TERMS AND CONDITIONS

BY ACCESSING OR USING WWW.NOWORRI.COM OR ANY OF ITS RELATED BLOGS, WEBSITES, APPLICATIONS OR PLATFORMS (COLLECTIVELY, “THE WEBSITE”), OWNED BY NOWORRI FINANCIAL TECHNOLOGY OR ANY OF ITS SERVICES, YOU AGREE THAT YOU HAVE READ, UNDERSTOOD AND AGREE TO BE BOUND TO THE TERMS AND CONDITIONS CONTAINED HEREIN (“TERMS”), IN CONJUNCTION WITH ANY ADDITIONAL NOWORRI TERMS PARTICULARLY APPLICABLE TO YOU AND THE SERVICES YOU UTILISE. ALL RIGHTS IN AND TO THE CONTENT OF THE WEBSITE REMAIN AT ALL TIMES EXPRESSLY RESERVED BY NOWORRI.

PLEASE SEE NOWORRI’S DISTINCT SECTIONS ON PRIVACY, INTELLECTUAL PROPERTY, AND DISCLAIMERS & INDEMNITIES.

PLEASE PAY SPECIFIC ATTENTION TO THE BOLD PARAGRAPHS OF THE NOWORRI TERMS. THESE PARAGRAPHS LIMIT THE RISK OR LIABILITY OF NOWORRI, CONSTITUTES AN ASSUMPTION OF RISK OR LIABILITY BY YOU, IMPOSE AN OBLIGATION BY YOU TO INDEMNIFY NOWORRI OR IS AN ACKNOWLEDGEMENT OF ANY FACT BY YOU.

PLEASE READ THESE TERMS CAREFULLY BEFORE ACCESSING OR USING THE WEBSITE OR SERVICES. NOWORRI WILL ASSUME YOU HAVE READ AND UNDERSTOOD THESE TERMS SHOULD YOU CONTINUE TO ACCESS OR MAKE USE OF THE WEBSITE.

    It is important to note the following:
  1. The terms "user", “you" and “your” are used interchangeably in these Terms and refer to all persons accessing the Website or using the Services for any reason whatsoever. Accordingly, the terms “us”, “our” or “we” refers to Noworri or its possession.
  2. Not all terms are necessarily defined in order.
  3. These terms were last updated on.
INTRODUCTION TO THE WEBSITE AND SERVICES
  1. Noworri Financial Technology provides an online platform providing various services, including but not limited to providing money payment services allowing users to send/receive money to/from other users or non-users in Ghana, Nigeria, Senegal,Tanzania,Uganda (collectively, the “Services”).
  2. These Terms explain the conditions applicable to how users must make use of the Website and the core provisions applicable to a user’s use of any Services derived from Noworri. Depending on the exact Services used, a user may also need to conclude additional agreements with Noworri, which agreements will contain more specific details relating to the exact Service acquired, including exact services and fees to be expected.
  3. In return for using some of the Services available, the user may have to pay a fee to Noworri or another third party (“Fee”), but the same Fee will be detailed to you on the Website before you incur such a Fee, or in any further Service-specific agreement you may conclude with Noworri or another third party.
  4. In order to use the Services, users must register on the Website using the prompted methods and submit any required information to create a user profile.
  5. The Website and these Terms are subject to change without notice. These Terms are updated or amended from time to time and will be effective upon Noworri uploading the amended Terms to the Website. Your continued access or use of the Website constitutes your acceptance to be bound by the Terms, as amended. It is your responsibility to read these Terms periodically to ensure you are aware of any changes.
  6. Unauthorized use of the Website may give rise to a claim for damages and/or be a criminal offense.
USER REGISTRATIONS
  1. In order to make use of the Services, you must complete the necessary registration process detailed on the Website and acquire a Profile. Each user shall have only one (1) Profile and agrees to provide accurate, current and complete information during the registration process and to update such information as and when it changes.
  2. Noworri requires you to submit your full name, email address, residential address,Username and phone number when registering a Profile. Users may then set up additional features of their Profile, depending on the exact Services acquired, as prompted by the Website.
  3. To protect your privacy and security, the Website takes reasonable steps to verify your identity by requiring a password together with your provided email address (or phone number) in order to grant access to your Profile and data. To view or change your personal information provided, you can log into your account on the website and click edit profile via the menu icon. Edit Profile will allow you to change your personal information and further verification will be required when changing email, phone number, identity document or residential address.
