Terms and Conditions of Use

Please read these Terms of Use carefully before using the Quickteller Citimart Site (“Site”) provided by Interswitch Limited (Interswitch/We/Us). Users who are under 18 years of age should review these terms and conditions with a parent or guardian.

Your access to and use of the Site by way of any computer (personal or otherwise), mobile phone, tablet or other electronic device is conditioned on your acceptance of and compliance with the provisions of this Terms of Use.

By your accessing or using the Site you agree to be bound by these Terms of Use as amended at any time and posted on the website www.retail.quickteller.com/shop . If you disagree with any part hereof, do not access the Site.

In addition, your use of the Site shall be subject to any applicable regulatory guidelines or rules. All such guidelines or rules are hereby incorporated by reference into the Terms of Use.

                1.      DESCRIPTION OF THE QUICKTELLER CITIMART SITE

                        An online marketplace for convenient purchase, payment and delivery of goods and services from specific Merchants.

                        2.      ONE TIME PASSWORD (OTP)

                       The Site uses a two-factor authentication software for fraud, risk and compliance monitoring, known as Safetoken. Safetoken generates a 6-8 digit                         One-Time-Password (OTP) whenever a transaction is initiated via the Site. To learn more about Safetoken please click on our FAQ.

                        3.      FAILED TRANSACTIONS AND REVERSALS

                        In the event of a failed transaction (i.e. user has been debited for transaction, but value was not received), please log the issue with the following                         details on https://help.interswitchgroup.com/ for resolution: user’s mobile number, transaction amount, transaction date, transaction type and any                          other detail we would request to enable us to resolve your complaint.  We shall use our best endeavors to liaise with the applicable financial                                   institution, telecommunication company and/or merchant to reverse the said sum as soon as possible.
                4.     NOTICES

                        Your email address and phone number supplied at sign-up will be used as a means of communicating information, notices and documents to you.                          Any changes to such information should be logged as a ticket on https://help.interswitchgroup.com/.

                        5.      REFUND

        5.1 Refunds shall be made to the bank account communicated to us in the refund request form, subject to your fulfilling the appropriate requirements.

            5.2. Refunds will be processed within 5 to 15 business days from the date the disputed transaction was properly reported/logged.

            5.3. You shall be refunded the transaction amount, less bank charges.

            5.4. Items can only be returned for a refund to be processed or for the item to be replaced, if:

            a.      The item is damaged on delivery; or

            b.      The wrong item was delivered.  Provided the item is rejected on delivery and immediately returned through the delivery dispatch

                                For the avoidance, an item will not be eligible for a refund or replacement if you accept the item from the delivery dispatch. Hence it is your                                 responsibility to verify the content is as it should be.

                6.      ORDER PACKAGING

Items may be re-bagged by Interswitch and may not arrive in the original merchant boxes/packaging.

                7.      FAULT PROCESSING

In the event of a complaint relating to your purchase, please log your complaint by sending the following details to  https://help.interswitchgroup.com/:

a.      details of the item you purchased,

b.      your mobile number,

c.      your username (if any); and

d.      summary of the complaint.

This is to enable us process and resolve your complaint.

     8.      PAYMENTS AND PROCESSING

        8.1   An order will only be processed after payment has been made and confirmed by Interswitch.

      8.2   Our standard delivery timelines, come into effect immediately the order has been confirmed. An email shall be sent to you confirming your     order, or providing additional information where necessary, if additional fees apply.

        8.3   Our standard delivery timelines apply, please refer to the FAQ.

                       9.      SECURITY AND UNAUTHORISED USE

        9.1   You are responsible for all transactions conducted using your device, payment card or account. It is your responsibility to keep these secure.

        9.2   All passwords must be kept secret. You are liable for all activities undertaken using your username, associated password or Device. You are responsible for maintaining the confidentiality of all Account information and keeping your Device from unauthorized use.

        9.3   We accept no liability for any unauthorized use of your Device, payment card or account or any effects of same.

      9.4   In the event your Device has been stolen or there is an unauthorized access to your payment card or account, it is your responsibility to immediately notify your bank to restrict transactions on your card and account.

     9.5   In the event your Device has been stolen or there is an unauthorized access to your Quickteller account, it is your responsibility to immediately log as a ticket on https://help.interswitchgroup.com/.

        9.6   If you dispute any purchase or withdrawal on your card or account, you will be required to prove that the transaction was effected without your authorization and such transaction will be investigated by our Fraud Team once we receive a logged ticket on https://help.interswitchgroup.com/.

                 10.   SUSPENSION OF ACCESS TO SITE

         10.1   We hereby reserve the right to suspend, restrict, or terminate your access to the Site (in whole or in part) without any notice or liability in the following circumstances:

a.        Upon receipt of instructions from you to suspend or terminate your access to the Site.

b.      Upon receipt of notification from you that your Device has been lost or stolen.

c.      If we suspect the Site is being used for fraudulent or other illegal activities.

d.      If we are of the opinion that you have breached a provision contained in this Terms of Use.

e.      If we are of the opinion that continued access to the Site will be detrimental to our business.

f.        If you provide any information that is untrue, inaccurate, not current or incomplete, or if we have reasonable grounds to suspect that such information is untrue, inaccurate, not current, or incomplete.

