TERMS AND CONDITIONS FOR OneNUMBA

The OneNUMBA Platform is a financial service platform that allows you access financial and digital services via all the OneNUMBA Channels which includes- USSD, Website and Mobile Application.

OneNUMBA’s main business is the provisioning of all phone numbers to Utilities, Airtime and Universal Financial Inclusion Payment Services NUBANs (Bank Accounts). OneNUMBA also provides other financial and related services. These services are collectively referred to as the service.

To use our service, you will need access to a mobile phone.

By using the OneNUMBA Platforms the Customer agrees to abide by the Terms & Conditions shown below.

1. TERMS AND CONDITIONS OF USE

Welcome to OneNUMBA.com (“OneNUMBA”, “Our”, “We”). When a Customer (“You”) uses the OneNUMBA platform, such customer has agreed to these Terms and Conditions as amended at any time and posted on the website (https://onenumba.ng). In addition, your use of the Platform shall be subject to any applicable regulatory guidelines or rules. All such guidelines or rules are hereby incorporated by reference into the Terms and Conditions.

2. CUSTOMER ACCOUNT

a. You shall register to become a user of the Website only if You are of the age of 18 or above and can enter binding contracts as per Applicable Laws.

b. You are responsible for maintaining the secrecy of Your passwords, login and account information. You will be responsible for all use of the OneNUMBA Services by You and anyone using Your password and login information (with or without our permission). You are responsible for maintaining the confidentiality of any login information and secure access credentials associated with Your OneNUMBA account.

c. You also agree to provide true, accurate, current and complete information about Yourself as and when prompted by OneNUMBA. If You provide any information that is untrue, inaccurate, not updated or incomplete (or becomes untrue, inaccurate or incomplete), or OneNUMBA has reasonable grounds to suspect that such information is untrue, inaccurate, not updated or incomplete, OneNUMBA shall have the right to suspend or terminate Your account and/or refuse any and all current or future use of the Website (or any portion thereof) or Services in connection thereto.

d. By making use of the OneNUMBA platforms, and furnishing Your contact details, You hereby agree that OneNUMBA may contact You either electronically or by phone, to understand Your interest in the selected products and Services and to fulfil Your demand or complete Your application.

e. You agree and authorize OneNUMBA to share Your information and make Your details available to its partner banks/financial institutions, its group companies, affiliates, vendors, service providers and other third parties, in so far as required for providing various products and services and/or to provide You with various value-added services, in association with the Services selected by You or generally otherwise.

f. You agree and acknowledge that for undertaking any payment and/or financial transaction through the OneNUMBA Platform, OneNUMBA may undertake due diligence measures and seek information required for Know-Your- Customer (“KYC”) purpose which as a customer/merchant You are obliged to give in accordance with Applicable Laws.

g. You agree and acknowledge that OneNUMBA can undertake enhanced due diligence measures (including any documentation), to satisfy itself relating to its due diligence requirements in line with the requirements and obligations under Applicable Laws.

h. You are solely responsible for understanding and complying with all applicable laws of Your specific jurisdiction, including but not limited to the provisions all Know Your Customer (KYC) / Anti-Money Laundering (AML) / Combating Financing of Terrorism (CFT) guidelines etc., that may be applicable to You in connection with Your business and use of Services.

i. You agree and covenant that before the commencement of any Service(s) under these Terms, You shall provide the necessary documents (as determined in OneNUMBA’s sole discretion or when required by third parties or governmental authorities or law enforcement agencies) (“KYC Documents”) to enable OneNUMBA to conduct the due diligence in respect of inter alia You and Your business/activities.

j. You expressly consent OneNUMBA to rely on the KYC Documents provided by You for providing Services. You further acknowledge and agree that OneNUMBA reserves the right at all times to monitor, review, retain and/or disclose any information in relation to the Service(s) as necessary pursuant to satisfy any Applicable Laws, legal process or governmental request. Your failure to submit the KYC Documents when requisitioned shall entitle OneNUMBA to suspend the Services and/or stop settlement of monies (as applicable) until You submit such KYC Documents to the sole satisfaction of OneNUMBA.

k. Throughout Your use of the Services, You declare that You or Your affiliates and/ or its Beneficial Owner are not a Politically Exposed Person. You shall forthwith inform us in writing if this declaration becomes untrue during any period of Your use of the Services.

l. You agree not to use the OneNUMBA platform and/ or Services for any purpose that is unlawful, illegal or forbidden by these Terms, or any local laws that might apply to You.

m. You are prohibited from posting or transmitting to or through the OneNUMBA Platform: (i) any unlawful, threatening, libellous, defamatory, obscene, pornographic or other material or content that would violate rights of publicity and/or privacy or that would violate any law or that harms minors in any way; (ii) any commercial material or content (including, but not limited to, solicitation of funds, advertising, or marketing of any good or services); (iii) any material or content that infringes, misappropriates or violates any copyright, trademark, patent right or other proprietary right of any third party; (iv) contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer resource; (v) threatens the unity, integrity, defense, security or sovereignty of any Nation, or public order or causes incitement to the commission of any cognizable offence or prevents investigation of any offence or is insulting to any other nation; (vi) impersonates another person; or (vii) is illegal in any other way. You shall be solely liable for any damages resulting from any violation of the foregoing restrictions, or any other harm resulting from Your posting of content to this Website.

n. You represent and warrant that:

(a) You have the full legal capacity and power to enter, exercise Your rights under, and perform Your obligations under these Terms.

(b) The execution, delivery and performance of these Terms has been authorized by all necessary corporate and organizational actions including but not limited to board resolution and/or power of attorney and/or letter of authority to bind Your business and Your company/firm/organization.

