Terms & Conditions

Introduction

These Terms and Conditions ("Terms") set forth a legal agreement between you, as a prospective customer of Etegram Tech Limited ("Etegram," "we," "our," or "us"), and Etegram Tech Limited, and govern your access to and use of our services, which include but are not limited to all pages within the Etegram website, mobile applications, and other related products and services (collectively referred to as the "Services").

By accessing or using any of the Services, you explicitly agree to comply with and be bound by these Terms, as well as any future modifications, in full and without limitation or qualification. This includes our Privacy Notice, which is incorporated by reference into these Terms

If you do not agree to all of the terms and conditions contained herein, you must immediately cease using the Services.

Who We Are And Our Company Information

We are Etegram; a company registered under the laws of the Federal Republic of Nigeria. Our registered office is at 31 Udoekong Akpabio Street, Anua Obio Offot, Uyo, Akwa Ibom State.

PLEASE READ AND UNDERSTAND THE TERMS OF AGREEMENT CAREFULLY BEFORE AGREEING TO BE BOUND BY ITS TERMS.

Governing Language

The governing language of these terms and all communication between Etegram and you will be English language.

Who May Use Our Services?

You may only use the Services if you agree to form a binding contract with Etegram Tech Limited and are not prohibited from receiving services under the laws of the applicable jurisdiction. By accessing or using the Services, you represent and warrant that you meet these eligibility requirements.

If you accept these Terms and use the Services on behalf of a company, business, or organization, you further represent and warrant that you have the authority to bind that entity to these Terms and that such entity accepts these Terms in full

Age Restriction

Our website and Services are directed to people from the ages of 18 and above. You are only permitted to use the Services if you are aged 18 or older. We do not knowingly engage people younger than the age of 18.

Intellectual Property

Unless otherwise stated, Etegram Tech Limited and/or its licensors hold all intellectual property rights to the materials on the Etegram website, subject to the license provided below. All text, formatting (including without limitation the arrangement of materials on the Etegram website), graphics, animations, tools, commercials, music, videos, articles, sound, trade names, logos, and other materials or information available on the website (collectively, the "Content") are protected by intellectual property rights held by Etegram, its affiliates, licensors, and licensees. By using our Services, you acknowledge and agree that Etegram does not grant you any right, license, title, or interest in any intellectual property rights related to the Content, which may or may not be accessible to you. The Content, in whole or in part, may not be copied, reverse engineered, decompiled, disassembled, modified, or reposted on other websites without express written permission from Etegram. Nothing on the Etegram website should be interpreted as granting, by implication or otherwise, any license or right to use any trademark displayed on the website without the prior written consent of Etegram or any third party that may own the trademark. You agree to take any actions, including providing legal or official documents, as necessary to further affirm and protect Etegram’s intellectual property rights.

License to Use Our Website

We grant you a non-assignable, non-exclusive and revocable license to use the software provided as part of our Services in the manner permitted by these Terms. This license grant includes all updates, upgrades, new versions and replacement software for your use in connection with our Services.The Services are protected by copyright, trademark, and other laws of both Nigeria and foreign countries. Nothing in these Terms gives you a right to use the Etegram name or any of Etegram's trademarks, logos, domain names, and other distinctive brand features. All right, title and interest in and to the Services are and will remain the exclusive property of Etegram. If you do not comply with all the provisions, then you will be liable for all resulting damages suffered by you, Etegram and all third parties. Unless otherwise provided by applicable law, you agree not to alter, re-design, reproduce, adapt, display, distribute, translate, disassemble, reverse engineer, or otherwise attempt to create any source code that is derived from the software. Any feedback, comments, or suggestions you may provide to us and our Services is entirely voluntary and we will be free to use such feedback, comments or suggestions as we see fit without any obligation to you.

