2.1 Age Requirements

The Service is strictly available only to individuals who are eighteen (18) years of age or older. By registering for an account, you represent and warrant that:

• You are at least 18 years of age;
• You have the legal capacity to enter into a binding contract;
• You are not prohibited by law from accessing or using the Service;
• All registration information you submit is accurate, truthful, current, and complete;
• You will maintain the accuracy of such information and promptly update it as necessary.

2.2 Geographic Restrictions

The Service is currently available only to residents of Ghana. By using the Service, you represent and warrant that you are physically located in Ghana at the time of use. We reserve the right to verify your location using technical means, and to restrict or terminate your account if we determine you are accessing the Service from a prohibited jurisdiction.

2.3 Account Registration Requirements

To use the Service, you must create an account by providing the following information:

• Full legal name (first name and surname);
• Date of birth (for age verification);
• Gender;
• Valid email address;
• Active mobile phone number;
• Mobile money account number (for deposits and withdrawals);
• Country of residence;
• Unique username and secure password;
• Acceptance of these Terms and Conditions.

2.4 Account Verification

Upon registration, you will receive a verification code via SMS or email. You must enter this code within fifteen (15) minutes to complete the registration process. Failure to verify within this timeframe will result in automatic cancellation of the registration, requiring you to restart the process.

We reserve the right to request additional verification documents at any time, including but not limited to:

• Government-issued photo identification (Ghana Card, Passport, Driver's License);
• Proof of address (utility bill, bank statement);
• Proof of mobile money account ownership;
• Any other documentation we deem necessary to verify your identity or comply with regulatory requirements.

2.5 Account Security and Responsibility

You are solely responsible for maintaining the confidentiality and security of your account credentials. You agree to:

• Choose a strong, unique password that you do not use for other services;
• Keep your username and password confidential;
• Not share your account with any other person;
• Immediately notify us of any unauthorized use of your account or any other breach of security;
• Accept full responsibility for all activities that occur under your account;
• Ensure that you log out from your account at the end of each session.

YOU ACKNOWLEDGE AND AGREE THAT YOU SHALL BE LIABLE FOR ANY AND ALL ACTIVITIES CONDUCTED THROUGH YOUR ACCOUNT, WHETHER OR NOT SUCH ACTIVITIES WERE AUTHORIZED BY YOU. We shall not be liable for any loss or damage arising from your failure to comply with these security obligations.

2.6 One Account Per Person

You are permitted to maintain only one (1) account with the Service. Creating or maintaining multiple accounts is strictly prohibited and constitutes a material breach of these Terms. If we detect multiple accounts belonging to the same person, we reserve the right to:

• Immediately suspend or terminate all such accounts;
• Forfeit any balances, winnings, or bonuses in such accounts;
• Take any other action we deem appropriate, including legal action.

2.7 Account Termination by User

You may request closure of your account at any time by contacting customer support. Upon closure:

• Any remaining balance in your account will be paid out to your registered mobile money account within seven (7) business days, subject to verification;
• All unredeemed scratch cards will be forfeited;
• You will be excluded from any ongoing challenges or promotions;
• Your personal information will be retained as required by law and our Privacy Policy.

3.1 Nature of Gaming Services

GhScratch.com provides a community-based digital scratch card gaming platform where:

• Players purchase digital scratch cards at various price points;
• Players compete against other players in a peer-to-peer environment;
• There is no house edge or operator advantage in game outcomes;
• Prize pools are funded by player purchases;
• Winners are determined by matching symbols on scratch cards;
• Top players in each game compete for additional challenge rewards.

3.2 Available Games

The Platform currently offers six (6) distinct game types:

• Sports Game: Football, Basketball, Rugby, Tennis, Baseball
• Dice Game: Five dice, Four dice, Three dice, Two dice, One dice
• Fruits Game: Watermelon, Papaya, Kiwi, Orange, Banana
• Safari Game: Lion, Elephant, Giraffe, Ostrich, Parrot
• Aces Game: Ace, King, Queen, Jack, Ten
• Elite Game: Diamond, Gold, Silver, Bronze, Copper

We reserve the right to add, modify, or discontinue any game at any time without prior notice.

