BY CLICKING ON THE “ACCEPT” BUTTON AT THE END OF THE AGREEMENT ACCEPTANCE FORM, USERS AGREE TO BE BOUND BY THE TERMS AND CONDITIONS OF THIS AGREEMENT. PLEASE READ THIS ENTIRE AGREEMENT CAREFULLY BEFORE ACCEPTING ITS TERMS. USAGE OF THIS WEBSITE BY YOU SIGNIFIES YOUR ASSENT TO THE FOLLOWING BINDING AGREEMENT.
THE SITE/APP AND SERVICES COMPRISE AN ONLINE PLATFORM THROUGH WHICH USERS CAN DEPOSIT/ WITHDRAW MONEY; TRANSFER MONEY (SEND/RECEIVE); SHOP ONLINE (ON SELECTED SITES); LOCAL SHOPPING (IN SELECTED SUPERMARKETS, PETROL STATIONS, RESTAURANTS & OTHER OUTLETS); MOBILE RECHARGE; PAY GOVERNMENT UTILITY BILLS (whenever available); RECEIVE SALARY (whenever available); BUY DATA BUNDLE; PAY PRIVATE UTILITY BILLS (whenever available); CHECK TRANSACTIONS HISTORY USING THEIR SMARTPHONES (hereinafter referred to as the “Services”).
IN USING OUR PLATFORM YOU ARE DEEMED TO HAVE READ AND AGREED TO THE FOLLOWING TERMS AND CONDITIONS SET FORTH HEREIN. ANY INCIDENTAL DOCUMENTS AND LINKS MENTIONED SHALL BE CONSIDERED TO BE ACCEPTED JOINTLY WITH THESE TERMS. YOU AGREE TO USE OUR PLATFORM ONLY IN STRICT INTERPRETATION AND ACCEPTANCE OF THESE TERMS AND ANY ACTIONS OR COMMITMENTS MADE WITHOUT REGARD TO THESE TERMS SHALL BE AT YOUR OWN RISK. THESE TERMS AND CONDITIONS FORM PART OF THE AGREEMENT BETWEEN THE USERS AND US. BY ACCESSING OUR PLATFORM, AND/OR UNDERTAKING TO PERFORM A SERVICE BY US INDICATES YOUR UNDERSTANDING, AGREEMENT TO AND ACCEPTANCE, OF THE DISCLAIMER NOTICE AND THE FULL TERMS AND CONDITIONS CONTAINED HEREIN.
1.1 The official language of these terms shall be English.
1.2 The headings and sub-headings are merely for convenience purpose and shall not be used for interpretation.
1.3 In case there exists a machine readable version of this agreement, arises a conflict with the human readable version, the later shall prevail.
2.3 “Services” mean and include but not limited to Deposit/ Withdraw money; Transfer money (Send/Receive); Shop Online (on selected sites); Local shopping (in selected supermarkets, petrol stations, restaurants & other outlets); Mobile Recharge; Pay Utility Bills – Government; Receive Salary; Buy Data Bundle; Pay Utility Bills – Private; Transactions History.
2.5 “Content” means text, graphics, images, music, software, audio, video, information or other materials.
2.6 “User Content” means all content that a user submits or transmits to be made available through our platform.
2.8 “Collective Content” means User Content and our platform content.
2.9 “SNS” shall mean Social Networking Site such as Facebook, twitter etc.
3.2 Any use or access to the Service by anyone under 18 is strictly prohibited and in violation of this Agreement. Our platform reserves the right to terminate your membership and refuse to provide you with access to the website if we discover that you are under the age of 18 years. The Service is not available to any Users previously removed from the Service by us, unless we provide such Users with specific written authorization to re-use the Service.
3.3 If you use our platform on behalf of a company, organization, or other entity, then (a) “you” includes you and that entity, and (b) you represent and warrant that you are an authorized representative of the entity with the authority to bind the entity to this Agreement, and that you agree to this Agreement on the entity’s behalf.
3.4 You must not be a competitor of our platform or use our Service for reasons that are in competition with us or otherwise to replicate some or all of the Service for any reason.
