Terms and conditions of usage
1. INTRODUCTION
1.0. Chikesoft and its associative software products is a platform which gives you the easiest and most convenient access to digital payments, transfers , wallet funding and bills payment, for everyday usage through third party merchants’ services. Chikesoft Services is a CAC registered business agency, with official address at Shop BB9, World Trade Center, Unizik Temp. Site Junction, Awka, Anambra State.
1.1. These terms and conditions shall govern the use of all software applications developed by Chikesoft Services via our web, USSD and/or mobile applications, API, widget and related services.
1.2. By accessing or using our software applications, you agree to be bound by these Terms and Conditions.
1.3. If you disagree with any part of these Terms and Conditions then you may not use our website and/or any of our software applications.

2. AGE RESTRICTION/MINOR
2.0. Our services are not targeted towards nor intended for use by, anyone under the age 18, if you are under the age of 18, you are not permitted to use our software applications and/or services

3. LICENSE TO USE WEBSITE AND/OR SOFTWARE APPLICATIONS
3.0. Unless otherwise stated, Chikesoft Services own the intellectual property rights in every of our software applications and our website materials.
3.1. Subject to the terms below, all these intellectual property rights are reserved. You may view, download for caching purposes only, and print pages from the our website and/or software applications for your own personal use, subject to the restrictions set out below and elsewhere in these terms and conditions.
You must not: republish material from this website and/or our software applications (including republication on another website);
sell, rent or sub-license material from the website and/or our software applications;
show any material from this website and/or our software applications in public;
reproduce, duplicate, copy or otherwise exploit material on our website and/or our software applications for a commercial purpose;
edit or otherwise modify any material on the website and/or our software applications;
or redistribute material from this website and/or our software applications except for content specifically and expressly made available for redistribution (such as our newsletter).
Where content is specifically made available for redistribution; it may only be redistributed within your organization

4. CONTENTS FOR USERS
4.0. Our software services may allow you to post content. You are responsible for the content that you post to the service, including its legality, reliability, and appropriateness.
4.1. By posting content to the service, you grant us the right and license to use, modify, publicly perform, publicly display, reproduce, and distribute such content on and through the service. You retain any and all of your rights to any content you submit, post or display on or through the service and you are responsible for protecting those rights.
4.2. You agree that this license includes the right for us to make your content available to other users of the service, who may also use your content subject to these terms.
4.3. You represent and warrant that:
(i) the content is yours (you own it) or you have the right to use it and grant us the rights and license as provided in these terms, and
(ii) the posting of your content on or through the service does not violate the privacy rights, publicity rights, copyrights, contract rights or any other rights of any person.

5. ACCEPTABLE POLICY
5.0. Our website and/or our software applications may not be used for the following;
a. in any manner which is in breach of any domestic and international law or which is not permitted by and domestic or international law,
b. our website and/or our software applications may not be used in any manner which is considered fraudulent under any applicable law
c. our website and/or our software applications shall be not be used in any manner which incites hatred of derogatory content towards another person in other to carry out any malicious communication
d. the website and/or our software applications may not be use to distribute viruses, malware or any other harmful technologies.
e. our website and/or our software applications may not be used to undertake unsolicited advertising or to send spam
f. our website and/or our software applications may not be used in any manner that interferes with its proper operation
g. not using any trademarks or logos from our website and/or our software applications without explicit consent from Chikesoft Services in writing.

6. INDEMNITY
6.0. You hereby agree to indemnify, defend, and hold Chikesoft Services harmless and its officers, directors, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, and expenses, including but not limited to attorney fees, arising out of or related to any breach of this agreement, negligence, willful misconduct, or violation of any applicable laws or regulations by you.
6.1. This indemnity shall apply to both civil and criminal liabilities, and you shall be responsible for any judgments, settlements, or damages awarded against Chikesoft Services due to the aforementioned claims.
6.2. This indemnity clause shall be governed by and construed in accordance with the laws of Nigeria, and any disputes arising under or related to this clause shall be subject to the exclusive jurisdiction of the courts in Anambra State, Nigeria.

7. CASES OF SECURITY BREACH AND UNAUTHORISED USE
7.0. You are responsible for all transactions conducted using your devices (personal or otherwise), mobile phone, tablet or other electronic device, payment card or account. It is your responsibility to keep all of these secure
7.1. All passwords must be kept secret. You are liable for all activities undertaken using your username, associated password or device. You are responsible for maintaining the confidentiality of all Account information and keeping your Device from unauthorized persons.
7.2. We accept no liability for any unauthorized use of your device, payment card, account or any application you use in connection with our website and/or our software applications or any effects of same.
7.3. In the event your device has been stolen or there is an unauthorized access to your payment card or account, it is your responsibility to immediately notify us and your bank to restrict transactions on your card and account with us.
7.4. You are responsible for ensuring the security and safety of any application or device you use.

