Scratch and win instant cash online at the comfort of your home

HOME PAGE: It is the welcome, introductory, opening or entry point into the scratch and win playing community. https://www.ghscratch.com introduces every visitor or user to this page upon searching by typing into the search bar. It is the page before Login or Registration.

It displays from top left corner: The Home page Icon ( ) a click/tap on it refreshes the entire page Side Bar Icon ( USER LOGIN REGISTER NOW ) a click/tap on it slides in/pops up Login or Register.

Money wallet Icon ( ) a click/tap on it pops up on the screen information on how to deposit cash into or cash out money from the individuals cash account being held with https://www.ghscratch.com (Diamond Card Limited).

Help Icon ( ) a click/tap on it pops up all the relevant information regarding navigation and how to use the website.

USER LOGIN: it is the entry key that an already registered user or player uses to open or enter his/her own membership account created on the website upon registration. A click/tap on it pops up a form to be completed by you. It requires Username and Password. A click/tap on Remember me will mark out the box presiding it. That means the user’s page stays open for a period of time without login out. Click/Tap on LOGIN TO ACCOUNT that grant you access to the scratchboard.

Forgotten? Is asking if you the user has misplaced/forgotten the password you have already registered with on https://www.ghscratch.com. It gives you the chance to change/update your password and there after login to your membership accounts to continue from your last transaction on the website. A click/tap on it pops up a form to be completed by you. You will be required to enter your Username and email address as provided to https://www.ghscratch.com as of registration. Click/Tap on Submit Code and you will receive a text code via sms or email. Enter the code and click/tap submit code. That pops up a new form which requires you to enter and confirm your new password to your membership account.

Register Now: It is strictly for persons of eighteen (18) years and above to register and become a member of the scratch and win playing community. Any person below eighteen (18) years who forges his/her age to register will be immediately be removed when detected without a recourse to the person. A click/tap on it pops up a form to be completed by you. The information required includes:

• Date of Birth,
• Gender,
• Title,
• First Name,
• Last Name,
• Country,
• Email Address,
• Contact Number,
• Mobile Money Number (Momo Number),
• Username and
• Password.
• Click/Tap to I agree to the terms and conditions.

Click/Tap on REGISTER NOW. Ghscratch in respond will send you a confirmation CODE via your email provided or sms on the contact number provided.

Enter the CODE into the space displayed on the screen to complete the process. The registration gets aborted if the confirmed CODE is not entered within 15 minutes upon receipt.

Challenge Chart. It updates in real time and displays the top five (5) players in a specific scratch and win game and their potential rewards as and when jackpot(s) triggers. To be part of the Top five (5) simply requires the you buy and scratch more.

Purchase Price per a Scratch and Win Card Table and their corresponding Prizes Each Purchase Price has five (5) attributed Prizes ranging from 1st (first), 2nd (second), 3rd (third), 4th (forth) to 5th (fifth). These Purchase Price and Prizes may be reviewed as and when necessary by https://www.ghscratch.com without the prior consent of the website user or player.

Just Buy Card: Buy electronic scratch and win card(s) for a price of Ghc.50, Ghc1, Ghc2, Ghc5, Ghc10 and Ghc20 per a card. Scratch more cards to stand a chance in the game challenge.

Scratch Your Card: Scratch your digital cards online. A match of 3,4 or 5 symbols of a kind wins you fantastic prizes. Scratch more win more.

Win Instant Cash: Scratch and win Ghc40,000, Ghc20,000, Ghc1,000 and more with just a card. Scratch more to top and win the challenge.

Community Hall of Fame: It updates in real time and displays the top five (5) players in the entire playing scratch and win community and their potential rewards as and when jackpot(s) triggers.

USER page: This is where the user performs his/her playing activities or the interactions between you, ghscratch.com and the playing community take place. The page opens when the User provides the correct information through the Login icon. It means the person has already been registered or is a member of https://www.ghscratch.com.

