Terms & Conditions

1. Eligibility

You must be at least 18 years old and hold a mobile number registered in your own name on a Ghanaian network to use the Services. Business features (bulk SMS, reseller API, agent accounts, USSD leases) additionally require that you are authorised to act for the business you register.

2. Your account and its security

• Your phone number is your identity. You sign in with a one-time code (OTP) sent by SMS, and then with a 4–6 digit PIN you choose, optionally protected by your phone's fingerprint or face unlock.
• Keep your PIN and one-time codes private. We will never ask you for your PIN, your OTP or your mobile-money PIN — by phone, SMS, WhatsApp or any other channel. Anyone who does is committing fraud.
• You are responsible for activity carried out with your PIN or on your registered device. Tell us immediately at support@allnett.net if you lose your phone, change your number or suspect unauthorised use, so we can lock the account.
• One account per mobile number. Accounts are personal to you and may not be sold or transferred.

3. The Services

AllNett is a reseller and aggregator. We buy airtime, data and bill-payment capacity from mobile network operators, licensed payment service providers and billers, and resell them to you. We are not a network operator, a bank or an electronic-money issuer, and we do not hold customer funds as stored value.

Because delivery depends on these third parties, we do not control their pricing, bundle definitions, network availability or processing times, and their own terms also apply to what you buy.

4. Pricing and payment

• All prices are in Ghana Cedis (GHS) and are shown to you before you confirm an order. Network and biller prices can change without notice; the price shown at the moment you confirm is the price that applies.
• Payment is by mobile money (MTN MoMo, Telecel Cash, AT Money) through licensed payment service providers. You authorise each payment on your own phone. We never see or store your mobile-money PIN.
• A payment provider or network may add its own charge to a transaction. Where we know of such a charge we disclose it before you confirm.
• Agents, resellers and bulk SMS customers are billed on the rates, discounts or credit terms in their own agreement or plan. SMS credits are prepaid and non-transferable.

5. Orders are final — check the number

6. Failed transactions and refunds

If you pay and the product is not delivered, you are entitled to a refund. In short: we reverse the payment to the mobile-money account you paid from, and if that reversal cannot be completed we credit an AllNett refund balance that you can spend on your next purchase. Full timelines, what qualifies and how to claim are set out in our Refund & Failed Transaction Policy, which forms part of these Terms.

7. Cashback, points and promotions

• Cashback and loyalty points are a discretionary reward, not money and not a deposit. They have no cash value until redeemed against a purchase, cannot be withdrawn or transferred, and may be subject to a minimum redemption threshold.
• Earning rates, thresholds and expiry may change, and we may end a rewards programme with notice in the app.
• We may cancel or claw back rewards obtained through abuse, error, self-dealing or transactions that are later reversed.
• Promotions and bonus bundles run only for their stated period and on their stated terms.

8. Agents

• Agents are independent sellers. You are not our employee, partner or legal representative, and you must not present yourself as one.
• You may resell at your own prices, but you must disclose your own charges honestly to your customers and must not claim they are AllNett fees.
• Commission is earned on successfully delivered transactions and is reversed if the underlying transaction is reversed or found to be fraudulent.
• You are responsible for your own taxes and for handling your customers' complaints about your own service, and you must keep your customers' data confidential.
• We may end an agent relationship where the agent commits fraud, abuses pricing, or damages the AllNett brand.

9. Reseller API

• API keys are confidential and identify your traffic. You are liable for every request made with your key; rotate it immediately if it may be exposed, and never embed it in a mobile app or front-end code.
• Use is subject to rate limits and to the balance or credit in your reseller account. We may throttle traffic that threatens platform stability.
• You must keep the callback/webhook endpoint you register available, and reconcile against our transaction status — a request that times out is not proof of failure until the status says so.
• You must not use the API to build a service that misrepresents its source, aggregates access to third parties who have not accepted these Terms, or circumvents network rules.
• We give notice of breaking API changes where reasonably practicable, and may make immediate changes required for security or by an upstream provider.

