Legal Disclaimer

CEDIMAKER is a technology company. We are not a law firm, we do not employ practising lawyers in their professional capacity when providing the platform, and we are not regulated by the General Legal Council of Ghana. Use of the Service does not create a lawyer–client relationship between you and CEDIMAKER.

Information presented in the platform — including help text, prompts, FAQs, articles, generated PDFs, and the structure of the will workflow — is general information only. It is not legal advice and must not be relied on as a substitute for advice from a qualified Ghanaian lawyer who has reviewed your full circumstances.

Estate planning is fact-specific. Marital regime, customary law considerations, succession of self-acquired versus family property, the Intestate Succession Act, 1985 (PNDCL 111), tax implications, and the wishes of dependants can all affect how a will is interpreted. Only a lawyer can advise you on the legal effect of your decisions.

A valid will under Ghanaian law generally must:

• Be in writing.
• Be signed by the testator (or by another person in the testator’s presence and at the testator’s direction).
• Be witnessed by at least two competent witnesses, both present at the same time when the testator signs or acknowledges the signature.
• Have each witness sign in the testator’s presence.
• Comply with any further requirements of Act 360 and applicable case law.

The Service captures the information needed to assemble a draft will and records witness names, identification, and signing timestamps. It does not verify that:

• Your witnesses are legally competent.
• Your witnesses are not beneficiaries (in many cases a witness who is also a beneficiary cannot inherit under the will).
• The physical execution ceremony was conducted correctly.
• The signed document you upload matches the draft we generated.

Ensuring the will is properly executed and that all statutory formalities are met is your responsibility, ideally with the help of a Ghanaian lawyer.

A digital draft generated on CEDIMAKER is not, by itself, a legally binding will. To take legal effect under Ghanaian law:

1. Print the draft.
2. Sign it physically before two competent witnesses present at the same time.
3. Have both witnesses sign in your presence.
4. Store the executed paper original safely. The signed copy you upload to CEDIMAKER is a backup — not a substitute for the physical original.

We do not guarantee that any document generated, stored, or assembled through the Service will be accepted by a probate registrar, court, bank, land registry, or any other body.

CEDIMAKER does not file your will with any court, does not obtain a grant of probate, and does not transfer assets to beneficiaries. Following your death, your executor will need to:

• Apply to the High Court (or the appropriate court) for a grant of probate.
• Comply with the Administration of Estates Act, 1961 (Act 63), and any other applicable law.
• Engage a Ghanaian lawyer where required.
• Effect transfers of bank accounts, land, vehicles, businesses, and other assets through the institutions and registries that govern them — each of which has its own requirements that the platform alone cannot satisfy.

The heartbeat protocol is a notification mechanism. A missed heartbeat does not legally declare you deceased, does not open probate, and does not authorise any transfer of property. Its sole purpose is to alert the people you nominated so they can investigate and, where appropriate, take legal steps. Anyone who receives a heartbeat escalation must independently verify the underlying circumstances before acting.

Listing an asset on CEDIMAKER does not by itself create or alter ownership, transfer title, or override registered ownership at the Lands Commission, the Driver and Vehicle Licensing Authority, a bank, a securities depository, the Registrar General, or any other authority. Many assets pass under separate instruments regardless of what your will says — for example, jointly-owned property may pass by survivorship, and certain insurance policies and pensions pass by their own beneficiary nominations.

Cataloguing assets on the platform helps your executor locate them. It does not replace legal transfer mechanisms.

The legal partners directory lists Ghanaian lawyers and law firms. CEDIMAKER does not endorse, supervise, or guarantee any listed partner’s work. Engaging a legal partner creates a direct lawyer–client relationship between you and that partner, not with CEDIMAKER. Fees, scope, retainer terms, and professional responsibility are matters between you and the partner.

CEDIMAKER does not provide tax, accounting, or financial planning advice. Estate-related tax obligations — including gift tax, capital-gains implications on transferred assets, and stamp duty — should be reviewed with a qualified professional.

Before you sign your will, before you rely on a beneficiary designation, and before you instruct an executor, please engage a Ghanaian lawyer. You can find independent legal partners in the directory inside the platform, or use any counsel of your choosing. The cost of legal review is small relative to the consequences of a will being held invalid or partially ineffective.

By using CEDIMAKER you acknowledge that you have read and understood this Legal Disclaimer, that CEDIMAKER is not your lawyer, and that the responsibility for the validity and effectiveness of your estate plan rests with you.