3.3 Card Purchase and Pricing

Digital scratch cards are available at the following price points:

• GH₵ 0.50 per card
• GH₵ 1.00 per card
• GH₵ 2.00 per card
• GH₵ 5.00 per card
• GH₵ 10.00 per card
• GH₵ 20.00 per card

You may purchase between one (1) and twenty-five (25) cards per transaction. We reserve the right to modify pricing at any time without prior notice. However, cards purchased prior to any price change will not be affected by such changes (i.e., price changes are not retroactive).

3.4 Winning Mechanics

Prizes are awarded based on matching symbols revealed on scratch cards:

• Three (3) matching symbols: Minimum prize tier
• Four (4) matching symbols: Medium prize tier
• Five (5) matching symbols: Maximum prize tier

Prize amounts vary by card price and game type. Prize tables are subject to change at any time without prior notice. However, cards purchased prior to any prize change will not be affected by such changes (i.e., prize changes are not retroactive).

3.5 Challenge System

Each game operates a Challenge system where:

• Players are ranked based on total redemptions (actual winnings and losses claimed);
• The top five (5) players in each game share a challenge reward pool;
• Reward distribution is as follows:
  • 1st Place: 50% of challenge pool
  • 2nd Place: 20% of challenge pool
  • 3rd Place: 15% of challenge pool
  • 4th Place: 10% of challenge pool
  • 5th Place: 5% of challenge pool
• Challenge periods and reward pools are determined by the Platform;
• Rankings update in real-time based on player activity.

3.6 Diamond Hall of Fame

The Diamond Hall of Fame recognizes the top five (5) players across all games combined based on total redemptions. This prestigious ranking is updated in real-time and may come with additional rewards or recognition at the Platform's discretion.

3.7 Card Validity and Expiration

Purchased scratch cards have no stated expiration date and remain valid indefinitely. However:

• We reserve the right to implement expiration dates in the future with reasonable notice;
• Unredeemed winning cards may be subject to dormancy fees if not claimed within a specified period (to be announced);
• We reserve the right to cancel unclaimed winnings after a reasonable period as required by law.

3.8 Service Availability

While we strive to provide uninterrupted service, we do not guarantee that:

• The Service will be available at all times or without interruption;
• The Service will be error-free or free from viruses or other harmful components;
• Any defects will be corrected;
• Your use of the Service will meet your expectations.

We reserve the right to suspend, modify, or discontinue the Service (or any part thereof) at any time, with or without notice, for any reason including but not limited to maintenance, updates, security concerns, or regulatory requirements.

4.1 Deposits

You may deposit funds into your account using the following approved payment methods:

• MTN Mobile Money
• AirtelTigo Mobile Money
• Vodafone Cash
• Other payment methods as may be added from time to time

All deposits are subject to the following terms:

• Minimum deposit amount as displayed on the Platform;
• Maximum deposit limits as may be imposed by the Platform or payment provider;
• Processing time varies by payment method but is typically instant;
• Deposits are non-refundable except as required by law or these Terms;
• You are responsible for all fees charged by your mobile money provider;
• Deposits must be made from an account in your own name;
• We reserve the right to reject or reverse any deposit at our discretion.

4.2 Withdrawals

You may withdraw funds from your account balance subject to the following conditions:

• Withdrawals are processed only to the mobile money number registered with your account;
• You must verify your identity before your first withdrawal;
• Minimum withdrawal amount as displayed on the Platform;
• Withdrawal requests require your account password for security verification;
• Processing time is typically instant but may take up to 24 hours;
• We reserve the right to impose daily, weekly, or monthly withdrawal limits;
• Withdrawals may be delayed or denied if there is suspicion of fraud, money laundering, or violation of these Terms;
• All withdrawals are subject to anti-money laundering verification.

4.3 Account Balance

Your account balance represents:

• Deposited funds;
• Winnings from scratch cards;
• Challenge rewards;
• Promotional bonuses (if applicable);
• Less: purchases, withdrawals, and any applicable fees.

You acknowledge and agree that:

• Your account balance does not constitute a deposit account;
• Your account balance does not accrue interest;
• We are not a financial institution and are not subject to banking regulations;
• Your account balance is held in trust for the purpose of facilitating gameplay;
• In the event of our insolvency, your account balance may not be protected.

