The Squad Standard Terms and Conditions represent the legal attributes of Squad (“Squad”) provided by Squad Limited in conjunction with its various technology partners. The content is binding and is not subject to any varying terms or conditions, unless as provided by Squad subsequently upon due notice to the Merchant.
By using this platform, merchants unconditionally agree to be bound by laws, rules, regulations and official issuances applicable on the matter, now existing or which may hereinafter be enacted, issued or enforced. These terms and conditions also comprise the agreement between Squad, its sponsored platforms and/or its affiliates and the merchant in connection with the use of its Platform. The Terms and Conditions are outlined as follows:
The expressions listed below have the respective meanings set out against them:
The Merchant agrees and undertakes that it shall:
Where applicable, the Merchant agrees and undertakes that it shall:
In order to permit the Merchant’s website to inter-operate with the Systems, the Merchant will provide Squad with material and data that is System Ready.
Squad shall provide the Merchant with a list of requirements in order to enable the Merchant to create System Ready material and data. The Merchant shall have full responsibility for the content or correctness of the System Ready material and data.
The Merchant shall be responsible for validating information or Data for content, correctness or usability. The Merchant shall at all times adhere to the Acceptable Use Policy.
Squad may at its option and at any time, refuse or reject any material that is not System Ready. Squad agrees to notify and afford the Merchant the opportunity to rectify such material within a reasonable period of time as mutually agreed by the parties, to satisfy the needs or requirements of the Systems.
The Merchant will be fully responsible and liable for (including without limitation, all charges, losses, or damages whatsoever arising from):
The Merchant shall observe and comply with all security measures whether or not prescribed by Squad or the relevant bank and shall further comply with any instruction given by Squad or the relevant bank in respect of card transaction or customer (cardholder) payment instruction.
The Merchant shall ensure that Squad is promptly notified of any security breach, misuse, irregularity, suspected fraudulent Transaction, account numbers or any suspicious activities that may be connected with attempts to commit fraud or other illegal activity through the use of Merchant’s website.
The Merchant shall be responsible for determining and communicating the terms and conditions of Transactions on the Systems to its online users (cardholders). The Merchant understands and agrees that under no circumstances shall the use of the service imply that Squad endorses, sponsors, certifies or otherwise guarantees the sale or use of the Merchant’s Products.
The Merchant shall take all steps necessary to keep secure and confidential any information or data related to transactions initiated on the Merchant’s website. In the event any such information is lost, stolen or otherwise compromised, the Merchant shall forthwith report and give written notice of such occurrence to Squad where upon the Merchant shall, in consultation with Squad, take immediate steps to remedy the situation and prevent its reoccurrence.
The Merchant shall perform daily reconciliation of their web settlement against transaction reports generated on Squad dashboard. Where differences are noticed, the Merchant undertakes to inform Squad within one (1) hour through the designated support channels on their dashboard or Squad’s website.
A fee of 1% on the transaction amount plus N50 shall be charged as merchant fee payable by the merchant. Exceptions may apply in respect of travel and entertainment merchants including but not limited to hotels, restaurants, airlines etc. In which case shall be at such rate as agreed from time to time between the Acquirer and the Merchant.
However, for International/foreign cards transactions, the applicable flat charge of 3% shall be applied.
Squad shall have the right to revise such fees and charges from time to time, upon thirty (30) days’ notice to the Merchant.
The terms of payment for services fees and charges shall be in accordance with the services Application and as may be communicated by Squad. The respective processors shall be entitled to deduct all the aforementioned fees and charges from successful transactions from funds payable by Squad to the Merchant hereunder.
All payments required to be made by the Merchant on this service shall be payable unconditionally, without any deduction, claim, counter claim, setoff, notice or demand.
All fees and charges paid by the Merchant under this service shall not be refundable in the event of termination of the service howsoever caused.
The Merchant agrees that Squad may, if and whenever instructed to do so, limit or refuse any or all transactions to the Merchant’s Bank account, and no liability shall be imputed to Squad for acting on such instructions.
The Merchant agrees that Squad and the processors will not undertake payment or settlement procedures on the following non-settlement days:
Squad shall make regular payments to the Merchant in accordance with the frequency stated in the Services Application. Payments shall comprise actual funds cleared and actually received by Squad from the relevant processor since the previous settlement date. If the Merchant does not raise any objection to the amount of the payment within seven (7) days after such payment date, the Merchant shall not be entitled to object to it thereafter, provided that nothing in this clause shall preclude Squad from correcting any error or discrepancy in such amount paid.
