Terms of
Service

Welcome to HoneePay Money and Money Transfer from Planet Honey Limited, Nigeria and Shield Ride LLC, USA (collectively, “HONEEPAY” or “we” or “us”). We provide our U.S. consumers with the following money remittance products and services (collectively, the “Services”):

• International Money Transfer, which allows U.S. consumers to send money to people in certain international countries (“Money Transfer”); and
• Domestic Bill Pay, which allows U.S. consumers to send money and pay a phone, utility, cable or other bill issued by U.S. biller (“DBP”).

The HoneePay service, website and/or software application (collectively, the "Service") enables you to transfer funds between your mobile money wallet and your bank account, as well as to the wallet/account of another user. It also enables you, through your supported mobile money wallet, account or debit/credit card, to pay for products and services offered by third parties ("Products"); as well as any other innovative payment offering that we may offer in the future. The Service is operated by Planet Honey Limited, Nigeria and Shield Ride LLC, USA ("HoneePay"), subject to these Terms of Service ("Terms").

Some or all of the Services can be accessed through our website at www.HoneePay.com (the “Website”), at our authorized retailers and via your mobile device through our HoneePay Money (collectively, the “App”).

Please read these terms of use carefully as this is a legal agreement between you and HONEEPAY governing your purchase and use of the Services, as well as your use of the Website. By purchasing or using any of the Services or accessing the Website or a Service through the App you acknowledge and agree that you have read, understood and have agreed to be bound by these terms of use (collectively, the “User Agreement”). If you have any questions about the User Agreement, you should consult your own lawyer before you purchase or use a Service.

The following terms are incorporated into this User Agreement and form a part of this User Agreement:

• our Privacy Statement, which can be found at www.HoneePay.com/;
• our Terms and Conditions, which can be found at www.HoneePay.com/terms;
• any license you are required to agree to in order to download, install and use the App;
• any other terms and conditions for a particular Service that are posted on the Website or in the App, including any price or charge for any Service; and
• any disclosures, limitations or other information provided with, or printed on, any materials associated with the Services.

HONEEPAY reserves the right to update or revise this User Agreement at any time. Please check the User Agreement and the Website or App periodically for changes. Your continued use of a Service or the Website following the posting of any changes constitutes acceptance of those changes.

If you do not agree with the terms of this User Agreement, then you should not purchase or use any of the Services or access the Website or a Service through the App. If there is any conflict between the terms of this User Agreement and the terms contained on the Website, in the App or in any materials regarding any of the Services, then the terms of this User Agreement will control.

This User Agreement governs your purchase and use of a Service whether you purchased the Service at a retailer location, online at the Website or through the App.

HONEEPAY or its affiliates may offer other products or services on the Website or through the App and those other products and services are subject to different terms and conditions, which can be found on the Website or in the App, respectively.

2.1 Member Profile. In order to purchase and use any of the Services, whether from the Website, in the App or at an authorized retail location, you must create a Member Profile (“Member Profile”). Your Member Profile must contain your name, email address and mobile number. If you purchase any of the Services from the Website or the App, you will be required to choose a password for your Member Profile and HONEEPAY will verify your email address.

You will be given the option of receiving a unique PIN for purposes of reusing your account. You are responsible for keeping your PIN secure at all times, without reservation. For the avoidance of doubt, HoneePay will not be responsible when/where you compromise your details by disclosing it to third parties and you are liable for all transactions initiated using your account/wallet even if not authorized by you or if done in error.

2.2 Personal Information and Privacy.

A. Information About You. You agree and confirm that the personal information that you provide to us shall be accurate, current and complete in all respects. You agree to promptly update such information to keep it accurate, current and complete. You give us permission to verify all information you provide, including your email address and credit or debit card information. HONEEPAY reserves the right to suspend or terminate your Services if any information provided to us proves to be inaccurate, not current or incomplete.

B. Information You Provide. You may provide your name, email address and phone number to us to use the Services. From time to time, HONEEPAY may request information from you for the purpose of supplying Services to you. You may provide us personal information about the beneficiary of a Service you use and you confirm that you are authorized to provide that information to us. You may provide us with information related to your use of our Services and how to contact you so we can provide you customer support.

C. Other Information We Collect. We collect service-related, diagnostic, and performance information. This includes information about your activity (such as how you use our Services, how you interact with others using our Services), log files, and diagnostic, crash, website, and performance logs and reports. You agree that HONEEPAY may collect from you and use technical data and related information, including but not limited to, information about your phone, system and application software that is gathered periodically to facilitate the provision of the Services.

D. How We Use Information. By using a Service you acknowledge that we may use, share and/or disclose your information with our affiliates (both in and outside the United States) and to select third parties for general, operational and administrative purposes. We use and share all the information we have to help us operate, provide, improve, understand, customize, support, and market our Services. You share your information as you use and communicate through our Services, and we share this information with our affiliates and certain third parties to help us operate, provide, improve, understand, customize, support, and market our Services. When we share information with third-party providers, we require them to use your information in accordance with our instructions and terms or with express permission from you. You should also note that our communications with you, including phone conversations and emails, may be monitored and recorded by us for quality assurance or for legal, regulatory or training purposes. We may contact you during and after the term of your relationship with us in order to administer, evaluate and maintain any Service.

E. Privacy Statement. Any personal data collected shall be subject to the terms of our Privacy Statement, which can be found at www.HoneePay.com/privacy.

Shield Ride LLC and Planet Honey Limited is a licensed money transmitter and is the provider of the Services in all states. HONEEPAY is the provider of the Services in the State of Texas and is licensed as a Money Transmitter by the Financial Crimes Enforcement Network (FINCEN). Certain Services may not be available in all jurisdictions.

4.1 General. U.S. consumers (i.e., senders) can send money to an individual recipient in certain foreign countries.

4.2 Transfer Amount and Payment. You can purchase Money Transfer services at participating authorized retailers, on line at the Website and through the App. The minimum transfer amount per transaction is $1, and the maximum transfer amount per transaction is $5,000 (exceptions apply). The maximum transfer amount to any destination is set by HONEEPAY and its payers, and there are exceptions to the listed maximum amount based on the destination, payor network and payment method. Your payment must be made in cash, by credit or debit card or by bank account debit (or any other form accepted by HONEEPAY) and in U.S. dollars. The total due is payable before HONEEPAY processes the transaction. If applicable, you authorize us to access, charge, or debit funds from any payment instrument provided in connection with your Money Transfer transaction (a “Payment Instrument”) including, for example, your credit card, debit card or bank account. Not all Payment Instruments are available at all times. You represent and warrant that you are the lawful owner of your Payment Instrument. HONEEPAY is not responsible for any fees or charges that may be imposed by the financial institution associated with your Payment Instrument. HONEEPAY may charge a fee for certain types of Payment Instruments to cover its costs in accepting a specific Payment Instrument or any fees or charges imposed by the financial institution associated with a specific Payment Instrument. HONEEPAY may evaluate the reasonableness of your stated source of funds with respect to any proposed transfer. We do not waive our right to collect the full amount due if your form of payment is cancelled, disabled, discontinued or otherwise dishonored after your purchase.

4.3 Transfers. All Money Transfer transactions require the sender’s and the designated recipient’s full name, address and telephone number. In addition, to help the U.S. government fight the funding of terrorism and money laundering activities, U.S. law requires that we obtain, verify, and record information about you and your intended recipient. Accordingly, pursuant to applicable law and HONEEPAY’s policies, certain Money Transfer transactions require the sender to provide other information, including without limitation, personal information (such as social security number, occupation and place and date of birth), recipient information (such as place and date of birth), identification documentation (such as a driver’s license) and documents evidencing source of sender’s funds (such as copy of sender’s bank statement). Certain Money Transfer transactions may also require completion of certain governmental forms as required by applicable law or HONEEPAY’s policies. HONEEPAY reserves the right to request additional information and/or documents from the sender regardless of the amount to be transferred. HONEEPAY, in its sole discretion, may reject any Money Transfer transaction for any reason.

4.4 Transfer Fees. HONEEPAY charges a fee for each Money Transfer transaction. Fees may vary by sales channel and location based on a number of factors and are subject to change without prior notice. The amount of the fee for a particular transaction depends on the amount to be transferred, the payout country, the paying agent in the payout destination and the type of delivery service. You can find the fee for a transaction on the Website, in the App and at each authorized retailer. Certain destinations and/or payers may impose taxes, fees, and or tariffs upon the recipient’s receipt of, or access to, the funds transferred. You agree that by purchasing Money Transfer services following a change in the fees, you accept such changes. Transactions not picked up within 90 days of the send date will be assessed a nonrefundable administration charge of $2.50 per month from the send date, not to exceed the maximum permitted by law, which will be deducted from the amount sent.

4.5 Available In-Country Payers. The Website, the App and our authorized retailers have access to the names of the available payer(s) in each available foreign country. Available payers are subject to change without prior notice.

4.6 Currency Exchange. In addition to the transfer fees applicable to a Money Transfer transaction, a currency exchange rate may be applied. Your U.S. dollars will be converted to the applicable foreign currency of the payout country at an exchange rate set by HONEEPAY. HONEEPAY may make money when it exchanges your U.S. dollars as any difference between the exchange rate given to you and the exchange rate received by HONEEPAY will be kept by HONEEPAY (and its agents in some cases) in addition to the transfer fees. Subject to applicable law, the actual or estimated currency exchange rate applicable to your transaction will be provided to you on the written disclosures provided to you by HONEEPAY in connection with your transaction. Our authorized retailers can tell you the actual or estimated exchange rate for a transaction at the time of your purchase.

