These Terms of use are effective as of March 15th, 2021
This Terms of Use sets out your rights and responsibilities when you use RemedyApp and other services provided by Remedy App, so please read it carefully. By installing and using RemedyApp you are agreeing to the Terms. If you do not agree with the Terms, you may not use the RemedyApp.
We know your personal information is important to you, so it is important to us. Our Privacy Policy details how your information is used when you use our services. By using our services, you are also agreeing that we can process your information in the ways set out in the Privacy Policy, so please read it here
To register and use our service, you must be 18 years or lawfully permitted to enter into and form contracts under applicable law. You agree that the information that you provide to us upon registration and at all times will be true, accurate, current and complete. You also agree that you will ensure that this information is kept accurate and up to date at all times. This is especially important with respect to your email address, since that is the primary way in which we will communicate with you about your account.
When you register, you will be asked to provide a password. You are responsible for safeguarding the password and you agree not to disclose your password to any third party. You agree that you shall be solely responsible for any activities or actions under your password, whether or not you have authorized such activities or actions. You shall immediately notify us of any unauthorized use of your password.
By supplying your email address to RemedyApp, you agree that administrative notices, marketing, and other notifications may be sent to this address.
Where you subscribe for any service, you will be billed in advance on a recurring, periodic basis. Your subscription will automatically renew at the end of the subscription cycle except where you cancel or we terminate your subscription.
By submitting Your Information to us, you give us your Consent to use Your Information for the above purposes. Be assured that where we decide other options for processing your data, we will inform you.
In your payment profile, we require you to set up your card or account that will be debited for RemedyApp. Be assured that your card details are protected. You reserve the right to disable a card or account from being debited where you choose not to be debited again from that account.
If you use a debit card to order our service, you will need to confirm that the debit card is yours. All debit card holders are subject to validation checks and authorization by the card issuer and or Payment Partner. If the issuer of your card refuses to authorize payment we will not accept your request and we will not be responsible for any delay or non-provision of the relevant service and we are not obliged to inform you of the reason for the refusal. We are not responsible for your card issuer, bank or payment gateway charging you as a result of our processing of your debit card payment in accordance with your request
Our services are provided through the use of debit card and bank account. Any card you use must have a valid billing address and a valid card issuing bank. You agree that RemedyApp should debit your card or account which you provide through our website after we have confirmed your pin and other authentication processes which you are required to use in connection with our App. We do not take any additional authentication or identity verification measures other than what we provide you on our App that is sufficient and appropriate to protect your security for the proper use of the App.
Where you elect to pay for your subscription with your debit card, you warrant that the information you provide is correct and that you have the right to use such debit card. If we notice that the card details you provide for payment is invalid for any reason and so cannot be processed, we may suspend, terminate or cancel your subscription.
You agree not to make fraudulent transactions while using this service.
Fraudulent transactions include but is not limited to:
- The use of a debit card by a person other than the authorized cardholder to access this service.
- Use of a card that is not authorized in terms of the rules governing the issuance and use of cards;
Where we notice any fraudulent transactions on your account, we may, in addition to any other remedy available to us, be entitled to unilaterally terminate your use of this service.
You agree that you shall repay the loan by the agreed installments together with the accrued interest on the agreed date. You authorized us to debit the account with the payments specified in the loan agreement until all monies due (including interest to the date of closure) have been repaid.
Loans may be repaid in full at any time with no early repayment penalties. Additional payments to reduce the outstanding loan balance can also be made at any time without any penalties or charges.
Legal Disclosure: - Your Information may be disclosed to a court or Governmental authority to respond to subpoenas, court orders, or other legal processes; to establish or exercise our legal rights, to investigate, prevent or take action regarding illegal or suspected illegal activities or to protect our property; to protect other users, to defend against legal claims; or as otherwise required by law.
Without affecting our right to demand repayment at the agreed time (even before the agreed date for payment of the loan), we may demand repayment if any of the following happen:
- if you fail to pay any money you owe us on the date it is due and this failure lasts for more than 21 days after we have written to tell you that the amount is overdue;
- if you break any of the terms and conditions of this agreement and you do not resolve the position within 21 days after we have written to tell you to do so;
- if you or your guarantor die or do something which could lead to bankruptcy;
- if your guarantor serves us with a notice that he or she will no longer act as your guarantor
- if any decree, judgment or order of court is obtained against you and you do not pay it within one month from the date it was issued;
- if any information supplied for or by you in application for the credit facility was false, misleading or inaccurate;
The online calculator on the App gives the accurate and final amount of interest that is to be paid on the amount borrowed. The interest shall be the final percentage of interest charged.
