Introduction

These Terms and Conditions ("Terms") govern your access to and use of the MishTranzact platform, products, and services. By accessing or using any services provided by MishTranzact Technologies Limited ("we," "our," "us," or "MishTranzact"), you agree to be bound by these Terms. If you do not agree to these Terms, you must refrain from using our platform and services.

Definitions

  • "User" or "You": Any individual, SME, startup, or organization that registers, accesses, or uses the MishTranzact platform.
  • "Platform": The web and mobile-based applications developed and maintained by MishTranzact.
  • "Services": Workforce management, employee records, time-tracking, payroll and billing management solutions, analytics, and all other services provided by MishTranzact.
  • "Data": Any user-generated or user-provided information including but not limited to business information, employee data, billing details, and financial transactions.
  • "Third Party": Any service provider, payment gateway, government institution, or affiliated business partner.

Eligibility

You may use the services only if:

  • You are at least 18 years of age.
  • You have the legal capacity to enter into a binding contract.
  • You are duly registered (for businesses) with the Corporate Affairs Commission (CAC) in Nigeria or another appropriate authority.
  • You agree to comply with all applicable laws and regulations in Nigeria.

Account Registration and Security

  • Users are required to register an account to access MishTranzact services.
  • You agree to provide accurate and complete information and keep it updated.
  • You are responsible for safeguarding your login credentials and are liable for all activities conducted under your account.
  • MishTranzact reserves the right to suspend or terminate your account if any information is found to be false, misleading, or fraudulent.

Account Registration and Security

  • Users are required to register an account to access MishTranzact services.
  • You agree to provide accurate and complete information and keep it updated.
  • Identity verification (KYC/AML compliance)
  • You are responsible for safeguarding your login credentials and are liable for all activities conducted under your account.
  • MishTranzact reserves the right to suspend or terminate your account if any information is found to be false, misleading, or fraudulent.

Use of Services

Users agree to:

  • Use MishTranzact services only for lawful purposes.
  • Not engage in any activity that interferes with or disrupts the integrity or performance of the platform.
  • Not use the platform to transmit unlawful, libelous, harmful, or obscene content.
  • Not attempt to reverse-engineer, decompile, or gain unauthorized access to any part of the platform or its code.
  • Comply with all applicable tax, labor, and regulatory obligations when using our services for payroll or workforce management.

Service Availability and Modifications

We strive to ensure continuous availability of our platform but do not guarantee uninterrupted service due to maintenance, upgrades, or unforeseen technical issues.

MishTranzact may modify, suspend, or discontinue services (in whole or in part) with or without notice. Where possible, prior notice will be provided.

Fees and Payments

We may share personal data with:

  • Access to certain services or features may be subject to fees as outlined on our pricing page or in individual service agreements.
  • Payments are due as agreed in subscription contracts or invoicing terms.
  • Failure to pay may result in suspension or termination of services.
  • All fees are quoted in Nigerian Naira (₦) and are exclusive of VAT or other applicable taxes unless stated otherwise.

User Responsibilities

As a user of MishTranzact, you agree to:

  • Provide accurate employee, payroll, and billing information.
  • Ensure timely funding of salary or payment transactions through authorized channels.
  • Maintain confidentiality of employee records uploaded to the platform.
  • Refrain from using the platform to engage in fraud, financial crime, or unauthorized transactions.

Data Privacy and Protection

MishTranzact processes personal and business data in accordance with the Nigeria Data Protection Act (NDPA). Our commitments include:

  • Collecting and using only necessary data for service delivery.
  • Securing data using industry-standard encryption and storage practices.
  • Not sharing or selling user data to third parties without explicit consent, unless required by law.
  • Providing users access to, and control over, their data where applicable.

Refer to our Privacy Policy for detailed information.

Intellectual Property

All content, trademarks, source code, and service designs on the MishTranzact platform are the intellectual property of MishTranzact Technologies Limited and are protected under Nigerian and international copyright laws. You may not:

  • Copy, reproduce, republish, transmit, or distribute any content without prior written consent.
  • Use MishTranzact branding or materials for commercial purposes without authorization.

Third-Party Services

MishTranzact may integrate with third-party tools (e.g., identity verification, payment gateways, pension administrators). You acknowledge and agree that:

  • Use of third-party services is at your own risk.
  • MishTranzact is not responsible for any failure or breach caused by these third parties.
  • You must comply with the terms and conditions of such third parties.

Limitation of Liability

To the fullest extent permitted under Nigerian law:

  • MishTranzact shall not be liable for any indirect, incidental, punitive, or consequential damages, including but not limited to loss of data, revenue, or business opportunities.
  • We shall not be liable for losses arising from service interruptions, unauthorized access, or breaches beyond our control.

Indemnification

You agree to indemnify, defend, and hold harmless MishTranzact, its directors, employees, and partners from any claims, losses, damages, liabilities, or legal fees arising out of:

  • Your misuse of the services.
  • Breach of these Terms.
  • Any violation of applicable laws or third-party rights

Suspension and Termination

MishTranzact reserves the right to:

  • Suspend or terminate user access for violation of these Terms, AML/CFT non-compliance, or misuse of the platform.
  • Retain and restrict access to your account and data in the event of suspected fraudulent activity pending investigation.
  • Provide users with a reasonable explanation unless prohibited by law.

Dispute Resolution and Governing Law

Any disputes arising from these Terms shall be resolved amicably within 30 days of written notice. If unresolved, disputes shall be submitted to arbitration under the Laws of the Federation of Nigeria. These Terms shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria.

Force Majeure

MishTranzact shall not be held liable for failure to perform its obligations where such failure is due to events beyond its reasonable control, including but not limited to natural disasters, internet outages, civil unrest, government restrictions, or acts of God.

Updates and Revisions

MishTranzact may revise these Terms at any time. Updates will be communicated via email or platform notification. Continued use of the platform after changes constitute acceptance of the updated Terms.

Contact Information

For any questions or concerns about these Terms, contact us at:
Email: legal@mishtranzact.com
Phone: +2349129518955

Acceptance of Terms

By registering or using MishTranzact services, you acknowledge that you have read, understood, and agreed to be bound by these Terms and Conditions.