  4. By entering your personal information on the Website, you warrant that the person using the Website is you and/or you have the legal authority to act on behalf of a corporate entity. You are responsible for your Profile and all actions perpetrated therewith and thereon, and you should not share your login details or password with anyone.
  5. Please see Noworri’s Privacy Policy regarding more details on how Noworri uses and processes your personal information.
PAYMENT FOR SERVICES
  1. Noworri Financial Technology will process all transactions using the rates displayed on the app. No further charge and/or hidden costs will be incurred by the client:
  2. All amounts stated on the Website or in relation to Services shall include Value Added Tax (“VAT”), but will be exclusive of any other applicable taxes/fees, unless otherwise stated and required by law. If any such taxes/fees apply to your use of the Services and the Fee charged, same will be indicated to you before you enact any transactions.
  3. You may contact Noworri via email at admin@noworri.com to obtain a full record of your transactions with Noworri.
USER RESPONSIBILITIES AND WARRANTIES
  1. By using the Website, Mobile application and/or the Services, you warrant that:
    • you have read and agreed to these Terms and will use the Website and Services in accordance with them;
    • you have not made any misrepresentations and the information provided in the registration process about you, your company and/or your status is true, accurate and complete in every aspect;
    • you are above the age of 18 (eighteen) years old and have the capacity to understand, agree with and be bound with these Terms;
    • you lawfully possess and submit all information to the Website or Noworri for the use of it or the Services;
    • you will not post, upload, replicate or transmit any abusive content on the Website that is or could reasonably be considered to be threatening, harassing, defamatory, abusive, racist, sexist, discriminatory, in breach of confidence, in breach of privacy or restrict any user in any way from properly using the Website;
    • you will not send any unsolicited electronic messages or use any software, routine or device to interfere or attempt to interfere electronically or manually with the operation or functionality of the Website including but not limited to uploading or making available files containing corrupt data or viruses via whatever means or deface, alter or interfere with the front end ‘look and feel’ of the Website or the underlying software code;
    • you will not infringe the intellectual property or other rights of any third party or the Website or transmit content that the user does not own or does not have the right to publish or distribute;
    • you will not use the Website platform for any commercial purpose other than as expressly provided for by Noworri herein;
    • you will not use the Website to breach any applicable law or regulation or perform or encourage any illegal activity including (without limitation) promoting or facilitating money laundering or financial crimes; and/or
    • you will not facilitate or assist any third party to do any of the above.
  2. The Website is only available on compatible devices connected to the internet. It is your responsibility to obtain these devices and any data network access necessary to utilize the Website. The network’s data and messaging rates and fees may apply if you use the Website and you shall be responsible for such rates and fees.
  3. Without prejudice to any of Noworri’ other rights (whether at law or otherwise), Noworri reserves the right to deny you access to the Website or the Services where Noworri believes (in its reasonable discretion) that you are in breach of any of these Terms or the terms contained in any Facilitators’ Agreement.
  4. Noworri does not guarantee that the Website, or any portion thereof, will function on any particular hardware or device.
KYC AND AML REQUIREMENT
  1. A user’s ability to make use of various parts of the Website or particular Services, may be regulated by applicable know-your-customer (“KYC”) and/or anti-money laundering (“AML”) laws and the respective rules and regulations.
  2. Noworri may, at various times and depending on a range of factors in its sole discretion, including the amount of a transaction actioned and/or the exact nature of the user, require that a user submit certain information to Noworri in order for the user to be verified as not infringing any of Noworri’s KYC and/or AML requirements and/or local or foreign laws. This information may include identity documents, passport documents and/or bank account information. Noworri reserves the right to limit or terminate a user’s access and use of the Services should the user fail to adhere to these requirements to the standard required by Noworri. Noworri also reserves the right to share this information with any legal authority when required under applicable laws.
  3. Noworri may restrict user transactions that may violate laws or Noworri’s internal KYC or AML conditions herein and as updated from time to time.
  4. As a minimum, the following rules are applied:
    • Noworri Financial Technology has to make a certain verification by the documentation required for user to be able to transact.
    • A user is required to verify an email address, mobile number & provide an identity document such as a passport, drivers licence or identity document to be able to transact
RECEIPT AND TRANSMISSION OF DATA MESSAGES
  1. Data messages, including email messages, sent by you to Noworri will be considered to be received only when acknowledged or responded to.
  2. Data messages sent by Noworri to you will be regarded as received when the complete data message enters an information system designated or used for that purpose by the recipient and is capable of being retrieved and processed by the recipient.