Information Security and Warranty Disclaimer

ETEGRAM TECH LIMITED WILL MAKE EVERY EFFORT TO KEEP THE WEBSITE ACCESSIBLE AND FUNCTIONING SMOOTHLY AT ALL TIMES AND BUG FREE. HOWEVER, YOU UNDERSTAND THAT USING THE WEBSITE AND SERVICES IS ENTIRELY AT YOUR OWN RISK. ALL MATERIALS AND SERVICES ARE PROVIDED "AS IS," WITH NO EXPRESS OR IMPLIED WARRANTIES OF ANY KIND. ETEGRAM SPECIFICALLY DISCLAIMS ALL WARRANTIES AND CONDITIONS, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AVAILABILITY, SECURITY, OWNERSHIP, AND NON-INFRINGEMENT OF INTELLECTUAL PROPERTY RIGHTS YOUR USE OF OUR SERVICES IS AT YOUR OWN RISK AND YOU ALONE WILL BE RESPONSIBLE FOR ANY DAMAGE THAT RESULTS IN LOSS OF DATA OR DAMAGE TO YOUR COMPUTER SYSTEM. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN OBTAINED BY YOU FROM OUR WEBSITE OR OUR SERVICES WILL CREATE ANY WARRANTY OR CONDITION NOT EXPRESSLY STATED. You are responsible for setting up your technology, software, and platform to access our Services. Make sure you have appropriate virus protection in place, as we cannot guarantee that our Services will be free from viruses or bugs. You must not try to gain unauthorized access to our Services, systems, or databases. Additionally, you are prohibited from misusing our Services by introducing trojans, viruses, or other malicious or harmful technologies.

Limitation of Liability

YOUR USE OF THE ETEGRAM WEBSITE AND SERVICES IS ENTIRELY AT YOUR OWN RISK. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, YOU AGREE THAT ETEGRAM TECH LIMITED WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, CONSEQUENTIAL, SPECIAL, OR EXEMPLARY DAMAGES, OR ANY DAMAGES WHATSOEVER, INCLUDING BUT NOT LIMITED TO THOSE RESULTING FROM LOSS OF REVENUE, LOSS OF PROFIT, LOSS OF USE, LOSS OF DATA, LOSS OF GOODWILL, BUSINESS INTERRUPTION, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO THE USE OR INABILITY TO USE THE ETEGRAM WEBSITE OR SERVICES, WHETHER OR NOT ETEGRAM HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THIS LIMITATION APPLIES REGARDLESS OF THE LEGAL THEORY UNDER WHICH THE CLAIM ARISES, WHETHER BASED ON WARRANTY, TORT, CONTRACT, STATUTE, OR OTHERWISE. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN WARRANTIES OR LIABILITY FOR DAMAGES. IN SUCH CASES, THE LIMITATIONS AND EXCLUSIONS STATED HEREIN WILL APPLY TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.

Indemnification

You hereby indemnify Etegram and undertake to keep Etegram, its staff and affiliates, indemnified against any losses, damages, costs, liabilities and expenses (including without limitation reasonable legal fees and expenses) arising out of any breach by you of any provision of these Terms or arising out of any claim that you have breached any provision of these Terms. You will indemnify and hold Etegram harmless from and against any claim, suit or proceedings brought against Etegram arising from or in connection with violations of intellectual property or other rights of third parties in relation to your use of the Services.

Breach of these Terms

Without prejudice to Etegram's other rights under these Terms, if you breach these Terms in any way, Etegram may take such action as Etegram deems appropriate to deal with the breach, including suspending your access to the website, prohibiting you from accessing the website, blocking computers using your IP address from accessing the website, contacting your internet service provider requesting that your access to the website be blocked and/or bringing court proceedings against you.

Cookies

Like many other websites, we use cookies to identify you as a user and to customize and improve our Services. A cookie is a small data file that is transferred to your computer or mobile device. It enables us to remember your account log-in information, IP addresses, web traffic, number of times you visit, date and time of visits. Please refer to our Cookies Notice for more information. Some browsers may automatically accept cookies, while some can be modified to decline cookies or alert you when a website wants to place a cookie on your computer. If you do choose to disable cookies, it may limit your ability to use our website.

