This User Agreement ("Agreement") is effective as of January 1, 2022, and was most recently updated on December 30, 2021. It describes the terms by which you will be bound when you use the services accessible at www.tranzopay.com or any of its applications and channels ("Service"). Do not use the Service if you do not agree to be bound by these terms. By using the Service you are agreeing to the terms of this Agreement.

As used throughout this Agreement, the terms "Tranzopay", "we", "us", and "our" refer to Tranzo Africa, a company registered in Ghana, together with its subsidiaries, employees, directors, successors, and assignees. The terms "you" and "your" refer to users of the Service, whether as Senders or Recipients.

The service

We recommend you use the Service to Pay bills, create virtual cards, convert airtime to cash, send money to friends and family and, therefore, you should not use the Service to send money to strangers. A "Transaction" refers to an order to send money through the Service. The "Transaction Amount" is the amount in sending currency that the Sender provides to Tranzopay for transmission to the Recipient. The "Payout Amount" is the amount paid out to the Recipient.

Eligibility of service

Age and capacity. You must be at least eighteen (18) years old to create an account, access, or use the Service. You must be able to form legally binding contracts under applicable law. Other restrictions may apply.

Others. You may not submit or receive a Transaction on behalf of any other person.

Offer and acceptance. If you submit a Transaction, you are requesting that we process your Transaction, an offer that we may accept or reject at our sole discretion.

Multiple Accounts. Users may only have one active account. If we determine that a User is using multiple accounts we reserve the right to merge or terminate one or more of the accounts, limit the User use of the Service, or refuse their continued use of the Service.

Paying for the service

Charges. With each Transaction you submit you are agreeing to pay us a service fee ("Service Fee"), in addition to the Transaction Amount. Payment is due at the time the transaction is submitted for processing. If you submit a transaction that results in us being charged chargeback fees, or other similar costs, you agree to reimburse Tranzopay for all such fees.

Payment. In order for us to process your transaction you authorize us to charge any of the payment instruments included in your payment profile ("Payment Instrument" includes any Bank account, credit card, debit card, mobile money, Tranzo digital wallet). If your payment fails you authorize us to re-try one or more times using the same Payment Instrument. You warrant that you are an authorized and lawful user of the Payment Instrument(s).

Other charges. We are not responsible for fees that may be imposed by financial institutions associated with your Payment Instruments. For example, some credit card issuers may treat the use of your credit card to use the Service as a "cash advance" and may impose additional fees and interest cost for the transaction. Tranzo pay is not responsible for any chargeback fees, or other, similar charges that might be imposed on you by your bank, credit card issuer, or other provider.

Receiving a remittance

Service providers. We work with local banks, mobile telecommunication companies and other third party outlets (each, a "Service Provider") to make funds available to Recipients. As a Sender, you are appointing your Recipient as your agent for the purpose of receiving funds transmitted through the Service. We try to provide current information on our website about the location, availability, and hours of our Service Providers. However, we are not responsible for any inaccurate or incomplete information that may be posted on the website.

Verification. Users will be required to prove their identities before depositing, receiving funds and withdrawing by presenting valid identification.

Important service restrictions

General. We may refuse any Transaction or limit the amount to be deposited, withdrawn or transferred, either on a per transaction or aggregated basis. These limits may be imposed on individual accounts or linked accounts. We reserve the right at any time to modify or discontinue all or any part of the Service.

Delays. Your Transaction may be delayed by our effort to verify your identity and validate your Payment Instruments and otherwise comply with laws or manage our financial risk. You may be entitled to a refund in certain circumstances and you may cancel your transaction at any time while it is pending.

Commercial transactions. You should not use the Service to send money except to people that you know. We are not responsible for the quality or delivery of goods or services that you pay for using the Service. You accept that using the Service to pay for goods and services is at your own risk.

Unauthorized transactions. You may not use the Service in violation of this Agreement or applicable laws, rules or regulations. It is a violation of the Agreement to use the Service for any of the following: sexually-oriented materials or services, gambling activities, fraud, money-laundering, the funding of terrorist organizations, or the purchase or sale of tobacco, tobacco related paraphernalia, firearms, prescription drugs, or other controlled substances; or to send money to a Recipient that has violated the Agreement. If you use the Service in connection with illegal conduct, Tranzo pay / Tranzo Africa will report you to law enforcement.

Ineligibility. We may refuse Transactions from certain Senders and to certain Recipients that are included on the Specially Designated Nationals list, Non-cooperative Countries and Territories list, and such other lists as issued by different government agencies.

