Effective Date: 2024
ChitChat Terms & Conditions of Services
Table of Contents
- About Our Services
- Privacy Policy And User Data
- Acceptable Use Of Services
- Third-Party Services
- Licenses
- Reporting Third-Party Copyright, Trademark, And Other Intellectual Property Infringement
- Disclaimers And Release
- Limitation Of Liability
- Indemnification
- Dispute Resolution
- Availability and Termination of Our Services
- Other
- Pricing
1. About Our Services
- Privacy And Security Principles. Chitchat is built with strong privacy and security principles in mind.
- Connecting You With Other People. We provide, and always strive to improve, ways for you to communicate with other Chitchat users through messages, sending images and videos, showing your status, and sharing your location with others when you choose. We may provide a convenient platform that enables you to send and receive money to or from other users across our platform. Chitchat works with partners, service providers, and affiliated companies to help us provide ways for you to connect with their services.
- Ways To Improve Our Services. We analyze how you make use of Chitchat, in order to improve our Services, including helping businesses who use Chitchat measure the effectiveness and distribution of their services and messages. Chitchat uses the information it has and also works with partners, service providers, and affiliated companies to do this.
- Communicating With Businesses. We provide, and always strive to improve, ways for you and businesses and other organisations, to communicate with each other using our Services, such as through order, transaction, and appointment information, delivery and shipping notifications, product and service updates, and marketing.
- Safety, Security, And Integrity. We work to protect the safety, security, and integrity of our Services. This includes appropriately dealing with abusive people and activity violating our Terms. We work to prohibit misuse of our Services including harmful conduct towards others, violations of our Terms and policies, and address situations where we may be able to help support or protect our community. If we learn of people or activity like this, we will take appropriate action, including by removing such people or activity or contacting law enforcement.
- Enabling Access To Our Services. To operate our Services, we need to store and distribute content and information in data centers and systems around the world, including outside your country of residence. The use of this global infrastructure is necessary and essential to provide our Services. This infrastructure may be owned or operated by our service providers including affiliated companies.
- NO ACCESS TO EMERGENCY SERVICES: There are important differences between our Services and your mobile phone and SMS services. Our Services do not provide access to emergency services or emergency services providers, including the police, fire departments, or hospitals, or otherwise connect to public safety answering points. You should ensure you can contact your relevant emergency services providers through a mobile phone, a fixed-line telephone, or other service.
- Address Book. You can use the contact upload feature and provide us, if permitted by applicable laws, with the phone numbers in your mobile address book on a regular basis, including those of both the users of our Services and your other contacts.
- Age. You must be at least 16 years old to register for and use our Services (or such greater age required in your country or territory for you to be authorized to register for and use our Services without parental approval)
- Devices and Software. You must provide certain devices, software, and data connections to use our Services, which we otherwise do not supply. In order to use our Services, you consent to manually or automatically download and install updates to our Services. You also consent to us sending you notifications via our Services from time to time, as necessary to provide our Services to you
- Fees and Taxes. You are responsible for all carrier data plans, internet fees, and other fees and taxes associated with your use of our Services.
2. Privacy Policy and User Data
Chitchat cares about your privacy. Chitchat’s data privacy describes our data (including message) practices, including the types of information we receive and collect from you, how we use and share this information, and your rights in relation to the processing of information about you. The data privacy or protection provisions are in compliance with Zambian regulations.
3. Acceptable Use of Services
Our Terms and Policies. You must use our Services according to our Terms and posted Policies. If you violate our Terms or Policies, we may take action with respect to your account, including disabling or suspending your account and, if we do, you agree not to create another account without our permission. Disabling or suspending your account will be in accordance with the “termination” section below.
Legal and Acceptable Use. You must access and use our Services only for legal, authorized, and acceptable purposes. You will not use (or assist others in using) our Services in ways that: (a) violate, misappropriate, or infringe the rights of Chitchat, our users, or others, including privacy, publicity, intellectual property, or other proprietary rights; (b) are illegal, obscene, defamatory, threatening, intimidating, harassing, hateful, racially or ethnically offensive, or instigate or encourage conduct that would be illegal or otherwise inappropriate, such as promoting violent crimes, endangering or exploiting children or others, or coordinating harm; (c) involve publishing falsehoods, misrepresentations, or misleading statements; (d) impersonate someone; I involve sending illegal or impermissible communications such as bulk messaging, auto-messaging, auto-dialling, and the like; or (f) involve any non-personal use of our Services unless otherwise authorized by us.