Unless we have made an obvious error, our certificate of any amount you owe will be binding on you.
We may terminate the loan agreement and demand immediate repayment of all sums due in respect of the loan agreement after giving any written notice required by law if:
a. You fail in any material respect to keep any part of the loan agreement.
b. You have deliberately given false information or given inaccurate information in connection with the loan agreement or any other credit agreement between you and us.
c. You are the subject of a court action which has the effect of taking away from your control of the whole or a substantial part of your assets.
d. You have become incapable in law of managing their own affairs.
e. You either be declared bankrupt. In such case all the interest that would have been payable if the loan agreement had run its full term shall become payable forthwith.
Should we terminate the loan agreement or should you default, the we are entitled to the repayment of the whole sums due under the loan agreement.
Loan agreements may only be cancelled before approval by you orus. There is no penalty or charge for cancellation.
If at any time after giving us personal information you decide that you no longer wish us to hold or use this information, or in the case that the information becomes out of date, you are free to remove or rectify the information within a reasonable time and in accordance.
For your protection, we reserve the right to suspend access if:
- We suspect fraud or money laundering
- Incorrect password is used to access your account.
In the event that you default on your loan or any terms and conditions in relation thereto, details of such default or defaults shall be passed to debt recovery agencies and courts. In such circumstances, it is understood that the we may disclose details of the your account to any individual, individuals or organizations for repayment of the loan.
Your obligations as a user include:
- Provision and maintenance of all necessary equipment and devices used to access this website.
- Where it is a mobile device, you may be charged by your mobile service provider for internet access on your device You are required to pay for all charges to have access to the internet in order to use our services.
- You acknowledge that the local service may not be available, in whole or in part, in certain parts of the country.
- Where we provide an update, you are solely responsible for updating this service on your devices and equipment.
- Compliance with these terms and conditions of this App.
- Not use this App in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity.
- Not use this App for any purposes related to marketing without our express written consent.
The information and services including but not limited to the graphics, write up, pictures, user interface, contain the proprietary information of which RemedyApp is the owner and it is protected by the applicable intellectual property Laws of Nigeria. Therefore, you agree that you shall not modify, alter, rent, sell or distribute the contents of RemedyApp and you shall also not exploit same in any manner not authorized under this terms and conditions.
RemedyApp may transfer, sub-contract or otherwise deal with RemedyApp’s rights and/or obligations under these terms and conditions without notifying you or obtaining your consent. You may not transfer, sub-contract or otherwise deal with your rights and/or obligations under these terms and conditions except a written consent is given to you by RemedyApp.
RemedyApp grants you and you accept a limited, non-exclusive, non-transferable, non-assignable right to use this service and except as provided in this terms and conditions, no other license under any patents, copyrights, trademarks, trade secrets or any other intellectual property rights, express or implied, are granted by us while using this service.
You agree that we shall not be held liable for any special, collateral, exemplary, indirect, incidental or consequential damages (including without limitation, loss of goodwill, loss of profit or revenue, loss of savings, loss of use, interruptions of business, and claims from or in connection with the services herein provided. We do not, in any event, accept liability for any failure to perform the service (e.g. your instruction) as a result of circumstances which could reasonably be considered to be due to abnormal and unforeseen circumstances or outside our control or due to our obligations under any applicable laws, rules or regulations;
Where a jurisdiction does not allow the exclusion of certain warranties or disclaimers or the limitation or exclusion of warranties, in such case RemedyApp liability shall be the minimum permitted under such applicable law.
We reserve the right to modify, suspend or discontinue, temporarily or permanently, the service or any part of it, with or without notice, at any time. You agree that we shall not be liable to you or to any third party for any such modification, suspension or discontinuance of the site.
We shall also not be liable for the following;
- Malfunctions in communications facilities which cannot reasonably be considered to be under our control and that may affect the accuracy or timeliness to provide our services.
