User Agreement for afropay
(hereinafter only UA)
I. Definition of Terms
afropay (Company and Operator) - means
eConsulting International, LLC online payment system project
User - means any individual or legal entity with full
legal capacity that may use services provided by eConsulting International, LLC.
Non-User - means any individual or legal entity with
full legal capacity that shall accept payment from the User via the
afropay prior to being a registered User.
UA - means the terms and conditions of use, other
provision, or other arrangements of services provided by eConsulting International, LLC, e.g. afropay service, etc.
GSM - means a technological standard providing mobile
voice and data communication representing a digital cell radiotelephone
system operating on the frequency of 900 MHz, or 1800 MHz or 1900 MHz.
SMS/texts/ - means a technological standard providing
the services of sending and receiving short text messages (hereinafter
referred to as "SMS") within the GSM network.
Personal Account - means an Account used for
non-business purposes and used primarily for personal, family, or
household purposes. Personal account can receive maximum 10 credits and
may not receive more than $1,000 USD per month. If personal account
receiving business payments or exceeded stated limits, account will be
automatically upgraded to a Business account.
Business Account - means an Account used primarily for
business purposes and not for personal, family, or household purposes.
Account - means a Personal or Business virtual account
created by the User to perform and monitor the transactions entered into
the system by the User, related fees associated with the use of afropay
and User payments; however, under no circumstances this term means the
providing of banking services.
Account Opening - means the creation of a virtual
User's account in the afropay system with new registration or adding of a
new account in afropay by already existing User .
Account Maintenance - is the storage of all data
related to the User's account in an electronic or written form on
independent media of eConsulting International, LLC.
Account Deposit - means a cash deposit or transfer from
another account to accounts of eConsulting International, LLC.
Withdrawal from afropay - means any withdrawal of funds
from the afropay account in cash or any transfer to another account not
maintained in afropay.
Balance - means any money that you have in your afropay
Fund - means your ability to add money into your
Verified - means that you have completed our
verification process to establish your identity with afropay.
Mass Payments - means the ability to send multiple
payments at the same time.
afropay system - automatic payment system providing
payments of costs for goods and services between the buyer and the
seller or the remitter and the recipient located on www.afropay.net.
LOGIN - means the login name used by the user to log on
to afropay. Login shall always be an e-mail address or a GSM number.
Password - protective element for access to afropay,
which consists of at least 6 alphanumeric characters (it cannot include
spaces). The User shall define the password and voluntary, they are
obliged to protect it and not to disclose it to third parties, if in any
contrary case, contact the afropay and the afropay. The password is
entered into afropay in an encrypted form and nobody but the User knows
PIN Code - specific code defined by the afropay User and
only familiar to the User which consists of one to six characters. The
User may, but is not obliged to, activate this code. It is an element
that enhances security in the handling of afropay account via SMS.
Merchant - is used interchangeably and mean a User who
is selling goods and/or services and using the Services to receive
ACH - means the Automated Clearing House network.
These Terms and Conditions shall regulate all relations arising between
eConsulting International, LLC and individual companies that are members of
eConsulting International, LLC, the User and the Non-User. eConsulting International, LLC is
not responsible for relations between the User and another User or the
User and Non-User.
III. Additional Regulations conclusion between
the User and eConsulting International, LLC and UA Acceptance
The minor may use the services of eConsulting International, LLC only upon the
agreement of their legal representatives therewith.
The contractual relation is considered to be closed at the moment when
the User confirms the registration form by clicking the "SIGN UP NOW" button at
the bottom part of the form followed by the correct completion of all
the required data and after reading this UA which shall also be accepted
by the User.
IV. Changes in UA
The contractual relation, the closing of additional regulations, and the
acceptance of UA may also be performed in other legal manner agreed upon
by both Contracting Parties.
1. After the online registration on afropay's website or in other agreed
upon manner, the User declares that he agrees with UA and the Fee
Schedule posted at www.afropay.net.
V. eConsulting International, LLC Performance
2. Any changes to UA are considered to be the new layout of UA and this
new layout has to be approved by both Contracting Parties. eConsulting International, LLC shall publish the changes made on UA on the Websites and shall
inform all Users about this new layout via e-mail, SMS or simply by
posting this new information on the main site of www.afropay.net. If the
User does not agree with new layout of UA and/or updated Fee Schedule,
he has the full right to close his/her account and void by this the
contractual relations with eConsulting International, LLC. If the User remains to
use any services of eConsulting International, LLC after the posting of new UA
or/and Fee Schedule, the new UA is considered to be agreed with all new
changes without any disputes.
