Who we are

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Terms of Use

These
Terms of Use, and any documents referred to herein, set out the terms and
conditions on which you are permitted to use our websites,www.yagoutpay.com(hereafter
“Website”).

These
Terms of Use are effective from 23 September, 2024.

By
accessing and using our website, we consider that, you accept our terms and
conditions contained herein under. Thus, we highly recommend you not continue
using the service we offer in our website if you do not agree to be bind by all
the terms and conditions provided on this page.

Terms
and Conditions provided herein under shall apply in full force and effect to
your access and use of our Website. If you do not comply with all the
provisions here under, then you will be liable for all resulting damages
suffered by you on YagoutPay and all third parties. That being the case, we
strongly recommend you to read and understand the following terms and condition
carefully before being agreed to be bound by the terms and conditions document.
If for any reason whatsoever you do not agree to these Terms of Use or do not
wish to be bound by them, you must not access or use our website.

 Our details


Yagout Pay Financial Technology S.C. (we, our
and us) operates the website.
Yagout Pay Financial Technology S.C. is
incorporated under the laws of Ethiopia & whose office address located
at Bole sub-city, Wereda 03, Hs. No. New, Phone No: 0116722772,
Addis Ababa, Ethiopia.


 

 

Your responsibility for others who
access our website using your device or internet connection

You
must ensure that any persons who access our website on your computer(s) or
device(s), or who are permitted or able to access our website on your
computer(s) or device(s), or who use your internet connection, are aware of
these Terms of Use and all other documentation referred to in them, and that
such persons also agree to be bound by and to comply with these Terms of Use.
If for any reason whatsoever, such persons do not agree to these Terms of Use
or do not wish to be bound by them, they must not access or use our website,
and you must not permit them to do so.

Other documents governing your use
of our website


In addition to these Terms of Use, your use of
our website is also governed by the following documents:


a.   Our
privacy policy, which is available at www.yagoutpay.com/privacy-policy/
governs our use of your information. It sets out the types of information we
collect, the reasons we collect it, how we use it, where we may pass it on to
any third parties, in what circumstances and for what reasons, and any other
relevant information relating to our use and/or processing of your information
and your rights in relation to your information.



Our cookies policy, which is
available at www.yagoutpay.com/cookie-policy/
governs our use of cookies on our website. It sets out the types of
cookies we use, the purposes for which we use them and other relevant
information relating to cookies.

Accessing and using our website, you agree to
be bound by the terms and conditions contained in these Terms of Use, you
acknowledge that we will process your information in accordance with our
privacy policy and cookies policy.
If you do not agree to the terms set out in
these Terms of Use, you must not use our website.


Availability of our website

1.   the
website will be made available at any specific time or from any specific
geographical location;



your access to the website will be
continuous or uninterrupted;
the website will be accessible or
optimized on all browsers, computers, tablets, phones or viewing
platforms.
we reserve the right to suspend
access to all or part of the website for any reason, including for
business or operational reasons, such as improving the appearance or
functionality of the website, content updates, periodic maintenance, or
to resolve any issues that we become aware of. Wherever we anticipate
that we need to suspend access to the website for a considerable period
of time, we will try to provide you with prior notice where reasonably
practicable.



Changes we may make to these Terms
of Use and other documentation


We reserve the right to update these Terms of
Use, our privacy policy, our cookies policy and any other documentation
referred to in any of these documents from time to time. We may change our
Terms of Use and other documentation for any reason, including:


a.    
to reflect any changes in the way we
carry out our business;



to account for any changes we make
to our website, including, without limitation, any new features or
functionality we provide, any adjustments to the means by which we
provide notices to you, or any changes in the content, purpose or
availability of the website;
accurately describe our current
data processing activities so that you are kept up to date with our
latest practices;
to inform you of any changes in
the way that we use cookies or similar information gathering
technologies;
to ensure that our documentation
complies and remains compliant with any and all current and future
applicable laws, regulations and official guidance.

