1. About Cofred
1.1. Cofred is a trading name of Cofred Ghana Limited and Cofred Online International Limited, a company incorporated under the laws of the Republic of Ghana and the Federal Republic of Nigeria.
2.2. You are also advised to read the answers to the "Frequently Asked Questions" which are published on our Website.
2.3. Depending on the type of Cofred Account you have, additional terms and conditions may apply as communicated to you at the appropriate time.
3. Your Cofred Account
3.1. Your Cofred Account is an electronic money account which enables you to send and receive electronic payments.
3.2. Your Cofred account is denominated in four currecies i.e. (USD/EUR/GHS/NGN) depending on your country of resident. You can change the default currency of your Cofred Account within the currencies availiable in your acount and you can choose to disable any currency which you think you don't want to use at any particular period.
3.3. Subject to section 7, the electronic money held on your Cofred Account does not expire.
3.4. You have the right to transfer funds from your Cofred Account at anytime. However, you may be required to confirm your identity beforehand. The minimum transfer amount will be made known to you depending on the currency you want to transfer and the funds on your Cofred Account must be sufficient to cover any applicable transfer fee. You can choose the method of transfer when submitting your transfer request.
3.5. Electronic money held in your Cofred account are cash equivalent just like a bank account. However, we strictly adhere to the legal requirements under the Bank of Ghana's Branchless Banking Regulations which are designed to ensure the safety and liquidity of funds deposited in electronic money accounts. For further information on how we safeguard customer funds, please visit our Website.
3.6. The electronic money on a Cofred Account belongs to the person or legal entity which is registered as the Cofred Account holder. No person other than the Cofred Account holder has any rights in relation to the funds held in a Cofred Account, except in cases of succession. You may not assign or transfer your Cofred Account to a third party or otherwise grant any third party a legal or equitable interest over it.
3.7. Your Cofred Account may be subject to upload, payment and transfer limits, depending on your country of residence, the verification status of your Cofred Account and other factors used by us to determine such limits from time to time at our sole discretion.
4. Opening Your Cofred Account
4.2. If you are an individual, you must be 16 years or older to use our services and by opening a Cofred Account you declare that you are 16 years or older. This does not apply to products for which we set a different age limit. We may require at any time that you provide evidence of your age.
4.3. You may only open one Cofred Account unless we explicitly approve the opening of additional accounts.
4.4. By opening a Cofred Account you represent and warrant to us that your opening of a Cofred Account does not violate any local or corporate laws or regulations applicable to you. You shall indemnify us against any losses we incur in connection with your breach of this section.
4.5. All information you provide during the signup process or any time thereafter must be accurate and truthful.
4.6. You may only add payment instruments (such as bank accounts, credit cards or debit cards) to your Cofred Account if you are the named holder of that payment instrument. We take any violation of this requirement very seriously and will treat any attempt to add a payment instrument of which you are not the named holder as a fraudulent act.
4.8. Within 30 days of the date of opening your Cofred Account, you may close your Cofred Account at no cost by contacting Customer Service, however, if you have uploaded funds into your Cofred Account, you may be required to provide identification documents before being able to withdraw funds. Transactions and fees for transactions undertaken before you close your Cofred Account (including those transactions that are not revocable and have been initiated but not completed before closure of your Cofred Account) will not be refunded.
5. Maintaining Your Cofred Account
5.1. You must ensure that the information recorded on your Cofred Account is always accurate and up to date and we shall not be liable for any loss arising out of your failure to do so. We may ask you at any time to confirm the accuracy of your information or to provide documents or other evidence.
5.2. We may contact you by e-mail or in other ways described in section 19 with information or notices regarding your Cofred Account. It is your responsibility to regularly check the proper functioning of your e-mail account or other methods of communication that you have registered with your Cofred Account and to retrieve and read messages relating to your Cofred Account promptly. We shall not be liable for any loss arising out of your failure to do so.
