ZUUMPAY TERMS AND PRIVACY OF SERVICES

OUR SERVICES AND CONTENT (information, functions and operations) ARE PROVIDED BY US (AND OUR LICENSORS AND SUPPLIERS) ON AN "AS-IS" BASIS, WITHOUT ANY WARRANTIES WHATSOEVER, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR THE USE OF OUR SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE. SOME NATIONS AND STATES DO NOT ALLOW LIMITATIONS ON HOW LONG AN IMPLIED WARRANTY LASTS, SO THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

Welcome to ZuumPay (www.zuumpay.com). Kindly find below the terms and rules that governs our payment community with the use of our applications (mobile and web), and all financial services here in. for any concerns, complaints, enquires or need of support, write us at [email protected].com and to comment or communicate with us regarding operation in your location or need of any additional services, write us at [email protected].

These terms are a binding contract between ZuumPay Inc. (www.zuumpay.com and applications) and her users (here in referred to as users, clients, or merchants). By signing up for a ZuumPay account, you are accepting to user our applications, services and thus agreeing to the below listed terms as presented by ZuumPay Inc.

With increase in technology, we keep looking for easier, secured, fast, and advance services for your day to day financial use. ZuumPay therefore reserves the right to change, add, and update these terms to tailor the ever increasing improvements and additional services offered both now and in the future.

We will constantly update you on the updated terms of using ZuumPay and its services. Should any terms in anyway be unacceptable to you, please feel free to contact us at [email protected] and our legal team will get you, and if it’s beyond our control to tailor a need for your singular consumption, then we will be sorry to see you stop using ZuumPay and associate services.

Every terms needed to consume ZuumPay services is herein listed, any modification (s) to be done will only be done by the legal team of ZuumPay Inc. and ZuumPay alone.

ZuumPay Inc Services;

ZuumPay is a global cashless mobile payment and borderless financial solution. ZuumPay offers the following services.

  • Mobile Payment
  • Cross border Remittances
  • Instant Merchant payments
  • Online payments
  • Transactional Services
  • Bill payments
  • School fees and Salaries
  • ZuumCard (VISA)
  • ZuumPay developer API

These services will be operated on the ZuumPay Network (made up of mobile and web applications, POS systems and Over the counter Payment systems OCT).

Requirement to Use ZuumPay Services

To create and manage your personal ZuumPay account, all we required is your legal information, state issue mobile number to have you unique ZuumPay Account ID.

To maximize the secured fast services of ZuumPay, you will be required to offer some legal information. Under the Foreign Account Tax Compliance Act (FATCA), all foreign financial institutions are obliged to report financial accounts held by US Tax payers or foreign entities in which U.S. taxpayers hold a substantial ownership interest.

  • FULL LEGAL NAMES
  • VERIFIED PHONE NUMBER AND EMAIL
  • SEX AND DATE OF BIRTH
  • COUNTRY AND CITY
  • PROFESSIONAL STATUS
  • HOME ADDRESS
  • IDENTIFICATION DOCUMENTS
  • LAST 4 DIGITS OF SOCIAL SECURITY NUMBER FOR US CITIZENS

In order to comply to this act we kindly require all users with the above criteria to provide the following information, to set up their free account (legal names, place and date of birth, contact information, email) and a legal identification document (National ID, Passport, or Drivers license).

You will then need to verify your account by providing the verification code sent to you via SMS. Once you account is verified, you will be issued a ZuumPay wallet ID number (this number will be used for your payments, withdrawals, payment requests), this will now allow you to set up your five (5) digit private pin code which will allow you to access your account.

For your account to be ready for use, you have to do a onetime security deposit two thousand central African francs (2000 XAF) or its equivalent in dollars $3.40 or any other currencies.

How about User Privacy

ZuumPay is created as a global cross border payment and financial transaction system, this requires we give high concerns on our users security and privacy. ZuumPay is operating on encrypted technologies, secured HTTPS security, we meet level 1 PCI compliance for your card information security, and employ the best security software.

Our services are redistricted to users below the ages of 16 worldwide with or without parental guidance until so updated. We will be complying with some international requirements like to ease international transactions without friction. For more on user privacy, click here (www.zuumpay.com/policies/terms).

What We Require From You

By using our services, you are agreeing that you won’t use or try to use ZuumPay in any form that will affect its reputation. ZuumPay Trustchain Technology Model alerts us to cases of fraud, mal-practice, and our moderating community works on cases of complaints and refunds,

Note: Any attempt of mal-practice will lead to suspension, freezing and deletion of your wallet which can lead to lose of any funds there in.

