Terms-and-conditions

Terms & Conditions

Carefully read the terms and conditions below and privacy policy before transacting with ghlotto.com. This is to ensure that you understand your legal obligations and rights with regard to ghlotto.com.

1. Rules

1.1 If you purchase from ghlotto.com, you are consenting to abide by all the provisions detailed in this agreement between ghlotto.com and you (the user).
1.2 ghlotto.com may add, change or remove certain sections of this agreement at any time. However, if it does so, the changes made will be displayed on this site and will come into force immediately.
1.3 If any provision included in this agreement is not clear to you, we request that you clarify first before transacting or ordering from us.

2. Description of Service

2.1 ghlotto.com is an intermediary Lottery Service, which buys lottery tickets on behalf of its users. When you play on our site, we will buy lottery tickets as instructed by you for the games you specify.
2.2 ghlotto.com is neither a direct nor an indirect affiliate of any lottery commission program or operator in Ghana. We do not sell lottery tickets; ghlotto.com receive commissions from lottery organizations in exchange for its service or participate in the earnings of winnings.
2.3 When someone places a bet on any of the games on ghlotto.com, ghlotto.com acts as an agent placing the bet on behalf of the user using ghlotto.com, delivering stakes waged by users and handing over to users the prizes/winnings received in accordance with these terms. In other words, ghlotto.com acts as an intermediary lottery service between the user and the licensed lottery operator(s) under the NLA in Ghana.

2.4 After the draw, you will  notify you of the lottery outcome and your purchase status. ghlotto.com will also inform you in the event you have won any winnings.
2.5 ghlotto.com has a password-protected section on its website that enables you to view your ticket purchase status, your tickets as well as other information pertaining to your account.
2.6 WINNINGS: ghlotto.com will do the best of its ability to detect when you win and help you in collecting your winnings from the lotteries you play.
2.7 The ultimate responsibility rests with you to inform ghlotto.com when you have not been credited.
2.8 In certain circumstances such as when a lottery requires additional identification or when you win a jackpot, the lottery organization may require that you physically appear so as to collect your prize.

3. Procedures for handling your winnings:

3.1 On your behalf, ghlotto.com offers to collect and transfer your prize from the lottery operator to your account.
3.2 Depending on the size of your winnings, we may send you an official lottery claim form that you fill, sign and send it back to us. We will then use this form plus your ticket to collect your winnings. The organization in charge of the lottery will send us a check bearing your name which only you can cash it or be deposited into a bank account in Ghana opened under your name.  Upon receiving the check, we shall notify you and make the necessary arrangements to enable you to receive the funds.
3.3 Where the lottery requires you to appear in person, you will do so and pick up your winning ticket at our offices.
3.4 Any third party costs incurred as a result of the winnings collection process including the transfer of monies to you and the handling of the winning ticket will be borne by you.
3.5 The responsibility for reporting your income including the payment of taxes to the relevant Federal and local authorities lies on you. Consenting to this agreement also means you acknowledge the lottery organization may on your behalf retain part of your winnings and directly forward it to the relevant tax authority.
3.6 Any winnings handled on your behalf by ghlotto.com will be credited directly to your ghlotto.com account. 
3.7 Any game played after a draw is automatically nullified and price is reversed to users credit balance.  

 3.8 If for some reason the lottery operator does not deliver the winning prize to us, we will not shoulder any obligation to compensate you a corresponding amount. However, we will avail your winning ticket to you so that you can collect your prize from the lottery operator in person.

4. Purchase Terms

4.1 LEGALITY: The validity of these terms and conditions is subject to the legal provision of Ghana. You are directly and solely responsible for ensuring the legal permissibility of this service.
4.2 ELIGIBILITY: ghlotto.com requires that all users be 18 years of age and above. You are allowed to access and use the Services only if you are legally permitted to do so via the laws of Ghana.
4.3 OWNERSHIP: As the ghlotto.com user, you are the lottery ticket sole owner and any winnings which arise from the tickets we buy on your behalf.
4.4 TRANSFER: You acknowledge that your lotto tickets can neither be transferred nor assigned to another party.
4.5 TAXES: As a ghlotto.com user, you are responsible for the payment of all relevant taxes associated with the income you receive from your lottery winnings.
4.6 CURRENCY: To the extent that we credit or transfer you any amounts under these Terms, we will do so in the Ghana Cedi currency. When you make payments to ghlotto.com, you can do so with only the Ghana Cedi currency.

