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        Please read this Agreement carefully before accessing the PayCentre website. As a condition to and in consideration of receiving and accessing the PayCentre Website, every user agrees to be bound by the terms of this Agreement. Use of or access to the PayCentre Website shall constitute acceptance of and agreement to be bound by this Agreement. 

            1 Introduction

            If you do not wish to be bound by this agreement, do not access the PayCentre Website. If you have any questions about this Agreement, please contact us via e-mail at Hello@paycentreafrica.com. THIS AGREEMENT "Agreement" is entered into by and between PayCentre and any individual, corporation, association, agency, company, or other entity who accesses or uses the PayCentre Website (the "User" or "you"). 

            1.1 Access to PayCentre Website

            This website, which is provided to you without charge is a World Wide Web site on the Internet that is designed to allow PayCentre of companies communicate with users and for you to interact with those users. PayCentre Website is owned and operated by PayCentre of companies. This Website contains or may contain information, communications, opinions, text, graphics, links, electronic art, animations, audio, video, software, photos, music, sounds and other material and data (i.e. "Content") formatted, organized and collected in a variety of forms that are generally accessible to Users, including directories and databases, and areas of the website that can be modified by Users, such as posting classifieds, uploading multimedia files, registering user profiles, and creating auto-notify, personalized pages, and personalized project areas. 

            You are responsible for providing all hardware, software, telephone or other communications equipment and/or service to connect to the Internet and access the Website and are responsible for all Internet access charges, telephone charges or other fees or charges incurred in connecting to the Internet and accessing the PayCentre website. 

            1.2 User Conduct 

            You agree to access and use this website only for lawful purposes. You are solely responsible for the knowledge of and adherence to any and all laws, statutes, rules and regulations, pertaining to (i) your use of PayCentre Website, including any Interactive Area, (ii) the use of any networks or other services connected to the it, and (iii) the communications means through which you connect your modem, computer, or other equipment to the Website. 
            By accessing this Website, you agree that you will not:
              · Restrict or inhibit any other user from using and enjoying the Interactive Features;

              · Post or transmit any unlawful, threatening, abusive, libelous, defamatory, obscene, vulgar, pornographic, profane, or indecent information of any kind, including without limitation any transmissions constituting or encouraging conduct that would constitute a criminal offence, give rise to civil liability or otherwise violate any local, state, national, or international law; 

              · Post or transmit any information, software, or other material which violates or infringes in the rights of others, including material which is an invasion of privacy or publicity rights or which is protected by copyright, trademark or other proprietary right, or derivative works with respect thereto, without first obtaining permission from the owner or right holder. 

              · Post or transmit any information, software or other material which contains a virus or other harmful component; 

              · Alter, damage or delete any Content or other communications that are not your own Content or to otherwise interfere with the ability of others to access the PayCentre website; 

              · Disrupt the normal flow of communication in an Interactive Area; 

              · Claim a relationship with or to speak for any business, association, institution or other organization for which you are not authorized to claim such a relationship; 

              · Violate any operating rule, policy or guideline of your Internet access provider or online service. 

            2. Intellectual Property Rights 

            2.1 Content of the PayCentre website 

            (a) You acknowledge that Contents on the PayCentre website is generally provided by the PayCentre, individual contributors of Content ("Contributors"), third party licensees, and/or other Users. You acknowledge that this Website permits access to Content that is protected by copyrights, trademarks, and other proprietary (including intellectual property) rights ("Intellectual Property Rights"), and that these Intellectual Property Rights are valid and protected in all media existing now or later developed and except as is explicitly provided below, your use of Content shall be governed by applicable copyright and other intellectual property laws. You acknowledge that the PayCentre website owns a copyright in the "look and feel," i.e., the selection, coordination, arrangement and presentation of such Content.

            (b) You may not modify, copy, reproduce, transmit, distribute, publish, create derivative works from, display or otherwise transfer or commercially exploit any of the Content, in whole or in part, provided, however, that you may (i) make a reasonable number of digital or other form of copies to permit your computer hardware and software to access and view the Content, (ii) print one copy of each piece of Content, (iii) make and distribute a reasonable number of copies of Content, in whole or in part, in hard copy or electronic form for internal use only. Any permitted copies of Content must reproduce in an unmodified form any notices contained in the Content, such as all Intellectual Property Right notices, and an original source attribution to "The PayCentre Website" and its URL address. You acknowledge that this Website, its Contributors, and/or Users remain the owners of the Content and that you do not acquire any Intellectual Property Rights by downloading or printing Content.
            2.2 Content Provided by User