Any payment by Squad hereunder, whether or not the Merchant has complied with all its obligations, shall be made without prejudice to any claims, rights or remedies that Squad may have against the Merchant and shall not constitute any admission or acknowledgment by Squad that the Merchant has duly performed its obligations hereunder or of the correctness of any amount so paid.
Squad reserves the right to implement delayed payment to merchants based on defined Merchant risk categorization
Squad reserves the right to implement rolling cash reserves for merchants based on Merchant risk categorization
Squad reserves the right to delay settlement for all the new merchants processing international payments for a probatory period
Squad reserves the right to implement rolling cash reserves for merchants based on Merchant risk categorization
Squad reserves the right to delay settlement for all the new merchants processing international payments for a probatory period
Any chargeback to the Merchant will be in accordance with the procedures and rules established by the International Payment Gateway provider as modified from time to time. The reasons for the chargeback of the items include (but are not limited to) the following:
The Bank will however be obliged to give details of reasons for chargebacks
Squad shall be entitled, upon receiving notification from Users (cardholders) or a participating bank and without any requirement for or any obligation to obtain any further proof thereof, to
If any amount withheld, set-off, deducted or reimbursed (as the case may be) as mentioned above becomes payable or refundable to the Merchant, Squad shall pay or refund, without interest, such amount to the Merchant as soon as practicable
Squad will not be liable for any taxes or other fees, including but not limited to goods and services tax, sales taxes, VAT, withholdings taxes or any other tax assessed by any tax authority with competent jurisdiction, to be paid in accordance with or related to the sale of the Merchant’s Products through the Systems or transactions generated by the Users.
The Merchant agrees to bear and take full responsibility for all taxes and fees of any nature associated with Products sold or the Merchant’s use of the Systems and will indemnify and hold Squad and the acquiring bank harmless in accordance herewith.
All refunds to the Users (cardholders) in connection with any Transaction shall be effected by Squad and the acquiring bank. Upon receipt of the Merchant’s instructions, Squad will refund any sum approved by the Merchant to the Merchant’s nominated customer (User). No refund of any service charge levied on the original Transaction will be made.
Squad shall be entitled to deduct all the aforementioned charges under this clause from cleared Transactions funds payable by Squad to the Merchant hereunder.
The Merchant agrees that when it submits an electronic request message only to Squad, the Merchant is thereby deemed to confirm to the processors and Squad that:
The Merchant accepts that payment can sometimes fail either for reasons known only to the processors or due to a data communication failure between servers. The Merchant can only obtain proof of payment from the transaction message bearing a successful transaction status or the successful transaction report available to the Merchant the day after the Transaction date
Squad agrees and undertakes that it shall use its best endeavours to ensure that the system shall facilitate the Transactions and the functions required to enable the Merchant to provide the services.
Squad makes no representations or warranties of any kind with respect to the Systems or any software provided, or any part thereof, express or implied, and shall not be liable to the Merchant for any loss or damage howsoever caused and regardless of the form of loss or damage which may be suffered or incurred by the Merchant in connection with this service including (without prejudice to the generality of the foregoing) any loss of profit in consequence of a breakdown in the Systems or part thereof other than pursuant to situations envisaged hereunder.
Squad shall not be liable to the Merchant in event that the Merchant suffers loss arising from a breach of the security and integrity of the Merchant’s Site, hardware or software related to this service but not under its direct administration and control.
Squad shall not be liable for any proceedings, actions in whatever nature made or however incurred, whether direct, indirect, consequential, contingent or foreseeable, suffered by the Merchant and/or Users, after the complete integration of the Merchant’s website to Squad, including but not limited to illegal access by any third party to any information decrypted with a hash value.
The Merchant undertakes that subject to 1.7
The Merchant hereby undertakes that it will not offer for sale on the Site, any goods or services not expressly stated upon registration of the Merchant’s website with Squad, the default of which Squad shall without any liability, immediately withdraw its services and prevent access to the Systems.
The Merchant hereby agrees that only the site expressly stated upon its registration with Squad shall be integrated into the Systems and derive the Services provided.
Squad shall not be involved in any dispute or claim that may arise between the Users and the Merchant, unless the said dispute or claim relates specifically to the use of the Systems in which case the same shall be subject to the relevant terms and Conditions governing the use of the Systems, prevailing from time to time and the dispute or claim were notified to Squad within thirty (30) days of occurrence.
