Please read these Wallet Terms and Conditions of Use (“Terms”) carefully before registering on and/or using this Service as these Terms govern all Your transactions with us and through us, and every one of our subsidiaries, as recognized by us. Your compliance with these terms and conditions is a prerequisite for Your use of this Service. If You do not agree to be bound by these Terms and conditions, exit this site.
By clicking Sign Up and Accept, You agree to be bound by these Terms, Clafiya’s Terms and Conditions of Use (T&Cs) and Clafiya’s Privacy Policy.
References to “You” and “Your” shall in all instances mean Users operating within the network of this Service; including agents, representatives, and beneficiaries of the aforementioned category of persons described under “You” and “Your” as the context permits.
References to “Us”,” Our’’ and “We” shall in all instances mean Clafiya and its self-recognised subsidiaries.
Account: means a Wallet Account created on our Network by a User. Such an account must remain active to qualify as an Account within the context considered under these Terms; A dormant period shall be for a term of one year after which a lack of activity may mandate a reactivation process of Your account.
Beneficiaries: Family Members or Friends added to User’s Wallet Account, who can utilise the Sponsor’s Wallet Account Balance.
Service: mean Clafiya Wallet Service.
Service Provider: means anyone and/or organisation or a representative of the latter who hold out as providing any type of service and/or possessing any type of skill and/or knowledge and/or talent to offer in connection with a service.
Sponsors: Users with an active Wallet Account on Clafiya.
Organization(s)-include but are not limited to Companies, business names, partnerships, and charitable organisations.
Network: This refers to all of Clafiya technologies including website, mobile applications, USSD service directly and indirectly involved in sustaining, delivering and interfacing with our provided services.
Third Parties: Implies external Service Providers within our Network, that may be addressable as by links within our websites or other means within our Network
We may from time to time provide hyperlinks to External Internet Sites maintained by Third Parties and/or other access to external services provided by third parties (including the Third-Party services) that are not under Clafiya’s control (collectively the “Third Party sites and services”). Clafiya assumes no responsibility for the content, functionalities, security or accuracy of such Third-Party sites and services. The appearance of any such hyperlinks or other access does not constitute endorsement or sponsorship of, or affiliation with, the owners or providers of such Third-Party sites and service, or the information, products, services, and trademarks contained therein or provided thereby.
Usage of Third-Party services accessible from our network is at Your own risks. We shall not be held liable for any dispute or mishap suffered by You in the event of interaction with any Third Party. You acknowledge that all Your interaction with any Third Party will be treated as absolutely independent of us. You further acknowledge that Your compliance with such third party’s applicable law is Your sole responsibility and not Clafiya’s, and You will be solely responsible for whatever issues and legal claims that may arise thereto.
These Terms and Conditions of Use govern all Your transactions with us and each of our subsidiaries, as recognised by us. Your compliance with these Terms and Conditions of Use is a prerequisite for Your use of our services. If You do not agree to be bound by these Terms and conditions of Use, promptly exit this Site.
User: means all individuals, institutions or organisations that access or use Clafiya or Clafiya Wallet Services and who meet the criteria and conditions stipulated by Clafiya.
WebApp: refers to the web application or platform through which User’s access and use Clafiya Wallet Account services.
The website, mobile application, wallet, and any affiliated documentation not declared otherwise is the sole intellectual property of Clafiya. Our intellectual property rights and trade names are protected under the extant laws and regulations applicable in Nigeria for our operations in Nigeria and under various international conventions in instances outside Nigeria. No title or equity of the website or any portion thereof is transferred to You by virtue of Your patronage.
Our Service is designed to assist You in saving for healthcare expenses and facilitating easy healthcare-related payments.
You will be able to use the Wallet Service by registering and applying for the Wallet Service in accordance with the procedures, means and conditions of Clafiya. To use Your Wallet at any moment, you must provide the relevant login information (Username and Password). If You enter erroneous login details three (3) times, the system will temporarily stop Your Wallet Service and You will only have access to Your Wallet after we have validated Your Identity.
