1. Introduction

Kalabash Technology Solutions Limited’s website is a Technological Solutions Company that creates easy and simple to use payment solutions for the everyday Business and individual Consumers. In using the terms "we", "us", "our" and "Kalabash" we refer to Kalabash Technology Solutions Limited, its affiliates, agents and/or our subsidiaries. The term "You", “Your”, “User” or “Customer” refers to the customer visiting the Website or Our App and/or using any of the Services we offer.

2. Binding Terms

This Terms and Conditions and the Terms of Use (the Agreement) of the Specific Services you intend to use serves as the agreement between the customer, Kalabash and the Merchants in respect of your use of this website ("Website") or any mobile application offered by or marketed by or on behalf of Kalabash. This Terms are a legally binding agreement between You and Kalabash and it governs your use of Kalabash’s services, our website, mobile app and any features, service and products that we may make available to You through our website or mobile app (collectively, the “Services”). We may offer certain products and Service directly to you and We may Partner with Banks, Airlines, Manufacturers (Merchants) to offer certain Products and services to You.
You are not allowed to transfer your rights and obligations under this Agreement without our express consent, however, we may transfer or assign this Agreement, and any rights under this Agreement, to a third party without notice to you or without your consent. You are encouraged to periodically visit this page to review the most current Terms and Conditions to which you are bound. If you do not agree to these Terms and Condition of Use, please do not proceed to use this service.

3. Condition of use

Your access to this Website and our service would be conditional upon your acceptance without alteration/changes of all the terms, conditions, and notices set forth below (collectively, the "Agreement"). You agree to be bound by the agreement by accessing or using this Website in any manner. Ensure that you read the Agreement carefully. Please do not use this Website or service if you do not accept all of these terms and conditions. Be sure to return to this page periodically to review the most current version of the Agreement. We reserve the right at any time, at our sole discretion, to revise this Agreement without prior notice, and to withdraw or restrict access to the use of this Website or our service in whole or in part at any time also without prior notice. Your continued use of the website signifies your acceptance of the updated or modified Agreement.
To use this website you must:

• Be at least 18 years of age.
• Possess the legal authority to create a binding legal obligation.
• Be willing to use this Website in accordance with this Agreement.
• Have a Bank Account with a Licensed Nigerian Bank of Financial Institution.
• Ensure all information requested by us and supplied by you on this Website which includes but is not limited to Name, Address, Mobile Telephone Number, Email Address, Bank Account Name and Number, Bank Verification Number etc. (User Information) is true, accurate, current and complete

4. User Accounts

To use some of our services, You must have a Kalabash Account, You can only have one Kalabash Account and to open a second account, you must seek and obtain our consent in writing.
In creating an account for use of the Services, You undertake to:

1. provide true, complete and accurate information about You as may be requested through registration forms or any other means by Kalabash (“User Data”) and not misrepresent Your identity or account information;
2. to establish reasonable security procedures and controls to limit access to your password or other identifying information to authorized individuals, which includes choosing passwords and other credentials in a manner that will protect the security of your information.
3. be fully responsible for any actions that take place using Your Account.
4. Be responsible for all activities that occur with Your permission on Your account and also keep in confidence Your account’s password and user identification.
5. Promptly update all user data if any changes occur and make sure they are correct and accurate at all times
6. Immediately notify us of any circumstance which would prevent you for using the Services.

5. General Terms

Our duty is to provide services that allows Users pay for Products and Services in instalments through our Pay Small Small Scheme, Pay Small Small (PSS) is a flexible payment plan that allow customers to lock down great deals by making as little as 25% down payment of the total cost and paying the rest in convenient installments.

We provide the following Services under our Pay Small Small Scheme:

• a. Pay Small Small for Air Tickets.
• b. Pay Small Small for General Products.
• c. Loans, Etc.

6. Service Modification and Process

Kalabash may unilaterally decide to change this Agreement from time to time, provided, however, that such changes will not impose additional obligations on you with respect to actions you took before the change became effective unless you specifically agree to such changes (for example, by confirming a loan). Additionally, YOUR CONTINUED USE AFTER CHANGES HAVE BEEN POSTED MEANS YOU AGREE TO ACCEPT ANY CHANGES TO THIS AGREEMENT BY USING THE KALABASH SERVICES.
In the event of any material change made to this Agreement by Kalabash, we will make a reasonable effort to inform you of such changes, but it is your responsibility to review the Agreement posted to our website from time to time to see if it has been changed.
All payments are to be made to Kalabash as provided on the website or via payment platforms as advised by Kalabash.
We reserve the right to modify or discontinue the Service (or any part of the content) at any time without notice.
We will not be liable to you or any third party for any modification, price change, suspension or discontinuance of the Service.

