Terms of Use

In accordance with Law 2017-20 of April 20, 2018, establishing the digital code in the Republic of Benin (Book 5 relating to the protection of personal data and privacy), as amended by Law No. 2020-35 of January 6, 2021, establishing the digital code in the Republic of Benin, SOAGA SA has made a declaration to the Personal Data Protection Authority (APDP) under number 2024-035/AT/APDP/DST/SC of May 29, 2024.

In any case, SOAGA SA only collects personal information relating to the user for the needs of the services offered by its services. The user provides their information with full knowledge of the facts, particularly when they proceed themselves or through a duly authorized third party to enter this information.

In accordance with the provisions of the aforementioned law, any user has a right of access, rectification, and opposition to the personal data concerning them, by making a written and signed request, accompanied by a copy of an identity document with the signature of the document holder, specifying the address to which the response should be sent. No personal information of users of services offered by SOAGA SA is published without the user's knowledge, exchanged, transferred, assigned, or sold on any medium to third parties.

SOAGA S.A. is a financial institution, if not the first, of sub-regional character specializing in asset management, with a capital of 500 million FCFA, whose head office is located in Cotonou - Republic of Benin, registered in the Commercial Register No. CREPMF SG/03-04 - RC No. 03/B/0841 - No. INSAE 2957412236139 at the following email address: infos@soaga.net, at the following numbers: Tel. +229 21308814 /15 - WhatsApp: +229 64035656 and accessible at the web address https://soaga.net/.

These general terms and conditions of use for SOAGA S.A.'s web and mobile services (hereinafter referred to as "Terms") aim to determine the rules for using the internet services provided and published by SOAGA SA (hereinafter referred to as "SOAGA ONE" Web and Mobile).

By using "SOAGA ONE" and/or accessing "SOAGA ONE", as a visitor and/or user, you unconditionally accept all the Terms defined below. If you do not wish to accept these Terms, we ask you not to access "SOAGA ONE". Any visit and/or use of the services must be done in compliance with these Terms.

SOAGA SA reserves the right to modify these Terms at any time, in whole or in part, to adapt them to the evolution of Services, technical, legal, or jurisprudential developments, or when implementing new services. The applicable Terms are those in force on the date of connection and use of "SOAGA ONE" by the User.

SOAGA SA therefore invites the User to refer regularly to the latest version of the Terms.

Terms beginning with a capital letter within these Terms, whether used interchangeably in singular or plural, shall have the meaning given to them below:

"SOAGA ONE" refers to the web and mobile services published and provided by SOAGA SA. "SOAGA ONE" mobile provides access to Services and is available free of charge in Apple's "App Store" and Google's "Google Play Store" to be downloaded by the User on their Apple iOS and Android terminal. "SOAGA ONE" web is accessible at the web address https://espaceclients.soaga.net:448/soagasaving/. The web and mobile services also include content, software, programs, tools (programming, navigation, ...), databases, operating systems, documentation, and all other elements and features that compose it, updates, and new versions that may be made to "SOAGA ONE" by SOAGA SA.

"Content" refers, without this list being exhaustive, to the structure of the Application, editorial content, drawings, illustrations, images, photographs, graphic charts, trademarks, logos, acronyms, company names, audiovisual works, multimedia works, visual content, audio and sound content, as well as any other content present within the Application and/or any other element composing the Application and/or the web service of SOAGA SA.

"Services" refers to the various features and services offered by the Application (mobile and web).

"Site" refers to the official website of SOAGA S.A. whose address is as follows: https://soaga.net/.

"User" or "You" refers to a natural person of legal age or a minor who has previously obtained authorization from their parents or the person invested with parental or moral authority, and who has downloaded the Application for their own needs, in the context of strictly personal and non-commercial use, without direct or indirect profit-making purpose.

"SOAGA ONE" aims to allow you to access the ecosystem of SOAGA S.A. either directly through the Application (mobile as well as web) or through a hyperlink redirecting you directly to the SOAGA SA website.

Several Services may be offered to the User, including:

Under this law, internet users have a right of access, rectification, modification, and deletion concerning data that concerns them personally. This right can be exercised by:

The personal information collected is in no case entrusted to third parties except to the natural or legal persons in charge of their processing.

The User's personal data is confidential and will under no circumstances be communicated to third parties. Only persons called upon to know this information for any processing related to a request are authorized to use it with a high level of protection.

The User is responsible for the risks associated with using their login identifier and password.

The User's password must remain confidential. In case of password disclosure, SOAGA S.A. declines any responsibility.

The User assumes full responsibility for the use they make of the information and content present on the site and/or the mobile application of SOAGA S.A.