You can transfer funds to Your Clafiya Wallet account through various options available on the WebApp, including bank transfer or card payments via our payment partner, Paystack. The funds will be held in the Wallet Account number provided by Paystack until the You, or Your beneficiary(ies) make a healthcare purchase or book an appointment. At that point, the funds will be transferred to Clafiya's account, and the corresponding amount will be deducted from the Your Wallet balance, which can be viewed on the WebApp. You can check the balance of funds in Your Clafiya Wallet account at any time by logging into Your account on the WebApp.
If Your Clafiya Wallet account does not have sufficient funds to cover the healthcare costs You or Your beneficiary intends to incur, You will be advised to either fund Your wallet or use a pay-as-you-go approach.
Please note that funds in the Clafiya Wallet Account cannot be used to make purchases of services not provided by Clafiya or its partners. Additionally, You cannot withdraw funds or utilize them for any purpose not supported on the WebApp.
You are solely responsible for assessing whether the funds debited from Your debit card and the funds maintained in Your Clafiya Account meet Your requirements. We do not assume responsibility for any third-party fees associated with the use of external payment services or transfer charges.
This Service is only available to persons who are18 years and above. By accessing this Service, You warrant and/or hold out Yourself to have attained the mandatory age of 18. If You are under 18 (eighteen) years, but above 12 (twelve) years (“Minor”), please read Our Privacy Policy and seek consent from Your parents/guardians before proceeding to sign up for Our Services through the WebApp.
Our collection, use, storage, and disclosure of Your information is governed by Our Privacy Policy.
You understand that We share the personal information and any other information, like health records of our Users with affiliated companies, service providers, and health care practitioners. You further understand that We share personal information with financial service providers (for interests) and non-financial companies, such as email service providers that perform marketing services on our behalf.
You acknowledge that Clafiya does not control the transfer of data over telecommunications facilities and that the Internet is inherently insecure and provides opportunity for unauthorized access by third parties. You are responsible for maintaining the security of Your own systems, servers, communications links, and data, and for providing secure access to those systems and data, including Personal Data (as defined in the Clafiya Privacy Policy). You will not disclose Personal Data to Clafiya other than that which is reasonably required for Us to carry out our obligations under these Terms, and then only during the time period reasonably required.
You agree to put in place appropriate privacy and security safeguards designed to prevent the unauthorized use and disclosure of Your Personal Data including not disclosing Your passwords to Third-Parties.
Clafiya makes no guarantees and disclaims any implied warranty binding on services delivered by service providers on the Network and in connection with the Wallet Account. We assume no liability arising from or relating to the delay, failure, interruption, or corruption of any data or other information transmitted within our network. You agree to bear full responsibility for any loss incurred during Your interaction with our network.
You agree not to use, nor permit Your beneficiary to use, the Service to upload, post, or otherwise transmit any data that:
You agree to indemnify, defend and exempt Clafiya from any liability, loss, claim, suit, damage, and expense (including reasonable attorneys' fees and expenses) related to Your breach of these Terms of Use or violation of public law, or proven compromise of Your user account details from Your end.
We shall not be liable for any direct, indirect, punitive, incidental, special, consequential or exemplary damages, including without limitation, damages for loss of data, goodwill, use, data, or other intangible losses from the use of, inability to use, or unavailability of a Wallet. Under no circumstances will we be responsible for any damage, loss or injury resulting from hacking, tampering or other unauthorised access or use of Your card in Your Clafiya’s Wallet Account.
Representatives of organisations, together with such organisations which they represent are singularly and collectively bound to our terms and conditions. We reserve the right to reach out to organisations at any time with the aim of confirming the identity of its representative and/or anybody who holds out himself or herself to be in the service of such organisation. By holding out Yourself to be the representative of an organisation You agree that You indemnify and hold Clafiya harmless in the event that such claims as purported by You becomes contested or disproved.
