Blue Financial Services Ghana Limited
Terms and Conditions for Mobile Banking Subscribers

1. Definitions

  • Blue refers to Blue Financial Services Ghana Limited (Reg. No. CS017342016), headquartered at Matti House, No. 817/1, No. 2, Eleventh Lane, Ringway Estates, Osu, Ghana.
  • User: A customer authorised by Blue to use the Mobile Application.
  • Mobile Banking Account: A User’s eligible deposit, credit, or other account(s) accessible via the Mobile Application.
  • Personal Information: Any user-related information collected in connection with the Mobile Application.
  • Password: Includes the Application Password, mobile PIN (mPIN), and Transaction PIN (tPIN) issued for secure access.
  1. Agreement

These Terms and Conditions constitute the agreement between the User and Blue. By enrolling in the Mobile Application service, the User agrees to abide by these terms. In case of any inconsistency with other account terms, these Terms shall prevail.

This agreement remains valid until replaced, terminated by either party, or upon account closure.

  1. Eligibility & Access

Access to the Mobile Application is at Blue’s sole discretion and limited to legally registered mobile subscribers. Registration does not guarantee service activation.

Blue may specify compatible software or devices and is not obligated to support all versions or platforms.

  1. Mobile Banking Services

Blue provides mobile banking services which may include account balance enquiries, transaction history, fund transfers, and other features as may be updated periodically. Service availability will be communicated through official Blue channels.

Reasonable measures will be taken to ensure system security and prevent unauthorized access. Users must not use the service for unlawful activities.

  1. Authentication and Password Security

Users will receive initial login credentials, which must be changed upon first access. Periodic password changes are strongly encouraged.

Users must:

  • Keep passwords confidential
  • Avoid recording them in any form
  • Prevent unauthorized access to their devices

Blue may implement additional security protocols at its discretion.

  1. Joint Accounts

Mobile banking for joint accounts is permitted if the mandate is ‘either or survivor’, ‘anyone or survivor’, or ‘former or survivor’. All account holders must provide written consent. Mobile access may be revoked upon formal request by any joint holder.

  1. Minimum Balance Requirements

Users must maintain a minimum balance as determined by Blue. Failure to do so may result in service suspension and applicable penalties.

  1. Service Charges

Blue may introduce charges for mobile banking services, which will be communicated to Users and published on bluefs.com.gh. Blue reserves the right to debit applicable fees directly from the User’s account(s).

  1. Fund Transfers

Transfers are permitted only if sufficient funds are available. Blue is not liable for delays or failed transactions caused by factors beyond its control. Users are liable for any overdraft and corresponding interest.

  1. Authority and Records

Transactions performed via the Mobile Application are deemed authorized. Blue will verify transactions using standard authentication methods but holds no responsibility for verifying transaction origin beyond password checks.

Blue’s internal records serve as the final reference in the case of any transaction dispute.

  1. Accuracy of Information

I confirm that all information and documents submitted on this app are accurate, authentic, complete, and lawfully obtained.

I acknowledge that Blue Financial Services Ghana Limited relies on these submissions and that any false, altered, incomplete declaration or misrepresentation may result in rejection, cancellation, recall of the loan, or legal action.

I accept full responsibility for the information provided and indemnify Blue Financial Services Ghana Limited against any loss or liability arising from inaccurate, fraudulent, or unauthorized submissions. 

Blue is not liable for errors resulting from user-provided data. Suspected errors should be reported promptly.

  1. User & Blue Liability

Users are protected from losses due to unauthorized transactions only if Blue is promptly notified and the User has not breached these Terms. Negligence, including password mishandling, may result in liability.

Blue is not liable for damages due to system outages, force majeure, or third-party failures. Reasonable efforts are made to maintain confidentiality and system integrity.

  1. Indemnity

Users shall indemnify Blue against all losses arising from misuse of the Mobile Application.

  1. Data Privacy

By enrolling, Users consent to the collection and processing of their personal data for service delivery, analytics, fraud prevention, and compliance with legal directives. Data may be shared with third parties under strict confidentiality.

  1. Intellectual Property

The Mobile Application and its associated software are the property of Blue. Users may not modify, reverse-engineer, or duplicate the software in any form.

  1. Amendments

Blue reserves the right to amend these Terms and will provide reasonable notice of changes via its website or other official channels. Continued use of the service implies acceptance of any updates.

  1. Non-Transferability

Access to the Mobile Application is granted to the registered User only and cannot be transferred.

  1. Termination

Users may terminate access by written request. Blue may suspend or terminate the service with notice in case of breach, account closure, or other valid reasons.

 

Declaration (Credit Protection) Scheme application
I the insured, understand, agree and, where applicable, declare that;

1) I am in good health and actively at work at inception date of this Policy, or on the day I am eligible to be included in the Scheme and have not
been absent due to illness for more than 10 days in the preceding 3 months due to health reasons.

2) If I cannot satisfy this condition, cover will not be provided until:
a) I have returned to work and completed two months’ continuous and active service, or
b) have completed a Proposal Form, satisfactory to Metropolitan Life, if I wish to be included in the Scheme at an earlier date.
Please note that if option b) is selected, then option a) may not be chosen.

3) Actively at work does not mean that I am at my place of work on the prescribed day, but that I am mentally and physically capable of carrying out
my normal regular duties associated with the job for which I am employed.

4) Should circumstances change so that answers are no longer valid, this information shall be forwarded to Blue Financial Services. I
understand that. failure to do so may invalidate the cover.

5) All the information supplied in connection with this policy, whether in my own handwriting or not, is true and complete and will form the basis of the
policy.

6) I am aware that Metropolitan Life underwrites the Blue Financial Services Credit Life Protection Scheme.

 

For further enquiries, contact Blue Financial Services Ghana Limited:
📧 customerservice@bluefs.com.gh
📞 0303 968 196 / 0501 609 958
🌐 bluefs.com.gh

Trust in Blue.