1. THE AGREEMENT
\n\n1.1. This Agreement sets out the complete Terms and Conditions (hereinafter called "these Terms and Conditions") which shall be applicable to any Mobile Money Loan provided by SPEED MICROFINANCE LIMITED and credited into your AT Money wallet (as such terms are hereinafter defined).
\n\n1.2. These Terms and Conditions and any amendments or variations thereto take effect on the date of publication on SPEED MICROFINANCE LIMITED’s and AT’s Websites.
\n\n1.3. These Terms and Conditions may change from time to time. You are therefore required to read these Terms and Conditions each time you apply for loan.
\n\n1.4. Therefore, you make the following representations and warranties to us at the time of entering into this agreement and every time you use our services or upon entering a loan commitment:
\n\n1.4.1 You are over the age of 18 years.
\n\n1.4.2 Your SIM is registered to your Ghana Card.
\n\n1.4.3 You have the capacity to enter into this legal agreement and are of sound mind.
\n\n1.4.4 You confirm that all personal information that you provide about yourself is accurate and true to the best of your knowledge
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2. DEFINITIONS
\n\n2.1. In these Terms and Conditions, the following words and expressions (save where the context requires otherwise) bear the following meanings:
\n\n2.1.1. "SPEED MICROFINANCE LIMITED" means Speed Microfinance Limited, or person to whom it transfers any of its rights or obligations.
\n\n2.1.2. "SPEED MICROFINANCE LIMITED's means the E-Money account held by Speed ACCOUNT Microfinance Limited with AT Money
\n\n2.1.3. "STATEMENT" means a statement of your AT Money Account setting out the details referred to in clause10.
\n\n2.1.4. "AGREEMENT" means these Terms and Conditions and any PO offered and accepted by you from time to time;
\n\n2.1.5. "AT" means Airtel Ghana Limited a company incorporated in Ghana as a limited liability Company.
\n\n2.1.6. "AT MONEY ACCOUNT" means your mobile money wallet with AT Ghana the disbursement of Mobile Money Loans from SPEED MICROFINANCE LIMITED.
\n\n2.1.7. "AT MONEY PIN" means your personal identification number being the secret code used to access and operate the AT Mone System known only to you.
\n\n2.1.8. "AT MONEY SERVICE" means the money transfer and payments service provided by AT through the AT Money System.
\n\n2.1.9. "AT MONEY SUBSCRIBER" means any person registered to use the AT Money System to send or receive money via the AT Money System.
\n\n2.1.10. "AT MONEY SYSTEM" means the system operated by AT in GHANA for the provision of electronic payments through mobile phones.
\n\n2.1.11. "APPLICATION/APPLICATION means the electronic application via the PROCESS" AT Money Service for a Mobile Money Loan using your AT Money PIN following the instructions specified in the USSD Menu;
\n\n2.1.12. "BOG” means Bank of Ghana.
\n\n2.1.12. "NCA" means the National Communications Authority
\n\n2.1.13. "CUSTOMER CARE CENTRE’’ means any AT Money call centre or such other outlets as may be published from time to time on the Website.
\n\n2.1.14. "E-MONEY'' means the electronic monetary value depicted in your AT Money Account representing an equal amount of cash available to you.
\n\n2.1.15. "DISBURSEMENT AMOUNT" means the amount of the Mobile Money Loan credited or to be credited to your AT Money Account as shall be notified to you by SMS.
\n\n2.1.16. "EQUIPMENT" includes your mobile phone handset, SIM Card and/or other equipment which when used together enables you to access the Network.
\n\n2.1.18. "MOBILE MONEY LOAN" means any Mobile Money Loan granted by SPEED MICROFINANCE LIMITED following your application.
\n\n2.1.19. "NETWORK" means the mobile cellular network operated by AT in Ghana.
\n\n2.1.20. "PO" means your personal offer setting out the Mobile Money Loan offered, the Disbursement Amount, the applicable Service Charge, and the Repayment Amount.
\n\n2.1.21. "REPAYMENT AMOUNT" means the total amount repayable on your Mobile Money Loan, inclusive of all Transaction Fees.
\n\n2.1.22. "REPAYMENT DATE" means the due date of the Repayment Amount being the date specified in the PO or such other date as may be notified to you by SPEED MICROFINANCE LIMITED.
\n\n2.1.24. "SERVICE FEE" means the agreed Service Charge due in respect to your Mobile Money Loan, as communicated in your PO.
