This Agreement (as may be amended from time to time) explains the terms and conditions which apply to you when you sign up and to use the ZapCash application. By accessing the ZapCash application, registering an account, using any Service or taking action to indicate your acceptance of these terms, you:
(1) agree to be bound by this Agreement and any future changes to this Agreement which will be reflected on the website for the Provider or in the ZapCash application;
(2) represent that you are at least 18 years old; and
(3) represent that you have the authority to enter into this Agreement (whether or not on your own behalf or on behalf of any other individual or person). You should not use the ZapCash application or the Service if you do not agree to be bound by the terms of this Agreement. This Agreement takes effect immediately upon your signing up for the ZapCash application.
- Definitions
- Signing Up To ZapCash
- Using ZapCash
- Upgrades
- Ownership
- No Illegal Use
- Data Privacy and Information Sharing
- Security
- Electronic Communication
- Liability
- General
- Questions
- Be at least 18 years old
- Be a Jamaican resident
- Provide the requisite Know your Customer information as is requested by the Provider
ZapCash Account means the virtual transactional account which is an electronic stored value account created for use by registered users of the ZapCash application, which is primarily accessed via a mobile phone.
ZapCash application means the mobile wallet service offered by the Provider which facilitates the supply and use of the Service.
ZapCash application user means the user of the ZapCash application and the Service.
Provider means Zap Cash Limited, located Clarendon Jamaica only.
Service means the financial services using mobile technology and includes money transfers to or from Third Parties, bill payments, credit and debit to and from bank accounts, storing virtual representations of third party credit and debit cards on your supported wireless mobile device to make contactless payments at select merchants utilising the merchant’s contactless terminal or in-app or other digital commerce payments at merchants participating in the ZapCash service and means any and all services and features provided by the Provider from time to time accessed by or facilitated through the ZapCash application.
Sign up information means the information about the ZapCash application user that you enter when signing up on the ZapCash application.
Ihird Party means any party who accesses or has the benefit of the Service, including registered users, merchants and bill payees.
you, yours, we refer to the person who has signed up for the ZapCash application and will be bound by the provisions of this Agreement.
When you sign up for a ZapCash account, you agree to provide only true, accurate, current and complete Sign up information and to update the information after any change. You also agree to the sign-up conditions set out in Schedule 1.
Each ZapCash application user shall be registered for only one ZapCash account.
While the Provider will make every reasonable attempt to provide the Service in accordance with its marketing and educational materials, you acknowledge that the Service is being made available to you “as is” and without any warranties.
No Service performed on your ZapCash account can be cancelled or reversed.
You should not perform any Service which would result in your exceeding the per transaction or daily limits set by the Provider from time to time. The Provider reserves the right not to process any transactions which would result in your exceeding any applicable limits. The Provider may vary the limits from time to time without notice to you.
The Provider has the right at any time for any reason to remove any username that you may create in the ZapCash application. You acknowledge and agree that you have no rights to the ZapCash account other than a non exclusive licence to use the ZapCash application for purposes related to the Service, and acknowledge that the licence ends when this Agreement terminates.
The provisions of this Agreement shall not affect the provisions of any agreement between the ZapCash application user and any third party which governs the use of any debit or credit cards linked to the ZapCash account. Your use of the ZapCash application and the Service is also governed by any terms of use that apply to applications that are downloaded from the Apple Store or Google Play.
From time to time, the Provider may need to change or upgrade the ZapCash application, which may have the effect of changing the system requirements for ZapCash users. By accepting the terms of this Agreement, you agree to the automatic updating but acknowledge that you are not entitled to receive future updates, new versions or enhancements to the Service.
All title, ownership and intellectual property rights in the ZapCash application, including the content, belong to the Provider and/or its licensors.
You agree not to use the ZapCash Application and your ZapCash account for illegal or fraudulent purposes, or any other purposes which are not permitted under this license to use the ZapCash application.
You consent to the Provider carrying out identity and fraud prevention checks and sharing information relating to this application with any fraud prevention, law enforcement or security agency.
Privacy issues, including the security and confidentiality of personal information disclosed on or through the ZapCash application, are taken very seriously by the Provider. The protection of your information is governed by a privacy policy which is compliant with local law, strictly observed and enforced to ensure a high standard of protection of privacy and personal information. This policy briefly describes how the Provider collects, holds, uses and, whenever necessary, discloses your personal information. A copy of the privacy policy may be viewed on the Provider’s website.
You agree to monitor your ZapCash account and you will be held responsible for all transactions that take place on your ZapCash account.
You are responsible for keeping your mobile device, your PIN and the application credentials private and secure from unauthorised use. If you share your credentials with any other person, they may be able to use your mobile device and get access to your ZapCash account. The Provider is not responsible for the use of your PIN, password or any security mechanism which has been implemented by the Provider and, unless it results from the Provider’s negligence or fault, the Provider will not be responsible for any transaction which is performed using your username and/or pin, password or other security mechanism. You should contact the Provider immediately via help@ZapCashltd.com or the channels listed on our website www.ZapCashltd.com if you believe your wireless mobile device or authentication credentials have been lost, stolen or compromised in any way or an unauthorised person has used or may use your credentials without your authorisation.
You consent to receiving communication from the Provider in an electronic form and agree that all terms and conditions, notices, disclosures and other communications that the Provider sends to you electronically will have the same legal effect as if they were sent in writing.
Notices to you shall be sent to you via SMS, In-App Push Notification and or email
You understand and agree that your use of the ZapCash application and the Service is at your own risk and they are provided on a “as is” and “as available” basis with all faults. To the fullest extent permitted by law, the Provider disclaims all warranties, representations and conditions of any kind, whether express or implied. The Provider makes no warranty that your use of the ZapCash application will be uninterrupted, timely, secure or error free.
In no event shall the Provider be liable for any loss of profits or revenue, or any indirect, incidental, exemplary, special or consequential damages or loss that you may suffer from using the ZapCash application. In addition, the Provider is not responsible for any loss that you may suffer as a result of any failure, malfunction, or delay in any third party equipment, mobile phone network, mobile phones, the internet or terminals or any of its supporting or shared networks.
You acknowledge and agree that this Agreement will be regarded as having been entered into in Jamaica and any breach of this Agreement will be considered as having taken place in Jamaica. The Provider may assign its rights under this Agreement to any person without your consent. This Agreement is governed by the laws of Jamaica and is subject to the exclusive jurisdiction of the courts of Jamaica.
If you have any questions, disputes, or complaints about the use of the ZapCash application or your ZapCash account, please visit the Provider’s website or contact Customer Care.
In order to sign up to use the Services, you must: