FAQs | Star Oil Fuel Voucher System

Welcome to the Star Oil Voucher System (the "Application").

These Terms and Conditions ("Terms") form a legally binding agreement between you ("User", "you", or "your") and Star Oil Voucher System ("Company", "we", "us", or "our") governing your access to and use of the Application, including the purchase of digital fuel vouchers and the utilization of our in-app wallet feature.

By registering an account, topping up your in-app wallet, or purchasing a voucher, you explicitly agree to be bound by these Terms. If you do not agree to these Terms, do not use the Application.

1. Nature of the Service and Regulatory Compliance

1.1 Closed-Loop Ecosystem: The Application provides a proprietary, closed-loop digital ecosystem. The virtual "Wallet" contained within the Application is not a bank account, an electronic money deployment service, a mobile money wallet, or a public remittance tool.
1.2 Exclusivity of Use: Stored value balances inside the Application Wallet represent strictly non-refundable, non-transferable advanced-payment store credits. This balance can only be used to purchase proprietary fuel and lubricant vouchers issued by Star Oil within the Application.
1.3 Licensing Exemption: In accordance with the Payment Systems and Services Act, 2019 (Act 987) of Ghana, this service operates as a Closed-Loop Stored Value Facility and does not offer third-party transfers, public billing services, or cash withdrawals. Consequently, it does not function as an independent Payment Service Provider (PSP).

2. Account Registration and Security

2.1 Eligibility: You must be at least 18 years of age and possess a valid mobile money account or banking asset in Ghana to register an account.
2.2 Account Security: You are entirely responsible for maintaining the confidentiality of your login credentials, including Personal Identification Numbers (PINs) or One-Time Passwords (OTPs) generated during access or voucher activation.
2.3 Liability: Any transaction initiated through your authenticated account is legally deemed to have been authorized by you. The Company will not be liable for any losses resulting from unauthorized account access due to user negligence.

3. Payment Processing and In-App Wallet Top-Ups

3.1 Payment Intermediary: All inbound payments, including direct voucher purchases and in-app wallet top-ups, are processed securely through our licensed third-party payment gateway partners, Hubtel and Cellulant (Tingg).
3.2 Irreversibility of Voluntary Top-Ups: When you voluntarily choose to top up your in-app wallet using Hubtel and Tingg, your fiat currency is instantly converted into non-withdrawable, non-transferable in-app credits dedicated exclusively to buying Star Oil products. You cannot cash out, withdraw, or transfer wallet balances back to your Mobile Money or Bank Account.

4. Voucher Purchase, Activation, and Redemption

4.1 Voucher Issuance: Vouchers purchased via the Application are unique digital tokens containing distinct validation data (e.g., QR codes, alphanumeric strings, or OTP requirements).
4.2 Activation Requirement: For security purposes, all purchased vouchers must be explicitly activated within the portal/app interface before they can be presented for redemption at an authorized Star Oil filling station.
4.3 Redemption Verification: At the point of redemption, the redeeming station personnel will collect the redeemer’s phone number, and a One-Time Password (OTP) will be sent to confirm and extinguish the voucher balance. The Company is not responsible if a user shares their voucher imagery or code with an unauthorized third party who subsequently redeems it.

5. Refunds, Failed Transactions, and Reversals

5.1 Failed Direct Purchases: If you attempt to purchase a voucher directly through the Hubtel or Tingg gateway (bypassing the wallet balance) and your payment is successfully processed but the system fails to deliver the voucher, the Company will issue a transaction reversal. This reversal will be processed back to the original funding source (your Mobile Money or Bank Account) via Hubtel or Tingg. It will not be forcibly retained in your app wallet.
5.2 Wallet Purchases: If a voucher purchase made using an existing wallet balance fails to deliver, the underlying credits will be reversed immediately back to your in-app wallet balance. No cash or mobile money refunds will be offered for transactions funded by wallet credit.

6. Prohibited Activities

6.1 Prohibited Activities: You agree not to engage in any of the following activities:

Attempt to reverse-engineer, exploit, or extract cash from the wallet system.
Use the Application or voucher system to facilitate unauthorized currency exchange, debt collection, or money laundering.
Create multiple accounts using fraudulent or unverified phone numbers or identities.
Use any automated script, bot, or scraper to mass-purchase or scrape vouchers from our servers.

7. Limitation of Liability and Service Interruptions

7.1 As-Is Basis: The Application is provided on an "as-is" and "as-available" basis. While we strive for uninterrupted operations, the Company does not guarantee that the voucher platform or payment gateway integrations will always be free from delays, network downtime, or system timeouts.
7.2 Indirect Losses: To the maximum extent permitted under Ghanaian law, Star Oil and its technical partners shall not be held liable for any indirect, incidental, or consequential losses, including but not limited to fuel price fluctuations occurring between the time of voucher purchase and the time of physical station redemption.

8. Amendments and Termination

8.1 Right to Amend: The Company reserves the right to amend these Terms at any time. Changes take effect immediately upon being posted within the Application. Continued usage of the app following changes constitutes acceptance of the updated terms.
8.2 Suspension of Service: The Company reserves the absolute right to suspend or terminate any user account without prior notice if fraudulent activity, compliance warnings from Hubtel or Cellulant (Tingg), or violations of these Terms are detected. Any legitimate, untainted wallet credits held at termination will be reviewed on a case-by-case basis.

9. Governing Law and Dispute Resolution

These Terms shall be governed by, interpreted, and enforced in accordance with the laws of the Republic of Ghana. Any dispute arising out of or in connection with these Terms shall first be subjected to amicable, mutual settlement discussions. If a resolution cannot be reached within thirty (30) days, the matter shall be referred to the exclusive jurisdiction of the competent courts in Ghana.

10. Contact Information

For assistance, billing inquiries, or transaction disputes, please contact our support team via the following channels:

Email: info@staroil.com.gh
Phone: +233 55 144 4522 | +233 55 144 4511

Star Oil Voucher System - Terms and Conditions

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