achieve by Petra Referral Challenge
“Win Big. Fly to Zanzibar”
Terms and Conditions
Campaign Period: 1 November 2026 – 31 January 2027
Campaign Organiser: SPRY Limited
- Introduction
These Terms and Conditions (“Terms”) govern the achieve by Petra Referral Challenge, themed “Win Big. Fly to ” (“Campaign”), organised by SPRY Limited (“Company”).
The Campaign encourages eligible users of the achieve by Petra app (“App”) to invite friends and family to join the App through their unique referral links or usernames. Participants can earn referral rewards, compete for monthly prizes and qualify for the grand prize, subject to these Terms.
By participating in the Campaign, participants agree to be bound by these Terms and any applicable terms and policies of the App.
The Campaign runs from 1 November 2026 to 31 January 2027, inclusive. The grand prize winner is expected to be announced during the first week of February 2027, following verification of the results.
- Eligibility
To participate as a referrer, an individual must:
- Be an existing registered user of the achieve by Petra app.
- Be at least 18 years old.
- Have completed at least one top-up on the App.
- Have an active account in good standing and comply with the App’s applicable terms and conditions.
- Use their assigned referral link or username to invite new users to the App.
Employees of Petra Holdings, campaign influencers, creators engaged to promote the Campaign, and any other individuals expressly designated as ineligible by the Company are not eligible to win Campaign prizes.
The Company reserves the right to verify a participant’s eligibility at any stage of the Campaign.
- How the Campaign Works
- Eligible participants may join the Campaign by sharing their unique referral links or usernames with friends and family.
- New users must sign up to the achieve by Petra app using the referrer’s link or enter the referrer’s username during registration, as applicable.
- Each referral must meet all the requirements for a valid referral set out in Section 4.
- Participants earn referral points for valid referrals. These points are separate from the prizes awarded under this Campaign.
- Eligible participants may continue to earn cash rewards through the existing Refer & Earn feature, subject to that feature’s applicable terms. Campaign prizes are additional rewards and do not replace or cancel eligible Refer & Earn cash rewards.
- The Company will track qualifying referrals and use the verified results to determine leaderboard positions, monthly winners and the grand prize winner.
- The Campaign comprises three monthly rounds:
- Round 1: 1–30 November 2026.
- Round 2: 1–31 December 2026.
- Round 3: 1–31 January 2027.
- Valid Referrals
A referral will qualify as a “Valid Referral” only when all the following conditions are met:
- The referred individual is a new user who successfully registers for the achieve by Petra app through the referrer’s unique referral link or by correctly entering the referrer’s username.
- The referred individual successfully completes the required Ghana Card identity verification.
- The referred individual makes their first top-up of at least GHS 20 within the same monthly Campaign round in which they registered.
- The registration, identity verification and top-up are successfully recorded and verified by the Company’s systems.
- The referral is genuine, is made by a distinct individual and is not associated with fraudulent, duplicate or otherwise prohibited activity.
A referral that does not meet all these requirements will not count towards the Campaign leaderboard, monthly prizes or grand prize threshold.
The Company may exclude referrals that are reversed, fraudulent, duplicated, incorrectly attributed or otherwise found not to satisfy these Terms.
Participants are responsible for ensuring that their referral links or usernames are correctly shared and attributed. The Company will use its verified referral records to determine qualifying referrals.
- Referral Points and Leaderboard
- Each Valid Referral earns the applicable referral points under the Campaign’s referral-tracking system.
- The Company will maintain a leaderboard based on the number of verified Valid Referrals attributed to each participant.
- Weekly leaderboard updates are expected to be published on Mondays through the Company’s social media channels, beginning 9 November 2026.
- The Company may display masked usernames, such as “Kw***23”, to identify leading participants while limiting the public display of personal information.
- An in-app leaderboard and related notifications may be introduced during the Campaign, subject to product availability and release timelines.
- Leaderboard positions are provisional until the relevant referrals have been verified. A participant’s position may change if referrals are excluded following verification or fraud checks.
- In the event of a tie, the Company will apply a fair tie-breaking method based on verified referral records. The method will be communicated to affected participants where necessary.
- Monthly Rounds and Prizes
- The Campaign will have three monthly rounds corresponding to November 2026, December 2026 and January 2027.
- Participants will compete for monthly prizes based on the number of Valid Referrals recorded during each monthly round.
- Monthly prizes may include an air fryer, smartwatch, headset, blender, power bank or shopping voucher.