You are also accepting that you will not use our services in a way that:

  • Will support tourism or extremism in any form;
  • Will violates any laws and regulations of any country in which we operate in;
  • Will jeopardizes the security of your ZuumPay account or anyone else's (sharing your private PIN, allowing someone else to log in to our Services impersonating you,);
  • You will not attempt to access another users wallet, crack password, security codes or devices operating ZuumPay;
  • Will infringe the intellectual property rights of ZuumPay, or any other party involve in the ZuumPay ecosystem;
  • You will not phish, crawl, spam, or hack ZuumPay or another users account by luring them with any computer virus of any kind;
  • You will not attempt to reverse engineering, copy the source code or the operating system of ZuumPay
  • You won’t copy, download or reproduce the contents and materials shared on ZuumPay (that includes but not limited to; Images, articles and documents, graphics illustrations, Videos , text and data) without the consent of the owner of said content (INCLUDING US). You agree to observe all restrictions, copyright notices, trademarks rules and other intellectual property laws here related to ZuumPay and all its services.

Failure to comply with any of the above listed expectations will be met with swift and immediate action from ZuumPay administrators, moderators and legal team.

Where Can ZuumPay Be Used

ZuumPay’s services are created with an ecosystem which is intended to be consumed by people from around the globe. Our services will only be limited to countries FDA restricted countries and on their users utilizing foreign solutions. This will be managed by ZuumPay Inc. as we intend to connect everyone worldwide who wants to use our services.

United States citizens on the other hand are required to submit and provide additional information as is required by the U.S government when their citizens are using international financial services. We urge ALL UNITED STATES CITIZENS AND USERS of ZuumPay to comply under the Foreign Account Tax Compliance Act (FATCA), which requires that all foreign financial institutions are obliged to report financial accounts held by US Tax payers or foreign entities in which U.S taxpayers hold a substantial ownership interest.

In order to comply to this act we kindly require all users with the above criteria to provide the following information.

Therefore as a U.S citizen you must declare;
“I hereby declare (I am a US Citizen, I am a US resident Alien, I am a US tax person for any other reason” and provide the following information to setup your account;

  1. Street Address
  2. Proof of residence (Upload bank statement, or utility bill such as water, electricity or internet, certificate of residence)
  3. Postal Code
  4. ID Document
    1. Identification type (National ID, Password, Green Card)
    2. Upload front image of ID
    3. Upload back image of ID
    4. ID Documentation Number
    5. Input issue and expiry date

ZuumPay restricts its services to Areas of terrorism and for its services to be used for any illegal or act of terrorism by any user.
NOTE: To be a holder of the ZuumPay Debit VISA Card requires you produce some legal information to the ZuumPay card issuer. This information is Legal Names, Identification document and Number, Address of the Cardholder.

USER ACTIVITY

The services offered by ZuumPay are accessible and available to every user permitted they provide the data required to grant them access to that particular service with an Active ZuumPay Wallet.

ZuumPay offers a range of services to satisfy different consumer needs and these services require certain information to be accessed by the user. Some of the added data needed are mostly for third party licensed technology (Credit Card or Mobile Money).

NOTE: You are advised to use and access ZuumPay only from devices that you control and own such. Your secret PIN is key to your security and we trust you to join us secure and guide your account. In case of lost or thievery of your device, the ZuumPay App is programmed to automatically lock out any user and can only be accessed again by providing your secret PIN.

Also, your ZuumPay Debit Card (ZuumVISA), is unlike the normal cards linked directly to your account. You will have the sole access and control of funds loaded to your card thus you can load and unload your card at any time. Card replacement will require extra fees.

RESPONSIBILITY OF ACCOUNT ACTIVITY

ZuumPay only acts as a “TOOL”, therefore you are responsible for every transaction, information or content shared between you and the recipient of that particular data. ZuumPay Inc. isn’t liable for any misuse, misinterpretation, omission originating from that information.

We are here to ensure you perform and carryout secured transactions and to only act should one party misuse or violate our services, terms and policies. Therefore, you hereby release us for any damage that results from your utilization of any content between you and your connection as we are not liable to that damage. You will keep all your registration information accurate and current. You are responsible for all your activity in connection with our Services.

COMPLAINTS AND DISPUTES

We are building a secured and trust worthy global ecosystem and by signing up for an Active ZuumPay wallet (Website; https://www.zuumpay.com and Mobile Apps) and utilizing our services you abide to maintain and practice those same terms. Therefore ZuumPay reserves the right to step in and moderate any dispute between its users in regards to any misconducts and fraud related cases. There are two types of complains we attend to;

  1. Complain about ZuumPay
  2. Complain about fraudulent transaction with another member

Should you a verified user have a complain that requires resolution, go to the “Settings of your App and click on the Complaint button and present the following information;

  • Title your Complain
  • Select the category from the list
  • Add Images of you Complain
  • Add a text

Once your complaint is received by the committee, an instant action will be taken to resolve the complaint.
NOTE: some of the services running on ZuumPay may contain links that will take you out of the ZuumPay apps into a third party websites, or services. These websites operate by their own terms and services and by using them you are accepting any risk related with that service. Therefore make sure you understand the conditions as any risk you incur on those services or its transactions is accountable.