7. Personal Information

Your submission of personal information through the site is governed by our Privacy Policy, which you can view here. (hyperlink the privacy policy link)

8. Prohibited Uses

In addition to other prohibitions as set forth in the Terms of Service, use of this site or its content or any of our Services is prohibited: (a) for any unlawful purpose; (b) to solicit others to perform or participate in unlawful acts; (c) to violate any international, federal or state regulations, rules or local laws; (d) to infringe or violate our or any third party’s intellectual property rights; (e) to harass, abuse, insult, harm, defame, slander, disparage, intimidate or discriminate on the basis of gender, sexual orientation, religion, ethnicity, race, age, national origin or disability; (f) to present false or misleading information; (g) to upload or transmit viruses or any other malicious code that is or may be used in any way that could compromise the functionality or performance of the Service or any related website, other sites or the Internet; (h) to collect or track personal information about others; (i) to generate spam, phish, pharm, pretext, spider, crawl, or scrape; (j) for any obscene or immoral purpose; (k) to deal in any goods or services prohibited by law or (l) to interfere with or circumvent the security features of the Service or any related website, other sites or the Internet. We reserve the right to suspend your use of the Service or any related website for violating any of the prohibited use items.

9. Exclusion of warranties, limitation of liability

Warranties

We make no warranties as to the reliability, content, or availability of the services or any security breach from the transmission of sensitive information through our platform or services or the accuracy, reliability or completeness of the contents of this website, mobile application or services. In respect of the Services, we without limitation, do not warrant that it is does not infringe, neither is it merchantable or fit for a particular purpose.

Limitation of Liability

Under no circumstances shall Kalabash, our directors, officers, employees, affiliates, agents, contractors, interns, suppliers, service providers, or licensors be liable for any direct, indirect, incidental, punitive, special, or consequential damages of any kind, including, but not limited to, lost profits, lost revenues, lost savings, lost data, replacement costs, or any similar damages, whether based on contract, tort (including negligence), strict liability, or otherwise, as a result of the use of any of the services or products purchased through the service, or for any other claim related in any way to the use of the service or any product, including but not limited to any errors or omissions in any content, or any loss or damage of any kind incurred as a result of the use of the service or any content (or product) posted, transmitted, or made available through the service, even if advised of its possibility. Because some states or jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, in such states or jurisdictions, our liability shall be limited to the maximum extent permitted by law.
Except as required under applicable law, any indirect, incidental, consequential, special or exemplary damages, arising from or relating to the conduct of You or anyone else in connection with the use of the Services, including, but not limited to, damages arising from Your failure to provide Us with accurate information or a third party’s failure to correctly verify such information. You agree that if any lawsuit or court proceeding is permitted under this Agreement, the aggregate liability of Us and Our affiliates and suppliers to You for all claims arising out of or related to this Agreement or Your use or inability to use the Services will not exceed the amount of any affected order(s) giving rise to such damages. These limitations will apply even if the above stated remedy fails for its essential purpose

10. Intellectual Property

You agree that all content, logos, symbols, catch phrases, design, graphics, compilation, magnetic translation, digital conversion and other matters related to the Services are protected under applicable copyrights, trademarks and other proprietary rights (including but not limited to intellectual property rights) and owned by Kalabash or one of subsidiaries.
You are strictly prohibited from using, publishing, copying or redistributing any part of the Services unless permitted in this Agreement. Your use of the Services does not in any way give you ownership of any intellectual property rights in any of the documents, contents or materials you use.

11. Severability

In the event that any provision of these Terms of Service is determined to be illegal, void, or unenforceable, that provision shall nonetheless be effective to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed severable from these Terms of Service, such determination shall not affect the validity and enforceability of any remaining provisions.

12. Termination

The obligations and liabilities of the parties incurred prior to the date of termination shall survive termination of this agreement for all purposes.
These Terms of Use are effective unless and until terminated by either you or us. You may terminate these Terms of Use at any time by notifying us that you no longer wish to use our services, or when you cease to use our site.
If in our judgment, you fail, or are suspected of failing, to comply with any term or provision of these Terms of Service, we may also terminate this agreement at any time without notice, and you will remain liable for all amounts due up to and including the date of termination; and/or we may accordingly deny you access to our services (or any part thereof).

13. Full Agreement

Our failure to exercise or enforce any right or provision of these Terms of Service shall not constitute a waiver of such right or provision.
These Terms of Service and the policies or operating rules posted by us on this site or with respect to the Service constitute the entire agreement and understanding between you and us and govern your use of the Service and supersede any prior or contemporaneous agreements, communications and proposals, whether oral or written, between you and us (including, but not limited to, any prior versions of the Terms of Service).
Any ambiguity in the interpretation of these Terms of Service shall not be construed against the drafting group.

14. Law

These Terms of Service and any separate agreements in which we provide services to you shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria.

15. Dispute Resolution

In the event of any dispute between you and Kalabash, we encourage that you first contact us through any of our contact channels to try and resolve the problem directly. We may request additional documentation from You to assist Us in resolving any complaints or disputes, and You must provide all reasonable assistance to Us to facilitate Us in resolving all complaints and disputes. An attempt to arrive at a settlement shall be deemed to have failed as soon as one of the parties so notifies the other party in writing.

If an attempt at settlement has failed, the dispute shall be resolved within fourteen (14) days of commencement of such negotiations or within a longer period as agreed to by the parties, the dispute shall be referred to the Lagos Multi-Door Courthouse for mediation which shall be conducted in accordance with the LMDC Mediation Procedure Rules or other rules mutually agreed by the parties.