If required by law, we will provide you with
notice of any changes in these Terms of Use or the other documentation
referred to in them by posting a notice on the website and/or by posting
an updated version of these Terms of Use or other such documentation on
our website with a new effective date stated at the beginning of them.
By continuing to access our website after we
have updated our Terms of Use, terms of sale, and/or user content
agreement, you agree to be bound by those updated versions. You also
acknowledge that by continuing to access our website after we have updated
our privacy policy and/or our cookies policy that the practices set out in
those updated policies will apply to our handling of your information and
our use of cookies.
You must check these Terms of Use and all other
documentation referred to in them each time you access our website in
order to ensure that you are aware of the terms that apply to you at that
time.
The date that these Terms of Use and/or any
other documents (including our privacy policy and cookies policy) were
last amended is set out at the top of that document and is referred to as
that document’s “effective date”.


Your account details


If we provide you with account information such
as a user name, identification number, account code and/or password, you
must keep such information confidential and secret and not disclose it to
anyone. All account information is provided for use of the named account
holder only, and not for any other person. You are responsible for any
consequences of unauthorized access to your account due to any disclosure
of your account information to any third party.
Where we provide you with the option to select
your own login information, including a password, we recommend that you
supply login information unique to your own use of this website, and do
not use information from other accounts you may hold with other websites
or any easily discoverable information about you. You are responsible for
any consequences of unauthorized access to your account due to any
disclosure of your login information to any third party.
You must never use another user’s account
without permission. When creating your account, you must provide accurate
and complete information. You agree that you will not solicit, collect or
use the login credentials of other individuals. We prohibit the creation
of, and you agree that you will not create, an account for anyone other
than yourself. You also represent that all information you provide to us
upon registration and at all other times will be true, accurate, current,
and complete. You agree to update your information as necessary to
maintain its truth and accuracy.
We reserve the right to withdraw access to your
account without notice for any actual or suspected breach of these Terms
of Use or any other documentation referred to in them, including, without
limitation, where we suspect that there has been unauthorized access to
your account, or any unauthorized disclosure of your login information.
If you know or suspect that the confidentiality
of your login information has been compromised, you must immediately
change your password. If you are unable to change your password, you must
immediately notify us by email at info@yagoutpay.com


Ownership of material on our
website

All
trademarks, service marks, trade names, logos, copyright and other intellectual
property rights in our website and its content are owned by us. All such rights
are protected by intellectual property laws around the world, and all rights
are reserved. Any use of the website and its contents, other than as
specifically authorized herein, is strictly prohibited. Any rights not
expressly granted herein are reserved by us.

Information and content on our
website provided on non-reliance basis

Our
website is made available to you in order to provide you with general
information about us, our business, and any products or services that we offer
from time to time. We do not make our website available for any other purposes,
except as expressly provided in these Terms of Use.

Permitted use of
materials on our website


The content on our website is provided for your
personal, private and non-commercial use only. You may print or share the
content from our website for lawful personal, private and non-commercial
purposes, and you may also make others within your organization aware of
the content on our website. You may not otherwise extract, reproduce or
distribute the content of our website without our prior written consent.
Whenever you print, download, share or pass on
content from our website to others, you must not make any additions or
deletions or otherwise modify any text from our website, you must not
alter or change any images, media or graphics from our website in any way,
you may not remove any accompanying text from such images, media or
graphics, and you must ensure that all content passed on to any third
party is an accurate representation of the content as it appears on our
website.
You are prohibited from using any robots,
spiders, data mining or scraping technology or any similar third party
tools for the extraction or reproduction of any data or content from our
website without our prior written consent.
Whenever you pass on any content or materials
from our website to anyone, you must acknowledge us as the authors of such
content or materials at the time when you pass on such content or
materials.


Prohibited uses of our website


You must not reproduce, duplicate, copy or
resell any part of our website or any content from our website, save and
except to the extent expressly permitted in these Terms of Use.
You must not, without our prior written
consent, access, interfere with, damage or disrupt in any way our website
or any part of it, our systems, any of our hardware or equipment or any
networks on which our website is hosted, any software that we use to
create or modify the website or to make the website available to you, or
any hardware, equipment, network, server, software or technology owned or
operated by us or any third party.
You must use our website for lawful purposes
only and in accordance with these Terms of Use. You must not use our
website:


a.   for
any purpose that is unlawful or that in any way breaches any applicable laws or
regulations, whether local, national or international;



