These Terms and Conditions of Use of PaySika – Ecobank Cameroon Virtual or Physical Prepaid Card Payment Services and the temporary cards of other financial partners hereinafter referred to as “Terms or Conditions” referred to herein and the additional terms and conditions will govern your access to the website paysika.co hereinafter referred to as the “Website”, the mobile application, web, chatbot and the use of PaySika bank card services.
The purpose of the terms and conditions is to define the terms and conditions of access to the Services, in particular, the provision of a bank card for any type of purchase that requires electronic payment, a Chatbot, a mobile application and a web application allowing you to track your expenses, view your PaySika prepaid bank card(s), pay for telephone credit, Transfer money to another user’s card/bank account. The mobile application also allows you to pay at a physical Merchant.
paysika.co is a website published jointly by PaySika Holding SAS and PaySika Cameroon SAS. PaySika Holding SAS is a simplified joint-stock company with a capital of 1201 euros, whose registered office is located at 118 Route de Narbonne, registered with the Toulouse Trade and Companies Register under number 881 936 744.
PaySika CAMEROUN SAS (hereinafter PaySika) is a simplified joint-stock company with a capital of 5 million CFA francs, whose registered office is located in Douala, Rue Foch, Akwa, BP 15027 Douala registered with the Trade and Personal Property Credit Register at the Registry of the Court of First Instance of Douala Ndokoti, under number No.: RC/DLN/2022/M/1064, represented by Mr. NENGWE NTAFAM Roger, its President, duly authorized for the purposes of these and their follow-up.
PaySika CAMEROUN SAS operates as a Distribution Agent of Ecobank CAMEROON SA, whose registered office is located at Immeuble Champagne Plaza, rue Ivy French Bonanjo, B.P 582 Douala, and registered with the Trade and Personal Property Credit Register under number DLA/2000/B/025516, which is a credit institution, a principal member of the VISA card association and duly registered and authorized to issue cards on Cameroonian territory.
PaySika is a startup that allows you to internationalize mobile money solutions (Airtel Money, Mobicash, Orange Money, Moov, etc.) present in French-speaking Africa and to digitize cash so that as an account holder with us you can:
These general terms and conditions of use and the additional terms and conditions apply exclusively between PaySika and any User of its Services, whether the Use takes place via the Site, the Chatbot or the Mobile/Web Application. The Services are exclusively reserved for Users, to the exclusion of any other person. Any Use of the Services automatically entails the application and full acceptance of these T&Cs, in their version in force on the date of Use.
PaySika reserves the right to freely update and modify the T&Cs at any time, after having informed the Users in advance. Any User who refuses the new version of the T&Cs as of their effective date will then be required to cease the Use of the Services. Any modification will take effect from the date of its publication on the Site and will only apply to Users using the Services after its entry into force. PaySika reserves the right to supplement the T&Cs with any special conditions or other document, having contractual value, subject to informing Users in advance before they come into force.
By creating and using a PaySika Account (as defined below), you accept and agree to comply with these Terms and Conditions. If you do not agree with these Terms of Use that would apply to you (or if you do not have the right to bind the company or other business entity you represent), you are not authorized to access or use the Services, and you should not agree to these Terms of Use.
Where applicable, you are responsible for ensuring that your employees or other representatives using the Services on your behalf have read, understood and agree to be bound by these Terms of Use and any Additional Terms.
It is important that you understand the risks and responsibilities associated with using the Services, and you should read these Terms of Use carefully before accepting them and beginning to use the Services.
If you have any questions or concerns about the content of these Terms of Use or if you would like to better understand how our Services work, please do not hesitate to contact us.
The Website is accessible to any individual authorized by applicable law who wishes to benefit from the services offered by PaySika as presented in these Terms.
Registration is as follows:
To provide through the dedicated channel, documents and information about the company such as the dispatch of the Trade and Personal Property Credit Register (RCCM) dated less than three (03) months, the tax compliance certificate (ACF), the company’s URI, the company’s location plan and any other document relating to the company that PaySika deems necessary.