1. The performance of eConsulting International, LLC shall mean solely and
exclusively the services provided by eConsulting International, LLC following
User's instructions. Relations between User and third party are beyond
UA's cognizance and eConsulting International, LLC takes no responsibilities for
third party relations.
2. eConsulting International, LLC has the right to appoint third parties to perform
tasks necessary to secure the proper function of the Provider, the
afropay, and to take care of Users. Any third party appointed to such a
task is legally bounded to highest privacy and security of all
information connected to Users accounts.
3. The afropay enable to their Users providing of online services for
The current tariffs of the afropay's services are published on
www.afropay.net and referred as the Fee Schedule. afropay can increase
fees for users or transactions with higher potential risk, all deposit is subject to withdrawal fees according to option selected by client.
The User is any individual or legal entity with full legal capacity that
successfully fills out registration form and receives registration
confirmation notice. User's access to her/his Account is protected by
the unique password and/or PIN-code. afropay will never ask the User for
providing of his/her password or PIN. That is why the User shall
consider all e-mails or other communication requests regarding password
or PIN requesting as unauthorized and suspicious /scam/ and notify
afropay about any such a case at firstname.lastname@example.org Should the User trust
another person, the User may add such a person to her/his account users
without revealing hers/his password. The new account user must be a
registered afropay User.
Any claims regarding to the number, quality of purchased goods, services
provided or correct order handling, are not subject to this contractual
relation and the User shall clear these claims directly with the
IX. Liability for Damage
Shall any account transaction be the subject to a claim, the User is
obliged to claim for compensation of the transaction in writing (by
e-mail) to eConsulting International, LLC not later than 10 days from the
transaction date while at the same time submitting all available
evidence documenting the User's argument. The eConsulting International, LLC shall
notify the User in written form, phone call or by email about the result
of the examination. If the claim has arisen by credit card processing
the User has the right to claim for compensation in 20 days and has to
provide the afropay with documents confirming unauthorized card usage.
In the case of an unauthorized claim, the afropay has the full right to
charge the User's Account with penalty according to Fee Schedule.
Should the User fail to state the afropay account number (specific
symbol), the afropay returns the funds back to the sender's Account if
known. In case you sent a payment without afropay account number
(specific symbol) and there is no possibility to return the payment,
please contact afropay and explain the situation. afropay may ask you for
additional information regarding the undeliverable payment. Based on the
amount of funds remitted by the User to the afropay and based on the
instructions given by the User, the afropay may but does not have to
execute the performance of the contracted activities. Especially the
afropay has the full right to withhold or decline any suspicious
The User takes the full responsibility that her/his account(s) users are
familiarized with this UA and with the Contract, and the User is fully
with no disputes liable for any damage they cause.
X. UA Validity Period
The User is responsible for all transactions performed by using due
identification of the User's GSM and/or afropay access, unless providing
otherwise. The User is always liable for damage caused as a result of
the GSM usage by an unauthorized person due to breaching the principles
determined in UA.
The User is liable for any damages caused as a result of the use of GSM
by unauthorized persons due to loss and theft. In such case, the User
must immediately inform at email@example.com the afropay and require the
blockage of the account.
Any User's liability with respect to any further account misuse shall
cease after the blockage of the User's Account.
The afropay shall not be liable for any damages caused with respect to
afropay usage as the result of circumstances independent of the will of
the afropay and the eConsulting International, LLC, such as refusal or incorrect
performance of authorization due to error in the processing system or in
telecommunications lines failure, power supply outage, afropay connection
failure, natural disasters, etc.
The User also hereby confirms that he/she is aware of risks of dealing
with underage persons or people acting under false identity. We are not
responsible for examining or evaluating, and we do not warrant the
offerings of, any of these businesses or individuals or the content of
their Sites. Please be careful by any transaction made on this Site.
These Terms and Conditions remain valid during the term of the
contractual relation between eConsulting International, LLC and the User.
You approve to communicate with us electronically. This means, that you
communicate with us as you are visiting the Site or email us at
firstname.lastname@example.org. On the other hand, we communicate with you by posting
information to the Site, by fax, phone or by emailing you. Without
limiting other ways of communication, you agree that this is the main
communication manner on the Site and for the purposes of the Service.