- any losses or delays in transmission of messages or data arising out of the use of any internet or telecommunications service provider or caused by any browser or other software which is not under our control; or errors on the App or with the service caused by incomplete or incorrect information provided to us by you or a third party.
No liability shall lie against us more than one (1) year after the accrual of the cause of such liability. We are not liable for all actions or inactions of the third party not acting on our instructions neither shall we liable for any action not traceable to us. You agree that our liability to you with respect to our provision of our service shall not in aggregate exceed the sum paid by you to us in your use of our service.
These Terms shall continue to apply until terminated by you or RemedyApp. You may choose to stop using this service. We may also decide to suspend or terminate your access to our service where we notice and we have reasons to believe that you have:
a. Breached any of the terms, public policy, or other terms, conditions, and policy; or/and
b. You create risk or possible legal exposure for us; or
c. Our provision of the services to you is no longer commercially viable.
Without limiting other remedies, we may issue a warning, suspend or terminate your access and refuse to provide our Services to You if:
d. We are directed by law enforcement or other government agencies to do so
e. We are directed by a Card Network or issuing financial institution; or
f. We believe that your actions may cause financial loss or legal liability for you, our users or to us.
g. We suspect that you have engaged in suspicious or fraudulent activity in connection with the use of the Service.
h. You breach or attempt to breach the security of the App.
i. An unexpected technical issue or problem occurs.
In the cases cited above, we shall terminate your use of this application save for these terms – Indemnity, Disclaimer, Miscellaneous in which cases shall be enforced against you. Any termination of this Agreement (however occasioned) shall not affect any accrued rights or liabilities nor shall it affect the coming into force or the continuance in force of any provision hereof which is expressly or by implication intended to come into or continue in force on or after such termination.
RemedyApp can bring an action against you for the recovering of damages, injunction or any other equitable remedy against you depending on the circumstances. These remedies are in addition to other remedies that may exist in law and equity.
RemedyApp may at its discretion, for the purpose of any investigation or an action in connection of the services provided herein, suspend any user of the use of its application until the determination of such investigation or claims. You agree that for these purposes you shall not sue RemedyApp, its directors or employees for the recovery of damages suffered by you during this period. You also agree that you waive all right of notice in such circumstances.
By using this service, you agree to defend and indemnify RemedyApp, our officers, directors, employees, agents, licensors, and suppliers, partners, sub-processors from and against all financial and reputational losses due to data security breach or the unauthorized use of shared captured personal information, any loss of funds, fraud, damages, actions, interest, awards, demands, liabilities, actions, judgment, penalties, fines, costs or expenses of whatever kind, including reasonable attorneys’ fees, damages and proceedings that may be made by any third party arising as a consequence of negligence and unlawful acts or omissions of your use of this service.
You agree to indemnify us with respect to any negligent acts or omissions, or willful conducts of your employees or agents, where you violate any applicable law, statute or regulation in the course of using this service or any modification or amendment of the prescribed terms of use communicated by us that we did not specifically approve in writing, any modification of or addition to the RemedyApp not provided or approved by us or your failure to comply with these terms and conditions or any part thereof.
This section will not be construed to limit or exclude any other claims or remedies to which we may be entitled hereunder or in law or equity.
We reserve the right to disclose any information provided where such disclosure is necessary for any investigation or complaint received in your violation of the terms and conditions contained in this site. We also reserve the right to disclose such information where it is intended to bring an action against such person’s acts. We shall also disclose such information where an applicable law requires same for fraud purposes or upon request by the government
You agree that we reserve the right to terminate your access to RemedyApp where we notice that your purpose of using this service is to deceptively obtain sensitive information like credit/debit card details, financial details, social security numbers, and other personal information. You further agree to comply with the requisite data protection and privacy laws that are applicable to you
Neither of us will be in breach of the Agreement if the failure to perform the obligation is due to an event beyond our control, such as significant failure of a part of the power grid, significant failure of the Internet, natural disaster, war, riot, insurrection, epidemic, strikes or other organized labor action, terrorism, or other events of a magnitude or type for which precautions are not generally taken in the industry.
