Terms and Condition
Last updated: July 14, 2019
Please read these Terms and Conditions carefully before using
the https://paygital.com website managed by Paygital Gateway Services, registered
with the Corporate Affairs Commission of Nigeria.
usage of this platform would be based on these rules. These Terms apply to all
visitors, users and others who utilize Service. By using our Service you agree
to be bound by these Terms. If you disagree with any part of the terms then you
may not access the Service.
- Who we are
PAYGITAL provides a platform that
protects buyers and sellers from fraud during transactions by ensuring
that buyers get the items/services ordered and seller gets paid for goods
sold or service rendered. Meaning
Paygital is the line of trust
between both parties. You understand and agree that PAYGITAL is not a
To be eligible to use the PAYGITAL Services, you must be at least 18 years
old or higher based on the age of majority in your jurisdiction.
In order to open and maintain an Account, you must provide us with correct
and updated Information which may include your full name, company name,
telephone number, email address etc.
- Contact information
It is your responsibility to keep your primary email address up to date so
that PAYGITAL can communicate with you electronically. You understand and
agree that if PAYGITAL sends you an electronic Communication but you do
not receive it because your primary email address on record is incorrect,
out of date, blocked by your service provider, or you are otherwise unable
to receive electronic Communications, PAYGITAL will be deemed to have
provided the Communication to you effectively.
- Identity Verification
You authorize PAYGITAL, directly or through third parties, to make any
inquiries we consider necessary to validate your identity. This may
include asking you for further information or documentation, requiring you
to take steps to confirm ownership of your email address or financial
instruments, report or verifying your Information against third party
databases or through other sources.
- Prohibited Transactions
Users shall not utilize the Site or the Services in connection with any
Transaction that is illegal activities; In addition, PAYGITAL, in its sole
discretion, may refuse to complete any Transaction that appears fraudulent.
Each User agrees to indemnify and hold PAYGITAL harmless for losses
resulting from any use or attempted use of the Services in violation of
- Governing Law
governed by and interpreted in accordance with the laws of the Federal
Republic of Nigeria.
We will follow accepted business procedures to facilitate Transactions. We
are NOT responsible for any delays in delivery or payments for
Transactions due to postal time, banking service time, errors in
transmission, or errors in information provided to us by Users. Since the
use of a bank account, credit card or debit card account, or the making of
an electronic fund transfer, may be limited by your agreement with your
financial institution and/or by applicable law, we are not liable to any
User if we do not complete a Transaction as a result of any such limit, or
if a financial institution fails to honor any credit or debit to or from
an Account. We may post operating rules related to payment on the Site and
change such rules from time to time.
We use industry standard SSL(Secure Sockets Layer) and TLS(Transport Layer
Security) cryptographic protocol to securely encrypt all data transmitted
on/via our platform to ensure that the data you provide us is not
transmitted over the Internet unencrypted and cannot be viewed by
unauthorized individuals. We have also implemented a security system
requiring a user email and a password to access your transactions on the
Site. You agree not to give your password to any other person or entity
and to protect it from being used or discovered by anyone else.
You agree to indemnify and hold PAYGITAL, PAYGITAL affiliates and their
respective officers, directors, shareholders, employees and assigns,
harmless from any claim, demand, expense or damage, including reasonable
attorneys’ fees and court costs, arising from or relating to your use of
the Services or any violation of this Agreement, the rules contained on
the Site, transaction terms including, without limitation, payment of PAYGITAL
fees and any charge backs from a card organization or reversal or nonpayment
of any credit or debit entry.