The defined communication manner should satisfy any legal requirement
that such communications be in writing. However eConsulting International, LLC may
require communication per fax or phone. In case of suspicious
transactions eConsulting International, LLC reserves the right to require
additional information about the transactions executed on
www.afropay.net. The User hereby agrees to submit any required documents;
otherwise they may be excluded from the Site, charged for breaking rules
of this Agreement or both.
XII. Final arrangements
The afropay reserve the right to change these UA due to changes in legal
regulations, in contractual relations of the afropay or eConsulting International, LLC with third parties in order to begin the cooperation for the
purpose of securing afropay's activities, due to changes in its business
policy, based on decisions made by the management of the afropay or
eConsulting International, LLC, etc.
Further clauses of UA between:
This UA layout is a part of other regulations and the Fee Schedule of
eConsulting International, LLC.
The relations between the User and eConsulting International, LLC are governed by
UA and by other regulations valid in actual time.
The afropay and the User (the User):
I. Definition of certain terms used in the
The terms such as registered user, registration, Account name, balance,
Account ID, currency, Account opening, Account type, Account (this term
does not mean the providing of banking services, unless stipulated
otherwise by an exact definition included in the UA or in the Additional
Regulations), afropay account number (specific symbol), transactions,
login, password, GSM and other terminology used in these Additional
Regulations are explained on the Site of the afropay: www.afropay.net
through the afropay Assistant (explanations are marked as the question
registered as: www.afropay.net (hereinafter only the "Website").
II. Subject and Formation of Additional
The Subject to these Additional Regulations closed between the afropay
and the User shall be the performance of activities previously selected
from the services rendered by the afropay, which are clearly specified in
Article 4 of the Additional Regulations as instructed by the User. The
Conditions for enclosing of Additional Regulations are stipulated in
Article 5 of these Additional Regulations. The contractual relationship
shall be established between the afropay and the User; while the afropay
and the User incur liabilities to intervene activities for a provision
selected by the User from the services rendered by the afropay which are
clearly defined in Article 4 of these Additional Regulations.
III. Time of Enclosing of Additional
Additional Regulations are considered to be accepted by the User
immediately after the User expresses her/his acceptance with the new UA
this means the whole content of UA without any disputes by clicking on
the "Confirm" button displayed on the screen immediately after logging
into the system. If you will not agree you will be automatically logged
off the system.
IV. afropay's Services Offered to Users as
Described on www.afropay.net
The afropay offers the following services:
V. Acceptance by the User
1. Sending and receiving money
a) sending money to other afropay accounts, to bank accounts worldwide by
wire transfer, by direct deposit or by check,
b) receiving of money to afropay accounts from others afropay account
balance, from credit/debit card, from bank accounts by direct debit, by
checks or funds sent to summary accounts where eConsulting International, LLC has
opened their bank accounts.
The afropay will processed sent payments up to date stated in list of
Fees. Processing Time may be different due to error in the processing
system, due to changing of payment processor, or other leagal causes or
in if transaction amount exceed $5,000 USD.
The afropay is not responsible for fees of third parties, afropay does not
guarantee to process payment with incorect payment details and is not
responsible for delays of payment that have already been passed into the
2. Records of the User's Account(s).
3. Records of User's Account(s) users.
4. Records of the User's personal data and any changes made therein.
5. Using the SMS gateway by the User under the conditions specified in
the UA as published on the afropay's Website.
Only an individual or a legal entity with full legal capacity may accept
the UA, with no reservations to the content and also must accept the
entire wording without any disputes, as well as Additional Regulations.
VI. User's Registration
In the event of personal registration, the potential User is obliged to
state personal data marked as required in the registration form posted
on the Website www.afropay.net. Should the mailing address be different
from the User's address stated in the personal data section, the User
shall state her/his mailing instructions /shipping address/. Should the
afropay discover that any of the data provided by the User are false, or
should the afropay suspect the misuse of the afropay system and disclosure
of false data, the afropay assumes the right to close the User's Account
without stating any reasons for so doing. The User approves by this
agreement that she/he has provided truthful and correct information
without any disputes. And the usage of provided information is legal.
Any information used by filling out the registration form is highly
secured by our system and any forwarding of this information is highly
prohibited unless the law requires otherwise. Any access to User's
account is secured by password that is saved in the system in an
encrypted form. Neither employee nor person in contact with the system
can see this unique information. Please keep this information private.