5.3. Fund uploads, payments received, payments sent and fund transfers are displayed in your online transactions history together with the fees charged. Each transaction is given a unique transaction ID and shown in the transaction history. You should quote this transaction ID when communicating with us about a particular transaction. You should check your Cofred Account balance and transaction history regularly. You should report any irregularities or clarify any questions you have as soon as possible by contacting Customer Service.
5.4. Subject to the provisions of section 8 below, in order to claim a refund for an unauthorised or incorrectly executed payment transaction on your Cofred Account you must notify us without undue delay after becoming aware of the unauthorised or incorrect transaction and in any event no later than thirteen (13) months after the debit date of the transaction.
6. Keeping Your Cofred Account Safe
6.1. You must take all reasonable steps to keep your Cofred Account password safe at all times and never disclose it to anyone. Our personnel will never ask you to provide your password to us or to a third party. Any message you receive or website you visit that asks for your password, other than the Cofred Website or a Cofred payment gateway on a merchant website, should be reported to us. If you are in doubt whether a website is genuine, you should contact Customer Service. It is advisable to change your password regularly (at least every three (3) to six (6) months) in order to reduce the risk of a security breach in relation to your Cofred Account. We also advise you not to choose a password that is easily guessed from information someone might know or gather about you or a password that has a meaning. You must never allow anyone to access your Cofred Account or watch you accessing your Cofred Account.
6.2. If you have any indication or suspicion of your Cofred Account, login details, password or other security feature being lost, stolen, misappropriated, used without authorisation or otherwise compromised, you are advised to change your password. You must contact Customer Service without undue delay on becoming aware of any loss, theft, misappropriation or unauthorised use of your Cofred Account, login details, password or other security features. Any undue delay in notifying us may not only affect the security of your Cofred Account but may result in you being liable for any losses as a result. If you suspect that your Cofred Account was accessed by someone else, you should also contact the police and report the incident.
6.3. We may suspend your Cofred Account or otherwise restrict its functionality on reasonable grounds relating to the security of the Cofred Account or any of its security features or if we reasonably suspect that an unauthorised or fraudulent use of your Cofred Account has occurred or that any of its security features have been compromised. We will notify you of any suspension or restriction and of the reasons for such suspension or restriction in advance or, where we are unable to do so, immediately after the suspension or restriction has been imposed, unless notifying you would be unlawful or compromise our reasonable security interests. We will lift the suspension and/or the restriction as soon as practicable after the reasons for the suspension and/or restriction have ceased to exist.
6.4. You must take all reasonable care to ensure that your e-mail account(s) are secure and only accessed by you, as your e-mail address may be used to reset passwords or to communicate with you about the security of your Cofred Account. In case any of the e-mail addresses registered with your Cofred Accounts are compromised, you should without undue delay after becoming aware of this contact Customer Service and also contact your e-mail service provider.
6.5. Irrespective of whether you are using a public, a shared or your own computer to access your Cofred (Cofred ) Account, you must always ensure that your login details are not stored by the browser or cached or otherwise recorded. You should never use any functionality that allows login details or passwords to be stored by the computer you are using.
6.6. Additional products or services you use may have additional security requirements and you must familiarise yourself with those as notified to you.
7. Closing Your Cofred Account
7.1. You may close your Cofred Account at any time by contacting Customer Service.
7.2. If your Cofred Account holds a balance at the time of its closure, we will ask you to withdraw your funds within a reasonable period of time, during which your Cofred Account will be accessible for the purpose of withdrawing the remaining balance only. After the expiry of this period you will not be able to access your Cofred Account but you may withdraw any remaining funds by contacting Customer Service and requesting that the funds are sent to you in a manner that is reasonably acceptable for us. You may do so for a period of six years from the date of closure of your Cofred Account but we suggest that you withdraw your remaining funds as soon as possible as they will not earn any interest while being deposited in your Cofred Account. Your obligations with regards to keeping your Cofred Account safe as set forth in section 6 shall continue to apply.
7.3. We reserve the right to carry out any necessary money laundering, terrorism financing, fraud or other illegal activity checks before authorising any transfer of your funds, including and in relation to returning any funds to you after you have closed your Cofred Account.
