Terms of Service

By sending a message to Yelle on WhatsApp or using any Yelle service, you agree to these Terms of Service and our Privacy Policy. If you do not agree, please do not use the service.

Yelle is an AI-powered financial record-keeping assistant that operates via WhatsApp. It helps you track sales, expenses, stock, debts, and other business activities.

• You must be at least 18 years old to use Yelle
• You must have a valid WhatsApp account
• You must be using Yelle for lawful business or personal finance purposes

• Your Yelle account is linked to your WhatsApp phone number
• You are responsible for all activity on your account
• We strongly recommend setting a security PIN (type "set pin") to protect your financial data
• If you suspect unauthorised access, type "change pin" immediately and contact us

• Free trial: 30 days with full access to all features
• Pro plan: GHS 10/month or GHS 100/year
• Business plan: GHS 25/month or GHS 250/year
• Payments are processed securely via Paystack (MTN MoMo, Vodafone Cash, AirtelTigo, card)
• Subscriptions renew automatically unless cancelled
• No refunds for partial months. You can cancel at any time and retain access until the end of your billing period
• We may change pricing with 30 days notice via WhatsApp

You agree NOT to use Yelle for:

• Any illegal activity, including but not limited to drug trafficking, fraud, money laundering, or sale of prohibited goods
• Storing or transmitting harmful, threatening, or abusive content
• Attempting to access other users' data or accounts
• Automated messaging, spamming, or abuse of the WhatsApp API
• Misrepresenting your identity or business for fraudulent purposes

We reserve the right to suspend or terminate accounts that violate these terms without notice.

• Yelle uses artificial intelligence to interpret your messages, transcribe voice notes, read receipts, and generate insights
• AI is not perfect. Voice transcription, receipt reading, and intent parsing may contain errors
• You are responsible for reviewing and confirming the accuracy of entries
• Yelle provides a confirmation step for transactions — always verify before confirming
• Business intelligence, news, and market insights are AI-generated summaries, not professional advice

• The Yelle Marketplace connects buyers and sellers. Yelle is not a party to any transaction between users
• We do not guarantee the quality, safety, or legality of items listed
• Buyers and sellers transact directly — Yelle does not process payments between marketplace participants
• We reserve the right to remove any listing that violates these terms

• Yelle provides a digital tracking tool for savings groups. We do not hold or manage funds
• All contributions, rotations, and payouts are managed by the group members themselves
• Yelle tracks contributions for transparency — we are not liable for disputes between group members

• Yelle facilitates connections between users and loan partners. We do not provide loans or guarantee loan approval
• Financial data is shared with loan partners only with your explicit consent
• Loan terms, interest rates, and repayment schedules are set by the lending institution, not Yelle
• The loan readiness score is an internal metric based on your Yelle records — it is not a credit score and may not reflect assessments by external lenders
• You can revoke partner data access at any time by typing "revoke access"

• Yelle, the Yelle logo, and all related branding are the property of Yelle Technologies
• Your business data belongs to you. We do not claim ownership of your records, transactions, or documents
• Tutorial materials, illustrations, and generated reports are licensed for your personal/business use only

• You may stop using Yelle at any time
• You may request complete data deletion by typing "delete my data"
• We may suspend or terminate your account for violation of these terms
• Upon termination, your data is retained per our Privacy Policy (Section 5) unless you request deletion

We may update these terms from time to time. Material changes will be communicated via WhatsApp at least 14 days before taking effect. Continued use after changes constitutes acceptance.

• Any dispute arising from these terms shall first be resolved through good-faith negotiation
• If negotiation fails, disputes shall be resolved through arbitration under the Alternative Dispute Resolution Act, 2010 (Act 798) of Ghana
• The arbitration shall take place in Accra, Ghana

These terms are governed by the laws of the Republic of Ghana, including:

• Electronic Transactions Act, 2008 (Act 772)
• Data Protection Act, 2012 (Act 843)
• National Communications Authority Act, 2008 (Act 769)
• Payment Systems and Services Act, 2019 (Act 987)

For questions about these terms:

• Email: legal@yelle.live
• WhatsApp: Send any message to your Yelle chat
• Yelle Technologies, Accra, Ghana