4.4 Transaction Records

We maintain detailed records of all financial transactions. You may view your transaction history through your account dashboard. If you dispute any transaction, you must notify us within thirty (30) days of the transaction date. Failure to notify us within this period constitutes acceptance of the transaction.

4.5 Currency

All financial transactions on the Platform are conducted in Ghanaian Cedis (GH₵). We do not accept or process transactions in any other currency.

4.6 Dormant Accounts

If your account remains inactive (no login or transaction) for a period of twelve (12) consecutive months, it will be classified as dormant. We reserve the right to:

• Charge a monthly dormancy fee;
• Transfer unclaimed balances to the Gaming Commission as required by law;
• Suspend or close dormant accounts;
• Require re-verification before reactivating a dormant account.

We will make reasonable efforts to contact you before implementing dormancy measures.

5.1 Acceptable Use

You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree not to use the Service:

• In any way that violates any applicable national, federal, state, or local law or regulation;
• To engage in any conduct that restricts or inhibits anyone's use or enjoyment of the Service;
• To impersonate or attempt to impersonate the Company, a Company employee, another user, or any other person or entity;
• In any way that infringes upon the rights of others, or in any way is illegal, threatening, fraudulent, or harmful;
• To engage in any other conduct that, as determined by us, may harm the Company or users of the Service or expose them to liability.

5.2 Strictly Prohibited Activities

The following activities are expressly prohibited and will result in immediate account termination and potential legal action:

5.2.1 Fraud and Cheating

• Using any device, software, or technique to manipulate or interfere with the Service;
• Exploiting bugs, glitches, or errors in the Service;
• Using automated systems, bots, or scripts to interact with the Service;
• Colluding with other players to manipulate outcomes or rankings;
• Engaging in any form of "card counting" or pattern recognition beyond normal gameplay;
• Reverse engineering, decompiling, or attempting to extract source code from the Service;
• Creating or using multiple accounts to gain unfair advantage;
• Engaging in any form of arbitrage or bonus abuse.

5.2.2 Money Laundering

• Using the Service to launder money or finance illegal activities;
• Depositing and withdrawing funds without genuine gaming activity;
• Making deposits from accounts not in your name;
• Engaging in unusual transaction patterns that suggest money laundering;
• Refusing to provide identity verification documents when requested.

5.2.3 Account Violations

• Sharing your account credentials with others;
• Allowing others to use your account;
• Selling, transferring, or assigning your account;
• Creating accounts with false or misleading information;
• Using stolen or fraudulent payment methods;
• Accessing another person's account without authorization.

5.2.4 Platform Abuse

• Attempting to gain unauthorized access to any part of the Service;
• Interfering with or disrupting the Service or servers;
• Transmitting viruses, malware, or other harmful code;
• Conducting denial-of-service attacks or similar actions;
• Attempting to circumvent any security measures;
• Harvesting or collecting user information without consent;
• Framing or mirroring any part of the Service without authorization.

5.3 Consequences of Prohibited Activities

If we determine, in our sole discretion, that you have engaged in prohibited activities, we may:

• Immediately suspend or terminate your account;
• Forfeit all balances, winnings, and bonuses in your account;
• Reverse any transactions;
• Report the matter to law enforcement authorities;
• Pursue legal action to recover damages;
• Ban you from future use of the Service;
• Take any other action we deem appropriate.

5.4 Monitoring and Enforcement

We reserve the right, but not the obligation, to:

• Monitor all user activity on the Platform;
• Record and review all transactions;
• Investigate suspicious activity;
• Cooperate with law enforcement;
• Take any action we deem necessary to protect the integrity of the Service.

6.1 Ownership

The Service and all its contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, audio, design, selection and arrangement, and the underlying code) are owned by Diamond Card Limited, Sky Margins Limited, LaPalm Casino, or their licensors, and are protected by:

• Copyright laws of the Republic of Ghana;
• International copyright treaties;
• Trademark laws;
• Patent laws;
• Trade secret laws;
• Other intellectual property laws and regulations.

