Terms of Use

1. Introduction

This website is operated by CardGit. The terms "we", "us", and "our" refer to CardGit. The use of our website is subject to the following terms and conditions of use, as amended from time to time (the "Terms"). The Terms are to be read together by you with any terms, conditions or disclaimers provided in the pages of our website. Please review the Terms carefully. The Terms apply to all users of our website, including without limitation, users who are browsers, customers, merchants, vendors and/or contributors of content. If you access and use this website, you accept and agree to be bound by and comply with the Terms and our Privacy Policy. If you do not agree to the Terms or our Privacy Policy, you are not authorized to access our website, use any of our website's services or place an order on our website.

2. Use of our Website

You agree to use our website for legitimate purposes and not for any illegal or unauthorized purpose, including without limitation, in violation of any intellectual property or privacy law. By agreeing to the Terms, you represent and warrant that you are at least the age of majority in your state or province of residence and are legally capable of entering into a binding contract.

You agree to not use our website to conduct any activity that would constitute a civil or criminal offence or violate any law. You agree not to attempt to interfere with our website's network or security features or to gain unauthorized access to our systems.

You agree to provide us with accurate personal information, such as your email address, mailing address and other contact details in order to complete your order or contact you as needed. You agree to promptly update your account and information. You authorize us to collect and use this information to contact you in accordance with our Privacy Policy.

3. General Conditions

We reserve the right to refuse service to anyone, at any time, for any reason. We reserve the right to make any modifications to the website, including terminating, changing, suspending or discontinuing any aspect of the website at any time, without notice. We may impose additional rules or limits on the use of our website. You agree to review the Terms regularly and your continued access or use of our website will mean that you agree to any changes.

You agree that we will not be liable to you or any third party for any modification, suspension or discontinuance of our website or for any service, content, feature or product offered through our website.

4. Products or Services

All purchases through our website are subject to product availability. We may, in our sole discretion, limit or cancel the quantities offered on our website or limit the sales of our products or services to any person, household, geographic region or jurisdiction.

Prices for our products are subject to change, without notice. Unless otherwise indicated, prices displayed on our website are quoted in US dollars.

We reserve the right, in our sole discretion, to refuse orders, including without limitation, orders that appear to be placed by distributors or resellers. If we believe that you have made a false or fraudulent order, we will be entitled to cancel the order and inform the relevant authorities.

We do not guarantee the accuracy of the colour or design of the products on our website. We have made efforts to ensure the colour and design of our products are displayed as accurately as possible on our website.

5. Links to Third-Party Websites

Links from or to websites outside our website are meant for convenience only. We do not review, endorse, approve or control, and are not responsible for any sites linked from or to our website, the content of those sites, the third parties named therein, or their products and services. Linking to any other site is at your sole risk and we will not be responsible or liable for any damages in connection with linking. Links to downloadable software sites are for convenience only and we are not responsible or liable for any difficulties or consequences associated with downloading the software. Use of any downloaded software is governed by the terms of the license agreement, if any, which accompanies or is provided with the software.

6. User Comments, Feedback, and Other Submissions

You acknowledge that you are responsible for the information, profiles, opinions, messages, comments and any other content (collectively, the "Content") that you post, distribute or share on or through our website or services available in connection with our website. You further acknowledge that you have full responsibility for the Content, including but limited to, with respect to its legality, and its trademark, copyright and other intellectual property ownership.

You agree that any Content submitted by you in response to a request by us for a specific submission may be edited, adapted, modified, recreated, published, or distributed by us. You further agree that we are under no obligation to maintain any Content in confidence, to pay compensation for any Content or to respond to any Content.

You agree that you will not post, distribute or share any Content on our website that is protected by copyright, trademark, patent or any other proprietary right without the express consent of the owner of such proprietary right. You further agree that your Content will not be unlawful, abusive or obscene nor will it contain any malware or computer virus that could affect our website's operations. You will be solely liable for any Content that you make and its accuracy. We have no responsibility and assume no liability for any Content posted by you or any third-party.

