Terms and conditions
Terms and conditions
This Website is owned and operated by the CI Cryptosolutions LTD, Registered in Lagos, Nigeria and duly incorporated by the corporate affairs commission of Nigeria in 2019.
This naijapay.io Terms of Service Agreement ("Terms") applies to your use of naijapay.io’ services, software, and websites, including the websites located at naijapay.io, and any other website owned or controlled by naijapay.io(collectively, the "Service").
naijapay.io reserves the right to change, modify, add, or remove portions of these Terms at any time. naijapay.io will alert you of any changes by indicating at the top of these Terms the date they were last revised. It is your responsibility to check these Terms periodically for changes. Your use of the Service following the posting of revised Terms means you accept and agree to the changes.
IF YOU DO NOT AGREE TO THESE TERMS, DO NOT USE THE SERVICE.
I. The Service
(a) Requirements for Use of the Service. In order to use the Service, you must be at least 18 years old and have legal capacity to enter binding contracts.
(b) Membership Account Registration. Certain features or services offered on or through the Service may require you to open a membership account. In order to open an account, you must provide naijapay.io with certain information ("Registration Data") requested on the registration form; inquiries marked "required" must be answered, and any other request for information may be left blank. You agree that the Registration Data you provide: (1) is true, accurate, current, and complete, and (2) will be maintained and updated by you to keep it true, accurate, current and complete. naijapay.io reserves the right to suspend or terminate your use of the Service and refuse to provide you with any and all current or future use of the Service if naijapay.io, in its sole discretion, determines that any of your Registration Data is untrue, inaccurate, not current, or incomplete.
(c) Account Security. During the registration process you will provide an email address, which will function as your user name, and select a password, both of which you may be able to modify later subject to certain system and technical restrictions. You are responsible for maintaining the confidentiality of your user name and password and are fully responsible for all activity that occurs under your user name and password whether or not authorized by you. You will immediately notify naijapay.io of any unauthorized use of your user name and password or any other breach of security. naijapay.io cannot, and will not, be liable for any loss or damage arising from your failure to comply with this requirement.
(d) Fees. All fees and charges paid by you in relation to the Service are non-refundable, except as required by law or as otherwise stated herein.
(e) Account Disputes and Unacceptability of Chargebacks. If you have a question about charges made to your account, please contact naijapay.io immediately. You may request that naijapay.io refund charges to your charge, payment account. naijapay.io will review such request and respond within 5 business days. However, you acknowledge and agree that chargebacks requested through your issuing bank are an unacceptable charge dispute resolution method. If you dispute the payment charge that naijapay.io charges for its services, naijapay.io reserves the right to suspend your account as soon as naijapay.io is informed of it. You agree to immediately pay to naijapay.io any chargebacks of amounts originally charged to your charge, payment account, as well as for fees incurred by naijapay.io for such chargebacks.
(f) Termination or Modification of Service. naijapay.io reserves the right, without liability to you or any other third party, to modify or discontinue, temporarily or permanently, in whole or in part, the Service without notice. For example, naijapay.io may change at any time the types of memberships available and the specific terms applicable to each membership. If your existing membership type is no longer available at the end of your current term and you have not cancelled your membership, naijapay.io may, in its reasonable discretion, cause a Subsequent Term to proceed under the terms of your current membership type or under the terms of another available membership type that is reasonably comparable to your current membership. You agree that naijapay.io shall not be liable to you or any third party for any modification or termination of the Service.
(g) Access to the Service. naijapay.io reserves the right to change the requirements for accessing the Service at any time and for any reason in its sole discretion, including changes to membership fees or other fees. naijapay.io reserves the right to alter, suspend, or discontinue the Service, or any portion thereof, at any time and for any reason, without prior notice to you. The Service may also become unavailable due to maintenance or malfunction of computer equipment or other reasons. naijapay.io may at any time terminate your membership or block your access to the Service if: (1) You have breached any provision of these Terms (or have acted in a manner that indicates you do not intend to, or are unable to, comply with these Terms); (2) naijapay.io is required to do so by applicable law; (3) If you sell goods or services that may be illegal for minors to purchase under any applicable laws or regulations; (4) the provision of the Service to you by naijapay.io is, in naijapay.io’ discretion, no longer commercially viable; or (5) naijapay.io has elected to discontinue the Service, or any portion thereof, for any reason. naijapay.io shall not be liable to you or any third party for any termination or cancellation of your access to, or use of, the Service.
Adult websites with legal adult content and Online Gambling are allowed.
(h) Prohibited Activities. No warez / hacking / phishing / drugs / child pornography or other illegal activities.