If your password will be lost or forgotten the afropay is cannot send you
this information. The only way how to receive another password is by
creating a new one. For this you will also need the afropay account
number (specific symbol of your account). Please remember this number!
VII. Provision, afropay's Fees, Fee Schedule
The afropay shall be entitled to receive provision specified in the Fee
Schedule displayed on the afropay's Website for providing of activities
selected by the User from the range of services offered by eConsulting International, LLC. The Fee schedule is a part of the afropay's Website. The
difference between the interest granted by a bank for the administration
the contractual relationship between the given bank and eConsulting International, LLC shall also be considered as compensation for services rendered on
the basis of the instructions issued by the User for the afropay. The
User hereby warrants that she/he shall make no claim with regard to such
amount, but she/he agrees that it will be included in the compensation
for the services rendered by eConsulting International, LLC.
VIII. Opening of User's Account
When the User takes the decision to register in person pursuant to
Article 6 of this UA or Additional Regulations, the User is obliged to
provide the afropay with adequate funds required for the performance of
the User's instructions by the afropay, which shall be transferred to the
Accounts of eConsulting International, LLC in the currencies available in the
afropay system. A afropay account number (specific symbol) assigned to
each account and stated on the afropay's Website is required separately
for each account for deposits or transfers made to these accounts.
IX. Appointment of a Representative
The afropay shall open an Account for the User, where the afropay is the
sole owner of this Account. The very Account shall include the following
required data: Account ID, Account title, balance, currency, Account
type and movements, where the afropay shall maintain a list of transfers
made in the User's Account. The afropay shall perform the activities
selected by the User from the services rendered by eConsulting International, LLC
in such User's Account. To use afropay system you may also use credit
card processing. You will be asked to add your card to the system. This
information will be highly secured and all the information provided will
be verified and protected against unauthorized usage as possible. Your
card usage will be charge according Fee Schedule.
USA PATRIOT Act Notification
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT
To help the government fight the funding of terrorism and money
laundering activities, the USA Patriot Act requires all financial
institutions to obtain, verify, and record information that identifies
each person (including business entities) who open an account.
What this means for you: When you open an account, we will ask for your
name, physical address, date of birth, taxpayer identification number,
and other information that will allow us to identify you. We may also
ask to see your driver's license or other identifying documents. We will
let you know if additional information is required.
The User agrees that eConsulting International, LLC or one of its units shall, if
necessary, appoint a representative for the performance of its
X. Liability of the afropay
The afropay shall be liable for any damage incurred by the User only if
the afropay has breached of their obligations set forth in the Contract.
The afropay shall expressly not be liable for any acts by third parties
and rejects any compensation for damage or lost profit arising from such
damage. In addition, the afropay shall not be liable for the balance
deposited by the User to the Account or for the execution or
non-execution of the instruction, i.e. the performance of activities
selected by the User from the services rendered by eConsulting International, LLC.
XI. User's Liability for Damage
Provisions of law shall govern the User's liability for damage. The User
shall be held responsible for providing of true information to
eConsulting International, LLC and for damages, if any, resulting from stating of
false information, changing of any data not considered as the general
usage of the service, unauthorized usage of the services or any actions
considered as fraud and intervention into the system rendered by
eConsulting International, LLC.
XII. Validity of Additional Regulations and
Subjects to Terminations.
indeterminate period. The Contracting Parties may terminate the
Contract, in the following cases:
XIII. Changes to Additional Regulations
/Updating of User's Agreement/
a) The afropay is duly authorized to terminate the Contract if the User
states false information or if the User fails to provide assistance
required for the performance of an instruction, or, in specific cases,
without stating the reason for termination, or upon a decision of a
court or other competent body.
b) The User can terminate the contract at any time; however,
eConsulting International, LLC has the full right to charge the User for any
damages occurred, if any.
Any changes to Additional Regulations shall be considered as a new
proposal of Additional Regulations, which requires the approval of both
Contracting Parties. eConsulting International, LLC will present any changes in
their activities on their Website.
XIV. Confidentiality and Protection of Personal
eConsulting International, LLC shall be obliged to keep confidential any
information regarding the services offered to the User and shall ensure
the protection of the User's personal data in accordance with the
Personal Data Protection Act. However, the User agrees that some of data
provided may be used for advertising purposes in accordance with the
above Act and the Advertising Act.
