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Pagamio Vendor Standard Terms and Conditions

1. Introduction

  1. These terms and conditions govern your relationship with Pagamio.
  2. Please take special note of the paragraphs printed in bold as they may limit our responsibility or involve some risk for you.

2. How to interpret these terms and conditions

  1. In these terms and conditions, the words on the left have the meanings set out on the right unless the context clearly shows that the parties intended a different meaning:‍
  2. Access PINmeans the 4-digit numeric number that you choose to access the Pagamio System and your Prepayment – it operates as a security and authentication measure;‍
  3. Pagamio machinemeans the machine that forms part of the Pagamio System;‍
  4. Pagamio/us/we/ourmeans Pagamio (Pty) Ltd, a private company with main place of business at Workshop17, Watershed, 17 Dock Road, V&A Waterfront, Cape Town;
  5. ‍Pagamio Systemmeans the Pagamio hardware and software which enables you to communicate with us; Prepayment means an advance payment of an amount of money by you which is reflected against your name in the Pagamio account management system (using your phone number as unique identifier). A prepayment refers to the topping up of your Pagamio machine with Pagamio balance;‍
  6. RICA Actmeans the Regulation of Interception of Communications and Provision of Communication-Related Information Act, 70 of 2002;
  7. ‍Transactionsmeans the different transactions or activities that can be performed by you via the Pagamio System, whether as principal or in your capacity as agent for Pagamio and includes the vending and distribution of products, bill payments, transfer or prepayment and RICA activities;
  8. Quick Start Guidemeans the manual which explains how to operate the Pagamio System, as updated from time to time;‍
  9. Youmeans the user of the Pagamio System;
  10. Reference to:
  11. One gender includes all the genders;
  12. The singular form of a word includes the plural;
  13. The plural form of a word includes the singular;
  14. A law or regulation is a reference to that law or regulation as amended from time to time.

3. Registration

  1. Please follow the steps as set out in the Quick Start Guide to register with us and to keep your Pagamio machine activated.
  2. When you register, you accept these terms and conditions.
  3. Our distribution partner will verify, record and store your identity and other details against the Pagamio machine SIM card as required by the RICA Act.

4. Transacting using the Pagamio system

  1. You must make a prepayment to us before you will be able to perform transactions. A prepayment refers to the topping up your Pagamio machine with Pagamio balance.
  2. The different types of transactions that can be performed will be specified in the Quick Start Guide and is subject to change from time to time.
  3. The Quick Start Guide explains how to operate on the Pagamio System and is regularly updated. A Quick Start Guide will be provided to you together with the Pagamio machine and the latest Quick Start Guide will always be available on our website.
  4. The prepayment or any balance thereof can in no instance be redeemed for cash or by way of a deposit into a bank account and can only be used to perform transactions.
  5. Prepayment can be done as explained in the Quick Start Guide or as notified to you from time to time.
  6. You must ensure that you have enough prepayment to cover the amount of the transaction, where applicable.
  7. Your prepayment will immediately be reduced with the amount of each transaction, where applicable.
  8. To access the Pagamio System, you will need Pagamio hardware and software. You authorise us to carry out any and all transactions which are authenticated by your access PIN.
  9. The machine uses cellphone networks to communicate to the Pagamio System:
  10. There may be a cost involved in this communication and you are responsible for this cost.
  11. We cannot guarantee reception of cellphone networks in the area where you want to operate, and Pagamio will not be liable for any damages or loss in this regard.
  12. You acknowledge that information transmitted through the cellphone networks is susceptible to interception, unlawful access, distortion and monitoring and that you use the Pagamio System at your own risk.
  13. If the cellphone network that your machine is using to communicate to the Pagamio System is not operating for any reason, you will not be able to perform transactions and Pagamio will not be liable for any damages or loss in this regard.
  14. In our own discretion we may allow you to perform a Transaction without sufficient Prepayment from time to time without prejudice to our right in any subsequent Transaction to deny such Transaction where sufficient Prepayment does not exist.
  15. You will be entitled to such fees, commissions and discounts as may be applicable to Transactions from time to time. These amounts will be used to increase your prepayment and cannot be redeemed for cash.
  16. In all instances where we appoint you as our agent, you must act strictly within our mandate which will be detailed in the Quick Start Guide and RICA Document and/or communicated to you via the Pagamio System.
  17. No reversal of a voucher or instruction is permitted once a voucher is requested by you or an instruction is given to us.
  18. You may not charge any additional fees, costs or commissions to what is indicated on the Pagamio System.