Harm to Chitchat Or Our Users. You must not (or assist others to) directly, indirectly, through automated or other means, access, use, copy, adapt, modify, prepare derivative works based upon, distribute, license, sublicense, transfer, display, perform, or otherwise exploit our Services in impermissible or unauthorized manners, or in ways that burden, impair, or harm us, our Services, systems, our users, or others, including that you must not directly or through automated means:
- (a) reverse engineer, alter, modify, create derivative works from, decompile, or extract code from our Services;
- (b) send, store, or transmit viruses or other harmful computer code through or onto our Services;
- (c) gain or attempt to gain unauthorized access to our Services or systems;
- (d) interfere with or disrupt the safety, security, confidentiality, integrity, availability, or performance of our Services;
- (e) create accounts for our Services through unauthorized or automated means;
- (f) collect information of or about our users in any impermissible or unauthorized manner;
- (g) sell, resell, rent, or charge for our Services or data obtained from us or our Services in an unauthorized manner;
- (h) distribute or make our Services available over a network where they could be used by multiple devices at the same time, except as authorized through tools we have expressly provided via our Services;
- (i) create software or APIs that function substantially the same as our Services and offer them for use by third parties in an unauthorized manner;
- or (j) misuse any reporting channels, such as by submitting fraudulent or groundless reports or appeals.
Keeping Your Account Secure. You are responsible for keeping your device and your Chitchat account safe and secure, and you must notify us promptly of any unauthorized use or security breach of your account or our Services.
4. Third-Party Services
Our Services may allow you to access, use, or interact with third-party websites, apps, content, other products and services. For example, you may choose to use third-party data backup services (such as iCloud or Google Drive) that are integrated with our Services or interact with a share button on a third-party’s website that enables you to send information to your Chitchat contacts. Please note that these Terms and Policies apply only to the use of our Services. When you use third-party products or services, their terms and privacy policies will govern your use of those products or services.
5. Licenses
- Your Rights. Chitchat does not claim ownership of the information that you submit for your Chitchat account or through our Services. You must have the necessary rights to such information that you submit for your Chitchat account or through our Services and the right to grant the rights and licenses in our Terms.
- Chitchat’s Rights. We own all copyrights, trademarks, domains, logos, trade dress, trade secrets, patents, and other intellectual property rights associated with our Services. You may not use our copyrights, trademarks (or any similar marks), domains, logos, trade dress, trade secrets, patents, and other intellectual property rights unless you have our express permission.
- Your License To Chitchat. In order to operate and provide our Services, you grant Chitchat a worldwide, non-exclusive, royalty-free, sublicensable, and transferable license to use, reproduce, distribute, create derivative works of, display, and perform the information (including the content) that you upload, submit, store, send, or receive on or through our Services. The rights you grant in this license are for the limited purpose of operating and providing our Services (such as to allow us to display your profile picture and status message, transmit your messages, and store your undelivered messages on our servers for up to 30 days as we try to deliver them).
- Chitchat’s License to You. We grant you a limited, revocable, non-exclusive, non-sublicensable, and non-transferable license to use our Services, subject to and in accordance with our Terms. This license is for the sole purpose of enabling you to use our Services in the manner permitted by our Terms. No licenses or rights are granted to you by implication or otherwise, except for the licenses and rights expressly granted to you.
6. Reporting Third-Party Copyright, Trademark, and Other Intellectual Property Infringement
To report claims of third-party copyright, trademark, or other intellectual property infringement, please contact our customer service team. We may take action with respect to your account, including disabling or suspending your account, if you clearly, seriously or repeatedly infringe the intellectual property rights of others or where we are required to do so for legal reasons. Disabling or suspending your account will be in accordance with the “Termination” section below.
