Terms & Conditions

Welcome to Rancard Apps. By using Rancard Apps, YOU AGREE TO BE BOUND BY ITS CONDITIONS OF USE (explained below), Privacy Policy and all disclaimers and terms and conditions that appear elsewhere on the Rancard Apps portal, and website. References to “Rancard” or “Rancard Apps” herein refer to Rancard Solutions Limited. Rancard Apps reserves the right to make changes to the Rancard App website & portal and its

  • (a) Conditions of Use
  • (b) Privacy Policy
  • (c) Refund Policy
  • (d) Chargeback Policy

or any other process/policy at any time without advance notice (a, b, c and d are all available on the Rancard Apps portal & website). Each time you use the Rancard Apps portal & website, you should visit and review the then current Conditions of Use, Privacy, Refund and Chargeback Policies that apply to your transactions and use of the site. If you are dissatisfied with the Rancard Apps portal & website, its content or Conditions of Use, you agree that your sole and exclusive remedy is to discontinue using the Rancard Apps portal & website. Tampering with the site & portal, misrepresenting the identity of a user, or conducting fraudulent activities on the site is prohibited.

Disclaimers and Limitation of Liability

By using the Rancard Apps portal and/or website, you expressly agree that use of the Rancard Apps website/portal is at your sole risk. The Rancard Apps website/portal is provided on an "as is" and "as available" basis. Neither Rancard Apps, nor any of its associates, including but not limited to its directors, employees, developers, interns, agents, designers, contractors, merchants warrant that use of the Rancard Apps website/portal will be uninterrupted or error-free. Under no circumstances shall Rancard or its Associates be liable for any direct, indirect, incidental, special or consequential damages that result from your use of or inability to use the Rancard Apps website, including but not limited to your reliance, on any information obtained from the Rancard Apps website that results in mistakes, omissions, interruptions, deletion or corruption of files, viruses, delays in operation or transmission, or any failure of performance. The foregoing limitation shall apply in any action, whether in contract, tort or any other claim, even if an authorized representative of Rancard has been advised of or should have knowledge of the possibility of such damages. You hereby acknowledge that this paragraph shall apply to all content, merchandise and services available through the Rancard Apps website.

Pricing Policy

Rancard may charge a convenience fee for certain services. Other services may be offered at face value with no additional charge from Rancard. All convenience fees are subject to change.

Payments To Rancard

Rancard accepts multiple payment options. Payment options include but are not limited to MTN Mobile Money®, Direct Bank Transfer. Since most orders/services are digitally delivered, credit/debit cards and or mobile money accounts are generally either charged at the time you initiate an order or a bill sent to you at the end of a calendar month.

Validating Your Order

After you sign up to Rancard Apps, we will validate the information you give us, by verifying your method of payment. We reserve the right to reject a sign up you request with us, and/or to limit features to the portal, without giving any reason. If we reject your sign up request, we will attempt to notify you on the website/portal or using the e-mail address or phone number in your account. We will require your TIN to complete the signup process. This information will be collected either electronically or by a phone call from one of our representatives.

Termination of Use

Rancard may, in its sole discretion, terminate your account or your use of the Rancard Apps website/portal at any time. You are personally liable for any orders that you place or charges that you incur prior to termination. Rancard Apps reserves the right to change, suspend or discontinue all or any aspects of the Rancard Apps website/portal at any time without prior notice.

Privacy Policy

We take your privacy seriously, and we want you to know how we collect, use, share and protect your information. This Privacy Policy tells you,

  • (1) What information we collect
  • (2) How we use that information
  • (3) How we may share that information
  • (4) How we may share that information
  • (5) How we protect your information
  • (6) Your choices regarding your personal information

We may post additional information if more details are needed to explain our privacy practices. It applies to the Rancard products, website and all related sites, applications, services, platforms and tools regardless of how they are used.