XV. User's Obligations, User's Participation.
The User shall be obliged to provide true information and personal data,
as well as assurances that such data is true. Moreover, the User is
required to provide any additional information about identification of
payment or person using the afropay account, if asked for this.
XVI. Disclosures to other Regulations of Terms
The User confirms that she/he has read the UA carefully; understands and
agrees with its content and with all of the conditions included therein.
By sending the registration form the User confirms that they have
entered into this contractual relationship, which is established by
the Additional Regulations, as a free and serious act and deed, and
without any error of fact or law.
and the Additional Regulations thereto; rights and other terms not
stipulated by the UA are governed by the Commercial Code in force in the
Authorization - By adding your bank account, you are authorizing
eConsulting International, LLC LLC /afropay/ to debit the bank account with the amount
you requested on your 'send money' form, transaction fee included. Any
Direct Debit request made through afropay from your bank account through
ACH is considered as a request for electronic transfer and this is
considered a legal authorization of the payment. By adding your bank
account, you are also authorizing direct credits to your bank account.
Any return direct credit will generate a return fee. You can find all
fees in our list of Fees.
PAYMENT AUTHORIZATION AND PAYMENT
You are obligated to ensure that sufficient funds are in your account on
the transfer date. If the funds are unavailable at the time of the
transfer, a return payment fee will be applied. Moreover, afropay
reserves the right to resubmit the collection of any return Direct Debit
previously authorized by you. If any rejection or return occur, your
afropay account may be closed and your access to afropay restraint.
You are not authorized to stop a direct debit requested by afropay once
the funds have been sent to another bank account!
You must always inform afropay if your bank account has been a victim of
fraud and was cancelled or blocked. In case you close or block your
account, you will not be able to request any electronic transfers and
you will have to remove such an account from afropay. You may terminate
your account with afropay only seven business days after a Direct Debit
was deducted from your account.
By providing afropay with names and account information of Payees to whom you
wish to direct payments, you authorize to follow the Payment Instructions
that it receives through the payment system.
ANTI-MONEY LAUNDERING POLICY
afropay will use its best efforts to make all your payments properly.
However, afropay shall incur no liability and any Service Guarantee shall be
void if afropay is unable to complete any payments initiated by you because
of the existence of any one or more of the following circumstances:
1. If, through no fault of afropay, your Payment Account does not contain
sufficient funds to complete the transaction or the transaction would exceed
the credit limit of your overdraft account /applicable also in case of
submitted fraud, uncovered check, when the amount is blocked and reversible.
IMPORTANT NOTE: afropay will not debit your account at any time other than
for a returned item, and only for the exact amount of the returned item./* ;
2. You have not provided afropay with the correct Payment Account
information, or the correct name, address, phone number, or account
information for the Payee; and/or,
3. Circumstances beyond control of afropay (such as, but not limited to,
fire, flood, or interference from an outside force) prevent the proper
execution of the transaction and afropay has taken reasonable precautions to
avoid those circumstances.
Provided none of the foregoing exceptions are applicable, if afropay causes
an incorrect amount of funds to be removed from your afropay Account or
causes funds from your afropay Account to be directed to a Payee which does
not comply with your Payment Instructions, afropay shall be responsible for
returning the improperly transferred funds to your afropay Account, and for
directing to the proper Payee any previously misdirected transactions, and,
if applicable, for any late payment related charges.
transactions from you and/or your customers to afropay /eConsulting International, LLC/
in cases where afropay attempts to debit the paying customer's account and
fails for one of the following reasons: nonsufficient funds, account closed,
or not authorized.
eConsulting International, LLC has accepted rules which shall protect afropay system and
also the User. According to this rules, the afropay WorldClearing reserves
the right to check suspected transfers and also to require additional
information about the identification of the sender /this includes all
payments equal or above $10,000 USD. The afropay also reserves the right not
to execute any suspicious transactions, to put limits on transactions to
suspicious afropay accounts or froze afropay account for 180 days.
