{"id":61,"date":"2024-11-13T09:43:53","date_gmt":"2024-11-13T09:43:53","guid":{"rendered":"https:\/\/horizonpay.ng\/wordpress\/?p=61"},"modified":"2024-11-13T09:43:53","modified_gmt":"2024-11-13T09:43:53","slug":"mobile-app-user-agreement-terms-and-conditions","status":"publish","type":"post","link":"https:\/\/horizonpay.ng\/wordpress\/index.php\/2024\/11\/13\/mobile-app-user-agreement-terms-and-conditions\/","title":{"rendered":"Mobile\u00a0APP\u00a0User\u00a0Agreement\u00a0Terms\u00a0and\u00a0Conditions"},"content":{"rendered":"\n<p>These&nbsp;terms&nbsp;and&nbsp;conditions&nbsp;were&nbsp;last&nbsp;updated&nbsp;on&nbsp;August&nbsp;12,2024.<br>These&nbsp;terms&nbsp;and&nbsp;conditions&nbsp;are&nbsp;effective&nbsp;as&nbsp;of&nbsp;August&nbsp;12,2024.<\/p>\n\n\n\n<p>Welcome&nbsp;to&nbsp;[Mobile]&nbsp;(hereinafter&nbsp;referred&nbsp;to&nbsp;as&nbsp;\u201cthe&nbsp;App\u201d&nbsp;or&nbsp;\u201cwe\u201d).&nbsp;This&nbsp;User&nbsp;Agreement&nbsp;(\u201cAgreement\u201d)&nbsp;sets&nbsp;out&nbsp;the&nbsp;terms&nbsp;and&nbsp;conditions&nbsp;under&nbsp;which&nbsp;you&nbsp;(the&nbsp;\u201cUser\u201d&nbsp;or&nbsp;\u201cYou\u201d)&nbsp;will&nbsp;use&nbsp;this&nbsp;App&nbsp;by&nbsp;[Horizonpay&nbsp;Nigeria&nbsp;Limited]&nbsp;(\u201cwe\u201d&nbsp;or&nbsp;\u201cus\u201d&nbsp;or&nbsp;\u201cthe&nbsp;Company\u201d).&nbsp;The&nbsp;Company&#8217;s&nbsp;registered&nbsp;address&nbsp;is&nbsp;[Flat&nbsp;F,&nbsp;74,&nbsp;Oduduwa&nbsp;Crescent,&nbsp;Ikeja&nbsp;GRA&nbsp;Lagos]&nbsp;and&nbsp;you&nbsp;can&nbsp;contact&nbsp;us&nbsp;via&nbsp;customer&nbsp;service&nbsp;phone&nbsp;number&nbsp;[+234&nbsp;02018890219]&nbsp;or&nbsp;email&nbsp;[customerservice@horizonpay.ng].<\/p>\n\n\n\n<p>Rights&nbsp;and&nbsp;obligations&nbsp;to&nbsp;be&nbsp;complied&nbsp;with&nbsp;when&nbsp;using&nbsp;the&nbsp;services&nbsp;provided&nbsp;by&nbsp;this&nbsp;application.&nbsp;Please&nbsp;read&nbsp;and&nbsp;understand&nbsp;the&nbsp;following&nbsp;terms&nbsp;and&nbsp;conditions&nbsp;carefully,&nbsp;and&nbsp;your&nbsp;download,&nbsp;installation,&nbsp;registration,&nbsp;login,&nbsp;and&nbsp;use&nbsp;of&nbsp;the&nbsp;Application&nbsp;and&nbsp;its&nbsp;services&nbsp;shall&nbsp;be&nbsp;deemed&nbsp;that&nbsp;you&nbsp;have&nbsp;fully&nbsp;understood&nbsp;and&nbsp;agreed&nbsp;to&nbsp;accept&nbsp;all&nbsp;the&nbsp;contents&nbsp;of&nbsp;this&nbsp;Agreement.