for any fraudulent purposes
whatsoever;
to conduct any unsolicited or
unauthorized advertising or direct or indirect marketing to anyone by any
means, or to otherwise spam, communicate with or market to anyone any
goods, services or business not authorized by us;
to upload, host or transmit any
viruses, malware, adware, spyware, worms, Trojan horses, keystroke
loggers, spyware, logic bombs, time bombs or any other harmful programs
or code which could adversely affect the use or operation of the website,
our hardware or systems, or the computers, tablets, phones or other
devices of any users or other third parties, or to upload any content or
materials containing any such content;
to communicate with, harm or
attempt to harm children in any way;
in any way or for any purpose that
breaches these Terms of Use or the terms of any of the documents these
Terms of Use refer to.

You must not submit any information about you
to us if you are under the age of 18, or if they are aged 18 or above,
where you have not received their prior written consent to submit
information about them to us.
You must not
submit to us any information which is considered ‘sensitive personal
information’. ‘Sensitive personal information’ is information about you or
any other person which reveals your or their racial or ethnic origin,
political opinions, religious or philosophical beliefs, trade union
membership or which is genetic data, biometric data, information which
concerns your or their health, sex life or sexual orientation.


Viruses and other harmful content


We do not guarantee that our website does not
contain viruses or other malicious software.
We shall not be responsible for any bugs or
viruses on our website, or any software that might be transferred to your
computer from our website, or any consequences which the presence or
operation of such programs may have.
You must ensure that you have in place up-to-date
and effective anti-virus protection on your computer or other browsing
device.
You must not upload or otherwise introduce to
our website any viruses, malware, spyware, adware, Trojan horses, worms,
logic bombs, time bombs, keystroke loggers or any other programs or code
that is harmful or malicious.
You must not use any third parties, software or
technology to attempt to gain unauthorized access to our website, our
servers, systems, hardware, software or data.
You must not attempt to perform any denial of
service type attack on our website.
We may report any breach or suspected breach
(Viruses and other harmful content) to the relevant authorities and
may disclose your identity.


 

 

LIMITATION OF LIABILITY

YOU
AGREE TO THE LIMITATION LIABILITY CLAUSE TO THE MAXIMUM EXTENT PERMITTED BY
APPLICABLE LAW. YAGOUTPAY WILL IN NO WAY BE LIABLE FOR ANY DIRECT, INDIRECT,
INCIDENTAL PUNITIVE, CONSEQUENTIAL, SPECIAL OR EXEMPLARY DAMAGES OR ANY DAMAGES
INCLUDING DAMAGES RESULTING FROM REVENUE LOSS, PROFIT LOSS, USE, DATA, GOODWILL
, BUSINESS INTERRUPTION OR ANY OTHER INTANGIBLE LOSSES (WHETHER YAGOUTPAY HAS
BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR NOT) ARISING OUT OF
YAGOUTY’S WEBSITE OR SERVICES (INCLUDING, WITHOUT LIMITATION TO INABILITY TO
USE, OR ARISING FROM THE RESULT OF USE OF YAGOUTPAY’S WEBSITE OR SERVICES)
WHETHER SUCH DAMAGES ARE BASED ON WARRANTY, TORT, CONTRACT, STATUTE OR
OTHERWISE. 

INDEMNIFICATION


You (and also any third party for or on behalf
of whom you operate an account or activity on the website) agree to defend
(at our request), indemnify and hold us harmless from and against any
claims, liabilities, damages, losses and expenses, including, without
limitation, reasonable legal and attorneys’ fees and costs, arising out of
or in any way connected with any of the following (including as a result
of your direct activities on the website or those conducted on your
behalf):


a.   your
uploads, access to or use of the website;



your breach or alleged breach of
these Terms of Use;
your violation of any third-party
right, including, without limitation, any intellectual property right,
publicity, confidentiality, property or privacy right;
your violation of any laws, rules,
regulations, codes, statutes, ordinances or orders of any governmental
and quasi-governmental authorities, including, without limitation, all
regulatory, administrative and legislative authorities; or
any misrepresentation made by you.

You will cooperate as fully required by us in
the defense of any claim. We reserve the right to assume the exclusive
defense and control of any matter subject to indemnification by you, and
you will not, in any event, settle any claim without our prior written
consent.


