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Terms and 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 and 

(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.

Refund Policy


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.


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 endeavor to process a return.


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.


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