{"success":true,"code":0,"message":"Data Fetched","data":{"id":35,"title":"Telecel Cash Services T's & C's","slug":"telecel-cash-services-ts-cs","content":"<p><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">These&nbsp;are&nbsp;the&nbsp;terms&nbsp;and&nbsp;conditions&nbsp;upon&nbsp;which&nbsp;you&nbsp;may&nbsp;use&nbsp;the&nbsp;Telecel&nbsp;Cash&nbsp;Services&nbsp;(as&nbsp;defined&nbsp;herein)&nbsp;provided&nbsp;by&nbsp;Telecel&nbsp;Cash,&nbsp;the&nbsp;acceptance&nbsp;of&nbsp;which&nbsp;constitutes&nbsp;a&nbsp;binding&nbsp;contract&nbsp;between&nbsp;yourself&nbsp;and&nbsp;Telecel&nbsp;Cash,&nbsp;an&nbsp;independent&nbsp;financial&nbsp;services&nbsp;company&nbsp;incorporated&nbsp;to&nbsp;provide&nbsp;electronic&nbsp;money&nbsp;financial&nbsp;services.&nbsp;When&nbsp;you&nbsp;activate&nbsp;the&nbsp;service&nbsp;you&nbsp;agree&nbsp;to&nbsp;abide&nbsp;by&nbsp;these&nbsp;Conditions&nbsp;of&nbsp;Use.&nbsp;You&nbsp;therefore&nbsp;need&nbsp;to&nbsp;read&nbsp;and&nbsp;fully&nbsp;understand&nbsp;these&nbsp;Conditions&nbsp;of&nbsp;Use&nbsp;and&nbsp;where&nbsp;necessary&nbsp;seek&nbsp;an&nbsp;independent&nbsp;opinion,&nbsp;if&nbsp;you&nbsp;do&nbsp;not&nbsp;agree&nbsp;with&nbsp;them&nbsp;you&nbsp;must&nbsp;not&nbsp;proceed&nbsp;to&nbsp;use&nbsp;the&nbsp;Telecel&nbsp;Cash&nbsp;Services.<\/span><\/p><p><\/p><p><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">DEFINITIONS<\/strong><\/p><p><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">The&nbsp;following&nbsp;definitions&nbsp;relate&nbsp;to&nbsp;these&nbsp;Conditions&nbsp;of&nbsp;Use:<\/span><\/p><ul><li><ul><li><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">\u201cAccount\u201d<\/strong><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">&nbsp;means&nbsp;your&nbsp;Telecel&nbsp;Cash&nbsp;Account,&nbsp;being&nbsp;the&nbsp;record&nbsp;maintained&nbsp;by&nbsp;us&nbsp;of&nbsp;the&nbsp;amount&nbsp;of&nbsp;E-Money&nbsp;from&nbsp;time&nbsp;to&nbsp;time&nbsp;held&nbsp;by&nbsp;you&nbsp;and&nbsp;represented&nbsp;by&nbsp;an&nbsp;equivalent&nbsp;amount&nbsp;of&nbsp;Cash&nbsp;held&nbsp;by&nbsp;Telecel&nbsp;Cash&nbsp;on&nbsp;your&nbsp;behalf.<\/span><\/li><li><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">\u201cAgent(s)\u201d<\/strong><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">&nbsp;means&nbsp;person(s)&nbsp;registered&nbsp;by&nbsp;Telecel&nbsp;Cash&nbsp;to&nbsp;provide&nbsp;Telecel&nbsp;Cash&nbsp;Services,&nbsp;details&nbsp;of&nbsp;which&nbsp;may&nbsp;be&nbsp;obtained&nbsp;from&nbsp;Telecel&nbsp;Cash\u2018s&nbsp;Head&nbsp;Office.<\/span><\/li><li><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">\u201cCharges\u201d<\/strong><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">&nbsp;means&nbsp;the&nbsp;fees&nbsp;and&nbsp;other&nbsp;charges&nbsp;payable&nbsp;under&nbsp;the&nbsp;Conditions&nbsp;of&nbsp;Use&nbsp;for&nbsp;the&nbsp;Telecel&nbsp;Cash&nbsp;Services.<\/span><\/li><li><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">\u201cConditions&nbsp;of&nbsp;Use\u201d<\/strong><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">&nbsp;means&nbsp;these&nbsp;terms&nbsp;and&nbsp;conditions&nbsp;as&nbsp;may&nbsp;be&nbsp;varied&nbsp;by&nbsp;us&nbsp;from&nbsp;time&nbsp;to&nbsp;time.<\/span><\/li><li><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">\u201cCredit&nbsp;Balance\u201d<\/strong><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">&nbsp;means&nbsp;the&nbsp;amount&nbsp;of&nbsp;E-Money&nbsp;held&nbsp;on&nbsp;your&nbsp;account&nbsp;from&nbsp;time&nbsp;to&nbsp;time.<\/span><\/li><li><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">\u201cCredit&nbsp;Transaction\u201d&nbsp;<\/strong><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">means&nbsp;any&nbsp;transaction&nbsp;which&nbsp;results&nbsp;in&nbsp;your&nbsp;Account&nbsp;being&nbsp;credited&nbsp;with&nbsp;E-Money&nbsp;as&nbsp;verified&nbsp;by&nbsp;Telecel&nbsp;Cash.<\/span><\/li><li><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">\u201cCustomer\u201d<\/strong><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">&nbsp;means&nbsp;you&nbsp;or&nbsp;any&nbsp;other&nbsp;person&nbsp;in&nbsp;whose&nbsp;name&nbsp;an&nbsp;Account&nbsp;for&nbsp;Telecel&nbsp;Cash&nbsp;Services&nbsp;is&nbsp;registered.<\/span><\/li><li><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">\u201cCustomer&nbsp;Call&nbsp;Centre\u201d<\/strong><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">&nbsp;Telecel&nbsp;Ghana&nbsp;Centre&nbsp;which&nbsp;Customers&nbsp;can&nbsp;call&nbsp;to&nbsp;raise&nbsp;issues&nbsp;with&nbsp;Telecel&nbsp;Cash&nbsp;Services.<\/span><\/li><li><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">\u201cDebit\u201d<\/strong><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">&nbsp;means&nbsp;the&nbsp;movement&nbsp;of&nbsp;funds&nbsp;out&nbsp;of&nbsp;your&nbsp;Account.<\/span><\/li><li><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">\u201cDebit&nbsp;Transaction\u201d<\/strong><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">&nbsp;means&nbsp;any&nbsp;transaction&nbsp;which&nbsp;results&nbsp;in&nbsp;a&nbsp;Debit&nbsp;of&nbsp;E-Money&nbsp;from&nbsp;your&nbsp;Account&nbsp;as&nbsp;verified&nbsp;by&nbsp;Telecel&nbsp;Cash.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">\u201c<\/span><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">Designated&nbsp;Payee<\/strong><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">\u201d&nbsp;means&nbsp;any&nbsp;person&nbsp;(including&nbsp;yourself,&nbsp;another&nbsp;Customer&nbsp;or&nbsp;a&nbsp;Merchant)&nbsp;who&nbsp;is&nbsp;designated&nbsp;by&nbsp;you&nbsp;by&nbsp;SMS,&nbsp;to&nbsp;be&nbsp;the&nbsp;recipient&nbsp;of&nbsp;E-Money&nbsp;from&nbsp;your&nbsp;Account.<\/span><\/li><li><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">\u201cE-Money\u201d<\/strong><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">&nbsp;means&nbsp;the&nbsp;electronic&nbsp;money&nbsp;issued&nbsp;by&nbsp;Telecel&nbsp;Cash&nbsp;and&nbsp;representing&nbsp;an&nbsp;entitlement&nbsp;to&nbsp;an&nbsp;equivalent&nbsp;amount&nbsp;of&nbsp;Cash&nbsp;monies&nbsp;held&nbsp;by&nbsp;Telecel&nbsp;Cash&nbsp;in&nbsp;respect&nbsp;of&nbsp;the&nbsp;purchase&nbsp;of&nbsp;such&nbsp;electronic&nbsp;value.<\/span><\/li><li><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">\u201cEnhanced&nbsp;Customer\u201d&nbsp;<\/strong><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">a&nbsp;customer&nbsp;who&nbsp;provides&nbsp;the&nbsp;additional&nbsp;registration&nbsp;information&nbsp;required,&nbsp;who&nbsp;then&nbsp;has&nbsp;access&nbsp;to&nbsp;higher&nbsp;transaction&nbsp;value&nbsp;limits.<\/span><\/li><li><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">\u201cFees\u201d<\/strong><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">&nbsp;means&nbsp;actual&nbsp;charges&nbsp;for&nbsp;use&nbsp;of&nbsp;the&nbsp;Telecel&nbsp;Cash&nbsp;Services&nbsp;as&nbsp;published&nbsp;on&nbsp;the&nbsp;Telecel&nbsp;Cash&nbsp;Website&nbsp;and&nbsp;in&nbsp;Telecel&nbsp;Cash&nbsp;Outlets&nbsp;which&nbsp;may&nbsp;be&nbsp;varied&nbsp;by&nbsp;us&nbsp;from&nbsp;time&nbsp;to&nbsp;time.<\/span><\/li><li><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">\u201cForce&nbsp;Majeure\u201d&nbsp;<\/strong><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">any&nbsp;event&nbsp;including&nbsp;acts&nbsp;of&nbsp;God,&nbsp;Governmental&nbsp;decisions&nbsp;or&nbsp;any&nbsp;causes&nbsp;beyond&nbsp;reasonable&nbsp;control&nbsp;of&nbsp;Telecel&nbsp;Cash.<\/span><\/li><li><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">\u201cGoods&nbsp;and&nbsp;Services\u201d<\/strong><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">&nbsp;means&nbsp;such&nbsp;goods&nbsp;and&nbsp;services&nbsp;as&nbsp;may&nbsp;be&nbsp;purchased&nbsp;from&nbsp;Merchants&nbsp;using&nbsp;Telecel&nbsp;Cash.<\/span><\/li><li><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">\u201cIVR\u201d&nbsp;<\/strong><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">Interactive&nbsp;Voice&nbsp;Response&nbsp;system&nbsp;which&nbsp;customers&nbsp;may&nbsp;use&nbsp;to&nbsp;perform&nbsp;Telecel&nbsp;Cash&nbsp;Transactions.<\/span><\/li><li><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">\u201cMedium&nbsp;Customer\u201d&nbsp;<\/strong><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">a&nbsp;customer&nbsp;who&nbsp;provides&nbsp;the&nbsp;additional&nbsp;registration&nbsp;information&nbsp;required,&nbsp;who&nbsp;then&nbsp;has&nbsp;access&nbsp;to&nbsp;medium&nbsp;transaction&nbsp;value&nbsp;limits.<\/span><\/li><li><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">\u201cMerchant\u201d&nbsp;<\/strong><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">means&nbsp;a&nbsp;seller&nbsp;of&nbsp;Goods&nbsp;and&nbsp;Services&nbsp;who&nbsp;accepts&nbsp;E-Money&nbsp;in&nbsp;payment&nbsp;for&nbsp;Goods&nbsp;and&nbsp;Services.<\/span><\/li><li><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">\u201cMinimum&nbsp;Customer\u201d&nbsp;<\/strong><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">a&nbsp;customer&nbsp;who&nbsp;provides&nbsp;the&nbsp;registration&nbsp;information&nbsp;required,&nbsp;who&nbsp;then&nbsp;has&nbsp;access&nbsp;to&nbsp;minimum&nbsp;transaction&nbsp;value&nbsp;limits.<\/span><\/li><li><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">\u201cMobile&nbsp;Equipment\u201d&nbsp;<\/strong><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">means&nbsp;your&nbsp;Mobile&nbsp;Phone&nbsp;and&nbsp;SIM&nbsp;Card&nbsp;or&nbsp;other&nbsp;equipment&nbsp;which&nbsp;when&nbsp;used&nbsp;together&nbsp;allows&nbsp;access&nbsp;to&nbsp;Telecel&nbsp;Cash&nbsp;Services&nbsp;and,&nbsp;in&nbsp;each&nbsp;case,&nbsp;is&nbsp;approved&nbsp;for&nbsp;use&nbsp;in&nbsp;Ghana.<\/span><\/li><li><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">\u201cMobile&nbsp;Phone\u201d&nbsp;<\/strong><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">means&nbsp;your&nbsp;mobile&nbsp;phone&nbsp;handset.<\/span><\/li><li><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">\u201cMSISDN\u201d<\/strong><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">&nbsp;means&nbsp;the&nbsp;Mobile&nbsp;Station&nbsp;International&nbsp;Subscriber&nbsp;Directory&nbsp;Number&nbsp;issued&nbsp;to&nbsp;you&nbsp;with&nbsp;the&nbsp;SIM&nbsp;Card&nbsp;for&nbsp;accessing&nbsp;the&nbsp;Telecel&nbsp;Network.