- Service Termination
PAYGITAL may suspend or terminate your use of the Services at any time,
without notice for any reason, PAYGITAL’s sole discretion. Except as
warranted by risk to the security, privacy or integrity of the Services, PAYGITAL
will attempt to provide you with prior notice of the suspension or
termination of the Services by sending you an e-mail, but PAYGITAL is not
obligated to do so. You shall remain liable for all Transactions you
initiate through the Services prior to such termination, and the
performance of your obligations, including but not limited to, the
delivery of the items and the payment of all amounts you owe prior to
termination or discontinuation of your use of the Services. You agree to
pay all costs and expenses (including reasonable attorneys’ fees) that PAYGITAL
may incur in order to (a) collect any amounts you owe under this
Agreement, or the transaction terms or (b) to initiate an arbitration or
judicial proceeding to resolve a dispute between Buyer and Seller, as set
forth in the transaction terms.
- Limitation of Liability and Damages
TO THE EXTENT PERMITTED BY APPLICABLE LAW, NEITHER PAYGITAL NOR ITS
AFFILIATES, SHALL BE LIABLE FOR ANY LOST PROFITS, LOSS OF DATA, OR ANY INDIRECT,
PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES ARISING
OUT OF, IN CONNECTION WITH, OR RELATING TO THIS AGREEMENT OR THE SERVICES,
INCLUDING WITHOUT LIMITATION THE USE OF, INABILITY TO USE, OR
UNAVAILABILITY OF THE PAYGITAL SERVICES. UNDER NO CIRCUMSTANCES WILL ANY
OF THE DISCLAIMING ENTITIES BE RESPONSIBLE FOR ANY DAMAGE, LOSS OR INJURY
RESULTING FROM HACKING, TAMPERING, OR OTHER UNAUTHORIZED ACCESS OR USE OF
THE SERVICE OR YOUR PAYGITAL ACCOUNT OR THE INFORMATION CONTAINED THEREIN,
OR YOUR FAILURE TO USE OR IMPLEMENT SECURITY CONTROLS THAT ARE APPROPRIATE
FOR YOUR BUSINESS.
Payments are made in Nigerian Naira. Your name as registered must match
your bank account name for money to be transferred.
Both Buyer and Seller are charged 1% of transaction as this will enable us
serve you better.
You agree to defend, indemnify and hold PAYGITAL, Affiliates, and our
officers, directors, agents, joint ventures, employees and suppliers
harmless from any claim, demand (including attorneys’ fees), fine, or
other liability incurred by any third party due to or arising out of your
or your employees’ or agents’ breach of this Agreement and/or use of the PAYGITAL
without notice. By using this web site you are agreeing to be bound by the
then current version of these Terms and Conditions of Use.
- Canceling a Transaction
If a Transaction cannot be completed for any reason, including
cancellation by PAYGITAL for any reason, PAYGITAL will notify each User in
such Transaction by e-mail, to the e-mail address each has provided to PAYGITAL.You
may cancel a Transaction as provided in this Agreement, or in the
- Seller Obligation
Sellers shall deliver the items set forth in transaction terms directly to
the Buyer at the address specified by such, within the transaction period
as specified in the transaction terms and on the other terms and
conditions set forth in the transaction terms. Seller shall use a delivery
service suites him or her, Paygital is not responsible for the delivery
off product. So seller may as well include the cost of transportation to
- Buyer Obligations
Buyer on receiving the Payment Link (PL) shall pay to Paygital escrow body.
Buyer shall notify PAYGITAL of the receipt or non-receipt of the items on
the date the items are received. Buyer shall notify PAYGITAL of the
Buyer’s acceptance or rejection of the items before the Buyer’s Inspection
Period expires. Upon receipt of notice from Buyer that the items have been
received and accepted, PAYGITAL shall transfer the payment amount to
Seller’s Account. Transfer to a Seller generally will be initiated within
the next business day from the day on which notice of acceptance of the
items is received from the Buyer. If Buyer has not notified PAYGITAL of
the non-receipt or rejection of the items during the Buyer’s Inspection
Period, then Buyer authorizes PAYGITAL to remit the escrowed funds to the
Seller. Upon rejection of Product Buyer Returns first the product then
seller inspects before buyers refund of payment
If you have any questions about these terms, please contact us via firstname.lastname@example.org