Terms & Conditions

1. General

These Terms and Conditions govern the relationship between the operator of the 5/90 Online Lottery and you, as a player, when you play through the website or mobile application. By creating an account or placing a stake you accept these terms in full and agree to be bound by them.

2. Definitions

Stake

The amount debited from your wallet to play, less any allowable deductions.

Game

The 5/90 Online Lottery played through the web or mobile application, or on USSD.

Draw

The event at which five balls are drawn from numbers 1 to 90.

E-ticket

The confirmation showing your game type, numbers, stake, draw date and unique ticket reference.

Combination

One bettable line. A Perm ticket is made up of many combinations.

3. Scope

These terms set out the operator's and your responsibilities, your rights, and the rules and restrictions that apply to gameplay. The National Lottery Authority is the regulating body under the National Lottery Authority Act, 2006 (Act 722) and the Lottery Regulations, 2008 (L.I. 1948).

4. Game details

4a. Winning multipliers

For a debit of GHS 1.00, a Direct 1 win pays GHS 40.00, Direct 2 pays GHS 240.00, Direct 3 pays GHS 2,100.00, Direct 4 pays GHS 6,000.00, Direct 5 pays GHS 44,000.00, Perm 2 pays GHS 240.00 per combination, Perm 3 pays GHS 2,100.00 per combination, and Banker pays GHS 960.00.

4b. The games

• Direct 1 — your number must be the first number drawn.
• Direct 2 — both of your numbers must be among the five winning numbers.
• Direct 3 — all three of your numbers must be among the five winning numbers.
• Direct 4 — all four of your numbers must be among the five winning numbers.
• Direct 5 — all five of your numbers must match the winning numbers exactly.
• Perm 2 — select more than two numbers and they are combined in sets of two. Each pair pays as a Direct 2.
• Perm 3 — select more than three numbers and they are combined in sets of three. Each triple pays as a Direct 3.
• Banker — select one number, which is paired against the other 89 numbers. It must be one of the five winning numbers.

4c. Draw times

Noon Rush is held from Monday to Saturday. Each game opens at 8:30 PM on the preceding evening and closes at 1:25 PM on the game day, except Monday Noon Rush which opens at 6:30 PM the previous day. The draw is held at 1:30 PM.

Original 5/90 is held Monday to Saturday as Monday Special, Lucky Tuesday, Midweek, Fortune Thursday, Friday Bonanza and National Weekly. Each opens at 1:30 PM and closes at 7:55 PM, with the draw at 8:00 PM. Sunday Aseda opens at 8:30 PM on Saturday evening, closes at 5:55 PM on Sunday, and draws at 6:00 PM.

4d. Stake limits

The minimum stake is GHS 0.50 and the maximum is GHS 200.00 per combination, with a maximum of GHS 200.00 per ticket.

4e. Late entries

You must complete and pay for your selection before the game closes and before the draw for that game begins. Anything played after the closing time or after a draw has commenced is invalid and not eligible for winnings.

5. Revisions

The operator reserves the right to change these terms and the gameplay mechanics at any time, without prior notice. Changes are reflected in the app and on the operator's website and social media channels. By continuing to play after a change is published you accept the revised terms.

6. Copyright and trademarks

All game content, software and graphics are the property of the operator and its licensors and are protected by Ghanaian copyright law. Nothing may be reproduced, published or distributed without prior written consent. Game names, logos and the name “5/90” are trademarks and may not be used without permission.

7. Eligibility

The game is restricted to players aged 18 or over who hold a phone number registered in Ghana with a Mobile Money account on MTN, Telecel or AirtelTigo. Dialing *000# or playing on this platform indicates that you understand the rules and accept these terms.

8. Security

The gameplay platform and all mobile transactions and player data are encrypted. However, no party can be responsible for unauthorised access to your phone or your Mobile Money account. Keep your PIN secret and do not share it with anyone.

