TERMS AND CONDITIONS

  1. Introduction

    Before proceeding to use BillsnPay, it is necessary that you read these Terms and Conditions carefully. These Terms and Conditions are herein a legally binding agreement between you (the "Customer" "Client" "Customers" "User" or "You") and BillsnPay - CWG Plc ( "BillsnPay", "the Company", "Platform", "Company", "We", "Our", or "Us"). These Terms and Conditions shall guide your registration, access and use of BillsnPay services. If you do not agree to any part of this Agreement, then you may not use the Services.

  2. About Us

    BillsnPay is a payment platform that helps businesses maximize cost and save time as customers have easy access to view, download and pay their bills seamlessly. All transactions performed are final and cannot be recalled except in the case of a proven fraud.

  3. Our Services

    When we refer to our "Services," we mean all products and services owned, operated and sold by BillsnPay. These Services include but are not limited to BillsnPay websites, mobile applications and all other products and services (collectively referred to as "Services") available on BillsnPay. BillsnPay provides a payment platform which allows its users to pay bills easily. With BillsnPay, users can also transfer from their wallet to other wallet users within BillsnPay and receive funds instantly too into their wallet.

  4. Your BillsnPay Account

    You will need to register for a BillsnPay Account to access our Services.

    By registering for a BillsnPay Account, you certify that:

  5. Governing Language

    The governing language of these terms and conditions and all other communication between BillsnPay and you will be in English Language

  6. Age Restriction

    Our services are not directed to persons under the age of 18. We do not intentionally or knowingly accept information from persons under the age of 18. However, customers under 18 are allowed to review these terms and conditions with a parent or guardian. If as a parent or guardian, you become aware that your child/ward has misinformed or provided us with information without your consent, please contact us on +234 (0) 814 138 1197, +234 (0) 814 138 1198, and via email info@billsnpay.com

  7. Convenience Fees

    Some services on this Platform would attract a charge. For a list of services that would attract fees, please click on our www.billsnpay.com/FAQ

  8. Daily Limits

    Please click on our www.billsnpay.com/FAQ for a description of the minimum and maximum amounts that can be paid using this Platform.

  9. One Time Password (OTP)

    The Platform uses a two-factor authentication software for fraud, risk, and compliance monitoring, known as Safetoken. Safetoken generates a 6-8 digit One-Time-Password (OTP) whenever a transaction is initiated via the Platform. To learn more about Safetoken please click on our www.billsnpay.com/FAQ

  10. Notices

    Your email address and phone number supplied at sign-up will be used as a means of communicating information, notices, and documents to you. Any changes to such information should be logged as a ticket on +234 (0) 814 138 1197, +234 (0) 814 138 1198, email to info@billsnpay.com

  11. Privacy Statement

    11.1. You acknowledge that by your use of the Platform, we shall be privy to and store some of your personal information (full name, mobile phone number, gender and email address).

    11.2. We shall use our best endeavours to ensure that your personal information is secure on our systems.

    11.3. We may use your personal information for:

    1. Providing you the service, processing transactions, and sending you related information;
    2. Providing, maintaining, and improving our services;
    3. Sending support and administrative messages to you;
    4. Responding to your enquiries and requests;
    5. Providing customer service;
    6. Updating you on products, services, promotions, rewards, and events offered by us and third parties; and
    7. A better understanding of your needs by combining it with information collected from others with the objective of improving on our service delivery.

    We may disclose any information we collect about you to third parties as set forth below:

    1. to regulatory bodies;
    2. to financial institutions;
    3. to companies, such as email service providers that perform marketing services on our behalf;
    4. to third parties to enable us provide the Services to you; and
    5. if required to be disclosed under applicable law, or stock exchange regulation or by a government order, decree, regulation or rule or by a court order.

    11.5. You hereby consent to the processing, transfer and storage of your information during and after the use of the Platform.

    11.6. We have also implemented several security practices and procedures to ensure that the confidentiality and Personal Data of our users are well protected in accordance with our policies https://www.billsnpay.com/privacy_policy.html

  12. Use Policy

    Violation of the Acceptable Use Policy
  13. Suspension of Access to Platform

    13.1. We hereby reserve the right to suspend, restrict, or terminate your access to the Platform (in whole or in part) without any notice or liability in the following circumstances:

  14. Intellectual Property

    14.1. BillsnPay and/or its licensors own all intellectual property rights and materials on the platform including but not limited to all texts, formats, graphics, animations, tools, commercials, music, video, articles, sound, trade names, logos and all other materials which inherently are subject to intellectual property.

    Nothing on the platform or in these Terms and Conditions shall be construed whether express or implied as granting or licensing the use of any intellectual property or trademark on the Platform. As such you do not have the right, license, title or interest to exercise any rights with regards to any intellectual property on the Platform. These intellectual properties may not be copied, reverse engineered, decompiled, disassembled, modified or reposted to other websites or other platforms.

  15. Failed Transactions, Disputes and Reversals

    15.1. In the event of a failed transaction, that is, the User was debited but the value of the exchange was not received, the User shall contact our customer care service on +234 (0) 814 138 1197, +234 (0) 814 138 1198, email to info@billsnpay.com and provide the necessary details needed to resolve the complaint.

    15.2. In the event that a User has a dispute about goods and services purchased, we have no liability for such goods or services as our involvement with such transactions are only as payment agents and nothing more.

  16. Security and Unauthorized Use

    16.1. You are responsible for all transactions conducted using your computer (personal or otherwise), mobile phone, tablet or other electronic device ("Device"), payment card or account. It is your responsibility to keep all of these Devices secure.

