TERMS AND CONDITIONS
Dinpa Technologies LTD (“Dinpa”) (“we”, “us”, “our”) is the owner and service provider of the Dinpa website and
mobile application (the “Ecommerce Platforms”), which constitute an online marketplace that allows buyers and
merchants (“Users”) to offer, sell and purchase goods and services. Dinpa, through the Ecommerce Platforms, only
facilitates payment for the transactions undertaken between Users on the Ecommerce Platforms and is not a party
to the actual contract between the Users.
We are a limited liability company duly incorporated under the laws of the Republic of Ghana with our registered
address at 9-12 Dadeban Road, North Industrial Area-Accra North.
These terms and conditions (“Terms and Conditions”) apply to the activities of Users on the marketplace and your
use of our Ecommerce Platforms. By accessing our Ecommerce Platforms, you confirm your understanding of
these Terms and Conditions. You also confirm your legal intention to be bound by and comply with these Terms
and Conditions. In that regard, you are contractually bound to comply with these Terms and Conditions. Please
read our Terms and Conditions carefully and ensure that you follow all instructions regarding the use of our
services. If you do not agree to these Terms and Conditions, you must not use our Ecommerce Platforms.
We reserve the right to change, modify, add, or remove portions of these Terms and Conditions at any time.
Changes will be effective when posted on our Ecommerce Platforms with no other notice provided. Please check
these Terms and Conditions regularly for updates. Your continued use of our Ecommerce Platforms following the
posting of changes to these Terms and Conditions constitutes your acceptance of those changes.
We grant you a non-transferable and revocable licence to use our Ecommerce Platforms, under the Terms and
Conditions, for the purpose of shopping for goods advertised on our Ecommerce Platforms or subscribing for
services, provided that you are either at least eighteen (18) years of age or are accessing our Ecommerce Platforms
under the supervision of your parent or legal guardian.
Use of our Ecommerce Platforms commercially is prohibited, unless expressly permitted by us in advance. You
must ensure that when you access any service on our Ecommerce Platforms on behalf of another person or
corporate entity, you obtain the requisite permissions or authorisations. You confirm that you have obtained any
requisite permissions or authorisations and agree to be bound by the Terms and Conditions. Any breach of these
Terms and Conditions shall result in the immediate revocation of the licence granted in this paragraph without
notice to you.
Content provided on our Ecommerce Platforms is solely for informational purposes. Product representations
expressed on our Ecommerce Platforms are those of the merchants and not Dinpa. Submissions, reviews or
opinions expressed on our Ecommerce Platforms are those of the individuals posting such content and may not
reflect our opinions.
We will endeavour to provide accurate pricing information on our Ecommerce Platforms to our Users, however,
errors may still occur, such as instances where the price of an item is not displayed correctly on our Ecommerce
Platforms. If an item is mispriced, we may, at our own discretion, contact you for further instructions.
We shall not be responsible or liable, directly or indirectly, in any way for any loss or damage of any kind incurred
because of, or in connection with your failure to comply with these Terms and Conditions.
You may only register to use our online marketplace if you are at least eighteen (18) years old or are accessing
our Ecommerce Platforms under the supervision of your parent or legal guardian if you are under eighteen (18)
years old. By using our online marketplace and/or agreeing to these Terms and Conditions, you warrant and
represent to us that you are at least eighteen (18) years old or are accessing our Ecommerce Platforms under the
supervision of your parent or legal guardian if you are under eighteen (18) years old.
You may register for an account on our Ecommerce Platforms by completing and submitting the requisite form.
You represent and warrant that all information you provide for the registration is complete and accurate.
During your account registration, you will be asked to provide an email address/user ID and password and you
agree to:
• keep your password confidential;
• use a strong password;
• notify us in writing immediately (using our contact details provided under the heading ‘Contact Us’ in these
Terms and Conditions) if you become aware of any disclosure of your password or unauthorised use of
your account; and
• be responsible for any activity on our marketplace due to failure to keep your password confidential, and
that you may be held liable for any losses arising out of such a failure or the fraudulent use of your account.
You shall use your account exclusively and you shall not transfer your account to any third party. If you authorise
any third party to manage your account on your behalf, this shall be at your own risk.
Every User of our Ecommerce Platforms shall be solely responsible for keeping passwords and other account
identifiers secure. The account owner shall be responsible for all activities that occur using such password or
account.
We may suspend or cancel your account, at any time in our sole discretion and without notice or explanation, for a
breach of these Terms and Conditions.
You may cancel your account on our online marketplace by contacting us using our contact details provided under
the heading ‘Contact Us’ in these Terms and Conditions.
You agree that we may send you non-transactional and commercial information relating to relevant goods and
services that may be of interest to you.
