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Term and Conditions
Refund Policy
ChargeBack Policy
  • Privacy Policy

    We take your privacy seriously, and we want you to know how we collect, use, share and protect your information.

    This Privacy Policy tells you:

    • What information we collect
    • How we use that information
    • How we may share that information
    • How we may share that information
    • How we protect your information
    • Your choices regarding your personal information
    We may post additional information if more details are needed to explain our privacy practices.

    It applies to the expressPay products, website and all related sites, applications, services, platforms and tools regardless of how they are used.


    As a user, you accept this Privacy Policy when you sign up for, access, or use our products, services, content, features, technologies or functions offered on our website and all related sites, applications, and services (collectively referred to as “expressPay Services”).

    This Privacy Policy is intended to govern the use of expressPay Services by users (including, without limitation those who use these expressPay Services in the daily course of their trade, practice or business) unless otherwise agreed through contract.

    We may amend this Privacy Policy at any time by posting a revised version on our webpages. The revised version will become effective as of the published effective date. Furthermore, if any revised version includes a substantial change in terms, users shall be informed via a notice posted on the "Policy Updates" page of our website.


    Information You Give Us

    We receive and may store any information you enter on our websites or provide through our mobile applications. For example, we collect information from you when you create an account, place an order or use any of our services. The information we collect from you includes things like:

    • Your name
    • Your phone number
    • Your e-mail address
    • Your phone number
    • Location information

    We may also collect information from or about you from other sources, such as through your contact with us, including our customer support team, your results when you respond to surveys, your interactions with members of expressPay or other companies (subject to their privacy policies and applicable law), and from other accounts we have reason to believe you control (whether in part or in whole).

    Additionally, for quality and training purposes or for its own protection, expressPay may monitor or record any communications with you or anyone acting on your behalf.

    By communicating with expressPay, you acknowledge that your communication may be overheard, monitored, or recorded without further notice or warning.

    Third Party Sources

    We may also obtain information about you from third parties such as credit bureaus and identity verification services as permitted by law.

    Users may also choose to provide us with access to certain personal information stored by third parties such as social media sites (e.g., Facebook and Twitter). However, the information we may receive varies by site and is controlled by that site. By associating a third party account managed by a third party with your expressPay account and authorizing expressPay to have access to this information, you agree that expressPay may collect, store and use this information in accordance with this Privacy Policy.

    Automatic Information

    Like many other websites, we also collect information through cookies and other automated means. Cookies are commonly used by websites to save data on your computer. The information we collect from cookies may include your IP address, browser and device characteristics, referring URLs, and a record of your interactions with our website. We use cookies to create a more personalized shopping experience on our websites.

    Location Information

    Some of our websites and mobile applications may collect certain information such as the type of mobile device you're using. To allow any application to identify your location, you must enable this functionality through your mobile device's settings to allow the use of technologies such as Wi-Fi, GPS signals, cell tower position, or other technologies. expressPay has no control over your device's settings.


    We use the information we collect for things like:

    • Fulfilling orders and requests for services or information
    • Processing returns, exchanges and layaway requests
    • Tracking and confirming online orders
    • Marketing and advertising products and services
    • Conducting research and analysis
    • Establishing and managing your accounts with us
    • Communicating things like special events, sweepstakes, promotions and surveys
    • Facilitating interactions with expressPay and others, such as enabling you to e-mail a link to a friend
    • Operating, evaluating and improving our business

    Additionally we may contact you via electronic means to notify you regarding your account, to troubleshoot problems with your account, to resolve a dispute, to collect fees or monies owed, to poll your opinions through surveys or questionnaires, or as otherwise necessary to service your account.

    Furthermore, we may contact you to offer coupons, discounts and promotions, and inform you about expressPay Services.

    Finally, we may contact you as necessary to enforce our policies, applicable law, or any agreement we may have with you. When contacting you via phone, to reach you as efficiently as possible we may use, and you consent to receive, autodialled or pre-recorded calls and text messages. Where applicable and permitted by law, you may decline to receive certain communications.

    Data Retention

    We will retain your information for as long as your account is active or as needed to provide our services, comply with our legal obligations, resolve disputes, and enforce our agreement


    expressPay does not sell, rent or trade your personal information to third parties. expressPay may share your information with partner merchants to facilitate delivery of a service. We may share your information with partners to perform services on our behalf such as:

    • Updating customer accounts when a bill is paid
    • Scheduling and performing services
    • Fulfilling subscription services
    • In certain cases, we may be required to share personal information in response to a regulation, court order or subpoena.
    We may also share information when we believe it's necessary to comply with the law. We may also share information to respond to a government request or when we believe disclosure is necessary or appropriate to protect the rights, property or safety of expressPay, our customers, or others; to prevent harm or loss; or in connection with an investigation of suspected or actual unlawful activity.


    expressPay uses reasonable security measures to protect the confidentiality of personal information under our control and appropriately limit access to it. expressPay cannot ensure or warrant the security of any information you transmit to us and you do so at your own risk. We use a variety of information security measures to protect your online transactions with us. Our website uses encryption technology, such as Secure Sockets Layer (SSL), to protect your personal information during data transport. SSL protects information you submit via our websites such as ordering information, including your name, email address and your payment details.


    You may choose to:

    • Update and correct your personal information
    • Cancel your account or request that we no longer use your information to provide you services
    • To do any of these, let us know by one of these methods:
    • Follow the directions in a marketing e-mail or direct mail or mobile communication that you receive from us
    • Call expressPay with your request and current contact information
    • Send an e-mail with your request and current contact information to:
    Send a letter with your request and current contact information to our address.

