Terms Of Use



Be aware that by visiting and/or using this website, you agree to accept and comply with the terms and conditions of use as provided herein. If you do not agree with these terms and conditions, please do not access this site or any pages, thereof. While OSI does not have a duty to update or change any information on this website, these terms and conditions may be updated or changed by OSI from time to time without notice to you. Should you visit this website on a separate occasion when these Terms of Use has been updated or changed, you agree that you are bound by the new or updated terms and conditions. Consequently, you agree to always read these Terms of Use each time you visit this website. You understand and agree that OSI further retains the right, in its absolute discretion, to restrict, suspend or terminate your access to/use of this website at any time and without notice, including without limitation. Access to this website may be interrupted or restricted for any reason (including, but not limited to maintenance or repairs).

You understand and agree that no contents published on this website constitute advice of any kind. No information on this website constitutes an offer, or a solicitation to buy or sell anything of any kind or to engage in any other transaction. Nothing will be sold or offered to be sold in any jurisdiction on this website. All content on this website is solely for informational purposes, simply designed to tell you about OSI and the services OSI offers. Furthermore, the information provided on this website is provided "as is", without warranties of any kind either express or implied, and solely reflects the thoughts and opinions of OSI.

You understand and agree that past performance by OSI is not necessarily a guide to the future. The value of investments and income received from investments may decrease or increase, depending on other circumstances. An investor seeking to invest due to any information viewed on this website should only do so after speaking with a financial adviser.

Privacy Issues

You understand and agree that by accepting these Terms of Use enumerated herein, you are stating that you have read OSI's privacy policy and you agree to be bound by OSI's privacy policy.

Cookies are text files containing small amounts of information, which a computer or mobile device downloads when a user visits a website. You understand and agree that OSI is permitted to use cookies on its website.

For your convenience, OSI may include external links or external information on this website. If external articles, links and information are provided on this website, while OSI believes that said content is reliable, OSI does not guarantee the timeliness or accuracy of said content. Furthermore, OSI does not endorse, guarantee, approve, certify, control and cannot be held responsible for any third-party content that may be accessed through this website, since said content may contain information created, published, maintained, or otherwise posted by other persons, institutions or organizations that are independent of OSI. Your decision to access that external content is voluntary, and reliance upon said content, is at your own risk.

Intellectual Property Rights

This website may contain copyrighted works, trademarks and other proprietary materials that are owned by OSI or the company's content providers. You agree that you may use the information provided in this website solely for informational proposes. You understand and agree that you are permitted to print copies of pages from this website for your personal use, provided that each copy includes any copyright, trademark or service mark notice or attribution as they appear on the pages you have printed. As provided above, OSI may provide third party date on this website. The availability of such third party data shall not be used as a substitute for a license or services agreement directly with the relevant content provider.

Except as previously mentioned, you understand and agree that you will not copy, reproduce, publish, post, transmit, display, store, sublicense, transfer or distribute material or images from this website without OSI express written permission. Furthermore, you are prohibited from modifying, altering, revising, paraphrasing, omitting, or changing in any other manner not earlier mentioned, any material or images on or from this website without OSI's express written permission.

You are prohibited from creating derivative works, whether based in whole or in part upon the information on this website or any portion thereof without OSI's express written permission. You shall not modify, amend, reduce the size of or in any way obscure any warning, notice, liability limitation or other license provision in material or images on or from this website. Nothing contained on this website and/or the services offered by OSI should be construed as granting, by implication, estoppels or otherwise any license or right in and to OSI's trademarks or copyrighted materials.


By accessing and/or using this website, you agree to indemnify, defend and hold harmless OSI and its respective officers, directors, employees, members, agents, information providers, affiliates, licensors and licensees (collectively, the "indemnified parties") from and against any and all liability and costs, including without limitation reasonable attorneys fees and expenses, incurred by the Indemnified Parties in connection with any claim arising out of, or breach by you of, these Terms of Use or the representations, warranties and covenants deemed made by you hereunder. You agree to cooperate as fully as required in the defense of any claim. OSI reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you. You shall not enter into any form of settlement agreement which affects the rights of any of the Indemnified Parties or requires the taking of any action by any of the Indemnified Parties, without OSI's prior written consent. In addition, OSI expressly disclaim any liability, whether in contract, tort, strict liability or otherwise, for any direct, indirect, incidental, consequential, punitive or special damages arising out of or in any way connected with your accessing or using or inability to access or use this website or your reliance on any content published on this website, or any failure of performance, interruption, defect, delay in transmission, computer viruses or other harmful components, or line or system failure associated with this website, the internet or the world wide web, regardless of OSI's knowledge, thereof. Consequently, OSI excludes all liability for direct and indirect losses thereby caused or contributed to.

You understand and agree that these Terms of Use constitutes the entire agreement between you and OSI. The Agreement governs your use of this website and any services offered through this website. This Agreement supersedes any prior terms and conditions or other agreements concerning the subject matter hereof between you and OSI.

You understand and agree that these Terms of Use and the relationship between you and OSI shall be governed by, and construed and enforced in accordance with, the laws of the country of Ghana without regard to its conflict of law provisions. You understand and agree to submit to the personal and exclusive jurisdiction of all courts located within the country of Ghana for the resolution of any disputes arising out of or relating to these Terms of Use or this website. Furthermore, you agree to compulsory mediation for any dispute you may have against OSI that arises out of, or is related to these Terms of Use. The compulsory mediation shall be conducted in Accra, Ghana; shall be led by 3 mediators (1 selected by you, 1 selected by OSI and the third selected by the first two mediators) located in Accra, Ghana; and the mediation session(s) shall be held in Accra, Ghana.

You understand and agree that, except as expressly provided herein, there shall be no third party beneficiary to these Terms of Use and the agreements contained herein.

You understand and agree that if a court of competent jurisdiction determines that any provision of these Terms of Use is unenforceable, then such term will be eliminated and the remaining terms and conditions shall remain in full force and effect.

You understand and agree that failure by OSI to exercise or enforce any specific right or provision of these Terms of use shall not constitute a waiver of said right or provision, and no waiver shall be enforceable unless in writing and signed by the party against whom enforcement is sought.

You understand and agree that the headings in these Terms of Use are inserted herein for convenience only, and have no legal or contractual effect.

You understand and agree that it is your responsibility to comply with all applicable local laws, including ensuring that your access and use of this website compiles with these Terms of Use, but also with the laws of the jurisdiction from which your access or use is made.