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Service\u00a0Description<\/li>\n<\/ol>\n\n\n\n<p>1.1&nbsp;This&nbsp;app&nbsp;provides&nbsp;you&nbsp;with&nbsp;financial&nbsp;services&nbsp;such&nbsp;as&nbsp;digital&nbsp;currency&nbsp;investment&nbsp;and&nbsp;trading,&nbsp;virtual&nbsp;asset&nbsp;management,&nbsp;mobile&nbsp;payment,&nbsp;money&nbsp;transfer&nbsp;and&nbsp;remittance,&nbsp;bill&nbsp;inquiries,&nbsp;balance&nbsp;recharge&nbsp;and&nbsp;withdrawal,&nbsp;etc.&nbsp;(specific&nbsp;functions&nbsp;are&nbsp;subject&nbsp;to&nbsp;the&nbsp;actual&nbsp;in-app&nbsp;display).&nbsp;The&nbsp;scope&nbsp;of&nbsp;services&nbsp;may&nbsp;be&nbsp;adjusted&nbsp;in&nbsp;accordance&nbsp;with&nbsp;legal&nbsp;and&nbsp;regulatory&nbsp;requirements&nbsp;and&nbsp;business&nbsp;development.<\/p>\n\n\n\n<p>1.2&nbsp;For&nbsp;users&nbsp;who&nbsp;apply&nbsp;for&nbsp;the&nbsp;transfer&nbsp;and&nbsp;payment&nbsp;service&nbsp;through&nbsp;the&nbsp;Mobile&nbsp;application,&nbsp;you&nbsp;will&nbsp;be&nbsp;randomly&nbsp;assigned&nbsp;a&nbsp;virtual&nbsp;account&nbsp;number&nbsp;that&nbsp;has&nbsp;been&nbsp;linked&nbsp;to&nbsp;your&nbsp;Mobile&nbsp;account.&nbsp;<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Account\u00a0Registration\u00a0and\u00a0Management<\/li>\n<\/ol>\n\n\n\n<p>2.1&nbsp;You&nbsp;must&nbsp;be&nbsp;at&nbsp;least&nbsp;18&nbsp;years&nbsp;of&nbsp;age&nbsp;to&nbsp;access&nbsp;or&nbsp;use&nbsp;the&nbsp;Services&nbsp;or&nbsp;create&nbsp;a&nbsp;Mobile&nbsp;account,&nbsp;as&nbsp;the&nbsp;Services&nbsp;are&nbsp;not&nbsp;intended&nbsp;for&nbsp;children&nbsp;under&nbsp;the&nbsp;age&nbsp;of&nbsp;18.&nbsp;The&nbsp;Services&nbsp;do&nbsp;not&nbsp;apply&nbsp;to&nbsp;any&nbsp;user&nbsp;who&nbsp;has&nbsp;previously&nbsp;been&nbsp;removed&nbsp;from&nbsp;the&nbsp;Services&nbsp;by&nbsp;Mobile&nbsp;(or&nbsp;whose&nbsp;user&nbsp;account&nbsp;has&nbsp;been&nbsp;terminated).&nbsp;You&nbsp;represent&nbsp;and&nbsp;warrant&nbsp;that&nbsp;you&nbsp;have&nbsp;the&nbsp;legal&nbsp;right&nbsp;and&nbsp;ability&nbsp;to&nbsp;access&nbsp;and&nbsp;use&nbsp;the&nbsp;Services&nbsp;in&nbsp;accordance&nbsp;with&nbsp;these&nbsp;Terms;<\/p>\n\n\n\n<p>2.2&nbsp;Provide&nbsp;all&nbsp;information&nbsp;requested&nbsp;by&nbsp;us,&nbsp;such&nbsp;as&nbsp;your&nbsp;name,&nbsp;gender,&nbsp;date&nbsp;of&nbsp;birth,&nbsp;email&nbsp;address,&nbsp;passport&nbsp;photo,&nbsp;address,&nbsp;cell&nbsp;phone&nbsp;number,&nbsp;bank&nbsp;verification&nbsp;number&nbsp;(\u201cBVN\u201d),&nbsp;online&nbsp;credentials&nbsp;for&nbsp;registering&nbsp;with&nbsp;Mobile,&nbsp;and&nbsp;such&nbsp;other&nbsp;information&nbsp;as&nbsp;we&nbsp;may&nbsp;request&nbsp;from&nbsp;time&nbsp;to&nbsp;time&nbsp;(collectively,&nbsp;the&nbsp;\u201cUser&nbsp;Information\u201c);&nbsp;by&nbsp;providing&nbsp;your&nbsp;BVN,&nbsp;you&nbsp;authorize&nbsp;Mobile&nbsp;to&nbsp;collect&nbsp;and&nbsp;store&nbsp;your&nbsp;data&nbsp;from&nbsp;the&nbsp;BVN&nbsp;database&nbsp;as&nbsp;our&nbsp;know-your-customer&nbsp;(\u201dKYC&#8221;)&nbsp;information&nbsp;to&nbsp;meet&nbsp;regulatory&nbsp;requirements.&nbsp;All&nbsp;KYC&nbsp;data&nbsp;collected&nbsp;will&nbsp;be&nbsp;treated&nbsp;as&nbsp;confidential.&nbsp;You&nbsp;also&nbsp;give&nbsp;us&nbsp;permission&nbsp;to&nbsp;use&nbsp;your&nbsp;BVN&nbsp;to&nbsp;monitor,&nbsp;prevent&nbsp;and&nbsp;detect&nbsp;fraudulent&nbsp;activity&nbsp;and&nbsp;to&nbsp;share&nbsp;it&nbsp;with&nbsp;CBN&#8217;s&nbsp;authorized&nbsp;stakeholders&nbsp;to&nbsp;prevent&nbsp;financial&nbsp;fraud;<\/p>\n\n\n\n<p>2.3&nbsp;Ensure&nbsp;that&nbsp;all&nbsp;User&nbsp;Information&nbsp;provided&nbsp;to&nbsp;us&nbsp;is&nbsp;true,&nbsp;accurate,&nbsp;current&nbsp;and&nbsp;complete&nbsp;and&nbsp;agree&nbsp;not&nbsp;to&nbsp;misrepresent&nbsp;your&nbsp;identity&nbsp;or&nbsp;your&nbsp;User&nbsp;Information.&nbsp;You&nbsp;agree&nbsp;to&nbsp;notify&nbsp;us&nbsp;of&nbsp;changes&nbsp;to&nbsp;your&nbsp;User&nbsp;Information&nbsp;in&nbsp;a&nbsp;timely&nbsp;manner.&nbsp;If&nbsp;we&nbsp;approve&nbsp;your&nbsp;registration,&nbsp;you&nbsp;will&nbsp;be&nbsp;authorized&nbsp;to&nbsp;use&nbsp;the&nbsp;Services,&nbsp;subject&nbsp;to&nbsp;these&nbsp;Terms,&nbsp;and&nbsp;the&nbsp;Services&nbsp;may&nbsp;not&nbsp;be&nbsp;used&nbsp;for&nbsp;fraudulent&nbsp;activities;<\/p>\n\n\n\n<p>2.4&nbsp;Users&nbsp;are&nbsp;responsible&nbsp;for&nbsp;maintaining&nbsp;the&nbsp;confidentiality&nbsp;of&nbsp;their&nbsp;accounts&nbsp;and&nbsp;passwords,&nbsp;are&nbsp;responsible&nbsp;for&nbsp;all&nbsp;activities&nbsp;that&nbsp;occur&nbsp;under&nbsp;their&nbsp;accounts,&nbsp;and&nbsp;Mobile&nbsp;will&nbsp;not&nbsp;be&nbsp;liable&nbsp;for&nbsp;the&nbsp;operation&nbsp;of&nbsp;any&nbsp;third&nbsp;party&nbsp;unless&nbsp;mutually&nbsp;agreed&nbsp;upon&nbsp;in&nbsp;writing.&nbsp;Any&nbsp;unauthorized&nbsp;use&nbsp;or&nbsp;other&nbsp;breach&nbsp;of&nbsp;security&nbsp;shall&nbsp;be&nbsp;notified&nbsp;to&nbsp;the&nbsp;Application&nbsp;immediately;<\/p>\n\n\n\n<p>2.3&nbsp;In&nbsp;accordance&nbsp;with&nbsp;Nigerian&nbsp;anti-money&nbsp;laundering&nbsp;and&nbsp;counter-terrorism&nbsp;financing&nbsp;related&nbsp;regulations,&nbsp;users&nbsp;are&nbsp;required&nbsp;to&nbsp;complete&nbsp;the&nbsp;real&nbsp;name&nbsp;authentication&nbsp;process&nbsp;by&nbsp;submitting&nbsp;the&nbsp;necessary&nbsp;identification&nbsp;documents&nbsp;to&nbsp;verify&nbsp;their&nbsp;identity.