7. Disclaimers and Release
YOU USE OUR SERVICES AT YOUR OWN RISK AND SUBJECT TO THE FOLLOWING DISCLAIMERS. WE ARE PROVIDING OUR SERVICES ON AN “AS IS” BASIS WITHOUT ANY EXPRESS OR IMPLIED WARRANTIES, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND FREEDOM FROM COMPUTER VIRUS OR OTHER HARMFUL CODE. WE DO NOT WARRANT THAT ANY INFORMATION PROVIDED BY US IS ACCURATE, COMPLETE, OR USEFUL, THAT OUR SERVICES WILL BE OPERATIONAL, ERROR FREE, SECURE, OR SAFE, OR THAT OUR SERVICES WILL FUNCTION WITHOUT DISRUPTIONS, DELAYS, OR IMPERFECTIONS. WE DO NOT CONTROL, AND ARE NOT RESPONSIBLE FOR, CONTROLLING HOW OR WHEN OUR USERS USE OUR SERVICES OR THE FEATURES, SERVICES, AND INTERFACES OUR SERVICES PROVIDE. WE ARE NOT RESPONSIBLE FOR AND ARE NOT OBLIGATED TO CONTROL THE ACTIONS OR INFORMATION (INCLUDING CONTENT) OF OUR USERS OR OTHER THIRD-PARTIES. YOU RELEASE US, OUR SUBSIDIARIES, AFFILIATES, AND OUR AND THEIR DIRECTORS, OFFICERS, EMPLOYEES, PARTNERS, AND AGENTS (TOGETHER, THE “CHITCHAT PARTIES”) FROM ANY CLAIM, COMPLAINT, CAUSE OF ACTION, CONTROVERSY, DISPUTE, OR DAMAGES (TOGETHER, “CLAIM”), KNOWN AND UNKNOWN, RELATING TO, ARISING OUT OF, OR IN ANY WAY CONNECTED WITH ANY SUCH CLAIM YOU HAVE AGAINST ANY THIRD-PARTIES. YOUR RIGHTS WITH RESPECT TO THE CHITCHAT PARTIES ARE NOT MODIFIED BY THE FOREGOING DISCLAIMER IF THE LAWS OF YOUR COUNTRY OR TERRITORY OF RESIDENCE, APPLICABLE AS A RESULT OF YOUR USE OF OUR SERVICES, DO NOT PERMIT IT.
8. Limitation of Liability
THE CHITCHAT PARTIES WILL NOT BE LIABLE TO YOU FOR ANY LOST PROFITS OR CONSEQUENTIAL, SPECIAL, PUNITIVE, INDIRECT, OR INCIDENTAL DAMAGES RELATING TO, ARISING OUT OF, OR IN ANY WAY IN CONNECTION WITH OUR TERMS, US, OR OUR SERVICES (HOWEVER CAUSED AND ON ANY THEORY OF LIABILITY, INCLUDING NEGLIGENCE), EVEN IF THE CHITCHAT PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE FOREGOING DISCLAIMER OF CERTAIN DAMAGES AND LIMITATION OF LIABILITY WILL APPLY TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW. THE LAWS OF SOME STATES OR JURISDICTIONS MAY NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, SO SOME OR ALL OF THE EXCLUSIONS AND LIMITATIONS SET FORTH ABOVE MAY NOT APPLY TO YOU. NOTWITHSTANDING ANYTHING TO THE CONTRARY IN OUR TERMS, IN SUCH CASES, THE LIABILITY OF THE CHITCHAT PARTIES WILL BE LIMITED TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW.
9. Indemnification
If anyone brings a claim (”Third-Party Claim”) against us related to your actions, information, or content on Chitchat, or any other use of our Services by you, you will, to the maximum extent permitted by applicable law, indemnify, and hold the Chitchat Parties harmless from and against all liabilities, damages, losses, and expenses of any kind (including reasonable legal fees and costs) relating to, arising out of, or in any way in connection with any of the following: (a) your access to or use of our Services, including information and content provided in connection therewith; (b) your breach of our Terms or applicable law; or (c) any misrepresentation made by you. You will cooperate as fully as required by us in the defense or settlement of any Third-Party Claim. Your rights with respect to Chitchat are not modified by the foregoing indemnification if the laws of your country or territory of residence, applicable as a result of your use of our Services, do not permit it.
10. Dispute Resolution
Governing Law. The laws of the Republic of Zambia govern our Terms, as well as any Disputes, whether in court or arbitration, which might arise between Chitchat and you, without regard to conflict of law provisions.