afropay RESERVE POLICY
All transactions made through afropay system must fulfill our Anti-Money
afropay does not allow its service to be used for illegal activities. afropay
reserves the right to take preventative or corrective actions to protect
itself and its users. Thus, afropay has developed an afropay reserve policy
time of initiation of service. This policy help customers identify
activities that are illegal or may be illegal under certain circumstances,
and to identify certain types of activities for which afropay has decided not
to process payments, even if the activities may be legal. afropay reserves
the right to revise or make exceptions to the PRP, in order to reflect
changing customer and business needs. afropay also reserve the right to ask
users to explain the motives link to a transactions or set of transactions
in case of suspucisious activities. Notice of revisions to the PRP will be
posted in the Policy Update section on afropay's website,
Despite afropay's active enforcement of its Policies, ultimately it is the
responsibility of the user to ensure that all transactions comply with the
afropay reserve policy and the guidelines below.
afropay users buying and selling on the internet should note that each
website maintains its own policies to ensure a safe and legally compliant
It is the responsibility of afropay users, buyers and sellers to ensure that
all transactions comply with both afropay and the online store involved rules
Transactions Covered by the afropay reserve policy.
The afropay reserve policy covers all afropay transactions including
donations, purchases, and sale of all goods and services, any online
marketplace, through the seller's own website, or any other forum.
Violations of the afropay reserve policy.
Violating afropay's afropay reserve policy may result in temporary or
permanent limitation of a customer's afropay account(s). This includes the
inability to send and/or receive payments, to remove financial information
from an account, and for users to close their accounts as a way of evading
the policy. Additionally, users whose accounts are permanently limited for
violating the afropay reserve policy are barred from future use of afropay and
its services, and such users are not permitted to open new or additional
If you have a question about whether your proposed or existing business
violates the afropay reserve policy, you can email afropay's PRP Compliance
Department at: email@example.com.
If you encounter violations of the afropay reserve policy, please report them
to afropay immediately.
This privacy notice discloses the privacy practices for (website address).
This privacy notice applies solely to information collected by this web
site. It will notify you of the following:
1. What personally identifiable information is collected from you through
the web site, how it is used and with whom it may be shared.
2. What choices are available to you regarding the use of your data.
3. The security procedures in place to protect the misuse of your
4. How you can correct any inaccuracies in the information.
Information Collection, Use, and Sharing
We are the sole owners of the information collected on this site. We only
have access to/collect information that you voluntarily give us via email or
other direct contact from you. We will not sell or rent this information to
We will use your information to respond to you, regarding the reason you
contacted us. We will not share your information with any third party
outside of our organization, other than as necessary to fulfill your
request, e.g. to ship an order.
Unless you ask us not to, we may contact you via email in the future to tell
you about specials, new products or services, or changes to this privacy
Your Access to and Control Over Information
You may opt out of any future contacts from us at any time. You can do the
following at any time by contacting us via the email address or phone number
given on our website:
- See what data we have about you, if any.
- Change/correct any data we have about you.
- Have us delete any data we have about you.
- Express any concern you have about our use of your data.
We take precautions to protect your information. When you submit sensitive
information via the website, your information is protected both online and
Wherever we collect sensitive information (such as credit card data), that
information is encrypted and transmitted to us in a secure way. You can
verify this by looking for a closed lock icon at the bottom of your web
browser, or looking for "https" at the beginning of the address of the web
While we use encryption to protect sensitive information transmitted online,
we also protect your information offline. Only employees who need the
information to perform a specific job (for example, billing or customer
service) are granted access to personally identifiable information. The
computers/servers in which we store personally identifiable information are
kept in a secure environment.
contact us immediately via email firstname.lastname@example.org.
In connection with your use of our website, your Account, or the Services,
or in the course of your interactions with afropay, a User or a third party,
you will not:
- Violate any law, statute, ordinance, or regulation (for example, those
governing financial services, consumer protections, unfair competition,
anti-discrimination or false advertising);
- Infringe afropay´s or any third party's copyright, patent, trademark, trade
secret or other intellectual property rights, or rights of publicity or
- Act in a manner that is defamatory, trade libelous, unlawfully threatening
or unlawfully harassing;
- Provide false, inaccurate or misleading Information;
- Send or receive what we reasonably believe to be potentially fraudulent
- Refuse to cooperate in an investigation or provide confirmation of your
identity or any Information you provide to us;
- Attempt to "double dip" during the course of a dispute by receiving or
attempting to receive funds from both afropay and the seller, bank, or credit
card company for the same transaction;
- Use an anonymizing proxy;
- Control an Account that is linked to another Account that has engaged in
any of these Restricted Activities.
