PWLSecure

TERMS AND CONDITIONS OF WEBSITE USE

Please read these terms of use carefully before you start to use the site. By using our site, you indicate that you accept these terms of use and that you agree to abide by them. If you do not agree to these terms of use, please refrain from using our site.

AFRIONE GLOBAL TERMS OF SERVICE

Here’s a quick summary of the key points in our Terms of Service:

We’re AfriOne Network and we provide services that allow you to seamlessly exchange fiat currency for digital assets (via our On-AfriOne service). You’ll need your digital asset wallet to use AfriOne (Account/Username/AFRID Number/Email) - we don’t provide this for you. For more information on AfriOne Bank, please see our website: https://afrionebank.africa

ABOUT US: Who we are. Hello, we’re AfriOne Bank (referred to as “AfriOne”,” we”, “us”, and “our”) and our Services allow you to seamlessly exchange digital assets for Fiat currency.

SA customers. If you’re based in SOUTH AFRICA or A South Africa in Anywhere in the world, you’re entering into these Terms with PLATFORM CENTRE PTY LTD, a SA limited liability company, with its registered office address at 2 Baanbreker Avenue, Helderkruin Roodepoort.

This registration is not limited to South Africans alone but Non-SA. The Company Registration Number is number K2021920262. Everyone can do business except if on a sanction or your nation is on sanction.

AfriOne Bank is registered under PLATFORM CENTRE with a mandate to perform “ALL TRADING BUSINESS ACTIVITY” which includes crypto-asset business, fiat, service, and consulting.

AfriOne Bank is a Digital and Cryptocurrency Fintech Banking service, that provides custom banking services that are tailored to our customer's individual needs. We are a digital wallet Bank, Crypto P2P Exchange, MasterCard, Gift Cards, Crypto MasterCard, Debit Cards, Payment gateway, and investment opportunity service provider. A1 ensures that our customers receive seamless, safe, and secure experiences, giving them access to their money or crypto-currency and also pay for services, and enjoying sending and receiving money.

As you engage AfriOne, you should be aware that the Financial Ombudsman Service and the Financial Services Compensation Scheme don’t apply to our Services as you enter understanding the risk involved.

How we’re operated and regulated. We’re registered in SA as a money services business and as a crypto asset service provider business. We are a bridge company providing access to digital banking, cryptocurrency, Gifts cards, and access to both physical and virtual cards for convenience purposes.

Eligibility: To use AfriOne, you’ll need to meet our eligibility criteria. That means being old enough, satisfying all our KYC (Know-Your-Customer) and AML (Anti-Money Laundering) requirements and not being sanctioned or located in a sanctioned country. Check out the full list of criteria below.

Fees: To register is free but our fees are subject to change and can be accessed before any purchase is done or implemented. This is because we are a mark-up fee-based company and we leverage largely on the third party to get you your service via the API of a third party added to our platform.

Using AfriOne Bank: To use AfriOne, you must comply with certain requirements. This includes making sure you provide AfriOne with the correct digital asset wallet address or make use of the crypto wallet provided by our software as it is powered by Blockchain and that the digital asset wallet is solely under your control.

Support: You can check out our FAQs page here. For anything else, we’re here to help - just drop us a line at afrione@afrionebank.africa

No advice: None of the information we provide on our website or as part of the Services is or should be treated as financial advice. We’re not affiliated with any digital asset offered for sale and trading in assets is at your own risk. You should make sure you’ve done your due diligence and speak to a financial advisor before making investment decisions on AfriOne Bank as we are not a licensed financial and advisory service provider. We put our product understanding the risk it comes with but we do our utmost best to protect and grow your money.

Things you need to know: Blockchain transactions are irreversible and non-refundable and prices of digital assets go up and down. Your Blockchain address and certain data will be displayed permanently and publicly. You agree to relinquish any right of rectification or to the erasure of personal data, which is not possible on the Blockchain.

So having agreed to it, Welcome to AfriOne! - AFRIONE GLOBAL TERMS OF SERVICE

About these Terms. These Terms of Service (“Terms & Conditions”) set out the terms by which we agree to provide you with access to On-AfriOne Service and Off-AfriOne Service (“Service” or “Services”). By accessing and using the Services, you’re entering into a legally binding contract, with the waiving of certain legal rights, with us based on these Terms. AfriOne Bank and Platform Centre Pty Ltd (collectively “we”, “our”, “us”, "AfriOne Bank/Wallet System" or “AfriOne”) provide the following Global Terms of Service that, as they may be modified from time to time by AfriOne (Platform Centre) in its sole discretion, apply to our users (“you” or “user”) and governs each user access to, and use of, the Services and related products including but not limited to software, programs, documentation, tools, hardware, internet-based services, components, and any updates (including software maintenance, service information, help content, bug fixes or maintenance releases) provided to you by AfriOne, directly or indirectly, through all online services we provide. If any of the Terms are unacceptable to you, please do not visit, access, or use AfriOne or AfriOne Services.

Updates: We may change these Terms sometimes to make updates to our Services, for legal or regulatory changes, or at AfriOne’s discretion for reasons including the prevention of abuse or harm. For updates, we’ll let you know in advance. For everything else, the changes will take effect as soon as they’re posted on our website. If you continue to use the Services after these updates, we’re allowed to assume you agree to the updated Terms. The updated version will supersede all prior versions. We reserve the right to discontinue or make changes to any of the Services.

Amendments: We may, without prior notice and liability, and for any reason: stop providing the On-AfriOne, Off-AfriOne, or any of its Services or any of their features to you or Users in general; change technical solutions used in the On-AfriOne and Off-AfriOne Services; create usage limits for the On-AfriOne and Off-AfriOne Services; or permanently or temporarily terminate or suspend your access to the On-AfriOne and Off-AfriOne Services.

Definitions: Capitalised terms shall have the meanings assigned to them in these Terms unless the context requires otherwise.

“Affiliate” means an entity that owns or controls, is owned or controlled by, or is under common control or ownership with a party, where control is defined as the direct or indirect power to direct or cause the direction of the management and policies of such party, whether through ownership of voting securities, by contract, or otherwise.

“AML” stands for Anti-Money Laundering, which means a set of procedures, laws, and regulations that are intended to stop the practice of obfuscating income generated through illegal activities.

“Blockchain” means a system in which records of transactions made in Digital Assets are maintained across several computers that are linked in a peer-to-peer network.

“Digital Asset” means a digital representation of value in which encryption techniques are used to regulate the generation of digital units and verify the transfer of assets, operating independently from a central bank.

“Fiat” when used as money or currency, means the coin and paper money of a country that is designated as legal tender, circulates, and is customarily used and accepted as a medium of exchange in the country of issuance.