&nbsp;Failure&nbsp;or&nbsp;refusal&nbsp;of&nbsp;real&nbsp;name&nbsp;authentication&nbsp;may&nbsp;result&nbsp;in&nbsp;some&nbsp;or&nbsp;all&nbsp;of&nbsp;the&nbsp;service&nbsp;features&nbsp;being&nbsp;restricted;<\/p>\n\n\n\n<ol class=\"wp-block-list\" start=\"2\">\n<li>Use\u00a0of\u00a0the\u00a0Service<\/li>\n<\/ol>\n\n\n\n<p>3.1&nbsp;The&nbsp;User&nbsp;undertakes&nbsp;to&nbsp;comply&nbsp;with&nbsp;Nigerian&nbsp;and&nbsp;international&nbsp;laws&nbsp;and&nbsp;regulations&nbsp;when&nbsp;using&nbsp;the&nbsp;services&nbsp;of&nbsp;the&nbsp;Application&nbsp;and&nbsp;shall&nbsp;not&nbsp;use&nbsp;the&nbsp;Services&nbsp;for&nbsp;money&nbsp;laundering,&nbsp;terrorist&nbsp;financing,&nbsp;tax&nbsp;evasion,&nbsp;fraud,&nbsp;gambling,&nbsp;drug&nbsp;trafficking,&nbsp;infringement&nbsp;of&nbsp;intellectual&nbsp;property&nbsp;rights&nbsp;or&nbsp;other&nbsp;illegal&nbsp;activities.<\/p>\n\n\n\n<p>3.2&nbsp;The&nbsp;User&nbsp;shall&nbsp;comply&nbsp;with&nbsp;the&nbsp;rules&nbsp;set&nbsp;by&nbsp;the&nbsp;Application&nbsp;in&nbsp;terms&nbsp;of&nbsp;transaction&nbsp;limits,&nbsp;frequency&nbsp;and&nbsp;categories.&nbsp;We&nbsp;have&nbsp;the&nbsp;right&nbsp;to&nbsp;take&nbsp;measures&nbsp;such&nbsp;as&nbsp;restricting,&nbsp;suspending&nbsp;or&nbsp;terminating&nbsp;the&nbsp;service&nbsp;for&nbsp;abnormal&nbsp;transaction&nbsp;behavior.<\/p>\n\n\n\n<p>3.3&nbsp;The&nbsp;use&nbsp;of&nbsp;the&nbsp;services&nbsp;of&nbsp;this&nbsp;application&nbsp;may&nbsp;involve&nbsp;fees&nbsp;such&nbsp;as&nbsp;crediting&nbsp;fees,&nbsp;withdrawal&nbsp;fees,&nbsp;transfer&nbsp;fees,&nbsp;etc.&nbsp;The&nbsp;specific&nbsp;charges&nbsp;are&nbsp;subject&nbsp;to&nbsp;the&nbsp;public&nbsp;announcement&nbsp;within&nbsp;this&nbsp;application.<\/p>\n\n\n\n<ol class=\"wp-block-list\" start=\"3\">\n<li>Use\u00a0of\u00a0Information<\/li>\n<\/ol>\n\n\n\n<p>4.1&nbsp;Provision&nbsp;of&nbsp;Payment&nbsp;Services<\/p>\n\n\n\n<p>Use&nbsp;your&nbsp;information&nbsp;to&nbsp;process&nbsp;payment&nbsp;transactions,&nbsp;including&nbsp;initiating&nbsp;payment&nbsp;requests,&nbsp;verifying&nbsp;payment&nbsp;passwords,&nbsp;completing&nbsp;the&nbsp;payment&nbsp;process,&nbsp;processing&nbsp;refunds&nbsp;and&nbsp;inquiring&nbsp;about&nbsp;the&nbsp;status&nbsp;of&nbsp;transactions,&nbsp;etc.,&nbsp;to&nbsp;ensure&nbsp;the&nbsp;accuracy&nbsp;and&nbsp;timeliness&nbsp;of&nbsp;payments.