Installment Terms & Device Ownership Policy

These Installment Terms & Device Ownership Policy ("Installment Terms") govern the hire-purchase relationship between Pulseown Mobile ("Pulseown Mobile," "we," "us," or "owner") and the customer ("you" or "hirer") who enters into a hire-purchase plan for a new or quality-checked iPhone.

By confirming your order and paying your initial deposit, you enter into a hire-purchase agreement with Pulseown Mobile and agree to these Installment Terms.

1. Nature of this agreement

This is a hire-purchase agreement. Under this arrangement, Pulseown Mobile lets the device to you on hire during the payment period. You have the right to use the device during that period, and full legal ownership transfers to you only after your final payment has been received and confirmed. Ghana's Hire-Purchase Act requires hire-purchase agreements to be in writing and to include key payment details such as the installment amounts and due dates.

2. Payment structure

2.1 Initial deposit

To confirm your order, you must pay an initial deposit equal to 60% of the device price. The exact amount will be shown in your written plan before you commit.

Unless our Returns & Refunds Policy says otherwise, the deposit is not refundable if you cancel for personal reasons after the agreement has been confirmed. If Pulseown Mobile is responsible for the cancellation, including where the device materially differs from its agreed description, we will provide the appropriate remedy under our Returns & Refunds Policy and any mandatory law that applies.

2.2 Installment schedule

After taking the device home, the remaining balance is paid by scheduled installments. Before your order is confirmed, we will provide your written payment plan showing:

• each payment amount,
• each payment date,
• the total hire-purchase price,
• and the date on which ownership transfers to you after full payment.

Plan duration: 3 to 6 months, depending on the plan stated in your written agreement. Ghana's Hire-Purchase Act requires the agreement to state the amount of each installment and the date, or method of determining the date, on which each installment is payable.

2.3 Accepted payment methods

We accept:

• Mobile Money,
• bank transfer,
• and cash payment at our business address, with receipt.

All payments should reference your order number where possible.

2.4 No hidden fees

Your total hire-purchase price is the full amount stated in your written plan. We do not add undisclosed charges after you have agreed to the plan.

3. Device preparation and handover

After your initial deposit is received and confirmed, your device is prepared in-store. Before handover, each device is:

• factory reset,
• checked for iCloud activation lock removal,
• updated to the latest compatible iOS version where applicable,
• and, for quality-checked devices, inspected against its stated condition grade.

In most cases you take the device home the same visit. If any alternative arrangement is agreed, it will be confirmed with you in writing before you pay.

4. Title and ownership during the hire period

Legal title to the device remains with Pulseown Mobile until your final payment has been received and confirmed. During the hire period, you may use the device for personal purposes, but you must not sell, transfer, pledge, sub-hire, or otherwise dispose of it before completing the plan. The Act also contains specific rules dealing with third parties and wrongful disposal of goods during the hire-purchase period.

5. Your obligations during the plan

During the hire period, you agree to:

• make payments on time,
• keep the device in reasonable condition, allowing for normal wear and tear,
• not sell, gift, pledge, sub-hire, or transfer the device before ownership passes to you,
• keep your contact details up to date,
• and cooperate with our support team if a question or dispute arises under the agreement.

6. Device condition at delivery

Your device will be supplied in the condition grade stated in your written order confirmation. If you believe the device materially differs from the description you agreed to, contact us within 7 calendar days of receipt at support@pulseownmobile.com.

Where the device genuinely differs from its stated description or agreed condition, we will provide an appropriate remedy under our Returns & Refunds Policy and any mandatory law that applies.

7. Late and missed payments

We understand that financial circumstances can change. If you expect difficulty making a payment, contact us before the due date so we can review the situation in good faith.

7.1 Written notice before enforcement

Under section 17 of the Hire-Purchase Act, Pulseown Mobile is not entitled, because of a default in payment or another obligation under the agreement, to enforce a damages, forfeiture, penalty, acceleration, termination, or repossession provision unless we have first made a written demand requiring compliance within a period of not less than 14 days from the date of service, and you still have not complied within that period.

7.2 Protected goods after 50% payment

Once you have paid 50% or more of the total hire-purchase price, the device may become protected goods under the Hire-Purchase Act. In that situation, the Act gives you additional legal protections, including restrictions on repossession without a court order.

7.3 Late fees

A late fee may apply only if it is clearly stated in your written plan before you agree to the plan. We do not charge undisclosed late fees.

8. Early repayment and completion

You may settle your outstanding balance early at any time. To do that:

1. email support@pulseownmobile.com,
2. request your current settlement balance,
3. and pay the confirmed amount using an accepted payment method.

No early repayment penalty applies unless clearly stated in your written plan and permitted by law. Once the full outstanding balance is paid, ownership transfers to you and we will confirm that in writing.

9. Your right to terminate

Before the final payment falls due, the Hire-Purchase Act gives the hirer a statutory right to terminate the agreement by written notice. The Act also limits the hirer's liability after valid termination.

If you choose to terminate:

• send written notice to support@pulseownmobile.com,
• return the device in reasonable condition, allowing for normal wear and tear,
• and pay any amount you remain legally responsible for under the Act.

Nothing in these terms removes or restricts any statutory right you have under Ghanaian law.

10. Pulseown Mobile's right to terminate

Pulseown Mobile may seek to terminate the agreement if you:

• fail to remedy a missed payment after the written notice period described in section 7.1,
• sell, transfer, pledge, or otherwise dispose of the device during the hire period in breach of these terms,
• or deliberately damage or destroy the device.

Any enforcement or recovery steps will be taken only in accordance with Ghanaian law, including the Hire-Purchase Act and any court process required in the circumstances.

11. Warranty

Unless a different warranty period is stated in your written plan, we provide a 30-day limited functionality warranty covering hardware defects present at the time of delivery. Cosmetic wear consistent with the device's stated condition grade is not covered.

If you believe there is a warranty issue, contact support@pulseownmobile.com within the warranty period. We will assess the issue and, where appropriate, offer a repair, replacement, or refund in line with our Returns & Refunds Policy and any mandatory law that applies.

This warranty does not limit any rights you may have under Ghanaian law.

12. Returns

Returns are governed by our Returns & Refunds Policy. Please read that document for the full process, eligibility rules, and refund handling.

13. Dispute resolution

If a dispute arises, please contact us first at support@pulseownmobile.com. We will try to resolve the issue in good faith.

If direct resolution does not work, the parties may agree to mediation or arbitration in Ghana under the Alternative Dispute Resolution Act, 2010 (Act 798), where applicable.

Nothing in this section prevents either party from going to a court of competent jurisdiction where Ghanaian law requires or allows that.

14. Governing law

These Installment Terms are governed by the laws of the Republic of Ghana, including the Hire-Purchase Act, 1974 (NRCD 292) and, where relevant to dispute-resolution procedures, the Alternative Dispute Resolution Act, 2010 (Act 798).

If any part of these terms conflicts with mandatory Ghanaian law, the conflicting part will be treated as severed to the extent necessary, and the rest of the terms will continue in effect.

15. Contact

For payment questions, support, or issues with your plan:

• Email: support@pulseownmobile.com
• Phone: +233 500 741 015
• Business name: Pulseown Mobile
• Address: Broadway Road, AM446, Tarkwa, Ghana
• Country: Republic of Ghana