OoPHE Patient Solutions Limited Terms & Conditions – Employees

Terms and Conditions

PLEASE READ THESE TERMS OF SERVICE CAREFULLY.

BY ACCESSING THE OoPHE PORTAL/APPLICATION/WEBSITE OR USING THE SERVICES PROVIDED BY OoPHE PATIENT SOLUTIONS LIMITED IN ANY MANNER WHATSOEVER, YOU AGREE TO BE BOUND BY THE:

(1) OoPHE’S TERMS OF SERVICE; AND

(2) OoPHE’S PRIVACY POLICY.

IF YOU DO NOT AGREE WITH THESE TERMS, PLEASE DO NOT ACCESS THE OoPHE PORTAL/APPLICATION/ WEBSITE OR USE THE OoPHE SERVICE. THE HEADINGS CONTAINED IN THESE TERMS ARE FOR REFERENCE PURPOSES ONLY. YOU SHOULD PRINT A COPY OF THESE TERMS FOR YOUR RECORDS.

Definitions

Capitalized terms used in these Terms and not otherwise defined shall have the following meanings:

  • “Employer” means a business entity that employs Employees and provides access to healthcare-related benefits .
  • “Employer Account” means the account record maintained by OoPHE on behalf of the Employer, reflecting the available balance and allocation of funds to associated Employee Accounts under the CorporateCare™ Plan. The Employer Account also enables the Employer to perform administrative functions such as adding or removing Employees, setting spending allowances, and updating employee information.

Use of an Employer Account is also subject to additional terms included as Appendix A: Employer Terms (“Employer Terms”).

  • “Authorized Employee(s)”  means employee(s) designated by their Employer and authorized to access and use OoPHE’s Services through an Employee Account.
  • “Employee Account” means the individual account created for an Authorized Employee under the Employer Account, used to access pre-funded benefits or credit for Eligible Health Services.
  • “Dependent(s)” means any individual(s) listed by an Authorized Employee as eligible to receive healthcare services under the Employee’s CorporateCare™ or CareCredit™ plan, including but not limited to spouses, children, or other approved beneficiaries, as permitted by the Employer and OoPHE policies.
  • “Eligible Health Service” means any healthcare service approved by the Employer as eligible for payment under the Employer’s CorporateCare Plan facilitated through OoPHE.
  • “OoPHE CareCredit™” means the healthcare credit facility offered to Authorized Employees to finance Eligible Health Services, repayable via payroll deduction, without financial liability to the Employer.
  • “OoPHE CorporateCare™” means the Employer-funded healthcare benefit plan administered through OoPHE, allowing Employers to pre-fund and control Employee access to Eligible Health Services.
  • “Financing Partner” means any third-party financial institution or lender that collaborates with OoPHE to provide credit under the OoPHE CareCredit™ offering.
  • “Portal” means the web or mobile application provided by OoPHE through which Employers and Authorized Employees access and manage their accounts and Services.
  • “Services” means all features, functionality, and programs offered by OoPHE through its platform, including CorporateCare™, CareCredit™, account management, authorization processing, and any related tools or assistance.
  • “Preauthorization” means the process by which an Authorized Employee requests prior approval through the Portal for payment of an Eligible Health Service, subject to spending limits, eligibility rules, and employer settings.
  • “Disbursement” means the transfer of funds from OoPHE (or its Financing Partner) to a healthcare provider on behalf of an Authorized Employee for an Eligible Health Service.
  • “Receipt Upload” means the submission of proof of payment (receipt or invoice) by an Authorized Employee through the Portal following a healthcare service, for verification and compliance with OoPHE’s policies.
  • “Privacy Policy” means OoPHE’s policy outlining how personal and health data is collected, used, shared, and stored, accessible via the Portal.
  • “Force Majeure Event” means any event beyond OoPHE’s reasonable control, including but not limited to natural disasters, war, pandemics, government action, telecommunication failures, or any other cause that makes performance of obligations impracticable.

1. What Are You Agreeing To?

1.1 Parties to These Terms

These terms and conditions (“Terms“) form a legally binding agreement between you (“You“, “Your“, or “Customer“) and OoPHE Patient Solutions Limited (“OoPHE“, “We“, “Us“, or “Our“). These Terms govern your access to and use of the OoPHE digital platform, which includes:

  • Our website: https://www.oophecare.com
  • Our mobile application available on the Google Play Store and Apple App Store (collectively referred to as the “Portal“)
  • Your OoPHE user account (“Account“) and any services accessible through the Portal

By accessing or using the Portal, you confirm that you have read, understood, and agreed to be bound by these Terms without limitation or qualification.

