JoJoPay Terms and Conditions

This Terms of Service Agreement (the “Agreement”) describes the terms and conditions on which JoJoPay (hereinafter “JoJoPay”, “we” or “our company”) offer Services (as defined below) to you (“User” or “You”). By registering for or using JoJoPay Services, or accessing or browsing this website, you agree to be bound by the following terms and conditions whether or not you are a registered member of JoJoPay. Your use of the JoJoPay Services may also be governed by the JoJoPay Privacy Policy and other agreements as may be applicable to a particular JoJoPay Service, which are hereby incorporated by reference into this Agreement. We retain the right at our sole discretion to deny access to anyone to our website(s) and the services we offer, at any time and for any reason, including, but not limited to, violation of any term of this Agreement.

For the purposes of this Agreement:

• “User” or “you” means the individual or business entity (including its employees and agents) that is using or registering to use the Services or accessing or browsing this website
• “JoJoPay Services” or “Services” means those electronic or interactive services offered by JoJoPay.

PLEASE READ THESE TERMS OF SERVICE CAREFULLY AS THEY CONTAIN IMPORTANT INFORMATION REGARDING YOUR LEGAL RIGHTS, REMEDIES, AND OBLIGATIONS.

• Eligibility for JoJoPay Services

Our Services are available only to individuals of at least eighteen years old and business entities (including but not limited to sole proprietorships) in good legal standing that can form legally binding contracts and are entitled to subscribe to and access our services under applicable law. A User who is an individual hereby represents and warrants that he/she is at least eighteen years old. A User which is a business entity hereby represents and warrants that it is duly licensed to do business and is in good legal standing in the jurisdictions in which it does business (during the term of this Agreement), and that the person agreeing to this Agreement for such User is at least eighteen years of age and otherwise capable of and authorized to enter binding contracts for such User.

• JoJoPay Services

JoJoPay provides a customer loyalty platform which rewards Users with JoJoPay Points whenever they purchase goods and services from participating Merchants. Users can use these JoJoPay Points in their next purchases, or in purchasing goods and services from other participating Merchants.

The JoJoPay Points in the account of each User increase with every purchase made. Users may also increase their JoJoPay Points by buying JoJoPay Scratchcards and loading up their accounts through other payment schemes.

• Fees

You understand and agree that JoJoPay does not have any control over the participants to the transactions undertaken pursuant to the application or other banks, networks or their subsidiaries, or the procedures or controls they utilize in regard to additional, extra or supplementary charges, rates or fees.

Hence, JoJoPay shall not be liable nor be accountable for any such additional, extra or supplementary charges, rates or fees.

You understand and agree that the transactions coursed through any of these banks, networks or their subsidiaries shall be subject to transaction fees as solely determined by them.

Subject to the terms and conditions of this Agreement, you may access and use the JoJoPay Services for your own personal non-commercial use. JoJoPay reserves the right to change or discontinue any of the Services at any time. JoJoPay likewise reserves the right to exercise whatever lawful means it deems necessary to prevent unauthorized use of the JoJoPay Services, including, but not limited to, technological barriers, IP mapping, and/or directly contacting your Internet service provider regarding such unauthorized use.

• Ownership

The JoJoPay Services are owned and operated by JoJoPay. You acknowledge that all materials (except those uploaded by you and other users) provided on our websites, including but not limited to information, documents, products, logos, graphics, sounds, GUI, software, and services (collectively “Materials”), are provided either by JoJoPay or by their respective third party authors, developers, and vendors (collectively “Third Party Providers”) and the underlying intellectual property rights are owned by JoJoPay and/or its Third Party Providers. Elements of our websites are protected by intellectual property laws and may not be copied or imitated in whole or in part. JoJoPay, the JoJoPay logo, and other JoJoPay products referenced herein are trademarks of JoJoPay, and may be registered in certain jurisdictions. All other product names, company names, marks, logos, and symbols may be the trademarks of their respective owners. All rights to the same are hereby reserved

• User Information

User represents and warrants that the information it provides in JoJoPay contact information forms is true, accurate, current, and complete. User agrees to maintain and update this information to ensure that it is true, accurate, current, and complete. If, at any time, any information provided by User is untrue, inaccurate, not current, or incomplete, JoJoPay will have the right to suspend, restrict, or terminate User’s account and this Agreement.