“KYC” stands for Know Your Customer, which means the process of a business verifying the identity of its customers or clients and assessing potential risks of illegal intentions for the business relationship.

“Wallet Address” means an on-Blockchain virtual address in which Digital Assets can be held and transferred.

IMPORTANT INFORMATION

Please carefully review these terms before accessing and using the AfriOne application/registration site. The terms include important information about your relationship with AfriOne. Your use of the AfriOne application is expressly conditioned on your consent to, and compliance with, the terms. By accessing or using the service, you agree to be bound by these terms. If you do not agree to any of the provisions of these terms you should immediately stop using the service. Failure to comply with this directive may result in a violation of the applicable laws or regulations of your jurisdiction. When in doubt, please contact us at: afrione@afrionebank.africa

IMPORTANT NOTICE REGARDING DIGITAL ASSETS

AS WITH ANY ASSET, THE VALUE OF DIGITAL ASSETS CAN GO UP OR DOWN AND THERE CAN BE SUBSTANTIAL RISK THAT YOU LOSE MONEY BUYING, SELLING, TRADING, HOLDING, OR INVESTING IN DIGITAL ASSETS SUCH AS CRYPTOCURRENCIES. YOU SHOULD CAREFULLY CONSIDER WHETHER BUYING, SELLING, HOLDING, TRADING, OR BUYING DIGITAL ASSETS IS SUITABLE FOR YOU.

The value of Digital Assets may be derived from the continued willingness of market participants to exchange Digital Assets for Fiat currencies or other Digital Assets. If the such willingness is abolished for any reason, this may result in the potential for a permanent and total loss of value of a particular Digital Asset. The volatility and unpredictability of the price of Digital Assets may result in significant losses over a short period.

THE TREATMENT OF DIGITAL ASSETS VARIES BY JURISDICTION. BE ADVISED THAT IN SOME JURISDICTIONS, DUE TO REGULATORY CONCERNS, AFRIONE BANK MAY NOT PROVIDE PART OR ALL OF THE SERVICES.

The Services are not available where prohibited by law or by AfriOne policy, as updated from time to time; currently, such places include, but are not necessarily limited to, the countries of Iran, North Korea, Sudan, South Sudan, Syria, Cuba, Russia, or any other country against which the United States, the United Kingdom or the European Union imposes financial sanctions or embargoes. Under the economic sanctions programs administered in the countries where we conduct business, our policies are designed to comply with these sanctions programs and we may: (i) suspend the Service; (ii) terminate the Service; (iii) restrict your Service; (iv) return Digital Assets to the destination of their origin or a location specified by authorities; or (v) block the transfer of Digital Assets that are the property of a sanctioned person.

ABOUT THE SERVICES

Services. We offer these services which allow you to:

Ø Buy Digital Assets using Fiat currency.

Ø Sell your Digital Assets for Fiat currency.

Ø Get Gifts Cards

Ø Gaming

Ø Virtual and Physical Master Card procurement

Accessing the Services. You can access the Services either directly via the AfriOne website or via a third-party website or application that is installed on AfriOne Site. We’re not responsible for any third-party websites or applications you access the Services through including any damage or loss. We did all we could in good faith.

Cool-off: Where a cool-off period applies, you consent to us beginning the supply of the digital content before the end of those 21 days and you waive any right to cancel that you may have under applicable law.

ELIGIBILITY AND PROOF OF IDENTITY

Eligibility criteria. You can only sign-up for and use the Services if you:

Ø at least 18 years old,

Ø satisfy all of our due diligence, “know your customer” and anti-money laundering requirements,

Ø is not prevented by law or regulation from using the Services in your jurisdiction, and

Ø is not a resident or citizen of any jurisdiction under US, UK, or EU sanctions and is not personally sanctioned by the US, UK, or EU which include, but are not limited to the countries of Iran, North Korea, Sudan, Syria, Cuba and Russia (the” Eligibility Criteria”).

AfriOne is subject to AML, KYC, and U.S. sanction requirements under the Bank Secrecy Act (“BSA”), Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act (“USA PATRIOT Act”), and the Office of Foreign Assets Control (“OFAC”).

Under applicable AML and OFAC rules, AfriOne is obligated to maintain certain information about you, including User records and transaction history, for five years, or a longer period as may be required under applicable laws. Under certain circumstances, AfriOne which is powered by Platform Centre may be required to report to the competent authorities of any unusual transactions or any suspicion it may have that you might be involved in any financial crime or illicit activity.

AfriOne Bank is required to comply with applicable AML and KYC requirements at all times. In furtherance of our AML/ KYC compliance programs, we reserve the right to require you to provide documentation and information, including but not limited to copies of your government-issued identification document (e.g. Passport, driver's license) and/or require you to undergo a background check before being authorized to use the Services, or at any point thereafter. You agree that you will not grant any person access to the Servi using your credentials as granting access may violate applicable laws and regulations. You further agree that you will not use a VPN or other similar devices to access the Services where it is prohibited by law.

AfriOne Bank may also gather and use information about you from third parties, to help us confirm your identity, perform our AML/KYC checks, and/or determine your access to the Services. You represent and warrant at all times that any information provided by you to us is true, accurate, and not misleading in any respect. If any such information changes, you must provide the new information to us as soon as practicable following such change.

AfriOne, as a crypto asset business, is subject to the requirements of the Money Laundering, Terrorist Financing, and Transfer of Funds (Information on the Payer) Regulations 2017 (“MLRs”). Under the applicable rules, AfriOne is obligated to obtain adequate information at all times to prevent financial crime including money laundering and terrorist financing. Under certain circumstances, AfriOne Bank may be required to obtain additional information to allow us to meet our AML obligations and comply with the reporting obligations of the MLRs. The Financial Ombudsman Service or the Financial Services Compensation Scheme does not apply to the crypto asset activities carried out in the UK.

RELIANCE ON INFORMATION POSTED & DISCLAIMER

the materials contained on our site are provided for general information purposes only and do not claim to be or constitute legal or other professional advice and shall not be relied upon as such.

We do not accept any responsibility for any loss which may arise from accessing or relying on the information on this site and to the fullest extent permitted by English law, we exclude all liability for loss or damages direct or indirect arising from the use of this site.

