Terms and Condition

ContiPay User Terms and Conditions

The User Term and Conditions along with our Privacy Policy (collectively this "Agreement") forms the terms and conditions of use of our services ("Services"). This Agreement is a legal document between the User (as defined below) and Contitoch Technologies ("ContiPay", "we", "our" or "us") governing the Users' relationship with ContiPay.

(The terms "User(s)"/"you"/ "your" shall hereinafter refer to the Seller(s) and/or the Buyer(s) as the case maybe).

IMPORTANT

This is an important document which you must consider carefully when choosing whether to use ContiPay Services at any time. Please read the terms of this Agreement (along with Links to this Agreement) carefully before agreeing to it. This Agreement also highlights certain risks on using the ContiPay Services together with guidance on how online payments through ContiPay can be facilitated.

You are solely responsible for understanding and complying with any and all laws, rules and regulations of your specific jurisdiction that may be applicable to you in connection with your business and your use of the ContiPay Services.

BY CLICKING THE ACCEPTANCE BUTTON OR ACCESSING, USING OR INSTALLING ANY PART OF THE SERVICE, THE USER EXPRESSLY AGREES TO AND CONSENTS TO BEING IRREVOCABLY BOUND BY THIS AGREEMENT AND ALL OF THE TERMS SET OUT HEREIN. IF THE USER DOES NOT AGREE TO ALL OF THE TERMS OF THIS AGREEMENT, THE BUTTON INDICATING NON-ACCEPTANCE MUST BE SELECTED. CONTIPAY WILL PROMPTLY CANCEL THE ASSOCIATION AND THE USER MAY NOT ACCESS, USE OR INSTALL ANY PART OF THE SERVICE.

CONTIPAY SHALL HAVE DEEMED TO HAVE ACCEPTED THIS AGREEMENT AND THE CONTRACT SHALL ONLY BE CONSIDERED TO BE DULY EXECUTED, VALID AND BINDING AFTER THE RECEIPT OF THE USER INFORMATION FROM THE USER, DUE VERIFICATION OF THE SAME BY CONTIPAY AND A VERIFICATION OF THE CONTRACT BEING SENT BY CONTIPAY TO THE USER AS MORE SPECIFICALLY STATED BELOW.

LIMITATION ON THE USE OF THE SERVICE

We reserve the right, at our sole discretion, to change, modify, add or remove portions of this Agreement at any time without any prior written notice to you. Any changes or modifications will be effective immediately upon posting of the revised Terms to our Services, and you waive any right you may have to receive additional notice of such changes or modifications. Your continued use of Services following the posting of changes will mean that you accept and agree to the revisions; therefore, it is your responsibility to frequently review these Terms and all applicable terms, policies and guidelines to understand the terms and conditions that apply to your use. If you do not agree to the amended/revised terms, you must stop using the Services. Any use of the Services in violation of these Terms may result in, among other things, termination or suspension of your right to use the Services.

When you use Services provided by us, you will be subject to rules, guidelines, policies, terms, and conditions applicable to such Services, as may be modified from time to time and they shall be deemed to be incorporated into this Agreement and shall be considered as part and parcel of this Agreement. You are solely responsible for understanding and complying with any and all laws, rules and regulations of your specific jurisdiction that may be applicable to you in connection with your use of the Services.

1. REGISTRATION FOR SERVICES

You must register with us and open a ContiPay account (“ContiPay Account”) in order to use the Services. We allow both individuals and Legal Entities to register with ContiPay. You agree to:

1. (a) provide only current, accurate and complete information about yourself in the course of registering to use the Services (such information being the "Registration Information"); and

2. (b) maintain and promptly update the Registration Information, as necessary, to keep it true, accurate, current and complete at all times. If you provide any information that is untrue, inaccurate, not current or incomplete, or we have grounds to suspect that such information is untrue, inaccurate, not current or incomplete, we may suspend or terminate your account and refuse any and all current or future use of the Services (or any portion thereof) and you will not have any cause of action against us for such suspension or termination of your account.

You represent that you are the legal owner of, and that you are authorized to provide us with, all Registration Information, account information and other information necessary to facilitate your use of the Services.

