Whistleblowing

Last updated: 2026-10-05 · Governed by the laws of the Republic of Ghana

See something, say something. If you come across wrongdoing involving LTX MoMo Insurance, report it. You can stay anonymous, and you will be protected.

1. What is whistleblowing?

Whistleblowing is reporting misconduct or wrongdoing through a proper, protected channel. It lets you raise a concern without fear, so it can be looked into and stopped.

2. Who can report?

Anyone who deals with us: employees, MoMo agents, customers, partners, suppliers and members of the public. You do not need proof, only an honest concern.

3. What can you report?

• Fraud or theft, including fake or inflated claims and misuse of customer MoMo wallets.
• Bribery, kickbacks or other corruption.
• Misuse of customer data, including Ghana Card details and verification photos.
• Mis-selling, or pressuring customers to buy cover they do not need.
• Bullying, sexual harassment, discrimination or nepotism.
• Breaches of our policies, the law or insurance regulations.

Service problems, such as a delayed claim, belong in a complaint instead.

4. Why reporting matters

Your report protects customers' money, keeps the workplace fair, and stops small problems from becoming legal or reputational harm. Many serious frauds are uncovered because one person spoke up.

5. Your protection and support

• Anonymous if you want. You never have to give your name. Our online form does not record your IP address or device.
• Confidential. Reports are handled by a small compliance team and stored encrypted.
• No retaliation. Anyone who punishes a person for reporting in good faith faces disciplinary action.

6. How to make a report

Choose whichever channel you are most comfortable with.

To help us act, include what happened, when and where, who was involved, and how you know. Quote your reference if you contact us again about the same matter.

Report online