Terms of Service
Last updated: November 14, 2025
Welcome to ShelterCrest. By accessing or using our platform, you agree to be bound by these Terms of Service. Please read them carefully before proceeding.
1. Acceptance of Terms
By creating an account on ShelterCrest, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. If you do not agree to these terms, you may not use our services.
2. Eligibility Requirements
To use ShelterCrest, you must:
- Be at least 18 years old
- Be a resident of Ghana
- Have a valid Ghana Card
- Provide accurate and complete information during registration
- Maintain the security of your account credentials
3. Application Process
Document Submission: You must provide accurate documentation including Ghana Card, proof of employment, and payslips. Submitting false information may result in immediate account termination.
Application Review: All applications are subject to verification and approval by ShelterCrest administrators. Approval is not guaranteed and is at the sole discretion of ShelterCrest.
Payment Terms: Upon approval, you agree to pay the upfront service fee and monthly rental advancement payments as outlined in your approved application.
4. Payment Obligations
You agree to:
- Pay all fees associated with your approved application
- Make monthly payments on time as per your payment schedule
- Notify ShelterCrest immediately if you encounter payment difficulties
- Accept that late payments may incur additional fees as outlined below
Late Payment Penalty Schedule
| Payment Date | Penalty |
|---|---|
| 25th - 5th | PAYMENT WINDOW |
| 6th - 12th | 10% PENALTY |
| 13th - 18th | 15% PENALTY |
| 19th - 25th | 25% PENALTY |
| After 25th | REPOSSESSION |
Note: Payments made between the 25th and 5th have no penalties. Late payments incur progressive penalties. Failure to pay after the 25th may result in asset repossession.
6. Limitation of Liability
ShelterCrest provides a platform to facilitate rental advancement services. We are not responsible for disputes between users and landlords, property conditions, or any indirect damages arising from the use of our services. Our liability is limited to the amount of fees paid by you in the 12 months preceding any claim.
7. Modifications to Terms
We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting. Your continued use of ShelterCrest after changes are posted constitutes acceptance of the modified terms.
8. Termination
We reserve the right to suspend or terminate your account at any time for violations of these Terms, fraudulent activity, or any other reason at our sole discretion. Upon termination, you remain liable for all outstanding payments.
9. Contact Information
If you have questions about these Terms of Service, please contact us at info@sheltercrest.com
By creating an account, you acknowledge that you have read and agree to these Terms of Service.