11.   UNACCEPTABLE USE

            11.1 You shall not and shall not permit any person using your Device or account to:

a.      use this Site in a way that causes or could cause damage or restrict the availability or accessibility of the Site;  

b.      store, copy, transmit, publish or distribute any computer virus, spyware, Trojan horse, worm, keystroke logger or other malicious software via the Site; and/or 

c.      conduct any fraudulent or illegal activities via the Site

12.   PRIVACY STATEMENT

        12.1    You acknowledge that by your use of the Site, we shall be privy to and store some of your personal information (full name, mobile phone number and email address).

         12.2   We shall use our best endeavors to ensure that your personal information is secure on our systems.

         12.3   We may use your personal information for:

a.      providing you the service, processing transactions and sending you related information;

b.      providing, maintaining and improving our services;

c.      sending support and administrative messages to you;

d.      responding to your enquiries and requests;

e.      providing customer service;

f.        updating you on products, services, promotions, rewards, and events offered by us and third parties; and

g.      a better understanding of your needs by combining it with information collected from others with the objective of improving on our service delivery.

                        12.4   We may disclose any information we collect about you to third parties as set forth below:

a.      to regulatory bodies;

b.      to financial institutions;

c.       to companies, such as email service providers that perform marketing services on our behalf;

d.      to third parties to enable us to provide the service to you; and

e.      if required to be disclosed under applicable law, or stock exchange regulation or by a governmental order, decree, regulation or rule or by a court order.

            12.5   You hereby consent to the processing and transfer of your information during and after the use of the Site.

            12.6   By your accessing or using the Site, you are consenting to our full Privacy PolicyPlease note, in case you choose to withdraw your            consent at any given point in time, we shall not be under any obligation to provide the service to you. 

13.    USER SUBMISSIONS

           13.1   Anything you post, upload, share, store, or otherwise provide through the Site or any associated portal or platform is a "User Submission." User Submissions may include suggestions, comments, ideas, improvements, or other feedback or materials, and may be viewable by other users.

            13.2  For all User Submissions, you hereby grant Interswitch a royalty-free, perpetual, non-exclusive, transferable, sub licensable, worldwide license to use, store, display, reproduce, save, modify, create derivative works, perform, distribute, translate or otherwise act with respect to such User Submissions as we determine is necessary to modify, operate, market and advertise the Services or create other works.

        13.3    If you choose to submit User Submissions, Interswitch will consider such Submissions to be non-confidential and non-proprietary. Interswitch shall have no obligations concerning the User Submissions, and Interswitch will be free to use, disclose, reproduce, modify, license, transfer and otherwise distribute, and exploit the User Submissions in any manner, without any restriction or compensation to you.

14.    RATINGS, REVIEWS AND ANOTHER USER FEEDBACK

    Ratings and reviews and photos, videos or other content about items on the Site ("Feedback") generated by users on our Services    are User Submissions that are not endorsed by Interswitch and do not represent the views of Interswitch. Interswitch does not     assume liability for Feedback or for any claims for economic loss resulting from such ratings and reviews. Because we expect users     to maintain a high level of integrity with respect to ratings and reviews posted through the Services, you agree: (i) to base any rating    or review you post only on your first-hand experience with the applicable, product, or service; (ii) you will not provide a rating or     review for any product, or service with respect to which you have a competitive, ownership or other economic interest, employment     relationship or other affiliation; (iii) you will prominently indicate if your review was sponsored or paid for in any way; and (iv) your     review will comply with these Terms. We reserve the right to exclude such Feedback for any reason or no reason, without notice to       you.

15.   THIRD PARTY SERVICE PROVIDER

   You acknowledge and accept that Interswitch is not the manufacturer or authorized dealer of any of the products on the Site. All    products on the Site are provided by  various third-party sellers and providers. Interswitch does not in any way endorse the products and     services, or warrants its merchantability, fitness for any particular purpose or use.

16.   INDEMNITY

        16.1   You agree to indemnify Interswitch, and its subsidiaries, affiliates, officers, agents and employees for any loss, damages, liabilities, sanction, claims, suits, fines, charges, expenses due to or arising out of any transaction you process through the Site.

        16.2   You agree to indemnify Interswitch limited and its subsidiaries, affiliates, officers, agents and employees for any loss, damages, liabilities, sanction, claims, suits, fines, charges, expenses arising from your violation of this Terms of Use.

17.   LIMITATION OF LIABILITY

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17.1 In no event shall we be liable for:

a.      unavailability of the Site at any time or your inability to use the Site.

b.      any form of delivery or failure thereof by a merchant listed on the Site.

c.      erroneous input of transaction details.

d.      any loss arising from any failure or delay in any mobile phone networks or internet service provider or defective Device.

e.      any special, indirect, incidental, punitive, or consequential damages, including loss of profits, however caused.