16. Electronic Communications and General Notifications

Electronic Mail Communications

1. You consent to Electronically receive and access information and documentation from us via email or your Account all records, disclosures and notices related to Your Account or the Services that We would otherwise be required to provide to You in paper form. This consent will remain in effect until you withdraw it. You may withdraw this consent at any time by sending an email to hi@kalabash54.com.
2. This withdrawal will be effective only after We have a reasonable period of time to process your request for withdrawal. If You fail to provide consent or withdraw consent, We reserve the right to restrict, deactivate or shut Your Account down.
3. You also agree to receive SMS messages to the phone number provided by You to Kalabash, if you choose to open an Account, We reserve the right to send You text messages. You also warrant and confirm that the phone number You made available to Kalabash is Yours and represent that You are permitted to receive message with the number. In the event you change phone numbers, You agree to let us know and update same in Your account information.
4. In the event there is any change to your email address, to ensure that We are able to continue communication with you, You must immediately notify us of the change by electronic mail or by updating your account details.

Short Message Service (“SMS”) Communications

1. Kalabash shall send you text messages to verify your phone number or pass information on any service or payments that are due associated with the Services Kalabash provides. This SMS messages may be sent using automated SMS or automated phone dialing system
2. You are solely responsible for any fee or rates that may be charged by Your telephone service provider in respect of SMS messages you may send or receive, any information about the said rates or fees should be direct to your telephone service provider.
3. By adding Your telephone number, You agree to receive text messages for service notifications and verification codes from Kalabash. We do not sell your data.

You agree that Kalabash is not responsible for any delay or failure in your receipt of any Disclosure, text message, or email notice that is not caused by Our failure to send such a Disclosure or notice to the phone number or email address you have provided to us. In the event your mobile number, email address or other contact information on file is invalid, We will not assume liability for Your not receiving notification of availability of electronic Documents; your email or Internet service provider filters the notification as "spam" or "junk mail"; there is a malfunction in your computer, mobile device, browser, Internet service, mobile connectivity and/or software; or for other reasons beyond our control.

17. Link to other websites

1. Links to other websites found on our website are provided solely as pointers to information on topics that may be useful to users of the Services, We have no control over the content on such websites, and we no warranties in respect the content of such websites, including the reliability, accuracy, exactness of the websites, we also do not warrant that such website or content is free from any copyright claims, trademark or other infringement of the rights of third parties or that such site or content is devoid of viruses or other contamination.
2. If you choose to follow a link to a website not controlled by Us, you do so at your own risk. We do not in any way guarantee that any document on the internet is genuine.
3. That a link is available on platforms does not imply any form of endorsement of or responsibility for the opinions, ideas, products, information or services offered at such sites, or any representation regarding the content at such websites.

18. Changes to terms of service

You can review the most current version of the Terms of Use at any time on this page. We reserve the right, at our sole discretion, to update, modify or replace any part of these Terms of Service by posting the updates and changes on our website. It is your responsibility to check our website periodically for changes. Your continued use of or access to our website or the Service following the posting of any changes to these Terms of Service constitutes acceptance of those changes.

19. Contact Information

For more details about Travel Data please click here or Contact us at (customersuccess@kalabash54.com;
Hi@kalabash54.com; +2349087873536,
+2349087873512) or to the following postal address:

KALABASH.COM LIMITED
CBC TOWERS
PLOT 10, OLUBUNMI OWA STREET, LEKKI PHASE 1
LEKKI, LAGOS
NIGERIA

1. Introduction:

These terms and conditions govern the use of the Kalabash Mobile App Service (the "Service") provided by Kalabash Technology Solutions Limited. By using the Service, you agree to these terms and conditions. If you do not agree to these terms and conditions, you may not use the Service.

2. Definitions:

1. "Account" means the Kalabash wallet account that you have registered with us.
2. “Kalabash Mobile App Service” means the service
3. "Kalabash wallet" means the digital application provided by us that allows you to store, manage, and transfer funds using the service.
4. "We” "us" and "our" refer to Kalabash Technology Solutions Limited.
5. "You" and “Your" refer to the “User” who has successfully registered on the service and activated the Kalabash wallet service.

3. Eligibility:

To use the service, you must be at least 18 years old and have a valid mobile phone number and email address. You must also have a valid bank account or credit/debit card that can be linked to the Service.

4. License:

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the service for personal, non-commercial purposes.

5. User Login and Credentials:

In order to access the service, the user must create a personal user login. The User shall provide accurate and up-to-date information, including a valid email address and a secure password.

6. Kalabash Wallet Functionality:

For use of the Kalabash wallet, you may need to create a wallet account. You agree to provide accurate, current, and complete details during the registration process. You are responsible for maintaining the confidentiality of your wallet account credentials and for all activities that occur thereunder.

7. Funding your Wallet Account:

You may fund your wallet account using a variety of payment methods that we make available from time to time. You agree to pay all fees and charges associated with your use of the Kalabash wallet, including any fees charged by third-party payment providers.

8. Use of the Service:

You may use the service to store, manage, and transfer funds to other users or merchants who accept payments through the Kalabash wallet. You may only use the service for lawful purposes, such as receiving payments from other users of the Kalabash wallet via the service, and you agree to comply with all applicable laws and regulations. You are solely responsible for any transactions initiated through your wallet account and agree to hold us harmless from any losses, damages, or liabilities arising from such transactions.