  3. Noworri reserves the right not to respond to any email or other data message which contains obscene, threatening, defamatory or otherwise illegal, unlawful or inappropriate content, and to take appropriate action against the sender of such email or data message where necessary.
  4. Messages sent over the internet cannot be guaranteed to be completely secure as they can be intercepted, lost or corrupted. Noworri is therefore not responsible for the accuracy or safety of any message sent by email or automated systems over the internet, whether from Noworri to a user, between users or from a user to Noworri.
HYPERLINKS, DEEP LINKS, FRAMING
  1. The Website may include links to other internet sites ("the other sites"). Noworri does not own or endorse the other sites and is not responsible for the information, material, products or services contained on or accessible through the other sites. Any such hyperlinks do not imply any endorsement, agreement on or support of the content or products of such target sites.
  2. Noworri does not purport to own the content on other sites which may be shown on the Website. Should the owner of any content showcased on the Website want the content to be removed, please write to admin@noworri.com to request the removal of such content.
  3. The user’s access and use of the other sites remain solely at the user’s own risk and on the terms set by the relevant third-party operator of the other sites.
ADVERTISING AND SPONSORSHIP
  1. The Website may contain advertising and sponsorship. Advertisers and sponsors are responsible for ensuring that material submitted for inclusion in the Website complies with all applicable laws and regulations.
  2. Noworri, its members, employees, suppliers, partners, affiliates and agents accordingly excludes, to the maximum extent permitted by law, any responsibility or liability for any error or inaccuracy appearing in advertising or sponsorship material.
INTELLECTUAL PROPERTY PROTECTION
  1. All website layout, website content, material, information, data, software, icons, text, graphics, layouts, images, sound clips, advertisements, video clips, user interface design and layout, trade names, logos, trade marks, designs, copyright and/or service marks, together with the underlying software code and everything submitted by a user to the Website and Noworri in use of the Services, (“the intellectual property”) are owned (or co-owned or licenced, as the case may be) by Noworri, its members, associates and/or partners, whether directly or indirectly, and as such, are protected from infringement by domestic and international legislation and treaties.
  2. Subject to the rights afforded to you in these Terms, all other rights to all intellectual property on the Website are expressly reserved. You may not copy, download, print, modify, alter, publish, broadcast, distribute, sell or transfer any intellectual property, editorial content, graphics or other material on the Website or the underlying software code whether in whole or in part, without the written consent of Noworri first being granted, which consent may be refused at the discretion of Noworri. No modification of any intellectual property or editorial content or graphics is permitted. Should you breach these provisions, Noworri and/or the rightful intellectual property rights owner may launch legal proceedings against you for a breach of contract, resulting in a claim of damages against you.
  3. Noworri reserves the right to make improvements or changes to the intellectual property, information, artwork, graphics and other materials on the Website, including that of a user in their Profile, or to suspend or terminate the Website, at any time without notice; provided that any transactions or functions already concluded through the Website, will not be affected by such suspension or termination (as the case may be).
  4. Where any of the Website intellectual property has been licensed to Noworri or belongs to any third party, other than that which has been submitted by a user to the Website in the use of the Services, all rights of use will also be subject to any terms and conditions which that licensor or third party imposes from time to time and you agree to comply with such third party terms and conditions.
  5. Subject to adherence to the Terms, Noworri grants to users a personal, non-exclusive, non-assignable and non-transferable license to use and display all content and information contained in the Website on any machine which the user is the primary user. However, nothing contained on the Website or in these Terms should be construed as granting any licence or right to use any intellectual property without the prior written permission of Noworri.
  6. Any enquiries regarding any of the above relating to intellectual property must be directed to Noworri at admin@noworri.com.
DISCLAIMERS AND WARRANTIES
  1. The Website and Services, including any intellectual property appearing therein, are provided "as is" and "as available". Noworri makes no representations or warranties, express or implied, including but not limited to warranties as to the accuracy, correctness or suitability of either the Website, the Services or the information contained in it.
  2. All information or opinions of users made available on the Website in relation to any of the Services are those of the authors and not Noworri. While Noworri makes every reasonable effort to present such information accurately and reliably on the Website, Noworri does not endorse, approve or certify such information, nor guarantee the accuracy or completeness of such information on the Website.
  3. Noworri, its members, employees, and partners, accept no liability whatsoever for any loss, whether direct or indirect, consequential or arising from information made available on (or by means of) the Website and/or transactions or actions resulting therefrom or from the Services offered, including the information about any particular user.