No changes. We generally do not let you change the details of your Transaction once it's submitted to us for processing. It is your responsibility to make sure your Transaction details are accurate.

Restricted activities. In connection with your use of our website or the Service, or in the course of your interactions with Tranzo pay, a user or a third party, you will not:

Breach this Agreement, or any other agreement between you and Tranzo pay;

Provide false, inaccurate, or misleading information;

Refuse to cooperate in an investigation or provide confirmation of your identity;

Use an anonymizing proxy;

Provide yourself a cash advance from your credit card (or help others to do so);

Use any automatic device, or manual process to monitor or copy our website.

How and why we collect personal information

Customer identification program. The law requires we obtain, verify, and record information about you. We may require that you provide us with nonpublic, personal, identifying information. We may also lawfully obtain information about you from other sources without your knowledge, including non-personal identifying information that we may obtain while you visit this website.

Government disclosures. We may provide information about you and your Transactions to government authorities and law enforcement agencies, as described in our Privacy Policy.

Verifying information. You authorize us to make any inquiries, to you or to others, which are necessary to validate the information that you provide to us. This may include asking you for additional information, requiring you to take steps to confirm ownership of your email address or financial instruments, verifying your information against third party databases, or through other sources.

Error resolution, cancellation and refunds

Error resolution. Let us know at any time if you have any problems with the Service. You can contact us using the contact information at the bottom of this Agreement for more information about error resolution.

Refunds. You can cancel your transaction at any time prior to its completion. Completion means that your recipient claimed the money you sent either through wallet delivery, cash pick-up or bank account deposit. The Transaction Amount will not be refunded after completion. If, however, you are not satisfied with our service for any reason we will always refund the fee amount. All refunds will be credited to the same Payment Instrument used to pay for the Transaction.

Tranzo pay Intellectual property

You acknowledge that the Service, including the content of this website, text, graphics, logos, and images, as well as all other tranzo pay copyrights, trademarks, logos, and product and service names are owned exclusively by Tranzo Africa. (the "Tranzo pay Intellectual Property"). You agree not to display, use, copy, or modify the Tranzo pay Intellectual Property in any manner. You are authorized solely to view and retain a copy of the pages of this website for your own personal, non-commercial use. You further agree not to: (i) use any robot, spider, scraper or other automated device to access the Service; (ii) remove or alter any author, trademark or other proprietary notice or legend displayed on this website (or printed pages thereof); or (iii) infringe Tranzo Africa's or any third party's copyright, patent, trademark, trade secret or other intellectual property rights, or rights of publicity or privacy.

Disclaimer of warranties

We make reasonable efforts to ensure that Transactions are processed in a timely manner, but we make no representations or warranties regarding the time needed to complete processing because the Service is dependent on many factors outside our control. Some jurisdictions do not allow the disclaimer of implied warranties, so the foregoing disclaimer may not apply to you.

Indemnity

You agree to indemnify and hold Tranzo Africa, Service Providers, and their respective subsidiaries, officers, agents, partners, and employees harmless from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of your use of the Service, your connection to the Service, your violation of the Agreement, or your violation of any rights of another.

Limitation of liability

IN NO EVENT SHALL TRANZO AFRICA, SERVICE PROVIDERS, OR THEIR RESPECTIVE SUBSIDIARIES, OFFICERS, AGENTS, PARTNERS, OR EMPLOYEES BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES BEYOND THE SUM OF $500.00 (IN ADDITION TO REFUNDING THE TRANSACTION AMOUNT AND SERVICE FEES), INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF TRANZO AFRICA HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES) RESULTING FROM NEGLIGENCE ON THE PART OF TRANZO AFRICA, DISBURSEMENT PARTNERS, OR THEIR RESPECTIVE SUBSIDIARIES, OFFICERS, AGENTS, PARTNERS, OR EMPLOYEES.

Dispute resolution and governing law

Governing law. This Agreement shall be governed according to the laws of Ghana.

Disputes with Tranzo Africa. If a dispute arises between you and Tranzo Africa, our goal is to learn about and address your concerns. If we are unable to address your concerns to your satisfaction, we will seek to provide you with a neutral and cost-effective means of resolving the dispute quickly. Disputes between you and Tranzo Africa regarding the Service may be reported online to Customer Service; by mobile by +233506689496; or by email at info@tranzoafrica.com

Arbitration. You and Tranzo Africa agree that any Claim will be settled by binding arbitration. If a party elects arbitration, that party will initiate such arbitration through an established alternative dispute resolution provider mutually agreed upon by the parties. The ADR provider and the parties must comply with the following rules: (a) the arbitration shall be conducted by telephone, online and/or be solely based on written submissions, the specific manner shall be chosen by the party initiating the arbitration; (b) the arbitration shall not involve any personal appearance by the parties or witnesses unless otherwise mutually agreed by the parties; (c) the arbitrator may not consolidate more than one person's claims, and may not otherwise preside over any form of any className or representative proceeding; and (d) any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction. You acknowledge and agree that you and Tranzo Africa are each waiving the right to a trial or to participate as a plaintiff or className member in any purported className action or representative proceeding.