8. FAILED TRANSACTIONS, REVERSALS AND REDUNDS
8.0. In the event of a failed transaction (i.e. user has been debited for transaction, but value was not received), please send the following details to info@chikesoftservices.com.ng for resolution: user’s mobile number, transaction amount, transaction date, transaction type, transaction reference ID and any other detail we would request to enable us resolve your complaint. We shall use our best endeavors to liaise with the applicable financial institution, telecommunication company and/or merchant to resolve your logged transaction issue.
8.1. Refunds are issued for transactions whose payments are received but cannot be successfully completed. If we are unable to deliver the intended service or value within 72 hours, we will initiate the refund process. Processing times may vary depending on the payment method used. But be rest assured, your complaint must be resolved within 72hours.

9. DISCLAIMER
9.0. Our website and/or our software applications are provided “as is” without any express, implied and/or statutory warranties (including, but not limited to, any implied or statutory warranties of merchantability, fitness for a particular use or purpose, title, and non-infringement of intellectual property rights). Without limiting the generality of the foregoing, Chikesoft Services makes no warranty that our website and services will meet your requirements or that our website will be uninterrupted, timely, secure, or error free. No advice or information, whether oral or written, obtained by you through our website and/or our software applications, its parents, subsidiaries, or other affiliated companies, or its or their suppliers (or the respective officers, directors, employees, or agents of any such entities) (collectively, "Chikesoft Services parties") shall create any warranty.

10. LIMITATION OF LIABILITY
10.0. Chikesoft Services, its officers and employees shall in no event be liable for any special, incidental, indirect, or consequential damages whatsoever (including, without limitation, damages for loss of business profit, loss of business information, or any other pecuniary loss) arising out of or in connection with Chikesoft Services website and/or our software applications (including, without limitation, use, inability to use, or the results of use of Chikesoft Services websites and/or our software applications), whether such damages are based on warranty, contract, tort, statute, or any other legal theory.
10.1. Even if Chikesoft Services, its officers and employees have been advised of the possibility of such damages. These limitations will apply notwithstanding any breach of condition(s) or fundamental term(s) or for a fundamental breach (s).

11. SEVERABILITY
11.0. If any term or provision of this Terms and Conditions is determined to be illegal, unenforceable, or invalid in whole or in part for any reason, such illegal, unenforceable, or invalid provisions or part(s) of the same shall be stricken from this Terms and Conditions, and such provision shall not affect the legality, enforceability, or validity of the remainder of this Terms and Conditions, and the stricken provision shall be replaced, to the extent possible, with a legal, enforceable, and valid provision that is as similar in tenor to the stricken provision as is legally possible.
12. WHOLE AGREEMENT
12.0. These Terms and Condition, together with Chikesoft Services Privacy Policy; constitute the entire agreement between you and Chikesoft Services in relation to your use of this website and/or our software applications and supersede all previous agreements in respect of your use of this website.
13. ASSIGNMENT AND SUBCONTRACTING
13.0. Neither Chikesoft Services or you shall assign any or all of its obligations under this Terms and Condition to any third party without the prior written consent of the other party to the Terms of Condition, such consent should not to be unreasonably withheld in the case of a responsible person.
14. VARIATION
14.0. Chikesoft Services reserve the right, at her sole discretion, to modify or replace these terms at any time without prior notice to users.
14.1. By continuing to access or use website and/or our software applications after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, in whole or in part, please stop using the website and/or our software applications.

15. DISPUTE RESOLUTION
15.0. The laws of the Federal Republic of Nigeria shall govern this Terms and Condition.
15.1. We shall use our best endeavour to settle any dispute or difference of opinion between us, arising from or in connection with this Terms and Condition amicably through mutual discussion by our Approving Authority.
15.2. Any dispute that cannot be settled in accordance with Clause 13 within a period of thirty (30) days, shall be settled before a Sole Arbitrator to be appointed by our mutual agreement. A dispute shall be deemed to have arisen when any of us notifies the other in writing to that effect. In the event that we are unable to mutually agree on a Sole Arbitrator within fourteen (14) days after a dispute has arisen, such sole arbitrator shall be appointed by the Chairman of the Chartered Institute of Arbitrators (Anambra State branch). 15.3. Any dispute arising from this Terms and Condition shall be settled in accordance with the Arbitration Rules of the Arbitration and Conciliation Act, Cap. A18, Laws of the Federation of Nigeria 2004 (or any amendments or modification to the same).
15.4. The venue of Arbitration shall be Anambra State, Nigeria. Terms and conditions of usage
1. INTRODUCTION
1.0. Chikesoft and its associative software products is a platform which gives you the easiest and most convenient access to digital payments, transfers , wallet funding and bills payment, for everyday usage through third party merchants’ services. Chikesoft Services is a CAC registered business agency, with official address at Shop BB9, World Trade Center, Unizik Temp. Site Junction, Awka, Anambra State.
1.1. These terms and conditions shall govern the use of all software applications developed by Chikesoft Services via our web, USSD and/or mobile applications, API, widget and related services.
1.2. By accessing or using our software applications, you agree to be bound by these Terms and Conditions.
1.3. If you disagree with any part of these Terms and Conditions then you may not use our website and/or any of our software applications.

