General terms of Use

1.1. Conceptual clarifications

You : The person who agrees to the terms and conditions of this Agreement.

KYC: : Know Your Customer (KYC) standards are designed to protect financial institutions against fraud, corruption, money laundering and terrorist financing.

Site web: The set of web pages and resources interconnected by hyperlinks, which the user can access through a web address called Url, all registered under the same domain name.

Transaction : L'opération effectuée via la plateforme de FeexPay.

1.2. Age limit

Our website and services are exclusively aimed at people aged 18 and over. We take no responsibility for its use by persons of below the minimum indicated.

1.3. Intellectual Property

This site and all its contents (texts, images, photography, brands, logos, url and gif) are the exclusive property of the company JH TRADING. It is protected by the property code As a result, any reproduction, representation, adaptation, translation and/or transformation partial or integral, or transfers to another site, without the prior written permission of the VEDETTE MEDIA, are prohibited and liable to prosecution.

1.4. License to use our website

The services of this website are provided to you with a non-transferable, non-exclusive and revocable license.

1.5. Security and confidentiality of collected data

Our platform is governed by all safety rules in terms of compliance and protection of personal data. A declaration to the Data Protection Authority Personal is performed in accordance with the requirements of the digital code in the Republic of Benin and amended by Law 2020-35 of 6 April 2021. In addition, your data is stored on a cloud server based in Switzerland and its use between in the KYC validation process. By signing up for our platform, you agree to share with us certain personal data to verify the legal conditions of your activity. You also give your permission for their use in the purposes stated above

Collecting personal information

The following types of personal information may be collected, stored and used:

a. Information about your computer, including your IP address, your geographical location, type and the version of your browser, and your operating system;
b. Information about your visits and use of this site web including source of reference, duration of the visit, page views, and paths browsing websites;
c. Information such as your e-mail address, which you provide to us when you register for the site;
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e. Information such as your name and email address, which you enter to subscribe to our e-mails and/or newsletters;
f. Information that you enter when you use the services of our website;
g. Information generated when using our site, including understood when, how often and under what circumstances you use it;
h. Information about the transactions you make on our site, which include your name, address, phone number, e-mail address and banking information;
i. Information contained in all communications you give us send by e-mail or on our website, including their content and metadata;
j. Information and documents downloaded from our platform for the purpose of activating your account;
a. Administer our website and company ;

a. Information about your computer, including your IP address, your geographical location, type and the version of your browser, and your operating system;

Use of your personal information

Personal information provided to us by the bias of our website will be used in the purposes described in this policy or in the relevant site pages. We may use your personal information to:

a. Administer our website and company ;
b. Customize our website for you ;
c. Allow your use of the services offered on our website ;
d. Send you statements, invoices and reminders of payment, and collect your payments;
e. Send you non-commercial marketing communications;
f. Send you our newsletter by email, if you have requested it (You can inform us at any time of your desire to no longer receive our newsletter);
g. Send you marketing communications related to our company or to carefully selected third-party companies that we believe may interest you, in the form of a publication, or if you have expressly given your agreement, by e-mail or similar technology (you can inform us at any time of your no longer receiving marketing communications);
h. Provide statistical information about our users to third parties (without these third parties being able to identify a user individual with this information);
i. Process requests and complaints;
j. Maintain the security of our website and prevent fraud ;
a. To the extent that we are required to do so by law;
b. In the context of any ongoing or future legal proceedings;

disclosure of your personal information

We may disclose your personal information:

a. To the extent that we are required to do so by law;
b. In the context of any ongoing or future legal proceedings;
c. To establish, exercise or defend our legal rights (including providing information others for fraud prevention and credit risk reduction);
d. To the buyer (or potential buyer) of any company or assets in our possession that we wish (or intend to) sell;
e. To any person whom we reasonably consider to be an integral part a court or other authority competent to disclose that information if, in our opinion, such a tribunal or authority would be may request disclosure of such personal information.

Unless otherwise provided in this policy, We will not share your personal information with third parties.

Retention of your personal information

This Section G details our conservation policies data and our procedures, designed to help us comply with our legal obligations regarding conservation and the deletion of personal information.

a. The personal information we process at any end that either are not kept longer than necessary for that purpose or for those purposes.
b. Without prejudice to Article G, we will generally delete personal data of these categories after a period of 10 years of inactivity.
c. Notwithstanding the other provisions of this Section G, we will retain documents (including electronic documents) containing personal data:
d. To the extent that we are required to do so by law;
e. If we think the documents may be relevant for any ongoing or potential legal proceedings; and
f. To establish, exercise or defend our legal rights (including providing information to others for prevention purposes fraud and credit risk reduction).

Security of your personal information

a. We will take technical and organizational precautions reasonable to prevent loss, abuse or alteration of your personal information.
b. We will store all personal information that you provide to us on secure servers (password and firewall protected).
c. All electronic financial transactions completed through our website will be protected by encryption technologies.
d. You acknowledge that the transmission of information by internet is inherently insecure, and that we cannot guarantee the security of your data sent by internet.
e. You are responsible for the confidentiality of the word of pass you use to access our website; we do not you will not ask for your password (except when you log in on our website).