It displays from top left corner: The Home page Icon or logo ( ) a click/tap on it refreshes the entire page Side Bar Icon ( ) a click/tap on it slides in/pops up various/type of scratch and win cards you can buy and scratch. It enables you to move from one type of scratch and win card to another without having to go to the Home page or Scratchboard.

Money wallet Icon ( ) a click/tap on it pops up information on how to Deposit and Withdraw cash from your membership wallet.

To deposit/withdraw cash: Click/Tap on Home page Icon to redirect you to the scratchboard where you can deposit or withdraw cash into/out your wallet. To deposit Cash: Click/ Tap DEPOSIT, enter amount to deposit and click/tap DEPOSIT CASH and follow up prompts. A successful process will increase the Cash Balance in your wallet by the amount and displays the current/updated balance on your screen.

Click/Tap on WITHDRAWAL, enter amount to withdraw, your ghscratch.com membership password and Click/Tap to WITHDRAW CASH. A successful process will decrease/reduce the Cash Balance in your wallet by the amount and displays the current/updated balance on your screen. Note: Cash withdrawn will be sent only to the momo ( mobile money number ) number on file.

In addition to the above, it further shows the picture/image of the user. Username and Contact Number. A click or tap on any of them pop up ACCOUNT SETTINGS and LOGOUT bottoms

ACCOUNT SETTINGS enables you to change Contact Number and/or Momo Number. It is also use to change/reset your password. It is important to know that password and Contact Numbers cannot be changed/reset at the same time.

Click/Tap on LOGOUT closes/exit the user page.

Money wallet Icon ( ) a click/tap on it pops up information on how to Deposit and Withdraw cash from your membership wallet.

To deposit/withdraw cash: Click/Tap on Home page Icon to redirect you to the scratchboard where you can deposit or withdraw cash into/out your wallet. To deposit Cash: Click/ Tap DEPOSIT, enter amount to deposit and click/tap DEPOSIT CASH and follow up prompts. A successful process will increase the Cash Balance in your wallet by the amount and displays the current/updated balance on your screen.

Click/Tap on WITHDRAWAL, enter amount to withdraw, your ghscratch.com membership password and Click/Tap to WITHDRAW CASH. A successful process will decrease/reduce the Cash Balance in your wallet by the amount and displays the current/updated balance on your screen. Note: Cash withdrawn will be sent only to the momo ( mobile money number ) number on file.

Diamond Card Limited (DCL) is a private company incorporated in Accra - Ghana with company registration number CS098482019 and TIN:C0025205668. It has been licensed by the Gaming Commission of Ghana to operate the newest and latest online scratch and win gaming cards (www.ghscratch.com).

The objective of DCL is to bring a new experience into the gaming community whereby one can purchase card(s) online, electronically scratch and win instantly cash reward displayed on that same card. It is also meant to meet the needs of the upcoming paperless generation and above all offering more handsome cash rewards as compared to the traditional manual scratch and win cards on the market. No middle men or agents are involved, no closing hours and completely available on 24hours a day, 7days a week and 365 days a year. No shortages, lack of stocks, obsolete cards and available everywhere you go except where internet connectivity is non-existence.

The website offers several types of online scratch cards. These cards are the virtual counterpart of the physical version of the game you have had in your hands. This time you not need to look for a coin to scratch the surface of the card. You only point your mouse over the part that hides your objects and potential cash win and scratch to reveal the amount you have won. It is as easy as that.

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      The games offer you the opportunity to win real money instantly coupled with instant payouts.
      Wait no further, pick your favorite game, scratch and win cash now!!!
      Be the next big winner right here on ghscratch.com!!!
      Never give up, stay in the game and your win will happen soonest!!!

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You may have underestimated the power of how scratch and win gaming cards can have in making you rich or improve your life. Very soon you will realize that you are playing the right kind of scratch and win gaming cards and have the potential of making you a millionaire.

About the Games

We have a robust auditing protocol for online scratch and win card games. We use SSL encryption on our site that helps to protect against threats as viruses, spyware and data theft. We bring you fair, secure and entertaining instant games to scratch and win.