&nbsp;Recommend&nbsp;convenient&nbsp;payment&nbsp;methods&nbsp;or&nbsp;related&nbsp;financial&nbsp;products&nbsp;and&nbsp;services&nbsp;(e.g.,&nbsp;payment&nbsp;promotions,&nbsp;wealth&nbsp;management&nbsp;services,&nbsp;etc.)&nbsp;for&nbsp;you&nbsp;based&nbsp;on&nbsp;your&nbsp;payment&nbsp;history&nbsp;and&nbsp;preferences.<\/p>\n\n\n\n<p>4.2&nbsp;Security&nbsp;and&nbsp;Risk&nbsp;Control<\/p>\n\n\n\n<p>Monitor&nbsp;and&nbsp;prevent&nbsp;payment&nbsp;fraud,&nbsp;money&nbsp;laundering,&nbsp;brush&nbsp;theft&nbsp;and&nbsp;other&nbsp;illegal&nbsp;activities&nbsp;by&nbsp;analyzing&nbsp;your&nbsp;transaction&nbsp;patterns,&nbsp;device&nbsp;information&nbsp;and&nbsp;identity&nbsp;verification&nbsp;data&nbsp;to&nbsp;safeguard&nbsp;your&nbsp;account&nbsp;and&nbsp;funds.<\/p>\n\n\n\n<p>When&nbsp;abnormal&nbsp;transactions&nbsp;or&nbsp;security&nbsp;risks&nbsp;are&nbsp;found,&nbsp;we&nbsp;will&nbsp;notify&nbsp;you&nbsp;in&nbsp;time&nbsp;and&nbsp;take&nbsp;corresponding&nbsp;measures,&nbsp;such&nbsp;as&nbsp;suspending&nbsp;the&nbsp;payment&nbsp;function&nbsp;and&nbsp;requesting&nbsp;re-verification&nbsp;of&nbsp;identity.<\/p>\n\n\n\n<p>4.3&nbsp;Optimization&nbsp;of&nbsp;User&nbsp;Experience<\/p>\n\n\n\n<p>Based&nbsp;on&nbsp;your&nbsp;usage&nbsp;habits&nbsp;and&nbsp;feedback,&nbsp;we&nbsp;will&nbsp;improve&nbsp;the&nbsp;interface&nbsp;design,&nbsp;functional&nbsp;layout&nbsp;and&nbsp;operation&nbsp;flow&nbsp;of&nbsp;the&nbsp;APP&nbsp;to&nbsp;enhance&nbsp;the&nbsp;ease&nbsp;of&nbsp;use&nbsp;and&nbsp;stability&nbsp;of&nbsp;the&nbsp;APP.<\/p>\n\n\n\n<p>Conduct&nbsp;data&nbsp;analysis&nbsp;and&nbsp;market&nbsp;research&nbsp;to&nbsp;understand&nbsp;user&nbsp;needs&nbsp;and&nbsp;payment&nbsp;market&nbsp;trends&nbsp;in&nbsp;order&nbsp;to&nbsp;develop&nbsp;new&nbsp;functions&nbsp;and&nbsp;services.<\/p>\n\n\n\n<ol class=\"wp-block-list\" start=\"4\">\n<li>Privacy\u00a0and\u00a0Data\u00a0Protection<\/li>\n<\/ol>\n\n\n\n<p>5.1&nbsp;Mobile&nbsp;respects&nbsp;and&nbsp;is&nbsp;committed&nbsp;to&nbsp;protecting&nbsp;your&nbsp;privacy.&nbsp;You&nbsp;understand&nbsp;that&nbsp;by&nbsp;accessing&nbsp;or&nbsp;using&nbsp;the&nbsp;Services&nbsp;and\/or&nbsp;submitting&nbsp;your&nbsp;User&nbsp;Information&nbsp;through&nbsp;the&nbsp;Services,&nbsp;you&nbsp;consent&nbsp;to&nbsp;the&nbsp;collection,&nbsp;use,&nbsp;storage&nbsp;and&nbsp;disclosure&nbsp;of&nbsp;your&nbsp;User&nbsp;Information&nbsp;in&nbsp;accordance&nbsp;with&nbsp;our&nbsp;Privacy&nbsp;and&nbsp;Cookie&nbsp;Policy.