9. Fees:

We may charge fees for the use of certain features or functionalities provided by the service. You will be notified of any applicable fees and will have the opportunity to accept or decline the fee before proceeding with the transaction. You are responsible for paying all fees and charges associated with your use of our services.

10. Transaction:

We shall not be responsible for any errors or unauthorized transactions made using the Kalabash wallet service. You agree to review all transactions carefully before submitting them.

11. Prohibited uses:

You agree not to use our service for any unlawful or fraudulent purpose. You also agree not to use the service to:

1. violate any applicable laws or regulations;
2. infringe any third-party rights, including intellectual property rights;
3. transmit any viruses or other harmful code;
4. interfere with or disrupt the service or servers or networks connected to the service;
5. engage in any activity that is harmful to us, our affiliates, or any third party;
6. attempt to gain unauthorized access to any part of the service or any of our systems or networks.

12. Security:

We take security very seriously and take reasonable measures expected within to protect your account and personal information. However, you are responsible for keeping your login credentials secure; you must not share your login credentials with anyone, and you must immediately notify us if you suspect that your account has been compromised. We reserve the right to suspend or terminate your account if we suspect unauthorized use or fraud.

13. Termination:

We reserve the right to terminate your account and your use of the Kalabash wallet at any time for any reason, without notice or liability to you. You may also terminate your account by notifying us in writing or contacting our customer service. Upon termination, we may retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

14. Disclaimers and Limitations of Liability:

1. We provide our service "as is" and without any warranty, guarantee, or representation, whether express or implied, including but not limited to any warranties of merchantability, fitness for a particular purpose, or non-infringement.
2. To the maximum extent permitted by law, in no event shall we be liable for any direct, indirect, incidental, special, or consequential damages arising out of or in any way connected with your use of the Kalabash wallet service, loss of funds or unauthorized transactions
3. You acknowledge and agree that we are not responsible for any disputes that may arise between you and other users of the service or between you and any merchants.
4. We shall not be responsible for any delay or failure in performance resulting from acts beyond our control, including but not limited to acts of God, acts of war, natural disasters, or interruptions in telecommunications or power supply.
5. Our liability to you in connection with the service, whether in contract, tort, or otherwise, shall be limited to the fees paid by you to us for the use of the service.

15. Changes to the terms and conditions:

We may change these terms and conditions at any time without prior notice to you. You are responsible for reviewing the terms and conditions periodically to ensure that you are aware of any changes. You shall be bound by the amended terms and conditions when you continue to use the Kalabash wallet after such changes have been made.

16. Intellectual Property:

1. Our services and all related intellectual property rights are and will remain our exclusive property.
2. You may not use our services for commercial purposes or for the benefit of any third party.
3. You may not reproduce, distribute, or modify any content on our platform without our prior written consent.

17. Privacy and Data Protection:

1. We take the privacy and security of your personal information seriously and will comply with all applicable data protection laws and regulations.
2. We will only use your personal information for the purposes of providing our services to you and as otherwise permitted by law.
3. We will not share your personal information with third parties except as required by law or as necessary to provide our services to you.

18. Dispute Resolution:

Any disputes arising from the use of the service will be resolved through binding mediation in accordance with the rules of the Lagos State Multi-Door Court House.

19. Governing law

These terms and conditions shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria.

20. Restrictions:

You agree not to reproduce, modify, distribute, or create derivative works based on the App or Wallet, in whole or in part, unless expressly permitted by us.

21. Entire agreement

These terms and conditions constitute the entire agreement between you and us with respect to the use of the Kalabash Mobile App Service and supersede all prior or contemporaneous communications and proposals, whether oral or written, between you and us.
If you have any questions about these terms and conditions, please contact us on customersuccess@kalabash54.com before using the Kalabash Mobile App Service.

Welcome to the Kalabash App. Kalabash App gives assistance and acquaints to customers with travel information and helps customers determine the availability of travel-related goods and services. We make legitimate reservations and transact business with travel suppliers, bearing in mind that this information is for no other purposes. In using the terms "we", "us", "our" and "Kalabash" we refer to Kalabash App, and/or our subsidiaries. The term "you" refers to the customer visiting the App and/or booking a reservation through us on this App.

The use of this App by you does not create an employer/employee relationship, a joint venture shareholder agreement, a memorandum of understanding or a partnership agreement.

The use of this App is governed by the Terms and Conditions set forth. PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING THIS APP. The information and materials provided by Kalabash may be used for informational purposes only. By using, accessing or downloading materials from this Application, you agree to follow the terms and provisions as outlined in this legal notice, which apply to all visits to Kalabash App, both now and in the future. Kalabash may at any time revise and update the Terms and Conditions. You are encouraged to periodically visit this page to review the most current Terms and Conditions to which you are bound. If you do not agree to these Terms and Condition of Use, please do not use this Application.