\n\n2.1.25. "SERVICES" means the AT Money Services and shall include such loan service products that SPEED MICROFINANCE LIMITED may offer to subscribe from time to time and "Service"shall be construed accordingly.
\n\n2.1.26. "SUBSCRIBER ACCOUNT" means any current account with AT for mobile telephony services.
\n\n2.1.27. "SIM Card" means the subscriber identity module which when used with the appropriate mobile phone handset and AT Money PIN enables you to access the Network and to use AT Money System.
\n\n2.1.28. "SMS" means a short message service consisting of a text message transmitted from one mobile phone to another.
\n\n2.1.29. "TRANSACTION" means each transfer of funds or communication between us using the AT Money System.
\n\n2.1.30. "TRANSACTION FEES" includes any fees and charges payable for effecting Transactions in accordance with these Terms Conditions as shall be notified to you by SMS.
\n\n2.1.31. "USSD MENU" means the secure menu on the AT Menu System made available by AT for selection of various options relating to your application for a Mobile Money Loan.
\n\n2.1.32. "VAT" means Value Added Tax payable in GHANA
\n\n2.1.33. "WE," "OUR," and "US," means SPEED MICROFINANCE LIMITED and AT.;
2.1.35. "YOU" or "YOUR" means the Customer and includes the personal representatives of the Customer.
\n\n2.1.36. Words importing the singular meaning where the context so admits include the plural meaning and vice versa.
\n\n2.1.37. Headings in these Terms and Conditions are for convenience purposes only and they do not affect the interpretation of this Agreement.
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3. ACCEPTANCE OF THE TERMS AND CONDITIONS
\n\n3.1. Before applying for a Mobile Money Loan via the AT Money System you should carefully read and understand these Terms and Conditions which will, together with any PO accepted by you, constitute the Agreement between SPEED MICROFINANCE LIMITED for any Mobile Money Loan provided by SPEED MICROFINANCE LIMITED to you.
\n\n3.2. If you do not agree with these Terms and Conditions, please click "Cancel" on the relevant AT Money USSD Menu option.
\n\n3.3. You will be deemed to have read, understood and accepted these Terms and Conditions:-
\n\n3.3.1 Upon clicking on the "Proceed/OK" option on the AT Money USSD Menu requesting you to confirm that you have read, understood and agreed to abide with these Terms and Conditions as published on the Website; and/or
\n\n3.3.2 By using or continuing to use and access the AT Money USSD Menu for the application of Mobile Money Loans to your AT Money Account.
\n\n3.4. By applying for a Mobile Money Loan, you acknowledge and accept the obligations to adhere to the current and periodically updated Terms and conditions governing the operation of your AT Money Account and you affirm that these Terms and Conditions herein are without prejudice to any right that SPEED MICROFINANCE LIMITED may have with respect to your AT Money Account in law or otherwise.
\n\n3.5. These Terms and Conditions may be amended or varied by SPEED MICROFINANCE LIMITED from time to time by publication of revised terms in our Website and the continued use of your AT Money Account and acceptance of any Mobile Money Loans from SPEED MICROFINANCE LIMITED after the publication of any revised Terms and Conditions shall constitute your agreement to be bound by the revised Terms and Conditions.
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4. APPLICATION FOR A MOBILE MONEY LOAN
\n\n4.1 In order to apply for a Mobile Money Loan, you must be 18 years and above and of sound mind as legally required and must as well be a registered and active AT Money Subscriber. We reserve the right to verify with AT Money the authenticity and status of your Subscriber Account
\n\n4.2 You may apply for a Mobile Money Loan solely by way of the Application Process in response to an offer made to you to apply for a Mobile Money Loan using your Equipment and AT Money PIN via the AT Money USSD Menu on the AT Money System.
4.3 You hereby agree and grant us access to all personal information and data held by AT Money for the provision of AT Money's services and products including but not limited to your phone mobile number, name, date of birth, ID number and such other information that will enable us to identify you and comply with the regulatory "Know Your Customer" requirements. . You also hereby agree and authorize us to request AT Money to provide us with such information as we may require relating to your use of the AT Money Service and AT Money System for the purposes of providing you the Services ("SPEED MICROFINANCE LIMITED Information").
\n\n4.4 You hereby agree to give such consents as may be required by the NCA and BOG for the disclosure by AT Money and SPEED MICROFINANCE LIMITED of your Personal Information and SPEED MICROFINANCE LIMITED Information and for the exercise by AT Money and SPEED MICROFINANCE LIMITED of the rights specified herein over your AT Money Account.