5. Regulatory requirements

  1. You must at all times comply with applicable laws, including the RICA Act and indemnifies Pagamio against any loss or liability it may suffer as a result of non-compliance by you.‍
  2. ‍Electricity: The ability to distribute electricity vouchers are area specific and may not be available in your area. There are specific requirements applicable to the distribution of electricity vouchers which are specified in the RICA Document and you must comply with these rules.

6. Starter packs

  1. By selling or distributing Pagamio starter packs to you, we appoint you to sell starter packs to end-users only, unless specifically authorised otherwise by Pagamio in writing. This appointment can be revoked at any time.
  2. You must act in strict accordance with the instructions and directions provided and standards set by Pagamio from time to time.
  3. You will be entitled to such fees, commissions or discounts as communicated to you and which is subject to change from time to time.

7. RICA

  1. If you sell Pagamio starter packs, you must comply with the RICA Act.
  2. The requirements of the RICA Act are set out in the RICA Documentand you agree to comply with these requirements that customers need to show their green ID book or passport accompanied by proof of residence.
  3. You agree that you will sell starter packs only to end-users, unless specifically authorised otherwise by Pagamio in writing.
  4. The Pagamio machine provides you with a communication link to send an end user`s RICA data and the relevant SIM card number to us or a cellular network.
  5. The Pagamio machine enables you to RICA only Pagamio starter packs and we do not appoint you as our agent to RICA any other starter packs than Pagamio stock.
  6. You may only use the Pagamio machine and you may not use any other device or solution to RICA Pagamio starter packs.
  7. We may require you to provide us with such documents and information pertaining to you as set out in the (‘RICA Document’) before we activate the RICA capability of your Pagamio machine.
  8. You may not allow anyone else to use your Pagamio machine and access code to RICA an end-user.
  9. Pagamio reserves the right to terminate or suspend the RICA capability of the Pagamio machine immediately if:
  10. You fail to comply with the provisions of the RICA Act, the RICA Document and/or these terms and conditions;
  11. You fail to RICA for a continuous period of 4 months.

8. Security

  1. You understand that the use of the Pagamio System with the access PIN allows access to your Prepayment.
  2. You must make sure that you keep the machine and access PIN secret and secure and do not compromise any safety measures.
  3. If another person gets hold of your access PIN by whatever means, we will regard you as having authorised this person to access your prepayment on your behalf, as your agent with full authority to do so.
  4. You must notify us immediately if you have reason to think that someone else obtained your access PIN or if your Pagamio machine/SIM card is lost. Any losses or costs incurred prior to notification will be for your account.
  5. If the SIM card in your Pagamio machine is lost, stolen or damaged you must inform the South African Police Service in writing.

9. Changes

  1. We are entitled to change the type of transactions that can be performed via the Pagamio System, amend any feature or benefit as well as the fees, discounts, commissions and costs relating to the transactions from time to time by giving you reasonable prior notice of any such change.
  2. We are further entitled to change these terms and conditions and the Quick Start Guide from time to time.The latest version will always be available at www.Pagamio.co.za or available from us upon request. It is your responsibility to keep up to date and comply with the latest version of these documents.
  3. Your continued use of the Pagamio System means that you have accepted such changes.

10. Intellectual property

  1. Intellectual property rights of Pagamio shall remain the sole property of Pagamio and you will not vest any right, title or interest in the software contained in the Pagamio System.
  2. You may not tamper with, damage, misuse, modify, reverse engineer or decompile any hardware and/or software of the Pagamio System.
  3. You must ensure that such promotional or advertising material as may be provided by Pagamio from time to time to you, is always displayed in accordance with the directions and requirements of Pagamio.
  4. You must ensure that any promotional or advertising material or collateral relating to cellular networks which you wish to design and/or produce and/or use, shall be approved of by Pagamio prior to publication and circulation.
  5. You may not use the Pagamio trademarks, trade names, logo`s or any derivative or component thereof without prior approval of Pagamio.

11. Your personal information You consent to:

  1. The processing of your personal information by us and other companies in the Pepkor group, any of its operators, commercial partners, agents and sub-contractors (who may be outside South Africa) on the condition that they will keep such information confidential;
  2. The collection of your personal information from any other source to supplement the personal information which we have about you;
  3. The retention by us of your personal information for as long as permitted for legal, regulatory, fraud prevention and marketing purposes;
  4. Us using your personal information to send you information about products, services, and special offers of the various companies in the Pepkor group and commercial partners that may be of interest or value to you;
  5. Us conducting a credit enquiry about you with any credit bureau or credit provider and providing your personal information, including the manner in which you conduct your account, to:
  6. Credit risk management services (including credit bureaux); and/or
  7. Crime prevention agencies.
  8. Subject to applicable law, you may access the personal information Pagamio has about you by contacting our call centre and request that applicable corrections be made.

12. Confidentiality

  1. All information identified by Pagamio as confidential or which, you should reasonably identify as confidential, including business, commercial (discounts etc), end-user, scientific or technical information, as well as any price list whether current or not, received by or made available to you pursuant to your relationship with Pagamio, shall be regarded by you as confidential and shall be treated accordingly and not be disclosed to third parties, or used for any purpose other than that for which it was disclosed, without the prior written consent of Pagamio.
  2. In particular, you shall not directly or indirectly communicate any information regarding or relating to an end-user to any third party other than in the compliance with the obligations of these terms and conditions or as may be required in law, from time to time.
  3. The provisions of this clause 12 shall survive any termination of our relationship with you.

13. Termination and suspension

  1. We are entitled to cancel, terminate or suspend your use of the Pagamio System in respect of all transactions or selected types of transactions immediately, or any combination of these actions, as may be permissible in law, without prejudice to any of our other rights (that is, without barring or limiting any future action), if:
  2. We have reason to believe that the Pagamio System has been or is likely to be misused;
  3. Suspect any illegal use of the Pagamio System and/or its functionalities;
  4. You gave false or inaccurate information;
  5. You fail and/or refuse to follow our User Guide, Quick Start Guide or RICA Document or other instructions;
  6. You are in breach of these terms and conditions or the provisions of any other agreement between us;
  7. Law forces us;
  8. If we need to protect our interest; or
  9. If we have reason to believe that your conduct may result in adverse outcomes for any policy holders who pay their insurance premiums via the Pagamio System.
  10. We reserve the right to terminate or suspend your access to the Pagamio System upon notice, without any liability to you or any third party.
  11. You may also terminate your relationship with us with immediate effect upon notice to us.
  12. Upon termination you will not be entitled to redeem your prepayment or any balance thereof in cash but will be allowed to purchase airtime until the prepayment is depleted.

14. Limitation of liability and indemnity

  1. ‍‍We will not be liable to you if we cannot carry out our responsibilities under these terms and conditions as a result of anything that we cannot reasonably control. This includes, but is not limited to, any technical problems relating to cellular networks.
  2. We will not in any circumstances be liable for any consequential or indirect losses however these may arise or for any other unusual losses. In particular, Pagamio shall not be liable for any financial loss, loss of business, profit, savings, revenue, or goodwill suffered or sustained by you howsoever arising.
  3. We will not be liable for any claims, loss or damage resulting from claims that products or services are defective where we act as agent for the supplier thereof.
  4. You indemnify Pagamio against any loss suffered by it, whether direct or consequential, or claims instituted against Pagamio by virtue of your use of the Pagamio System.

15. General

  1. ‍‍You are not, without the consent of Pagamio, entitled to cede, delegate or sub-license all or any of its rights and/or obligations in terms of your contractual relationship with Pagamio to any third party. Pagamio shall not be bound by such a provision and you hereby expressly consent to any such cession and/or delegation of rights and/or obligations by Pagamio.
  2. No indulgence, leniency or extension of time which Pagamio may grant or show to you shall in any way prejudice Pagamio or preclude Pagamio from exercising any of its rights in the future.
  3. No contract varying, adding to, deleting from or cancelling this product schedule, and no waiver of any right, shall be effective unless reduced to writing and signed by Pagamio.
  4. Pagamio shall not be bound by any representation, express or implied term, warranty, promise or the like not recorded herein or in the RICA Document.
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