&nbsp;Please&nbsp;review&nbsp;the&nbsp;full&nbsp;Privacy&nbsp;and&nbsp;Cookie&nbsp;Policy&nbsp;on&nbsp;our&nbsp;website.<\/p>\n\n\n\n<p>5.2&nbsp;Users&nbsp;agree&nbsp;to&nbsp;receive&nbsp;service-related&nbsp;notifications,&nbsp;marketing&nbsp;messages&nbsp;and&nbsp;other&nbsp;communications&nbsp;from&nbsp;the&nbsp;Application.<\/p>\n\n\n\n<p>5.3&nbsp;We&nbsp;will&nbsp;revise&nbsp;and&nbsp;improve&nbsp;the&nbsp;Privacy&nbsp;Policy&nbsp;in&nbsp;a&nbsp;timely&nbsp;manner&nbsp;in&nbsp;accordance&nbsp;with&nbsp;changes&nbsp;in&nbsp;laws&nbsp;and&nbsp;regulations,&nbsp;business&nbsp;development,&nbsp;and&nbsp;technological&nbsp;updates.&nbsp;When&nbsp;there&nbsp;are&nbsp;significant&nbsp;changes&nbsp;to&nbsp;the&nbsp;Privacy&nbsp;Policy,&nbsp;we&nbsp;will&nbsp;post&nbsp;a&nbsp;notice&nbsp;in&nbsp;a&nbsp;prominent&nbsp;position&nbsp;within&nbsp;the&nbsp;APP&nbsp;to&nbsp;inform&nbsp;you&nbsp;of&nbsp;the&nbsp;changes&nbsp;and&nbsp;the&nbsp;effective&nbsp;date.&nbsp;Your&nbsp;continued&nbsp;use&nbsp;of&nbsp;the&nbsp;APP&nbsp;after&nbsp;the&nbsp;update&nbsp;means&nbsp;that&nbsp;you&nbsp;accept&nbsp;the&nbsp;updated&nbsp;Privacy&nbsp;Policy.<\/p>\n\n\n\n<ol class=\"wp-block-list\" start=\"5\">\n<li>Disclaimer\u00a0and\u00a0Limitation\u00a0of\u00a0Liability<\/li>\n<\/ol>\n\n\n\n<p>6.1&nbsp;Although&nbsp;we&nbsp;will&nbsp;endeavor&nbsp;to&nbsp;maintain&nbsp;the&nbsp;continuity&nbsp;and&nbsp;stability&nbsp;of&nbsp;the&nbsp;service,&nbsp;the&nbsp;app&nbsp;is&nbsp;not&nbsp;responsible&nbsp;for&nbsp;any&nbsp;interruption&nbsp;or&nbsp;delay&nbsp;in&nbsp;service&nbsp;due&nbsp;to&nbsp;network&nbsp;failure,&nbsp;system&nbsp;maintenance,&nbsp;force&nbsp;majeure&nbsp;and&nbsp;other&nbsp;factors.<\/p>\n\n\n\n<p>6.2&nbsp;Digital&nbsp;currency&nbsp;investment&nbsp;is&nbsp;subject&nbsp;to&nbsp;multiple&nbsp;risks&nbsp;such&nbsp;as&nbsp;price&nbsp;fluctuations,&nbsp;technical&nbsp;risks,&nbsp;and&nbsp;policy&nbsp;risks.&nbsp;Users&nbsp;should&nbsp;fully&nbsp;understand&nbsp;and&nbsp;bear&nbsp;all&nbsp;risks&nbsp;and&nbsp;losses&nbsp;arising&nbsp;from&nbsp;investment&nbsp;decisions.<\/p>\n\n\n\n<p>6.3&nbsp;We&nbsp;care&nbsp;about&nbsp;the&nbsp;integrity&nbsp;and&nbsp;security&nbsp;of&nbsp;your&nbsp;user&nbsp;information.