Condition of Use

Your access to this Application would be conditional upon your acceptance without alteration/changes of all the terms, conditions, and notices set forth below (collectively, the "Agreement"). You agree to be bound by the agreement by accessing or using this Application in any manner. Ensure that you read the Agreement carefully. Please do not use this Application if you do not accept all of these terms and conditions. Be sure to return to this page periodically to review the most current version of the Agreement. We reserve the right at any time, at our sole discretion, to revise this Agreement without prior notice, and to withdraw or restrict access to the use of this Application in whole or in part at any time also without prior notice. Your continued use of the Application signifies your acceptance of the updated or modified Agreement.

To use this Application, you must:

1. Be at least 18 years of age.
2. Possess the legal authority to create a binding legal obligation.
3. Be willing to use this Application in accordance with this Agreement.
4. Be willing to only use this Application to make legitimate reservations for you or for another person for whom you are legally authorized to act.
5. Ensure all information supplied by you on this Application is true, accurate, current and complete.

You will take all necessary steps to safeguard your Kalabash App account if you have one, and will at all times be in charge for the use of your account or by any other person. We reserve the sole right to deny access to the use of this App and related services to anyone, at any time and for any reason, which includes the violation of this agreement.

RESTRICTIONS

There are terms and conditions set apart for the purchase of travel related products as well as reservations as you are bound by terms and condition of any and all suppliers.

In making any payments and abiding by the regulations and caveats in connection with availability, use of products and fares, you are bound by the terms and conditions of usage. We bring to your notice that certain service providers offering certain services may require that you append to their liability waiver before requesting/subscribing/purchasing those services.

You may view, download and copy information and materials available on this Application solely for your personal, non-commercial use. You may also use such material within your organization in connection with the support of Kalabash's products. As a condition of use, you agree not to modify or revise any of the material in any manner, and to retain all copyright and other proprietary notices as contained in the original materials on any copies of the materials. No other use of the materials or information is authorized. Any violation of the foregoing may result in civil and/or criminal liabilities.

You may lose the following if you violate any suppliers’ obligations or caveats:

1. You may forgo monies for reservations of such services.
2. You may be denied access to travel packages and or services.

INFORMATION YOU SUBMIT:

In relation to all information you submit to us, you hereby agree and warrant:

That such material or information is not confidential or proprietary and Kalabash shall be free to use any such information in any manner to use, reproduce, modify, adapt, translate, distribute, publish, create derivative works from and publicly display and perform such submissions throughout the world in any media, now known or hereafter devised; and (b) use the name that you submit in connection with such Submission. You acknowledge that Kalabash may choose to provide attribution of your comments or reviews (for example, listing your name and hometown on a hotel review that you submit) at our discretion, and that such submissions may be shared with our supplier partners. You further grant Kalabash the right to pursue at law any person or entity that violates your rights or Kalabash’s rights in the Submissions by a breach of this Agreement.

We take no responsibility and assume no liability for any Submissions posted or submitted by you. We have no obligation to post your comments; we reserve the right in our absolute discretion to determine which comments are published on the Kalabash App. If you do not agree to these terms and conditions, please do not provide us with any submissions and you agree not to take any action against Kalabash in relation to the use of such material or information.

If you own or have unrestricted rights to the material or information submitted to Kalabash, you shall indemnify and render Kalabash harmless against any claims, suits, proceedings, expenses of any type whatsoever, brought against Kalabash in connection with infringement of third parties rights in respect of the material or information that you submitted.

You will take all reasonable steps to ensure that the materials or information is free from any known computer viruses, or other contaminates, including but not limited to any code or instructions that may be used to modify damage or compromise the security of this Application, or Kalabash's systems or networks.

You will not transmit to or from this Application or post: (i) any, publicly unlawful contents and materials, obscene, pornographic, and defamatory or other material or contents and any acts of commercialization.

OWNERSHIP OF INFORMATION AND MATERIALS

The information and any materials (including white papers, press releases, data sheets, product descriptions, and FAQs) available on or from this Application are the copyrighted works of Kalabash, and any unauthorized use of that information or materials may violate copyright, trademark and other laws.
Any rights not expressly granted herein are reserved

TRADEMARK INFORMATION

Kalabash's trademarks may be used only with written permission from Kalabash. Kalabash, products and brands are registered trademarks or trademarks of Kalabash. All other trademarks, brands, and names are the property of their respective owners. Except as expressly specified in these terms and legal restrictions, nothing contained herein shall be construed as conferring by implication, estoppel or otherwise any license or right under any patent, trademark, copyright or any proprietary rights of Kalabash or any third party.

LINKS TO OTHER APPLICATIONS

As a convenience and to make Kalabash App truly service oriented, we have included links to complementary sites on the Internet. These sites are owned and operated by third parties. Kalabash makes no representation and is not responsible for the availability of, or content located on or through, these third-party sites. A third party link from Kalabash's Application is not an indication that Kalabash endorses the third party or its site, or has any affiliation with or between Kalabash and the third party hosting site.

FEEDBACK & RULES OF CONDUCT/FORUM/FACILITY

By participating in and using this Facility, you represent, undertake, accept and acknowledge that you have read, accept and are bound by the disclaimer notice, copyright notice, terms and conditions of use and our privacy and data protection policy.

Participation in the Kalabash’s feedback forum facility (“the Facility”) and exchange of e-mails with other users will be subject to rules of good practice and courtesy to others. The principal purpose of our Facility is to facilitate information and feedback by users regarding our services.