<\/span><\/li><li><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">\u201cNetwork\u201d<\/strong><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">&nbsp;means&nbsp;the&nbsp;Global&nbsp;System&nbsp;for&nbsp;Mobile&nbsp;telecommunication&nbsp;(\u201cGSM\u201d)&nbsp;system&nbsp;operated&nbsp;by&nbsp;Telecel&nbsp;Ghana&nbsp;and&nbsp;covering&nbsp;those&nbsp;areas&nbsp;within&nbsp;Ghana&nbsp;as&nbsp;stipulated&nbsp;from&nbsp;time&nbsp;to&nbsp;time&nbsp;by&nbsp;Telecel&nbsp;Ghana.<\/span><\/li><li><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">\u201cOutlet\u201d<\/strong><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">&nbsp;means&nbsp;any&nbsp;shop,&nbsp;unit&nbsp;or&nbsp;other&nbsp;retail&nbsp;premises&nbsp;operated&nbsp;by&nbsp;an&nbsp;Agent.<\/span><\/li><li><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">\u201cPayments\u201d<\/strong><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">&nbsp;means&nbsp;money&nbsp;paid&nbsp;to&nbsp;an&nbsp;Agent,&nbsp;for&nbsp;the&nbsp;purchase&nbsp;of&nbsp;an&nbsp;equivalent&nbsp;amount&nbsp;of&nbsp;E-Money&nbsp;sums&nbsp;credited&nbsp;to&nbsp;your&nbsp;Account.<\/span><\/li><li><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">\u201cPIN\u201d<\/strong><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">&nbsp;means&nbsp;your&nbsp;Personal&nbsp;Identification&nbsp;Number&nbsp;being&nbsp;the&nbsp;secret&nbsp;code&nbsp;you&nbsp;choose&nbsp;to&nbsp;access&nbsp;and&nbsp;operate&nbsp;your&nbsp;Account.<\/span><\/li><li><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">\u201cPre-paid&nbsp;Airtime\u201d<\/strong><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">&nbsp;means&nbsp;mobile&nbsp;phone&nbsp;calling&nbsp;credit&nbsp;on&nbsp;Telecel&nbsp;Ghana\u2019s&nbsp;Network.<\/span><\/li><li><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">\u201cPrice&nbsp;Guide\u201d<\/strong><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">&nbsp;means&nbsp;a&nbsp;catalogue&nbsp;published&nbsp;for&nbsp;the&nbsp;Fees&nbsp;payable&nbsp;for&nbsp;the&nbsp;Telecel&nbsp;Cash&nbsp;Services,&nbsp;as&nbsp;updated&nbsp;from&nbsp;time&nbsp;to&nbsp;time.<\/span><\/li><li><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">\u201cRegistration&nbsp;Form\u201d<\/strong><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">&nbsp;means&nbsp;the&nbsp;registration&nbsp;form&nbsp;containing&nbsp;personal&nbsp;registration&nbsp;details&nbsp;for&nbsp;Enhanced&nbsp;customers&nbsp;only.<\/span><\/li><li><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">\u201cSIM&nbsp;Card\u201d<\/strong><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">&nbsp;means&nbsp;the&nbsp;Subscriber&nbsp;Identity&nbsp;Module&nbsp;which&nbsp;when&nbsp;used&nbsp;with&nbsp;the&nbsp;appropriate&nbsp;Mobile&nbsp;Equipment&nbsp;enables&nbsp;you&nbsp;to&nbsp;use&nbsp;the&nbsp;Telecel&nbsp;Cash&nbsp;Services.<\/span><\/li><li><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">\u201cSMS\u201d<\/strong><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">&nbsp;means&nbsp;a&nbsp;Short&nbsp;Message&nbsp;Service&nbsp;consisting&nbsp;of&nbsp;a&nbsp;text&nbsp;message&nbsp;transmitted&nbsp;from&nbsp;one&nbsp;Mobile&nbsp;Phone&nbsp;to&nbsp;another.<\/span><\/li><li><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">\u201cStart&nbsp;Key\u201d&nbsp;<\/strong><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">means&nbsp;the&nbsp;one-time&nbsp;4-digit&nbsp;PIN&nbsp;sent&nbsp;to&nbsp;you&nbsp;on&nbsp;registration&nbsp;for&nbsp;the&nbsp;purpose&nbsp;of&nbsp;activating&nbsp;your&nbsp;Account.<\/span><\/li><li><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">\u201cTransactions\u201d<\/strong><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">&nbsp;means&nbsp;any&nbsp;of&nbsp;the&nbsp;transactions&nbsp;specified&nbsp;in&nbsp;Clause&nbsp;7.5.<\/span><\/li><li><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">\u201cTransfer&nbsp;Instructions\u201d<\/strong><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">&nbsp;means&nbsp;instructions&nbsp;given&nbsp;via&nbsp;SMS&nbsp;for&nbsp;the&nbsp;transfer&nbsp;of&nbsp;E-Money&nbsp;from&nbsp;one&nbsp;Customer&nbsp;to&nbsp;another.<\/span><\/li><li><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">\u201cUser&nbsp;Manual\u201d<\/strong><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">&nbsp;means&nbsp;a&nbsp;document&nbsp;describing&nbsp;the&nbsp;Telecel&nbsp;Cash&nbsp;System&nbsp;and&nbsp;its&nbsp;use.<\/span><\/li><li><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">\u201cTelecel&nbsp;Cash\u2019s&nbsp;Head&nbsp;Office\u201d<\/strong><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">&nbsp;means&nbsp;Telecel&nbsp;Cash,&nbsp;Manet&nbsp;Towers,&nbsp;Tower&nbsp;A&nbsp;South&nbsp;Liberation&nbsp;Link,&nbsp;Airport&nbsp;City,&nbsp;Accra,&nbsp;Ghana.<\/span><\/li><li><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">\u201cTelecel&nbsp;Cash&nbsp;Services\u201d<\/strong><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">&nbsp;means&nbsp;the&nbsp;services&nbsp;provided&nbsp;by&nbsp;Telecel&nbsp;Cash&nbsp;for&nbsp;the&nbsp;issue&nbsp;and&nbsp;redemption&nbsp;of&nbsp;E-Money&nbsp;and&nbsp;the&nbsp;transfer&nbsp;of&nbsp;E-Money&nbsp;between&nbsp;Customers&nbsp;on&nbsp;the&nbsp;basis&nbsp;of&nbsp;Transfer&nbsp;Instructions.&nbsp;Services&nbsp;include&nbsp;the&nbsp;recording&nbsp;of&nbsp;all&nbsp;Transactions,&nbsp;verifying&nbsp;and&nbsp;confirming&nbsp;of&nbsp;all&nbsp;Transactions&nbsp;concluded&nbsp;and&nbsp;updating&nbsp;of&nbsp;Customer&nbsp;Account&nbsp;records.<\/span><\/li><li><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">\u201cTelecel&nbsp;Cash&nbsp;System\u201d&nbsp;or&nbsp;\u201cTelecel&nbsp;Cash\u201d<\/strong><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">&nbsp;means&nbsp;the&nbsp;proprietary&nbsp;cellular&nbsp;phone&nbsp;money&nbsp;transfer&nbsp;service&nbsp;which&nbsp;is&nbsp;marketed,&nbsp;managed,&nbsp;and&nbsp;operated&nbsp;exclusively&nbsp;by&nbsp;Telecel&nbsp;Cash&nbsp;in&nbsp;Ghana.<\/span><\/li><li><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">\u201cTelecel&nbsp;Cash&nbsp;Website\u201d<\/strong><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">&nbsp;refers&nbsp;to&nbsp;the&nbsp;Telecel&nbsp;Cash&nbsp;section&nbsp;of&nbsp;the&nbsp;Telecel&nbsp;Ghana&nbsp;website&nbsp;<\/span><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">http:\/\/www.Telecel.com.gh.<\/strong><\/li><li><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">\u201cTelecel&nbsp;Ghana\u201d&nbsp;<\/strong><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">means&nbsp;Ghana&nbsp;Telecommunications&nbsp;Company&nbsp;Limited&nbsp;that&nbsp;provides&nbsp;mobile&nbsp;network&nbsp;services.<\/span><\/li><li><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">\u201cTelecel&nbsp;Retail&nbsp;Shops\u201d<\/strong><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">&nbsp;means&nbsp;Telecel&nbsp;branded&nbsp;outlets.<\/span><\/li><li><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">\u201cwe\u201d<\/strong><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">&nbsp;or&nbsp;<\/span><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">\u201cus\u201d<\/strong><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">&nbsp;or&nbsp;<\/span><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">\u201cour\u201d<\/strong><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">&nbsp;means&nbsp;Telecel&nbsp;Cash.<\/span><\/li><li><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">\u201cyou\u201d<\/strong><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">&nbsp;or&nbsp;<\/span><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">\u201cyour\u201d<\/strong><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">&nbsp;means&nbsp;the&nbsp;Customer.<\/span><\/li><\/ul><\/li><\/ul><p><\/p><p><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">APPLICATION&nbsp;FOR&nbsp;ACCOUNT<\/strong><\/p><ul><li><ul><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">Any&nbsp;Telecel&nbsp;Ghana&nbsp;Customer&nbsp;may&nbsp;register&nbsp;for&nbsp;the&nbsp;Telecel&nbsp;Cash&nbsp;Service&nbsp;provided&nbsp;they&nbsp;have&nbsp;an&nbsp;active&nbsp;Telecel&nbsp;Ghana&nbsp;SIM&nbsp;card.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">The&nbsp;Telecel&nbsp;Cash&nbsp;Service&nbsp;is&nbsp;limited&nbsp;to&nbsp;three&nbsp;accounts&nbsp;per&nbsp;Customer.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">You&nbsp;will&nbsp;be&nbsp;liable&nbsp;to&nbsp;pay&nbsp;Telecel&nbsp;Ghana&nbsp;for&nbsp;all&nbsp;network&nbsp;costs&nbsp;incurred&nbsp;while&nbsp;using&nbsp;the&nbsp;Telecel&nbsp;Cash&nbsp;Service.&nbsp;You&nbsp;will&nbsp;also&nbsp;be&nbsp;liable&nbsp;to&nbsp;pay&nbsp;applicable&nbsp;Fees&nbsp;for&nbsp;your&nbsp;use&nbsp;of&nbsp;the&nbsp;Telecel&nbsp;Cash&nbsp;Services&nbsp;and&nbsp;such&nbsp;Fees&nbsp;may&nbsp;be&nbsp;deducted&nbsp;directly&nbsp;from&nbsp;your&nbsp;Telecel&nbsp;Cash&nbsp;Account.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">You&nbsp;may&nbsp;register&nbsp;for&nbsp;Telecel&nbsp;Cash&nbsp;Services&nbsp;with&nbsp;any&nbsp;Telecel&nbsp;Cash&nbsp;Agent&nbsp;in&nbsp;Ghana.&nbsp;To&nbsp;become&nbsp;an&nbsp;Enhanced&nbsp;Customer,&nbsp;you&nbsp;must&nbsp;register&nbsp;at&nbsp;a&nbsp;Telecel&nbsp;Retail&nbsp;Shop.