&nbsp;We&nbsp;have&nbsp;implemented&nbsp;commercially&nbsp;reasonable&nbsp;technical&nbsp;and&nbsp;organizational&nbsp;measures&nbsp;designed&nbsp;to&nbsp;protect&nbsp;your&nbsp;User&nbsp;Information&nbsp;from&nbsp;accidental&nbsp;loss&nbsp;and&nbsp;unauthorized&nbsp;access,&nbsp;use,&nbsp;alteration&nbsp;or&nbsp;disclosure.&nbsp;However,&nbsp;you&nbsp;acknowledge&nbsp;and&nbsp;agree&nbsp;that,&nbsp;despite&nbsp;our&nbsp;reasonable&nbsp;security&nbsp;measures,&nbsp;we&nbsp;cannot&nbsp;guarantee&nbsp;that&nbsp;electronic&nbsp;communications&nbsp;over&nbsp;the&nbsp;Internet&nbsp;will&nbsp;be&nbsp;100%&nbsp;secure&nbsp;and&nbsp;that&nbsp;unauthorized&nbsp;third&nbsp;parties&nbsp;will&nbsp;never&nbsp;be&nbsp;able&nbsp;to&nbsp;defeat&nbsp;these&nbsp;measures&nbsp;or&nbsp;use&nbsp;your&nbsp;User&nbsp;Information&nbsp;for&nbsp;improper&nbsp;purposes.&nbsp;You&nbsp;acknowledge&nbsp;that&nbsp;you&nbsp;are&nbsp;under&nbsp;no&nbsp;obligation&nbsp;to&nbsp;use&nbsp;the&nbsp;Services&nbsp;and&nbsp;that&nbsp;you&nbsp;provide&nbsp;any&nbsp;personal&nbsp;or&nbsp;sensitive&nbsp;information&nbsp;in&nbsp;order&nbsp;to&nbsp;use&nbsp;the&nbsp;Services&nbsp;at&nbsp;your&nbsp;own&nbsp;risk!<\/p>\n\n\n\n<ol class=\"wp-block-list\" start=\"6\">\n<li>Changes\u00a0and\u00a0Termination\u00a0of\u00a0the\u00a0Agreement<\/li>\n<\/ol>\n\n\n\n<p>7.1&nbsp;We&nbsp;reserve&nbsp;the&nbsp;right&nbsp;to&nbsp;modify&nbsp;the&nbsp;Agreement&nbsp;at&nbsp;any&nbsp;time,&nbsp;and&nbsp;the&nbsp;revised&nbsp;Agreement&nbsp;will&nbsp;be&nbsp;announced&nbsp;in&nbsp;the&nbsp;application&nbsp;or&nbsp;notified&nbsp;to&nbsp;the&nbsp;User&nbsp;by&nbsp;email&nbsp;or&nbsp;other&nbsp;means.&nbsp;If&nbsp;the&nbsp;user&nbsp;continues&nbsp;to&nbsp;use&nbsp;the&nbsp;service,&nbsp;he\/she&nbsp;is&nbsp;deemed&nbsp;to&nbsp;have&nbsp;accepted&nbsp;the&nbsp;revised&nbsp;agreement.<\/p>\n\n\n\n<p>7.2&nbsp;Users&nbsp;have&nbsp;the&nbsp;right&nbsp;to&nbsp;cancel&nbsp;their&nbsp;accounts&nbsp;at&nbsp;any&nbsp;time,&nbsp;and&nbsp;after&nbsp;cancellation,&nbsp;we&nbsp;will&nbsp;handle&nbsp;user&nbsp;data&nbsp;in&nbsp;accordance&nbsp;with&nbsp;laws&nbsp;and&nbsp;regulations.&nbsp;Before&nbsp;canceling&nbsp;your&nbsp;account,&nbsp;please&nbsp;make&nbsp;sure&nbsp;that&nbsp;you&nbsp;have&nbsp;properly&nbsp;disposed&nbsp;of&nbsp;the&nbsp;funds,&nbsp;assets&nbsp;and&nbsp;debt&nbsp;relationships&nbsp;in&nbsp;your&nbsp;account.