INTELLECTUAL PROPERTY RIGHTS AND RESTRICTIONS ON USE

PLATFORM CENTRE PTY LTD TRADING AS AFRIONE BANK grants to you a limited non-exclusive, non-transferable license to view, copy and print the material on this website (other than the design or layout of this website) for your non-commercial or personal use only. All copies that you make must retain all copyright and other notices that are on this website. Our status and that of any identified contributors as the authors of material on our website must always be acknowledged. Except as provided in the previous sentence, you may not use, distribute, sell, modify, transmit, revise, reverse engineer, republish, post, or create derivative works (where applicable) of the trade-marks, trade names, logos, patent, information, software or other intellectual property, material or content in these ‘Terms of Use’, referred to (collectively, as the “content”) of this website without Platform Centre Pty Ltd.’s prior written permission. You acknowledge and agree that this website, its content including all software used on this website are the property of Platform Centre Pty Ltd., its affiliates, or their respective service providers, suppliers, or licensors and you will not acquire any rights or licenses in or on this website or in its content. This website and its content are protected by copyright, both individually and as a collective work or compilation, and by trademark law, patent law, and other applicable laws.

TRADEMARKS

The AfriOne Bank and other marks used on this website belong to Platform Centre Pty Ltd. You are not permitted to use any of the trademarks displayed on this website (including without limitation those listed above) without the prior written consent of Platform Centre Pty Ltd. or the third party that owns the trademark. For more information, email taac@taac.africa

Our registered office is at 2 Baanbreker Avenue, Helderkruin, Roodepoort, Johannesburg, South Africa and we are a company registered in South Africa under company number K2021920262.

YOUR AUTHORITY TO USE THIS WEBSITE

By using this website, you are representing to us that you have the power and authority to accept these Terms of Use and to enter into this agreement with us, that you are capable of assuming and do assume any risks related to the use of this website and its content and that you understand and accept the terms, conditions, and risks relating to their use. If you are dissatisfied with this website or its content, your sole and exclusive remedy is to stop using it.

HOW IT WORKS

Using AfriOne Website. To use the Services, you simply need to fill out a form that provides all the information we need to complete your transaction (or trade).

There are sides to AfriOne Bank

A. Digital wallet banking (Fiats)

B. Digital Assets (Crypto)

C. Card Systems both virtual and hardcopy (Master Card, Gifts Cards, etc.)

D. Investment opportunity

E. Merchants Sales & Services

F. Games, Entertainment & Other pleasurable services

G. And many more as we see it needs to our clients

HOW IT WORKS. HERE’S HOW IT WORKS: FOR DIGITAL ASSETS

AFRIONE CRYPTO DASHBOARD - BUYING

a. CHOOSE ASSETS: You the type and amount of digital assets you want to buy

b. TRANSFER DETAILS: Our third party will provide you with the purchase price in fiat, conversation rates, and fees before you enter into your trade

c. IDENTIFICATION SOURCE/DESTINATION: You provide us with the wallet address you want us/a third party to send your digital assets.

d. TRANSFER: You select your fiat payment method and pay for your digital assets. You can check out what payment methods are available as you are here

e. VERIFICATION: Once Our system and the third-party API verified we've received your payment; we will transfer the digital assets to your nominated wallet address.

Note: Transaction fees (Network & Service Fees) do apply at every instance except otherwise stated.

AFRIONE CRYPTO DASHBOARD-SELLING

a. CHOOSE ASSETS: You choose the number of digital assets you want to sell any type of fiat currency you want to receive payment in

b. TRANSFER DETAILS: You are provided with a conversation rate and fees before you enter into your trade.

c. IDENTIFICATION SOURCE/DESTINATION: You provide us/a third party with your banking details where you want the money to go or your card details either virtual or physical card.

d. TRANSFER: We provide you with our wallet address and you sent the amount and type of digital assets stated in your form to our wallet address

e. VERIFICATION: Once we’ve verified and received your digital assets, we will transfer the fiat currency to your nominated bank account.

Note: Transaction fees (Network & Service Fees) do apply at every instance except otherwise stated

YOUR RESPONSIBILITIES. YOU ARE SOLELY RESPONSIBLE FOR ENSURING THAT:

On-AfriOne Dashboard Site

✅ Value paid: The price paid is exactly equal to the purchase price for the digital assets provided by us.

✅ Payment reference: The payment reference used for your fiat money transfer is identical to the reference provided by us.

✅ Wallet address: The wallet address you provided to us to transfer digital assets to is correct.

Off-AfriOne Dashboard Site

✅ Digital assets amount: The amount of digital assets is exactly equal to the purchase price provided by us.

✅ Wallet Address: The assets are sent to the wallet address provided by us for the trade.

✅ Bank account/Card: The bank account/card details you provide to us to transfer fiat to are correct.

If you don’t, we’re not responsible or liable to you for any loss you suffer as a result, including but not limited to your loss of fiat money, Digital Assets, or investment opportunities.

AfriOne will display to you the Blockchain Wallet Address to which the Digital Assets will be transferred based on information obtained either from you or the host application you used to launch the widget. You are obliged to verify whether the displayed Blockchain Wallet Address that has been disclosed in the application is the correct one. You are obligated to provide a Digital Asset address that is owned by you and is under your full control and authorization, to which Digital Assets will be transferred. You represent that the Blockchain Wallet Address is solely under your control. You are obligated to verify whether a transfer of Digital Assets may be successfully effectuated to the Blockchain Wallet Address that you have provided to AfriOne. Certain digital wallet providers may impose limits in that respect, which may result in the Digital Assets being released by AfriOne but not accepted by the digital wallet. If this occurs, AfriOne will not be liable and the service will be considered rendered.

Inaccurate Data: AfriOne is not responsible for any inaccuracy in the data provided by you. You are obliged to check all the information before submitting it to AfriOne. Blockchain transactions are irreversible and AfriOne will not be able to reverse any transactions already executed in case you made a mistake in the provided data or instruction.

Blockchain Data: Blockchain transactions are irreversible, and any information stored in the Blockchain will remain publicly viewable and immutable for an indefinite period. Your Blockchain address and certain data will be displayed permanently and publicly. You agree to relinquish any right of rectification or to the erasure of personal data, which is not possible on the Blockchain.

Use of third parties: We use third-party exchanges and payment systems to settle your trades. We’re not responsible or liable for any delay or errors made by them. We’re also not responsible for the consequences of any limits set by your or any third-party wallet providers.

Trades: Trades are usually settled using Blockchain and online payment systems (for the transfer of Fiat). AfriOne does not provide a settlement platform on its own and is not liable for any errors or delays in the functioning of settlement systems.

Limits on trades: We may impose certain limits on the minimum or maximum number of trades you can enter into in a given time. We can set and change these limits at our discretion.

Canceling trades: We reserve the right to cancel your trade, without advance notice to you, if we don’t receive the correct purchase price from you in time. If a trade is canceled because we don’t receive the correct purchase price from you in time, you may be required at AfriOne’s discretion to bear the costs of resending Fiat money to you. For purposes of clarity, the price paid needs to be exactly equal to the purchase price indicated by AfriOne.