  • Terms and Conditions

    Welcome to the expressPay website. By using the expressPay website YOU AGREE TO BE BOUND BY ITS CONDITIONS OF USE (explained below), Privacy Policy and all disclaimers and terms and conditions that appear elsewhere on the expressPay website. References to expressPay herein refer to expressPay Ghana Limited. expressPay reserves the right to make changes to the expressPay website and its (a)Conditions of Use, (b)Privacy Policy, (c)Refund Policy and (d)Chargeback Policy or any other process/policy at any time without advance notice (a, b, c and d are all available on the expressPay website). Each time you use the expressPay website, you should visit and review the then current Conditions of Use, Privacy, Refund and Chargeback Policies that apply to your transactions and use of the site. If you are dissatisfied with the expressPay website, its content or Conditions of Use, you agree that your sole and exclusive remedy is to discontinue using the expressPay website. Tampering with the site, misrepresenting the identity of a user, or conducting fraudulent activities on the site is prohibited.

    Disclaimers and Limitation of Liability

    By using the expressPay website, you expressly agree that use of the expressPay website is at your sole risk. The expressPay websiteis provided on an "as is" and "as available" basis. Neither expressPay, nor any of its associates, including but not limited to its directors, employees, agents, designers, contractors, merchants (collectively, "Associates") warrant that use of the expressPay website will be uninterrupted or error-free. Under no circumstances shall expressPay or its Associates be liable for any direct, indirect, incidental, special or consequential damages that result from your use of or inability to use the expressPay website, including but not limited to your reliance, on any information obtained from the expressPay website that results in mistakes, omissions, interruptions, deletion or corruption of files, viruses, delays in operation or transmission, or any failure of performance. The foregoing limitation shall apply in any action, whether in contract, tort or any other claim, even if an authorized representative of expressPay has been advised of or should have knowledge of the possibility of such damages. You hereby acknowledge that this paragraph shall apply to all content, merchandise and services available through the expressPay website.

    Pricing Policy

    expressPay may charge a convenience fee for certain services. Other services may be offered at face value with no additional charge from expressPay. All convenience fees are subject to change.

    Paying for Your Order

    expressPay accepts multiple payment options. Payment options include but are not limited to Visa®, MasterCard®, GH-Link®, MTN Mobile Money®, Airtel Money®, Tigo Cash®, Vodafone Cash® American Express®, Discover®, PayPal®. Since most orders are digitally delivered, credit/debit cards and or mobile money accounts are generally charged at the time you initiate an order.

    Validating Your Order

    After you place an order using our shopping cart, we will validate the information you give us, by verifying your method of payment. We reserve the right to reject any order you place with us, and/or to limit quantities on any order, without giving any reason. If we reject your order, we will attempt to notify you on the website or using the e-mail address or phone number in your account. Your credit or debit card will normally not be charged if we reject an order and will only be charged by the appropriate amount if we limit an order.

    Refund Policy

    All sales made through the expressPay website are subject to expressPay's refund policy. For a complete explanation of the refund policy, please see Refunds section.

    Termination of Use

    expressPay may, in its sole discretion, terminate your account or your use of the expressPay website at any time. You are personally liable for any orders that you place or charges that you incur prior to termination. expressPay reserves the right to change, suspend or discontinue all or any aspects of the expressPay website at any time without prior notice.


    Subject to applicable law:

    • All transactions done on expressPay are final and any requests for refunds are subject to review
    • For certain services, expressPay may refund any convenience fees associated with the purchase
    • expressPay will not be liable for any damages whatsoever resulting from a wrong transaction
    • expressPay may pass on any costs incurred for conducting a refund

    Where required by law, refunds associated with certain transactions may be eligible for different treatment.


    You, the customer, are entitled to request a refund of your payment as the result of this agreement if the service being paid for is not received/delivered from the service provider. If You want a refund, you must email expressPay, or deliver your written request to expressPay at our registered office.

    All refund requests will be dealt with high priority, and once reviewed and approved will be returned back to the original source of payment( eg. Mobile money account, or bank card )

    Note for Postpaid Services

    expressPay does not normally provide refunds for transactions performed through our site. However, under exceptional cases we will work with the biller to review your particular circumstance to address any issues you raise.

    Note for Prepaid

    expressPay keeps detailed logs of all transactions that take place. expressPay will conduct a detailed investigation of all refund requests for prepaid services. In cases where it is possible to "return" the services already paid we will endeavour to process a return.


    Nothing in our refund policy infringes on your rights to contest the decisions of your refund request by expressPay through your payment brand's refund/chargeback process.

    expressPay is fully compliant with each of the payment brands policies. It should be noted, however, that by using expressPay you are subject to the terms and conditions of our service.

  • What is a Chargeback?

    A chargeback is a reversal of a credit card transaction by your bank. Chargebacks are usually performed when fraudulent purchases have been made on a person’s credit card. You can initiate such a request if you find a charge on your account that you did not authorize, or a charge for an item that you did not receive. If you need to request a chargeback, please contact us first so we can help you resolve the issue. In most cases, our refund policy is the appropriate route to take instead of a chargeback request.

    How does expressPay handle Chargebacks?

    When expressPay receives a chargeback notice, the account from which the service was purchased is immediately blocked, and all associated services in the account are suspended. Without additional information, our policy is to treat chargebacks as a result of fraudulent activity. As a result, expressPay will suspend your account and send you email and/or text notification, requesting that you contact us to resolve the issue and reactivate your expressPay account. expressPay will evaluate all chargebacks requests. In cases where it is deemed to be fraudulent, the case will be turned over to the appropriate law enforcement agencies.

    How do I cancel a Chargeback?

    To undo a chargeback, you must contact your bank to issue a chargeback reversal. Please contact expressPay to inform us when the reversal is initiated so we can make a note on your account.


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