4.7 Delivery. The designated recipient will normally receive funds sent by you in cash. In some payout countries, funds may be credited to the recipient’s bank account or mobile money account. Available methods of money delivery vary by payout country and payer and include direct deposit at the recipient’s bank or mobile money account, cash pickup by the recipient and cash home delivery. Ask authorized retailers for specific payer methods available. HONEEPAY is not responsible for the loss, theft or unauthorized use of the amount transferred once it has been picked up, delivered or deposited. Recipients who choose to receive funds through a payout method or in a currency other than the one you selected may incur additional fees to access funds or may not be able to receive the funds. Certain countries and/or jurisdictions may impose a tax, fee and/or tariff on your transaction and or the receiver's receipt of, or access to, transferred funds. In some destinations, your designated recipient may be required to provide identification, a test question answer or both to receive funds in cash. Sender consents to receive purchase and delivery confirmation text messages and/or e-mails from HONEEPAY to sender’s mobile phone number or e-mail address provided (standard message and data rates may apply). Transferred funds are not insured.

4.8 Refunds and Errors. Subject to applicable law, you may cancel a Money Transfer transaction for a full refund of the principal amount and fees paid provided that the funds have not been picked up, delivered or deposited by the time HONEEPAY receives your cancellation request. To cancel a transaction and receive a refund (if permitted), you should contact the authorized retailer where you initiated the transaction, send us email at business@HoneePay.com, request a cancellation through the App, send a written request to the attention of HONEEPAY Customer Service. All refund requests must be made within 180 days of the date we promised you that the funds would be made available to the designated recipient. In addition, any transaction with a status of unpaid (i.e., not collected or paid to the beneficiary) for any reason after 30 days from the date of the transaction may be automatically cancelled and refunded. Requests for refunds due to error shall be investigated by HONEEPAY and HONEEPAY shall provide a response to the consumer when the investigation is completed. If no error is found or if the error was committed by you and the transaction is reversed, then you may be charged a fee for reversing the transaction. Refunds for cancelled transactions will not be made until HONEEPAY and its correspondent payer confirm that the funds have not been picked up, delivered or deposited. HONEEPAY and its agents rely on the information you provide to send money. Eligible refunds will be made within three to seven business days of an approved request to cancel a transaction or automatic cancellation upon confirmation of the network payer and/or availability of the sender. Please review all transaction details for accuracy before completing your transaction. Neither HONEEPAY, the authorized retailer nor the applicable payer is responsible for any error due to incorrect information supplied by the sender to process the Money Transfer transaction, except as provided by Regulation E, 12 C.F.R. Part 1005 (if applicable). If you used a Payment Instrument to pay for a Money Transfer transaction, then HONEEPAY will make every effort not to debit your Payment Instrument after it has received your request for cancellation. However, in some cases, HONEEPAY may have initiated an irreversible request for funds from your financial institution prior to receiving your request for cancellation. In such cases, your Payment Instrument may be debited even if you have cancelled your transaction, but HONEEPAY will refund your money usually within four business days after HONEEPAY has received the funds from your financial institution. Refunds will be credited to the same Payment Instrument used to pay for the transaction.

4.9 Specific Payer Terms. Each payer may have terms and conditions regarding Money Transfer transactions processed by it and the sender and recipient agree to be bound by those terms and conditions. In addition, each payer may require additional information about the sender and recipient, including without limitation, their full names, addresses, dates and places of birth. Payer terms and conditions may be more restrictive than these terms and HONEEPAY’s policies. HONEEPAY shall only be liable for the acts and omissions of a payer when that payer is acting on our behalf.

4.10 Access Limitations; Seizure. Access to Money Transfer products and services may be limited, delayed or unavailable during periods of peak demand, market volatility, system upgrades or maintenance, or communication system problems. Transfer of funds may be delayed or unavailable based on certain transaction conditions, including amount sent, destination country, currency availability, regulatory issues, identification requirements and retailer location hours. Money Transfer transactions that (i) exceed certain amounts; (ii) are made to certain destinations; (iii) implicate certain regulatory issues or consumer protection issues; or (iv) are sent through delayed options, may take longer, be subject to dollar limits or be subject to additional restrictions. Money Transfer transactions may be reported to applicable authorities. Pursuant to applicable law, HONEEPAY may be required to seize certain Money Transfer transaction funds and may not be able to release those funds until it receives approval from OFAC or EFCC or other applicable regulators. HONEEPAY may also seize funds if the sender owes HONEEPAY money due to prior fraudulent Money Transfer transactions.

4.11 Recurring Transactions. You can schedule a recurring Money Transfer transaction based on a previous completed transaction. The recipient, transfer amount, delivery method and payment method must be the same as the previous completed transaction. Recurring transactions can be set for weekly, bi-weekly or monthly. The day before a scheduled transaction you will receive a notification from HONEEPAY confirming the details of the upcoming transaction, and on the scheduled date your transfer will be submitted for processing. When scheduling a recurring transaction, note that you are choosing the day that the transaction will be processed. If you want the funds to be available for your recipient on certain day, be sure to allow for the processing or delivery time required by the in-country payer. Only VISA and Mastercard credit cards and debit cards can be used as payment methods for recurring transactions. Recurring transactions may not be changed or edited. If you need to change any details of a recurring transaction, you will need to cancel the recurring transaction and create a new one. Recurring transfers can be cancelled. Senders will be charged the transfer fee, and receive the exchange rate, in effect at the time the recurring transfer is processed.

4.12 HoneePay Money Wallet. HONEEPAY may offer the HoneePay Money Wallet (the “Wallet”) in certain select foreign countries. The Wallet is a secure digital wallet that is only accessible through the HoneePay Money App in those select countries. The Wallet allows the user to receive money sent through the HONEEPAY Money Transfer service, send money and receive money from other Wallets within the user’s home country (peer to peer transfers) and withdraw funds from the Wallet.

5.1 General. HONEEPAY offers U.S. consumers a U.S. domestic bill payment service whereby they can pay a phone, utility, cable or other bill issued by a U.S. biller (“DBP”). DBP was created to help our customers pay their bills and the bills for family and friends. We recommend that you use DBP only to pay bills for people you know personally. You should never use DBP to pay bills for strangers. DBP is offered only to individual residents of the United States. Additional eligibility requirements may apply to DBP users as specified in this Section 5.

5.2 Definitions.

“Agent”

is a retailer or other party that is authorized to sell DBP as an authorized delegate of HONEEPAY.

“Beneficiary”

is a person who is designated by the Sender at the time of the Transaction and on whose behalf the Sender is paying a bill issued by a Biller.

“Biller”

is a utility or other entity located in the United States that has issued a Billing Statement to a Beneficiary for certain goods or services and that receives the payment made by the Sender through DBP.

“Billing Statement”

is the statement or invoice sent by the Biller to the Beneficiary indicating, among other things, how much the Beneficiary owes and when payment is due.

“Due Date”

is the date reflected on a Billing Statement as to when payment by a Beneficiary is due. It does not include any grace or late period.

“Payout Amount”

is the amount paid to the Biller through DBP.

“Sender”

is a consumer located within the United States who uses DBP to send money and pay a bill issued by a Biller on behalf of a Beneficiary.

“Service Fee”

is the fee charged by HONEEPAY to each Sender to initiate and process a Transaction.

“Service Processors”

are the third party processors and aggregators that HONEEPAY contracts with to process a Transaction and make payment to the Billers.

“Transaction”

is a specific instruction from a Sender to pay a Billing Statement issued by a Biller on behalf of a Beneficiary through DBP. Transactions can be Expedited Transactions or Non-Expedited Transactions.

“Transaction Amount”

is the amount that the Sender pays to HONEEPAY to initiate and process a Transaction and includes the amount of the Billing Statement to be paid and any applicable Service Fee.

5.3 Licensed Provider. Shield Ride LLC and Planet Honey Limited is a licensed money transmitter. By requesting a Transaction, you authorize HONEEPAY to submit the Transaction on your behalf in accordance with your instructions, an offer we may accept or reject in our sole discretion. HONEEPAY is an independent contractor for all purposes, except if we act as your agent with respect to the custody of your funds.

5.4 Access Limitations and Restrictions. Access to DBP may be limited, delayed or unavailable during periods of peak demand, market volatility, system upgrades or maintenance, communication system problems, or circumstances beyond our reasonable control. In addition, DBP and the transfer of funds may be delayed or unavailable based on certain Transaction conditions, including amount sent, Biller, applicable Service Processor, regulatory issues, identification requirements and the Agent’s hours. Users of DBP acknowledge and agree that in no event shall HONEEPAY or our officers, directors, agents, employees and representatives be liable for any claims arising from or related to DBP caused by or arising out of any the aforementioned circumstances. HONEEPAY may, at any time and in our sole discretion, refuse any Transaction or limit the amount to be transferred (either on a per Transaction basis or an aggregated basis) for any reason without prior notice. We reserve the right at any time to modify or discontinue DBP (or any part thereof) with or without notice. The use of DBP to send funds to individuals or entities other than Billers is prohibited. If HONEEPAY discovers you are using DBP to purchase goods or pay for services other than payments made to Billers as specifically provided for by these terms, we may cancel your Transaction. You may not use DBP in violation of this User Agreement or applicable laws, rules or regulations. You must be at least 18 years old to use DBP as a Sender.

5.5 Billers. Each Biller may have terms and conditions regarding the payment of its Billing Statements, including error resolution, posting times and cutoff times which terms are subject to change at the discretion of the applicable Biller. The Sender and the Beneficiary agree to be bound by the applicable Biller’s terms and conditions. This User Agreement does not alter the Beneficiary’s liability or obligations that currently or in the future exist between the Beneficiary and a Biller. The Beneficiary is responsible for timely payment of all Billing Statements. We do not have control of, or liability for, any products or services that are paid for using DBP and HONEEPAY shall not be liable for the acts or omissions of the Billers. We are not responsible for the accuracy of any Billing Statement and any billing dispute must be addressed to the Biller directly. Not all Billers are available at each Agent location and available Billers are subject to change at any time. Our participating Agents have access to the names of the available Billers in each state. Some Billers do not accept partial bill payments and/or overdue payments. Some Billers will reject over payments; others will credit the additional amount.

