Terms And Conditions

LottoAppGh Terms of Service

Last Modified: 4, March 2024

These terms and conditions ("Terms of Service") govern your use of the Application (as defined below) as provided by Ampehk Technology Ltd operating as LottoAppGh. ("LottoAppGh," the "Company," "We" or "Us"). These Terms of Service are a binding legal agreement between you and LottoAppGh. LottoAppGh may change these Terms of Service at any time without notice to you by posting the revised Terms of Service with the date they were revised.

IMPORTANT LEGAL NOTICE: PLEASE READ THESE TERMS OF SERVICE CAREFULLY AS THEY AFFECT YOUR LEGAL RIGHTS AND OBLIGATIONS. IF YOU DO NOT AGREE TO THESE TERMS OF SERVICE IN THEIR ENTIRETY, DO NOT ACCESS OR USE THE SERVICE (MOBILE APP).

1. Defined Terms

For the purpose of these Terms of Service:

"Account Funding" means funding your Wallet Account via one of the accepted forms of payment for the purposes of playing a lottery ticket.

"Application" and/or "LottoAppGh.com" mean all of the services offered on the LottoAppGh application and websites, including, without limitation, all technology, processes and materials used to provide such services;

"Available Funds" means any LottoAppGh Credits in a Wallet Account (as defined below) which have not been used to play Lottery Tickets through this Application or withdrawn to a Mobile Money account (Momo) or Bank account;

"Designated Drawing" means the specific Lottery drawing that you are playing a Ticket to enter using the Application;

"Drawing Entry" means any set of numbers that constitute a single drawing entry on a Ticket; a Ticket may have multiple Drawing Entries;

"App Transfer Threshold" is the maximum Ghana Cedi value for which a winning ticket may be transferred into your Mobile Money account. The threshold amount is GHS 3,000.00 for now and subject to change at LottoAppGh discretion.

"LottoAppGh", "we" and "us" means LottAppGh mobile application, including its agents, contractors, and any parties involved in creating, producing, or delivering this Application;

"LottoAppGh Credits" means any amount in a User's Wallet account. LottoAppGh Credits are added when a User wins a lottery amount. LottoAppGh Credits may be added to a User's account by LottoAppGh for promotional or compensation purposes as well, but these amounts are non-withdrawn but only use to stake lotto;

"Lottery" means an official lottery game (e.g. National Weekly Lotto);

"Non-Winning Ticket" means any Ticket with prizes equal to $0 after prize values are announced;

"Non-Withdrawable Credits" means any LottoAppGh Credits that are not available for withdrawal to a Mobile Money or Bank account. LottoAppGh Credits that are added because of Users funding their account will be non-withdrawable, and so are included in the definition of Non-Withdrawable Credits. Non-Withdrawable Credits may also be given to Users for promotional reasons or for special cases;

"Withdrawable Credits" means any LottoAppGh Credits that are available for withdrawal to a Mobile Money or Bank account. Any LottoAppGh Credits that are applied to a User's Wallet account as a result of winning lottery prizes are Withdrawable Credits;

"Personal Information" means information about a natural person that is readily identifiable to that specific individual. Personal Information includes, among other information, an individual's name, address, telephone number, date of birth, email, password, and any other information used to identify you on this Application. But a domain name or Internet protocol address is not considered Personal Information, as used herein;

"Play" means a single game entry;

"Regulator" means the organization that regulates the lottery in Ghana, the National Lottery Authority;

"Ticket" means any lottery ticket entered into a Designated Drawing;

"User" means any person that opens and maintains an Account on this Application;

"Winning Lotto Ticket" means any Lotto Ticket that wins a prize;

"You" and "Your" means each person, group of individuals, entity or entities who visits this Application for any purpose.

2. User Agreement

By accessing the Application, creating an account via the Application (an "Account"), or clicking to accept or agree to these Terms of Service when this option is made available to you, you hereby (a) acknowledge that you have read and agree to be bound to and abide by these Terms of Service; (b) represent and warrant that you are eligible to access the Application and are authorized and able to accept these Terms of Service; and (c) acknowledge that you have read LottoAppGh Privacy Policy, available at https://lottoappgh.com/privacy_policy.html, and agree that LottoAppGh may collect, process, store, and disclose your information consistent with such policy. If you do not wish to be bound by these Terms of Service, you must not access or use the Application. By declining to accept these Terms of Service, you will be unable to create an Account or access or use the Application.

We reserve the right to change these Terms of Service at any time without prior notice to you. If we make what we determine to be material changes to these Terms of Service, we will notify you by prominently posting a notice or by sending a notice to the e-mail address on file. It is your obligation to provide us with notice of any change to your e-mail address by sending us notice immediately to [email protected]. Your continued use of the Application following such material changes constitutes your affirmative consent to the changes. If you do not agree to the changes, your sole remedy is to cease using the Application and provide written notice of same to [email protected]. We will automatically deactivate your Account and return any funds remaining in your Account, as detailed in these Terms of Service, unless you instruct us otherwise. You are expected to check this page each time you access the Application, so you are aware of any changes, as they are binding on you.

3. Eligibility

In creating an Account, playing a Lottery Tickets and/or claiming prizes on the Application, you must, at the time of registration:

be at least 18 years of age;

be physically located in Ghana and in a "Jurisdiction" in which use of the Application is unrestricted by law;

not be a person barred from using the Application, or a similar lottery service, or barred from purchasing or playing lottery tickets under the laws of Ghana or Jurisdiction in which use of the Application is unrestricted by law;

at all times abide by these Terms of Service as set forth herein;

provide accurate and complete personal information where requested, and update LottoAppGh if your information changes, including Mobile Phone number, Government ID card, credit/debit card or bank account information;

ensure that the name on your Government ID card, credit/debit cards or bank account(s) matches the name on each of your lottery ticket played; and

comply with any other applicable laws, regulations, or legal requirements.

BY ACCESSING OR USING THE APPLICATION, YOU REPRESENT AND WARRANT THAT YOU HAVE THE RIGHT, AUTHORITY AND CAPACITY TO ENTER INTO THIS AGREEMENT, TO ABIDE BY ALL OF THESE TERMS OF SERVICE, THAT YOU ARE NOT PROHIBITED OR RESTRICTED FROM ACCESSING OR USING THE APPLICATION, AND THAT YOU MEET ALL OF THE ELIGIBILITY REQUIREMENTS SET FORTH ABOVE. THE COMPANY MAKES NO REPRESENTATIONS OR WARRANTIES, IMPLICIT OR EXPLICIT, AS TO YOUR LEGAL RIGHT TO ACCESS OR USE THE APPLICATION AND NO PERSON AFFILIATED, OR CLAIMING AFFILIATION, WITH LOTTOAPPGH SHALL HAVE AUTHORITY TO MAKE ANY SUCH REPRESENTATIONS OR WARRANTIES. LOTTOAPPGH DOES NOT INTEND FOR THE APPLICATION TO BE USED BY PERSONS PRESENT IN JURISDICTIONS IN WHICH PARTICIPATION IS PROHIBITED OR RESTRICTED. YOU AGREE THAT THE AVAILABILITY OF THE APPLICATION DOES NOT CONSTITUTE AN OFFER, SOLICITATION OR INVITATION BY LOTTOAPPGH FOR THE USE OF THE APPLICATION IN ANY JURISDICTION IN WHICH SUCH ACTIVITIES ARE PROHIBITED OR RESTRICTED. LOTTOAPPGH RESERVES THE RIGHT TO DENY ACCESS TO THE APPLICATION TO ANYONE AT ITS SOLE DISCRETION.

