NAYAPAY – FOR CHAT SERVICES

 NAYAPAY – CHAT SERVICES

1. ABOUT NAYAPAY

NayaPay is licensed by the SBP as an Electronic Money Institution under the EMI Regulations.

2. SCOPE

These Chat Terms and Conditions (Chat T&Cs) govern the Chat Service provided by NayaPay, in conjunction with NayaPay Terms of Use (hereinafter referred to as “Terms”) and Policies, as updated from time to time. In the event of any inconsistency between the Terms and these Chat T&Cs, the latter will prevail.

3. DEFINITIONS

Any and all capitalized terms mentioned herein shall have the same meaning as ascribed to them in the Terms.

4. PERMITTED USAGE OF CHAT SERVICE

4.1 As mentioned in our Terms, you should print and keep a copy of the Terms together with these Chat T&Cs.

4.2 You should use Chat only for purposes permitted under the Terms, these Chat T&Cs and Applicable Laws. Any breach of said Terms, Chat T&Cs and Applicable Laws, may, without prejudice to any other remedies or actions that NayaPay may (in its sole discretion) exercise or take in accordance with the Terms, result in the immediate suspension or termination of Chat Service and may also be reported to law enforcement agencies or any regulatory authority, depending on the severity of such breach.

4.3 You agree will not use (or assist others in using) Chat Service in ways that:

• (a) violate, misappropriate, or infringe the rights of NayaPay, our users, or other third parties, including privacy, publicity, intellectual property, or other proprietary rights;
• (b) are illegal, obscene, blasphemous, defamatory, threatening, intimidating, harassing, hateful, racially, or ethnically offensive, or instigate or encourage conduct that would be illegal, violative of the dignity of others, violative of national security sensitivities, or is otherwise inappropriate, including promoting violent crimes;
• (c) involve publishing falsehoods, misrepresentations, spam, or misleading statements;
• (d) impersonate someone;
• (e) involve sending illegal or impermissible communications such as bulk messaging, auto-messaging, and the like; or
• (f) involve any non-personal use of Chat Service unless otherwise authorized by us.

4.4 We reserve the right (with or without notice) to remove, suspend, or disable access to any and all content that is shared or disseminated using our Chat Service if:

• (a) in our reasonable opinion, it is violative of the Terms, these Chat T&Cs, Policies or Applicable Laws; or
• (b) we our directed by any government agency, regulatory authority or other law enforcement agency or any Court of law to remove, filter, block or restrict any consent under Applicable Laws.

4.5 You can report potentially violating content posted or shared by any particular User or being shared in any particular group Chats, to us in accordance with section 19.6 of the Terms for necessary action.

5. USER RESPONSIBILITIES AND UNDERTAKINGS

5.1 You are responsible for keeping your device and your NayaPay Account safe and secure, and you must notify us promptly of any unauthorized use or security breach of your NayaPay Account or our Chat Service.

5.2 Our Chat Service may allow you to access, use, or interact with third-party websites, apps, content, and other products and services. For example, you may choose to use third-party data backup services (such as iCloud or Google Drive) or interact with a share button on a third party’s website / application that enables you to send information to your NayaPay contacts. Please note that when you use third-party services, their own terms and policies will govern your use of those services.

6. ACCESS TO CHAT SERVICE

6.1 Our Chat Service may be interrupted, including for maintenance, repairs, upgrades, or network or equipment failures. We may discontinue some or all of our Chat Service, including certain features and the support for certain devices and platforms, at any time. Events beyond our control may affect our Chat Service, such as events in nature and other force majeure events

6.2 We may modify, suspend, or terminate your access to or use of our Chat Service anytime for any reason, such as if you violate (in letter or spirit) our Terms or create harm, risk or possible legal exposure for us, our users, or others.

6.3 There are important differences between NayaPay Chat Service and your mobile/fixed-line telephone and SMS services. Our Chat Service does not provide access to emergency services or emergency services providers, including the police, fire departments, or hospitals, or otherwise connect to public safety answering points. You should ensure you can contact your relevant emergency services providers through a mobile, fixed-line telephone, or other service.

7. CHANGE IN TERMS OF USE

7.1. The Chat T&Cs are subject to change. Changes will be implemented with notification from us under the procedure, and come into effect, in accordance with section 18 of the Terms.