1. What is GOClub about?

GOClub Loyalty Scheme (GOClub) is a GOIL initiative, a life-long Loyalty Program to appreciate its cherished prepaying GOCard customers for their continuous patronage of its fuel and lubricants at GOIL Stations nationwide.

2.0 Joining GOClub / Forms of Membership

2.1 GOClub Member:  Register to be a member by completing GOCard & GOClub Registration Form (new GOCard users) or complete the GOClub Registration Form (existing GOCard users) or sign up online at http://registration.goil.com.gh. You must be 18 years and above at the time of joining the club. Membership is open to both private and commercial drivers (taxi and trotro drivers interested in the GOCard) or car owners. GOIL reserves the right of admittance as a club member at our sole discretion.

2.2 GOFamily: A GOCard User registers his family by completing the GOFamily registration form and nominates himself or another GOCard User as the family head who will be the main contact point for purposes of benefits or notifications concerning the loyalty program. A GOFamily must be minimum of two (2) GOCard users who must be related by blood, affinity or marriage. A GOFamily Member could also be part of a social group and contribute all LPs to the social group.  A GOFamily Member cannot use LPs accrued for club categorisation.

2.3 GOSocial Group:  A GOCard User who must be part of the leadership of a Social Group registers the Social Group and nominates or indicates the name and contact of at least one (1) executive of the group in addition to him or herself. In the case of a non-executive member registering the social group, he or she must nominate or indicate the names and contacts of at least two (2) executives of the group. A Social Group must have a minimum of 20 members who must all be GOCard Users. A Social Group could be a school union, old school association, circle of friends, clubs, fraternities or unincorporated religious groups. An individual could be part of a Social Group if at the time of joining the GOClub, the Social Group has been informed or by expressing interest to join the Social Group if at the time joining the Social Group has not yet been registered in which case the applicant shall be responsible for alerting the leadership of the Social Group of his interest to join the Social Group when registered.

2.4 GOSocial Group: Must be a company or an organization, be it incorporated or a sole proprietorship or an incorporated partnership, who has subscribed for prepaid GOCard. This includes corporate bodies, organisations, incorporated religious organisations and NGOs.

3.0 Earning Loyalty Points (LPs)

3.1 Individual GOClub Member: Use GOCard at any GOIL station nationwide to purchase fuels (petrol or diesel) or lubricants to earn LP on every purchase. You earn 1LP on each litre of fuel or lubricant purchased. You earn LPs to move or graduate to a higher level of membership. Start as GOClub Member with a 100 LPs on registration, buy more fuel and lubricants to build points and upgrade to other category levels.

3.2 GOFamily : The nominated Head of Family earns the sum of all accumulated points by its members. Family Members who join social groups get double LPs, 50% of which is contributed to a social group and remaining 50% to the nominated Head of Family.  

The nominated Head of Family must earn a total of 2,500LPs to qualify for life insurance benefit.

3.3 GOSocial Group: Members who join social groups get double LPs, 50% of which is contributed to a social group. Group must earn a total of 2,000,000LPs within a 12-month period to qualify for a Corporate Social Responsibility (CSR) project. The CSR project must be approved by GOIL to qualify for financial support.

The CSR project chosen by the Social Group must be within GOIL’s SDG 3, 4, and 6 (see website -https://goil.com.gh/about-us/csr/ for more details on Sustainable Development Goals - SDG).

3.4 GOCorporate: Members of the corporate group enjoy discount on every purchase and may opt for their LPs to be accumulated in a Social Group they belong to.

3.5 Knowing your LPs:

LPs accrued are shown on purchase receipt upon each transaction.

4.0 Benefits and Rewards:

4.1 For Individual Members benefit is dependent on your membership level so that the more fuel or lubricants you buy the more LPs you build which translates into more benefits when you move from one membership category to the other. See schedule for Benefits for details of benefits.

4.2 Registration benefits are one-off benefits and you would not be entitled to it upon subsequent registration after opting out.

4.3 Members earn benefits and or rewards on periodic basis.

4.4 Benefits and rewards may be reviewed periodically.

4.5 Groups do not earn any registration benefit.

4.6 For purposes of insurance benefits, you are required to nominate a beneficiary by filling the beneficiary details. Where the nominated beneficiary is less than 18 years, you would nominate a trustee (see additional terms and conditions on insurance benefits).

5.0 LPs irredeemable for rewards:

LPs cannot be redeemed for rewards.

6.0 Opting Out / Termination:

6.1 You are at liberty to opt out of the GOClub at any time without any liability to us. If you choose to do so, kindly contact us so we remove your details as GOClub member. Remember that your GOCard will still be active when you leave the GOClub.

6.2 If you choose to opt out of the family or social group but remain as a GOClub member, kindly notify us so we remove your details from the family or social group.

6.3 If a family or social group falls below the required minimum membership due to exiting of member(s) the group will be notified to correct the flaw within a specified time, failing which the family or social group shall be disqualified.