4. User Accounts

Registration for an Account. To register for an Account, download the Application and complete the online registration process. You will be required to submit personal information including your phone number and email address. You will then be prompted to verify your phone number via SMS code. By accepting these Terms of Service, you agree to receive SMS messages at the mobile telephone number you provide to LottoAppGh. Please note that at registration and while you maintain an Account, we will ask you to verify your phone number by SMS text or by our agents calling you at the number you provided. You consent to these calls by accepting these Terms of Service. If you do not respond to our requested communication or we cannot reach you via the phone number you have provided (for instance in the event your mobile phone company has suspended your account), then we may suspend your Account until we are able to reach you via the number you provided at registration. If you need to update your phone number, please log-in through your Account and update your mobile number, which you will also be required to verify via SMS text message communications or a phone call.

Age Verification. Before you can play a Lottery Ticket, your age must be verified. You will be required to provide the details requested including but not limited to your name, and date of birth. You may also be asked to provide a picture of a government ID. LottoAppGh accepts current (non-expired) Government driver's licenses, Voters ID and Government National ID cards. By creating an Account and providing your contact information and cell phone number on this Application, you agree to provide accurate and current information about yourself, and to maintain and promptly update your profile information in the event it changes (such as your e-mail address) after Account creation. You may modify your profile information by logging into your Account and making such changes. For further assistance, please contact customer service at [email protected]. Any information collected by the Company will be held subject to its Privacy Policy, available at https://lottoappgh.com/privacy_policy.html and "just-in-time" notices, if any, provided at the point of information collection or use. By creating an Account on this Application, you also agree to allow LottoAppGh to contact you via email, autodialed calls or texts or through any other means necessary to verify and update your profile and purchase information, or collect additional information related to your Account.

Marketing. You acknowledge and agree that LottoAppGh may send you emails containing information about lottery products, such as games and promotions, as well as notifications pertaining to your Account activity. You may opt-out of promotional emails by following the opt-out instructions in the emails. However, we will still contact you regarding administrative matters concerning your Account. If you provide any information that is inaccurate or not current, or LottoAppGh has reasonable grounds to suspect that such information is inaccurate or not current, or you cannot be reached for any reason, LottoAppGh reserves the right to suspend or cancel your Account, withhold your Account balance, revoke your right to any Tickets or corresponding prizes, and refuse any and all current or future use of the Application (or any portion thereof).

Security of Your Account. Access to, and use of your Account is strictly limited to you as the registered User of your Account. You are required to immediately notify LottoAppGh at [email protected] if you discover fraudulent or unauthorized purchases, funds transfers or suspect that someone else is using your account login credentials without your permission.

One (1) Account/No Transfer of an Account. Only one (1) Account is allowed per person. You are strictly prohibited from opening or operating a shared account, and LottoAppGh may suspend or terminate your use of the Application if in our sole discretion, we deem you to be sharing an Account, or providing false Account information. In the event LottoAppGh determines that you have registered more than one (1) Account, you acknowledge and agree that, in addition to any other rights LottoAppGh may have, LottoAppGh has the right to suspend or terminate your Account immediately, withhold your Account balance, revoke your right to any Tickets or corresponding prizes, and refuse any and all current or future use of the Application (or any portion thereof). If you need to update the name on an Account (such as a name change due to marriage), please contact us at [email protected]. Please note that you will be asked to provide verifying information and that all documentation must be complete and accurate.

Your Account is not transferable. You may not transfer or share your account with any other party. Each individual must open its own Account. The name on any Ticket purchase must match the name on your Account. In the event of any dispute, the Account holder (i.e. the person or entity who opened the Account and provided payment information) is deemed the holder of the Ticket. Under no circumstances shall you allow or permit any other person or third party, including, without limitation, any person under the age of eighteen (18) (or twenty-one (21) where required in the applicable Jurisdiction) or who are barred from purchasing Lottery Tickets under the laws of the applicable Jurisdiction or, to use the Application or to use or re-use your Account, including but not limited to, in such a way that may breach the standards or laws in any Jurisdiction where you are located and/or are a resident, or where such other person is located and/or is a resident. You accept full responsibility for any unauthorized use of the Application or of your Account and for any use of your payment instrument by any other person or third party in connection with your Account. Any person found to have violated this section may be reported to the relevant authorities and LottoAppGh has the right to suspend or terminate your Account immediately, withhold your Wallet account balance, revoke your right to any Tickets or corresponding prizes, and refuse any and all current or future use of the Application (or any portion thereof). LottoAppGh will not be liable for any loss that you may incur as a result of someone else using your Account.

Equipment Obligation to Use Application. You must provide all equipment and software necessary to download and use the Application, including, but not limited to, a mobile device that is suitable to connect with and use the Application. You are responsible for any fees, including, but not limited to, Internet connection or data usage fees, including, without limitation, SMS/MMS text usage fees, that you incur when accessing the Application.

Account Termination. Your Account may be suspended or terminated, and prize funds may be withheld by LottoAppGh or returned to the regulator of the Lottery (hereinafter the "Regulator"), if applicable, for:

Fraud or suspected fraud of any type;

Violation or suspected violation of these Terms of Service, our Privacy Policy, or any applicable regulations, Government laws; or

Any other reason as set forth in the Terms of Service, including as the Terms of Service may be amended from time to time.

In the event of Account suspension, LottoAppGh may, in its sole discretion, restrict all Account functionality, including but not limited to purchases, claims, Wallet account Funding and withdrawals. Registered Users of Accounts for which suspension escalates to Account termination may be subject to forfeiture of prizes awarded for Winning Tickets payable to User and will be permanently restricted from using this Application in any capacity. LottoAppGh may also restrict any person or entity found to be using or attempting to be using the Application fraudulently, or with intent to commit fraud, disrupt the Application, or create harm to LottoAppGh, its Users, or any third party, including for research or any other purpose outside of the stated purposes of the Application.

