Welcome to Mypal! These Terms and Conditions ("Terms") govern your use of our website, mobile application, and services (collectively, the "Services"). By accessing or using our Services, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not use our Services. Acceptance of Terms By accessing and using our Services, you agree to comply with and be bound by these Terms and all applicable laws and regulations. If you do not agree to these Terms, you are prohibited from using or accessing our Services. Changes to Terms We reserve the right to modify these Terms at any time. Any changes will be effective immediately upon posting on our website. Your continued use of our Services after any changes constitutes your acceptance of the revised Terms. Use of Services Eligibility: You must be at least 18 years old to use our Services. By using our Services, you represent and warrant that you meet this age requirement. Account Registration: To access certain features of our Services, you may need to create an account. You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete. Account Security: You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account. User Conduct You agree not to use our Services for any unlawful or prohibited purpose. You agree not to: Violate any applicable laws or regulations. Infringe upon or violate our intellectual property rights or the intellectual property rights of others. Engage in any conduct that could harm or disrupt our Services or the servers and networks connected to our Services. Impersonate any person or entity or falsely state or otherwise misrepresent your affiliation with a person or entity. Use any robot, spider, scraper, or other automated means to access our Services for any purpose without our express written permission. Content Your Content: You retain ownership of any content you submit, post, or display on or through our Services. By submitting content, you grant us a non-exclusive, worldwide, royalty-free, and transferable license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content. Our Content: All content provided through our Services, including text, graphics, logos, images, and software, is the property of Mypal or our licensors and is protected by copyright, trademark, and other intellectual property laws. You may not use, reproduce, distribute, or create derivative works of our content without our prior written consent. Privacy Your use of our Services is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information. By using our Services, you agree to the terms of our Privacy Policy. Third-Party Links Our Services may contain links to third-party websites or services that are not owned or controlled by Mypal. We are not responsible for the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that Mypal shall not be liable for any damage or loss caused or alleged to be caused by or in connection with your use of any third-party websites or services. Disclaimers No Warranty: Our Services are provided on an "as-is" and "as-available" basis. We make no warranties, express or implied, regarding the operation or availability of our Services or the information, content, materials, or products included on our Services. Limitation of Liability: To the fullest extent permitted by law, Mypal shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from (i) your use of or inability to use our Services; (ii) any unauthorized access to or use of our servers and/or any personal information stored therein; and (iii) any bugs, viruses, trojan horses, or the like that may be transmitted to or through our Services by any third party. Indemnification You agree to indemnify, defend, and hold harmless Mypal, its officers, directors, employees, agents, and affiliates, from and against any and all claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees and costs, arising out of or in any way connected with your access to or use of our Services, your violation of these Terms, or your infringement of any intellectual property or other rights of any third party. Termination We reserve the right to terminate or suspend your access to our Services, without prior notice or liability, for any reason, including if you breach these Terms. Upon termination, your right to use our Services will immediately cease. Governing Law These Terms shall be governed by and construed in accordance with the laws of Nigeria, without regard to its conflict of law principles. Any legal action or proceeding arising under these Terms will be brought exclusively in the federal or state courts located in Nigeria, and you hereby consent to the personal jurisdiction and venue therein. Severability If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions of these Terms will remain in full force and effect. Entire Agreement These Terms constitute the entire agreement between you and Mypal regarding the use of our Services and supersede any prior agreements between you and Mypal relating to your use of our Services. Contact Us If you have any questions or concerns about these Terms, please contact us at: info@-mi-pal.com By using Mypal, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. Thank you for choosing Mypal! Effective Date: 01 - 08 - 2024