ZuumPay does not control nor is it responsible for the transactions, services, information, privacy policy, and content of those sites.
In addition, we will not and cannot verify, censor, monitor, improve or update the services of any third party site you interact with outside ZuumPay. Therefore you do not hold us liable for any and all risks involve in your contact with such third party sites, or services.

DISCLAIMER: We are not liable for the terms and service or any operation and transaction you perform outside of ZuumPay.

COST OF USING ZUUMPAY

To own a ZuumPay Account is free but rather you have a 1 time SECURITY DEPOSIT of $3.50 (2000 FCFA); this security deposit instantly activate and give YOU the user instant and complete access to the features of ZuumPay for global use plus a unique referral link. This link will allow connecting and adding your loved ones and friends to the ZuumPay ecosystem and lets you benefit referral bonuses on each member that signs up for an account and other benefits.

With our core service being Mobile Payments, and cross border financial transactions, ZuumPay bills is commission rate or in some cases a fixed transaction fee per transaction. But to perform other transactions on ZuumPay such as transfers, withdrawal, a zero to 1 percent commission will be charged. Buying crypto currency will require a 2.5% commission on both purchase and sales on www.zuumyay.com and its applications.

ZUUMPAY SERVICE UPDATES AND TERMINATION

The continues evolution of technology and our mission to offer to you new, simplified and faster ways to perform your daily transactions is at a continues rise. To meet up or challenge this evolution, ZuumPay is subject to develop and release more advances services and features to its services and applications.

  1. ZuumPay Service Updates;

    We continue to look for better, easy and more innovative ways to serve our users, this will require that we update and change certain services to meet our vision and mission. ZuumPay Inc. reserves the right to add, suspend, innovate, or change a service or its operation. We will notify you before any such changes are made so as to not let you be surprised.

  2. ZuumPay Service Termination;

    With a customized service such as ZuumPay, we offer you the power to control and manager your finances as you see fit. A registered user of ZuumPay can delete or suspend their account at any time they want, deal and transact in any volume with the USER ACESS PERMISSIONS. Account termination may result in destruction of any Content associated with your account, so keep that in mind before you decide to terminate your account.

    To delete or deactivate your account;
    1. Log into your ZuumPay account
    2. Open settings
    3. Click on delete account to completely delete your account or Deactivate to suspend your account till you reactivate it.
    4. Click on I Accept to complete process

ZuumPay reserves the right to suspend or delete a user’s account at anytime they see fit. This will only happen should another user(s) complaint about other users. Or should a user violate any of the terms and policy privacies of ZuumPay.

INDEMNITY.

To the fullest extent allowed by applicable law, you agree to indemnify and hold us and our affiliates, officers, agents, employees, and partners harmless from and against any and all claims, liabilities, damages (actual and consequential), losses, and expenses (including attorneys' fees) arising from or in any way related to any third party claims relating to (a) your use of our Services (including any actions taken by a third party using your account), and (b) your violation of these Terms. In the event of such a claim, suit, or action ("Claim"), we will attempt to provide notice of the Claim to the contact information we have for your account (provided that failure to deliver such notice shall not eliminate or reduce your indemnification obligations hereunder).

CHOICE OF LAW; ARBITRATION.

You agree that these Terms are governed by and will be construed under the laws of the State of TEXAS, without regard to the conflicts of law’s provisions thereof. You also agree that any dispute arising from or relating to the subject matter of these Terms shall be finally settled in Natrona County, Wyoming in English, in accordance with the Streamlined Arbitration Rules and Procedures of Judicial Arbitration and Mediation Services, Inc. ("JAMS") then in effect, by one commercial arbitrator with substantial experience in resolving intellectual property and commercial contract disputes, who shall be selected from the appropriate list of JAMS arbitrators in accordance with such Rules. Judgment upon the award rendered by such arbitrator may be entered in any court of competent jurisdiction. Notwithstanding the foregoing obligation to arbitrate disputes, each party shall have the right to pursue injunctive or other equitable relief at any time, from any court of competent jurisdiction. For all purposes of this Agreement, the parties consent to exclusive jurisdiction and venue in the state or federal courts located in, respectively, Natrona County, Wyoming. Any arbitration under these Terms will take place on an individual basis: class arbitrations and class actions are not permitted. YOU UNDERSTAND AND AGREE THAT BY ENTERING INTO THESE TERMS, YOU AND SPEND.COM ARE EACH WAIVING THE RIGHT TO TRIAL BY JURY OR TO PARTICIPATE IN A CLASS ACTION.