Users can also unsubscribe from the Application. To unsubscribe from the LottoAppGh Application and de-activate your Account, you will need to contact [email protected]. If you unsubscribe, your Withdrawable Credits will be converted to Ghana Cedis and transferred to the User in a reasonable manner at the discretion of LottoAppGh and the Account will be deactivated. You will need to delete the Application to complete the process. LottoAppGh is under no obligation to permanently delete any data except as otherwise may be set forth in our Privacy Policy. USERS CANNOT DEACTIVATE THEIR ACCOUNT IF THEY HAVE ANY PENDING OR IN-PROCESS FUND REQUESTS OR IF THEIR ACCOUNT IS ALREADY LOCKED.

5. Wallet Account Funding, Purchases and Withdrawals

a. Withdrawable Credits/Winnings

As detailed in Section 8, when there is a Winning Ticket with a prize value less than or equal to the Transfer Redemption Threshold, the User will be credited with Withdrawable Credits that may be converted on a 1:1 ratio to Ghana Cedis and transferred to a User's eligible Mobile Money or Bank account.

b. Non-withdrawable Credits

Users may also have Non-Withdrawable Credits, which are LottoAppGh Credits that may be spent on new Lottery Ticket purchase using the Application, but which may not be converted to Ghana Cedis or transferred to a User's eligible Mobile Money or Bank account. Any credits given to a User for any reason other than for a Winning Ticket will be non-withdrawable credits. This includes Wallet account Funding, referrals, promotions, contests, and compensation.

c. Promo Codes

LottoAppGh may from time to time offer promo codes to be used in conjunction with the purchase of Tickets on the Application. Promo codes are valid for a limited time only and promo code discounts apply only to the qualifying items described in each promo code offer. Promo code offers will not be valid until applied to a purchase of Lottery ticket and promo code discounts will not apply until your purchase is complete. Each promo code is limited to one use per User and may not be combined with any other promotions. LottoAppGh has no obligation for payment of any tax in conjunction with the distribution or use of any promo code on behalf of Users, and Users are required to pay any applicable tax related to the use of any promo code. LottoAppGh, in its sole discretion, reserves the right to accept, refuse, limit, modify or cancel any promo code at any time for any reason without prior notice to you. Promo codes are void where prohibited by law and only good while supplies last.

d. Referral Program

LottoAppGh implements referral programs from time to time, where Users can refer new Users in exchange for Non-Withdrawable Credits. Any User that is referred must be a real and unique person who consents to such referral and uniquely opens their account and cannot have previously used the Application. Any such new User must meet the eligibility requirements set forth in these Terms of Service and must not have had an Account suspended or terminated by LottoAppGh. Any attempt by a User to use the referral program for fraud or other misuse is subject to suspension or termination and shall not have any right to receive Non-Withdrawable Credits for such referrals. For more information about the referral program, please refer to the page entitled https://LottoAppGh.com/faq.

e. Purchase of Lottery Tickets

If a User makes a new purchase of Lottery Tickets, LottoAppGh will first apply any Non-Withdrawable Credits to the cost of the purchase. Next it will use Withdrawable Credits.

f. Refunds and Cancellations

All purchases of Lottery Tickets through the Application are final and are ineligible for refund or cancellation at any time. LottoAppGh is expressly not responsible for any refunds on any purchases placed from your Account, including but not limited to any purchases you may claim were placed inadvertently or by mistake/accident. Please review your purchases before you place them. If we are unable to verify or authenticate any information you provide during any registration, ordering, purchasing, authentication, delivery, payment or remittance process, or any other process, or if we are no longer able to verify or authorize your mobile money, credit/debit card or bank account information, your Tickets may be cancelled, we may refuse to honor all pending and future Ticket purchases made with those credit/debit card or bank accounts and/or via any Account associated with those mobile money, credit card or bank accounts, and your account is subject to suspension and/or cancellation. We may also prohibit you from using the Application for a period of time. Users of Accounts for which suspension escalates to account cancellation may be subject to forfeiture of prizes awarded for Winning Tickets and may be permanently prohibited from using this Application in any capacity. All remaining un-played LottoAppGh Credits will be forfeited to LottoAppGh upon account cancellation. You shall have no recourse and LottoAppGh shall have no liability as a result of any such cancellation. In the event of any Account suspension or cancellation, all provisions of these Terms of Service relating to User warranties, confidentiality obligations, proprietary rights, and limitation of liability shall remain effective despite such suspension or cancellation. For specific suspension or cancellation questions, please email [email protected].

Withdrawable Credits may be withdrawn from a Wallet account at any time. Withdrawable Credits can be withdrawn to a mobile money or bank account and will usually take 3-5 business days to complete but may take longer due to unusual circumstances. If you do not receive your funds within 5 business days of your withdrawal request, please submit a claim to [email protected] for additional assistance. In the event of the death of a LottoAppGh User, all available Withdrawable Credits will be paid in accordance with these Terms of Service, to the Executor or similarly functioning representative under his/her last will and testament or, if there is no will, in accordance with the laws of Ghana or country of his/her legal residence. LottoAppGh may, in its sole discretion, require proof and documentation to establish that the User is deceased and the individual or entity claiming the Withdrawable Credits is entitled to them before paying such Withdrawable Credits.

g. Chargebacks/Insufficient Fund Charges

You are responsible for any and all bank and legal fees incurred by you or LottoAppGh associated with your disputed charges and chargebacks or insufficient funds for purchases or attempted purchases made on the Application. Additionally, LottoAppGh may charge you a fee in the event LottoAppGh incurs any such bank or legal fees. You will be notified by e-mail or call of any chargebacks or fees and we may deduct same from your Account if your Account has sufficient Withdrawable Credits to cover these charges. If it does not, we will not allow further purchases until these charges are paid with a valid form of payment. In LottoAppGh's discretion, we may suspend or terminate your Account for overcharges or insufficient fund charges or notifications. Additionally, LottoAppGh may withhold any present or future Withdrawable Credits in the event LottoAppGh incurs any bank or legal fees associated with disputed charges and chargebacks or insufficient funds related to your Account.

h. Credit/Debit Card/Bank Information

It is important that your mobile money, credit/debit card and/or bank account information be accurate and complete at all times. If you receive a replacement credit/debit card (for instance, following the loss of a card), please log-in to your Account and update your credit/debit card information. Similarly, if you change banks, please promptly update your banking information by logging into your Account. In the event LottoAppGh detects any potential fraud associated with your Account, including your mobile money, credit/debit card or bank account, LottoAppGh may suspend or terminate your Account. LottoAppGh reserves the right to cancel any tickets purchased through an Account deemed to be associated with a fraudulent payment (such as a stolen credit/debit card), including by forfeiture of any winnings you would have received that were purchased with a fraudulent payment or Account. Notwithstanding anything to the contrary herein, you may only fund your Account with a funding source that is owned by you.

i. Funding with a Bank Account

In purchase to use the payment functionality of the Application, you must open an "Access API" account provided by Paystack, Ltd. ("Paystack") and you must accept the Paystack Terms of Service and Privacy Policy. Any funds held in the Paystack account are held by Paystack's financial institution partners as set out in the Paystack Terms of Service. You authorize LottoAppGh to share your identity and Account data with Paystack for the purposes of opening and supporting your Paystack account, and you are responsible for the accuracy and completeness of that data. You understand that you will access and manage your Paystack account through the Application, and Paystack account notifications will be sent by LottoAppGh, not Paystack. LottoAppGh will provide customer support for your Paystack account activity and can be reached at [email protected].

