Terms of Service

1. Who we are

Bright SecureTech Limited is a company based in Accra, Ghana.

We provide payment services that let businesses accept mobile money and card payments. Payments are processed through our licensed banking partner and the relevant mobile money networks.

2. Your account

To use our services you must be at least 18 years old and able to enter into a binding contract. You must give us true, complete and current information and keep it up to date.

One login can manage several businesses. Each business has its own dashboard, API keys, customers, payouts and settings. You are responsible for everything that happens under your login and your businesses, including actions by team members you invite.

• Keep your password and two-step verification codes private.
• Keep your secret API keys on your server. Never put them in a website, app or shared document.
• Tell us immediately at security@brightsecuretech.com if you think your account or keys have been compromised.

3. Verification and business types

Ghanaian law requires us to know who we do business with. Before a business can accept live payments it must be activated, and we may ask for more information at any time.

• Registered limited companies provide the Certificate of Incorporation, Form 3, a Ghana Card for every director, and proof of business address.
• Registered business names provide the Certificate of Registration, Form A, a Ghana Card for the owner or every partner, and proof of business address.
• Starter businesses (not yet registered) provide the owner’s Ghana Card (front and back), a selfie holding the card, date of birth and address. Starter businesses have a monthly collection limit of GH₵ 50,000 until they register and upgrade.

We may refuse, delay or reverse an activation if information is incomplete, cannot be verified, or does not meet our risk requirements. We may verify the information you give us with the National Identification Authority, the Office of the Registrar of Companies, and approved verification providers.

4. Our services

Depending on what is enabled for your business, our services include hosted checkout, payment links, invoices, split payments, refunds, an API with webhooks, reporting and payouts.

We decide which payment channels (mobile money, card or both) each business may offer, based on its activation and risk profile. Within those channels you choose which methods your customers see.

Test mode is for building and testing only. No real money moves in test mode, and test transactions have no legal effect.

5. Fees

We charge 2% of each successful payment, for both mobile money and cards, unless a different rate is agreed with you in writing. There is no setup or monthly fee.

Fees are deducted from the amount we pay out to you. Fees on refunded payments are not returned unless the law requires it. We will give you at least 30 days’ notice before increasing our fees.

6. Payouts

We pay out your collected funds, less fees, refunds, chargebacks and any amounts you owe us, to one mobile money wallet registered to your business. We only pay out to mobile money wallets.

• Mobile money payments are paid out on the schedule you choose: hourly, three times a day, afternoon, evening, next day, weekly or monthly.
• Card payments are paid out on the next business day (T+1). Weekends and public holidays move payouts to the next business day.
• The wallet name must match your business or its owner. Changing the payout wallet requires two-step verification, and payouts pause for 24 hours after a change.

We may hold a payout, in full or in part, where we reasonably suspect fraud, a breach of these terms, an unusual level of refunds or disputes, or where a regulator or court requires it. We will tell you why unless the law prevents us.

7. Refunds, disputes and chargebacks

You can refund a successful payment in full or in part from your dashboard or API. Refunds are taken from your balance or future payouts.

When a customer or their bank disputes a payment, we will notify you and you must respond with evidence before the deadline shown in your dashboard. If you do not respond, or if the card scheme or network decides against you, the disputed amount and any related fees will be deducted from your payouts.

You agree to keep records of every sale (such as receipts, delivery confirmations and customer messages) for at least six years, and to provide them on request.

8. What you may not use us for

You may not use our services for anything illegal in Ghana or that breaks the rules of the card schemes or mobile money networks. This includes, without limitation:

• Fraud, money laundering, terrorist financing, or receiving the proceeds of crime.
• Unlicensed gambling, lotteries, investment schemes, or deposit-taking.
• Selling illegal drugs, weapons, counterfeit goods, or stolen property.
• Pyramid or Ponzi schemes, and anything that misleads customers about what they are paying for.
• Processing payments for another business that has not been activated with us.

You must use the blacklist, risk rules and other tools responsibly and must not use them to discriminate unlawfully against customers.

9. Your responsibilities to customers

You are responsible for the goods and services you sell, for describing them accurately, for delivering them, and for handling customer complaints. You must show customers clear prices, your refund policy and your contact details.

You must only collect the customer information you need, keep it secure, and use it in line with the Data Protection Act, 2012 (Act 843).

10. Suspension and closing your account

You can close your account at any time from your dashboard or by contacting us, once any pending refunds, disputes and amounts owed are settled.

We may suspend or close a business or account, restrict payment channels, or hold funds if we reasonably believe you have broken these terms, if required by law or a regulator, or if continuing would expose us, our partners or customers to unacceptable risk. Where we can, we will give you notice and a reason.

11. Privacy and data

Our Privacy Policy explains how we collect and use personal data, including the data of your customers. By using our services you confirm that you have told your customers how their data will be shared with us to process payments.

We never ask for, and you must never send us, full card numbers or PINs outside the secure checkout.

12. Our brand and software

We own the Bright SecureTech name, logo, dashboard, checkout and API. We give you a limited right to use them to accept payments while your account is open. You may display our logo and “Secured by Bright SecureTech” on your checkout pages.

13. Liability

We will provide our services with reasonable care and skill. We are not responsible for delays or failures caused by banks, card schemes, mobile money networks, power or internet outages, or events outside our reasonable control.

To the extent the law allows, our total liability to you in any 12-month period is limited to the fees you paid us in that period. We are not liable for indirect losses such as lost profits or lost business. Nothing in these terms limits liability that cannot be limited under Ghanaian law.

You agree to cover our losses caused by your breach of these terms, your products or services, or claims by your customers.

14. Changes to these terms

We may update these terms. We will email you and show a notice in your dashboard at least 30 days before a material change takes effect. If you keep using our services after that, the new terms apply.

15. Governing law and complaints

These terms are governed by the laws of the Republic of Ghana. If you have a complaint, contact us first at support@brightsecuretech.com and we will respond within 10 business days.

If we cannot resolve it, either of us may refer the dispute to mediation and, if that fails, to arbitration under the Alternative Dispute Resolution Act, 2010 (Act 798), before going to the courts of Ghana. You may also have the right to complain to the Bank of Ghana.

16. Contact us

Bright SecureTech Limited, Accra, Ghana.

• Help and complaints: support@brightsecuretech.com
• Account or API key security: security@brightsecuretech.com
• Billing and fees: billing@brightsecuretech.com