This Squad Standard Terms & Conditions shall remain in force and effect until a party terminates or Squad service provisions is terminated.
Either Squad or the Merchant may elect to terminate Squad service Provision by giving one (1) month’s prior notice in writing to the other party of its intention to do so.
Notwithstanding, Squad shall have the right (but not the obligation) at any time to give immediate notice in writing to the Merchant to terminate this service forthwith upon the happening of any one or more of the following events of default, whether or not such event is of a continuing nature:
In the event of termination of this service for whatever reason:
In the event that Squad terminates this service in accordance with the terms hereof, the Merchant acknowledges and agrees that no reason whatsoever needs to be communicated to the Merchant for such termination and Squad shall not be liable in any way for any loss or damage incurred or suffered by any party due to such termination.
Any dispute, difference or disagreement arising out of or in connection with the provisions of this terms and conditions shall be finally settled by arbitration in accordance with the Arbitration and Conciliation Act, Cap 19, 1990, by one arbitrator appointed in accordance with provisions of the Act. Arbitration shall take place in Lagos and shall be conducted in English language
The laws of the Federal Republic of Nigeria govern this terms and conditions and the Nigerian Courts shall have sole jurisdiction.
The Merchant shall comply with and conduct its card activities in accordance with all Standards. The Merchant hereby indemnifies the Bank against any loss, liability, cost, damages, which the Bank may incur as a result of the Merchant's noncompliance with the said Rules and Standards.
GTBank reserves the right to take steps as well as request for information that would enable it monitor the Merchant's transactions, deposits and authorization activities in order to ensure that the Merchant is in compliance with the applicable Standards.
The failure by either Party to enforce any of the provisions of these Terms and Conditions shall not constitute a waiver of same or affect that Party’s rights thereafter to enforce same in any Nigerian Court
Neither party shall assign any of its obligations under this terms and conditions, without prior written consent of the other party, which shall not be unreasonably withheld.
Each of the Parties hereto undertakes to the other to keep confidential all information [written or oral] concerning the business and affairs of the other that it shall have obtained or received as a result of the discussions leading up to or the acceptance of this terms and conditions save that which is
If the compliance with this Terms and Conditions or any obligation under it is prevented, restricted or interfered with by reason of circumstance beyond the reasonable control of the Party obliged to perform it, the Party so affected shall be excused from performance to the extent of the prevention, restriction or interference, but the Party so affected shall use his best endeavours to avoid or remove the causes of non-performance and shall continue performance under this Terms and Conditions with utmost dispatch whenever such causes are removed or diminished.
Any notice required under this Terms and conditions shall be in writing and may be served either personally, or by registered or recorded delivery mail, or by telex or facsimile transmission to the last known address of the parties.
A notice shall be deemed to have been served, if it was served in person, at the time of service, or if it was served by post, 48 hours after it was posted, or if it was served by telex or facsimile transmission, at the time of transmission.
The Merchant shall prominently and unequivocally display signs showing its true name and identity visible to all Cardholders within its premises
When accepting the Card, the Merchant will follow the steps provided by Squad for accepting cards and will:
The Merchant hereby acknowledges that an authorization provides only that the Cardholder's account has sufficient credit available to cover the amount of the current sale and that an authorization does not mean the following:
The Merchant shall not receive any payments from a Cardholder for charges included in any transaction resulting from the use of any card nor receive any payment from the Cardholder to prepare and present a transaction for the purpose of effecting a deposit to the Cardholder's card account.
The Merchant shall not deposit duplicate transactions. The Merchant shall be debited for any adjustments for duplicate transactions and shall be liable for any charge back which may result there from provided however that the Merchant shall not be debited nor liable where a duplicate transaction is caused by data communication or system failure of Squad or Mastercard.
The Merchant will not under any circumstances disclose any Cardholder's account number or any information relating to the Cardholder's account number or any sales slips or credit vouchers which may have been imprinted with any card to any person other than a Squad representative or as required by law.
Furthermore, the Merchant agrees to store any material containing the Cardholder's account information in a secure manner with limited access for bonafide purposes and shall destroy such information in a fashion which renders the data unreadable.
The Merchant shall not use any Cardholder information for any fraudulent purpose or in violation of the Corporation Rules or for a purpose which the Cardholder did not authorize.