- Conduct your business or use the Services in a manner that results in or
may result in complaints, Disputes, Claims, Reversals, Chargebacks, fees,
fines, penalties and other liability to afropay, a User, a third party or
- Use your Account or the Services in a manner that afropay, Visa, MasterCard
or Discover reasonably believe to be an abuse of the credit card system or a
violation of credit card association rules;
- Allow your Account to have a negative Balance;
- Provide yourself a cash advance from your credit card (or help others to
- Disclose or distribute another User's Information to a third party, or use
the Information for marketing purposes unless you receive the User's express
consent to do so;
- Send unsolicited email to a User or use the Services to collect payments
for sending, or assisting in sending, unsolicited email to third parties;
- Take any action that imposes an unreasonable or disproportionately large
load on our infrastructure;
- Facilitate any viruses, Trojan horses, worms or other computer programming
routines that may damage, detrimentally interfere with, surreptitiously
intercept or expropriate any system, data or Information;
- Use any robot, spider, other automatic device, or manual process to
monitor or copy our website;
- Use any device, software or routine to bypass our robot exclusion headers,
or interfere or attempt to interfere, with our website or the Services;
- Take any action that may cause us to lose any of the services from our
internet service providers, payment processors, or other suppliers;
- Use the Service to test credit card behaviors.
Actions by afropay
take various actions to protect you, afropay or afropay Users.
The actions we may:
- close, suspend or limit your access to your Account or the Services;
- update inaccurate Information you provided us;
- refuse to provide our Services to you in the future;
- freeze your funds for up to 180 Days if reasonably needed to protect
against the risk of liability;
- take legal action against you.
Users of afropay Business account must read and agree with and accept all of
the terms and conditions contained in this Agreement before submitting their
web site for afropay payments service (VPS) Approval process in afropay. These
terms are an additional part of User Agreement for afropay (UA).
Please note that these rules may be amended for time to time in our sole
I. BASIC INSTRUCTIONS FOR YOUR WEB SITE:
1. You must be an owner of this web site. Thus, we encourage you to
register your afropay Business account with email address related to
your web site (email@example.com of www.example.com).
II. REQUIRED INSTRUCTIONS FOR USER:
2. Your web site should not sell any of Prohibited items.
3. Your web site must display afropay logo on main page
(www.afropay.net > Merchant tools > afropay Image Gallery).
4. Your web site must be clear and running properly. It means that
every item you offer must have shown its name with description (or
purpose) and the price of it. Item's images are optional and cannot
be mendacious. Further, website's links must serve to its purpose
that is noticed on it. If there are any link that do not works on
your web site, your web site will be declined even if web site was
already approved, payments may be held for 180 days as stated in UA.
If your web site looks like template, you will be removed without
any prior notice from us.
5. Your web site must be trustworthy. It must contain your Terms of
information for users must be strictly yours.
6. To accept payments your web site needs to contain afropay "Buy
Now" buttons. They will link your customers to afropay's check out
web site where they can pay for a single item order. If you wish to
offer your customers to make a multiple-items purchase on your web
site, you can use Shopping Cart software by adding Add to Cart
button for each item. A Money request or HTML code generated for the
Buy Now button can be send also by email to your customer. If you
are using other shopping cart software, you can use the generated
HTML code for data transfer to our website. If any problems occur,
you can contact us to find a solution.
7. SSL encryption on your web site IS NOT required. Users' financial
data like bank or credit card information can only be saved in
afropay. Our payment website has secure SSL encryption.
8. You can save only user name, street address, email, and phone and
purchase details. afropay Business account enables you to use our
Application Program Interface (API) to get payment details on your
Output URL. Optionally, you may use also Return URL address to
confirm successful or not-successful payment. You can set up Output
URL in Business afropay account settings and Return URL in Buy Now or
Shopping cart button code.
1. To apply for VPS you must get verified as required.
III. ONLINE AUCTIONS - SPECIAL TERMS FOR
2. If you cancel your credit/debit card from your afropay or if it
expires and you do not update and verify a new one, you will become
the not verified user. If you were already approved merchant for
PPS, your website will be declined from service and all of the
received credit card payments will be held on your afropay account
according our UA. You can get verify again later, but your payments
may be unblocked earliest in 60 days and at least in 180 days. Thus,
we encourage you again to take seriously your personal policy about
your afropay Business account.
1. You must get verified user.
IV. PROHIBITED ITEMS:
2. You can sell only products in good condition except Prohibited
items and it must be clear what you are selling.
