Introduction: These terms and conditions govern the use of XTRATECH GLOBAL SOLUTIONS LIMITED 's (XTRAPAY) Wallet Services, Bill Payments, Agency Banking, and Other ICT Services (the "Services") . By using the Services, you agree to be bound by these terms and conditions. If you do not agree to these terms and conditions, do not use the Services.

Definitions:

"User" refers to the individual or entity that has registered for and is using the Services.

"Account" refers to the virtual wallet or account created by the User for the purpose of using the Services.

"Transaction" refers to any use of the Services, including but not limited to, the transfer of funds, payment of bills, and any other financial transactions performed through the Services.

Eligibility:

The Services are only available to individuals or entities that can form legally binding contracts under applicable law.

The User represents and warrants that they are of legal age to form a binding contract and are not a person barred from receiving the Services under the laws of the jurisdiction in which they reside.

Account Creation:

To use the Services, the User must create an Account by providing XTRATECH GLOBAL SOLUTIONS LIMITED with accurate, complete and up-to-date information as required by the registration process.

The User is responsible for maintaining the confidentiality of their Account information, including but not limited to their password, and for all activities that occur under their Account.

The User agrees to notify XTRATECH GLOBAL SOLUTIONS LIMITED (XTRAPAY) immediately of any unauthorized use of their Account or any other breach of security.

Transactions:

The User may use the Services to perform Transactions subject to the fees and limits specified by XTRATECH GLOBAL SOLUTIONS LIMITED (XTRAPAY).

XTRATECH GLOBAL SOLUTIONS LIMITED (XTRAPAY) may, in its sole discretion, change the fees and limits for the Services at any time by posting a revised version of these terms and conditions on its website.

XTRATECH GLOBAL SOLUTIONS LIMITED does not guarantee the availability of the Services at all times and shall not be liable for any losses arising from unavailability of the Services.

Refunds and Cancellations:

All Transactions are final and non-refundable, unless otherwise determined by XTRATECH GLOBAL SOLUTIONS LIMITED (XTRAPAY).

XTRATECH GLOBAL SOLUTIONS LIMITED (XTRAPAY) reserves the right to cancel or reverse a Transaction if it determines, in its sole discretion, that the Transaction violates these terms and conditions or is illegal.

Intellectual Property:

The Services and all materials contained therein, including but not limited to software, images, text, graphics, logos, patents, trademarks, service marks, copyrights, photographs, audio, videos, and music (the "Intellectual Property"), are owned by XTRATECH GLOBAL SOLUTIONS LIMITED (XTRAPAY) or its licensors and are protected by copyright and trademark laws.

The User may not use any Intellectual Property for any purpose without the express written consent of XTRATECH GLOBAL SOLUTIONS LIMITED (XTRAPAY).

Disclaimer of Warranties:

The Services are provided "as is" and XTRATECH GLOBAL SOLUTIONS LIMITED (XTRAPAY) makes no representations or warranties of any kind, express or implied, as to the operation of the Services or the information, content, materials, or products included therein.

XTRATECH GLOBAL SOLUTIONS LIMITED does not warrant that the Services will be uninterrupted or error-free and XTRATECH GLOBAL

SOLUTIONS LIMITED (XTRAPAY) will not be liable for any interruptions or errors.

Notice for Claims of Intellectual Property Violations and Copyright Infringement

If you are a holder of intellectual property rights or a person authorized to act in the name of a holder of intellectual property rights and you reasonably believe that information which is posted to the Resource someway infringes your intellectual property rights or intellectual property rights of a person, in which name you act, you may provide notification to the Administrator requiring to delete such material. In this regard you shall warrant that your appeal has a legal basis, and you act in good faith according to law.

Providing relevant notification concerning infringement of rights you shall ensure that your request corresponds to the form below and includes the following:

- an appeal should include physical or electronic signature of a person empowered for acting in the name of a holder of exclusive right, which is believed to be infringed;

- the items of intellectual property right, rights on which were supposedly infringed, shall be specified. If several items exist, the entire list of such items shall be provided;

- you shall specify materials (with an indication of specific URL-pages), which are stated to infringe rights or themselves are the objects of infringement;

- you shall provide contact information so that the Administrator would be able to contact you, for example, address, phone number, and email address;

- signed application with regard to your faithful and reasonable believe in that materials being the objects of complaint concerning infringement of intellectual property rights are used without a right holder’s or its representative’s consent, and also that this is not allowed by law;

- signed application with regard to that a holder of intellectual property rights releases the Administrator from any third parties' claims related to deletion of relevant materials by the Administrator;

- signed application with regard to that information contained in a notification is accurate under penalty of perjury, and you are authorized to act in the name of a holder of exclusive right, which has been supposedly infringed;

- statutory regulations indicated which you believe to be violated in connection to using of disputable content;

- state indicated, in which territory you believe the rights to be infringed;

- copies of documents establishing rights for an object of intellectual property right, which is subject to security, as well as a document that confirms powers for acting in the holder’s name, in attachments to your appeal.

- relevant notification shall be sent to email support@xtratechgs.com

Antispam policy

These Rules strictly prohibit mailing out of undesirable advertisements via email, or of any other undesirable messages, or by means of the Resource. Administrator may periodically control letters delivery within the Resource for spam mailouts.

