TOPSY – Terms & Conditions
Welcome to TOPSY (“we”, “our”, “us”). These Terms & Conditions (“Terms”) govern your access and use of the TOPSY mobile application, website, and all related services (collectively, “Services”).
By registering, accessing, or using TOPSY, you agree to these Terms. If you do not agree, you must stop using the platform immediately.
1. Definitions
“User” – Anyone who uses TOPSY (riders, customers, receivers).
“Driver/Partner” – Individuals offering transportation or delivery through TOPSY.
“Delivery” – Pickup and drop-off of parcels.
“Ride” – Passenger transportation.
“Platform” – TOPSY app, website, backend services.
“Guardian” – A parent or legal guardian who holds an eligible TOPSY account and who books, pays for, and remains responsible for a Guardian-Managed Booking.
“Guardian-Managed Booking” – A trip arranged under TOPSY Teens, in which a Guardian books transport for a minor passenger on the Guardian’s own account.
2. Eligibility
To use TOPSY, you must:
For Riders/Customers
Be at least 18 years old
Provide accurate registration information
Use a valid payment method
For Drivers
Be at least 21 years old
Hold an active Ghana driver’s license
Have a registered and roadworthy vehicle
Pass TOPSY’s verification and background checks
Comply with all Ghana Road Traffic Regulations
Minors Travelling as Passengers
TOPSY accounts may only be created and held by users aged 18 or over. Ghana has not enacted specific legislation governing the carriage of unaccompanied minors by commercial ride-hailing or delivery platforms; in the absence of such regulation, TOPSY applies the following policy.
A person under 18 (a minor) may travel as a passenger only where the trip is a Guardian-Managed Booking, booked and paid for on the account of a Guardian. The minor is never the account holder and is not required to hold a TOPSY account, provide payment, or otherwise contract with TOPSY directly.
By making a Guardian-Managed Booking, the Guardian confirms that:
they are the parent, legal guardian, or otherwise have lawful authority to arrange transport for the minor;
they have assessed that the minor is fit to travel as arranged, including whether the minor may travel unaccompanied by an adult;
the name, contact and any other information supplied about the minor is accurate; and
they remain reachable and responsible for the trip from booking to arrival.
TOPSY does not independently verify a minor’s age or identity, does not verify a claimed guardian relationship, and does not operate a separately vetted pool of drivers for Guardian-Managed Bookings. Every trip is carried by the same driver network, screened the same way, as any other TOPSY trip.
3. User Accounts
You must create an account using accurate personal information.
You are responsible for maintaining the confidentiality of your login details.
You are responsible for all activities done under your account.
Providing false or misleading information may lead to account termination.
4. Use of Services
By using TOPSY, you agree:
Not to engage in illegal, harmful, or fraudulent activities
Not to harass, threaten, or harm drivers, riders, or support staff
Not to interfere with the proper functioning of the app
Not to use the platform to transport illegal goods, weapons, drugs, or hazardous materials
To comply with Ghanaian laws while using the Services
5. Rides & Delivery Services
5.1 Rides
Drivers are independent contractors, not TOPSY employees.
TOPSY only provides a platform to connect riders and drivers.
Drivers have the right to accept or decline requests.
Riders must behave respectfully and responsibly during trips.
5.2 Deliveries
Users must ensure packages:
Do not contain illegal, fragile, explosive, or hazardous items
Are properly sealed
Are accurately described in the app before dispatch
TOPSY and drivers reserve the right to open suspicious packages or refuse transport.
6. Payments
All ride and delivery charges are displayed in the app before confirmation.
Payments must be made through accepted methods (Mobile Money, cards, in-app wallets).
Prices may vary based on traffic, demand, distance, or promotions.
TOPSY may charge additional service fees, cancellation fees, or waiting fees.
6.1 Refunds
Refunds are handled case-by-case based on investigations.
Completed rides or deliveries are not automatically refundable.
7. Cancellation Policy
Riders
You may cancel a ride or delivery request before a driver accepts it.
Cancellation fees may apply if:
A driver is already en route
You delay pickup beyond the waiting time
You repeatedly cancel or misuse the platform
Drivers
Drivers may cancel rides only for valid reasons such as:
Unsafe environment
Rider no-shows
Unavailability of parcel or incorrect details
Repeated cancellations may lead to suspension.
8. Driver Obligations
Drivers must:
Maintain a clean, roadworthy vehicle
Treat riders and customers with respect
Follow Ghana traffic laws
Not consume alcohol or drugs while driving
Ensure safety of passengers and parcels
Accept responsibility for any damage caused by negligence
9. User Conduct
Users must not:
Abuse, insult, or threaten drivers
Damage vehicles or parcels
Avoid or falsify payment
Attempt to cheat or manipulate the system
TOPSY may suspend or delete accounts without notice for violations.
10. Ratings & Feedback
TOPSY uses a rating system to maintain service quality.
Ratings must be honest and respectful.
TOPSY may remove abusive or defamatory feedback.
Drivers with consistently low ratings may be removed from the platform.
11. Promotions & Credits
Promotional offers may be changed or withdrawn anytime.
Credits or discounts cannot be exchanged for cash.
Misuse of promotional offers may lead to suspension.
12. Liability Disclaimer
12.1 Platform Role
TOPSY is not a transportation or delivery company.
We only connect riders/customers with independent drivers.