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      We offer an average odd of 1 in 3 and prizes range from free games to cash jackpot.
      No already scratched off, damaged, mutilated, altered, tempered or outdated card when you purchase.
      No coin needed
      No more chasing for defective card replacement
      We offer different games with different purchase prices, prizes and challenge rewards.
      We have Dice scratch and win gaming cards, Fruits scratch and win gaming cards, Safari scratch and win gaming cards and Sports scratch and win gaming cards.

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How to Play

• Step 1.     A Player must register by visiting the website: www.ghscratch.com and provide the required information and follow all prompt instructions. A Player account will be created to be used for all gaming activities on the site.
• Step 2.     Player Deposits money into the account created via mobile money platform provided.
• Step 3.     Player can then buy a Scratch Card(s) of his/choose from minimum of one (1) to a maximum of twenty-five (25) per purchase transaction.
• Step 4.     Select a Scratch and win card displayed on screen and scratch the back to reveal the prize.
• Step 5.     Redeem the prize won, if any and will be added to the account balance.
• Step 6.     A player may withdraw from an account by following the given instructions.

Terms & Conditions

Games:

• Prizes are given based on the at least three (3) of a kind up to five of a kind. E.g. Bird, bird, bird in any order.
• Prize tables are updated from time to time without the consent of any player.
• Purchase prices are also adjustable from time to time without the consent of any player.
• Each Scratch and Win Cards comes with a unique serial number.
• Scratch and Win Cards purchased before the change of either Prizes and Price shall not be affected. In other word review of prizes and prices are not retrospective.
• Games are played on online. Downloading of the game (s) is neither permitted nor available.
• Purchased Cards have stated expiry date and therefore should be scratched on or before the given date.
• All expired cards are not redeemable.
• Sports card Game comprises of the images of: Football, Basketball, Rugby, Tennis and Baseball
• Dice card Game comprises of the images of: Five dice, Four dice, Three dice, Two dice and One dice
• Fruits card Game comprises of the images of: Watermelon, Papaya, Kiwi, Orange and Banana
• Safari card Game comprises of the images of: Lion, Elephant, Giraffe, Parrot and Ostrich
• An Event is generated upon shuffling of cards in a game at random and severally.
• All games constitute the playing Community.
• Each game you play has a challenge and recognizes the five (5) top players of that game and rewards them in order of merit; 1st,2nd ,3rd, 4th, and 5th.
• The challenge reward is a given amount shared in the ratio of 50%, 20%, 15%, 10% and 5% respectively.
• Diamond Hall of Fame recognizes the top five (5) plays for all games together.
• Any other terms and conditions incorporated into the various website pages are applicable.
• Your mere registration of the website implies that you have agreed to the terms and conditions.

FAQs:

• Are we licensed operator? Yes. we are licensed by The Gaming Commissioner of Ghana with license number: #GCRO20A7314H
• Can you deposit money into your account by all telecommunication networks? We are currently available on MTN, AirtelTigo and Vodafone mobile money platforms in Ghana. Visa and Debit are not admissible in the meantime.

For any further information you may reach us on: info@ghscratch.com

Effective date: January 01, 2020

Diamond Card Ltd ("us", "we", or "our") operates the https://www.ghscratch.com website (hereinafter referred to as the "Service").

This page informs you of our policies regarding the collection, use and disclosure of personal data when you use our Service and the choices you have associated with that data.

We use your data to provide and improve the Service. By using the Service, you agree to the collection and use of information in accordance with this policy. Unless otherwise defined in this Privacy Policy, the terms used in this Privacy Policy have the same meanings as in our Terms and Conditions, accessible from https://www.ghscratch.com

Definitions

• Service :|: Service is the http://www.ghscratch.com website operated by Diamond Card Ltd
• Personal Data :|: Personal Data means data about a living individual who can be identified from those data (or from those and other information either in our possession or likely to come into our possession).
• Usage Data :|: Usage Data is data collected automatically either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).
• Cookies :|: Cookies are small files stored on your device (computer or mobile device).