4.2 In order to create an account and register with us you shall either create an account with us as mentioned in clause 4.2 (A) below. In future, we may allow you to register with us by using your valid account on the social networking service (“SNS”) such as Facebook or twitter or LinkedIn accounts or Google accounts (each such account, a “Third-Party Account”) for which a notification will be sent to you by us as and when we provide this feature to you. If you access the Services through a SNS, you may link your Account with Third-Party Accounts, by allowing us to access your Third-Party Account, as is permitted under the applicable terms and conditions that govern your use of each Third-Party Account. You represent that you are entitled to disclose your Third-Party Account login information to us and/or grant us access to your Third-Party Account (including, but not limited to, for use for the purposes described herein) without breach by you of any of the terms and conditions that govern your use of the applicable Third-Party Account and without obligating us to pay any fees or making us subject to any usage limitations imposed by such third-party service providers. You have the ability to disable the connection between your Account and your Third-Party Accounts at any time by sending us an email at [You must be registered and logged in to see this link.] @fast-pay.cash Please note that your relationship with the third-party service providers associated with your third-party accounts is governed solely by your agreement(s) with such third-party service providers, and we disclaim any liability for personally identifiable information that may be provided to it by such third-party service providers in violation of the privacy settings that you have set in such third-party accounts.
a) In order to sign up and create an account on our platform, you must provide us with certain personal information including personal information such as your full name, E-Mail ID, DOB, National ID/Passport/Any Govt. ID, user id which shall be the mobile number of the user and password (8 to 32 digit password and again 4 digit PIN). For first time log-in they need that 8 to 32 digit Password and from 2nd time onwards 4 digit PIN or your fingerprint will work. In addition, they can choose their finger print or PIN option to authorize any transaction.
4.3 You agree to provide and maintain accurate, current and complete information about your Account. Without limiting the foregoing, in the event you change any of your personal information as mentioned above in this Agreement, you will update your Account information promptly.
4.5 We reserve the right to suspend or terminate your Account if any information provided during the registration process or thereafter proves to be inaccurate, false or misleading or to reclaim any username that you create through the Service that violates our Terms. If you have reason to believe that your Account is no longer secure, then you must immediately notify us at [You must be registered and logged in to see this link.] @fast-pay.cash.
4.6 You may not transfer or sell your FastPay (website/app) account and User ID to another party. If you are registering as a business entity, you personally guarantee that you have the authority to bind the entity to this Agreement.
4.7 Our Services are not available to temporarily or indefinitely suspended Users. Our platform reserves the right, in its sole discretion, to cancel unconfirmed or inactive accounts. Our website reserves the right to refuse service to anyone, for any reason, at any time.
4.8 You can own more than one account on our platform provided you own more than one legal mobile number as the user Id shall be your mobile number.
4.9 You agree to comply with all local laws regarding online conduct and acceptable content. You are responsible for all applicable taxes. In addition, you must abide by our website’s/app’s policies as stated in the Agreement and all other policies listed on our platform and all other operating rules, policies and procedures that may be published from time to time on our platform by Company.
5.2 Through our app, aggregate payment gateway services, we facilitate you in making payments to our registered billers/merchants (“Merchants”) for paying utility bills and/or getting recharges done from the merchants registered on our platform by using our FastPay wallet or cash cards or e-vouchers made available to you by us.
5.3 We are only acting as an intermediary and all the above mentioned transactions are between the Merchants/Billers and you only.
5.4 We only facilitate the collection of payments from you and facilitate the settlement of such payments to the respective Merchant/Biller.
5.5 We only offer you an online secure platform where you can keep/store your money and use it for recharges and bill payments.