1.2 Who We Are

OoPHE is a Ghana-based healthcare financing platform that enables eligible employees to access funding for healthcare expenses through employer-backed funds or third-party credit facilities. We act as an intermediary, facilitating secure and efficient transactions between:

  • You (the user)
  • Registered employers
  • Licensed healthcare providers
  • Financing partners

OoPHE does not provide medical care or health services, nor is it a licensed financial institution. Our role is strictly limited to facilitating the secure and efficient processing of healthcare-related payments between users, employers, healthcare providers, and financing partners. A full description of the services offered by OoPHE is provided in Clause 2 of these Terms.

1.3 Changes to These Terms

OoPHE reserves the right to update or modify these Terms at any time at its sole discretion. Where changes are deemed material, we will make reasonable efforts to notify You—such as via email or a notification on the Portal. However, it remains Your responsibility to periodically review the Terms as published on the Portal.
Any revised Terms shall take effect immediately upon posting, and Your continued use of the Portal following such changes will constitute Your acceptance of the updated Terms.

1.4 Your Representations, Warranties and Undertakings

By accessing or using the Portal, You represent, warrant, and undertake that:

(a) You are at least 18 years old, of sound mind, and legally competent to enter into binding agreements.
(b) You are employed by a registered employer that has an active agreement with OoPHE.
(c) These Terms constitute a valid and binding legal obligation enforceable against You.
(d) If You access the Portal from outside Ghana, You do so at Your own initiative and risk. You are solely responsible for ensuring compliance with local laws. OoPHE disclaims all liability arising from such use outside Ghana.
(e) The availability of the Portal outside Ghana does not imply that OoPHE’s services are offered or intended for use in jurisdictions where they would violate local law.
(f) You are legally permitted and not prohibited by any law, regulation, or court/administrative order from using the Portal or its services.
(g) All information You provide is true, accurate, complete, and up to date.
(h) OoPHE may remove any information or content on the Portal that it determines violates these Terms or applicable laws.
(i) OoPHE provides its services “as is” without warranties of any kind. You acknowledge that OoPHE shall not be liable for any losses, claims, or damages resulting from Your use of the services.
(j) You agree to indemnify and hold harmless OoPHE, its affiliates, officers, directors, employees, and agents from and against any loss, damage, liability, or claim (including legal fees) arising from:

  • Your breach of these Terms;
  • Your misuse of the Portal or services; or
  • Any claim by a third party arising from Your actions or omissions related to the use of the services.

(k) make commercially reasonable efforts to ensure that Authorized Employees:

  • submit accurate receipts of any Eligible Health Service expenditure made by such Authorized Employee to the Platform within five (5) days of receiving such Eligible Health Service receipt;
  • do not make any Service available to anyone other than Authorized Employees;

1.5 Enquiries and Information from Third Parties

(a) With Your explicit consent, OoPHE may request certain third parties to provide information about You in order to personalize Your experience on the Portal and enable access to specific services that may not be available to all users.

(b) You acknowledge and agree that certain information about You may be shared with OoPHE by third parties, including but not limited to Your employer or affiliated organization. Such information may be stored, processed, and used by OoPHE in accordance with our Privacy Policy.

(c) Where You seek access to credit-related services, You consent to our Financing Partners obtaining Your credit information from third-party sources (such as licensed Credit Bureaus) as permitted by applicable law.

(d) OoPHE and/or its Financing Partners may also receive additional information about You from trusted third-party service providers to assist in fraud detection, identity verification, and maintaining the security and integrity of the Portal.

2. How OoPHE Will Serve You

2.1 Scope of Services

OoPHE operates the Portal through which you may access and use one or more of the following services:

  • Healthcare Access Facilitation: Enabling payment for eligible healthcare services either through prefunded employer-backed accounts or credit-based options from our Financing Partners.
  • Loan Facilitation: Assisting in the execution of loan documentation between you and Financing Partners to finance out-of-pocket healthcare costs.
  • Portal Access and Usage: Providing access to the Portal to view loan and transaction details, spending summaries, and repayment schedules.
  • Information Services: Offering insights on service usage, account activity, and facilitating communications regarding your healthcare and financing needs.
  • Future Functionalities: OoPHE may modify, enhance, or discontinue any part of the Services at its discretion without prior notice.