Information Collection and Use

We collect several different types of information for various purposes to provide and improve our Service to you.

Personal Data

While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you ("Personal Data"). Personally identifiable information may include, but is not limited to:

• Date of Birth
• Gender
• First name and last name
• Email Address
• Country
• Phone number
• Momo Number (Mobile Money Wallet)
• User Name
• Password
• Cookies and Usage Data

We may also collect information on how the Service is accessed and used ("Usage Data"). This Usage Data may include information such as your computer's Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

We use cookies and similar tracking technologies to track the activity on our Service and we hold certain information. Cookies are files with a small amount of data which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your device. Other tracking technologies are also used such as beacons, tags and scripts to collect and track information and to improve and analyze our Service. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.

• Session Cookies. We use Session Cookies to operate our Service.
• Preference Cookies. We use Preference Cookies to remember your preferences and various settings.
• Security Cookies. We use Security Cookies for security purposes.
• Advertising Cookies. Advertising Cookies are used to serve you with advertisements that may be relevant to you and your interests.

Use of Data

• To provide and maintain our Service
• To notify you about changes to our Service
• To allow you to participate in interactive features of our Service when you choose to do so
• To provide customer support
• To gather analysis or valuable information so that we can improve our Service
• To monitor the usage of our Service
• To detect, prevent and address technical issues

Transfer of Data

Your information, including Personal Data, may be transferred to — and maintained on — computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ from those of your jurisdiction.

If you are located outside Ghana and choose to provide information to us, please note that we transfer the data, including Personal Data, to Ghana and process it there.

Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.

Diamond Card Ltd will take all the steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your Personal Data will take place to an organisation or a country unless there are adequate controls in place including the security of your data and other personal information.

Disclosure of Data

Diamond Card Ltd may disclose your Personal Data in the good faith belief that such action is necessary to:

• To comply with a legal obligation
• To protect and defend the rights or property of Diamond Card Ltd
• To prevent or investigate possible wrongdoing in connection with the Service
• To protect the personal safety of users of the Service or the public
• To protect against legal liability

Security of Data

The security of your data is important to us but remember that no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.

Service Providers

We may employ third party companies and individuals to facilitate our Service ("Service Providers"), provide the Service on our behalf, perform Service-related services or assist us in analyzing how our Service is used. These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

Advertising

We may use third-party Service Providers to show advertisements to you to help support and maintain our Service.

Google AdSense & DoubleClick Cookie

Google, as a third-party vendor, uses cookies to serve ads on our Service. Google's use of the DoubleClick cookie enables it and its partners to serve ads to our users based on their visit to our Service or other websites on the Internet. You may opt out of the use of the DoubleClick Cookie for interest-based advertising by visiting the Google Ads Settings web page: http://www.google.com/ads/preferences/

Payments

We may provide paid products and/or services within the Service. In that case, we use third-party services for payment processing (e.g. payment processors). We will not store or collect your payment card details. That information is provided directly to our third-party payment processors whose use of your personal information is governed by their Privacy Policy. These payment processors adhere to the standards set by PCI-DSS as managed by the PCI Security Standards Council, which is a joint effort of brands like Visa, MasterCard, American Express and Discover. PCI-DSS requirements help ensure the secure handling of payment information.

Their Privacy Policy can be viewed at https://www.apple.com/legal/privacy/en-ww/

Their Privacy Policy can be viewed at https://www.google.com/policies/privacy/

Links to Other Sites

Our Service may contain links to other sites that are not operated by us. If you click a third party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit.
We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.

Children's Privacy

Our Service does not address anyone under the age of 18 ("Children"). We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your Child has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from children without verification of parental consent, we take steps to remove that information from our servers.

Changes to This Privacy Policy

We reserve the right to update, amend, change or review our Privacy Policy from time to time without any notification to you. Changes to this Privacy Policy are effective as and when they are posted on this page.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Contact Us

• By email: info@ghscratch.com

Diamond Card Limited is committed to keeping high standard of integrity in serving the gaming community and to that end will actively prevent and take measures to guard against its facilities being used as a medium for money laundering activities and terrorism financing activities and any other activity that facilitates money laundering or the funding of terrorist or criminal activities.