8. Uploading Funds This section is related to following policies: **Delivery Policy **Return Policy **Refund Policy **Cancellation Policy.
8.1. You can upload funds by visiting the Website, logging into your Cofred Account and following the relevant upload instructions. You may be presented with a number of different upload methods, depending on which payment instruments you have added to your Cofred Account and which payment methods are available in your country of residence. Upload methods are payment services provided by third party financial institutions (for example, the issuer of the payment card you use to upload funds or third party direct banking service providers) and are not part of our service. We do not guarantee the use of any particular upload method made available, and may make changes to or discontinue the acceptance of any particular upload method at any time without following the procedure set out in section 18. Notwithstanding section 8.7 below, we shall not be responsible for the upload payment until the uploaded funds are received by us! Furthermore, all uploaded funds are to be spent on our products or services and should not be stored in your account more than seven (7) days from the time of upload!
8.2. You may be asked to answer security questions or to complete other activities that we may reasonably require to ensure proper authorisation of an upload transaction.
8.4. You may allow a merchant that you wish to pay through us on a regular basis (e.g. for a subscription service) to debit your Cofred Account for each recurring payment. In this case you authorise us to debit the payment instrument (e.g. your credit card or bank account) which you used to make the original payment also for each subsequent payment. In order to cancel recurring payments for the future, you should (a) contact us and (b) notify the merchant from which you have purchased the goods or services that you have cancelled the recurring payment. You should not cancel or otherwise reverse such recurring transactions by simply contacting the issuer of the payment instrument (e.g. your credit card provider or bank) without following the cancellation steps mentioned in this section 8.4. Subject to section 8.5, we will not be liable for any recurring payment(s) that are made before you have notified us of the cancellation and if your Cofred Account balance goes into negative as a result of such payment(s), you will be liable to repay such amount to us.
8.5. We will refund any past recurring payment(s) initiated by or through the merchant provided that (a) the original authorisation given to us or the merchant did not specify the exact amount of the payment and (b) the amount of the payment exceeded the amount that you could reasonably have expected taking into account your previous spending pattern and the circumstances of the case. You must request such a refund within eight weeks from the date the funds were debited from your Cofred Account. You agree to provide us with such information as is reasonably necessary to ascertain whether the conditions for a refund described in this section 8.5 are satisfied. Within ten (10) Business Days of receiving a request for a refund or, where applicable, of receiving any further information we requested from you, we will either refund the full amount of the payment or provide you with justification for refusing to refund the payment.
8.7. Uploaded funds will be credited to your Cofred Account after the funds have been received by us. Some upload transactions, such as those by credit or debit card, direct debit or direct banking will be credited to your Cofred Account immediately, but are subject to reversal in case the actual funds do not reach us within a reasonable time in which case we will deduct such reversed transaction from the balance of your Cofred Account. If your Cofred Account balance is insufficient, we reserve the right to require repayment from you.
8.8. For the purposes of an upload transaction through a payment instrument, we are a payment recipient and not a payment service provider.
8.9. You must not make an upload through a payment instrument if you are not the named holder of that payment instrument. We take any violation of this requirement very seriously and will treat any attempt to use a payment instrument of which you are not the named holder as a fraudulent act. Without prejudice to claiming further damages, if we are required to return funds uploaded from a payment instrument that is not in your name, we may charge an administration fee of GHs 25.00 per upload return.
8.10. Uploads may be subject to upload limits due to security and legal requirements. These limits are set dynamically depending on your verification status and the upload method you want to use. You should be aware that depending on your verification status your upload limits may be higher than your transfer or spending limits. You can view these limits at any time in the relevant section of your Cofred Account profile.
8.11. Uploads are subject to upload fees and currency conversion fees depending on which upload method and payment instrument is chosen. Please see section 14 for details.