SCOPE AND CONSENT

As a user/merchant, you accept this Privacy Policy when you sign up for, access, or use our products, services, content, features, technologies or functions offered on our website/portal and all related sites, applications, and services (collectively referred to as “Rancard Services”). This Privacy Policy is intended to govern the use of Rancard Services by users (including, without limitation those who use these Rancard Services in the daily course of their trade, practice or business) unless otherwise agreed through contract. We may amend this Privacy Policy at any time by posting a revised version on our webpages. The revised version will become effective as of the published effective date. Furthermore, if any revised version includes a substantial change in terms, users shall be informed via a notice posted on the "Policy Updates" page of our website.

INFORMATION WE COLLECT

We receive and may store any information you enter on our websites or provide through our mobile applications. For example, we collect information from you when you create an account, place an order or use any of our services. The information we collect from you include,

  • (1) Your Full Name
  • (2) Your Phone Number
  • (3) Your Email Address
  • (4) Your Company Name and Address & Address
  • (5) Your Tax Identification Number
  • (6) Industry Type

We may also collect information from or about you from other sources, such as through your contact with us, including our customer support team, your results when you respond to surveys, your interactions with members of Rancard or other companies (subject to their privacy policies and applicable law), and from other accounts we have reason to believe you control (whether in part or in whole). Additionally, for quality and training purposes or for its own protection, Rancard may monitor or record any communications with you or anyone acting on your behalf. By communicating with Rancard, you acknowledge that your communication may be overheard, monitored, or recorded without further notice or warning.

Third Party Sources

We may also obtain information about you from third parties such as credit bureaus and identity verification services as permitted by law. Users may also choose to provide us with access to certain personal information stored by third parties such as social media sites (e.g., Facebook and Twitter). However, the information we may receive varies by site and is controlled by that site. By associating a third party account managed by a third party with your Rancard account and authorizing Rancard to have access to this information, you agree that Rancard may collect, store and use this information in accordance with this Privacy Policy.

Automatic Information

Like many other websites, we also collect information through cookies and other automated means. Cookies are commonly used by websites to save data on your computer. The information we collect from cookies may include your IP address, browser and device characteristics, referring URLs, and a record of your interactions with our website. We use cookies to create a more personalized shopping experience on our websites.

Location Information

Some of our websites and mobile applications may collect certain information such as the type of mobile device you're using. To allow any application to identify your location, you must enable this functionality through your mobile device's settings to allow the use of technologies such as Wi-Fi, GPS signals, cell tower position, or other technologies. Rancard has no control over your device's settings.

HOW WE USE THE INFORMATION WE COLLECT

We use the information we collect for

  • (1) Fulfilling orders and requests for services or information
  • (2) Processing returns, exchanges and layaway requests
  • (3) Tracking and confirming online orders
  • (4) Marketing and advertising products and services
  • (5) Conducting research and analysis
  • (6) Establishing and managing your accounts with us
  • (7) Communicating things like special events,sweepstakes, promotions and surveys
  • (8) Facilitating interactions with Rancard and others, such as enabling you to email a link to a friend
  • (9) Operating, evaluating and improving our business

Additionally, we may contact you via electronic means to notify you regarding your account, to troubleshoot problems with your account, to resolve a dispute, to collect fees or monies owed, to poll your opinions through surveys or questionnaires, or as otherwise necessary to service your account. Furthermore, we may contact you to offer coupons, discounts and promotions, and inform you about Rancard Services. Finally, we may contact you as necessary to enforce our policies, applicable law, or any agreement we may have with you. When contacting you via phone, to reach you as efficiently as possible we may use, and you consent to receive, autodialed or pre-recorded calls and text messages. Where applicable and permitted by law, you may decline to receive certain communications.

Data Retention

We will retain your information for as long as your account is active or as needed to provide our services, comply with our legal obligations, resolve disputes, and enforce our agreement

HOW WE SHARE THE INFORMATION WE COLLECT

Rancard does not sell, rent or trade your personal information to third parties. Rancard may share your information with partner merchants to facilitate delivery of a service. We may share your information with partners to perform services on our behalf such as

  • (1) Updating customer accounts when a bill is paid
  • (2) Scheduling and performing services
  • (3) Fulfilling subscription services
  • (4) Fulfilling orders
  • (5) In certain cases, we may be required to share personal information in response to a regulation, court order or subpoena.