Data Privacy and Protection

Etegram recognizes the importance of protecting the privacy of those who visit and choose to use the Etegram Services. Etegram remains compliant with the Payment Card Industry Data Security Standard (PCI/DSS) requirement to the extent applicable. Please note that such requirements may be amended from time to time. With respect to all the Personal Information belonging to, and/or processed in connection with Etegram or this website, such Personal Information at all times are in compliance with all Data Protection Laws in the territory, in all respects and in particular the Nigeria Data Protection Act and the Nigeria Data Protection Regulation and all applicable data protection regulation in force. Etegram maintains a Privacy Notice which provides an overview of the Personal Information we collect about you or that you provide to us. By using the Etegram Services, you consent to such processing, and you warrant to provide accurate information.

Governing Law

These Terms shall be interpreted and governed in accordance with the Laws of the Federal Republic of Nigeria, and you submit to the non-exclusive jurisdiction of the Courts located in the Federal Republic of Nigeria for the resolution of any dispute.

Termination

You may terminate your agreement with Etegram ceasing to use Etegram Services. We may suspend or terminate our Services to you at any time, for any reason including without limitation, breach of these Terms, fraud, impersonation, etc. Upon termination, your right to use Etegram Services or platform will immediately cease.

Prohibited and Requiring Pre-Approval

Sub-Merchant Types Sub-merchants Requiring Pre-Approval:

Etegram shall not solicit or sign agreements with merchants or sub-merchants (i) in any of the following categories/businesses, or (ii) engaging in any of the following activities unless the Etegram is entering into a broad-based program with a recognized referral, technology or marketplace partner that specializes in these types of activities or businesses and such program is pre-approved by Etegram in its sole discretion. Such activities are as follows:

  • Age Restricted products or services.
  • Any Sub-merchant where the anticipated % of International Card Sales is expected to be greater than 20% of total sales.
  • Marketplaces, which bring together buyers and sellers allowing for online purchases.
  • Crowd Sourced Fundraising, as defined by Etegram from time to time, except however, Crowd Sourced Fundraising shall not be allowed for the purchase of stock or equity, a promise made to deliver a good or service in the future, or there is no consideration in return for the payment or donation.
  • Dating services.
  • Internet/Mail Order Pharmacies.
  • NGO / Charities.
  • Money Transfer, Wire Transfers, Money Orders, Transmitters, including merchants unless registered and licensed as a Money Service Business or Money Transfer Operator.
  • Payment Facilitators (unless Registered & Licensed)
  • Personal Enhancement Products and/or Nutraceuticals.
  • Sports Betting, sports forecasting or odds making with a monetary or material value prize or award.
  • Investment or Brokerage services, including but not limited to the purchase of securities or Crypto.
  • Lending services, debt repayment or collections.
  • Buy Now, Pay Later Services or other installment loan services.
  • Insurance services, whether as a direct underwriter, agent or broker.
  • Digital Wallets, Cryptocurrency, Non-Fungible Token (NFTs) or Prepaid Card Companies.
  • Neobanks or other FinTechs, who partner with licensed financial institutions to offer banking or other financial services to consumers and/or businesses.
  • Businesses facilitating Money Transfer Services or other remittances.
  • Travel services such as Airlines, Cruises, Timeshare, Tour Operators, Travel Agency Services, Hotels and Resorts.
  • Prepaid Phone Cards and SIM Cards.
  • Stored Value Services offered as a resale or on behalf of another party.
  • Governmental agencies including, but not limited to: Embassies, Consulates, and Governmental Services.
  • Shipping Forwarding Services or Drop Shippers.
  • Cannabis products or services including dispensaries, delivery services, CBD/THC products.
  • Tobacco products, including e-Cigarettes.
  • Lotteries.
  • Internet gambling.
  • Cryptocurrency

Prohibited Sub-Merchants

Etegram shall not solicit or sign agreements with merchants or sub-merchants (i) in any of the following categories/businesses, or (ii) engaging in any of the following activities, as may be updated by Etegram in its sole discretion from time to time as they are prohibited by Etegram and/or the Card Brand rules. Such activities include:

