How It Works

1. Create a skaigroup.biz Account
This could not be easier.
Just fill out your details and we will send a confirmation email to your inbox. In this email there will be a link to follow which will activate your account.
You will now be able to buy and send mobile credit to your friends and family back home. Skaigroup.biz is more direct and faster than money transfer – and a whole lot less expensive. Anyone in any part of the world can sign up now.

2. Select the Service
Just select the country and mobile operator you want to send credit to and select the amount of mobile credit you want to send. You then enter the number you want to send the credit – and you are done!

Your family and friends will be so pleased to receive credit directly to their phone – and we will send them a message telling them that you have just added credit to their phone.

You can send credit to all phones in Ghana at the moment; we will be adding more countries and mobile operators very soon.

3. Pay for Credit
Enter your payment card details - our site is highly secure working to industry standards, all transactions are also verified by VISA, MasterCard, Paypal and VeriSign.

After you send mobile credit we will email you a receipt confirming the details of your transaction. You can also look at previous transactions from the “My Account” menu where you can also send the same mobile credit again very easily and quickly.

Your data
We will only send you information about the products that you have selected. You will be able to change preferences or opt-out of this service at any time in the ‘Personal Settings’ area. Personal information collected by us as part of this service will be treated in accordance with the Skaigroup Privacy Policy (Click here for the privacy policy), which forms part of this Agreement.

Please note that the sending of personal information via e-mail over the internet may not be secure and can be intercepted by third parties or incorrectly delivered. You should not divulge personal information over the internet unless you are using a secure or encrypted communications technology.
We shall be entitled, but not obliged, to record all communications from, or instructions given by you to us, or messages sent by us to you through the Website.

Your account
You shall ensure that all instructions given by you to us through the Website are accurate and complete, and that, where appropriate, you correctly identify the mobile phone account to which any amount is to be credited or debited. In particular, prior to confirming any instruction to us, you shall ensure that the instruction which is relayed back to you confirming the instruction that you send through the Website, is the instruction which you intend to give. We are entitled to rely on any instruction from you and, for the avoidance of doubt; the processing by us of any such confirmed instruction shall be final and binding on you.

You shall carefully examine any Top-Up information sent to us, or any other information provided by us to you through the Website from time to time, and shall report any errors or omissions to us in writing within 30 days from the date of dispatch of such statements or receipt of such information. In the event that no error or omission is reported by you within the time specified, we shall be entitled to rely on the conclusiveness of the relevant statement of account as respects further transactions, provided that nothing herein will prevent us or you subsequently adjusting information to correct an error or omission, but in that case without any claim to compensation or damages arising on account thereof.

Terms & Conditions

General
The provision of Services to you through the Website is subject to your acceptance of the Agreement. By completing the Registration Form and/or by using the Website, you expressly agree to be bound by the terms and conditions below, the Skaigroup Privacy Policy, and any other terms and conditions of this Agreement.

If you object to this Agreement or any subsequent modifications to it, or become dissatisfied with your membership of the Website in any way, your only remedy is to immediately: a) discontinue your use of the Website; and b) terminate your membership by notifying us in writing. Click here for our contact information.

Certain words in this Agreement have the meanings set under them at the end of this webpage.

Membership Information
When registering as a member of the Website, you must provide us with accurate, complete and up-to-date information as requested on the Registration Form. You agree that the information supplied with your Registration Form will be truthful, accurate and complete. It is your responsibility to inform us of any changes to that information, including your region of residence. You may do this at any time by clicking on the ’Personal Settings’ section of the Website. All personal information you provide us as a member will be treated in accordance with the Skaigroup Privacy Policy.

If you are under 18 years of age, you must obtain a parent/guardian's consent prior to using the Website. If you are an employee of a company or other entity or are acting on behalf of a company, you must be authorised to enter into these Terms of Use on behalf of your employer.

Your contribution
When you send us any feedback, suggestions, ideas or other materials in relation to or via our site or the services, you agree that we can use, reproduce, publish, modify, adapt and transmit them to others free of charge and without restriction, subject to our obligations in our Privacy Statement.

Use of Information and Confidentiality
Subject to the terms of the Privacy Policy, and except to the extent that such disclosure is required under compulsion of law or pursuant to a direction or request issued by the Financial Regulator or other competent statutory or regulatory authority, we shall ensure that all your confidential personal data held by us in relation to this Agreement shall only be accessible to us, our agents or a company controlled by us and shall be processed or used by us for purposes and in a way compatible with the discharge of our obligation to you under the Agreement.

You shall ensure that all information obtained from us by you relating to our operations, services, software, hardware and/or systems in connection with this Agreement shall be treated by you in strictest confidence and shall not be disclosed by you to any third party unless it is already in the public domain.