In addition to these terms and conditions of access to the service, PaySika reserves the right to modify its process for entering into a relationship, according to national and international regulatory requirements.
PaySika offers its Users a referral system that allows them to obtain rewards that may be financial or not, which will depend on the amount of payment made by the referral. Now and already:
The number of referrals is unlimited.
PaySika reserves the right to terminate the referral at any time or to modify the conditions and the amount, which the User acknowledges and accepts. If PaySika becomes aware of any irregularities of a User in the context of the referral, it will have the right to take any appropriate measure to put an end to these irregularities, including the suspension or closure of the Account of the Users concerned.
To learn more about the referral mechanism, visit the official PaySika website: https://paysika.co/
You must not misuse the Site and/or Services by knowingly or negligently introducing viruses, worms, Trojan horses, logic bombs or any other material that is malicious or technologically harmful. You must not attempt to gain unauthorized access to the Site and/or the Services, the servers on which the Site or the Services are hosted, or any other server, computer or database connected to the Site and the Services. You must not harm the Site through a fraudulent denial-of-service attack or transactions with multiple accounts or a distributed denial-of-service attack.
Violation of these conditions is punishable by law. We may report any such breach to the relevant authorities and will cooperate with those authorities by disclosing your identity and other account data to them. In the event of such a violation, your rights to use the Site and Services will immediately terminate.
We are under no obligation to monitor or moderate a user’s activity or use of the Site, however we reserve the right, at all times, to monitor, preserve and disclose any information as necessary to satisfy the requirements of applicable law, regulation, legal process or as requested by regulatory authorities, to ensure proper use of the Services and compliance with our Terms and Conditions or to investigate any suspected violations.
4. The services offered
PaySika offers the services mentioned below to its Users. These may be supplemented and/or amended at any time.
4.1. PaySika Card Account
4.1.1. Presentation
The PaySika Account is a payment account in FCFA, without overdraft authorization, which reflects the balance on the card. The Account is linked to a mobile/web application, chatbot. For each PaySika account, the user can automatically generate two PaySika bank cards (virtual or physical). To get a new card, the user will be obliged to remove a bank card to replace it.
The PaySika bank card allows the following operations to be carried out:
• Card payments;
• Issuing money transfers to or from a PaySika card, to other PaySika cards or to an e-money account;
• Receiving money transfers;
• Topping up your card by deposit (via the User’s Mobile Money account) or by bank transfer to the PaySika card account (not yet operational).
4.1.2. Opening the account
The account is accessible to adults and minors subject to the agreement and control of their legal representatives in the case of the latter. The opening of the Account requires compliance with the following conditions:
• Be at least 18 years old at the time of account opening;
• Communicate the information requested on the Site or the Application;
• Create a secure username and password;
• Transmit all requested documents (e.g. a valid national identity document or passport, the Unique Identifier Number (UIN) issued by the tax authorities);
• Have a mobile phone number associated with a mobile money account;
• Be resident in one of the countries of the CEMAC zone;
• Accept these Terms and Conditions which are an integral part of the contract between the user and PaySika.
4.1.3. Operation of the account
The Card Account can be managed through the Chatbot or the Mobile/Web App. Its balance corresponds to the difference between credit and debit transactions. He must always be in credit, under penalty of refusal of the payments or direct debits presented. In the event that a transaction is presented or accepted by PaySika but would have the effect of overdrawing the account, the User will be required to fund the account without delay and a fee for lack of funds may be applied to him by PaySIka. All PaySika account transactions will be subject to a real-time history, accessible via the web/mobile App or via the chatbot. A full summary of overall spending is also available on the app. Unless there is maintenance, the PaySika account is accessible 24/7 by means of a two-factor authentication system in accordance with the regulations in force. In the event of a long maintenance period, a temporary card may be generated by the user. Since the temporary card comes as an alternative means for PaySika users, they are therefore free to accept or reject the different conditions of its use. As for the conditions, we have the price of the card, the transaction fees, the type of bank cards, the top-up fees, the validity time of the card, etc.) . You will have the ability to see real-time transactions for different cards generated.