  • Any product, service or activity that is deceptive, unfair, predatory or prohibited by one or more Card Brands.
  • Any Merchant selling goods or services that represent a violation of any law, statute or regulation.
  • Any Merchant selling products that infringe on the intellectual property rights of others, including counterfeit goods or any product or service that infringes on the copyright, trademark or trade secrets of any third party, such as many Cyberlockers.
  • Any Merchant that engages in the unauthorized sale of brand name or designer products or services.
  • Any Merchant accepting a card as payment for a dishonored check or for an item deemed uncollectible by another merchant.
  • Any Merchant that accepts a card at a scrip-dispensing terminal.
  • NGO / Charities.
  • Adult entertainment and/or adult content websites including Electronic Commerce adult content (videotext) merchants that would include MCC's 5967, 7273 and 7841.
  • Bestiality.
  • Brand or reputational damaging (whether potential or otherwise) activities including Child Pornography, Escort services, Mail Order Brides, Prostitution, Massage Parlours, Occult.
  • Digital Wallet, Cryptocurrency or Prepaid Companies.
  • Drug Paraphernalia.
  • Firearms, weapons, ammunition, gunpowder, fireworks and other explosive substances, chemicals or devices.
  • Research chemicals, peptides, and other toxic, flammable or radioactive materials.
  • Investment or “get rich quick” merchants, businesses or programs.
  • Marijuana dispensaries and related products or services.
  • Multi-Level Marketing Businesses.
  • “Negative option” marketing, renewal, or continuity subscription practices; marketing activities involving low-dollar trails, “pay only for shipping,” and/or “free trial” periods after which a credit card is charged periodically and/or a significantly larger amount.
  • Pawn Shops.
  • Pseudo Pharmaceuticals.
  • Psychics and “occult” businesses.
  • Quasi-Cash or Stored Value.
  • Substances designed to mimic illegal drugs.
  • Transacting Virtual Currency or credits that can be monetized, re-sold or converted to physical or digital goods or services or otherwise exit the virtual world.
  • Identification Providing Services.
  • Business, content, services or behaviour that promotes, glorifies or engages in unlawful violence, physical or virtual harm to property, persons, or group on the basis of race, national origin, religion, disability, gender, or sexual orientation.
  • Predatory financial services including but not limited to credit counselling, wealth management, or loan consulting.
  • Pornography or other adult audience products or services including images, video, audio, literature, live chat services or other media, which convey explicitly sexual behaviour.
  • Bail Bond Services, Bankruptcy Lawyers, or Law Firms collecting funds for any service other than legal services fees.
  • In-person gambling or sweepstakes or contests, fantasy sports leagues offering monetary or value prizes or awards.
  • Bidding fee auctions.
  • Using Etegram’s card not-present checkout flow as a virtual POS terminal for in-person card present transactions.
  • Currency Exchange Services.
  • Any unlawful activities/items or encouragement of the same.
  • Pornography or other adult audience products or services including images, video, audio, literature, live chat services or other media, which convey explicitly sexual behaviour.
  • Pornography or other adult audience products or services including images, video, audio, literature, live chat services or other media, which convey explicitly sexual behaviour.
  • Pornography or other adult audience products or services including images, video, audio, literature, live chat services or other media, which convey explicitly sexual behaviour.

Changes to the Etegram Terms of Use

Etegram reserves the right to change, revise or modify these Terms from time to time by updating this page. The changes will not be retroactive, and the most current version of the Terms which will always be on this page and will continue to govern our relationship with you. We will also endeavor to notify you of any material changes which could be done via email associated with your account or service notification. By continuing to use our Services after the changes become effective, you agree to be bound by the revised Terms.

General

These Terms supersede and extinguish all previous agreements between you and Etegram whether written or oral, relating to its subject matter. In the event that any of these Terms is held to be invalid or unenforceable, then that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions of these Terms will remain subsisting and in full effect. Etegram's failure to enforce any right or provision of these Terms will not be deemed a waiver of such right or provision.

Complaints

If you have any complaints about us and our Services, you may contact us at hi@Etegramgroup.com

Contact Us

Etegram Limited
Email Address: hi@Etegramgroup.com
Address: 15b Ikot Abasi Street, Uyo, Akwa Ibom State
Hours of Operation: 9am - 6pm (Mon - Fri)