5.6 Transaction Amount. Senders must pay for each Transaction in cash at a participating Agent, or using any other form or method of payment acceptable to HONEEPAY. All payments must be in U.S. dollars. The full Transaction Amount is due and payable before HONEEPAY will initiate and process the Transaction. If applicable, each Sender authorizes us to access, charge, or debit funds from any payment instrument provided in connection with the Sender’s purchase of DBP (a “Payment Instrument”) including, for example, your credit card, debit card or bank account. Not all Payment Instruments are available to Senders at all times. Sender represents and warrants that he/she is the lawful owner of his/her Payment Instruments. HONEEPAY is not responsible for any fees or charges that may be imposed by the financial institutions associated with your Payment Instrument. HONEEPAY may evaluate the reasonableness of your stated source of funds with respect to any proposed Transaction. We do not waive our right to collect the full amount due if your form of payment is cancelled, disabled, discontinued or otherwise dishonored after your purchase. If you submit a Transaction that results in HONEEPAY being charged non-sufficient fund fees, chargeback fees, or other similar fees, you agree to reimburse us for all such fees.

5.7 Service Fee. HONEEPAY will charge the Sender a Service Fee for each Transaction. The amount of the Service Fee varies by Agent and type of delivery (Expedited vs. Non-Expedited). Each Agent can tell you the Service Fee for a particular Transaction. The Service Fee will be collected by the Agent at the time of the Transaction. HONEEPAY reserves the right to change the Service Fee or add other fees at any time without prior notice. You agree that by making a DBP Transaction following a change in the fees, you accept such changes. You should ask the Agent for current fee amount.

5.8 Information and Documentation. In order to initiate and process a Transaction we require at a minimum the following information: (a) the Sender’s full name and mobile telephone number, (b) the Biller’s name and address, (c) the Beneficiary’s account number with the Biller, and (d) payment instructions. In addition, pursuant to applicable law and HONEEPAY’s policies, certain Transactions require the Sender to provide other information, including without limitation, personal information (such as address, NIN, BVN, social security number, occupation, Sender’s employer and date of birth), identification documentation (such as a driver’s license or other verified photo ID) and documents evidencing source of Sender’s funds (such as copy of Sender’s bank statement). Certain Transactions may also require completion of certain governmental forms as required by applicable law or HONEEPAY’s policies, or require Beneficiary verification. HONEEPAY reserves the right to request additional information and/or documents from the Sender regardless of the Transaction Amount. HONEEPAY, in its sole discretion, may reject any proposed Transaction for any reason. HONEEPAY, its Agents and Service Processors are not responsible for incorrect information provided by Sender. HONEEPAY may place Transactions on hold pending the receipt of all requested information and documentation. Transactions may also be placed on hold due to other reasons such as communication errors. A Transaction will not be processed or submitted to a Biller unless HONEEPAY has obtained all necessary and required information. Each Sender affirms that his/her Beneficiary has authorized the Sender to access the Beneficiary’s account information and to permit HONEEPAY to collect and verify information about the Beneficiary. Sender represents that all personal information provided to us concerning Sender and the Beneficiary shall be accurate, current and complete in all respects. By providing us with the above information, Sender gives us permission to store and process such information in connection with executing the Transaction and as described in our Privacy Policy. You must promptly update us with any change in your contact information.

5.9 No Changes. We generally do not let you change the details of your Transaction once it has been submitted to us for processing. We rely on the information you provide and it is your responsibility to make sure your Transaction details are accurate before you submit your Transaction for processing.

5.10 Expedited and Non-Expedited Transactions. Expedited Transactions with all required information received by the Biller’s cutoff time Monday through Friday will be processed and submitted that business day (or the next business day for transactions received after the cutoff time or on weekends/holidays). Non-Expedited Transactions with all required information received by 7:00 PM EST Monday through Friday will be processed and submitted the next business day (or the 2nd business day for transactions received after 7:00 PM EST or on weekends/holidays). Business days exclude weekends, holidays and other days banks are legally closed. Actual posting times vary by Biller.

5.11 Delivery of Payout Amount. HONEEPAY is not responsible for the loss, theft or unauthorized use of the Payout Amount once it has been delivered to or deposited with the applicable Service Processor or posted by the applicable Biller, whichever occurs first. The Payout Amount is not insured. HONEEPAY will make reasonable efforts to ensure that Transactions are processed in a timely manner, but we make no representations or warranties regarding the time needed to complete processing because the Service is largely dependent on many factors outside our control. Neither HONEEPAY nor its Agents shall incur any liability if we are unable to process a Transaction initiated by a Sender because of the existence of any of the following circumstances:

• you have not provided us with all necessary information required to process the Transaction;
• your Payment Instrument does not contain sufficient funds to complete the Transaction or the Transaction would exceed the credit limit or overdraft protection of your Payment Instrument;
• any of the circumstances listed in Section 5.4 of this User Agreement;
• if a Biller that allows split-payment functionality (in which the Payout Amount may be split and allocated in various ways that such Biller may offer) does not split and/or allocate the Payout Amount in accordance with your instructions; or
• any circumstance beyond our control, including but not limited to, fire, flood or interference from an outside force that prevents the proper execution of a Transaction.

5.12 Posting. Processing and posting times vary by Biller and Service Processor. While we expect that each Payout Amount will be processed and posted within the time frames listed in Section 5.10, we are not responsible for the Biller correctly and timely posting the Payout Amount. The Biller may not post a Payout Amount for various reasons including, but not limited to, incorrect information supplied by the Sender or Beneficiary, the Biller is unable to locate the Beneficiary’s account or the account is paid in full.

5.13 Notices to You. You agree that we may provide notices to you by posting them on the Website, emailing them to an email address that you have provided us, sending them via text message to any mobile number that you have provided us, or by mailing them to any postal address that you have provided us. It is your sole responsibility to ensure that your contact information is accurate. By providing us with a telephone number, including a mobile number, Sender consents to receive autodialed and pre-recorded calls or text messages at that number for DBP related purposes, including Transaction status calls or messages. Standard message and data rates may apply. Each Sender grants us permission to contact the applicable Beneficiary for Transaction related purposes.

5.14 Cancellation. Generally, the Sender can cancel a Transaction within thirty minutes after the Transaction was submitted to an Agent and receive a full refund provided that the funds have not been posted, delivered or deposited with the applicable Service Processor or Biller. After that thirty minute window, Expedited Transactions are not cancellable but Non-Expedited Transactions may be cancelled by the Sender until 7:00 PM EST on the day we receive the Transaction (again provided that the funds have not been posted, delivered or deposited with the applicable Service Processor or Biller). In order to cancel a Transaction, the Sender must contact the Agent where he/she initiated the Transaction and bring the receipt as a proof of purchase. When you return to the Agent, you must provide them with information to help them identify the Transaction you wish to cancel, including the Transaction Amount, name of Biller and name of Beneficiary. If you used a Payment Instrument to pay for a Transaction, then HONEEPAY will make every effort not to debit your Payment Instrument after it has received your request for cancellation. However, in some cases, HONEEPAY may have initiated an irreversible request for funds from your financial institution prior to receiving your request for cancellation. In such cases, your Payment Instrument may be debited even if you have cancelled your Transaction, but HONEEPAY will refund your money usually within four business days after HONEEPAY has received the funds from your financial institution. Refunds will be credited to the same Payment Instrument used to pay for the Transaction. Refunds are only made in U.S. Dollars.

5.15 Reversing a Transaction. We may or may not be able to reverse a Transaction that has already been processed. If you think there has been an error or problem with your Transaction you have a right to dispute that Transaction. You should:

• Go to the Agent where the Transaction was submitted and confirm the Transaction information;
• Ask that Agent to attempt to reverse the Transaction;
• If the Agent is unable to assist you, you may contact us by phone at business@HoneePay.com. You must contact us within 30 days of the Transaction date.

When you contact us, please tell us:

• your name and address or telephone number;
• why you believe that there is an error or problem with the Transaction;
• the name and address of the Biller;
• the name of the Beneficiary and the Beneficiary’s account number with the Biller;
• the dollar amount of the Transaction; and
• the confirmation code or number of the Transaction.

We will determine whether an error occurred within 30 days after you contact us and we will attempt to correct any error promptly. We will tell you the results after completing our investigation. If we committed an error we will give you a full refund. If no error is found or if the error was committed by you and the Transaction is reversed, then you may be charged a fee for reversing the Transaction.

5.16 State Notices. Notices required by various state regulatory authorities are contained in Exhibit A to this User Agreement. These notices may contain additional rights for users of DBP.

5.17 Customer Service. To contact HONEEPAY’s customer service email us at business@HoneePay.com.

5.18 Delays. Your Transaction may be delayed or cancelled at any time prior to the Biller’s receipt of the Payout Amount without prior notice. We may delay or cancel your Transaction for reasons that include, but are not limited to: identity verification; validation of your Transaction instructions and Payment Instruments; fraud and anti-money laundering compliance review; contacting and locating you, your Beneficiary, the Biller; and, to comply with applicable law.

5.19 Service Processors. HONEEPAY has contracted with one or more Service Processors to pay funds to Billers. HONEEPAY shall only be liable for the acts and omissions of a Service Processor when that Service Processor is acting on our behalf.

5.20 Restricted Activities and Unauthorized Transactions. Users of DBP agree not to:

• breach this User Agreement or applicable law;
• use DBP for any unlawful, abusive or fraudulent purpose;
• provide false, inaccurate, or misleading information;
• refuse to cooperate in an investigation or provide confirmation of your identity or any information you provide to us;
• share Transaction information with anyone except your Beneficiary;
• use DBP for any activity that involves sexually-oriented materials or services; gambling activities; fraud; money-laundering; funding terrorist organizations; purchase or sale of tobacco, firearms, prescription drugs, or other controlled substances; or sending money for a Beneficiary that has violated this User Agreement; or
• use DBP in any manner that could damage HONEEPAY’s business, reputation or employees.

