Introduction
These Terms and Conditions ('Terms') contained herein on this page is a legal agreement between you, as a prospective customer and or customer of Pro Trust GC Services and Pro Trust (ProTrust, 'we', 'our' or 'us') and shall govern your access to and use of all Pro Trust’s services which include all pages within the Pro Trust website, mobile applications and other products and services (collectively referred to as the 'Services').
These Terms apply in full force and effect to your use of the Services and by using any of the Services, you expressly accept all terms and conditions contained herein in full and without limitation or qualification, including our Privacy Policy. You must not use any of the Services, if you have any objection to any of these Terms.
Business Summary and Who We Are
By agreeing to these terms, you automatically become a member of the Professional Trust Multipurpose Cooperative Limited and shall be bound by additional relevant Terms and Conditions with respect to Cooperative Laws. Our registered office is at 2nd Floor, office number 53 and 54, Georgewill and Frances Plaza, Choba, Port Harcourt. PLEASE READ AND UNDERSTAND THE TERMS OF AGREEMENT CAREFULLY BEFORE AGREEING TO BE BOUND BY ITS TERMS.
Applicable and Governing Language
The governing language of these terms and all communication between Pro Trust and you will be English and French language.
Who May Use Our Services?
You may use the Services only when you agree to form a binding contract with Pro Trust and are not a person barred from receiving services under the laws of the applicable jurisdiction. If you are accepting these Terms and use the Services on behalf of a company, business, or organization, you represent and warrant that you are authorized to do so.
Opening Account
Opening a Pro Trust Account
To use Pro Trust, you are required to register and open a Pro Trust Account with us by providing the necessary information needed to process you for the use of this service which you agree to.
We offer Pro Trust accounts under the following classifications:
* Personal Online Accounts* Field Managers’ Accounts
* Virtual Managers’ Account
* Upgraded e-Thrift Accounts
To create a Personal Online Account, Field Manager’s Account, Virtual Manager’s Account or Upgraded e-Thrift Account, you must be at least 18 years old.
The stated Accounts Categories let you do things like:
* Sign up Customers and Conduct Pro Trust Business by signing up new members.
* Auto-Save by Setting a Mandate on your third party bank accounts.
* Receive Payments from Peers within the Pro Trust community and from Third Party Accounts.
* Withdraw Saved Funds.
* Conduct Peer to Peer transfers and transfers to Third party Bank Accounts.
* Initiate Vault (Locked) Save, and Save Direct Payments
To register, open and use a Pro Trust Account, you must sign up, create an account and provide necessary information including but not limited to your name, email address, mobile phone number, street address, company name, current image of yourself, etc. (hereinafter referred to as “Account Information”). You represent and warrant that all Account Information provided is true and accurate.
You hereby authorize Pro Trust, directly or through third parties, to make any inquiries we consider necessary to validate your identity and/or authenticate your identity and Account Information. This may include asking you for further information and/or documentation about your Account usage or identity, requiring you to take steps to confirm ownership of your email address, mobile phone number or financial instruments, or verifying your information against third party databases or through other sources.
In connection with your use of the Service, you may not refuse to (a) cooperate in an investigation concerning activity that potentially violates the law and/or the Service Terms, (b) provide confirmation of your identity, or (c) provide confirmation of any information you provide us. You agree that you are responsible for safeguarding your Pro Trust Account, so, use a strong password and a unique code as your transaction PIN and limit it to use on your Pro Trust Account. Do not allow anyone to have or use your password or transaction PIN details. In the event that you share such details, we cannot and will not be liable for any loss or damage arising from your failure to comply with the above.
Notifications
By providing us with your Account Information, you consent to receiving text (SMS), email and push notifications from us.
Link or Unlink Bank Details
At the point of A Personal Online Account, you are expected to input your business or personal bank account details. This is where all monies saved or paid on your behalf, through Pro Trust, is paid to. If this information changes, you are required to update it as Pro Trust will not be responsible for payments made to wrong bank account information.
Creating Personal Online Account , Saving Money and Receiving Payments on Your Pro Trust Account
Creating Personal Accounts
A Personal Online account holder can create as many Savings Account as possible to ensure seamless fulfillment of all savings needs. Funds collected at each CashPoint is also recorded on the Merchant Account’s dashboard and ultimately remitted to the Merchant via the Bank details provided at the point of registration.
Receiving Money
Using Pro Trust, you can save and receive payments from your customers through any of your Pro Trust Accounts. You can receive money from your customers or clients, even if they do not have a Pro Trust Account at the time of payment. They are simply required to pay by making a bank transfer to the bank details as specified on the Pro Trust App.