OoPHE acts solely as a technology and service facilitator and not as a lender or healthcare provider. All credit arrangements are directly between you and the relevant Financing Partner.

2.2. Opening and Managing an OoPHE Account

2.2.1 Account Creation
Your OoPHE Account is created upon enrollment by your Employer under an active CorporateCare™ or CareCredit™ plan. Once registered, you will receive login credentials via SMS or email, enabling access to the Portal.

2.2.2 Eligibility
You must be an employee of a participating Employer with an active agreement with OoPHE to hold an account. If your employment ends or your Employer’s participation is terminated, your access may be suspended or revoked as outlined in these Terms.

2.2.3 Accuracy of Information
You agree to provide accurate, complete, and up-to-date information during account activation and to update such information promptly if there are any changes. OoPHE is not responsible for errors or delays caused by outdated or incorrect information.

2.2.4 Account Security
You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. If you suspect unauthorized access, you must notify OoPHE immediately at contact@oophecare.com.

2.2.5 Usage Restrictions
Your OoPHE Account is personal to you and may only be used by you or for Eligible Health Services rendered to your registered Dependents. You may not allow others to access or use your account.

2.2.6 Suspension or Termination
OoPHE reserves the right to suspend or terminate your account if you:

  • Are no longer employed by a participating Employer;
  • Engage in fraudulent or prohibited activity;
  • Violate these Terms; or
  • Remain inactive on the Portal for one (1) year or more.

OoPHE also reserves the right to limit access to certain Services if any repayment obligations remain outstanding or under dispute.

2.3 Financing Partners

OoPHE collaborates with various Financing Partners to offer you competitive healthcare credit options. The list of partners may change from time to time and can be accessed via our website or by contacting us at contact@oophecare.com.

2.4 Transaction Cancellation

Loan approvals are at the sole discretion of Financing Partners. Once a loan transaction or pre-authorization is initiated through the Portal, it may only be cancelled if explicitly permitted under your loan documentation or applicable Portal functionality.

2.5 Your Information & Privacy

Your use of the Portal and Services is governed by our Privacy Policy. By using the Services, you:

  • Authorize OoPHE to verify your identity and collect necessary personal and financial information.
  • Consent to OoPHE sharing your information with Financing Partners for credit assessments.
  • Acknowledge that we do not store any sensitive personal data or KYC documents.
  • Accept that failure to provide required information may result in service denial or account suspension.

2.6 Indemnification

You agree to indemnify and hold harmless OoPHE and its affiliates against any claims, losses, or damages arising from your breach of these Terms or misuse of the Services.

2.7 Limitation of Liability

OoPHE provides its Services “as-is.” To the extent permitted by law:

  • We disclaim all warranties, including fitness for a particular purpose.
  • We are not liable for any direct, indirect, incidental, or consequential damages arising from your use of the Services.
  • Your sole remedy is to discontinue use of the Services.
  • Any liability shall be limited to the subscription fee paid, if applicable.

2.8 Credit Investigations

You consent to Financing Partners retrieving your credit information from licensed credit bureaus for purposes including eligibility assessment and credit limit updates. This consent is valid for 3 years and allows regular checks by the Financing Partners.

2.9 Payment Collection

You authorize OoPHE and its Financing Partners to send you payment reminders and initiate collection communication as necessary.

2.10 Communication & Notifications

You agree to receive communications related to your account via email, SMS, WhatsApp, or phone. These may include updates, confirmations, reminders, or notices. You are responsible for any applicable charges. Revoking this consent may lead to service suspension or account closure.

2.11 Third Party Access

If you authorize third parties to access your account or information (e.g., healthcare providers), OoPHE may share data as permitted. You remain liable for your account and agree to indemnify OoPHE from issues arising from such third-party interactions.

3. Your Use of OoPHE

3.1 Know Your Customer (KYC) Procedure

To protect against fraud and comply with Bank of Ghana (BoG) regulations, you must complete KYC (Know Your Customer) verification before using OoPHE’s Services. This involves:

  • Submitting valid identification documents as required by your profile.
  • Uploading a selfie for biometric verification.
  • Digitally signing your documents using approved electronic signature methods.