4.5 We hereby reserve the right to request for further information from you pertaining to your application for a Mobile Money Loan or the subsequent operation of your AT Money Account at any time. Failure to provide such information within the time required by us may result in us declining to accept your application for a Mobile Money Loan or terminating the Mobile Money Loan facility on your AT Money Account.
\n\n4.6 Acceptance by SPEED MICROFINANCE LIMITED of your Application for a Mobile Money Loan shall be via SMS to the AT Money Mobile Phone Number associated with your Subscriber Account. You acknowledge and understand that our acceptance of your Application for a Mobile Money Loan does not create any contractual relationship between us until such time as the Mobile Money Loan has been disbursed into your AT Money Account.
\n\n4.7 SPEED MICROFINANCE LIMITED reserves the right to decline your Application for a Mobile Money Loan at SPEED MICROFINANCE LIMITED's sole discretion and without assigning any reason thereto.
\n\n5. AT MONEY LOAN
\n\n5.1 AT Money Account
\n\n5.1.1 As an AT Money Subscriber, you may, subject to these Terms and Conditions, apply for a Mobile Money Loan via the Application Process.
\n\n5.1.2 When you apply for a Mobile Money Loan, your Application shall be appraised according to our applicable loan appraisal. SPEED MICROFINANCE LIMITED reserves the right in its sole discretion and without assigning any reason to approve or decline your application for a Mobile Money Loan.
\n\n5.1.3 In the event that you are offered a Mobile Money Loan on terms set out in your PO, you may accept such offer on the USSD Menu by using your AT Money PIN.
\n\n5.1.4 We will notify you of the approval of your application for a Mobile Money Loan by way of an SMS setting out the Disbursement Amount to be deposited into your AT Money Account and all applicable Service Fees.
\n\n5.1.5 You will by responding to such offer accept such Mobile Money Loan on the terms set out in the PO and the terms and conditions specified herein.
\n\n5.1.6 If you are unsure about how the Repayment Amount has been calculated please call 100 designated Customer Care Centre for an explanation of the Repayment Amount. You must however obtain independent financial advice on whether or not to apply for or accept any Mobile Money Loan as SPEED MICROFINANCE LIMITED shall not be responsible for any inaccurate explanation/statements made or given by any Customer Care representative.
\n\n6. DISBURSEMENT OF LOAN
\n\n6.1 Subject to your acceptance of the offer of a Mobile Money Loan on the Terms and Conditions specified herein, the Disbursement Amount shall be credited into your AT Money Account within 60 minutes of notification of your Mobile Money Loan being approved, provided that your AT Money is active.
\n\n6.2 After the Disbursement Amount has been credited to your AT Money Account you will receive an SMS confirming the Disbursement Amount and the Repayment Amount due.
\n\n6.3 Speed Loan is for a fixed term of 30 days at a fixed interest rate of 5.9%
\n\n6.4 AT Mobile Commerce Shall be entitled under prior arrangements with AT Money to directly debit your AT Money Account after one (1) month from Disbursement Date, with all or any partial Repayment Amounts due to AT Money.
\n\n6.5 Within the 1st month from Disbursement Date, you shall directly pay Repayment Amounts (partially or in full) into SPEED MICROFINANCE LIMITED’s Account from your AT Money USSD menu. After the elapsed of the 1st month , you shall either continue paying directly or credit your AT Money Account in order for SPEED MICROFINANCE LIMITED to start deducting Repayment Amounts (partially or in full) from your AT Money Account into its SPEED MICROFINANCE LIMITED Account; A penalty fee of 15.5% of any amount that remains unpaid on the due date shall apply if you fail to repay in full by the due date
\n\n6.6 In the event that you have managed to repay your Repayment Amounts in full within one (1) month from Disbursement Date, you will be offered higher Mobile Money Loan amounts with better PO. We encourage customer loyalty and reward good repayment behaviour.
\n\n6.7 SPEED MICROFINANCE LIMITED shall hold any funds in your AT Money Account or any other Subscriber Account held with AT Money as collateral and security for any amounts outstanding and due from you to SPEED MICROFINANCE LIMITED in respect of your Mobile Money Loan, six (6) months past Disbursement Date. You hereby agree and confirm that SPEED MICROFINANCE LIMITED is entitled in its discretion to prevent or restrict you from withdrawing in whole or in part the funds in any AT Money Account held by you for so long as and to the extent that any Repayment Amount remains outstanding without giving any notice to you and/or without incurring any liability to you whatsoever in that connection. This right shall NOT be exercised within the first 6 months from Disbursement Date. Outstanding loan amount after 6months(180days) shall be referred to a Debt Collection Agency for follow -up and collection.