8.12. The following situations is required to make a refund or attend to claims regarding payments made on the platform:
9. Sending Payments
9.1. To send a payment you are required to authorise the payment with your login details and password. We may also ask you additional security questions relating to you or your Cofred Account. If your Cofred Account is protected by additional security measures such as password tokens, you need to follow the instructions provided to you with such additional security measures. If your Cofred Account is enabled to make mass payments, the procedure to make such payments will be communicated to you in the relevant integration manual.
9.2. Every recipient of a payment you wish to send through us must have a valid e-mail address.
9.3. If you are asked to provide the recipient's e-mail address, you must take great care to properly type the exact e-mail address to which you wish to send money. We use the e-mail address as the unique identifier to determine the intended recipient of the payment which you instruct us to process. Other information you provide along with the recipient's e-mail address may be disregarded and we shall not be liable for any error you make when entering the recipient's e-mail address.
9.4. If the e-mail address of the intended recipient is registered with us, the funds will be instantly credited to the Cofred Account associated with that e-mail address, unless you use the Cofred Escrow Service as described in section 13. Once funds are credited to the recipient's Cofred Account, the transaction becomes irreversible.
9.5. If the recipient's e-mail address is not registered with us, we will send a notification e-mail to that e-mail address with instructions on how to claim and receive the payment. If the recipient does not claim the payment within 14 days, the transaction will be cancelled and the funds will be returned to you. You may also cancel the transaction at any time before the funds have been credited to the recipient's Cofred Account. To cancel a transaction you should log into your Cofred Account, locate the relevant transaction in your transactions history and select "Cancel".
9.6. You can make recurring payments by setting up a recurring payment order on your Cofred Account. You can cancel your recurring payment order for future payments at any point by logging into your Cofred Account and deleting it. You will not be able to cancel transactions that have already been credited to the recipient.
9.7. Payments are subject to payment limits due to security and legal requirements. These limits are set dynamically depending on your verification status. You can view these limits at any time in your Cofred Account profile. You should ensure that your limits are sufficient to cover the payment you intend to make as well as any applicable fees including service fees and currency conversion fees. You should be aware that the recipient of a payment may also be subject to spending and transfer limits and that this may affect the recipient's access to the funds you intend to send.
9.8. Sending payments is subject to fees and currency conversion fees depending on the type of payment you make and the type of Cofred Account you hold. Please see section 14 for details.
10. Receiving Funds
10.1. If you receive funds into your Cofred Account, we will send you a notification e-mail and display the payment as a "Receive Money" transaction in your transactions history. You should regularly reconcile incoming payments with your own records.
10.2. You should be aware that receipt funds to your Cofred Account does not necessarily mean that these transactions cannot be reversed. We reserve the right to reverse a payment in case the payer or the payer's bank or payment service provider has charged back or otherwise reversed (or is reasonably likely to charge back or otherwise reverse) an upload or other payment which was used to fund the payment to you.
10.3. If a person received a payment notification from us indicating that someone has sent them funds to an e-mail address that is not registered, they will not be credited with the payment until it has been claimed in accordance with the instructions laid out in the notification e-mail. Until then, there will be no contractual or fiduciary relationship between us and the intended recipient. The funds remain those of the sender.
10.4. You can request a payment from someone by using the "Receive Money" service within your Cofred Account. You must only use this service for undisputed amounts that a person owes you and that are due for payment in full. You may not use this service more than once for the same payment you request. This service may not be used as a debt collection or enforcement tool. If the person that owes you the payment asks you not to use Cofred' "Receive Money" service to request payment from them, you must comply with this request regardless of the merits of your claim. When using this service, you must ensure that you have the right to contact the person you are claiming from. You are strictly prohibited from requesting money by using the "Request Money" service within your Cofred Account from someone that does not owe you the amount requested; would be ineligible to open a Cofred Account (for example , minors); or has not given or has withdrawn his or her consent to receive a request for payment via the "Request Money" service; and we shall have the right to claim any damages or losses arising out of your breach of this section.
10.5. The receipt of payments is subject to fees and currency fees, depending on the type of payment you receive and the type of Cofred you have. Please see section 14 for details.