OoPHE will share your KYC documents with its licensed Financing Partners for additional verification. These partners are solely responsible for:

  • Customer identification and due diligence.
  • Determining compliance with KYC obligations.
  • Conducting credit checks via licensed credit bureaus.

You authorize OoPHE to forward your KYC documents to its Financing Partners. OoPHE does not store or retain your KYC documents after transmission. These documents are used solely for regulatory and credit assessment purposes.

3.2 Accuracy of Information

You agree to:

  • Provide true, complete, and current information at all times.
  • Promptly update any changes to your contact details, bank account, or mobile money number.

OoPHE shall not be liable for:

  • Incorrect or outdated information provided by you.
  • Funds sent to the wrong account due to your error.
  • Losses arising from incomplete or false details.

You are responsible for verifying the accuracy of all details before submission.

3.3 Delays in Processing

Some transactions may be delayed or held as pending for verification by Financing Partners or Mobile Money providers. These transactions can be cancelled prior to final confirmation. OoPHE is not liable for any such delays.

3.4 Fees and Charges

You may be charged non-refundable service fees by the Financing Partner. These will be detailed in your loan documentation and made available through the Portal. Additional charges may apply depending on your chosen payment method. Standard SMS and data fees from your telecom provider also apply.

OoPHE is not liable for:

  • Payment gateway errors
  • Network failures
  • Any fraud at the bank or telecom level

You confirm your transactions comply with all applicable Ghanaian laws.

3.5 Account Access and Security

You are responsible for safeguarding your login credentials and restricting access to your account. This includes:

  • Using secure passwords
  • Monitoring account activity
  • Informing OoPHE immediately of any unauthorized access

OoPHE disclaims liability for losses arising from compromised accounts or unauthorized activity due to your failure to maintain account security.

3.6 Portal Content

Information provided on the OoPHE Portal is for reference only and is subject to change. While OoPHE aims to maintain accurate and up-to-date content, it makes no warranties regarding completeness or reliability.

Service access may be temporarily unavailable due to:

  • Technical failures (e.g., server, software, network issues)
  • Acts of nature, war, strikes, or other force majeure events
  • Regulatory or legal restrictions

OoPHE is not liable for any damages resulting from service interruptions.

3.7 Repayment and Disbursement Terms

  • Employees are responsible for repaying any amounts borrowed under OoPHE CareCredit™ through payroll deductions.
  • Credit extended via OoPHE CareCredit™ must be repaid within the repayment period agreed at the time of disbursement.
  • OoPHE is not liable for failed or rejected payroll deductions, nor for non-compliance by employers in facilitating such deductions.
  • Once funds are disbursed to healthcare providers, no refunds will be issued by OoPHE.
  • Any discrepancies in disbursements or repayments must be reported to OoPHE within seven (7) days of the transaction date.

3.8 Confidentiality

You and OoPHE agree to maintain the confidentiality of any sensitive information shared during the use of the platform, including business terms and user data (“Confidential Information”).

Disclosure is permitted only if:

  • Required by law or court order
  • Necessary for performance of contractual obligations
  • Already publicly available or obtained lawfully from a third party

4. OoPHE’s Disclaimers and Limitations of Liability

(a) To the maximum extent permitted by law, OoPHE, its affiliates, and their respective directors, officers, employees, agents, and representatives shall not be liable to you or any third party for any indirect, incidental, special, or consequential damages, including loss of profits or revenue, arising from or related to these Terms or your use of the Portal or Services.

(b) OoPHE does not guarantee or warrant the actions or performance of any Financing Partner. You acknowledge that OoPHE bears no responsibility for any claim, loss, or damages in the event a Financing Partner declines or fails to provide financing or a loan.

(c) OoPHE makes no representations or warranties on behalf of any Financing Partner.

(d) OoPHE expressly disclaims any liability arising from loan documentation or agreements between you and any Financing Partner.

(e) The Portal and all content accessible through it (including third-party content) are provided “as is” and “as available,” without warranties of any kind, either express or implied.

(f) OoPHE does not warrant that:

  • Any defects will be corrected;
  • The Portal is free from viruses, malicious code, or other harmful components;
  • The Portal does not infringe third-party rights or is fit for a particular purpose;
  • Information accessed through the Portal is complete, accurate, or current.