Time Limit to Bring A Claim Or Dispute. THESE TERMS ALSO LIMIT THE TIME YOU HAVE TO BRING A CLAIM OR DISPUTE, INCLUDING THE TIME TO START AN ARBITRATION OR, IF PERMISSIBLE, A COURT ACTION OR SMALL CLAIMS PROCEEDING TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW. We and you agree that for any Dispute (except for the Excluded Disputes defined below) we and you must bring Claims (including commencing an arbitration proceeding) within one year after the Dispute first arose; otherwise, such Dispute is permanently barred. This means that if we or you do not bring a Claim (including commencing an arbitration) within one year after the Dispute first arose, then the arbitration will be dismissed because it was started too late.
11. Availability and Termination of Our Services
Availability of Our Services. We are always trying to improve our Services. That means we may expand, add, or remove our Services, features, functionalities, and the support of certain devices and platforms. Our Services may be interrupted, including for maintenance, repairs, upgrades, or network or equipment failures. We may discontinue some or all of our Services, including certain features and the support for certain devices and platforms, at any time. Events beyond our control may affect our Services, such as events in nature and other force majeure events.
Termination. Although we hope you remain a Chitchat user, you can terminate your relationship with Chitchat anytime for any reason by deleting your account.
We may modify, suspend, or terminate your access to or use of our Services anytime for any reason, such as if you violate the letter or spirit of our Terms or create harm, risk, or possible legal exposure for us, our users, or others. We may also disable or delete your account if it does not become active after account registration or if it remains inactive for an extended period of time. The following provisions will survive any termination of your relationship with Chitchat: ”Licenses,” ”Disclaimers And Release,” ”Limitation Of Liability,” ”Indemnification,” ”Dispute Resolution,” ”Availability And Termination Of Our Services,” ”Other”.
12. Other
Unless a mutually executed agreement between you and us states otherwise, our Terms make up the entire agreement between you and us regarding Chitchat and our Services, and supersede any prior agreements.
- We reserve the right to designate in the future that certain of our Services are governed by separate terms (where, as applicable, you may separately consent).
- Our Services are not intended for distribution to or use in any country or territory where such distribution or use would violate local law or would subject us to any regulations in another country or territory. We reserve the right to limit our Services in any country or territory.
- We may amend or update these Terms. We will provide you notice of material amendments to our Terms, as appropriate, and update the ”Effective Date”
- All of our rights and obligations under our Terms are freely assignable by us to any of our affiliates or in connection with a merger, acquisition, restructuring, or sale of assets, or by operation of law or otherwise, and we may transfer your information to any of our affiliates, successor entities, or new owner. In the event of such an assignment, these Terms will continue to govern your relationship with such third-party. We hope you will continue using our Services, but if you do not agree to such an assignment, you must stop using our Services by deleting your account after having been notified of the assignment.
- You will not transfer any of your rights or obligations under our Terms to anyone else without our prior written consent.
- Nothing in our Terms will prevent us from complying with the law.
- Except as contemplated herein, our Terms do not give any third-party beneficiary rights.
- If we fail to enforce any of our Terms, it will not be considered a waiver.
- If any provision of these Terms is found to be unlawful, void, or for any reason unenforceable, then that provision shall be deemed amended to the minimum extent necessary to make it enforceable, and if it cannot be made enforceable then it shall be deemed severable from our Terms and shall not affect the validity and enforceability of the remaining provisions of our Terms, and the remaining portion of our Terms will remain in full force.
- We reserve all rights not expressly granted by us to you. In certain jurisdictions, you may have legal rights as a consumer, and our Terms are not intended to limit such consumer legal rights that may not be waived by contract.
- We always appreciate your feedback or other suggestions about Chitchat and our Services, but you understand that you have no obligation to provide feedback or suggestions and that we may use your feedback or suggestions without any restriction or obligation to compensate you for them.
13. Pricing
BASIC Subscription
$0.00
monthly (free)
- Chat
- Wallet
- Sending money abroad with a variety of competitive fees
Sending money to other ChitChat wallets
Topping up your ChitChat wallet via a card
Sending money to a Zambian mobile money wallet
*per transaction
**of the transaction amount
PREMIUM Subscription
$5.00
monthly
- Chat
- Wallet
- Virtual Card
- Sending money abroad with a variety of competitive fees
Sending money to other ChitChat wallets
Topping up your ChitChat wallet via a card
Sending money to a Zambian mobile money wallet
Card replacement fee
Declined transaction fee
*per transaction
**of the transaction amount
The End.