• User Account
• Membership Accounts

User may become a registered member (“Member”) by entering into a membership agreement with JoJoPay or other relevant agreements of JoJoPay from time to time. Members are limited to one free account per person or business entity. Your JoJoPay account is solely for your own personal use and benefit. Notwithstanding the above, you acknowledge that JoJoPay reserves the right to charge for any portion of the JoJoPay Services and to change its fees (if any) from time to time in its sole discretion.
You are solely responsible for your interactions with other Members. JoJoPay reserves the right, but has no obligation, to resolve or arbitrate disputes between you and other Members, including, but not limited to, the suspension or termination of the account of either or both Members.

• Authorized Users

For business accounts, You may designate persons to act as your agents to use the Services, provided that each designated person has the legal capacity to enter into binding contracts or you. Furthermore, you represent and warrant that each person who registers under your account is your authorized agent (an “Authorized User”) who has such legal capacity.

• Responsibility for Access

You are solely responsible for maintaining the confidentiality of your access information (i.e., account IDs and passwords) and for restricting access to your computer, and you agree to accept responsibility for all activities, actions, incidents, and damages that occur under your account or password.

• Notification of Unauthorized Use

If you have reason to believe that your account is no longer secure (e.g., in the event of a loss, theft, or unauthorized disclosure or use of your account ID, password, or any credit, debit, or charge card number, if applicable), then you agree to immediately notify JoJoPay.

• Identity Authentication

You authorize JoJoPay, directly or through third parties, to make any inquiries we consider necessary to validate your identity. This may include asking you for further information, requiring you to provide your date of birth, a taxpayer identification number, and other information that will allow us to reasonably identify you, requiring you to take steps to confirm ownership of your email address or financial instruments, ordering a credit report, or verifying your Information against third party databases or through other sources. We may also ask to see your driver’s license or other identifying documents at any time. JoJoPay reserves the right to close, suspend, or limit access to your account and/or the JoJoPay Services in the event we are unable to obtain or verify this information.

• Errors

In the event of an error, whether computer or human error, or whether via our Services, in processing your transaction, or otherwise, we reserve the right to correct such error and revise your transaction accordingly (including charging the correct price) or to cancel the transaction and refund any amount received.

If you think we have made an error, email us at support@jojopay.io. In your correspondence, you must give us information sufficient to identify you, your account, and the transaction on which you believe an error occurred. You must contact us within thirty (30) days after the transaction occurred. Within thirty (30) days of receiving your request, we must either correct the error or explain to you why we believe the transaction was correct.

• JoJoPay’s Intellectual Property Policy

JoJoPay respects artist and content owner rights. Thus, it is JoJoPay’s policy to respond to notices of alleged infringement. JoJoPay will promptly terminate without notice any User’s access to the Services if that User is determined in the sole discretion of JoJoPay to be a “repeat infringer.” For purposes of this provision, a repeat infringer is a User who has been notified by JoJoPay of infringing activity violations more than twice.
You agree not to use the JoJoPay site or the Services to transmit, route, provide connections to, or store any material that infringes copyrighted works or otherwise violates or promotes the violation of the intellectual property rights of any third party.

• Acceptable Use

You agree to comply with all applicable local, national and foreign laws, treatises, and regulations in connection with your use of the Services. By using the JoJoPay Services, you further agree not to:

