Terms & Conditions
Last updated: 13-09-2024
Welcome to PayTransit
The PayTransit service, website and/or software application (collectively, the "Service") enables you to spend confidently at home and abroad with a PayTransit virtual debit card that"s accepted worldwide. It also enables you to pay bills and get a real-time virtual international account (USD, EUR, GBP) to receive funds into your wallet. The Service is operated by All Good Technologies Limited (“PayTransit”), subject to these Terms of Service (“Terms”).
Terms of service
This is a contract. These Terms constitute a contract between you and All Good Technologies Limited (‘PayTransit’). If you do not accept these Terms, please do not use the Service. By using any part of the Service, you accept these Terms. If you are under eighteen (18) years of age, you must not use the Service.
Registration of a Wallet Account with Valid Information
To use the Service, you must: (a) provide a valid mobile phone number; (b) agree that an account associated with such number be created; (c) accept the current Terms; and (d) agree to submit such other (and additional) information as PayTransit may request in line with regulatory/legal provisions. You agree to provide true, accurate, and complete information about yourself as prompted by PayTransit during the account registration process. You must ensure that any third-party information you provide to PayTransit has been authorized appropriately. You will be given the option of inputing a unique PIN for purposes of reusing your account. You are responsible for keeping your PIN secure at all times, without reservation. For the avoidance of doubt, PayTransit will not be responsible when/where you compromise your details by disclosing them to third parties.
Third-party Merchants Offer Goods & Services
The Service provides an opportunity to discover offers from independent third-party merchants (“Merchants”). These Merchants sell their respective Products subject to their own terms and conditions. For example:
Airtime: If you choose to purchase pre-paid airtime, you do so pursuant to the relevant terms and conditions of your mobile telecommunications provider.
Utilities: If you choose to purchase pre-paid electricity or water, you do so pursuant to the relevant terms and conditions of the utility provider.
If you decide to purchase Products such as these from third-party Merchants, you do so at your own risk and subject to the relevant Merchant’s terms and conditions. PayTransit does not investigate, monitor, or check the products for accuracy, reliability, appropriateness, or completeness. By granting you access to discover the Products via the Service, PayTransit does not imply approval or endorsement of such Products. You therefore agree that PayTransit is not responsible or liable for the Products you purchase from Merchants.
Payments are Processed by Third Parties:
To facilitate your purchases from Merchants, PayTransit has integrated its Service with the billing solutions of certain financial service providers. (“Payment Processors”). When you purchase a Product from a Merchant using your supported mobile money wallet or account or debit/credit card, payments will be processed by these Payment Processors. Payment Processors have their own terms and conditions governing your use of their payment services. You understand and agree that PayTransit does not process payments and is not responsible or liable for any transactions in which you engage. By engaging in a purchase transaction using your mobile money account or debit/credit card, you authorize the Merchant (or PayTransit on its behalf) to bill your account or card for the purchase amount.
Your Privacy is Important to Us:
PayTransit takes the matters of protection and security of its users’ information very seriously. PayTransit’s privacy policy governing the Service is attached to these Terms (“Privacy Policy”). The Privacy Policy is incorporated into these Terms by reference. By using the Service, you agree to the use of your data under PayTransit’s Privacy Policy. The Privacy Policy addresses only the personal information processed by PayTransit in providing the Service to you. Merchants and Payment Processors have their own information-gathering practices which apply when you choose to purchase their Products.
Product Inquiries Should be Submitted to the Relevant Merchant:
If you have any questions, concerns, or requests related to a Product you have purchased from a Merchant, please contact the Merchant directly or contact us at allgoodtechltd@gmail.com for assistance. Each Merchant maintains its own customer contact desk for handling such requests; however, PayTransit will do its best to assist you. If you wish to submit a complaint about the practices of a Merchant offering its Products via the Service, you may contact us by email at allgoodtechltd@gmail.com.
You Must Not Use the Service to Violate Any Laws:
You must not use the Service to violate or infringe the rights of any other person, including the rights of other users, PayTransit’s rights in the Service, or Merchants’ rights in their Products. You must not breach any laws or regulations when using the Service or attempt to disrupt or interfere with the security or functionality of the Service. If PayTransit reasonably suspects that you are using the Services for illegal activities (particularly fraud, money laundering, or other related illegalities), PayTransit reserves the right to block your account immediately without liability. Such illegalities as mentioned above may be due to enacted laws, court judgments, rulings, or pronouncements, or regulatory policies and guidelines to which PayTransit is bound. If a breach is associated with your account/wallet, you agree that we have the right to apply restrictions to your account/wallet and report to the appropriate law enforcement agencies or the respective regulator, in line with extant laws without informing you.