All comments, feedback, information or materials submitted to Kalabash through or in association with this Application shall be considered non-confidential and Kalabash's property. By submitting such comments, information, feedback, or materials to Kalabash, you agree to a no-charge assignment to Kalabash of worldwide rights to use, copy, modify, display and distribute the submissions. Kalabash may use such comments, information or materials in any way it chooses in an unrestricted basis.

You cannot upload to www.Kalabash.com (“the Application”) or otherwise distribute or publish through the Facility or the Application any matter or material which is or may be considered abusive, pornographic, illegal, defamatory, obscene, racist or which is otherwise unlawful or designed to cause disruption to any computer systems or network. No user shall post any message to the Facility, which is in violation of the acceptable use policies in respect of this Facility. We reserve the right to delete and remove all postings. You are fully and solely responsible for your postings, messages, comments or discussions and accept liability for any resulting actions. The comments, postings and messages are opinions of the respective contributors or authors and do not necessarily reflect our opinions. We accept no responsibility for and make no representations relating to any messages, postings, comments and discussions. We do not confirm or represent the legitimacy, accuracy, reliability, correctness or currency of any data or postings entered by a user.

You consent to the disclosure through the software of your e-mail address. We believe and hope that the availability of such e-mail addresses can facilitate the growth of an on-line community within our Facility and ensure that participants take full responsibility for their postings. The Facility cannot under any circumstances be used for commercial purposes by any participant or user. We do not and cannot review every message posted on the Facility or Application. Accordingly, we are not responsible for the content of the postings, discussions and messages. You grant us a royalty free irrevocable permission to reproduce, download and print your postings, comments and messages. We reserve and retain the right or ability to remove the availability or ability of participants to post comments in the event of any breach of these acceptable use provisions. We will enforce appropriate sanctions against any of our Facility users or customers who are responsible for abuse of the Facility. Such sanctions may include, but are not limited to (a) a formal warning, (b) suspension of access through our Application or machines, (c) suspension of access to the Facility site or section, (d) termination of membership, or (e) termination of any registration of the user with our Application or services. By participation and use of this service, each user acknowledges that they will remain solely responsible for the content of their messages, comments and postings. We accept no responsibility for loss of data, information in any form or other matters whatsoever which result from the use of the Facility. We shall be entitled without liability to the user and at our discretion to remove any such content from our server immediately. You agree to indemnify and undertake to keep indemnified Kalabash, their officers, servants and agents against any costs or expenses (including the cost of any settlement) arising out of any claim, action, proceeding or demand that may be brought, made or prosecuted against any of them arising out of or as a consequence of an unlawful or negligent act or omission or an infringement of any third party rights which arise out of or are connected in any way with the Facility and/or arising out of a breach of this acceptable use policy.

One of our functions may be to facilitate booking reservations for you on pre-negotiated terms

Please note that we are not responsible for remitting tax to relevant tax bodies as hotel suppliers will invoice Kalabash for tax amount and hotel suppliers will hand over taxes applicable to relevant bodies.

Areas and locations have their different tax rates and in paying tax amounts, there could be slight differences from tax recovery amount based on taxability and rates. Hotels may attract different service fees based on hotel type and amount. You should be able to confirm reservation changes where you fail to turn up, and must do so in not more than 24hrs or face the risk of having your reservation cancelled, as there are various cancellation policy periods for different hotels.

Where you choose to cancel or alter your prepaid hotel reservation, you might be charged for such changes subject to the rules of the hotels for such changes and agree to pay for such changes as may occur. Once your hotel reservation request (s) have been lodged, you authorize Kalabash to make hotel reservations on your behalf based on the room rates displayed on the Application and on the availability of reservations, which will include payment arrangements, services fees, tax recovery charges. You are mandated to make back payments for early checkouts or no shows within days after checking out.

TRAVEL LOCATIONS:

Please be aware that the degrees of travel risk in each country varies and that natural disasters could coincide with your travel itinerary.

You are therefore urged to take all necessary precautions, and measures as well as heed to announcements by relevant authorities. Kalabash will not be held responsible for the injuries suffered, nor loss or damage that may arise out of travel to places of risk. Kalabash will not be held to responsible for acts of God, force majeure, acts of government or authority that might impede your travel.

Kalabash, its subsidiaries, agents, partners do not represent that the dissemination of information through this Application would be accurate. Kalabash would take all responsible steps to transmit up to date information on its Application but would not be held responsible for errors on pages on hotels information on hotel’s related operational services, booking prices, hotel ratings, products and packages. We will take all responsible steps to correct errors made on pricing list and reservation made based on those errors and we grant that you will be able to keep such reservation at the available price out at your option and at no cost.

The choice for opting for any of these products and services contained on this Application are yours and Kalabash is not obliged and does not represent or make recommendations of products and services displayed on its Application or by its affiliate.

Kalabash and its affiliates would not be held liable for erroneous and fraudulent mails sent through its Applications, servers and companies and we maintain that our sites are free from viruses. Kalabash disengages itself from damage of property injuries to persons, acts and omissions, breaches, errors or deaths arising from the acts of independent contractors, hotel suppliers who are not agents of Kalabash and its affiliates. You are therefore prohibited from bringing actions against Kalabash where you fail to access or use Application or in cases of delay as well.