    16.2. 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 use.

    16.3. We accept no liability for any unauthorized use of your Device, payment card or account or any effects of the same.

    16.4. In the event your Device has been stolen or there is unauthorized access to your payment card or account, it is your responsibility to immediately notify your bank to restrict transactions on your card and account.

    16.5. In the event your Device has been stolen or there is unauthorized access to your BillsnPay account, it is your responsibility to immediately log as a ticket on +234 (0) 814 138 1197, +234 (0) 814 138 1198 and via email info@billsnpay.com

    16.6. If you dispute any purchase or withdrawal on your card or account, you will be required to prove that the transaction was effected without your authorization and such transaction will be investigated by our Fraud Team once we receive a logged ticket on +234 (0) 814 138 1197, +234 (0) 814 138 1198 and via email info@billsnpay.com

  17. Limitation of Liability

    17.1. BillsnPay shall not under any circumstance be held liable for any direct, indirect, special, consequential, punitive or exemplary damage whether such damages are based on a breach of warranty, tort, contract, statute or any legal theory including but not limited to loss of profits, revenue and goodwill that may result from:

    17.2. Under no circumstance shall it be construed or implied that BillsnPay endorses, sponsors, advertises, certifies or otherwise guarantees the sale or use of any merchants products and services listed on the Platform.

    17.3. WE SHALL USE OUR BEST ENDEAVOURS TO ENSURE THE PLATFORM FUNCTIONS OPTIMALLY AT ALL TIMES AND OUR SYSTEMS ARE FREE FROM VIRUSES, HOWEVER WE CANNOT ENSURE SUCH EXCLUSION AND NO LIABILITY IS ACCEPTED FOR SAME. HENCE IT IS RECOMMENDED YOU PUT IN PLACE YOUR OWN SECURITY MEASURES. WE DO NOT WARRANT THAT THE OPERATION OF THE PLATFORM WILL BE UNINTERRUPTED OR ERROR FREE, NOR WILL IT BE 100% FRAUD OR FAIL PROOF.WE ARE PROVIDING THE SERVICE "AS IS'' WITHOUT ANY EXPRESS OR IMPLIED REPRESENTATIONS OR WARRANTIES WITH RESPECT TO THE SERVICES OR ITS CONDITION, TIMELINESS, MERCHANTABILITY, FITNESS FOR ANY PARTICULAR PURPOSE OR USE BY YOU. WE DO NOT ACCEPT RESPONSIBILITY FOR THE DELETION OR FAILURE TO STORE ANY USER COMMUNICATION, ACTIONS, CONTENT, INFORMATION, OR DATA OF THIRD PARTIES, AND YOU RELEASE US, OUR DIRECTORS, OFFICERS, EMPLOYEES, AND AGENTS FROM ANY CLAIMS AND DAMAGES, KNOWN AND UNKNOWN, ARISING OUT OF OR IN ANY WAY CONNECTED WITH ANY CLAIM YOU HAVE IN THIS REGARD.

    The use of the Platform is at your own risk and the Limitation liability clause will apply to the maximum extent permitted by the applicable law.

  18. Indemnity

  19. Breach of Terms and Conditions

    Without prejudice to BillsnPay other rights under these terms, if You breach the Terms and Conditions herein listed, BillsnPay reserves the right to:

  20. Applicable Law

    These Terms and Conditions are made under and will be governed by and construed in accordance with the laws of the Federal Republic of Nigeria. Any term which attempts to give effect to any principle of another jurisdiction shall not be affected.

  21. Dispute Resolution and Arbitration

    We shall make an effort to settle all disputes amicably. However, any dispute arising out of this Agreement that cannot be settled by mutual agreement/negotiation within 1 (one) month shall be referred to arbitration by a single arbitrator at the Lagos Multi-Door Courthouse ("LMDC") and governed by the Arbitration and Conciliation Act, Cap A10, Laws of the Federal Republic of Nigeria. The arbitrator shall be appointed by both of us (we and you), where both of us cannot agree on the choice of an arbitrator, the choice of arbitration shall be referred to the LMDC. The findings of the arbitrator and subsequent award shall be binding on both of us. Each of us shall bear our respective costs in connection with the Arbitration. The venue for the arbitration shall be Lagos, Nigeria.

  22. Right to Update, Modify and Amend Terms and Conditions

    BillsnPay reserves the right to make change, revise, modify and amend these Terms and Conditions at any time within their discretion without providing notice as long as it is subject to the applicable law. However, subject to the applicable law, BillsnPay is to deliver its users any notice of changes to existing terms and conditions or addition to it. A notice of such amendment shall be published on the BillsnPay Platform.

    Users have the right to decide whether or not they will accept the modified or revised Terms and Conditions. Continued use of the BillsnPay Platform after the revised Terms and Conditions is considered an acceptance of the conditions. Where a user disagrees with any part of the modified or revised Terms and Conditions, he/she is kindly advised not to access the Platform.

  23. Severability

    If any part of the Terms and Conditions herein listed is held by any court of competent jurisdiction to be invalid or unenforceable, either in whole or in part, then that part shall be severed from the Terms and Conditions and shall not affect the validity or enforceability of any part of the Terms and Conditions.

  24. Complaints

    If you have any complaints or reservations about us or any of the services provide , you may contact us on +234 (0) 814 138 1197, +234 (0) 814 138 1198 and via email info@billsnpay.com