- Winners will be selected from the highest-ranked eligible participants for each monthly round, following verification of their referrals.
- A participant may win a monthly prize only once within the same monthly round. Winning a prize in one round does not automatically disqualify that participant from winning in a subsequent round.
- Valid Referrals recorded during the monthly rounds will continue to count towards the grand prize, even if the participant has already won a monthly prize.
- Monthly winners are expected to be announced on the Company’s official social media channels and, where applicable, through the App.
- Monthly winner announcements are subject to completion of the verification process. The Company may adjust announcement dates where additional checks are required.
- The Company will communicate prize collection or delivery arrangements to confirmed winners.
- Grand Prize: Trip to Zanzibar
7.1 Eligibility Threshold
To qualify for the grand prize, a participant must record at least 1,500 Valid Referrals cumulatively across the three monthly rounds, from 1 November 2026 to 31 January 2027.
Only Valid Referrals that meet Section 4 and are verified by the Company will count towards this threshold.
7.2 Winner Selection
- If one or more participants achieve at least 1,500 Valid Referrals during the Campaign, the participant with the highest verified cumulative number of Valid Referrals among those who meet the threshold will be selected as the grand prize winner.
- The grand prize winner will be determined after the Campaign closes and the Company completes its verification and fraud checks.
- The winner is expected to be announced during the first week of February 2027.
- Campaign influencers, creators engaged to promote the Campaign and other individuals designated as ineligible under Section 2 cannot win the grand prize.
- All grand prize decisions will be based on the Company’s verified referral records and the eligibility requirements in these Terms.
7.3 Grand Prize Package
The grand prize is a trip to Zanzibar for one person for three nights, expected to include:
- Return flights.
- Hotel accommodation for three nights.
- Compulsory Zanzibar travel insurance.
- Airport transfers.
The specific travel dates, airline, accommodation, booking arrangements and other applicable travel conditions will be communicated to the winner by the Company.
The trip must be arranged and taken within six months of the winner announcement, subject to booking availability and the travel arrangements confirmed by the Company.
7.4 Travel Requirements and Conditions
- The grand prize winner must hold a valid passport with at least six (6) months of validity at the time of travel and must provide proof of a valid passport within the timeframe communicated by the Company.
- If the selected grand prize winner does not have a valid passport or fails to provide proof of one within the timeframe stipulated by the Company, the winner will automatically forfeit the grand prize. The prize will then be awarded to the first runner-up, being the next highest-ranked eligible participant with the required number of Valid Referrals, subject to verification and fulfilment of the applicable travel requirements.
- The first runner-up will be given the opportunity to accept the prize and meet the passport and other travel documentation requirements within the timeframe communicated by the Company. If the first runner-up is also unable to meet these requirements, the Company may proceed to the next eligible participant in the final rankings.
- The winner must provide a valid yellow fever vaccination certificate and any other documentation required for travel.
- The winner must cooperate with the Company and its appointed travel agent to complete the booking and insurance arrangements.
- The winner is responsible for providing accurate travel information and meeting applicable immigration, health, documentation and entry requirements.
- The trip is intended for the named winner and is non-transferable. No cash alternative is available for the Zanzibar trip, except where the fallback prize in Section 7.5 applies.
- Any expenses, upgrades, additional nights, personal purchases or other items not expressly included in the confirmed prize package will be the winner’s responsibility unless the Company agrees otherwise in writing.
- If the winner is unable to travel or fails to satisfy the applicable requirements, the Company may withdraw the prize and select an alternative eligible winner or apply another fair arrangement consistent with these Terms.
7.5 Alternative Grand Prize
If no participant records at least 1,500 Valid Referrals by the end of the Campaign, the participant with the highest verified cumulative number of Valid Referrals across the three monthly rounds will receive a GHS 5,000 voucher as the alternative grand prize.
The alternative prize is subject to eligibility verification and the disqualification provisions in these Terms.
The Company will announce the alternative grand prize winner during the first week of February 2027, following verification of the results.
- Disqualification and Fraud Prevention
The Company may disqualify a participant, exclude referrals or withhold a prize where it reasonably determines that the participant has:
- Created or used multiple accounts to manipulate referral counts or obtain an unfair advantage.
- Referred the same individual more than once or attempted to claim multiple referrals for a single person.
- Submitted false, misleading, incomplete or fraudulent information.
- Attempted to manipulate the referral-tracking system, leaderboard or Campaign results.
- Used automated accounts, bots or other unauthorised methods to generate referrals.