(g) OoPHE, its affiliates, and representatives shall not be liable for any damages, including but not limited to:

  • (i) Losses resulting from your use or inability to use the Portal or Services;
  • (ii) The cost of obtaining substitute services;
  • (iii) Transactions or data obtained through the Portal.

(h) OoPHE makes no guarantees that:

  • (i) The Portal will meet your expectations or requirements;
  • (ii) Access will be uninterrupted, timely, or error-free;
  • (iii) Results obtained will be accurate or reliable;
  • (iv) Services or information will meet your needs.

(i) While OoPHE adopts reasonable security measures, it does not guarantee protection against unauthorized access. You are solely responsible for any consequences arising from unauthorized access to your account.

(j) OoPHE shall not be liable for any losses arising from:

  • Data loss;
  • Service interruption;
  • Hacking or security breaches;
  • Internet or connectivity issues;
  • Use of downloaded material (which is at your own risk);
  • Advice or information obtained from OoPHE that creates no warranty.

(k) In case of service interruption, your exclusive remedy is OoPHE’s reasonable efforts to restore access.

(l) OoPHE shall not be responsible for:

  • The accuracy, reliability, or completeness of information submitted by Users, Employers, or third parties.
  • Any medical outcomes, negligence, or errors in treatment by healthcare providers, whether or not such providers are accessed using Services facilitated by OoPHE.
  • Delays or failures in payroll deductions, credit repayments, or fund disbursements caused by Employers, their systems, or their agents.
  • Any failure, interruption, downtime, or errors in the Portal caused by third-party systems, telecommunications providers, or force majeure events.
  • Any loss of data, unauthorized access to Your account, or compromise of Your credentials resulting from Your own actions or negligence.
  • Any unauthorized, fraudulent, or unlawful use of Your Account or credentials by third parties.

(J) Further limitations:

  • (i) Messages from the Financing Partner’s server are deemed authorized; OoPHE is not liable for their content or delivery.
  • (ii) Messages from your account are considered authorized by you; OoPHE is not responsible for verifying their authenticity.
  • (iii) OoPHE is not liable for data security on servers not under its control (e.g., those of Financing Partners or third-party hosts).
  • (iv) OoPHE is not liable for any failure or delay caused by:
    • Actions or omissions of the Financing Partner;
    • Efforts to comply with law or prevent fraud;
    • Circumstances beyond its control, including force majeure events (e.g., hacking, outages, weather, vandalism).

5. Credit Facility – OoPHE CareCredit™

5.1. Access to CareCredit™
Authorized Employeess may access the healthcare credit facility known as OoPHE CareCredit™ through OoPHE’s Financing Partners, provided that OoPHE has an active agreement with the Authorized Employees’s employer.

5.2. Data Sharing & Consent
(a) As part of the onboarding process, the employer may submit certain Authorized Employees information on the Authorized Employees’s behalf in accordance with these Terms and the policies of the relevant Financing Partner.
(b) All data provided will be collected, processed, stored, and used in compliance with these Terms and the Financing Partner’s data policies.
(c) The Authorized Employees acknowledges and consents to data sharing by third parties (such as their employer or affiliated organizations) and permits OoPHE to use such data in accordance with its Terms.
(d) OoPHE does not store Ghana Card data, payslips, or similar documents provided for Know Your Customer (KYC) verification purposes.
(e) The Authorized Employees agrees that documents submitted for KYC may be used by Financing Partners to conduct credit bureau checks or other creditworthiness assessments.

5.3. Loan Onboarding and Approval
Upon successful completion of the KYC process, the Authorized Employees will be onboarded as a client of the Financing Partner. Based on the information provided, the Financing Partner may offer the Authorized Employees a pre-approved loan amount, referred to as the OoPHE CareCredit Limit.

5.4. Loan Requests and Agreements
(a) The Authorized Employees may request drawdowns from their CareCredit Limit by initiating a pre-authorization request through the OoPHE Portal.
(b) Each drawdown request (a “Loan”) is relayed by OoPHE to the Financing Partner.
(c) The Financing Partner will issue a digital Loan Agreement for the Authorized Employees’s review and acceptance.
(d) The Loan will only be disbursed upon the Authorized Employees’s digital execution of the Loan Agreement.
(e) Each drawdown constitutes a separate Loan, requiring a separate agreement with the Financing Partner.
(f) OoPHE is not a party to any Loan Agreements and disclaims all liability for any acts, omissions, or disputes arising from or related to the Financing Documents.