PayTransit May Contact You Regarding Your Account or the Service:
You expressly agree that, as part of the Service, you may, from time to time, receive communications from PayTransit via email, instant message, telephone, text message (SMS), or other means. You may elect to stop receiving promotional messages by emailing your request to opt-out, along with your cell phone number, to allgoodtechltd@gmail.com, or following the opt-out instructions in the message. Even if you choose to opt out of receiving promotional messages, you may not opt out of receiving service-related messages as these ensure that we are able to deliver accurate, relevant, sensitive, and security-related services to you.
PayTransit May Discontinue the Service:
PayTransit may, in furtherance of regulatory, time-sensitive, and security-related purposes, terminate your access to the Service or discontinue providing the Service or any part of the Service, with due notice to you [or without notice where the suspension or termination is necessary to prevent or address ongoing fraud, industry-wide compromise, or an ongoing financial crime-related investigation]. Rest assured that we will provide as much notice as the circumstance allows, and restore the Service at the earliest convenience. You agree that in the event of the foregoing, PayTransit will not be responsible or liable to you or any third party.
Limitation of Liability:
In no event shall PayTransit or its suppliers be liable for any direct, indirect, punitive, incidental, special, consequential damages, or any damages whatsoever arising out of, or in any way connected with the use or performance of the service, with the delay or inability to use the service, the provision of (or failure to provide services), or otherwise arising out of the use of the service, whether based on contract, tort, negligence, strict liability, or otherwise, even if PayTransit or any of its suppliers have been advised of the possibility of such damages.
Dispute Resolution:
This Agreement is governed by the laws of Nigeria. Any disputes concerning the interpretation, validity, or implementation of this Agreement not resolved by mutual agreement shall be submitted to mediation in Lagos, Nigeria. This does not prevent PayTransit from seeking injunctive relief from a court to protect its intellectual property rights.
Modifications to the Terms:
PayTransit may modify these Terms and related policies at any time. By continuing to use the Service after such modifications, you agree to be bound by the latest version of these Terms. It is your responsibility to stay informed of these changes.
Alteration, Whole Agreement, Waiver, and Survival
Alteration: Any alteration to this agreement must be directed by us to be effective.
Whole Agreement: This Agreement constitutes the entire agreement between the parties.
Waiver: No indulgence shown by PayTransit shall be considered a waiver of its rights.
Survival: If any provision of this Agreement is deemed invalid, the remaining provisions shall continue in full force.
Registration of a Wallet Account with Valid Information
To use the Service, you must: (a) provide a valid mobile phone number; (b) agree that an account associated with such number be created; (c) accept the current Terms; and (d) agree to submit such other (and additional) information as PayTransit may request in line with regulatory/legal provisions. You agree to provide true, accurate, and complete information about yourself as prompted by PayTransit during the account registration process. You must ensure that any third-party information you provide to PayTransit has been authorized appropriately. You will be given the option of inputing a unique PIN for purposes of reusing your account. You are responsible for keeping your PIN secure at all times, without reservation. For the avoidance of doubt, PayTransit will not be responsible when/where you compromise your details by disclosing them to third parties.
Third-party Merchants Offer Goods & Services
The Service provides an opportunity to discover offers from independent third-party merchants (“Merchants”). These Merchants sell their respective Products subject to their own terms and conditions. For example:
Airtime: If you choose to purchase pre-paid airtime, you do so pursuant to the relevant terms and conditions of your mobile telecommunications provider.
Utilities: If you choose to purchase pre-paid electricity or water, you do so pursuant to the relevant terms and conditions of the utility provider.
If you decide to purchase Products such as these from third-party Merchants, you do so at your own risk and subject to the relevant Merchant’s terms and conditions. PayTransit does not investigate, monitor, or check the products for accuracy, reliability, appropriateness, or completeness. By granting you access to discover the Products via the Service, PayTransit does not imply approval or endorsement of such Products. You therefore agree that PayTransit is not responsible or liable for the Products you purchase from Merchants.
Payments are Processed by Third Parties:
To facilitate your purchases from Merchants, PayTransit has integrated its Service with the billing solutions of certain financial service providers. (“Payment Processors”). When you purchase a Product from a Merchant using your supported mobile money wallet or account or debit/credit card, payments will be processed by these Payment Processors. Payment Processors have their own terms and conditions governing your use of their payment services. You understand and agree that PayTransit does not process payments and is not responsible or liable for any transactions in which you engage. By engaging in a purchase transaction using your mobile money account or debit/credit card, you authorize the Merchant (or PayTransit on its behalf) to bill your account or card for the purchase amount.