Each time you use the Application to fund your Account with a single transaction, you agree to the following: "I authorize LottoAppGh to debit the account indicated for the amount noted on today's date. I will not dispute LottoAppGh debiting my account, so long as the transaction corresponds to the terms in this online form and my agreement with LottoAppGh."

You must ensure that your name on any Ticket purchase you place through the Application always matches your mobile money or bank account name. The authorized mobile money or bank account holder will be deemed the Ticket holder in the event of any dispute.

j. Funding with a Credit/Debit Card

The bank services for credit/debit card transactions are provided by Paystack, Ltd. By funding your Account using a credit/debit card, you agree to Paystack’s Privacy Policy and Terms of Use.

You must ensure that your name on any Ticket purchase you place through the Application always matches your credit/debit account name. The authorized credit/debit account holder will be deemed the Ticket holder in the event of any dispute.

k. Funding with Paystack Ltd

If you use Paystack Ltd products to fund your account, you agree to the applicable product’s Terms and Conditions and Privacy Policy, as may be updated from time to time.

You authorize LottoAppGh to share your identity and Account data with Paystack, for the purposes of opening and supporting such account, and you are responsible for the accuracy and completeness of that data.

You must ensure that your name on any Ticket purchase you place through the Application always matches your Paystack account name, as applicable. The authorized account holder will be deemed the Ticket holder in the event of any dispute.

m. Withdrawing with Paystack

Paystack is an option for withdrawing your winning credits on LottoAppGh in the form of bank or mobile money transfer. If you use Paystack to withdraw credits from your account, you agree to Paystack’s Terms and Conditions and Privacy Policy, as may be updated from time to time.

You authorize LottoAppGh to share your identity and Account data with Paystack for the purposes of supporting such a withdrawal, and you are responsible for the accuracy and completeness of that data.

All questions regarding Paystack and withdrawals through Paystack must be made to Paystack directly and LottoAppGh is not responsible or otherwise liable for any issues that may arise in the use of Paystack.

Withdrawals could also be in cheque or bank transfer forms.

6. LottoAppGh Application Services

Upon registering with LottoAppGh, you will be able to utilize the Application to purchase official Tickets over the internet; log into your Account; view past Tickets and upcoming Tickets; manage your Account; and access other information related to the official National Lotteries Authorities.

7. Courier Model and Ticket Purchases

LottoAppGh acts as the technology service provider as well as the digital courier working as a retailer. LottoAppGh is a software developer that provides downloadable mobile applications to Users. Via the Application, Users can purchase new Lottery Tickets from the Application, determine whether their Tickets qualify for Ghana cedis winnings, view their Ghana cedis winnings, and use LottoAppGh Credits to purchase new tickets.

When purchasing a Ticket through LottoAppGh, you are purchasing a Ticket directly and not placing an order for a Ticket. As a service provider LottoAppGh is a retailer and not acting as agent of any provider. LottoAppGh is an authorized retailer by NLA for operating Lottery business in Ghana with License number GHXX-XXX-XXXX.

In connection with a Ticket purchase, LottoAppGh receives funds from the User. LottoAppGh does not charge a service fee when funding your account, the only fee applicable is either E-levy or mobile service company fees for mobile money transfers and bank fees for bank transfers. LottoAppGh never charges a fee on purchasing a Lottery Ticket, but a service fee is charged on any winnings or distributions.

The purchase of Tickets and right to any prizes on this Application is strictly limited to registered Users who are at least 18 years of age (or 21 where required in the applicable Jurisdiction).

The authorized Account holder will be deemed the Ticket holder. You must ensure that the name on your Ticket purchased matches the name on your Account.

LottoAppGh imposes a daily funding and Ticket purchase limit per Account holder and may in its sole discretion change the daily funding or purchase limit on an individual basis. Users may also adjust their daily funding or purchase limit within the App or by contacting Customer Support ([email protected]).

Avoid Lottery Scams

This is a warning to all consumers about scammers who are sending false announcements regarding lottery prizes.

As part of the scam, an individual is contacted by phone, email, text message, or a letter from a scammer who is claiming that the recipient has won a prize with LottoAppGh lottery. Unless you hear from LottoAppGh directly, this is a fraudulent claim and there is no such prize. Never respond to these communications and never provide information or send money to a scammer.

Warning Signs

No way LottoAppGh Lottery will ever require the payment of any money in purchase to claim a prize.

No one should ever send any money to pay any ‘processing fee’ or any other requested fee in purchase to claim a prize. (See FAQ What happens if I win?)

Never deposit any check sent to you that is accompanied by a request that you send or wire money to cover processing or claiming fees. The check that you’ve received is fraudulent and will bounce.

Never provide any personal or financial information to a scammer, especially Mobile Money PIN, bank account numbers, and credit/debit card numbers.

Report the Scam

Report any attempted scam to the Ghana Policy Station near you or call them on XXX-XXX-XXXX.

Exclusions/Self-Exclusions. No Arrangements for Prohibited Persons/Excluded Persons. You acknowledge that LottoAppGh is a Ghana company. As such, LottoAppGh:

LottoAppGh reserves the right to prohibit certain "prohibited persons" that are government officials from using the app.

LottoAppGh reserves the right to prohibit any "excluded persons" that are listed on an applicable "exclusion list" from using the app.

Persons who have executed and submitted to LottoAppGh an appropriate request for voluntary self-exclusion from using the Application, or purchasing or ordering Lottery Tickets or other services, in accordance with a countries’ voluntary self-exclusion program or LottoAppGh's voluntary self-exclusion thereunder ("Voluntary Self-Exclusion") may not use the Application. LottoAppGh is not liable for any access by, or services provided to a self-excluded person's accessing the Application or creating an Account.

As set forth and unless otherwise indicated in these Terms of Service, other persons are excluded from using the Application or creating an Account. Those persons include:

Those under the age of 18 (or 21 where required in the applicable Jurisdiction).

LottoAppGh employees, officers and directors.

Those who are not located in a Jurisdiction where LottoAppGh can legally operate as a business.

Those who do not meet the eligibility and verification requirements, including identification requirements.

Those excluded by the applicable Regulator.

