Effective Date: 14 July 2026
Version: 1.0
These Terms and Conditions govern your registration for, access to, and use of the Starsavers closed-loop wallet/gift card service made available through the Starsavers mobile application “App”, by StarOil Company Limited.
By tapping "I Agree", creating an account, topping up your Starsavers wallet, using your Starsavers wallet to pay at a Participating StarOil Station, or otherwise using the Service, you enter into a binding electronic contract with StarOil in accordance with the Electronic Transactions Act, 2008 (Act 772), and confirm that you have read, understood, and agree to be bound by these Terms and Conditions.
If you do not agree to these Terms, you must not create a Starsavers account or use the Starsavers wallet.
1.1. In these Terms, unless the context otherwise requires:
1.2. Headings are for convenience only and do not affect interpretation
2.1. The Starsavers app is owned and operated by StarOil. StarOil is the merchant and brand owner of the Starsavers programme and controls the App interface, participating StarOil Stations, and Eligible Purchases.
2.2. The Starsavers Wallet, including the wallet ledger, your prepaid balance, and your KYC/customer due diligence record is issued, held, and operated by Kowri. Your Wallet is a Kowri-issued account accessed through the App; Kowri, not StarOil, is the account-holding institution for the Wallet. StarOil does not itself hold, and is not required to hold, an electronic money issuer license, because the Starsavers Wallet is a closed-loop payment instrument restricted to a single defined merchant network, as recognised under the Payment Systems and Services Act, 2019 (Act 987) and applicable Bank of Ghana guidelines on closed-loop instruments.
2.3. When you enroll in the Starsavers programme through the App, the registration and KYC information you provide is used both to create your app profile with StarOil and to open and operate your Wallet with Kowri, as described further in clause 17.
2.4. Nothing in these Terms creates a partnership, joint venture, agency, or fiduciary relationship between StarOil and Kowri as against you. Save as expressly stated in these Terms (including clause 17), each of StarOil and Kowri is responsible only for its own respective role in delivering the Service: StarOil for the App and the merchant-side programme, and Kowri for the Wallet, wallet ledger, and payment-processing infrastructure.
3.1. The Starsavers Wallet is a closed-loop prepaid gift card/wallet that allows you to load funds and use the resulting balance to make Eligible Purchases at Participating StarOil Stations.
3.2. The Starsavers Wallet is not, and must not be represented, marketed, or used by you as:
3.3. Your Starsavers Wallet balance may be used only within the Starsavers closed-loop environment for Eligible Purchases at Participating StarOil Stations, except where these Terms expressly state otherwise or Applicable Law requires otherwise.
3.4. No interest, yield, dividend, return, or investment benefit accrues or is payable on your Wallet balance.
3.5. Purchased Wallet value represents a prepaid claim for Eligible Purchases within the Starsavers programme. Rewards, bonuses, cashback, discounts, points, or promotional value are not cash and may be subject to separate rules, including expiry, reversal, or forfeiture where permitted by law and disclosed to you.
4.1 To create and use a Starsavers account, you must:
4.2. A person under 18 years may use the Service only where an account is created and operated by a parent or legal guardian who is at least 18 years old, who registers the account in their own name, who accepts these Terms on their own behalf, and who remains solely and fully responsible for all activity on that account, including all top-ups, purchases, and any liability arising under clause 22 (Indemnification). A minor may not independently create, hold, or accept these Terms in respect of a Starsavers account.
4.3. StarOil may request evidence of age or of parental/guardian authority at any time and may suspend or close an account where it cannot reasonably verify that this clause 4 has been complied with.
4.4. We may refuse registration, suspend access, restrict transactions, or close an account where we reasonably suspect fraud, unauthorised use, misuse, breach of these Terms, regulatory breach, identity mismatch, sanctions risk, money-laundering or terrorist-financing risk under the Anti-Money Laundering Act, 2020 (Act 1044), chargeback abuse, security compromise, or any other material risk to you, StarOil, Kowri, other customers, or the integrity of the Starsavers service.
