These Terms and Conditions of Service and any terms expressly incorporated herein (“Terms”) apply to any access to, transactions conducted on including any third-party service(s) provided in connection with 9Pay, or use of any services made available by 9Pay including any subdomain thereof or our mobile applications (collectively, the “Services”).
9Pay (“we”, “us” or “our”) is a mobile payment solution that allows you pay for an exciting array of online services including recharge, utility bills, lottery, apps and digital services on Google Play Store. You can also use 9Pay to collect change digitally and pay for web services. By accessing, browsing and/or using any of the 9Pay Services, you acknowledge that you have read, understood, and agreed to be bound by the Terms as may be reviewed from time to time and to comply with all applicable laws and regulations. The terms and conditions of this Agreement form an essential basis of the bargain between you and us.
The following words used in this Statement of Terms and Conditions, Privacy Statement and Disclaimer Notice and any or all Agreements shall have the following meaning: "User”, “Client", "You" and "Your" refers to you, the person using 9Pay and accepting the Terms. “9Pay”,"Ourselves", “Our”, "We" or "Us", refers to Novacrest Business Solutions Limited and its Partners. "Party", "Parties" refers to both the Client and ourselves, or either the Client or ourselves.
By becoming a User of 9Pay, you agree to be contacted us via communication modes including but not limited to email, SMS, MMS, and telephone calls.
Please carefully review these Terms before using the Services or accessing any data here. Any use of the Services creates a binding agreement to comply with these Terms. If you do not agree to these terms without limitation or exclusions, you must exit this interface immediately.
The 9Pay Services are intended solely for users who are 18 or older and who satisfy the criteria described in these Terms. You represent and warrant that you: (a) are of legal age to form a binding contract (at least 18 years old in Nigeria); (b) have not previously been suspended or removed from using our Services; (c) are sufficiently literate or have had this document interpreted to you in the language you understand and use the Services with the guidance of a literate person; and (d) have full power and authority to agree to these Terms.
In order to use any Services, you must create and maintain an account through the Services (“9Pay Account”). To create or maintain your 9Pay Account, or enable functions on your 9Pay Account, you will be required to provide 9Pay with certain information. You agree to (a) create a unique password; (b) provide complete and accurate information; (c) promptly update any information you have provided so that the information is complete and accurate at all times; (d) maintain the security of your 9Pay Account by protecting your password from unauthorized access or use; (e) promptly notify 9Pay if you discover or suspect any unauthorized access or use of your 9Pay Account or any security breaches related to your 9Pay Account; and (f) be responsible for all activities that occur under your 9Pay Account, and accept all risks of any authorized or unauthorized access to your 9Pay Account.
9Pay may offer optional enhanced security features for your 9Pay Account (including, for example, two-factor authentication). 9Pay encourages, but may not require, you to use any such enhanced security features. If you do enable enhanced security features, it is your responsibility to ensure the security of, and your continuous control over, any device or account that may be associated with the enhanced security features.
You will be bound by, and hereby authorize 9Pay to accept and rely on, any agreements, instructions, orders, authorizations and any other actions made, provided or taken by anyone who has accessed or used your 9Pay Account regardless of whether the access is authorized or unauthorized. Upon receipt of written notice from you that the security of your account has been compromised, 9Pay will take reasonable steps to protect your account, including, for example, to cease to allow actions initiated using any compromised account passwords. But, the first sentence of this section will continue to apply to any other account password, and any substitute password issued to replace the compromised account password.
You also warrant that you own the card used for any transaction on 9Pay or have the authority to perform a debit transaction using the card. You agree to fully indemnify 9Pay for any claims or liabilities for use of the card on 9Pay.
We are an independent contractor for all purposes, providing this website and our services on an independent service provider basis. We do not have control or assume the liability for the products or services that are paid for with our service. We do not guarantee any Seller will complete a transaction.
When you make a purchase using 9Pay, you understand and agree that you are making payment on a designated third-party electronic payment platform using your credit/debit cards or any other valid funding instrument or source. Generally, we accept Visa and Master Credit Card and Debit Cards as mode of payments which are processed through our electronic payment partner(s). By using this payment method, you consent to the following terms:
When you have successfully completed your funding transaction, we will then transfer that value to the appropriate Vendor offering the recharge of the selected mobile operator or the provider of the utility service you paid for. The total price may include taxes all of which you are responsible for funding. We collaborate with a third-party enabler for the recharge and utility billing. As such, you admit that 9Pay is not responsible for any delay, pricing or cancellation of recharge from mobile operators end. However, we use our best endeavour to keep the service above acceptance levels.
User is solely responsible for the selection of the service or the mobile operator and the recharge amount or bills amount. 9Pay is not responsible for the value giving to you in any billing transaction. The amount, quantity or value ascribed to the payment made is purely and entirely within the control of the service provider or operator. You are advised to review the pricing and/or billing methodology of your preferred service provider, vendor or operator before making any purchase.
The information on this app and any affiliated website is provided on an "as is" basis. To the fullest extent permitted by law, this Company:
You acknowledge that 9Pay is not your professional advisor and has no fiduciary relationship or obligation to you in connection with any transactions or other decisions or activities effected by you using the Services. No communication, feature or information provided to you by 9Pay is intended as, or shall be considered or construed as, advice.
You agree to defend, indemnify, and hold 9Pay, its officers, directors, employees, agents, licensors, and suppliers, harmless from and against any claims, actions or demands, liabilities and settlements including without limitation, reasonable legal and accounting fees, resulting from, or alleged to result from, your violation of these Agreement.
9Pay reserves the right to amend this Agreement at any time and will notify you of any such changes by posting the revised Agreement on the Site. You should check this Agreement on the Site periodically for changes. All changes shall be effective upon posting. Your continued use of the Site after any change to this Agreement constitutes your agreement to be bound by any such changes.
If you do not agree to any modification to these Terms, you must stop using the Services. 9Pay encourages you to frequently review the Terms to ensure you understand the terms and conditions that apply to your access to, and use of, the Services. We may terminate, suspend, change, or restrict access to all or any part of this Site without notice or liability. If you have any question regarding the use of the Site or Services, please contact our Support Team.
9Pay will own any feedback, suggestions, ideas, or other information or materials regarding 9Pay or the Services that you provide, whether by email, posting through the Services or otherwise (“Feedback”). You hereby assign to 9Pay all right, title and interest to Feedback together with all associated intellectual property rights. You will not be entitled to, and hereby waive any claim for, acknowledgment or compensation based on any Feedback or any modifications made based on any Feedback.
Neither party shall be liable to the other for any failure to perform any obligation under any Agreement which is due to an event beyond the control of such party including but not limited to any Act of God, terrorism, war, political or religious insurgence, insurrection, riot, civil unrest, act of civil or military authority, uprising, earthquake, flood or any other natural or man-made eventuality outside of our control, which causes the termination of an agreement or contract entered into, nor which could have been reasonably foreseen.
Any Party affected by such event shall forthwith inform the other Party of the same and shall use all reasonable endeavours to comply with the terms and conditions of any Agreement contained herein.
The invalidity or unenforceability of any of these Terms shall not affect the validity or enforceability of any other of these Terms, all of which shall remain in full force and effect.
Headings of sections are for convenience only and shall not be used to limit or construe such sections.
These Terms contain the entire agreement, and supersede all prior and contemporaneous understandings between the parties regarding the Services. In the event of any conflict between these Terms and any other agreement you may have with 9Pay, these Terms will control unless the other agreement specifically identifies these Terms and declares that the other agreement supersedes these Terms.
The interpretation and enforcement of these Terms, and any dispute related to these Terms or the Services, will be governed by and construed and enforced in accordance with the laws of the Federal Republic of Nigeria. You agree that the Company may initiate a proceeding related to the enforcement or validity of the Company’s intellectual property rights in any court having jurisdiction.
With the exception only of disputes related to the enforcement or validity of 9Pay’s intellectual property rights, all disputes, controversies or claims arising out of or relating to these Terms or the Services, will be resolved through confidential binding arbitration.
YOU ACKNOWLEDGE THAT YOU HAVE READ THIS PROVISION CAREFULLY, AND UNDERSTAND THAT IT LIMITS YOUR RIGHTS IN THE EVENT OF A DISPUTE BETWEEN YOU AND US. YOU UNDERSTAND THAT YOU HAVE THE RIGHT TO REJECT THIS PROVISION, AS PROVIDED IN PARAGRAPH (i) BELOW.
You agree that any dispute arising out of or related to these Terms or the Services is personal to you and 9Pay and that any dispute will be resolved solely through individual arbitration and will not be brought as a class arbitration, class action or any other type of representative proceeding.
Welcoming the 9pay Credit Plus offering which allows only 9pay registered ‘premium’ customer’s access credit facility for individuals and organisations. However as a User to qualify & be eligible for this credit facility you must have met the following conditions to qualify as a premium customer.