11. Prohibited Transactions
11.1. It is strictly forbidden to send or receive payments as consideration for the sale or supply of:
11.2. It is strictly forbidden to make payments to or to receive payments from persons or entities offering illegal lottery services. We may suspend or terminate your Cofred Account at any time or refuse to execute or reverse a transaction if we believe that you directly or indirectly use or have used your Cofred Account for or in connection with illegal lottery transactions.
11.3. We reserve the right to suspend or terminate your Cofred Account at any time if we reasonably believe to be required to do so by law or in order to comply with recommendations issued by a relevant government authority or recognised body for the prevention of financial crime.
11.4. It is strictly forbidden to use your Cofred Account for any illegal purposes including but not limited to fraud and money laundering. We will report any suspicious activity to the relevant law enforcement agency. You are prohibited from using your Cofred Account in an attempt to abuse, exploit or circumvent the usage restrictions imposed by a merchant on the services it provides.
11.5. You may only accept payments for certain categories of business after approval from us in our sole discretion. Such business categories include but are not limited to: money exchange or remittance businesses, including but not limited to bureaux de change, currency exchanges and purchase of travel money; the collection of any form of donations or payments to charitable or not-for-profit organisations; dealing in natural resources such as jewels, precious metals or stones; live streaming; the sale or supply of alcoholic beverages; the sale of supply of dietary supplements and alternative health products; any other business category published in an acceptable use policy on the Website from time to time.
11.6. If you conduct or attempt to conduct any transaction in violation of the prohibitions contained in this section 11 or without the necessary approval under section 11.5, we reserve the right to:
11.7. It is your and not our responsibility to ensure that you only send payments to or receive payments from persons or entities for the sale or supply of goods and services that you may provide or receive in compliance with any applicable laws and regulations. The mere fact that a person or entity accepts payments through us is not an indication of the legality of the supply or provision of their goods and services. If you are in doubt as to the legality of a supply or purchase, you should not continue with your payment.
12. Withdrawing Funds
12.1. You can request a transfer of all or part of the funds held in your Cofred Account at any time. To do this you must log into your Cofred Account and select a transfer method and enter the amount to be withdrawn. Withdrawal methods are payment services provided, at least in part, by third party financial institutions (for example, the bank where you hold a bank account). We do not guarantee the availability of any particular transfer method and may make changes to or discontinue a particular transfer method at any time without following the procedure set out in section 18 as long as there is at least one transfer method available to you. Where the transfer payment is received by you through the involvement of a payment service provider (such as the bank where you hold a bank account), we shall not be responsible for the transfer payment once the withdrawn funds are received by your payment service provider.
12.2. Your Cofred Account is subject to transfer limits. These limits are adjusted dynamically depending on the type of identification documentation we hold on you. You can view your transfer limits at any time in your Cofred Account profile. Before uploading any funds into your Cofred Account, you must ensure that your current transfer and spending limits meet your transfer and spending requirements as we legally cannot allow you to exceed these limits.
12.3. If your transfer request exceeds the current limit, we may decline your request and instead require you to send us documents verifying your identity and address prior to allowing a transfer of funds or to otherwise cooperate with us to verify your identity.
12.4. Withdrawals are subject to transfer fees depending on which transfer method and payment instrument is chosen. Please see section 14 for details.
12.5. For the purposes of a transfer transaction, we are a payer and not a payment service provider.
12.6. You must not make a transfer to a bank account or other payment instrument if you are not the named holder. We take any violation of this requirement very seriously and will treat any attempt to use a payment instrument of which you are not the named holder as a fraudulent act. Without prejudice to claiming further damages, if we are required to investigate a transfer to a payment instrument that is not in your name, we may charge an administration fee of up to GHs 20.00.
12.7. You must ensure that the payment details you enter when withdrawing funds are correct and complete. We will not be liable for withdrawn funds being sent to the wrong payment instrument where this is due to you providing incorrect payment details. When withdrawing to a bank account, you must ensure that the account number, account name, bank name, bank branch and/or sort code are correct. If you have withdrawn funds to the wrong payment instrument, you may request that we assist you in reclaiming the funds, however, we will charge you an administration fee of up to GHs50.00 for doing so and we cannot guarantee that the reclaim efforts will be successful.