LottoAppGh, in its sole discretion, may exclude any person or entity from using its Application or opening an Account.

Other Parties

As set forth and unless otherwise indicated in these Terms of Service, other persons are excluded from using the Application or creating an Account. Those persons include those under the age of 18 (or 21 where required in the applicable Jurisdiction); employees, officers, and directors of LottoAppGh and any of its or their parent companies, subsidiaries, affiliates as well as direct technology vendors, content providers, component suppliers (both hardware and software) directly related to the Application, and each of their respective immediate family (defined as parents, spouse, partner, and children) residing in the same household (but as noted above, such persons may, however, access the Application, and will from time-to-time do so for the purpose of testing the Application, including, without limitation, evaluating User experience, and other reasonable and fair uses at the sole discretion of LottoAppGh); those who are not located in a Jurisdiction where LottoAppGh can legally operate; those who do not meet the eligibility and verification requirements, including identification requirements; and those excluded by the applicable Regulator. LottoAppGh may exclude any person or entity from using its Application or opening an Account in its sole discretion.

8. Winning Tickets and Prize Claiming

In connection with a Ticket redemption, LottoAppGh transmits winnings to the User.

Once the drawing and prize results are in, LottoAppGh will notify you in the Application and email you (where applicable) to let you know if your Ticket is a Winning Ticket. If it is a Winning Ticket and the prize value is less than or equal to the Transfer Redemption Threshold, LottoAppGh will automatically credit your Wallet Account for the full prize value, and User can transfer into mobile money or bank account as further described in Section (1) below. If a Winning Ticket has a prize value worth more than the Transfer Redemption Threshold, LottoAppGh will automatically credit your Wallet Account and User can request for withdrawal and a bank cheque will be issued in the name of the User as further described in Section (2) below.

1. Winning Tickets with prizes totaling less than or equal to the Transfer Redemption Threshold. By using the Application, you agree that LottoAppGh should transfer Winning Tickets with prize totals that are less than or equal to the Transfer Redemption Threshold into your Wallet account as soon as drawing results are posted. LottoAppGh as authorized by Ghana Revenue Authority (GRA) will withhold any applicable taxes on your behalf and paid to GRA. LottoAppGh will deposit the Winning prize value less applicable taxes and fees into your LottoAppGh Wallet account in the form of Withdrawable Credits. These Withdrawable Credits may be converted to Ghana Cedis and transferred to an eligible mobile money or bank checking or savings account in accordance with these Terms of Service. Users may also keep the Withdrawable Credits and use them towards future Lottery Ticket purchases.

You are ultimately responsible for paying any additional tax liability associated with claims made through this Application for Winning Tickets with prizes that are less than or equal to the Transfer Redemption Threshold. The Transfer Redemption Threshold may change in the future by sole discretion of LottoAppGh, but currently it is around GHS 3,000.00.

Payouts for these prizes will be facilitated via Paystack and will require the User to cooperate with all necessary Know Your Customer ("KYC") regulatory requirements. Review Paystack's Terms of Service and Privacy Policy for more detail.

2. Winning Tickets with prizes greater than the Transfer Redemption Threshold. Claims for Winning Tickets with prizes totaling more than the Transfer Redemption Threshold, a bank cheque or transfer will be done directly into users’ bank account.

LottoAppGh requires, and you agree to present a government-issued identification in purchase to pick up any Winning bank check. In the event you do pick up a Winning bank check in person, you agree to take full possession and release LottoAppGh from any responsibility for the Winning bank check, and any associated prize claims, by signing a ticket release form.

3. Prohibition on Claiming Winning Tickets. You are prohibited from claiming, or attempting to claim, any Winning bank cheque in any manner that is inconsistent with the terms of this Section 8. In the event you claim, or attempt to claim, any Winning Bank Cheque in a manner that is inconsistent with this Section, you agree that LottoAppGh will have no liability to you with respect to such Winning Bank Cheque, including, without limitation, the obligation to deposit any Withdrawable Credits into your Account associated with such Winning Ticket. You shall indemnify, defend and hold harmless LottoAppGh for any claims, losses, expenses and all other liabilities LottoAppGh incurs as a result of your failure to comply with these Terms of Service.

9. Limited License to the LottoAppGh Application

1. License Grant. The Application and its contents, features and functionality, including but not limited to, all information, products, services, text, displays, graphics, video, audio and software as well as the design, selection and arrangement thereof (collectively, "Content"), are owned by the Company, its licensors or other providers of such material and are protected by Ghana and international copyright, trademark, patent, trade secret and other intellectual property or proprietary rights laws. Subject to these Terms of Service, the Company grants you a limited, non-exclusive and nontransferable license to (i) download, install and use the LottoAppGh Application for your personal, non-commercial use on a mobile device owned or otherwise controlled by you ("Mobile Device") strictly in accordance with these Terms of Service and (ii) access and use the services made available in or otherwise accessible through the LottoAppGh Application strictly in accordance with these Terms of Service.

2. License Restrictions. You acknowledge and agree that you shall not:

i. Copy the Application, except as expressly permitted by this license;

ii. Modify, translate, adapt or otherwise create derivative works or improvements, whether or not patentable, of the Application or any of the Content on the Application;

iii. Reverse engineer, disassemble, decompile, decode or otherwise attempt to derive or gain access to the source code of the Application or any part thereof;

iv. Remove, delete, alter or obscure any trademarks or any copyright, trademark, patent or other intellectual property or proprietary rights notices from the Application or Content, including any copy thereof;

v. Rent, lease, lend, sell, sublicense, assign, distribute, publish, transfer or otherwise make available the Application or any features or functionality of the Application, to any third party for any reason, including by making the Application available on a network where it is capable of being accessed by more than one (1) Mobile Device at any time;

vi. Remove, disable, circumvent or otherwise create or implement any workaround to any copy protection, rights management or security features in or protecting the Application or the Content thereon;

3. Reservation of Rights. You further acknowledge and agree that the Application is provided under license, and not sold, to you. You do not acquire any ownership interest in the Application under these Terms of Service, or any other rights thereto other than to use the Application in accordance with the license granted, and subject to all terms, conditions and restrictions under these Terms of Service. The Company and its licensors and service providers reserve and shall retain their entire right, title and interest in and to the Application, including all copyrights, trademarks and other intellectual property rights therein or relating thereto, except as expressly granted to you in these Terms of Service.

4. From time to time, the Company may in its sole discretion develop and provide Application updates, which may include upgrades, bug fixes, patches and other error corrections and/or new features (collectively, including related documentation, "Updates"). Updates may also modify or delete in their entirety certain features and functionality. You agree that the Company has no obligation to provide any Updates or to continue to provide or enable any particular features or functionality. Based on your Mobile Device settings, when your Mobile Device is connected to the Internet either (i) the Application will automatically download and install all available Updates or (ii) you may receive notice of or be prompted to download and install available Updates. You acknowledge and agree that the Application or portions thereof may not properly operate should you fail to promptly download and install all Updates. You further agree that all Updates will be deemed part of the Application and be subject to these Terms of Service.