5.1. You must provide the information reasonably required for registration, which will be proportionate to the risk profile of a low-value closed-loop product and may include your name, mobile number, date of birth, identification information, email address, and payment-source information, together with any further information required for security, KYC, fraud prevention, transaction monitoring, regulatory compliance, customer support, and service delivery. .
5.2. You confirm that all information you provide is true, complete, current, and not misleading, and you indemnify StarOil in accordance with clause 22 for any Losses arising from information that is false, inaccurate, or misleading.
5.3. We may verify your information directly or through authorised service providers, including Kowri, mobile money operators, card processors, identity-verification providers, fraud-prevention databases, regulators, or law-enforcement agencies, or other lawful verification channels.
5.4. We may apply transaction limits, balance limits, top-up limits, spend limits, velocity limits, enhanced verification, cooling-off periods, or account restrictions based on risk, regulatory obligations, product rules, channel rules, KYC level, suspicious activity, operational requirements, or internal controls.
5.5. You must promptly update your account information if it changes.
6.1. You may top up your Starsavers wallet using payment methods made available in the app, which may include mobile money, debit card, credit card, bank card, bank transfer, or any other approved funding method.
6.2. A top-up is subject to successful authorisation, confirmation, settlement, and applicable fraud, risk, AML/CFT, and payment-channel checks.
6.3. A top-up may fail, be delayed, be reversed, be rejected, or be placed under review for reasons including insufficient funds, issuer decline, network failure, duplicate transaction, incorrect details, system downtime, suspected fraud, chargeback, payment-source reversal, regulatory restriction, or transaction-monitoring review.
6.4. If your payment source is debited but your Wallet is not credited, you must report the issue through customer support within a reasonable time and in any event within 90 days of the transaction. We will investigate and, where the investigation confirms the debit was not credited to your Wallet, credit the Wallet or reverse the payment within a reasonable time, or provide an appropriate resolution based on transaction evidence and applicable payment-channel rules.
6.5. Where a top-up is later reversed, disputed, charged back, refunded by the funding provider, or found to be unauthorised, fraudulent, erroneous, or invalid, we may reverse the corresponding Wallet credit. If you have already spent the affected amount, clause 22 (Indemnification) applies and we may recover the amount from you by any lawful means, including by debiting your Wallet or any linked funding source, and, where necessary, suspend your account.
7.1. You may use your Starsavers wallet balance to pay for Eligible Purchases at participating StarOil stations through the payment methods enabled in the app, which may include QR code, merchant code, station code, app confirmation, POS confirmation, or any other approved payment flow.
7.2. Before authorising a payment, you are solely responsible for confirming:
You bear the risk of any error you make in confirming these matters, except for errors caused by StarOil's or Kowri's system malfunction, in which case clause 21.3 applies.
7.3. Once you authorise a payment and the transaction is successfully processed, the relevant amount will be deducted from your Wallet balance and, subject to clause 7.4, that deduction is final.
7.4. A successful Wallet payment discharges your payment obligation to the Participating StarOil Station for the corresponding Eligible Purchase, subject to reversal, correction, or dispute only where clause 13 applies.
7.5. You must not use the Starsavers Wallet for any unlawful transaction, cash conversion, cash-out arrangement, resale scheme, third-party money transfer, money laundering, terrorist financing, fraud, or any other prohibited purpose. Any breach of this clause 7.5 constitutes a material breach entitling StarOil to immediately suspend or terminate your account under clause 18 and triggers the indemnity in clause 22.
8.1. The Starsavers wallet is a closed-loop wallet/gift card for StarOil purchases only.
8.2 Except as permitted under clause 8.3, you may not:
8.3 The restrictions in clause 8.2 do not prevent StarOil, Kowri, or an authorised payment partner from processing a refund, reversal, redemption, or settlement where:
8.4 Any permitted refund or redemption may be subject to identity verification, transaction verification, fraud screening, chargeback review, deduction of amounts owed, regulatory restrictions, taxes, levies, third-party payment-channel rules, and applicable fees disclosed to you.