The Merchant agrees that failure to store Cardholder Information or wrongful use/disclosure of any such information will constitute a breach of this Agreement and will therefore be liable to pay damages.
The Merchant shall comply with and conduct its card activities in accordance with all standards. The Merchant hereby indemnifies the Bank against any loss, liability, cost which the Bank may incur as a result of the Merchant's noncompliance with the said Rules and Standards.
The Merchant hereby provides the following warranties to Squad:
The Merchant shall indemnify Squad from and against all losses, expenses and damages which Squad may directly or indirectly suffer or incur or any dispute between Squad and any cardholder as a result of its failure to observe any of the Merchant's obligations.
The Merchant hereby agrees and undertakes to fully indemnify and keep Squad harmless from and against all actions, claims, costs (including legal costs on a full indemnity basis), losses, charges, expenses, and damages which the merchant may suffer or incur as a result of:
Squad shall forward to the Merchant from time to time the latest Warning Notice in respect of Cards. If the Merchant accepts any card that is on such list, the Merchant will be liable to accept any transaction is sued as a result of the use of such card.
Squad reserves the right to take steps as well as request for information that would enable it monitor the Merchant's transactions, deposits, and authorization activities in order to ensure that the Merchant is in compliance with the applicable Standards.
Any charge back to the Merchant will be in accordance with the procedures and rules established by MasterCard International as modified from time to time. The reasons for the charge back of items include (but will not be limited to) the following:
Squad will however be obliged to give details of reasons for charge backs.
Merchants should keep copies of approved receipts generated from the POS terminal for retrieval requests and any other investigation or inquiry which may come from the Acquirer or card association.
A fee of 0.3 % on the transaction amount shall be charged as merchant fee payable by the merchant. Exceptions may apply in respect of travel and entertainment merchants including but not limited to hotels, restaurants, airlines, fueling stations etc. In which case shall be at such rate as agreed from time to time between the Acquirer and the Merchant.
The Merchant shall pay to Squad the applicable fees, service charge on a per transaction basis, at such time as may from time to time be stipulated by the network in the Schedule of Charges and Fees set out in the Schedule of fees.
In the course of this agreement, the Merchant may acquire information relating to Squad, its pricing methods, systems, processes and hereby agree to respect and preserve its confidentiality and not to disclose any such information to any third party.
The Merchant shall also keep all information acquired from Cardholders confidential and shall not disclose any such information to any third-party other than Squad, the Corporation or as required by law.
This Agreement may be amended from time to time by both parties, in writing
This agreement and any special conditions shown on the final page hereof, shall supersede any previous agreement between the Merchant and Squad concerning the same subject and shall become effective when this is signed on by the Merchant and countersigned by Squad.
This agreement may be terminated by either party at any time by a 30-day written notice sent by registered mail. In the event of termination, the obligations of both parties with respect to all transactions accepted by Squad prior to such termination shall continue in full force and effect. Squad may terminate this agreement immediately without prior notice if
All disputes, controversy or claims arising out of or in connection with this contract shall be finally settled arbitration in accordance with the Arbitration and Conciliation Act, Law of Nigeria. The venue of the arbitration shall be in Nigeria and the Language shall be English.
If any provision herein is deemed by any tribunal or court of competent jurisdiction to be illegal, invalid or unenforceable under any applicable law or otherwise, it shall, to the extent required by such law and be severed from this Agreement and rendered ineffective so far as is possible without affecting the legality, validity and enforceability of the remaining provisions of this Agreement.
The liability of the Merchant hereunder shall not be impaired or discharged by reason of anytime or grace or other indulgence being granted by or with the consent of Squad or any forbearance by the Squad to insist upon its strict rights hereunder. No right under this Agreement shall be deemed to have been waived except in writing signed by the parties hereto and waiver of any particular right in a particular instance shall not constitute or be deemed a waiver of any other right.
No failure or omission by any party to carry out its obligations or observe any of the stipulations or conditions of this Agreement, shall give rise to any claims against the party in question or be deemed a breach of this Agreement, if such failure or omission arises from a cause of force majeure, such as acts of God, war or warlike hostilities, civil commotion, riots, blockades, embargoes, sabotage, strikes, lockouts, shortage of material or labour, delay in deliveries from subcontractors or machine or data communication or network failure caused by force majeure, or any other event outside the control of the party in question.