6.2 Trademarks

The following are trademarks or service marks of Diamond Card Limited and its affiliates:

• GhScratch and GhScratch.com
• Diamond Card Limited
• LaPalm Casino
• Sky Margins Limited
• All associated logos, designs, and slogans

You may not use these trademarks without our prior written permission. Any unauthorized use is strictly prohibited and may violate trademark laws.

6.3 Limited License

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to:

• Access and use the Service for your personal, non-commercial use;
• Download and print content for personal reference only.

This license does not include any right to:

• Resell or make commercial use of the Service or its contents;
• Modify, reproduce, distribute, or create derivative works;
• Download (other than page caching) or copy any portion of the Service;
• Use any data mining, robots, or similar data gathering methods;
• Frame or mirror any part of the Service;
• Reverse engineer any aspect of the Service.

6.4 User Content

If you submit, upload, or provide any content to the Service (including feedback, suggestions, or comments), you grant us a worldwide, perpetual, irrevocable, royalty-free, sublicensable, and transferable license to use, reproduce, modify, adapt, publish, translate, distribute, and display such content in any media.

6.5 DMCA Notice

If you believe that any content on the Service infringes your copyright, please notify us in writing with the following information:

• Identification of the copyrighted work claimed to be infringed;
• Identification of the material that is claimed to be infringing;
• Your contact information;
• A statement that you have a good faith belief that use of the material is not authorized;
• A statement that the information in the notification is accurate;
• Your physical or electronic signature.

7.1 "AS IS" and "As Available" Basis

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

7.2 No Guarantee of Winnings

WE MAKE NO REPRESENTATION OR WARRANTY THAT YOU WILL WIN ANY PRIZES OR THAT YOUR USE OF THE SERVICE WILL BE PROFITABLE. GAMING INVOLVES RISK, AND YOU MAY LOSE MONEY. PAST PERFORMANCE OR PAYOUTS DO NOT GUARANTEE FUTURE RESULTS.

7.3 Technical Disclaimers

We do not warrant that:

• The Service will be uninterrupted, timely, secure, or error-free;
• The results obtained from use of the Service will be accurate or reliable;
• The quality of any products, services, information, or other material obtained through the Service will meet your expectations;
• Any errors in the software will be corrected;
• The Service will be compatible with all devices or platforms;
• The Service will be available in all geographic locations;
• The Service will be free from viruses or other harmful components.

7.4 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL DIAMOND CARD LIMITED, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SUPPLIERS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

• Your access to or use of or inability to access or use the Service;
• Any conduct or content of any third party on the Service;
• Any content obtained from the Service;
• Unauthorized access, use, or alteration of your transmissions or content;
• Statements or conduct of any third party on the Service;
• Any errors or omissions in any content;
• Any loss or damage of any kind incurred as a result of your use of the Service;

WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), PRODUCT LIABILITY, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT WE HAVE BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE.

7.5 Maximum Liability

OUR AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE USE OF OR ANY INABILITY TO USE ANY PORTION OF THE SERVICE OR OTHERWISE UNDER THESE TERMS, WHETHER IN CONTRACT, TORT, OR OTHERWISE, IS LIMITED TO THE GREATER OF: (A) THE AMOUNT YOU HAVE PAID TO US IN THE SIX (6) MONTHS PRIOR TO THE EVENT GIVING RISE TO THE LIABILITY; OR (B) GH₵ 100.

7.6 Basis of the Bargain

You acknowledge that we have set our prices and entered into these Terms in reliance upon the disclaimers of warranty and limitations of liability set forth herein, that the same reflect an allocation of risk between the parties (including the risk that a contract remedy may fail of its essential purpose and cause consequential loss), and that the same form an essential basis of the bargain between us.

You agree to defend, indemnify, and hold harmless Diamond Card Limited, Sky Margins Limited, LaPalm Casino, and their respective officers, directors, employees, agents, affiliates, successors, and assigns from and against any and all claims, damages, obligations, losses, liabilities, costs, debt, and expenses (including but not limited to attorney's fees) arising from:

• Your use of and access to the Service;
• Your violation of any term of these Terms;
• Your violation of any third-party right, including without limitation any copyright, trademark, trade secret, or other property or privacy right;
• Any claim that your use of the Service caused damage to a third party;
• Your fraudulent, illegal, or wrongful use of the Service;
• Your breach of any representations or warranties made herein;
• Any content you submit, post, or transmit through the Service;
• Your violation of any law or regulation.