5.21 Collection of Information. To help the U.S. government fight the funding of terrorism and money laundering activities, U.S. law requires that we obtain, verify, and record information about you. We may require that you provide us with nonpublic, personal, identifying information about you and/or your Beneficiary. We may also lawfully obtain information about you from other sources without your knowledge. We may provide information about you and your Transactions to government authorities and enforcement agencies, as described in our Privacy Statement. In addition, if you use DBP for illegal activity we reserve the right to report you to the appropriate law enforcement authorities. You authorize us, directly or through third parties, to make any inquiries we consider necessary to validate the information that you provide to us. This may include asking you for additional information, requiring you to take steps to confirm ownership of your e-mail address or Payment Instruments, or verifying your information against third party databases or through other sources. This may also include verifying your Beneficiary’s information.

5.22 Security. DBP is a safe and convenient way to send money and pay bills for family members and other people that you trust. However, scams and fraudsters are abundant and we urge you not to send money to, or make bill payments for, anyone that you do not know personally. In particular, you should be cautious of deals or offers that seem too good to be true. If you think you have been or might be a victim of fraud, or if you are aware of anyone or any entity that is using DBP inappropriately, please contact us.

6.1 Use of Services. HONEEPAY grants you a non-exclusive, non-transferable right to use the Services subject to your compliance with this User Agreement. In exchange for your payment, we will provide you a right of use a Service in accordance with this User Agreement subject to availability. We make no representation that any of the Services are available for use in any particular location. To the extent you choose to use a Service, you do so at your own initiative and are responsible for compliance with any applicable laws. We reserve the right to change, suspend, remove, or disable access to any Service at any time without notice or liability. We may also impose limits on the use of or access to any Service without notice or liability. We reserve the right to refuse any order or transaction you place with us. We may, in our sole discretion, limit or cancel transactions on a per person, per household, per telephone number or per order basis. These restrictions may include orders placed by or under the same customer account, the same credit card, and/or orders that use the same billing and/or shipping address. In the event we make a change to or cancel a transaction, we will attempt to notify you by contacting the e-mail and/or billing address/phone number provided at the time the transaction was made. We reserve the right to limit or prohibit transactions that, in our sole judgment, appear to be placed by dealers, resellers or distributors.

6.2 Access. You are responsible for all actions that take place as a result of access to or use of any Service whether the access was made by you or by a third party using the Service.

6.3 Prohibited Uses. You expressly agree to use the Services, the Website and the App solely for lawful purposes. You agree not to use any of the Services, the Website or the App for any unlawful, abusive, or fraudulent purpose, including without limitation:

• interfering with our ability to provide the Services to you or to other customers;
• violating applicable law, the User Agreement;
• avoiding your obligation to pay for the Services;
• using the Services other than for personal, consumer use;
• intercepting any communication which is not intended for you;
• sending any unsolicited commercial communication; or
• submitting or exposing to any third party any material that infringes any third party’s intellectual property rights or violates the rights of any third party, is offensive, defamatory, racist, pornographic, illegal, harmful to minors, indecent or is otherwise objectionable in HONEEPAY’s sole discretion.

Furthermore, you agree not to use the Services, the Website or the App in any way that: (i) could damage, disable or overburden any HONEEPAY server or facility, or the networks connected to any HONEEPAY server or facility, (ii) interferes with any other party’s use and enjoyment of the Services, or (iii) could damage HONEEPAY’s business, reputation or employees. You agree not to resell or commercialize any of the Services whether for profit or otherwise.

6.4 Submission of Information to HONEEPAY. If you send any messages or post any information to HONEEPAY on the Website, with or through the Services, through social media third party sites or otherwise provide feedback to HONEEPAY, you are granting HONEEPAY a royalty-free, world-wide, transferable, sub-licensable, perpetual, irrevocable license to use the information in the course of offering the Services. Furthermore, HONEEPAY retains the right to reformat, excerpt, or translate any information or materials submitted by you to HONEEPAY. HONEEPAY reserves the right at all times to disclose any information as it deems necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove or restrict any information or materials, in whole or in part, in HONEEPAY’s sole discretion.

6.5 No Warranties. You expressly acknowledge that (a) your use of the Services, the Website, the App and any content therein (collectively, “Content”) is at your sole risk and (b) the Services, Website, App and all Content are provided “AS IS” and “AS AVAILABLE” with no warranties of any kind. HONEEPAY does not make any warranties, claims or representations to you or to any third party, whether express, implied or statutory, regarding the Services, Website, App, Content, including, without limitation, warranties or conditions of quality, performance, suitability, durability, title, non-infringement, merchantability, completeness of fitness for use for a particular purpose. All such warranties are hereby expressly excluded and disclaimed and you hereby waive and release HONEEPAY from all such warranties of any nature. Without limiting the foregoing, HONEEPAY makes no warranty or representation that the Services, Website, App, or Content will always be available, accessible, uninterrupted, timely, secure, accurate, complete or error free or free of viruses or other harmful components or that any defects will be corrected. HONEEPAY may choose not to provide Services to countries at its sole discretion. We do not authorize anyone, including but not limited to HONEEPAY agents and employees, to make any warranties on our behalf and you should not rely on any such statements. Because some jurisdictions do no permit the exclusion of certain warranties, these exclusions may not apply to you. For the purposes of this paragraph, “HONEEPAY” includes our parent companies, subsidiary companies and affiliated legal entities and all their directors, officers, agents, licensors and employees. This provision will continue to remain in force after this User Agreement expires or is otherwise terminated.

HONEEPAY will not be liable for any disruption, delays, eavesdropping or other omissions in the Services. HONEEPAY takes no responsibility for any disruption, interruption or delay in the Services caused by any failure of or inadequacy in any items over which it has no control.

6.6 Termination of Service. HONEEPAY may immediately suspend, cancel, modify or restrict the Services or your use of the Services, all without advance notice or liability, if:

• you violate this User Agreement;
• we reasonably believe that you, or someone else through your Member Profile, is fraudulently or unlawfully using the Services;
• we reasonably believe that you, or someone else through your Member Profile, is abusing the Services, including misuse of service promotions;
• your form of payment for the Services is canceled, disabled, discontinued or otherwise dishonored after funding;
• HONEEPAY needs to perform maintenance on or upgrade the Services, Website, App or the underlying infrastructure that enables you to use the Services, Website or App (you will not be entitled to claim damages for any such suspension or limitation of use); and/or
• there is a determination by any governmental authority that the provision of any of the Services is contrary to any law, rule or regulation.

You hereby agree to pay any and all outstanding charges for the Services and to reimburse us for any reasonable cost we incur in securing your payment, including, but not limited to, attorneys’ fees, court fees, and any other collection-related cost. We may impose restrictions on the form of payment you may use and/or may refuse to provide the Services to you, if any of your previous payments have failed to result in HONEEPAY’s receipt of the entire amount payable to us in connection with such payment.

6.7 Indemnification. You agree to indemnify, release and hold HONEEPAY harmless from any and all liabilities, losses, damages or claims of any kind resulting from or arising out of your (a) use of the Services, Website, App and Content other than as a result of our gross negligence, (b) breach of this User Agreement, or (c) violation of another person’s or entity’s rights. In addition, you agree that HONEEPAY shall not be responsible for any third party claims against you that arise from your use of the Services, Website, App and Content and you agree to reimburse HONEEPAY for all costs and expenses related to the defense of any such claims, including reasonable attorneys’ fees, unless such claims are based upon our willful misconduct or gross negligence. This section will survive the expiration or termination of the User Agreement. New Jersey consumers and prospective consumers: this section is unenforceable or inapplicable to you. For the purposes of this paragraph, “HONEEPAY” includes our parent companies, subsidiary companies and affiliated legal entities and all their directors, officers, agents, licensors and employees.

6.8 Limitations of Liability. HONEEPAY is not liable to you or to any third party for any costs, liabilities or damages arising either directly or indirectly from any cause, action or claim relating to the Services, Website, App, or Content, including without limitation any personal injury, actual, incidental, consequential, exemplary, punitive, reliance or special damages, or for any claims for loss of revenue, lost profits, lost use, data, or goodwill or for lost business opportunities of any kind or nature whatsoever. These limitations apply even if the damages were foreseeable or we were told that they were possible, and these limitations apply whether the claim is based upon contract, tort, statute, fraud, misrepresentation, or any other legal or equitable theory. HONEEPAY is not liable for any failure in performance, loss or damage that is due to extraordinary circumstances outside our control that could have been reasonably anticipated, including without limitation failures, outages, interruptions, equipment failures or acts or omissions of third parties regarding or related to the Services. HONEEPAY will not be liable for any damages if the Services are interrupted, or if there is a problem with the interconnection of the Services with the service, products or equipment of some other party. This section will survive the expiration or termination of the User Agreement. Because some jurisdictions do not permit these exclusions or limitations, HONEEPAY’s liability in such jurisdictions shall be limited to the extent permitted by law. New Jersey consumers and prospective consumers: this section is unenforceable or inapplicable to you. For the purposes of this paragraph, “HONEEPAY” includes our parent companies, subsidiary companies and affiliated legal entities, and all their directors, officers, agents, licensors and employees.

HONEEPAY’s total liability under Sections 4.9 and 5.19 for any acts or omissions of a payer or Service Processor acting on our behalf shall be limited to the principal amount of the transaction involved and any fee paid by you for the transaction. This section does not limit HONEEPAY’s error resolution obligations for money transfers under Regulation E, 12 C.F.R. Part 1005 if applicable.

Notwithstanding anything in this User Agreement to the contrary and should any provision of this User Agreement limiting HONEEPAY’s liability not be enforced, HONEEPAY’s total liability to you in connection with this User Agreement shall not exceed in the aggregate the amount paid by you for the applicable Service in the 12 month period immediately prior to the date of the event giving rise to the claim, subject to a maximum of $1,000.00 in all cases.

