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Terms & Conditions

Terms of Service

At Paychap Technologies we are creating a system that strives to reward high trust and creditworthy individuals of Tanzania, inspiring others to be like them. Using the product, you can manage your business; hunt those hidden charges, all the while enjoying your business though you are in tire2, tire3 areas.

Paychap Technologies is an online market place focusing business to business service providers who accept payments specially individuals, freelancers, women who work from home, handcraft business women and people who do business in tier2, tier3 & rural areas

Paychap Technologies helps them through subscription, payment link, payment gateway and online store to make their payments easier and faster

Individuals/ Merchants can use this stage to do business; they can create invoice, get paid only when the customers pay. Paychap Technologies invoice has all the features of zoho invoice.

This platform is completely free and utilized by all kinds of business people and we are software service providers and pay only when your customers pay. (Pay per transaction; transaction charge is affordable)

  1. Scope of Paychap Technologies

Paychap Technologies is the owner and controller of 'Paychap Technologies' which is a web-based mobile application, an online market place focusing business to business service providers who accept payments specially individuals, freelancers, women who work from home, handcraft business women and people who do business in tier2, tier3 & rural areas.

We are SaaS based software service providers and pay only when your customers pay.

By accessing and using our Services (defined below), you ("Our User") are agreeing to these terms and conditions contained hereinafter ("Terms of Service" or "Terms"). We, Paychap Technologies , including its affiliates & subsidiaries, strongly urge you to read the Terms of Service in detail before registering, accessing or using the App Services. Supplemental terms may apply to certain Services, such as policies for a particular event, activity or promotion or new feature and such supplemental terms will be disclosed to you in connection with the applicable Services. Supplemental terms are in addition to, and shall be deemed a part of, the Terms for the purposes of the applicable Services. Supplemental terms shall prevail over these Terms in the event of a conflict with respect to the applicable Services.

We may amend the Terms at any time by posting an updated version on the App. The updated version of these Terms shall supersede the previous version of the Terms and take effect immediately upon posting and may be notified, via the App. You have the right to opt-out of agreeing to these Terms or any future updated version of the Terms, and therefore also using the App. If you are not comfortable with any of the Terms or do not wish to be bound by the same, you are at liberty to refrain from using the App and the App Services. However, please be aware that your continued use of the App Services for a period of 7 (seven) days from the launch of any updated Terms would mean deemed acceptance of these Terms and its associated policies mentioned here, including any modification thereof.

For the purpose of these Terms of Use, wherever the context so requires, the term "User" shall mean and include any natural or legal person who has agreed to these Terms of Use on behalf of itself or any other legal entity. It is clarified that the Privacy Policy (that is provided separately), form an integral part of these Terms of Use and should be read contemporaneously with the Terms of Use. Illegality or unenforceability of one or more provisions of these Terms of Use shall not affect the legality and enforceability of the other terms of the Terms of Use. For avoidance of doubt, if any of the provisions becomes void or unenforceable, the rest of the provisions of these Terms of Use shall be binding upon the User.

  1. Eligibility to Use

By registering with Paychap Technologies and using the App Services, you are representing the following:

You are 18 years of age or older;

You are capable of entering into a legally binding agreement; and

You are not barred or otherwise legally prohibited from accessing or using Paychap Technologies & the App Services.

If you allow anyone to use your account, including individuals less than 18 years of age, you will still be responsible for ensuring that such individuals comply with the terms. You will be responsible for all actions these individuals take in and/or through your account. You also acknowledge that Paychap Technologies does not have the responsibility of ensuring that you meet the aforesaid requirements. You agree to comply with all applicable laws when using the Services and you may only use the Services for lawful purposes.

Please be aware that Paychap Technologies reserves the right to revoke your access to the Paychap Technologies App or App Services, subject to our reasonable discretion. In this regard, we may also choose to suspend your Paychap Technologies Account or your access to the same. As a registered User, in such an event, you may contact our support team to assist you/resolve the situation.

  1. Privacy Policy

For information regarding the Company's treatment of personally identifiable information, please refer to Company's current Privacy Policy, which is hereby incorporated by reference; your acceptance of this Agreement constitutes your acceptance and agreement to be bound by Company's Privacy Policy.

  1. Use of Paychap Technologies (When you use our app)

When you use our App, you are representing to us that:

  • Your use of the App shall not violate any applicable law or regulation, and that you fulfil the eligibility criteria set forth under Section 2;
  • All registration information you submit is truthful, complete and accurate and you agree to maintain accurate, complete and up-to-date account information in your Account.
  • You are responsible for all activity that occurs under your Account. Unless otherwise permitted by Paychap Technologies in writing, you may only possess one Account.
  • Your use of the App or its content is only for personal purposes. By using the App Services, You hereby agree that the you are aware and responsible for all transactions taking place through your Account. 
  • Your personal and non-commercial use of the App prevents you from decompiling, reverse engineering, disassembling content, removing any intellectual property right associated with our App, including copyright, trademarks, trade secrets, designs, and patents, or other proprietary notices.
  • You shall not access or use the App in any manner that may be harmful to the operation of the App or its content;
  • You shall not use any product or service available on the App for commercial purposes, or use the App Services in any way that is unlawful, or harms Paychap Technologies or any other person or entity;
  • You will not post, distribute, or otherwise transmit or make available any software or other computer files that contain a virus or other harmful component, or otherwise impair or damage the App or any connected network, or otherwise interfere with any person or entity's use or enjoyment of the App.
  • You will not delete or modify any content of the App, such as legal notices, disclaimers or proprietary notices, copyright or trademark symbols and logos.
  • Your use of Paychap Technologies shall indicate that you have provided consent to automatically receive requested updates such as bug fixes, patches, enhanced functions, missing plug-ins and new versions (collectively, 'Updates'), for the purpose of effective delivery of the App Services. Please note that your continued use of the App following such Updates would mean deemed acceptance by you of the same.
  1. Indemnity