FOR SOUTH AFRICANS

REGISTRATION

You will be required to choose a username (being your telephone number) and password when registering for the AfriOne Bank/Wallet System Services. You will be required to enter your username and password every time you want to make use of the AfriOne Bank/Wallet System Services. You may not reveal your account password(s) to anyone else, nor may you use anyone else’s password. You agree that the information you provide to AfriOne Bank/Wallet System upon registration and at all other times will be true, accurate, current, and complete. You also agree that you will ensure that this information is kept accurate and up-to-date at all times.

If you have reason to believe that your account is no longer secure (e.g. in the event of a loss, theft or unauthorised disclosure or use of your email address, password, or any credit, debit or charge card number, if applicable), then you agree to immediately notify AfriOne Bank/Wallet System.

AfriOne Bank/Wallet System only allows persons to register herself / himself in her / his personal capacity. You cannot register or act on behalf or on the authority of someone else.

By furthermore confirming a money order you confirm that the information displayed in your personal my profile tab on the Site is correct.

SOUTH AFRICAN RESERVE BANK (“SARB”) REQUIREMENTS

AfriOne Bank/Wallet System conducts it business in foreign currency (USD) also and exchange by the SARB and SARB specifically requires that you agree to the following:

INTEGRATED FORM:

By agreeing to these terms and conditions and by confirming a money order, you declare that:

You have read these terms and conditions and know and understand the contents thereof;

the information furnished by you is in all respects both true and correct;

the currency applied for will only be used for the specific purpose stated herein;

the documentation presented in support of the application for foreign currency is in all respects authentic;

You have been informed of the limit applicable to the confirmed transaction and confirm that this limit will not be exceeded as a result of the conclusion of the transaction; and

You consent to this information being provided to the South African Revenue Service and/or the Financial Intelligence Centre (“FIC”) and/or the Financial Services Board.

DISCRETIONARY LIMITS:

By agreeing to these terms and conditions you assume responsibility to ensure that you do not surpass your single discretionary allowance for the transfer of funds out of the Republic of South Africa. The single discretionary allowance is an allowance with an overall limit of R1 million per calendar year, which a South African resident over the age of 18 years may avail of.

SARB BALANCE OF PAYMENTS REPORTING (“BOP”) REPORTING:

For every successfully completed money order and corresponding pay-out, AfriOne Bank/Wallet System will issue the SARB with a report. This report includes your personal details, the recipient’s personal details, as provided by you and details of the completed transaction (money order, payment, pay-out). AfriOne Bank/Wallet System takes your personal details from the Financial Intelligence Centre Act (“FICA”) documents you submit to us. By submitting the FICA documents and using the AfriOne Bank/Wallet System Services you agree to AfriOne Bank/Wallet System using your personal details for the SARB reporting as prescribed by law.

AfriOne Bank/Wallet System will not be responsible for any legal proceedings of any kind brought against you by any private, government or financial institution or body of any kind, due to the information that AfriOne Bank/Wallet System has passed on to these institutions or bodies. You agree that the information you provide to AfriOne Bank/Wallet System for SARB reporting purposes and at all other times will be true, accurate, current, and complete. If we have reason to believe that the information or documents you have provided us with are false and tampered with in any way, we will immediately close your account and notify any relevant authority.

For all customers with a South African ID, the BOP category relevant for the money remittance is 401[Gifts].

For all customers with a Foreign Passport or Asylum document, the BOP categories relevant for the money remittance are 305 [Compensation paid to a migrant worker employee (excluding remittances)], 306 [Compensation paid to a foreign national contract worker employee (excluding remittances)] and 416 [Migrant Worker Remittances].

Upon AfriOne Bank/Wallet System being authorised to conduct the business of a category four authorised dealer in foreign exchange by the SARB, you may be required to choose the most appropriate BOP Category that relates to the money transfer.

For further information, please visit www.resbank.co.za .

LEGAL REQUIREMENTS:

AfriOne Bank/Wallet System may disclose your personal data if required to do so by law (including, without limitation responding to a subpoena or request from law enforcement, court or government agency) or in the good faith belief that such action is necessary (i) to comply with a legal obligation, (ii) to protect and defend the rights or property of AfriOne Bank/Wallet System, (iii) to act in urgent circumstances to protect the personal safety of users of the Site or the public, or (iv) to protect against legal liability.

FICA DOCUMENTS

AfriOne Bank/Wallet System collects personal data from you, which you voluntarily provide during the registration process for the AfriOne Bank/Wallet System Services. The collection and storage of these documents (proof of ID, proof of income, proof of residence, proof of selfie, proof of permit) are a legal requirement imposed on AfriOne Bank/Wallet System by the FICA and is in line with AfriOne Bank/Wallet System’s internal rules.

By providing these documents and agreeing to our terms, you are agreeing that (i) AfriOne Bank/Wallet System may share these documents with and the documents may be stored by a third party service provider, to which the FICA checks have been outsourced; and (ii) on request from the FIC, AfriOne Bank/Wallet System has to make these documents available to the FIC with regard to a FICA audit or on any other grounds.

Should such a third party service provider, to which the FICA checks have been outsourced, be domiciled outside of the Republic of South Africa, you herewith provide consent to the transfer of the required documents and information outside of the Republic of South Africa.

You have the right to withdraw your agreement to and consent provided in terms of this section of the terms and conditions, but you will then be required to stop making use of the AfriOne Bank/Wallet System Services. To withdraw your agreement and consent in this regard, you should contact AfriOne Bank/Wallet System at the contact details provided in the PAIA Manual on the AfriOne Bank/Wallet System website, provide AfriOne Bank/Wallet System with a copy of your identity document to confirm your identity and specify in respect of what you wish to withdraw your agreement and/or consent.

PAYMENT

When using the AfriOne Bank/Wallet System Services, you will be required to make payment to AfriOne Bank/Wallet System via an Electronic Fund Transfer (“EFT”) or cash at designated payment points. AfriOne Bank/Wallet System will never ask you for your bank details, as they are strictly confidential.

We do not accept cash deposits at any of our designated banks. If you do make a cash deposit into one of our designated banks, AfriOne Bank/Wallet System will charge a cash deposit fee of up to 5% of the deposit amount. This cash deposit fee will be deducted from the deposited funds. The remainder of deposited funds will be utilised to fulfill the money order.

All the necessary information to successfully conclude the EFT is contained in the SMS that you will receive when confirming a money order. You must use your telephone number provided during registration as reference number when making the EFT. If your telephone number changes, please contact us on the WhatsApp number 068 589 4367 immediately to update your information.