For registration of your business, you are permitted to apply and enroll only if you represent a legitimate business and have the authority to enter into these Terms and Condition on behalf of the business. You represent and warrant that you are duly authorized by the business entity to accept this Agreement and have the authority to bind such business entity to the terms and conditions given in this Agreement. Further, you represent and warrant that the business entity will continue its acceptance through the then authorized signatories, the terms of this Agreement as may be modified from time to time as long as such business entity continues using the Services.

You further represent and warrant that the business entity has all the requisite consents, approvals, certificates, agreements, registrations and licenses in accordance with the laws, regulations, rules and guidelines in force in Zimbabwe from time to time.

2. ELIGIBILITY REQUIREMENT FOR OPENING A CONTIPAY ACCOUNT

By creating/opening a ContiPay Account, you represent and confirm that you
(a) Are 18 (eighteen) years of age or older;
(b) Have the legal capacity to enter into a contract.
(c) entering into and performing this Agreement, as per applicable law.

You further represent and confirm that you are not a person debarred from using the ContiPay Sites and/or receiving the Services under the laws of Zimbabwe or other applicable laws.

Your right to access and use the Sites and the Services is personal to you and is not transferable by you to any other person or entity. You are only entitled to access and use the Sites and Services for lawful purposes.

3. USER NAME AND PASSWORD

As part of the ContiPay registration process, you will create a username and password for your ContiPay Account. You must choose a reasonably descriptive username that clearly identifies you or your business. In addition, your password should not contain any details about you that are easily available or identifiable. You are responsible for maintaining the confidentiality of the password and the ContiPay Account. For security purposes, we recommend that you memorize your password and do not write it down. You agree not to disclose these credentials to any third party. Any person to whom you give your password will have full access to your payment information, and you assume all risk of loss resulting from any such access. All information and instructions received from your ContiPay Account will be deemed to have been authorized by you and the recipients of this information shall rely on its authenticity based on the use of your password. You will be responsible for all actions taken by anyone accessing the Services using your username and password.

In the event of any dispute between two or more parties as to ownership of a particular ContiPay Account, you agree that ContiPay will be the sole arbiter of such dispute. ContiPay's decision (which may include termination or suspension of any account subject to dispute) will be final and binding on all parties.

4. VERIFICATIONS OF INFORMATION

We may share some or all of the information you provide with the Payment System Providers,, issuing banks, Merchants (defined hereinafter) and other statutory, regulatory and governmental authorities. By accepting these Terms and Conditions, you authorize ContiPay to request for supplemental documentation at any time (before or after your ContiPay Account has been activated), in order to verify your identity, the accuracy of the information provided. If we cannot verify that this information is accurate and complete, we may deny your use of the Services, or close your ContiPay Account at any time. At any time, ContiPay and/or the Payment System Providers may conclude that you will not be permitted to use the Services.

5. OUR RELATIONSHIP WITH YOU

We provide online payment facilitation services. Through the ContiPay aggregate payment gateway services, we facilitate you in making payments to our registered merchants (“Merchants”) for purchase of goods and services using your debit card, and any other acceptable modes of payment mechanism provided by us. These transactions are between the Merchants and you. We are only acting as an intermediary. We facilitate the collection of payments from you and facilitate the settlement of such payments to the respective Merchant. We are not involved in the clearing or payment of the transaction.

Use of our Services may be available through a compatible mobile device or other device, Internet and/or network access and may require software. You agree that you are solely responsible for these requirements, including any applicable changes, updates and fees as well as the terms of your agreement with your mobile device and telecommunications provider.
CONTIPAY MAKES NO WARRANTIES OR REPRESENTATIONS OF ANY KIND, EXPRESS, STATUTORY OR IMPLIED AS TO:
(i) THE AVAILABILITY OF TELECOMMUNICATION SERVICES FROM YOUR PROVIDER AND ACCESS TO THE SERVICES AT ANY TIME OR FROM ANY LOCATION;
(ii) ANY LOSS, DAMAGE, OR OTHER SECURITY INTRUSION OF THE TELECOMMUNICATION SERVICES; AND
(iii) ANY DISCLOSURE OF INFORMATION TO THIRD PARTIES OR FAILURE TO TRANSMIT ANY DATA, COMMUNICATIONS OR SETTINGS CONNECTED WITH THE SERVICES.

