Terms & Conditions
None of the Site content (other than the information you receive from GemPay Professionals) should be considered proper financial advice or an endorsement, representation, or warranty that any particular procedure is safe, appropriate, or effective for you.
When you register on the Site, you are required to create an account (“Account”) by entering your name, email address, password, and certain other information collected by GemPay (collectively “Account Information”). To create an Account, you must be of legal age to form a binding contract. If you are not of legal age to form a binding contract, you may not register to use our Services. You agree that the Account Information you provide to us at all times, including during registration and in any information you upload to the Site, will be true, accurate, current, and complete. You may not transfer or share your Account password with anyone or create more than one account. You are responsible for maintaining the confidentiality of your Account password and for all activities that occur under your account. GemPay reserves the right to take any action as it deems necessary or reasonable regarding the Site’s security and your Account Information. In no event and under no circumstances shall GemPay be held liable to you for any liabilities or damages resulting from or arising out of your use of the Site, your use of the Account Information, or your release of the Account Information to a third party. You may not use anyone else’s account at any time.
Fees and Purchase Terms.
You agree to pay all fees or charges to your account following the fees, charges, and billing terms in effect when a fee or charge is due and payable. By providing GemPay with your credit card number, bank details, and associated payment information, you agree that GemPay is authorized to immediately invoice your account for all charges due and payable to GemPay hereunder and that no additional notice or consent is required.
If you do not have insurance coverage for Services, or if your coverage is denied, you acknowledge and agree that you shall be personally responsible for all incurred expenses. GemPay offers no guarantee that you shall receive any such reimbursement.
You may deactivate your account and end your registration at any time, for any reason, by sending an email to ContactUs@gempay.io. We may suspend or terminate your use of the Site, your account, and/or registration for any reason at any time. Subject to applicable law, reserve the right to maintain, delete or destroy all communications and materials posted or uploaded to the Site under its internal record retention and/or content destruction policies. After such termination, GemPay will have no further obligation to provide the Services, except to the extent we are obligated to provide you access to your records or GemPay Professionals are required to provide you with continuing care under their applicable legal, ethical, and professional obligations to you.
Right to Modify.
DISCLAIMER OF WARRANTIES.
YOU EXPRESSLY AGREE THAT THE USE OF THE SITE OR SERVICES IS AT YOUR SOLE RISK. BOTH THE SITE AND SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. GEMPAY EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR USE OR PURPOSE, NON-INFRINGEMENT, TITLE, OPERABILITY, CONDITION, QUIET ENJOYMENT, VALUE, ACCURACY OF DATA AND SYSTEM INTEGRATION.
LIMITATION OF LIABILITY.
YOU UNDERSTAND THAT TO THE EXTENT PERMITTED UNDER APPLICABLE LAW, IN NO EVENT WILL GEMPAY PROFESSIONALS OR THEIR RESPECTIVE SHAREHOLDERS, OFFICERS, EMPLOYEES, DIRECTORS, PARENTS, SUBSIDIARIES, AFFILIATES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF REVENUES, PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE OR THE SERVICES, REGARDLESS OF WHETHER SUCH DAMAGES ARE BASED ON CONTRACT, TORT (INCLUDING NEGLIGENCE AND STRICT LIABILITY), WARRANTY, STATUTE OR OTHERWISE. To the extent that we may not, as a matter of applicable law, disclaim any implied warranty or limit its liabilities, the scope and duration of such warranty and the extent of our liability will be the minimum permitted under such applicable law.
GemPay makes no representation that all products, services, and/or material described on the Site or the Services available through the Site are appropriate or available for use in locations outside Nigeria or all states and territories within Nigeria.
All GemPay Professionals performing licensed services on the Site hold the professional licenses issued by the professional licensing boards or agencies in the states where they practice. You can report a complaint relating to the services provided by a GemPay Professional by contacting the professional licensing board in the state where the services were received. In a professional relationship, sexual intimacy is never appropriate and should be reported to the board or agency that licenses, registers, or certifies the licensee.
WE WILL NOT BE LIABLE FOR ANY INFORMATION, SOFTWARE, OR LINKS FOUND AT ANY OTHER WEBSITE, INTERNET LOCATION, OR SOURCE OF INFORMATION, NOR FOR YOUR USE OF SUCH INFORMATION, SOFTWARE, OR LINKS, NOR FOR THE ACTS OR OMISSIONS OF ANY SUCH WEBSITES OR THEIR RESPECTIVE OPERATORS.
Certain of the names, logos, and other materials displayed on the Site or in the Services may constitute trademarks, trade names, service marks, or logos (“Marks”) of GemPay or other entities. You are not authorized to use any such Marks without the express written permission of GemPay Ownership of all such Marks. The goodwill associated in addition to that remains with us or those other entities.
Privacy and Communications.
Additionally, the information you provide to your GemPay Professional is legally confidential, except for certain legal exceptions. We devote considerable effort toward ensuring that your personal information is secure.
As part of providing you with the Services, we may need to provide you with certain communications such as appointment reminders, service announcements, privacy notices, administrative messages, and other communications about the Services (“Communications”). These communications are considered part of the Services and your account.
SMS messages Terms and Conditions
The number of SMS messages we send as part of our Communications will depend on the frequency of your use of the Services. You can stop receiving SMS messages at any time by texting “STOP” to 91892. If you send the message “STOP” to us, we will send you a reply message to confirm that you have been unsubscribed from SMS messages. After this, you will no longer receive SMS messages from us. If you text “HELP” to us, we will reply with instructions on how to receive SMS messages and how to unsubscribe from SMS messages.
AT&T, Verizon Wireless, Sprint, T-Mobile, US Cellular, Boost Mobile, MetroPCS, Virgin Mobile, Alaska Communications Systems (ACS), Appalachian Wireless (EKN), Bluegrass Cellular, Cellular One of East Central, IL (ECIT), Cellular One of Northeast Pennsylvania, Cricket, Coral Wireless (Mobi PCS), COX, Cross, Element Mobile (Flat Wireless), Epic Touch (Elkhart Telephone), GCI, Golden State, Hawkeye (Chat Mobility), Hawkeye (NW Missouri), Illinois Valley Cellular, Inland Cellular, iWireless (Iowa Wireless), Keystone Wireless (Immix Wireless/PC Man), Mosaic (Consolidated or CTC Telecom), Nex-Tech Wireless, NTelos, Panhandle Communications, Pioneer, Plateau (Texas RSA 3 Ltd), Revol, RINA, Simmetry (TMP Corporation), Thumb Cellular, Union Wireless, United Wireless, Viaero Wireless, and West Central (WCC or 5 Star Wireless).
T-Mobile is not liable for delayed or undelivered messages.
Message and data rates may apply for any messages sent to you from us and to us from you. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.
GemPay devotes considerable effort to optimizing signal strength and diagnosis deficiencies but is not responsible for your mobile device’s internet or data bandwidth and signal.
The Digital Millennium Copyright Act of 1998 (the “DMCA”) provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under US copyright law. If you believe in good faith that materials appearing on the Site infringe your copyright, you (or your agent) may send us a notice requesting that the material be removed or access to it blocked. In addition, if you believe in good faith that a notice of copyright infringement has been wrongly filed against you, the DMCA permits you to send us a counter-notice. Notices and counter-notices must meet statutory requirements imposed by the DMCA. One place to find more information is the US Copyright Office Website, currently located at https://www.loc.gov/copyright. GemPay has designated an agent to receive notification of alleged copyright infringement under the DMCA. Any written Notification of Claimed infringement should comply with Title 17, United States Code, Section 512(c)(3)(A) and should be provided in writing to GemVault Fintech (PVT) Ltd. ContactUs@gempay.io.
The personal information we collect or maintain may include:
- Site Activity Information. We track certain actions you take on the Site, such as the content of searches performed on the Site and information that you enter into the Site
- (e.g., your name and email address when signing up for an email newsletter, requesting more information about us and our Services, etc.).
- Access Device and Browser Information. When you access the Site from a computer or other device, we may collect information from that device, such as your Internet protocol address, browser type, connection speed, device model, operating system version, and access times.
- emailing firstname.lastname@example.org.
- Certain features of the Site use GPS technology to collect real-time information about the location of your device so that the Site can connect you to a GemPay Professional who is licensed or authorized to provide services in the state where you are located. Strictly necessary and functionality Cookies are used on our Site to support Site functionality and security. These Cookies collect crash analytics and Site activity data, as well as provide security measures.
- We may collect information from your mobile device or computer, including the type of device used to access the Site, operating system version, and mobile device carrier. This information is used to identify and fix bugs and otherwise improve the performance of the Site.
We may use de-identified information created by us without restriction. When we use the term “de-identified information,” we mean information that is neither used nor intended to be used to personally identify an individual.
Children under age 18.
We may use your personal information for the following purposes:
- To provide you with the Site and full functionality on the Site.
- To notify you when Site updates are available.
- To market and promote the Site and the Services to you.
- To create de-identified information such as aggregate statistics relating to the use of the Site.
- To fulfill any other purpose for which you provide us personal information.
We may also disclose personal information that we collect or you provide:
- To our subsidiaries, affiliates, and associated organizations.
- We use contractors, service providers, and other third parties to support our business and who are bound by contractual obligations to keep personal information confidential.
- As required by the law, which can include the provision of information as required by a court order.
- When we believe in good faith that disclosure is necessary to protect your safety or the safety of others, to protect our rights, to investigate fraud, or to respond to a government request.
- To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of GemPay’s assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information maintained by the Site is among the assets transferred.
- For any other purpose disclosed by us when you provide the information.
Disclosure to Third Parties.
At times GemPay may provide third parties with certain personal information to provide or improve our products and services, including to help us market to consumers.
When we do, we require those third parties to handle it under applicable laws. For example, GemPay does not sell personal information, and personal information will not be shared with third parties for their marketing purposes.
Modification of Information.
Members will be able to update some of their information through the Site. Requests to modify any information may also be submitted to ContactUs@gempay.io.
Limitations on Deletion of Information.
Steps we take to keep your information secure.
We employ reasonable physical, electronic, and managerial security methods to help protect against unauthorized access to personal information, such as encryption. But please be aware that no data transmission over the Internet or data storage facility can be guaranteed to be perfectly secure. As a result, while we try to protect your personal information, we cannot ensure or guarantee any information you transmit to us.
Right to Non-Discrimination.
In addition to the rights above, the California Consumer Privacy Act provides California consumers with the right to obtain from us information about the personal information about you that we collect, use, and disclose. You can exercise your rights by sending an email to ContactUs@gempay.io.
If you choose to exercise your privacy rights, you will not receive discriminatory treatment or a lesser degree of service from us.
If you have questions or concerns about our Privacy Practices or would like to report a violation, please, contact us by emailing us at ContactUs@gempay.io.