REMEDYAPP DOES NOT WARRANT OR GUARANTEE THAT YOUR USE OF THIS SERVICE SHALL BE WITHOUT FAULT OR ERROR, HOWEVER, WE WARRANT THAT WE SHALL USE OUR BEST ENDEAVOURS TO ENSURE THAT THE REMEDYAPP PLATFORM FUNCTIONS OPTIMALLY AT ALL TIMES AND WITHIN GENERALLY ACCEPTED INDUSTRY STANDARDS. REMEDYAPP HEREBY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS OR IMPLIED OR OTHERWISE WITHOUT LIMITATION THAT THIS SOLUTION IS FREE FROM DEFECT OR USE FOR A PARTICULAR PURPOSE, YOU BEAR THE RISK AS TO USING THIS SERVICE FOR ANY PURPOSE AND QUALITY. REMEDYAPP IS NOT AND WILL NOT BE LIABLE FOR ANY RISK SUFFERED BY YOUR HARDWARE OR SOFTWARE, BE IT THAT THEY BECOME DELETED OR CORRUPTED OR THAT SOMEONE UNAUTHORIZED GAINED ACCESS TO YOUR INFORMATION. REMEDYAPP DOES NOT GUARANTEE OR WARRANTY THAT THE SERVICES PROVIDED UNDER THIS SOLUTION SHALL BE FREE FROM VIRUSES, ATTACK, CORRUPTION, HACKING AND INTRUSION FROM THIRD PARTIES. REMEDYAPP SHALL NOT BE LIABLE FOR ANY DATA CHARGES INCURRED BY YOU DURING THE USE OF THIS SERVICE.
REMEDYAPP SHALL USE REASONABLE EFFORTS TO ENSURE THAT THE INFORMATION YOU PROVIDE UNDER THIS SERVICE IS PROTECTED. HOWEVER, YOUR SUBMISSION OF THIS INFORMATION IS SOLELY AT YOUR OWN RISK AND YOU ABSOLVE REMEDYAPP OF ANY LIABILITY THAT MAY ARISE FROM SUCH INFORMATION GIVEN.
Remedy reserves the right, at its discretion, to review, modify, and update these terms from time to time to reflect changes in market conditions affecting our business, changes in our business, changes in payment methods, changes in technology, changes in relevant laws and regulatory requirements and changes in our system. If we do so we will notify you by email to the email address you have provided us with, however we are not obliged to, and such modification shall be effective upon posting of the revised Term on the Website. You agree to be bound by and changes to these Terms when you use our App after such modification is posted. It is therefore important that you review these Terms regularly to ensure you are updated as to any changes.
These Terms constitute the entire agreement between you and BioRegistra and it supersedes any other communication or terms prior to it.
This Agreement shall be governed and construed in accordance with the laws of the Federal Republic of Nigeria.
We hope that you continue to use this application with no disagreement. You irrevocably agree that if a dispute arises between you and us, in connection with the interpretation, implementation or operation of this terms and conditions, we shall resolve same amicably. Where we are unable to resolve the dispute amicably within 20 working days, then the dispute shall be referred to arbitration. The arbitration shall be in Lagos, Nigeria and the arbitral proceedings shall be conducted by a single arbitrator appointed jointly by both of us. The arbitrator shall apply the Arbitration and Conciliation Act, Cap A18 LFN 2004 and the arbitral proceedings shall be in the English language
The headings in this document are for convenience only and are not intended to have any legal effect nor purport to be complete or accurate descriptions of the content thereof and shall not be used to interpret the provisions of this document.
In the event, any of the aforesaid terms and conditions shall be rendered/held to be unenforceable due to any regulatory changes, the remaining terms and conditions shall be unimpaired, and the unenforceable term or condition shall be replaced by such enforceable term or condition as may come closest to the intention underlying the unenforceable term or condition.
These terms and conditions do not create an employment, agency, partnership, or joint venture relationship between you and us, therefore, neither party has the right to bind the other to any agreement with a third party.
You agree that where RemedyApp does not take action against you for your breach of any of the terms and conditions provided that such does not serve as a waiver of its right against you. Such rights exist even after your account has been terminated and so RemedyApp reserves it right to bring an action against you any time.
RemedyApp is and will not be liable for any claim or liability resulting from the breach of the Money Laundering (Prohibition) Act 2011 (As Amended). Where any user uses this solution for a transaction which is an offence that falls within the provisions of the Act or any law for the purpose of preventing money laundering or other crimes of whatever nature, such user becomes liable to the appropriate authority.
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