CediCash Terms and Conditions

These Terms and Conditions govern access to and use of the CediCash platform, including participation in any game, raffle, draw, campaign, or promotional activity made available through CediCash unless a separate or supplemental game-specific rules document applies.

By creating an account, registering for a campaign, purchasing a ticket, entering a draw, submitting information, or otherwise using the platform, the user agrees to be bound by these Terms and Conditions, the applicable campaign rules, the Privacy Policy, and any other policies validly published by CediCash.

CediCash will publish these Terms and Conditions only in the name of its actual legal operating entity.

CediCash is intended to operate as a digital promotional platform through which users may discover, register for, participate in, and track prize-led campaigns, draws, raffles, or similar game-of-chance or promotion-related activities, subject to applicable law and approved campaign rules.

Some campaigns may be operated directly by CediCash, while others may be operated in partnership with sponsors, merchants, or brand partners. Each campaign will identify the relevant operator, sponsor, or participating partner where necessary.

Campaign-specific rules may address matters such as ticket price, group structure, purchase limits, prize structure, eligibility, draw date, claim timelines, verification requirements, charity mechanisms, and campaign duration.

• Participation is open only to persons legally permitted to participate in the applicable activity under the laws and regulations of Ghana.
• Unless a stricter campaign rule applies, participants must be at least 18 years old.
• CediCash may require valid government-issued identification, age evidence, identity verification, or KYC documentation before allowing participation, payout, or continued use.
• CediCash may refuse, suspend, restrict, or terminate participation where a person is underage, provides false information, fails verification, is prohibited by law, or is reasonably suspected of fraud or unlawful conduct.
• Persons involved in the administration, technical management, auditing, supervision, or regulatory oversight of a campaign may be excluded where required by law, regulation, conflict-of-interest policy, or fair-operation controls.

Users may be required to register for an account, join a campaign, or register into a specific group before purchasing tickets or otherwise participating in a campaign.

Each ticket, entry, or participation unit will be treated as valid only if purchased or issued through an authorized CediCash channel, fully recorded in the official system, and confirmed in accordance with the applicable campaign rules.

Payments for tickets or campaign participation may be made only through approved payment channels identified by CediCash. A ticket or entry is not valid unless the applicable payment has been successfully received and confirmed.

Where a campaign includes a draw or random-selection process, CediCash will conduct the draw according to the published campaign rules, applicable approvals, and internal controls designed to support fairness, integrity, traceability, and audit readiness.

Users must not misuse the platform or interfere with the fair operation of any campaign. Prohibited conduct will include, at minimum:

• using false, misleading, or stolen identity details;
• attempting to manipulate, automate, hack, or unfairly influence ticketing, draws, or outcome systems;
• money laundering, payment abuse, collusion, or fraudulent claims;
• harassment, abuse, or unlawful conduct directed at staff, partners, or other users;
• reselling, transferring, or exploiting accounts, tickets, or prize claims in a way prohibited by campaign rules or law.

CediCash may suspend, restrict, void, or terminate access or participation where it reasonably believes a user has breached these Terms, campaign rules, or applicable law.

CediCash may implement age checks, identity verification, transaction monitoring, anti-money-laundering procedures, source-of-funds checks, fraud reviews, and related controls as necessary to comply with law, permit conditions, or internal risk policy.

CediCash may delay, suspend, or refuse participation, payout, refund, or account access where further checks are reasonably required. CediCash may also cooperate with regulators, law-enforcement, courts, payment institutions, and authorized investigators where required or reasonably appropriate under law.

Where a regulatory or legal requirement conflicts with a term in this document, the legal or regulatory requirement will prevail and CediCash may amend or apply the affected provision accordingly.

CediCash will use reasonable care in operating the platform, but it cannot guarantee uninterrupted availability, error-free technical performance, or freedom from delays caused by third-party providers, infrastructure failures, payment disruptions, regulatory interventions, or force-majeure events.

To the extent permitted by law, CediCash will limit its liability for indirect, incidental, speculative, or consequential losses. Nothing in these Terms will exclude liability that cannot lawfully be excluded.

CediCash may modify, suspend, postpone, or discontinue a campaign or service where required by law, compliance necessity, technical integrity, fraud risk, or operational safety, provided the business communicates material changes responsibly and handles user rights according to law and the applicable campaign rules.

CediCash processes personal information in accordance with its Privacy Policy, applicable law, and internal compliance procedures. By using the platform, the user acknowledges that CediCash may need to process personal information for registration, campaign administration, verification, support, prize fulfillment, fraud prevention, and legal or regulatory obligations.

CediCash may send transactional and operational messages required to administer accounts, campaigns, draws, prize claims, policy updates, or support issues. Marketing communications will be managed in accordance with the platform's lawful-basis and consent framework.

The Privacy Policy will be read together with these Terms and any campaign-specific rules.

These Terms and Conditions will be governed by the laws of the Republic of Ghana unless a specific mandatory legal rule requires otherwise. CediCash will identify the forum, process, or escalation method it intends to use for complaints, disputes, and formal notices.

CediCash may update these Terms and Conditions from time to time. Material changes will be published clearly, and where appropriate, users will be notified before the revised terms take effect.