Terms and Conditions

These terms and conditions, together with any documents they expressly incorporate by reference (collectively, these "Terms") govern your access and use of Website https://blinqpay.io/ and its subdomains (collectively, "Website") or using or downloading our mobile application (the "Blinqchat App"), including any content, component, functionality and/or service offered on or through the Website or Blinqchat App (collectively and together with Website and Blinqchat App, the "Platform") owned and controlled by Blinqpay Limited a Nigerian company ("Blinqpay") ("Company" or "Blinqpay" or "we" or "our" or "us"), whether proffered as a guest or registered user of the Platform (a "user" or "User").

All references to "you or "your," as applicable, mean a user and/or the person who accesses, uses and/or participates in Platform in any manner, and such Person's heirs, assigns, and successors. If you use Platform on behalf of an entity, "you" or "your," as applicable, means that entity and its affiliates and their respective directors, officers, employees, and agents.

a. Acceptance of these Terms:

By using or downloading the blinqchat app or accessing or using the website you indicate your acceptance of the following terms on your own behalf and on behalf of any organization you represent. if you do not agree to these terms (or any updates to or modified versions thereof), you should discontinue the use of the platform immediately. you also understand and accept that by using the static account payment channel ("payment channel") on the platform/ the website (as may be applicable) to fund your wallet on the platform/website ("blinqpay wallet"), you are agreeing to the conversion of your local currency to united states dollars at the prevailing market rate of exchange as determined by blinqpay from time to time. you also accept sole responsibility for confirming the prevailing market rate of exchange prior to initiating the payment channel to your blinqpay wallet. if you do not agree to these terms, please do not proceed in using the payment channel.

b. Acceptance of terms of Static Account Payment Channel:

You also understand and accept that by using the static account payment channel ("payment channel") on the platform/ the website (as may be applicable) to fund your wallet on the platform/website ("blinqpay wallet"), you are agreeing to the conversion of your local currency to united states dollars or any other conversion of one currency to another currency at the prevailing market rate of exchange as determined by blinqpay from time to time. you also accept sole responsibility for confirming the prevailing market rate of exchange prior to initiating the payment channel to your blinqpay wallet. if you do not agree to these terms, please do not proceed in using the payment channel.

c. Your Duty to Regularly Review these Terms:

Your use of the Platform is governed by the version of the Terms in effect on the date the Platform is accessed by you. The company may modify these Terms at any time and without prior notice. You should review the most current version of these Terms by visiting Platform and clicking on the Terms and Conditions hyperlink.

d. Third-Party Provider Services:

The Platform may offer you the option to enter into relationships and agreements with Third-Party Providers for access to additional services. As a condition to having access to those Third-Party Provider services, you may be required to enter into various agreements with a Third-Party Provider such as, for example, any customer, service, or account agreements. We recommend you read and understand any agreement to be entered into with such a third party. BLINQPAY SHALL NOT BE RESPONSIBLE FOR THIRD-PARTY AGREEMENTS RELEVANT FOR ACCESSING THIRD-PARTY SERVICES.

To use our website and services, you must be at least 18 years old and capable of entering into a legally binding agreement. We do not knowingly transact or provide any services to children under 18 years. You represent and warrant that you are 18 years of age or older and are fully able and competent to enter, and abide by, the contract created by these Terms of Use.

Accounts:

a. To access or use some of the features on the Platform, you will be required to log in to and create an account (your "Account") at https://blinqpay.io/ or the Blinqpay App.

Platform practices governing any resulting collection and use of your personal information are disclosed in our Privacy Policy which can be found here https://blinqpay.io/privacy-policy . You will select your password at the time of registration (or we may send you an e-mail notification with a randomly generated initial password) and you agree that:

b. If any information that you provide, or if we have reasonable grounds to suspect that any information that you provide, is false, inaccurate, outdated, incomplete, or violates these Terms or any applicable law, then we may immediately suspend or terminate your account. We also reserve the more general and broad right to terminate your account or suspend or otherwise deny you access to it or its benefits – all in our sole discretion, for any reason whatsoever, with or without advance notice and without liability. The Terms and any other documents, policies or agreements referenced or incorporated herein will continue to apply until terminated by either you or the Company.

Prohibited Users : In connection with your use of Platform, you agree and represent you will not engage in any Prohibited Use (as defined below). We always reserve the right to monitor, review, retain and/or disclose any information as necessary to satisfy any applicable law, regulation, sanctions program, legal process or governmental request. We reserve the right to cancel and/or suspend your Account(s) and/or block transactions or freeze funds immediately and without notice if we determine, in our sole discretion, that your Account is associated with or engaging in a Prohibited Use. Without limitation, you agree not to do any of the following: a. impersonate any person or entity, including, but not limited to, a Blinqpay Collective or Third-Party manager, employee, agent, or representative. b. falsely state or otherwise misrepresent your affiliation with any person or entity; c. manipulate identifiers to disguise the origin/source of funds. d. upload, post or otherwise transmit any material that contains software viruses, or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment. e. interfere with or disrupt the Service or servers or networks connected to the Service, or disobey any requirements, procedures, policies or regulations of networks connected to the Service; f. intentionally or unintentionally violate any applicable local, state, national or international law.

External Links : Blinqpay may provide links to other websites or resources because the Company does not have any control over such sites and resources, you acknowledge and agree that the Company is not responsible for the availability of such external sites or resources. Blinqpay does not endorse and is not liable for any Content, advertising, products, or other materials on or available through such sites or resources. You further acknowledge and agree that Blinqpay shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such Content, goods or services available on or through any such site or resource.

Blinqpay does not make any express or implied warranties about platform, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement. platform is made available to you "as is" and "as available" and blinqpay does not warrant that any defects or inaccuracies will be corrected.

Blinqpay does not warrant that the platform will meet your needs, or that they will be uninterrupted, timely, secure or error-free. blinqpay also makes no warranty that the results obtained from the use of the platform will be accurate or reliable, or that the quality of any products, services, information, or other material purchased or obtained by you through the platform will meet your expectations.

Blinqpay will not be liable for any direct, indirect, incidental, special, consequential or exemplary damages, including, but not limited to, damages for loss of profits, revenue, income, goodwill, use, data or other intangible losses resulting from: the use of or the inability to use the content or the service; access to or alteration of your account, transmissions or data due to your conduct, inaction or negligence; or any other matter relating to the content or the service.

Blinqpay will not be liable to you or anyone else for any consequential, incidental, special, direct, or indirect damages (including but not limited to lost profits, or damages that result from the use or loss of use of platform and third-party content, inconvenience or delay, any loss resulting from a cause over which blinqpay does not individually have direct control). if you live in a jurisdiction that does not allow the limitation or exclusion of liability or incidental or consequential damages, some or all of these limitations and exclusions may not apply to you.

We may need to update, modify or amend our Terms and Conditions as our technology evolves. We reserve the right to make changes to this Terms of Use at any time by giving notice to users on this page. We advise that you check this page often, referring to the date of the last modification on the page If a user objects to any of the changes to the Terms of Use, the User must cease using our website and/or services immediately.

For any inquiries or concerns related to these Terms and Conditions, please contact us at [email protected].