Hala-Gh Logo
Terms & ConditionsBMA Hala GH LTD - Customer Terms & Conditions
Last updated: 9/19/2025
The following terms and conditions (hereinafter referred to as the "Terms") as updated from time to time, are applicable to all Hala Products unless clearly stated otherwise. These Terms as well as Hala GH customer privacy policy (the "Privacy Policy") as updated from time to time, are explicitly incorporated into the Product Application & Credit Agreement (the "Agreement"). The Customer ("You" or "Your") should therefore read the below Terms together with Your Agreement and the Privacy Policy. Acceptance of the Agreement shall constitute acceptance of these Terms and the Privacy Policy. At Hala GH we take the privacy of our customers and their data very seriously.
Questions or Concerns?Any questions, complaints, claims, or other communications relating to these Terms should be directed to contact@halagh.com
1. DefinitionsThese Terms use certain capitalised terms that are also used in Your Agreement. Any capitalised terms that are used in these Terms and not otherwise defined have the same meaning as in the Agreement. For example, terms such as Product, Initial Payment, Credit Payment and Total Payment have the same meaning when they are used in these Terms and in Your Agreement. These Terms also have the following additional defined terms:
"Account "means the Hala GH customer account used for purposes of receiving payment of Your Initial Payment and applicable Credit Payment.
"Additional Product "means any follow-on or upgrade product and/or service that is purchased by You.
"Gateway Product "means the Product initially purchased by You which may inform your eligibility to purchase one or more Additional Products.
"Product "means the product and/or service purchased from Hala GH under the Agreement.
2. The credit paymentYou agree to pay the applicable Credit Payment by the required date (or in advance at Your choosing) and You agree that the applicable Credit Charge, shall be applied toward Your Hala GH outstanding balance, until You have paid the Total Payment within the period as set out in the Agreement. Further, You agree that Your Credit Charge may change if You purchase Additional Products. The Credit Charge is non-refundable under any circumstance, including upon return of the Product pursuant to paragraph 13 (Return of Product).
3. Mode of paymentThe Initial Payment and all applicable Credit Payments towards purchase of the Product and/or any Additional Product shall be made through Hala mobile app or dedicated USSD.
Important NoticeNo payments by cash will be accepted by Hala nor should they be made under any circumstances for the purchase of any Product or the payment of the Credit Payment. Please inform Hala GH customer service or email contact@halagh.com immediately if You are requested to make any cash payment or otherwise feel if you have been given wrong, misleading or potentially fraudulent information by any employee or agent of Hala GH.
4. Promotion/OffersBy reason of your purchase of the Product, You may be identified by Hala GH as eligible for various promotions and offers (including but not limited to airtime and data bundles). You will receive an SMS or WhatsApp notification informing You of the available promotions and the applicable terms and conditions. Those terms and conditions will be supplemental and subject to the Agreement and these Terms. Hala reserves the right to amend or vary the terms and conditions relating to such promotions/ offers. You may choose to opt out of receiving such promotions and offers by emailing admin@halagh.com or contacting Hala Customer Services.
5. Product deactivation & credit reportingIf You fail to fulfil your contractual obligations including keeping current on your Credit Payments, Hala GH may deactivate your Product (including by exercising a seller's lien as applicable under this credit sale arrangement) until you become current again in your Credit Payments. This could require the payment of more than one Credit Payment in order to unblock your Account.If you fail to keep current on the Credit Payments for the Product, your credit history may be reported to a credit reference bureau and may not be eligible for Additional Products and services from Hala GH.
6. Additional productsOnce You finalize payment of the Gateway Product with a good credit performance, You will then qualify to apply for an Additional Product. For the avoidance of doubt, the Additional Product can be another Product, or digital financial services such e-vouchers or any other product that Hala GH is offering as an Additional Product.Where you successfully purchase an Additional Product, You agree that such Additional Product will be subject to the applicable terms and conditions of such Additional Product and where applicable, these Terms. For the purposes of these Terms, the term Product will include an Additional Product If fail to keep current on the Credit Payment for such Additional Product, Hala may deactivate your Additional Product and the Gateway Product (even if you have paid the Total Payment for the Gateway Product) until you become current again in your Credit Payments. This could require the payment of more than one Credit Payment to unblock your Account.