6.9 You hereby expressly consent and authorize SPEED MICROFINANCE LIMITED and AT to disclose, respond, advise exchange and communicate the details or information pertaining to any AT Money Account or other Subscriber Account held by you until the full payment of the Repayment Amount has been made to SPEED MICROFINANCE LIMITED.
\n\n6.10 You hereby expressly consent and authorize SPEED MICROFINANCE LIMITED and AT Money to share your phone number and AT usage data and transaction data to third party partners upon acceptance of a loan for the purposes of improving the quality and delivery of the service and to offer promotions both targeted and general with regards to the service.
\n\n6.11 You hereby expressly consent and authorise SPEED MICROFINANCE LIMITED and AT Money to send you promotional SMS notifications, repayment SMS reminders to repay your loan and other communication that may be deemed necessary from time to time.
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7. TERMINATION
\n\n7.1. Events of default –
\n\n7.1.1. Without prejudice to other provisions of these Terms and Conditions we may terminate the Mobile Loan facility on your AT Money Account and cease the receipt of subsequent Applications from you for a Mobile Money Loan or crediting your AT Money Account without any further E-Moneys in the event:
\n\n(a) Failure to pay the outstanding Repayment Amounts within 6 months from Disbursement Date or such other extended Repayment Date.
\n\n(b) Failure to comply with any conditions of this Agreement.
\n\n(c) Bankruptcy or unable to pay your debts.
\n\n(d) Death.
\n\n(e) Become mentally incapacitated or otherwise disabled so as to be unable to make any payments under this Agreement.
\n\n(f) The Subscriber Account with AT Money is terminated for whatever reason by either party.
\n\n(g) Any untrue or incorrect statement or representation or failure to disclose information relating to yourself or credit worthiness in your application or subsequently or do anything that may prejudice our rights.
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7.2. In the event that SPEED MICROFINANCE LIMITED terminates its relationship with AT Money for whatever reason, you will be notified by SPEED MICROFINANCE LIMITED and any Agreement with SPEED MICROFINANCE LIMITED will be terminated.
\n\n7.3. Upon termination of any Agreement with you, all or any Repayment Amounts owing to us will be payable in full.
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8. FEES AND OTHER CHARGES
\n\nAll applicable Transaction Fees if any shall be added to the Repayment Amount as specified in the PO and as reflected in your subsequent Statements. Service Fees should also be reflected in the PO.
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9. LEGAL AND OTHER COSTS
\n\n9.1. Failure to pay any part of the Repayment Amount within 6 months of the Disbursement Date (or on the extended Repayment Date),
\n\n9.1.1. We shall be entitled to charge reasonable costs incurred in recovering the Repayment Amount, to include telephone calls made to you during the period in which any Repayment Amount remains outstanding; and
\n\n9.1.2. We may not accept any further Applications for a Mobile Money Loan until such time as any Repayment Amount has been fully paid up.
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9.2. In the event that we need to initiate legal action against you, you will be responsible for covering all associated legal costs which will include but not be limited to:
\n\n9.2.1. legal fees.
\n\n9.2.2. collection charges and tracing fees.
\n\n9.2.4. Any Value Added Tax (VAT) incurred during the process of recovering or attempting to recover the monies owed by you will be your liability. These costs, along with any other outstanding amounts, will be included in the Repayment Amount due and will be debited from your AT Money Account without prejudice to any other rights of recovery from you.
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10. STATEMENTS
\n\n10.1 You may request for a statement or activity report in respect of your Mobile Money Loan status ("Statement") from your AT Money USSD menu.
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10.2 A Statement shall provide details of:
\n\n(i) The Repayment Amount (inclusive of all Transactions Charges).
\n\n(ii) A detailed list of all the transactions carried out by you in the past five days.
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10.3 You shall be responsible:
\n\n10.3.1 For ensuring that you are fully aware of the Transactions that have occurred on your AT Money Account.
\n\n10.3.2 For obtaining and checking your Statements for accuracy.
\n\n10.4 Failure to inform us in writing within seven(7) days from the date of receiving your Statement, denying liability for any debits listed on the Statement, will be taken to presume that you are liable for those debits.