8.5 Unless StarOil approves another method or applicable law requires otherwise, refunds will normally be made to the original funding source used for the relevant top-up or transaction.
9.1 StarOil will disclose applicable Starsavers wallet fees, top-up fees, service charges, convenience fees, payment-channel charges, taxes, levies, or other charges before or at the point they become payable.
9.2 Third parties (mobile money operators, card issuers, banks, payment schemes, telecommunications providers) may impose separate charges outside StarOil's control, for which StarOil is not responsible.
9.3 You will be given the opportunity to review applicable charges before authorising a chargeable transaction, where required by law or reasonably practicable.
9.4 We may change fees and charges from time to time. Where required, we will give prior notice of changes through the app, SMS, email, website, station notice, or other appropriate communication channel.
10.1 StarOil may offer rewards, points, discounts, cashback, bonuses, promotions, tier benefits, or loyalty incentives through the Starsavers app.
10.2 Rewards are discretionary and may be subject to separate rules, including qualifying spend, participating stations, eligible products, validity periods, expiry dates, redemption rules, exclusions, reversals, and anti-abuse controls.
10.3 Unless expressly stated otherwise, rewards and promotional value:
10.4 StarOil may suspend, vary, or terminate a promotion, reward, or loyalty feature where necessary for operational, commercial, fraud-prevention, or legal reasons, provided that accrued purchased wallet value will not be unfairly forfeited.
11.1 The App displays your available wallet balance, top-up history, purchase history, rewards history, refunds, reversals, and other account activity.
11.2 You must review your transaction history regularly and report any suspected error, unauthorised transaction, missing credit, incorrect debit, duplicate transaction, or suspicious activity to customer support promptly.
11.3 We may provide electronic receipts, push notifications, SMS alerts, in-app confirmations, email confirmations, or other transaction notifications. A failure or delay in receiving a notification does not necessarily mean that a transaction was unsuccessful.
11.4 StarOil's and Kowri's transaction records and system logs will be used to investigate disputes and determine transaction status.
12.1 You are solely responsible for keeping your phone, SIM card, App, password, PIN, OTP, biometric credentials, and payment credentials, and account details secure.
12.2 You must not disclose your password, PIN, OTP, QR payment approval, device unlock credentials, or other security information to any person, including a StarOil station attendant, customer-service agent, or third party.
12.3 StarOil and Kowri will never ask you to disclose your full password, PIN, OTP, card PIN, or device password.
12.4 You must notify us immediately if:
12.5 We may suspend, freeze, restrict, or block your account where reasonably necessary to protect you, other customers, StarOil, Kowri, or the integrity of the Service, and will notify you of the action taken and the reason, where lawful and practicable to do so.
12.6 You may be responsible for losses arising from your fraud, negligence, intentional misconduct, breach of these Terms, disclosure of security credentials, delayed reporting of compromise, or authorisation of a transaction.
13.1 You must not:
13.2 Breach of clause 13.1 is a material breach of these Terms and entitles StarOil to suspend your account, reverse the relevant transactions, forfeit any related promotional rewards, report the matter to regulators or law enforcement, pursue recovery action, and terminate your account, in addition to the indemnity in clause 22 and any other remedy available at law.
14.1 If you believe a transaction is incorrect, unauthorised, duplicated, failed, or not reflected in your wallet, you must contact customer support as soon as possible and provide all requested information.
14.2 We may require details such as your registered phone number, transaction reference, date and time, station name, amount, funding source, receipt, screenshot, device information, and any other evidence reasonably required to investigate.
14.3 StarOil, Kowri, and relevant payment partners will investigate reported issues using available transaction records
14.4 A refund, reversal, or correction will be processed where investigation confirms you are entitled to it.
14.5 Refunds for purchases made at StarOil stations may also be subject to StarOil’s product-return, fuel-sale, station, and customer-service policies.