AfriOne Bank/Wallet System cannot be held responsible for delays or non-fulfillment of a money order if you:

Use a wrong reference number.

Make cash deposits.

Use a wrong account number.

Use a wrong branch code.

Transfer an amount of funds different to the money order created.

All incoming payments must be in South African Rand (ZAR) into the designated bank accounts. We do not accept payment in any other currencies except otherwise stated or seen on our payment gateways. AfriOne does not process any money but all is done by payment gateways such as Flutter wave, Coin base and direct deposit with the company designated bank.

By creating a money order, you request a specific amount of money to be paid to your designated recipient, using a specific exchange rate. The exchange rate used by AfriOne Bank/Wallet System is clearly shown in the “create order process” function on the Site. By creating a money order on the Site you agree to the exchange rate provided by AfriOne Bank/Wallet System at that point in time.

Please note that AfriOne Bank/Wallet System will not be obliged to pay out the specific amount to the designated recipient prior to receiving full payment from you of the agreed amount payable in respect of the money order created.

Should we not receive payment as aforementioned, for any reason whatsoever, your money order will expire within the designated time. Should we receive payment following the expiry of the money order, we cannot guarantee the same exchange rate. You will have to create a new money order to match the ceived payment and a new exchange rate might apply. AfriOne Bank/Wallet System reserves the right to change the applicable exchange rate at any time.

AFRIONE BANK/WALLET SYSTEM FEE

In consideration for providing the AfriOne Bank/Wallet System Services, we charge a fee as clearly shown during the process of creating a money order or any other service and we keep all fees charges including payment gateways fees under 10% mark. The fee is inclusive of VAT. This fee will be deducted from the incoming payment. By confirming the money order, you agree to payment of the relevant AfriOne Bank/Wallet System fee.

AfriOne Bank/Wallet System reserves the right to change the AfriOne Bank/Wallet System fee at any time.

PAY-OUT

For purposes of these terms and conditions, “pay-out” means the payment and receipt of the amount stipulated by you in the money order, less the AfriOne Bank/Wallet System fee, using the exchange rate as agreed upon in the money order process.

The pay-out option may differ depending on the recipient country or the option selected in the “create money order” process. Please ask the registration officer or view the Site for the available pay-out options.

AfriOne Bank/Wallet System will endeavour to make payment to the designated recipient within 24-48 hours of having received payment in full of a valid money order. Should AfriOne Bank/Wallet System encounter a technical problem and a pay-out has not occurred within the 48-hour time period, you will be contacted and refunded. The cost to you for a refund is 100 ZAR.

AfriOne Bank/Wallet System relies on implementing partners and payment gateways in the recipient countries to facilitate the pay-outs. AfriOne Bank/Wallet System cannot be held responsible for technical, financial or any other problems experienced by our implementing partners, even if this delays a pay-out or results in a pay-out not taking place. AfriOne Bank/Wallet System will endeavour to assist both you and the designated recipient in communicating with our implementing partners to facilitate the pay-out.

Please note that AfriOne Bank/Wallet System is a gateway API system that is 99.9% secure and safe. We strongly depend on their efficiency as much as you depend on us. This also apply to everyone using this platform and not just limited to South Africans. AfriOne Bank/Wallet System do not keep money but entrusted in safe place for your peace of mind. Our office do not keep cash or do cash transaction but done via gateways or bank directly for safety reason.

In the event that the cash is not collected by a beneficiary in a recipient country in respect of a cash pick-up transaction within 7 (seven) days from when the pay-out became available for collection, AfriOne Bank/Wallet System will endeavour to contact both you and the recipient to facilitate the pay-out. Should the cash, however, still not have been collected by the beneficiary within 30 (thirty) days from when the pay-out became available for collection, AfriOne Bank/Wallet System will cancel the transaction at the implementing partner level. Once the transaction is cancelled at the implementing partner level, the unclaimed funds will be moved to an unclaimed account for a period of 3 years and, if the funds remain unclaimed, AfriOne Bank/Wallet System will donate the unclaimed funds to a charity or the unclaimed funds will be applied towards a social impact project.

CANCELLATION OF MONEY ORDERS

You may cancel a money order at any time on the AfriOne Bank/Wallet System web application if we have not yet received payment of the amount stipulated in the money order from you and if a pay-out to the designated recipient has not yet taken place.

If partial or full payment has been received by AfriOne Bank/Wallet System and pay-out to the designated recipient has not yet occurred due to incorrect information supplied by you or due to a cancellation of a money order prior to pay-out, you can contact us on the WhatsApp number 068 589 4367 to request a refund. The cost to you for a refund is will be communicated in ZAR for it will be done or acted upon.

RECIPIENTS

You will be required to provide us with the following information of your designated recipient: name, address, telephone number, account number, branch codes, sort codes and name of wallet. It is very important that the name and telephone number of the recipient is correct. AfriOne Bank/Wallet System cannot be held responsible for a pay-out going to the wrong person if you have provided us with an incorrect telephone number or account details of the recipient. Once pay-out has taken place, the funds cannot be reversed.

DISCLAIMER OF WARRANTIES AND LIABILITIES

Except as expressly and specifically provided for in these terms and conditions all warranties, representations, conditions and all other terms of any kind whatsoever implied by statute or common law are, to the fullest extent permitted by applicable law, excluded from this agreement; and the Services are provided to you on an “as is” basis. AfriOne Bank/Wallet System will endeavour to make pay-outs to the recipient as soon as possible, but we make no representations or warranties regarding the amount of time needed to complete processing because our services are largely dependent upon many factors beyond our control, such as, without being limited to, delays in the banking system and telecommunication systems of mobile telephone networks.

Whilst we will do our best to maintain the operation of our Services, we do not guarantee continuous, uninterrupted or secure access to the Services and operation of the Site and mobile systems may be affected by numerous factors beyond our control. We shall not be liable for any delay or failure in the provision of our Services or the working of our Site and Services where such failure is due to factors beyond our reasonable control, save that we will use reasonable endeavours to fulfil our obligations hereunder.

AfriOne Bank/Wallet System relies on a variety of firms and partners and APIs to implement our Services. We shall not be liable for any delay or failure in the provision of our Services due to any delay or failure in the provision our partners’ services or the working of their sites and services. This relates to, among other things, SMS notifications, all banking, financial services, mobile phone network and website services.

Although we at all times attempt to ensure that the details of the Services offered on our Site are displayed and described accurately, we do not warrant same and disclaim to the maximum extent permitted by law any liability arising from any omissions or inaccuracies pertaining to such display and description.

