Terms and Condition (Customers)

Contents

  1. Introduction
  2. Registration
  3. Our role
  4. Your account
  5. Payments
  6. Cashback and promotions
  7. Record keeping
  8. Data privacy
  9. Due diligence, audit rights and investigations
  10. Buyer disputes
  11. Warranties
  12. Limitations and exclusions of liability
  13. Indemnification
  14. Term and termination
  15. Entire agreement
  16. Hierarchy
  17. Variation
  18. Severability
  19. No waiver
  20. Assignment
  21. Third party rights
  22. Law and jurisdiction
  23. Our company details
  24. Notices

 

  1. Introduction
    1. Ronads Digital Systems Solutions (“Ronads” or “we” or “us”) provides a payment service (“Ronads service”) to enable the buyer (“buyer” or “you”) to make payments for products or services purchased on websites and applications operated by Ronads, its affiliated companies, and other third party merchants who accept payment via the Ronads service (“merchants”).
    2. These terms and conditions apply to your use of the Ronads service whether you make payments or access the service using a website or an application operated by a third party merchant; or by a merchant that is owned or controlled by us, in control of us, or under common control with us (“a Ronads affiliate”).
    3. By using the Ronads service, you agree to be bound by the terms and conditions and our policies, each as may be modified from time to time. If you do not agree to these terms and conditions, you may not access or use the Ronads service.
  2. Registration
    1. Your account for the Ronads service (“Ronads account”) is linked to any account that you have established for purchasing products or services through a website or an application operated by Ronads or a Ronads affiliate (“Ronads marketplace account”).
    2. To create a new Ronads account you must create new login details on our website or application.
    3. You agree to keep the password for your Ronads account or other authentication method (“password”) confidential and notify us in writing immediately if you become aware of any disclosure of your password in order that we may block your account.
    4. Your Ronads account shall be used exclusively by you and you agree to be responsible for any activity on your Ronads account arising out of any failure to keep your password confidential, and that you may be held liable for any losses arising out of such a failure.
    5. We may suspend or cancel your account, and/or edit your account details, at any time in our sole discretion and without notice or explanation.
    6. Ronads accounts are intended for use by individuals. You may not register for a Ronads account if you are under 18 years of age. By using the Ronads service and agreeing to these terms and conditions, you warrant and represent to us that you are an individual of at least 18 years of age.
  3. Your account
    1. Your account permits you to access the information in your Ronads account to make purchases to merchants.
    2. You may register and access in your account one or more credit cards, debit cards, and other payment methods that we accept for making purchases (“payment methods”).
    3. Any payment method you use with Ronads will automatically be saved to your Ronads account. A list of your saved payment methods will appear on the payments page.
    4. You may access your payment methods in Ronads for making purchases. You may be required to verify that you control the payment methods in your account prior to using them for making any purchases.
    5. You agree to provide any information that we or our financial institutions may require or that you may be required by law to provide, in respect of the Ronads service.
  4. Our role
    1. Our service enables buyers to use the payment information stored in the account to make payments to merchants.
    2. The availability of payment methods may vary depending on the merchant. Some features may also be limited based on where you are located and what we know about you.
    3. Ronads acts as the service provider of the merchant in connection with the service, except in cases where another payment service provider enables a merchant to accept the service.
    4. We may use the services of one or more third parties, affiliates, processors, and/or financial institutions to provide the Ronads service.
    5. Your payment service provider is the entity that issued your payment method e.g. credit card, debit card or mobile money provider.
    6. Except for our limited role in enabling the merchant to accept the Ronads service, we are not involved in any underlying sales transaction between you and the merchant. In particular:
      1. we are neither the buyer nor the seller of the items or services the merchant offers for sale and are not a party to the sales contract;
      2. the merchant is the seller of record for all sales via the Ronads service. The name of Ronads, one of our affiliates, or the merchant’s payment service provider, will appear on the statement issued by your payment service provider (which may also, at our option, display the merchant’s trade or business name).
    7. A buyer’s obligation to pay for an item purchased via the Ronads service is satisfied when the buyer properly pays in full for that item via the Ronads service. We are not a fiduciary or trustee of either the buyer or the merchant.
    8. Subject to section 8 below, we will not mediate disputes between buyers and merchants or enforce or execute the performance of any sales contract.
  5. Payments
    1. Buyers may pay for products and services sold by any person with a merchant account.
    2. All transactions shall be denominated in the Nigerian Currency. If your payment service provider does not recognize fractions of the currency sub-unit, we may round up the transaction value to the nearest sub-unit.
    3. You may be charged a cash advance, currency exchange (if applicable) or other fees directly by your payment service provider. We are not responsible for these fees.
    4. In the event that you receive a refund in respect of products purchased using Ronads, we may apply the refund to your Ronads account, unless not permitted by applicable law.
  6. Cashback and promotions
    1. We may issue you with cashback in respect of specified purchases. Cashback may be used within the period specified in the terms and conditions of the promotion or, if no period is specified, within three (3) months of the end of the promotion, upon which it shall expire.
    2. We may issue vouchers or gift cards pursuant to a promotional activity. Vouchers or gift cards may be used within the period specified in the terms and conditions of the promotion or, if no period is specified, within seven (7) days of the end of the promotion, upon which it shall expire.
    3. We reserve the right to cancel or promotions or cashback if we suspect fraud or foul play; or if you close your Ronads account.
  7. Record keeping
    1. When an order is confirmed from your Ronads account, we will update your account page and provide you a transaction confirmation email. The confirmation email will serve as your receipt. You may receive a separate receipt from the merchant for the transaction.
    2. Summaries of your Ronads account activity, including the list of transactions, are available on your account page.
    3. Except as required by law, you are solely responsible for (a) compiling and retaining permanent records of all transactions and other data associated with your  account and your use of the Ronads service, and (b) reconciling all payment activity and all other transactional information that is associated with your Ronads account.
  8. Data privacy
    1. You agree to the processing of your personal data in accordance with the terms of our Privacy.
    2. Ronads shall process all personal data obtained in the course of delivering the Ronads service in accordance with the terms of our Privacy Policy.

