1. Object of the contract

These general terms and conditions ("GTC") govern, with our privacy policy and all other policies or guidelines posted on www.my-coolpay.com, the terms of use of our platform (website and mobile applications) and constitute the contract between you and DIGITAL HOUSE INTERNATIONAL, a company that publishes the My-CoolPay platform specialized in the development of of innovative IT solutions for companies and Innovative and disruptive services (including financial services) for the greatest mass.

The purpose of this contract is therefore to regulate access and the terms and conditions of to use the My-CoolPay platform. We invite you to read it carefully.

By clicking on the Login, Registration and Confirmation buttons of an operation on the platform, you acknowledge that you have taken note of the following and accept all of these terms and conditions in full.

2. Presentation of My-CoolPay

My-CoolPay is a PSP (Payment Service Provider), platform that provides intermediary payment services ensuring the connection between companies and/or institutions financial institutions and their Cameroonian and international clients.

My-Coolpay is also an aggregator that, in partnership with banks, mobile money operators and money transfer services allows for national and international payments. Payments that can be made from mobile money (Orange Money, MTN Mobile Money, Expres Union Mobile Money, ...) and credit cards.

My-CoolPay also offers the service of money to a bank account or a mobile money (Orange Money, MTN Mobile Money, Expres Union Mobile Money, ...).

Your registration is not limited in time. Either you or we may terminate the registration at any time by observing a notice period of two working days. The right of termination Extraordinary for serious reasons is kept.

3. Account types

My-CoolPay offers two types of accounts, namely : Personal Account (e-wallet) and Business Account/Merchant Account

To create an account on My-CoolPay, you must have an A valid phone number, identified by a cell phone operator and an email address.

However, to access the Merchant/Business Account, you need to do an request from your member area and provide your company's documents.

However, My-Coolpay reserves the right to accept your membership or not to its platform. for the use of the services offered. My-CoolPay also reserves the right of you to grant a specific waiver on a missing document or to ask you for specific information. additional documents being produced as part of its efforts to fight against money laundering and terrorist financing.

4. Notifications

• You agree that My-CoolPay may then notify you or send you any other information by publishing it on your account, sending it by e-mail or by SMS to the e-mail address and phone number you entered on My-CoolPay.
• When you receive a payment, you are notified on your dashboard, by email/SMS. The amount paid deducts service fees and commissions. My-CoolPay is automatically added to your account balance.
• Any notice sent to My-CoolPay under this Agreement must be sent by e-mail to legal@my-coolpay.com

5. Commissions and service fees

Commissions are charged on each transaction to the recipient. funds, the person making the payment pays exactly the net amount due.

In some cases, additional fees may be charged for :

• Cover our processing costs and inter-state money transfer costs
• Convert currencies if necessary
• La gestion et la tenue de votre compte My-CoolPay

You are therefore invited to see the price list.

6. Errors and failed, unauthorized or denied transactions

You can consult your transaction history at any time. Therefore, we invite you to contact My-CoolPay immediately if you have reason to believe that one of the following situations has occurred :

• A transaction or access not authorized by you has been made to your account ;
• Your computer or phone has been lost or stolen
• If you can no longer log in to your account
• If you think an error has been made on your account (error on the date of birth for example)

7. Limitations of My-CoolPay's liability

Nous ne sommes pas en mesure de prétendre à la mise en place des fonctions spécifiques pour chaque utilisateur ou même de garantir la disponibilité de notre service à tout moment. Toutefois, nous sommes en droit à tout moment, de procéder à des modifications au niveau des contenus ou des fonctionnalités (via des correctifs, mises à jour, …). Des problèmes techniques ou des mesures de maintenances peuvent entraîner l’indisponibilité de la plateforme. Dans l’un ou l’autre cas, nous nous engageons à faire de notre mieux pour que tout reviennent à la normale dans les plus brefs délais.

We cannot be held responsible for malfunctions due to the negligence of the user.

My-CoolPay is not responsible for the non-utilization or non-receipt of the goods or services paid for by its customers. intermediary, but a claim can be filed by the customer against the company/trader/tratup. with My-CoolPay customer service.

However, this claim does not confer in any case to its author a right with respect to My-CoolPay. As such, its author cannot prevail as a means of proof to take legal action against My-CoolPay.

My-CoolPay is responsible for the connection between the company and its customer. at the time of payment and the payment process.

My-CoolPay does not guarantee the reliability of the company on which you make the payment.

8. Paiements

8.1- Provision of means of payment

My-CoolPay to make available to users the payment methods integrated on its platform. with the exception of bank cards if the user is not installed in Cameroon, except in the following cases particular (to be studied with our compliance)

8.2- payments refused or failed

When a payment is made, if only one step of the procedure is validated (wrong information in the dialog box, password error, wrong confirmation code, insufficient balance, etc), the transaction is automatically interrupted or cancelled and your account balance remains unchanged.

8.3- Payment via international means (VISA, MASTERCARD, etc.)

When the payer chooses an international payment method (VISA, MasterCard, etc.), My-CoolPay converted the initial amount to be paid in an international currency (USD or EUR), adds a fee of changes (at the expense of the paying end customer) in the event of a change in the due date. If the payment is successful, the amount paid deducted from My-CoolPay service fees and commissions is automatically added to your account balance.

8.4- Processing time for payments and withdrawals

Payments are processed and confirmed instantly. Updating your balance can be done by against taking a few minutes (although this is rare) depending on network availability.

Withdrawal of money from your account to outside (Bank account, Mobile money, ...) or cash via a partner network is carried out according to the processing time of the means of payment:

• Snapshot for withdrawals via Mobile Money (MTN mobile money and Orange Money)
• Between 24h and 72h for transfer requests to a bank account

If a transaction (payment, withdrawal, My-CoolPay account recharge, contribution to a jackpot) is not possible, My-CoolPay will instantly inform you of the failure and/or refusal of the transaction.

9. Prohibited activities

My-CoolPay should not be used for :

• Who violates any law, contract, ordinance or regulation
• In connection with transactions involving (a) products that present a risk to the (b) drugs and any other associated illegal and unlawful objects for the purpose of Promote illegal activities or explain to others how to carry them out; (c) stolen objects (virtual and physical), (d) objects that promote hatred, violence, racial intolerance; € objects that infringe or violate a copyright ;
• In connection with transactions that (a) reveal the personal information of third parties ; (b) supporting PonZi chain systems, matrix systems, other scams ;
• Which involve a sector of activity that requires authorization or approval from the public authorities
• My-CoolPay reserves the right to block your account, transactions and funds by cases of suspected fraud and/or proven fraud. The duration of the blocking will depend on the nature of the fraud, and will not exceed 120 days to conduct a study financial, investigation or audit.

10. Modification of the GTCs

DIGITAL HOUSE INTERNATIONAL may at any time modify these terms and conditions in order to to adapt to its technological and business environment and to comply with the regulations in force. Any modification of the present GTC will be published on the platform with a mention of the update date and will be notified to all members of the My-CoolPay community (user with an account on My-CoolPay) before it becomes effective.