We will not be held liable for any indirect, special or consequential losses of any kind whatsoever arising in connection with any money order (whether in contract, statute or delict) save to the extent that such liability is excluded by law.

You acknowledge that your access to the Site may be occasionally restricted to allow for repairs, maintenance or the introduction of new facilities or services. We will attempt to restore the Site as soon as we reasonably can.

DISCLAIMERS AND EXCLUSION OF LIABILITY

The following provisions exclude or limit our liability for this website. They all apply only so far as the law allows. In particular, we do not exclude or limit any of our responsibilities under the Financial Services and Markets Act 2000 and the Financial Conduct Authority rules for the conduct of business. The content of this website is for information purposes only. AfriOne Bank A subsidiary of PLATFORM CENTRE PTY LTD has taken care of preparing the content of this website. However, except as set out below, AfriOne Bank and each of its affiliates, licensors, service providers, and suppliers shall not be liable for any inaccurate, delayed, or incomplete information, or any omission nor for any actions taken in reliance thereon and this also include lost or damage incurred on you as the user or client.

The information contained in this website provided by any third party, including without limitation, the information obtained through any link, has been supplied without verification by us. Neither AfriOne Bank nor any of its affiliates, licensors, service providers, or suppliers makes or has made any recommendations or endorsements regarding the products, Investments, or services of any third party mentioned or referred to in this website. Please note that all third-party products, Investments, or services must be ordered or purchased directly from the third party. Commentaries and other materials posted on our site are not intended to amount to advice on which reliance should be placed. This website could include technical or other inaccuracies or typographical errors and it is provided to you on an “as is” basis without warranties or representations of any kind. To the extent permitted by law AfriOne Bank, its affiliates, licensors, service providers, and suppliers expressly exclude all representations, guarantees, warranties, conditions, and terms of any kind, whether express or which might otherwise be implied by statute, common law, or equity [including without limitation, representations, guarantees, warranties, conditions or terms regarding the accuracy, timeliness, completeness, non-infringement, satisfactory quality, merchantability, merchantable quality or fitness for any particular purpose or those arising by law, statute, usage of trade, or course of dealing.

AfriOne Bank and each of its affiliates, licensors, service providers, or suppliers to the fullest extent permitted by law also expressly exclude any liability for any direct, indirect, consequential, or special loss or damage incurred by any user in connection with our website or connection with the use, inability to use or results with the use of our website or any websites linked to it and any materials posted on it including without limitation any liability for loss of income or revenue, loss of business, loss of profits or contracts, loss of anticipated savings, loss of data, loss of goodwill, damage to reputation, wasted management or office time and for any other loss or damage of any kind however arising and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable. Nothing in these ‘Terms of Use’ shall operate to limit or exclude our liability for death or personal injury arising from our gross negligence nor any other liability which cannot be excluded or limited under applicable law.

AfriOne Bank does not guarantee that access to and use of the website will be uninterrupted or error-free. From time to time AfriOne Bank may suspend or restrict access to the website to carry out repairs, maintenance, or to introduce new facilities. AfriOne Bank reserves the right, in its sole discretion, to correct any errors or omissions in any portion of this website.

CHANGES TO TERMS OF USE

AfriOne Bank reserves the right to update and revise these ‘Terms of Use’ at any time without notice to you. You are bound by such updates and revisions so we encourage you to visit this page frequently to keep yourself updated. Your continued use of this website will mean you agree to any changes.

ACCESSING OUR SITE

Access to our site is permitted temporarily, and we reserve the right to withdraw or amend the service we provide on our site without notice (see below). We will not be liable if for any reason our site is unavailable at any time or for any period.

INTELLECTUAL PROPERTY RIGHTS

We are the owner or the licensee of all intellectual property rights on our site and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

You may print off one copy and may download extracts, of any page(s) from our site for your reference and you may draw the attention of others within your organization to material posted on our site.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences, or any graphics separately from any accompanying text.

Our status (and that of any identified contributors) as the authors of materials on our site must always be acknowledged.

You must not use any part of the materials on our site for commercial purposes without obtaining a license to do so from us or our licensors.

If you print off, copy or download any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

OUR SITE CHANGES REGULARLY

We aim to update our site regularly and may change the content at any time. If the need arises, we may suspend access to our site, or close it indefinitely. Any of the material on our site may be out of date at any given time, and we are under no obligation to update such material.

OUR LIABILITY

The material displayed on our site is provided without any guarantees, conditions, or warranties as to its accuracy. To the extent permitted by law, we, and third parties connected to us hereby expressly exclude:

All conditions, warranties, and other terms which might otherwise be implied by statute, common law, or the law of equity.

Any liability for any direct, indirect, or consequential loss or damage incurred by any user in connection with our site or connection with the use, inability to use, or results of the use of our site, any websites linked to it, and any materials posted on it, including, without limitation any liability for:

Ø loss of income or revenue;

Ø loss of business;

Ø loss of profits or contracts;

Ø loss of anticipated savings;

Ø loss of data;

Ø loss of goodwill;

Ø wasted management or office time; and

Ø for any other loss or damage of any kind, however arising and whether caused by tort (including negligence), breach of contract, or otherwise, even if foreseeable, provided that this condition shall not prevent claims for loss of or damage to your tangible property or any other claims for direct financial loss that are not excluded by any of the categories set out above.

This does not affect our liability for death or personal injury arising from our negligence, our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, nor any other liability which cannot be excluded or limited under applicable law.

YOUR OBLIGATIONS

Representations and warranties. You represent and warrant to us when you enter these Terms and on an ongoing basis:

Ø You meet the Eligibility Criteria,

Ø Any information you provide to us is true and accurate,

Ø You comply with all applicable laws and regulations when using the Service.

Ø You have full lawful ownership of the payment accounts and wallets you’re transferring to and from,

and

Ø You will not engage in any activity, directly or indirectly, that would cause us to violate any laws, rules, and regulations applicable to you and us, including but not limited to (i) any applicable laws designed to fight the funding of terrorism and money laundering (including but not limited to the anti-money laundering and anti-terrorism laws, rules), and (ii) economic sanctions programs of the United States, United Nations, Canada, European Union, or the United Kingdom, or of any other countries where you have informed by us in writing that you conduct business.

You further understand that you are solely liable for any legal claim, any financial penalties, and/or other liability of Ours arising thereof, and will compensate and following notice by us will reimburse us within 14 days all costs, including, but not limited to legal consulting expenses, court costs, fines, financial penalties and expenditure on disputes.

You will promptly notify us in writing at afrione@afrionebank.africa or taac@taac.africa if you learn that you have engaged in any activity in material violation of the foregoing laws, rules, or regulations.