Limitation of liability

ALL SERVICES RENDERED BY THE ADMINISTRATOR ARE RENDERED “AS IS”, “AS AVAILABLE” AND “WITH ALL FAULTS”, AND THE ADMINISTRATOR DISCLAIMS ALL WARRANTIES, EXPRESSED OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY GUARANTIES REGARDING CONDITION, QUALITY, LIFE DURATION, PERFORMANCE, ACCURACY, RELIABILITY, COMMERCIAL VALUE AND SUITABILITY FOR SPECIFIC PURPOSES. ALL SUCH WARRANTIES AND LIABILITIES ARE HEREBY EXCLUDED.

THE ADMINISTRATOR MAKES NO WARRANTIES CONCERNING AUTHENTICITY, ACCURACY, CORRECTNESS, RELIABILITY, QUALITY, STABILITY, COMPLETENESS OR CURRENCY OF ANY INFORMATION PROVIDED BY MEANS OF THE RESOURCE; THE ADMINISTRATOR MAKES NO WARRANTIES CONCERNING THAT MANUFACTURING, IMPORT, EXPORT, OFFER, DISPLAYING, PURCHASE, SALE AND/OR

USE OF PRODUCTS OR SERVICES, WHICH ARE OFFERED OR DISPLAYED ON THE RESOURCE DO NOT INFRINGE ANY THIRD PARTIES’ RIGHTS; AND THE ADMINISTRATOR MAKES NO WARRANTIES OR REPRESENTATIONS OF WHATSOEVER NATURE CONCERNING ANY PRODUCTS OR SERVICES OFFERED OR PROVIDED ON THE RESOURCE.

Any data downloaded or in any other way acquired by means of the Resource are created at each User’s discretion, and each User shall be fully responsible for any damages inflicted to the computer system or loss of data, which may arise as a result of downloading of any such data.

The Administrator and affiliated parties shall bear no responsibility for materials posted by the Users, as well as for goods and services offered by the User for trade. The Administrator disclaims all warranties regarding that quality of goods and services acquired by means of the Resource will be consistent with a buyer’s expectations and/or demands. The Administrator makes no warranties about that goods, services or information ordered by means of the Resource will be provided by the Resource User in accordance with a buyer’s expectations.

Indemnity

Each User agrees to be obliged to indemnify the Administrator, affiliated parties, directors, officials and employees from any and all losses, claims, liabilities (as well as from legal costs to the fullest extent), which may arise

following Users’ use of the Resource, as a result of violation of any condition of the Terms and Conditions, or violation of representations and warranties made by him/her towards the Administrator.

Each User hereby agrees to indemnify the Administrator, affiliated parties, directors, officials and employees from any and all losses, claims, liabilities, which may arise, whether directly or indirectly, as a result of any claims, made by holders/claimants of the Third parties or other parties’ rights, related to the goods and services offered or displayed on the Resource. Each User hereby acknowledges that the Administrator shall have no liabilities or responsibilities against you with regard to any data posted by any other persons, as well as those discreditable or illegal, and risk of losses related to such data remains entirely with each User.

The Administrator shall not be responsible for any expressed or implicit, penalty, accidental or consequential losses or damage of whatsoever nature (including, but not limited to, losses related to loss of profit or saving, termination of business, loss of information, loss of benefit), incurred as a result of transactioning, negligence, delinquency, or in any other way, or any other losses related to the following actions:

- use or impossibility of use of the Resource;

- in case of any defects of goods, patterns, data, information or services purchased of otherwise acquired from the User or by any other party by means of the Resource;

- infringement of the third-party's rights or claims, or requirements for production, import, export, distribution, offer, display, acquisition, sale and/or use of User’s products or services, offered or displayed on the Resource, which may infringe or may be purported as infringing the third parties’ rights; or a claim of any party related to rights protection;

- unauthorized third parties’ access to any User’s data or personal information;

- applications or actions of any Resource User; or
- other actions related to use of Resource and arising by negligence, as well.

Enforcement

The Administrator reserves a right to delete or block access to information posted by User without notice in the event of:

- receiving of mandatory judgments of competent public authorities;

- claim of a holder of intellectual property rights to terminate infringement of his/her rights by a user on the Resource; other infringements of rights or legal

interests of other Resource Users, of legal entities or individuals upon their reasonable appeal;

- detecting information, which posting to the Resource is prohibited under these Rules.

The Administrator shall be entitled to block access to information posted by users to the Resource at its sole discretion having provided a user with relevant substantiation.

Users and organizations interaction

The Administrator disclaims any responsibility for User’s interaction with any organizations and/or persons in the course of using of the Resource. This includes, but not limited to, payments for and delivery of goods and services, as well as any other interaction in relation to other organizations and/or individuals. Transactions are concluded only between Users and such organizations and/or individuals. The Administrator disclaims responsibility for such interactions or other losses incurred following such relations or interactions. If any dispute arises between you and one or several other users, you shall indemnify the Administrator, its officials, employees, agents and successors from any and all claims, requirements and losses (whether direct or indirect) of whatsoever kind or nature, which arise or relate to such disputes and /or goods and services.

Miscellanies

Except as otherwise provided, if any provision of this Terms and Conditions is held to be invalid, void or for any reason unenforceable, such provision shall be struck out and shall not affect the validity and enforceability of the remaining provisions. In our sole discretion, we may assign this Terms and Conditions, and in such event, we will post notice on xtrapay.ng

Our failure to act with respect to a breach by you or others does not waive our right to act with respect to subsequent or similar breaches. We do not guarantee we will take action against all breaches of this Terms and Conditions.

The policies posted on our sites may be changed from time to time. Changes take effect when we post them on the Resource.