DISCLAIMER

The Kalabash Internet team strives to provide you with useful, accurate, and timely information on this Application. Accordingly, Kalabash has attempted to provide accurate information and materials on this Application but assumes no responsibility for the quality, accuracy, efficacy, completeness, performance, fitness for a particular purpose of this page, the Site or any of its contents, including (but not limited) to any price quotes or non-fraudulent representations contained within the Site and the completeness of that information or materials.
Kalabash will not be liable for any damages (including, without limitation, damages for any consequential loss or loss of business opportunities or projects, or loss of profits) howsoever arising and whether in contract, tort or otherwise from the use of or inability to use the Site, or any of its contents and materials, or from any action or omission taken as a result of using the Site or any such contents.

This Site contains material in the form of information, price quotes or representations submitted by third parties and we accept no responsibility for the content or accuracy of such material nor do we make any representations by virtue of the contents of this Site in respect of the guaranteed availability of any services advertised.

The currency rates pasted on this site if any, are for reference purposes and should not be acted on notes of finality because of unstable currency rates. You are advised to make further verification on the accuracy of currency rates from professional experts whose duties are incidental to currency rates conversion. You must not distribute the rates herein referenced to for commercial activities.

Kalabash may change the content of any information or materials available at this Application, or to the products described in them, at any time without notice to you. However, Kalabash makes no commitment to update the information or materials on this Application which, as a result, may be out of date. Information and opinions expressed in bulletin boards or other forums are not necessarily those of Kalabash. Neither Kalabash, nor its officers, directors, employees, agents, distributors, or affiliates are responsible or liable for any loss damage (including, but not limited to, actual, consequential, or punitive), liability, claim, or other injury or cause related to or resulting from any information posted on Kalabash's Application. Kalabash reserves the right to revise these terms and/or legal restrictions at any time. You are responsible for reviewing this page from time to time to ensure compliance with the then-current terms and legal restrictions because they will be binding on you. Certain provisions of these terms and legal restrictions may be superseded by expressly designated legal notices or terms located on particular pages of this Application.
We make no warranty that the contents of the Site are free from infection by viruses or anything else, which has contaminating, or destructive properties and shall have no liability in respect thereof as we do not have control over the contents of such Applications.

To this end: ALL INFORMATION AND MATERIALS AVAILABLE ON THIS APPLICATION ARE PROVIDED "AS IS" WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, AND KALABASH DISCLAIMS AND EXCLUDES ALL WARRANTIES AND LIABILITIES OF ANY KIND TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, EITHER EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT OF INTELLECTUAL PROPERTY OR ARISING FROM A COURSE OF DEALING, USAGE OR TRADE PRACTICE. IN NO EVENT SHALL KALABASH BE LIABLE FOR ANY DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, INDIRECT, SPECIAL, CONSEQUENTIAL OR INCIDENTAL DAMAGES OR THOSE RESULTING FROM LOST PROFITS, LOST DATA OR BUSINESS INTERRUPTION) ARISING OUT OF THE USE, INABILITY TO USE, OR THE RESULTS OF USE OF THIS APPLICATION, ANY APPLICATIONS LINKED TO THIS APPLICATION, OR THE MATERIALS OR INFORMATION CONTAINED AT ANY OR ALL SUCH APPLICATIONS, WHETHER BASED ON WARRANTY, CONTRACT, TORT OR ANY OTHER LEGAL THEORY AND WHETHER OR NOT ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IF YOUR USE OF THE MATERIALS OR INFORMATION ON THIS APPLICATION RESULTS IN THE NEED FOR SERVICING, REPAIR OR CORRECTION OF EQUIPMENT OR DATA, YOU ASSUME ALL COSTS THEREOF.

TERMINATION OF USE

Kalabash may, in its sole discretion, terminate or suspend your access to all or part of the Kalabash Application, including, but not limited to any bulletin boards on its site, for any reason, including without limitation, breach of this agreement. In the event this agreement is terminated, the restrictions regarding materials appearing on the site and the representations and warranties, indemnities, and limitation of liabilities set forth in this agreement shall survive any such termination.

GOVERNING LAW: JURISDICTION AND VENUE

This Agreement shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria exclusive of its choice of law principles. The Nigerian courts shall have exclusive jurisdiction and venue over any dispute arising out of or relating to this Agreement, and each party hereby consents to the jurisdiction and venue of such courts. If you do not agree with the governing law of these terms, please do not use this Site.

Any contentions, claims by you evolving from your access to use this Application must be brought within six (6) months from the time which such action arose.

The question of validity of any part of this agreement to any applicable law shall be preceded by a valid provision that closely matches the intent of the original agreement.

This Agreement constitutes the entire understanding and agreement between you and Kalabash in relation to the Application with the exception of statements made fraudulently, each party agrees that it shall have no remedy in respect of any untrue statement made to them upon which they relied in entering this Agreement.
All rights not expressly granted herein are reserved.

GENERAL PROVISIONS

If any provision of this agreement is deemed void, unlawful or otherwise unenforceable for any reason, that provision shall be severed from this agreement and the remaining provisions of this agreement shall remain in force. This contains the entire agreement between you and Kalabash concerning your use of the site, and the agreement shall not be modified, except in writing, signed by both parties. If you have questions regarding Kalabash's Terms and Conditions, please email: legal@Kalabash.com.