In addition to checking the balance, the PaySika Account allows the following operations to be carried out:
• Payments with the card,
• Issuing money transfers to or from a PaySika card, to other PaySika cards or e-money account,
• Receiving money transfers,
• Top-up of your card by deposit (via the User’s Mobile Money account) or by bank transfer to the PaySika card account.
• Payment of water and electricity bills,
• Recharge of telephone credit,
• Implementation of all notifications and alerts,
• Management of the Card (in particular, any opposition, blocking on it or blocking or unblocking of the Card),
• Setting up direct debits from the Account,
• Updating personal information,
• Communication of identification documents,
• Contacts with the PaySika team, all payment transactions on the PaySika Account are initiated by the User, via the Application or the Chatbot, and processed by PaySika.
4.2. Payment Services
4.2.1. Money transfer
Two users who have a PaySika card can transfer money from card to card using the phone number of the other PaySika user.
To do this, simply enter the amount of the transfer, then enter the PaySika phone number of the person to whom you are sending money, and finally, validate.
All the steps to follow are indicated in the app. Money transfers from PaySika card to card are free of charge.
4.2.2. Map
The PaySika card is a personal prepaid debit card of the VISA type that is subject to systematic authorisation and immediate debit. VISA cards are issued by Ecobank CAMEROON. You have access to a virtual or physical bank card for payment.
The first virtual card is free of charge and other virtual cards may be subject to a cost which is stated in these Terms of Use.
The physical card is free of charge, however logistical costs apply and are defined in these T&Cs.
The Card allows you to make any payment, locally or internationally, in store or online. Such payments are subject to fixed and percentage costs given and levied by PaySika and stipulated herein, excluding foreign exchange fees.
The physical card allows withdrawals/payments to be made locally or abroad, subject to
(i) that the PaySika account is funded prior to payment or withdrawal and remains funded after payment or withdrawal and (ii) any foreign exchange fees in the event of payment/withdrawal in foreign currency.
Fees are also applicable after a certain number of withdrawals locally or abroad with your physical card and are indicated in the T&Cs.
When making payments or withdrawals in foreign currencies, PaySika applies a conversion rate (provided by the card network) which may result in an adjustment to your PaySika account post-transaction (either a debit or a credit).
Online payment is made by entering the card number, expiry date and CVV (Card Verification Value). The CVV must never be communicated or shared with a third party at the risk of being hacked, and PaySika cannot be held responsible in any way for any possible consequences that may occur. The user may delete a card and generate a new one at any time, with the understanding that the user may be charged for obtaining new cards under certain conditions stipulated in the T&Cs.
Physical or virtual card information must be kept secret, so the user is responsible for it and will have to assume the consequences related to the negligence of his information. If the user uses his card to register on a website that has to debit amounts on specific dates, he must make sure that he has the sufficient amount on his card so that the transaction can be carried out without any problems.
In the event of theft or loss or fraudulent use of the physical card, all cardholders are obliged to deactivate their card via the chatbot, the mobile or web application and cancel without delay via the PaySika app and by telephone (on 242 23 24 25). Payments made via this card before cancellation remain the responsibility of the cardholder if they were made with the dialling of the secret code or in the event of fraudulent actions by the cardholder or negligence on the part of the cardholder.
PaySika cards can be used for purchases that require recurring debits.
PaySika has the right when the card is blocked after two failed payments for insufficient balance, to charge a sum of 500 FCFA to unblock the PaySika Visa bank card.
In case of 6 failed payments due to insufficient balance, PaySika also gives itself the right to automatically delete your credit card and a deletion fee of 600 FCFA will be applied.
PaySika reserves the right, however, to refuse to honour any direct debit that may arise in the event that the PaySika Account is insufficiently funded.
For two direct debits with insufficient balance results, PaySika has the right to block the user’s card, and the user can unblock it by contacting customer service via the mobile application. He will therefore have to pay the fees for unblocking his card as provided for in these T&Cs.
4.2.3 Use of VISA cards
The Visa prepaid debit card allows its holder to make cash withdrawals from ECOBANK CAMEROON’s ATMs, ATMs and ATMs of other banks or credit institutions affiliated to the Visa International network.
The prepaid debit card allows its holder to pay for purchases of goods or services from merchants and service providers with Electronic Payment Terminals (EPTs) approved by Visa International.
These operations can be carried out both in CAMEROON and abroad with banks, subject to compliance with the exchange regulations in force in the CEMAC zone on the one hand, and the availability of a sufficient balance on the other.
PaySika will issue a card in the name of the applicant, referred to herein as the “cardholder”. The card will bear the logo of VISA, the logo of ECOBANK, and the logo of PaySika.
It is understood that the holder is only entitled to one physical card, will use it in his name, and according to the terms of these T&Cs. Ownership of the card is non-transferable and remains with PaySika.
The cardholder receives a 4-digit PIN code upon obtaining their physical PaySika card. This code is required when using the card at ATMs, ATMs and POS terminals. The cardholder uses their password or app access PIN created when opening their account in the PaySika app, to access their account electronically. For the time being, the user will have to keep this code carefully because it cannot be changed or modified.
The cardholder must keep these codes and passwords secret. He must not write them on the card, or on any other document. He must make sure to enter his PIN code away from prying eyes. This code is essential for the use of ATMs, ATMs and POS terminals designed in such a way that no operation can be carried out without the implementation of this secret code. The number of successive attempts to compose the secret code is limited to 3 (three) on these automatic devices, with the risk of confiscation or temporary invalidation of the card on the 3rd unsuccessful attempt. In the event of a temporary block, if the cardholder initiated the trials, they can unblock the card in the PaySika app.
The prepaid card can be used in CAMEROON as well as abroad for cash withdrawals at ECOBANK counters or any other institution affiliated to the VISA network within the limit of the available balance of the cardholder’s electronic account.
The cardholder must enter their PIN and the desired amount.
Withdrawals are possible within the limit of a limit. They are subject to a transparent fixed pricing described herein.
Each time the card is used, the available value is reduced by the amount of the transaction, fees (if applicable) and commissions.
The prepaid card is a means of payment that should only be used to pay for purchases of goods and services actually made.
The cardholder is responsible for any invoice bearing his or her signature, provided that proof of the sale or service is provided by the merchant or service provider.
PaySika remains unaffected by any commercial dispute relating to the payment transaction that may arise between the cardholder and the merchant or provider.
The existence of such a dispute can in no way justify calling into question the payments made by the cardholder.
Identification may be required by the merchant or service provider
The payment order given by means of the card is irrevocable. Only objections expressly motivated by the loss, theft of the card, fraudulent use of the card, the opening of insolvency proceedings against the beneficiary or any other circumstance provided for by the regulations in force are admissible by PaySika.
The cardholder must immediately declare the loss, theft of his card, the theft of it by a member of his family or the opening of insolvency proceedings against the user. This declaration must be made by phone, telex, telegram, mobile/web application or chatbot at the service of PaySika.
The objection made by simple telephone call to the PaySika service is admissible and has the same effect as the written objection. The customer, if applicable, must specify the last 6 digits of his card number and its validity date.
However, in order to be valid, any objection that has not been the subject of a declaration signed (handwritten or electronic) by the holder must be immediately confirmed within a maximum period of twenty-four (24) hours following the request for opposition, by letter accompanied by all supporting documents delivered against discharge or sent by registered mail to PaySika’s headquarters.
In the event of loss or theft, PaySika will issue a new card at the owner’s expense without this resulting in a change in the terms of this contract.
The cardholder is responsible for the use and retention of the card, as well as the resulting financial consequences.
Upon receipt of an objection made under the conditions set out above and with the exception of transactions carried out by him/her, the cardholder is released from liability for all transactions carried out after the objection and provided that they were not carried out by a family member or a close friend of the cardholder.