5.5. Loan Disbursement & Usage
(a) Loan proceeds will be disbursed directly to the designated healthcare facility via bank transfer or Mobile Money (MoMo).
(b) Loans are strictly limited to medical and healthcare expenses. Use for any other purpose is prohibited.
(c) At the time of loan issuance, the Authorized Employees agrees to repay the principal and any applicable interest to the Financing Partner, unless otherwise covered through OoPHE’s Interest Reimbursement mechanism.

5.6. Proof of Medical Use & Interest-Free Period
(a) The Authorized Employees must upload a valid receipt or invoice from the healthcare provider showing an amount equal to or greater than the loaned amount.
(b) Upon successful verification by OoPHE, the Authorized Employees will be granted a 30-day interest-free period on the approved loan amount.
(c) If the receipt covers only a portion of the Loan amount, the interest-free period applies only to the amount supported by the receipt.
(d) If no receipt is submitted or the submission is invalid or unverified, the interest-free period is forfeited, and the full loan amount will accrue interest as per the Financing Partner’s terms.

5.7. Repayment Mechanism
Repayment of the loan principal (and interest, if applicable) shall be automatically deducted from the Authorized Employees’s salary via payroll, in accordance with the Financing Partner’s repayment schedule and the agreement with the Authorized Employees’s employer.

6. Termination

6.1 You may terminate these Terms at any time by contacting Us at contact@oophecare.com, provided that You discontinue any further use of the Portal or Services. Upon Account closure, We will cancel any pending transactions unless otherwise legally prohibited.

However, such termination shall not cancel Your obligation to repay any Loan availed through a Financing Partner, or any other obligation which has accrued or remains unfulfilled and relates to the period prior to termination. If You owe any payment to OoPHE or the Financing Partner, OoPHE will not close Your Account until such payment is made.

We may, however, limit Your ability to make further transactions during this time. You may not close Your Account to evade an investigation, and You will remain liable for all obligations related to Your Account even after closure. OoPHE will retain Your information in accordance with our Privacy Policy.

6.2 OoPHE may close or suspend Your Account if:

  • You do not log in to the Portal or use the Services for one (1) year or more; or
  • You resign from the employer that has an active contract with OoPHE.

OoPHE will retain Your information in accordance with these Terms and Our Privacy Policy.

6.3 These Terms take effect from the date of their publication on the Portal. We reserve the right to suspend or terminate Your Account at any time in the event of:

  • A breach of any provision of these Terms;
  • Misrepresentation of information;
  • Any unlawful activity;
  • Inability to verify or authenticate any information submitted by You;
  • Fraud, misuse of the Services, or other activity that OoPHE reasonably determines to be improper or harmful.

6.4 Notwithstanding anything contained herein, if We reasonably believe that You are acting in breach of these Terms, We reserve the right to immediately suspend or terminate Your Account on the Portal without prior notice.

7. Miscellaneous

7.1 Disputes with OoPHE
If a dispute arises between You and OoPHE, Our goal is to provide You with a neutral and cost-effective means of resolving the matter quickly. In the event of a dispute, You are encouraged to first contact Us at contact@oophecare.com to attempt to resolve the issue directly.

7.2 Updating Your Contact Information
You may update the mobile phone number or email address registered with OoPHE by submitting a request via email to contact@oophecare.com.

7.3 Assignment
You may not assign or transfer these Terms or any rights or obligations hereunder without the prior written consent of OoPHE. OoPHE may freely assign or transfer its rights and obligations under these Terms without Your prior written consent.

7.4 Force Majeure
OoPHE shall not be held liable for any failure or delay in performing its obligations under these Terms if such failure or delay is due to a Force Majeure Event.
“Force Majeure Event” means any event beyond the reasonable control of OoPHE, including but not limited to unavailability of communication systems, system breaches or viruses, fire, pandemic, flood, explosion, acts of God, civil unrest, war, or actions by governmental authorities.

7.5 Governing Law and Jurisdiction
These Terms shall be governed by the laws of the Republic of Ghana. Subject to arbitration (if any), any dispute arising out of or relating to these Terms shall be subject to the exclusive jurisdiction of the courts located in Accra, Ghana.
By accepting these Terms, You consent to this legal framework and jurisdiction.

