{"response_data":{"status":1,"createdAt":1585301368738,"updatedAt":1777974831162,"_id":"5e8377e66d557d0010d69da8","title":" Terms & Conditions for ATMoney","description":"\n\n\t\n\n\n

The information here outlines the Terms and Conditions of using all our ATMoney range of services. Kindly read and understand these terms of use.

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1. The agreement.

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This agreement is between you and us, Airtel Mobile Commerce (Ghana) Limited, hereinafter referred to as “AT Money”. These are the terms and conditions (‘terms’) which you subject yourself to when you use AT Money services. When you register for AT Money account (‘account’), you agree to accept these terms.

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2. Definitions

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2.1 ‘PIN’ means your personal identification number which is the password you choose to access and operate your account

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2.2 ‘We’ or ‘us’ or ‘our’ means AT Money and partner bank.

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2.3 ‘You’ or ‘your’ means the AT customer

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3. AT Money services

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1.AT Money allows customers to send and receive money, buy airtime, pay bills, pay for goods and services from their mobile phone

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3.2 Customers can deposit and withdraw money from their mobile phones through any of our authorized AT Money Agents.

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3.3 Customers are not required to hold a bank account to use the service.

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4. Service Providers

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1. Duly appointed service providers (also referred to as AT Money Agents will provide the following services:

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4.1.1 Register customers for the services.

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4.1.2 Receive cash deposits from customers.

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4.1.3 Allow cash withdrawals from customers.

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5. Registration for AT Money

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5.1 An AT customer with an active AT SIM card can register for AT Money account.

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2. Registration can take place with any AT Money Agent or at an AT shop.

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3.To register, a valid proof of Ghana Card ID is required. To increase wallet limit to cash out more than GHC10,000 a day, Customer must provide at least one of the following: registered Tenancy Agreement, Utility Bill, Income Tax Certificate, Other Banks’ Statements, Reference Letter, or Employer’s reference letter in addition to any the Ghana Card ID.

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5.4 Foreigners can ONLY register AT Money with their Non-Citizen Ghana Card and NOT passport.

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5.5 The customer will be required to create a four-digit secret code (‘secret PIN’).

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5.6 We may decline your application at our sole discretion.

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6. Transacting

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1. Upon activation of your AT Money account and once you have created value on the account, you will be able to carry out the following transactions:

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6.2. Deposit and withdraw cash at an authorized AT Money Agent.

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6.3. Send money from your wallet to another registered user of AT or unregistered mobile customer or registered users on other mobile networks or send and receive money between your wallet and your bank account.

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6.4 Buy airtime for self or others from your wallet.

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6.5 Pay for bills, goods and services from your wallet.

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6.6 All transactions can only be authorized by you with your secret PIN.

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6.7 You are required to provide a proof of identity to the Agent for Identification purposes.

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6.8 You must verify the accuracy of the information of your transaction before entering your PIN to confirm it.

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6.9.You will not be able to transact if you do not have enough funds in your account to cover the transaction amount and the applicable fees.

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6.10.You will receive a confirmation SMS after each successful transaction with your new account balance

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6.11 You can check your balance, request a mini statement or change your secret PIN at any time.

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7. Fees

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1.For certain types of transaction, fees will be deducted from your wallet according to the amount published in the user guide available from authorized AT Money Agents, AT shops, AT website and partner bank branches or by contacting our helpline on 100.

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2.We reserve the right to change the fee structure of the service if the need arises. You will be notified of such changes through advertisement, SMS, AT website and or other means. Continuation of the service usage will be deemed as acceptance of such changes.

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8. Security and Unauthorized Use

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1.You are responsible for the safekeeping and proper use of your secret PIN for all transactions that take place on your account, and you indemnify us against any claims made in respect of such transactions.

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2. If at any time, you believe that your SIM CARD or secret PIN has been stolen or compromised, you must report to our help line immediately on 100. We will block your PIN as soon as we reasonably can. You will remain responsible for all transaction until your PIN is blocked. Your account will be reinstated once your identity is established.

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3. You shall not use your account to engage in unlawful activities including bribery, money laundering and financing of terrorist activities whether locally or internationally and whether personally or in collaboration with other persons. We shall report you to the appropriate state authorities if we reasonably suspect that you are engaged in such activities.

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4. Where a court of competent jurisdiction determines that you have used your account for any illegal activity, we may be required by law to surrender funds in your account to any lawful body created for the purpose of recovering the proceeds of crime.

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9. Closing your Account

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9.1 We will close your account on receiving a request from you.

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2. We may close your account, restrict activity, or suspend access to your account if in any way we know or suspect your account is being used fraudulently, negligently or for illegal activities or if we must do so to comply with the law.

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3. We may block or close your account if we believe that you are in breach of our terms, are trying to compromise our systems or are unreasonably interfering with any services provided by us.

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4. We may suspend or close your account and transfer any remaining funds to a holding account if your wallet becomes inactive and reassigned to meet regulatory requirements or by any other reasons.

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5. Upon closure of the account, you will be able to get access to your funds and repaid any sums in credit against your account by presenting yourself in person to an AT shop with a proof of identity.

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6. By closing the account, this agreement with us will be terminated.