Principle: The Cardholder is responsible for the use and storage of his/her Card and PIN and must use it in accordance with the conditions specified herein. It assumes as indicated below:
– The consequences of using the card as long as they have not blocked the card under the conditions set out above.
– Operations carried out before opposition: These are the responsibility of the customer regardless of any fault or imprudence on his part.
-Transactions carried out during the cancellation period: These are the responsibility of PaySika with the exception of transactions carried out by the cardholder, a close friend of his/hers, a member of his/her family or his/her representative
The card is valid for three (03) years from the date of issue. It is renewable at maturity at the request of the cardholder in return for payment of the cost of the card.
PaySika will issue a new card if necessary in the event of renewal, loss or theft without this resulting in a change in the terms of this contract.
PaySika may withdraw the card or suspend the right to use the card at any time without prior notice in the event of misuse or fraudulent use of the card.
The decision to withdraw is notified to the cardholder in all cases. The cardholder therefore undertakes to return the card at PaySika’s first request. He or she is liable if, after notification of the withdrawal of the card, by simple letter, SMS or email, he or she continues to use it.
The Cardholder may terminate this Agreement at any time via the mobile application, web application or chatbot. He undertakes to return the card in the event of termination.
The cardholder may request a refund of the available balance from PaySika subject to the return fee.
The cardholder and/or account holder has the option of filing a complaint in writing, if possible by presenting the ticket for the disputed transaction, within a maximum of 120 days from the date of the disputed transaction. Both parties agree to take the best possible care in informing each other of the conditions under which the operation is to be carried out. The information or documents, or their reproduction, held by PaySika and which relate to the transactions referred to in this contract must be kept by PaySika for one year. They will be produced no later than 45 days after the cardholder and/or account request In the event of a justified complaint, the situation will be rectified.
PaySika reserves the right to communicate the information concerning the account holder(s) to the authorized authorities in the event of misuse or fraudulent use thereof. The cardholder account holder authorises PaySika to disseminate or cause to be distributed to merchants and financial institutions, technical bodies interested in the use of the card, the information on the card if it is lost or stolen (as well as their address if the card is used fraudulently).
Any abusive or fraudulent use of the card as well as any false declaration is punishable by the penalties provided for by law. Any misrepresentation or misuse of the card may also result in the loss of the benefit of the provisions hereof.
4.2.4 Transactions made with the Card are accepted provided that the balance on the Card is sufficient to cover the amount of the transaction and any fees.
Transactions may be rejected due to insufficient funds, non-acceptance by the merchant, or for security reasons.
In the event of two failed transaction attempts due to insufficient balance on the card, a sum of 500 FCFA will be debited to unblock the card. The cardholder will be notified of this charge via an in-app notification. After the debit of 500 FCFA, the card will be automatically reactivated for future transactions, provided that the balance is sufficient. If the failed payments for insufficient balance persist, after the 6 failed payments for insufficient balance, PaySika also gives itself the right to automatically delete your credit card and a deletion fee of 600 FCFA will be applied.
4.3. Entertainment Offers
In addition to the payment services mentioned above, PaySika regularly offers its Users the opportunity to take advantage of commercial offers from its partners: discounts at restaurants and fast-food restaurants, tickets to concerts at reduced prices, participation in events, etc.
In order to offer offers that are ever more personalized and compatible with the interests of its Users, PaySika carries out anonymous analyses of its Users’ data in order to identify their tastes and interests, to initiate targeted marketing operations and to negotiate benefits with its partners in the interest of Users, which the latter expressly acknowledge and accept, subject to their rights in relation to personal data.
5. Rates
Opening an account and accessing the services offered to Users is free of charge, unless specifically stipulated otherwise. Obtaining the first virtual card is free.
The physical card is accessible in accordance with the current tariff within PaySika, and you are delivered to the relay points or to your home with an additional fee depending on the distance.
Payments made with PaySika cards are charged at 1.79% of the transaction amount excluding exchange fees.