\n\n10.5 For the avoidance of doubt failure to obtain or check your Statement shall not absolve you from your obligation to pay the Repayment Amount due.
\n\n10.6 Save for a manifest error, a Statement issued to you aforesaid in respect of your AT Money Account shall be conclusive evidence of the transactions carried out on your AT Money Account for the period covered in the Statement.
\n\n10.7 You hereby irrevocably authorize SPEED MICROFINANCE LIMITED to act on all Applications made by you (or purportedly from you) through the System and to hold you liable in respect thereof, notwithstanding that any such requests for disbursements are not authorized by you or are not in accordance with any existing mandates given by you.
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11. CUSTOMER'S EQUIPMENT AND CUSTOMER'S RESPONSIBILITIES
\n\n11.1 You shall be responsible for ensuring the proper performance of your Equipment and SPEED MICROFINANCE LIMITED shall not be responsible for any errors or failures caused by any malfunction of your Equipment or for any losses or delays caused by a failure of the AT Money System.
\n\n11.2 You shall follow all instructions, procedures and terms contained in these Terms and Conditions and any document provided by SPEED MICROFINANCE LIMITED concerning the use of the AT Money System.
\n\n11.3 You agree and acknowledge that you shall be solely responsible for the safekeeping and proper use of your Equipment and for keeping your AT Money PIN secret and secure. You shall ensure that your AT Money PIN does not become known or come into possession of any unauthorized person. SPEED MICROFINANCE LIMITED shall not be liable for any disclosure of your AT Money PIN to any third party and you hereby agree to indemnify and hold SPEED MICROFINANCE LIMITED harmless from any losses resulting from any AT Money PIN disclosure.
\n\n11.4 You shall take all reasonable precautions to detect any unauthorized use of the System and the Services. To that end, you shall ensure that all communications from SPEED MICROFINANCE LIMITED are examined and checked by you or on your behalf as soon as practicable after receipt by you in such a way that any unauthorized use of and/or access to the System will be detected.
\n\n11.5 You shall immediately inform SPEED MICROFINANCE LIMITED through the AT Customer Care Centre in the event that:
\n\n11.5.1 You have reason to believe that your AT Money PIN is or may be known to any person not authorized to know the same and/or has been compromised; and/or
\n\n11.5.2 You have reason to believe that unauthorized use of the Services has or may have occurred or could occur and a transaction may have been fraudulently input or compromised.
\n\n11.6 You shall at all times follow the security procedures notified to you by SPEED MICROFINANCE LIMITED from time to time or such other procedures as may be applicable to the Services from time to time.
\n\n11.7 You acknowledge that any failure on your part to follow the recommended security procedures may result in a breach of your AT Money Account's confidentiality. You shall particularly ensure that the AT Money System is not used on your Equipment using your AT Money PIN by anyone other than you.
\n\n11.8 You shall not at any time operate or use the AT Money System in any manner that may be prejudicial to SPEED MICROFINANCE LIMITED.
\n\n12. EXCLUSION OF LIABILITY
\n\n12.1 SPEED MICROFINANCE LIMITED will not be liable for any losses or damage suffered by you as a result of or in connection with:
\n\n12.1.1 unavailability of sufficient funds in your AT Money Account.
\n\n12.1.2 failure, malfunction, interruption or unavailability of the System, your Equipment, the Network, AT Money System and/or SPEED MICROFINANCE LIMITED Service.
\n\n12.1.3 the money in your AT Money Account being subject to legal process or other encumbrance restricting payments or transfers thereof.
\n\n12.1.4 your failure to give proper or complete instructions for payments or transfers relating to your AT Money Account;
\n\n12.1.5 any fraudulent or illegal use of the Services, the System and/or your Equipment or AT Money PIN or
\n\n12.1.6 Your failure to comply with these Terms and Conditions and any document or information provided by SPEED MICROFINANCE LIMITED concerning the use of the System and the Services.
\n\n12.1.7 any other circumstances whatsoever not within SPEED MICROFINANCE LIMITED's control including, without limitation, force majeure or error, interruption, delay or non- availability of the System, terrorist or any enemy action equipment failure, loss of power, adverse weather or atmospheric conditions, and failure of any public or private telecommunications system.
\n\n12.2 If for any reason other than a reason mentioned in subparagraphs 12, the Services are interfered with or unavailable, SPEED MICROFINANCE LIMITED's sole liability under this Agreement in respect thereof shall be to re-establish the Services as soon as reasonably practicable.