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">To&nbsp;become&nbsp;a&nbsp;Telecel&nbsp;Cash&nbsp;Minimum&nbsp;Customer,&nbsp;you&nbsp;will&nbsp;be&nbsp;required&nbsp;to&nbsp;provide&nbsp;the&nbsp;following&nbsp;information:-<\/span><ul><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">Your&nbsp;full&nbsp;name<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">Your&nbsp;physical&nbsp;address<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">Your&nbsp;date&nbsp;of&nbsp;birth<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">Your&nbsp;Nationality<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">Your&nbsp;mobile&nbsp;number<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">Confirmation&nbsp;of&nbsp;your&nbsp;identification<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">Any&nbsp;additional&nbsp;information&nbsp;which&nbsp;we&nbsp;may&nbsp;require&nbsp;from&nbsp;time&nbsp;to&nbsp;time<\/span><\/li><\/ul><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">To&nbsp;become&nbsp;a&nbsp;Medium&nbsp;Customer,&nbsp;one&nbsp;of&nbsp;the&nbsp;following&nbsp;forms&nbsp;of&nbsp;identification&nbsp;is&nbsp;required&nbsp;in&nbsp;addition&nbsp;to&nbsp;the&nbsp;information&nbsp;in&nbsp;Clause&nbsp;2.5&nbsp;above:-<\/span><ul><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">Passport<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">Drivers&nbsp;Licence<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">Voter&nbsp;ID<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">National&nbsp;ID<\/span><\/li><\/ul><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">In&nbsp;addition&nbsp;to&nbsp;the&nbsp;information&nbsp;required&nbsp;under&nbsp;Clause&nbsp;2.5&nbsp;above,&nbsp;an&nbsp;Enhanced&nbsp;Customer&nbsp;shall&nbsp;be&nbsp;required&nbsp;to&nbsp;provide&nbsp;any&nbsp;one&nbsp;of&nbsp;the&nbsp;following&nbsp;pieces&nbsp;of&nbsp;documents:<\/span><ul><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">A&nbsp;bank&nbsp;statement<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">A&nbsp;utility&nbsp;bill<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">A&nbsp;tenancy&nbsp;agreement<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">A&nbsp;reference&nbsp;letter&nbsp;from&nbsp;an&nbsp;existing&nbsp;Enhanced&nbsp;Customer<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">An&nbsp;income&nbsp;tax&nbsp;certificate<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">An&nbsp;employer&nbsp;reference&nbsp;letter<\/span><\/li><\/ul><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">In&nbsp;the&nbsp;case&nbsp;of&nbsp;a&nbsp;foreign&nbsp;national,&nbsp;in&nbsp;order&nbsp;to&nbsp;become&nbsp;a&nbsp;Telecel&nbsp;Cash&nbsp;Customer,&nbsp;a&nbsp;valid&nbsp;passport&nbsp;must&nbsp;be&nbsp;provided&nbsp;as&nbsp;proof&nbsp;of&nbsp;identification.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">Customers&nbsp;under&nbsp;the&nbsp;age&nbsp;of&nbsp;16&nbsp;are&nbsp;only&nbsp;allowed&nbsp;access&nbsp;to&nbsp;become&nbsp;a&nbsp;Minimum&nbsp;Customer&nbsp;and&nbsp;must&nbsp;register&nbsp;with&nbsp;the&nbsp;information&nbsp;as&nbsp;detailed&nbsp;in&nbsp;Clause&nbsp;2.5&nbsp;above.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">In&nbsp;the&nbsp;case&nbsp;of&nbsp;a&nbsp;registered&nbsp;business,&nbsp;please&nbsp;contact&nbsp;a&nbsp;Telecel&nbsp;Retail&nbsp;Shop&nbsp;for&nbsp;further&nbsp;information&nbsp;on&nbsp;registration.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">All&nbsp;information&nbsp;provided&nbsp;must&nbsp;be&nbsp;complete&nbsp;and&nbsp;accurate&nbsp;in&nbsp;all&nbsp;respects.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">We&nbsp;may&nbsp;decline&nbsp;your&nbsp;application&nbsp;at&nbsp;our&nbsp;sole&nbsp;discretion.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">We&nbsp;may&nbsp;refuse&nbsp;to&nbsp;open&nbsp;an&nbsp;Account&nbsp;for&nbsp;you&nbsp;if&nbsp;we&nbsp;are&nbsp;not&nbsp;satisfied&nbsp;with&nbsp;proof&nbsp;of&nbsp;your&nbsp;identity.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">Upon&nbsp;activation&nbsp;of&nbsp;your&nbsp;Account&nbsp;by&nbsp;the&nbsp;input&nbsp;of&nbsp;the&nbsp;Start&nbsp;Key&nbsp;you&nbsp;will&nbsp;upon&nbsp;choosing&nbsp;a&nbsp;secret&nbsp;PIN,&nbsp;be&nbsp;entitled&nbsp;to&nbsp;use&nbsp;the&nbsp;Telecel&nbsp;Cash&nbsp;Services&nbsp;with&nbsp;immediate&nbsp;effect&nbsp;and&nbsp;this&nbsp;constitutes&nbsp;an&nbsp;acceptance&nbsp;of&nbsp;the&nbsp;Conditions&nbsp;of&nbsp;Use.<\/span><\/li><\/ul><\/li><\/ul><p><\/p><p><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">THE&nbsp;TELECEL&nbsp;CASH&nbsp;SERVICES<\/strong><\/p><ul><li><ul><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">The&nbsp;Telecel&nbsp;Cash&nbsp;Services&nbsp;are&nbsp;made&nbsp;available&nbsp;to&nbsp;you&nbsp;subject&nbsp;to&nbsp;the&nbsp;following&nbsp;limitations:-<\/span><ul><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">Although&nbsp;we&nbsp;will&nbsp;try&nbsp;to&nbsp;ensure&nbsp;that&nbsp;you&nbsp;are&nbsp;able&nbsp;to&nbsp;make&nbsp;full&nbsp;use&nbsp;of&nbsp;the&nbsp;Network&nbsp;to&nbsp;access&nbsp;Telecel&nbsp;Cash&nbsp;Services&nbsp;within&nbsp;the&nbsp;coverage&nbsp;area,&nbsp;we&nbsp;do&nbsp;not&nbsp;guarantee&nbsp;that&nbsp;the&nbsp;Telecel&nbsp;Cash&nbsp;Services&nbsp;will&nbsp;be&nbsp;available&nbsp;at&nbsp;all&nbsp;times&nbsp;and&nbsp;we&nbsp;will&nbsp;not&nbsp;be&nbsp;responsible&nbsp;or&nbsp;liable&nbsp;for&nbsp;any&nbsp;loss&nbsp;whatsoever&nbsp;or&nbsp;howsoever&nbsp;arising&nbsp;as&nbsp;a&nbsp;consequence&nbsp;of&nbsp;any&nbsp;non-availability&nbsp;of&nbsp;the&nbsp;Telecel&nbsp;Cash&nbsp;Services.&nbsp;The&nbsp;Telecel&nbsp;Cash&nbsp;Services&nbsp;are&nbsp;not&nbsp;fault&nbsp;free&nbsp;and&nbsp;factors&nbsp;including&nbsp;(but&nbsp;not&nbsp;limited&nbsp;to)&nbsp;natural&nbsp;disasters,&nbsp;geographical&nbsp;topography,&nbsp;weather&nbsp;conditions,&nbsp;planned&nbsp;maintenance&nbsp;or&nbsp;rectification&nbsp;work&nbsp;on&nbsp;the&nbsp;Network&nbsp;may&nbsp;interfere&nbsp;adversely&nbsp;with&nbsp;the&nbsp;quality&nbsp;and&nbsp;provision&nbsp;of&nbsp;the&nbsp;Telecel&nbsp;Cash&nbsp;Services.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">In&nbsp;the&nbsp;event&nbsp;of&nbsp;damage&nbsp;to,&nbsp;loss&nbsp;or&nbsp;theft&nbsp;of&nbsp;the&nbsp;SIM&nbsp;Card,&nbsp;you&nbsp;are&nbsp;obliged&nbsp;to&nbsp;inform&nbsp;us&nbsp;immediately&nbsp;of&nbsp;such&nbsp;damage,&nbsp;loss&nbsp;or&nbsp;theft.&nbsp;We&nbsp;will&nbsp;then&nbsp;disable&nbsp;such&nbsp;damaged,&nbsp;lost&nbsp;or&nbsp;stolen&nbsp;SIM&nbsp;Card&nbsp;so&nbsp;as&nbsp;to&nbsp;prevent&nbsp;further&nbsp;use&nbsp;of&nbsp;the&nbsp;Telecel&nbsp;Cash&nbsp;Services&nbsp;until&nbsp;the&nbsp;same&nbsp;has&nbsp;been&nbsp;replaced.&nbsp;A&nbsp;replacement&nbsp;fee&nbsp;will&nbsp;be&nbsp;applicable&nbsp;and&nbsp;you&nbsp;will&nbsp;be&nbsp;responsible&nbsp;for&nbsp;all&nbsp;Fees&nbsp;and&nbsp;Transactions&nbsp;effected&nbsp;up&nbsp;to&nbsp;the&nbsp;time&nbsp;of&nbsp;receipt&nbsp;by&nbsp;us&nbsp;of&nbsp;your&nbsp;notification&nbsp;of&nbsp;the&nbsp;damage,&nbsp;loss&nbsp;or&nbsp;theft.&nbsp;Notification&nbsp;of&nbsp;any&nbsp;such&nbsp;damage,&nbsp;loss&nbsp;or&nbsp;theft&nbsp;may&nbsp;be&nbsp;given&nbsp;by&nbsp;telephoning&nbsp;the&nbsp;Customer&nbsp;Call&nbsp;Centre&nbsp;or&nbsp;visiting&nbsp;a&nbsp;Telecel&nbsp;Retail&nbsp;outlet.&nbsp;You&nbsp;hereby&nbsp;indemnify&nbsp;us&nbsp;against&nbsp;any&nbsp;claims&nbsp;made&nbsp;in&nbsp;respect&nbsp;of&nbsp;any&nbsp;Transactions&nbsp;effected&nbsp;with&nbsp;your&nbsp;Mobile&nbsp;Phone&nbsp;and&nbsp;SIM&nbsp;Card&nbsp;prior&nbsp;to&nbsp;such&nbsp;notification&nbsp;being&nbsp;received.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">Please&nbsp;note&nbsp;that&nbsp;the&nbsp;confidentiality&nbsp;of&nbsp;your&nbsp;communications&nbsp;via&nbsp;our&nbsp;Network&nbsp;is&nbsp;not&nbsp;guaranteed.&nbsp;You&nbsp;are&nbsp;advised&nbsp;that&nbsp;for&nbsp;reasons&nbsp;beyond&nbsp;our&nbsp;control,&nbsp;there&nbsp;is&nbsp;a&nbsp;risk&nbsp;that&nbsp;your&nbsp;communications&nbsp;may&nbsp;be&nbsp;unlawfully&nbsp;intercepted&nbsp;or&nbsp;accessed&nbsp;by&nbsp;those&nbsp;other&nbsp;than&nbsp;the&nbsp;intended&nbsp;recipient.&nbsp;We&nbsp;cannot&nbsp;accept&nbsp;any&nbsp;liability&nbsp;for&nbsp;any&nbsp;loss,&nbsp;injury&nbsp;or&nbsp;damage&nbsp;whether&nbsp;direct&nbsp;or&nbsp;consequential&nbsp;arising&nbsp;out&nbsp;of&nbsp;any&nbsp;such&nbsp;unlawful&nbsp;interception&nbsp;or&nbsp;access.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">You&nbsp;accept&nbsp;that&nbsp;we&nbsp;may&nbsp;disclose&nbsp;or&nbsp;receive&nbsp;personal&nbsp;information&nbsp;or&nbsp;documents&nbsp;about&nbsp;you:-<\/span><ul><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">to&nbsp;and&nbsp;from&nbsp;local&nbsp;and&nbsp;international&nbsp;law&nbsp;enforcement&nbsp;or&nbsp;any&nbsp;competent&nbsp;regulatory&nbsp;or&nbsp;governmental&nbsp;agencies&nbsp;to&nbsp;assist&nbsp;in&nbsp;the&nbsp;prevention,&nbsp;detection&nbsp;or&nbsp;prosecution&nbsp;of&nbsp;criminal&nbsp;activities&nbsp;or&nbsp;fraud;<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">to&nbsp;and&nbsp;from&nbsp;our&nbsp;service&nbsp;providers&nbsp;(including&nbsp;Telecel&nbsp;Cash,&nbsp;Agents,&nbsp;Merchants&nbsp;or&nbsp;any&nbsp;other&nbsp;company&nbsp;that&nbsp;may&nbsp;be&nbsp;or&nbsp;become&nbsp;our&nbsp;subsidiary,&nbsp;parent&nbsp;company&nbsp;or&nbsp;partner)&nbsp;for&nbsp;reasonable&nbsp;commercial&nbsp;purposes&nbsp;connected&nbsp;to&nbsp;your&nbsp;use&nbsp;of&nbsp;the&nbsp;mobile&nbsp;service&nbsp;or&nbsp;the&nbsp;Telecel&nbsp;Cash&nbsp;Service,&nbsp;such&nbsp;as&nbsp;marketing&nbsp;and&nbsp;research&nbsp;related&nbsp;purposes;<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">to&nbsp;facilitate&nbsp;our&nbsp;ability&nbsp;to&nbsp;fulfil&nbsp;legal,&nbsp;governmental&nbsp;or&nbsp;regulatory&nbsp;requirements;&nbsp;and<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">to&nbsp;our&nbsp;lawyers&nbsp;or&nbsp;auditors&nbsp;or&nbsp;to&nbsp;the&nbsp;applicable&nbsp;court&nbsp;in&nbsp;connection&nbsp;with&nbsp;any&nbsp;legal&nbsp;or&nbsp;audit&nbsp;proceedings&nbsp;(notwithstanding&nbsp;that&nbsp;any&nbsp;such&nbsp;proceedings&nbsp;may&nbsp;be&nbsp;of&nbsp;a&nbsp;public&nbsp;nature).<\/span><\/li><\/ul><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">You&nbsp;agree&nbsp;to&nbsp;comply&nbsp;with&nbsp;any&nbsp;instructions&nbsp;that&nbsp;we&nbsp;may&nbsp;give&nbsp;you&nbsp;from&nbsp;time&nbsp;to&nbsp;time&nbsp;about&nbsp;the&nbsp;Telecel&nbsp;Cash&nbsp;Services.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">With&nbsp;the&nbsp;exception&nbsp;of&nbsp;calls&nbsp;made&nbsp;to&nbsp;our&nbsp;Customer&nbsp;Call&nbsp;Centre&nbsp;and&nbsp;to&nbsp;other&nbsp;designated&nbsp;toll&nbsp;free&nbsp;numbers,&nbsp;a&nbsp;minimum&nbsp;call&nbsp;charge&nbsp;may&nbsp;be&nbsp;levied&nbsp;in&nbsp;accordance&nbsp;with&nbsp;the&nbsp;applicable&nbsp;GSM&nbsp;Fees.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">Your&nbsp;calls,&nbsp;emails&nbsp;or&nbsp;SMS\u2019s&nbsp;to&nbsp;the&nbsp;Customer&nbsp;Call&nbsp;Centre&nbsp;may&nbsp;be&nbsp;monitored&nbsp;or&nbsp;recorded&nbsp;for&nbsp;use&nbsp;in&nbsp;business&nbsp;practices&nbsp;such&nbsp;as&nbsp;quality&nbsp;control,&nbsp;training,&nbsp;ensuring&nbsp;effective&nbsp;systems&nbsp;operation,&nbsp;prevention&nbsp;of&nbsp;unauthorized&nbsp;use&nbsp;of&nbsp;our&nbsp;telecommunications&nbsp;system&nbsp;and&nbsp;detection&nbsp;and&nbsp;prevention&nbsp;of&nbsp;crime.