6. RIGHTS YOU GRANT TO US

By submitting information, data, passwords, user names, other log-in information, materials and other content to us, you are granting us the right to use that for the purpose of providing the Services. We may use and store the content in accordance with this Agreement and our Privacy Statement, without any obligation by us to pay any fees or be subject to any restrictions or limitations. By using the Services, you expressly authorize ContiPay to access your account information and payment information and submit the same further for processing your payments to any party to whom it is required to be submitted for the purpose of providing you Services. We shall be acting as an intermediary, while providing you payment facilitation services. You agree that our role is limited to facilitating your payment instructions and providing other values added services.

7. REJECTION OF AUTHENTICATION AND AUTHORIZATION

You understand that the Payment System Providers or your issuing bank may reject authentication and/or authorization of transaction placed by you for any reason including but not limited to insufficient funds, incorrect authentication details provided, expired card/bank account, risk management, suspicion of fraudulent, illegal or doubtful transactions, selling of banned items, use of compromised cards or bank account numbers, use of banned/blacklisted cards or bank account numbers, use of suspicious API or guidelines, regulations, etc. and any other laws, rules, regulations, guidelines in force in India.

You further acknowledge that as a security measure we and/or the Payment System Providers may at our sole discretion, permanently or temporarily, block any card number, account numbers, group of cards or transactions from any specific blocked or blacklisted cards /, accounts, specific, group of IP addresses, devices, geographic locations and / or any such risk mitigation measures it wishes to undertake.

As a risk management tool, we and/or the Payment System Providers reserve the right to limit or restrict transaction size, amount and/or monthly volume at any time. We will consider a variety of factors in making a decision and such determination will be at our sole discretion.

8. TRANSACTION CONFIRMATION AND ACCOUNT HISTORY

When your payment instructions are successfully processed with respect to a transaction, we will update your ContiPay Account activity and provide you with a transaction confirmation. This confirmation will serve as your receipt. You acknowledge that we will only release the transaction confirmation upon receiving confirmation with respect to the authentication, authorization and processing of such Transaction (your bank account or debit or credit card being debited or charged) from the Payment System Provider ("Transaction Confirmation").We will not be responsible for any transactions that have not been confirmed to us by the Payment System Providers.

The summary of your transaction history is available on your COntiPay Account dashboard. Except as required by law, you are solely responsible for
1.(a) compiling and retaining permanent records of all transactions and other data and
2.(b) reconciling all transaction information that is associated with your ContiPay Account. If you believe that there is an error or unauthorized Transaction activity that is associated with your COntiPay Account, you agree to contact us at www.contipay.com immediately not later than 5 (five) days.

9. RISK MONITORING; UNUSUAL OR SUSPICIOUS TRANSACTIONS

In an effort to manage our risk, we may monitor your transactions and processing activity for high-risk practices or for fraudulent transactions. We may also engage third-party service providers to assist in these efforts and other elements of the Service. If we believe there is suspicious or unusual activity, we may temporarily or permanently suspend your access to the Service. Suspicious or unusual activity includes, but is not limited to changes in your average transaction amount or processing pattern or use of different payment accounts.

10. SECURITY PROCEDURES

Unauthorized access to your financial information: To help prevent unauthorized access to your personal financial information, You agree to:
1.(a) maintain the security of your account by not sharing your password with others and restricting access to your account on your computer or mobile or other device;
2.(b) ensure that you logout from your ContiPay Account each and every time you use it;
3.(c) ensure that you have a lock such as a pattern lock, password protection, etc. on your device and not leave your computer or mobile or other device unattended or unlocked; and
4.(d) take responsibility for all activities that occur under your ContiPay Account and accept all risks of unauthorized access. If you believe your password or devices has been lost or stolen, or if you suspect any fraudulent activity, please immediately report this to us immediately at email ADDRESS HERE

.