6.9 Termination. You may terminate your relationship with HONEEPAY at any time by ceasing to use Services, Website and App. HONEEPAY may terminate its relationship with you, or may terminate or suspend your use of the Services, Website, and/or App at any time if:

• if you violate this User Agreement;
• if we reasonably suspect that you are using the Services, Website, or App to break the law or infringe a third party’s rights;
• if we reasonably suspect that you are trying to unfairly exploit or misuse the Services or any of our policies;
• if we reasonably suspect that you are using the Services, Website or App fraudulently or illegally;
• immediately if required due to a change in any applicable law or by any of HONEEPAY’s partners; or
• on 30 days’ notice.

Upon termination: (a) all licenses and rights to use the Services, Website, and App shall immediately terminate; and (ii) you will immediately cease any and all use of the Services, Website, and App. The obligations and liabilities of the parties incurred prior to the termination date shall survive the termination of this User Agreement for all purposes.

7.1 Right to Change. We reserve the right, at any time in our sole discretion, to: modify, suspend or discontinue the Website, App or any Service, content, feature or product offered through the Website or App, with or without notice; charge fees in connection with the use of the Website and/or App; modify and/or waive any fees charged in connection with the Website and/or App; and/or offer opportunities to some or all users of the Website and/or App. You agree that we shall not be liable to you or to any third party for any such actions.

7.2 Rules of User Conduct. You expressly acknowledge and agree not to use the Website or App for any unlawful, abusive, or fraudulent purpose and to abide by all of HONEEPAY’s rules of user conduct. You agree that by (a) using the Website, App or any Service or (b) posting information in or otherwise using any communications service, chat room, virtual television channel, message board, newsgroup, software library, or other interactive service that may be available to you on or through the Website or App, you will not upload, post, or otherwise distribute or facilitate the distribution of any content (including text, communications, software, images, sounds, data, or other information) that:

• is unlawful, threatening, abusive, harassing, defamatory, libelous, deceptive, fraudulent, invasive of another’s privacy, tortious, contains explicit or graphic descriptions or accounts of sexual acts (including but not limited to sexual language of a violent or threatening nature directed at another individual or group of individuals), or otherwise violates this User Agreement;
• victimizes, harasses, degrades, or intimidates an individual or group of individuals on the basis of religion, gender, sexual orientation, race, ethnicity, age, or disability;
• infringes on any patent, trademark, trade secret, copyright, right of publicity, or other proprietary right of any party;
• constitutes unauthorized or unsolicited advertising, junk or bulk e-mail, unsolicited text or SMS messages, chain letters, any other form of unauthorized solicitation, or any form of lottery or gambling;
• contains software viruses or any other computer code, files, or programs that are designed or intended to disrupt, damage, or limit the functioning of any software, hardware, or telecommunications equipment or to damage or obtain unauthorized access to any data or other information of any third party; or
• impersonates any person or entity, including any employee or representative of HONEEPAY.

You also agree that you will not harvest or collect information about the users or members of the Website or App or use such information for the purpose of transmitting or facilitating transmission of unsolicited bulk electronic e-mail or other forms of communication. You further agree that you will not knowingly solicit or collect personal information from a child 18 years old or younger without appropriate prior verifiable parental consent. HONEEPAY generally does not pre-screen, monitor, or edit the content posted by users of communications services, chat rooms, message boards, newsgroups, software libraries, or other interactive services that may be available on or through the Website or App. However, HONEEPAY and its agents have the right at their sole discretion to remove any content that, in our judgment, does not comply with the terms of this User Agreement or is otherwise harmful, objectionable, or inaccurate. HONEEPAY is not responsible for any failure or delay in removing such content.

7.3 Intellectual Property. The HoneePay Money and names and associated logos, the software and technology underlying the platform, and all registered or unregistered trademarks, service marks, logos, patents, patent applications, proprietary information, registered or unregistered copyrights and all other rights related to intangible property which are used, developed, comprising, embodied in, or practiced in connection with the Services, the App, the Website and the platform and the products or services now or hereafter owned, created or provided by HONEEPAY (collectively, the “HONEEPAY IP”), are owned, controlled or licensed by HONEEPAY. In addition, all materials on the Website or in the App, including text, images, illustrations, designs, icons, photographs, video clips and other materials, and the copyrights, trademarks, trade dress and/or other intellectual property in such materials (collectively, the “Web Content”), are owned, controlled or licensed by HONEEPAY. You have no rights in or to the HONEEPAY IP or the Web Content and you may not use the HONEEPAY IP or the Web Content in any manner without the prior written consent of HONEEPAY. You may not reproduce, publish, transmit, distribute, display, modify, create derivative works from, sell or exploit in any way any of the HONEEPAY IP or the Web Content. The HONEEPAY IP and the Web Content are intended to promote HONEEPAY’s products and services available in the United States. One or more patents may apply to the Website, the App or the Services.

7.4 Third Party Sites. The Website and App may produce automated search results or otherwise link you to other sites on the Internet. These other sites are not under the control of HONEEPAY or its affiliates and you acknowledge that neither HONEEPAY nor its affiliates are responsible for the accuracy, copyright compliance, legality, decency, or any other aspect of the content of such other sites. These sites may contain information or material that some people may find inappropriate or offensive. The inclusion of such a link does not imply endorsement of the site by HONEEPAY or any association with its operators.

7.5 Procedure for Making Claims of Copyright Infringement. HONEEPAY, its subsidiaries and affiliate companies respect the intellectual property of others, and we ask our content providers and those posting materials to the Website or App to do the same. If you believe that your copyrighted work has been copied and is accessible on the Website or App in a way that constitutes copyright infringement, please let us know right away by providing our copyright agent with the following information:

• the electronic or physical signature of the owner of the copyright or the person authorized to act on the owner's behalf;
• a description of the copyrighted work that you claim has been infringed and a description of the infringing activity;
• identification of the location where the original or an authorized copy of the copyrighted work exists, for example the URL of the website where it is posted or the name of the book in which it has been published;
• identification of the URL or other specific location on the Website or App where the material that you claim is infringing is located (you must include enough information to allow us to locate the material);
• your name, address, telephone number, and email address;
• a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; and
• a statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or are authorized to act on the copyright owner's behalf.

Our agent for notice of claims of copyright infringement on the Website can be reached as follows: Shield Ride LLC, 1672 Ginger Dr, Lancaster, Texas, 75146.

7.6 User Submissions. HONEEPAY is pleased to hear from users and welcomes your comments regarding our Services. Our company policy does not allow us to accept or to consider creative ideas, suggestions, proposals, plans, or other materials other than those we have specifically requested. We hope that you will understand that the intent of this policy is to avoid the possibility of future misunderstandings when projects developed by HONEEPAY or its employees and agents might seem to be similar to creative works submitted by users. Accordingly, while we value your feedback, we must ask that you do not send creative ideas, suggestions, proposals, plans, or other materials for our business. If, at our request, you send certain specific submissions (for example sweepstake entries) or without a request from us you send creative ideas, suggestions, proposals, plans, or other materials, whether online, by email, by postal mail, or otherwise (collectively, “Comments”), you agree that HONEEPAY may, at any time, without restriction, edit, copy, publish, distribute, translate, display, perform and otherwise use in any medium any Comments. HONEEPAY is and shall be under no obligation (a) to maintain any Comments in confidence, (b) to pay compensation for any Comments or (c) to respond to any Comments. HONEEPAY has the right but not the obligation to monitor and edit or remove any Comments. You agree that your Comments will not violate any right of any third party, including copyright, trademark, privacy or other personal or proprietary right. You further agree that your Comments will not contain libelous or otherwise unlawful, abusive or obscene material, or contain any computer virus or other malware that could in any way affect the operation of the Website or App. You may not use a false e-mail address, pretend to be someone other than yourself, or otherwise mislead HONEEPAY or third parties as to the origin of any Comments. You are solely responsible for any Comments you make and their accuracy. HONEEPAY takes no responsibility and assumes no liability for any Comments posted by you or any third party.

7.7 International Use. HONEEPAY makes no representation that materials on the Website or App are appropriate or available for use in locations outside the United States. Accessing such materials from territories where their content is illegal is prohibited. Those who choose to access the Website or App from other locations do so on their own initiative and are responsible for compliance with local laws.

7.8 Termination. HONEEPAY reserves the right, in its sole discretion, to terminate a person’s access to all or part of the Website and/or App, with or without notice.

8.1 Taxes. You are responsible for and must pay any applicable taxes in connection with your purchase and use of any of the Services.

8.2 Electronic Communications. Unless otherwise required by applicable law, you authorize HONEEPAY to send or provide the following categories of information (“Communications”) by electronic means and not in paper format: (a) this User Agreement and any amendments, modifications or supplements to it; (b) your purchase and use records regarding Service transactions; (c) any initial, periodic or other disclosures or notices provided in connection with the Services, including without limitation those required by U.S. federal, state or other applicable law; (d) any customer service communications, including without limitation communications with respect to claims of error or unauthorized use of the Services; and (e) any other communication related to the Services, a transaction or HONEEPAY. Electronic means may include email, SMS/MMS, App to App messages, text, push notification through the App, Website chat with customer service or posting in the App on the Website. Message and data rates may apply when you receive SMS/MMS, text or push notification messages on your mobile phone. You may withdraw your consent to receive all or certain Communications electronically (except for App to App messages from HONEEPAY) at any time, and receive all or certain Communications in paper format. In order to withdraw your consent, receive a Communication in paper format or to update your contact information, please contact us by calling 1-800-618-3172 or emailing us at moneytransfer@HoneePay.net. In order to access and retain Communications, you must have: (i) an Internet browser that supports 128-bit encryption, (ii) a mobile number and the capability to receive messages from or on behalf of HONEEPAY, and (iii) a device and data or Internet connection capable of supporting the foregoing.

