This Website Use Policy governs access to and use of the SharpSharp platform in Ghana. By accessing or using the platform, all users, customers, vendors, artisans, and service providers agree to comply with this policy and all applicable Ghanaian laws.
1. Acceptable Use
Users shall not engage in fraudulent activities, harassment, identity theft, money laundering, cybercrime, abusive behavior, illegal services, deceptive advertising, platform abuse, or misuse of customer information. SharpSharp reserves the right to suspend or terminate accounts violating this policy.
2. Vendor Verification & KYC
All vendors and service providers must complete Know Your Customer (KYC) verification before onboarding. Required information may include legal name, Ghana Card or Passport, address, phone number, selfie verification, bank or mobile money details, and business registration documents where applicable.
3. Anti-Money Laundering (AML)
SharpSharp may monitor transactions and vendor activity to prevent fraud, money laundering, terrorism financing, and suspicious activity. Enhanced Due Diligence may apply to high-risk vendors, politically exposed persons, or suspicious transactions.
4. Privacy & Data Protection
SharpSharp collects and processes personal information for service delivery, fraud prevention, customer support, regulatory compliance, dispute resolution, and platform security. Data may include contact details, payment records, identity documents, communications, geolocation data, and device information. Data processing is governed by Ghana’s Data Protection Act, 2012 (Act 843).
5. Payment & Settlement
Payments made by customers may be temporarily held pending completion of services and expiration of the dispute window. Vendor payouts may be delayed or suspended where fraud, disputes, or compliance concerns arise.
6. Refunds & Disputes
Customers may submit disputes relating to poor service, non-delivery, unauthorized transactions, fraud, or incomplete work. SharpSharp may review evidence including chat logs, photos, invoices, payment records, timestamps, and communications. Possible outcomes include refunds, partial refunds, service credits, or rejection of claims.
7. Trust & Safety
SharpSharp maintains fraud prevention, vendor monitoring, complaint management, and account security procedures to protect customers and vendors. Users may report scams, abusive conduct, theft, unsafe practices, or suspicious activity.
8. Complaints Handling
Complaints may be submitted through customer support channels. SharpSharp aims to acknowledge complaints within 24 hours and resolve disputes within 5–7 business days where reasonably possible.
9. Data Retention
SharpSharp retains KYC records, transaction records, complaints, communications, and dispute records for legal, regulatory, operational, and fraud prevention purposes. Data retention periods may range from 3 to 7 years, depending on the record category.
10. Limitation of Liability
SharpSharp operates as a technology marketplace connecting customers with independent vendors and service providers. SharpSharp does not guarantee uninterrupted services and shall not be liable for indirect, incidental, or consequential damages except where required by applicable law.
11. Compliance With Ghanaian Law
Users and vendors agree to comply with all applicable laws of Ghana, including the Data Protection Act, 2012 (Act 843), Cybersecurity Act, 2020, Electronic Transactions Act, 2008, and any applicable anti-fraud or financial crime regulations.
12. Policy Updates
SharpSharp reserves the right to update or modify this policy at any time. Continued use of the platform constitutes acceptance of any revised policy.