Any use of the service by the User that directly or indirectly results in damage must be compensated in favor of the site/mobile application.

By publishing on the site and/or the mobile application, the User grants to SOAGA S.A. the non-exclusive and free right to represent, reproduce, adapt, modify, distribute, and disseminate their publication, directly or through an authorized third party.

Any malfunction of the server or network cannot engage the responsibility of SOAGA S.A.

Similarly, the responsibility of the site and/or the mobile application cannot be engaged in case of force majeure or the unforeseeable and overwhelming act of a third party.

SOAGA S.A. undertakes to implement all necessary means to guarantee the security and confidentiality of data.

The Application is accessible 24 hours a day, 7 days a week, except in cases of force majeure or the occurrence of an event beyond the control of SOAGA S.A. and subject to any breakdowns and maintenance interventions necessary for the proper functioning of the Application.

The software version of the mobile Application may be updated from time to time to add new functions and new services.

Maintenance interventions and/or updates of the mobile and web Application may be carried out without Users having been previously notified.

SOAGA S.A. cannot be held responsible for material damage related to the use of the site. Furthermore, the User of the site undertakes to access the site using recent equipment, not containing viruses and with an updated latest generation browser.

SOAGA S.A. declines any responsibility for any damage or loss related to the use or inability to use the site or its content.

SOAGA S.A. cannot be held responsible for direct and indirect damage caused to the User's equipment when accessing the site, resulting among other things from the appearance of a bug or incompatibility.

The BRVM also cannot be held responsible for indirect damages resulting from the use of the site https://soaga.net/.

Interactive spaces (for comments, contact) may be made available to users on the site. SOAGA S.A. reserves the right to remove, without prior formal notice, any content posted in an interactive space that would violate the applicable legislation in the UEMOA area or in one of the member countries, particularly provisions relating to data protection. If applicable, SOAGA S.A. also reserves the possibility of holding the User civilly and/or criminally liable, particularly in case of racist, insulting, defamatory, or pornographic messages, regardless of the medium used (text, photography...).

SOAGA S.A. cannot be held responsible for errors or delays in updating information (VL, etc.) available on the site.

SOAGA S.A. does not guarantee the security of the site and does not take responsibility for it. The User acknowledges knowing that any information transmitted via the Internet network can be intercepted.

SOAGA S.A. does not guarantee that the site, servers that allow access to it, or the electronic communications it sends are not infected by viruses or any other malicious program.

SOAGA SA grants the User a personal right to use the Application, Content, and Services, non-exclusive, revocable, non-assignable, non-transferable, worldwide and free only for their own needs and in the context of using the Application and Services, to the exclusion of any other purpose.

This license grants no right of use to the User on the Content. It is strictly forbidden for the User:

By using our services, you agree that we may use the information you provide, such as your email address and phone number, to send you communications including, but not limited to, promotional campaigns, special offers, reminders, or important notifications. You have the ability to unsubscribe from these communications at any time or by contacting us via the contact information provided in this document.

The information you communicate to us via this site or the mobile application is recorded and necessary to use the services of https://soaga.net/. They will only be used and communicated externally to satisfy legal and regulatory obligations. Electronic messages and email addresses will be kept only for the duration necessary for their processing. When you leave a comment on our website, the data entered in the comment form, as well as your IP address and your browser's user agent are collected to help us detect unwanted comments.

SOAGA SA is the exclusive owner of all intellectual property rights relating to the mobile and web Application and its Content. Downloading the Application confers no right to the User on the intellectual property rights of SOAGA SA.

All rights of reproduction and representation are reserved, including for downloadable documents. All texts, graphics, icons, photographs, plans, logos, videos, sounds, trademarks, and more generally all elements composing the Application cannot be subject to any representation, reproduction, exploitation, or extraction, in whole or in part, on any medium whatsoever, without the express and prior authorization of SOAGA SA.

The User expressly undertakes that the use of the Application does not in any case infringe the rights of SOAGA SA, and in particular that this use does not constitute an act of infringement, unfair competition, or parasitism of the Content.

Data Transfer and Storage

1. Data Transfer

2. Data Storage

3. User Consent and Rights

Security Measures

We take the security of your data very seriously. We have implemented technical and organizational measures to protect your personal data against any unauthorized access, loss, alteration, or disclosure.

For any questions regarding our data transfer and storage policy, please contact us at the following address: infos@soaga.net.

This Contract is subject to Beninese law.

Any dispute that may arise regarding the validity of these Terms of Use, their interpretation or their execution will be submitted only to the Court of First Instance of Cotonou (BENIN).