PLEASE NOTE THAT YOUR USE OF, AND ACCESS TO THE SERVICES (AS DEFINED BELOW) ARE SUBJECT TO THE FOLLOWING TERMS. IF YOU DO NOT AGREE TO ALL OF THESE TERMS, YOU MAY NOT USE OR ACCESS THE SERVICES IN ANY MANNER.
<aside> 🔏 Last updated: April 4th, 2023
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The following Terms and Conditions (the “Terms”) is a contract between you and PayChangu Limited (“Nyatwa”), a private limited liability company duly incorporated under the laws of the Federal Republic of Malawi.
These Terms govern your use of and access to our website at https://nyatwa.com and the Nyatwa application, a peer-to-peer social payments platform which includes any other website and mobile application operated by Nyatwa (collectively, the “Website”) and features and services offered by us on this Website (together with the Website, the “Services”), including any content or functionality offered through this Website or the Services, whether as a guest, registered User or on the authorisation of a User.
"You”, “your", “User” mean the person, entity, business, or company who uses or accesses the Services.
"We," "us," and "our" mean Nyatwa and its successors, affiliates, and assignees.
“Nyatwa Service Level Agreement” means a Service Level Agreement, Merchant Service Agreement or another agreement apart from these Terms which has been fully signed and entered into by and between a User and us relating to the access to and/or use of any of the Services by the User.
As used in these Terms, "Nyatwa Account" means the account you have with us for the Services.
“PayChangu Account” means a registered account on the website and mobile application at https://paychangu.com or any other affiliated website and mobile application (collectively, “PayChangu App”) operated by PayChangu Limited, an affiliate of Nyatwa.
“Product” means any goods or services offered to Users on this Website by a Vendor.
“Vendor” means any User who offers Products for sale to other Users on this Website.
“Purchaser(s)” means any User who is offered Products by a Vendor and communicates the intention to purchase such Product(s).
“Vendor’s Conditions” means the guidelines and conditions provided by the Vendor relating to the Products.
“Card” means a prepaid virtual and/or physical card issued by an Issuing Bank, which is branded with one or more marks or signage of a Payment Scheme.
“Payment Scheme” means Visa, Mastercard and/or any affiliates thereof or any other card payment network and/or such other schemes governing the issue and use of credit, debit, charge, purchase or any other cards or payment methods.
“Merchant” means any person or entity to whom you may offer payment through the use of a Payment Card.
“Issuing Bank” means a financial institution that issues Payment Cards under the authority of the relevant Payment Scheme.
"Retailer" means a retailer, seller, or service provider whose Vouchers are offered on this Website”.