<\/p>\n\n\n\n<ol class=\"wp-block-list\" start=\"7\">\n<li>Service\u00a0Termination<\/li>\n<\/ol>\n\n\n\n<p>8.1&nbsp;The&nbsp;Application&nbsp;has&nbsp;the&nbsp;right&nbsp;to&nbsp;suspend&nbsp;or&nbsp;terminate&nbsp;the&nbsp;provision&nbsp;of&nbsp;services&nbsp;to&nbsp;the&nbsp;user&nbsp;under&nbsp;the&nbsp;following&nbsp;circumstances:&nbsp;(1)&nbsp;the&nbsp;user&nbsp;violates&nbsp;the&nbsp;Agreement;&nbsp;(2)&nbsp;the&nbsp;requirements&nbsp;of&nbsp;laws&nbsp;and&nbsp;regulations&nbsp;or&nbsp;the&nbsp;instructions&nbsp;of&nbsp;regulatory&nbsp;agencies;&nbsp;(3)&nbsp;to&nbsp;protect&nbsp;the&nbsp;security&nbsp;of&nbsp;the&nbsp;user&#8217;s&nbsp;account&nbsp;or&nbsp;the&nbsp;normal&nbsp;operation&nbsp;of&nbsp;the&nbsp;Application.<\/p>\n\n\n\n<ol class=\"wp-block-list\" start=\"8\">\n<li>Other\u00a0this\u00a0Agreement<\/li>\n<\/ol>\n\n\n\n<p>9.1&nbsp;These&nbsp;Terms&nbsp;are&nbsp;made&nbsp;under&nbsp;and&nbsp;will&nbsp;be&nbsp;governed&nbsp;by&nbsp;and&nbsp;construed&nbsp;in&nbsp;accordance&nbsp;with&nbsp;the&nbsp;laws&nbsp;of&nbsp;the&nbsp;Federal&nbsp;Republic&nbsp;of&nbsp;Nigeria,&nbsp;without&nbsp;regard&nbsp;to&nbsp;any&nbsp;principles&nbsp;of&nbsp;the&nbsp;laws&nbsp;of&nbsp;other&nbsp;jurisdictions&nbsp;that&nbsp;may&nbsp;apply.<\/p>\n\n\n\n<p>9.2&nbsp;If&nbsp;you&nbsp;have&nbsp;any&nbsp;dispute&nbsp;about&nbsp;this&nbsp;Privacy&nbsp;Policy&nbsp;or&nbsp;our&nbsp;handling&nbsp;of&nbsp;your&nbsp;personal&nbsp;information,&nbsp;you&nbsp;should&nbsp;first&nbsp;attempt&nbsp;to&nbsp;resolve&nbsp;it&nbsp;with&nbsp;us&nbsp;through&nbsp;amicable&nbsp;negotiation.&nbsp;If&nbsp;the&nbsp;negotiation&nbsp;fails,&nbsp;the&nbsp;dispute&nbsp;may&nbsp;be&nbsp;resolved&nbsp;through&nbsp;legal&nbsp;means&nbsp;in&nbsp;accordance&nbsp;with&nbsp;relevant&nbsp;laws&nbsp;and&nbsp;regulations.&nbsp;The&nbsp;dispute&nbsp;resolution&nbsp;process&nbsp;does&nbsp;not&nbsp;affect&nbsp;the&nbsp;parties&nbsp;to&nbsp;continue&nbsp;to&nbsp;fulfill&nbsp;the&nbsp;other&nbsp;non-controversial&nbsp;terms&nbsp;of&nbsp;this&nbsp;Privacy&nbsp;Policy.<\/p>\n\n\n\n<ol class=\"wp-block-list\" start=\"9\">\n<li>Contact\u00a0Us<\/li>\n<\/ol>\n\n\n\n<p>10.1&nbsp;If&nbsp;you&nbsp;have&nbsp;any&nbsp;questions,&nbsp;suggestions&nbsp;or&nbsp;complaints&nbsp;about&nbsp;this&nbsp;Privacy&nbsp;Policy,&nbsp;please&nbsp;contact&nbsp;us&nbsp;at<\/p>\n\n\n\n<p>Customer&nbsp;service&nbsp;telephone&nbsp;number:&nbsp;[+234&nbsp;02018890219]<\/p>\n\n\n\n<p>Email:&nbsp;[customerservice@horizonpay.ng]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>These&nbsp;terms&nbsp;and&nbsp;conditions&nbsp;were&#038;nbs 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