OPTING OUT
If you no longer wish to receive non-transactional/advertising or special promotions from us through e-mail
announcements, notifications, text messages and other channels, kindly send an email to our customer care
representative at [email protected] requesting for your contact information to be deleted from our
marketing/advertising list or by clicking on the unsubscribe
Our obligation to you ends when we facilitate the transfer of your money to the relevant merchant who will be
responsible for providing you with the goods/services requested. We will however provide you with an update of
your delivery status on our Ecommerce Platforms. We do not make a representation that the goods or services
that you pay for using our Ecommerce Platforms will be provided within the timeline specified by the relevant
merchant, that the merchant has the requisite title to the goods or capacity to provide the service or will satisfy the
specification(s) communicated to you by the relevant merchant. If you need to process a refund of payments made,
please contact us by following the process provided in our Refund Policy available
You agree not to use our Ecommerce Platforms in a manner that will prevent other users from using this service,
including without limitation, damaging or disabling any server from or on which this service operates. You agree
not to attempt to give any false, incomplete or inaccurate information for purposes of a transaction on our
Ecommerce Platforms. You agree not to use this service for fraudulent or unlawful purposes including, without
limitation, engaging in “data scraping” or “screen scraping” to obtain proprietary information.
ACCESS RESTRICTIONS
Access to certain parts of our Ecommerce Platforms may be restricted. We have the sole right and reserve the
right to restrict your access to certain areas of our Ecommerce Platforms. You agree not to access or attempt to
access restricted areas reserved for administrative purposes, and secured or non-public areas on our Ecommerce
Platforms. You understand that you may be subject to prosecution should you attempt to access prohibited areas
of our Ecommerce Platforms.
Group Purchases
With group purchases, a group, be it family and/or friends may subscribe to make purchases. An administrator
shall create the ‘group purchase’ and send an invite to each participant’s email address. All the participants in a
group must approve their invites within 24 hours of the subscription. If a participant fails to accept the invite, the
administrator can replace the person or the whole package would be cancelled. Only an administrator may change
participants in a group. If all the participants approve the invite within the specified time, they must make payment
within 24 hours from the approval of invites. Failure of all participants to approve the invite or make payment within
the specified timeframe will render the subscription invalid and the terms of the payment section under these Terms
and Conditions will apply.
You agree to provide accurate and complete information about yourself, and to promptly update such information
following any changes if you subscribe for the group purchases.
You may subscribe to the group purchases by completing and submitting the relevant form on our Ecommerce
Platforms. You represent and warrant that all information you provide in connection with a subscription to an
additional feature is complete and accurate. We reserve the right to accept or refuse your subscription and will
conduct all relevant checks to verify the information you provide before making our decision.
We shall not be responsible or liable, directly or indirectly, in any way for any loss or damage of any kind incurred
because of, or in connection with, your failure to comply with this section.
You acknowledge and agree that:
• our Ecommerce Platforms provide an online marketplace for Users to offer, sell and purchase goods or
services;
• we shall accept binding sales, on behalf of merchants, but we are not a party to the transaction between
the Users;
• a contract for the sale and purchase of goods or services will be concluded between the Users, and you
commit to buying or selling the relevant goods or services, upon the buyer’s confirmation of purchase or
merchant’s confirmation of sale, as the case may be, via our Ecommerce Platforms;
• we shall not be responsible for delivery of the goods or services. Delivery of goods or services is the sole
responsibility of the merchant; and
• any defect with the goods or issues with the services delivered shall be settled between the Users.
We do not guarantee the quality of the goods or services purchased. The merchants shall have the sole
responsibility to ensure the quality of the goods or services.
Subject to these Terms and Conditions, the merchant’s terms of service shall govern the contract for sale and
purchase between the Users. Notwithstanding this, the following provisions will be incorporated into the contract of
sale and purchase between the Users:
• sufficient description of the goods or services to be provided by the merchant to enable the buyer make
an informed decision;
• the price for goods or services will be as stated in the relevant product listing;
• the price for each product will be quoted in Ghana Cedis;
• the price of the goods or service must include all taxes as applicable and comply with applicable laws;
• the manner of payment and whether or not instalment payment applies;
• any delivery charges, packaging charges, handling charges, administrative charges, insurance costs, and
other charges, will only be payable by the buyer if this is expressly and clearly stated in the product listing;
• goods supplied must be of satisfactory quality, fit and safe for any purposes advertised, and conform in
all material respects to, the description of the goods supplied or made available by the merchant to the
buyer; and
• the merchant warrants that it has good title to, and is the sole legal and beneficial owner of, the goods
advertised for sale, and that the goods are not subject to any third-party rights or restrictions including
third party intellectual property rights and/or any criminal, insolvency or tax investigation or proceedings.
All Users on our Ecommerce Platforms agree to be bound by and comply with all relevant legal requirements under
the Electronic Transactions Act, 2008 (Act 772) and all other relevant laws in their engagements on our Ecommerce
Platforms.
The Ecommerce Platforms offer customer reviews of the Ecommerce Platforms and the services or goods available
on it. Anything that you submit on our Ecommerce Platforms and/or provide to us, including but not limited to,
questions, reviews, comments, and suggestions (collectively, “Submissions”) shall be our sole and exclusive
property and shall not be returned to you. In addition to the rights applicable to any Submission, when you post
comments or reviews to our Ecommerce Platforms, you also grant us the right to use the name that you submit, in
connection with such review, comment, or other content. You shall not use a false e-mail address, pretend to be
someone other than yourself or otherwise mislead us or third parties regarding the origin of any Submissions. You
shall ensure that any content that you post to our Ecommerce Platforms is not infringing or defamatory. We may,
but shall not be obligated to, remove or edit any Submissions.
Our Ecommerce Platforms facilitate payment for goods and services sold on our Ecommerce Platforms.
You must pay the full purchase price before accessing or receiving the goods or services purchased on our
Ecommerce Platforms. Payments on our Ecommerce Platforms shall be done using the methods provided on our
Ecommerce Platforms. These payment methods include mobile money and card payments.
If you pay for a good or service that is later found to be out of stock or unavailable, you will obtain a refund in line
with our Refund Policy available here.
You can pay by either using a valid credit or debit card or mobile money. To avoid any fraud with credit or debit
cards, we reserve the right to obtain validation of your payment details before approving your payment transaction
and to verify the personal information you provide us. This verification can take the form of an identity, place of
residence or banking information check. The absence of an answer following such a demand will automatically
cause the cancellation of the order within two (2) days. We reserve the right to proceed to direct cancellation of an
order for which we suspect a risk of fraudulent use of credit or debit card or mobile money account.
Payment Options
As a customer/buyer, you may choose to pay using any of the following payment options:
(a) Pay at once: You can choose to pay the full purchase price, using a debit or credit card or mobile money.
(b) Pre-pay in instalments: You may decide to pay the price for goods / services in instalments. The payment
plan would be agreed between the Users. If the buyer misses an instalment payment, it shall not result in
a cancellation, provided however that full payment is made by the last date for payment of the full purchase
price agreed between the Users.
In a group purchase, where the group fails to pay the full amount (i.e. where a participant of a group purchase fails
to pay his/her share of the group purchase), we will charge 8% of the money already paid as processing fee. As
an example, if participant X fails to pay his portion of the group purchase, but participant Y pays his portion, we will
refund the amount paid by participant Y minus the 8% charge.
You acknowledge and agree that with the pre-payment in instalments option, a transaction on our Ecommerce
Platforms may be cancelled for the following reasons:
(a) failure of the buyer to pay the full purchase price as agreed in which case the buyer will be charged 8%
of the money paid as processing fee; and
(b) failure of a group (in a group purchase in instalment) to pay the full amount of the group purchase by the
last date for payment of the full purchase price (i.e. where a participant of a group purchase fails to pay
his/her share of the group purchase). In such instance, we will charge 8% of the money already paid as
processing fee. As an example, if participant X fails to pay his portion of the group purchase in instalment
but participant Y pays his portion, on failure of the group to pay the full amount by the stipulated time, we
will refund the amount paid by participant Y minus the 8% charge.
Where we charge a processing fee for cancellation of a transaction, we will refund the remainder of the amount
paid to the buyer through the same medium used in paying the purchase price for the goods or services.
When you, a buyer cancels your subscription for any goods or services on our Ecommerce Platforms, you will be
charged 8% of the money paid as a processing fee
Returns and Refunds are regulated by our Refunds Policy.
To the best of our ability, we will, in our dealings with all Users on our Ecommerce Platforms, comply with our
obligations under all relevant legislation including but not limited to the Electronic Transactions Act, 2008 (Act 772),
the Payment Systems and Services Act, 2019 (Act 987), the Cybersecurity Act, 2020 (Act 1038) and the AntiMoney Laundering Act, 2020 (1044).
You acknowledge that:
• we do not confirm the identity of all Users, check their credit worthiness, or vet them;
• we do not check, audit or monitor all information contained in listings;
• we are not party to any contract for the sale or purchase of goods or services advertised on the
marketplace;
• we are not involved in any transaction between the Users, save that we provide a marketplace for Users
and process payments on behalf of merchants;
• we are not the agents for any User, and accordingly we will not be liable to any person for the offer for
sale, sale or purchase of any goods advertised on our online marketplace or for the offer of any advertised
services; furthermore we are not responsible for the enforcement of any contractual obligations arising
out of a contract entered into by the Users and will have no obligation to mediate between the parties to
any such contract.