Closing a Pro Trust Account
You may close your Pro Trust Account and terminate your relationship with us without cost, but you will remain liable for all obligations related to your Pro Trust Account even after the Pro Trust Account is closed. Any incomplete transactions or transfers must be completed or cancelled, and you must transfer any Pro Trust balance from your Pro Trust Account before closing it. For Virtual Managers and Field Managers you are obliged to outrightly discontinue communication or any form of entitlement(s) regarding previous relationships with customers or members of our community.
In certain cases, you may not close your Pro Trust Account, including:
* To evade an investigation.* If you have a pending transaction or an open dispute or claim.
* If you owe amounts to us.
* If your Pro Trust Account is subject to a hold, limitation or reserve.
We may suspend or terminate your account or cease to provide you with all or part of the services at any time, including but not limited to, if we reasonably believe; (i) you do not comply with any of the provisions of this Agreement, (ii) you create risk or possible legal exposure to us, (iii) we are required by law to do so, and (iv) you have engaged in fraudulent or suspicious transactions.
Bank Transfer Reviews
We review account and transaction activity at various times, including when bank transfers are initiated by you to 3rd parties. This review checks for, among other things, suspicious or illegal activity, and whether your account activity and the activity of users with whom you've transacted comply with this agreement. In connection with our review process, you may be required to provide us with additional information and/or documentation to verify your identity. We may limit your account and your access to money in it or that is sent to you until verification is completed.
Reviews may result in:
* Delayed, blocked or cancelled transfers;* Money or payments being held by us;
* Money or payments being applied to amounts you owe to us or used to offset loss incurred by us;
* Account limitation, suspension or termination;
* Money or payments being seized to comply with a court order, warrant or other legal process; and/or
* Money or payments you previously received being reversed (i.e. sent back to the sender or to the card or bank account that was used to fund the payment).
Among other reasons, we may take the above actions if you knowingly or unknowingly were a participant in a payment that was made from a stolen card, compromised bank account, or compromised Pro Trust Account.
Publicity
You grant Pro Trust permission to use your name and image in our marketing material without any further consent required, including, but not limited to use on our website, in promotional materials and in press releases. Such publicity does not in any way imply an endorsement for your products services, or personality.
Refunds and Reversals
Payments may be invalidated and reversed by us if, among other reasons, a user sent the payment to you in error, the funding transaction is declined or reversed, the payment was unauthorized or unfunded, or if the payment was for activities that violated these Terms or any other agreement with us.
As the recipient of a payment that is later invalidated for any reason, you may be liable to us for the full amount of the payment and we may recover the amount of the payment (plus any fees) from you. We may recover the amount of the payment from either the sender or the recipient of an invalidated payment in our discretion (subject to applicable law).
When recovering the amount of an invalidated payment from you, we may apply any money sent to you on Pro Trust, request that you add money to your account for the amount of the payment and apply that money to amounts owed, and/or we may:
• Engage in collection efforts to recover such amounts from you;• Place a limitation or take other action on your Pro Trust Account;
If you believe that a transaction initiated with your VPay account was not authorized, then you must notify us immediately.
RESTRICTED ACTIVITIES
In connection with your use of our websites, your Pro Trust Account or in the course of your interactions with us, other customers, or third parties, you must not:
* Breach the Terms between you and us;* Violate any law, statute, ordinance, or regulations;
* Infringe our or any third party's copyright, patent, trademark, trade secret or other intellectual property rights, or rights of publicity or privacy;
* Create or control more than one personal account for yourself by fraudulent means, through among other methods, using a name that is not yours, using a temporary email address or phone number, or providing any other falsified personal information;
* Act in a manner that is defamatory, trade libelous, threatening or harassing;
* Provide false, inaccurate or misleading information;
* Send or receive what we reasonably believe to be potentially fraudulent money or payments for advertising, marketing, or otherwise on an unsolicited and unauthorized basis;
* Refuse to cooperate in an investigation or provide confirmation of your identity or any information you provide to us;
* Control an account that is linked to another Pro Trust Account that has engaged in any of these restricted activities;
* Use the Pro Trust services in a manner that results in or may result in:
* Complaints;
* Disputes; claims, reversals, chargebacks, Fees, fines, penalties or other liability or losses to Pro Trust, other customers, third parties or you;
* Use your Pro Trust Account in a manner that we, Visa, Mastercard, NIBSS or any other electronic funds transfer network reasonably believes to be an abuse of the transfer system or a violation of network rules;
* Have any amounts owed to us;
* Take any action that imposes an unreasonable or disproportionately large load on our websites, software, systems (including any networks and servers used to provide any of the services) operated by us or on our behalf;
* Facilitate any viruses, trojan horses, malware, worms or other computer programming routines that attempts to or may damage, disrupt, corrupt, misuse, detrimentally interfere with, surreptitiously intercept or expropriate, or gain unauthorized access to any system, data or information;
* Use an anonymizing proxy; use any robot, spider, other automatic device, or manual process to monitor or copy our websites without our prior written permission;
* Interfere or disrupt or attempt to interfere with or disrupt our websites, software, systems (including any networks and servers used to provide any of the VPay services) operated by us or on our behalf;
* Take any action that may cause us to lose any of the services from our Internet service providers, payment processors, or other suppliers or service providers;
* Circumvent any of our policies or determinations about your Pro Trust Account such as temporary or indefinite suspensions or other account holds, limitations or restrictions, including, but not limited to, engaging in the following actions: attempting to open new or additional Pro Trust Account(s) when you have amounts owed to us or when your Pro Trust Account has been restricted, suspended or otherwise limited; opening new or additional Pro Trust Accounts using information that is not your own (e.g. name, address, email address, etc.); or using someone else's Pro Trust Account; or
* Harass and/or threaten our employees, Field Managers, or other users.
