1.1. These Terms and Conditions constitute a legally binding agreement made between you, whether personally or on behalf of an entity (you), and KePaid, doing business as Veenir Inc., located at Benson Street, firstname.lastname@example.org, Monrovia, Montserrado 1000 Liberia (we, us), concerning your access to and use of the KePaid (kepaid.com) website as well as any related applications (the Site).
The Site provides the following services: Financial app that makes saving
easy for students and low income people. You agree that by accessing the
Site and/or Services, you have read, understood, and agree to be bound by
all of these Terms and Conditions.
If you do not agree with all of these Terms and Conditions, then you are
prohibited from using the Site and Services and you must discontinue use
immediately. We recommend that you print a copy of these Terms and
Conditions for future reference.
1.2. The supplemental policies set out in Section 1.7 below, as well as any
supplemental terms and condition or documents that may be posted on the
Site from time to time, are expressly incorporated by reference.
1.3. We may make changes to these Terms and Conditions at any time. The updated version of these Terms and Conditions will be indicated by an updated “Revised” date and the updated version will be effective as soon as it is accessible. You are responsible for reviewing these Terms and Conditions to stay informed of updates. Your continued use of the Site represents that you have accepted such changes.
1.4. We may update or change the Site from time to time to reflect changes to our products, our users' needs and/or our business priorities.
1.5. Our site is directed to people residing in Liberia, Sierra Leone and Ivory Coast. The information provided on the Site is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject us to any registration requirement within such jurisdiction or country.
1.6. The Site is intended for users who are at least 18 years old. If you
are under the age of 18, you are not permitted to register for the Site or
use the Services without parental permission.
1.7. Additional policies which also apply to your use of the Site include:
2.1. You may not access or use the Site for any purpose other than that for
which we make the site and our services available. The Site may not be used
in connection with any commercial endeavors except those that are
specifically endorsed or approved by us.
2.2. As a user of this Site, you agree not to:
· Transfer from another user account to your account without their consent.
· Screenshot another user account
· Login to another user account without their consent
· Use the Site to advertise or sell goods and services
· Engage in unauthorized framing of or linking to the Site
· Trick, defraud, or mislead us and other users, especially in any attempt to learn sensitive account information such as user passwords
· Engage in any automated use of the system, such as using scripts to send comments or messages, or using any data mining, robots, or similar data gathering and extraction tools
· Interfere with, disrupt, or create an undue burden on the Site or the networks and services connected to the Site
· Attempt to impersonate another user or person, or use the username of another user
· Sell or otherwise transfer your profile
· Use any information obtained from the Site in order to harass, abuse, or harm another person
· Attempt to access any portions of the Site that you are restricted from accessing
· Use the Site in a manner inconsistent with any applicable laws or regulations
· Misrepresent experience, skills, or information about a User
· Make any unauthorized use of the Site, including collecting usernames and/or email addresses of users to send unsolicited email or creating user accounts under false pretenses
· Falsely imply a relationship with us or another company with whom you do not have a relationship
3.1. You represent and warrant that: (a) all registration information you submit will be true, accurate, current, and complete and relate to you and not a third party; (b) you will maintain the accuracy of such information and promptly update such information as necessary; (c) you will keep your password confidential and will be responsible for all use of your password and account; (d) you have the legal capacity and you agree to comply with these Terms and Conditions; and (e) you are not a minor in the jurisdiction in which you reside, or if a minor, you have received parental permission to use the Site.
If you know or suspect that anyone other than you knows your user
information (such as an identification code or user name) and/or password
you must change your password immediately or promptly notify us at
3.2. If you provide any information that is untrue, inaccurate, not current or incomplete, we may suspend or terminate your account without payment of account balance to you.
4.1. Your account will be disabled for withdrawal until the saving durations has expired or ended. If there are reasonable or life-threatening circumstances, contact us and the Institution will decide in its sole discretion.
4.2. Minimum Balance
Your account balance shall not be less than or equal to the minimum balance to enable your account for transactions or withdrawal.
Minimum account balance is listed below:
Liberia: $500 LRD
Sierra Leone: $10,000 LEONES
Ivory Coast: $15,000 CFA
The minimum balance for withdrawal is as follow:
Liberia: $1,000 LRD
Sierra Leone: $20,000 LEONES
Ivory Coast: $30, 000 CFA
4.3. Withdrawal Process
During withdrawal your phone number and Identification Code will be used to verify that you’re the authentic owner of the account.
If you lose your phone number you can only withdraw from KePaid office but the profile image on the account must match you.
When you create an account your Identification Code will be available within your account settings for one month.
4.4. Withdrawal Method
You shall withdraw from your KePaid account using the following method:
Cash Via KePaid Office
If you purchase a KePaid deposit card from any of our agent and carried without depositing in your account while the agent is available. All our agents or officers are free of any liability when the card is prompted as invalid.