13. Exchange Funds
13.1. Do not exchange from one currency to the other unless you intend to make immediate use of it (Transfer/Spend)! Failure to comply with this instruction, Cofred reserves the right to revert the said transaction using the same value with which it was initially exchanged not considering the current value for that currency.
14.1. Fees depend on whether you are using your Cofred Account for personal or commercial purposes.
14.3. Our Fees are either expressed as a percentage of the transaction or as a fixed amount in GHS. Where fixed fee amounts are displayed in a currency other than GHS, this is for information purposes only. If fees are deducted from a balance or a transaction denominated in a different currency, the GHS fee amount will be converted into an equivalent fee in that other currency based on the Cofred wholesale exchange rates applicable at the time and available under the "Currency Conversion Fees" section of the "Fees" section and then deducted. We will not apply a foreign exchange fee on currency conversions of fees.
14.4. Fees payable by you will be deducted from your Cofred Account balance and you hereby authorise us to do the same. Transaction fees will be charged when the transaction is executed. If your Cofred Account balance is insufficient to cover the fees, we may refuse to execute the payment. Reversal or chargeback fees will be deducted when incurred.
15. Your Data
16.1. In case of an unauthorised payment or a payment that was incorrectly executed due to an error by us, we shall at your request immediately refund the payment amount including all fees deducted therefrom. This shall not apply:
16.1.1. where the unauthorised payment arises from your failure to keep the personalised security features of your Cofred Account safe in accordance with section 6 in which case you shall remain liable for the first GHs 50.00 (or equivalent in the currency of your Cofred Account) unless section 16.1.3 applies;
16.1.2. if you fail to notify us without undue delay of any loss of your password or other event that could reasonably be expected to have compromised the security of your Cofred Account after you have gained knowledge of such event in which case you shall remain liable for losses incurred up to your notification to us;
16.1.3. in case the transaction was unauthorised but you have compromised the security of your Cofred Account with intent or gross negligence in which case you shall be solely liable for all losses; or
16.1.4. you fail to dispute and bring the unauthorised or incorrectly executed transaction to our attention within 13 months from the date of the transaction.
16.2. Section 16.1.1 shall not apply to transactions made after you have notified us in accordance with section 6.2 in which case we shall remain liable and refund any unauthorised transaction immediately to you.
16.3. Without prejudice to the foregoing, you are asked to check the transactions history of your Cofred Account regularly and frequently and to contact Customer Service immediately in case you have any questions or concerns.
16.4. In case of any incorrect or misdirected payment, we shall take reasonable measures to assist you with tracing and recovering such payments.
16.5. Subject to the foregoing, we shall not be liable for any disruption or impairment of our service or for disruptions or impairments of intermediary services on which we rely for the performance of our obligations hereunder, provided that such disruption or impairment is due to abnormal and unforeseeable circumstances beyond our reasonable control or the control of the intermediary affected.
16.6. We shall not be liable for any indirect or consequential losses including but not limited to loss of profit, loss of business and loss of reputation. We shall not be liable for any losses arising from our compliance with legal and regulatory requirements.
16.9. We shall not be liable for the assessment or payment of any taxes, duties or other charges that arise from the underlying commercial transaction between you and another Cofred customer.
17. Termination and suspension
17.1. We may terminate your Cofred Account or any payment service associated with it by giving you two months' prior notice. You may terminate your Cofred Account with us at any time. Different termination provisions may apply if you use your Cofred Account for commercial purposes as set out in section 4.7 above.
17.2. Together with a termination notice or at any time thereafter we may give you reasonable instructions on how to withdraw remaining funds.
17.3. If your Cofred Account is subject to a reserve, termination of your Cofred Account will not affect our right to hold the reserve and to make deductions therefrom for the time agreed.