Your Privacy is Important to Us:
PayTransit takes the matters of protection and security of its users’ information very seriously. PayTransit’s privacy policy governing the Service is attached to these Terms (“Privacy Policy”). The Privacy Policy is incorporated into these Terms by reference. By using the Service, you agree to the use of your data under PayTransit’s Privacy Policy. The Privacy Policy addresses only the personal information processed by PayTransit in providing the Service to you. Merchants and Payment Processors have their own information-gathering practices which apply when you choose to purchase their Products.
Product Inquiries Should be Submitted to the Relevant Merchant:
If you have any questions, concerns, or requests related to a Product you have purchased from a Merchant, please contact the Merchant directly or contact us at allgoodtechltd@gmail.com for assistance. Each Merchant maintains its own customer contact desk for handling such requests; however, PayTransit will do its best to assist you. If you wish to submit a complaint about the practices of a Merchant offering its Products via the Service, you may contact us by email at allgoodtechltd@gmail.com.
You Must Not Use the Service to Violate Any Laws:
You must not use the Service to violate or infringe the rights of any other person, including the rights of other users, PayTransit’s rights in the Service, or Merchants’ rights in their Products. You must not breach any laws or regulations when using the Service or attempt to disrupt or interfere with the security or functionality of the Service. If PayTransit reasonably suspects that you are using the Services for illegal activities (particularly fraud, money laundering, or other related illegalities), PayTransit reserves the right to block your account immediately without liability. Such illegalities as mentioned above may be due to enacted laws, court judgments, rulings, or pronouncements, or regulatory policies and guidelines to which PayTransit is bound. If a breach is associated with your account/wallet, you agree that we have the right to apply restrictions to your account/wallet and report to the appropriate law enforcement agencies or the respective regulator, in line with extant laws without informing you.
PayTransit May Contact You Regarding Your Account or the Service:
You expressly agree that, as part of the Service, you may, from time to time, receive communications from PayTransit via email, instant message, telephone, text message (SMS), or other means. You may elect to stop receiving promotional messages by emailing your request to opt-out, along with your cell phone number, to allgoodtechltd@gmail.com, or following the opt-out instructions in the message. Even if you choose to opt out of receiving promotional messages, you may not opt out of receiving service-related messages as these ensure that we are able to deliver accurate, relevant, sensitive, and security-related services to you.
PayTransit May Discontinue the Service:
PayTransit may, in furtherance of regulatory, time-sensitive, and security-related purposes, terminate your access to the Service or discontinue providing the Service or any part of the Service, with due notice to you [or without notice where the suspension or termination is necessary to prevent or address ongoing fraud, industry-wide compromise, or an ongoing financial crime-related investigation]. Rest assured that we will provide as much notice as the circumstance allows, and restore the Service at the earliest convenience. You agree that in the event of the foregoing, PayTransit will not be responsible or liable to you or any third party.
Limitation of Liability:
In no event shall PayTransit or its suppliers be liable for any direct, indirect, punitive, incidental, special, consequential damages, or any damages whatsoever arising out of, or in any way connected with the use or performance of the service, with the delay or inability to use the service, the provision of (or failure to provide services), or otherwise arising out of the use of the service, whether based on contract, tort, negligence, strict liability, or otherwise, even if PayTransit or any of its suppliers have been advised of the possibility of such damages.
Dispute Resolution:
This Agreement is governed by the laws of Nigeria. Any disputes concerning the interpretation, validity, or implementation of this Agreement not resolved by mutual agreement shall be submitted to mediation in Lagos, Nigeria. This does not prevent PayTransit from seeking injunctive relief from a court to protect its intellectual property rights.
Modifications to the Terms:
PayTransit may modify these Terms and related policies at any time. By continuing to use the Service after such modifications, you agree to be bound by the latest version of these Terms. It is your responsibility to stay informed of these changes.
Alteration, Whole Agreement, Waiver, and Survival
Alteration: Any alteration to this agreement must be directed by us to be effective.
Whole Agreement: This Agreement constitutes the entire agreement between the parties.
Waiver: No indulgence shown by PayTransit shall be considered a waiver of its rights.
Survival: If any provision of this Agreement is deemed invalid, the remaining provisions shall continue in full force.
PayTransit is a product of All Good Technologies Limited (RC 7584451). We Operate as a financial technology company and not a bank. Our range of offerings and services are made available through collaborative ventures with authorized transmitters and banking counterparts within their specific legal domains.
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