Privacy of usage

TERMS OF SERVICE

These Terms of Service is a contract between you and Wired Banking Africa (referred to in these Terms of Service as “WBA”, “us”, “we”, or “our”), the provider of the WBA website, and the services accessible from the WBA website (which are collectively referred to in these Terms of Service as the “Wired Banking Africa”)

You accept that these terms of service will apply to you. Please refrain from using the WBA Service if you disagree with our terms of service. “You” refers to the individual, client, and/or organization you represent in these Terms of Service. Suppose you violate any of these Terms of Service. In that case, we reserve the right to suspend your account or block access to your account without notice.

  1. YOUR ACCOUNT

1.1 Eligibility: Your account must be registered by a human. Accounts registered by “bots” or other automated methods are not permitted. Additionally, you must be 18 years and above.

1.2 Registration Information: During the registration process, you must supply a working permanent email address, a working phone number, your BVN (for Nigerian merchants) or NIN (for foreign merchants), as well as any additional information the WBA compliance team may request during kyc. A single person or company is only permitted to have one account.

1.3 Restrictions: You agree not to use the WBA service in or for any illegal, unauthorized or improper manner or purpose and agree that the WBA Service will only be used in a way that complies with all applicable laws, rules, and regulations, including all appropriate state, federal and international internet, data, telecommunications, telemarketing, “spam”, and import/export laws and regulations. Without limitation, you agree that you will not breach this restriction by:

  •  Violating or infringing on the rights of any third party, including without limitation any intellectual property rights, privacy rights, or publicity rights; disseminating material that is obscene, offensive, fraudulent, deceptive, defamatory, threatening, harassing, abusive, slanderous, hateful, or causes embarrassment to any third party as determined by WBA in its sole discretion; or purposefully misrepresenting your identity, impersonating someone else
  • Disseminate any material that would expose us or any related third party to liability.
  1. PAYMENT | SUBSCRIPTION

A valid credit card is required for automated recurring payments. Payment may also be made via Wallet or bank transfer, or other payment methods that may be enabled from time to time.

  1. DISPUTE AND REFUND

When a Transaction is performed, and the recipient did not receive value, this can be due to the provider network or internal error. You are to engage the WBA team with your reference ID after twenty-four (24) hours of the transaction. Resolution or concern should be resolved within the end of the business day. If not successful, payment will be refunded to your account.

  1. INFLOW, INWARD PAYMENT REFUNDABLE

When a transfer is made to you, or you received payment from a third-party bank, and we were engaged from the source account provider (bank) stating the funds are illegitimate or fraudulent, funds will be held, and an internal investigation will commence. If this turns out to be accurate, funds will be reversed or refunded back to the origin, multiple report of such transaction will lead to suspension of merchant account without notice for due diligence and compliance purpose.

  1. SUBSCRIPTION

When a new business onboard, the following will occur:

  • The business will be allowed to test the solution within three working days (72 hours), which is referred to as a free trial period. If it meets the business need, a one-time onboarding fee and monthly recurring subscription fee are required to go live which is stated on our website; https://wbalite.om/pricing.
  • Onboarding fees are non-refundable as other third-party services are involved.
  • Subscriptions are refundable; subject to review, if it meets our internal policy within three (3) working days.
  1. REFUNDABLE AND NOON- REFUNDABLE

Here are the situations in which you can expect us to give a refund:

  • The platform is “not as described
  • The platform does not work the way it should, as stated in the video or live demo.
  • The platform has not been activated after setup fee and subscription fee has been paid.
  1. Non-refundable

Suppose the platform is materially similar to the description and preview and works the way it should. In that case, there is generally no obligation to provide a refund in situations like the following:

  • You do not want it after you’ve activated your account.
  • You changed your mind.
  • You paid and activated your account by mistake.
  • You do not have sufficient expertise to use the platform.
  • You did not receive support on time.
  • You can no longer access our API
  • Our platform is not accessible on your device.
  1. TERMS AND TERMINATION

At least five (5) days before the expiration of the Initial Service Period, the Customer may renew for a month or one (1) year term unless one party provides the other party with written notice of termination. If the customer does not renew before the expiration of the Initial Service Period, all Support Services will be terminated.

Your WBA or WBL account will be temporarily suspended, and access to the service will be denied for B2B – B2C. However, during this phase, your data is safe and backup and can be accessed when you renew.

  1. SECURITY BREACH
  • Internal Breach: You are solely responsible for taking corrective action in the event of an internal security breach, as that term is defined by applicable law, caused by an employee, contractor, or agent of yours, or as a result of your failure to maintain your systems, network, or data in a secure manner. You must also notify Wired Banking Africa right away of the breach and the steps you intend to take to address it. To protect you, us, the service, or other third parties from harm, we reserve the right to take any action, including suspending your access to the service. You give up the right to sue us for any losses you sustain as a result of our activities.
  • External Breach: In the event that a security breach, as defined by applicable law, is caused by a person other than an employee, contractor, or agent of yours, Wired Banking Africa will: (a) initiate remedial actions that are compliant with applicable law and consistent with industry standards; and (b) notify you of the security breach, its nature and scope, the remedial actions Wired Banking Africa will take, and the timeframe within which Wired Banking Africa will complete them.
  1. DATA PROTECTION

The parties herein agree to strictly comply with all applicable privacy and data protection laws, such as the Nigeria Data Protection Regulation, as well as all other applicable regulations and directives in collecting, using, processing, handling, and transferring any the confidential information disclosed by a party in connection with the service, which may contain any personal data. Each party agrees to fully indemnify the other party if there is any breach of any applicable laws concerning privacy and data protection laws by such party.