We may share information when we believe it's necessary to comply with the law. We may also share information to respond to a government request or when we believe disclosure is necessary or appropriate to protect the rights, property or safety of Rancard, our customers, or others; to prevent harm or loss; or in connection with an investigation of suspected or actual unlawful activity.

HOW WE PROTECT THE INFORMATION WE COLLECT

Rancard uses reasonable security measures to protect the confidentiality of personal information under our control and appropriately limit access to it. Rancard cannot ensure or warrant the security of any information you transmit to us and you do so at your own risk. We use a variety of information security measures to protect your online transactions with us. Our website uses encryption technology, such as Secure Sockets Layer (SSL), to protect your personal information during data transport. SSL protects information you submit via our websites such as ordering information, including your name, email address and your payment details.

YOUR CHOICES REGARDING THE INFORMATION WE COLLECT

You may choose to

  • (1) Update and correct your personal information
  • (2) Cancel your account or request that we no longer use your information to provide you services

To do any of these, let us know by one of these methods:

  • (1) Follow the directions in a marketing e-mail or direct mail or mobile communication that you receive from us
  • (2) Call Rancard with your request and current contact information
  • (3) Send an email with your request and current contact information to: support@rancard.com
  • (4) Send a letter with your request and current contact information to our address.

REFUNDS

Subject to applicable law include,

  • (1) All transactions done on Rancard Apps are final and any requests for refunds are subject to review
  • (2) For certain services, Rancard may refund any convenience fees associated with the purchase
  • (3) Rancard will not be liable for any damages whatsoever resulting from a wrong transaction
  • (4) Rancard may pass on any costs incurred for conducting a refund

Where required by law, refunds associated with certain transactions may be eligible for different treatment.

RIGHT TO REFUND

You, the merchant, are subject to a request for a refund of payments by a user/client as the result of this agreement if the service being paid for is not received/delivered/fulfilled from you, the service provider. You, as a merchant, are entitled to request a refund of payments as a result of this agreement if the service being paid for is not received/delivered/fulfilled to you, the service provider. If You want a refund, you must email Rancard, or deliver your written request to Rancard at our registered office. All refund requests will be dealt with high priority, and once reviewed and approved will be returned back to the original source of payment (eg. Mobile Money Account, or Direct Bank Transfer)

Note for Postpaid Services

Rancard does not normally provide refunds for transactions performed through our apps. However, under exceptional cases we will work with the biller to review your particular circumstance to address any issues you raise.

Note for Prepaid

Rancard keeps detailed logs of all transactions that take place. Rancard will conduct a detailed investigation of all refund requests for prepaid services. In cases where it is possible to "return" the services already paid we will endeavour to process a return.

ADDITIONAL RIGHTS

Nothing in our refund policy infringes on your rights to contest the decisions of your refund request by Rancard through your payment brand's refund/chargeback process. Rancard is fully compliant with each of the payment brands policies. It should be noted, however, that by using Rancard you are subject to the terms and conditions of our service.

CHARGEBACK

What is a Chargeback?

A chargeback is a reversal of a credit card transaction by your bank. Chargebacks are usually performed when fraudulent purchases have been made on a person’s credit card. You can initiate such a request if you find a charge on your account that you did not authorize, or a charge for an item that you did not receive. If you need to request a chargeback, please contact us first so we can help you resolve the issue. In most cases, our refund policy is the appropriate route to take instead of a chargeback request.

How does Rancard handle Chargebacks?

When Rancard receives a chargeback notice, the account from which the service was purchased is immediately blocked, and all associated services in the account are suspended. Without additional information, our policy is to treat chargebacks as a result of fraudulent activity. As a result, Rancard will suspend your account and send you email and/or text notification, requesting that you contact us to resolve the issue and reactivate your Rancard account. Rancard will evaluate all chargebacks requests. In cases where it is deemed to be fraudulent, the case will be turned over to the appropriate law enforcement agencies.

How do I cancel a Chargeback?

To undo a chargeback, you must contact your bank to issue a chargeback reversal. Please contact Rancard to inform us when the reversal is initiated so we can make a note on your account