5.6 Through our platform, users shall be able to avail the following services offered by us to the users:-
a) Deposit/ Withdraw money;
c) Shop Online;
d) Local shopping (in selected supermarkets, petrol stations, restaurants & other outlets);
e) Mobile Recharge;
f) Pay Utility Bills – Government (whenever available);
g) Receive Salary (whenever available);
h) Buy Data Bundle;
i) Pay Utility Bills – Private;
j) Transactions History
6. NO LIABILITY:
6.2 We do not make any warranties or representations of any kind, express, statutory or implied as to:
(i) the availability of telecommunication and / or internet services from your provider and access to the services at any time or from any location;
(ii) any loss, damage, or other security intrusion of the telecommunication and / or internet services; and
(iii) any disclosure of information to third parties or failure to transmit any data, communications or settings connected with the services.
6.3 The use of a device such as mobiles, tablets and laptops involves risks as also does the usage of internet. For example, sensitive personal information or financial data that is transmitted from or to a device or internet may be intercepted and used by third parties without your knowledge. Viruses, spyware and other “malicious code” can also be downloaded to your devices without your knowledge. By using a device and internet to access the Sites, you assume all of those risks and agree that we will have no liability whatsoever to you for any loss or theft (including identity theft) occurring as a result of such risks.
7. USER ACKNOWLEDGEMENT:
7.2 User acknowledges and agrees that we may use and store the content in accordance with this Agreement and our Privacy Statement, without any obligation by us to pay any fees or be subject to any restrictions or limitations.
7.4 We shall be acting as an intermediary, while providing you payment facilitation services. You agree that our role is limited to facilitating your payment instructions and providing other values added services, if any.
7.5 User acknowledges that in an effort to manage our risk, we may monitor your transactions and processing activity for high-risk practices or for fraudulent transactions. We may also engage third-party service providers to assist in these efforts and other elements of the Service. If we believe there is suspicious or unusual activity, we may temporarily or permanently suspend your access to the Service. Suspicious or unusual activity includes, but is not limited to changes in your average transaction amount or processing pattern or use of different payment accounts.
7.6 User understands and acknowledges that he/she/it is responsible for the accuracy of the information they provide about each payment request made by them, including the Bill Payment Account Information, telephone number, the amount of the transaction, etc.
7.9 The relationship between us and the Merchants/Billers is on principal-to-principal basis. We have no connection or interest of whatsoever nature in the business of the Merchants/Billers. We do not in any manner take part in their business, directly or indirectly and are nowhere concerned or connected to the revenue of the Merchants/Billers.
7.11 It is not our responsibility to monitor in any manner the use of the payment mechanisms by you for purchasing services from the Merchant or aiming your bill payment to the Billers but you shall be using the payment mechanisms at your sole option and risks.
7.12 User acknowledges that when transacting on our platform/transferring funds via our platform etc., he/ she shall at all times comply with all the rules, regulations and laws of Kurdistan Regional Government, Iraq.
7.13 User acknowledges that we shall deduct yearly service charge and transaction fees (which may vary from feature to feature) from the user’s account.
7.14 User acknowledges that we shall collect from user, Bio-Metric data like finger print and authorization of allowing FastPay the use of the Bio-Metric data wherever we see fit.
8. MONEY LAUNDERING:
8.1 We are committed to conducting due diligence on our clients and ensuring that all applicable laws and regulations necessary to forestall and prevent money laundering. These include confirming the identity of our sellers/merchants and buyers/users by means of:
a) Government-issued photo ID;
[You must be registered and logged in to see this image.] Proof of residential or business address;
c) Corporate documentation;
d) Business registration information;
e) Tax Identification Document;
f) Employer Identification Number;
g) Any other applicable documentation
8.2 Furthermore, we reserve the right to conduct enhanced due diligence on all clients given world-wide approved risk-based policies. Please note that our platform reserves the right to refuse a transaction or deny operation on a client or account at any time should suspicion arise that it may be connected to money laundering, criminal activity or any other predicate offence to money laundering. We will not enter into any business arrangement with anyone or group suspected of or directly involved in money laundering, or where funds have been sources or ends of an illegal activity.
8.3 In the event that our platform receives, during its request for documentation, deceptive documentation, contact details, business description or other false information, we will terminate the offending account and you shall also be liable to indemnify us for the same. Our platform is legally bound to report such misdemeanors to the relevant authorities, and as such the subject, business and its owners may be the subject to a criminal investigation.
