LiberPay Privacy Policy

LiberPay Privacy Policy 

 

OVERVIEW 

Welcome to LiberPay Privacy policy. We take our clients’ information with confidentiality, so we have put together a well-thought-out privacy document to keep you informed. This privacy document gives you details on how your information on our platform is used or will be used; please take your time and read through the privacy policy. This agreement is a contract between you and LiberPay governing your use of your LiberPay account and LiberPay services. 

You agree to comply with all of the terms and conditions in this user agreement. The terms include an ( insert-agreement to dispute here) on an individual basis. You also agree to comply with the following additional policies and each of the other agreements posted on Liberpay.com/legal that apply to you: This Privacy Policy sets forth the policy and procedures of LiberPay. (Variously, “, “we”, “our” or “us) in regard to the collection, usage, and disclosure of personal and/or corporate information that you may provide to us through using this LiberPay, or by using any service provided by (the “live streaming platform”). If you do not accept this Privacy Policy and/or do not meet and/or comply with the provisions set forth herein, you are free to opt-out of our services. 

ELIGIBILITY 

Using LiberPay requires you to open an account. If you want to use your account balance to send money to another LiberPay user, then you’ll need to give us some more information about you, and we’ll need to be able to verify your identity. 

You must be at least 18 years and the age of majority in your country of residence, and you must register for an account (your “Account) to use the Service. Some features, such as the ability to send money to another LiberPay user with the balance in your Account, may be available only if you provide us with certain information about you and we are able to verify your identity. 

SIGNING UP FOR LIBERPAY ACCOUNT 

We offer one account type of purposes: personal accounts. You may only have one personal account. To create a personal account, you must reside in the United States or Liberia, be at least 18 years old or the age of majority, and use a cellular/wireless telephone number that you own. 

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LIBERPAY ACCOUNT 

Here’s the part where you tell us you own the email or phone number you registered with and that the personal information you provide to us is correct. You agree to cooperate with us so that we can verify your identity. We might use third parties to help us do so. 

You represent and warrant that you own the email or mobile phone number you register with and all information entered or collected in the course of creating your Account and any information you subsequently add or update from your settings (“Account Information”) is true and accurate. All Account Information is subject to Whole Image. 

To register, open, use, or upgrade an Account, Whole Image may require that you submit certain Account Information, including but not limited to your name, email address, text-enabled mobile phone number, street address, zip code, date of birth, social security number, and a government-issued form of identification to Whole Image. 

When you first open your Account, it will be a “Restricted Account.” A Restricted Account has all the features and functionality described in these Terms of Service except that you cannot make a payment to another LiberPay customer (including a Cash for Business Seller) using your LiberPay Balance (defined below). With a Restricted Account, you may link an external, issued bank account (an “Eligible Bank Account”) (subject to these Terms of Service) to make a payment to another LiberPay customer (including payments made to a Business Seller), and you may transfer funds from your LiberPay Balance to your Eligible Bank Account. If you have a Restricted Account and you attempt to make a payment to another LiberPay customer from your LiberPay Balance, then you will be given the option of upgrading your Account to an “Unrestricted Account”. To upgrade your account, you will need to provide us with certain personal information so that we can verify your identity (KYC). 

The first time you access your account using a new device we may require you to authenticate your account with additional information. If your account cannot be verified you may be required to set up a new account. 

You hereby authorize Whole Image, directly or through third parties, to make any inquiries we consider necessary to validate your identity or authenticate your identity and Account Information and, for Cash for Business Accounts, your company, or employer. This may include asking you for further information or documentation about your account usage or identity, requiring you to take steps to confirm ownership of your email address, mobile phone number or financial instruments, or verifying your information against third party databases or through other sources. 

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In connection with your use of the Service, you may not refuse to (a) cooperate in an investigation concerning activity that potentially violates the law or the Service Terms, (b) provide confirmation of your identity, or (c) provide confirmation of any information you provide us. 

PERSONAL INFORMATION 

The personal information session is personally identifiable information that you knowingly choose to disclose, which is collected on an individual basis. We may ask for certain Personal Information from you for the purpose of providing quality services using the LiberPay app or our website. We collect Personal Information such as your: 

a. Contact information (including name, address, and email); 

b. Financial information (such as credit card number, expiration date, verification number, and billing address); 

c. Bank information such as; social security number, bank name and address, and number. By registering, you are authorizing us to collect, store, and use your email address, and other such information you provide during registration, in accordance with this Privacy Policy. Once you register, you have opted in to receiving electronic communications, a special discount from LiberPay. 

NON-PERSONAL INFORMATION 

Nor personal information is generally that does not contain personally identifiable information. This will be collected based on your uses of our website and not the app. 

RECEIPTS AND ACCOUNT STATEMENT 

You can find your transaction receipts and account statements in your LiberPay account. You have the right to receive a receipt for some of your LiberPay transactions. Such transaction receipts can be found in the activity section of your LiberPay and by logging into your Account at LiberPay. You have the right to receive an Account statement. You may view your Account statement by logging into your Account at LiberPay. You may obtain information about the amount of money you have remaining in your Account and can view your 12-month and 24-month history of Account transactions. 

ERROR RESOLUTION 

Contact us if you see any errors or issues with your account. Our contact info is below, along with a description of the process and timeline for us to look into your issue. We’ll need some basic information from you to begin our investigation. 

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In case of errors or questions about your account call us at 8881 | +250 789 033 403, please note 

1. This is the only phone number customers can call for LiberPay support, and 2. LiberPay representatives will never ask you for your password, PIN, social security number or full debit card number. Email us at customersupport@myliberpay.com or better call our hotline 8881 | +250 789 033 403 as soon as you can if you think an error has occurred in your Account. We must allow you to report an error until 10 days after the date you electronically access your account if the error could be viewed in your electronic history. In order for us to assess the situation, you will need to tell us: 

– Your name and Account number; 

– Why you believe there is an error, and the dollar amount involved; and 

– Approximately when the error took place. 

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, and your Account is registered with us, 

we will credit your account within 10 business days for the amount you think is in error, so that you will have the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and do not receive it within 10 business days, we may not credit your account. 

For errors involving new Accounts, as well as point-of-sale transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your Account for the amount you think is an error. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. If you need more information about our error-resolution procedures, call us at 8881 or +1 916 793 6187 or +250 789 033 403, or better still email us at customersupport@myliberpay.com Please note (1) this is the only phone number customers can call for LiberPay support, and (2) a LiberPay representative will never ask you for your password, PIN, social security number or full debit card number. 

For purposes of these disclosures, our business days are Monday through Friday. The holidays are not included. 

YOUR LIABILITY FOR UNAUTHORIZED TRANSACTIONS 

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Contact us as soon as possible if you think there has been unauthorized activity on your account. Depending on the circumstances, if an unauthorized transaction has occurred we may be able to cover you. Please let us know if you believe there is an Unauthorized Transaction on your Account. Our support team is available 24/7. Once we are informed about an unauthorized translation, your LiberPay account will be automatically blocked until further notice. Please email legal@myliberpay.com to reactivate your account. 

We will protect you from unauthorized transactions in your Account. When this protection applies, we will cover you for the full amount of the unauthorized transaction, so long as we were able to complete the Error Resolution procedures described above. 

An “Unauthorized Transaction” occurs when money is sent from your Account that you did not authorize and that did not benefit you. For example, if someone steals your password, uses the password to access your Account, and sends a payment from your Account, an Unauthorized Transaction has occurred. However, the following are NOT considered Unauthorized Transactions: 

If you give someone access to your Account (e.g. by giving them your login information) and they use your Account without your knowledge or permission, unless you have notified us that transfers by that person are no longer authorized; 

If you, or someone else with whom you are acting in concert, act with fraudulent intent; or you reverse engineer or chargeback a transaction made with your LiberPay. 

OUR LIABILITY 

We will cover your losses for certain incomplete or incorrect transactions, detailed here. If we do not complete a transaction to or from your Account on time or in the correct amount according to these Cash Terms, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance: 

– If, through no fault of ours, you have insufficient funds in your Account to complete the transaction; 

– If the AGENT where you are making the Transaction does not have enough cash; – If the LiberPay was not working properly and you knew about the breakdown when you started the transaction; 

– If circumstances beyond our control (such as fire or flood) prevent the transaction, despite reasonable precautions that we have taken 

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TEXT MESSAGES 

Here’s where we describe your consent to receive texts from us and your representations regarding texts we send to others relating to your payments. By providing us with a mobile number, you consent to receiving text (SMS) messages from us. If you provide us with the mobile number of any other person or entity when initiating or requesting payment through the Service, you represent and warrant to us that the person or entity has consented to receive text messages from us related to that payment. Standard text messaging rates may apply based on your plan with your mobile carrier. 

LIBERPAY FEES 

The fee for using the LiberPay is found in the “Stored Balance Disclosures.” We reserve the right to charge for or change the fees associated with the use of LiberPay at any time subject to these Cash Terms. 

GENERAL 

By initiating transactions from your linked bank account or debit card, you are authorizing us to debit those sources. If we incur costs because you have insufficient funds in your account, you will cover those costs. 

A. Functionality. Your balance consists of the funds you have in your account that are available for new transactions and are not subject to pending transactions (your “LiberPay Balance”). You are solely responsible for all funds necessary to complete any payments initiated through the Service. You agree to reimburse Square for any fees, costs, or expenses it incurs as a result of insufficient or unavailable funds in connection with any payment you initiate through the Service. 

B. Authorization. By instructing us through the LiberPay to add funds from an Eligible Bank Account or Direct Deposit (both defined below) or debit card to your LiberPay Balance or make any other transfer you authorize us to debit such Eligible Bank Account or debit card for the amount instructed, either in a single or recurring transaction, as applicable. 

C. Limitations. LiberPay may impose limits on the amount you can keep in your LiberPay Balance and reserves the right to change these limits at any time. Funds in your LiberPay Balance might not be available to use for all types of transactions. 

FUNDING YOUR LIBERPAY BALANCE 

There are several ways you can add funds to your LiberPay balance. Each method is described here. 

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A. Eligible Bank Account. You may use funds from your eligible Bank Account to fund your LiberPay balance. 

B. Direct Deposit. You may direct payments made to you from your employer or otherwise into your LiberPay Balance using the bank routing and account number provided to you under the direct deposit program provided by our partner banks (the “Direct Deposit”). Such Direct Deposits are governed by the terms and conditions provided by the applicable bank. 

C. Debit Card. You may link a debit card to fund your LiberPay Balance. To do so, you must have a valid debit card issued by a U.S. bank or financial institution bearing the Visa Inc. (“Visa”), MasterCard International Inc. (“MasterCard”), Mpasa, MobileMoney, American Express, or Discover. 

D. P2P Payments Received Through LiberPay. You can keep funds received from P2P Payments (defined below) made to you through the LiberPay in your LiberPay Balance. 

E. Access to Funds. Certain funding features (such as cash loads and Direct Deposit) may be unavailable or delayed from time to time due to risk-based restrictions, scheduled maintenance, changes to our Services, unforeseen circumstances, or outages. 

TRANSFERING FUND 

You will be able to send money using Liberpay service if you have a linked bank account or linked a credit card. You authorize us to move funds on your behalf. We won’t be responsible for certain incomplete transactions, as described here. 