12.2 Limited Liability
TOPSY is not responsible for:
Delays, cancellations, or driver decisions
Damage to parcels caused by improper packaging
Lost items left in vehicles
Accidents or incidents caused by drivers
Misconduct or criminal behavior of users or third parties
Users agree to use TOPSY at their own risk.
12.3 Guardian-Managed Bookings
Where a trip is a Guardian-Managed Booking, TOPSY relies entirely on the information and representations supplied by the Guardian at the time of booking. TOPSY is not responsible for a Guardian’s decision to arrange unaccompanied travel for a minor, for the accuracy of information the Guardian provides about the minor, or for verifying the Guardian’s relationship to the minor. The Guardian remains responsible for the arrangement throughout, on the same basis set out in Sections 12.1 and 12.2 above.
13. Insurance
TOPSY does not provide personal accident, parcel, or vehicle insurance coverage.
Drivers must have valid insurance as required by Ghana law.
14. Privacy Policy
Use of TOPSY is also governed by our Privacy Policy, which explains how personal data is collected and used.
By using the platform, you agree to the Privacy Policy.
15. Account Suspension & Termination
TOPSY may suspend or terminate accounts if users:
Violate these Terms
Participate in fraud or criminal activity
Abuse drivers, staff, or other users
Provide false information
Misuse promotions or payment systems
Users may also request account deletion at any time.
16. Intellectual Property
All logos, designs, trademarks, and app content belong to TOPSY.
You may not copy, modify, distribute, reverse-engineer, or resell any part of the platform.
17. Governing Law
These Terms are governed by the laws of the Republic of Ghana.
Any disputes shall be resolved under Ghanaian jurisdiction.
18. Updates to Terms
We may update these Terms periodically.
Continued use of TOPSY after updates means you accept the revised Terms.
19. Contact Us
For support or legal questions:
TOPSY – Ghana
Email: legal@topsy.com.gh
Phone: +233 24 395 0387
Address: Topsy Legal Department, Oyarifa, Adenta, Accra
Driver terms
These Driver terms apply to every driver and courier ("Driver") who accepts trips or deliveries through the Topsy Driver app, in addition to the Terms above. Where they differ, the Driver terms govern the Driver relationship.
1. Eligibility and documents
You must be at least 21, hold a valid Ghanaian driving licence for the vehicle class you drive, and keep a valid national ID, vehicle registration, insurance and roadworthiness certificate on file in the app. Topsy reviews documents before activation and again when they are renewed or expire. An expired or rejected document takes you offline until it is replaced and approved. Providing false documents ends the relationship immediately.
2. Your status and going online
You choose when to go online. While online you receive trip offers based on your location, vehicle category and approvals (for example Intercity, Teens, Luxury or Send). You may decline offers; a very low acceptance rate or repeated cancellations after acceptance may reduce the offers you receive and, if persistent, lead to a review of your account.
3. Conducting trips
Drive the vehicle registered on your account, keep it clean and roadworthy, follow Ghanaian traffic law, and treat riders and receivers with respect. Start a ride only after the rider gives you the ride PIN in the vehicle, follow the booked route unless the rider agrees to a change, and end the trip at the drop-off. Do not ask for a fare outside the app, carry unbooked passengers, or hand the account to another person. Deliveries must be handed to the named receiver or confirmed as instructed in the app.
4. Fares, earnings and payouts
Fares are quoted by Topsy before a trip is booked and are itemised on the trip receipt. Cash fares are collected by you; cashless fares and tips are credited to your driver wallet after each trip. Topsy deducts the service fee shown on each receipt. Payouts go to the bank or mobile-money account you register; Topsy may hold a payout while a trip is under dispute or a document is missing. Tips belong to you in full.
5. Cancellations, waiting and no-shows
Riders may cancel while a trip is being dispatched without charge. After you have accepted and travelled toward the pickup, or waited at the pickup beyond the free waiting period, a cancellation or no-show fee may be charged to the rider and credited to you, as shown in the app. You should not cancel accepted trips except for safety or a rider's request; frequent driver cancellations are reviewed.
6. Safety
You must not drive while impaired, use a handset while driving other than through the app's hands-free prompts, or continue a trip you believe is unsafe. Use SOS for emergencies and report incidents in the app promptly. Topsy may contact you after a report and may pause your account while it investigates. Assistance animals must be carried.
7. Vehicle, insurance and liability
You are responsible for your vehicle, its insurance and its maintenance. Topsy is a technology platform connecting you with riders and does not employ you or insure your vehicle. Keep the insurance and roadworthiness certificate required by law current and on file; a lapse takes you offline.
8. Drive-to-Own and fleet vehicles
If you drive a Drive-to-Own or fleet vehicle, the separate agreement you accepted in the app (payment schedule, care of the vehicle, return conditions) applies alongside these terms. Missed payments are notified in the app with a grace period before any action on the vehicle.
9. Data and communication
Topsy processes your location while you are online and during trips, your documents, trip history, earnings and ratings, as described in the Privacy Policy. Rider and driver phone numbers are masked in in-app calls; you may not contact riders outside the app except to return a lost item through Support.
10. Pausing and ending the relationship
You may stop driving at any time and delete your account from Settings once your wallet is settled. Topsy may pause or end your access for breaches of these terms, safety reports, fraud, or documents that cannot be verified, and will tell you the reason and how to appeal through Support.
Driver questions: drive@topsy.com.gh. Legal: legal@topsy.com.gh.
Contact
Questions about these Terms: legal@topsy.com.gh. Help with your account or a trip: support@topsy.com.gh.