5. Mobile Device and Service Charges. Certain features of the Application require communication with the Company's servers, including, without limitation, Application downloads and Updates, which may consume and exceed your service provider's data or minute allowance limits. You acknowledge and agree that you are solely responsible for any charges incurred with your data/mobile service provider as a result of the Application, including any overage and penalties assessed for exceeding the limits imposed by your service provider. You are responsible for the cost of your Mobile Device and to ensure that your Mobile Device meets the system requirements of the Application, including obtaining periodic updates or upgrades from your Mobile Device service provider to continue using the Application. THE COMPANY DOES NOT WARRANT OR GUARANTEE THAT THE APPLICATION WILL BE COMPATIBLE OR FUNCTION WITH ANY PARTICULAR MOBILE DEVICE, NOR DOES THE COMPANY WARRANT OR ACCEPT ANY LIABILITY FOR OPERATION OF THE MOBILE DEVICE USED TO ACCESS THE APPLICATION.

6. Term and Termination. The term of your limited license to the Application commences when you download the Application and accept these Terms of Service and will continue in effect until the earlier of (i) your deletion of the Application from your Mobile Device or (ii) the Company's suspension or termination of your limited license to the Application and/or termination of your Account. Upon termination (i) all rights granted to you under these Terms of Service will also terminate and (ii) you must cease all use and delete all copies of the Application from your Mobile Device. Termination of your limited license will not limit any of the Company's rights or remedies at law or in equity.

10. Intellectual Property Rights

Copyright Information and Non-Commercial Use Limitation. The Application and its Content are owned by the Company, its licensors or other providers of such material and are protected by Ghana and international copyright, trademark, patent, trade secret and other intellectual property or proprietary rights laws.

The Company name, the Company logo and all related names, logos, product and service names, designs and slogans are trademarks of the Company or its affiliates or licensors. You must not use such marks without the prior written permission of the Company. All other names, logos, product and service names, designs and slogans are the trademarks of their respective owners.

11. Use Prohibitions

You agree to access and use this Application only for lawful reasons. You are responsible for knowing and complying with any and all laws, statutes, rules and regulations pertaining to your use of this Application. You are prohibited from using this Application in a way that:

Is threatening, violent, abusive, hateful, defamatory, slanderous, libelous, deceptive, fraudulent, tortious, indecent, vulgar, profane, obscene, or that LottoAppGh deems in its sole discretion to be inappropriate for this Application or that seeks to interfere with other User's use or enjoyment of the Application;

Violates any law, regulation, or court purchase;

Accesses, collects or stores Personal Information about others;

Violates or infringes upon the rights of anyone else, including, for example, another person's Right to privacy;

Impersonates any person, business, entity, or IP address (e.g., IP spoofing);

Involves uploading, posting, emailing, transmitting or otherwise making available any materials that you do not have a right to make available under any law;

Is commercial in nature, including, without limitation and for example, advertising, promotional or marketing materials, or spam, phishing or other unsolicited messages, or for your own research and/or development;

Gains or tries to gain unauthorized access to this Application, its computers and networks, or its User data, or that otherwise modifies or interferes with the use or operation of this Application;

Imposes an unreasonable or disproportionately large load on LottoAppGh's infrastructure, including but not limited to automating scripts for Account creation, transmitting spam or using unsolicited mass emailing techniques;

Alters, damages, or deletes any content posted on this Application;

Contains or introduces computer viruses or other disruptive, damaging or harmful files or programs;

Otherwise violates these Terms of Service or any other guidelines or policies posted on this Application, including the Privacy Policy, which are incorporated by this reference into these Terms of Service; or

Uses the referral system to refer fake people or people that have otherwise not consented to or that are otherwise not aware of such referral.

LottoAppGh will cooperate fully with any law enforcement officials and/or governmental agencies if requested or required in the investigation of any Users who violate these Terms of Service and may disclose your information to such law enforcement officials and/or agencies if required by law.

12. Comments and Other User Submissions/Use of Information

While LottoAppGh does not claim ownership of any comments or suggestions that you may submit to LottoAppGh, by submitting a comment or suggestion or any other material to this Application, you hereby authorize and grant LottoAppGh the non-exclusive right and license to use, display, reproduce, modify and distribute the comment, suggestion or material in whole or in part, anywhere in perpetuity in any and all media outlets, whether alone or together, or as part of any material of any kind or nature. Without limiting any of the foregoing, LottoAppGh will have the non-exclusive right and license to use, copy, edit, display, perform, distribute, modify and re-format the comment, suggestion or material in any manner that LottoAppGh may determine. You waive any claims to compensation for any such right or license. By submitting a comment, suggestion or material, you represent and warrant to LottoAppGh that you have all necessary rights in and to all comments, suggestions or materials you provide and all information they contain, and that such comments, suggestions or materials do not infringe upon any proprietary or other rights of third parties or contain any libelous, tortious, or otherwise unlawful information.

You should note that by using the Application, you grant LottoAppGh the non-exclusive right and license to use your full name and details of the game(s) you won (including the winner amount and any reason you have stated to LottoAppGh for why you chose your numbers) in the event LottoAppGh chooses to publish (through the Application or otherwise) this information concerning your win(s) for promotional or other purposes. For instance, we may publish "Kwabena won GHS1,000 in Assin Kushea. Kwabena picked his numbers based upon family birthdates. Congrats Kwabena!" Further, LottoAppGh may use your image, your full name, and details of the game(s) you played or won to promote LottoAppGh on social media and in other media, on the Application or in any other medium, on the Internet or otherwise. Your use of the Application constitutes permission (except where prohibited by law) to use your name, city, state, likeness, image, comments and/or voice for purposes of advertising, promotion, and publicity in any and all media now or hereafter known, throughout the world in perpetuity, without additional compensation, notification, permission, or approval, except as required by applicable law.

13. Disclaimers and Limitations of Liability

1. Disclaimer of Liability. LottoAppGh is not liable for any direct, indirect, incidental, consequential, or punitive damages (including, without limitation, those resulting from lost profits, lost data, or business interruption) arising out of your access to, use of, or inability to use, this Application or any material from this Application, including but not limited to damages caused by any failure of performance, interruption (including those disruptions described in Section 20 below), error, omission, deletion, defect, delay in operation or transmission, computer virus, security, communication line failure, theft, destruction or unauthorized access to, alteration of, or use of record, whether for breach of contract, tortious behavior, negligence or under any other cause of action.

