In these terms, the following definitions shall apply:

“Content" means any content, writing, images, audiovisual content or other information published on the Platform.

"Materials" means any materials, information or documentation that we may provide to you in connection with your use of the Products including documentation, data, information developed any use and other materials which may assist in your use of the Service.

"Parties" means you and Raxipay.

"Products or Service" means the Platform including all pages, subpages, blogs, forums and other connected internet content whatsoever, bill payments, data vending, Cash Cards, airtime vending, virtual  cards, money transfer and any other service that may be provided by Raxipay.

You also acknowledge that you are responsible for the security of your personal information and that the Callphone does not accept liability for the security of your account as you agree to be responsible for maintaining the confidentiality of your passwords or other account identifiers which you choose and all activities under your account.

"Third Party Goods/Services" means goods, products and services of the third party that may be advertised on the Platform.

“URL” means Uniform Resource Locator.

Creating an account

To create account users provide MSISDN and basic KYC details(name, address, phone number, email address and BVN when neccessary) and creates a unique password that enables users to gain access to their accounts.

Safety of account details

You are be required to register with us to have access to our Service.

You will be required to provide certain personal information, which includes but not limited to your name, user name, email address and password. The information provided must be correct and accurate.

Your account details must not be disseminated to anyone and when you discover that your information has been compromised, you agree to notify us immediately.

If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. you must not disclose it to any third party.

We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these Terms.

You also acknowledge that you are responsible for the security of your personal information and that Raxipay does not accept liability for the security of your account as you agree to be responsible for maintaining the confidentiality of your passwords or other account identifiers which you choose and all activities under your account.

Raxi reserves the right to terminate your account where you have provided false inaccurate or incorrect information.

Intellectual property

We are the owners or the licensee of all intellectual property rights in our Platform, and in the material published on it. Those works are protected by intellectual property laws. All such rights are reserved.

You are granted a limited license only, subject to the restrictions provided in these Terms.

You must not use any part of the Content on our Platform for commercial purposes without obtaining a license to do so from us or our licensors.

You agree that we retain ownership of all Content included on the Platform (text,graphics, video, software, data, page layout, images, and any other information capable of being stored in a computer) other than the contents uploaded by users.

Nothing on this Platform shall be construed as granting any license or right to use any trademark or logo displayed on the Platform without obtaining the prior written consent of Callphone.

You hereby agree not to reproduce or distribute Raxi's intellectual property or use the intellectual property for any unlawful purpose.