  1. AMENDMENTS

This privacy and cookie policy may be amended from time to time consistent with the requirements of the General Data Protection Regulation. We will post any revised policy on this website.

  1. NIGERIA DATA PROTECTION REGULATION

Under the Nigeria Data Protection Regulation 2019 (NDPR), there are certain occasions when Wired Banking Africa must obtain your explicit consent to use your information, known as ‘Personal Data’. Personal Data includes but is not limited to your name, address, telephone number, email address, card details, and Bank Verification Number (BVN).

We shall hold and use your information for the purposes set in the Data Processing Notice, which requires consent under the Privacy Policy. You shall grant Wired Banking Africa consent to collect your name, official Government ID Number (ID Number), and photo image.

Details Collection

Wired Banking Africa may share this information with a third-party service provider to validate it against a government source. The third-party service provider may use your ID Number to gather your additional data, such as:

  • Full Name
  • Date of Birth
  • ID Number
  • Image
  • Address
  • Phone Number
  • Gender

This data helps confirm your identity and may be processed or stored outside the borders of Nigeria.

  1. WARRANTIES, DISCLAIMERS, AND EXCLUSIVE REMEDIES
    12.1 Wired Banking Africa warrants that support services will be provided in a professional manner consistent with industry standards. Customer must notify WBA of any service deficiencies within two (2) days (48) from performance of the defective services.

WBA does not guarantee that the software will perform error-free or uninterrupted or that WBA will correct all software errors immediately.

12.2 for any breach of the above warranties, customer’s exclusive remedy and WBA’s entire liability shall be: (a) the correction of software errors that cause breach of the warranty; or, if WBA cannot substantially correct such breach in a commercially reasonable time frame, customer may end the services period and recover a prorated portion of any maintenance fees prepaid to WBA; or (b) the reperformance of the deficient support services.

To the extent permitted by law, these warranties are exclusive
and there are no other express or implied warranties or conditions including warranties or conditions of merchantability and fitness for a particular purpose.

  1. ABUSE AND MISUSE OF SUPPORT
    Abuse to WBA support platforms in the form of spam, unsolicited contents, submission of requests in multiple-duplicates, use of “offensive or abusive” contents and other similar abuses are prohibited. WBA reserves the right to terminate access to its entire or part of support platform on the bases of abuse, with or without notice
  2. MISCELLANEOUS PROVISIONS
    14.1 confidentiality. Neither party will disclose any support services-related terms, conditions, and/or fee amounts to any third party, unless required to do so by order of any court or governmental authority of competent jurisdiction.

14.2 binding. No assignment. This agreement shall be binding upon and inure to the benefit of the parties and their successors, permitted assigns, and legal representatives. Customer may not assign, sublicense, or otherwise transfer the support services unless in conjunction with a transfer of the software.

14.3 language. This agreement has been agreed to only in the english language. This english language version will control regardless of whether any translations of this agreement have been prepared or exchanged. Customer acknowledges and represents that it has carefully reviewed this agreement with the involvement and assistance of your employees, advisors, and/ or legal counsel fluent in the english language, that it has consulted with local legal counsel and counsel competent to render advice with respect to transactions governed by the law applicable to this agreement, that it has no questions regarding the meaning or effect of any of this agreement’s terms, and that it has obtained high-quality translations of this agreement for use by customer or any of customer’s team who are not fluent in the english language, with the understanding that customer alone will bear the risk of any misunderstandings that may arise as a result of such translation. All communications in connection with this agreement will be in the english language.

14.4 notices to WBA. Any notices to WBA under this agreement must be in writing and either delivered in person, sent by email, or first class mail (if within the united states), or sent by air courier to the address set forth below. Notices will be considered to have been given at the time of actual delivery in person, five (5) business days after deposit in the mail, or two business (2) days after delivery to an air courier service or confirmation of email receipt.

  1. PUBLICITY

The Customer agrees that WBA may disclose that the Customer is using the WBA Software for the Customer’s business operations. In this regard, WBA may use the Customer’s name, trade mark, trade name, service mark, and logo (collectively referred to as the trademarks) to identify the Customer as a WBA client on the marketing information, either on the WBA website or elsewhere.

 All rights reserved. Made by Wobilo Africa Limited

 All rights reserved. Made by Wobilo Africa Limited

Wired Banking Africa is a registered trademark of Wobilo Africa Limited with RC No: 1732793 a duly registered legal entity. All Virtual Payment services are powered by Our Partner Banking; Providus Bank licensed by the Central Bank of Nigeria. WBALite financial services is provided under a MFI & Cooperative License regulatory provision with registration number *RC:34343*.