INTRODUCTION

These terms and conditions govern the use of this website; by using this website, you hereby accept these terms and conditions in full and without any reservation. If you disagree with these terms and conditions or any part of these terms and conditions, then you must not use this website.

Furthermore, you must be at least 18 [eighteen] years of age to use this website. By using this website and by agreeing to these terms and conditions, you hereby warrant and represent that you are at least 18 years of age.

LICENSE TO USE WEBSITE

Unless otherwise stated, Interswitch Limited and/or its licensors own the intellectual property rights published on this website and materials used on www.interswitchng.com.

Subject to the license below, all these intellectual property rights are reserved. You may view, download for caching purposes only, and print pages, files or other content from the website for your own personal use, subject to the restrictions set out below and elsewhere in these terms and conditions.

You must not:

• republish material from this website in neither print nor digital media or documents (including republication on another website);
• sell, rent, or sub-license material from the website;
• show any material from the website in public;
• reproduce, duplicate, copy or otherwise exploit material on this website for a commercial purpose;
• edit or otherwise modify any material on the website;
• redistribute material from this website - except for content specifically and expressly made available for redistribution; or
• republish or reproduce any part of this website through screenshots.

Where content is specifically made available for redistribution, it may only be redistributed within your organization.

ACCEPTABLE USE

This website must not be used in any way that causes, or may cause, damage to the website or impairment of the availability or accessibility of www.interswitchng.com or in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity.

This website must not be used to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan, or other malicious computer software. You must not conduct any systematic or automated data collection activities on or in relation to this website without Interswitch Limited's express written consent. E.g. scraping, data mining, d ata extraction, data harvesting, screenshots.

This website or any part thereof must not be used to transmit or send unsolicited commercial communications, nor must it be used for any purposes related to marketing without the express written consent of Interswitch Limited.

RESTRICTED ACCESS

Access to certain areas of this website is restricted. Interswitch Limited reserves the right to restrict access to certain areas of this website, or at our discretion, this entire website.

Interswitch Limited may change or modify this policy without notice. If Interswitch Limited provides you with a user ID and password to enable you to access restricted areas of this website or other content or services, you must ensure that the user ID and password are kept confidential. You alone are responsible for your password and user ID security. Interswitch Limited may disable your user ID and password at its sole discretion without notice or explanation.

USER CONTENT

In these terms and conditions, “your user content” means material (including without limitation text, images, audio material, video material, and audio-visual material) that you submit to this website, for whatever purpose. You grant to Interswitch Limited a worldwide, irrevocable, non-exclusive, royalty-free license to use, reproduce, adapt, publish, translate, and distribute your user content in any existing or future media. You also grant to Interswitch Limited the right to sub-license these rights, and the right to bring an action for infringement of these rights. Your user content must not be illegal or unlawful, must not infringe any third party’s legal rights, and must not be capable of giving rise to legal action whether against you or Interswitch Limited or a third party (in each case under any applicable law).

You must not submit any user content to the website that is or has ever been the subject of any threatened or actual legal proceedings or another similar complaint. Interswitch Limited reserves the right to edit or remove any material submitted to this website, or stored on its servers, or hosted or published upon this website. In relation to user content, Interswitch Limited under these terms and conditions does not undertake to monitor the submission of such content to, or the publication of such content on, this website.

NO WARRANTIES

This website is provided “as is” without any representations or warranties, express or implied. Interswitch Limited makes no representations or warranties in relation to this website or the information and materials provided on this website. Without prejudice to the generality of the foregoing paragraph, Interswitch Limited does not warrant that:

• this website will be constantly available, or available at all; or
• the information on this website is complete, true, accurate, or non-misleading.

Nothing on this website constitutes or is meant to constitute, advice of any kind. If you require advice in relation to any legal, financial, or medical matter you should consult an appropriate professional.

LIMITATIONS OF LIABILITY

Interswitch Limited will not be liable to you (whether under the law of contact, the law of torts or otherwise) in relation to the contents of, or use of, or otherwise in connection with, this website:

• to the extent that the website is provided free-of-charge, for any direct loss;
• for any indirect, special, or consequential loss; or
• for any business losses, loss of revenue, income, profits or anticipated savings, loss of contracts or business relationships, loss of reputation or goodwill, or loss or corruption of information or data.

These limitations of liability apply even if Interswitch Limited has been expressly advised of the potential loss.

EXCEPTIONS

Nothing in this website disclaimer will exclude or limit any warranty implied by law and which is unlawful to exclude or limit, and nothing in this website disclaimer will exclude or limit the liability of Interswitch Limited in respect of any:

• death or personal injury caused by the negligence of Interswitch Limited or its agents, employees or shareholders/owners;
• fraud or fraudulent misrepresentation on the part of Interswitch Limited; or
• the matter which it would be illegal or unlawful for Interswitch Limited to exclude or limit, or to attempt or purport to exclude or limit, its liability.

REASONABLENESS

By using this website, you agree that the exclusions and limitations of liability set out in this website disclaimer are reasonable. If you do not think they are reasonable, you must not use this website.

OTHER PARTIES

You accept that, as a limited liability entity, Interswitch Limited has an interest in limiting the personal liability of its officers and employees. You agree that you will not bring any claim personally against Interswitch Limited's officers or employees in respect of any losses you suffer in connection with the website. Without prejudice to the foregoing paragraph, you agree that the limitations of warranties and liability set out in this website disclaimer will protect Interswitch Limited’s officers, employees, agents, subsidiaries, affiliates, successors, assigns, and sub-contractors.

UNENFORCEABLE PROVISIONS

If any provision of this website disclaimer is or is found to be, unenforceable under applicable law, that will not affect the enforceability of the other provisions of this website disclaimer.

INDEMNITY

You hereby indemnify Interswitch Limited and undertake to keep Interswitch Limited indemnified against any losses, damages, costs, liabilities, and expenses (including without limitation legal expenses and any amounts paid by Interswitch Limited to a third party in settlement of a claim or dispute on the advice of Interswitch Limited's legal advisers) incurred or suffered by Interswitch Limited arising out of any breach by you of any provision of these terms and conditions, or arising out of any claim that you have breached any provision of these terms and conditions.

BREACHES OF THESE TERMS AND CONDITIONS

Without prejudice to Interswitch Limited's other rights under these terms and conditions, if you breach these terms and conditions in any way, Interswitch Limited may take such action(s) it deems appropriate to deal with the breach, including suspending your access to the website, prohibiting you from accessing the website, blocking computers using your IP address from accessing the website, contacting your Internet service provider to request that they block your access to the website and/or bringing court proceedings against you.

VARIATION

Interswitch Limited may revise these terms and conditions from time-to-time. Revised terms and conditions will apply to the use of this website from the date of the publication of the revised terms and conditions on this website. Please check this page regularly to ensure you are familiar with the current version..

ASSIGNMENT

Interswitch Limited may transfer, sub-contract, or otherwise deal with its rights and/or obligations under these terms and conditions without notifying you or obtaining your consent. You may not transfer, sub-contract, or otherwise deal with your rights and/or obligations under these terms and conditions.

Entire agreement

These terms and conditions, together with Interswitch Limited's Privacy Policy constitute the entire agreement between you and Interswitch Limited in relation to your use of this website and supersede all previous agreements in respect of your use of this website.

LAW AND JURISDICTION

These terms and conditions will be governed by and construed in accordance with the laws of the Federal Republic of Nigeria, and any disputes relating to these terms and conditions will be subject to the exclusive jurisdiction of the courts thereof.

Integrated Management System

At Interswitch Limited, we are committed to delivering integrated digital payment solutions and transactional services that consistently satisfy the requirements of our customers and exceed their expectations.

This is accomplished through the effective implementation and continual improvement of an Integrated Management System (IMS) that ensures compliance with the requirements of the ISO 9001:2015, ISO 22301, ISO 20000, ISO 27001, and ISO 45000 standards, conveying exceptional competence and committed workforce in all areas of our operations to meet all legal and applicable regulatory requirements.

These policies set the framework for the establishment and review of our IMS objectives.