We reserve the right to terminate your ability to post on our website and to remove and/or delete any Content that we deem objectionable. You consent to such removal and/or deletion and waive any claim against us for the removal and/or deletion of your Content.

7. Your Personal Information

Please see our Privacy Policy to learn about how we collect, use, and share your personal information.

8. Errors and Omissions

Please note that our website may contain typographical errors or inaccuracies and may not be complete or current. We reserve the right to correct any errors, inaccuracies or omissions and to change or update information at any time, without prior notice (including after an order has been submitted). Such errors, inaccuracies or omissions may relate to product description, pricing, promotion and availability and we reserve the right to cancel or refuse any order placed based on incorrect pricing or availability information, to the extent permitted by applicable law.

We do not undertake to update, modify or clarify information on our website, except as required by law.

9. Disclaimer and Limitation of Liability

You assume all responsibility and risk with respect to your use of our website, which is provided "as is" without warranties, representations or conditions of any kind, either express or implied, with regard to information accessed from or via our website, including without limitation, all content and materials, and functions and services provided on our website, all of which are provided without warranty of any kind, including but not limited to warranties concerning the availability, accuracy, completeness or usefulness of content or information, uninterrupted access, and any warranties of title, non-infringement, merchantability or fitness for a particular purpose. We do not warrant that our website or its functioning or the content and material of the services made available thereby will be timely, secure, uninterrupted or error-free, that defects will be corrected, or that our websites or the servers that make our website available are free of viruses or other harmful components.

The use of our website is at your sole risk and you assume full responsibility for any costs associated with your use of our website. We will not be liable for any damages of any kind related to the use of our website.

In no event will we, or our affiliates, our or their respective content or service providers, or any of our or their respective directors, officers, agents, contractors, suppliers or employees be liable to you for any direct, indirect, special, incidental, consequential, exemplary or punitive damages, losses or causes of action, or lost revenue, lost profits, lost business or sales, or any other type of damage, whether based in contract or tort (including negligence), strict liability or otherwise, arising from your use of, or the inability to use, or the performance of, our website or the content or material or functionality through our website, even if we are advised of the possibility of such damages.

Certain jurisdictions do not allow limitation of liability or the exclusion or limitation of certain damages. In such jurisdictions, some or all of the above disclaimers, exclusions, or limitations, may not apply to you and our liability will be limited to the maximum extent permitted by law.

10. Indemnification

You agree to defend and indemnify us, and hold us and our affiliates harmless, and our and their respective directors, officers, agents, contractors, and employees against any losses, liabilities, claims, expenses (including legal fees) in any way arising from, related to or in connection with your use of our website, your violation of the Terms, or the posting or transmission of any materials on or through the website by you, including but not limited to, any third party claim that any information or materials provided by you infringe upon any third party proprietary rights.

11. Entire Agreement

The Terms and any documents expressly referred to in them represent the entire agreement between you and us in relation to the subject matter of the Terms and supersede any prior agreement, understanding or arrangement between you and us, whether oral or in writing. Both you and we acknowledge that, in entering into these Terms, neither you nor we have relied on any representation, undertaking or promise given by the other or implied from anything said or written between you and us prior to such Terms, except as expressly stated in the Terms.

12. Waiver

Our failure to exercise or enforce any right or provision of the Terms will not constitute a waiver of such right or provision. A waiver by us of any default will not constitute a waiver of any subsequent default. No waiver by us is effective unless it is communicated to you in writing.

13. Headings

Any headings and titles herein are for convenience only.

14. Severability

If any of the provisions of the Terms are determined by any competent authority to be invalid, unlawful or unenforceable, such provision will to that extent be severed from the remaining Terms, which will continue to be valid and enforceable to the fullest extent permitted by law.

15. Overview of the Feature

The feature allows card owners to set up paid appointments or consultations through their CardGit profile. Clients can book appointments, make payments via a payment gateway, and answer custom questions set by the Card Owner. CardGit charges a 5% processing fee on all transactions disburses funds to the Card Owner after the appointment.

16. Eligibility

Card Owners must have a valid CardGit account and provide accurate payment information to receive payments.
Clients must provide accurate payment information to book an appointment. Users must be at least 18 years old.