Without prejudice to any of the parties rights at law and under this Agreement, in the event of a breach by the Merchant of any of the terms and conditions of this Agreement, the other party may at its sole discretion give immediate notice in writing to the Merchant to remedy the breach within one (1) month of the said notice and may during the notice period, suspend all rights of the Merchant under this Agreement, save for those rights necessary to enable the Merchant to remedy the breach. If the Merchant shall fail to remedy the breach within the aforesaid notice period, Squad shall have the right but not the obligation to extend the notice period (with or without suspension) or forthwith terminate this Agreement in accordance with Clause 3.03
This Agreement shall take effect from the date hereof and shall continue and be in force until terminated in line with the provisions of this Agreement.
The Merchant shall establish and maintain its Webpage, including the contents of same in line with the terms of this Agreement and as specified by Squad from time to time.
The Merchant shall ensure that information provided on its Webpage is accurate and complete and, in the form, specified by Squad from time to time.
The Merchant shall keep its Account confidential and shall promptly notify Squad of any unauthorized use of its Account.
The Merchant shall be available upon request by Squad to resolve any issues relating to its Webpage and resolution of complaints and disputes from individuals patronizing the Merchant's webpage.
The Merchant shall comply with requests from Squad to conduct due diligence and establish the true identity, nature, ownership, source of funds, operational and transaction history of the business
The Merchant shall publicly disclose on its Webpage its delivery, fulfilment and returns policies and also ensure that it is at all times compliant with same.
The Merchant is prohibited from the display, sale of any products or engagement in any activity declared illegal under the Law including but not limited to narcotics, hard drugs, firearms, tobacco or tobacco products, armament productions, casino or companies where the principal source of income is gambling, Immoral and illegal activities, including but not limited to the display of pornographic photographs or materials or the sale of pornographic products, production or activities involving harmful or exploitative forms of forced labor and/or child labor, trade in wildlife or wildlife products that have been expressly prohibited by Law for public sale, production or trade in radioactive materials, unbounded asbestos fibers, and hazardous chemicals; and investments harmful to the environment or any item which may cause public offence or has been expressly prohibited by Law.
The Merchant shall ensure that sizes of the images pasted on its Webpage/storefront shall be as prescribed by Squad from time to time to ensure that the Platform functions at optimal capacity.
The Merchant shall not switch from the sale of one category of Products to the other without the express written permission of Squad.
The Merchant shall ensure the safety and security of all data, or any information stored on its Webpage.
The Merchant shall pay a non- refundable annual Platform Membership Fee (“PlatformFee”) of N10,000.00 ( Ten thousand Naira only). The Platform Fee shall be subject to periodic review at the sole discretion of Squad. (This fee has currently been deffered).
In addition to the obligations listed above, the Merchant shall be held by all other Fees, Rules & Regulations stipulated by the Squad as concerns payments, operations, refunds, and fulfilment
Squad shall be responsible for the provision of the Services and shall grant the Merchant access to the use of the Services provided that the Merchant is in compliance with the terms of this Agreement.
Squad shall provide parameters for the provision of images and videos of the Products to be displayed on the Platform and the content of the information to be uploaded on the Platform and Webpage.
Squad shall as much as it is within its ability, endeavour to provide necessary administrative and technical support for the Platform.
Squad may revise the terms and conditions of this Agreement from time to time.
The Merchant hereby represents and warrants to Squad as follows:
That the Merchant is duly incorporated if declared to operate in the capacity of a business enterprise, validly existing and in good standing under the laws of Nigeria and has the legal authority to enter into this Agreement
That the Merchant has the requisite skills, experienced management, certified personnel and technology to execute the services stated herein.;
That all the information relating to the Merchant or otherwise relevant to the matters contemplated by this Agreement which have been provided to HabariPay by the Merchant are true and correct in all respect and shall notify HabariPay of any material change in such information;
The Merchant represents that it shall comply with all applicable privacy, consumer and other laws and regulations with respect to the Services.
The following and a breach of any of the terms of this Agreement by the Merchant shall constitute an event of default under this Agreement:
Without prejudice to any remedy or right reserved by the Parties, HabariPay may terminate this Agreement or suspend the Merchant's access to the Services at any time without notice to the Merchant for the violation of any of the terms of this Agreement.
If the Merchant wishes to discontinue the use of the Services, the Merchant must give a 14-day notice of its intention. The merchant must also ensure that all orders are fulfilled during this notice period.