            You may upload to any Interactive Area or otherwise transmit, post, publish, reproduce or distribute, on or through this Website, only Content not subject to any Intellectual Property Rights, or Content in which any holder of Intellectual Property Rights has given express authorization for distribution over the Internet and on the PayCentre Website, without restriction whatsoever. Any Content submitted with the consent of a copyright owner other than you should contain a phrase such as "Copyright owned by [name of owner]; Used by Permission." By submitting Content to any Interactive Area, you automatically grant and/or warrant that the owner of such Content, whether it be You or a third party, has expressly granted to PayCentre the royalty-free, perpetual, irrevocable, non-exclusive, unrestricted, worldwide right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, sublicense, distribute, perform, and display such Content, in whole or in part, worldwide and/or to incorporate it in other works in any form, media, or technology now known or later developed for the full term of any Intellectual Property Rights that may exist in such Content. You also permit PayCentre to sublicense to third parties the unrestricted right to exercise any of the foregoing rights granted with respect to such Content. You also permit any User to access, view, store and reproduce the Content for personal use. 

            3. Interactive Areas 

            You acknowledge that the PayCentre website may include various interactive areas ("Interactive Areas"), including but not limited to classifieds. These Interactive Areas allow feedback to this website and real-time interaction between users. You further understand that PayCentre does not control the messages, information, or files delivered to such Interactive Areas and that this may offer you and other Users the capability of creating and managing an Interactive Area. However, neither PayCentre, its parent company, nor their respective directors, officers, employees and agents are responsible for Content within any Interactive Area. Your use and/or management of an Interactive Area will be governed by this Agreement and any additional rules or operating procedures of any Interactive Area established by you or another User, as applicable. You also recognize that PayCentre cannot, and does not intend to, screen communications in advance. Moreover, because this website encourages open and candid communication in the Interactive Areas, PayCentre cannot determine in advance the accuracy or conformance to this Agreement of any Content transmitted in an Interactive Area. The Guaranty This website is not responsible for screening, policing, editing, reviewing or monitoring any Content in an Interactive Area. Notwithstanding the above, you agree that PayCentre has the right to monitor any Interactive Area, from time to time and to disclose any information as necessary to satisfy any law, regulation or other governmental request, to operate the Interactive Area, or to protect itself or other Users. If notified of Content that is alleged not in conformity with this Agreement, PayCentre may investigate the allegation and determine in its sole discretion whether to remove or request the User to remove such Content. PayCentre reserves the right to prohibit conduct, communication or Content within an Interactive Area, or to edit, refuse to post, or to remove any Content, in whole or in part, which it deems in its sole discretion to (i) violate the standard and provisions of this Agreement or any other standard, written PayCentre Website policy in effect, (ii) be harmful to the rights of any User, PayCentre, or other third parties, (iii) violate applicable law, or (iv) be otherwise objectionable. 

            4. Termination 

            The only right with respect to dissatisfaction with any policies, guidelines, or practices of PayCentre in operating this website, or any change in Content, is for you to discontinue accessing it. PayCentre may terminate or temporarily suspend your access to all or any part of the website, without notice, for conduct that we believe is a violation of this Agreement or any policies or guidelines posted by us or for other conduct which is in our sole discretion, is harmful to PayCentre or other Users. We may discontinue operating this website and terminate this Agreement without notice at any time for any reason in our sole discretion. In the event of termination, you are no longer authorized to access the website, including the Interactive Areas, and the restrictions imposed on you with respect to Content downloaded from the PayCentre Website, as well as the disclaimers and limitations of liabilities set forth in this agreement, shall survive.	

            5.1 Links.

            You understand that except for Content, products or services expressly available on the PayCentre Website, neither PayCentre, its subsidiary/affiliates, or their respective directors, officers, employees, and agents’ controls, provides, or is responsible for any Content, goods or services available through sites on the Internet linked to or from the PayCentre Website. All such Content, goods and services are made accessible on the Internet by independent third parties and are not part of this website nor con controlled by us. PayCentre neither endorses nor is responsible for the accuracy, completeness, usefulness, quality or availability of any Content, goods or services available on any site linked to or from our website, which are the sole responsibility of such independent third parties, and your use thereof is solely at your own risk. Neither us, our subsidiaries, affiliates, nor directors, officers, employees, and agents shall be held responsible or liable, directly or indirectly, for any loss or damage caused or alleged to have been caused by your use of or reliance on any Content, goods or services available on any site linked to or from the PayCentre Website or your inability to access the Internet or any site linked to or from this website.
            5.2 Disclaimer of Warranties. 

            Please use your best judgment in evaluating all information contained or opinions expressed on this website. It is our policy not to endorse or oppose any opinion expressed by a User or Content provided by a User, Contributor, or other independent party. You expressly agree that your use of this website is at your sole risk. Neither PayCentre nor any of its parent company nor affiliates, or their respective directors, officers, employees, agents, contractors, affiliates, licensors or other suppliers providing content, data, information or services warrants that this website or any internet site linked to or from it will be uninterrupted or error free, that defects will be corrected, or that this site, including the interactive areas, or the server that makes it available are free of viruses or other harmful components. Neither or do any of us make any warranty as to the results that may be obtained from the use of this website or any internet site linked to or from it or as to the timeliness, sequence, accuracy, authority, completeness, usefulness, non-infringement, reliability, availability, or substance of any content, information, service, or transaction provided through this website or any site linked to it. This website is provided on an "as is," "as available" basis, without warranties of any kind, either express or implied, including, without limitation, those of merchantability and fitness for a particular purpose. 
            5.3 Limitation of Liability.

            Under no circumstances shall PayCentre, its parent company, or affiliates, or their respective directors, officers, employees, agents, contractors, or licensors, be liable for any direct or incidental, special or consequential damages under or arising from this agreement, the PayCentre website, or any Internet site linked to or from the PayCentre website, whether for breach of contract, tortuous behavior, negligence, or under any other cause of action, including without limitation, any liability for damages caused or allegedly caused by any failure of performance, error, omission, interruption, electrical surge/damage/interference, deletion, defect, delay in operation or transmission, computer virus, communications line failure, breakdown of equipment, software error, infringement, unauthorized access to, or theft, destruction, alteration, or use of, records. 
            Under no circumstances shall PayCentre, its subsidiary and parent companies, or affiliates, or their respective directors, officers, employees, agents, contractors, or licensors, be liable to you or any other third party for any decision made or action taken by you in reliance on the content contained within the PayCentre website or the content contained within any Internet site linked to or from it. The content within the PayCentre website and the content within Internet sites linked to or from the PayCentre Website may include technical or other inaccuracies or typographical errors. Changes are periodically added to the content herein; these changes will be incorporated in new versions of the PayCentre website and specifically are included in this section agreement. PayCentre and its contributors may make improvements and/or changes in the content at any time and from time to time. 
            You specifically acknowledge and agree that the PayCentre is not liable for any defamatory, offensive, fraudulent, or otherwise illegal conduct of any user. If you are dissatisfied with any content on this Website, or with the access agreement of the PayCentre website, in whole or in part, your sole and exclusive remedy is to discontinue its usage. 

            6. Indemnity 

            You agree to indemnify and hold PayCentre, its subsidiary companies and affiliates, and their respective directors, officers, employees, and agents from any and all liabilities, claims and expenses, including reasonable attorney fees, arising from breach of this Agreement, any other policy, your use or access of the PayCentre website or any Internet site linked to or from the PayCentre website, or in connection with the transmission of any Content on this Website. 

            7. Miscellaneous 

             This Agreement comprises the entire agreement between PayCentre and you, and supersedes any prior agreements with respect to the subject matter herein. PayCentre may revise this Agreement or any other policy at any time and from time to time, and such revision shall be effective two (2) days upon posting notice of such revision prominently on the PayCentre website. You agree to review this Agreement periodically to be aware of such revisions. If any such revision is unacceptable to you, you must discontinue accessing the PayCentre website.  
             Your continued accessing and use of the PayCentre website following notice of any such revision shall conclusively be deemed acceptance of all such revisions. The provisions of Sections 1.2, 2.1, 2.2, 5.1, 5.2, 5.3, 6 and 7 shall survive the termination or expiration of this Agreement. If any provision of this Agreement or any other policy be held invalid or unenforceable, that portion shall be construed in accordance with applicable law as nearly as possible to reflect the original intention of the parties and the remaining portions will continue in full force and effect. The failure of PayCentre to insist upon or enforce strict performance of any provision of this Agreement shall not be construed as a waiver of any provision or right. This Agreement shall be governed by the laws of the state or province of domicile of PayCentre, excluding its conflict of laws rules, and you and the PayCentre website each submit to the exclusive jurisdiction of the courts of that state or province. 
             This Agreement is personal to you and you may not assign your rights or obligations thereunder to anyone. All logos, brand names, products, trademarks and service marks appearing herein may be the trademarks or service marks of their respective owners. References to any trademark, service mark and links to or from the PayCentre website have been done strictly for clarification and identification and does not constitute endorsement by PayCentre of the products, services or information offered by the owner of such trademark, service mark or link or endorsement of PayCentre by such trademark, service mark or link owner. 
2022 Electronic Settlement Limited. All rights reserved
PayCentre is an innovative agent banking solution targeted at driving financial inclusion in under banked and financially under-served locations in Nigeria
2022 Electronic Settlement Limited. All rights reserved
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