You are solely responsible for any unauthorized access to your personal or financial information that result from your failure to properly follow the Security Procedure detailed in these Terms and Conditions. ContiPay will not be liable for any loss, damage or other liability arising from your failure to comply with the terms and conditions herein or from any unauthorized access to or use of your COntiPay Account. We will also have no liability and you agree to assume all risk of loss that arises out of or relates to any loss or theft of your device or any information contained within any device.

Risks: The use of a device such as mobiles, tablets and laptops involves risks as also does the usage of internet. For example, sensitive personal information or financial data that is transmitted from or to a device or internet may be intercepted and used by third parties without your knowledge. Viruses, spyware and other “malicious code” can also be downloaded to your devices without your knowledge. By using a device and internet to access the Sites, you assume all of those risks and agree that we will have no liability whatsoever to you for any loss or theft (including identity theft) occurring as a result of such risks.

Encryption: Data transferred via the Sites is encrypted in an effort to provide transmission security. Notwithstanding our efforts to ensure that the Sites are secure, you acknowledge that mobile transmissions and the Internet are inherently insecure and that all data transfers, occur openly and potentially can be monitored and read by others. We cannot and do not warrant that all data transfers utilizing our Sites will not be monitored or read by others.

Additional Security Procedures: We may from time to time use reasonable additional or alternative procedures to ensure the security and confidentiality of your payment transactions through our Sites. At all times you agree to comply with all security procedures we may impose in connection with your use of the Sites. You agree that all security procedures we use are commercially reasonable, and to the extent allowed by law, you assume all risk of loss for unauthorized transactions where we have followed our then-current security procedures.

Duty of Reasonable Care: We will exercise good faith and reasonable care in processing your transactions in accordance with these Terms and Conditions. You will similarly exercise good faith and reasonable care in:-
o (i) using the Sites,
o (ii) observing and maintaining security procedures,
o (iii) communicating with us, and
o (iv) In reviewing your transaction records for any errors or discrepancies.

Dropped calls, lost signals: If the internet connection to your device is interrupted or disconnected at any time before signing off, you must confirm that your payment requests have been received by us. We are not responsible for disconnections or interruptions in service or for failing to complete any payment request that we have not received as a result of any disconnection or interruption of the internet connection on your device.

Compatibility: The protocol that we use may be different from that used by your device or internet carrier. We make no representations or warranties that your device or any carrier will be compatible with our system requirements or otherwise allow you to make payment requests using the Sites.

11. DISCLAIMER REGARDING SELLERS, SELLER'S PRODUCTS AND RELATED THIRD PARTIES

All obligations with respect to the delivery of goods and services and/or acknowledgement of payment will be solely that of the Merchant and not of ContiPay. Notwithstanding the dispute resolution assistance provided by ContiPay, all disputes regarding quality, merchantability, non-delivery, and delay in delivery or otherwise will be directly between you and the Merchant without making us and/or the Payment System Providers, a party to such disputes.

We make no representations or guarantees regarding Merchants utilizing our Services. Use of our Services in no way represents any endorsement by us of a Merchants existence, legitimacy/legality, ability, policies, practices, beliefs as well as the Merchants goods and services or reliability. The Merchant alone will be responsible to you and we will not have any responsibility or liability towards you in this respect.

The relationship between us and the Merchants is on principal-to-principal basis. We have no connection or interest of whatsoever nature in the business of the Merchants or the goods/services offered / marketed by the Merchant. We do not in any manner take part in their business, directly or indirectly and are nowhere concerned or connected to the revenue of the Merchants. We will only provide payment aggregator and collection services to the Merchant in our capacity as an intermediary. Further it is not our responsibility to monitor in any manner the use of the payment mechanisms by you for purchasing goods and services from the Merchant. You are using the payment mechanisms at your sole option and risks.

