Welcome to Naira.com. Naira.com reserves the right to change the terms and conditions and it is your responsibility to check for updates. Your access to and continued use of Naira.com constitutes your acceptance of and compliance with the following provisions below. The last revision date for these terms and conditions was 15th April, 2009 To proceed further with the registration process you must; agree with, and accept all of the terms and conditions contained in this Agreement and the Privacy Policy. The terms and conditions are expressly set out below.

 Reserved Rights and Grant of Limited License

 Copyright © 2009 Chams Plc. All rights reserved.

Chams Plc owns the intellectual property rights, including copyright, or has acquired the necessary licenses, in the information, including all text, HTML code, multimedia clips, images, graphics, icons, Java code, and the selection and arrangement of the contents of Naira.com (collectively the "Information"). As a user of the Site, you are granted a limited license to access and to use (display or print) short extracts of the Information for your own personal non-commercial use only, provided the Information is not modified and you shall be fully responsible for any consequences resulting from such use. Any other use of the Information is prohibited. None of the Information may be otherwise reproduced, republished, re-disseminated, downloaded (other than page caching), modified in any manner or form without the express prior written consent of Chams Plc. You may not use any meta tags or any other "hidden text" utilizing Chams Plc's name, logos or trademarks without the express written consent of Chams Plc. Any unauthorized use terminates the permission or license granted by Chams Plc in terms hereof. Chams Plc will take appropriate legal action to enforce its rights.

No part of the Site should be taken to constitute an offer or solicitation to buy or sell products or services. Some products or services mentioned on the Site may only be available in certain areas or jurisdictions.Any products or services mentioned on the Site are made available in accordance with local law and only where they may be lawfully offered for sale

The Site may contain links to other sites. These links are provided as references to help you identify and locate other Internet resources that may be of interest. These other sites were independently developed by parties other than Chams Plc, and Chams Plc does not assume responsibility for the accuracy or appropriateness of the information contained at such sites. In providing links to other sites, Chams Plc is in no way acting as a publisher or disseminator of the material contained on those other sites and does not seek to control the content of, or maintain any type of editorial control over such sites. A link to another site should not be construed to mean that Chams Plc is affiliated or associated with, or is legally authorized to use any trademark, trade name, logo or copyrighted symbol that may be reflected in the link or the description of the link to such other sites.The mention of another party or its product or service on the Site should not be construed as an endorsement by Chams Plc of that party or its product or service.

Chams Plc is not responsible for any direct, indirect, special, incidental or consequential damage or any other damages whatsoever and howsoever caused, arising out of or in connection with the use of the Site or in reliance on the information available on the Site, including but not limited to, any loss of use, lost data, lost business profits, business interruption, personal injury, or any other pecuniary loss, whether the action is in contract, delict (including negligence) or other delictual action. Chams Plc disclaims any liability for unauthorized use or reproduction of any portion of the Site.

Certain words, phrases, names, designs or logos used on the Site may constitute trademarks, service marks or trade names of Chams Plc or other entities. The display of any such marks or names on the Site does not imply that a license has been granted by Chams Plc or other entities for use thereof.

Except the use of encryption, the Internet is not a secure medium and privacy cannot be ensured. Internet e-mail is vulnerable to interception and forging. Chams Plc will not be responsible for any damages you or any third party may suffer as a result of the transmission of confidential information that you make to Chams Plc through the Internet, or that you expressly or implicitly authorize Chams Plc to make, or for any errors or changes made to any transmitted information.

While every effort is made to ensure that all information provided at the Site does not contain computer viruses, you should take reasonable and appropriate precautions to scan for computer viruses and should ensure that you have a complete and current backup of the applicable items of information contained on your computer system. You should pay specific attention to some of the newer viruses that have been written to automatically execute when an infected word processing document is loaded into certain word processing programs.

You agree that your use of the Site shall not violate any applicable local, national or international law, including but not limited to any regulations having the force of law. Some jurisdictions may have restrictions on the use of the Internet by their residents. You agree not to impersonate another person in your use of the Site or the sending of any e-mail to an address listed on the Site.

The law of the Federal Republic of Nigeria shall govern as to the interpretation, validity and effect of this agreement notwithstanding any conflict of law"s provisions or your domicile, residence or physical location. You hereby consent and submit to the non-exclusive jurisdiction of the courts of the Federal Republic of Nigeria in any action or proceeding instituted under or related to this agreement.

Save for the provisions of clause (r) below, all information submitted to Chams Plc via the Site shall be deemed and remain the property of Chams Plc and Chams Plc shall be free to use, for any purpose, any ideas, concepts, know-how or other techniques contained in information provided to Chams Plc through the Site or sent through e-mail. Chams Plc shall not be subject to any obligations of confidentiality regarding any such information submitted to it unless specifically agreed by Chams Plc or required by law.You agree that any information submitted for inclusion at the Site does not infringe on the intellectual property or other rights of any third parties and you grant Chams Plc a right to provide access to the information from the Site. You warrant that any software submitted to Chams Plc shall be free of computer viruses.

This Site is provided on an "as is" and "as available" basis. You should not assume that the Site will be error-free or that the Site will operate without interruption. Chams Plc makes no representations or warranties of any kind, express or implied, as to the operation of this Site or the information, content, materials or products included on this Site. You expressly agree that the use of this Site is at your sole risk. To the full extent permitted by applicable law, Chams Plc disclaims all warranties, express or implied. Chams Plc does not warrant that this Site, its servers, or e-mails sent from it are free of viruses or other harmful code. Chams Plc will not be liable for any damages of any kind arising from the use of this Site, including, but not limited to direct, indirect, incidental, punitive and / or consequential.

Chams Plc accepts no responsibility should you be debited more than once as a result of you clicking more than once.

Whilst Naira.com is a secure system, Chams Plc is not liable for any damages whatsoever and howsoever arising as a result of any stolen or lost user data, or the unauthorized use of such user data.

Due to varying credit card levies imposed by the banking and credit card industry, Chams Plc will enforce and abide by any payment ceilings imposed by the respective Receivers.

Should you pay an incorrect amount using to the Naira.com System, Chams Plc has no obligation whatsoever to rectify this error, or to assist you in any way in rectifying such error.

The Payment Service is offered to you free of charge.

Chams Plc provides an on-line backup and call center service 9 am - 6 pm daily, Monday to Friday, excluding Public Holidays.

Subject to the provisions of clause (j) above, Chams Plc shall not use information posted by you on this Site for any reason whatsoever, nor divulge same to any third party, save as may be required by Chams Plc in dealing with any payment or user .

By clicking on the "I agree" button or by registering to use our service, you agree to be bound by the terms & conditions of this Agreement.This "terms and conditions" is a contract between you and Chams Plc the owner of Naira.com and apply to your use of the Naira.com payment service and any related products and services available through Naira.com. If you do not agree to be bound by the terms and conditions of this Agreement, please do not use or access our Services.