This Agreement was updated on June 8, 2022. Please read our privacy policy. It explains how we’ll use your personal information and gives details about how we use cookies. The privacy policy is available at https://www.billsclan.com/privacy.
This Agreement applies in full force and effect to your use of the Services and by using any of the Services, you expressly accept all terms and conditions contained herein in full and without limitation or qualification, and subsequent amendment thereto, including our Privacy Policy and Merchant Service Agreement. You must not use any of the Services if you have any objection to any of these Terms.
By using our services you hereby warrant that you are a business owner using our Services to receive payments from your customers.
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.
You hereby agree that we may share your information with third parties such as referencing agencies for the purpose of verification.
You agree that if you process any payments prior to the verification of your account, we may cancel or reverse any payments if we are unable to successfully verify your account.
You shall also provide us with the bank account details you want your funds sent to, and that account must meet the requirements provided by applicable laws and regulations. We are not obliged to offer any services to you, and our decision as to whether to do so is entirely ours.
The services are protected by copyright, trademark, and other laws of both Nigeria and foreign countries. Nothing in this Agreement gives you a right to use the BillsClan name or any of BillsClan's trademarks, logos, domain names, and other distinctive brand features. All right, titles, and interests in and to the services are and will remain the exclusive property of BillsClan and its licensors.
If you do not comply with all the provisions, then you will be liable for all resulting damages suffered by you, BillsClan, 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 suggestions as we see fit without any obligation to you.
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, BillsClan makes no warranty that our website and Services will meet your requirements or that our website/Services will remain free from any interruption, bugs, inaccuracies, and error-free.
Your use of our services is 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.
You are responsible for configuring your information technology, computer programs, and platform in order to access our Services. Please ensure you use your virus protection software or application as we cannot guarantee that our Services will be free from viruses or bugs.
You must not attempt to gain unauthorized access to our Services, computers, or databases. You must not misuse our Services by introducing trojans, viruses, or other materials which are malicious or technologically harmful.
You are responsible for the protection of your transaction PIN, password or security code and you shall not disclose these information to any third party. We shall not be liable for any loss or damage that arises as a result of such disclosure. BillsClan will never call or contact you by any means to ask for your transaction PIN, password or security code.
You also warrant that you shall be responsible for any act or loss that occurs from your authorization of any of your employees or agents or any other person to whom you allow the access to your account and dashboard or disclose your transaction PIN, password or security code to.
falls within the Prohibition List of the Nigerian Customs Administration of the Federal Republic of Nigeria
relates to the sale and/or purchase of:
banned narcotics, steroids, certain controlled substances, or other products that present a risk to a consumer's safety;
blood, bodily fluids, or body parts;
burglary tools;
counterfeit items;
illegal drugs and drug paraphernalia;
fireworks, destructive devices, and explosives;
identity documents, government documents, personal financial records, or personal information (in any form, including mailing lists);
lottery tickets, sweepstakes entries, or slot machines without the required license;
offensive material or hate speech or items that promote hate, violence, racial intolerance, or the financial exploitation of a crime;
harmful chemicals;
recalled items;
prohibited services;
unlicensed financial services, stocks, or other securities;
stolen property;
items that infringe or violate any copyright, trademark, right of publicity or privacy or any other proprietary right under the laws of any jurisdiction;
sales of currency without BDC license, certain cryptocurrency operators;
obscene material or pornography;
certain sexually oriented materials or services;
certain firearms, firearm parts or accessories, ammunition, weapons or knives;
any product or service that is illegal or marketed or sold in such a way as to create liability to BillsClan; or
production of military and paramilitary wears and accouterment, including those of the Police and the Customs, Immigration and Prison Services.
relate to transactions that:
show the personal information of third parties in violation of applicable law;
support pyramid or Ponzi schemes, matrix programs, other "get rich quick" schemes or certain multi-level marketing programs;
are associated with purchases of annuities or lottery contracts, lay-away systems, off-shore banking, or transactions to finance or refinance debts funded by a credit card;
pertain to ammunitions and arms; and
involve gambling, gaming and/or any other activity with an entry fee and a prize, including, but not limited to casino games, sports betting, horse or greyhound racing, lottery tickets, other ventures that facilitate gambling, games of skill (whether or not it is legally defined as a lottery) and sweepstakes unless the operator has obtained prior approval from BillsClan and the operator and customers are located exclusively in jurisdictions where such activities are permitted by law.