12. OWNERSHIP AND INTELLECTUAL PROPERTY RIGHTS

The Service are protected by copyright, trademarks, patents, trade secret and/or other intellectual property laws. We own the title, copyright and other worldwide intellectual property rights in the Services and all copies of the Services. In addition, this Agreement does not grant you any rights to the intellectual property rights in the Services;

In addition, "ContiPay", "ContiPay.com", and any other name, brand name, logo, wordmark, trademark, service marks, slogan of ContiPay are trademarks of ContiPay or of our affiliates, group company, service providers, etc. and should not be copied, imitated or used, in whole or in part, without our prior written permission or the applicable trademark holder.

You should not use any metatags or any other "hidden text" utilizing "ContiPay" or any other name, trademark or product or service, name of ContiPay without our prior written permission. In addition, the look and feel of the Services, including all page headers, custom graphics, button icons and scripts, the service mark, user interface, trademark and/or trade dress of ContiPay and may not be copied, imitated or used, in whole or in part, without our prior written permission.

Nothing contained herein authorizes you to use or in any manner exploit any intellectual property rights of ours or our affiliates, group companies, service providers, the Payment System Providers, without our prior written consent, expect where consent is already provided under these Terms and Conditions.

You may choose to, or we may invite you to, submit comments or ideas about the Services, including without limitation about how to improve the Service or our products. By submitting any idea, you agree that your disclosure is gratuitous, unsolicited and without restriction and will not place us under any fiduciary or other obligation, and that we are free to use the idea without any additional compensation to you, and/or to disclose the idea on a non-confidential basis or otherwise to anyone. You further acknowledge that, by acceptance of your submission, we do not waive any rights to use similar or related ideas previously known to us, or developed by our employees, or obtained from sources other than you.

13. ONLINE AND MOBILE ALERTS AND COMMUNICATION POLICY

We may from time to time provide automatic alerts and voluntary ContiPay Account or payment related alerts. Further automatic alerts may be sent to you following certain changes to your ContiPay Account or information, such as a change in your Registration Information.

By accepting the terms and conditions and/or using the Services, you accept that we may send the alerts to your registered mobile phone number and/or registered email id. You acknowledge that the alerts will be received only if the mobile phone is in ‘On’ mode to receive the SMS. If the mobile phone is in ‘Off’ mode then you may not get / get after delay any alerts sent during such period.

Electronic alerts will be sent to the email address provided by you as your primary email address for the Services. If your email address changes, you are responsible for informing us of that change. You can also choose to have alerts sent to a mobile device that accepts text messages. Changes to your email address or mobile number will apply to all of your alerts.

We will make best efforts to provide the Service and it shall be deemed that you shall have received the information sent from us as an alert on your registered mobile phone number or email id and we shall not be under any obligation to confirm the authenticity of the person(s) receiving the alert. You cannot hold us liable for non-availability of the service in any manner whatsoever.

You acknowledge that the SMS service or email service provided by us is an additional facility provided for your convenience and that it may be susceptible to error, omission and/ or inaccuracy. In the event you observe any error in the information provided in the alert, you shall immediately inform us about the same. We will make best possible efforts to rectify the error as early as possible.

You further acknowledge that the clarity, readability and promptness of providing the service depend on many factors including the infrastructure, connectivity of the service provider. We shall not be responsible for any non-delivery, delayed delivery or distortion of the alert or for any errors in the content of an alert; or for any actions taken or not taken by you or any third party in reliance on an alert in any way whatsoever.

Because alerts are not encrypted, we will never include your passcode. However, alerts may include your user name and some information about your ContiPay Accounts. Depending upon which alerts you select, information such as a ContiPay Account balance may be included. Anyone with access to your email will be able to view the content of these alerts.

You agree to indemnify and hold us harmless and the SMS/email service provider including its officials from any damages, claims, demands, proceedings, loss, cost, charges and expenses whatsoever including legal charges and attorney fees which we and the SMS/email service provider may at any time incur, sustain, suffer or be put to as a consequence of or arising out of
(i) misuse, improper or fraudulent information provided by you, and/or
(ii) you providing incorrect number or providing a number that belongs to that of an unrelated third party.

You also agree to receive information regarding what we perceive to be of your interest based on your usage history via SMS, email & phone call. This includes offers, discounts and general information.