TRANSACTION LIMITS 

You agree that you won’t make a purchase or transaction in excess of the funds available in your balance and if you do, you agree that we can recover any negative balance. You can only make transactions using your Liberpay to the extent that you have funds in your LiberPay Balance to support those transactions. You agree not to make a purchase or other transaction in excess of the funds available in your LiberPay Balance. If you do make a purchase or other transaction that exceeds the funds available in your Liber App Balance, you agree that we can recover any negative balance incurred. 

HOW DO WE PROTECT YOUR PERSONAL INFORMATION 

We are serious about guarding the security of your personal information and use a secure server to store your personal information. All information you provide to us is stored on our secure servers. Any payment transactions will be encrypted using HIGH-Security lever technology provided by SASI SECURITY. 

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As you will know, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data during transmission, and any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorized access. 

We restrict access of your personal information to employees of LiberPay who have a business reason for knowing such information. As one of Africa’s fastest growing companies, we continuously educate and train our employees about the importance of confidentiality and privacy of customer information. We maintain physical, electronic, and procedural safeguards that comply with the relevant laws and regulations to protect your personal information from unauthorized access. 

INFORMATION WE COLLECT FROM YOU 

The information collected from you is used in the following ways; 

A. Information you give us. 

You may give us information about you when you sign up to use our service, e.g. to better emphasize, when you provide us with your personal details, such as your name and email address. This also includes information you provide through your continued use of our Services, participate in discussion boards or other social media functions on our Website or App, enter a competition, promotion or survey, and when you report a problem with our Services. The information you give us may include your name, address, e-mail address, phone number, financial information (including credit card, debit card, or bank account information), payment reason, geographical location, social security number, personal description, and photograph. 

We may also need additional commercial and/or identification information from your e.g. if you send or receive certain high-value or high volume transactions or as needed to comply with our anti-money laundering obligations under applicable law. 

In providing the personal data of any individual (other than yourself) to us during your use of our Services, you promise that you have obtained consent from such individual to disclose his/her personal data to us, as well his/her consent to our collection, use, and disclosure of such personal data, for the purposes set out in this Privacy Policy. 

Information we collect about you. With regard to your use of our Services we may automatically collect the following information: 

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Details of the transactions you carry out when using our Services, including geographic location from which the transaction originates; send from, send to (countries transaction is being made). 

Technical information, including the Internet protocol (IP) address used to connect your computer to the Internet, your login information, browser type, and version, time zone setting, browser plug-in types and versions, operating system and platform; 

Information about your visit, including the full Uniform Resource Locators (URL) clickstream to, through and from our Website or App (including date and time); products you viewed or searched for; page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs), and methods used to browse away from the page and any phone number used to call our Customer Support number. 

Information we receive from other sources. We may receive information about you if you use any of the other websites we operate or the other services we provide. We are also working closely with third parties and may receive information about you from them. 

B. For example: 

The banks you use to transfer money to us will provide us with your basic personal information, such as your name and address, as well as your financial information such as your bank account details; 

Business partners may provide us with your name and address, as well as financial information, such as card payment information; 

Advertising networks, analytics providers and search information providers may provide us with pseudonymized information about you, such as confirming how you found our website; 

Credit reference agencies do not provide us with any personal information about yourself, but may be used to corroborate the information you have provided to us. 

C. Information from social media networks. 

If you log in to the LiberPay app or website using your social media account (for example, Facebook or Google) we will receive relevant information that is necessary to enable our Services and authenticate you. The social media network will provide us with access to certain information that you have provided to them, including your name, profile image, and e-mail address. We use such information, together with any other information you directly provide to us when registering or using our Services, to create your account and to communicate with you about the information, products, and services that you request from us. You may also be able to specifically request that we have access to the contacts in your 

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social media account so that you can send a referral link to your family and friends. We will use, disclose, and store all of this information in accordance with this privacy policy. 

DATA RETENTION 

As a regulated financial institution registered in the United States of America, LiberPay is required by law to store some of your personal and transactional data beyond the closure of your account with us. Your data is only accessed internally on a need to know basis, and it will only be accessed or processed if absolutely necessary. 

USERS RIGHT 

Our users are of a high priority to us. As a user, you have the right to ask us not to contact you for marketing purposes by contacting us at marketing@myliberpay.com or by adjusting your notification preferences in the “Settings” section of your account page both on the LiberPay App/website. 

– You have the right to correct any personal information We hold on you that is inaccurate, incorrect, or out of date. 

– You have the right to ask us to delete your data when it is no longer necessary, or no longer subject to a legal obligation to which LiberPay is subject to. 

– You have the right to transfer your personal data between data controllers, for example, to move your account details from one online platform to another. 

Our Services may, from time to time, contain links to and from the websites of our partner networks, advertisers, and affiliates. In an effort to protect our users’ information, we strongly recommend that before you follow a link to any websites, please note that these websites have their own privacy policies and that we do not accept any responsibility for them. Please check these policies before you submit any personal data such as; card/bank info to these websites. 

If we fall short of your expectations in processing your Personal Information or you wish to make a complaint about our privacy practices, please tell us because it gives us an opportunity to fix the problem. To assist us in responding to your request, please give full details of the issue. We attempt to review and respond to all complaints within a reasonable time and, in any event, within the legal time limit for responding, where applicable. 

If you provide us with any information or material relating to another individual, you should make sure that the sharing with us and our further use as described to you from time to time is in line with applicable laws, so, for example, you should duly inform that individual about the processing of her/his Personal Information and obtain her/his consent, as may be necessary under applicable laws. It is your 

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responsibility to make sure receiver info (such as the names of national id match the name you provided) when sending transfer using the LiberPay app to one of our partner banks in Africa. 

Subject to a Refund Claim 

In many cases, funds will be made available to you sooner than the E-Order can be collected from the paying bank. This means that an E-order that you Successfully Submitted with Mobile Check Capture could be returned unpaid after funds have been made available to you. If an E-order is returned unpaid, we may immediately reverse the amount credited to your LiberPay Balance for the E-order. 

Third-Party Rights 

The image capture service on LiberPay is provided by Mitek Systems, Inc (“Mitek”). Below are Mitek’s rights to the intellectual property and your license to use the technology. 

Mitek Systems, Inc. enables the image capture services for the Mobile Check Capture functionality. 

SUCH CHECK CAPTURE SERVICE PROVIDER PROVIDES THE SERVICE “AS IS”, AND “WITH ALL FAULTS”, MAKES NO ADDITIONAL WARRANTIES EXPRESS OR IMPLIED RELATED TO THE SERVICES, AND EXPRESSLY DISCLAIMS ANY AND ALL OTHER WARRANTIES OF ANY KIND OR NATURE, WHETHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE ACCURACY, TITLE, AND NON-INFRINGEMENT OF THIRD PARTY RIGHTS. 

THE CHECK CAPTURE SERVICE PROVIDER SHALL NOT BE LIABLE TO YOU FOR ANY INDIRECT, PUNITIVE, SPECIAL, INCIDENTAL OR CONSEQUENTIAL OR OTHER INDIRECT DAMAGES UNDER ANY CAUSE OF ACTION ARISING OUT OF YOUR USE OF THE CHECK CAPTURE SERVICE. 

You acknowledge and agree that Mitek Systems, Inc. has granted you a limited license to use the Mobile Check Capture technology as contemplated in the integration with LiberPay only. You further acknowledge and agree that you are prohibited from using, copying, distributing, duplicating, or otherwise reproducing all or any part of the Mobile Check Capture technology and any such unauthorized action shall be a material breach of this Agreement. Without limiting the foregoing, the licenses granted under this Agreement only permits you to use Mobile Check Capture as part of the LiberPay, and you may not license the Mobile Check Capture technology on a standalone basis and may not license the Mobile Check Capture technology to any third party that will modify or integrate it independent of the LiberPay integration in any manner. 

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You acknowledge and agree that, except to the extent prohibited by law, we may share any information about you or any of your transactions using Mobile Check Capture with the service provider for any reason that we deem necessary, including; 

A. to review transactions for fraud or irregularities; 

B. to confirm that Mobile Check Capture is being used properly and in accordance with these terms and conditions; 

C. to help the service provider or us improve the Mobile Check Capture for you and other users of the service, including by using information about you and your transactions to enhance algorithms and systems for the detection of fraud or transaction monitoring. 

Dispute Resolution 

Each of your external funding sources may have different dispute resolution rights and procedures in the event your transaction turns out to be unsatisfactory (if, for example, you are disputing charges on your account). Your dispute resolution rights are determined by the funding source used to fund the applicable transaction. Please consult the terms and conditions of such a funding source for more detail. 

Changes to External Account Numbers 

If your Eligible Credit Account or your debit card account number changes or the expiration date changes, we may acquire that information from our financial services partner and update your Account accordingly. 

Our Relationship with you 

We are an independent contractor for all purposes, except that we act as your limited agent with respect to the custody and transfer of your funds for the purposes set forth herein only. 

Termination of Account 

We can terminate or refuse your access to the service at any time, for any reason. 

Liberpay may terminate, close, or suspend your Account or use the Service at any time for any reason. Any such termination does not relieve you of any of your obligations to LiberPay under these Cash Terms and any amounts owed to us as provided in these Cash Terms, the General Terms, or any other agreement you have with us. We will not be responsible for any loss, damage, harm, or consequences, including any delay or inconvenience you may suffer as a result of the exercise of our rights under this section. 

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Services Upon Closure of Account 

When your LiberPay account is closed, we’ll settle any pending transactions and return the remaining funds in your account to you. We may need to hold your funds if there is an investigation at the time your Account is closed. 

Any pending transactions at the time of termination, closure, or suspension of your Account will be settled. Any funds that we are holding in custody for you at the time of termination, suspension, or closure of your Account, less any applicable fees, 

1. May be made available for you to cash out in Liberpay’s discretion and subject to the other conditions in these Cash Terms, and 

2. We may require you to link a new bank account that has not been associated with your Account to cash out such funds. If an investigation is pending at the time of closure, we may hold your funds until the resolution of the investigation. 

UNCLAIMED PROPERTY 

If your Account is inactive for an extended period of time it may be deemed “unclaimed” or “abandoned” under your state’s law. If this occurs, LIBERPAY will provide you with notice as required by applicable law. 

REFERRAL PROGRAM 

From time to time, we may offer referral programs or incentives for inviting others to use the Service (a “Referral Program”). Any bonuses or incentives under such Referral Program shall be subject to the then-current Referral Program terms, if applicable, and otherwise at our sole discretion. 

TAXES 

As a Recipient or LiberPay for Business Seller, you may be asked to provide certain information used to assist Liberpay in complying with its obligations under the United States Internal Revenue Code and the applicable Treasury Regulations, or state and local governments in your country. By providing LiberPay with this information you are certifying that the information provided is true and accurately reflective of your use of the Service. When indicating that you are a LiberPay for Business Seller, you certify that such use of LiberPay is to receive payment(s) that are “reportable payment transactions” as defined in Treas. And the associated applicable state and local regulations, including, but not limited to, the payments for goods and services. When indicating that your use of the Service is “Personal” use, you certify that such use is solely for receipt of payments other than non-reportable payment transactions. 

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For the avoidance of doubt, “Personal use” does not allow for the receipt of payment for goods and services you provide others that constitute “reportable payment transactions”. 

REFERENCE 

You agree that we may reference you as our customer, and that we may reasonably use, on a royalty-free basis, your trademark and/or logo for such purpose. 

CONTACT 

If you would like to request additional information regarding the Terms or for any questions regarding a commercial relationship with LiberPay, please contact us at legal@myliberpay.com 

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