17. Card Owner Responsibilities

Setup: Card Owners are responsible for accurately configuring their availability, pricing, and custom questions in the CardGit platform.
Payment Information: Card Owners must provide valid and up-to-date payment details for payment disbursement. CardGit is not responsible for delays or errors due to incorrect account information.
Service Delivery: Card Owners must honor scheduled appointments and provide services as agreed with Clients.
Compliance: Card Owners must comply with all applicable laws, including tax obligations related to payments received.

18. Client Responsibilities

Booking: Clients must provide accurate information when booking an appointment, including answers to custom questions set by the Card Owner.
Payment: Clients agree to pay the appointment fee through the the provided payment gateway.
Attendance: Clients must attend the scheduled appointment or notify the Card Owner in advance if unable to attend.

19. Payment Processing

Payment Gateway: All payments are processed through secure payment gateways.
Platform Fee: CardGit deducts a 5% fee from the total payment amount for each transaction.
Payment processing fees: They could be additional charges from payment providers.
Disbursement: Payments (minus the platform fee and payment processing fees) are disbursed to the Card Owner’s designated payment details after the appointment

20. Notification

Card Owners will receive notifications via their CardGit dashboard and email for new bookings, payment, and fund disbursements.
Clients will receive email confirmations for bookings, payments, and appointment details.
CardGit is not responsible for delivery failures due to incorrect email addresses or technical issues beyond our control.

21. Cancellations Rescheduling and Refund

By Card Owners: Card Owners may cancel or request client (person who has booked an appointment) to reschedule appointments.
When a card owner cancel appointments at any time, the client receives 100% full refund.

By Card-owner’s Clients: Clients may cancel or reschedule appointments.
1. If a client cancels the appointment AT LEAST 24 hours before appointment, client receives full refund. However, some card users can mark certain appointments types as non-refundable (express consultations or heavily discounted slots).
2. If client cancels appointment within 12-24 hours before the appointment time, the client receives 50% refund.
3. No refund: If canceled LESS THAN 12 hours before the appointment time, the client does not receive any refund.
4. No-Shows: If a client fails to attend an appointment without prior cancellation, the payment is non-refundable unless otherwise specified by the Card Owner.
5. A client can reschedule once for free with a particular card owner for a particular booking, if done MORE THAN 12 hours before the appointment time. After that, rescheduling counts as a cancellation. (subject to refund policy).
Refunds are processed back to the original payment method.

22. Liability

CardGit’s Role: CardGit acts solely as a platform facilitating appointment scheduling and payment processing. We are not responsible for the quality, delivery, or outcome of services provided by Card Owners.
Disputes: Any disputes between Card Owners and Clients must be resolved directly between the parties. CardGit may assist in facilitating communication but is not liable for resolving disputes.
Technical Issues: CardGit is not liable for technical issues, such as platform downtime or payment processing errors, that are beyond our reasonable control.

23. Prohibited Activities

Users may not:
• Use the Feature for illegal or unauthorized purposes.
• Provide false or misleading information during setup or booking.
• Attempt to bypass CardGit’s payment gateway or processing fees.
• Engage in fraudulent activities, including chargebacks or unauthorized payment reversals.

24. Privacy

CardGit collects and processes personal data in accordance with our Privacy Policy. By using the Feature, you consent to the collection, storage, and sharing of data (e.g., payment details) as necessary to provide the service.

25. Termination

CardGit reserves the right to suspend or terminate access to the Feature for any User who violates these Terms or engages in activities that harm the platform or other Users.

26. Governing Law

Any disputes arising out of or relating to the Terms, the Privacy Policy, use of our website, or our products or services offered on our website will be resolved in accordance with the laws of the Province of Nigeria without regard to its conflict of law rules. Any disputes, actions or proceedings relating to the Terms or your access to or use of our website must be brought before the courts in the City of Lagos, Nigeria and you irrevocably consent to the exclusive jurisdiction and venue of such courts.

27. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of any changes by posting the new Terms on this page.

28. Questions or Concerns

Please send all questions, comments and feedback to us at info@cardgit.com.