By accepting the terms and conditions you acknowledge and agree that ContiPay may call the mobile phone number provided by you, while registering for the Service or to any such number replaced and informed by you, for the purpose of collecting feedback from you regarding the Services.

Grievances and claims related to Services should be reported to ContiPay Care Team in the manner provided on the website.

14. DORMANT ACCOUNTS

If there is no activity in you ContiPay Account (including access or payment transactions) for a period of six (6) months, we may close your ContiPay Account.

15. PRIVACY

Your privacy is very important to us. Upon acceptance of these Terms and Conditions, you confirm that you have read, understood and accepted our Privacy Policy.

16. TERMINATION

Our Right: We reserve the right, without notice and in its sole discretion, to terminate your access to, and use of, of the Services and to block or prevent your future access to, and use of, the Services. Upon termination, you must uninstall any copies of the Services from your computer and/or mobile or other devices. We will not be liable to you for the termination of the Services or for any consequence arising out of termination of the Services.

Your Right: You may terminate this Agreement by closing your ContiPay Account at any time. Upon closure of a ContiPay Account, any pending transactions will be canceled.

Force Majeure: We will have to option to suspend or terminate this Agreement and the Services with immediate effect on the occurrence of a force majeure event.

17. EFFECT OF TERMINATION

We will not be liable to you for compensation, reimbursement, or damages in connection with your use of the Services, or any termination or suspension of the Services. Any termination of this Agreement does not relieve you of any obligations to pay any fees or costs accrued prior to the termination and any other amounts owed by you to us, and/or the Payment System Providers as provided in this Agreement.

18. DISCLAIMER

The Services are provided on an "as is" and "as available" basis. Use of the service is at your own risk. To the maximum extent permitted by applicable law, the Services is provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

Without limiting the foregoing, we, Payment System Providers, and its processors, (and their respective subsidiaries, affiliates, agents, directors, and employees) do not warrant that the content is accurate, reliable, correct or error free; that the Services will meet your requirements; that the Services and the Payment System Providers' payment mechanism will be available at any particular time or location, uninterrupted or secure; that any defects or errors will be corrected; or that the Services is free of viruses or other harmful components; that the hyperlinks will function properly at all times; at any particular time, that information on the Services will at all times or at any particular time be correct, complete or timely; or that all portions of the Services are secure. We further make no warranty with regards to the products or services that are paid for with the Services or the time or date in which scheduled payments are completed with the Services.

Any content downloaded or otherwise obtained through the use of the Services is downloaded at your own risk, and you will be solely responsible for any damage to your property or loss of data that results from such download. No advice or information, whether oral or written, obtained by you from us or through the Services will create any warranty not expressly stated herein.

We will not be liable to you for any loss or damage whatsoever or howsoever caused or arising, directly or indirectly, including without limitation, as a result of loss of data; interruption or stoppage of access to payment gateway; interruption or stoppage ContiPay Sites; non-availability of connectivity links/hyperlinks.

Our sole obligation and your sole and exclusive remedy in the event of interruption in Services or loss of use and/or access to Services, will be to use all reasonable endeavours to restore the Services and/or access as soon as reasonably possible.

The Services are controlled and operated from and in Zimbabwe. We make no representations that the Services are appropriate or available for use in other locations. Those who access or use the Services from other jurisdictions do so at their own volition and are entirely responsible for compliance with all applicable Zimbabwean laws, rules, regulations.

19. INDEMNIFICATION

You agree to defend, indemnify and hold harmless ContiPay, our independent contractors, Payment System Providers and our directors, employees and agents, from and against any claims, damages, costs, liabilities and expenses (including, but not limited to, reasonable attorneys' fees) arising out of or related to (a) any actual or alleged breach of these Terms and Conditions or any other terms, policies or guidelines provided by us, Payment System Providers or Banks.
(b) any actual or alleged violation of applicable laws or rules of any network or company;
(c) your wrongful or improper use of the Services; or (d) your violation of the rights of any third party.

