Terms and Conditions

Last updated: 17th December, 2021

Lafya HealthShare Sharing Guidelines / Terms and Conditions.

PLEASE NOTE THAT YOUR USE OF AND ACCESS TO THE SERVICES (AS DEFINED BELOW) ARE SUBJECT TO THE FOLLOWING TERMS; IF YOU DO NOT AGREE TO ALL OF THESE TERMS, YOU MAY NOT USE OR ACCESS THE SERVICES IN ANY MANNER.


ACCEPTANCE OF TERMS

The following Terms and Conditions (the “Terms”) is a contract between you and Lafya Technologies Limited (“LAFYA HEALTHSHARE”), a private limited liability company incorporated under the laws of the Federal Republic of Nigeria.

These Terms govern your use of the Lafya HealthShare application (“Lafya HealthShare”), a platform that offers friends, families, and businesses the ability to save money, issue healthcare cards, pay for medical expenses, and access medical loans (the “Services”). By using the Services, you agree to be bound by the Terms. "You" and "your" mean the person or business who uses or accesses the Services. "We," "us," and "our" mean Lafya HealthShare and its successors, affiliates, and assignees. As used in these Terms, "Lafya HealthShare Account" means the wallet account you have with us for the Services

By registering and signing up to use Lafya HealthShare, you agree that you have read, understood, and accepted all of the Terms contained in this Agreement. You also accept and agree that you are solely responsible for understanding and complying with all laws, rules, and regulations that may be applicable to your use of the application.

This Agreement is legally binding and serves to govern your use of the Lafya HealthShare. PLEASE READ AND UNDERSTAND THE TERMS CAREFULLY BEFORE AGREEING TO BE BOUND BY THEM.

Your use of and access to the Services are subject at all times to these Terms and our Privacy Policy. Please read these Terms and our Privacy Policy carefully. By using or accessing the Services, you represent that you have read and understood these Terms and our Privacy Policy and you agree to be bound by these Terms and our Privacy Policy. If you do not agree to all the terms and conditions of these Terms and our Privacy Policy, do not use or access the Services.

Lafya HealthShare reserves the right to update, revise, modify, or otherwise, reissue these Terms without prior notice. The continued use of your Lafya HealthShare Account after any amendment to the Terms constitutes your acceptance of the Terms as modified by such amendment.


GOVERNING LANGUAGE

The governing language of these Terms and all communication between Lafya HealthShare and you will be in English language.


CONSENT TO USE ELECTRONIC SIGNATURES AND COMMUNICATION

Consent - To the extent permitted by applicable law, you consent to use electronic signatures and to electronically receive all records, notices, statements, communications, and other items for all services provided to you under these Terms and in connection with your relationship with us (collectively, "Communications") that we may otherwise be required to send or provide you in paper form (e.g., by mail). By accepting and agreeing to these Terms electronically, you represent that: (1) you have read and understood this consent to use electronic signatures and to receive Communications electronically; and (2) your consent will remain in effect until you withdraw your consent as specified below.

Your Right to Withdraw Your Consent - Your consent to receive Communications electronically will remain in effect until you withdraw it. You may withdraw your consent to receive further Communications electronically at any time by contacting us at contact@lafya.co. If you withdraw your consent to receive Communications electronically, we will close your Lafya HealthShare Account and you will no longer be able to use your Lafya HealthShare Account or the Services, except as expressly provided in these Terms. Any withdrawal of your consent to receive Communications electronically will be effective only after we have a reasonable period of time to process your withdrawal. Please note that withdrawal of your consent to receive Communications electronically will not apply to Communications electronically provided by us to you before the withdrawal of your consent becomes effective.

You Must Keep Your Contact Information Current With Us - In order to ensure that we are able to provide Communication to you electronically, you must notify us of any change in your email address and your mobile device number or other text message address by updating your profile on the Lafya HealthShare application.

Changes - We reserve the right, in our sole discretion, to discontinue the provision of electronic Communications or to terminate or change the terms and conditions on which we provide electronic Communications. Except as otherwise required by applicable law, we will notify you of any such termination or change by updating these Terms on the Website or delivering notice of such termination or change electronically.