Withdrawals from the PaySika card to other electronic currencies are free of charge for the 01st withdrawal. Beyond this, the user may be subject to fees indicated in the tariff in force within PaySika.
Overall, all paid services are expressly mentioned when they are subscribed. In the event of the implementation of paid services or a change in the free provision of the current Services, PaySika will inform Users and publish its price guide on the website and the Application, which will be accessible at any time on the website and the Application.
To learn more about paySika’s pricing, simply click on this link: https://link.paysika.co/prix
6. Account Protection
If you choose or are assigned a password or any other information in connection with our security procedures, you must treat this information as confidential and not disclose it to any third party.
You are responsible for keeping your password confidential and will be held fully responsible for all actions performed under your username with your password. Any username and password chosen by you or assigned to you to access the Services are for your personal use only and are not transferable. We recommend that you disable any automatic saving of passwords or access PINs in your browser or phone before using the web or mobile app. This will help to limit the risk of unauthorized use of your Account for you.
You agree to:
(a) notify us immediately of any unauthorized use of your username (email address or phone number) and/or password, or any other breach of security; and
(b) ensure that you log out of your Account at the end of each session. We will not be liable for any loss or damage resulting from your failure to comply with this clause.
If you forget or lose your password, app access PIN, or Account information, you can easily reset this in the app. If you have any significant difficulties, please be sure to contact us, and we will use all commercially reasonable care to suspend your Account (if necessary) once you notify us of the loss of the information related to it, but you will remain solely responsible for all transactions made on your Account prior to its suspension. If we have reason to believe that there is a breach of security or misappropriation of your Account, we may require you to change your password, PIN or registration information or we may suspend or close your Account without prior notice.
We have the right to deactivate, suspend or restrict your username or password, whether chosen by you or assigned by us, at any time, in our discretion, including if, in our opinion, you have failed to comply with any of the provisions of this Agreement.
You are not allowed to:
(a) use a name or similar information without proper permission. We will not be liable for any damages resulting from any unauthorized use of our Site and/or Services, whether fraudulent or otherwise. We reserve the right, in our sole discretion, to refuse the registration of a username, suspend or cancel it, without prior notice. You can refer to the privacy policy for more details by clicking HERE
The Services offered are accessible through a chatbot available on Facebook, Whatsapp and Telegram, the Mobile and Web Application, subject to prior registration, following the procedure provided for this purpose. The Site is accessible at the following address: https://paysika.co/
The Application is available on the Google Play Store and the App Store, which require the use of a username and password specific to the User. The use of the Application requires a smartphone or tablet, connected to the internet. PaySika cannot be held responsible for any difficulties in downloading the Application from the Google Play Store or the App Store. Access to the Services also requires the User’s acceptance of the PaySika Contract, for which these T&Cs are an integral part, as well as any appendices, which are the subject of the agreement at the time of registration.
PaySika reserves the right to temporarily suspend the Application or Chatbot at any time in order to update them or carry out any maintenance operation, without this temporary suspension of the Services incurring any liability. In order to limit any inconvenience to Users, PaySika will notify Users of any maintenance operation prior to it.
7. Warranties and Liabilities
PaySika makes its best efforts to make the Application, the Chatbot and the Site available at all times, throughout the year. PaySika is subject to an obligation of means in respect of the Services offered, to the exclusion of any obligation of result.
PaySika does not provide Users with any guarantee of the availability of the Chatbot, the Site and the Application and cannot be held liable in the event of suspension, interruption, access difficulties or non-availability of the Site, the Chatbot or the Mobile, Web Application. PaySika also declines all liability for any loss of data, occurrence of any computer bugs or any damage resulting from any fraudulent intrusion by a third party on the Chatbot, the Site or the Application, which are themselves the result of any wilful or involuntary fault or negligence of a User. As an express condition of PaySika’s consent to the Services, its liability towards any User shall not exceed the amount invoiced to the User during the last six months preceding the incurring of his liability by the User concerned. In any event, PaySika cannot be held liable for any indirect damage caused to a User, regardless of the cause. PaySika will also not be responsible for the commercial offers of its partners and any consequences attached thereto or resulting from them for Users who have accepted them.
