Terms & Conditions



These terms and conditions (the Agreement) apply to your access to the Petra Online Portal on this site (the Services) by Petra Trust Company Limited (“Petra”) which has its registered office at 113, Airport West, Dzorwulu, Accra, and which is licensed by the National Pensions Regulatory Authority. References to 'you' and 'your' are references to the person accessing this site. References to 'Petra', 'we', 'us' and 'our' are references to Petra.


  1. Registering to use the Services

    1. When you access the Services for the first time, you will be required to create an account by going through our 2-Step Verification process.
    2. You must safeguard your password and additional security information. Under no circumstances should you keep a written or electronic record of your password, security information, nor disclose them to any other person, Your password and security information must remain confidential to you alone and you must take all reasonable steps to prevent disclosure of your password and security information.
    3. You must notify us in writing of any disclosure or possible disclosure of your password and security information to us as soon as you become aware, or suspect, that either has been disclosed and provide us with all information and assistance as we reasonably require.

  2. Provision of the Services

    1. Your right to use the Services is personal to you and you must not permit any other person to access or use the Services using your credentials.
    2. We reserve the right to restrict access to our Services, at our discretion; you must not circumvent or bypass, or attempt to circumvent or bypass, any access restriction measures of our Services.

  3. Communications via the Services

    1. Any electronic communication we send to you will be deemed received by you when that communication leaves our server. Any electronic communication you send to us will be deemed received by us when that communication is received on our server.
    2. You are responsible for keeping appropriate records of all communications sent and received using the Services.
      3. Where you discover that a communication from you is, or has been, corrupted or contains incorrect information or instructions, you agree to re-transmit your communication to us as soon as reasonably practicable clearly identifying that it is a corrected communication.
    3. You accept responsibility for the completeness and accuracy of any communication sent to us using the Services and you acknowledge and accept that we will not be liable for any loss, damage or expense that you may suffer as a consequence of any incomplete or incorrect communication.
      4. You authorize us to treat any electronic communication from you as a valid communication. However, for your protection, we reserve the right to obtain written confirmation from you of any application or other communication sent via the Services.
    4. We have taken all reasonable steps to ensure that the security applicable to the Services affords a high degree of protection. Accordingly, we will treat all communications received from you as your official communications even if you can later prove that they were not signed or sent by you or with your authority, provided that we were not guilty of negligence, fraud or wilful default in treating them as valid communications.

  4. Limitations of Liability

    1. The Services may be temporarily unavailable or restricted for administrative or any other reason and we do not accept any responsibility and will not be liable for any loss or damage arising out of, or in connection with, loss of access to, or use of, this site or the Services. In the event that the Services are unavailable, you should contact us.
    2. You acknowledge and accept that neither we nor anyone that we are responsible for shall have any liability for any loss, damage or expense that you may suffer as a result of our delay in carrying out, or failure to carry out, any instruction contained in any communication sent by you where such delay or failure is a result of force majeure or other circumstances beyond our reasonable control.
    3. Whilst we take all reasonable care to ensure all electronic communications, emails and any attachments we may send to you are free from any known virus, glitch or bug we do not give any such warranty and, unless proved to be due to negligence on our part, shall not be liable to you for any loss, damage or expense you may incur as a result of such virus, glitch or bug.
    4. We reserve the right to discontinue or alter the Service, at any time in our sole discretion without notice or explanation; and save to the extent expressly provided otherwise in these terms and conditions, you will not be entitled to any compensation or other payment upon the discontinuance or alteration of the Service.

  5. Data Security

    1. Whilst we have taken every precaution to ensure that data held by us is secure from unauthorized access, we do not have control over the internet or the computer environment that you use to access the Services. Should you provide personal information to us by email you accept the risk that such an email may be intercepted by third parties and we shall not be considered in breach of confidence or any other duty or legal requirement nor for any loss, damage or expense which you may incur should such interception occur.
    2. You acknowledge that where you access the Services by using a computer or computer network operated or maintained by a third party (such as, without limitation, your employer) that such third party may legitimately, or otherwise, intercept and monitor your use of the Services or any email sent or received by you on that network. Where this occurs we will not be considered in breach of confidence or in breach of any other duty or other legal requirement and shall not be liable for any loss or expense which you may incur. You should refer to such third parties' policies relating to internet usage to understand what information is stored on their networks, and what restrictions may apply to internet usage from their network, before you access the Service, send emails or provide an email address from such a network.

  6. Intellectual Property Rights

    1. Except for the purpose of accessing the Services and producing print-outs for your own personal use or to the extent that we consent otherwise in writing addressed to you, no material on this site may be copied, displayed, modified, reproduced, stored in a retrieval system, transmitted (in any form or by any means), distributed, used for creating derivative works or used in any other way for commercial or public purposes.

  7. Suspension and Termination of the Services

    1. At our sole discretion, we may immediately suspend or terminate your access to and use of all or any part of this site and the Services from time to time. We will inform you of any suspension or termination as soon as reasonably possible.
    2. You may terminate your right to use the Services by giving notice in writing to us. Your notice will be effective on receipt of your notice by us.
    3. If you close your account with us or end the relationship with us, we will keep your information for as long as required by applicable legislation or regulation.

  8. Complaints

    1. If you have a comment or complaint about the Services, please tell us in writing. Details of our contact information are available on our Website.

  9. Variation

    1. may vary this Agreement at any time on written notice to you, either by direct communication with you, or by general notice on the site. Any change by us will be effective immediately and deemed accepted by you the next time you access the site or use the Services, or 14 days after we have given you notice (whichever is the shorter period). No amendment to this Agreement by you will be effective unless made in writing and signed by both parties. You should ensure that you read this Agreement every time you use the Services to ensure that you are still in agreement with its contents.

  10. Severability

    1. If a provision of these terms and conditions is determined by any court or other competent authority to be unlawful and/or unenforceable, the other provisions will continue in effect.
    2. If any unlawful and/or unenforceable provision of these terms and conditions would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect.

  11. Entire Agreement

    1. These terms and conditions shall constitute the entire agreement between you and us in relation to your use of the Services and shall supersede all previous agreements between you and us in relation to the Services.

  12. Governing Law

    1. This site and this Agreement are governed by, and are to be interpreted in accordance with the laws of Ghana.
    2. The courts of Ghana will have exclusive jurisdiction to settle any claim or matter arising under or in relation to this Agreement. To the fullest extent permitted by law, we accept no responsibility for the compliance of the information on this site or the supply or non-supply of the Services with the laws of any other country.