- Engaged in collusion, impersonation or any other conduct intended to undermine the fairness or integrity of the Campaign.
- Violated the App’s terms and conditions or applicable laws and regulations.
- Engaged in conduct that the Company reasonably determines to be abusive, fraudulent or materially inconsistent with the purpose of the Campaign.
The Company may investigate suspicious activity and request reasonable information from participants to verify their eligibility or referrals.
Where a participant is disqualified, their affected referrals will not count towards Campaign rankings or prizes. If a prize has already been awarded, the Company reserves the right to take appropriate action, subject to applicable law.
- Winner Verification and Prize Fulfilment
- All potential winners are subject to verification of their identity, eligibility and referral records.
- The Company may require winners to provide reasonable supporting information to confirm their identity and arrange prize delivery or travel.
- Winners must respond to prize-related communications within the period specified by the Company.
- If a winner cannot be contacted, fails to provide the required information within the stated period, is found ineligible or declines the prize, the Company may select an alternative eligible winner or make another appropriate arrangement consistent with these Terms.
- Monthly prizes and the grand prize will be awarded only after the applicable verification process has been completed.
- The Company will communicate the applicable collection, delivery or booking arrangements directly to confirmed winners.
- Publicity and Use of Winner Information
The Company may announce winners through the achieve by Petra app and its official communication and social media channels.
Public leaderboard posts will use masked usernames where practicable. Any use of a winner’s name, image, interview, video or other identifiable content for promotional purposes will be subject to applicable privacy and data protection requirements and any consent required by law.
Participation in the Campaign does not, by itself, grant the Company unlimited rights to use a participant’s image, personal information or content for unrelated promotional activities.
- Privacy and Data Protection
- Personal data collected in connection with the Campaign will be processed in accordance with Petra Securities Limited’s applicable Privacy Policy and relevant data protection laws of Ghana.
- The Company may use relevant account, registration, identity-verification and referral data to administer the Campaign, verify Valid Referrals, prevent fraud, determine winners and fulfil prizes.
- Personal information may be shared with authorised service providers, including appointed travel agents, where reasonably necessary to administer or fulfil the grand prize and subject to applicable privacy requirements.
- Participants’ personal information will be handled in accordance with the Company’s applicable data protection obligations.
- Participants may contact the Company through the contact details provided in Section 15 for questions relating to the processing of their personal data.
- Changes, Suspension and Cancellation
SPRY Limited reserves the right to amend, suspend or cancel the Campaign where reasonably necessary, including in response to fraud, technical failures, legal or regulatory requirements, or circumstances beyond its reasonable control.
Where a change materially affects participants’ eligibility, the referral qualification rules, prize structure or winner selection, the Company will communicate the change through appropriate official channels and comply with applicable law.
The Company will not use this provision to unfairly deprive a participant of a prize already validly earned and confirmed, except where permitted by applicable law or where the award resulted from fraud, error or ineligibility.
- Limitation of Liability
- SPRY Limited will take reasonable steps to administer the Campaign fairly and accurately.
- The Company is not responsible for referral failures caused by incorrect referral information supplied by participants, connectivity issues, device problems or other circumstances outside its reasonable control.
- Nothing in these Terms excludes or limits any liability that cannot lawfully be excluded or limited under applicable Ghanaian law.
- Subject to the foregoing, the Company will not be liable for indirect losses arising from participation in the Campaign to the extent permitted by law.
- General Conditions
- Participants must comply with applicable laws and regulations and the relevant terms and policies of any social media platform used in connection with the Campaign.
- The Campaign is organised by Petra Securities Limited and is subject to the laws of Ghana.
- If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will continue in effect to the extent permitted by law.
- A failure by the Company to enforce any provision of these Terms does not constitute a waiver of that provision.
- These Terms constitute the agreement between the Company and participants concerning the Campaign and supersede previous communications relating to the Campaign, subject to any applicable legal requirements.
- The Company may issue additional operational guidance consistent with these Terms to support the fair administration of the Campaign.
- Governing Law and Disputes
These Terms and Conditions are governed by the laws of Ghana.
Any dispute arising out of or in connection with the Campaign will be handled in accordance with applicable Ghanaian law and submitted to the competent courts of Ghana, where necessary.
- Contact Information
For enquiries or questions concerning the Campaign, participants may contact SPRY Limited at:
Email: [email protected]
Campaign: achieve by Petra Referral Challenge – “Win Big. Fly to Zanzibar”