Sponsors shall have the ability to add up to six (6) beneficiaries (friends and families) to the Wallet Account, provided they have obtained the explicit consent of such beneficiary. Both the Sponsor and Beneficiaries can access the Sponsor’s Wallet balance to make payments for transactions initiated by them.
Sponsors agree to bear the responsibility of ensuring that their beneficiaries utilise the Wallet service responsibly and in compliance with the specified Terms. Sponsors retain the right to remove beneficiaries from their accounts at any time.
We may from time to time provide hyperlinks to External Internet Sites maintained by Third Parties and/or other access to external services provided by third parties (including the Third-Party services) that are not under Clafiya’s control (collectively the “Third Party sites and services”). Clafiya assumes no responsibility for the content, functionalities, security or accuracy of such Third-Party sites and services. The appearance of any such hyperlinks or other access does not constitute endorsement or sponsorship of, or affiliation with, the owners or providers of such Third-Party sites and service, or the information, products, services, and trademarks contained therein or provided thereby.
You hereby undertake to use such third-party sites external services of which access is granted on this Network at your own risk, therefore we would not be held liable and /or responsible in the event any dispute arises during your use of such Third-Party services. You further undertake that your compliance with such third party’s applicable law is your sole responsibility and not Clafiya’s, and you will be solely responsible for whatever issues and legal claims that may arise thereto.
We may at Our sole discretion restrict or close Your User Account if:
You have the option to discontinue using the Service, close Your Clafiya Wallet Account, and terminate these Terms at any time. To initiate the process, You can contact us at hello@clafiya.com and provide the necessary information for Us to verify their identity. If there are any pending transactions associated with Your Clafiya Account at the time we receive Your termination notice, we will promptly close Your Clafiya Account once these transactions are finalised.
After closing Your Clafiya Account, we will transfer the funds from Your Clafiya Account to the bank account You have provided on request. Any termination of these Terms is without prejudice to any accrued rights and/or remedies.
Any disputes or claims arising between You and us are governed by, and construed in accordance with, the laws of the Federal Republic of Nigeria.
In the event of any dispute arising between You and us, You shall give Clafiya a dispute notice and first privilege to reach an amicable resolution within sufficient time before resorting to other means. Other means can only be arbitration in accordance with the Arbitration and Conciliation Act, Laws of the Federal Republic of Nigeria, 2004. Note that the party demanding Arbitration shall bear the costs associated with such arbitration proceedings.
Each party irrevocably agrees that the courts of Nigeria shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with this agreement or its subject matter or formation (including non-contractual disputes or claims).
We will not be considered to be in breach of these Terms of Use or liable for any breach of these terms due to any event or occurrence beyond our reasonable control, including without limitation, pandemic, acts of God, terrorism, war, failures of any public networks, civil disorder, fire and/ or other such disasters.
You hereby waive Your right under these terms and conditions to bring a class action against us.
If at any time any part of these Terms and Conditions or the application thereof is determined by a court of competent jurisdiction to be invalid, the integrity of the other parts and the application shall not be affected thereby, and all such other parts shall remain effective and shall be enforced to the fullest extent permitted by law.
We reserve the exclusive right to revise, modify and/or alter these Terms at its sole discretion and at any time, without notifying You besides uploading such revised Wallet Terms and Conditions of Use on this Service. Such updated and/or revised Wallet Terms and Conditions of Use once Uploaded on this Service becomes effective seven (7) days after it is uploaded. Please note that if You continue to use this Platform upon the expiration of the said seven (7) days after we have uploaded our updated and/or revised Wallet Terms and Conditions of Use, then You have unequivocally expressed Your acceptance to be bound by them. You are expected to stop using and/or accessing this Service if You do not agree to the altered and/or revised Wallet Terms and Conditions of Use.
The words “upload” “uploaded” and “uploading” as used in these Terms, include but not limited to, the act of posting, publishing, updating, submitting, and displaying materials.
This Wallet Terms and Condition of Use takes effect from the 13th day of May, 2023.