 

  1. Due diligence, audit rights and investigations
    1. We operate an anti-fraud and anti-money laundering compliance program and reserve the right to perform due diligence checks on all users of Ronads.
    2. You agree to provide to us all such information, documentation and access to business premises (where applicable) as we may require:
      1. in order to verify your adherence to, and performance of, your obligations under these terms and conditions;
      2. for the purpose of disclosures pursuant to a valid order by a court or other governmental body; or
      3. as otherwise required by law or applicable regulation.
    3. You agree to cooperate with us, including by providing witness statements to the police or other law enforcement agencies, in order to investigate any frauds or disputed transactions relating to your account.

 

  1. Buyer disputes
    1. If you are unsatisfied with any products or services that you have purchased using our Ronads service, you should contact the merchant directly first.
    2. If you are unable to resolve the matter with the merchant, you may file a complaint against the merchant by contacting us.
    3. If you dispute any transaction with Ronads you should first contact us as and if we decide against you, you can seek to pursue the dispute with your payment service provider later. If Ronads does not make a final decision on your claim until after your payment service provider’s deadline for filing a dispute, and because of our delay you recover less than the full amount you would have been entitled to recover from your payment service provider, we will reimburse you for the remainder of your loss (minus any amount you have already recovered from the merchant or your payment service provider).
    4. If a dispute arises between you (as a buyer) and a merchant, you release us (and our agents and employees) from any and all claims, demands, and damages (actual and consequential) in any way connected with the dispute and the transaction.
  2. Warranties
    1. You represent and warrant to us that:
      1. you are eligible to register and use the Ronads service and have the right, power, and ability to enter into and perform under these terms and conditions and grant the rights, licenses and authorizations you grant under these terms and conditions;
      2. you will only use the Ronads service to transact on your own account and not on behalf of any other person or entity;
      3. you will not use the Ronads service, directly or indirectly, for any fraudulent undertaking or in any manner so as to interfere with the use of the Ronads service;
      4. you are not subject to sanctions or otherwise designated on any list of prohibited or restricted parties or owned or controlled by such a party, including but not limited to the lists maintained by the government of Nigeria, the United Nations, the United States government, the United Kingdom, the European Union or its member states, or any other applicable government authority; and
      5. you will not directly or indirectly export, re-export or transmit any commodities, software or technology to any country, individual, corporation, organization, or entity to which such export, re-export, or transmission is restricted or prohibited, including any country, individual, corporation, organization, or entity under sanctions or embargoes administered by the government of Nigeria, the United Nations, the United States Departments of State, Treasury or Commerce, the European Union, the United Kingdom or any other applicable government authority.
  3. Limitations and exclusions of liability
    1. We will do our utmost to ensure that availability of the Ronads service will be uninterrupted and that transmissions will be error-free. However, due to the nature of the internet, this cannot be guaranteed. Your access to the Ronads service may from time to time be suspended or restricted to allow for repairs, maintenance, or the introduction of new facilities. We will attempt to limit the frequency and duration of any such suspension or restriction.
    2. Ronads will not be responsible for:
      1. any losses arising out of any event or events beyond our reasonable control;
      2. any business losses including (without limitation) wasted expenditure, loss or damage to profits, income, revenue, anticipated savings, business, contracts, commercial opportunities, or goodwill;
      3. any loss or corruption of any data, database or software;
      4. any special, indirect or consequential loss or damage; or
      5. any losses that were not caused by any breach on our part.
    3. Notwithstanding section 12.2 above, nothing in these terms and conditions limits or excludes our responsibility for liabilities that may not be excluded under applicable law.
  4. Indemnification
    1. You hereby indemnify us, and undertake to keep us indemnified, against any and all losses, damages, costs, liabilities and expenses (including without limitation legal expenses and any amounts paid by us to any third party in settlement of a claim or dispute) incurred or suffered by us and arising directly or indirectly out of any breach by you of any provision of these general terms and conditions or the Ronads policies.
  5. Term and termination
    1. The agreement between the parties governed by these terms and conditions enters into force on the date that you register for the Ronads service and continues in force unless and until terminated in accordance with the provisions of this section 14.
    2. You may terminate the agreement at any time by contacting us as and closing your Ronads account.
    3. We reserve the right to refuse service, terminate accounts or suspend accounts if you are in breach of applicable laws, these terms and conditions or any other applicable policies. We further reserve the right to refuse to provide or discontinue the Ronads service to any person at any time and for any reason.
    4. Upon the termination of the agreement for any reason:
      1. we shall close your Ronads account and return any funds due to you, to any account that you notify to us;
      2. neither Ronads nor any Ronads affiliate will have any obligation to you to store, retain, report, or otherwise provide any copies of, or access to, any records, documentation or other information in connection with your Ronads marketplace account, your Ronads account or the Ronads service; and
      3. in addition to any payment obligations under these terms and conditions, all other provisions of these terms and conditions that expressly or by implication are intended to come into or continue in force on or after termination of the agreement shall remain in full force and effect.
  6. Entire agreement
    1. These terms and conditions and our policies shall constitute the entire agreement between you and us in relation to your use of the Ronads service and shall supersede all previous agreements between you and us in relation to your use of the Ronads service.
  7. Hierarchy
    1. Should these terms and conditions and our policies be in conflict, these terms and conditions and our policies shall prevail in the order here stated.

