TERMS AND CONDITIONS These Terms and Conditions apply to and regulate the operation of Peachng to the Agent herein. These Terms and Conditions constitute Peachng’s offer and sets out the terms governing this Agreement. Peachng is an open-end dispute logging platform and by accepting, an account is set up with Peachng and you agree that you have read the Terms and Conditions. You authorize Peachng to review your details and you understand that this account is subject to transaction fees and default fees and is governed by the Laws of the Federal Republic of Nigeria. You will be asked to provide information (such as your date of birth and your Bank Verification Number), when you register as an agent with Peachng. This information is used for verification purposes only. DEFINITION In this agreement, the terms: “You”, “your”, mean the Agent who applied for this Account and agrees to this Agreement while “We”, “us”, and “our” shall mean Peachng, and following an assignment, any person, company or bank to whom the rights and/or obligations of Peachng have been assigned “Account” means the Agent’s account with Peachng “Agent” means a registered mobile money agent “Customer” means an individual, who own a bank account with a commercial bank in Nigeria, that carried out a transaction at the Agent outlet “Log Date” means the date the Agent actually log the dispute “Payment Due Date” means a time range between 0 to 30 days After the dispute has been logged “Wallet” means the Agent’s account with Peachng which must be funded to carry out transactions “Dispute” and “transaction” means a declined transaction that led to customer debit, while Agent’s account was not credited AGENT CONSENT By ticking the “I agree to the Terms and Conditions”, on the application form, which you hereby adopt as your electronic signature, you consent and agree that: We can provide materials and other information about your legal rights and duties to you electronically. We are authorized to share, receive and use data/information collected from your transaction with other affiliated Third parties. Your electronic signature on agreements and documents has the same effect as if you signed them using ink on paper or any other physical means. We can send all important communications, billing statements and demand notes and reminders (collectively referred to as “Disclosures”) to you electronically via our website or to an email address that you provide to us during your registration. This consent applies to your account and any transaction carried out on it CUSTOMER CONSENT By ticking the “I agree to the Terms and Conditions”, on the dispute form, which you hereby adopt as your electronic signature, you consent and agree that: You have confirmed with evidence that the customer was debited for the said transaction You have confirmed that the customer is the rightful owner of the account You have properly informed the customer of the mode of operation of Peachng You have input all customers details including correct account and payment details with the customers consent You indemnify Peachng for any lose accrued due to this transaction To inform Peachng of any new development whether a refund to the customer or when a customer have already returned cash to you, to prevent multiple debit on the customer’s account TRANSACTION FEE The Transaction Fee for the use of the Peachng Account shall be charged on every logged transaction and whenever a dispute has been resolved All transaction fees will be charged on the Agent’s wallet and when necessary, bank account The Transaction fee may be increased or decreased from time to time by Peachng. AGENT’S OBLIGATIONS: To pay to us the due transaction fees on every successful transaction logged and or retrieved Peachng will assume that any dispute logged with the Agent’s registered phone number is for a transaction perform at the agent outlet. The Agent will be deemed responsible for any unauthorized transaction using this Account unless the Agent notifies Peachng, in writing or via mail, of imminent fraud by another person on the Agent’s account within 24 hours of such fraud. PEACHNG’S OBLIGATIONS To make available the website/app 24hours a day and 7 days a week To perform a proper identity check on Agent To work on dispute transaction that have been properly logged on Agent’s account To conduct investigations on the Agent prior to opening an account for the Agent. Not to store or save Agent or their customer’s debit or credit card details given by the Agent in the application and or the dispute form TERMINATION OF THE ACCOUNT In addition to Termination by default, we may terminate this Agreement at any time and for any reason subject to the requirements of applicable law. We can terminate your Account by sending written notice to the email address on your application. If there is no debit or credit on this Account for twelve (12) consecutive months, we may terminate this Account without notice to you. When Termination arises as a result of default, you will not be able to log dispute and perform any other transaction on your Peachng account in future INDEMNITY You indemnify Peachng against any losses arising from any dispute logged via this platform. You irrevocably authorise PEACH.NG to debit (without any prior notice to me and my customer) funds in my customer’s accountafter confirmation of reversal to the customer’s account. Undertake to indemnify and keep PEACH.NG indemnified against any damages, costs and expenses whatsoever including all legal and other costs, charges and other expenses