Terms and Conditions
PLEASE NOTE THAT YOUR USE OF, AND ACCESS TO THE SERVICES (AS DEFINED BELOW) ARE SUBJECT TO THE FOLLOWING TERMS. IF YOU DO NOT AGREE TO ALL OF THESE TERMS, YOU MAY NOT USE OR ACCESS THE SERVICES IN ANY MANNER.
Last updated: November 4th, 2024
1. ACCEPTANCE OF TERMS
The following Terms and Conditions (the “Terms”) is a contract between you and Abeg Technologies Limited (“PocketApp”), a private limited liability company duly incorporated under the laws of the Federal Republic of Nigeria.
These Terms govern your use of and access to our website at https://paydatapp.com and the PocketApp application, a peer-to-peer social commerce and payments platform which includes any other website and mobile application operated by PaydatApp (collectively, the “Website”)
and features and services offered by us on this Website (together with the Website, the “Services”), including any content or functionality offered through this Website or the Services, whether as a guest, registered User or on the authorisation of a User.
'You', 'your', 'User' mean the person, entity, business, or company who uses or accesses the Services.
'We,' 'us,' and 'our' mean PocketApp and its successors, affiliates, and assignees.
'[aydatApp] Service Level Agreement' means a Service Level Agreement, Merchant Service Agreement or another agreement apart from these Terms which has been fully signed and entered into by and between a User and us relating to the access to and/or use of any of the Services by the User.
As used in these Terms, 'PocketApp Account' means the account you have with us for the Services.
'PaydatApp Account' means a registered account on the website and mobile application at https://paydatapp.com or any other affiliated website and mobile application (collectively, 'PaydatApp App') operated by Greenhabor Technologies Limited, a partner of Providus Bank.
'Business Day' means weekdays excluding Saturdays and Sundays and all other days officially declared work-free days/ public holidays in Nigeria.
'Product' means any goods or services offered to Users on this Website by a Vendor.
'Vendor' means any User who offers Products for sale to other Users on this Website.
'Purchaser(s)' means any User who is offered Products by a Vendor and communicates the intention to purchase such Product(s).
'Vendor's Conditions' means the guidelines and conditions provided by the Vendor relating to the Products.
'Card' means a prepaid virtual and/or physical card issued by an Issuing Bank, which is branded with one or more marks or signage of a Payment Scheme.
'Payment Scheme' means Visa, Mastercard, Verve and/or any affiliates thereof or any other card payment network and/or such other schemes governing
the issue and use of credit, debit, charge, purchase or any other cards or payment methods.
'Merchant' means any person or entity to whom you may offer payment through the use of a Payment Card.
'Issuing Bank' means a financial institution that issues Payment Cards under the authority of the relevant Payment Scheme.
'Retailer' means a retailer, seller, or service provider whose Vouchers are offered on this 'Website'.
'Third-Party Utility Bills Solutions' are technology-based payments and collections solutions which may be integrated to this Website and are offered by
third-party companies to enable Users to carry out specific utility bill payments on this Website.
'Content' means features, information, materials, and content provided and depicted through the Services.
By registering and signing up to use this Website, you agree that you have read, understood, and accepted all of the Terms contained in this Agreement.
You also accept and agree that you are solely responsible for
understanding and complying with all laws, rules and regulations that may be applicable to your use of the Services.
These Terms are legally binding and serve to govern your use of this Website. PLEASE READ AND UNDERSTAND THE TERMS CAREFULLY BEFORE AGREEING TO BE BOUND BY THEM.
Your use of and access to the Services are subject at all times to these Terms and our Privacy Policy. Please read these Terms and our Privacy Policy carefully.
By using or accessing the Services, you represent that you have read, understood and accepted these Terms and our Privacy Policy and you agree to be bound by these
Terms and our Privacy Policy.
If you do not agree to all the terms and conditions of these Terms and our Privacy Policy do not use or access the Services.
All information provided by you will be treated securely and strictly in accordance with the Nigeria Data Protection Regulation and other extant applicable data protection laws and regulations.
If you use this Website in the course of a business or other organisational project, then by so doing you: confirm that you have obtained the necessary authority to agree to these Terms; and
bind both yourself and the person, company or other legal entity that operates that business or organisational project, to these Terms.
Additional Terms
In conjunction with your access to or use of the Services, you may be subject to additional terms, rules, policies, and conditions
that are posted on this Website, including, but not limited to, terms and conditions for any new features,
refunds or rewards programs (the 'Additional Terms'), which are hereby incorporated by reference into these Terms.
In the event of a conflict between the Additional Terms and these Terms, these Terms will control and supersede any such conflict, inconsistency or ambiguity.