9. Limitation of liability

To the fullest extent permitted by law, the operator is not liable for:

• games played outside the stated times, whether through technical difficulty, transmission error or delay;
• downtime, server disruption or system failure affecting gameplay;
• gameplay resulting from unauthorised access to your device or Mobile Money account;
• any delay or failure caused by events beyond its reasonable control;
• any winnings on stakes above the maximum limit;
• acts or omissions of third parties including network operators and payment providers.

Total liability to a player shall not exceed the amount staked in the affected game. The operator may withhold the payment of winnings while any dispute is resolved.

10. Miscarried and cancelled games

Every valid stake is refunded in full if a lottery draw does not take place. If a game miscarries because of a system failure, the operator may refund the amount wagered to your Mobile Money wallet at its discretion. Refunds for losses caused by downtime or technical disturbance are at the operator's discretion.

11. Payments

You authorise the operator to pay any winnings to the Mobile Money account registered on your account. Transaction charges imposed by your network are your responsibility. All transactions are processed in accordance with Ghana's anti-money-laundering regulations.

The operator may void winnings, cancel services or refuse to pay where:

• the Mobile Money information you supplied is incorrect or misleading;
• you fail to provide identification, or it does not match your Mobile Money details;
• you play from a jurisdiction where the game is illegal;
• funds used to play were obtained through criminal or unauthorised means;
• you play after the game has closed or after the draw has commenced;
• you play above the maximum stake, or you are under 18;
• you have defrauded, or attempted to defraud, the operator or its partners.

12. Governing law and disputes

These terms are governed by the laws of the Republic of Ghana. Any dispute that cannot be settled amicably within 30 days is resolved by a court of competent jurisdiction in Ghana. The operator is not liable where performance is prevented by events beyond its reasonable control, including natural disasters, war, epidemic, industrial action, or the breakdown of communications or power.

13. Declaration by players

By playing you confirm that you are 18 or older, that you have read and understood the rules, that you accept these terms, and that you understand playing is at your own risk and that you alone are responsible for any losses you incur.

14. Privacy Policy

What we collect

To operate the game we collect your name, email address, Mobile Money number, date of birth, nationality, the stakes you place and the results of your tickets. When you play by USSD we collect your telephone number and your stakes. This data is necessary to provide the game; without it we cannot let you play.

How we use your data

• To operate the game — running your account and delivering the service.
• To process transactions — issuing ticket references and paying winnings to your Mobile Money account.
• To communicate with you — service updates, result notifications and changes to these terms.
• Marketing — promotional offers, where you have consented. You may opt out by contacting the support line.
• Customer support — answering your queries and improving the service.

Processing is carried out lawfully under the Data Protection Act, 2012 (Act 843).

Who we share it with

• Service providers who process data only on our instructions;
• law enforcement or regulators where disclosure is required by law;
• related companies for business continuity, where they process it under the same terms;
• a buyer in a merger or sale of assets, with protections carried across;
• the public only where you have won a significant prize and have consented to publication of your name.

How long we keep it

We keep your data only as long as needed for the purpose it was collected, or as long as the law requires. At the end of that period it is deleted, destroyed or anonymised.

How we protect it

We use appropriate technical, organisational and physical safeguards. No system is completely secure, so we cannot promise absolute protection. If we have reasonable grounds to believe your data has been accessed unlawfully, we will notify you in accordance with the Act.

Your rights

• To be told whether we hold data about you, and to see a description of it;
• to have inaccurate, incomplete or excessive data corrected or erased;
• to ask us to stop processing your data where it is causing you unwarranted harm.

We respond to such requests within 21 business days, after verifying your identity.

Children

The game is for people aged 18 and over. We do not knowingly collect data from anyone under 18. If you believe a child has given us data, contact us and we will delete it.

Changes and contact

We update this policy when our operations or legal obligations change, and will notify you when we do. Questions about your data can be sent to zawin@lotto.com.

15. Accessibility

These terms can be printed for your records at any time, and are available in the app whether or not you have a data connection.