Terms of Use

The terms and conditions contained in this document are the terms and conditions under which Kanoo X - Guyana’s website (incorporating the Kanoo X - Guyana.com platform) may be used by users of, and visitors to, the website.

Information and Accuracy

While Kanoo X - Guyana attempts to convey accurate and current information about this website, the information provided may contain typographical or technical errors. All information is provided “as is” with no guarantee of completeness, accuracy, or the result obtained from using this information and with warranty of any kind, expressed or implied. Users are advised to confirm the accuracy of any information presented on this website before trusting it in any way.

Products and services

Kanoo X - Guyana’s products and services may be changed or updated without prior notice.

Liability

While we have taken all reasonable steps to ensure the accuracy and completeness of the content of the website, we exclude any warranties, undertakings or representations (either express or implied) to the full extent permitted under applicable law, that the website or (including without limitation) all or any part of the content or materials, accuracy, availability or completeness of the content of the website or any part of the content or materials are appropriate or available for use in any jurisdiction where we provide our services. If you use this website from other jurisdictions, you are responsible for compliance with applicable local laws.

We accept no liability (including without limitation) in either contract, tort, negligence, statutory duty or otherwise (to the maximum extent permitted by applicable law) arising out of the use of or access to this website (which includes without limitation) any errors or omissions contained in this website or if the website is unavailable. We shall not be liable for any direct or indirect:

• Economic losses (including, without limitation, loss of revenues, data, profits, contracts, use, opportunity, business or anticipated savings);
• Loss of goodwill or reputation.
• Special, incidental, consequential loss or damage suffered or incurred arising from or in connection with your use of this website and these terms and conditions.

Access to and use of this website is at the user’s own risk. We do not warrant that the use of this website or any material downloaded from it will not cause damage to any property or otherwise minimise or eliminate the inherent risks of the internet, including but not limited to loss of data, computer virus infection, spyware, malicious software, trojans and worms. Also, we accept no liability in respect of losses or damages arising out of changes made to the content of this website or by either authorised or unauthorised third parties.

To provide increased value to users of this website, we may provide links to other websites or resources (not part of Kanoo X - Guyana) for you to access at your sole discretion. You acknowledge and agree that, as you have chosen to enter the linked website, we are not responsible for the availability of such external sites or resources, and do not review or endorse and shall not be responsible or liable, directly or indirectly, for

1. the privacy practices of such websites
2. the content of such websites, including (without limitation) any advertising, content, products, goods or other materials or services
3. the use that others make of these websites or resources, nor for any damage, loss or offence caused or alleged to be caused by, or in connection with, the use of or reliance on any such advertising, content, products, goods or other materials or services available on such external websites or resources.

Complaints & Disputes

In the event of a dispute between the parties concerning an agreement, each of the parties shall, in the first instance, bring the dispute to the attention of a Director or similar officer at the earliest opportunity.

Rejection of an application or other type of business

Kanoo X - Guyana has the right to refuse the business of any potential or current customers for moral, ethical or any other reason(s), even if the information they have supplied is accurate and complete. We retain this right if we feel that the customer and/or the information they have supplied is different from what it appears. All rejections are sent via e-mail once an assessment has been completed.

Declaration

During our assessment of any application by a party to become a Participating Merchant, we may use the services of credit reference agencies to confirm your home address and calculate your credit score.

Information held by the credit reference agencies is used by us and others to help verify the identity of existing and potential customers and to assess their ability to meet financial commitments. This enables accounts to be opened more quickly and reduces the need to obtain third-party references.

To enable us to form an accurate view of the existing financial commitments of existing and potential customers, credit reference agencies may link the records of “financial associates” (such as spouses, family members, or cohabitees) who have entered into joint financial obligations. Once linked, this association means that each of the records will be taken into account in all future applications for credit by either financial associate and will continue until one of them successfully files a “disassociation” with the credit reference agencies by establishing that this financial link no longer exists. Information held about you by the credit reference agencies may already be linked to records relating to one or more of your “financial associates”. If so, for any application to us for services, you may be treated as financially linked, and if so, your application will be assessed with reference to any associated records. Further details about “financial association”, “disassociation”, and credit reference agencies are available by contacting the credit reference agencies directly.

We may make periodic searches of our records, credit reference agencies, and fraud prevention agencies to manage your account and to make decisions regarding your account and the terms under which we have opened it, including whether to confirm or extend your account.

You have the right to access your records held by credit reference and fraud prevention agencies. We will supply the names and addresses of the agencies we use upon request.

By submitting the application documents, you confirm that you have read the foregoing and agree to us obtaining the information mentioned above during our assessment of your application for payment processing services.

Reporting illegal or offensive content

Kanoo X - Guyana reserves the right, but does not bear the responsibility, to prohibit, delete or report any conduct, communication or content which we, in its sole discretion, determine to be unlawful, potentially harmful to others or may expose Kanoo X - Guyana to harm or liability. By content, we mean the text, software, communications, images, sounds and other information provided online, hosted or transmitted in connection with or as a result of the services provided to you. You agree that all claims, disputes, or wrongdoings that result from or are related in any way to, the content of information that you transmit, re-transmit, host, or receive through the services are your sole and exclusive responsibility.

As part of the application process and the entire time you use our services, we monitor the conduct of our merchants and customers and any content distributed, hosted or posted through our services. You may not transmit, distribute, host or store material or participate in any conduct that may violate any applicable foreign or international local, state, federal or national law or regulation. This includes, without limitation:

• Any unauthorised use of material protected by patent, copyright, trademark, or other intellectual property rights.
• Material that is defamatory, obscene, constitutes an illegal threat or harassment, violates export control laws, or is used to commit fraud or any other activity that is prohibited by criminal or civil law.
• material that exploits children under the age of 18.
• material that provides, sells, or offers to sell the following: controlled substances, illegal drugs and drug contraband, alcohol, weapons, pirated materials, programs to attack others, illegal goods or services, instructions on making, assembling or obtaining illegal goods or weapons, information used to break, copyright, violate the trademark of or to destroy others’ property or information used to harm any people or animals illegally.
• material that takes part in, or allows any third party to take part in, the following: reverse engineering, reverse compiling or otherwise deriving the underlying source code, structure or sequence of the technology, altering copyright notices and attributes (unless you have written permission by the legal owner); or material or conduct which we believe to be unlawful, offensive or harmful.

Any merchants, including any applications we receive, that violate the above may be reported to the relevant governing bodies.

Releasing information to prevent or detect crime

Please be aware that there is an exemption in the Data Protection laws that allows us to give out personal information to fight and prevent crime.

General

We will do our best to resolve any disputes about these terms and conditions by negotiation with you. If you wish to bring a legal claim against us, you must do so within the Republic of North Macedonia, and the courts of North Macedonia shall have exclusive jurisdiction for such claim. These terms and conditions shall be governed by and construed under the laws of North Macedonia.