7. Hala GH administrative right over your productYou understand that Hala shall have certain administration rights over your Product which will allow Hala to restrict usage of and potentially disable the Product (including by exercising a seller's lien as applicable under this credit sale arrangement) if your Credit Payment is not paid or your Account is otherwise in arrears. Further, you understand that these administration rights may be reactivated even if you have paid off the Total Payment for the Product in the event that you purchase Additional Products or services from Hala GH.
Important WarningYou agree not to attempt to alter the administration rights granted to Hala GH on the Product and any attempt to do so could void the warranty of the Product and violate the intellectual property rights of Hala GH and the relevant Product manufacturer.
8. Intended useAll Products should be used solely in accordance with the instructions provided in the relevant Product instruction manuals and Product end-user license agreements (where applicable). Further, Your Product must be maintained in proper repair and working condition in order to receive any applicable refund on your Product and You agree that if You contravene any of the instructions provided in the Product manuals, it will result in the forfeiture of the warranty of the Product.
9. Hala GH credit scoring schemeHala GH may request Your permission to access credit scoring information from third parties including mobile network operators, financial service providers or other third parties such as credit reference bureaus or similar credit scoring companies.This information would be used to 1) contact you (where applicable); and 2) establish a credit scoring profile, and such credit score could lead to different pricing for the Product depending on your score. You have the option to accept or deny this request. By agreeing to Hala GH's request (which may be sent to You in different formats, including via USSD at the point-of-sale), You agree that Hala GH will initiate a process to retrieve Your personal information and your credit scoring (including via a information call) and You agree to all applicable personal data sharing between Hala GH and such third party credit score provider, subject to applicable laws. You may withdraw your consent at any point during the process by refusing any further permission requests.The Privacy Policy shall apply to all aspects of the credit scoring information request. Hala GH takes no responsibility for any error, delay, failure, or non-availability of the credit scoring service, and you shall hold Hala GH harmless against any detriment, damage, or loss you may sustain as a result of non-favorable credit information, non-availability of credit information, or any error, delay, failure, or non-availability of the service.
10. Contact informationYou consent that Hala GH will send electronic communications to the contact information which You provide in the Agreement. You are solely responsible for the accuracy of such information and must ensure that all contact information provided to Hala GH is complete and accurate in order to allow Hala to contact You or the Alternative Contact Person during reasonable hours regarding Your Account. You agree that it shall be Your sole responsibility to keep Your contact information current and You will be deemed to have received any notice issued based on the contact information provided by You to Hala GH, whether or not You actually receive the information or not.
11. Lost, stolen or damaged productsI understand that Hala GH is not responsible for the recovery of lost or stolen Products and does not track lost or stolen Products. If my Product is lost or stolen at any point, during or after the term of the Agreement, it is my responsibility to report the matter to the appropriate police authorities. I further agree that even if the Product gets lost, stolen or damaged while out-of-warranty, I will be responsible for paying the applicable Credit Payment and the Total Payment for my Product. Where You purchase the Product with an insurance cover and the Product is thereafter lost or stolen, then provided You meet Hala GH's insurance claim qualification criteria You will be eligible for a replacement '2nd life phone' (subject to any other applicable terms and condition).
12. Ownership of the productYou understand that You shall take ownership of the Product at purchase under a credit sale arrangement but that Hala GH and/or the Product manufacturer (as applicable) shall at all times retain ownership to all of its intellectual property (whether registered or not) (the "Product Intellectual Property") that is used to operate the Product and the data generated therefrom, in both cases even after the Total Payment is paid.
Prohibited ActionsYou must not tamper, open, alter the administration rights, reverse engineer, misappropriate or modify and/or use the Product Intellectual Property in any other way not authorised by Hala GH and/or the Product manufacturer (as applicable) or aid any third party to do the same. Any contravention of this condition will result in forfeiture of the Product warranty, void any right to a refund and result in a fundamental breach of the Agreement.