In the event of any conflict between the Terms, the Additional Terms, and the PocketApp Service Level Agreement if such has been executed between You and Us, the PocketApp Service Level Agreement shall prevail.
2. GOVERNING LANGUAGE
The governing language of these Terms and all communication between PocketApp and you will be in English language.
3. CONSENT TO USE ELECTRONIC SIGNATURES AND COMMUNICATION
Consent - To the extent permitted by applicable law, you consent to use electronic signatures
and to electronically receive all records, notices, statements, communications, and other items for
all Services provided to you under these Terms and in connection with your relationship with us (collectively,
'Communications') that we may otherwise be required to send or provide you in paper form (e.g., by mail).
By accepting and agreeing to these Terms electronically, you represent that:
(1) you have read and understand this consent to use electronic signatures and to receive Communications electronically; and
(2) your consent will remain in effect until you withdraw your consent as specified below.
Your Right to Withdraw Your Consent - Your consent to receive Communications electronically will remain in effect until you withdraw it. You may withdraw your consent to receive further Communications electronically at any time by contacting us at hello@pocketapp.com. If you withdraw your consent to receive Communications electronically, we will close your PocketApp Account and you will no longer be able to use your PocketApp Account or the Services, except as expressly provided in these Terms. Any withdrawal of your consent to receive Communications electronically will be effective only after we have a reasonable period of time to process your withdrawal. Please note that withdrawal of your consent to receive Communications electronically will not apply to Communications electronically provided by us to you before the withdrawal of your consent becomes effective.
You Must Keep Your Contact Information Current With Us - In order to ensure that we are able to provide Communications to you electronically, you must notify us of any change in your email address and your mobile number or other text message address by updating your profile on this Website.
Changes - We reserve the right, in our sole discretion, to discontinue the provision of electronic Communications or to terminate or change the terms and conditions on which we provide electronic Communications. Except as otherwise required by applicable law, we will notify you of any such termination or change by updating these Terms on this Website or delivering notice of such termination or change electronically.
4. ELIGIBILITY
In order to use the Services, you must (a) accept and agree to these Terms, our Privacy Policy and such other terms,
conditions and agreements communicated by us to you; (b) register with us on this Website, or be authorised by a registered
User to use the Services in a manner agreed by us; (c) be at least 18 years old, with full legal capacity to accept these Terms
and enter into any transaction on this Website, or have registered a business name in Nigeria for the business that will use the Services,
or be duly incorporated in Nigeria; (d) provide all information requested by us. If as a parent or guardian, you become aware that your child or
ward has provided us with any information without your consent, please contact us immediately at hello@paydatapp.com.
Your eligibility to use this Website also depends on the country you reside in. Currently,
this Website operates only in Nigeria, and is only available to users who have Nigerian bank accounts.
You may use the Services only if you agree to form a binding contract with PocketApp and are not a person
barred from receiving services under the laws of the applicable jurisdiction.
5. MANAGED ACCOUNTS
Managed Accounts is a form of PocketApp Account for persons who may be resident in Nigeria but do not have a Nigerian bank verification number (BVN).
A User with a PocketApp Account that has been verified (using such User's BVN and the Know-Your-Customer documents provided by such User) (the “**Verified User**”)
shall verify the PocketApp account to be used by the person that does not have a BVN (the “**Unrecognised Person**”),
and the Verified User shall be liable for all actions of the Unrecognised Person on this Website. If you are a Verified User,
you agree that you shall ensure that the Unrecognised Person reads, understands and complies with these Terms and all Additional Terms on
the Managed Accounts. We will regard any use of and/or access to this Website by the Unrecognised Person as use of and/or access to this Website by the Verified User.
6. CHANGES TO PERSONAL INFORMATION
We deploy strict physical, electronic, and administrative security measures to protect your
information from access by unauthorised persons, against unlawful processing and foreseeable
hazards and breaches when online.
We will retain your data for as long as necessary for the said purpose of the processing,
and after that, we will keep your data as long as the law requires.
7. SAFEGUARDING YOUR FINANCIAL INFORMATION
You agree that you shall be responsible for safeguarding your personal and financial information. Kindly note that we will never ask for your card details,
complete PAN, PIN, OTP/token codes, passwords, BVN or any sensitive financial information via call, text message, WhatsApp or email.
In the event that you receive a call, text message or email requesting any of the listed information above, kindly refrain from responding,
disregard the communication and promptly report same including any suspected scam or fraudulent activity to us through any of our available
communication channels here - hello@paydatapp.com and +234 700 933 933 933.
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