Actions We May Take if You Engage in Any Restricted Activities
If we believe that you've engaged in any of these activities, we may take a number of actions to protect ourselves, our customers and others at any time in our sole discretion. The actions we make take include, but are not limited to, the following:
* Terminate your agreement with us, limit your Pro Trust Account, and/or close or suspend your Pro Trust Account immediately and without penalty to us;* Refuse to provide the VPay services to you in the future;
* Limit your access to our websites, software, systems (including any networks and servers used to provide any of the Pro Trust services) operated by us or on our behalf, your Pro Trust Account, including limiting your ability to receive money or save with your Pro Trust Account or any linked debit card to your Pro Trust Account; or
* Take legal action against you.
* Recoup any lost funds from activities carried out;
If we close your Pro Trust Account or terminate your use of the Pro Trust services for any reason, we will provide you with notice of our actions and make any unrestricted money held in your Pro Trust Account or that has been sent to you available for bank transfers.
You are responsible for all reversals, chargebacks, claims, fees, fines, penalties and other liability incurred by us, any customer, or a third party caused by or arising out of your breach of their Terms, and/or your use of the Pro Trust services.
Age Restriction
Our website and services are directed to people from the ages of 18 and above. We do not knowingly engage in people younger than the age of 18.
Intellectual Property
Unless otherwise stated, Pro Trust and/or its licensors own the intellectual property rights and materials on the website subject to the license below. All text, formatting (including without limitation the arrangement of materials on the Pro Trust website and the graphics, animation, tools, commercials, music, video, articles, sound, copy, trade names, logos and other materials and information on the website are subject to the intellectual property rights of Pro Trust and its affiliates and their licensors and licensees (collectively the 'Content'). We do not grant you any right, license, title or interest to any of our intellectual Property rights which you may or may not have access to. These Content may not be copied, reverse engineered, decompiled, disassembled, modified or reposted to other websites. Nothing on the Pro Trust site should be construed as granting by implication or otherwise, any license or right to use any Trademark displayed on the Pro Trust website without the written permission of Pro Trust or such third party that may own the Trademark. You agree to take such actions including any legal or official document or other documents that may be needed to further affirm our 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 you to use in connection with our services.
You may not:
* Modify or copy the materials;* Use the materials for any commercial purpose, or for any public display (commercial or non-commercial);
* Remove any copyright or other proprietary notations from the materials; or
* Transfer the materials to another person or 'mirror' the materials on any other server.
This license shall automatically terminate if you violate any of these restrictions and may be terminated by Pro Trust at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.
The services are protected by copyright, trademark, and other laws of both the Federal Republic of Nigeria and foreign countries. Nothing in this Term gives you a right to use the Pro Trust Name or any of Pro Trust’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 Pro Trust and its licensors.
If you do not comply with all the provisions, then you will be liable for all resulting damages suffered by you, Pro Trust 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 suggestion as we see fit without any obligation to you.
Termination
You may terminate this Agreement by closing your Pro Trust Account.
We may suspend or terminate your account or cease providing you with all or part of the services at any time, including but not limited to, if we reasonably believe; (i) you do not comply with any of the provisions of this Agreement, (ii) you create risk or possible legal exposure to us, (iii) we are required by law to do so, (iv) you have engaged in fraudulent or suspicious transactions