you may incur by reason of logging the dispute of the failed transaction That the rights, powers, privileges or remedies provided in this indemnity are cumulative and not exclusive of any rights, powers, privileges or remedies provided by the law and this Indemnity shall be a continuing security. Peachng shall charge a one-time processing fee the first time an Agent sets up a new debit card on the Account. In the event the card is expired or about to expire, you will have to obtain a renewed card from your bank or provide us with another personal debit card. You hereby indemnify us against any and all losses, liabilities or damages that may arise in the event that you use a third party’s card on your Account without the consent of such third party. You understand and agree that we do not store card details on our platform thus card details shall be processed through a secure payment gateway that is PCI DSS compliant. To give Peachng authentic and up-to-date personal, social media, phone and financial records about you that we may reasonably request and analyze, from time to time. The Agent shall indemnify and hold harmless Peachng and its representatives (each, an “Indemnified Person”) from and against any and all suits, actions, proceedings, claims, damages, losses, liabilities and expenses (including, without limitation, counsel’s fees and disbursements and other costs of investigation or defense, including those incurred upon any appeal) which may be instituted or asserted against or incurred by any Indemnified Person as the result, suspended or terminated under this Agreement or any documents and the administration of such and in connection with or arising out of the transactions contemplated under this Agreement or any document and any actions or failures to act in connection therewith and any legal costs and expenses arising out of or incurred in connection with disputes between or among any parties to this Agreement or any loan document (collectively, “Indemnified Liabilities”); provided, that the Agent shall not be liable for any indemnification to an Indemnified Person to the extent that any such suit, action, proceeding, claim, damage, loss, liability or expense results solely from that Indemnified Person’s gross negligence or wilful misconduct, as finally determined by a court of competent jurisdiction. Not to give us false information or signatures, electronic or otherwise, at any time. To promptly notify us if you change your name, your mailing address, your e-mail address or your telephone number. To honor any other promises that you make in this Agreement. That you will not accept this Account unless you are of legal age and have the capacity to enter into a valid contract. Not to use Peachng only for any act of illegality or criminality as Peachng will not be criminally culpable for any illegality committed by you. To fill out the registration form (as provided) with accurate information and details as required. PROHIBITED ACTIVITIES You may not access or use the Site for any purpose other than that for which we make the Site available. The Site may not be used in connection with any commercial endeavours except those that are specifically endorsed or approved by us. As a user of the Site, you agree not to: systematically retrieve data or other content from the Site to create or compile, directly or indirectly, a collection, compilation, database, or directory without written permission from us. make any unauthorized use of the Site, including collecting usernames and/or email addresses of users by electronic or other means for the purpose of sending unsolicited email or creating user accounts by automated means or under false pretences. use a third party account on this site to make purchases on the Site. use the Site to advertise or offer to 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; make improper use of our support services or submit false reports of abuse or misconduct. sell or otherwise transfer your profile. use any information obtained from the Site in order to harass, abuse, or harm another person. use the Site as part of any effort to compete with us or otherwise use the Site and/or the Content for any revenue-generating endeavour or commercial enterprise. decipher, decompile, disassemble, or reverse engineer any of the software comprising or in any way making up a part of the Site. attempt to bypass any measures of the Site designed to prevent or restrict access to the Site, or any portion of the Site. harass, annoy, intimidate, or threaten any of our employees or agents engaged in providing any portion of the Site to you. copy or adapt the Site’s software, including but not limited to Flash, PHP, HTML, JavaScript, or other code. upload or transmit (or attempt to upload or to transmit) any material that acts as a passive or active information collection or transmission mechanism, including without limitation, clear graphics interchange formats (“gifs”), 1×1 pixels, web bugs, cookies, or other similar devices (sometimes referred to as “spyware” or “passive collection mechanisms” or “pcms”). except as may be the result of a standard search engine or Internet browser usage, use, launch, develop, or distribute any automated system, including without limitation, any spider, robot, cheat utility, scraper, or offline reader that accesses the Site, or using or launching any unauthorized script or other software. disparage, tarnish, or otherwise harm, in our opinion, us and/or the Site. use the Site in a manner inconsistent with any applicable laws or regulations.