2. Disclaimer of Warranty. Without limiting the foregoing, this Application and the material provided on this Application are provided "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. ANY CLAIMS FOR DAMAGES WILL BE LIMITED TO THE PRICE OF EACH INTERNET TICKET PURCHASE VIA THIS APPLICATION OR THE VALUE OF A SINGLE INTERNET TICKET PLAYED AS PART OF A SUBSCRIPTION AUTOPLAY TICKET PURCHASEED VIA THIS APPLICATION.

3. Disclaimer of Accuracy of Data. LottoAppGh makes no warranties or representations as to the accuracy, completeness or timeliness of the materials, or content provided on this Application and assumes no liability or responsibility for any errors or omissions on this Application. No warranty, expressed or implied, is made regarding accuracy, adequacy, completeness, legality, reliability or usefulness of any materials or content. This disclaimer applies to both isolated and aggregate uses of the materials or content. If you find any errors or omissions, we encourage you to report them to [email protected]. LottoAppGh makes every effort possible to ensure that the winning numbers and prize amounts posted on this Application and highlighted on individual Tickets are accurate and available within a reasonable amount of time after winning numbers are drawn for each lottery drawing. However, in the event of an error, the winning numbers and prize amounts in the official records of the Regulator will stand as the final determination of prize monies owed to an Account.

By using this Application you hereby waive any claim against LottoAppGh for, or in connection with, the receipt of erroneous information. LottoAppGh takes numerous steps to ensure that the Plays requested on Ticket purchases exactly match the Plays included on the tickets LottoAppGh physically print out. However, in the event of an error, the Plays included on the physical ticket purchased in relation to your Ticket purchase will stand as the final determination of prize monies owed to your Account. By using this Application you acknowledge that in the event of an error (caused by any means, including LottoAppGh's error), LottoAppGh is only liable for the purchase price of the Ticket.

4. Disclaimer of Endorsement. LottoAppGh may from time to time distribute content supplied by third parties. Any opinions, advice, statements, services, offers, or other information or content expressed or made available by third parties, including information providers, Users, or others, are those of the respective author(s) or distributor(s) and do not necessarily state or reflect the opinion of LottoAppGh and shall not be used for advertising or product endorsement purposes. Reference herein to any specific commercial products, process, or service by trade name, trademark, manufacturer, or otherwise, does not constitute or imply its endorsement, recommendation, or favoring by LottoAppGh.

14. Dispute Resolution and Indemnity

Time Limit for Bringing Claims. YOU AGREE THAT REGARDLESS OF ANY LAW TO THE CONTRARY, ANY CLAIM OR CAUSE OF ACTION ARISING OUT OF OR RELATED TO THE TERMS OF SERVICE, THE APPLICATON OR ANY OF THE SERVICES PROVIDED BY LOTTOAPPGH OR THROUGH THE APPLICATION MUST BE SUBMITTED TO ARBITRATION WITHIN ONE (1) YEAR OR SUCH CLAIM SHALL BE FOREVER BARRED. THAT ONE-YEAR STATUTE OF LIMITATIONS SHALL BEGIN TO RUN ON THE DATE OF THE ALLEGED EVENT GIVING RISE TO THE CLAIM OR CAUSE OF ACTION, UNLESS OTHERWISE PROVIDED UNDER APPLICABLE LAW.

Resolving Disputes: PLEASE READ THE FOLLOWING SECTIONS CAREFULLY – THEY MAY SIGNIFICANTLY AFFECT YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.

Let's Try to Work Things Out. We want to address your concerns without litigation. Before filing a claim against LottoAppGh, you agree to try to resolve the dispute informally by contacting [email protected]. We'll try to resolve the dispute informally by contacting you via email. If a dispute is not resolved within 60 days of submission, you or LottoAppGh may bring a formal arbitration proceeding as described below.

We Both Agree to Arbitrate. You and LottoAppGh agree to resolve through final and binding arbitration any claims relating to these Terms of Service, the Application, and any Tickets, prizes or other services offered on or through the Application, except as set forth under Exceptions to Agreement to Arbitrate below. The arbitration shall be held in Ghana.

Opt-out of Agreement to Arbitrate. You can decline this agreement to arbitrate by sending a letter to LottoAppGh that must be postmarked within 30 days of your first acceptance of these Terms of Service. The letter must specify your first and last names, mailing address, and explain that you are opting out of this arbitration provision. The letter should be sent to Ampehk Ltd, Attn: Legal Department, xxxx,xxxxx

Arbitration Procedures. The arbitration shall be conducted by a single arbitrator, governed by the rules of Ghana arbitration law and under the rules set forth in these Terms of Service. We may also mutually agree to have the arbitration conducted by telephone or based on written submissions.

Arbitration and Attorney's Fees. LottoAppGh will pay all arbitration fees for claims less than GHS10,000, unless the arbitrator finds the arbitration to be frivolous. You are responsible for all other additional costs that you may incur in the arbitration including, but not limited to attorney's fees and expert witness costs unless LottoAppGh is otherwise specifically required to pay such fees under applicable law. For claims that total more than GHS10,000, the Ghana Arbitration Rules will govern payment of filing fees and arbitration fees. The decision of the arbitrator will be in writing and binding and conclusive on LottoAppGh and you, and judgment to enforce the decision may be entered by any court of competent jurisdiction. LottoAppGh and you agree that dispositive motions, including without limitation, motions to dismiss and motions for summary judgment, will be allowed in the arbitration. The arbitrator must follow these Terms of Service and can award the same damages and relief as a court, including injunctive or other equitable relief and attorneys' fees. Notwithstanding the foregoing, LottoAppGh and you agree not to seek any attorneys' fees and expert witness costs unless the arbitrator finds that a claim or defense was frivolous or asserted for an improper purpose. LottoAppGh and you understand that, absent this mandatory arbitration provision, LottoAppGh and you would have the right to sue in court and have a jury trial. LottoAppGh and you further understand that, in some instances, the costs of arbitration could exceed the costs of litigation and the right to discovery may be more limited in arbitration than in court. If LottoAppGh is the prevailing party in the arbitration, applicable law may allow the arbitrator to award attorneys' fees and costs to LottoAppGh.

Severability; Waiver of Jury Trial. If any clause within these arbitration provisions is found to be illegal or unenforceable, that specific clause will be severed from these arbitration provisions, and the remainder of the arbitration provisions will be given full force and effect. In the event some or all of these arbitration provisions are determined to be unenforceable for any reason, or if a claim, dispute or controversy is brought that is found by a court to be excluded from the scope of these arbitration provisions, LottoAppGh and you agree to waive, to the fullest extent allowed by law, any trial by jury. The terms of these arbitration provisions will also apply to any claims asserted by you against any present or future parent or affiliated company of LottoAppGh to the extent that any such claims arise out of your access to, and/or use of the Application, and/or the provision of services and/or technology on or through the Application.