8.3 Consent to Receive Messages. By using any of the Services, you consent to receive automated or live phone calls, SMS/MMS, push notifications through the App, App to App messages, text messages and/or email messages from HONEEPAY and its affiliates regarding account management activities and special offers. This consent is specific to the phone number(s) you provide to us to use the Services and open accounts. Message and data rates may apply when you receive SMS/MMS, text or push notification messages on your mobile phone. You may refuse to consent to receive calls and texts from HONEEPAY and its affiliates that require your consent, including autodialed, pre-recorded or artificial voice telemarketing calls. You may also withdraw your previously given consent to receive such calls and texts. Your ability to manage and use certain features of the Services could be limited if you refuse or withdraw your consent to receive these messages.

8.4 No Third Party Rights. The provisions of this User Agreement are for the benefit of you and HONEEPAY and not for the benefit of any third party.

8.5 Acts Beyond Our Control. HONEEPAY will not be in breach of this User Agreement or responsible for any failure in performance, loss or damage that is due to extraordinary circumstances outside our control that could have been reasonably anticipated, including without limitation, fire, explosion, power blackout, earthquake, volcanic action, flood, the weather elements, strike, embargo, labor disputes, civil or military authority, war, acts of God, acts or omissions of carriers or suppliers and acts of regulatory or governmental agencies.

8.6 Assignment. This User Agreement is personal to you and you may not assign or transfer it or your rights or obligations to any other person without HONEEPAY’s prior consent. We can assign all or part of our rights or duties under this User Agreement without prior notice. If we elect to make such an assignment, we will have no further obligations to you under this User Agreement or in connection with your purchase or use of the Services.

8.7 Notices. Any notice from HONEEPAY to you under this User Agreement will be provided by one or more of the following: posting on the Website, a recorded IVR announcement while using a Service, SMS/MMS text, email or a call to a telephone number provided by you. You may contact HONEEPAY either by phone or by mail as follows: Shield Ride LLC, 1672 Ginger Dr, Lancaster, Texas, 75146.

8.8 Separability. If any part of this User Agreement is found invalid, the rest of the User Agreement will remain valid and enforceable.

8.9 Governing Law. This User Agreement will be governed by the law of the State of New Jersey, without regard to its choice of law rules. This governing law provision applies no matter where you reside, or where you use, purchase or pay for the Services.

8.10 Entire Agreement. This User Agreement constitutes the entire agreement between you and HONEEPAY regarding the Services covered hereby, the Website and the App and supersedes all prior agreements, understandings, statements or proposals, and representations, whether written or oral between you and HONEEPAY regarding the same. No written or oral statement, advertisement or service or product description not expressly contained in this User Agreement, the Website or in the App will be allowed to contradict, explain, or supplement this User Agreement or any of the Services. Neither you nor HONEEPAY is relying on any representations or statements by the other party or any other person that is not included in this User Agreement.

8.11 Survival. The provisions of this User Agreement that explicitly or by their nature survive or are intended to survive termination or cancellation shall so survive.

8.12 Waiver. The failure by HONEEPAY to exercise, or delay in exercising, a legal right or remedy provided by this User Agreement or by law shall not constitute a waiver of HONEEPAY’s right or remedy. If HONEEPAY waives a breach of this User Agreement, the waiver shall not operate as a waiver of a subsequent breach of the User Agreement.

8.13 Disputes; Arbitration. Both you and HONEEPAY agree to waive our rights to sue in court and have disputes resolved in court by a judge or jury. Instead, each party agrees to first contact the other party with any dispute and to provide a written description of the problem and any proposed resolutions. If we can’t resolve the dispute, then either party can submit the dispute to arbitration. You and HONEEPAY agree to resolve disputes by arbitration, including any dispute as to the interpretation or application of this Section. Arbitration is a means of having an independent third party resolve a dispute. The rules of arbitration are different than the rules of a court. In an arbitration there is no judge or jury, but the arbitrator can award the same damages and relief and must honor the same limitations stated in this User Agreement as a court would. The term dispute shall mean any and all claims, controversies and disputes between you and HONEEPAY of any nature, including without limitation any claim, controversy or dispute arising out of or in any way related to this User Agreement, the Website, the App and/or the Services, and/or any federal or state contract, tort, statutory, regulatory, common law or equitable claim. Either you or HONEEPAY can request at any time that a dispute be submitted to arbitration. The arbitration will be conducted by the American Arbitration Association (“AAA”) under its rules, including the AAA’s Consumer Arbitration Rules, as such rules are modified by this User Agreement. The AAA’s rules are available at www.adr.org or by calling 1-800-778-7879. You may choose to have the arbitration conducted by telephone, based solely on written submissions, or in person in Newark, New Jersey, Los Angeles, California or any other mutually agreed location. HONEEPAY shall pay all of the AAA filing, administration and arbitrator fees up to $1,000. Thereafter, HONEEPAY and you will divide equally all such fees and expenses of the arbitration. HONEEPAY shall not pay your travel expenses or your costs in preparing and presenting your case, including your legal fees. The decision of the arbitrator shall be final and may be entered and enforced in any court of competent jurisdiction. We each agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated or representative action. You agree to waive your right to consolidate your dispute with the disputes or claims of other consumers or customers. You agree to waive your right to bring a dispute as a class action or as a private attorney general, and you agree to waive your right to act as a class representative or participate as a member of a class of claimants with respect to any dispute. Notwithstanding the foregoing, we both agree that you or we may bring suit in court to enjoin infringement or other misuse of intellectual property rights. You can opt out of the provisions of this Section by sending a letter via overnight mail to HONEEPAY 1672, Ginger Dr., Lancaster, Texas, Attn: Legal Department, indicating your desire to opt out of this Section. If for any reason a dispute proceeds in court rather than in arbitration we each waive any right to a jury trial.

8.14 Changes to Agreement. HONEEPAY may in our sole discretion change the terms of this User Agreement or the information on the Website from time to time with or without prior notice. When changes are made we will update the User Agreement on the Website. The Website will be updated on or before the effective date of the change, unless an immediate change is necessary to maintain the security of the system or unless a law, rule or regulation requires that it be updated an earlier time. Please review the User Agreement on a regular basis. By continuing to use a Service, the Website or the App after publication of the change, you agree to the change and the updated User Agreement.

8.15 Translation. For your convenience, HONEEPAY may provide you with a translation of the English language version of some or all of the various parts of the User Agreement. However, the meanings of terms, conditions and representations herein are subject to definitions and interpretations in the English language. If there is any inconsistency between a non-English version and the English version, then the English version shall govern your relationship with HONEEPAY. Any translation provided may not accurately represent the information in the original English version.

8.16 Security. Unfortunately, scams and fraudsters are abundant and we urge you to be cautious of deals or offers that seem too good to be true. If you think you have been or might be a victim of fraud, or if you are aware of anyone or any entity that is using the Services inappropriately, please contact us.

Alaska. If you have complaints or other concerns with respect to any aspect of the money transmission activities conducted with HONEEPAY, you may contact the Alaska Department of Commerce, Community and Economic Development, Division of Banking and Securities at (888) 925-2521, or by mail at 150 3rd Street, Suite 217, Juneau, AK 99801, or at the following website http://www.dced.state.ak.us/bsc/home.htm.

California. The following applies only to Transactions that are submitted by Senders in California. RIGHT TO REFUND: You, the customer, are entitled to a refund of the money to be transmitted as the result of this agreement if HONEEPAY does not forward the money received from you within 10 days of the date of its receipt, or does not give instructions committing an equivalent amount of money to the person designated by you within 10 days of the date of the receipt of the funds from you unless otherwise instructed by you. If your instructions as to when the moneys shall be forwarded or transmitted are not complied with and the money has not yet been forwarded or transmitted, you have a right to a refund of your money. If you want a refund, you must mail or deliver your written request to HONEEPAY, Attn: Customer Service, 520 Broad Street, Newark, NJ 07102. If you do not receive your refund, you may be entitled to your money back plus a penalty of up to $1,000 and attorney’s fees pursuant to Section 2102 of the California Financial Code. If you have complaints with respect to any aspect of the money transmission activities conducted by HONEEPAY, you may contact the California Department of Financial Protection and Innovation at its toll-free telephone number, 1-866-275-2677, by email at consumer.services@dfpi.ca.gov, or by mail at the Department of Financial Protection and Innovation, Consumer Services, 2101 Arena Boulevard, Sacramento, CA 95834.

Colorado. Entities other than FDIC-insured financial institutions that conduct money transmission activities in Colorado, including the sale of money orders, transfer of funds, and other instruments for the payment of money or credit are required to be licensed by the Colorado Division of Banking pursuant to the Money Transmitters Act, Title 11, Article 110, Colorado Revised Statutes. If you have a question about or problem with your transaction (i.e., the money you sent), you must contact the Money Transmitter who processed your transaction for assistance. The Division of Banking does not have access to this information. If you are a Colorado Resident and have a Complaint about the Money Transmitter (i.e., the company that sent your money): All Complaints must be submitted in writing. Please fill out the Complaint Form provided on the Colorado Division of Banking’s website and return it and any documentation supporting the complaint via mail or email to the Division of Banking at: Colorado Division of Banking, 1560 Broadway, Suite 975, Denver, CO 80202; Email: DORA_BankingWebsite@state.co.us; Website: banking.colorado.gov.

Florida. For questions about compliance with or suspected violations of Chapter 560, Florida Statutes, please contact the Florida Office of Financial Regulation, 200 East Gaines Street, Tallahassee, FL 32399-0376, (800) 848-3792.

Illinois. If you suspect any violation of the Illinois Transmitters of Money Act, please contact the Illinois Department of Financial and Professional Regulation at 1-(888) 298-8089.

Maryland. The Commissioner of Financial Regulation for the State of Maryland will accept all questions or complaints regarding Shield Ride LLC and Planet Honey Limited, (License number 12-9196) at: Commissioner of Financial Regulation, 500 North Calvert Street, Suite 402, Baltimore, Maryland 21202, telephone number: 1-410-230-6001.

Massachusetts. If you are a resident of Massachusetts and you have an unresolved complaint, you may contact the Consumer Assistance Section of the Massachusetts Division of Banks at (800) 495-2265 ext. 501 (outside of Massachusetts, call (617) 956-1500 ext. 501), or by sending a written complaint to the Division of Banks, 1 South Station, Boston, Massachusetts 02110.

Minnesota. You may contact us by email at business@HoneePay.com to voluntarily disqualify yourself from sending or receiving Transactions with HONEEPAY (“Disqualified HONEEPAY User”). All requests will expire one year from the date of request, unless requested for longer, or until you terminate the request in writing. HONEEPAY may automatically inform the Minnesota Department of Commerce Financial Institutions Division to include such individual on Minnesota’s “No Transmit List.” The Financial Institutions Division may from time to time provide the “No Transmit List” to HONEEPAY and any individuals on such list shall automatically be a Disqualified HONEEPAY User. Please see Minn. Stat. 53B.27, subd. 3 for more information on the “No Transmit List.”

New Hampshire. The following applies only to Transactions that are submitted by Senders in New Hampshire. Senders are entitled to a refund of the Transaction Amount and Transaction Fee if their Transaction is not paid out according to the information they provide about their Recipient, unless the Transaction is in violation of applicable law or these terms. In the case of any such refund, the Transaction will also be cancelled.

New Jersey. If you have a complaint, first contact the consumer assistance division of HONEEPAY at 1-800-618-3172. If you still have an unresolved complaint regarding HONEEPAY’s money transfers and/or any related products or services, please direct your complaint to: State of New Jersey Department of Banking & Insurance, 20 West State Street, Trenton, NJ 08625, Toll free number 800-446-7467 or Website http://www.state.nj.us/dobi/index.html.

Texas. If you have a complaint, first contact HONEEPAY Customer Service at 1-800-618-3172. If you are a Texas resident and you still have an unresolved complaint regarding HONEEPAY’s money transmission activity, please direct your complaint to the Texas Department of Banking: in person or US Mail at Texas Department of Banking, 2601 North Lamar Boulevard, Austin, TX 78705; by telephone at 1-877-276-5554 (toll free); by fax at 1-512-475-1313; by email to consumer.complaints@dob.texas.gov; or at https://www.dob.texas.gov/money-services-businesses.

Washington. The following applies only to Transactions that are submitted by Senders in the State of Washington. You, the customer, are entitled to a refund of all moneys received for transmittal within ten days of receipt of a written request for refund unless any of the following occurs: (1) The monies have been transmitted and delivered to the recipient prior to receipt of the written request for a refund; (2) Instructions have been given committing an equivalent amount of money to the person designated by the customer prior to receipt of a written request for a refund; (3) HONEEPAY, or its authorized delegate has reason to believe that a crime has occurred, is occurring, or may potentially occur as a result of transmitting the money as requested by the customer or refunding the money as requested by the customer; or (4) HONEEPAY is otherwise barred by law from making a refund. If you have a complaint, first contact the consumer assistance division of HONEEPAY at 1-800-618-3172, if you still have an unresolved complaint regarding the company’s money transfers and/or any related products or services, please direct your complaint to: State of Washington Department of Financial Institutions, 150 Israel RD SW, Tumwater, WA 98501, Toll free number 877-746-4334 or Website: dfi.wa.gov/default.htm.

The HoneePay service, website and/or software application (collectively, the "Service") enables you to transfer funds between your mobile money wallet and your bank account, as well as to the wallet/account of another user. It enables you to access and use HoneePay's interoperable Quick Response (QR) payment service. It also enables you, through your supported mobile money wallet, account or debit/credit card, to pay for products and services offered by third parties ("Products"); as well as any other innovative payment offering that we may offer in the future. The Service is operated by Planet Honey Limited, Nigeria and Shield Ride LLC, USA ("HoneePay"), subject to these Terms of Service ("Terms").

This is a contract. These Terms constitute a contract between you and HoneePay. If you do not accept these Terms, please do not use the Service. By using any part of the Service, you accept these Terms. If you are under eighteen (18) years of age, you may only be eligible to use our service under the supervision and with the consent of your parent(s) or guardian(s), subject to existing laws.

You must register a wallet account with valid information. To use the Service, you must: (a) provide a valid mobile phone number; (b) agree that an account associated with such number be created; (c) accept the current Terms; and (d) agree to submit such other (and additional) information as HoneePay may request in line with regulatory/legal provisions. You agree to provide true, accurate and complete information about yourself as prompted by HoneePay during the account registration process. You must ensure that any third-party information you provide to HoneePay has been authorized appropriately. You will be given the option of receiving a unique PIN for purposes of reusing your account. You are responsible for keeping your PIN secure at all times, without reservation. For the avoidance of doubt, HoneePay will not be responsible when/where you compromise your details by disclosing it to third parties and you are liable for all transactions initiated using your account/wallet even if not authorised by you or if done in error.

HoneePay's innovative product offerings include a QR Payment protocol, by which you can send and receive payments from eligible accounts/wallets. Whether you are an HoneePay user (Merchant/Individual) looking to receive payments from other HoneePay users or customers, or an HoneePay user (Merchant/Individual) who wants to receive money from other banks' users, you can choose to receive the payment using our QR Service. The QR Service operates similar to other HoneePay funds transfer services, offering as much speed, ease, interoperability and security.

Other conditions apply:

• When you choose the QR Service, transaction fees apply, depending on the transaction value and prevailing tax provisions for the time in force;
• You will not be able to use the service if you have insufficient funds in the source account/wallet;
• You are responsible for keeping access to your account private and secure at all times, as HoneePay will not be liable for any unauthorized access, loss or debits emanating from your negligence;
• You are responsible for keeping your payment pin, security questions or any generated security codes, safe at all times;
• You are responsible for making sure that the details of each transaction made using our QR Service are accurate, including (but not limited to) transaction amount and the recipient details;
• For the avoidance of doubt, you are liable for all transactions initiated using your account/wallet even if not authorized by you or if done in error;
• We will not be liable for any experienced downtime on the service, particularly as the availability and functionality may be subject to third party platforms which operations we have no control over;
• We will not be liable for any detected defect or deficiency in any goods/services provided/supplied to you through the use of the QR Service;

We reserve the right, at all times, to:

• impose or amend maximum or minimum thresholds/limits with respect to QR payments, particularly as may be prescribed by law/regulation;
• to refuse/prevent a QR payment where our risk system flags a potential discrepancy in the nature or on reasonable suspicion of fraud, money-laundering;
• access the eligibility of your account/wallet for the QR Service;
• amend, modify, discontinue, suspend, adjust the service, either temporarily or permanently.

Third-party merchants offer the goods & services. The Service provides an opportunity to discover offers from independent third-party merchants ("Merchants"). These Merchants sell their respective Products subject to their own terms and conditions.

To illustrate:

“Airtime”

If you choose to purchase pre-paid airtime, you do so pursuant to the relevant terms and conditions of your mobile telecommunications provider.

“Utilities”

If you choose to purchase pre-paid electricity or water, you do so pursuant to the relevant terms and conditions of the utility provider.

“USSD Subscription Service”

If you subscribe to the USSD Service, you agree that HoneePay may charge you the attendant fees related to the service, and pursuant to the relevant terms and conditions of your mobile telecommunications provider.

“CAC Registration”

If you elect to register your business with the Corporate Affairs Commission through the platform, you do so pursuant to the terms and conditions of the CAC with respect to provision of information, use of the information, and all other aspects of CAC's guidelines and policies as may be reviewed from time to time. We provide nothing more than a portal to the CAC platform and possess neither control over, nor access to, the data you provide during registration of your business.

If you decide to purchase Products such as these from third party Merchants, you do so at your own risk and subject to the relevant Merchant's terms and conditions. We are unable to investigate, monitor, or check the products for accuracy, reliability, appropriateness or completeness; neither are we able to control the reliability or network stability of these platforms. By granting you access to discover the Products via the Service, HoneePay does not imply approval or endorsement of such Products. You therefore agree that HoneePay is not responsible or liable for the Products you purchase from Merchants.

Payments are processed by third parties. In order to facilitate your purchases from Merchants, HoneePay has integrated its Service with the billing solutions of certain mobile money providers and credit card issuing banks ("Payment Processors"). When you purchase a Product from a Merchant using your supported mobile money wallet or account or debit/credit card, payments will be processed by such Payment Processors. Payment Processors have their own terms and conditions governing your use of their payment services. You understand and agree that HoneePay does not process payments and is not responsible or liable for any transactions in which you engage. By engaging in a purchase transaction using your mobile money account or debit/credit card, you authorize the Merchant (or HoneePay on its behalf) to bill your account or card for the purchase amount.

Undercharge Recovery. If, for any reason (including system errors, technical faults, or operational reconciliation), a transaction results in an amount deducted from your Wallet or other balances that is less than the value of goods, services, or transfers received, HoneePay reserves the right to debit your Wallet or any other balances domiciled with us without further notice to recover the outstanding balance. Such debits shall be deemed valid to reconcile your account obligations.

Chargebacks and Refunds. The following conditions shall apply to chargebacks and refunds, as contemplated under these terms:

• Where necessary, Card Issuers, Card Schemes and/or Other Financial Institutions may require repayment in respect of a transaction previously settled and/or remitted to a User, notwithstanding that authorization may have been obtained from the Card Issuer and/or Other Financial Institution (these circumstances are called a "Chargeback").
• You hereby acknowledge and agree that under all applicable rules, regulations and operating guidelines issued by Card Schemes, Financial Institution, the Central Bank of Nigeria and HoneePay relating to cards, transactions, other payment methods and processing of data, you may be required to reimburse HoneePay for Chargebacks in circumstances where a transaction may have concluded.
• A Chargeback may also relate, in related circumstances, to a court order against your balance with us, either domiciled in your wallet or related balances.

In the event of a Chargeback, we shall be entitled to debit your position with your Settlement Bank, your HoneePay Wallet or any of the other referenced balances, and/or deduct the due amount to recover:

• the full amount of the relevant Chargeback; and
• any other costs, expenses, liabilities or Fines which may be incurred as a result of or in connection with such Chargeback ("Chargeback Costs").

As Chargebacks may arise a considerable period after the date of the relevant transaction, you acknowledge and agree that, notwithstanding any termination of this relationship for any reason:

• HoneePay will remain entitled to recover Chargebacks and Chargeback Costs (and, where relevant, from any related balance and account domiciled with us, or with the Settlement Bank in respect of all Chargebacks that occur in relation to transactions effected during the term thereof).
• HoneePay reserves the right to immediately pass on to and recover from you any fines incurred and/or impose further charges on you and/or terminate the relationship forthwith if we consider that the total value of refunds and/or Chargebacks is unreasonable.

For the purpose of this Chargebacks and Refunds section you understand that:

“User”

means any individual or entity who uses HoneePay's services, including customers, merchants, or account holders who initiate or receive transactions on the HoneePay platform.

“Settlement”

means the process of transferring funds to complete a transaction. In this context, it refers to HoneePay crediting or debiting the relevant amounts to or from a User's wallet or bank account to reflect the finalised transaction amount, after reconciliation and processing.

“Settlement Bank”

means the bank account or financial institution designated by HoneePay (or its partner) to receive, hold, and disburse funds on behalf of HoneePay and its Users for the purpose of settling transactions processed through the HoneePay platform.

Set Off. You hereby authorize us to combine or consolidate all or any of your accounts domiciled with us, to set off or transfer any sum(s) standing to the credit of any one or more of such accounts in or towards the satisfaction of your settlement liabilities for all related transactions, including any fees/fines imposed on us due to any breach of these Terms by you.

HoneePay is entitled to defer any settlement or any other sum due to you to the extent that we consider necessary or appropriate to protect our ability to recover the Fees and/or the sums or any other liability (actual or anticipated) of yours in connection with this Agreement, to the extent permitted by law.

The exercise by HoneePay of any of its rights under this clause shall be without prejudice to any other rights or remedies to which we are otherwise entitled (by operation of law, contract, or otherwise).

For the purpose of this Set Off section you understand that:

“Fees”

means any charges, costs, or amounts payable by the User to HoneePay under these Terms and Conditions. This includes transaction fees, administrative fees, penalties, fines, or any other amounts levied for the use of HoneePay's services.

Your privacy is important to us. HoneePay takes the matters of protection and security of its users' information very seriously. HoneePay's privacy policy governing the Service is attached to these Terms ("Privacy Policy"). The Privacy Policy is incorporated into these Terms by this reference. By using the Service, you agree to the use of your data under HoneePay's Privacy Policy. The Privacy Policy addresses only the personal information processed by HoneePay in providing the Service to you. Merchants and Payment Processors have their own information-gathering practices which apply when you choose to purchase their Products.

Product inquiries should be submitted to the relevant Merchant. If you have any questions, concerns or requests related to a Product you have purchased from a Merchant, please contact the Merchant directly or contact us at business@honeepay.com for assistance. Each Merchant maintains its own customer contact desk for handling such requests, however HoneePay will do its best to assist you. If you wish to submit a complaint about the practices of a Merchant offering its Products via the Service, you may contact us by email at business@honeepay.com.

You must not use the Service to violate any laws. You must not use the Service to violate or infringe the rights of any other person, including the rights of other users, HoneePay's rights in the Service or Merchants' rights in their Products. You must not breach any laws or regulations when using the Service or attempt to disrupt or interfere with the security or functionality of the Service. In the event that HoneePay reasonably suspects that you are using the Services for illegal activities (particularly fraud, money laundering or other related illegalities), HoneePay reserves the right to block your account immediately without liability. Such illegalities as mentioned above may be as a result of enacted laws, court judgments, rulings or pronouncements, or regulatory policies and guidelines to which HoneePay is bound. If a breach is associated with your account/wallet, you agree that we have the right to apply restrictions to your account/wallet and report to the appropriate law enforcement agencies or the respective regulator, in line with extant laws without informing you.

HoneePay may contact you regarding your account or the Service. You expressly agree that, as part of the Service, you may, from time to time, receive communications from HoneePay via email, instant message, telephone, text message (SMS), emails or other means. You may elect to stop receiving promotional messages by emailing your request to opt-out, along with your cell phone number, to business@honeepay.com, or following the opt-out instructions in the message. Even if you choose to opt out of receiving promotional messages, you may not opt out of receiving service-related messages as these ensure that we are able to deliver accurate, relevant, sensitive and security-related services to you.

HoneePay may discontinue the Service. HoneePay may, in furtherance of regulatory, time-sensitive and security-related purposes, terminate your access to the Service or discontinue providing the Service or any part of the Service, with due notice to you [or without notice where the suspension or termination is expedient to forestall, curb or extinguish some ongoing fraud, industry-wide compromise or an ongoing financial crime-related investigation]. Rest assured that we will provide as much notice as the circumstance allows, and restore the Service at the earliest convenience. You agree that in the event of the foregoing, HoneePay will not be responsible or liable to you or any third party.

HoneePay is not liable for any damages you may incur as a result of using the Services. In no event shall HoneePay or its suppliers be liable for any direct, indirect, punitive, incidental, special, consequential damages, or any damages whatsoever arising out of, or in any way connected with the use or performance of the service, with the delay or inability to use the service, the provision of (or failure to provide services), or otherwise arising out of the use of the service, whether based on contract, tort, negligence, strict liability, or otherwise, even if HoneePay or any of its suppliers have been advised of the possibility of such damages.

You agree to mediate any disputes. This Agreement is subject to, and shall be governed by, and construed in accordance with the laws of Nigeria, without reference to the principles of conflict of laws thereof. Any matters arising concerning the interpretation, validity or implementation of this Agreement not solved by mutual agreement between the Parties shall be submitted to mediation at the Lagos State Multi-Door Courthouse, in the English language, before a sole mediator to take place in Lagos, Nigeria, unless impractical to do so. Nothing in this Agreement will be deemed as preventing HoneePay from seeking injunctive relief (or any other provisional remedy) from any court having jurisdiction over the Parties and the subject matter of the dispute as is necessary to protect HoneePay's name, proprietary information, trade secrets, know-how, or any other intellectual property rights.

HoneePay may modify these Terms. We may modify these Terms and related policies (including, but not limited to the Privacy Policy) at any time in the future. Where this happens, we will communicate the changes to you. By continuing to use the Service, you agree to be bound by the latest version of these Terms. It is your responsibility to familiarize yourself with the communicated changes.

Alteration. No alteration, variation or agreed cancellation of this agreement, and the Privacy Policy, shall be of any effect unless so directed by us.

Whole Agreement. This Agreement constitutes the whole agreement between the parties in regard to the subject matter hereof and no warranties or representations of any nature whatsoever other than set out in this agreement have been given by any of the parties.

Waiver/Relaxation. No relaxation or indulgence which HoneePay may show to you shall in any way prejudice or be deemed to be a waiver of its rights hereunder.

Survival. Each and every provision of this Agreement (excluding only those provisions which are essential at law for a valid and binding Agreement to be constituted) shall be deemed to be separate and severable from the remaining provisions of this Agreement. If any of the provisions of this Agreement (excluding only those provisions which are essential at law for a valid and binding Agreement to be constituted) is found by any court of competent jurisdiction to be invalid and/or unenforceable then, notwithstanding such invalidity and/or unenforceability, the remaining provisions of this Agreement shall be (and remain) of full force and effect.

Disputes and Arbitration

You agree to arbitrate any disputes. This Agreement is subject to, and shall be governed by, and construed in accordance with the laws of Nigeria, without reference to the principles of conflict of laws thereof. Any matters arising concerning the interpretation, validity or implementation of this Agreement not solved by mutual agreement between the Parties shall be submitted to arbitration in the English language before a sole arbitrator to take place in Lagos, Nigeria as the seat of the arbitration. The arbitration shall be conducted pursuant to the Rules of Arbitration of the Chartered Institute of Arbitrators of the United Kingdom. The arbitral decision shall be final and binding on the Parties and may be made an order of court. The Parties unconditionally consent and submit to the jurisdiction of the High Court of Lagos, Nigeria for such purpose. Nothing in this Agreement will be deemed as preventing HoneePay from seeking injunctive relief (or any other provisional remedy) from any court having jurisdiction over the Parties and the subject matter of the dispute as is necessary to protect HoneePay's name, proprietary information, trade secrets, know-how, or any other intellectual property rights.

Enforcement. If an arbitration process, a court of competent jurisdiction or other competent authority finds any part of this Agreement invalid, unlawful or unenforceable, then such part shall be severed from the remainder of this Agreement which will continue to be valid and enforceable to the fullest extent permitted by law.

Modification. HoneePay may modify these Terms. We may modify these Terms and related policies (including but not limited to the Privacy Policy) at any time in the future. Where this happens, we will communicate the changes to you. By using the Service, you agree to be bound by the latest version of these Terms. It is your responsibility to familiarize yourself with the communicated changes.

Survival. Each and every provision of this Terms (excluding only those provisions which are essential at law for a valid and binding agreement to be constituted) shall be deemed to be separate and severable from the remaining provisions of this Agreement. If any of the provisions of this Terms (excluding only those provisions which are essential at law for a valid and binding agreement to be constituted) is found by any court of competent jurisdiction to be invalid and/or unenforceable then, notwithstanding such invalidity and/or unenforceability, the remaining provisions of this Terms shall be and remain of full force and effect.

Contact. If you have any questions regarding this Terms, please contact us through: business@honeepay.com.