This Agreement shall automatically terminate if:
Upon termination of this Agreement, the Merchant shall return to HabariPay all the properties and materials of HabariPay that are in the Merchant's possession. The Merchant must also ensure that all orders are fulfilled.
The Merchant recognizes and acknowledges that HabariPay shall be providing the Services on the Platform on an “as is” basis.
The Merchant agrees to indemnify and keep HabariPay indemnified against all losses, damages, claims, costs, adverse judgement, legal costs, professional or attorney's fees and other expenses of any nature whatsoever incurred or suffered by HabariPay whether direct or consequential (including any economic loss on turnover, profit, business or goodwill) as a result of or in connection with or in any way related to the use of the Platform under this Agreement or the use of its website which users on the Platform may be directed to access and the Merchant shall be liable for any loss or damage suffered by HabariPay as a result of such action and upon demand reimburse HabariPay for any such loss or damages.
In the event of any proceeding, litigation or suit against HabariPay by any regulatory agency or in the event of any court action or other legal or judicial proceeding challenging or otherwise arising out of any matter herein contemplated, the Merchant shall co-operate fully with HabariPay in the preparation of the defence of such action or proceeding and also co-operate with HabariPay and its attorneys, as may be required.
The foregoing indemnification obligations shall survive the termination of this Agreement.
The Merchant agrees that except as otherwise set forth herein, all right, title and interest in and to all registered and unregistered trademarks, service marks and logos, patent, patent applications and patentable ideas, inventions, trade secrets, proprietary information and know-how, registered and unregistered copyrights including without limitation to any forms, images, audio-visual displays, text, soft-ware and all other intellectual property, proprietary rights or rights related to intangible property which are used, developed, embodied in the Services are owned by HabariPay and agrees to make no claim of interest in or ownership of any such HabariPay’s intellectual property. The Merchant further agrees that no title to HabariPay’s proprietary right is transferred to the Merchant, and that the Merchant does not obtain any rights, express or implied by use of the Platform.
The Merchant shall be authorized to use its trademarks on the Platform and shall not infringe on the rights of third parties. The Merchant agrees that the display of its products or designs on the Platform shall not infringe on the intellectual rights of any third parties and that it shall not rent, sell, resell, lease, sublicense or loan the components of the Service therefrom.
The Merchant shall establish an Account with HabariPay for the Products. Such Account shall not in any way be misleading, offensive or infringing. The Merchant shall be responsible for keeping its Account and password secure and prevent same from unauthorized use. The Merchant is responsible for all activities relating to its Account.
HabariPay shall appoint a Website Manager whose responsibility shall be to audit and maintain the Platform from time to time to ensure the Platform is being operated legally and that no offensive contents or images are posted on the Merchant's Webpage. The Website Manager reserves the right upon giving prior notice to HabariPay to suspend or delete the Webpage of any Merchant who breaches any term of this Agreement.
HabariPay shall provide sample images, videos, audio, text messages or any other items as may be needed to upload on the Website.
The Merchants represents that they are not less than 18 years of Age in the case of the Proprietor of a Business Enterprise or persons representing Merchants who are Limited Liability Companies are not less than 18 years of Age.
HabariPay may provide the Merchant with its confidential information in oral or electronic form in furtherance of this Agreement. The Merchant agrees to keep any such confidential information confidential and not to disclose it to any third party, other than its employees and directors on a need-to-know basis, without the prior written consent of HabariPay, save as required by law or regulation. The confidential information shall exclude any information that is in the public domain in the same format or context. This clause shall survive the expiration or termination of this Agreement.
The Merchant acknowledges that the unauthorized disclosure of confidential information to a third party may cause loss or damage to HabariPay. Accordingly, the Merchant hereby indemnifies HabariPay against any loss, claim or damage arising from a breach of the confidentiality obligations under this Agreement;
The Merchant hereby covenants that it shall not during the subsistence of this Agreement, assign all or any portion of its obligations under this Agreement to any other individual, body or corporation.
Except as expressly set forth above; HabariPay or any of its agents make no warranty of any kind, express, implied or statutory regarding the Services or this Platform.
In no event will we be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website nor do we commit to ensuring that the Platform remains available or un-interrupted, error free or that the material on the Platform is kept up-to-date or that all errors shall be corrected.
HabariPay reserves the right, at its sole discretion, to change, modify, add, or delete portions of these Terms at any time as set out herein. These Terms may be changed unilaterally by HabariPay from time to time. We will give you notice of the changes by posting new terms in place of the old with a revision date indicated or by sending an email to the email address then registered for your HabariPay account. These changes will be effective on the date we post them, unless we otherwise provide at the time we post the changes. You are responsible for checking for updates and your continued use of HabariPay after we post changes will constitute your acceptance of the changes.