14.6 We may decline a refund or dispute request where records show that the transaction was validly authorised, fulfilled, not duplicated, not erroneous, or not attributable to a system or station error
14.7 You must not file false disputes, abusive chargebacks, or fraudulent refund claims. Doing so is a material breach entitling StarOil to suspend or terminate your account and recover, in accordance with clause 22, any Losses caused by the false or abusive claim.
15.1 Your purchased wallet balance remains available for Eligible Purchases while the Starsavers programme is active, subject to these Terms, applicable Law, account status, and any lawful restriction.
15.2 We may classify an account as inactive or dormant if there is no customer-initiated activity for a period communicated to you in the app or otherwise notified.
15.3 Before applying any material dormancy restriction to purchased wallet value, we will take reasonable steps to notify you using the contact details available to us.
15.4 Dormant, inactive, abandoned, or unclaimed balances may be handled in accordance with applicable law, regulatory direction, internal policy, and customer-notice requirements
15.5 Promotional rewards, bonuses, discounts, points, or non-cash benefits may expire or be removed in accordance with the applicable promotion rules.
16.1 StarOil will take reasonable steps to make the Service available, secure, and reliable, but does not guarantee uninterrupted availability. .
16.2 The Service may be unavailable, delayed, or interrupted due to maintenance, upgrades, network failure, power failure, telecom or payment-channel downtime, cybersecurity events, force majeure, fraud control, or regulatory intervention. As provided in clause 21.3, StarOil is not liable for Losses arising from such interruptions to the extent they are beyond StarOil's reasonable control.
16.3 We may temporarily suspend the service or any feature for maintenance, security, risk management, compliance, or operational reasons.
16.4 Where required or reasonably practicable, we will notify customers of material service disruptions and expected restoration timelines.
17.1 StarOil and Kowri process personal data in connection with the Service in the following respective capacities, each within the meaning of the Data Protection Act, 2012 (Act 843):
17.2. Each of StarOil and Kowri processes your personal data, for its own respective purposes described in clause 17.1, on the following lawful bases under Act 843:
17.3. StarOil will retain personal data it controls only for as long as necessary for the purposes in clause 17.1(a), and in any event no longer than 7 years after account closure, except where a longer period is necessary for the establishment, exercise, or defence of legal claims. Kowri will retain personal data it controls, including KYC and transaction records, for the minimum period prescribed under the Anti-Money Laundering Act, 2020 (Act 1044) and applicable Bank of Ghana AML/CFT directives, which may be longer than the period StarOil applies to its own data.
17.4 Where required or reasonably practicable, we will notify customers of material service disruptions and expected restoration timelines.
17.5 Each of StarOil and Kowri will implement reasonable technical and organisational measures to protect the personal data it controls against unauthorised access, loss, misuse, alteration, or destruction, consistent with the Cybersecurity Act, 2020 (Act 1038). Each will notify you and, where required, the Data Protection Commission without undue delay of a data breach affecting data it controls that is likely to result in a material risk to your rights.
17.6 Subject to applicable Law, you have the right to access, correct, and request deletion of your personal data, to object to certain processing, and to lodge a complaint with the Data Protection Commission. You may submit a request through the channels in clause 23. Where your request concerns Wallet, KYC, or transaction data controlled by Kowri, StarOil will forward it to Kowri without undue delay, and Kowri will respond to you directly or through StarOil within the time prescribed under Act 843. Where your request concerns App, loyalty, or marketing data controlled by StarOil, StarOil will respond directly.
17.7 The Starsavers Privacy Notice (covering StarOil's processing) and Kowri's separate customer data notice (covering Kowri's processing) set out further detail on the processing described in this clause 17 and form part of these Terms. In the event of any inconsistency between this clause 17 and notice on a matter of Act 843 compliance, this clause 17 prevails.