(c) You have duly accepted these Terms, which form a legal, valid and binding obligation, enforceable in accordance with its clauses.

(d) You do not, and shall not, engage in prohibited investments or credits that can be monetized, re-sold or converted to physical or digital goods or services or otherwise exit the virtual world.

(e) Any breach of this provision shall be subject to immediate suspension or termination of any or all Services, at OneNUMBA’s sole discretion, and You shall be liable to indemnify OneNUMBA from the losses arising from such breach.

o. You acknowledge that the Services are of complex nature and require the intervention of third parties to enable us provide the Service to you. You acknowledge and agree that OneNUMBA shall only be liable for acts or omissions which are solely and directly attributable to OneNUMBA.

p. In order to avail the Services, You shall take all necessary steps to facilitate the integration of OneNUMBA’s solutions with Your platform.

3. CONVENIENCE FEES

Some of the services on this platform would attract a charge. Please click on our FAQ for a description.

4. DAILY LIMITS

Daily limit may be implemented on this platform. Please click on our FAQ for a description.

5. FAILED TRANSACTIONS AND REVERSALS

In the event of a failed transaction (i.e. user has been debited for transaction, but value was not received), please send the following details to us for resolution:-

(a.) user’s mobile number,

(b.) transaction amount,

(c.) transaction date,

(d.) transaction type and

(e.) any other detail we would request to enable us resolve your complaint.

We shall use our best endeavors to liaise with the applicable financial institution, telecommunication company and/or merchant to resolve your logged transaction issue.

6. 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.

7. CASHTOKENS

(a) The CashToken is a consumer loyalty reward commodity. Each Cashtoken entitles its recipient to Guaranteed Instant cash of N 6 (Six Naira) and Automatic entry into the CashToken draw to win between N 5,000 (Five Thousand Naira) and N 100,000,000 (One Hundred Million Naira) in Nigeria.

(b) You shall receive a CashToken upon your use of this OneNUMBA platform and you shall be subject to the terms and conditions applicable to the recipient of a CashToken. These terms and conditions are available at: https://ng.cashtoken.africa/terms-and-conditions

8. SECURITY AND UNAUTHORIZED USE

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

(b) 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.

(d) In the event your Device has been stolen or there is an 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.

(e) In the event your Device has been stolen or there is an unauthorized access to your OneNUMBA account, it is your responsibility to immediately contact us.

(f) If you dispute any purchase or withdrawal on your 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.

9. PRIVACY STATEMENT

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

(b) We shall use our best endeavors to ensure that your personal information is secure on our systems.

providing you the service, processing transactions and sending you related information;
providing, maintaining and improving our services;
sending support and administrative messages to you;
responding to your enquiries and requests;
providing customer service;
updating you on products, services, promotions, rewards, and events offered by us and third parties; and
a better understanding of your needs by combining it with information collected from others with the objective of improving on our service delivery.

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

to regulatory bodies;
to financial institutions;
to companies, such as email service providers that perform marketing services on our behalf;
to third parties to enable us provide Service to you; and
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.

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

10. INDEMNITY

(a) You agree to indemnify OneNUMBA Universal Limited, and its subsidiaries, affiliates, officers, agents and employees for any loss, damages, liabilities, sanction, claims, suits, fines, charges, expenses due to or arising out of any transaction you process through the Platform.

(b) You agree to indemnify OneNUMBA Universal Limited and its subsidiaries, affiliates, officers, agents and employees for any loss, damages, liabilities, sanction, claims, suits, fines, charges, expenses arising from your violation of this Terms and Conditions

11. LIMITATION OF LIABILITY

In no event shall we be liable for:

(a) unavailability of the Platform at any time or your inability to use the Platform.

(b) erroneous input of transaction details.

(c) any loss arising from any failure or delay in any mobile phone networks or internet service provider or defective Device.

(d) any special, indirect, incidental, punitive, or consequential damages, including loss of profits, however, caused.

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 NOR 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.

12. MISCELLANEOUS PROVISIONS

(a) We reserve the right to terminate, change, suspend or discontinue any aspect of the Platform at any time and without notice.

(b) We reserve the right to amend these Terms and Condition at any time and at our sole discretion. We shall give you notice of such amendment by publication of the amended version via the Platform. Your continued access to and use of the Service is your acceptance of and compliance with the updated Terms and Condition. If you disagree with any part of hereof, do not access the Platform.

(c) You are responsible for your connection to the mobile phone networks, the Internet and all costs associated with these connections.

(d) All copyright, trademarks and other intellectual property rights used as part of our services or contained on the Platform belong to us or its licensors. Nothing set forth in this Terms and Condition shall constitute a transfer, license or assignment by us to you of any Intellectual Property Rights owned by us or displayed on the Platform

(e) If any provision of this Terms and Condition is declared unlawful and/or unenforceable by operation of law, any court or authority, such provision be severed from this Terms and Condition and rendered ineffective so far as is possible without modifying the remaining provisions of this Agreement. displayed on the Platform

(f) You agree that regardless of any provision of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Platform or the Terms and Condition must be filed within Six (6) months after such claim or cause of action arose or be forever barred and extinguished

(g) You acknowledge and agree that this Terms and Condition be interpreted and enforced in accordance with the laws of the Federal Republic of Nigeria.

(h) The Parties shall use their best efforts to amicably settle all disputes arising out of or in connection with the performance or interpretation of these Terms and Conditions. Any dispute or differences arising out of the construction, interpretation or performance of the obligations created under this relationship which cannot be settled amicably within one (1) month after receipt by a party of the other party’s request for such amicable settlement shall be submitted to a Court of competent jurisdiction in the Federal Republic of Nigeria.