APPLE SPECIFIC TERMS AND CONDITIONS

In addition to your agreement with the foregoing terms and conditions, you acknowledge and agree to the following provisions with respect to your use of the iPhone, iPad or iPod Touch compatible version of the licensed Spend.com Mobile Application (also called the "Licensed Application"). This Licensed Application is an agreement between you and us. Our Licensed Application is available to our eligible consumer credit card members. Apple Inc. ("Apple") is not a party to the Spend.com Mobile App Terms of Use agreement and does not own and is not responsible for the Licensed Application. Apple is not providing any warranty for the Licensed Application, except if applicable, to refund the purchase price for it. Apple is not responsible for maintenance or other support services for the Licensed Application and shall not be responsible for any other claims, losses, liabilities, damages, costs or expenses with respect to the Licensed Application, including, without limitation, any third party product liability claims, claims that the Licensed Application fails to conform to any applicable legal or regulatory requirement, claims arising under consumer protection or similar legislation, and claims with respect to intellectual property infringement. Any inquiries or complaints relating to the use of the Licensed Application, including those pertaining to intellectual

property rights, must be directed to us at the address provided in the 'Contact Us' section of the Licensed Application.

  1. The license you have been granted herein is limited to a nontransferable license to use the Licensed Application on any iPhone, iPad or iPod Touch device that you own or control, as permitted by the Usage Rules set forth in the App Store℠ Terms of Service. In addition, you agree to comply with the
    terms of any third party agreement that is applicable to you when using the Licensed Application, such as your wireless data service agreement. You hereby represent and warrant You are not located in a country
    that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a "terrorist supporting" country; and
  2. You are not listed on any U.S. Government list of prohibited or restricted parties. You acknowledge and agree that Apple and Apple's subsidiaries are third party beneficiaries of this Terms of Use agreement and that, upon your acceptance of the terms and conditions of this Terms of Use agreement, Apple will have the right (and will be deemed to have accepted the right) to enforce this Terms of Use agreement against you as a third party beneficiary thereof.

Apple, iPhone, iPad and iPod Touch are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Watch is a trademark of Apple Inc. App Store is a service mark of Apple Inc.

ALPHABET (GOOGLE/ANDROID) SPECIFIC TERMS AND CONDITIONS

In addition to your agreement with the foregoing terms and conditions, you acknowledge and agree to the following provisions with respect to your use of the Android compatible version of the licensed www.zuumpay.com Mobile Application (also called the "Licensed Application").

This Licensed Application is an agreement between you and us. Our Licensed Application is available to our eligible consumer debit card members. Alphabet Inc. ("Alphabet") is not a party to the Alphabet is not providing any warranty for the Licensed Application, except if applicable, to refund the purchase price for it. Alphabet is not responsible for maintenance or other support services for the Licensed Application and shall not be responsible for any other claims, losses, liabilities, damages, costs or expenses with respect to the Licensed Application, including, without limitation, any third party product liability claims, claims that the Licensed Application fails to conform to any applicable legal or regulatory requirement, claims arising under consumer protection or similar legislation, and claims with respect to intellectual property infringement. Any inquiries or complaints relating to the use of the Licensed Application, including those pertaining to intellectual property rights, must be directed to us at the address provided in the 'Contact Us' section of the Licensed Application.

The license you have been granted herein is non-exclusive, worldwide, and perpetual to perform, display, and use the Licensed Application on the device. In addition, you agree to comply with the terms of any third party agreement that is applicable to you when using the Licensed Application, such as your wireless data service agreement.

You hereby represent and warrant

  • you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a "terrorist supporting" country; and
  • You are not listed on any U.S. Government list of prohibited or restricted parties.

You acknowledge and agree that Alphabet and Alphabet's subsidiaries are third party beneficiaries of this Terms of Use agreement and that, upon your acceptance of the terms and conditions of this Terms of Use agreement, Alphabet will have the right (and will be deemed to have accepted the right) to enforce this Terms of Use agreement against you as a third party beneficiary thereof. Alphabet, Google, Google Play, Android and other marks are trademarks of Alphabet Inc., registered in the U.S. and other countries.

JURISDICTION

We make no representation that the Website and Applications operates (or is legally permitted to operate) in all geographic areas or that the Website, Applications, or information, services or products offered through the Website are appropriate or available for use in other locations. Accessing the Website from territories where the Website or any content or functionality of the Website or portion thereof is illegal is expressly prohibited. If you choose to access the Website, you agree and acknowledge that you do so, on your own initiative and at your own risk and that you are solely responsible for compliance with all applicable laws.

Warranty Disclaimer.

Neither ZuumPay Inc (and our services), 3rd party services, our licensors or suppliers make any representations or warranties concerning any transaction, Content or service accessed through our Services, and we will not be responsible or liable for the terms, services, copyright compliance, legality, or decency of material contained in or accessed through our Services. We (and our licensors and suppliers) make no representations or warranties regarding suggestions or recommendations of services or products offered or purchased through our Services