1. Introduction:

These terms and conditions govern the use of the Kalabash wallet service (the "Service") provided by Kalabash Technology Solutions Limited. By using the Service, you agree to these terms and conditions. If you do not agree to these terms and conditions, you may not use the Service.

2. Definitions:

1. "Account" means the Kalabash wallet account that you have registered with us.
2. “"We” "us" and "our" refer to Kalabash Technology Solutions Limited
3. "You" and “Your" refer to the “User” who has successfully registered on the service and activated the Kalabash wallet service.
4. "Kalabash wallet" means the digital application provided by us that allows you to store, manage, and transfer funds using a Kalabash App.

3. Eligibility:

To use the service, you must be at least 18 years old and have a valid mobile phone number and email address. You must also have a valid bank account or credit/debit card that can be linked to the Service.

4. Registration and Activation:

To use our service, you must register for an account with us. You agree to provide accurate and complete information during the registration process. You are responsible for maintaining the confidentiality of your account login credentials, including your password and PIN, and for all activities that occur under your account.

5. Funding your account:

You may fund your account using a variety of payment methods that we make available from time to time. You agree to pay all fees and charges associated with your use of the service, including any fees charged by third-party payment providers.

6. Use of the service:

You may use the service to store, manage, and transfer funds to other users or merchants who accept payments through the Kalabash wallet. You may only use the service for lawful purposes, such as receiving payments from other users of the service, and you agree to comply with all applicable laws and regulations. You are solely responsible for any transactions initiated through your account and agree to hold us harmless from any losses, damages, or liabilities arising from such transactions.

7. Fees:

We may charge fees for the use of certain features or services provided by the Kalabash wallet service. You will be notified of any applicable fees and will have the opportunity to accept or decline the fee before proceeding with the transaction. You are responsible for paying all fees and charges associated with your use of our services.

8. Transactions:

We shall not be responsible for any errors or unauthorized transactions made using the Kalabash wallet service. You agree to review all transactions carefully before submitting them.

9. Prohibited uses:

You agree not to use our service for any unlawful or fraudulent purpose. You also agree not to use the service to:

1. violate any applicable laws or regulations;
2. infringe any third-party rights, including intellectual property rights;
3. transmit any viruses or other harmful code;
4. interfere with or disrupt the service or servers or networks connected to the service;
5. engage in any activity that is harmful to us, our affiliates, or any third party;
6. attempt to gain unauthorized access to any part of the service or any of our systems or networks.

10. Security:

We take security very seriously and take reasonable measures expected within to protect your account and personal information. However, you are responsible for keeping your login credentials secure; you must not share your login credentials with anyone, and you must immediately notify us if you suspect that your account has been compromised. We reserve the right to suspend or terminate your account if we suspect unauthorized use or fraud.

11. Termination:

We reserve the right to terminate your account and your use of the Kalabash wallet at any time for any reason, without notice or liability to you. You may also terminate your account by notifying us in writing or contacting our customer service. Upon termination, we may retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements..

12. Disclaimers and Limitations of Liability:

1. We provide our service "as is" and without any warranty, guarantee, or representation, whether express or implied, including but not limited to any warranties of merchantability, fitness for a particular purpose, or non-infringement.
2. To the maximum extent permitted by law, in no event shall we be liable for any direct, indirect, incidental, special, or consequential damages arising out of or in any way connected with your use of the Kalabash wallet service, loss of funds or unauthorized transactions
3. You acknowledge and agree that we are not responsible for any disputes that may arise between you and other users of the service or between you and any merchants.
4. We shall not be responsible for any delay or failure in performance resulting from acts beyond our control, including but not limited to acts of God, acts of war, natural disasters, or interruptions in telecommunications or power supply.
5. Our liability to you in connection with the service, whether in contract, tort, or otherwise, shall be limited to the fees paid by you to us for the use of the service.

13. Changes to the terms and conditions:

We may change these terms and conditions at any time without prior notice to you. You are responsible for reviewing the terms and conditions periodically to ensure that you are aware of any changes. You shall be bound by the amended terms and conditions when you continue to use the Kalabash wallet after such changes have been made.

14. Intellectual Property:

1. Our services and all related intellectual property rights are and will remain our exclusive property.
2. You may not use our services for commercial purposes or for the benefit of any third party.
3. You may not reproduce, distribute, or modify any content on our platform without our prior written consent.

15. Privacy and Data Protection:

1. We take the privacy and security of your personal information seriously and will comply with all applicable data protection laws and regulations.
2. We will only use your personal information for the purposes of providing our services to you and as otherwise permitted by law.
3. We will not share your personal information with third parties except as required by law or as necessary to provide our services to you.

17. Governing law

These terms and conditions shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria.

18. Entire agreement

These terms and conditions constitute the entire agreement between you and us with respect to the use of the Kalabash wallet service and supersede all prior or contemporaneous communications and proposals, whether oral or written, between you and us.
If you have any questions about these terms and conditions, please contact us on: customersuccess@kalabash54.com, 09085533030. before using the Kalabash wallet.