6.1. When you fill in the form using our app or website, you officially have an account with us and that you agreed to our terms and conditions. To enable us to set up your account, we ask for information such as: First Name, Surname, photo of you, location, phone number etc.
6.2. Blocked Account
We will block all accounts that will be inactive for the period of one month. If you do not deposit in your KePaid account within one month, your account will be blocked. Please refer to section # 8 (Term and Termination) for other reasons that may cause your account to be blocked or terminated.
6.3 Unblocking Account
To unblock your KePaid account you must pay a fee as follow:
Liberia: $500 LRD
Sierra Leone $10,000 LEONES
Ivory Coast: $15,000 CFA
This only applies to accounts block for inactivity.
7.1. Unless otherwise indicated, the Site and Services including source
code, databases, functionality, software, website designs, audio, video,
text, photographs, and graphics on the Site (Our Content) are owned or
licensed to us, and are protected by copyright and trade mark laws.
7.2. Except as expressly provided in these Terms and Conditions, no part of
the Site, Services or Our Content may be copied, reproduced, aggregated,
republished, uploaded, posted, publicly displayed, encoded, translated,
transmitted, distributed, sold, licensed, or otherwise exploited for any
commercial purpose whatsoever, without our express prior written
7.3. Provided that you are eligible to use the Site, you are granted a limited licence to access and use the Site and Our Content and to download or print a copy of any portion of the Content to which you have properly gained access.
7.4. You shall not (a) try to gain unauthorised access to the Site or any
networks, servers or computer systems connected to the Site; and/or (b)
make for any purpose including error correction, any modifications,
adaptions, additions or enhancements to the Site or Our Content, including
the modification of the paper or digital copies you may have downloaded.
7.5. We shall (a) prepare the Site and Our Content with reasonable skill and care; and (b) use industry standard virus detection software to try to block the uploading of content to the Site that contains viruses.
7.6. The content on the Site is provided for general information only. It
is not intended to amount to advice on which you should rely. You must
obtain professional or specialist advice before taking, or refraining from
taking, any action on the basis of the content on the Site.
7.7. Although we make reasonable efforts to update the information on our site, we make no representations, warranties or guarantees, whether express or implied, that Our Content on the Site is accurate, complete or up to date.
8.1. We reserve the right at our sole discretion, to (1) monitor the Site for breaches of these Terms and Conditions; (2) take appropriate legal action against anyone in breach of applicable laws or these Terms and Conditions; (3) remove from the Site or otherwise disable all files and content that are excessive in size or are in any way a burden to our systems; and (4) otherwise manage the Site in a manner designed to protect our rights and property and to facilitate the proper functioning of the Site and Services.
8.2. We do not guarantee that the Site will be secure or free from bugs or viruses.
8.3. You are responsible for configuring your information technology, computer programs and platform to access the Site and you should use your own virus protection software.
9.1. We reserve the right to change, modify, or remove the contents of the Site at any time or for any reason at our sole discretion without notice. We also reserve the right to modify or discontinue all or part of the Services without notice at any time.
9.2. We cannot guarantee the Site and Services will be available at all times. We may experience hardware, software, or other problems or need to perform maintenance related to the Site, resulting in interruptions, delays, or errors. You agree that we have no liability whatsoever for any loss, damage, or inconvenience caused by your inability to access or use the Site or Services during any downtime or discontinuance of the Site or Services.
9.3. There may be information on the Site that contains typographical errors, inaccuracies, or omissions that may relate to the Services, including descriptions, pricing, availability, and various other information. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update the information at any time, without prior notice.
10.1. The Site and Services are provided on an as-is and as-available
basis. You agree that your use of the Site and/or Services will be at your
sole risk except as expressly set out in these Terms and Conditions. All
warranties, terms, conditions and undertakings, express or implied
(including by statute, custom or usage, a course of dealing, or common law)
in connection with the Site and Services and your use thereof including,
without limitation, the implied warranties of satisfactory quality, fitness
for a particular purpose and non-infringement are excluded to the fullest
extent permitted by applicable law.
We make no warranties or representations about the accuracy or completeness
of the Site’s content and are not liable for any (1) errors or omissions in
content: (2) any unauthorized access to or use of our servers and/or any
and all personal information and/or financial information stored on our
server; (3) any interruption or cessation of transmission to or from the
site or services; and/or (4) any bugs, viruses, trojan horses, or the like
which may be transmitted to or through the site by any third party. We will
not be responsible for any delay or failure to comply with our obligations
under these Terms and Conditions if such delay or failure is caused by an
event beyond our reasonable control.