2. AGE RESTRICTION/MINOR
2.0. Our services are not targeted towards nor intended for use by, anyone under the age 18, if you are under the age of 18, you are not permitted to use our software applications and/or services

3. LICENSE TO USE WEBSITE AND/OR SOFTWARE APPLICATIONS
3.0. Unless otherwise stated, Chikesoft Services own the intellectual property rights in every of our software applications and our website materials.
3.1. Subject to the terms below, all these intellectual property rights are reserved. You may view, download for caching purposes only, and print pages from the our website and/or software applications for your own personal use, subject to the restrictions set out below and elsewhere in these terms and conditions.
You must not: republish material from this website and/or our software applications (including republication on another website);
sell, rent or sub-license material from the website and/or our software applications;
show any material from this website and/or our software applications in public;
reproduce, duplicate, copy or otherwise exploit material on our website and/or our software applications for a commercial purpose;
edit or otherwise modify any material on the website and/or our software applications;
or redistribute material from this website and/or our software applications except for content specifically and expressly made available for redistribution (such as our newsletter).
Where content is specifically made available for redistribution; it may only be redistributed within your organization
4. CONTENTS FOR USERS
4.0. Our software services may allow you to post content. You are responsible for the content that you post to the service, including its legality, reliability, and appropriateness.
4.1. By posting content to the service, you grant us the right and license to use, modify, publicly perform, publicly display, reproduce, and distribute such content on and through the service. You retain any and all of your rights to any content you submit, post or display on or through the service and you are responsible for protecting those rights.
4.2. You agree that this license includes the right for us to make your content available to other users of the service, who may also use your content subject to these terms.
4.3. You represent and warrant that:
(i) the content is yours (you own it) or you have the right to use it and grant us the rights and license as provided in these terms, and
(ii) the posting of your content on or through the service does not violate the privacy rights, publicity rights, copyrights, contract rights or any other rights of any person.
5. ACCEPTABLE POLICY
5.0. Our website and/or our software applications may not be used for the following;
a. in any manner which is in breach of any domestic and international law or which is not permitted by and domestic or international law,
b. our website and/or our software applications may not be used in any manner which is considered fraudulent under any applicable law
c. our website and/or our software applications shall be not be used in any manner which incites hatred of derogatory content towards another person in other to carry out any malicious communication
d. the website and/or our software applications may not be use to distribute viruses, malware or any other harmful technologies.
e. our website and/or our software applications may not be used to undertake unsolicited advertising or to send spam
f. our website and/or our software applications may not be used in any manner that interferes with its proper operation
g. not using any trademarks or logos from our website and/or our software applications without explicit consent from Chikesoft Services in writing.

6. INDEMNITY
6.0. You hereby agree to indemnify, defend, and hold Chikesoft Services harmless and its officers, directors, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, and expenses, including but not limited to attorney fees, arising out of or related to any breach of this agreement, negligence, willful misconduct, or violation of any applicable laws or regulations by you.
6.1. This indemnity shall apply to both civil and criminal liabilities, and you shall be responsible for any judgments, settlements, or damages awarded against Chikesoft Services due to the aforementioned claims.
6.2. This indemnity clause shall be governed by and construed in accordance with the laws of Nigeria, and any disputes arising under or related to this clause shall be subject to the exclusive jurisdiction of the courts in Anambra State, Nigeria.