<\/span><\/li><\/ul><\/li><\/ul><\/li><\/ul><p><\/p><p><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">ACCEPTANCE&nbsp;AND&nbsp;COMMENCEMENT&nbsp;OF&nbsp;CONDITIONS&nbsp;OF&nbsp;USE<\/strong><\/p><ul><li><ul><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">You&nbsp;are&nbsp;deemed&nbsp;to&nbsp;have&nbsp;accepted&nbsp;these&nbsp;Conditions&nbsp;of&nbsp;Use&nbsp;as&nbsp;amended&nbsp;from&nbsp;time&nbsp;to&nbsp;time&nbsp;and&nbsp;which&nbsp;take&nbsp;effect:-<\/span><ul><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">Upon&nbsp;Registration;&nbsp;or<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">Upon&nbsp;the&nbsp;initial&nbsp;activation&nbsp;of&nbsp;the&nbsp;Telecel&nbsp;Cash&nbsp;Services&nbsp;by&nbsp;use&nbsp;of&nbsp;your&nbsp;Start&nbsp;Key.<\/span><\/li><\/ul><\/li><\/ul><\/li><\/ul><p><\/p><p><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">SUSPENSION&nbsp;AND&nbsp;DISCONNECTION&nbsp;OF&nbsp;THE&nbsp;SERVICES\/CLOSURE&nbsp;OF&nbsp;ACCOUNT<\/strong><\/p><ul><li><ul><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">We&nbsp;may&nbsp;suspend&nbsp;(bar),&nbsp;restrict&nbsp;or&nbsp;terminate&nbsp;the&nbsp;provision&nbsp;of&nbsp;the&nbsp;Telecel&nbsp;Cash&nbsp;Services&nbsp;(in&nbsp;whole&nbsp;or&nbsp;in&nbsp;part)&nbsp;and\/or&nbsp;close&nbsp;your&nbsp;Account&nbsp;without&nbsp;informing&nbsp;you&nbsp;and&nbsp;without&nbsp;any&nbsp;liability&nbsp;whatsoever&nbsp;(although,&nbsp;we&nbsp;will,&nbsp;where&nbsp;possible,&nbsp;try&nbsp;to&nbsp;inform&nbsp;you&nbsp;that&nbsp;such&nbsp;action&nbsp;is&nbsp;or&nbsp;may&nbsp;be&nbsp;taken)&nbsp;under&nbsp;the&nbsp;following&nbsp;circumstances:-<\/span><ul><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">if&nbsp;we&nbsp;are&nbsp;aware&nbsp;or&nbsp;have&nbsp;reason&nbsp;to&nbsp;believe&nbsp;that&nbsp;your&nbsp;Mobile&nbsp;Equipment&nbsp;or&nbsp;the&nbsp;MSISDN\/PIN&nbsp;number&nbsp;used&nbsp;in&nbsp;relation&nbsp;to&nbsp;the&nbsp;Telecel&nbsp;Cash&nbsp;Services&nbsp;is\/are&nbsp;being&nbsp;used&nbsp;in&nbsp;an&nbsp;unauthorized,&nbsp;unlawful,&nbsp;improper&nbsp;or&nbsp;fraudulent&nbsp;manner&nbsp;or&nbsp;for&nbsp;criminal&nbsp;activities&nbsp;(or&nbsp;has&nbsp;been&nbsp;so&nbsp;used&nbsp;previously);<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">if&nbsp;you&nbsp;do&nbsp;not&nbsp;comply&nbsp;with&nbsp;any&nbsp;of&nbsp;the&nbsp;conditions&nbsp;relating&nbsp;to&nbsp;the&nbsp;Telecel&nbsp;Cash&nbsp;Services&nbsp;including&nbsp;these&nbsp;Conditions&nbsp;of&nbsp;Use;<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">if&nbsp;you&nbsp;notify&nbsp;us&nbsp;that&nbsp;your&nbsp;Mobile&nbsp;Equipment&nbsp;has&nbsp;been&nbsp;lost&nbsp;or&nbsp;stolen&nbsp;or&nbsp;your&nbsp;PIN&nbsp;has&nbsp;been&nbsp;lost&nbsp;or&nbsp;disclosed&nbsp;to&nbsp;any&nbsp;other&nbsp;party;<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">if&nbsp;you&nbsp;do&nbsp;anything&nbsp;(or&nbsp;allow&nbsp;anything&nbsp;to&nbsp;be&nbsp;done)&nbsp;with&nbsp;your&nbsp;Mobile&nbsp;Equipment&nbsp;which&nbsp;we&nbsp;think&nbsp;may&nbsp;damage&nbsp;or&nbsp;affect&nbsp;the&nbsp;operation&nbsp;or&nbsp;security&nbsp;of&nbsp;the&nbsp;Network&nbsp;or&nbsp;the&nbsp;Telecel&nbsp;Cash&nbsp;Services;<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">force&nbsp;majeure;<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">Where&nbsp;we&nbsp;close&nbsp;your&nbsp;Account&nbsp;under&nbsp;Clause&nbsp;5.2.<\/span><\/li><\/ul><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">To&nbsp;access&nbsp;Telecel&nbsp;Cash&nbsp;Services,&nbsp;your&nbsp;SIM&nbsp;Card&nbsp;must&nbsp;be&nbsp;operational&nbsp;(\u201cactive\u201d)&nbsp;at&nbsp;all&nbsp;times.&nbsp;If&nbsp;your&nbsp;SIM&nbsp;Card&nbsp;is&nbsp;in&nbsp;inactive&nbsp;for&nbsp;a&nbsp;consecutive&nbsp;period&nbsp;of&nbsp;6&nbsp;months&nbsp;your&nbsp;Telecel&nbsp;Cash&nbsp;Account&nbsp;will&nbsp;automatically&nbsp;be&nbsp;closed&nbsp;by&nbsp;Telecel&nbsp;Cash&nbsp;and&nbsp;any&nbsp;E-Money&nbsp;standing&nbsp;to&nbsp;the&nbsp;Credit&nbsp;of&nbsp;your&nbsp;Account&nbsp;will&nbsp;be&nbsp;paid&nbsp;to&nbsp;you&nbsp;in&nbsp;accordance&nbsp;with&nbsp;Clause&nbsp;5.4.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">We&nbsp;will&nbsp;also&nbsp;close&nbsp;your&nbsp;Account&nbsp;upon&nbsp;receipt&nbsp;of&nbsp;your&nbsp;request&nbsp;to&nbsp;close&nbsp;your&nbsp;Account&nbsp;or&nbsp;upon&nbsp;you&nbsp;porting&nbsp;your&nbsp;MSISDN&nbsp;to&nbsp;another&nbsp;GSM&nbsp;network&nbsp;provider.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">Where&nbsp;the&nbsp;use&nbsp;of&nbsp;your&nbsp;PIN&nbsp;has&nbsp;been&nbsp;suspended&nbsp;or&nbsp;disconnected&nbsp;or&nbsp;your&nbsp;Account&nbsp;closed&nbsp;any&nbsp;Credit&nbsp;Balance&nbsp;in&nbsp;your&nbsp;Account&nbsp;will&nbsp;be&nbsp;repaid&nbsp;to&nbsp;you&nbsp;in&nbsp;Cash&nbsp;upon&nbsp;your&nbsp;presenting&nbsp;yourself&nbsp;at&nbsp;our&nbsp;Telecel&nbsp;Retail&nbsp;Shop&nbsp;at&nbsp;any&nbsp;time.&nbsp;You&nbsp;will&nbsp;only&nbsp;be&nbsp;paid&nbsp;any&nbsp;Credit&nbsp;Balance&nbsp;in&nbsp;Cash&nbsp;upon&nbsp;satisfactory&nbsp;evidence&nbsp;of&nbsp;your&nbsp;identity&nbsp;being&nbsp;produced.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">We&nbsp;will&nbsp;not&nbsp;be&nbsp;responsible&nbsp;to&nbsp;you&nbsp;for&nbsp;any&nbsp;direct,&nbsp;indirect,&nbsp;consequential&nbsp;or&nbsp;special&nbsp;damages&nbsp;arising&nbsp;from&nbsp;any&nbsp;act&nbsp;or&nbsp;omission&nbsp;by&nbsp;us&nbsp;or&nbsp;any&nbsp;third&nbsp;party&nbsp;for&nbsp;whom&nbsp;we&nbsp;are&nbsp;responsible,&nbsp;whether&nbsp;arising&nbsp;in&nbsp;contract,&nbsp;or&nbsp;statute,&nbsp;if&nbsp;we&nbsp;close&nbsp;or&nbsp;suspend&nbsp;your&nbsp;Account&nbsp;in&nbsp;in&nbsp;accordance&nbsp;with&nbsp;this&nbsp;Clause&nbsp;5.<\/span><\/li><\/ul><\/li><\/ul><p><\/p><p><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">FEES<\/strong><\/p><ul><li><ul><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">Fees&nbsp;as&nbsp;published&nbsp;are&nbsp;payable&nbsp;to&nbsp;Telecel&nbsp;Cash&nbsp;for&nbsp;each&nbsp;Transaction&nbsp;effected&nbsp;from&nbsp;your&nbsp;Account.&nbsp;The&nbsp;Price&nbsp;Guide&nbsp;is&nbsp;available&nbsp;from&nbsp;Telecel&nbsp;Cash&nbsp;Agents,&nbsp;the&nbsp;Telecel&nbsp;Retail&nbsp;Shops&nbsp;or&nbsp;by&nbsp;accessing&nbsp;the&nbsp;http:\/\/www.Telecel.com.gh.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">Fees&nbsp;payable&nbsp;on&nbsp;each&nbsp;Transaction&nbsp;will&nbsp;be&nbsp;deducted&nbsp;from&nbsp;your&nbsp;Account&nbsp;by&nbsp;Telecel&nbsp;Cash&nbsp;on&nbsp;conclusion&nbsp;of&nbsp;each&nbsp;Transaction&nbsp;and&nbsp;your&nbsp;new&nbsp;balance&nbsp;shall&nbsp;be&nbsp;notified&nbsp;to&nbsp;you&nbsp;by&nbsp;SMS.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">Fees&nbsp;are&nbsp;subject&nbsp;to&nbsp;applicable&nbsp;levies&nbsp;and&nbsp;taxes&nbsp;at&nbsp;the&nbsp;prevailing&nbsp;rates.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">All&nbsp;Fees&nbsp;payable&nbsp;by&nbsp;you&nbsp;in&nbsp;connection&nbsp;with&nbsp;the&nbsp;use&nbsp;of&nbsp;the&nbsp;Telecel&nbsp;Cash&nbsp;Services&nbsp;shall&nbsp;be&nbsp;debited&nbsp;from&nbsp;your&nbsp;Account&nbsp;without&nbsp;further&nbsp;reference&nbsp;to&nbsp;you.<\/span><\/li><\/ul><\/li><\/ul><p><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">&nbsp;<\/strong><\/p><p><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">TRANSACTIONS<\/strong><\/p><ul><li><ul><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">All&nbsp;Debit&nbsp;Transactions&nbsp;from&nbsp;your&nbsp;Account&nbsp;will&nbsp;be&nbsp;effected&nbsp;by&nbsp;Transfer&nbsp;Instructions&nbsp;authorized&nbsp;with&nbsp;the&nbsp;PIN&nbsp;which&nbsp;you&nbsp;choose&nbsp;when&nbsp;you&nbsp;register,&nbsp;or&nbsp;by&nbsp;such&nbsp;other&nbsp;method&nbsp;we&nbsp;may&nbsp;prescribe&nbsp;from&nbsp;time&nbsp;to&nbsp;time.&nbsp;Proof&nbsp;of&nbsp;ID&nbsp;will&nbsp;be&nbsp;required&nbsp;before&nbsp;any&nbsp;Transaction&nbsp;can&nbsp;be&nbsp;effected&nbsp;and&nbsp;the&nbsp;ID&nbsp;presented&nbsp;will&nbsp;be&nbsp;recorded&nbsp;by&nbsp;the&nbsp;Agent&nbsp;on&nbsp;each&nbsp;Transaction.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">Your&nbsp;Account&nbsp;will&nbsp;be&nbsp;credited&nbsp;when&nbsp;you&nbsp;purchase&nbsp;E-Money&nbsp;by&nbsp;making&nbsp;Payments&nbsp;or&nbsp;when&nbsp;E-Money&nbsp;is&nbsp;transferred&nbsp;to&nbsp;your&nbsp;Telecel&nbsp;Cash&nbsp;Account&nbsp;from&nbsp;another&nbsp;Customer&nbsp;or&nbsp;by&nbsp;a&nbsp;sender&nbsp;through&nbsp;an&nbsp;international&nbsp;money&nbsp;transfer&nbsp;service&nbsp;and&nbsp;all&nbsp;such&nbsp;amounts&nbsp;will&nbsp;be&nbsp;held&nbsp;by&nbsp;Telecel&nbsp;Cash&nbsp;to&nbsp;your&nbsp;order.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">You&nbsp;may\/Shall&nbsp;not&nbsp;effectuate&nbsp;any&nbsp;Transactions&nbsp;from&nbsp;your&nbsp;Account&nbsp;in&nbsp;the&nbsp;event&nbsp;that&nbsp;you&nbsp;do&nbsp;not&nbsp;have&nbsp;sufficient&nbsp;E-Money&nbsp;in&nbsp;your&nbsp;Account&nbsp;to&nbsp;meet&nbsp;the&nbsp;value&nbsp;of&nbsp;the&nbsp;Transaction&nbsp;and&nbsp;Fees&nbsp;applicable&nbsp;thereto.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">The&nbsp;Telecel&nbsp;Cash&nbsp;System&nbsp;will&nbsp;verify&nbsp;and&nbsp;confirm&nbsp;all&nbsp;Transactions&nbsp;effected&nbsp;from&nbsp;your&nbsp;Account&nbsp;by&nbsp;SMS&nbsp;to&nbsp;you.&nbsp;The&nbsp;Telecel&nbsp;Cash&nbsp;System&nbsp;records&nbsp;will&nbsp;be&nbsp;taken&nbsp;as&nbsp;correct&nbsp;unless&nbsp;the&nbsp;contrary&nbsp;is&nbsp;proved.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">On&nbsp;being&nbsp;provided&nbsp;with&nbsp;an&nbsp;Account,&nbsp;you&nbsp;will&nbsp;be&nbsp;able&nbsp;to&nbsp;effect&nbsp;the&nbsp;following&nbsp;Transactions:-<\/span><ul><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">Effectuate&nbsp;a&nbsp;Credit&nbsp;Transaction&nbsp;by&nbsp;making&nbsp;a&nbsp;Payment&nbsp;in&nbsp;Cash&nbsp;directly&nbsp;to&nbsp;an&nbsp;Agent&nbsp;in&nbsp;exchange&nbsp;for&nbsp;an&nbsp;equivalent&nbsp;amount&nbsp;of&nbsp;E-Money&nbsp;to&nbsp;be&nbsp;credited&nbsp;into&nbsp;your&nbsp;Account.&nbsp;Upon&nbsp;a&nbsp;Credit&nbsp;Transaction&nbsp;being&nbsp;made,&nbsp;the&nbsp;Telecel&nbsp;Cash&nbsp;System&nbsp;shall&nbsp;credit&nbsp;your&nbsp;Account&nbsp;accordingly.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">Effect&nbsp;a&nbsp;Debit&nbsp;Transaction&nbsp;by:-<\/span><ul><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">The&nbsp;exchange&nbsp;of&nbsp;E-money&nbsp;for&nbsp;Cash&nbsp;at&nbsp;any&nbsp;Agent&nbsp;by&nbsp;sending&nbsp;a&nbsp;Transfer&nbsp;Instruction&nbsp;to&nbsp;Telecel&nbsp;Cash&nbsp;pursuant&nbsp;to&nbsp;which&nbsp;the&nbsp;Agent&nbsp;will&nbsp;pay&nbsp;the&nbsp;equivalent&nbsp;amount&nbsp;of&nbsp;Cash&nbsp;to&nbsp;you.