ELIGIBILITY

To register a Lafya HealthShare Account and use our Services, you must be at least 18 years old or a business entity registered in Nigeria, with the full legal capacity to accept these Terms and enter into any transaction on the Lafya HealthShare. If as a parent or guardian, you become aware that your child or ward has provided us with any information without your consent, please contact us immediately atcontact@lafya.co

Your eligibility to use Lafya HealthShare also depends on the country you reside in. Currently, Lafya HealthShare operates only in Nigeria.

You may use the Lafya HealthShare Services only if you agree to form a binding contract with Lafya HealthShare and are not a person barred from receiving services under the laws of the applicable jurisdiction.


ABOUT LAFYA HEALTHSHARE

Lafya HealthShare is an application that enables its users to save money, issue healthcare cards, and pay for medical bills with ease. With the aim of improving financial inclusion, we use the relationship between the banked and the unbanked to help them create a digital healthcare wallet and get access to healthcare cards for the purpose of medical bills payments. Lafya HealthShare provides its users with the following Services via the Lafya HealthShare mobile and web apps:

Wallet Savings feature: This feature allows you to create a group with an unlimited number of people who make periodic contributions of the same or different amounts specifically for the purpose of healthcare needs. Lafya HealthSharehelps to manage and track the status of such contributions.

Healthcare cards feature: This feature enables anyone (either a person or a company) with a wallet to request and issue healthcare cards to employees, family or friends. The healthcare cards are linked to the user’s wallet and the user can manage when and how the card is used for medical bills payments.

Medical Loan feature: This feature allows you to borrow/Lend money specifically for your medical expenses at a low interest and a one-month moratorium for repayment. Lafya HealthShare helps to manage and track the status of such loans.

Medical Bill Sharing feature: This feature allows a user to split the cost of their medical bills with other users if they can not afford to pay it alone. To enable this feature users must send a connection request to fellow users and accept to be bill splitting partners on the Lafya HealthShare wallet.


USING THE LAFYA HEALTHSHARE APP

To register, open, use, and run a Lafya HealthShare Account, you may be required to submit certain information, including but not limited to your name, email address, phone number, online credentials for your bank account, and such other information as we may request from time to time (collectively, “User Information”).

You represent and warrant that you own the email address or mobile phone number you register with and all information entered or collected in the course of creating your Lafya HealthShare Account and any information you subsequently add or update from your settings is true, accurate, current, and complete, and you agree not to misrepresent your identity or your User Information. If we approve your registration, you will be authorized to use the Services, subject to these Terms.

You will also need a mobile phone (Android or iOS), internet connection, and a valid bank account to use Lafya HealthShare and our Services therein.

For our compliance purposes and in order to provide the Services to you, you hereby authorize us to, directly or through a third party, obtain, verify, and record information and documentation that helps us verify your identity and bank account information. When you register for the Services and from time to time thereafter, we may require you to provide and/or confirm information and documentation that will allow us to identify you, such as:

  • a copy of your valid means of identification, such as a passport or driver’s license;
  • a copy of a utility bill, or other bills, dated within three months of our request, with your name and Nigerian street address on it; and
  • such other information and documentation that we may require from time to time.

RESTRICTIONS ON USING THE SERVICES

Your use of the Services must comply with all applicable law. If your use of the Services is prohibited by applicable law, then you are not authorized to use the Services. We are not responsible if you use the Services in any manner that violates applicable law.

You agree not to authorize any other person or entity to use your username and password or mobile device to access the Services. You are solely responsible for the maintenance, confidentiality, and security of your username, password, and other User Information. Except as otherwise required by applicable law, you are responsible for all transactions and other activities authorized or performed using your username and password or mobile device, whether authorized or unauthorized by you. Except as otherwise expressly stated in these Terms or required by applicable law, we are not responsible for any losses arising out of the loss or theft of your User Information or your mobile device or from unauthorized or fraudulent transactions associated with your Lafya HealthShare Account.


WARRANTY DISCLAIMER

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW AND EXCEPT AS OTHERWISE EXPRESSLY PROVIDED IN THESE TERMS, YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF THE SERVICES AND ALL INFORMATION, PRODUCTS, AND OTHER CONTENT (INCLUDING THAT OF THIRD PARTIES) INCLUDED IN OR ACCESSIBLE FROM THE SERVICES IS AT YOUR SOLE RISK. THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT ANY WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WE AND OUR THIRD-PARTY SERVICE PROVIDERS EXPRESSLY DISCLAIM ANY AND ALL CONDITIONS, REPRESENTATIONS, AND WARRANTIES OF ANY KIND AS TO THE SERVICES AND ALL INFORMATION, PRODUCTS, AND OTHER CONTENT (INCLUDING THAT OF THIRD PARTIES) INCLUDED IN OR ACCESSIBLE FROM THE SERVICES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

WITHOUT LIMITING THE FOREGOING, WE AND OUR THIRD-PARTY SERVICE PROVIDERS MAKE NO WARRANTY THAT (A) THE SERVICES WILL MEET YOUR REQUIREMENTS, (B) THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (C) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICES WILL BE ACCURATE OR RELIABLE, (D) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SERVICES WILL MEET YOUR EXPECTATIONS, OR (E) ANY ERRORS IN THE SERVICES WILL BE CORRECTED. NO ORAL OR WRITTEN INFORMATION OR ADVICE OBTAINED BY YOU FROM US OR OUR THIRD-PARTY SERVICE PROVIDERS THROUGH OR FROM THE SERVICES WILL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.

ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE SERVICES IS DONE AT YOUR OWN DISCRETION AND RISK, AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL.

INTELLECTUAL PROPERTY

Unless otherwise stated, Lafya HealthShare and/or its licensors own the intellectual property rights and materials on the Lafya HealthShare app and website. We do not grant you any right, license, title, or interest to any of our intellectual property rights that you may or may not have access to.


PROHIBITED USES

You shall not use your Lafya HealthShare Account to engage in the following categories of activities (“Prohibited Uses”). The specific types of use listed below are representative, but not exhaustive. If you are not clear on whether or not your use of the Services involves a Prohibited Use, please contact us at contact@lafya.co. By accepting these Terms, you confirm that you shall not use your Lafya HealthShare Account for any of the following:

Unlawful activity: this includes any activity which violates, or assists in the violation of any law, statute, regulation, or sanctions in Nigeria.

Fraud: this includes any activity which defrauds Lafya HealthShare or other Lafya HealthShare users or any other person; or provides any false, inaccurate, or misleading information to Lafya.

Intellectual property infringement: this involves engaging in any activities that may infringe or violate any copyright, trademark, right of publicity or privacy, or any other proprietary right under the law including but not limited to the use of Lafya’s intellectual property, name, or logo, without express consent from Lafya HealthShare or in a manner that otherwise harms the Lafya HealthShare brand.

Abuse of other users: this includes any activity which interferes with another user’s access to the Services, including defamation, extorting, abusing, harassing, threatening, or violating the rights and privacy of other users.


INTEREST ON THE FUNDS HELD IN LAFYA HEALTHSHARE ACCOUNTS

Lafya HealthShare may from time to time post interest or other earnings on the funds in your Lafya HealthShare wallet. However, you agree that this interest is not a right and is only Lafya HealthShare’s way of adding value to its users.


BREACHES OF THESE TERMS

If you breach these Terms in any way. Lafya HealthSharemay takes such actions as it deems appropriate to deal with the breach, including suspending and prohibiting your access to your Lafya HealthShare Account, and/or instituting legal proceedings against you.


