Terms of Use

Effective Date: November 26, 2024

OUR TERMS AND CONDITIONS

These Terms and Conditions (Terms) govern your use of GapPay’s services, including our website, mobile app, and payment processing services. By using our services, you agree to be bound by these Terms.

1. Definitions

The following terms are defined for clarity:

  1. GapPay: Refers to GapPay Company, a payment solution with its principal place of business at Rivers State, Port Harcourt.
  2. Services: Refers to GapPay’s payment processing services, including our website and mobile app.
  3. User: Refers to you, the individual using our Services.

2. Use of Services

When using our services:

  1. Eligibility: You must be at least 18 years old to use our Services.
  2. Registration: To use our Services, you must create an account with us. You agree to provide accurate and complete information during the registration process.
  3. Password Security: You are responsible for maintaining the confidentiality of your account password.

3. Payment Terms

The following payment terms apply:

  1. Payment Processing: We process payments on behalf of our Users.
  2. Transaction Fees: We charge transaction fees for our payment processing services.
  3. Refunds: Refunds are subject to our refund policy.

4. Intellectual Property

Our intellectual property rights include:

  1. Ownership: GapPay owns all intellectual property rights in our Services, including our website and mobile app.
  2. License: We grant you a limited, non-exclusive license to use our Services for personal or commercial purposes.

5. User Conduct

You agree to the following:

  1. Prohibited Activities: You agree not to use our Services for any unlawful or prohibited activities.
  2. Compliance with Laws: You agree to comply with all applicable laws and regulations when using our Services.

6. Disclaimer of Warranties

Our disclaimers include:

  1. Our Services are provided on an as-is and as-available basis.
  2. We disclaim all warranties, express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

7. Limitation of Liability

Our liability limitations include:

  1. We are not liable for any damages, losses, or expenses arising from your use of our Services.
  2. Our liability is limited to the amount of fees paid by you to us in the preceding 12 months.

8. Indemnification

You agree to:

  1. Indemnify and hold harmless GapPay, its officers, directors, employees, and agents from any claims, damages, losses, and expenses arising from your use of our Services.

9. Termination

Termination conditions include:

  1. We may terminate your account and access to our Services at any time, without notice.
  2. Upon termination, you agree to cease using our Services.

10. Governing Law

Applicable laws:

  1. These Terms are governed by and construed in accordance with the laws of the Federal Republic of Nigeria.
  2. Any disputes arising from these Terms will be resolved through arbitration in accordance with the rules of the Federal High Court, Abuja.

11. Changes to Terms

We reserve the right to update these Terms at any time. We will notify you of any changes by posting an updated version on our website.