2.1. Who can use our services?

You may use the services only if you agree these Terms and use the Services on behalf of a company or organisation and you have no restrictions issued by a third country in the use of service financial. You represent and warrant that you are authorized to do so. Merchants using our platform will not see their account activated only when they will have proceeded to the validation of the KYC due diligence course of which they must send a number of documents and information proving their identity as well as the legal nature and formal activities. We remind that by creating an account on our platform, you agree to receive by mail via our newsletter all information relating to our services or those that are to us directly or indirectly connected.

2.2. Managing your login details

During the onboarding process, you must create the account using your email address and your password that remain your login credentials. This information is personal and must remain confidential. You (merchant) are solely responsible for the consequences resulting from third party use of the account. Thus, to enhance the security of your account, your password must contain at least one uppercase letter, a lower case, a number and a special character.

2.3. Assignment of account

Your account remains your exclusive property and you do not must in no way assign the rights use to a third party without notification by registered letter with the agreement of FEEXPAY.

2.4. Operating responsibility and guarantees

JH TRADING is committed to providing you with an operational and secure site. Our support team is available to solve the various operational or integration problems that you may encounter in the use of our services as soon as possible. Moreover, JH TRADING and FEEXPAY do not offer any guarantees to merchants. Since the platform is based on a computer programming system and a network of servers, it could encounter system failures or other bugs. The merchant acknowledges that the FEEXPAY website and access to the financial services of said platform may be subject to maintenance.

2.5. Limitation of liability

JH TRADING shall not be held responsible for the operation of different platforms to which FEEXPAY is attached (Mobile Money and Moov Money, etc.) responsible for any external problems (technical, geographical, national) which may affect the functioning of the platform.

2.6. Indemnité

In case of non-compliance with the various procedures, JH TRADING may take applicable measures to restrict access to the platform FEEXPAY reserves the right to pay you or not the sums present on your account depending on the case and the seriousness of the violation. In case of failure of an amicable settlement, only the competent authorities in the matter may resolve the dispute.

2.7. Breach of these Terms

In case of non-compliance with the various procedures, JH TRADING may take applicable measures to restrict you access to the FEEXPAY platform by reserving the right to pay you or not the amounts in your account as the case may be and depending on the seriousness of the offence. In case of failure of an amicable settlement, only the competent authorities resolution of the dispute. This will be done through a notice which will be sent directly to you.

2.8. Hypertext links

Our site has links that direct you to platforms external properties of the company JH TRADING. We have no rights over some of them and we limit our responsibilities regarding the content of these various websites or platforms.

2.9. Cookies

We collect cookies on our website that store data relating to your login information. Accepting them would make your experience on the FEEXPAY platform much more enjoyable.

3.1. Duration of the contract

This contract is valid for an indefinite period. The merchant can stop it when they decide to stop using our services. To do so, he must inform JH TRADING.

3.2. Applicability of the Act

These conditions are valid in all countries in which FEEXPAY services are used. Their non-compliance is subject to the law and the courts of the Common Court of Justice and Arbitration of OHADA.

3.3. Prohibited activities

FEEXPAY must not be used for any of the following activities:

• violating a law, contract, order or regulation;
in connection with transactions involving products that a risk to the safety of the consumer; drugs and related objects; objects illegal or objects intended to encourage, promote and facilitate activities illegal or to explain to others how to lead them; objects that promote hatred, violence, racial intolerance or financial exploitation of criminal acts; objects that can be considered of nature obscene;
which involve the sale of products or services identified by government agencies as having a high probability of fraud;
in relation to and/or financing terrorism.

3.4. Liability and reserves

Payment requests are automatic But it can arrive depending on the case and amount that they be processed in a longer period of time.

You are responsible for all refund requests of your dissatisfied customers after judging, verification including that the refund will have to be made. The heading Refund on your dashboard you can easily manage this aspect. You are required to also solely responsible for one of the following situations:

• Overpayment
• Flow rejection;
• Payment error;
• Overpayment or not;
• Error, negligence or fraud of persons acting in your name or that of your company;
• Failure to comply with the terms of this contract.

This list is neither exhaustive nor exhaustive and may be updated.

4. COMMISSIONS

Unless otherwise specified, commissions are charged on each transaction to the recipient of the funds in the first instance and then to the Merchant's end customer in accordance with our fee schedule.

Additional fees may be charged in certain cases for :
• subscribe to optional services offered by FeexPay ;
• Occurrence of charge back cases ;
• cover our costs of processing money transfers (inter-state or outside WAEMU); convert currencies if necessary.

In order to protect against falling exchange rates on international currencies exchange rates, conversions can be carried out at different rates to the market rates and on the various currency conversion platforms. These lower rates will prevent FEEXPAY / JH TRADING from incurring losses inherent in losses inherent in foreign currency fluctuations. This is due to the difference between the customer's day of payment and the day of the day on which the transaction amount is transferred to the company's bank account.

Please note that downwardly adjusted exchange rates are not fixed and vary according to changes in financial market rates.

5. ERRORS AND UNAUTHORIZED TRANSACTIONS

You can view your transaction history at any time through the statistical data and reports contained in your account. It is very important that you inform FeexPay immediately and without delay in case any of the following situations occur:• constat d’un accès non autorisé sur votre compte :

• error made on your account or during a transaction ;
• the discovery of a transaction not authorized by you but made on your account;
• loss, theft or deactivation of your cell phone or computer.

We reserve the right to change or update the these conditions without prior notice to users of the FEEXPAY platform.