We do not warrant or represent:
• the completeness or accuracy of the information published on our Ecommerce Platforms;
• that the material on our Ecommerce Platforms is up to date;
• that our Ecommerce Platforms will operate without fault; or
• that our Ecommerce Platforms or any service on our Ecommerce Platforms will remain available at all
times.
We reserve the right to discontinue or alter any or all of our online marketplace services, and to stop hosting our
online marketplace, at any time in our sole discretion without notice or explanation; and you will not be entitled to
any compensation or other payment upon the discontinuance or alteration of any online marketplace services, or
if we stop hosting our Ecommerce Platforms.
We do not guarantee any commercial results concerning the use of our Ecommerce Platform.
To the maximum extent permitted by applicable law and subject to the provisions on Limitation of Liability in these
Terms and Conditions, we exclude all representations and warranties relating to our Ecommerce Platforms and
our provision of the service.
We have, using reasonable endeavours, taken great care to ensure that the information available on our
Ecommerce Platforms is correct and error free. We apologise for any errors or omissions that we might publish on
our Ecommerce Platforms. We cannot warrant that use of our Ecommerce Platforms will be error free or fit for
purpose. We will endeavour to correct such errors in a timely and effective manner. We do not warrant that our
Ecommerce Platforms or the server that makes our Ecommerce Platforms available is free of viruses or bugs or
represents the full functionality, accuracy, reliability of our Ecommerce Platforms and we do not make any warranty
whatsoever, whether express or implied, relating to fitness for purpose, or accuracy.
By accepting these Terms and Conditions, you agree to relieve us from any liability whatsoever arising from your
use of information from any User, your use of any third party website, or your purchase of any good or service from
a merchant on our Ecommerce Platforms.
We disclaim any and all liability to you for the purchase and delivery of goods and services to the fullest extent
permissible under applicable law. This does not affect your statutory rights as a consumer. If we are found liable
for any loss or damage to you, such liability is limited to the amount you have paid for the relevant good or service.
We cannot accept any liability for any loss, damage or expense, including any direct or indirect loss such as loss
of profits to you, howsoever arising. This limitation of liability does not apply to personal injury or death arising as
a direct result of our negligence.
We do not accept any liability for any delays, failures, errors or omissions or loss of transmitted information, viruses
or other contamination or destructive properties transmitted to you or your computer system via our Ecommerce
Platforms.
We shall not be held liable for any failure or delay in the performance of services or delivery of goods where such
failure arises because of any act or omission of the merchant or where the failure is because of any matter outside
our reasonable control such as all overwhelming and unpreventable events caused directly and exclusively by
forces of nature that can be neither anticipated, nor controlled, nor prevented by the exercise of prudence, diligence,
and care, including but not limited to: war, riot, civil commotion, pandemic, compliance with any law or governmental
order, rule, regulation or direction and / or acts of third parties.
We do not accept liability for any indirect loss, consequential loss, loss of data, loss of income or profit, loss of /
damage to property and / or loss from claims of third parties arising out of the use of our Ecommerce Platforms or
for any goods or services purchased through our Ecommerce Platforms.
We have taken all reasonable steps to prevent Internet fraud and ensure any data collected from you is stored as
securely and safely as possible. However, we cannot be held liable in the extremely unlikely event of a breach in
our secure computer servers or those of third parties.
In the event that we have a reasonable belief that there exists an abuse of our Ecommerce Platforms or in
suspected instances of fraud, money laundering or any related activity, we may cause the User to be blocked
immediately and reserve the right to refuse future service, the right to seek compensation from any and all violators
and the right to take any other action we consider necessary
You hereby agree to indemnify us, and undertake to keep us indemnified, against:
• any and all losses, damages, costs, liabilities and expenses (including without limitation legal expenses
and any amounts paid by us to any third party in settlement of a claim or dispute) incurred or suffered by
us and arising directly or indirectly out of your use of our Ecommerce Platforms or any breach by you of
any provision of these Terms and Conditions and related policies; and
• any value added tax (VAT) liability or other tax liability that we may incur in relation to any sale, supply or
purchase made through our Ecommerce Platforms, where that liability arises out of your failure to pay,
withhold, declare or register to pay any VAT or other tax properly due in any jurisdiction.
We accept that we have an interest in limiting the personal liability of our officers and employees and, having regard
to that interest, you acknowledge that we are a limited liability entity. You agree that you will not bring any claim
personally against our officers or employees for any losses you suffer in connection with the online marketplace or
these Terms and Conditions.