We also intend to prevent the misuse of our technological platform in money laundering or terrorist financing schemes such as internationally accepted credit or debit cards and mobile money payment platforms.

This page to inform you of our policy regarding customer risk assessment, capture suspicious transaction, cash transaction and report same to the appropriate Anti Money Laundering authorities and the maintenance of such records and reports.

Definitions

Money Laundering: refer to the concealment of the origins of illegally obtained money, typically by means of transfers involving foreign banks or legitimate businesses. It is the process where the identity of the proceed of crime is so disguised that it gives an impression of legitimate income.

• Placement – The movement of cash from its source and placing it in circulation through financial institutions, casinos, businesses, disguised shops, forex bureau, transfers both local and abroad, etc
• Layering – This is meant to make the trailing of illegal proceeds difficult for the law enforcement agencies, making it difficult to detect and uncover laundering activity.
• Integration – This is the movement of previously laundered money into the economy mainly through the banking system thus legitimizing it.

Terrorist Financing: is where a person intentionally uses, possesses or receives funds which they know, or suspend will be used for the purposes of terrorism. Terrorist may raise funds through legitimate means may also use techniques like those of money launderers to evade authorities’ attention and to protect the identity of their sponsors and of the ultimate beneficiary of the funds.

Proliferation: A person engaged by another person who knows or reasonably suspects that a property is for financing of proliferation of weapons of mass destruction.

• This could be where a criminal uses the money he/she earns from drug dealing to buy a car or a house, or the criminal spends the money he/she gained in a bank robbery or the criminal spends funds that he/she has stolen from his/her employer to buy scratch & win card.
• These offences can be committed by any person, including the operator and their employees, who have knowledge or suspicion that a customer is using the proceeds of crime to buy and play scratch and win cards.

• Know Your Customer (KYC) process and outcome
• Payment methods
• Number of accounts
• Number of mobile money wallet
• Deposit cash into your account, buy no card and withdraw out
• A customer provides false identity
• A person below the age of 18years
• Customer demanding transfer into another person’s account
• Compromise with employee(s)
• Attempt of cheating or tempering with website or data base

We reserve the right to delete/block your account and prevent you from playing the game if you are believed to be a high risk customer. Deletion/Blockage of your account implies that any amount of money in the account as of that time will be lost by you. We may file a suspicious report with the authorities.

Know Your Customer

You will be required to provide the following information to register and play the game of scratch and win:

• Date of Birth
• Gender
• First name and last name
• Email Address
• Country
• Phone number
• Momo Number (Mobile Money Wallet)
• User Name
• Password
• Picture (optional)

The information provided by you in addition to your transactional records shall for the register for the keeps as required by law.

Verification of Customer Identity

Being an online product, we verify your identity by authentication of the mobile number provided and registered on our platform by:

• 1.     Receiving a code on Your mobile number upon submission of the information we requested and you supply
• 2.     You are required to enter the Received Code into a form appearing on your screen
• 3.     A successful entry will complete of the registration process and you will be notified as “Congratulations”.
• 4.     An ID matched against the person physically present shall be required when a winner is to be paid a certain amount so indicated by the game.

Suspicious activity may be the type of behaviour which may indicate an offence includes you buying card(s) and cashing in the winnings (converting), or someone placing cash into your account and not using it (concealing), or placing money in an account and someone else withdraws the funds (concealing, disguising, transferring).

Cash Transactions

Suspicious Transaction Report

Where you suspected of a transaction to be linked to proceeds of crime, the Systems Manager shall make a report to Financial Intelligence Centre (FIC) within twenty-four hours (24hrs) of the suspicion.

The System Manager will be responsible for deciding whether or not the suspicion of illegal activity is great enough to justify the submission of a Suspicious Transaction Report (STR).

Contact Us

If you have any questions about this Privacy Policy, please contact us:

By emai: info@ghscratch.com