• use the Services in any manner not permitted by this Agreement;
• circumvent, disable, or interfere with security-related features of the Services or features that prevent or restrict use or copying of any content therein;
• rent, lease, loan, sell, resell, sublicense, distribute, or otherwise transfer the Services granted herein;
• delete the copyright or other proprietary rights on the JoJoPay Services;
• make unsolicited offers, advertisements, proposals, or send junk mail or spam to other Members or Users. This includes, but is not limited to, unsolicited advertising, promotional materials, or other solicitation material, bulk mailing of commercial advertising, chain mail, informational announcements, charity requests, and petitions for signatures;
• use the JoJoPay Services for any illegal purpose, or in violation of any local, national, or foreign law, including, without limitation, laws governing intellectual property and other proprietary rights, and data protection and privacy;
• reverse engineer, decompile, disassemble, or otherwise attempt to discover the source code of the JoJoPay Services or any part thereof, except and only to the extent that such activity is expressly permitted by applicable law notwithstanding this limitation;
• attempt to gain access to any account or computer resource not belonging to you without authorization from the owner (e.g., hacking);
• facilitate any viruses, trojan horses, worms, or other computer programming routines that may damage, detrimentally interfere with, or surreptitiously intercept or expropriate any system, data, or information;
• interfere with the use or enjoyment of the JoJoPay network or Services by other Users or Authorized Users;
• hold JoJoPay, its suppliers, officers, directors, employees, agents, affiliates, or shareholders up to public scorn, ridicule, or defamation;
• remove, modify, disable, block or obscure, or otherwise impair any advertising in connection with the JoJoPay Services;
• circumvent any JoJoPay policy or determination about your account such as, but not limited to, temporary or indefinite suspensions by attempting to create a new or additional JoJoPay account, creating a new or additional JoJoPay account with information belonging to others, using another person’s JoJoPay account, or any other similar acts;
• refuse to cooperate in an investigation or provide confirmation of your identity or any information which you provided to JoJoPay;
• use the Services in a manner that results in or may result in complaints, claims, or any other liability to JoJoPay, other Users, third parties, or you;
• take any action that may cause JoJoPay to lose any of the services of its internet service providers, payment processors, or other suppliers;
• control an account that is linked to another account that is committing any of the foregoing acts;
• encourage or instruct any other individual or entity to do any of the foregoing or to violate any term of this Agreement;
• do anything analogous or similar to the foregoing.
• Disclaimer

YOU EXPRESSLY UNDERSTAND AND AGREE THAT:

• YOUR USE OF THE JOJOPAY SERVICES IS AT YOUR SOLE RISK. JOJOPAY SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. JOJOPAY, ITS SUPPLIERS, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND ASSOCIATES TO THE FULLEST EXTENT PERMITTED BY LAW, DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE JOJOPAY WEBSITE AND SERVICES AND YOUR USE THEREOF, INCLUDING BUT NOT LIMITED TO WARRANTIES OF TITLE, FITNESS FOR A PARTICULAR PURPOSE, MERCHANTABILITY, AND NON-INFRINGEMENT OF PROPRIETARY OR THIRD PARTY RIGHTS. JOJOPAY, ITS SUPPLIERS, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, AND SHAREHOLDERS MAKE NO WARRANTIES ABOUT THE ACCURACY, RELIABILITY, COMPLETENESS, OR TIMELINESS OF OUR SERVICES, SOFTWARE, OR CONTENT;
• JOJOPAY MAKES NO WARRANTY AND ASSUMES NO LIABILITY OR RESPONSIBILITY (I) THAT THE SERVICES WILL MEET YOUR REQUIREMENTS,
  (II) THAT THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE,
  (III) THAT THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICES WILL BE ACCURATE OR RELIABLE,
  (IV) THAT THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SERVICES WILL MEET YOUR EXPECTATIONS,
  (V) THAT ANY ERRORS IN THE SOFTWARE WILL BE CORRECTED;
  (VI) FOR ANY PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF OUR SERVICES OR WEBSITE,
  (VII) FOR ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN,
  (VIII) FOR ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM OUR WEBSITE,
  (IX) FOR ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH OUR WEBSITE BY ANY THIRD PARTY, AND/OR
  (X) FOR ANY ERRORS OR OMISSIONS IN ANY CONTENT OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, EMAILED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA OUR WEBSITES;
• ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICES IS DONE AT YOUR OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL;
• NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US OR THROUGH OR FROM THE SERVICE SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS AND CONDITIONS;
• JOJOPAY SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, CONSEQUENTIAL, INCIDENTAL, OR PUNITIVE DAMAGES, EVEN IF JOJOPAY, ITS SUPPLIERS, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES AND SHAREHOLDERS HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
• YOU ACKNOWLEDGE THAT INFORMATION YOU STORE OR TRANSFER THROUGH OUR SERVICES MAY BECOME IRRETRIEVABLY LOST OR CORRUPTED OR TEMPORARILY UNAVAILABLE DUE TO A VARIETY OF CAUSES, INCLUDING SOFTWARE FAILURES, PROTOCOL CHANGES BY THIRD PARTY PROVIDERS, INTERNET OUTAGES, FORCE MAJEURE EVENT OR OTHER DISASTERS INCLUDING THIRD PARTY DDOS ATTACKS, SECURITY BREACH, SCHEDULED OR UNSCHEDULED MAINTENANCE, OR OTHER CAUSES EITHER WITHIN OR OUTSIDE OUR CONTROL. YOU ARE SOLELY RESPONSIBLE FOR BACKING UP AND MAINTAINING DUPLICATE COPIES OF ANY INFORMATION YOU STORE OR TRANSFER THROUGH OUR SERVICES.