No Class Actions. PLEASE READ THE FOLLOWING SECTIONS CAREFULLY – IT MAY SIGNIFICANTLY AFFECT YOUR LEGAL RIGHTS.

You may only resolve disputes with us on an individual basis and may not bring a claim as a plaintiff or a class member in a class, consolidated, or representative action. You agree that class arbitrations, class actions, private attorney general actions, and consolidation with other arbitrations are not allowed.

BY AGREEING TO THIS ARBITRATION AGREEMENT, YOU ARE GIVING UP YOUR RIGHT TO GO TO COURT, INCLUDING YOUR RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN A CLASS ACTION. YOU UNDERSTAND THAT BY AGREEING TO THIS ARBITRATION AGREEMENT AND CLASS ACTION WAIVER, YOU MAY ONLY BRING CLAIMS AGAINST LOTTOAPPGH AND ANY RELEASED PARTIES IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS ACTION OR REPRESENTATIVE PROCEEDING. IF YOU DO NOT AGREE TO ARBITRATION, YOU SHOULD OPT OUT OF THIS ARBITRATION PROVISION PER THE TERMS OF SERVICE. OTHERWISE, YOU ARE NOT AUTHORIZED TO USE THE APPLICATION IN ANY WAY.

Judicial forum for disputes. In the event that the agreement to arbitrate is found not to apply to you or your claim, you and LottoAppGh agree that any judicial proceeding (other than small claims actions) will be brought in the Ghana courts. Both you and LottoAppGh consent to venue and personal jurisdiction there.

Indemnification. You agree to defend, indemnify and hold harmless LottoAppGh from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms of Service or your use of the Application, including, but not limited to, any use of the Application's Content and products other than as expressly authorized in these Terms of Service or your use of any information obtained from the Application. If you are obligated to provide indemnification hereunder, the Company may, in its sole and absolute discretion, control the disposition of any claim at your sole cost and expense. Without limitation of the foregoing, you will not settle, compromise or in any other manner dispose of any claim without the Company's written consent. If you are obligated to provide indemnification hereunder, the Company may withhold any payment it is otherwise required to make to you to offset your indemnity obligations.

15. General Terms

Internet Privacy and Security. Due to the design of the Internet, LottoAppGh cannot guarantee that communications between you and LottoAppGh will be free from unauthorized access by third parties or will be secure. By agreeing to these Terms of Service, you expressly agree that your use of this Application is at your sole risk, and you agree that LottoAppGh shall not be liable if a security breach occurs, or if this Application malfunctions, except as required by law.

Tax Obligation. You acknowledge that you are responsible to report your income and pay any taxes due to Ghana Revenue Authority in Ghana or in the country you reside. You further acknowledge that an applicable Lottery organization may retain a portion of your winnings and forward it to the appropriate taxing authority on your behalf.

Reliance on Information Posted and Third Party Links. The information presented on or through the Application is made available solely for general information purposes. The Company does not warrant the accuracy, completeness or usefulness of this information. Any reliance you place on such information is strictly at your own risk. The Company disclaims all liability and responsibility arising from any reliance placed on such materials by you or any other user of the Application, or by anyone who may be informed of any of its contents. This Application may contain links to third party applications. These links are provided solely as a convenience to you. If you click on any of these links, you will leave this Application. LottoAppGh does not control, and is not responsible for, any third party applications or their content. Therefore, LottoAppGh does not endorse or make any representations about third party applications, or any information, products, or materials found there. If you access any of the third party applications linked to this Application, you do so entirely at your own risk.

Waiver and Severability. No waiver of by the Company of any term or condition set forth in these Terms of Service shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of the Company to assert a right or provision under these Terms of Service shall not constitute a waiver of such right or provision. If any provision of these Terms of Service is held by a court or other tribunal of competent jurisdiction to be invalid, illegal or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms of Service will continue in full force and effect.

The Company may assign its rights and obligations under this Agreement, in whole or in part, to any person or entity at any time without notice to you and without your consent. Upon such assignment, the Company may be relieved of any further obligation hereunder. You may not assign or delegate any rights or obligations under these Terms of Service without the Company's prior written consent, and any unauthorized assignment and delegation by you is void and ineffective.

Relationship of Parties. You acknowledge and agree that no joint venture, partnership, or employment relationship exists between you and the Company as a result of these Terms of Service or your use of the Application. You agree not to hold yourself out as representative, agent, operator, distributor, or employee of the Company and the Company shall not be liable for any of your representations, acts, or omissions. You also acknowledge and agree that, except as otherwise expressly provided in these Terms of Service, there shall be no third party beneficiaries.

16. Potential Disruption of the Application

Access to this Application may from time to time be unavailable, delayed, limited or slowed due to, but not limited to, the following:

Scheduled daily maintenance;

Emergency (unscheduled) maintenance;

Hardware failure, including but not limited to, failures of computers (including your own computer), servers, networks, connections, and other electronic and mechanical equipment;

Software failure, including but not limited to, bugs, errors, viruses, configuration problems, incompatibility of systems, utilities or applications, the operation of firewalls or screening programs, unreadable codes, or irregularities within particular documents or other content;

Overload of system capacities;

Unforeseen circumstances or causes outside its reasonable control, including, without limitation, extreme weather and other acts of God, natural catastrophes, pandemics, governmental actions, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, network infrastructure failures, computer viruses, strikes, or shortages of transportation facilities, transportation stoppages or slowdowns, and stoppage or slowdown of power supplies or other utility or service (including the Internet or other networks) (each, a "Force Majeure Event"); and

Other similar disruptions. LottoAppGh may discontinue, suspend or Update the Application at any time without notice. LottoAppGh shall not be liable for any failure to perform or disruption of the Application due to such discontinuance, suspension or Update.

17. Responsible Play

LottoAppGh is committed to ensuring the lottery does not turn from a game of fun into a financial issue. LottoAppGh warns that for some users, gambling of any kind can be a problem and therefore, we offer the following tools and resources to encourage healthy playing behavior.

Self-Exclusion

If you wish to exclude yourself from play, you may apply a self-exclusion to your account at any time. A self-exclusion will suspend you from playing on LottoAppGh for a specified period.

Here's how it works:

You decide how long to apply the self-exclusion.

We ensure you are no longer able to buy more credits or make plays during this specified period.

Any winnings from outstanding purchases will be given to you.

You will still be able to cash out any remaining credits in your account.

18. Entire Agreement

These Terms of Service, our Privacy Policy, and any applicable Limited Power of Attorney constitute the sole and entire agreement between you and the Company with respect to the Application and supersede all prior and contemporaneous understandings, agreements, representations and warranties, both written and oral, with respect to the Application. Nothing in the Terms of Service, express or implied, shall be deemed to confer any rights or remedies upon, nor obligate any of the parties hereto, to any person or entity other than such parties, unless so stated to the contrary.