10. Bulk SMS, sender IDs and OTP

Messaging is additionally governed by our Acceptable Use Policy. The essentials:

• You may only message recipients who have consented to receive messages from you, and you must honour opt-outs promptly.
• Sender IDs must truthfully identify you or your business and are subject to approval; impersonating a bank, network, government body or any other party is prohibited.
• You are responsible for the content of every message sent from your account, and for compliance with Ghana's Data Protection Act, 2012 (Act 843) and the National Communications Authority's rules.
• Credits are consumed for messages actually submitted to the networks. Delivery depends on the mobile networks and delivery times are not guaranteed; a message rejected by a network for content or sender-ID reasons is not refundable.
• OTP delivery, including the *271*10# retrieval fallback, is provided on a best-effort basis. Codes are short-lived by design and are not stored in a readable form.

11. USSD extension lease

• A lease gives you a dedicated extension on AllNett's USSD service (for example *271*15#) on a monthly subscription. You do not acquire the short code, any NCA licence, or any ownership right in it, and the extension may not be sublet or transferred without our written consent.
• Provisioning, pricing and session limits are set out in the quotation we issue for your request. Subscriptions renew monthly until cancelled; either side may cancel with 30 days' written notice. Fees already paid for a started month are not refundable.
• You are responsible for the service behind your extension, its content, its own regulatory approvals and its own data-protection compliance towards your users.
• We may suspend an extension immediately for non-payment, fraud, abusive traffic, or on the instruction of a network or regulator.

12. Prohibited use

You must not, and must not allow anyone else using your account to:

• use the Services for fraud, money laundering, terrorist financing, or to launder value through airtime or data;
• impersonate another person or business, or use payment details you are not authorised to use;
• send spam, phishing, scam or other unlawful content, or content that is threatening, obscene or hateful;
• register accounts in bulk, or manipulate promotions, cashback, referrals or agent commission;
• probe, scrape, overload, reverse-engineer or attempt to bypass the security, rate limits or access controls of the Services;
• resell the Services in breach of a network's rules, or in any way that breaks Ghanaian law.

13. Suspension and closure

We may limit, suspend or close an account — with notice where practicable, and immediately where necessary — if we reasonably suspect fraud or abuse, if we are required to by a network, payment provider, regulator or court order, if a payment is charged back or unpaid, or on material breach of these Terms. Where an account is closed, any legitimate undelivered value or refund balance remains payable to you, subject to verification and to records we must keep by law.

You may close your account at any time — see Delete your account.

14. Availability and changes

We aim to keep the Services available at all times, but they may be interrupted by maintenance, network outages, upstream provider failure or events outside our control. Products, bundles, features, prices and providers may be added, changed or withdrawn. We may amend these Terms; the current version is always on this page with its date, material changes are announced in the app or by SMS, and continued use after a change means you accept it.

15. Liability

Nothing in these Terms excludes liability that cannot be excluded under Ghanaian law, including liability for fraud, or for death or personal injury caused by negligence. Subject to that:

• the Services are provided "as is", without implied warranties of uninterrupted or error-free operation;
• we are not liable for loss caused by details you entered incorrectly, by your failure to keep your PIN or API key secure, or by the acts, pricing, outages or delays of networks, billers or payment providers;
• we are not liable for indirect or consequential loss, loss of profit, revenue, data, goodwill or business opportunity, including revenue lost through undelivered SMS or an unavailable USSD extension;
• our total liability for any claim relating to a transaction is limited to the value of that transaction; for any other claim, to the total fees you paid us in the three months before the claim arose.

You indemnify us against claims, fines and reasonable costs arising from content you send, the service you run behind a leased extension, your resale activity, or your breach of these Terms or of applicable law.

16. Our brand and platform

The AllNett name, logo, app, dashboards, APIs and documentation belong to Pridam Investment Ghana Ltd or our licensors. You may use them only as needed to use the Services. Agents and resellers may state that they sell "powered by AllNett" services but may not use our marks in a way that suggests we endorse or operate their business.

17. Governing law and disputes

These Terms are governed by the laws of the Republic of Ghana, and the courts of Ghana have jurisdiction. Please raise any dispute with us first at support@allnett.net — most issues, especially transaction failures, are resolved quickly with the transaction reference. If we cannot resolve it within 30 days, either of us may pursue the matter through the Ghanaian courts, or through any applicable NCA or Data Protection Commission complaint procedure.

18. Contact

Pridam Investment Ghana Ltd (trading as AllNett)
Accra, Ghana
Email: support@allnett.net
Web: allnett.net · Support & contact

Related documents: Privacy Policy · Refund Policy · Acceptable Use Policy · Delete your account