II. Other Terms and Conditions
Additional terms and conditions may apply to specific components or features of the Service, all of which terms are incorporated in these Terms by reference. You must read, accept, and agree to be bound by any such additional terms and conditions in order to use those particular components or features.
If there is a conflict between these Terms and the terms and conditions applicable to a specific component or feature of the Service, the latter terms and conditions shall control with respect to your use of that component or feature of the Service.
III. Your Responsibilities and Acknowledgements
(a) Permitted Use. You agree to use the Service only for purposes permitted by these Terms and any applicable law or regulation.
(b) Compliance With Laws, Regulations and Requirements. You will not use the Service for illegal purposes but will abide by and comply with all applicable local, state, national, and international laws and regulations in your use of the Service.
(c) Non-Interference. You will not interfere with or disrupt (1) the use and enjoyment of the Service by other users; or (2) the Service or servers or networks connected to the Service (including, without limitation, any attempt to gain unauthorized access to other computer systems or networks connected to the Service).
(d) Excessive Use. You acknowledge that excessive use of network bandwidth associated with the Service risks degrading the quality of the naijapay.io Service for other users or imposing undue costs on naijapay.io. naijapay.io may terminate or place reasonable restrictions on your use of the Service if it determines, in its sole discretion, that your use of the Service is excessive.
(e) No Unauthorized Automated Access. You may not use any "deep-link", "page-scrape", "robot", "spider" or other automatic device, program, algorithm or methodology, or any similar or equivalent manual process, to access, acquire, copy or monitor any portion of the Service, or in any way reproduce or circumvent the navigational structure or presentation of the Service, to obtain or attempt to obtain any materials, documents or information through any means not purposely made available through the Service, such as the naijapay.io API, which may be subject to additional terms and conditions.
(f) Resale of the Service. You will not resell, rent, trade, or copy the Service, the use of or access to the Service, or any portion thereof, except as otherwise agreed in writing between you and naijapay.io. If you are interested in reselling the Service, please contact naijapay.io for more information.
(g) Information and Access Not Guaranteed. You acknowledge that the Service, and any information available through the Service, may not always be available or accurate, and that the Service may not always satisfy your anticipated or required level of performance. Further, you understand and acknowledge that despite the exercise of commercially reasonable efforts on the part of naijapay.io, some of the information available through the Service may be inaccurate, incomplete, or become unavailable.
IV. naijapay.io’ Proprietary Rights
You acknowledge and agree that the Service contains and discloses proprietary and confidential information that is protected by applicable intellectual property and other laws. You further acknowledge and agree that content or information available through the Service may be protected by copyrights, trademarks, service marks, patents, or other proprietary rights and laws. Trademark and service marks are the property of their respective owners.
Except as expressly authorized by naijapay.io, you agree not to copy, modify, rent, lease, loan, sell, distribute or create derivative works based on the Service, in whole or in part. No portion of the Service may be reproduced in any form or by any means, except as expressly permitted in these Terms.
naijapay.io grants you a personal, non-transferable and non-exclusive right and license to use the Service; provided that you do not (and do not allow any third party to) copy, modify, create a derivative work of, reverse engineer, reverse assemble or otherwise attempt to discover any source code, sell, assign, sublicense, grant a security interest in or otherwise transfer any right in the Service. You agree not to modify the Service in any manner or form, or to use modified versions of the Service, including (without limitation) for the purpose of obtaining unauthorized access to the Service. You agree not to access the Service by any means other than through the interface that is provided by naijapay.io for use in accessing the Service.
V. Third-Party Links and Materials
naijapay.io is not responsible for, and does not endorse or guarantee the availability of, third-party websites or other resources, which may be accessed in connection with or by using the Service. Because naijapay.io may have no control over such third-party websites or resources, you acknowledge and agree that naijapay.io will not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with your use of or reliance on any such content, advertising, goods or services, or other materials on or available from such third-party websites or resources.
(a) naijapay.io may terminate or suspend your account and/or access to the Service at any time, immediately and without notice, in the event you breach any obligation hereunder, fail to respond within 10 days to an inquiry from naijapay.io concerning the accuracy or completeness of your Registration Data, if naijapay.io determines in its sole discretion that you have violated these Terms, or for any other reason, without cause and without liability.
(b) By You. You may terminate your membership and/or stop using the Service at any time. You may terminate using account settings on the naijapay.io website.
