WalletWise terms and conditions

1. Introduction

Welcome to Wallet Wise, a platform offering e-wallet services for merchants and customers, including NFC card payments, balance checks, and digital wallet management. By using our services, you agree to comply with and be bound by these Terms and Conditions. If you do not agree, please refrain from using our services.

2. Definitions

  • "Wallet Wise" refers to the app, website, and all related services offered.
  • "Merchant" refers to businesses using Wallet Wise to accept payments.
  • "Customer" refers to individuals using Wallet Wise to make payments or manage their e-wallet.
  • "Services" refer to features such as NFC payments, balance checks, and account management.
  • "User" refers to both Merchants and Customers collectively.

3. Eligibility

  • You must be at least 18 years old to register and use Wallet Wise services.
  • By using Wallet Wise, you confirm that all information provided during registration is accurate and complete.

4. Account Registration

4.1 For Customers

  • You must register an account and provide accurate personal information.
  • You are responsible for maintaining the confidentiality of your account credentials.

4.2 For Merchants

  • Merchants must provide valid business information, including tax identification numbers, for account registration.
  • Merchants are required to comply with all applicable local laws and regulations related to their business.

5. Use of Services

5.1 For Customers

  • Customers may use Wallet Wise to make payments, view transaction history, and check account balances.
  • Wallet Wise does not guarantee the availability of all merchants within the app.

5.2 For Merchants

  • Merchants may use Wallet Wise to accept NFC payments, track sales, and withdraw funds.
  • Merchants are solely responsible for ensuring the accuracy of transaction details.

6. Payment and Fees

  • Wallet Wise may charge transaction fees or service fees. These fees will be disclosed during use.
  • Customers agree to fund their e-wallets only through verified payment methods.
  • Merchants are responsible for any applicable taxes on received payments.

7. Prohibited Activities

  • Users must not use Wallet Wise for illegal activities, fraud, or money laundering.
  • Users must not interfere with Wallet Wise’s systems or attempt unauthorized access.

8. Data Privacy

  • Wallet Wise collects and processes personal data in accordance with our Privacy Policy [link].
  • By using Wallet Wise, you consent to data collection, including location and transaction details.

9. Limitation of Liability

  • Wallet Wise is not liable for losses resulting from unauthorized access to your account due to negligence.
  • Wallet Wise is not responsible for disputes between Merchants and Customers regarding transactions.

10. Refunds and Disputes

10.1 For Customers

  • Refund requests must be initiated through Wallet Wise, subject to the Merchant’s refund policy.
  • Wallet Wise may mediate disputes but is not liable for unresolved issues.

10.2 For Merchants

  • Merchants must have a clear refund policy disclosed to Customers.
  • Wallet Wise may deduct refunds from future payouts if a Merchant’s account balance is insufficient.

11. Termination of Account

  • Wallet Wise reserves the right to suspend or terminate accounts for violations of these Terms and Conditions.
  • Users may terminate their accounts by contacting Wallet Wise support.

12. Intellectual Property

  • Wallet Wise and its content, including logos and software, are protected by intellectual property laws.
  • Users may not reproduce, modify, or distribute any part of Wallet Wise without written consent.

13. Changes to Terms and Conditions

  • Wallet Wise reserves the right to modify these Terms and Conditions at any time.
  • Changes will be communicated through the app and website. Continued use of the services constitutes acceptance of the revised terms.

14. Governing Law

  • These Terms and Conditions are governed by the laws of [insert jurisdiction].
  • Any disputes shall be resolved in the courts of [insert jurisdiction].

15. Contact Information

If you have any questions about these Terms and Conditions, please contact us:

  • Email: info@creativpay.com
  • Phone: (+27) 67 813 6090
  • Address: 27 Avenue De Mist, Rondebosch, Cape Town, South Africa