4.7 CHARGES AND CANCELLATIONS: The purchase of a lotto ticket from ghlotto.com is a direct authorization by you to impose charges to your credit card or other forms of payment both for the ticket fees and any other goods or services pertaining to the site. After purchase has been made on site, ghlotto.com will not be able to refund the payment. However, if you believe you’ve been wrongfully charged, you may request a refund.
4.8 START OF PURCHASE: As soon as your payment is verified and ghlotto.com is able to buy a lottery ticket on your behalf, your purchase will commence immediately. Our system endeavors to prevent you from participating in the lottery draw in case of miss matching the due date. Therefore, if you suddenly bought the ticket after the draw begins, you will be automatically forwarded to the next draw.
4.9 TERM OF AGREEMENT: This agreement will take effect on the first date following the purchase of a lottery ticket on your behalf.
4.10 WINNINGS: All winnings will be processed as per the terms detailed in the ‘Description of Service’ section above. ghlotto.com will expend every effort to detect if you are a winner and collect all winnings on your behalf. We will notify you with immediate effect when we collect the said winnings. Upon the collection, ghlotto.com will ask you for guidelines on what to do with the winnings. In the event you do not contact ghlotto.com within 15 days after the winning draw date with elaborate instructions on how to process the winnings, all winnings will be transferred to your user account only if winnings are noticed by ghlotto.com.
ghlotto.com does not bear any responsibility for your winnings yet to be collected from the lottery organization. We are an intermediary Service and we will only attempt to collect your winnings on your behalf when instructed to do so by you. However, ghlotto.com has the ultimate responsibility to avail to you upon request your winning ticket.
We will also attempt to notify you of any prizes you win. As the user, you have the responsibility to inform ghlotto.com of any winnings within the time limits set by the respective lottery operators for prize claim.
4.11 WITHDRAWING WINNINGS: Small winnings will be credited to your account immediately. The minimum withdrawal amount is GHC10. Only winnings can be withdrawn. No charges are deducted from your winnings. By submitting a withdrawal request, you approve the amount to be sent to your payment number or account.
4.12 ERRONEOUS INFORMATION: ghlotto.com will carefully record the winning number for all official lottery drawings. In the event wrong information is sent over to you the user, you reserve no right to any claim as shown by such erroneous information. Instead, you waive any claim against ghlotto.com for receipt of erroneous information.
4.13 FORCE MAJEURE: ghlotto.com will not be liable for delay or failure in undertaking an obligation under this agreement such as collecting winnings and purchasing lottery tickets if it is prevented by causes beyond its control, including extreme weather, natural catastrophes, actions of lottery organizations or commissions, local and federal governments, slowdowns or transportation stoppages, computer viruses, war, network slowdown, or any reason deemed as beyond the control of ghlotto.com and its employees or agents.
4.14 JURISDICTION: This agreement shall be governed by the laws and regulations of Ghana.
4.15 SCOPE OF THE AGREEMENT: These terms and conditions including any future amendments or updates constitute the whole and entire agreement between ghlotto.com and any user registered to the site or taking part in the activities proposed by ghlotto.com. Any promise, presentation, consent or undertaking whether in writing or verbally which contravenes these terms and conditions will be null and void.
4.16 REFUND POLICY: If ghlotto.com is unable to fulfill an offer to purchase a ticket for a user for any reason whatsoever before the draw commences, the offer to purchase is void and a full refund will be made to the user's ghlotto.com account within 24 Hours.
4.17 PREDICTION SERVICE: ghlotto.com doesn’t offer prediction services for Ghana Lotto or any other lottery games.  

5. Disclaimer and Limitation of Liability

The materials presented on this site are provided as they are and have no warranty either implied or expressed such as implied warranties of merchantability, non-infringement, and fitness for a certain purpose. ghlotto.com does not guarantee the completeness, the usefulness or accuracy of any information on this site. ghlotto.com also does not warrant that the information contained in materials available on site or their functions are error-free or uninterruptible. You site user and not ghlotto.com, is responsible for the entire cost of all necessary repair, servicing, and correction.

Under no circumstances, will ghlotto.com assume liability for any consequential or special damages resulting from the inability to use or the use of information presented on this site irrespective of whether ghlotto.com has been notified of the possibility of such damages or not. ghlotto.com total liability including losses, damages, and causes of action will in no event exceed the amount you paid to ghlotto.com in the course of your last transaction for products or services purchased on this site. ghlotto.com shall not be held liable under any circumstances including negligence for the settlement of a lottery’s jackpot.

ghlotto.com is neither a lottery operator nor holds lottery draws. Each of your lottery participation is purely voluntary and done at your own risk. In case of any dispute with a lottery operator or other third party with regards to a lottery draw, you agree that ghlotto.com will not be held accountable for any damages or claims arising from such a dispute. ghlotto.com reserves the right but not an obligation to monitor such disputes.
Except otherwise stated, ghlotto.com does not make any warranties, representations or conditions either implied or express as to the safety of the information you provide or the activities you participate in during your use of the site.

6. Responsible Gambling Policy

ghlotto.com encourages responsible attitudes and approaches towards gambling. In this regard, we prohibit any person less than 18 years of age from participating or registering an account with us. We also recommend that all users limit their lottery draws participation and not entirely depend on the lottery as a source of income. In the event you strongly feel your usage of our services amounts to irresponsibility, we encourage that you review your participation before proceeding.

7. Assignment

The terms and conditions including any licenses and rights granted here should not be assigned or transferred by you the user but ghlotto.com reserves the right to assign without notifying you.

No applicable law may allow for the exclusion of the above limitations of liability or implied warranties.