\n\n12.3 Under no circumstances shall SPEED MICROFINANCE LIMITED be liable to you for any loss of profit or anticipated savings or for any indirect or consequential loss or damage of whatever kind, howsoever caused, arising out of or in connection with any failure of the AT Money Service even where the possibility of such loss or damage is notified to SPEED MICROFINANCE LIMITED.
\n\n12.4 Should either of the above in 12.1 take place, you will not have the right to claim anything from us or to institute any counterclaim against us or to apply any set-off against us on any basis.
\n\n12.5 No dispute between you and AT will give you the right to be exempted from your obligation to pay the Repayment Amount owed on your AT Money Account.
\n\n12.6 All warranties and obligations implied by law are hereby excluded to the fullest extent permitted by law.
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13. INTELLECTUAL PROPERTY RIGHTS
\n\nYou acknowledge that the intellectual property rights in the AT Money System (and any amendments, upgrades, or enhancements thereto from time to time) and all associated documentation that SPEED MICROFINANCE LIMITED provides to you through the AT Money System or otherwise are vested either in SPEED MICROFINANCE LIMITED or in other persons from whom SPEED MICROFINANCE LIMITED has a right to use and to sub-license the AT Money System and/or the said documentation. You shall not infringe any such intellectual property rights.
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14. DISCLOSURE OF INFORMATION
\n\nYou hereby expressly consent and authorize AT to share your personal information with SPEED MICROFINANCE LIMITED (and its technical partners) and SPEED MICROFINANCE LIMITED shall disclose receive record or utilize your personal information or information or data relating to your Mobile Money Loan and any details of your use of the Services:
\n\n(a) to and from any local or international law enforcement or competent regulatory or governmental agencies so as to assist in the prevention, detection, investigation or prosecution of criminal activities or fraud.
\n\n(b) to and from SPEED MICROFINANCE LIMITED's service providers, dealers, agents or any other company that may be or become SPEED MICROFINANCE LIMITED's subsidiary or holding or related company for reasonable commercial purposes.
\n\n(c) to a Credit Reference Bureau.
\n\n(d) to SPEED MICROFINANCE LIMITED's lawyers, auditors or other professional advisors or to any court or arbitration tribunal in connection with any legal or audit proceedings.
\n\n(e) to AT in connection with the AT Money Services.
\n\n(f) for reasonable commercial purposes connected to your use of the AT Money Services, such as marketing and research related activities; and
\n\n(g) in business practices including but not limited to quality control, training and ensuring effective systems operation.
\n\nYou waive any rights or claims you may have against us relating to the provision of the aforesaid information by or to us in terms of this agreement.
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15. MISCELLANEOUS
\n\n15.1 This Agreement and any rights or liabilities accruing thereunder may not be assigned by you to any other person.
\n\n15.2 No failure or delay by either yourself or SPEED MICROFINANCE LIMITED in exercising any right or remedy hereunder shall operate as a waiver thereof, nor shall any single or partial exercise of any right or remedy prevent any further or other exercise thereof or the exercise of any other right or remedy.
\n\n15.3 The rights and remedies herein provided are cumulative and not exclusive of any rights or remedies provided by law.
\n\n15.4 If any provision of these terms and conditions shall be found by an administrative body of competent jurisdiction to be invalid or unenforceable the invalidity or unenforceability of such provision shall not affect the other provisions herein.
\n\n15.5 You consent to and authorise Speed Loan to communicate the following to you via SMS;
\n\n16. NOTICES
\n\n16.1 SPEED MICROFINANCE LIMITED may send information concerning the AT Money Account via SMS to the AT Money Mobile Phone number associated with your AT Money Account.
\n\n17. DISPUTE RESOLUTION, JURISDICTION AND ARBITRATION
\n\n17.1 You may contact the AT Customer Care Center to report any disputes, claims or SPEED MICROFINANCE LIMITED Account discrepancies.
\n\n17.2 Any dispute arising out of or in connection with this Agreement that is not resolved by the Customer Care Centre or failing that by the Managing Director of SPEED MICROFINANCE LIMITED, within thirty (30) days of service of notice of dispute may be referred to the Ghanaian Courts for resolution (The High Court, Commercial Division).
\n\n17.4 This Agreement shall be governed by and construed in accordance with the laws of the Republic of GHANA.
\n\n18. INCONSISTENCY OF TERMS
\n\nIn the event of any inconsistency between these Terms and Conditions and your PO, the terms of your PO will prevail.
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