7. CASES OF SECURITY BREACH AND UNAUTHORISED USE
7.0. You are responsible for all transactions conducted using your devices (personal or otherwise), mobile phone, tablet or other electronic device, payment card or account. It is your responsibility to keep all of these secure.
7.1. All passwords must be kept secret. You are liable for all activities undertaken using your username, associated password or device. You are responsible for maintaining the confidentiality of all Account information and keeping your Device from unauthorized persons.
7.2. We accept no liability for any unauthorized use of your device, payment card, account or any application you use in connection with our website and/or our software applications or any effects of same.
7.3. In the event your device has been stolen or there is an unauthorized access to your payment card or account, it is your responsibility to immediately notify us and your bank to restrict transactions on your card and account with us.
7.4. You are responsible for ensuring the security and safety of any application or device you use.
8. FAILED TRANSACTIONS, REVERSALS AND REDUNDS
8.0. In the event of a failed transaction (i.e. user has been debited for transaction, but value was not received), please send the following details to info@chikesoftservices.com.ng for resolution: user’s mobile number, transaction amount, transaction date, transaction type, transaction reference ID and any other detail we would request to enable us resolve your complaint. We shall use our best endeavors to liaise with the applicable financial institution, telecommunication company and/or merchant to resolve your logged transaction issue.
8.1. Refunds are issued for transactions whose payments are received but cannot be successfully completed. If we are unable to deliver the intended service or value within 72 hours, we will initiate the refund process. Processing times may vary depending on the payment method used. But be rest assured, your complaint must be resolved within 72hours.

9. DISCLAIMER
9.0. Our website and/or our software applications are provided “as is” without any express, implied and/or statutory warranties (including, but not limited to, any implied or statutory warranties of merchantability, fitness for a particular use or purpose, title, and non-infringement of intellectual property rights). Without limiting the generality of the foregoing, Chikesoft Services makes no warranty that our website and services will meet your requirements or that our website will be uninterrupted, timely, secure, or error free. No advice or information, whether oral or written, obtained by you through our website and/or our software applications, its parents, subsidiaries, or other affiliated companies, or its or their suppliers (or the respective officers, directors, employees, or agents of any such entities) (collectively, "Chikesoft Services parties") shall create any warranty.

10. LIMITATION OF LIABILITY
10.0. Chikesoft Services, its officers and employees shall in no event be liable for any special, incidental, indirect, or consequential damages whatsoever (including, without limitation, damages for loss of business profit, loss of business information, or any other pecuniary loss) arising out of or in connection with Chikesoft Services website and/or our software applications (including, without limitation, use, inability to use, or the results of use of Chikesoft Services websites and/or our software applications), whether such damages are based on warranty, contract, tort, statute, or any other legal theory.
10.1. Even if Chikesoft Services, its officers and employees have been advised of the possibility of such damages. These limitations will apply notwithstanding any breach of condition(s) or fundamental term(s) or for a fundamental breach (s).

11. SEVERABILITY
11.0. If any term or provision of this Terms and Conditions is determined to be illegal, unenforceable, or invalid in whole or in part for any reason, such illegal, unenforceable, or invalid provisions or part(s) of the same shall be stricken from this Terms and Conditions, and such provision shall not affect the legality, enforceability, or validity of the remainder of this Terms and Conditions, and the stricken provision shall be replaced, to the extent possible, with a legal, enforceable, and valid provision that is as similar in tenor to the stricken provision as is legally possible.

12. WHOLE AGREEMENT
12.0. These Terms and Condition, together with Chikesoft Services Privacy Policy; constitute the entire agreement between you and Chikesoft Services in relation to your use of this website and/or our software applications and supersede all previous agreements in respect of your use of this website.

13. ASSIGNMENT AND SUBCONTRACTING
13.0. Neither Chikesoft Services or you shall assign any or all of its obligations under this Terms and Condition to any third party without the prior written consent of the other party to the Terms of Condition, such consent should not to be unreasonably withheld in the case of a responsible person.

14. VARIATION
14.0. Chikesoft Services reserve the right, at her sole discretion, to modify or replace these terms at any time without prior notice to users.
14.1. By continuing to access or use website and/or our software applications after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, in whole or in part, please stop using the website and/or our software applications.

15. DISPUTE RESOLUTION
15.0. The laws of the Federal Republic of Nigeria shall govern this Terms and Condition.
15.1. We shall use our best endeavour to settle any dispute or difference of opinion between us, arising from or in connection with this Terms and Condition amicably through mutual discussion by our Approving Authority.
15.2. Any dispute that cannot be settled in accordance with Clause 13 within a period of thirty (30) days, shall be settled before a Sole Arbitrator to be appointed by our mutual agreement. A dispute shall be deemed to have arisen when any of us notifies the other in writing to that effect. In the event that we are unable to mutually agree on a Sole Arbitrator within fourteen (14) days after a dispute has arisen, such sole arbitrator shall be appointed by the Chairman of the Chartered Institute of Arbitrators (Anambra State branch).
15.3. Any dispute arising from this Terms and Condition shall be settled in accordance with the Arbitration Rules of the Arbitration and Conciliation Act, Cap. A18, Laws of the Federation of Nigeria 2004 (or any amendments or modification to the same).
15.4. The venue of Arbitration shall be Anambra State, Nigeria.