CALPAY TERMS AND CONDITIONS

Welcome to the CalPay website as developed by CAL Bank Limited. By using CalPay YOU AGREE
TO BE BOUND BY ITS CONDITIONS OF USE (explained below), Privacy Policy and all disclaimers
and terms and conditions that appear elsewhere on the CalPay website.

References to “the Bank” herein refers to CAL Bank Limited.

References to “the Merchant” refers to the institution’s setup on the CalPay solution to accept
payments.

CAL Bank reserves the right to make changes to the CalPay website and its terms and Conditions
of Use at any time without advance notice. Each time you use the CalPay website, you should
visit and review the Terms and Conditions of Use, that apply to your transactions and use of the
site.

Disclaimers and Limitation of Liability

By using the CalPay website, you expressly agree that use of the CalPay website is at your sole
risk. The CalPay website is provided on an "as is" and "as available" basis. Neither the Bank, nor
any of its associates, including but not limited to its directors, employees, agents, designers,
contractors, merchants (collectively, "Associates") warrant that use of the CalPay website will be
uninterrupted or error-free. Under no circumstances shall the Bank or its Associates be liable for
any direct, indirect, incidental, special or consequential damages that result from your use of or
inability to use the CalPay website, including but not limited to your reliance, on any information
obtained from the CalPay website that results in mistakes, omissions, interruptions, deletion or
corruption of files, viruses, delays in operation or transmission, or any failure of performance.
The foregoing limitation shall apply in any action, whether in contract, tort or any other claim,
even if an authorized representative of the Bank has been advised of or should have knowledge
of the possibility of such damages. You hereby acknowledge that this paragraph shall apply to all
content, merchandise and services available through the CalPay website.

Pricing Policy

The Bank may charge a convenience fee for certain services. Other services may be offered at
face value with no additional charge from the Bank. All convenience fees are subject to change.
Paying for Your Order

CalPay accepts multiple payment options. Payment options include but are not limited to Visa®,
MasterCard®, MTN Mobile Money® and CalPay wallet. Your credit/debit/prepaid cards and or
mobile money accounts are generally charged at the time you initiate an order.

Validating Your Order

After you place an order using our shopping cart, we will validate the information you give us, by
verifying your method of payment. We reserve the right to reject any order you place with us,
and/or to limit quantities on any order, without giving any reason. If we reject your order, we will
notify you on the website or via the e-mail address or phone number provided in your account.
Delivery of any such notification shall depend on the availability of the service provided by the
third-party e-mail or network providers. Your source of payment will not be charged if we reject
an order and will only be charged by the appropriate amount if we limit an order. In the event
where you are charged for a rejected order, the charge shall be reversed.

Settlement of Transactions

In the situation where the goods or service paid for is not received (After estimated delivery time
published by the merchant) or does not meet the standards published by the merchant, you are
required to lodge a complaint using the compliant section of the solution. This should be done
within 48 hours after date of expected delivery goods or service.

All funds will be settled to the merchant if no complaint is received during the above stated
period.

Refund Policy

All sales made through the CalPay website are subject to the Merchant's refund policy.

Termination of Use

CalPay may, in its sole discretion, terminate your account or your use of the CalPay website at
any time. You are personally liable for any orders that you place or charges that you incur prior
to termination. CalPay reserves the right to change, suspend or discontinue all or any aspects of
the CalPay solution or website at any time without prior notice.
Privacy and Data Protection

While using our Service, we may ask you to provide us with certain personally identifiable
information that can be used to contact or identify you ("Personal Data"). Personally identifiable
information may include, but is not limited to:

- Email address
- First name and last name
- Phone number
- Address, Region, ZIP/Postal code, City
- Cookies and Usage Data

Such information if we collect, will be used for the purposes of providing services to you and
improving on our service provision to you.

Usage Data

We may also collect information on how the Service is accessed and used ("Usage Data"). This
Usage Data may include information such as your computer's Internet Protocol address (e.g. IP
address), browser type, browser version, the pages of our Service that you visit, the time and
date of your visit, the time spent on those pages, unique device identifiers and other diagnostic
data. We generally do not seek sensitive information (e.g. information relating to an individual’s
racial, ethnic origin, political opinions or memberships held). If you voluntarily provide sensitive
personal information for any reason or we are required to collect such information as a result of
legal requirements imposed on us, we will, where necessary, obtain your explicit consent and use
such information in accordance with this privacy statement and applicable law. Personal data
may only be processed if the purpose for which it is to be processed is necessary, relevant and
not excessive. We will ensure that any such information collected is used only for the purpose
for which it is collected.