17.2        Under no circumstances shall it be implied that we endorse, sponsor, certify or otherwise guarantee the sale or use of any merchant’s products and/services listed on the Site. Use and/or purchase of same shall be at your own risk.

17.3        WE SHALL USE OUR BEST ENDEAVOURS TO ENSURE THE SITE FUNCTIONS OPTIMALLY AT ALL TIMES AND OUR SYSTEMS ARE FREE FROM VIRUSES, HOWEVER WE CANNOT ENSURE SUCH EXCLUSION AND NO LIABILITY IS ACCEPTED FOR SAME. HENCE IT IS RECOMMENDED YOU PUT IN PLACE YOUR OWN SECURITY MEASURES. WE DO NOT WARRANT THAT THE OPERATION OF THE SITE WILL BE UNINTERRUPTED NOR ERROR FREE, NOR WILL IT BE 100% FRAUD OR FAIL PROOF.WE ARE PROVIDING THE SERVICE “AS IS” WITHOUT ANY EXPRESS OR IMPLIED REPRESENTATIONS OR WARRANTIES WITH RESPECT TO THE SERVICES OR ITS CONDITION, TIMELINESS, MERCHANTABILITY, FITNESS FOR ANY PARTICULAR PURPOSE OR USE BY YOU. WE DO NOT ACCEPT RESPONSIBILITY FOR THE DELETION OR FAILURE TO STORE ANY USER COMMUNICATION, ACTIONS, CONTENT, INFORMATION, OR DATA OF THIRD PARTIES, AND YOU RELEASE US, OUR DIRECTORS, OFFICERS, EMPLOYEES, AND AGENTS FROM ANY CLAIMS AND DAMAGES, KNOWN AND UNKNOWN, ARISING OUT OF OR IN ANY WAY CONNECTED WITH ANY CLAIM YOU HAVE IN THIS REGARD.

17.4      Interswitch does not warrant that the Site; information, content, materials, product (including software) or services included on or otherwise made available to you through the Site; Interswitch’s servers; or electronic communication sent from Interswitch are free of viruses or other harmful components.

17.5     Interswitch shall not be liable for any special, indirect, Incidental, punitive, or consequential damages, including loss of profits howsoever caused, including such damages, without limitation, as damages arising from loss of revenue or profits, failure to realize savings or other benefits, damage to equipment, and claims against the User by any third person, even if Interswitch has been advised of the possibility of such damages.

17.6  Notwithstanding any other provision of this Terms of Use, the aggregate liability of Interswitch for default resulting in loss to the User whether under contract law, tort law, warranty or otherwise shall in no event exceed the transaction sum that was paid by the User to Interswitch for the product or service that is the subject matter of the claim.  

MISCELLANEOUS PROVISIONS

18.   We reserve the right to terminate, change, suspend or discontinue any aspect of the Site at any time and without notice.

19.   We reserve the right to amend these Terms of Use at any time and at our sole discretion. We shall give you notice of such amendment by publication of the amended version via the Site. Your continued access to and use of the Service is your acceptance of and compliance with the updated Terms of Use. If you disagree with any part of hereof, do not access the Site. 

20.   As a condition of your access to and use of the Sites or Services, you agree that you will comply with all applicable laws and regulations when accessing or using the Sites or Service.

21.   While the information contained within the Site is periodically updated, no guarantee is given that the information provided in this Site is correct, complete, and up-to-date.

22.   You may receive promotional emails from the Site. You can subsequently opt out of receiving such promotional e-mails by clicking on the link at the bottom of any promotional email.
 

23.   You are responsible for your connection to the mobile phone networks, the Internet and all costs associated with these connections.
 

24.   All copyright, trademarks and other intellectual property rights used as part of our services or contained on the Site belong to us or its licensors. Nothing set forth in this Terms of Use shall constitute a transfer, license or assignment by us to you of any Intellectual Property Rights owned by us or displayed on the Site.

25.   If any provision of this Terms of Use is declared unlawful and/or unenforceable by operation of law, any court or authority, such provision be severed from this Terms of Use and rendered ineffective so far as is possible without modifying the remaining provisions of this Agreement.

26.   You agree that regardless of any provision of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Site or the Terms of Use must be filed within one (1) year after such claim or cause of action arose or be forever barred and extinguished.
 

27.   You acknowledge and agree that this Terms of Use be interpreted and enforced in accordance with the laws of the Federal Republic of Nigeria.

28.   The Parties shall use their best efforts to amicably settle all disputes arising out of or in connection with the performance or interpretation of this Terms of Use. Any dispute or differences arising out of the construction, interpretation or performance of the obligations created under this relationship which cannot be settled amicably within one (1) month after receipt by a party of the other party's request for such amicable settlement shall be submitted to a Court of competent jurisdiction in the Federal Republic of Nigeria.