YOU ALWAYS HAVE THE RIGHT TO CEASE YOUR PARTICIPATION ON HABARIPAY PLATFOM AND WITHDRAW YOUR PRODUCTS FROM SALE IF THE TERMS ARE NOT ACCEPTABLE TO YOU.
Please note that other aspects of your use of the HabariPay Service may be governed by additional agreements agreed by the Parties, in writing. To the extent that there is any irreconcilable conflict between these terms and any agreement in writing, the agreement in writing shall prevail.
Notwithstanding anything to the contrary herein contained, neither Party shall be liable or responsible for failure to perform or delay in performance of any of its obligations under this Agreement if such failure or delay is due to or attributable to any act of God, war, warlike conditions, hostilities, riots, civil commotion, or any other cause or circumstance of whatsoever nature beyond the reasonable control of either Party. Such Force Majeure situation shall be notified to the other Party within 15 days from the occurrence of the same. If such situation continues for a period of 3 months the other party shall be entitled to terminate the Agreement on the expiry of the said period after duly intimating the same to the other Party.
If any provision of this Agreement is held by a court of law to be unlawful, void or unenforceable, such provision shall to the extent required be severed from this Agreement and rendered ineffective as far as possible without modifying the remaining provision of this Agreement and without having any effect whatsoever on the validity or enforceability of this Agreement.
This Agreement shall be governed by the laws of the Federal Republic of Nigeria and any disputes arising therefrom shall be subject to the Nigerian Courts.
HabariPay and The Merchant hereby expressly acknowledge and agree that regarding the relationship between the parties created by this Agreement:
The parties are not, and shall not be deemed, joint ventures or partners.
The Merchant is not, and shall not be deemed, an agent of HabariPay.
HabariPay Limited is a private limited liability company licenced by the Central Bank of Nigeria to provide electronic payment systems services.
This policy sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by us. Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it. By continuing to visit our website (www.squadco.com), applications and other HabariPay customer touchpoints, you accept and consent to the practices described in this policy.
We receive and store any information you enter on our website, app or you give us in any other way. You provide a lot of this information when you voluntarily register for an account with us or log into an existing account; provide information in your account; visit our website or download our app; order products/content from us; use our payment services, access our platform or use our services; contact us for customer care.
The information we collect is typically related to the product or service you request and usually contains but is not limited to;
You can choose not to provide certain information, but then you might not be able to take advantage of some of our features. We use the information that you provide for such purposes as responding to your requests, customizing future shopping for you, improving our stores, and communicating with you.
We may retrieve additional Personal Information about you from third parties and other identification/verification services such as your financial institution and payment processor. With your consent, we may also collect additional Personal Information in other ways including emails, surveys, and other forms of communication. Once you begin using our services through your account, we will keep records of your transactions and collect information of your other activities related to our services. We will not share or disclose your Personal Information with a third party without your consent except as may be required for the purpose of providing you with our services or under applicable legislations.
When you download or use apps created by us, we may receive information about your location and your mobile device, including a unique identifier for your device. We may use this information to provide you with location-based services, such as advertising, search results, and other personalized content. However most mobile devices allow you to turn off location services.
When you checkout on our website or merchants’ platforms, we collect your card information, email address, mobile phone number, and billing and your shipping address. However, only the masked PAN is stored by us. Our physical and virtual access control measures ensure your card information is kept safe and secure on our servers. We also have cyber security policies and procedures, industry standards including the use of encryption and firewall technologies in compliance with international standards and we implement periodical security updates to ensure that our security infrastructures are in compliance with reasonable industry standards.
Cookies are small text files stored on your computer or mobile devices whenever you visit a website.
Cookies have many uses, such as identifying you as a user and memorizing your preferences to tailor your experiences while on our site– or to help us analyze our website traffic.
The Help feature on most browsers will tell you how to prevent your browser from accepting new cookies, how to have the browser notify you when you receive a new cookie, or how to disable cookies altogether. Additionally, you can disable or delete similar data used by browser add-ons.
However, it should be noted that some cookies are essential to access certain areas of this site and disabling them may impact your experience using our website;
Any personal information provided by you will be used with your consent, for compliance with legal obligations or for the purposes of meeting legitimate interests of HabariPay.