This indemnification obligation will survive termination of your account and these Terms. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter subject to indemnification by you, in which event you will cooperate with us in asserting any available defenses.

9.1 Commitment to Responsible Gaming

We are committed to promoting responsible gaming and preventing problem gambling. We encourage all users to gamble responsibly and within their means.

9.2 Self-Assessment

You should regularly assess whether your gaming activity remains within acceptable limits. Warning signs of problem gambling include:

• Spending more money or time gaming than you can afford;
• Chasing losses or trying to win back lost money;
• Gaming interfering with work, relationships, or other responsibilities;
• Borrowing money to gamble;
• Feeling guilty or anxious about your gaming;
• Lying about or hiding your gaming activity;
• Neglecting self-care or other important activities to gamble.

9.3 Self-Exclusion

If you believe you may have a gambling problem, you may request self-exclusion from the Service. Self-exclusion options include:

• Temporary Self-Exclusion: 24 hours, 7 days, 30 days, 3 months, or 6 months;
• Permanent Self-Exclusion: Indefinite exclusion from the Service.

During a self-exclusion period:

• Your account will be blocked from making deposits or purchases;
• You will not be able to log in to your account;
• You will not receive promotional materials;
• Any remaining balance will be refunded to you;
• You may not create a new account;
• Self-exclusion cannot be reversed before the end of the exclusion period.

9.4 Deposit Limits

You may set deposit limits on your account to help manage your spending. Available limit types include:

• Daily deposit limit;
• Weekly deposit limit;
• Monthly deposit limit.

Once set, deposit limits:

• Take effect immediately for increases;
• Require a 24-hour cooling-off period for decreases;
• Can be removed only after 7 days' notice;
• Cannot be circumvented by creating multiple accounts.

9.5 Reality Checks

We provide reality check notifications to remind you of how long you have been playing. You may customize the frequency of these notifications in your account settings.

9.6 Resources for Problem Gambling

If you or someone you know has a gambling problem, help is available:

• Ghana Gamblers Anonymous: [Contact information to be provided]
• National Problem Gambling Helpline: [Contact information to be provided]
• Counseling Services: [Contact information to be provided]

Your use of the Service is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our practices regarding the collection, use, and disclosure of your personal information.

10.1 Data Controller

Diamond Card Limited is the data controller for all personal information collected through the Service. Our contact information for data protection matters is:

Data Protection Officer
Diamond Card Limited
Accra, Ghana
Email: privacy@ghscratch.com

10.2 Your Data Rights

Under applicable data protection laws, you have the following rights:

• Right of Access: Request access to your personal data;
• Right to Rectification: Request correction of inaccurate data;
• Right to Erasure: Request deletion of your data (subject to legal obligations);
• Right to Restriction: Request limitation of data processing;
• Right to Data Portability: Receive your data in a portable format;
• Right to Object: Object to processing of your data;
• Right to Withdraw Consent: Withdraw consent where processing is based on consent.

To exercise any of these rights, please contact us at privacy@ghscratch.com. We will respond to your request within 30 days.

10.3 Data Retention

We retain your personal data for as long as necessary to:

• Provide the Service to you;
• Comply with legal obligations;
• Resolve disputes;
• Enforce our agreements.

Following account closure, we will retain your data for a minimum of seven (7) years as required by gaming regulations and tax laws.

11.1 Third-Party Payment Processors

We use third-party payment processors to facilitate financial transactions. These processors include:

• MTN Mobile Money;
• AirtelTigo;
• Vodafone Cash;
• Other payment providers as added from time to time.

Your use of these payment services is subject to their respective terms and conditions and privacy policies. We are not responsible for:

• The availability or performance of these services;
• Any fees charged by these services;
• The privacy practices of these services;
• Any disputes between you and these services.

11.2 Third-Party Links

The Service may contain links to third-party websites or services. We do not endorse or assume any responsibility for any such third-party sites, information, materials, products, or services. Your use of third-party websites is at your own risk and subject to the terms and conditions of those websites.

11.3 No Third-Party Beneficiaries

These Terms are for the benefit of, and will be enforceable by, the parties only. These Terms are not intended to confer any right or benefit on any third party or to create any third-party beneficiary rights.

12.1 Termination by Us

We reserve the right to suspend or terminate your account and access to the Service, immediately and without notice or liability, for any reason, including but not limited to:

• Breach of these Terms;
• Fraudulent, illegal, or abusive activity;
• Providing false information;
• Failure to verify your identity;
• Unusual or suspicious activity;
• Violation of applicable laws;
• At the request of law enforcement or regulatory authorities;
• If we cease to operate the Service;
• For any other reason we deem appropriate.

12.2 Effect of Termination

Upon termination or suspension of your account:

• Your right to use the Service will immediately cease;
• You will no longer be able to access your account;
• All licenses granted to you will terminate;
• We may, but are not obligated to, delete your account and all associated data;
• Unredeemed cards and unclaimed winnings may be forfeited;
• Any remaining balance may be withheld if there is suspicion of fraud or breach;
• You will remain liable for any outstanding obligations.

12.3 Refund of Balance

If your account is terminated for reasons other than fraud or breach of these Terms, any remaining balance in your account (excluding bonuses and promotional funds) will be refunded to your registered mobile money account within 30 days, subject to:

• Completion of identity verification;
• No outstanding disputes or investigations;
• Compliance with anti-money laundering procedures;
• Deduction of any outstanding fees or charges.

12.4 Survival

The following provisions will survive termination of your account and these Terms: Sections relating to Intellectual Property, Disclaimers, Limitations of Liability, Indemnification, Governing Law, and Dispute Resolution.

12.5 No Liability for Termination

We shall not be liable to you or any third party for any termination or suspension of your account or access to the Service.

13.1 Applicable Law

These Terms and your use of the Service shall be governed by and construed in accordance with the laws of the Republic of Ghana, without regard to its conflict of law provisions.

13.2 Regulatory Compliance

The Service is licensed and regulated by the Gaming Commission of Ghana. All gaming activities are subject to the Gaming Act of Ghana and regulations promulgated thereunder.

13.3 Jurisdiction

Subject to Section 14 (Dispute Resolution), you agree that any legal action or proceeding arising out of or relating to these Terms or your use of the Service shall be brought exclusively in the courts of the Republic of Ghana located in Accra, and you hereby irrevocably consent to the personal jurisdiction and venue of such courts.

13.4 Waiver of Jury Trial

TO THE EXTENT PERMITTED BY LAW, YOU AND WE EACH WAIVE ANY RIGHT TO A JURY TRIAL IN ANY PROCEEDING ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE SERVICE.

14.1 Informal Resolution

Before initiating any formal dispute resolution proceeding, you agree to first contact us at disputes@ghscratch.com to attempt to resolve the dispute informally. We will work with you in good faith to resolve the dispute within 30 days.

14.2 Arbitration Agreement

If we cannot resolve a dispute informally, you and we agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall be settled by binding arbitration administered by the Ghana Arbitration Centre in accordance with its Commercial Arbitration Rules.

14.3 Arbitration Procedures

• Seat of Arbitration: Accra, Ghana;
• Number of Arbitrators: One (1) arbitrator mutually agreed upon by the parties, or failing agreement within 30 days, appointed by the Ghana Arbitration Centre;
• Language: English;
• Costs: Each party shall bear its own costs unless the arbitrator determines otherwise;
• Confidentiality: All arbitration proceedings shall be confidential.

14.4 Class Action Waiver

YOU AND WE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR OUR INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, REPRESENTATIVE, OR COLLECTIVE ACTION.

Unless both you and we agree otherwise, the arbitrator may not consolidate more than one person's claims and may not otherwise preside over any form of a representative or class proceeding.

14.5 Exceptions to Arbitration

Notwithstanding the above, either party may bring an action in court to:

• Seek injunctive or other equitable relief;
• Enforce intellectual property rights;
• Seek relief in small claims court for disputes within its jurisdiction.

14.6 Severability

If any portion of this arbitration agreement is found to be unenforceable, the unenforceable portion shall be severed and the remaining arbitration terms shall be enforced.

We shall not be liable for any failure or delay in performance of our obligations under these Terms due to circumstances beyond our reasonable control, including but not limited to:

• Acts of God (earthquakes, floods, fires, storms);
• War, terrorism, or civil unrest;
• Government actions, laws, or regulations;
• Labor disputes or strikes;
• Telecommunications or internet failures;
• Power outages;
• Epidemic or pandemic;
• Supplier or third-party failures;
• Cyberattacks or hacking;
• Any other event beyond our reasonable control.

In the event of a force majeure:

• Our performance obligations shall be suspended for the duration of the force majeure event;
• We will make reasonable efforts to resume performance as soon as practicable;
• If the force majeure continues for more than 30 days, either party may terminate these Terms;
• We shall not be liable for any damages resulting from such suspension or termination.

16.1 Changes to Service

We reserve the right to:

• Modify, suspend, or discontinue any aspect of the Service at any time;
• Add or remove features, functions, or games;
• Change pricing, prize tables, or game mechanics;
• Impose limits on certain features or restrict access to parts of the Service;
• Make any other changes we deem necessary.

We will make reasonable efforts to notify you of material changes, but we are not obligated to do so.

16.2 Changes to Terms

We may modify these Terms at any time by:

• Posting the revised Terms on the Service;
• Updating the "Last Updated" date;
• Providing notice through the Service or via email (at our discretion).

Your continued use of the Service following any such modifications constitutes your acceptance of the revised Terms. If you do not agree to the modified Terms, you must stop using the Service.

17.1 Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices published by us on the Service, constitute the entire agreement between you and us concerning the Service and supersede all prior agreements and understandings.

17.2 Waiver

Our failure to enforce any provision of these Terms shall not be construed as a waiver of any provision or right. No waiver of any term shall be deemed a further or continuing waiver of such term or any other term.

17.3 Severability

If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, such provision shall be severed from these Terms and shall not affect the validity and enforceability of the remaining provisions, which shall remain in full force and effect.

17.4 Assignment

You may not assign or transfer these Terms or any rights granted hereunder, by operation of law or otherwise, without our prior written consent. We may assign or transfer these Terms and our rights and obligations hereunder without restriction. Any attempted assignment in violation of this section shall be null and void.

17.5 Headings

The section and subsection headings in these Terms are for convenience only and have no legal or contractual effect.

17.6 Language

These Terms have been prepared in English. If these Terms are translated into any other language, the English version shall prevail in case of any inconsistency or discrepancy.

17.7 Electronic Communications

By using the Service, you consent to receive electronic communications from us. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

17.8 No Partnership

Nothing in these Terms shall be deemed to create a partnership, joint venture, agency, or employment relationship between you and us.

17.9 Statute of Limitations

You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Service or these Terms must be filed within one (1) year after such claim or cause of action arose or be forever barred.

If you have any questions, concerns, or complaints about these Terms or the Service, please contact us:

General Inquiries:

Email: info@ghscratch.com
Website: www.ghscratch.com

Legal Matters:

Email: legal@ghscratch.com
Attention: Legal Department
Diamond Card Limited
Accra, Ghana

Data Protection:

Email: privacy@ghscratch.com
Attention: Data Protection Officer
Diamond Card Limited
Accra, Ghana

Dispute Resolution:

Email: disputes@ghscratch.com
Attention: Dispute Resolution Team
Diamond Card Limited
Accra, Ghana

Regulatory Authority:

Gaming Commission of Ghana
Accra, Ghana
[Contact details to be provided]

BY CLICKING "I ACCEPT" OR BY ACCESSING OR USING THE SERVICE, YOU ACKNOWLEDGE THAT:

• You have read and understood these Terms in their entirety;
• You agree to be bound by these Terms;
• You are at least 18 years of age;
• You have the legal capacity to enter into this agreement;
• All information you have provided is accurate and complete;
• You understand the risks associated with gaming;
• You agree to gamble responsibly;
• You consent to electronic communications;
• You understand that these Terms may be updated from time to time;
• You have had the opportunity to seek independent legal advice.

THESE TERMS WERE LAST UPDATED ON DECEMBER 22, 2024