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">The&nbsp;transfer&nbsp;of&nbsp;E-money&nbsp;to&nbsp;another&nbsp;Customer&nbsp;by&nbsp;sending&nbsp;a&nbsp;Transfer&nbsp;Instruction&nbsp;to&nbsp;Telecel&nbsp;Cash,&nbsp;specifying&nbsp;the&nbsp;amount&nbsp;to&nbsp;be&nbsp;transferred.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">The&nbsp;purchase&nbsp;of&nbsp;Telecel&nbsp;Pre-paid&nbsp;Airtime&nbsp;or&nbsp;Data&nbsp;Bundle&nbsp;for&nbsp;yourself&nbsp;or&nbsp;a&nbsp;third&nbsp;party&nbsp;by&nbsp;sending&nbsp;a&nbsp;Transfer&nbsp;Instruction&nbsp;to&nbsp;Telecel&nbsp;Cash&nbsp;for&nbsp;the&nbsp;corresponding&nbsp;amount&nbsp;of&nbsp;E-Money&nbsp;to&nbsp;be&nbsp;sent&nbsp;to&nbsp;Telecel&nbsp;Ghana&nbsp;as&nbsp;the&nbsp;Designated&nbsp;Payee.&nbsp;<\/span><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">Where&nbsp;you&nbsp;or&nbsp;the&nbsp;third&nbsp;party&nbsp;has&nbsp;borrowed&nbsp;airtime&nbsp;under&nbsp;the&nbsp;Telecel&nbsp;SOS&nbsp;Credit&nbsp;service,&nbsp;the&nbsp;airtime&nbsp;credited&nbsp;to&nbsp;you&nbsp;or&nbsp;the&nbsp;third&nbsp;party&nbsp;or&nbsp;any&nbsp;outstanding&nbsp;amount&nbsp;thereon&nbsp;shall&nbsp;first&nbsp;be&nbsp;recovered&nbsp;from&nbsp;the&nbsp;airtime&nbsp;or&nbsp;data&nbsp;bundle&nbsp;you&nbsp;purchased&nbsp;and&nbsp;the&nbsp;remainder,&nbsp;if&nbsp;any,&nbsp;shall&nbsp;be&nbsp;credited&nbsp;to&nbsp;your&nbsp;airtime&nbsp;account&nbsp;or&nbsp;that&nbsp;of&nbsp;the&nbsp;third&nbsp;party&nbsp;as&nbsp;the&nbsp;case&nbsp;may&nbsp;be.<\/strong><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">The&nbsp;purchase&nbsp;of&nbsp;Goods&nbsp;and\/or&nbsp;Services&nbsp;from&nbsp;Merchants&nbsp;by&nbsp;Transfer&nbsp;Instructions&nbsp;via&nbsp;Telecel&nbsp;Cash&nbsp;of&nbsp;the&nbsp;amount&nbsp;to&nbsp;be&nbsp;transferred&nbsp;to&nbsp;the&nbsp;Merchant\u2019s&nbsp;Account&nbsp;in&nbsp;settlement&nbsp;for&nbsp;the&nbsp;Goods&nbsp;and\/or&nbsp;Services&nbsp;purchased.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">Upon&nbsp;any&nbsp;Credit&nbsp;Transaction&nbsp;or&nbsp;Debit&nbsp;Transaction&nbsp;being&nbsp;effected,&nbsp;the&nbsp;Telecel&nbsp;Cash&nbsp;System&nbsp;shall&nbsp;update&nbsp;your&nbsp;Account&nbsp;for&nbsp;completed&nbsp;transactions&nbsp;and&nbsp;new&nbsp;balance.<\/span><\/li><\/ul><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">Any&nbsp;Transaction&nbsp;which&nbsp;is&nbsp;not&nbsp;concluded&nbsp;within&nbsp;7&nbsp;days&nbsp;of&nbsp;the&nbsp;Transfer&nbsp;Instructions&nbsp;first&nbsp;being&nbsp;given&nbsp;will&nbsp;automatically&nbsp;be&nbsp;cancelled&nbsp;and&nbsp;an&nbsp;SMS&nbsp;notification&nbsp;sent&nbsp;via&nbsp;Telecel&nbsp;Cash&nbsp;of&nbsp;the&nbsp;cancellation&nbsp;shall&nbsp;be&nbsp;sent&nbsp;to&nbsp;the&nbsp;Customer.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">The&nbsp;Telecel&nbsp;Cash&nbsp;System&nbsp;will&nbsp;confirm&nbsp;every&nbsp;Transaction&nbsp;made&nbsp;by&nbsp;way&nbsp;of&nbsp;SMS&nbsp;together&nbsp;with&nbsp;an&nbsp;updated&nbsp;balance&nbsp;of&nbsp;your&nbsp;Account.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">Any&nbsp;Debit&nbsp;Transactions&nbsp;given&nbsp;using&nbsp;the&nbsp;PIN&nbsp;will&nbsp;be&nbsp;charged&nbsp;to&nbsp;the&nbsp;Account.&nbsp;You&nbsp;acknowledge&nbsp;that,&nbsp;unless&nbsp;and&nbsp;until&nbsp;Telecel&nbsp;Cash&nbsp;receives&nbsp;notice&nbsp;from&nbsp;you&nbsp;that&nbsp;your&nbsp;PIN,&nbsp;is&nbsp;no&nbsp;longer&nbsp;secure&nbsp;and\/or&nbsp;that&nbsp;your&nbsp;Mobile&nbsp;Equipment&nbsp;has&nbsp;been&nbsp;lost&nbsp;or&nbsp;stolen,&nbsp;Telecel&nbsp;may&nbsp;rely&nbsp;on&nbsp;the&nbsp;use&nbsp;of&nbsp;the&nbsp;PIN&nbsp;as&nbsp;conclusive&nbsp;evidence&nbsp;that&nbsp;a&nbsp;Debit&nbsp;Transaction&nbsp;has&nbsp;been&nbsp;authorized&nbsp;by&nbsp;you,&nbsp;even&nbsp;if&nbsp;it&nbsp;is&nbsp;actually&nbsp;made&nbsp;without&nbsp;your&nbsp;authority.&nbsp;Telecel&nbsp;Cash&nbsp;shall&nbsp;not&nbsp;require&nbsp;any&nbsp;written&nbsp;confirmation&nbsp;of&nbsp;any&nbsp;Transaction&nbsp;Instruction.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">You&nbsp;are&nbsp;unable&nbsp;to&nbsp;reverse&nbsp;any&nbsp;Transaction&nbsp;that&nbsp;has&nbsp;been&nbsp;completed&nbsp;in&nbsp;error.&nbsp;If&nbsp;a&nbsp;completed&nbsp;transaction&nbsp;has&nbsp;been&nbsp;sent&nbsp;to&nbsp;the&nbsp;wrong&nbsp;recipient,&nbsp;you&nbsp;may&nbsp;contact&nbsp;the&nbsp;Customer&nbsp;Call&nbsp;Centre&nbsp;or&nbsp;go&nbsp;to&nbsp;the&nbsp;Telecel&nbsp;Retail&nbsp;Shop&nbsp;to&nbsp;initiate&nbsp;a&nbsp;reversal&nbsp;of&nbsp;funds.&nbsp;We&nbsp;will&nbsp;not&nbsp;accept&nbsp;any&nbsp;responsibility&nbsp;where&nbsp;we&nbsp;are&nbsp;unable&nbsp;to&nbsp;reclaim&nbsp;funds&nbsp;on&nbsp;your&nbsp;behalf.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">You&nbsp;can&nbsp;only&nbsp;operate&nbsp;your&nbsp;Account&nbsp;in&nbsp;Ghana.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">Each&nbsp;Transaction&nbsp;will&nbsp;be&nbsp;issued&nbsp;with&nbsp;a&nbsp;unique&nbsp;receipt&nbsp;number&nbsp;that&nbsp;is&nbsp;included&nbsp;in&nbsp;the&nbsp;confirmation&nbsp;SMS&nbsp;sent&nbsp;to&nbsp;you&nbsp;with&nbsp;an&nbsp;updated&nbsp;balance&nbsp;of&nbsp;your&nbsp;Account.&nbsp;This&nbsp;receipt&nbsp;number&nbsp;is&nbsp;used&nbsp;to&nbsp;track&nbsp;and&nbsp;identify&nbsp;all&nbsp;Transactions&nbsp;carried&nbsp;out&nbsp;on&nbsp;your&nbsp;Account.<\/span><\/li><\/ul><\/li><\/ul><\/li><\/ul><p><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">&nbsp;<\/span><\/p><p><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">THRESHOLDS&nbsp;TO&nbsp;THE&nbsp;TRANSACTIONS<\/strong><\/p><ul><li><ul><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">The&nbsp;following&nbsp;thresholds&nbsp;are&nbsp;applicable&nbsp;to&nbsp;Telecel&nbsp;Cash&nbsp;accounts:<\/span><\/li><\/ul><\/li><\/ul><p><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">Customer&nbsp;Limits<\/strong><\/p><table style=\"border: 1px solid #000;\"><tbody><tr><td data-row=\"1\"><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">Customer&nbsp;Tier<\/strong><\/td><td data-row=\"1\"><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">Daily&nbsp;Debit&nbsp;(GHS)<\/strong><\/td><td data-row=\"1\"><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">Maximum&nbsp;Account&nbsp;Balance<\/strong><\/td><td data-row=\"1\"><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">Aggregate&nbsp;Monthly&nbsp;Limit<\/strong><\/td><\/tr><tr><td data-row=\"2\"><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">Tier&nbsp;0&nbsp;(Minimum&nbsp;KYC)<\/span><\/td><td data-row=\"2\"><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">3,000<\/span><\/td><td data-row=\"2\"><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">5,000<\/span><\/td><td data-row=\"2\"><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">10,000<\/span><\/td><\/tr><tr><td data-row=\"3\"><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">Tier&nbsp;1&nbsp;(Medium&nbsp;KYC)<\/span><\/td><td data-row=\"3\"><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">15,000<\/span><\/td><td data-row=\"3\"><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">40,000<\/span><\/td><td data-row=\"3\"><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">Unlimited<\/span><\/td><\/tr><tr><td data-row=\"4\"><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">Tier&nbsp;2&nbsp;(Enhanced&nbsp;KYC)<\/span><\/td><td data-row=\"4\"><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">25,000<\/span><\/td><td data-row=\"4\"><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">75,000<\/span><\/td><td data-row=\"4\"><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">Unlimited<\/span><\/td><\/tr><\/tbody><\/table><p><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">&nbsp;<\/span><\/p><ul><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">Any&nbsp;transaction&nbsp;exceeding&nbsp;the&nbsp;prescribed&nbsp;transaction&nbsp;thresholds&nbsp;will&nbsp;not&nbsp;be&nbsp;processed.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">Any&nbsp;changes&nbsp;in&nbsp;transactions&nbsp;thresholds&nbsp;will&nbsp;be&nbsp;communicated.<\/span><\/li><\/ul><p><\/p><p><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">GAMBLING&nbsp;OPT-OUT<\/strong><\/p><ul><li><ul><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">When&nbsp;you&nbsp;opt&nbsp;for&nbsp;this&nbsp;functionality,&nbsp;Telecel&nbsp;Cash&nbsp;shall&nbsp;block&nbsp;all&nbsp;attempts&nbsp;to&nbsp;transact&nbsp;with&nbsp;merchants&nbsp;that&nbsp;have&nbsp;identified&nbsp;themselves&nbsp;with&nbsp;it&nbsp;as&nbsp;gambling&nbsp;merchants&nbsp;only.&nbsp;In&nbsp;the&nbsp;event&nbsp;that&nbsp;a&nbsp;merchant&nbsp;undertakes&nbsp;gambling&nbsp;activities&nbsp;without&nbsp;informing&nbsp;us&nbsp;about&nbsp;such&nbsp;activities,&nbsp;we&nbsp;shall&nbsp;not&nbsp;be&nbsp;able&nbsp;to&nbsp;block&nbsp;transactions&nbsp;to&nbsp;the&nbsp;merchant.&nbsp;Payments&nbsp;in&nbsp;the&nbsp;form&nbsp;of&nbsp;winnings,&nbsp;withdrawals&nbsp;or&nbsp;refunds&nbsp;shall&nbsp;not&nbsp;be&nbsp;affected&nbsp;by&nbsp;the&nbsp;gambling&nbsp;opt-out&nbsp;functionality.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">You&nbsp;must&nbsp;activate&nbsp;the&nbsp;gambling&nbsp;block&nbsp;per&nbsp;account.&nbsp;In&nbsp;the&nbsp;event&nbsp;that&nbsp;you&nbsp;have&nbsp;different&nbsp;numbers&nbsp;on&nbsp;the&nbsp;network,&nbsp;activating&nbsp;the&nbsp;feature&nbsp;on&nbsp;one&nbsp;does&nbsp;not&nbsp;automatically&nbsp;activate&nbsp;for&nbsp;the&nbsp;remainder.&nbsp;Thus,&nbsp;you&nbsp;must&nbsp;activate&nbsp;the&nbsp;feature&nbsp;for&nbsp;all&nbsp;your&nbsp;accounts&nbsp;on&nbsp;the&nbsp;network.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">In&nbsp;the&nbsp;event&nbsp;that&nbsp;you&nbsp;intend&nbsp;to&nbsp;turn&nbsp;off&nbsp;the&nbsp;gambling&nbsp;opt-out&nbsp;feature,&nbsp;Telecel&nbsp;shall&nbsp;allow&nbsp;48&nbsp;hours&nbsp;as&nbsp;a&nbsp;cooling&nbsp;off&nbsp;period&nbsp;within&nbsp;which&nbsp;the&nbsp;Gambling&nbsp;Opt-out&nbsp;will&nbsp;still&nbsp;be&nbsp;active.&nbsp;The&nbsp;request&nbsp;to&nbsp;turn&nbsp;off&nbsp;the&nbsp;feature&nbsp;shall&nbsp;be&nbsp;effected&nbsp;within&nbsp;24&nbsp;hours&nbsp;after&nbsp;the&nbsp;cooling&nbsp;off&nbsp;period.<\/span><\/li><\/ul><\/li><\/ul><p><\/p><p><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">SECURITY&nbsp;AND&nbsp;UNAUTHORISED&nbsp;USE<\/strong><\/p><ul><li><ul><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">Only&nbsp;one&nbsp;PIN&nbsp;Number&nbsp;can&nbsp;be&nbsp;linked&nbsp;to&nbsp;your&nbsp;Account&nbsp;at&nbsp;any&nbsp;time.