Acceptable Use Policy

1. What this policy covers

This policy applies to everyone who uses VerifyGH. Accepting it is a condition of creating an account and of every purchase you make. It sits alongside our Terms of Service, and where the two overlap, the stricter rule applies.

2. What VerifyGH is for

VerifyGH lets people in Ghana pay with Mobile Money for verification services supplied by an authorised third-party provider. Legitimate uses include:

• Receiving a one-time verification code for an account you are entitled to hold.
• Testing your own application's SMS or voice verification flow during development.
• Keeping a personal number private when signing up to a service that requires phone verification, where that service permits it.
• Business use where phone verification is a step in a process you are authorised to carry out.

3. Prohibited uses

You must not use VerifyGH, or anything obtained through it, for any of the following. This list is illustrative, not exhaustive.

3.1 Fraud and deception

• Fraud of any kind, including financial fraud, payment fraud and chargeback abuse.
• Impersonating another person, business or public body, or creating accounts in someone else's name.
• Creating or supporting fake identities, fake reviews, or fake engagement.
• Phishing, social engineering, or any attempt to obtain credentials or money by deception.
• Money laundering, terrorist financing, or handling the proceeds of crime.

3.2 Evading controls

• Evading a ban, suspension, block or other enforcement action taken against you by any service.
• Circumventing identity verification, KYC or AML requirements imposed by any platform, financial institution or regulator.
• Bypassing or defeating a platform's security controls, rate limits, anti-abuse systems, or fraud detection.
• Creating accounts at scale in breach of a service's terms, including bulk or automated registration.

3.3 Harm to others

• Spam, unsolicited bulk messaging, or any form of messaging abuse.
• Harassment, stalking, threats, or intimidation.
• Anything involving the exploitation or endangerment of children.
• Distributing malware, or supporting an attack on any system or network.

3.4 Breaching third-party terms

• Using a number in a way that breaches the terms of service of the platform you are verifying with. You are responsible for reading and following those terms - we are not affiliated with, and do not speak for, any of them.
• Reselling, sharing or transferring access to a number you obtained through VerifyGH.

3.5 Misuse of VerifyGH itself

• Sharing your account credentials, or letting another person use your account.
• Creating multiple accounts to get around a limit, a suspension or a pricing rule.
• Attempting to interfere with, probe or overload our systems, or to access data that is not yours.
• Automating VerifyGH outside of an API arrangement we have agreed with you in writing.

4. How we enforce this

We use proportionate controls to keep the platform safe and lawful:

• Limits. Deposits, daily spending and order velocity are capped. These protect both you and the platform.
• Monitoring. We record authentication activity, coarse device signals and order patterns to detect abuse. We record only what this purpose requires - see our Privacy Policy.
• Review. Automated signals are advisory. A person reviews them before any account is suspended, and that decision is logged with a reason.
• Provider rules. Our upstream provider imposes its own restrictions. Where they are stricter than ours, theirs apply, and we will not help you work around them.

5. What happens if you breach this policy

Depending on what happened and how serious it is, we may:

1. Contact you to ask about the activity.
2. Apply a temporary limit to your account.
3. Suspend your account, with the reason recorded and available to you on request.
4. Close your account permanently and refuse future service.
5. Report the matter to the relevant authorities, our payment provider, or the affected platform, where we are legally required to or where there is a serious risk of harm.

Where we suspend an account, any remaining wallet balance that is not subject to an investigation or a legal hold will be returned through the payment channel it came from.

6. Reporting abuse

If you believe VerifyGH is being used against this policy, email abuse@verifygh.example with as much detail as you can. We investigate every report.

7. Changes

We may update this policy as the service and the law change. If we make a material change we will ask you to accept the new version before your next purchase, and the version you accepted is recorded on your account.