TERMS AND CONDITIONS FOR RIDE WITH MoMo CAMPAIGN

1. Introduction
   The Ride with MoMo Campaign is organized by MobileMoney Fintech LTD (“MMFL”) to encourage the adoption and use of MoMo Pay and the MoMo App among commercial transport operators, online drivers (such as Yango , Bolt, Uber, amongst other similar platforms, and fleet partners across Ghana.
   Participation in the Campaign constitutes acceptance of these Terms and Conditions.
   
2. Campaign Period
   The Campaign shall run from 01 July to 30 September 2026.
   MobileMoney Fintech LTD reserves the right to extend, shorten, suspend or terminate the Campaign at its sole discretion.
   
3. Eligibility
   The Campaign is open to:
   • App-based ride-hailing drivers (including but not limited to Bolt, Uber, Yango and similar platforms)
   • Courier and delivery riders
   • Tricycle operators
   • Fleet partners and transport associations participating in the onboarding of drivers
   • Participants must:
   o Be at least 18 years old.
   o Possess a valid and active MTN MoMo account.
   o Successfully register as a MoMo Pay merchant where applicable.
   o Comply with all applicable laws and MobileMoney Fintech LTD policies.
   Employees of MobileMoney Fintech LTD and any persons directly involved in administering the Campaign may be excluded from selected incentive categories.
   
4. Merchant Onboarding
   A merchant shall be considered successfully onboarded only when:
   • The driver has completed MoMo Pay registration;
   The merchant account has been activated;
   • The driver completes at least one successful qualifying MoMo Pay transaction during the Campaign period.
   Only successfully onboarded merchants shall qualify for commissions and incentive calculations.
   
5. Fleet Partner Incentives
   a. Merchant Onboarding Commission Fleet partners shall receive:
   • GHS20 for every successfully onboarded merchant
   b. Monthly Fleet Performance Reward
   Fleet partners shall qualify for a GHS3,000 monthly reward where they:
   • Successfully onboard at least 100 active merchant drivers within a month; and
   • Each onboarded merchant has completed at least one qualifying transaction.
   The monthly reward is payable once per fleet partner for each month.
   
6. Driver Incentives
   Weekly Performance Reward
   Drivers shall qualify for:
   • 1GB data bundle
   provided they meet the following two conditions within one calendar week:
   • A minimum of 20 transactions; and
   • A cumulative transaction value of at least GHS1,000.
   Weekly Top Performer Reward
   The Top 10 drivers in each participating region based on transaction value shall receive:
   • GHS500 cash; and
   • 1GB data bundle.
   
   To qualify, participants must:
   Complete a minimum of 20 transactions, with a cumulative transaction value of GHS 1000 during the week.
   A driver may receive this reward only once within a calendar month.
   Monthly Regional Top Performer
   The highest-performing driver in each participating region during a calendar month shall receive:
   • GHS1,000 cash reward.
   
7. MoMo App Incentives
   MoMo App incentives shall apply only to drivers within the listed category who satisfy the required milestones.
   The applicable incentive structure is:

Action Required	Period	Incentive (GHS)
Initial download and App login	Month 0 (Initial month)	2
At least 70% of downloads in initial month should be active in order to qualify for the incentive payment.	Month 1 (30 days after the initial App download)	3
At least 50% of downloads in initial month should be active in order to qualify for the incentive payment.	Month 2 (60 days after the initial App download)	5

8. Transaction Requirements
   Only genuine (transactions that are not classified as fraudulent) transactions processed through MoMoPay shall count towards Campaign qualification.
   Transactions must:
   • Be successfully completed;
   • Not be reversed, refunded or cancelled;
   • Be processed during the Campaign period;
   • Meet all system validation requirements.
   MobileMoney Fintech LTD reserves the right to determine whether any transaction qualifies or not.
   
9. Reward Verification
   All commissions and incentives shall be subject to:
   • System validation;
   • Merchant verification;
   • Transaction verification;
   • Fraud screening;
   • Compliance checks.
   Rewards shall only be paid after successful verification.
   
10. Reward Payment
    Eligible rewards shall be paid into the participant’s registered MoMo wallet within timelines determined by MobileMoney Fintech LTD.
    MobileMoney Fintech LTD shall not be responsible for payment delays resulting from:
    • Incorrect account details;
    • Suspended or inactive wallets;
    • Regulatory restrictions;
    • Technical failures beyond its reasonable control.
    
11. Taxes
    Participants shall be solely responsible for any taxes, statutory deductions or obligations arising from rewards received under the Campaign where applicable under the laws of Ghana.
    
12. Data Privacy
    By participating in the Campaign, participants consent to MobileMoney Fintech LTD collecting, processing and using their personal information for:
    • Campaign administration;
    • Reward verification;
    • Performance monitoring;
    Customer support;
    • Regulatory compliance;
    • Marketing communications, where permitted by law.
    Participant information shall be handled in accordance with applicable data protection laws and MobileMoney Fintech LTD’s Privacy Policy.

13. Publicity
    Winners may be required to participate in publicity, media interviews, photography or promotional activities relating to the Campaign.
    By accepting a reward, participants grant MobileMoney Fintech LTD permission to use their name, image and likeness for promotional purposes without additional compensation, except were prohibited by law.
14. Right to Modify
    MobileMoney Fintech LTD reserves the right to:
    • Amend these Terms and Conditions;
    • Modify incentive structures;
    • Adjust qualification criteria;
    • Suspend or terminate the Campaign at any time where necessary.
    Any amendments shall become effective upon publication through official MobileMoney communication channels.
15. Limitation of Liability
    MobileMoney Fintech LTD shall not be liable for:
    • Network failures;
    • Delayed or failed transactions caused by third parties;
    • Technical interruptions;
    • Force majeure events;
    • Participant errors;
    • Losses arising from fraudulent activity committed by participants.
16. Disqualification
    MobileMoney Fintech LTD reserves the right to disqualify any participant who:
    • Breaches these Terms and Conditions;
    Provides false or misleading information;
    • Attempts to manipulate Campaign results;
    • Engages in conduct that may damage the integrity or reputation of the Campaign.

17. Dispute Resolution
    Any dispute arising under the Campaign shall first be referred to MobileMoney Fintech LTD for review.
    The decision of MobileMoney Fintech LTD regarding participant eligibility, transaction qualification and reward allocation shall be final.
18. Governing Law
    These Terms and Conditions shall be governed by and interpreted in accordance with the laws of the Republic of Ghana.
19. Acceptance
    Participation in the Drive with MoMo Campaign constitutes full acceptance of these Terms and Conditions.
20. Dispute Reputation
    The Partners hereby agree that, in the event of any dispute between them relating to this partnership, the Partners shall first seek to resolve the dispute through informal discussions. In the event any dispute cannot be resolved informally within sixty (60) calendar and consecutive days, the Partners agree that the dispute will be negotiated between them through mediation, if Partners can agree on a mediator.
    The costs of mediation shall be shared equally by the Partners. Neither Partner waives its legal rights to adjudicate this Agreement in a legal forum after exhaustion of the above.
21. Liability
    MMFL does not warrant that the performance rewards will be free of errors, faults or interruptions and we shall not be liable to you in connection with (but not limited to):
    Any cause beyond our reasonable control. Any delay in payment
    Any loss, claim or damage including loss or corruption of data howsoever arising.
22. Amendments
    MMFL reserves the right to amend or revise the Terms and Conditions at any time and will notify online drivers once such amendment is done. Any amendment or variation of these terms shall be available to online drivers via The Online Drivers Association Leadership These Terms & Conditions are valid until amended or suspended by MMFL.
23. Scope of Area: Across the country.