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">Only&nbsp;you&nbsp;may&nbsp;use&nbsp;your&nbsp;Mobile&nbsp;Phone&nbsp;and&nbsp;PIN&nbsp;Number.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">You&nbsp;are&nbsp;responsible&nbsp;for&nbsp;the&nbsp;safekeeping&nbsp;and&nbsp;proper&nbsp;use&nbsp;of&nbsp;your&nbsp;Mobile&nbsp;Equipment,&nbsp;your&nbsp;PIN,&nbsp;your&nbsp;Start&nbsp;Key&nbsp;and&nbsp;for&nbsp;all&nbsp;Transactions&nbsp;that&nbsp;take&nbsp;place&nbsp;on&nbsp;your&nbsp;account&nbsp;using&nbsp;your&nbsp;PIN.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">You&nbsp;should&nbsp;not&nbsp;under&nbsp;any&nbsp;circumstances&nbsp;disclose&nbsp;your&nbsp;PIN&nbsp;to&nbsp;any&nbsp;person&nbsp;including&nbsp;Agents,&nbsp;Telecel&nbsp;Retail&nbsp;Shops&nbsp;or&nbsp;the&nbsp;staff&nbsp;at&nbsp;the&nbsp;Customer&nbsp;Call&nbsp;Centre.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">You&nbsp;will&nbsp;be&nbsp;responsible&nbsp;for&nbsp;all&nbsp;applicable&nbsp;Fees&nbsp;for&nbsp;any&nbsp;Transaction&nbsp;effected&nbsp;including&nbsp;calls&nbsp;made&nbsp;on&nbsp;our&nbsp;Network&nbsp;using&nbsp;the&nbsp;Mobile&nbsp;Equipment&nbsp;whether&nbsp;those&nbsp;calls&nbsp;were&nbsp;made&nbsp;by&nbsp;you&nbsp;or&nbsp;someone&nbsp;else&nbsp;with&nbsp;or&nbsp;without&nbsp;your&nbsp;authority&nbsp;or&nbsp;knowledge.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">You&nbsp;are&nbsp;solely&nbsp;responsible&nbsp;for&nbsp;any&nbsp;transmitted&nbsp;material&nbsp;and&nbsp;or&nbsp;communication,&nbsp;which&nbsp;is&nbsp;classified&nbsp;as&nbsp;defamatory,&nbsp;illegal&nbsp;or&nbsp;in&nbsp;breach&nbsp;of&nbsp;any&nbsp;copyright&nbsp;and&nbsp;shall&nbsp;indemnify&nbsp;and&nbsp;keep&nbsp;us&nbsp;indemnified&nbsp;against&nbsp;any&nbsp;claims&nbsp;and&nbsp;expenses&nbsp;made&nbsp;against&nbsp;us&nbsp;in&nbsp;respect&nbsp;thereof.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">You&nbsp;must&nbsp;not&nbsp;use&nbsp;the&nbsp;Telecel&nbsp;Cash&nbsp;Services&nbsp;to&nbsp;commit&nbsp;any&nbsp;offence(s)&nbsp;against&nbsp;the&nbsp;laws&nbsp;of&nbsp;Ghana.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">You&nbsp;consent&nbsp;to&nbsp;the&nbsp;display&nbsp;of&nbsp;your&nbsp;first&nbsp;name&nbsp;for&nbsp;the&nbsp;purposes&nbsp;of&nbsp;being&nbsp;sent&nbsp;money&nbsp;by&nbsp;any&nbsp;person&nbsp;through&nbsp;your&nbsp;Telecel&nbsp;Cash&nbsp;account.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">You&nbsp;consent&nbsp;and&nbsp;hereby&nbsp;authorize&nbsp;us&nbsp;to&nbsp;use&nbsp;or&nbsp;share&nbsp;the&nbsp;data&nbsp;or&nbsp;other&nbsp;related&nbsp;Know&nbsp;Your&nbsp;Customer&nbsp;(KYC)&nbsp;information&nbsp;provided&nbsp;by&nbsp;you&nbsp;on&nbsp;your&nbsp;GSM&nbsp;or&nbsp;Telecel&nbsp;Cash&nbsp;with&nbsp;the&nbsp;appropriate&nbsp;authority&nbsp;or&nbsp;with&nbsp;our&nbsp;partners&nbsp;or&nbsp;affiliates&nbsp;or&nbsp;service&nbsp;providers&nbsp;or&nbsp;any&nbsp;person&nbsp;to&nbsp;improve&nbsp;upon&nbsp;the&nbsp;Telecel&nbsp;Cash&nbsp;Service&nbsp;for&nbsp;marketing&nbsp;purposes&nbsp;and&nbsp;to&nbsp;comply&nbsp;with&nbsp;our&nbsp;regulatory&nbsp;requirements&nbsp;or&nbsp;obligations&nbsp;under&nbsp;the&nbsp;laws&nbsp;of&nbsp;Ghana.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">We&nbsp;reserve&nbsp;the&nbsp;right&nbsp;to&nbsp;issue&nbsp;instructions&nbsp;regarding&nbsp;use&nbsp;of&nbsp;the&nbsp;Telecel&nbsp;Cash&nbsp;Service&nbsp;as&nbsp;we&nbsp;may&nbsp;from&nbsp;time&nbsp;to&nbsp;time&nbsp;consider&nbsp;necessary&nbsp;to&nbsp;maintain&nbsp;the&nbsp;integrity,&nbsp;quality&nbsp;and&nbsp;safety&nbsp;of&nbsp;the&nbsp;Telecel&nbsp;Cash&nbsp;Service&nbsp;for&nbsp;all&nbsp;Customers&nbsp;and&nbsp;such&nbsp;instruction&nbsp;shall&nbsp;be&nbsp;binding&nbsp;upon&nbsp;you&nbsp;and&nbsp;be&nbsp;deemed&nbsp;to&nbsp;form&nbsp;an&nbsp;integral&nbsp;part&nbsp;of&nbsp;the&nbsp;Telecel&nbsp;Cash&nbsp;Service.<\/span><\/li><\/ul><\/li><\/ul><p><\/p><p><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">VARIATIONS<\/strong><\/p><ul><li><ul><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">We&nbsp;reserve&nbsp;the&nbsp;right&nbsp;to&nbsp;vary&nbsp;at&nbsp;any&nbsp;time&nbsp;and&nbsp;without&nbsp;prior&nbsp;notice&nbsp;to&nbsp;you&nbsp;these&nbsp;Conditions&nbsp;of&nbsp;Use&nbsp;or&nbsp;the&nbsp;Fees.&nbsp;Variations&nbsp;will&nbsp;be&nbsp;notified&nbsp;by&nbsp;way&nbsp;of&nbsp;advertisement&nbsp;in&nbsp;a&nbsp;daily&nbsp;newspaper,&nbsp;SMS,&nbsp;or&nbsp;through&nbsp;our&nbsp;Website&nbsp;and&nbsp;or&nbsp;by&nbsp;using&nbsp;any&nbsp;other&nbsp;suitable&nbsp;means&nbsp;provided&nbsp;that&nbsp;you&nbsp;shall&nbsp;be&nbsp;deemed&nbsp;to&nbsp;have&nbsp;been&nbsp;notified&nbsp;of&nbsp;any&nbsp;such&nbsp;variations&nbsp;regardless&nbsp;that&nbsp;the&nbsp;same&nbsp;may&nbsp;not&nbsp;have&nbsp;actually&nbsp;come&nbsp;to&nbsp;your&nbsp;attention.&nbsp;Any&nbsp;variation&nbsp;in&nbsp;fees&nbsp;shall&nbsp;become&nbsp;effective&nbsp;after&nbsp;fourteen&nbsp;(14)&nbsp;days&nbsp;of&nbsp;such&nbsp;publication.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">By&nbsp;continuing&nbsp;to&nbsp;use&nbsp;the&nbsp;Telecel&nbsp;Cash&nbsp;Services&nbsp;you&nbsp;shall&nbsp;be&nbsp;deemed&nbsp;to&nbsp;have&nbsp;agreed&nbsp;to&nbsp;the&nbsp;variations&nbsp;communicated&nbsp;under&nbsp;this&nbsp;Clause&nbsp;11.&nbsp;If&nbsp;you&nbsp;do&nbsp;not&nbsp;accept&nbsp;any&nbsp;of&nbsp;the&nbsp;variations&nbsp;then&nbsp;you&nbsp;should&nbsp;not&nbsp;continue&nbsp;to&nbsp;make&nbsp;any&nbsp;Transactions&nbsp;otherwise&nbsp;you&nbsp;will&nbsp;be&nbsp;deemed&nbsp;to&nbsp;have&nbsp;accepted&nbsp;such&nbsp;modifications.<\/span><\/li><\/ul><\/li><\/ul><p><\/p><p><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">TELECEL&nbsp;CASH\u2019S&nbsp;RESPONSIBILITY<\/strong><\/p><ul><li><ul><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">Telecel&nbsp;Cash&nbsp;hereby&nbsp;declares&nbsp;that&nbsp;it&nbsp;holds&nbsp;all&nbsp;Payments&nbsp;received&nbsp;in&nbsp;respect&nbsp;of&nbsp;the&nbsp;Purchase&nbsp;of&nbsp;E-Money&nbsp;or&nbsp;transfers&nbsp;of&nbsp;E-Money&nbsp;into&nbsp;your&nbsp;Account&nbsp;for&nbsp;you&nbsp;and&nbsp;for&nbsp;your&nbsp;benefit&nbsp;and&nbsp;that&nbsp;you&nbsp;shall&nbsp;be&nbsp;beneficially&nbsp;entitled&nbsp;to&nbsp;all&nbsp;those&nbsp;amounts&nbsp;standing&nbsp;to&nbsp;the&nbsp;credit&nbsp;of&nbsp;your&nbsp;Account.&nbsp;You&nbsp;agree&nbsp;that&nbsp;Telecel&nbsp;Cash&nbsp;may&nbsp;treat&nbsp;the&nbsp;records&nbsp;of&nbsp;the&nbsp;Telecel&nbsp;Cash&nbsp;System&nbsp;as&nbsp;conclusive&nbsp;evidence&nbsp;of&nbsp;the&nbsp;amount&nbsp;of&nbsp;E-Money&nbsp;at&nbsp;any&nbsp;time&nbsp;standing&nbsp;to&nbsp;the&nbsp;credit&nbsp;of&nbsp;your&nbsp;Account.&nbsp;Telecel&nbsp;Cash&nbsp;is&nbsp;not&nbsp;bound&nbsp;to&nbsp;make&nbsp;any&nbsp;independent&nbsp;investigation&nbsp;of&nbsp;your&nbsp;beneficial&nbsp;entitlement&nbsp;to&nbsp;the&nbsp;amounts.&nbsp;You&nbsp;further&nbsp;agree&nbsp;that,&nbsp;in&nbsp;relation&nbsp;to&nbsp;any&nbsp;payment&nbsp;to&nbsp;you&nbsp;in&nbsp;respect&nbsp;of&nbsp;your&nbsp;entitlement&nbsp;to&nbsp;the&nbsp;amounts,&nbsp;we&nbsp;may&nbsp;act&nbsp;on&nbsp;instructions&nbsp;given&nbsp;by&nbsp;you&nbsp;using&nbsp;your&nbsp;PIN&nbsp;or&nbsp;instructions&nbsp;purported&nbsp;to&nbsp;be&nbsp;given&nbsp;by&nbsp;you&nbsp;using&nbsp;your&nbsp;PIN&nbsp;even&nbsp;if&nbsp;they&nbsp;are&nbsp;actually&nbsp;given&nbsp;by&nbsp;a&nbsp;third&nbsp;party.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">You&nbsp;acknowledge&nbsp;that&nbsp;Telecel&nbsp;Cash&nbsp;shall&nbsp;have&nbsp;no&nbsp;obligation&nbsp;to&nbsp;invest&nbsp;the&nbsp;amounts&nbsp;other&nbsp;than&nbsp;by&nbsp;way&nbsp;of&nbsp;holding&nbsp;the&nbsp;same&nbsp;in&nbsp;the&nbsp;account.&nbsp;You&nbsp;further&nbsp;acknowledge&nbsp;that,&nbsp;to&nbsp;the&nbsp;extent&nbsp;that&nbsp;any&nbsp;interest&nbsp;accrues&nbsp;on&nbsp;the&nbsp;Account,&nbsp;you&nbsp;shall&nbsp;have&nbsp;no&nbsp;beneficial&nbsp;entitlement&nbsp;to&nbsp;such&nbsp;interest&nbsp;and&nbsp;Telecel&nbsp;Cash&nbsp;shall&nbsp;be&nbsp;entitled&nbsp;to&nbsp;retain&nbsp;such&nbsp;interest&nbsp;to&nbsp;defray&nbsp;its&nbsp;own&nbsp;costs&nbsp;and&nbsp;expenses&nbsp;and\/or&nbsp;to&nbsp;pay&nbsp;the&nbsp;same&nbsp;to&nbsp;Telecel&nbsp;Ghana&nbsp;towards&nbsp;the&nbsp;costs&nbsp;and&nbsp;expenses&nbsp;of&nbsp;operating&nbsp;the&nbsp;Telecel&nbsp;Cash&nbsp;System&nbsp;and\/or&nbsp;to&nbsp;pay&nbsp;the&nbsp;same&nbsp;to&nbsp;such&nbsp;charitable&nbsp;cause(s)&nbsp;as&nbsp;the&nbsp;Telecel&nbsp;Cash&nbsp;may&nbsp;in&nbsp;its&nbsp;absolute&nbsp;discretion&nbsp;determine.<\/span><\/li><\/ul><\/li><\/ul><p><\/p><p><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">LIABILITY&nbsp;AND&nbsp;EXCLUSIONS<\/strong><\/p><ul><li><ul><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">In&nbsp;the&nbsp;event&nbsp;that&nbsp;we&nbsp;are&nbsp;compelled&nbsp;to&nbsp;change&nbsp;or&nbsp;reassign&nbsp;your&nbsp;telecommunications&nbsp;numbering&nbsp;to&nbsp;meet&nbsp;regulatory&nbsp;requirements&nbsp;or&nbsp;for&nbsp;any&nbsp;other&nbsp;reason&nbsp;our&nbsp;liability&nbsp;will&nbsp;be&nbsp;limited&nbsp;to&nbsp;retaining&nbsp;your&nbsp;Account&nbsp;and&nbsp;where&nbsp;possible,&nbsp;transferring&nbsp;your&nbsp;Account&nbsp;to&nbsp;a&nbsp;new&nbsp;MSISDN,&nbsp;failing&nbsp;which&nbsp;you&nbsp;will&nbsp;be&nbsp;paid&nbsp;out&nbsp;the&nbsp;Credit&nbsp;Balance&nbsp;standing&nbsp;in&nbsp;your&nbsp;Account&nbsp;in&nbsp;Cash.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">To&nbsp;the&nbsp;maximum&nbsp;extent&nbsp;permissible&nbsp;by&nbsp;law&nbsp;we&nbsp;exclude&nbsp;warranties&nbsp;of&nbsp;all&nbsp;kinds,&nbsp;either&nbsp;express&nbsp;or&nbsp;implied.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">All&nbsp;Agents&nbsp;are&nbsp;no&nbsp;more&nbsp;than&nbsp;independent&nbsp;Outlets&nbsp;authorised&nbsp;by&nbsp;Telecel&nbsp;Cash&nbsp;or&nbsp;an&nbsp;approved&nbsp;Telecel&nbsp;Cash&nbsp;Agent&nbsp;Aggregator&nbsp;to&nbsp;provide&nbsp;Telecel&nbsp;Cash&nbsp;Services&nbsp;and&nbsp;no&nbsp;agency&nbsp;relationship&nbsp;exists&nbsp;between&nbsp;Telecel&nbsp;Cash&nbsp;and&nbsp;the&nbsp;Agents&nbsp;and&nbsp;we&nbsp;accordingly&nbsp;bear&nbsp;no&nbsp;responsibility&nbsp;or&nbsp;liability&nbsp;for&nbsp;any&nbsp;default&nbsp;or&nbsp;negligence&nbsp;on&nbsp;the&nbsp;part&nbsp;of&nbsp;the&nbsp;Agents&nbsp;in&nbsp;providing&nbsp;the&nbsp;Telecel&nbsp;Cash&nbsp;Services.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">We&nbsp;shall&nbsp;not&nbsp;be&nbsp;liable&nbsp;for&nbsp;any&nbsp;loss&nbsp;which&nbsp;you&nbsp;suffer&nbsp;unless&nbsp;it&nbsp;is&nbsp;directly&nbsp;caused&nbsp;by&nbsp;our&nbsp;being&nbsp;gross&nbsp;negligent,&nbsp;wilful&nbsp;default&nbsp;or&nbsp;deliberately&nbsp;acting&nbsp;wrongly.&nbsp;If&nbsp;we&nbsp;do&nbsp;act&nbsp;negligently&nbsp;or&nbsp;wrongly,&nbsp;we&nbsp;shall&nbsp;only&nbsp;be&nbsp;liable&nbsp;for&nbsp;the&nbsp;amount&nbsp;of&nbsp;the&nbsp;loss&nbsp;that&nbsp;a&nbsp;normal&nbsp;Customer&nbsp;in&nbsp;your&nbsp;position&nbsp;would&nbsp;have&nbsp;suffered&nbsp;and&nbsp;not&nbsp;any&nbsp;loss&nbsp;which&nbsp;results&nbsp;from&nbsp;your&nbsp;particular&nbsp;circumstances,&nbsp;even&nbsp;if&nbsp;we&nbsp;know&nbsp;that&nbsp;your&nbsp;circumstances&nbsp;are&nbsp;unusual.<\/span><\/li><\/ul><\/li><\/ul><p><\/p><p><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">MISCELLANEOUS<\/strong><\/p><ul><li><ul><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">These&nbsp;Conditions&nbsp;of&nbsp;Use&nbsp;(as&nbsp;from&nbsp;time&nbsp;to&nbsp;time&nbsp;may&nbsp;be&nbsp;amended)&nbsp;forms&nbsp;a&nbsp;legally&nbsp;binding&nbsp;agreement,&nbsp;binding&nbsp;on&nbsp;you.&nbsp;The&nbsp;Telecel&nbsp;Cash&nbsp;Service&nbsp;is&nbsp;personal&nbsp;to&nbsp;you&nbsp;and&nbsp;not&nbsp;transferable&nbsp;or&nbsp;binding&nbsp;on&nbsp;your&nbsp;personal&nbsp;successors&nbsp;or&nbsp;assigns.&nbsp;Upon&nbsp;your&nbsp;demise,&nbsp;outstanding&nbsp;balance&nbsp;in&nbsp;our&nbsp;E-Money&nbsp;account&nbsp;will&nbsp;be&nbsp;paid&nbsp;to&nbsp;your&nbsp;personal&nbsp;representative&nbsp;or&nbsp;administrators.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">No&nbsp;failure&nbsp;or&nbsp;delay&nbsp;by&nbsp;either&nbsp;of&nbsp;us&nbsp;in&nbsp;exercising&nbsp;any&nbsp;right&nbsp;or&nbsp;remedy&nbsp;hereunder&nbsp;shall&nbsp;operate&nbsp;as&nbsp;a&nbsp;waiver&nbsp;thereof,&nbsp;nor&nbsp;shall&nbsp;any&nbsp;single&nbsp;or&nbsp;partial&nbsp;exercise&nbsp;of&nbsp;any&nbsp;right&nbsp;or&nbsp;remedy&nbsp;prevent&nbsp;any&nbsp;further&nbsp;or&nbsp;other&nbsp;exercise&nbsp;thereof&nbsp;or&nbsp;the&nbsp;exercise&nbsp;of&nbsp;any&nbsp;other&nbsp;right&nbsp;or&nbsp;remedy.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">The&nbsp;rights&nbsp;and&nbsp;remedies&nbsp;herein&nbsp;provided&nbsp;are&nbsp;cumulative&nbsp;and&nbsp;not&nbsp;exclusive&nbsp;of&nbsp;any&nbsp;rights&nbsp;or&nbsp;remedies&nbsp;provided&nbsp;by&nbsp;law.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">If&nbsp;any&nbsp;provision&nbsp;of&nbsp;these&nbsp;Conditions&nbsp;of&nbsp;Use&nbsp;shall&nbsp;be&nbsp;found&nbsp;by&nbsp;any&nbsp;duly&nbsp;appointed&nbsp;arbitrator,&nbsp;court&nbsp;or&nbsp;administrative&nbsp;body&nbsp;of&nbsp;competent&nbsp;jurisdiction&nbsp;to&nbsp;be&nbsp;invalid&nbsp;or&nbsp;unenforceable&nbsp;the&nbsp;invalidity&nbsp;or&nbsp;unenforceability&nbsp;of&nbsp;such&nbsp;provision&nbsp;shall&nbsp;not&nbsp;affect&nbsp;the&nbsp;other&nbsp;provisions&nbsp;herein&nbsp;and&nbsp;all&nbsp;provisions&nbsp;not&nbsp;so&nbsp;affected&nbsp;by&nbsp;such&nbsp;invalidity&nbsp;or&nbsp;unenforceability&nbsp;shall&nbsp;remain&nbsp;in&nbsp;full&nbsp;force&nbsp;and&nbsp;effect.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">It&nbsp;is&nbsp;your&nbsp;duty&nbsp;to&nbsp;acquaint&nbsp;yourself&nbsp;and&nbsp;to&nbsp;comply&nbsp;with&nbsp;all&nbsp;applicable&nbsp;requirements&nbsp;and&nbsp;restrictions&nbsp;imposed&nbsp;by&nbsp;the&nbsp;Government&nbsp;of&nbsp;Ghana&nbsp;and&nbsp;other&nbsp;applicable&nbsp;authorities&nbsp;including&nbsp;the&nbsp;Bank&nbsp;of&nbsp;Ghana&nbsp;and&nbsp;the&nbsp;National&nbsp;Communications&nbsp;Authority&nbsp;(NCA)&nbsp;relating&nbsp;to&nbsp;the&nbsp;use&nbsp;of&nbsp;the&nbsp;Telecel&nbsp;Cash&nbsp;Service&nbsp;.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">Information&nbsp;contained&nbsp;in&nbsp;any&nbsp;promotional&nbsp;material&nbsp;advertisement&nbsp;and&nbsp;publicity&nbsp;campaigns&nbsp;are&nbsp;for&nbsp;information&nbsp;purposes&nbsp;only&nbsp;and&nbsp;shall&nbsp;not&nbsp;form&nbsp;part&nbsp;of&nbsp;these&nbsp;Terms&nbsp;and&nbsp;Conditions.&nbsp;You&nbsp;acknowledge&nbsp;that&nbsp;you&nbsp;have&nbsp;not&nbsp;relied&nbsp;on&nbsp;or&nbsp;been&nbsp;induced&nbsp;by&nbsp;any&nbsp;such&nbsp;material&nbsp;into&nbsp;subscribing&nbsp;to&nbsp;the&nbsp;Telecel&nbsp;Cash&nbsp;Service.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">You&nbsp;must&nbsp;immediately&nbsp;notify&nbsp;us&nbsp;of&nbsp;any&nbsp;change&nbsp;of&nbsp;details&nbsp;as&nbsp;submitted&nbsp;on&nbsp;the&nbsp;registration&nbsp;form&nbsp;including&nbsp;e-mail&nbsp;address,&nbsp;residential&nbsp;and&nbsp;postal&nbsp;address.&nbsp;Telecel&nbsp;Cash&nbsp;bears&nbsp;no&nbsp;liability&nbsp;or&nbsp;responsibility&nbsp;whatsoever&nbsp;for&nbsp;your&nbsp;refusal&nbsp;to&nbsp;update&nbsp;us&nbsp;of&nbsp;any&nbsp;change&nbsp;in&nbsp;your&nbsp;registration&nbsp;details.<\/span><\/li><\/ul><\/li><\/ul><p><\/p><p><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">STATEMENTS<\/strong><\/p><ul><li><ul><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">You&nbsp;may&nbsp;obtain&nbsp;a&nbsp;balance&nbsp;enquiry&nbsp;and\/or&nbsp;query&nbsp;any&nbsp;transactions&nbsp;effected&nbsp;using&nbsp;your&nbsp;Mobile&nbsp;Equipment.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">Printed&nbsp;statements&nbsp;of&nbsp;your&nbsp;Account&nbsp;can&nbsp;be&nbsp;provided&nbsp;at&nbsp;a&nbsp;cost&nbsp;to&nbsp;you&nbsp;upon&nbsp;request.<\/span><\/li><\/ul><\/li><\/ul><p><\/p><p><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">FAILURE&nbsp;OR&nbsp;MALFUNCTION&nbsp;OF&nbsp;EQUIPMENT<\/strong><\/p><ul><li><ul><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">We&nbsp;are&nbsp;not&nbsp;responsible&nbsp;for&nbsp;any&nbsp;loss&nbsp;arising&nbsp;from&nbsp;any&nbsp;failure,&nbsp;malfunction,&nbsp;or&nbsp;delay&nbsp;in&nbsp;any&nbsp;Network,&nbsp;Mobile&nbsp;Equipment,&nbsp;the&nbsp;Internet&nbsp;or&nbsp;any&nbsp;of&nbsp;its&nbsp;supporting&nbsp;or&nbsp;shared&nbsp;networks,&nbsp;resulting&nbsp;from&nbsp;circumstances&nbsp;beyond&nbsp;our&nbsp;reasonable&nbsp;control.<\/span><\/li><\/ul><\/li><\/ul><p><\/p><p><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">NOTICES<\/strong><\/p><ul><li><ul><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">We&nbsp;are&nbsp;entitled&nbsp;to&nbsp;send&nbsp;information&nbsp;to&nbsp;you&nbsp;via&nbsp;SMS&nbsp;to&nbsp;the&nbsp;MSISDN&nbsp;supplied&nbsp;to&nbsp;us.&nbsp;These&nbsp;SMS\u2019s&nbsp;are&nbsp;for&nbsp;information&nbsp;purposes&nbsp;only.&nbsp;We&nbsp;may&nbsp;also&nbsp;send&nbsp;notices&nbsp;to&nbsp;you&nbsp;by&nbsp;way&nbsp;of&nbsp;advertisement&nbsp;in&nbsp;a&nbsp;daily&nbsp;newspaper,&nbsp;or&nbsp;through&nbsp;the&nbsp;Telecel&nbsp;Cash&nbsp;Website&nbsp;and\/or&nbsp;by&nbsp;using&nbsp;any&nbsp;other&nbsp;suitable.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">You&nbsp;should&nbsp;send&nbsp;any&nbsp;notice&nbsp;to&nbsp;us&nbsp;at&nbsp;our&nbsp;chosen&nbsp;address:&nbsp;Managing&nbsp;Director&nbsp;of&nbsp;Telecel&nbsp;Cash,&nbsp;Telecel&nbsp;Cash,&nbsp;Manet&nbsp;Towers,&nbsp;Tower&nbsp;A&nbsp;South&nbsp;Liberation&nbsp;Link,&nbsp;Airport&nbsp;City,&nbsp;Accra,&nbsp;Ghana.<\/span><\/li><\/ul><\/li><\/ul><p><\/p><p><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">GENERAL<\/strong><\/p><ul><li><ul><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">You&nbsp;will&nbsp;be&nbsp;responsible&nbsp;for&nbsp;payment&nbsp;of&nbsp;all&nbsp;our&nbsp;expenses&nbsp;in&nbsp;the&nbsp;case&nbsp;of&nbsp;any&nbsp;dispute,&nbsp;including&nbsp;legal&nbsp;fees,&nbsp;collection&nbsp;fees&nbsp;and&nbsp;tracing&nbsp;fees.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">A&nbsp;certificate&nbsp;signed&nbsp;by&nbsp;any&nbsp;of&nbsp;our&nbsp;managers&nbsp;(whose&nbsp;appointment&nbsp;need&nbsp;not&nbsp;be&nbsp;proved)&nbsp;showing&nbsp;the&nbsp;amount&nbsp;you&nbsp;owe&nbsp;us&nbsp;is&nbsp;sufficient&nbsp;proof&nbsp;of&nbsp;the&nbsp;facts&nbsp;stated&nbsp;on&nbsp;the&nbsp;certificate,&nbsp;unless&nbsp;the&nbsp;contrary&nbsp;is&nbsp;proved.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">We&nbsp;will&nbsp;not&nbsp;be&nbsp;responsible&nbsp;to&nbsp;you&nbsp;for&nbsp;any&nbsp;indirect,&nbsp;consequential&nbsp;or&nbsp;special&nbsp;damages&nbsp;arising&nbsp;from&nbsp;any&nbsp;act&nbsp;or&nbsp;omission&nbsp;by&nbsp;us&nbsp;or&nbsp;any&nbsp;third&nbsp;party&nbsp;for&nbsp;whom&nbsp;we&nbsp;are&nbsp;responsible&nbsp;and&nbsp;whether&nbsp;arising&nbsp;in&nbsp;contract,&nbsp;statute&nbsp;or&nbsp;tort.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">You&nbsp;must&nbsp;notify&nbsp;us&nbsp;immediately&nbsp;of&nbsp;any&nbsp;change&nbsp;of&nbsp;your&nbsp;details&nbsp;in&nbsp;your&nbsp;registration&nbsp;details.&nbsp;Telecel&nbsp;Cash&nbsp;will&nbsp;not&nbsp;be&nbsp;responsible&nbsp;for&nbsp;any&nbsp;loss&nbsp;or&nbsp;damages&nbsp;arising&nbsp;from&nbsp;your&nbsp;failure&nbsp;to&nbsp;update&nbsp;your&nbsp;registration&nbsp;details.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">You&nbsp;agree&nbsp;that&nbsp;your&nbsp;information,&nbsp;including&nbsp;your&nbsp;personal&nbsp;information,&nbsp;your&nbsp;conversations&nbsp;with&nbsp;our&nbsp;Customer&nbsp;Call&nbsp;Centre&nbsp;and&nbsp;your&nbsp;Transactions&nbsp;will&nbsp;be&nbsp;recorded&nbsp;and&nbsp;stored&nbsp;for&nbsp;record&nbsp;keeping&nbsp;purposes&nbsp;for&nbsp;six&nbsp;(6)&nbsp;years&nbsp;from&nbsp;date&nbsp;of&nbsp;closure&nbsp;of&nbsp;your&nbsp;Account.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">All&nbsp;copyright,&nbsp;trademarks&nbsp;and&nbsp;other&nbsp;intellectual&nbsp;property&nbsp;rights&nbsp;used&nbsp;as&nbsp;part&nbsp;of&nbsp;the&nbsp;Telecel&nbsp;Cash&nbsp;Services&nbsp;or&nbsp;contained&nbsp;in&nbsp;our&nbsp;documents&nbsp;are&nbsp;owned&nbsp;by&nbsp;Telecel&nbsp;Cash&nbsp;or&nbsp;its&nbsp;licensors.&nbsp;You&nbsp;agree&nbsp;that&nbsp;you&nbsp;acquire&nbsp;no&nbsp;rights&nbsp;thereto.<\/span><\/li><\/ul><\/li><\/ul><p><\/p><p><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">JURISDICTION&nbsp;AND&nbsp;ARBITRATION<\/strong><\/p><ul><li><ul><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">These&nbsp;Conditions&nbsp;of&nbsp;Use&nbsp;are&nbsp;governed&nbsp;by&nbsp;the&nbsp;laws&nbsp;of&nbsp;Ghana.