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7. Port Outs - we will block/suspend account with balance and close account with zero balance.

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10. Limitation of Liability.

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We are not responsible for any failure, malfunction, delay or unavailability of the mobile network, mobile phones, or internet resulting from circumstances beyond our reasonable control (i.e. natural disaster, political turmoil and force majeure).

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11. Rights to disclosure of Information

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1. The business shall adduce evidence in civil or criminal court in relation to customer’s account only under the following.

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(a) to a law enforcement agency,

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(b) for criminal or civil proceedings,

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(d) to a third-party enquiry for confirmation of a license or representations made by a license holder.

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12. Privacy

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1. We assure you of the privacy of your personal data in accordance with the relevant data protection laws. We collect and use your data for the purposes of administering your account and do not share with unauthorized persons.

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2. Adequate safeguards have been put in place to ensure the security and confidentiality of your personal information.

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3. You acknowledge that by using your account, some of your personal information will be passed on to persons necessarily. involved in making the whole money transfer service work, including but not limited to partner banks, agents, support service providers, vendors, associate companies, and relevant employees of AT Money, and persons to whom you transfer or receive money from.

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13. Intellectual Property

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All intellectual property rights in the AT Money services are the property of Airtel Mobile Commerce (Ghana) Limited and its associate companies. Any unauthorized use of our intellectual property without our express prior written consent is illegal.

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14. General

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1. The customer agrees that any registration information given to us is accurate, correct and up to date and, if there are any changes, the customer will update us by visiting our customer service centers.

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2. The law requires us to regularly update your personal data and we shall contact you periodically to achieve this.

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3. We may use and disclose information of customers due to legal, audit, governmental or regulatory requirements; to prevent, detect or prosecute criminal, or fraudulent activities; and to ensure effective provision of AT Money.

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4. We may make changes to the terms from time to time. When these changes are made, we will make a new copy of the terms available at authorized AT agents, AT shops, AT website and or partner bank branches. The customer agrees that we will treat the continued use of the service as acceptance of updated terms.

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5. We shall hold all funds received on customer’s AT Money on trust for the customer in bank accounts maintained by us in selected partner banks approved and licensed by the bank of Ghana. The customer shall be beneficially entitled to all amounts standing to the credits of the customer’s AT Money as conclusively evidenced in the records of the AT Money system.

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6. The customer agrees that we shall not be obligated to invest the trust amounts other than by way of holding the same in the bank accounts and that of the customer shall not have beneficial entitlement to any of the interest accrued on amounts.

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7. We may send information to you via text messages to your mobile number you use for your AT Money account.

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8. You may call 100 or visit any AT shop to report any complaints you have about the service.

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9. Any dispute that is not resolved by the shop shall be brought to the attention of the shop manager and if it is still not resolved shall be referred to the Customer Experience Department at the head office at Millicom Place, Barnes Road, Accra. A dispute may be referred to our Legal Department where necessary.

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10. This agreement is governed by the laws of the Republic of Ghana.

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15. Refunds

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1. AT Money will only refund claim of a wrong transaction which has been reported within 30 days of effecting the transaction, which time is of essence. The refund shall be done after a careful investigation has been conducted to establish the claim.

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2.AT Money shall refund the amount reported (if unspent) or the remaining amount in the account if part is spent by the wrong recipient and shall attract a fee prescribed for reversal.

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3. AT Money will not perform a reversal/ for a wrong transfer which is not reported within 30 days after the said transaction.

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\n\t\t\t AT Money Customer Grade \n\t\t\t	\n\t\t\t KYC \n\t\t\t	\n\t\t\t Maximum Wallet Balance \n\t\t\t	\n\t\t\t Aggregate Daily Transaction Limit \n\t\t\t	\n\t\t\t Aggregate Monthly Transaction Limit \n\t\t\t
\n\t\t\t Bronze/Minimum KYC \n\t\t\t	\n\t\t\t Ghana Card ID \n\t\t\t	\n\t\t\t GHC5,000 \n\t\t\t	\n\t\t\t GHC3,000 \n\t\t\t	\n\t\t\t GHC10,000 \n\t\t\t
\n\t\t\t Gold/Medium KYC \n\t\t\t	\n\t\t\t Ghana Card ID \n\t\t\t	\n\t\t\t GHC40,000 \n\t\t\t	\n\t\t\t GHC15,000 \n\t\t\t	\n\t\t\t No Limit \n\t\t\t
\n\t\t\t Platinum/Enhanced KYC \n\t\t\t	\n\t\t\t Ghana Card in addition to at least one of the following: Registered Tenancy Agreement, Utility Bill, Income Tax Certificate, Other Banks, Statements, Reference Letter, or Employer’s reference letter. \n\t\t\t	\n\t\t\t GHC75,000 \n\t\t\t	\n\t\t\t GHC25,000 \n\t\t\t	\n\t\t\t No Limit \n\t\t\t

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12.1 AT Money will not be liable for any damages whatsoever resulting from a wrong transaction.

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\n\n\n","shortDescription":"The information here outlines the Terms and Conditions of using all our ATMoney range of services. Kindly read and understand these terms of use. ","slug":"-terms-&-conditions-for-atmoney","__v":0},"response_code":200}