Some jurisdictions do not allow for the exclusion of certain warranties or conditions or the limitation or exclusion of liability for loss or damage caused by negligence, breach of contract or breach of implied terms, or incidental or consequential damages, so the limitations or exclusions of liability in this Agreement above may not apply to you.

• Indemnity

You agree to defend, indemnify, and hold harmless JoJoPay, its affiliates, and/or their respective suppliers, officers, directors, employees and agents, from and against any reversals, chargebacks, claims, fees, actions or demands, recoveries, losses, damages, fines, penalties, including without limitation reasonable legal fees, alleging or resulting from your use of the Services, or your violation of the rights of a third party or your breach of this Agreement or your warranties herein or other JoJoPay policies, terms and conditions.

• Limitation of Liability

Your use of the Services is at your own risk. If you are dissatisfied with any aspect of our Services or with these terms and conditions, or any other rules or policies, your sole remedy is to discontinue use of the Services or termination of your membership. You expressly understand and agree that JoJoPay shall not be liable for any direct, indirect, incidental, special, consequential exemplary damages, including but not limited to, damages for loss of profits, goodwill, use, data, or other intangible losses (even if we have been advised of the possibility of such damages), resulting from:
(a) the use or the inability to use the Services;
(b) the cost of procurement of substitute goods and services resulting from any goods, data, information, or services purchased or obtained or messages received or transactions entered into through or from the Services;
(c) unauthorized access to or alteration of your transmissions or data;
(d) statements or conduct of any third party on the service; or
(e) any other matter relating to the Services.

• Modifications to Agreements, Policies, or to our Services

We reserve the right to change this Agreement at any time without notice. We also reserve the right at any time to modify or discontinue the Services, temporarily or permanently, with or without notice to you. You agree that we shall not be liable to you or any third party for any modification, suspension, or discontinuance of the Services. Further, you acknowledge that JoJoPay may change applicable subscription fees in Schedule “A” at any time without notice. Changes in subscription fees will take effect on expiration of any existing subscription.

• Termination
• Suspension or Termination by JoJoPay

Without prejudice to other remedies which JoJoPay may have, JoJoPay may immediately issue a warning, suspend (i.e., lock out access and operation of Services for User) or restrict either temporarily or indefinitely, or terminate User’s account and refuse to provide Services to User if:
(a) JoJoPay believes that User has violated or acted inconsistently with this Agreement, or any of our policies; or
(b) User has failed to pay fees or other payments due to JoJoPay; or
(c) JoJoPay is unable to verify or authenticate any information User provides to JoJoPay; or
(d) JoJoPay believes that User’s actions may cause legal liability for User, JoJoPay’s other clients, or JoJoPay.
JoJoPay may also in its sole discretion and at any time discontinue providing the Services, or any part thereof, with or without notice. You agree that any termination of your access to the Services under any provision of these terms and conditions may be effected without prior notice, and acknowledge and agree that JoJoPay may immediately deactivate, archive, or delete your account and all related information and data and/or any further access to such data or the Service. Further, you agree that JoJoPay shall not be liable to you or any third-party for any termination of your access to the Services.

• Termination by User

You may terminate this agreement by following the instructions in the JoJoPay site. Upon termination, we will cancel any pending transactions.

• Effect of Termination

Upon termination of this Agreement by either User or JoJoPay, all of User’s rights under this Agreement, and JoJoPay’s provision of Services, shall terminate immediately.

• Third Party Websites and Information

Our website(s) may provide hyperlinks to third party websites or access to third party content. JoJoPay does not control, endorse, guarantee, or assume responsibility for any content, product, or service found in such third-party websites through our websites or any hyperlinked website or featured in any banner or other advertising. You agree that JoJoPay is not responsible for any content, associated links, resources, or services associated with a third-party website and JoJoPay will not be a party to or in any way be responsible for monitoring any transaction between you and third-party providers of products or services. As with the purchase of a product or service through any medium or in any environment, you should use your best judgment and exercise caution where appropriate. You further agree that JoJoPay shall not be liable for any loss or damage of any sort associated with your use of third-party content. Links and access to these third-party websites are provided for your convenience only.