20. LIMITATION OF LIABILITY

In no event shall we, our directors, employees or agents, be liable to you for any direct, indirect, incidental, consequential, punitive, special or exemplary damages or for any damages of any kind, including but not limited to loss of use, loss of profits or loss of data, whether in an action in contract, tort (including but not limited to negligence) or otherwise, arising out of or in any way connected with the use or inability to use the Services, including without limitation any damages caused by or resulting from reliance by you on any information obtained from us or that result from mistakes, omissions, interruptions, deletion of files, errors, defects, viruses, delays in operation or transmission or any failure of performance, whether or not resulting from acts of god, communications failure, theft, destruction or unauthorized access to our records, programs or services.

In no event shall our aggregate liability, whether in contract, warranty, delict (including negligence, whether active, passive or imputed), product liability, strict liability or other theory, arising out of or relating to the use or inability to use the Services exceed any fee, you pay to us, if any, to access or use the Services.
In addition, we shall not be liable for errors you make in using the Service, including the following:
o - you erroneously direct us to submit a payment instructions to a Merchant multiple times;
o - you direct us to submit the wrong amount to a Merchant;
o - you direct us to submit a payment instruction for a wrong Merchant; or
o - you provide us with incorrect or incomplete information.

Any of the above issue(s) needs to be taken up directly with the Merchant.

You understand and acknowledge that we do not have control of, or liability for, the goods or services that are paid for via the Service.

Your liability: Except as otherwise provided by law, you will be liable for any loss or damage resulting from your breach of this Agreement or your negligence, or which resulted from unauthorized, fraudulent, or dishonest acts by others (other than us). You are liable for all payments that you make or which are made or requested under your ContiPay Account, even if that payment is unauthorized.

Some jurisdictions do not allow limitations on implied warranties or the exclusion or limitation of certain damages. If these laws apply, some or all of the above disclaimers, exclusions or limitations may not apply. You agree that, if you are dissatisfied with the Services or any portion thereof, your exclusive remedy shall be to stop using the Services.

21. GOVERNING LAW AND JURISDICTION

This Agreement will be governed by and construed in accordance with the laws of Zimbabwe. You agree that any legal action or proceedings arising out of this Agreement may be brought exclusively in the competent courts/tribunals having jurisdiction in Zimbabwe and irrevocably submit themselves to the jurisdiction of such courts / tribunals.

22. RIGHT TO AMEND OR MODIFY

We reserve the right at any time and from time to time to modify or discontinue, temporarily or permanently, the Sites or Services with or without notice. We may also change the Services, in our sole discretion. If you do not agree to the changes, you may stop using the Services. Your use of the Services, after implementation of the change(s) will constitute your agreement to such change(s). You agree that we shall not be liable to you or to any third party for any modification, suspensions, or discontinuance of the Services.

We may modify these Terms and Conditions from time to time. Any and all changes to this Agreement may be provided to you by electronic means (i.e., via email or by posting the information on the Sites). In addition, the Agreement will always indicate the date it was last revised. You are deemed to accept and agree to be bound by any changes to the Agreement when you use the Services after those changes are posted.

23. THIRD PARTY SERVICES AND LINKS TO OTHER WEB SITES

We may display third party content or advertisements through the Services and may provide links that will take you to web pages and content of third parties that are not under our control (collectively, "Third Party Content"). We make no representation, warranty, promise or guarantee whatsoever concerning any aspect of any Third Party Content, including without limitation regarding its accuracy or completeness. You agree that your use of all Third Party Content is entirely at your own risk. We provide Third Party Content solely as a convenience to you, and the provision of such a link is not an endorsement by us of any aspect of the Third Party Content. You acknowledge and agree that we are not responsible or liable in any manner for any Third Party Content and undertake no responsibility to update or review any Third Party Content. Please remember that when you use a link to go from our website to another website, our Privacy Policy is no longer in effect. If you browse and interact on any other website, including those that have a link on our website, this will be subject to that website's own rules and policies.

24. ASSIGNMENT

These Terms and Conditions, and any rights and licenses granted hereunder, may not be transferred or assigned by you. We may assign, in whole or in part, the benefits or obligations of this Agreement. We will provide an intimation of such assignment to you, which will be binding on the parties to these Terms and Conditions.