  4. Noworri, its members, employees, partners and affiliates, accept no liability whatsoever for any costs, expenses, fines or damages, including but not limited to direct or indirect loss or damages, including any economic loss, consequential loss, loss of profits or any form of punitive damages, resulting from the facilitation and offering of the Services, and access to, or use of, the Website in any manner.
  5. Noworri takes reasonable security measures to ensure the safety and integrity of the Website and to exclude viruses, unlawful monitoring and/or access from the Website. However, Noworri does not warrant or represent that your access to the Website will be uninterrupted or error-free or that any information, data, content, software or other material accessible through the Website will be free of bugs, viruses, worms, trojan horses or other harmful components. The user’s access to and use of the Website remains solely at the user’s own risk and the user should take their own precautions accordingly.
COMPANY INFORMATION
  1. Site owner: Noworri Financial Technology LLC
  2. Legal status: Private Company
  3. Telephone number: (+233) 279414289 / (+33) 7 63 17 31 43
  4. Email address: admin@noworri.com
  5. Website address: www.noworri.com
  6. Physical Address: Impact Hub Accra, Accra, Ghana
  7. Digital address: GL -016-6314
TERMINATION OF USE OF WEBSITE OR SERVICE
  1. IN ADDITION TO ITS OTHER RIGHTS HEREIN, NOWORRI RESERVES THE RIGHT TO TERMINATE AND CANCEL YOUR PROFILE AND USE OF THE WEBSITE AND/OR SERVICES IF YOU BREACH ANY OF THE TERMS, OR FOR ANY OTHER REASON IN ITS SOLE DISCRETION PROVIDED THAT NOWORRI GIVES REASONABLE NOTICE TO YOU.
  2. If you wish to terminate the agreement with Noworri, or end your use of the Services, you may do so by deregistering your Profile with the Website and discontinuing your use of the Website. Such deregistration from the Website will however not have any effect on the continued and comprehensive functioning or legitimacy of any lawful rights which Noworri has with you at the time of said termination with the Website.
  3. In the event of cancellation of your agreement with the Terms and with Noworri, Noworri will remove you from the Website, delete your Profile and contact an administrator by emailing admin@noworri.com to reverse any funds in your wallet.
GENERAL
  1. This document contains the entire agreement between the parties in relation to the subject matter hereof. Save as contemplated in clause 1.5 above, no alteration, cancellation, the variation of, or addition hereto will be of any force or effect unless reduced to writing and signed by all the parties to these Terms or their duly authorized representatives.
  2. No indulgence, leniency or extension of time granted by Noworri shall constitute a waiver of any of Noworri’ rights under these Terms and, accordingly, Noworri shall not be precluded as a consequence of having granted such indulgence, from exercising any rights against the user which may have arisen in the past or which might arise in the future.
  3. Words importing the singular will include the plural and vice versa. Words importing one gender will include the other genders, and words importing persons will include partnerships, trusts and bodies corporate, and vice versa.
  4. The headings to the paragraphs in the Terms are inserted for reference purposes only and will not affect the interpretation of any of the provisions to which they relate.
  5. The user’s access and/or use of the Website and/or the Services, any downloaded material from it and the operation of these Terms (including any transaction concluded pursuant thereto) shall be governed by and construed in accordance with the laws of the Republic of
  6. Should you have any complaints or queries, kindly address an email to Noworri at of same.
  7. In the event of the user failing to pay any amount timeously or breaching these Terms, the user shall be liable for all legal costs (on the scale as between attorney and client) (including collection commission) which may be incurred by Noworri in relation to the payment failure or breach.
  8. Each sentence, paragraph, term, clause and provision of these Terms and any portion thereof shall be considered severable and if, for any reason, any such sentence, paragraph, term, clause or provision is held to be invalid, contrary to, or in conflict with any applicable present or future law or regulation or in terms of a final, binding judgment issued by any court, it shall to that extent be deemed not to form part hereof and shall not impair the operation of, or have any effect upon such other sentence, paragraph, term, clause or provision hereof as may otherwise remain valid or intelligible, which shall continue to be given full force and effect and bind the parties hereto.
  9. No term or condition of these Terms is intended to breach any peremptory provisions of any consumer protection legislation and any regulations thereto ("Prohibited Provision"). Any breach of any such Prohibited Provision shall be governed by the provisions of clause 19.8.

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