8.4 Providing false, doctored, or deceptive documents is considered as fraud and will be treated as such. Tax Evasion and Fraud is a predicate offence to Money Laundering, and therefore, all assets derived from fraudulent transactions or suspicious activity may be seized and forfeited.
8. CONFIRMATION OF TRANSACTIONS VIA OUR PLATFORM:
8.1 When your payment instructions are successfully processed with respect to a transaction, we will update your FastPay Account activity and provide you with a transaction confirmation. This confirmation will serve as your receipt.
8.2 We shall not be responsible for any transactions that have not been confirmed to us.
8.3 We shall make available the summary of your transaction history on your FastPay Account. Except as required by law, you are solely responsible for the following:-
(a) Compiling and retaining permanent records of all transactions and other data and
(b) Reconciling all transaction information that is associated with your FastPay Account. If you believe that there is an error or unauthorized Transaction activity that is associated with your FastPay Account, you agree to contact us at [You must be registered and logged in to see this link.] @fast-pay.cash immediately not later than 02 (Two Hours).
9. REDEMPTION OF COUPONS:
Coupon redemption is purely subjected to standard and specified terms and conditions mentioned by the respective issuer of the coupon. Coupons are issued on behalf of the respective issuer of coupons. We shall not be held liable for any damages, injuries, losses incurred by the end you by use / non-use of such coupon.
10. OFFERS, DISCOUNTS, CASHBACK, USER PROGRAMS:
If you avail any offers, discounts, cashbacks, coupons and you programs, etc. (“Offers”) provided by us or our partner, you are agreeing to comply with and accept the terms and conditions provided in respect of such Offers. Further, you understand that all terms and conditions provided with respect to any Offer shall form part of this Agreement and shall be read in conjunction with this Agreement.
11. PROHIBITED USE:
11.1 You are prohibited from using our platform to post or transmit any material which is or may be infringing, threatening, false, misleading, inflammatory, libelous, invasive of privacy, obscene, pornographic, abusive, discriminating, illegal or any material that could constitute or encourage conduct that would be considered a criminal offence, violate the rights of any party or which may otherwise give rise to civil liability or violate any law. You are also prohibited from using the Site to advertise or perform any commercial solicitation.
11.2 You shall not create liability for us or cause us to lose (in whole or in part) the services of our internet service provider (“ISPs”) or other suppliers;
11.3 You shall not use any “deep-link”, “page-scrape”, “robot”, “spider” or other automatic device, program, algorithm or methodology, or any similar or equivalent manual process, to access, acquire, copy or monitor any portion of the website or any Content, or in any way reproduce or circumvent the navigational structure or presentation of the website or any Content, to obtain or attempt to obtain any materials, documents or information through any means not purposely made available through the website. We reserve our right to bar any such activity.
11.5 You shall not probe, scan or test the vulnerability of the website or any network connected to the website nor breach the security or authentication measures on the website or any network connected to the website. You may not reverse look-up, trace or seek to trace any information of any other User or visitor to website, or any other customer, including any account on the website not owned by You, to its source, or exploit the website or any service or information made available or offered by or through the website, in any way where the purpose is to reveal any information, including but not limited to personal identification or information, other than Your own information, as provided for by the website.
11.6 You shall not make any negative, denigrating or defamatory statement(s) or comment(s) about Us or the brand name or domain name used by Us or otherwise engage in any conduct or action that might tarnish the image or reputation, of our website or otherwise tarnish or dilute any of our trade or service marks, trade name and/or goodwill associated with such trade or service marks, trade name as may be owned or used by us. You agree that you will not take any action that imposes an unreasonable or disproportionately large load on the infrastructure of the website or our systems or networks, or any systems or networks connected to us.
11.7 You agree not to use any device, software or routine to interfere or attempt to interfere with the proper working of the website or any transaction being conducted on the website, or with any other person’s use of the website.
11.8 You may not forge headers or otherwise manipulate identifiers in order to disguise the origin of any message or transmittal you send to us on or through the website or any service offered on or through the website. You may not pretend that you are, or that you represent, someone else, or impersonate any other individual or entity.