DISCLAIMERS


THE WEBSITE IS PROVIDED ON AN “AS IS”, “AS
AVAILABLE” AND “WITH ALL FAULTS” BASIS. TO THE FULLEST EXTENT PERMISSIBLE
BY LAW, WE DO NOT MAKE ANY REPRESENTATIONS OR WARRANTIES OR ENDORSEMENTS
OF ANY KIND WHATSOEVER, EXPRESS OR IMPLIED, AS TO:


a.  
THE SERVICE;



THE WEBSITE CONTENT;
USER CONTENT; OR
SECURITY ASSOCIATED WITH THE TRANSMISSION
OF INFORMATION TO THE WEBSITE.



IN ADDITION,
WE HEREBY DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT
LIMITED TO, THE WARRANTIES OF
MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, TITLE,
CUSTOM, TRADE, QUIET ENJOYMENT, SYSTEM
INTEGRATION AND FREEDOM FROM COMPUTER VIRUS.


WE DO NOT REPRESENT OR WARRANT THAT THE SERVICE
WILL BE ERROR-FREE OR UNINTERRUPTED, THAT DEFECTS WILL BE
CORRECTED, OR THAT THE SERVICE OR THE SERVER THAT MAKES THE SERVICE
AVAILABLE IS FREE FROM ANY HARMFUL COMPONENTS, INCLUDING, WITHOUT
LIMITATION, VIRUSES. WE DO NOT MAKE ANY REPRESENTATIONS OR WARRANTIES THAT
THE INFORMATION (INCLUDING ANY INSTRUCTIONS) ON THE
SERVICE IS ACCURATE, COMPLETE OR USEFUL. YOU ACKNOWLEDGE THAT YOUR USE OF
THE WEBSITE IS AT YOUR SOLE RISK. WE DO NOT WARRANT THAT YOUR USE OF THE
WEBSITE IS LAWFUL IN ANY PARTICULAR JURISDICTION, AND WE SPECIFICALLY
DISCLAIM SUCH WARRANTIES. SOME JURISDICTIONS LIMIT OR DO NOT ALLOW THE
DISCLAIMER OF IMPLIED OR OTHER WARRANTIES SO THE ABOVE DISCLAIMER MAY NOT
APPLY TO YOU TO THE EXTENT SUCH JURISDICTION’S LAW IS APPLICABLE TO YOU
AND THESE TERMS OF USE.
BY ACCESSING OR USING THE WEBSITE YOU REPRESENT
AND WARRANT THAT YOUR ACTIVITIES ARE LAWFUL IN EVERY JURISDICTION WHERE
YOU ACCESS OR USE THE SERVICE.
WE DO NOT ENDORSE CONTENT AND SPECIFICALLY
DISCLAIM ANY RESPONSIBILITY OR LIABILITY TO ANY PERSON OR ENTITY FOR
ANY LOSS, DAMAGE (WHETHER ACTUAL, CONSEQUENTIAL, PUNITIVE OR OTHERWISE),
INJURY, CLAIM, LIABILITY OR OTHER CAUSE OF
ACTION OF ANY KIND OR CHARACTER BASED UPON OR RESULTING FROM ANY CONTENT.


AGE RESTRICTIONS ON USE
OF OUR WEBSITE


Our website and
any products or services available on or via the website are not intended
for use by individuals under the age of 18.
IF YOU ARE UNDER
THE AGE OF 18, YOU MUST NOT USE OUR WEBSITE OR SUBMIT ANY INFORMATION
ABOUT YOU OR ANYONE ELSE TO US.
We do not
knowingly or intentionally process information about any individual under
the age of 18.


 

Governing law and jurisdiction


These Terms of Use, any documents they refer
to, and any disputes arising from or in relation to them or any documents
they refer to, whether contractual or non-contractual, shall be governed
by and construed in accordance with Ethiopian law.
The courts of Ethiopia shall have exclusive
jurisdiction over any claims or disputes arising from or in relation to
these Terms of Use and any documents they refer to.


Copyright, credit and logo

The
copyright in these Terms of Use is owned by us and is protected by copyright
laws around the world and copyright protection software. Unless expressly
indicated otherwise, all intellectual property rights in this document and
elsewhere on our website, including any content on our website, are reserved.

 

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