6.4 We reserve the right to terminate your membership under any of the following:

6.4.1 Where you are engaged in fraud in relation to the GOCard;

6.4.2 Abuse of the LPs;

6.4.3 Theft in relation to GOCard;

6.4.4 Supply of misleading or false information to GOIL;

6.4.5 Breach of any of the terms and conditions hereof;

6.4.6 Death of member

7.0 Use of personal information and data processing:

7.1 We are committed to protecting your privacy in accordance with applicable data protection and privacy laws. We will maintain the privacy and security of all personal information collected including but not limited to name, email, telephone number, date of birth and address. By subscribing to the GOClub you consent to the collection and use of personal information. You agree that as part of the program we may:

7.1.1 Provide you with certain communication such as administrative or promotional messages and marketing material from GOIL;

7.1.2 Process and use your personal data for marketing and statistical purposes and share same with third party service providers who would require such information for purposes of the program;

7.1.3 Contact you for survey purposes, advertising campaigns, launches, product testing, feedback, benefit or reward validation or verification.
7.2 In some cases, for promotional and advertisement purposes we may take photographs of rewards in short ceremonies and publicly share them. If so, we will seek your prior consent before doing so. In cases of family or social group, their participation in the reward is deemed as a waiver of such consent.

 7.3 You are at liberty to update your privacy preferences by contacting our customer services.

8.0 Intellectual Property Rights:

All intellectual property rights of the GOCard and the GOClub Loyalty Scheme is the reserve of GOIL and your participation in the program or use of the GOCard does not warrant your use of such rights without the express consent of GOIL.

9.0 Miscellaneous:

9.1 Your GOCard is personal to you and not transferrable.

9.2 LP cannot be exchanged for cash or sold.

9.3 We are not responsible for any lost, stolen or damaged cards.

9.4 These terms and conditions may be amended at any time in our sole discretion and you would be notified of any such amendment or updated version on our website or through any of our medium of communication. Your continued participation as a member from the date of amendment shall constitute acceptance of such changes.

9.5 We may discontinue the GOClub in our sole discretion without any liability whatsoever or howsoever caused to you. If so, we will notify you through any of our medium of communication.

10.0 Application of Terms and Conditions:

10.1 In so far as you remain a GOClub member you are bound by the terms and conditions and your continued participation will be deemed acceptance of any revisions thereof.

10.2 The schedule or reference terms forms part of these terms and conditions.

11.0 Governing law:

These terms and conditions and any dispute or claim arising out of or in connection with it or its subject matter or formation shall be governed by and construed in accordance with the law of the Republic of Ghana.

12.0 Definitions
In these terms and conditions, a reference to:

12.1 “you”, “your”, “member”, “applicant” “user” is reference to a person who joins the GOClub;

12.2 “GOIL”, “our” is a reference to GOIL Company Limited.

Additional Terms and Conditions for Insurance Benefit

Benefit covers the following:

• Accidental death cover for GOClub members (All members for first 3 months)
• Accidental death cover (Based on your individual categorisation level)
• Total and permanent disability cover (Based on your individual categorisation level)
• Hospitalisation cover (Based on your individual categorisation level)

*Only the nominated head of family shall be entitled to insurance benefits

1. Definitions:

1.1 Beneficiary  – The stated person who will receive the death benefit, typically your family member. If the stated beneficiary is a minor, benefits will be paid to the stated trustee.

1.2 Death/Disability/Hospitalisation benefit – The guaranteed amount the beneficiary will receive as benefit if the insured event occurs.

2. What is three months free accidental death cover?

Free life insurance covers for the GOClub member for the risk of death through an accident for 3 months (90 days) starting from when you become a member

3. What is total and permanent disability cover?

A condition caused by an accident that prevents you from working in any occupation for three (3) months and you become incapacitated to such extent that you are unlikely to ever be able to work in any occupation for which you are reasonably suited by training, education or experience.

4. Hospitalisation cover

When the member following an accident is admitted to a hospital for treatment beyond three (3) nights up to maximum of twenty (20) nights.

5. Start Date

Insurance cover starts when your completed application to be a GOClub member has been accepted by GOIL.

6. Waiting Period

There is no waiting period for insurance benefit.

7. Opting out / Termination

Insurance cover ceases when you opt out of or terminated from the GOClub.

8. Reinstatement

Your benefits are reinstated at any time you reactivate your GOClub membership.

9. Claiming your benefits

9.1 In the event that the member passes on
The death benefit will be paid to the named beneficiary. If the beneficiary is a minor  (less than 18 years), the benefit will be paid to the stated trustee on the policy.

The following documents are required to claim your benefits:

9.1.1 A valid national ID of claimant

9.1.2 A valid national ID of deceased

9.1.3 A police report of the accident

Plus any of these documents to proof death

9.1.4 Death certificate

9.1.4.1 Medical certificate indicating cause of death (if deceased died in a hospital)

9.1.4.2 Mortuary receipt with contact details (if deceased was taken to a mortuary)

9.1.4.3 A letter from a recognized authority or institution

9.2 Total and Permanent Disability
In the event that you become totally and permanently disabled as a result of an accident, the benefit will be paid to the member directly.

The following documents are required to claim your benefits:

9.2.1 A valid national ID.

9.2.2 Proof of disability certified by a qualified medical practitioner.

9.3 Hospitalisation
In the event that the member following an accident is hospitalised for more than three nights, hospitalisation benefit will be paid to the member directly.

The following documents are required to claim your benefits:

9.3.1 A valid national ID

9.3.1 Admission or discharge note, hospital invoice or a letter from the hospital