(c) Effect of Termination. You will not receive any refund for payments already made by you as of the date of termination. If termination is due to your breach of these Terms, you will bear all costs of such termination, including any reasonable costs naijapay.io incurs in closing your account. You will pay any and all costs incurred by naijapay.io in enforcing your compliance with these Terms. Upon termination, you shall destroy any copy of the materials licensed to you hereunder and referenced herein. Notwithstanding termination of these Terms by you or by naijapay.io, the provisions in these Terms shall remain in full force and effect. Upon termination, you will no longer have access to any data or information you had previously created, maintained, managed, or stored in or through the Service and naijapay.io is under no obligation to maintain, provide access to, or preserve any such data or information. naijapay.io may, in its discretion, destroy or retain your account and all associated data and information.
You will release, indemnify, defend and hold harmless naijapay.io, and any of its parents, affiliates, officers, directors, employees, agents, partners, licensors, and assigns from all liabilities, claims, damages, costs and expenses, including reasonable attorneys' fees and expenses, of third parties relating to or arising out of: (1) these Terms or the breach of your warranties, representations and obligations under these Terms; (2) the Service, your use of the Service, or any use of your account, whether or not such use was authorized by you; (3) any intellectual property or other proprietary right of any person or entity; (4) your violation of any of the provisions of these Terms; (5) any action taken by naijapay.io as part of its investigation of a suspected violation of this Terms or as a result of naijapay.io’ determination that a violation of this Terms has occurred; (6) any information or data you supplied to naijapay.io, including, without limitation, any incorrect information in your Registration Data; or (7) your violation of any rights of a third party.
When naijapay.io is threatened with suit or sued by a third party, naijapay.io may seek written assurances from you concerning your promise to indemnify naijapay.io; your failure to provide those assurances may be considered by naijapay.io to be a material breach of these Terms. naijapay.io will have the right to participate in any defense by you of a third-party claim related to your use of any of the Service, with counsel of naijapay.io’ choice at its expense. naijapay.io will reasonably cooperate in any defense by you of a third-party claim at your request and expense. You will have sole responsibility to defend naijapay.io against any claim, but you must receive naijapay.io’ prior written consent regarding any related settlement.
You acknowledge that you are responsible for all use of the Service using your Account, and that these Terms apply to any and all usage of your Account.
IX. DISCLAIMER OF WARRANTIES
YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK. THE SERVICE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. naijapay.io EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT WITH RESPECT TO THE SERVICE, ANY RESULTS OBTAINED THROUGH THE SERVICE, AND ANY GOODS OR SERVICE OBTAINED ON OR THROUGH THE SERVICE.
ALL CRYPTOCOIN TRANSACTIONS ARE IRREVERSIBLE. PLEASE CHECK THAT YOU HAVE COPIED THE DESTINATION CRYPTOCOIN ADDRESS AND ARE SENDING THE EXACT AMOUNT OF CRYPTOCOINS BEFORE ENTERING AND SENDING THEM TO THE PAYMENT BOX/CAPTCHA. IF YOU SEND THE WRONG CRYPTOCOIN AMOUNT YOU WILL NEED TO SEND THE CORRECT VALUE (IN ONE PAYMENT!) TO THE PAYMENT BOX/CAPTCHA AGAIN. WE ARE NOT RESPONSIBLE FOR YOU LOSING CRYPTOCOINS BY SENDING THE INCORRECT VALUES/AMOUNTS. WE ARE NOT RESPONSIBLE FOR ANY OTHER LOST CRYPTOCOINS.
WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, naijapay.io MAKES NO WARRANTY: (1) THAT THE SERVICE WILL MEET YOUR REQUIREMENTS, BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (2) AS TO THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE OR AS TO THE ACCURACY OR RELIABILITY OF ANY INFORMATION OBTAINED THROUGH THE SERVICE OR THAT DEFECTS IN THE SERVICE OR INFORMATION OBTAINED THROUGH THE SERVICE WILL BE CORRECTED; OR (3) REGARDING ANY MATERIAL AND/OR DATA DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF OR FROM THE SERVICE (DOWNLOADING OR ACCESS IS DONE AT YOUR OWN DISCRETION AND RISK AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF SUCH MATERIAL AND/OR DATA).
naijapay.io DOES NOT REPRESENT OR GUARANTEE THAT THE SERVICE WILL BE FREE FROM LOSS, CORRUPTION, ATTACK, VIRUSES, INTERFERENCE, HACKING, OR OTHER SECURITY INTRUSION, AND naijapay.ioDISCLAIMS ANY LIABILITY RELATING THERETO.
YOU FURTHER ACKNOWLEDGE THAT THE SERVICE IS NOT INTENDED OR SUITABLE FOR USE IN SITUATIONS OR ENVIRONMENTS WHERE THE FAILURE OR TIME DELAYS OF, OR ERRORS OR INACCURACIES IN, THE CONTENT, DATA OR INFORMATION PROVIDED BY THE SERVICE COULD LEAD TO DEATH, PERSONAL INJURY, OR SEVERE PHYSICAL OR ENVIRONMENTAL DAMAGE.
NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM naijapay.io OR THROUGH OR FROM THE SERVICE WILL CREATE ANY WARRANTY NOT EXPRESSLY STATED HEREIN.
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.
X. LIMITATION OF LIABILITY
naijapay.io AND ITS PARENTS, AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, PARTNERS, AND LICENSORS WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, OR DATA, OR OTHER INTANGIBLE LOSSES, RESULTING FROM (1) THE USE OR THE INABILITY TO USE THE SERVICE; (2) THE COST OF PROCURING SUBSTITUTE GOODS AND SERVICES; OR (3) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA THROUGH THE SERVICE, EVEN IF naijapay.ioHAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. naijapay.ioWILL NOT BE LIABLE FOR ANY DAMAGES ARISING FROM INTERRUPTION, SUSPENSION, OR TERMINATION OF THE SERVICE, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL CONSEQUENTIAL, OR EXEMPLARY DAMAGES, WHETHER SUCH INTERRUPTION, SUSPENSION, OR TERMINATION WAS JUSTIFIED OR NOT, NEGLIGENT OR INTENTIONAL, INADVERTENT, OR ADVERTENT.
naijapay.io’ ENTIRE LIABILITY, AND YOUR EXCLUSIVE REMEDY, IN LAW, IN EQUITY, OR OTHERWISE, WITH RESPECT TO ANY SERVICES PROVIDED UNDER THESE TERMS AND/OR FOR ANY BREACH OF THESE TERMS IS SOLELY LIMITED TO THE AMOUNT YOU PAID TO naijapay.ioFOR THE SERVICE.
SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.
XI. Notices and Announcements
You authorize naijapay.io to notify you of information that naijapay.io deems is of potential interest to you. Notices and announcements may include commercial emails and other notices describing changes, upgrades, new products and services, or other information. All notices must be sent either in writing (including email, but only to the extent expressly provided herein). naijapay.io may also provide notices of changes to these Terms or any other matter by displaying notices to you generally on the naijapay.io website.
XII. Agreement to Be Bound
By applying for the Service through naijapay.io’ online registration process or otherwise, or by using the Service, you acknowledge that you have read and agree to be bound by all terms and conditions of these Terms and documents incorporated by reference.
(a) Entire Agreement. These Terms comprise the entire agreement between you and naijapay.io, except as otherwise expressly agreed in writing, and supersede any prior agreements pertaining to the subject matter contained herein.
(b) Effect of Waiver. The failure of naijapay.io to exercise or enforce any right or provision of these Terms will not constitute a waiver of such right or provision.
(c) Arbitration. Any controversy or claim arising out of or relating to these Terms, or the breach thereof, shall be resolved exclusively by arbitration in the Federal Republic of Nigeria. You further agree that (1) the arbitration will be held in Lagos, of the Federal Republic of Nigeria (2) the arbitrator shall apply the laws of the Federal Republic of Nigeria, without regard to its conflict of law principles to the contrary; (3) you waive any right to proceed in arbitration on a class or representative basis; arbitration can resolve only claims between you and naijapay.io; (4) the arbitrator may not consolidate or join the claims of other persons or parties who may be similarly situated; and (5) all parts of this clause are severable, meaning that if any part is deemed unenforceable, the remainder of the clause will remain in effect and construed in accordance with its terms.
(d) Governing Law. These Terms will be governed by the laws of the Federal Republic of Nigeria without regard to its conflict of law principles to the contrary.
(e) Limitations. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to your use of the Service or these Terms must be filed within 1 year after such claim or cause of action arose or be forever barred.
(f) Construction. If any provision of these Terms is found by a court of competent jurisdiction or arbitrator to be invalid, the parties nevertheless agree that the court or arbitrator should endeavour to give effect to the parties' intentions as reflected in the provision, and that the other provisions of these Terms remain in full force and effect.
(g) Heading. The section headings and titles in these Terms are for convenience only and have no legal or contractual effect.
(h) Force Majeure. Neither party will be deemed in default hereunder, nor will it hold the other party responsible for, any cessation, interruption or delay in the performance of its obligations hereunder due to earthquake, flood, fire, storm, natural disaster, act of God, war, terrorism, armed conflict, labour strike, lockout, or boycott, provided that the party relying upon this section (1) will give the other party written notice thereof promptly and, in any event, within 10 days of discovery thereof and (2) will take all steps reasonably necessary under the circumstances to mitigate the effects of the force majeure event upon which such notice is based; provided further, that in the event a force majeure event described in this paragraph extends for a period in excess of 30 days in the aggregate, naijapay.io may immediately terminate these Terms and/or the Service.