Use of Your Personal Information

We limit the collection and use of personal information not within the public domain to the
minimum we believe is necessary to deliver superior service to you. The information we collect
on this website enable us to carry out statistical and other analysis to identify potential markets
and trends, evaluate and improve our business (i.e. improving and developing existing and new
products and services), make sure our business suits your needs and comply with applicable laws
and regulations. Without your personal information, we may not be able to provide you with the
products or services needed by you.
Information We Share

We do not share your personal information with third parties except where the purpose for which
the personal data is processed is necessary to pursue our legitimate interest, or where disclosure
is required by law. We may share your personal information with (a) third party service provider
(b) business (c) affiliate companies within our corporate structure and (d) as needed for legal
purposes only on a need to know basis with prior authorization from you except in specific,
limited situations, without your consent. We will not make any disclosures of non-public personal
information to other companies who may want to sell their products or services to you without
your consent.

How We Protect Your Information

Your Personal data shall be subject to rigorous safeguards to ensure that your data is processed
securely. We shall take all steps reasonably necessary to ensure that your data is treated securely
and in accordance with this Policy. Unfortunately, the transmission of information via the
internet is not completely secure. Although we will do our best to protect your personal data, we
cannot guarantee the complete security of your data transmitted to any of our websites; any
transmission is at your own risk. Once we have received your information, we will use strict
procedures and security features to try to prevent unauthorised access. When possible,
encryption is used, both in transit and storage. Access controls within the organisation limit who
may have access to your information. We restrict access to personal information about you to
any employee who needs to know that information to provide products or services to you.
However, we maintain that we will not share any such information without your consent. We
maintain physical, electronic and procedural safeguards that comply with standards to guard
your non-public personal information. If you decide to discontinue use of CalPay, we will continue
to adhere, as required by law, to these privacy and data protection practices.

How Long We Store Your Information

We store your personal information as required by national and international laws. We may be
required to retain your personal data for a specific period of time in order to satisfy legal or
contractual obligations, or in order to establish, exercise or defend legal claims. When your
personal data is no longer necessary for these purposes, the data will be deleted.
PRIVACY AND DATA PROTECTION

While using our Service, we may ask you to provide us with certain personally identifiable
information that can be used to contact or identify you ("Personal Data"). Personally identifiable
information may include, but is not limited to:

- Email address
- First name and last name
- Phone number
- Address, Region, ZIP/Postal code, City
- Cookies and Usage Data

Such information if we collect, will be used for the purposes of providing services to you and
improving on our service provision to you.

Usage Data

We may also collect information on how the Service is accessed and used ("Usage Data"). This
Usage Data may include information such as your computer's Internet Protocol address (e.g. IP
address), browser type, browser version, the pages of our Service that you visit, the time and
date of your visit, the time spent on those pages, unique device identifiers and other diagnostic
data. We generally do not seek sensitive information (e.g. information relating to an individual’s
racial, ethnic origin, political opinions or memberships held). If you voluntarily provide sensitive
personal information for any reason or we are required to collect such information as a result of
legal requirements imposed on us, we will, where necessary, obtain your explicit consent and use
such information in accordance with this privacy statement and applicable law. Personal data
may only be processed if the purpose for which it is to be processed is necessary, relevant and
not excessive. We will ensure that any such information collected is used only for the purpose
for which it is collected.

Use of Your Personal Information

We limit the collection and use of personal information not within the public domain to the
minimum we believe is necessary to deliver superior service to you. The information we collect
on this website enable us to carry out statistical and other analysis to identify potential markets
and trends, evaluate and improve our business (i.e. improving and developing existing and new
products and services), make sure our business suits your needs and comply with applicable laws
and regulations. Without your personal information, we may not be able to provide you with the
products or services needed by you.
Information We Share

We do not share your personal information with third parties except where the purpose for which
the personal data is processed is necessary to pursue our legitimate interest, or where disclosure
is required by law. We may share your personal information with (a) third party service provider
(b) business (c) affiliate companies within our corporate structure and (d) as needed for legal
purposes only on a need to know basis with prior authorization from you except in specific,
limited situations, without your consent. We will not make any disclosures of non-public personal
information to other companies who may want to sell their products or services to you without
your consent.

How We Protect Your Information

Your Personal data shall be subject to rigorous safeguards to ensure that your data is processed
securely. We shall take all steps reasonably necessary to ensure that your data is treated securely
and in accordance with this Policy. Unfortunately, the transmission of information via the
internet is not completely secure. Although we will do our best to protect your personal data, we
cannot guarantee the complete security of your data transmitted to any of our websites; any
transmission is at your own risk. Once we have received your information, we will use strict
procedures and security features to try to prevent unauthorised access. When possible,
encryption is used, both in transit and storage. Access controls within the organisation limit who
may have access to your information. We restrict access to personal information about you to
any employee who needs to know that information to provide products or services to you.
However, we maintain that we will not share any such information without your consent. We
maintain physical, electronic and procedural safeguards that comply with standards to guard
your non-public personal information. If you decide to discontinue use of CalPay, we will continue
to adhere, as required by law, to these privacy and data protection practices.

How Long We Store Your Information

We store your personal information as required by national and international laws. We may be
required to retain your personal data for a specific period of time in order to satisfy legal or
contractual obligations, or in order to establish, exercise or defend legal claims. When your
personal data is no longer necessary for these purposes, the data will be deleted.