• Arbitration

YOU AND JOJOPAY AGREE THAT, EXCEPT AS MAY OTHERWISE BE PROVIDED IN REGARD TO SPECIFIC SERVICES ON THE SITE IN ANY SPECIFIC TERMS APPLICABLE TO THOSE SERVICES, OR UPON REQUEST BY JOJOPAY FOR RESOLUTION AT ANY OTHER FORUM AT JOJOPAY’S SOLE DISCRETION, THE SOLE AND EXCLUSIVE FORUM AND REMEDY FOR ANY AND ALL DISPUTES AND CLAIMS RELATING IN ANY WAY TO OR ARISING OUT OF THIS AGREEMENT, THE SITE, AND/OR THE SERVICE (INCLUDING YOUR VISIT TO OR USE OF THE SITE AND/OR THE SERVICE) SHALL BE FINAL AND BINDING ARBITRATION, except that to the extent that either of us has in any manner infringed upon or violated or threatened to infringe upon or violate the other party’s patent, copyright, trademark, or trade secret rights, or you have otherwise violated any of the user policy or conduct rules set forth above then the parties acknowledge that arbitration is not an adequate remedy at law and that injunctive or other appropriate relief may be sought. Arbitration under this Agreement shall be conducted by the Philippine Dispute Resolution Center, Inc. (PDRCI).The language of the arbitration shall be English. The arbitrator’s award shall be binding and may be entered as a judgment in any court of competent jurisdiction. To the fullest extent permitted by applicable law and except as otherwise approved by JOJOPAY, NO ARBITRATION OR CLAIM UNDER THESE TERMS OF USE SHALL BE JOINED WITH ANY OTHER ARBITRATION OR CLAIM, INCLUDING ANY ARBITRATION OR CLAIM INVOLVING ANY OTHER CURRENT OR FORMER USER OF THE SERVICE, AND NO CLASS ARBITRATION PROCEEDINGS SHALL BE PERMITTED.

• Miscellaneous

These terms and conditions will be governed by and construed in accordance with the laws of the PHILIPPINES, excluding that body of law governing conflict of laws. Any legal action or proceeding not subject to arbitration, relating to or arising out of these Terms or your use of our websites will be brought in the proper courts in the PHILIPPINES, and you submit to the venue and personal jurisdiction of such court and waive all defenses of lack of personal jurisdiction and forum non convenience with respect to venue and jurisdiction in PHILIPPINES. If any provision of this Agreement is held to be invalid or unenforceable, such provision will be enforced to the greatest extent possible and the remaining provisions will remain in full force and effect. Headings are for reference purposes only and in no way define, limit, construe, or describe the scope or extent of such section. JoJoPay’s failure to act with respect to a breach by User or others does not waive JoJoPay’s right to act with respect to subsequent or similar breaches. No action by User arising under this Agreement may be brought at any time more than twelve (12) months after the facts occurred upon which the cause of action arose.

• Assignment

User may not assign any of its rights, or delegate any of its duties under this Agreement, and any attempted assignment will be null and void. JoJoPay may assign any of its rights or obligations without notice and/or restriction.

• Force Majeure

If any provision of this Agreement is held to be invalid or unenforceable, such provision shall be struck out, as narrowly as possible, and the remaining provisions shall be enforced. Headings are for reference purposes only and in no way define, limit, construe or describe the scope or extent of such section. This Agreement is prepared and executed in the English language. The English language version shall govern the parties’ relationship. Any translation of this Agreement into other languages shall be for informational purposes and shall have no legal effect.

• JoJoPay Confidential Information

You represent and warrant to JoJoPay that (a) you shall keep publicly unannounced information and materials pertaining to JoJoPay, pre-release software, testing or testing procedures strictly confidential, and (b) you shall not use any information gained from access to the JoJoPay websites or use of the JoJoPay Services to compete with JoJoPay in its business.

• Entire Agreement

Except for other agreements or terms appearing on our websites, this Agreement sets forth the entire understanding and agreement between us with respect to the subject matter hereof.

• Additional Information

Any questions relating to our Legal Agreements and Policies may be directed to legal@jojopay.io .