You will indemnify, defend, at the Company's option, and hold the Company, its parents, subsidiaries, affiliates, officers, associates successors, assigns, licensors and employees, the Website or any of their respective officers, directors, employees, agents, vendors, licensors, representatives, advertisers, service providers, franchisers and vendors harmless (including, without limitation, from all damages, liabilities, settlements, costs and attorneys' fees) from and against any claim, demand, lawsuits, judicial proceeding, losses, liabilities, damages and costs made by any third party due to or arising out of your access to the Services, use of the Services, your violation of this Agreement, or due to any infringement by you or any third party using your account of any intellectual property or other right of any person or entity, or your provision of defective or sub-standard goods/services through this Website, or your breach of terms of conditions agreed by you to a Buyer in transaction facilitated by this Website.

  1. Disclaimer

The App Services, including all content, software, functions, material, and information made available or accessible through the Services are provided "as is". Paychap Technologies, their respective agents, co-branders or partners, make no representation and warranty of any kind for the content, software, functions, material, and information available/accessible through the Services.

Paychap Technologies does not warrant that the functions contained in content, information and materials on the App, including, without limitation any third-party sites or services linked to the App will be uninterrupted, timely or error-free, that the defects will be rectified, or that the App or the servers that make such content, information, and materials available are free of viruses or other harmful components.

Further, You understand that a payment transaction is solely between the User who uses the App Services to make his payment ("Sender") and the User who receives such payment from the Sender ("Recipient") and that Paychap Technologies does not provide any guarantees or warranties with respect to any User or any service, goods, or delivery level commitment provided by such User. Paychap Technologies cannot assure that other users are or will be complying with the foregoing rules or any other provisions mentioned here. You assume all risk of harm or injury resulting from any such lack of compliance by any other user or any person. You should ensure that you have undertaken adequate due diligence prior to transferring payments using the App Services.

  1. Limitation of Liability

In no event shall Paychap Technologies, its officers, owners, directors, employees and agents, partners, co-branders, licensors, licensees, consultants, or contractors be liable to you or any third party for any special, incidental, indirect, consequential or punitive damages or losses whatsoever, or damages for loss of data or profits, goodwill, and/ or other intangible loss, whether or not foreseeable and regardless of whether Paychap Technologies has been advised of the possibility of such damages, or based on any theory of liability, including breach of contract or warranty, negligence or other tortious action, or any other claim arising out of or in connection with your use of, or access to, the App or App Services.

  1. Notice

All notices addressing to the Company will be served by email or by general notification on the Website. Any notice provided to Company pursuant to the Terms should be sent to support services at support@paychap.co.tz.

  1. Change

We have and continue to have the right to modify, change or update this Terms of Service and any other policies as provided on the Website, at any time by reasonably highlighting on the Website about such change. Such changes shall be effective immediately upon posting to the Website. You are advised to keep a regular check and update on the Policy updates on the Website.

  1. Compliance with laws
  1. Miscellaneous

The failure of either party to exercise, in any respect, any right provided for herein shall not be deemed a waiver of any further rights hereunder. The Company shall not be liable for any failure to perform its obligations hereunder where such failure results from any cause beyond the Company's reasonable control, including, without limitation, mechanical, electronic or communications failure or degradation (including "line-noise" interference). If any provision of this Agreement is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that this Agreement shall otherwise remain in full force and effect and enforceable. This Agreement is not assignable, transferable or sub licensable by you except with the Company's prior written consent. 

The Company may transfer, assign or delegate this Agreement and its rights and obligations without any consent. Both parties agree that this Agreement is the complete and exclusive statement of the mutual understanding of the parties and supersedes and cancels all previous written and oral agreements, communications and other understandings relating to the subject matter of this Agreement, and that all modifications must be in writing signed by both parties, except as otherwise provided herein. No agency, partnership, joint venture, or employment is created as a result of this Agreement and you do not have any authority of any kind to bind Company in any respect whatsoever.

Headings for each section have been included above for your convenience, but such headings do not have any legal meaning, and may not accurately reflect the content of the provisions they precede. You and the Company agree there is no third party beneficiaries intended under this Agreement.

  1. Arbitration & Governing Law
  1. Contact

If you have any questions, complaints, or claims with respect to the Services, you may contact us at support@paychap.co.tz. Our physical address is mentioned at paychap.co.tz/contact/.

We as a merchant shall be under no liability whatsoever in respect of any loss or damage arising directly or indirectly out of the decline of authorization for any Transaction, on Account of the Cardholder having exceeded the preset limit mutually agreed by us with our acquiring bank from time to time.