7.6 Entire Agreement
These Terms, together with the Privacy Policy, constitute the entire agreement between You and OoPHE, superseding all prior discussions, communications, representations, or agreements, whether written or oral.

7.7 Severability
If any provision of these Terms is found to be invalid or unenforceable, such provision shall be severed, and the remainder of the Terms shall remain in full force and effect.

7.8 No Waiver
OoPHE’s failure to enforce any provision of these Terms shall not be construed as a waiver of its rights. A waiver shall only be effective if provided in writing by OoPHE and shall apply only to the specific instance for which it is given.

7.9 Rights and Remedies
All rights and remedies available to OoPHE under these Terms or applicable law are cumulative and not exclusive. They may be exercised notwithstanding any conflict of interest or other rights available at law.

7.10 Consent
By clicking any button, checkbox, or using the Portal, You:
(a) confirm that You are legally eligible to enter into a binding contract;
(b) agree that these Terms constitute a valid and binding agreement between You and OoPHE; and
(c) accept the Terms as displayed on the Portal.

7.11 Non-Exclusive Basis
These Terms do not create an exclusive relationship between You and OoPHE. OoPHE reserves the right to offer similar services to others without restriction.


OoPHE Patient Solutions Limited Employer Privacy Policy

Effective Date: [22-05-2025]

Last updated: [22-05-2025]

OoPHE Patient Solutions Limited (“OoPHE”, “we”, “our”, or “us”) is committed to protecting the privacy of employees (“you”, “your”) who use our healthcare financing platform in accordance with Ghana’s Data Protection Act, 2012 (Act 843).

This Employee Privacy Policy explains how we collect, use, store, and share your personal data during onboarding, account management, and when providing support through our services.

1. Data We Collect

We may collect the following categories of personal data when you use our services:

a. Personal Identification Data

This includes information you provide during registration or while using our services, such as:

  • Full name, title, gender, date of birth
  • Email address, phone number(s)
  • Residential and postal address
  • Workplace name, job title/designation, and salary (if applicable)
  • Profile photo or display image
  • Usernames or login credentials

b. Device & Access Information

We automatically collect technical data to ensure secure and optimized access to our platform, including:

  • IP address, browser type, operating system
  • Login timestamps and activity logs

c. Additional Information You Provide

This includes any optional data you submit to:

  • Update your account or profile
  • Fill out forms, respond to surveys, or submit feedback
  • Use any additional features or services

d. Sensitive Personal Data

We may collect certain sensitive information when required for specific services, including:

  • Financial details (e.g., bank or Mobile Money account numbers, payment instrument details)
  • Passwords and KYC documents (e.g., Ghana Card), especially for credit assessment by our Financing Partners
  • Any such data received or processed lawfully under contract or consent

We do not collect or store biometric data such as fingerprints, facial scans, or voiceprints. We also do not access mobile phone resources (e.g., contacts, call logs, media) without your prior and explicit consent.

The above categories collectively constitute your “Collected Data.”

2. How We Use Your Data

We use your Collected Data for the following purposes, based on one or more of the following legal bases: your consent, performance of a contract, compliance with a legal obligation, and/or our legitimate interests in providing and improving our services.

a. Identity & Verification

  • To verify your identity and eligibility for our Services.

b. Service Delivery

  • To provide, operate, and manage access to your Employee Account and healthcare financing services.
  • To process requests, authorizations, and repayments.

c. Platform Functionality

  • To operate and enhance the functionality, security, and performance of our platform.

d. Communication

  • To send service-related updates, respond to your requests, and notify you of relevant changes.

e. Customization & Offers

  • To tailor products and services, including those from third-party partners.

f. Fraud Prevention & Security

  • To detect, investigate, and prevent fraud or misuse of the platform.

g. Technical Support

  • To diagnose and resolve technical issues affecting your use of the platform.

h. Reporting

  • To generate reports for your Employer in line with the services provided.

i. Marketing & Outreach

  • To contact you via email, SMS, or other channels to offer services, promotions, or updates (where permitted).

j. Legal & Compliance

  • To comply with applicable laws, enforce our agreements, and resolve disputes.