18.1 You acknowledge that StarOil, Kowri, participating payment partners, and relevant regulated entities may be required to comply with payment-system, AML/CFT, sanctions, fraud-prevention, tax, data-protection, cybersecurity, consumer-protection, petroleum-sector, and other applicable laws and regulatory requirements.
18.2 We may monitor transactions, account activity, device activity, payment behaviour, top-up patterns, station usage, and other relevant information for compliance, fraud-prevention, security, operational, and risk-management purposes.
18.3 We may delay, block, reject, reverse, suspend, freeze, or report a transaction or account where required by law, regulator direction, court order, payment-scheme rule, AML/CFT obligation, fraud-control process, or risk-management policy.
18.4 We may disclose information about you, your account, or your transactions to regulators, law-enforcement agencies, courts, payment partners, or other authorised persons where required or permitted by law.
19.1 We may suspend, restrict, freeze, or terminate your account or access to the Starsavers service where:
19.2 You may request closure of your account through the support channels in the App, subject to completion of any pending investigation, dispute, or compliance check.
19.3 Account closure does not affect:
19.4 Where your account is closed and purchased wallet value remains, StarOil will determine the appropriate treatment of that balance in accordance with clause 8, the Terms, applicable law, fraud and KYC checks, and any relevant regulatory or payment-channel requirements.
19.5 Promotional rewards, bonuses, and other non-cash benefits may be cancelled on account closure unless the applicable promotion rules state otherwise.
20.1 StarOil may modify, suspend, migrate, replace, or discontinue the Starsavers wallet or any feature of the Starsavers service.
20.2 Where a material change affects your rights, charges, access to purchased wallet value, redemption options, or ability to use the wallet, we will provide notice through the app, SMS, email, website, station notice, or other appropriate communication channel.
20.3. If the Starsavers programme is discontinued, StarOil will provide reasonable instructions on how customers may use, redeem, or receive refunds for remaining purchased wallet value, subject to applicable law, KYC, fraud checks, regulator direction, and payment-channel rules.
20.4. StarOil may migrate customers to a replacement product or payment flow, provided that customer rights in purchased wallet value are not unfairly impaired.
21.1 Nothing in these Terms excludes or limits any liability that cannot lawfully be excluded or limited under Ghanaian law.
21.2 Subject to clause 21.1 and to clause 21.3, StarOil and Kowri will not be liable for Losses arising from:
21.3 Where StarOil or Kowri is responsible for an erroneous wallet debit, a failed wallet credit that was properly evidenced, or a confirmed unauthorised transaction not caused by your breach of clause 12, the remedy will be correction, reversal, refund, or restoration of the affected wallet value within a reasonable time following investigation, and this remedy is your sole and exclusive remedy for such matters against StarOil and Kowri.
21.4 Subject to clause 21.1, StarOil's and Kowri's aggregate liability to you under or in connection with these Terms in respect of any claim or series of related claims is limited to the purchased Wallet value affected by the relevant transaction or event giving rise to the claim, and neither StarOil nor Kowri is liable to you for indirect, consequential, special, or punitive damages, or loss of profit, in each case to the extent permitted under Ghanaian law.
22.1 You agree to indemnify and hold harmless StarOil, Kowri, and their respective directors, officers, employees, and agents from and against any Losses arising out of or in connection with:
22.2. This clause 22 does not require you to indemnify StarOil or Kowri for Losses caused by StarOil's or Kowri's own fraud, wilful misconduct, or gross negligence, or for Losses that Ghanaian law does not permit to be shifted to a consumer by contract.
22.3. StarOil will give you reasonable notice of any third-party claim to which this clause 22 may apply and will act reasonably in mitigating any Losses.
23.1. You may contact customer support through the channels provided in the Starsavers app, StarOil website, StarOil customer-care desk, participating stations, SMS, phone, email, or any other channel communicated by StarOil.
23.2. Complaints should include sufficient information to allow investigation, including your registered phone number, transaction reference, date and time, amount, station, funding source, screenshot or receipt, and a clear description of the issue.