All Users are solely responsible for the confidentiality of their usernames and passwords and/or for any use made by them of the Chatbot, the Site or the Mobile/Web Application and the consequences attached. Any User shall refrain from harming, in any way whatsoever, the Chatbot, the Site or the Mobile/Web Application and from using them in a way that is not in accordance with their purpose. Users are solely responsible for the information communicated to the Company and for any updating of such information. Any User guarantees the Company against any action by third parties following any breach of these T&Cs, which he/she undertakes to respect.
8. Suspension and Termination of Access to the Services
8.1 Termination by any User
The Services offered by PaySika are for an indefinite period. In addition to cases of fraud, or anomalies of any kind at the initiative of the User, the User has the right to terminate the Services and close his Account by simple request in the application in the tab provided for this purpose or via a request to PaySika’s customer service, using the following address: support@paysika.co. In the event of closure of any Account and the associated Services, PaySika will acknowledge the termination of the User by sending an email or SMS to the User. The credit balance of the Account will be returned by PaySika to the holder after a maximum period of 30 days, by transfer to the Mobile Money account or bank account, the details of which will be communicated by the User to PaySika. The closure of the Account will automatically and ipso jure, without any additional formality, lead to the definitive blocking of all cards held by the user, on condition that the user hand over the said card(s) to PaySika, as required by the fact that the latter remain the exclusive property of PaySika
8.2. Termination or Deletion by PaySika
PaySika also has the right to terminate or suspend any Account:
• With two months’ notice, without reason;
• Immediately, for good cause, in particular, in the event of irregular transactions on the Account (fraud, repeated non-payment, money laundering, etc.) or non-compliance with these T&Cs. The choice between termination and suspension is up to the Company, without any possibility of appeal.
In the event of termination of the Account, the credit balance of the Account will be returned to its holder after a maximum period of 30 days, by bank transfer, to any Mobile Money account or bank account whose details will be communicated to PaySika by the User concerned.
In the event of suspension, the Account may be reactivated at the User’s request, within fifteen days of the suspension.
Any death of a User automatically results in the immediate suspension of the Card in use and of his or her Account, then its closure within thirty days of the transfer of the balance to the notary in charge of the estate.
8. 3 Inactive Account
/An account is considered inactive:
1) Or at the end of a period of twelve (12) months during which the following two conditions are met:
a) The account has not been the subject of any transaction, other than the recording of interest and debiting by the institution holding the account, of fees and commissions of any kind or the payment of income or repayment of equity or debt securities;
b) The account holder, his legal representative or the person authorised by him has not made any form whatsoever known to this institution or has not carried out any transaction on another account opened in his name in the books of the institution.
2) Or, if its holder is deceased, at the end of a period of twelve months following the death during which none of his beneficiaries has informed the institution holding the account of his or her wish to assert his or her rights over the assets and deposits registered therein. In the event of an inactive account, PaySika will inform the holder or his or her legal representative or, where applicable, his or her known beneficiaries, by any means at its disposal and will inform them of the consequences attached, in particular with regard to the fate of the funds, which will be transferred to the Caisse des Dépôts et Consignations within the legal and regulatory deadlines. In addition to the above-mentioned transfer, PaySika will also have the option to suspend the Card with immediate effect as soon as the Account is inactive. In such a situation, the Card may be reactivated by its User by contacting PaySika by any means leaving a trace.
9. Retraction
As soon as they register on the Site, any User benefits, in accordance with the applicable regulatory provisions, from a right of withdrawal exercisable for fourteen (14) days, without costs or penalties of any kind whatsoever. Any use of this right by a User automatically entails the termination of the contract between the User and PaySika, with immediate effect. Any request for withdrawal must be accompanied by the communication of a valid mobile money number or bank account in order to allow PaySika to transfer the balance of the Card Account, less any advantage enjoyed by the withdrawing User, which is automatically cancelled as a result of the withdrawal.