Use restrictions. When using the Services, you must behave lawfully and not breach these Terms in any way. In particular, you agree that you won’t:

Ø use the Services for anything unlawful, criminal, harmful, or fraudulent,

Ø Access, store, distribute, or transmit viruses, malicious code, or other harmful technologies,

Ø expropriate data or do anything that infringes the intellectual property rights of a third party,

Ø Reverse engineer, copy, modify, data scape, automate or re-sell any part of the Services,

Ø Use someone else’s email address to access the Services or allow anyone else to access the Services using your email address,

Ø use any automated system to send more request messages to our servers than a human can reasonably produce in the same period or put an unreasonably large load on our infrastructure, and

Ø use the Services to exchange Digital Assets that are regulated securities, derivatives, or financial instruments.

Unauthorized access. You must tell us immediately if there has been any unauthorized access to your AfriOne account or data by emailing afrione@afrionebank.africa. We won’t be liable for any loss you suffer of any kind and this includes a loss as a result of you giving access to your account to anyone else or for any other incidents which derive from access to your account for any reason.

PAYMENT AND FEES

What we charge. We charge you the price to buy or sell your Digital Assets plus the following fees (Fees):

Ø Charged by us to execute your trade.

Ø Fiat and conversation of currency

Ø Third-party Fees

Ø Payment Services Provider Fee. Charged by the fiat payment gateway.

Ø Fiat transfers or remittances

Ø Fee On Top. Charged by the third-party app or service you’re accessing AfriOne through.

Ø Network Fee. Charged by the Blockchain executing your trade.

Ø Digital Assets - You can find out how much our fees are by chatting with our support team.

Taxes. You are responsible for complying with applicable law. You agree that AfriOne Bank is not responsible for determining whether or which laws may apply to your transactions, including tax law. You are solely responsible for reporting and paying any taxes arising from your use of the Services.

Disclosure. We will make all reasonable efforts to let you know the conversion rate and how much you’ll be charged in Fees for each before you enter into a trade.

TERM, TERMINATION & SUSPENSION

Term. These Terms start when you access and use the Services and continue to apply until terminated by either you or us.

When we can terminate or suspend your access? We can immediately suspend your access to and use of the Services or terminate these Terms without advance notice or liability to you if:

Ø You no longer meet the Eligibility Criteria,

Ø you breach these Terms,

Ø You don’t pay our Fees, or

Ø We’re instructed or required to do so by a governmental body, law, or regulation.

Please be aware that at any time, AfriOne, subject to its sole discretion, is entitled to terminate your access to the Services, including AfriOne’s right to: refuse to process, cancel and reverse any transaction, regardless of if corresponding funds have been debited from your payment method; suspend, restrict or terminate an AfriOne user.

Consequences of our suspension or termination. If you’ve initiated a trade before we terminate or suspend your access, we’ll return the relevant Fiat currency or Digital Assets to you unless law or regulation doesn’t allow us to. Anything in these Terms which is intended to survive termination - including your indemnity, taxes, warranty disclaimers, IP, and governing law - will remain in force.

CONFIDENTIALITY

Mutual obligations. Each party agrees to keep all confidential and sensitive information shared by the other party secure and confidential for these Terms, and only use the other’s confidential information to fulfill the purpose of these Terms.

Sharing confidential information. A party may share the other’s confidential information with its officers, Affiliates, employees, contractors, members, representatives, professional advisors, agents, and subcontractors ( the “Permitted Receivers”) on a need-to-know basis provided they are committed to writing to confidentiality obligations similar to what is set out in these Terms. Each party is liable for any act or omission of its Permitted Receivers that would constitute a breach of this Agreement if it were a party to it.

Obligations on termination. Each party must take reasonable steps to destroy or erase any confidential information it holds from the other party within 30 days of the owner’s request, except that copies of confidential information may be retained if they are securely stored in archival or computer back-up systems and if necessary to meet legal or regulatory obligations.

INTELLECTUAL PROPERTY

All intellectual property rights in AfriOne and the Services are owned by us and remain owned by us. You’re not allowed to reproduce or store any part of AfriOne, our Services, or marks in any way without our prior written permission which we may deny for any given reason.

DATA PROTECTION (POPI, PATA & CPA ACT 68)

We comply with all applicable data protection laws at all times and only use your data to provide you with the Services. Check out our Privacy Policy for full details on what we collect, why we need it, and how we look after it.

DISCLAIMERS

Warranty Disclaimer.

AFRIONE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT ANY WARRANTY UNDER THESE TERMS AND TO THE EXTENT ALLOWED BY APPLICABLE LAW ALL EXPRESS OR IMPLIED CONDITIONS, REPRESENTATIONS, AND WARRANTIES INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, SATISFACTORY QUALITY, OR ARISING FROM A COURSE OF DEALING USAGE, OR TRADE PRACTICE, OR WARRANTY OF NON-INFRINGEMENT ARE DISCLAIMED.

IN NO EVENT SHALL AFRIONE, IT'S AFFILIATES AND SERVICE PROVIDERS, OR ANY OF THEIR RESPECTIVE OFFICERS, DIRECTORS, AGENTS, JOINT VENTURERS, EMPLOYEES, CONTRACTORS, OR REPRESENTATIVES, BE LIABLE FOR ANY LOST PROFITS, DIMINUTION IN VALUE OR BUSINESS OPPORTUNITY, ANY LOSS, DAMAGE, CORRUPTION OR BREACH OF DATA OR ANY OTHER INTANGIBLE PROPERTY OR ANY SPECIAL, INCIDENTAL, INDIRECT, INTANGIBLE, OR CONSEQUENTIAL DAMAGES, WHETHER BASED IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE, ARISING OUT OF OR IN CONNECTION WITH AUTHORIZED OR UNAUTHORIZED USE OF THE AFRIONE SERVICES OR THESE TERMS, EVEN IF AN AUTHORIZED REPRESENTATIVE OF AFRIONE HAS BEEN ADVISED OF OR KNEW OR SHOULD HAVE KNOWN OF THE POSSIBILITY OF SUCH DAMAGES.