All claims against us related to payments should be made within seven (7) days after the date of such payment. It will be taken that you waive all claims against us, to the fullest extent of the law after the said period of time.
If you enter into a transaction with a third party and have a dispute over the goods or services you purchased, we have no liability for such goods or services. Our only involvement with regard to such transactions is via a payment gateway.
We may intervene in disputes between users and merchants concerning payments but have no obligation to do so.
Your Transaction Reference and/or transaction details will be required to resolve all disputes.
Some jurisdictions do not allow the 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 entireties, but will apply to the maximum extent permitted by applicable law.
we can change any of these terms, including introducing or changing a charge, or withdrawing BillsClan; or
end your use of BillsClan.
If we make any subsequent change to this Agreement that benefits you, we will simply notify you of this change at the time of the change. Your notice period will start from the date we let you know about the change.
We can change this agreement for a reason set out below. If we do change this agreement, the change we make will be a reasonable and proportionate response to a change that is affecting us or that we reasonably think will affect us:
to respond to a change, or a reasonably anticipated change, in regulatory requirements – for example, if the law changes or our service provider changes its rules or provides updated guidance;
to reflect a change in the cost of providing BillsClan;
to reflect changes we have made to BillsClan; or
to do something that is to your advantage.
As this agreement has no fixed end date, we may also need to make changes to this agreement for other reasons that we cannot predict right now, but we will always explain the impact that change will have on you.
You do not have to accept any changes – you can always end this agreement without explanation or charge by telling us before the change comes into effect. You can also end this agreement at any time after we make the change, but the change will apply to you until you do. If you keep using BillsClan after the change is made, we will assume you’ve accepted the change.
We can update the API from time to time and may add or remove functionality. We'll give you notice in the event of material changes to, or removal of functionality from, the API.
You can also end this Agreement by deactivating your account.
You’ve seriously or repeatedly broken the terms of this agreement;
We’ve reason to believe that you are engaging in, or facilitating, illegal activity;
You’ve provided us with false or materially incomplete information;
We could not successfully verify your account
You’ve allowed someone else, including someone working for you who doesn't have authorization, to use BillsClan to access your data or make payments;
You’ve behaved improperly towards us (for example, you’ve been threatening, abusing, or harassing a member of staff);
You’ve caused us to or may cause us to, break a law, regulation, code, or another requirement, obligation, or duty that applies to us; or
There’s been, or we suspect there’s been, a breach of security or misuse of BillsClan or the API.
We can also end this agreement and your use of BillsClan at any time without giving you a reason by giving you at least 30 days’ notice.
The parties shall attempt in good faith to settle between themselves any and all disputes arising regarding the validity, interpretation, or application of this Agreement, or any other dispute arising from legal relationships resulting from this Agreement.
Any dispute arising out of this Terms of Use, which cannot be settled by mutual agreement/negotiation within one (1) month shall be referred to arbitration by a single arbitrator at the Lagos Multi-Door Courthouse (“LMDC”) and governed by the Arbitration and Conciliation Act, Cap A10, Laws of the Federal Republic of Nigeria. The arbitrator shall be appointed by both of us (we and you), where both of us are unable to agree on the choice of an arbitrator, the choice of arbitration shall be referred to the LMDC. The findings of the arbitrator and subsequent award shall be binding on both of us. Each of us shall bear our respective costs in connection with the Arbitration.
This clause shall not preclude either Party from obtaining interim reliefs from a court or tribunal of competent jurisdiction pending the resolution by amicable settlement or other alternative dispute resolution forums.
Without prejudice to the right of any of the parties to this Agreement, the appropriate forum for settlement of dispute shall be Lagos, Nigeria.
In the event that any of the terms in this Agreement is held to be unenforceable, then that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions of this Agreement will remain in full effect.
BillsClan's failure to enforce any right or provision of this Agreement will not be deemed a waiver of such right or provision.
We may also get in touch with you in any other way that is personal to you. This may include SMS, online notifications, or any other appropriate messaging service.
Please kindly notify us of any change of your personal details: name, email address, phone number or any other personal details/information, we can keep in touch.
We will not be liable or responsible for any damage or loss that occurs for you not getting any information or notices from us where you do not or fail to notify of any change in your personal details or information.