MISCELLANEOUS

Amendment - Lafya HealthShare reserves the right to add to or terminate any of the Services or amend these Terms at any time, at our sole discretion, without providing notice to you, subject to applicable law. We reserve the right, to deliver to you any notice of changes to existing terms or the addition of new terms by posting an updated version of these Terms on the Lafya HealthShare website or delivering notice thereof to you electronically. You are free to decide whether or not to accept a revised version of these Terms, but accepting these Terms, as revised, is required for you to continue accessing or using the Services. If you do not agree to these Terms or any revised version of these Terms, your sole recourse is to terminate your access or use of the Services. Except as otherwise expressly stated by us, your access and use of the Services are subject to and constitute your acceptance of, the version of these Terms in effect at the time of your access or use.

Assignment - You may not transfer, assign, or delegate these Terms or your rights or obligations hereunder or your Lafya HealthShare Account in any way (by operation of law or otherwise) without our prior written consent. To the extent permitted by applicable law, we may transfer, assign, or delegate these Terms and our rights and obligations hereunder without your consent.

Indemnity - At our request, you agree to defend, indemnify, and hold harmless Lafya HealthShare, its affiliates and their respective employees, officers, directors, agents, and third-party service providers from and against any and all claims, suits, liabilities, damages (actual and consequential), losses, fines, penalties, costs, and expenses (including reasonable attorneys’ fees) arising from or in any way related to any third-party claims relating to your use of the Services, violation of these Terms, applicable law or any third-party rights, or your fraud or willful misconduct. Such indemnified parties reserve the right to assume the exclusive defense and control of any matter subject to indemnification by you, in which event you will cooperate in asserting any available defenses.

Severability - In the event that any provision of these Terms is determined to be unlawful, void, or unenforceable, such provision shall be deemed to be severed from these Terms but shall not affect the validity and enforceability of the other remaining provisions.

Force Majeure - We shall not be liable for any delay or failure to perform as required by these Terms as a result of any cause or condition including but not limited to, an act of God, epidemic, pandemic, 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 or any other occurrence which is beyond our reasonable control and shall not affect the validity and enforceability of any remaining provisions.

Entire Agreement - These Terms, together with our Privacy Policy constitute the entire and sole agreement between You and Us with respect to the Services and supersedes all prior understandings, arrangements, or agreements, whether written or oral, regarding the Services.

Governing Law - These Terms shall be interpreted and governed in accordance with the Laws of the Federal Republic of Nigeria.

Dispute Resolution by Arbitration - For any and all controversies, disputes, demands, claims, or causes of action between you and us (including the interpretation and scope of this section and the arbitrability of the controversy, dispute, demand, claim, or cause of action) relating to the Services or these Terms, you and we agree to resolve any such controversy, dispute, demand, claim, or cause of action exclusively through binding and confidential arbitration. As used in this Section, "we" and "us" mean Lafya HealthShareand its affiliates, predecessors, successors, and assigns and all of its and their respective employees, officers, directors, agents, and representatives. In addition, "we" and "us" include any third party providing any product, service, or benefit in connection with the Services or these Terms if such third party is named as a co-party with us in any controversy, dispute, demand, claim, or cause of action subject to this Section.

We and you shall use all reasonable endeavors to resolve amicably and in good faith any dispute arising out of or in connection with this Agreement. In the event that we and you are unable to reach a resolution, we and you shall mutually agree on the appointment of a sole arbitrator within fourteen (14) Business Days from when the dispute arises. The venue of the arbitration shall be Lagos State, Nigeria, and the language to be used in the arbitral proceedings shall be English. We and you agree that the decision of the Arbitrator shall be final and binding on both of us.

Notwithstanding this agreement to arbitrate, either party may seek emergency equitable relief in court in order to maintain the status quo pending arbitration, and each party hereby agrees to submit to the jurisdiction of the court for such purpose. A request for interim measures will not be deemed a waiver of the obligation to arbitrate.

Change of Control - In the event that Lafya HealthShare is acquired by or merged with a third-party entity, we reserve the right, in any of these circumstances, to transfer or assign the information we have collected from you as part of such merger, acquisition, sale, or other change of control.

Complaints and Disputes - If you have any feedback, questions, or complaints, contact us via email at complaints@lafya.co or on Twitter. When you contact us, please provide us with the relevant information we need to verify your account.