AFRIONE MAKES NO REPRESENTATIONS ABOUT THE ACCURACY, ORDER, TIMELINESS, OR COMPLETENESS OF HISTORICAL OR CURRENT ELIGIBLE DIGITAL ASSETS PRICE DATA AVAILABLE THROUGH THE AFRIONES SERVICES. AFRIONE WILL MAKE REASONABLE EFFORTS TO ENSURE THAT REQUESTS FOR TRANSACTIONS ARE PROCESSED PROMPTLY BUT AFRIONE MAKES NO REPRESENTATIONS OR WARRANTIES REGARDING THE AMOUNT OF TIME NEEDED TO COMPLETE PROCESSING (WHICH IS DEPENDENT UPON MANY FACTORS, INCLUDING THOSE OUTSIDE OF OUR CONTROL), AND AFRIONE SHALL NOT BE LIABLE FOR ANY LOSSES OR DAMAGES WHICH YOU MAY INCUR AS A RESULT OF ANY DELAY IN THE PROVISION OF THE SERVICES.

LIABILITY

Liability we can’t exclude. We don’t exclude liability for fraud, death, or personal injury caused by negligence, or anything which cannot be excluded by law.

Exclusions. We’re not liable for the following:

Ø loss which isn’t reasonably foreseeable, including any indirect or consequential losses,

Ø loss of data, funds, Digital Assets, or any losses you suffer as a result of price fluctuations, inaccuracies in price information given about Digital Assets, or non-availability of Digital Assets, and

Force Majeure: loss resulting from anything outside of our reasonable control, which includes anything any third party does or fails to do, including third-party exchanges, APIs Provided, token issuers and/or wallet providers, delay or failure due to any act of God, an act of civil or military authorities, an act of terrorists, civil disturbance, war, strike or other labor dispute, fire, interruption in telecommunications or Internet services or network provider services, failure of equipment and/or software, other catastrophe or any other occurrence which is beyond our reasonable control and shall not affect the validity and enforceability of any remaining provisions.

In no event shall you have any recourse, whether by setoff or otherwise, concerning our obligations, to or against any assets of any person or entity other than AfriOne, including, without limitation, any member, shareholder, Affiliate, investor, employee, officer, director, agent or advisor of AfriOne.

Limitation on liability. Our liability for any claim brought under these Terms is limited to the Fees paid by you in the 12 months directly before the claim.

Written notification of errors. Under the information published in AfriOne's FAQs, all claims of EFT Errors should be addressed in writing to afrione@afrionebank.africa and include the following relevant information: user identification such as name and associated email account, the time and date when the error occurred, specific information regarding the alleged error.

Liability of Third Parties. AfriOne is not liable for the actions of any third party. You acknowledge and understand that issuers of certain digital assets may become insolvent or restructure and that this may cause extreme volatility and loss related to digital assets issued by those providers. AfriOne bears no connection to any third-party token issuer and is not liable for any insolvency proceedings and damage in connection, either directly or indirectly, caused by those insolvency proceedings in any jurisdiction or any court. You further acknowledge and understand that there have been increasing insolvency proceedings among digital asset platforms which may impact access to the digital assets that are held in wallets and or accounts that are provided by those platforms. Your purchase of digital assets should be made after careful care and consideration and your research. AfriOne makes no representations regarding dealing with digital assets.

INDEMNITY

You agree to indemnify and hold harmless AfriOne Bank and its Affiliates, and their respective employees, managers, officers, directors, partners, and shareholders from any losses, damages, suits, and expenses, of whatever kind, including reasonable legal fees and the costs of any trades (e.g. any Network Fees) that we incur in connection with or arising out of your access to or use of the Services, or our activities in connection with such Services, and for your breach of these Terms or violation of any law, regulation, order or another legal mandate, or the rights of a third party, or any act or omission by you or any person acting on your behalf while using the Services, regardless of whether the specific use as expressly authorized by you.

OTHER IMPORTANT INFORMATION

Nobody else has any rights under these Terms. These Terms are a contract between you and us. No other person shall have any rights to enforce any of its terms.

Even if we delay in enforcing this contract, we can still enforce it later. If we don’t immediately insist that you do something you are required to do under these Terms, or if we delay in taking steps against you in respect of your breach, we can still do so later on.

Severability. If any provision in these Terms is found to be unenforceable, that provision shall be severed with the remainder of these Terms remaining in full force and effect.

Entire Agreement. These Terms constitute a complete and exclusive agreement between you and AfriOne which is powered by Platform Centre Pty Ltd South Africa. In the event of inconsistency or discrepancy between the Terms and any other document accompanying it, the Terms shall prevail.

Governing law and jurisdiction. Unless expressed otherwise or inadmissible by law, these Terms and all documents and contractual rights and obligations arising about the Services, are governed by the Governing Law and the courts of the Jurisdiction have exclusive jurisdiction to hear disputes in connection with them.

INFORMATION ABOUT YOU AND YOUR VISITS TO OUR SITE

We process information about you by our privacy policy. By using our site, you consent to such processing and you warrant that all data provided by you is accurate.

VIRUSES, HACKING, AND OTHER OFFENSES

You must not misuse our website by knowingly introducing viruses, Trojans, worms, logic bombs, or other material which is malicious or technologically harmful. You must not attempt to gain unauthorized access to our website, the server on which our Website is stored, or any server, computer, or database connected to our website. You must not attack our website via a denial-of-service attack or a distributed denial-of-service attack. By breaching this provision, you will commit a criminal offense and we will report any such breach to the relevant law enforcement authorities and will cooperate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our website will cease immediately. We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses, or other technologically harmful material that may infect your computer equipment, computer programs, data, or other proprietary material due to your use of our Website or to your downloading of any material posted on it or any website linked to it. This website (excluding linked sites) is controlled by AfriOne Bank from its offices. By accessing this website, you and AfriOne Bank agree that all matters relating to your access to, or use of, this website shall be governed by the statutes and laws of England and Wales, as applicable, without regard to the conflicts of laws principles thereof. You and AfriOne Bank also hereby submit to the exclusive jurisdiction and venue of the courts of England and Wales concerning any matters arising in connection with these Terms of Use.

LINKS FROM OUR SITE

Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those sites or resources and accept no responsibility for them or for any loss or damage that may arise from your use of them. When accessing a site via our website we advise you to check its terms of use and privacy policies to ensure compliance and determine how they may use your information.

JURISDICTION AND APPLICABLE LAW

The English courts will have non-exclusive jurisdiction over any claim arising from, or related to, a visit to our site.

These terms of use and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed by the law of England and Wales. This site is hosted, run, and managed in London, United Kingdom.

CONTACT INFORMATION

Any questions or suggestions about these Terms and conditions should be addressed via email to: “afrione@afrionebank.africa”.

This notice is reviewed intermittently and may be updated at any time. We are regulated by the Information Commissioner’s Office You can contact them for advice and support.

Thank you

Privacy & Compliance Department.

2 Baanbreker Avenue, Helderkruin, Roodepoort South Africa

AFRIONE BANK – EVERYONE IS BANKABLE

Terms And Conditions

+27 87 809 3140

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