17.4. We may at any time suspend or terminate your Cofred Account without notice in case:
17.4.2. you violate or we have reason to believe that you are in violation of any law or regulation that is applicable to your use of our services; or
17.4.3. we have reason to believe that you are in any way involved in any fraudulent activity, money laundering, terrorism financing or other criminal activity.
17.5. We may suspend your Cofred Account at any time if:
17.5.1. we reasonably believe that your Cofred Account has been compromised or for other security reasons; or
17.5.2. we reasonably suspect your Cofred Account to have been used or is being used without your authorisation or fraudulently; and we shall notify you either prior to the suspension or, if prior notification is not possible under the circumstances, promptly after the suspension unless we are prohibited by law to notify you.
18.2. We shall give notice to you of any proposed change by sending an e-mail to the primary e-mail address registered with your Cofred Account.
18.4. If you object to the changes, they will not apply to you, however, any such objection shall constitute a notice by you to terminate and close your Cofred Account. Your Cofred Account will be closed in accordance with the provisions of section 7 above.
19. How We Communicate
19.1. We usually communicate to you via our support center. For this purpose you must at all times maintain at least one valid e-mail address in your Cofred Account profile. You are required to check for incoming messages regularly and frequently. E-mails may contain links to further communication on our Website. Any communication or notice sent by e-mail will be deemed received by you.
19.2. Where legislation requires us to provide information to you on a durable medium, we will either send you an e-mail (with or without attachment) or send you a notification pointing you to information on our Website in a way that enables you to retain the information in print format or other format that can be retained by you permanently for future reference. You are required to keep copies of all communications we send or make available to you.
19.4. In order to view emails you need a computer with e-mails software that can display e-mails in HTML format. We may also send you attachments in Adobe Systems Inc.'s Portable Document Format (PDF), for which you need Adobe's Acrobat Reader, which can be downloaded for free at www.adobe.com.
19.5. We will never send you any e-mails with executable files attached or with links to any executable files. If you receive any e-mail with such attachments, you should delete the message without clicking on the attachment. If you are unsure whether a communication is originating from us, please contact Customer Service.
19.7. Apart from communicating via e-mail, we may contact you via letter or telephone, where appropriate. If you use any mobile services, we may communicate with you via SMS. Any communication or notice sent by post will be deemed received three days from the date of posting for UK post or within five days of posting for international post. Any communication or notice sent by SMS will be deemed received the same day.
19.8. You may contact us at any time by sending a message to Customer Service via the "Customer Support" facility on our Website or by calling (+233)207 972 542.
20.1. Any complaints about us or the services we provide should be addressed to us in the first instance by contacting Customer Service. You should clearly indicate that you are wishing to make a complaint to us. This helps us to distinguish a complaint from a mere query and we will response to your complain within 1 to 2 business days (48 hours) in accordance with our complaints procedure.
20.2. We endeavour to provide you with an answer or resolution to your complaint within reasonable timeframes. Should this not be possible due to unforeseen circumstances or lack of information, we will contact you.
"Business Day" means any day other than a Saturday or a Sunday or a public holiday in Ghana;
"Customer Service" means our customer service, which you can reach by sending a message through the "Contact Us" facility on the Website or by calling (+233)207 972 542;
"Escrow Service" means our secure payment system which can be used to hold funds in a secured intermediary trust account until a transaction concludes. Details are available on our Website;
"Fees" shall mean the charges payable by you to us for using our services;
"Cofred" shall mean Cofred whose registered office is at 1st Floor Kwarteng Plaza, New Market Road, Opposite SoccerBet, Kasoa, Central Region, Ghana and Suite 17, Block B Alausa Shopping Mall, 131 Obafemi Awolowo Way, Ikeja, Lagos State, Nigeria.;
"Cofred Account" shall mean the electronic money account you open and maintain through the Cofred Website;
"Cofred Website" or "Website" shall mean the website available at https://www.cofred.com;
"We", "us", "our", "Cofred" shall mean Cofred;
"You", "your" shall mean you, the natural person or legal entity in whose name the Cofred Account is opened and maintained.