3. Legal Basis for Processing

We process your data based on one or more of the following legal grounds:

  • Your consent – where required, such as for marketing communications
  • Performance of a contract – to provide and manage your access to the services
  • Compliance with a legal obligation – where required by law or regulation
  • Legitimate interest – to operate, improve, and secure our platform and services

4. Data Sharing

We may share your Collected Data in the following cases, strictly for purposes aligned with service delivery, legal compliance, and platform functionality:

  • With Your Employer – for account administration, financing approvals, and repayment tracking.
  • With Regulated Financing Partners – to facilitate CareCredit™ services, conduct credit checks, or process KYC data.
  • With Regulatory Authorities – such as the Bank of Ghana or other competent authorities, when required by law or regulatory obligations.
  • With Technology and Service Providers – to securely host, analyze, and process data as part of delivering our services.
  • With Third Parties Under Confidentiality Agreements – for support functions (e.g., data analysis, KYC processing), provided such parties are contractually bound not to misuse or further disclose your data.

We may also disclose your data:

  • In response to legal processes or enforceable government requests.
  • In connection with corporate transactions such as mergers, acquisitions, restructurings, or transfers of assets, ensuring continuity of service and data protection obligations.
  • To enforce our Terms or protect our rights, users, or others from harm.

We do not sell your personal data under any circumstances.

5. Data Storage & Security

We take appropriate technical and organizational measures to protect your personal data from unauthorized access, alteration, disclosure, or destruction. These measures include:

  • Secure servers and firewalls
  • Encryption during data transmission and storage
  • Strict access controls based on role and necessity
  • Regular system audits and vulnerability assessments

Your data is stored on secure servers located in compliance with Ghanaian data protection laws. Where third-party service providers are used (e.g., cloud storage), we ensure they adhere to similar data protection standards through contracts and due diligence.

While we take reasonable steps to safeguard your data, no system can guarantee absolute security. You are encouraged to keep your account credentials confidential and notify us immediately of any suspected unauthorized activity.

6. Your Rights

As a data subject, you have the following rights regarding your personal data:

  • Access: You may request a copy of the personal data we hold about you.
  • Correction: You can ask us to correct inaccurate or incomplete personal data.
  • Deletion: You may request that we delete your personal data, subject to legal and contractual limitations.
  • Objection: You can object to certain types of data processing, such as direct marketing or profiling.
  • Restriction: You may request restrictions on how we process your data in certain circumstances.
  • Portability: Where applicable, you may request that we provide your data in a structured, machine-readable format for transfer to another service.
  • Withdraw Consent: Where processing is based on your consent, you can withdraw it at any time.

To exercise any of these rights, please contact us at privacy@oophecare.com. We will respond within the time limits required by applicable law.

7. Cookies & Tracking

Our platform may use cookies and similar tracking technologies to enhance user experience and analyze platform usage. These may include:

  • Session Cookies: To maintain your login session and navigation.
  • Analytics Cookies: To understand how users interact with the platform and improve performance.
  • Functional Cookies: To remember your preferences and settings.

You can control or disable cookies through your browser settings. However, disabling cookies may limit certain features or functionalities of the OoPHE platform.

We do not use cookies to collect sensitive personal data or to track users across unrelated third-party websites.

8. Data Retention

We retain your Personal Data for as long as your employment relationship with your Employer remains active on the OoPHE platform or as required by law.

  • Personal Data is kept only for as long as necessary to fulfill the purposes outlined in this Policy or to comply with legal, regulatory, or contractual obligations.
  • Sensitive Personal Data is not stored beyond the immediate purpose for which it was collected (e.g., verification) and is securely discarded thereafter.
  • We implement a secure data purging process to delete, anonymize, or irreversibly aggregate data, in line with industry standards and legal requirements.
  • In some cases, your data may be processed or stored using overseas service providers (e.g., for cloud infrastructure). However, we ensure such storage remains secure, access-controlled, and compliant with applicable data protection standards.

9. Updates to This Policy

OoPHE may update this Employee Privacy Policy from time to time to reflect changes in legal requirements, our data practices, or our services. When we make material changes, we will notify you via email, the platform, or other appropriate means.

We encourage you to review this policy periodically. Continued use of the OoPHE platform after changes take effect constitutes your acceptance of the updated policy.

10. Contact Us

For questions or concerns about this Privacy Policy or how your data is handled, contact:

OoPHE Patient Solutions Limited
Email: contact@oophecare.com
Location: No. 1 Boahenville , Peduase-Accra