TERMS AND CONDITIONS

Enforcement & Amendments

These Terms of Use constitute a binding agreement between Payd.ng and the user as soon as the user visits the Website and uses Services. By doing so, the user confirms that he has read and accepted these Terms of Use in their entirety before trading on the platform. The user accepts that Terms of Use may be updated by Payd.ng occasionally. If the user does not read and accept the Terms of Use in its entirety he should not use or continue using the Services. We reserve the right to alter, amend or modify these Terms occasionally, in our sole discretion. We will provide you with notice of such changes by sending an e-mail, providing notice on the homepage of the Website and/or by posting the amended Terms via our Website and updating the "Last Updated" date at the top of these Terms. The amended Terms will be deemed effective immediately upon posting on Website.

AML and KYC procedure

Payd.ng reserves the right to apply the AML/KYC procedure to particular users, addresses and particular transactions of Crypto assets.

Provided Services

Our Services provide you with a possibility to Exchange Crypto to Naira. For the purposes hereof "Exchange" shall mean an exchange of Crypto at the terms and conditions set forth by exchanging parties, which is executed via the Third-party service in respective of networks. When you exchange Crypto you acknowledge and agree that the Exchange will be processed through the third-party exchange service. You acknowledge and agree that the exchange rates information made available via the Services are an estimation only and may differ from prevailing rates. "Crypto Assets" herein shall be deemed as type of assets which can only and exclusively be transmitted by means of digital chain technology, including but not limited to digital cards and digital tokens and any other type of digital mediums of exchange, such as Steam Card, Vanilla Cards, Google Cards, Amazon Cards etc, to the full and absolute exempt of the securities of any kind.

Eligibility

Before your use of the Services and on an ongoing basis you represent, warrant, covenant and agree that: 1. You use our Services at your sole option, discretion and risk; 2. you are solely responsible for any applicable taxes which may be payable while using our Services; 3. you are at least 18 years old or of other legal age, according to your relevant jurisdiction; 4. you guarantee that your Crypto belong to you and they are not sold, encumbered, not in contention, or under seizure, and that neither exist any rights of third parties to your Crypto assets; You further represent, agree and warrant, that you will not violate any law, contract, third-party right or commit a tort by accessing or using the Services, and that you are solely responsible for your actions and/or inactions while using our Services.

Intellectual Property

All our intellectual property assets ("IP") including but not limited to all copyrights, trademarks, patents, service marks, trade names, software code, icons, logos, characters, layouts, trade secrets, buttons, colour scheme and graphics are protected by local and international intellectual property laws and treaties. We hereby grant you a limited, nonexclusive and non-sub licensable license to access and use our IP for your personal use only. In any case you may not alter, modify, reproduce, distribute or commercially exploit any materials, including text, graphics, video, audio, software code, user interface design or logos. The license granted under this Section will automatically terminate if We suspend or terminate your access to the Services. In case you upload or share any feedback, suggestion, idea or other information or material ("Content") with us you automatically grant us a worldwide license to use your content. It becomes part of the public domain as long as it remains on our Website and Services. It can be used for marketing or any other purposes at our sole discretion.