3. There are no exceptions to offer any extraordinary services
(e.g.: get rental advertisement on your face for a month etc.). You
may negotiate the item with our professional team.
4. To start VPS approval process, you must add a URL link that leads
to your personal page on auction web site where should be displayed
all of the items you are selling.
5. If you do not have a previous afropay merchant history, you will
be asked to provide us with recent 3 month history with your credit
card processor or bank.
We do not support following products or websites:
V. SECURITY DEPOSIT
a) adult content;
b) anabolic steroids;
c) animals and wildlife;
e) guns, weapons;
f) hatred websites;
g) human or animal parts (dead or alive);
h) multi-level-marketing, pyramid schemes, CLUB, "get rich quick"
and Matrix schemes;
i) travel services - license required (proven history of business);
j) pharmacy and drugs;
k) paid content, pay per access;
m) spammers, unsolicited email commercial services;
o) warez (pirated software), illegal MP3s sales, copyright
p) any illegal products or services;
q) criminal activities.
If your item does not belong to any category above and you feel your
item is questionable, do not hesitate to discuss with us via email
NOTICE: Any item that is not announced above may be declined by us
or by our credit card processor in sole discretion.
afropay requires a security deposit to credit card and direct debit
payment applicants. The Amount of the security deposit depends on
the type products or services offered on your website and on the
monthly sale volume.
VI. APPROVAL PROCESS
8% will be taken from each credit card or direct debit transaction
and deposited on a separated afropay account until the security
deposit reaches the required amount. Security deposit will be holded
by afropay at least 60 days after applicant will stop receiving
credit card or direct debit payment.
1. As a verified user you can apply for VPS service by submitting of
your web site in your afropay Business account.
2. You must prepare your online store (website) perfectly as
required (I. Basic instructions).
3. If you are a new user of afropay (less than 60 days of active
merchant transfers history), you are obliged to provide us with
recent 3 month history with your credit card processor. If you are
applying for credit card payments for the first time, you have to
provide us with recent 3 month bank statement history. The received
documents will be enclosed to your afropay merchant history. You will
be prompted for this step by email from us.
You can send these statements in PDF files by email, fax or copies
a) By email, please send documents to firstname.lastname@example.org.
b) By fax to: 1 (954) 607-4535
c) By mail to afropay address:
ECONSULTING INTERNATIONAL, LLC
5715 WILL CLAYTON PKWY STE 6338
HUMBLE , Texas , 77338-8167, USA
4. We recommend you to start selling with accepting payments from
afropay user's balances (Account transfers) within 60 days period.
This way you can support your afropay merchant history within first
60 days (since the date you apply for PPS service). This may help
you in the Approving process.
5. After 60 days testing period it will start the Approval process
which takes two stages within 2-4 business days. afropay reserves the
right not to approve your afropay Business account for VPS for any
reason in sole discretion. In the second stage, our credit card
processor will pass a resolution. We assume that the previous 60
days period of the Account transfers is enough time to prepare your
web site excellently for VPS and make lots of Account transfers to
have a good reputation in your afropay merchant history.
6. The final decision will be send to you via email after the period
expires within 2-4 days. It is irrevocable. Please note you must to
fulfill all requirements set above as well as those that are based
on communication between you and us.
You are responsible for all Chargebacks, Reversals, Claims and
related costs arising from your transactions caused by or arising
out of your breach of this Terms, and/or your use of the Services.
Chargeback fee is $30.00 USD. You agree to reimburse afropay, a User,
or a third party for any and all such liability. We may debit actual
or contingent Chargeback amount or other costs from your afropay
account balance, or from any other account or credit/debit card
accessible to us.
VIII. CONCLUSION TERMS
WE DO NOT OFFER ANY WARRANTY FOR RESOURCES, COSTS, AND CHARGES YOU
HAVE SPENT BEFORE OR WITHIN OR AFTER THE APPROVAL PROCESS IN CASE
YOU WERE DECLINED FOR THE VPS SERVICE.
DISCLAIMER: CREDIT CARD PAYMENTS INDUSTRY IS VERY
PROFITABLE WITH HIGH POTENTIAL RISK. ALL CONCERNED PARTIES MUST FULFIL
STRICT REQUIREMENTS. YOU ARE NOW ACKNOWLEDGED. TO SIGN UP FOR THE VPS
SERVICE IS VOLUNTARY. YOU CANNOT DISPUTE THAT WE THWARTED YOUR AMBITIONS.