10.2. Our responsibility for loss or damage suffered by you:
Whether you are a consumer or a business user:
· We do not exclude or limit in any way our liability to you where it would
be unlawful to do so. This includes liability for death or personal injury
caused by our negligence or the negligence of our employees, agents or
subcontractors and for fraud or fraudulent misrepresentation.
· If we fail to comply with these Terms and Conditions, we will be responsible for loss or damage you suffer that is a foreseeable result of our breach of these Terms and Conditions, but we would not be responsible for any loss or damage that were not foreseeable at the time you started using the Site/Services.
Notwithstanding anything to the contrary contained in the Disclaimer/Limitation of Liability section, our liability to you for any cause whatsoever and regardless of the form of the action, will at all times be limited to a total aggregate amount equal to the total amount in your KePaid account minus the minimum account balance.
If you are a business user:
We will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:
· use of, or inability to use, our Site/Services; or
· use of or reliance on any content displayed on our Site.
In particular, we will not be liable for:
· loss of profits, sales, business, or revenue;
· business interruption;
· loss of anticipated savings;
· loss of business opportunity, goodwill or reputation; or
· any indirect or consequential loss or damage.
If you are a consumer user:
· Please note that you agree not to use our Site or App for any commercial or business purposes than the intended purpose,and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.
11.1. These Terms and Conditions shall remain in full force and effect while you use the Site or Services or are otherwise a user of the Site, as applicable. You may terminate your use or participation at any time, for any reason, by following the instructions for terminating user accounts in your account settings, if available, or by contacting us at email@example.com.
11.2. Without limiting any other provision of these Terms and Conditions, we reserve the right to, in our sole discretion and without notice or liability, deny access to and use of the Site and the Services (including blocking certain IP addresses), to any person for any reason including without limitation for breach of any representation, warranty or covenant contained in these Terms and Conditions or of any applicable law or regulation.
If we determine, in our sole discretion, that your use of the Site/Services is in breach of these Terms and Conditions or of any applicable law or regulation, we may terminate your use or participation in the Site and the Services or delete your profile and any content or information that you posted at any time, without warning, in our sole discretion.
11.3. If we terminate or suspend your account for any reason set out in this Section 9, you are prohibited from registering and creating a new account under your name, a fake or borrowed name, or the name of any third party, even if you may be acting on behalf of the third party. In addition to terminating or suspending your account, we reserve the right to take appropriate legal action, including without limitation pursuing civil, criminal, and injunctive redress.
12.1. If you access the Services via a mobile application, then we grant you a revocable, non-exclusive, non-transferable, limited right to install and use the mobile application on any electronic device which the services can be accessible.
13.1. Visiting the Site, sending us emails, and completing online forms
constitute electronic communications. You consent to receive electronic
communications and you agree that all agreements, notices, disclosures, and
other communications we provide to you electronically, via email and on the
Site, satisfy any legal requirement that such communication be in writing.
You hereby agree to the use of electronic signatures, contracts, orders and
other records and to electronic delivery of notices, policies and records
of transactions initiated or completed by us or via the Site. You hereby
waive any rights or requirements under any statutes, regulations, rules,
ordinances or other laws in any jurisdiction which require an original
signature or delivery or retention of non-electronic records, or to
payments or the granting of credits by other than electronic means.
13.2. These Terms and Conditions and any policies or operating rules posted
by us on the Site or in respect to the Services constitute the entire
agreement and understanding between you and us.
13.3. Our failure to exercise or enforce any right or provision of these
Terms and Conditions shall not operate as a waiver of such right or
13.4. We may assign any or all of our rights and obligations to others at any time.
13.5. We shall not be responsible or liable for any loss, damage, delay or failure to act caused by any cause beyond our reasonable control.
13.6. If any provision or part of a provision of these Terms and Conditions is unlawful, void or unenforceable, that provision or part of the provision is deemed severable from these Terms and Conditions and does not affect the validity and enforceability of any remaining provisions.
13.7. There is no joint venture, partnership, employment or agency relationship created between you and us as a result of these Terms and Conditions or use of the Site or Services.
13.8. For consumers only - Please note that these Terms and Conditions, their subject matter and their formation, are governed by Liberia law.
13.9. For business users only - If you are a business user, these Terms and Conditions, their subject matter and their formation (and any non-contractual disputes or claims) are governed by Liberia Law. We both agree to the exclusive jurisdiction of the courts of Liberia.
13.10. Except as stated under the Mobile Application section, a person who is not a party to these Terms and Conditions shall have no right under the Contracts to enforce any term of these Terms and Conditions.
13.11. In order to resolve a complaint regarding the Services or to receive further information regarding use of the Services, please contact us by email at firstname.lastname@example.org or by post to:
Monrovia, Montserrado 1000