Your personal information is used in:
We may also collect, use and exchange your information in other ways permitted by law.
We may share the information about you and your dealings with us, to the extent permitted by law, with the following:
We may also disclose information about you if we determine that disclosure is reasonably necessary to enforce our terms and conditions or protect our operations or users. Additionally, in the event of a reorganization, merger, or sale we may transfer any and all personal information we collect to the relevant third party.
Information about our customers and their usage of our website is not shared with third parties for their marketing purposes. We do not disclose any information about any user’s usage of our web site except in specific cases, and we do not share information with any unaffiliated third parties for marketing purposes unless you expressly give us permission to do so.
We take appropriate technical and organizational measures to prevent loss, unauthorized access, misuse, modification or disclosure of information under our control.
Your personal information with us remains secure because:
Where we have provided you (or where you have chosen) a password or security pin that grants you access to specific areas on our site, you are responsible for keeping this password confidential. We request that you do not share your password or security pin or other authentication details with anyone and also sure you sign off when using a shared computer.
We have added the Two Factor Authentication as an additional layer of security to your account. You will be required to enter a One Time Password (OTP) (a code sent to you to verify directives. Please note that you may opt to disable this feature. In the event you opt out of this feature, despite our strong recommendation, HabariPay shall not be liable for any loss or damages incurred as a result of your decision.
In line with regulatory compliance, we retain your data for 7 years or longer where necessary for the purpose(s) that it was collected. Storage of your data is also determined by legal, regulatory, administrative or operational requirements.
You have certain rights available to you, these include:
You may decline to provide your personal Information when we request for same, however, certain services or all the services may be unavailable to you. You may review your account settings and update your Personal Information directly or by contacting us.
Keeping your account information accurate and up to date is very important. If you discover any inaccuracies in your personal information, please promptly update or notify us where applicable, via our ticketing platform. Where necessary you may be required to provide documentary evidence.
HabariPay websites, products, applications, and services may contain links to third-party websites, products and services. Our products and services may also use or offer products or services from third parties. Information collected by third parties, which may include such things as location data or contact details is governed by their privacy practices and HabariPay will not be liable for any breach of confidentiality or privacy of your information on such sites. We encourage you to learn about the privacy practices of those third parties.
HabariPay uses Third-Party API services and by signing up to this Service, you agree to be bound by the Terms and Policies applicable and/or governing Third-Party content. Links to Third-Party websites and online services that may be contained in this Terms are not owned or controlled by HabariPay. Therefore, HabariPay makes no representation and assume no liability or responsibility for, the content, privacy policies, or practices of these third-party Services, or the accuracy, reliability, or correctness of those services.
Where Personal Information is to be transferred to a country outside Nigeria, HabariPay shall put adequate measures in place to ensure the security of such Personal Information. In particular, HabariPay shall, among other things, confirm whether the country is on the National Information Technology Development Agency (“NITDA”) White List of Countries with adequate data protection laws and ensure it is in accordance with the provisions of the Nigeria Data Protection Regulation.
HabariPay will take all necessary steps to ensure that Personal Information is transmitted in a safe and secure manner. Details of the protection given when your Personal Information is transferred outside Nigeria shall be provided to you upon request.
Processing of Personal Information shall be done under the following:
Consent under this Policy means any freely given, specific, informed and unambiguous indication of the Data Subject's wishes by which they, through a statement or a clear affirmative action, signify their agreement to the processing of Personal Information relating to them.
We do not sell products for purchase by children. If you are under 18, you may use HabariPay platform with the consent of a parent or guardian only.
HabariPay may sometimes contact you with products or services that we think may be of interest to you. If you don’t want to receive such promotional materials from us, you can opt out at any time by sending an email to help@habariPay.com.
Please read this acceptable use policy ("policy", “AUP”) carefully before using services rendered by HabariPay limited ("us", 'we", "our").
Services provided by us may only be used for lawful purposes as indicated in the Merchant Agreement or any other agreement relating to the service. You agree to comply with all applicable laws, rules, and regulations in connection with your use of the service(s).
You may use our Services only for lawful purposes. You may not use the Company’s Website or Platform in connection with any product, service, transaction or activity that:
Habaripay does not offer services to the following business types listed below:
You also agree:
We alone will determine whether there has been a breach of this Acceptable Use Policy through your use of our Services.
We take breach of this policy seriously and may take the following actions: