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Privacy Policy

Ellicash is committed to managing your Personal Information in line with global industry best practices. You can read our Privacy Policy to understand how we use your information and the steps we take to protect your information.

Disclaimers

We try to keep Ellicash available at all times, bug-free and safe, however, you use it at your own risk. Our website and services are provided “as is” without any express, implied and/or statutory warranties (including, but not limited to, any implied or statutory warranties of merchantability, fitness for a particular use or purpose, title, and non-infringement of intellectual property rights). Without limiting the generality of the foregoing, Ellicash makes no warranty that our website and services will meet your requirements or that our website will be uninterrupted, timely, secure, or error-free. No advice or information, whether oral or written, obtained by you through our website or from Ellicash, its parents, subsidiaries, or other affiliated companies, or its or their suppliers (or the respective officers, directors, employees, or agents of any such entities) (collectively, “Ellicash Parties”) shall create any warranty.

Limitation of Liability

In no event will Ellicash or its parent company be liable for any direct, indirect, incidental, special, or consequential damages arising out of the use of or inability to use the services.

Exclusion

Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for certain damages. Accordingly, some of the above disclaimers and limitations of liability may not apply to you. To the extent that any Ellicash Party may not, as a matter of applicable law, disclaim any implied warranty or limit its liabilities, the scope and duration of such warranty and the extent of the Ellicash Party’s liability shall be the minimum permitted under such applicable law.

Indemnity

You agree to defend, indemnify, and hold Ellicash, its officers, directors, employees, agents, licensors, and suppliers, harmless from and against any claims, actions or demands, liabilities and settlements including without limitation, reasonable legal and accounting fees, resulting from, or alleged to result from, your violation of this Agreement.

Updates, Modifications & Amendments
We may need to update, modify, or amend our Terms of Service as our technology evolves. We reserve the right to make changes to these Terms of Service 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 you have any objection to any of the changes to these Terms of Service, you must cease using our website and/or services immediately.

Legal Disputes

We shall make an effort to settle all disputes amicably. Any dispute arising out of this Agreement which cannot be settled by mutual agreement/negotiation within 1 (one) 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. Venue for the arbitration shall be Lagos, Nigeria.

Severability

If any portion of these Terms of Service is held by any court or tribunal to be invalid or unenforceable, either in whole or in part, then that part shall be severed from these Terms of Service and shall not affect the validity or enforceability of any other part in these Terms of Service.

Miscellaneous

You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. Assigning or sub-contracting any of your rights or obligations under these Terms of Use to any third party is prohibited. We reserve the right to transfer, assign or sub-contract the benefit of the whole or part of any rights or obligations under these Terms of Use to any third party.

Acceptable Use Policy

By accessing or using Ellicash, you agree to comply with the terms and conditions of this Acceptable Use Policy.

Restricted Activities

You may not use Ellicash in connection with any product, service, transaction, or activity that:

1. Violates any law or government regulation or promotes or facilitates such by third parties.

  • Violates any rule or regulation of Visa, MasterCard, Verve or any other electronic funds transfer network (each, a “Card Network”).
  • Is fraudulent, deceptive, unfair, or predatory.
  • Causes or threatens reputational damage to us or any Card Network.
  • Involves any of the business categories listed in clause 2 below; or
  • Results in or creates a significant risk of chargebacks, penalties, damages or other harm or liability.

2. Certain Business Categories
You may not use Ellicash in connection with any activity that:

  • Falls within the Prohibition List of the Nigerian Customs Administration.
  • Relates to the sale of: banned narcotics, steroids, controlled substances, blood/bodily fluids, burglary tools, counterfeit items, fireworks/explosives, identity documents, or personal financial records.
  • Relates to lottery tickets, slot machines, or unlicensed financial services.
  • Involves offensive material, hate speech, or items that promote violence or racial intolerance.
  • Relates to pyramid or Ponzi schemes, matrix programs, or ‘get rich quick’ schemes.
  • Involves gambling or gaming with an entry fee and a prize (unless prior approval is obtained from Ellicash and permitted by law).

3. Actions by Ellicash
If, in our sole discretion, we believe that you may have engaged in any violation of this Acceptable Use Policy, we may (with or without notice to you) take actions including:

  • Blocking the settlement or completion of one or more payments.
  • Suspending, restricting, or terminating your access to Ellicash’s Services.
  • Terminating our business relationship without liability to Ellicash.
  • Taking legal action against you.
  • Disclosing information related to violations to law enforcement or regulatory agencies.
  • Assessing against you any fees, penalties, or expenses (including reasonable attorneys’ fees) incurred because of such violations.

Updates, Modifications & Amendments

We may need to update, modify, or amend our Acceptable Use Policy at any time. We advise that you check this page often, referring to the date of the last modification on the page.