13. AssignmentYou agree that You will not transfer or assign any rights or obligations under the Agreement without the prior written consent of Hala GH. Hala GH has the right to transfer or assign the Agreement or any right or obligation under the Agreement at any time. Further, You consent to such assignment by Hala GH of any rights or obligations therein, provided that such transfer does not alter my rights and obligations under the Agreement to Your detriment.
14. Inspection of Hala GHYou agree to grant to Hala GH, its employees or agents all reasonable facilities and opportunity for the inspection of the Product at any time, subject to reasonable notice, including but not limited to with respect to any repair services or for the purpose of investigating any fraudulent uses of the Product during the term of the Agreement.
15. Return of productYou may return Your Product to any Hala GH authorized retail store at any time during the Term of the Agreement, provided that You do not have an existing Hala GH Product or, Your Product is not being used as collateral for a loan elsewhere. Your Product will be evaluated, and You may:
  • Be eligible for a refund of Your Initial Payment either in full or in part depending on the evaluated condition of Your Product; and
  • Be released from Your Remaining Credit Payment obligation under the Agreement.
16. WarrantiesHala GH will repair or replace a Product, in accordance with the warranty terms provided by the Product manufacturer. The warranty is valid only if the Product is used as instructed and is not tampered with, opened, modified and/or used in other ways not authorised by Hala GH, the Agreement and these Terms. The warranty period is as set out in the instruction manual for the relevant Product.Hala GH reserves the right not to accept any Product that is returned under warranty. Approval from Hala GH's customer service is required before a Product can be returned to an Hala GH service center or shop for repair or replacement. Once approval has been obtained, You should return Your faulty Product to the nearest Hala GH authorized shop or authorized service center for repairs or replacement.
17. Additional provisions
17.1 Product ActivationHala GH will ensure the Product is activated once the Initial Payment is received and, thereafter, whenever Your Account has a positive credit balance. Hala shall not accept responsibility if a Product does not receive credit due to third party system or network outages which result in a failure for a Product to receive credits.
17.2 End Billing when Total Payment is PaidHala GH will complete billing for the Product and end further Credit Payment requirements once the Total Payment of the Product is paid. Hala GH reserves the right to reactivate and maintain the module and billing for any Additional Products that You may purchase.
17.3 Product InstallationHala GH shall train its agents on how to install the Products and shall certify that the Products are in good working condition upon installation with confirmation by You. Where You choose to install the Product on Your own without the assistance of an Hala GH certified installer, You shall be liable for any negligent handling which leads to the failure of the Product to perform as expected.
18. Third-party chargesYou acknowledge that from time to time You may communicate with Hala GH via USSD code in order to perform certain transactions on Your Account. You agree that such communication is made possible by third-party service providers and is subject to third-party charges. These third-party charges are separate from the Credit Charge and are paid by You directly to the third-party service provider whether disclosed by the third-party service provider in advance or otherwise. You agree that all charges payable to third-party service providers, including all applicable taxes, are Your sole responsibility.
19. Sim locked productTo the extent this paragraph is applicable to You, certain Products may be SIM-locked to a designated mobile network operator (MNO) in partnership with Hala. The SIM Lock configuration limits the full use of the Product to the MNO's network for the duration of the Offer Period (typically the duration within which Your Total Payment remains outstanding or a period not exceeding twelve (12) months from the date You purchase the Product, whichever is earlier).
SIM Lock Terms
  • Product remains SIM-Locked for the Offer Period
  • MNO SIM must be in the Primary Port for full functionality
  • Secondary Port SIM cards limited to voice and SMS only
  • No tampering with software/hardware during Offer Period
  • Free to use any MNO SIM after Offer Period ends
20. General provisionsNo waiver of these Terms by Hala GH will be deemed a further or continuing waiver of such term or condition or any other term or condition, and any failure of Hala to assert a right or provision under these Terms will not constitute a waiver of such right or provision. If any provision of these Terms is held by a court of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision will be modified to reflect the Hala GH's and Your intention or eliminated to the minimum extent such that the remaining provisions of the Terms will continue in full force and effect. These Terms will be governed and construed in accordance with the applicable laws of Your domicile. Any dispute or claim arising out of or in connection with it or its subject matter or formation (including non-contractual disputes or claims) shall be governed by, construed and determined in accordance with the applicable law of Your domicile.