While availing any of the payment method/s available on the Website, we will not be responsible or assume any liability, whatsoever in respect of any loss or damage arising directly or indirectly to you due to:

• Lack of authorization for any transaction/s, or
• Exceeding the preset limit mutually agreed by You and between "Bank/s", or
• Any payment issues arising out of the transaction, or
• Decline of transaction for any other reason/s

All payments made for the purchases/services on Website by you shall be compulsorily paid in GhanaianCedi which is acceptable in the Republic of Ghana. Website will not facilitate transaction with respect to any other form of currency with respect to the purchases made on the Website.

Before shipping / delivering your order to you, IPMCkartmay request you to provide some valid documents (including issued ID and address proof). This is done in the interest of providing a safe online shopping environment to Our Users.

You, as a Buyer, understand that upon initiating a Transaction You are entering into a legally binding and enforceable contract with IPMCkartto purchase the products and /or services from IPMCkart using the Payment Facility, and you shall pay the Transaction Price through Your Issuing Bank to IPMCkart using Payment Facility.

You, as a Buyer, may agree with us through electronic communication and electronic records and using the automated features as may be provided by Payment Facility on any extension / increase in the Dispatch and/or Delivery time and the Transaction shall stand amended to such extent. Any such extension / increase of Dispatch / Delivery time or subsequent novation / variation of the Transaction should be in compliance with Payment Facility Rules and Policies.

You, as a Buyer, shall electronically notify Payment Facility using the appropriate IPMCkart Website features immediately upon Delivery or non Delivery within the time period as provided in Policies. Non notification by You of Delivery or non Delivery within the time period specified in the Policies shall be construed as a deemed Delivery in respect of that Transaction. In case of Cash on Delivery transactions, Buyer isrequired to confirm the receipt of products or services.

You, as a Buyer, shall be entitled to claim a refund of the Transaction Price (as Your sole and exclusive remedy) in case You do not receive the Delivery within the time period agreed in the Transaction or within the time period as provided in the Policies, whichever is earlier. In case you do not raise a refund claim using Website features within the stipulated time than this would make you ineligible for a refund.

You, as a Buyer, understand that the Payment Facility may not be available in full or in part for certain category of products and/or services and/or Transactions as mentioned in the Policies and hence you may not be entitled to a refund in respect of the Transactions for those products and /or services

Except for Cash on Delivery transaction, refund, if any, shall be made at the same Issuing Bank from where Transaction Price was received.

For Cash on Delivery transactions, refunds, if any, will be made via demand draft in favor of the Buyer (As per registration details provided by the Buyer)

Refund shall be made in GhanaianCedi only and shall be equivalent to the Transaction Price received in GhanaianCedi

For electronics payments, refund shall be made through payment facility using mobile money, or through Banking.Refund shall be conditional and shall be with recourse available to IPMCkart in case of any misuse by Buyer.Refund shall be subject to Buyer complying with Policies.

IPMCkart reserves the right to refuse to process Transactions by Buyers with a prior history of questionable charges including without limitation breach of any agreements by Buyer with IPMCkart or breach/violation of any law or any charges imposed by Issuing Bank or breach of any policy.

IPMCkart may do such checks as it deems fit before approving the receipt of/Buyers commitment to pay (for Cash On Delivery transactions) Transaction Price from the Buyer for security or other reasons at the discretion of IPMCkart. As a result of such check if IPMCkart is not satisfied with the creditability of the Buyer or genuineness of the Transaction / Transaction Price, it will have the right to reject the receipt of / Buyers commitment to pay Transaction Price.