 

  1. Variation
    1. We may modify these terms and conditions, any policy, or the features of the Ronads service from time to time.
    2. The revised terms and conditions or policy shall apply 7 days after communication to you by email or such other period as may be specified in the email or, in the absence of any email, the date of publication on the Ronads website or application.
    3. If you do not agree to any change to these terms and conditions, any policy or feature of the Ronads service, you may terminate these terms and conditions by contacting us and closing your Ronads account. You will be deemed to accept the changes if you do not close your Ronads account.
  2. No waiver
    1. No waiver of any breach of any provision of these terms and conditions shall be construed as a further or continuing waiver of any other breach of that provision or any breach of any other provision of these terms and conditions.
  3. Severability
    1. If a provision of these terms and conditions is determined by any court or other competent authority to be unlawful and/or unenforceable, the other provisions will continue in effect.
    2. If any unlawful and/or unenforceable provision of these terms and conditions would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect.
  4. Assignment
    1. You hereby agree that we may assign, transfer, sub-contract or otherwise deal with our rights and/or obligations under these terms and conditions.
    2. You may not without our prior written consent assign, transfer, sub-contract or otherwise deal with any of your rights and/or obligations under these terms and conditions.
  5. Third party rights
    1. A contract under these terms and conditions is for our benefit and your benefit, and is not intended to benefit or be enforceable by any third party.
    2. The exercise of the parties’ rights under these terms and conditions is not subject to the consent of any third party.
  6. Law and jurisdiction
    1. These terms and conditions shall be governed by and construed in accordance with the laws of Nigeria.
    2. Any disputes relating to these terms and conditions shall be subject to the exclusive jurisdiction of the courts of Nigeria.
  7. Our company details
    1. Ronads Digital Systems Solutions Ltd. is a company registered in Nigeria under registration number RC 6868848, and our registered office is at 10, Orita Challenge, Ibadan, Nigeria.
  8. Notices
    1. You can contact us by using the appropriate email address: [email protected]

 

    1. By registering for the Ronads service and accepting these terms and conditions, you consent to receive notices electronically from us. We may provide all communications and information related to the Ronads service and your Ronads account, in electronic format, either by posting to our website or application, or by email to the email address on your Ronads account. All such communications will be deemed to be notices in writing and received by and properly given to you.

 

 

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