Effective Date: 31 August 2026
Last Updated: 31 August 2026
ELITE RMB is an online brand operated by Tanga Logistics, a business registered in Ghana.
By using the ELITE RMB website or requesting our services, you agree to these Terms of Service.
ELITE RMB is not licensed by the Bank of Ghana.
ELITE RMB does not represent itself as a Bank of Ghana-licensed bank, foreign exchange bureau, payment service provider, money transfer operator or other regulated financial institution.
Nothing on this website should be understood as a claim that ELITE RMB holds a licence or regulatory approval that it does not hold.
Where applicable, a transaction may involve a bank, payment provider or other third-party institution.
ELITE RMB provides online Ghana-China transaction-related services.
Depending on availability and the specific transaction, our services may include:
The availability of any service may depend on the transaction, payment method, recipient, third-party providers and applicable requirements.
Submitting a transaction request does not automatically mean that the transaction has been accepted. A transaction may require:
A transaction is considered accepted only after ELITE RMB confirms it.
Exchange rates are volatile and may change at any time depending on market conditions and other factors.
The rate confirmed to you at the time you create a transaction is the final rate applicable to that transaction, provided payment is completed within the payment window described in Section 6 (Transaction Expiry and Rate Protection) below.
A rate shown on our website before a transaction is created is indicative only and is not guaranteed until ELITE RMB confirms it for a specific transaction.
Because exchange rates are volatile, a transaction must be paid for within 24 hours of being created.
If payment is not received within this 24-hour window, the transaction will be automatically cancelled. This protects both the customer and ELITE RMB from losses caused by rate fluctuation between the time a transaction is created and the time it is paid for.
If a transaction is cancelled for non-payment, the customer may submit a new transaction request, which will be subject to the exchange rate applicable at that later time.
ELITE RMB does not charge service, processing or hidden fees to customers for our transaction arrangements.
Where a bank or payment provider applies its own charges to complete a transaction, that charge is set and collected by the relevant third party, not by ELITE RMB, and is outside our control.
Customers must follow payment instructions provided or confirmed through an official ELITE RMB communication channel.
Before sending money, always verify the payment details carefully.
A payment screenshot or receipt does not necessarily mean that payment has been received.
Processing may begin only after the payment has been successfully verified.
Customers are responsible for providing correct recipient information. This may include:
Customers should carefully check all information before confirming a transaction.
ELITE RMB is not responsible for losses caused by incorrect information supplied by the customer. This includes incorrect:
If you discover an error, contact us immediately. We may attempt to assist with recovery where possible, but recovery cannot be guaranteed.
Transaction processing times may vary because of:
Any estimated processing time is only an estimate and is not an absolute guarantee.
Transactions involving Alipay, WeChat Pay or Chinese banks may be subject to the rules, restrictions, technical requirements and processing procedures of those third parties.
ELITE RMB does not control the independent decisions or systems of third-party platforms and financial institutions.
We may request information or documents to verify a customer or transaction. This may include:
A transaction may be delayed, declined or cancelled if required verification is not completed satisfactorily.
ELITE RMB must not be used for:
We may refuse, suspend or cancel a transaction that appears suspicious, fraudulent or unlawful.
Where legally required, information may be provided to the appropriate authorities.
ELITE RMB may apply transaction limits depending on:
Additional verification may be required for certain transactions.
Customers may request cancellation before a transaction is completed.
A transaction is also automatically cancelled if it is not paid for within 24 hours of creation, as described in Section 6 (Transaction Expiry and Rate Protection).
Cancellation may not be possible after funds have already been converted, transferred or paid to a recipient or third party.
If you want to cancel a transaction, contact ELITE RMB as soon as possible.
Where a transaction cannot be completed, ELITE RMB may arrange a refund where appropriate and reasonably possible. Refunds may depend on:
If incorrect recipient information was provided by the customer, we may attempt to recover the funds, but recovery cannot be guaranteed.
ELITE RMB may refuse, suspend or restrict a transaction where:
Customers agree to:
Customers should be careful of people pretending to represent ELITE RMB.
Before sending funds, verify transaction instructions through:
Never share your password, OTP, PIN or other confidential security information with an unauthorised person.
ELITE RMB may rely on banks, payment providers, financial institutions, technology providers, communication providers and other third parties.
Third parties may have their own terms, requirements and processing times.
We cannot guarantee the availability or decisions of third-party services.
We aim to keep the ELITE RMB website available and reliable. However, temporary interruptions may occur because of:
The ELITE RMB name, logo, website design, text, graphics and other original content belong to or are lawfully used by Tanga Logistics or the relevant rights holder.
You may not copy, reproduce, modify or commercially use our content without permission, except where permitted by law.
Your use of ELITE RMB is also subject to our Privacy Policy.
The Privacy Policy explains how we collect, use, protect and share personal information.
To the extent permitted by law, ELITE RMB is not responsible for losses caused by:
Nothing in these Terms excludes or limits liability that cannot legally be excluded or limited.
ELITE RMB will not be responsible for delays or failures caused by circumstances beyond our reasonable control, including natural disasters, war, civil unrest, government action, regulatory restrictions, banking or payment-system failures, telecommunications failures, power outages, internet failures, strikes or other extraordinary events.
If you have a complaint about our service or a transaction, contact:
Where possible, provide:
We will review the complaint and make reasonable efforts to resolve legitimate concerns.
These Terms are governed by the laws of the Republic of Ghana, subject to applicable mandatory legal requirements.
Customers and ELITE RMB should first attempt to resolve disputes through direct communication and good-faith discussion.
If a dispute cannot be resolved, either party may pursue remedies available under applicable Ghanaian law.
ELITE RMB may update these Terms when our services, business operations, technology or legal requirements change.
The latest version will be published on elitermb.com.
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue to apply to the extent permitted by law.
Tanga Logistics – ELITE RMB
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