10. Additional Terms
10.1. Evidence
Proof of the acts and operations ordered and/or carried out by any User of the Site, the Mobile/Web Application, or the Chatbot may be validly provided by means of the systems set up or used by PaySika, which the Users expressly and irrevocably accept.
10.2. Personal data
PaySika is committed to your privacy. All personal data transmitted by any User is confidential and processed in accordance with the legal and regulatory provisions in force. For complete information on the processing of personal data by PaySika and the associated Rights of Users, PaySika invites Users to consult its privacy policy accessible on its Site, from the following link: https://paysika.co/confidentiality.pdf, which specifies in particular:
• The legal bases on which the collection of personal data is based
• The nature of the data collected
• Users’ rights
• The purposes of the processing
10.3. Intellectual Property
The content of the Chatbot, the Site and the Mobile/Web Application remains at all times the exclusive property of PaySika. Users do not acquire any rights, either over the content of the Site and the mobile/web application or over any graphic charter, logo, registered or unregistered trademark used by PaySika. Users shall refrain, without the prior written consent of PaySika, from registering any term, combination of terms or symbols similar to the PaySika trademark or the name PaySika or PaySikaCard, PaySikaPaySika QR Card, PaySika Care. More generally, Users are prohibited from reproducing, modifying or exploiting the graphic charter, logo and name of the Company, without the prior written authorisation of PaySika. Any unauthorised use of PaySika’s graphic charter, its logo or the PaySika name constitutes an act of infringement and engages the responsibility of its author.
10.4. Severability of Clauses
The nullity, illegality or unenforceability of any provision hereof shall not result in the nullity, illegality or unenforceability of the other clauses. In the event of a clause being null, unlawful or unenforceable, PaySika will replace the clause(s) in question with new valid, lawful or enforceable provisions that will have an effect as close as possible to that of the void, unlawful or unenforceable clause. Users may not claim damages for the nullity, illegality or unenforceability of a clause herein.
10.5. Force Majeure
Neither Party shall be liable for the non-performance or delay in the performance of its obligations if such delay or non-performance results from a case of force majeure, as defined by case law. In the event that PaySika intends to invoke a case of force majeure, it must inform any User in advance, in writing or by a formal email, no later than five (5) calendar days following the occurrence of the event invoked. In any event, in the event of the occurrence of a case of force majeure, each party will make every effort to minimize the effects of the said case of force majeure. For the purposes hereof, any loss of employment of a User will not constitute a case of force majeure.
10.6. Complaints and Mediation
10.6.1. Complaints
Any complaint in connection with the Chatbot, the Application or the Services offered by PaySika may be made by any User to PaySika, by email to customer service or by telephone contact. PaySika undertakes to respond within a maximum of 45 days from receipt of the complaint. PaySIka and the User concerned at the origin of the complaint will endeavour to make their best efforts to find any amicable solution.
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10.6.2. Mediation
In the absence of an agreement between the User and PaySika, the latter will have the right to use the services of the mediator indicated by the regulations in force. For complex cases, PaySika and the User may have recourse to VISA’s mediation.
11. Applicable law – Jurisdiction
11.1. Applicable law
The T&Cs and any resulting documents between PaySika and any User shall be governed by and construed in accordance with the law in force in the Republic of Cameroon.
11.2. Jurisdictional competences:
Any dispute arising out of the validity, interpretation or execution of these terms and conditions shall be submitted to the competent Cameroonian courts.
12. Modification
We may revise these Terms of Use when the need arises. Changes will not be retroactive and the most recent version of the Terms will always be available on PaySika’s website and will govern our relationship with Users. We will notify you of any material changes through an email associated with your account or a service notification. By continuing to use our services after the changes become effective, you agree to be bound by the revised terms.
In the event that any of these terms are held to be invalid or unenforceable, that provision shall be limited or eliminated to the minimum extent necessary and the remaining provisions shall remain in full force and effect.
Failure to enforce any right or provision of these Terms
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