MTN shall not be held responsible for any injury, loss, expense or damage of any kind whatsoever suffered or incurred by any person who accesses or uses this website or app (the User) as a result of the User accessing this website, utilizing any service offered on this website or relying on any information contained on this website for any reason whatsoever including but not limited to any injury, loss or damage suffered as a result of: 1.1 errors or discrepancies in the information provided
1.2 Any unauthorized access of this website by third parties
1.3 Any breakdown or failure of any equipment or medium of access to this website

MODIFICATION OF TERMS OF USE
MTN reserves the right, in its sole discretion, to amend (including without limitation, by the addition of new terms and conditions) these Terms of Use at any time and from time to time without notice to you. Any such amendments shall come into effect immediately and automatically. You undertake to review these Terms of Use regularly prior to use of this application for any such amendments.

DEFINITIONS
3.1 The following terms shall have the corresponding meanings assigned to them:
3.1.1. Intellectual Property means, collectively, the patents, copyrights (and moral rights), Trade Marks, designs, models, brands, names, trade names, graphics, icons, hyperlinks, Know-How, trade secrets and any other type of intellectual property (whether registered or unregistered including applications for and rights to obtain or use same) which are owned by, licensed to, used and/or held (whether or not currently) by MTN on or in connection with this application.
3.1.2. Know-How means all the ideas, designs, documents, diagrams, information, devices, technical and scientific data, secret and other processes and methods used by MTN in connection with this website, as well as, all available information regarding marketing and promotion of the products and services described in this website, as well as all and any modifications or improvements to any of them.

INTERPRETATION
4.1 Unless the context requires otherwise or it is expressly stated to the contrary, any words and phrases:
4.1.1. defined in these Terms of Use will bear the same meaning throughout these Terms of Use.

OTHER TERMS AND CONDITIONS
Certain products and/or services offered on this website may be subject to additional terms and conditions as indicated on that part of the website (see Product Terms and Conditions) and your use of those products and/or services will also be subject to those additional terms and conditions governing those relevant products and/or services. To the extent that those additional terms and conditions conflict with these Terms of Use, then those additional terms and conditions shall take precedence.

1. MTN's enhancement to your privacy MTN Proprietary Limited, Registration Number: 1993/001411/07 ("“MTN") respects the privacy of our customers’ personal information which should be protected through the use and interaction with www.mtn.com.gh and all associated websites, mobile applications, products and services. We have prepared this MTN Customer Privacy Policy and notice ("this policy") to notify you of: the type of personal information we collect from you, our customers and/or users; how we will treat that personal information and; the circumstances under which we will share it with third parties.

2. Who is the Customer? A customer is a person (individual or organisation) who enters into a contract with MTN, or any MTN Affiliate, for the receipt of Services or Products, for its own use (as part of an integrated solution provided by MTN or any MTN Affiliate). Customers who act of behalf of an organisation may only use the MTN websites, mobile applications, products and services with authorisation from the organisation. Customers who are natural persons must be 18 years or older. If you are under 18 years, you may only use the MTN websites, mobile applications, products and services with the assistance of a parent or guardian who has provided consent for you.

3. Who is the user? A user is a person (individual or organisation) who uses the MTN websites, mobile applications, products and services.

4. Consent from you MTN will not collect or process customer and/or user personal information without obtaining the customer and/or user's consent. Your consent is obtained in terms of a legally binding agreement, which includes the applicable commercial terms and conditions, website, mobile applications terms and conditions and this policy (for example, MTN Subscriber Agreements, Pre-paid terms and conditions, Master Services/Reseller Agreements and Registrations or signing up of any MTN online services and products and this policy). By accepting to the above-mentioned terms and conditions, you are accepting the terms and conditions of this Privacy Policy and provide MTN with consent for the processing of your personal information and accepting the practices described in this policy.

5. Who does this policy apply to? This policy applies to: All customers and/or users who are natural persons; and All customers and/or users who are organisations; That uses MTN’s websites, mobile application, products and services

6. What we collect about you? On some websites, mobile applications, products and services which you are subscribing to and purchasing, you may be requested to provide your personal information which is relevant to the type of services and products. In general, personal information is information which identifies you as an individual, such as: your first and last name; your ID number; your phone number; payment information and; your preferences. Personal information is information which identifies you as an individual, which includes - • Any identifying number symbol such as cell phone number, account number, handset code, e-mail address, physical address, telephone number, location information, online identifier or other assignment to the person.