Terms and Conditions of Use

1.1.

Real-time Payments & Reload Limited (the Company) and its platforms (the website) www.realtimepay.ng and (Mobile Application) RealtimePay are dedicated channels for Seamless, Secure, and Stress-free bills payments. These are the platforms on which the Company relates with its public. The word Platform or Platforms where ever used in these Terms and Conditions refer to these services. Bills, such as phone airtime, data subscription, education services, electricity bills and more are available on these channels. The Company’s registered address is at House 25, F9 Street, CITEC ESTATE, MBORA, ABUJA FCT. NIGERIA

1.2.

The following are the Terms and Conditions that govern Our relationship and the use of Our website, mobile application, and all relevant APIs and other related services.

1.3.

By visiting and registering on this website and mobile application, You agree to be bound by these Terms and Condition and any variation that may become effective from time to time.

1.4.

These Terms and Conditions may be amended from time to time by RealtimePay and We reserve the right to modify the terms or withdraw the platform at any time without recourse or any obligation whatsoever on Our part.

1.5.

You agree to provide accurate and true information about Yourself and/or Organization.

1.6.

Please, read these terms and conditions carefully before proceeding with any of the transactions listed on the referenced platforms.

1.7.

You may not use this website and the mobile application if You disagree with any part of these Terms and Conditions.

2.1.

Minors or people aged 18 and below are not permitted to use Our website and mobile application and any of the services listed therein.

3.1.

Real-time Payments and Reload Limited owns all the intellectual property rights in the website and the mobile application and all of the contents therein.

3.2.

All the intellectual property rights are hereby reserved. You may view, download and print pages from the website for personal use, subject to restrictions set out below and elsewhere in Our privacy policy.

3.3.

The information You provide us shall be processed and used in line with the privacy policy.

3.4.

You shall not republish, duplicate, reproduce, copy, show, redistribute or exploit in anyway any material from this website or mobile application, anywhere for commercial purposes, except contents expressly specified for redistribution like Our newsletter; and in the case of Our newsletter, such may only be redistributed within Your respective Organizations with Our express permission.

4.1.

You may post content, but You are entirely responsible for the legality, reliability and appropriateness of such content that are posted by You.

4.2.

When contents are posted on Our services, You grant us the right to use such contents in any desirable manner. You retain all the rights in Your contents so posted and You are solely responsible for protecting Your rights.

4.3.

You agree that we may make Your contents, whether in its original or modified form, available to other users of Our platform who may also use Your contents subject to these Terms and Conditions.

4.4.

You warrant that Your content does not violate any known laws, privacy rights, copyrights, contract rights or any other rights of any third party whether using this platform or not.

5.1.

6.1.

You hereby agree to indemnify RealtimePay and its Directors, Officers, Employees, and Agents from any claims, liabilities, damages, losses and expenses including but not limited to legal fees arising in relation to Your breach of this agreement or any applicable laws or regulations.

6.2.

This indemnity shall apply to all liabilities both civil and criminal and all judgment debts, awards, damages or settlements that may be awarded against RealtimePay

6.3.

This indemnity shall be governed in accordance with the laws of the Federal Republic of Nigeria.

7.1.

These terms and conditions shall be governed by Nigerian Law.

7.2.

We shall use best endeavors to settle any dispute arising from this Terms and Conditions, timeously and amicably through mutual discussion

7.3.

Any dispute arising from the use of this platform that cannot be mutually resolved within 30 days of its written notification, shall be referred to an acceptable Sole Arbitrator to be appointed mutually by both parties. In the event that we are unable to mutually agree on a Sole Arbitrator within 14 days thereafter, application shall be made to the Chairman of the Chartered Institute of Arbitrators (Nigeria)

7.4.

Any dispute arising from these Terms and Conditions shall be resolved exclusively in accordance with the Arbitration Rules of the Arbitration and Conciliation Act, Cap. A18, Laws of the Federation of Nigeria 2004 or any amendments thereof.

7.5.

The Arbitration Seat shall be Lagos, Nigeria.

8.1.

You are responsible for all the transactions conducted on Our platform using Your computer, mobile phone, payment card and it is Your responsibility to keep these safe and secure at all times.

8.2.

You are responsible for maintaining the confidentiality of Your transactions including keeping safe Your Devices, usernames, passwords and all other relevant account information.

8.3.

If any of Your Devices are lost or stolen, it is Your responsibility to immediately notify Your bank to forestall any unauthorized access to Your payment cards or account. You are solely responsible for the security and the use of Your Devices.

9.1.

Our platform shall seamlessly complete all logged transactions in real-time. In the unlikely event of a failed transaction where a user has been debited but value has not been received, Our WhatsApp account or any of our online channels should be used to get in touch with us. In any case, please send the following details to these mobile channels or [email protected] for immediate resolution; user’s mobile phone number, transaction amount, transaction date and type and any other relevant details. We assure You that all logged issues shall be resolved in no time.

10.1.

RealtimePay, the Company, its Directors, Officers, Employees and Agents, shall in no event be liable for any damages, whether, special, indirect, incidental or consequential whatsoever including, without limitation, damages for loss of business profit or business information or any other pecuniary loss, arising from or in connection with our website www.realtimepay.ng or mobile application including, without limitation, the use or inability to use RealtimePay

10.2.

These limitations shall apply, notwithstanding any breach of any part of the fundamental terms and conditions.

11.1.

All services provided on Our platforms are provided on “as is” basis, without any express, implied and/or statutory warranties including but not limited to the implied warranty of merchantability, fitness for purpose, title, and non-infringement of intellectual property rights. RealtimePay gives no warranty that Our website and other applications will meet Your requirements or that Our platforms will be error-free, secure, uninterrupted, and timely.

11.2.

No advice or information, whether oral or written, obtained from either Our website or RealtimePay or from any of Our officers shall create a warranty as spelt out in 11.1 above.

12.1.

In the unlikely event that any term or provision of this Terms and Conditions is adjudged to be illegal, invalid or unenforceable in whole or in part for any reasons, such illegal, invalid or unenforceable provisions shall be taken out of this Terms and Conditions and such provisions excised shall be replaced with other provisions adjudged legal, valid and enforceable to the extent possible and this shall not affect the legality of this Terms and Conditions in any way.

13.1.

These Terms and Conditions govern Our relationship with all parties whether a casual visitor or a client. These Terms and Conditions shall be read together with the RealtimePay Privacy Policy, and both shall together constitute “Our Total Agreement” between You and RealtimePay in relation to Your use of Our website and mobile application.

14.1.

Neither, the Company, RealtimePay, nor You shall assign any or all of the obligations under this Terms and Condition to any third party without the written consent of the other party. When sought, such consent shall not unreasonably be withheld, given reasonable circumstances.

15.1.

RealtimePay reserves the right to modify or replace these Terms and Conditions at Our sole discretion, and at any time without any Prior notice whatsoever.

15.2.

By continuing to access Our website or use Our Services after those revisions become operational, You agree to be bound by the revised terms. You should stop using any of Our Services on Our platforms, in case You do not agree with any of the revised provisions.