Costs and fees. If your claim does not seek an award of more than $10,000, Tranzo Africa will pay the fees associated with arbitration unless the arbitrator finds that either the substance of your Claim or the relief sought to be frivolous or brought for an improper purpose. If you prevail in arbitration you may be entitled to an award of attorneys' fees and expenses, to the extent provided under applicable law. Tranzo Africa will not seek, and hereby waives all rights it may have under applicable law to recover, attorneys' fees and expenses if it prevails in arbitration unless the arbitrator finds that either the substance of your Claim or the relief sought to be frivolous or brought for an improper purpose.

Communications

You acknowledge that this Agreement shall be entered into electronically, and that the following categories of information ("Communications") may be provided by electronic means: (i) this Agreement and any amendments, modifications or supplements to it; (ii) your records of transactions through the Service; (iii) any initial, periodic or other disclosures or notices provided in connection with the Service, including without limitation those required by law; (iv) any customer service communications, including without limitation communications with respect to claims of error or unauthorized use of the Service; (v) any other communication related to the Service or Tranzo Africa.

Communications may be provided to you through the use of autodialed or prerecorded message calls or text messages at the telephone number(s) that you provide us with. We may contact you directly or we may share your phone number with service providers with whom we contract to provide such Communications. Standard telephone minute and text charges may apply. The hardware and software requirements for access to and retention of the Communications associated with the Service include a personal computer or other device which is capable of accessing the Internet; an Internet Web Browser; and a printer or other device capable of printing and/or retaining agreements and documents.

You may withdraw your consent to receive Communications electronically, but if you do, your use of the Service shall be terminated. In order to withdraw your consent, you must contact us using our contact information at the end of this Agreement.

Miscellaneous

Entire agreement. The Agreement constitutes the entire agreement between you and Tranzo Africa and governs your use of the Service, superseding any prior agreements between you and Tranzo Africa.

No waiver. The failure of Tranzo Africa to exercise or enforce any right or provision of the Agreement shall not constitute a waiver of such right or provision. If any provision of the Agreement is found by an arbitrator or court of competent jurisdiction to be invalid, the parties nevertheless agree that the arbitrator or court should endeavor to give appropriately valid effect to the intention of the Agreement as reflected in the provision, and the other provisions of the Agreement shall remain in full force and effect.

Force majeure. We shall not be liable for any failure or delay in the performance of the Service to the extent such failure or delay is caused by matters beyond our reasonable control, including, without limitation: changes in applicable laws; closure or unavailability of required physical and network infrastructure; sovereign default; power or internet failure; civil unrest; war; and earthquake, fire, flood, or other natural disasters.

Modification. We may modify this Agreement from time to time without notice to you, except as may be required by law. You can review the most current version of the Agreement at any time by reviewing this website. You may terminate your use of the Service if you do not agree with any modification or amendment. If you use the Service after the effective date of an amendment or modification, you shall be deemed to have accepted that amendment or modification. You agree that you shall not modify this Agreement and acknowledge that any attempts by you to modify this Agreement shall be void.

Other terms. This Agreement may be supplemented by terms applicable to other promotions, our Referral Program, and other terms applicable to you based upon your use of the Service. These terms are incorporated into this Agreement by reference. To the extent that any of these terms are determined to be in conflict with this Agreement, this Agreement shall control.

Security

Your security is very important to Tranzo Africa, and we use a variety of security measures to make sure that your information is secure. We urge you to think carefully before transacting to anyone that you do not know well. In particular, you should be cautious of deals or offers that seem too good to be true. If you think you have been or might be a victim of fraud, please contact us immediately support at info@tranzopay.com If you receive any fake (phishing) emails, purporting to be from Tranzo Africa, please forward them to us at support at info@tranzopay.com

Language

This Agreement is drafted in the English language and translations may be provided in other languages. You agree that the English version of the Agreement will control in the event of any inconsistency between the English and translated versions in any dispute related to this agreement

Contact information

Questions, notifications, and requests for refunds or further information can be sent to Tranzo Africa, as follows by telephone at +233 506689496 or by email support @ support@tranzopay.com