25. FORCE MAJEURE

We will not be liable for failure to perform under this Agreement as a result of any event of force majeure like acts of god, fire, wars, sabotage, civil unrest, labour unrest, action of statutory authorities or local or state, central governments, change in laws, rules and regulations, affecting our and/or the Payment System Providers performance.

26. WAIVER

Unless otherwise expressly stated in this Agreement, the failure to exercise or delay in exercising a right or remedy under these Terms and Conditions will not constitute a waiver of the right or remedy or a waiver of any other rights or remedies, and no single or partial exercise of any right or remedy under these Terms and Conditions will prevent any further exercise of the right or remedy or the exercise of any other right or remedy.

27. SURVIVAL OF PROVISIONS

The terms and provisions of these Terms and Conditions that by their nature and content are intended to survive the performance hereof by any or all parties hereto will so survive the completion and termination of this Agreement.

28. SEVERABILITY

If any provision of these Terms and Conditions is or becomes, in whole or in part, invalid or unenforceable but would be valid or enforceable if some part of that provision was deleted, that provision will apply with such deletions as may be necessary to make it valid. If any court/tribunal of competent jurisdiction holds any of the provisions of these Terms and Conditions unlawful or otherwise ineffective, the remainder of these Terms and Conditions will remain in full force and the unlawful or otherwise ineffective provision will be substituted by a new provision reflecting the intent of the provision so substituted.

29. NON-EXCLUSIVITY

It is agreed and clarified that this Agreement is on a non-exclusive basis and the Parties are at liberty to enter into similar terms and agreements with others.

30. LIMITED LICENSE TO USE THE SERVICES

We grant you a personal, limited, non-exclusive, revocable, non-transferable license, without the right to sublicense or assign, to electronically access and use the Services solely to access and use the Services for their intended purpose of enabling you to instruct a payment transaction, view your COntiPay Account dashboard and use other valued added services. You will be entitled to download updates to the Services, subject to any additional terms made known to you at the time, when we make these updates available. All other uses are prohibited.

While we want you to enjoy the Services subject to these Terms and Conditions, you should not yourself or permit any third party to do any of the following:

o (a) access or monitor any material or information on our system using any manual process or robot, spider, scraper, or other automated means unless you have separately executed a written agreement with us referencing this clause that expressly grants you an exception to this prohibition;

o (b) copy, reproduce, alter, modify, dismantle, create derivative works, publicly display, republish, upload, post, transmit, resell or distribute in any way material or information from us;

o (c) transfer any rights granted to you under these Terms and Conditions;

o (d) violate the restrictions in any robot exclusion headers on the Services, work around, bypass, or circumvent any of the technical limitations of the Services, use any tool to enable features or functionalities that are otherwise disabled in the Services, or decompile, disassemble, decode or attempt to decode or reverse engineer the Services or to in any way override or break down any protection system integrated into the Services;

o (e) Post or transmit any file which contains viruses, worms, Trojan horses or any other contaminating or destructive features, or that otherwise interfere with the proper working of the Services;

o (f) perform or attempt to perform any actions that would interfere with the proper working of the Services, prevent access to or use of the Services by us to others, or impose an unreasonable or disproportionately large load on our infrastructure;

o (g) create a derivative software program;

o (h) any resale or commercial use of the Services such as permit any third party to use and benefit from the Service via a rental, lease, timesharing, service bureau or other arrangement;

o (i) the distribution, public performance or public display of the Services or any materials therein;

o (j) downloading (other than page caching) of any portion of the Services or any information contained therein, except as expressly permitted by us; or

o (k) Otherwise use the Services except as expressly allowed under this Agreement.

Any use of the Services other than as specifically authorized herein may result in, among other things, termination or suspension of your right to use the Services. Such unauthorized use may also violate applicable laws, including without limitation copyright and trademark laws and applicable communications regulations and statutes. Unless explicitly stated herein, nothing in these Terms and Conditions shall be construed as conferring any license to intellectual property rights, whether by estoppel, implication or otherwise. This license is revocable at any time, and will continue until such time as you cease to use or access the Services or your use or access to the Services is terminated by us.

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