Our Ecommerce Platforms include hyperlinks to other websites owned and operated by third parties; such
hyperlinks are not recommendations. We have no control over third party websites and their contents, and we
accept no responsibility for them or for any loss or damage that may arise from your use of third-party websites.
All intellectual property rights, whether registered or unregistered, in our Ecommerce Platforms, information content
on our Ecommerce Platforms and all the designs, including, but not limited to text, graphics, software, photos,
video, music, sound, and their selection and arrangement, and all software compilations, underlying source code
and software shall remain our property.
The entire contents of our Ecommerce Platforms are also protected by copyright as a collective work under
Ghanaian copyright laws and international conventions. All rights are reserved.
Our logos and our other registered and unregistered trademarks are trademarks belonging to us; we give no
permission for the use of these trademarks, and such use may constitute an infringement of our rights.
The third party registered and unregistered trademarks or service marks on our Ecommerce Platforms are the
property of their respective owners and we do not endorse and are not affiliated with any of the holders of any such
rights and as such we cannot grant any licence to exercise such rights.
We collect your personal data to enable us provide you with our services. We have a Privacy Policy which explains
how we collect, process, store and protect your personal data when you use our services. You can find our Privacy
Policy here. Please read our Privacy Policy carefully. We will process your personal data and any personal data
you provide to us according to our Privacy Policy, the Data Protection Act, 2012 (Act 843) and any applicable data
protection law. By using our Ecommerce Platforms, you agree that we can process your data according to our
Privacy Policy.
In addition to any other legal or equitable remedies, we may, without prior notice to you, immediately terminate
these Terms and Conditions or revoke any or all of your rights granted under the Terms and Conditions.
Upon any termination of these Terms and Conditions, you shall immediately cease all access to, and use of our
Ecommerce Platforms and we shall, in addition to any other legal or equitable remedies, immediately revoke all
password(s) and account identification issued to you and deny your access to and use of our Ecommerce Platforms
in whole or in part.
Any termination of these Terms and Conditions shall not affect the respective rights and obligations (including
without limitation, payment obligations) of the parties arising before the date of termination. You furthermore agree
that we shall not be liable to you or to any other person for any such suspension or termination.
If you are dissatisfied with our Ecommerce Platforms or with any terms, conditions, rules, policies, guidelines, or
our practices in operating our Ecommerce Platforms, your sole and exclusive remedy is to discontinue using our
Ecommerce Platforms.
If you breach or are suspected to have breached these Terms and Conditions and related policies in any way, we
will take all lawful actions we think necessary and proper against you for the breach.
You must wholly comply with and submit to the action taken by us because of your breach. You must not take any
action that will circumvent, undermine or seek to circumvent or undermine the effect of any action taken because
of your breach.
Entire Agreement
These Terms and Conditions and related policies shall constitute the entire agreement between you and us relating
to your use of our Ecommerce Platforms and shall supersede all previous agreements between you and us relating
to your use of our Ecommerce Platforms.
All dealings, correspondence and contacts between you and us shall be made or conducted in the English
language.
Variation
We may revise these Terms and Conditions and any related policies and guidelines from time to time. The
variations made shall take effect from the date of publication on our Ecommerce Platforms.
Severability
If any term or condition of our agreement shall be deemed invalid, illegal or unenforceable, the parties hereby agree
that such term or condition shall be deemed to be deleted and the remainder of the agreement shall continue in
force without such term or condition.
Assignment
You hereby agree that we may assign, transfer, sub-contract or otherwise deal with our rights and / or obligations
under these Terms and Conditions.
You may not without our prior written consent assign, transfer, sub-contract or otherwise deal with any of your
rights and / or obligations under these Terms and Conditions.
Third Party Rights
The agreement under these Terms and Conditions is for our benefit and your benefit, and is not intended to benefit
or be enforceable by any third party.
The exercise of the parties’ rights under these Terms and Conditions is not subject to the consent of any third party.
Applicable Law and Jurisdiction
These Terms and Conditions shall be governed by and construed in accordance with the laws of the Republic of
Ghana. The parties hereto submit to the exclusive jurisdiction of the courts of Ghana.
Communication
You agree to receive all agreements, notices, disclosures and other communications electronically including by
email, push notification, pop-up or text.
Please direct all questions and enquiries to the address and telephone numbers provided below:
Call us on: 0241301070
Email us on: [email protected]
PRIVACY POLICY
The data collected may be used for providing the payment service that you have requested, data verification during
your transactions on the payment channels, administration of our Ecommerce Platforms, collecting payments from you,
sending you marketing information from online merchants you have visited or merchants which sell the products or
offer the services you frequently patronise. The information collected may be used for analytical and statistical purposes
to provide additional information to enhance your use of our service and provide better services to you. The results of
such research or statistics will not be made available in a form that will identify you. We shall ensure that your personal
data is kept securely and protected from unlawful access. We shall ensure that we process your personal data in
compliance with applicable data protection rules.
By using our Ecommerce Platforms, you have consented to our Privacy Policy and confirm that you have the legal
capacity to give consent.
You acknowledge and agree that we may share your data with the merchant from whom you make your purchases.
You acknowledge and agree that we may use your purchase details for research and statistical purposes, and we
hereby warrant that use and presentation of the research information will not identify you.
You agree that we may send you non-transactional or commercial marketing information on online merchants that you
have visited or online merchants which sell the products that you frequently patronise.
You acknowledge and agree that we may use your information for any or all of the purposes listed in this Privacy Policy.
You agree that any personal data about a third party that you provide to us shall be done with the consent of that
individual and you hereby represent to us that you have obtained all necessary consents for providing such personal
data in accordance with this Privacy Policy.
The data collected may be used for providing the payment service that you have requested, data verification during
your transactions on the payment channels, administration of our Ecommerce Platforms, collecting payments from you,
sending you marketing information from online merchants you have visited or merchants which sell the products or
offer the services you frequently patronise. The information collected may be used for analytical and statistical purposes
to provide additional information to enhance your use of our service and provide better services to you. The results of
such research or statistics will not be made available in a form that will identify you. We shall ensure that your personal
data is kept securely and protected from unlawful access. We shall ensure that we process your personal data in
compliance with applicable data protection rules.
You agree that we may send you non-transactional and commercial information relating to relevant goods and
services that may be of interest to you.
OPTING OUT
If you no longer wish to receive non-transactional/advertising or special promotions from us through e-mail
announcements, notifications, text messages and other channels, kindly send an email to our customer care
representative at [email protected] requesting for your contact information to be deleted from our
marketing/advertising list or by clicking on the unsubscribe
We may share your personal data with relevant entities to help detect and prevent identify theft, fraud and other
potentially illegal acts. We may disclose your personal data if required to do so by law or in the good faith belief that
such disclosure is reasonably necessary to respond to court orders and other legal processes.
We may disclose personal data to law enforcement officers, third-party vendors, contractors and suppliers who perform
services for us or on our behalf and require access to such information to perform that service, or others in the good
faith belief that such disclosure is reasonably necessary to: enforce our Terms and Conditions or Privacy Policy;
respond to claims that an advertisement, post or other content violates the rights of a third party; or protect the rights,
property or personal safety of our users or the general public.
All the data and information collected by us through your use of our Ecommerce Platforms and the Expresspay payment
platform will be processed and/or used in accordance with this Privacy Policy and the laws of the Republic of Ghana.
Unless the law provides otherwise, you have the right:
• to receive information about why and how we collect and handle your personal data.
• to request from us copies of any personal data that we hold on you. We may charge a fee for this service.
• to request that we correct any information you believe is inaccurate and to request us to complete information
you believe is incomplete.
• to request that we delete your personal data.
• to request that we restrict how we process your personal data.
• to object to our processing of your personal data.
You may not be able to use our Ecommerce Platforms if you object to or restrict our processing of personal data about
you or if you ask us to delete your personal data.
Contact us in writing using the information provided under the section titled “Contact Us” if you would like to exercise
any of these rights.
We will retain your information for the purposes listed above for as long as you use our services and for any additional
period that we may be required or permitted by law.
If you provide any personal data to us to enable you access the Expresspay payment service or access any service on
our Ecommerce Platforms, we will take reasonable precautions to secure that information and will only use such
personal data according to the terms of this Privacy Policy. We will adopt appropriate, reasonable, technical and
organisational measures to prevent loss, misuse or unauthorised access of your personal data. We restrict access to
your personal data to our employees, contractors, and agents who need that information for processing. We ensure
that access to the information is subject to strict contractual confidentiality obligations.
You may ask us to delete your details from our marketing/advertising list by writing to us or sending an email to the
Ecommerce Platform administrator at the addresses provided under “Contact Us”.
You may access, download or print the Privacy Policy for future reference.
Our Ecommerce Platforms may contain links to other websites. This Privacy Policy applies only to our Ecommerce
Platforms. If you click through to other websites, you must ensure that you read the privacy policy that applies to that
website.
We reserve the right to modify, change, update or replace this Privacy Policy in whole or in any part at any time. The
current version of the Privacy Policy is always the version that is published on our Ecommerce Platforms. You will be
bound by the contents of the Privacy Policy on the day that you use our Ecommerce Platforms and/or agree to the
Terms and Conditions. You are encouraged to read carefully the Privacy Policy each time you visit our Ecommerce
Platforms.
If you have questions about this Privacy Policy, the information we hold about you, or would like to exercise any of your
data protection rights, please do not hesitate to contact us.
Email us on: [email protected]
Call us on: 0241301070
• Cookies
A cookie is a small file containing a string of characters that is sent to your computer or mobile device.
The cookie allows us to recognise your browser. Cookies may store user preferences and other
information. You can configure your browser or device to refuse all cookies or to indicate when a cookie
is being sent. However, some features or services may not function properly without cookies.
• Data collection technologies
These are technological methods used in collecting information such as crash reports, system activity,
and the date, time, and referrer URL of your request, complaint or feedback. They may include cookies,
flash cookies, device information, server logs and other technologies, pixel tags and web beacons.
• Internet Protocol (IP) address
Every device connected to the Internet is assigned a number known as an IP address. These numbers
are usually assigned in geographic blocks. An IP address can often be used to identify the location from
which a device is connecting to the Internet.
• Metadata
A set of data that describes and gives information about other data.
RETURN AND REFUND POLICY
Thank you for purchasing goods or requesting for services using our website or mobile application (“Ecommerce
Platform”). We are committed to your satisfaction when you make transactions on our Ecommerce Platform.
Subject to applicable law and the terms of this policy, transactions completed on our Ecommerce Platform are final.
Subject to applicable law, Chargebacks and Refunds will be allowed if:
• the transaction was not authorised by the Cardholder or Mobile Money User;
• the transaction amount was not authorised by the Cardholder or Mobile Money User;
• there was an error in the transaction details;
• the Cardholder or Mobile Money User was debited more than once for a particular transaction;
• the transaction was cancelled;
• the transaction was incomplete;
• the goods or services purchased and subsequently provided were misrepresented by the
Merchant;
• the goods arrived damaged/defective;
• the Merchant failed to provide the goods or services purchased to the Customer;
• the goods or services ordered were out of stock or unavailable after full payment.
A Chargeback or Refund request is subject to review.
You, as a Customer may initiate a Refund request from the Ecommerce Platform provider:
• within fourteen (14) days of the supply of the goods without reason, provided you have not
opened or used the goods; or
• within seven (7) days if you received damaged, defective, counterfeit or wrong goods; or
• within seven (7) days of the conclusion of the agreement for the provision of services.
After the above-mentioned period, you would be ineligible to process a request. You would also be
ineligible to process a request after the services have been provided or if the services began with your
consent before the end of the seven (7)-day grace period.
You may request a Chargeback from your Card Issuer or request a Refund from your Mobile Money Issuer
in accordance with the rules of the Card Issuer or Mobile Money Issuer where:
• you did not authorise a transaction and the amount debited should be reversed;
• you did not authorise the transaction amount; or
• you were debited more than once for a particular transaction.
If the payment was made by Card, the Chargeback request must be made through the Ecommerce
Platform provider or to the Card Issuer. If the payment was made by mobile money, the Refund request
must be made through the Ecommerce Platform provider or the Mobile Money Issuer as the case may
be. A request must be supported by relevant facts and accompanied by supporting documentation or
evidence of the transaction. The timeline for response from the Card Issuer or the Mobile Money Issuer
will be in accordance with the rules of the Card Issuer or the Mobile Money Issuer.
The Ecommerce Platform provider reserves the right to review the request and determine whether or not
to process a Refund/Chargeback request.
Requests through the Ecommerce Platform Provider
If the request for Refund is because (a) a transaction was cancelled, (b) the goods or services purchased
were misrepresented by the Merchant, (c) the Merchant failed to provide the goods or services purchased
to the Customer, or (d) of a reason not directly linked to the payment medium, the Refund request must
be made to the Ecommerce Platform provider. The request must be initiated through the Ecommerce
Platform provider’s telephone number, website or email. When a Customer requests a Refund, the
Ecommerce Platform provider will process the request and make a decision within seven (7) days from
the date a request is made. The Ecommerce Platform provider will communicate its decision and reasons
for the decision to the Customer within seven (7) days via email or text message. If the Customer is entitled
to a Refund, the Ecommerce Platform provider will return the funds to the Customer using the same
payment method used by the Customer in making the payment. The timeline for receipt of the Refund
depends on the payment medium used.
If a Merchant is unable to provide the goods or services because of unavailability, the Merchant will
immediately notify the Customer by email or text message. The amount paid by the Customer will be
refunded within seven (7) days after the notification.
A Customer is entitled to cancel a transaction for the purchase of goods within fourteen (14) days after
the date of receipt of the goods, without reason and penalty. If the Customer exercises this right, the
Customer shall pay the cost of returning the goods. The Customer may also cancel a transaction for any
of the reasons provided in paragraph 1.
A Customer is entitled to cancel a transaction for the provision of services within seven (7) days after the
date of the conclusion of the agreement to deliver the services, without reason and without penalty.
A Customer may not cancel a transaction:
(a) for the supply of foodstuffs, beverages or other goods intended for everyday consumption;
(b) for services which began with the Customer’s consent before the end of the seven (7)-day grace
period;
(c) where the goods are; (i) customised, (ii) by reason of their nature cannot be returned e.g. lingerie,
swimwear, underwear and earrings, or (iii) are perishable;
(d) where audio or video recordings or computer software are unsealed by the Customer.
When a Customer cancels a transaction for the purchase of any goods or services on our Ecommerce
Platform, the Customer will be charged 8% of the money paid as a processing fee in accordance with our
Terms and Conditions.
If a Refund request is made, the Refund will be processed after the Merchant receives the goods. Where
the goods are to be returned, the Merchant shall pick up the goods if the goods were delivered to the
Customer. If the Customer picked up the goods from the business premises of the Merchant, the Customer
would have to return the goods to the Merchant’s business premises.
As a Customer, you must keep in mind that the condition of the goods you return to the Merchant is
important. You have to ensure that the goods are repackaged carefully and no parts are missing. If the
goods you return are used, damaged, have missing parts, or are damaged during return shipping because
it is not packaged correctly, the Merchant may deduct from your Refund to cover the loss in the item’s
value or re-deliver the goods to you and a Refund will not be processed.
When the Merchant receives the goods and verifies that it is in good condition, the Refund will be
processed. The Merchant will inform the Customer via email or text message when the item has been
received. The Merchant will, by the same medium notify the Customer when the Refund is made.
The Merchant may replace goods returned or refund the amount paid if the item is out of stock.
Refunds will be made using the same payment medium the Customer used to pay for the goods or service.
Approved Refunds will be processed and paid within seven (7) days of notification of the approval.
“Card” means any valid Visa Card/MasterCard/UnionPay (local or international) issued by any Member Bank
pursuant to licence and in accordance with the Payment Institutions’ Rules that provide access to a credit or debit
account.
“Cardholder” means any person who is issued with a Card and possesses and uses a Card, and where required
on the Card, whose signature appears on the Card as an authorised user.
“Card Association” means a worldwide incorporated body regulating and processing specific brands of Cards,
namely, VISA, VISA International Inc. and MC, MasterCard Inc., or other similar bodies which provide Cards.
“Card Issuer” means the bank that issued the Card.
“Chargeback” means a disputed claim by a Cardholder or Card Issuer to Visa/MasterCard for the reversal of a
transaction presented to an acquiring bank pursuant to the Payment Institutions’ Rules.
“Customer” means the person (whether an individual, company, etc.) that makes purchases of goods or services
using the Ecommerce Platform.
“Ecommerce Platform” means the website and mobile application e-marketplace owned and operated by Dinpa
Technologies LTD which facilitates the sale and purchase of goods and / or services.
“Member Bank” means a financial institution or other entity that has been granted membership in and has become
a member of the Card Association.
“Merchant” means a company in Ghana that sells goods and / or services on the Ecommerce Platform.
“Mobile Money Issuer” means a party licensed by the Bank of Ghana to offer a Payment Method through a
registered Mobile Money Wallet in Ghana.
“Mobile Money User” means the authorised user / owner of a Mobile Money Wallet.
“Mobile Money Wallet” means an electronic wallet held with a Mobile Money Issuer for the conduct of electronic
money transactions.
“Payment Institutions” means the entity or institution offering the relevant Payment Method to the Customer which
includes Card Associations and Mobile Money Issuers as approved and notified by Dinpa to the Merchant from
time to time.
“Payment Institutions Rules” mean the collective set of by-laws, rules, regulations, operating regulations,
procedures and / or waivers issued by the Payment Institutions, as may be amended or supplemented over time,
and with which the Merchant must comply when using the relevant Payment Method.
“Payment Method” means the only accepted methods of paying for goods and / or services on the Ecommerce
Platform by a Customer which includes Cards (open-loop payments), Mobile Money Wallets, online bank transfer
and direct debits offered by banks.
“Refund” means a request by a Mobile Money User to the Ecommerce Platform provider or a Mobile Money Issuer
for the reversal of a transaction based on a claim that the money has been deducted from the wallet of the Mobile
Money User, but the services or goods have not been provided or that the money has erroneously been deducted
or for any of the other reasons provided in paragraph 1.