LEGAL GLOSSARY

Terms of Use

Last Updated March 8, 2024

THESE TERMS OF USE ("TERMS") GOVERN YOUR ACCESS TO AND USE OF THE PAYSHIGA WEBSITE, MOBILE APPLICATION, AND ANY RELATED SERVICES (COLLECTIVELY REFERRED TO AS THE "SERVICE"). BY USING THE SERVICE, YOU AGREE TO COMPLY WITH AND BE BOUND BY THESE TERMS. PLEASE READ THEM CAREFULLY.

Acceptance of Terms

By accessing or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy and any additional terms and conditions that may apply to specific features or services within the Service.

Description of Service

Payshiga is a financial technology platform that enables users in Nigeria to make secure and convenient online transactions, including payments, fund transfers, and other related services. The Service is designed to provide a user-friendly experience while maintaining the highest standards of security and privacy.

Eligibility to use this Service

You must be capable of entering into a legally binding agreement. By accessing or using the Service, you represent and warrant that you meet these eligibility requirements.

User Accounts

Registration. To access certain features of the Service, you must create a user account. You agree to provide accurate, current, and complete information during the registration process and to keep your account information updated. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.
Account Security. You are responsible for ensuring the security of your account. You agree not to share your account credentials with any third party. If you suspect any unauthorized access or use of your account, you must notify Payshiga immediately.

Registration. To access certain features of the Service, you must create a user account. You agree to provide accurate, current, and complete information during the registration process and to keep your account information updated. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.
Account Security. You are responsible for ensuring the security of your account. You agree not to share your account credentials with any third party. If you suspect any unauthorized access or use of your account, you must notify Payshiga immediately.

User Conduct

Compliance with Laws. You agree to use the Service in compliance with all applicable laws, regulations, and third-party agreements.
Prohibited Activities. You must not use the Service for any unlawful, fraudulent, or malicious purposes. Prohibited activities include, but are not limited to, unauthorized access, data scraping, spamming, transmitting viruses, and engaging in any activity that disrupts or interferes with the Service or its users.
Content Guidelines. When using the Service, you agree not to post, transmit, or share any content that is false, misleading, defamatory, obscene, or violates the rights of others.

Compliance with Laws. You agree to use the Service in compliance with all applicable laws, regulations, and third-party agreements.
Prohibited Activities. You must not use the Service for any unlawful, fraudulent, or malicious purposes. Prohibited activities include, but are not limited to, unauthorized access, data scraping, spamming, transmitting viruses, and engaging in any activity that disrupts or interferes with the Service or its users.
Content Guidelines. When using the Service, you agree not to post, transmit, or share any content that is false, misleading, defamatory, obscene, or violates the rights of others.

Intellectual Property Rights

Ownership. Payshiga and its licensors retain all rights, title, and interest in and to the Service, including all intellectual property rights. You may not reproduce, modify, distribute, or create derivative works of the Service without prior written consent from Payshiga.
User Content. By posting or sharing any content through the Service, you grant Payshiga a non-exclusive, worldwide, royalty-free license to use, reproduce, modify, and distribute such content for the purpose of providing and promoting the Service.

Ownership. Payshiga and its licensors retain all rights, title, and interest in and to the Service, including all intellectual property rights. You may not reproduce, modify, distribute, or create derivative works of the Service without prior written consent from Payshiga.
User Content. By posting or sharing any content through the Service, you grant Payshiga a non-exclusive, worldwide, royalty-free license to use, reproduce, modify, and distribute such content for the purpose of providing and promoting the Service.

Privacy

Your privacy is important to us. Our Privacy Policy explains how we collect, use, and disclose your personal information. By using the Service, you consent to the collection, use, and disclosure of your information as described in our Privacy Policy.

Disclaimer of Warranties

Use at your own risk. You acknowledge and agree that the Service is provided on an "as is" and "as available" basis. Payshiga does not guarantee the accuracy, reliability, or availability of the Service and disclaims all warranties, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement.
Non-Financial Advice. Payshiga does not provide financial advice. Any information or content provided through the Service is for general informational purposes only. You should seek professional advice before making any financial decisions.

Use at your own risk. You acknowledge and agree that the Service is provided on an "as is" and "as available" basis. Payshiga does not guarantee the accuracy, reliability, or availability of the Service and disclaims all warranties, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement.
Non-Financial Advice. Payshiga does not provide financial advice. Any information or content provided through the Service is for general informational purposes only. You should seek professional advice before making any financial decisions.

Limitations of Liability

To the extent permitted by applicable law, Payshiga and its affiliates, officers, directors, employees, agents, and suppliers shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of the Service or these Terms.

Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of Nigeria. Any dispute arising out of or in connection with these Terms shall be resolved through good-faith negotiations. If a resolution cannot be reached, the dispute shall be submitted to the exclusive jurisdiction of the courts of Nigeria.

Modification of Terms

Payshiga reserves the right to modify or update these Terms at any time without prior notice. Any changes will be effective upon posting the updated Terms on the Service. Your continued use of the Service after the effective date of the revised Terms constitutes your acceptance of the modifications.

Thank you for using Payshiga! We strive to provide you with a secure and reliable financial technology platform for all your online transactions

If you have any questions feedback, inquiries, or complaints about these Terms or the Services, please send an email at legal@payshiga.com.