Terms and Conditions of use of Jufopay

Definitions

  1. “Merchant” means a website that is integrated to Jufopay for the purpose of receiving payments for goods and/or services that are sold on the website.
  2. “Card” means the payment card used by a cardholder to make payment on the merchant’s website for goods and services that are sold on the website
  3. “Transaction” means each individual payment done by the cardholder on the merchant’s website
  4. “Cardholder” means the individual using a card to make payment on the merchant’s website
  5. “Token” means a device (hardware or software) that is used to generate One Time Password (OTP) that serve as an additional security measure to authenticate transactions.
  6. “OTP”-One Time Password refers to a randomly generated password that is valid for only one transaction generated by a token device
  7. "PIN" means the Personal identification Number provided by the cardholder used for authenticating transactions
  8. “CVV” means Card Verification Value, a 3-digit number specified at the back of a payment card used for authenticating transactions
  9. “Issuer” means the bank that issued the card used by the cardholder to carry out transactions on Jufopay
  10. “Card Expiry Date” means the expiry date of the payment card indicated on the payment card
  11. “Authorization” means the process of checking the validity and availability of sufficient funds on the a cardholder’s payment card
  12. “Authorization” means the process of checking the validity and availability of sufficient funds on the a cardholders payment card

Terms of Use

  1. Jufopay is the BP TECH payment gateway integrated to merchant’s website to facilitate electronic payment transactions s over the web.
  2. Jufopay enables cardholders initiate payments, secures the payment transactions and securely transmits the transaction amount to the cardholder’s bank (issuing bank) for authorization.
  3. Jufopay enables cardholders initiate payments, secures the payment transactions and securely transmits the transaction amount to the cardholder’s bank (issuing bank) for authorization.
  4. Jufopay requires the entry of a valid payment card number, the corresponding Personal Identification Number (PIN), the Card Verification Code (CVV) and the card expiry date before the payment can be presented for authorization.
  5. An additional requirement in form of a One Time password (OTP) may also be requested at the point of completing certain transaction above pre-defined limits by switch or the issuing bank for authentication purposes; this OTP would have been made available to the cardholder’s pre-registered mobile number or email address via either SMS, email respectively or generated directly from a physical hardware device or a software device.
  6. In order to authorize a card transaction, Jufopay transmits the transaction information received from the merchant’s site through the payment switch to the issuing bank on the network for validation.
  7. Jufopay returns the response (approved, declined or otherwise) received from the issuing bank to the merchant website to be displayed to the cardholder.

Fees and Charges

  1. The merchant is responsible for presenting the total amount to be paid by the cardholder and deducted from the cardholder’s account before redirecting to Jufopay
  2. The total amount to be paid by the cardholder is presented on the Jufopay page before the transaction is completed and the cardholder has the option of either proceeding with the payment or cancelling it.
  3. Any additional surcharge to be incurred by the cardholder in addition to the total amount displayed on the merchants’ website may also be included in the final amount to be paid by the cardholder; this amount is presented to the cardholder on the Jufopay page and the cardholder has the option of either proceeding with the payment or cancelling it.
  4. Where a cardholder is registered for the SMS OTP service, the cardholder is responsible for any charges associated with the utilization of this service for transactions that require the provision of an OTP via SMS for the purpose of completing transactions on Jufopay.

Security

  1. It is the duty of the cardholder to keep secret and safe at all times the details of the payment card i.e. card number, PIN, CVV and Card Expiry date including but not limited to periods when online transactions are carried out. The card details are not to be disclosed to any other person or recorded in a manner that could result in its disclosure or misuse.
  2. The cardholder is also expected to keep the details of the OTP to be utilized as a part of the transaction secret at all times and must not disclose it to any person or write it down or record it in a manner that could result in its disclosure or misuse. Physical token devices should alsobe kept safe and protected using same measures taken to protect the payment card.
  3. Suspicious activity as may be observed by BP TECH, the Merchant or the Issuing bank may result in the relevant payment card being restricted from carrying out transactions on Jufopay.Suspicious activity as may be observed by BP TECH, the Merchant or the Issuing bank may result in the relevant payment card being restricted from carrying out transactions on Jufopay.
  4. Insufficient technical knowledge and lack of safety precautions can make it easier for unauthorized third parties to access cardholders’ systems or devices and it is the responsibility of the cardholder to take the necessary security precautions to prevent this.

Users Indemnity

  1. By using the Jufopay application, the cardholder will be deemed to have accepted and agreed to comply with the terms and conditions provided here, in addition to all other applicable terms, including BP TECH’’s applicable data policies, the terms and conditions governing the use of the payment Card provided by the issuer and any security measures provided by BP TECH, Jufopay and its Affiliates for online purchases or funds transfer services.
  2. Jufopay, BP TECH or its Affiliates will not be liable for any Merchant's refusal to accept the payment card provided by the cardholder to facilitate a payment transaction for any reason whatsoever.
  3. Jufopay, BP TECH or its Affiliates will not be liable for any restrictions placed on the payment card in use by the Issuer for any reason whatsoever.
  4. Jufopay, BP TECH and its Affiliates are hereby indemnified against any liability, loss, damage, including solicitor and client costs and expenses (legal or otherwise) which may be sustained or incurred, directly or indirectly, by reason of having made available the Jufopay application or any of its related services, or having entered into this Agreement with the cardholder or enforcement of rights under this Agreement or in acting upon any instructions which may have been given in relation to this service or any negligence, fraud and/or misconduct on the part of the cardholder or on the part of any agents or representatives of the cardholder or the cardholders’ breach of this Agreement.

Governing Law and Jurisdiction

This Agreement is governed by Laws of The Federal Republic of Nigeria. The cardholder irrevocably submits to the non-exclusive jurisdiction of the Nigerian courts.

Information available through Jufopay

Neither BP TECH, Jufopay nor its Affiliates shall be liable to the cardholder (whether based on an action or claim in contract, negligence, tort or otherwise) for any decision made or action taken in reliance on or use of any information, images, links, sounds, graphics, video, software or other materials, including quotes, news and research data, made available through Jufopay.

Intellectual Property

  1. The intellectual property rights in or pertaining to the Jufopay application, its Services and the content within are owned by BP TECH or its Affiliates. No part or parts of the Channel or any content pertaining to the application may be reproduced, distributed, republished, displayed, broadcast, hyperlinked, transmitted, adapted, modified to create derivative works or otherwise commercially exploited in any manner or by any means or stored in an information retrieval system without the prior written permission of BP TECH.
  2. The cardholder may view, print or use the Content for personal, non-commercial use only, provided further that the said content is not modified and all copyright notices and other proprietary notices contained in the content are retained.
  3. The trademarks, service marks, and logo (the "Trade Marks") used and displayed on or through the payment gateway or via the merchant website are registered trademarks of BP TECH.
  4. Nothing on the payment gateway or the BP TECH website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any Trade Marks displayed on or through the payment gateway or the BP TECH website without our written permission.

REPRESENTATIONS & WARRANTIES

Jufopay and or BP TECH make no representation and gives no warranties, whether expressed or implied, as to the suitability and operability of the platform, its quality or functionality or its fitness for any purpose whatsoever and Jufopay does not represent or warrant that the operation of the p “Merchant” means a website that is integrated to Jufopay for the purpose of receiving latform will be uninterrupted or without error.

VARIATION

BP TECH and Jufopay reserve the right to vary, amend, delete or replace all or any of these conditions at any time without prior notice. Jufopay and or, BP TECH shall notify you of any changes made to these conditions as soon as is practicable but failure to make such notification shall not invalidate the changes.

DISCLOSURE OF INFORMATION

You agree that Jufopay may disclose details relating to your account/card to any third party (including credit agencies and regulatory authorities) if in Jufopay’’s opinion such disclosure is necessary and appropriate.