11.12 It is possible that any of the user (including unauthorized users or “hackers”) may post or transmit offensive or obscene materials on the website and that other users may be involuntarily exposed to such offensive and obscene materials. It also is possible for others to obtain personal information about you due to your use of the website, and that the recipient may use such information to harass or injure you. We do not approve of such unauthorized uses, but by using the website, you acknowledge and agree that we are not responsible for the use of any personal information that you publicly disclose or share with others on the website. Please carefully select the type of information that you publicly disclose or share with others on the website.
11.13 We shall have all the rights to take necessary action and claim damages that may occur due to your involvement/participation in any way on your own or through group/s of people, intentionally or unintentionally in DoS/DDoS (Distributed Denial of Services).
All right, title, and interest in and to the application and / or website (excluding postings/content provided by the users) is and will remain the exclusive property of us and our licensors. Our platform is protected by copyright, trademark, and other laws of Kurdistan Regional Government, Iraq. Nothing in these Terms gives you a right to use the name of the platform or platform’s trademark or logo, or any other trademarks, logos, domain names, or other distinctive brand features relating to the platform or located on the platform.
13. INTELLECTUAL PROPERTY RIGHTS:
13.1 Our platform, our suppliers and licensors expressly reserve all intellectual property rights in all text, programs, products, processes, technology, content and other materials, which appear on this platform. Access to this platform does not confer and shall not be considered as conferring upon anyone any license under any of our platform or any third party’s intellectual property rights. All rights, including copyright, in this platform are owned by or licensed to us or third party suppliers. Any use of this website or its contents, including copying or storing it or them in whole or part, other than for your own personal, non-commercial use is prohibited without the permission of our platform. You cannot modify, distribute or re-post anything on this platform for any purpose.
13.2 The platform names and logos and all related service and our slogans are the trademarks or service marks of our Company. All other marks are the property of their respective companies. No trademark or service mark license is granted in connection with the materials contained on this platform. Access to this website does not authorize anyone to use any name, logo or mark in any manner.
13.3 All materials, including images, text, illustrations, designs, icons, photographs, programs, music clips or downloads, video clips and written and other materials that are part of our platform (collectively, the “Contents”) are intended solely for personal, non-commercial use. You may download or copy the Contents and other downloadable materials displayed on the website for your personal use only. No right, title or interest in any downloaded materials or software is transferred to you as a result of any such downloading or copying. You may not reproduce (except as noted above), publish, transmit, distribute, display, modify, create derivative works from, sell or participate in any sale of or exploit in any way, in whole or in part, any of the Contents, the company or any related software. All software used on this website is the property of our website or its suppliers and protected by copyright laws of Kurdistan Regional Government, Iraq. The Contents and software on our platform may be used only as a referral resource. Any other use, including the reproduction, modification, distribution, transmission, republication, display, or performance, of the Contents on this website is strictly prohibited. Unless otherwise noted, all Contents are copyrights, trademarks and/or other intellectual property owned, controlled or licensed by our platform, one of its affiliates or by third parties who have licensed their materials to us and are protected by copyright laws of Kurdistan Regional Government, Iraq. The compilation (meaning the collection, arrangement, and assembly) of all Contents on this website is the exclusive property of our company and is also protected by Copyright laws of Kurdistan Regional Government, Iraq.
13.4 We have the right to remove the Content alleged to be infringing without prior notice, at our sole discretion, and without liability to you. In appropriate circumstances, we will also terminate a user’s account if we determine that the user is a repeat infringer.
13.5 If you believe in good faith that any material used or displayed on or through our website infringes your copyright, you (or your agent) may send us a notice at [You must be registered and logged in to see this link.] requesting that the material be removed, or access to it blocked, please provide us with the following information:
(i) a physical or electronic signature of the copyright owner or a person authorized to act on their behalf;
(ii) identification of the copyrighted work claimed to have been infringed;
(iii) identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit us to locate the material;
(iv) Your contact information, including your address, telephone number and an email address;
(v) a statement by you that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and