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">Any&nbsp;disputes&nbsp;arising&nbsp;from&nbsp;or&nbsp;in&nbsp;connection&nbsp;with&nbsp;the&nbsp;present&nbsp;Conditions&nbsp;of&nbsp;Use&nbsp;shall&nbsp;first&nbsp;be&nbsp;resolved&nbsp;through&nbsp;amicable&nbsp;solution;&nbsp;failure&nbsp;in&nbsp;which&nbsp;case&nbsp;the&nbsp;dispute&nbsp;shall&nbsp;be&nbsp;finally&nbsp;resolved&nbsp;in&nbsp;accordance&nbsp;with&nbsp;the&nbsp;provisions&nbsp;of&nbsp;the&nbsp;Alternative&nbsp;Dispute&nbsp;Resolution&nbsp;Act,&nbsp;2010&nbsp;(Act&nbsp;798)&nbsp;or&nbsp;any&nbsp;statutory&nbsp;modification&nbsp;or&nbsp;re-enactment&nbsp;thereof&nbsp;for&nbsp;the&nbsp;time&nbsp;being&nbsp;in&nbsp;force.&nbsp;Each&nbsp;party&nbsp;shall&nbsp;appoint&nbsp;one&nbsp;arbitrator&nbsp;and&nbsp;the&nbsp;two&nbsp;arbitrators&nbsp;so&nbsp;appointed&nbsp;shall&nbsp;jointly&nbsp;appoint&nbsp;an&nbsp;Umpire,&nbsp;within&nbsp;60&nbsp;days&nbsp;of&nbsp;the&nbsp;notification&nbsp;of&nbsp;a&nbsp;dispute.&nbsp;Such&nbsp;arbitration&nbsp;shall&nbsp;be&nbsp;conducted&nbsp;in&nbsp;Accra&nbsp;in&nbsp;accordance&nbsp;with&nbsp;the&nbsp;Rules&nbsp;of&nbsp;Arbitration,&nbsp;as&nbsp;amended&nbsp;from&nbsp;time&nbsp;to&nbsp;time.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">To&nbsp;the&nbsp;extent&nbsp;permissible&nbsp;by&nbsp;law,&nbsp;the&nbsp;determination&nbsp;of&nbsp;the&nbsp;Arbitrators&nbsp;shall&nbsp;be&nbsp;final,&nbsp;conclusive&nbsp;and&nbsp;binding&nbsp;upon&nbsp;the&nbsp;parties&nbsp;hereto.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">Notwithstanding&nbsp;Clause&nbsp;19.2,&nbsp;either&nbsp;Party&nbsp;shall&nbsp;have&nbsp;the&nbsp;right&nbsp;to&nbsp;file&nbsp;any&nbsp;action&nbsp;necessary&nbsp;in&nbsp;any&nbsp;court&nbsp;of&nbsp;competent&nbsp;jurisdiction&nbsp;to&nbsp;seek&nbsp;specific&nbsp;performance,&nbsp;an&nbsp;injunction&nbsp;or&nbsp;other&nbsp;equitable&nbsp;relief&nbsp;to&nbsp;restrain&nbsp;the&nbsp;other&nbsp;as&nbsp;a&nbsp;remedy&nbsp;for&nbsp;any&nbsp;actual&nbsp;or&nbsp;threatened&nbsp;breach.<\/span><\/li><\/ul><\/li><\/ul><p><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">&nbsp;<\/span><\/p><p><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">PRIVACY&nbsp;STATEMENT<\/strong><\/p><ul><li><ul><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">Telecel&nbsp;Cash&nbsp;is&nbsp;committed&nbsp;to&nbsp;respecting&nbsp;the&nbsp;privacy&nbsp;of&nbsp;the&nbsp;Subscriber\u2019s&nbsp;personal&nbsp;data.&nbsp;To&nbsp;demonstrate&nbsp;our&nbsp;commitment,&nbsp;Telecel&nbsp;has&nbsp;created&nbsp;a&nbsp;Privacy&nbsp;Policy&nbsp;in&nbsp;order&nbsp;to&nbsp;communicate&nbsp;its&nbsp;intent&nbsp;to&nbsp;provide&nbsp;effective&nbsp;processes&nbsp;for&nbsp;the&nbsp;appropriate&nbsp;handling&nbsp;of&nbsp;such&nbsp;private&nbsp;information&nbsp;by&nbsp;all&nbsp;its&nbsp;directors,&nbsp;employees&nbsp;and&nbsp;officers&nbsp;and&nbsp;to&nbsp;comply&nbsp;with&nbsp;applicable&nbsp;legislation&nbsp;that&nbsp;governs&nbsp;the&nbsp;authentication,&nbsp;protection&nbsp;and&nbsp;disclosure&nbsp;of&nbsp;personal&nbsp;information.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">For&nbsp;the&nbsp;purpose&nbsp;of&nbsp;business&nbsp;communications,&nbsp;administration&nbsp;and&nbsp;transacting,&nbsp;improving&nbsp;the&nbsp;services,&nbsp;creating&nbsp;products&nbsp;or&nbsp;services&nbsp;that&nbsp;may&nbsp;meet&nbsp;the&nbsp;Subscriber\u2019s&nbsp;future&nbsp;requirements&nbsp;and\/or&nbsp;delivering&nbsp;targeted&nbsp;advertising&nbsp;to&nbsp;the&nbsp;Subscriber&nbsp;within&nbsp;Telecel\u2019s&nbsp;various&nbsp;current&nbsp;and&nbsp;future&nbsp;Telecel&nbsp;web&nbsp;and&nbsp;wap&nbsp;portals,&nbsp;Telecel&nbsp;Cash&nbsp;may&nbsp;collect&nbsp;and&nbsp;use&nbsp;personal&nbsp;information,&nbsp;which&nbsp;may&nbsp;include&nbsp;(but&nbsp;not&nbsp;be&nbsp;limited&nbsp;to):&nbsp;the&nbsp;Subscriber\u2019s&nbsp;name,&nbsp;address\/location&nbsp;and&nbsp;date&nbsp;of&nbsp;birth.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">Telecel&nbsp;Cash&nbsp;will&nbsp;not&nbsp;collect,&nbsp;store,&nbsp;process,&nbsp;transmit&nbsp;or&nbsp;otherwise&nbsp;handle&nbsp;private&nbsp;information&nbsp;for&nbsp;any&nbsp;other&nbsp;purpose&nbsp;than&nbsp;stated&nbsp;herein&nbsp;and&nbsp;for&nbsp;historical,&nbsp;statistical&nbsp;or&nbsp;research&nbsp;purposes&nbsp;as&nbsp;stipulated&nbsp;in&nbsp;the&nbsp;Sec&nbsp;27(4)(h)&nbsp;of&nbsp;the&nbsp;Data&nbsp;Protection&nbsp;Act,&nbsp;2012&nbsp;(ACT&nbsp;843).&nbsp;Monitoring&nbsp;or&nbsp;recording&nbsp;of&nbsp;the&nbsp;Subscriber\u2019s&nbsp;activities&nbsp;may&nbsp;take&nbsp;place&nbsp;for&nbsp;business&nbsp;purposes&nbsp;to&nbsp;the&nbsp;extent&nbsp;permitted&nbsp;by&nbsp;law,&nbsp;such&nbsp;as&nbsp;for&nbsp;example&nbsp;quality&nbsp;control&nbsp;and&nbsp;training&nbsp;for&nbsp;the&nbsp;purposes&nbsp;of&nbsp;marketing&nbsp;and&nbsp;improving&nbsp;the&nbsp;Telecel&nbsp;Cash&nbsp;Services.&nbsp;However,&nbsp;in&nbsp;these&nbsp;situations,&nbsp;Telecel&nbsp;Cash&nbsp;will&nbsp;not&nbsp;disclose&nbsp;information&nbsp;that&nbsp;could&nbsp;be&nbsp;used&nbsp;to&nbsp;personally&nbsp;identify&nbsp;the&nbsp;Subscriber.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">Telecel&nbsp;Cash&nbsp;does&nbsp;not&nbsp;distribute&nbsp;any&nbsp;of&nbsp;the&nbsp;Subscriber\u2019s&nbsp;personal&nbsp;information&nbsp;to&nbsp;third&nbsp;parties,&nbsp;unless&nbsp;it\u2019s&nbsp;required&nbsp;to&nbsp;deliver&nbsp;the&nbsp;products&nbsp;or&nbsp;services&nbsp;requested&nbsp;by&nbsp;the&nbsp;Subscriber.&nbsp;In&nbsp;addition,&nbsp;for&nbsp;example,&nbsp;Telecel&nbsp;Cash&nbsp;may&nbsp;disclose&nbsp;the&nbsp;Subscriber\u2019s&nbsp;data&nbsp;to&nbsp;a&nbsp;company&nbsp;to&nbsp;obtain&nbsp;payment&nbsp;for&nbsp;a&nbsp;purchase&nbsp;the&nbsp;Subscriber&nbsp;initiated.&nbsp;It&nbsp;may&nbsp;also&nbsp;be&nbsp;necessary&nbsp;to&nbsp;pass&nbsp;on&nbsp;the&nbsp;Subscriber\u2019s&nbsp;data&nbsp;to&nbsp;a&nbsp;supplier&nbsp;who&nbsp;will&nbsp;deliver&nbsp;the&nbsp;product&nbsp;on&nbsp;order.&nbsp;In&nbsp;addition,&nbsp;Telecel&nbsp;Cash&nbsp;may&nbsp;be&nbsp;obligated&nbsp;to&nbsp;disclose&nbsp;personal&nbsp;information&nbsp;to&nbsp;meet&nbsp;any&nbsp;legal&nbsp;or&nbsp;regulatory&nbsp;requirements&nbsp;of&nbsp;applicable&nbsp;laws.&nbsp;Telecel&nbsp;Cash&nbsp;will&nbsp;not&nbsp;share&nbsp;or&nbsp;disclose&nbsp;personal&nbsp;information&nbsp;to&nbsp;third&nbsp;parties&nbsp;unless&nbsp;the&nbsp;Subscriber&nbsp;has&nbsp;given&nbsp;permission&nbsp;to&nbsp;do&nbsp;so.<\/span><\/li><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">Telecel&nbsp;has&nbsp;implemented&nbsp;technology,&nbsp;policies&nbsp;and&nbsp;processes&nbsp;aimed&nbsp;at&nbsp;protecting&nbsp;the&nbsp;confidentiality,&nbsp;integrity&nbsp;and&nbsp;availability&nbsp;of&nbsp;the&nbsp;Subscriber\u2019s&nbsp;personal&nbsp;information.&nbsp;Telecel&nbsp;will&nbsp;update&nbsp;and&nbsp;refine&nbsp;these&nbsp;measures&nbsp;on&nbsp;an&nbsp;on-going&nbsp;basis.&nbsp;Please&nbsp;note&nbsp;that&nbsp;Telecel&nbsp;cannot&nbsp;be&nbsp;responsible&nbsp;for&nbsp;the&nbsp;privacy&nbsp;policies&nbsp;and&nbsp;practices&nbsp;of&nbsp;other&nbsp;Telecel&nbsp;websites&nbsp;the&nbsp;Subscriber&nbsp;may&nbsp;access&nbsp;using&nbsp;links&nbsp;from&nbsp;this&nbsp;Telecel&nbsp;website.&nbsp;Telecel&nbsp;recommend&nbsp;that&nbsp;the&nbsp;Subscriber&nbsp;check&nbsp;the&nbsp;policy&nbsp;of&nbsp;each&nbsp;site&nbsp;the&nbsp;Subscriber&nbsp;visit&nbsp;and&nbsp;that&nbsp;the&nbsp;Subscriber&nbsp;contact&nbsp;that&nbsp;specific&nbsp;organisation&nbsp;if&nbsp;the&nbsp;Subscriber&nbsp;has&nbsp;any&nbsp;concerns&nbsp;or&nbsp;questions.&nbsp;Please&nbsp;be&nbsp;aware&nbsp;that&nbsp;Internet&nbsp;communications&nbsp;are&nbsp;inherently&nbsp;insecure&nbsp;unless&nbsp;they&nbsp;have&nbsp;been&nbsp;encrypted.&nbsp;The&nbsp;Subscriber\u2019s&nbsp;communications&nbsp;may&nbsp;be&nbsp;routed&nbsp;through&nbsp;any&nbsp;number&nbsp;of&nbsp;countries&nbsp;before&nbsp;reaching&nbsp;our&nbsp;Telecel&nbsp;website.&nbsp;Telecel&nbsp;therefore&nbsp;assumes&nbsp;no&nbsp;responsibility&nbsp;or&nbsp;liability&nbsp;of&nbsp;any&nbsp;nature&nbsp;whatsoever&nbsp;for&nbsp;the&nbsp;interception&nbsp;or&nbsp;loss&nbsp;of&nbsp;personal&nbsp;information&nbsp;beyond&nbsp;our&nbsp;control.<\/span><\/li><\/ul><\/li><\/ul><p><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">&nbsp;<\/span><\/p><p><strong style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">THE&nbsp;USE&nbsp;OF&nbsp;COOKIES<\/strong><\/p><ul><li><ul><li><span style=\"color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);\">Telecel&nbsp;may&nbsp;store&nbsp;some&nbsp;information&nbsp;(commonly&nbsp;known&nbsp;as&nbsp;a&nbsp;\u201ccookie\u201d)&nbsp;on&nbsp;the&nbsp;Subscriber\u2019s&nbsp;computer&nbsp;when&nbsp;the&nbsp;Subscriber&nbsp;visit&nbsp;our&nbsp;Telecel&nbsp;website.&nbsp;This&nbsp;enables&nbsp;Telecel&nbsp;to&nbsp;recognize&nbsp;The&nbsp;Subscriber&nbsp;during&nbsp;subsequent&nbsp;visits.&nbsp;The&nbsp;type&nbsp;of&nbsp;information&nbsp;gathered&nbsp;is&nbsp;non-personal&nbsp;(such&nbsp;as:&nbsp;the&nbsp;IP&nbsp;address&nbsp;of&nbsp;the&nbsp;Subscriber\u2019s&nbsp;computer,&nbsp;the&nbsp;date&nbsp;and&nbsp;time&nbsp;of&nbsp;the&nbsp;Subscriber\u2019s&nbsp;visit,&nbsp;which&nbsp;pages&nbsp;the&nbsp;Subscriber&nbsp;browsed&nbsp;and&nbsp;whether&nbsp;the&nbsp;pages&nbsp;have&nbsp;been&nbsp;delivered&nbsp;successfully.&nbsp;Apart&nbsp;from&nbsp;merely&nbsp;establishing&nbsp;basic&nbsp;connectivity&nbsp;and&nbsp;communications,&nbsp;Telecel&nbsp;may&nbsp;also&nbsp;use&nbsp;this&nbsp;data&nbsp;in&nbsp;aggregate&nbsp;form&nbsp;to&nbsp;develop&nbsp;customized&nbsp;services&nbsp;\u2013&nbsp;tailored&nbsp;to&nbsp;the&nbsp;Subscriber\u2019s&nbsp;individual&nbsp;interests&nbsp;and&nbsp;needs.&nbsp;Should&nbsp;the&nbsp;Subscriber&nbsp;choose&nbsp;to&nbsp;do&nbsp;so,&nbsp;it&nbsp;is&nbsp;possible&nbsp;(depending&nbsp;on&nbsp;the&nbsp;browser&nbsp;the&nbsp;Subscriber&nbsp;is&nbsp;using),&nbsp;to&nbsp;be&nbsp;prompted&nbsp;before&nbsp;accepting&nbsp;any&nbsp;cookies,&nbsp;or&nbsp;to&nbsp;prevent&nbsp;the&nbsp;Subscriber\u2019s&nbsp;browser&nbsp;from&nbsp;accepting&nbsp;any&nbsp;cookies&nbsp;at&nbsp;all.&nbsp;This&nbsp;will&nbsp;however&nbsp;cause&nbsp;certain&nbsp;features&nbsp;of&nbsp;the&nbsp;Telecel&nbsp;website&nbsp;not&nbsp;to&nbsp;be&nbsp;accessible.<\/span><\/li><\/ul><\/li><\/ul>","version":"1","status":"published","category_id":1,"updated_at":"2026-06-05T12:17:19.000000Z","category":{"id":1,"name":"Telecel Cash","slug":"telecel-cash","updated_at":"2025-11-05T07:05:18.000000Z"}}}