23.3. We will acknowledge and handle complaints in accordance with applicable customer-recourse requirements and internal complaint-handling procedures.
23.4. We may assign a complaint reference number and may contact you for further information.
23.5. If a complaint is complex or requires input from Kowri, a mobile money operator, card issuer, bank, station, regulator, or other third party, resolution may take longer. We will provide updates where required or reasonably practicable.
23.6. If you are dissatisfied with the outcome of a complaint, you may escalate the matter through the escalation channels communicated to you, and you may exercise any rights available under applicable law or regulatory complaint mechanisms.
24.1. We may communicate with you by SMS, phone call, push notification, in-app message, email, website notice, station notice, social media notice, or any other lawful communication method.
24.2. Notices sent to the phone number, email address, or account contact details you provided will be treated as received unless we receive a failed-delivery notification.
24.3. You are responsible for keeping your contact details accurate and up to date.
24.4. You consent to receiving service, security, transaction, regulatory, and account-related communications electronically.
25.1. StarOil may update these Terms from time to time to reflect changes in law, regulation, product features, fees, risks, payment channels, operational requirements, or business arrangements.
25.2. Material changes will be communicated through the app, SMS, email, website, station notice, or other appropriate means.
25.3. Your continued use of the Service after the effective date of updated Terms constitutes acceptance of those Terms. If you do not agree to updated Terms, you must stop using the Service before they take effect and may request account closure under clause 19.2.
26.1. You may not assign or transfer your account, Wallet balance, rights, or obligations without StarOil's prior written consent.
26.2. StarOil may use affiliates, agents, contractors, Kowri, and other service providers to deliver the Service, and remains responsible to you for the performance of the service to the extent set out in these Terms.
26.3. StarOil may assign, transfer, or novate its rights and obligations under these Terms in connection with a reorganisation, merger, sale, or outsourcing, provided that customer rights in purchased wallet value are not unfairly impaired.
27.1. The Starsavers app, StarOil trademarks, Kowri technology, software, interfaces, APIs, designs, logos, graphics, content, transaction flows, QR payment designs, and related intellectual property belong to StarOil, Kowri, or their respective licensors.
27.2. You are granted a limited, revocable, non-exclusive, non-transferable licence to use the App for personal, lawful, non-commercial use in accordance with these Terms.
27.3. You must not copy, modify, reverse-engineer, distribute, sell, misuse, interfere with, or create derivative works from the app, technology, logos, or service infrastructure.
28.1. Neither StarOil nor Kowri will be liable for delay or failure to perform obligations caused by events beyond their reasonable control, including natural disasters fire, flood, epidemic or pandemic, war, terrorism, civil unrest, labour disruption, government or regulatory action, fuel supply disruption, telecommunications failure, power outage, cybersecurity incident, system failure, payment-channel outage, or any similar event.
28.2 We will take reasonable steps to restore affected services as soon as practicable.
29.1 These Terms are governed by the laws of the Republic of Ghana.
29.2 The parties will first attempt to resolve a dispute through good faith customer support and the complaint process in clause 23.
29.3 Where a dispute is not resolved through internal complaint procedures, either party may pursue any remedy available under Ghanaian law, including referral to an applicable regulator, mediation, arbitration where agreed, or the courts of competent jurisdiction in Ghana.
30.1 If a provision of these Terms is found invalid, unlawful, or unenforceable, that provision will be interpreted or modified to the minimum extent necessary to make it valid and enforceable. and if it cannot be so modified, it will be severed without affecting the remaining provisions.
30.2 The remaining provisions will continue in full force and effect.
31.1 These Terms, together with the Privacy Notice, any disclosed fee schedule, promotion rules, and transaction confirmations, constitute the entire agreement governing your use of the Starsavers wallet.
31.2 Where there is a conflict between these Terms and a specific promotion rule, the promotion rule applies only to that promotion, unless it would unlawfully reduce your rights in purchased Wallet value.
By creating a Starsavers account or using the Starsavers wallet, you confirm that: