These Website Terms and Conditions (“Terms”) contained herein on this webpage, shall govern your
access to and use of this website, including all pages within this website (collectively referred to as
this “Website”). These Terms apply in full force and effect to your use of this Website and by using
this Website, you expressly accept all terms and conditions contained herein in full. You must not use
this Website, if you have any objection to any of these Terms.
PLEASE READ AND UNDERSTAND THE TERMS OF AGREEMENT CAREFULLY BEFORE BEING
AGREED TO BE BOUND BY ITS TERMS.
Age Restriction Our website and services are directed to people from the ages of 18 and above. We do not knowingly
engage in people younger than the age of 18.
Intellectual Property Unless otherwise stated, Payfric.com and/or its licensors own the intellectual property rights and
materials on the website subject to the license below. We do not grant you any right, license, title or
interest to any of our intellectual Property rights which you may or may not have access to. You agree
to take such actions including any legal or official document or other documents that may be needed
to further affirm our intellectual property rights.
License to Use Our Website
We grant you a non-assignable, non-exclusive and revocable license to use the software provided as
part of our services in the manner permitted by these Terms. This license grant includes all updates,
upgrades, new versions and replacement software for you to use in connection with our services.
The services are protected by copyright, trademark, and other laws of both Nigeria and foreign
countries. Nothing in this Term gives you a right to use the Payfric.com name or any of Payfric.com’s
trademarks, logos, domain names, and other distinctive brand features. All right, title and interest in
and to the services are and will remain the exclusive property of Payfric.com and its licensors.
If you do not comply with all the provisions, then you will be liable for all resulting damages suffered
by you, Payfric.com and all third parties. Unless otherwise provided by applicable law, you agree not
to alter, re-design, reproduce, adapt, display, distribute, translate, disassemble, reverse engineer, or
otherwise attempt to create any source code that is derived from the software.
Any feedback, comments, or suggestions you may provide to us and our services is entirely voluntary
and we will be free to use such feedback, comments or suggestion as we see fit without any
obligation to you.
Who May Use Our Services? You may use the Services only if you agree to form a binding contract with Payfric.com and are not a
person barred from receiving services under the laws of the applicable jurisdiction. If you are
accepting these Terms and using the Services on behalf of a company, business, or organization, you
represent and warrant that you are authorized to do so.
PAYFRIC.COM WILL ALWAYS ENSURE THAT THE WEBSITE IS AVAILABLE AT ALL TIMES
AND BUG FREE. HOWEVER, IT IS USED AT YOUR OWN RISK
WE PROVIDE ALL MATERIALS “AS IS” WITH NO WARRANTY, EXPRESS OR IMPLIED, OF ANY
KIND. WE EXPRESSLY DISCLAIM ANY AND ALL WARRANTIES AND CONDITIONS, INCLUDING
ANY IMPLIED WARRANTY OR CONDITION OF MERCHANTABILITY, FITNESS FOR A
PARTICULAR PURPOSE, AVAILABILITY, SECURITY, TITLE, AND NON-INFRINGEMENT OF
INTELLECTUAL PROPERTY RIGHTS, WITHOUT LIMITING THE GENERALITY OF THE
FOREGOING, RAVEPAY MAKES NO WARRANTY THAT OUR WEBSITE AND SERVICES WILL
MEET YOUR REQUIREMENTS OR THAT OUR WEBSITE WILL REMAIN FREE FROM ANY
INTERRUPTION, BUGS, INNACCURACIES, AND ERROR FREE. YOUR USE OF OUR SERVICES
ARE AT YOUR OWN RISK AND YOU ALONE WILL BE RESPONSIBLE FOR ANY DAMAGE THAT
RESULTS IN LOSS OF DATA OR DAMAGE TO YOUR COMPUTER SYSTEM. NO ADVICE OR
INFORMATION, WHETHER ORAL OR WRITTEN OBTAINED BY YOU FROM OUR WEBSITE OR
OUR SERVICES WILL CREATE ANY WARRANTY OR CONDITION NOT EXPRESSLY STATED.
Limitation of Liability YOU AGREE TO THE LIMITATION LIABILITY CLAUSE TO THE MAXIMUM EXTENT PERMITTED
BY APPLICABLE LAW: PAYFRIC.COM WILL IN NO WAY BE LIABLE FOR ANY DIRECT,
INDIRECT, INCIDENTAL PUNITIVE, CONSEQUENTIAL, SPECIAL OR EXEMPLARY DAMAGES
OR ANY DAMAGES INCLUDING DAMAGES RESULTING FROM REVENUE LOSS, PROFIT LOSS,
USE, DATA, GOODWILL , BUSINESS INTERRUPTION OR ANY OTHER INTANGIBLE LOSSES
(WHETHER PAYFRIC.COM HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES
OR NOT) ARISING OUT OF PAYFRIC.COM’S WEBSITE OR SERVICES (INCLUDING, WITHOUT
LIMITATION TO INABILITY TO USE, OR ARISING FROM THE RUSULT OF USE OF
PAYFRIC.COM’S WEBSITE OR SERVICES) WHETHER SUCH DAMAGES ARE BASED ON
WARRANTY, TORT, CONTRACT, STATUTE OR ANY OTHER LEGAL THEORY.
SOME JURISDICTIONS DO NOT ALLOW EXCLUSION OF CERTAIN WARRANTIES OR
LIMITATIONS ON THE SCOPE AND DURATION OF SUCH WARRANTIES, SO THE ABOVE
DISCLAIMERS MAY NOT APPLY TO YOU IN THEIR ENTIRITIES, BUT WILL APPLY TO THE
MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.
You hereby indemnify Payfric.com and undertake to keep Payfric.com indemnified against any losses,
damages, costs, liabilities and expenses (including without limitation to reasonable legal fees) arising
out of any breach by you of any provision of these Terms, or arising out of any claim that you have
breached any provision of these Terms.
Breaches of these Terms
Without prejudice to Payfric.com’s other rights under these Terms, if you breach these Terms in any
way, Payfric.com may take such action as Payfric.com 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
services. A cookie is a small data file that is transferred to your computer or mobile device. It enables
us to remember your account log-in information, IP addresses, web traffic, number of times you visit,
date and time of visits.
Some browsers may automatically accept cookies while some can be modified to decline cookies or
alert you when a website wants to place a cookie on your computer. If you do choose to disable
cookies, it may limit your ability to use our website.
These Terms shall be interpreted and governed in accordance with the Laws of the State of California
and you submit to the non-exclusive jurisdiction of the State and Federal Courts located in California
for the resolution of any dispute.
We may revise these Terms from time to time. The changes will not be retroactive, and the most
current version of the Terms which will always be on www.Payfric.com.com will govern our relationship
with you. We will also try to notify you of any material changes which could be done via email
associated with your account or service notification. By continuing to use our services after the
changes become effective, you agree to be bound by the revised Terms.
In the event that any of these Terms is held to be invalid or unenforceable, then that provision will be
limited or eliminated to the minimum extent necessary, and the remaining provisions of these Terms
will remain in full effect. Payfric.com’s failure to enforce any right or provision of these Terms will not
be deemed a waiver of such right or provision.
PROHIBITED AND REQUIRING PRE-APPROVAL SUB-MERCHANT TYPES
SUB-MERCHANTS REQUIRING PRE-APPROVAL
Payfric.com shall not solicit or sign agreements with merchants or sub-merchants (i) in any of the
following categories/businesses, or (ii) engaging in any of the following activities unless the
Payfric.com is entering into a broad-based program with a recognized referral, technology or
marketplace partner that specializes in these types of activities or businesses and such program is
pre-approved by Payfric.com in its sole discretion:
a. Age Restricted Products or Services.
b. Any Sub-merchant where the anticipated % of International Card Sales is expected to be
greater than 20% of total sales.
c. Bail Bond Services or Bankruptcy Lawyers.
d. Crowd Sourced Fundraising, as defined by Payfric.com from time to time, except however,
Crowd Sourced Fundraising shall not be allowed for the purchase of stock or equity, a
promise made to deliver a good or service in the future, or there is no consideration in return
for the payment or donation.
e. Dating Services.
f. NGO / Charities.
g. Money Transfer, Wire Transfers, Money Orders, Transmitters, and Check Cashing including
merchants unless registered and licensed as a Money Service Business or Money Transfer
h. Payment Facilitators (unless Registered & Licensed)
i. Personal Enhancement Products and/or Nutraceuticals.