Terms of Service

Discovery · Last updated: 28 October 2026

These terms are the agreement between you and Discovery Technologies ("Discovery", "we", "us") when you use the Discovery mobile apps or ghdiscovery.com. By creating an account you accept them, together with our Privacy Policy, Refunds & Cancellations Policy, Acceptable Use Policy and Cookie Notice.

What Discovery is

Discovery is a marketplace. We connect you with independent providers: restaurants, grocers, hosts, drivers, couriers, tour operators, guides, event organisers, vehicle owners and transport companies. Except where we say otherwise, the provider supplies the goods or service, and the contract for it is between you and them. We operate the platform, take payment, hold and pass on money, and help resolve problems.

Your account and signing in

• You must be 18 or older.
• Give accurate details and keep them current. A wrong phone number or address is the most common reason an order fails.
• You sign in with a one-time passcode (OTP) sent by SMS or email, or with a password or a supported social sign-in. Never share a passcode with anyone. Discovery staff will never ask you for one.
• You are responsible for activity on your account and on any device you leave signed in. Tell us at support@ghdiscovery.com straight away if you think someone else has access.
• One person, one account. Do not impersonate anyone.

Orders, bookings and prices

• Prices are shown in Ghana cedis (GH₵). Where another currency is displayed for convenience, the cedi amount is what is charged.
• The total shown before you pay includes applicable delivery, service and platform fees. We will not add charges afterwards, except where a booking's own terms say so (for example, documented damage to a rented vehicle, explained in our Refunds & Cancellations Policy).
• Placing an order is an offer. It is accepted when the provider confirms it, or when we confirm it on their behalf.
• Availability can change between browsing and ordering. If something becomes unavailable after you pay, you get a refund for that item.

Payment

• Card and mobile money payments are processed by Paystack. We do not see or store your full card number.
• You may also pay from your Discovery wallet where it holds enough available balance.
• If a payment is taken but the order does not complete, the amount is refunded to the original payment method or to your wallet.

Your Discovery wallet

• Your wallet holds spendable Discovery credit: refunds, promotional credit, and money you top up through Paystack.
• Available and held balance. Some amounts are held rather than available, for example a vehicle-rental security deposit, or a payment that is still clearing. A held amount cannot be spent or withdrawn. It returns to your available balance when it is released, or is applied as the booking's terms say.
• Transfers. You can send credit to another Discovery wallet. Any transfer fee is shown before you confirm. A completed transfer cannot be reversed by us except where the law requires or where we find fraud.
• Withdrawals. You can withdraw available balance to a mobile money account in your name. Any withdrawal fee and limit is shown before you confirm. Promotional credit cannot be withdrawn.
• Protection. Money actions (transfers and withdrawals) are protected by a wallet PIN and, where your device supports it, your device's biometric check. Keep your PIN secret. We will never ask you for it.
• The wallet is not a bank account or a deposit, and it earns no interest. We may pause a wallet, or hold a transaction, while we investigate suspected fraud, a legal requirement or a dispute, and will tell you why unless we are prevented from doing so.

Cancellations and refunds

Our Refunds & Cancellations Policy sets out the rules in full. In short:

• If you cancel, the platform fee is not refunded. The rest is refunded according to the listing's stated cancellation policy, shown before you book.
• If the provider or Discovery cancels, you get a full refund, including any platform fee.
• If an event is cancelled, you get a full refund automatically: instantly to your Discovery wallet, or back to your card or mobile money (usually within 5-10 working days, depending on your bank).
• A vehicle-rental security deposit is held and returned after drop-off, less any documented damage, with the evidence shared with you.
• Tours, activities and guide bookings can be cancelled per line item, under each listing's stated policy.

Live trips, deliveries and contact

• While an order, ride or delivery is active, we share your live location with the driver or courier doing it, and theirs with you, so the job can be done and tracked. Sharing stops when the order ends.
• Your phone number and the driver's or courier's phone number are visible to each other only while the order is active.
• In-app chat about an order closes 24 hours after the order ends. We keep the conversation for safety and dispute handling, as described in our Privacy Policy.

Using Discovery properly

You agree to follow our Acceptable Use Policy. We may suspend or close an account that does not.

Reviews and content you post

You keep ownership of what you write and the photos you upload, and you give us permission to display them in the app in connection with the listing they relate to. Reviews should be honest and based on a real experience. We may remove content that is unlawful, abusive or fraudulent.

The travel assistant

The in-app assistant generates suggestions automatically. It can be wrong, and it does not replace checking the details of anything before you book it. Nothing it says is professional, legal, medical or travel-safety advice.

Providers

If you register as a provider, the Provider Terms also apply, including identity verification, commission and platform fees, and payout timing. You are responsible for the accuracy of your listings, for holding any licence your trade requires, and for the quality and safety of what you supply. Partnership questions: partners@ghdiscovery.com.

Our liability

We provide the platform as it is, and we do our best to keep it working. We are not liable for the acts of an independent provider beyond what the law requires of us, nor for indirect or consequential loss. Nothing here limits liability that cannot lawfully be limited, including for death or personal injury caused by negligence, or for fraud, and nothing here takes away rights you have under Ghanaian consumer protection law.

Suspension and closing your account

You can close your account at any time in the app (Account > Delete my account). Withdraw any available wallet balance first; held amounts are settled as their booking's terms say. We may suspend or close an account that breaches these terms, or where required by law, and will tell you why unless we are prevented from doing so.

Changes to these terms

We may update these terms. If a change is material we will notify you in the app before it takes effect. Continuing to use Discovery after that means you accept the updated terms.

Governing law and disputes

These terms are governed by the laws of the Republic of Ghana, and the courts of Ghana have jurisdiction over any dispute. Before going to court, please contact us so we can try to resolve the problem.

Contact

• General help: support@ghdiscovery.com
• Refunds, billing and payment disputes: payments@ghdiscovery.com
• Privacy and data requests: privacy@ghdiscovery.com
• Providers and partners: partners@ghdiscovery.com
• Security vulnerabilities: security@ghdiscovery.com

Discovery Technologies · https://ghdiscovery.com. Registered company details and address are available on request from support@ghdiscovery.com.