SECTION A: TERMS OF SERVICE

Last Modified: May 18th, 2020

Thank you for using Greydot Mobile!
These terms of service (the "Terms") govern your access to and use of Greydot Mobile ("we" or "our") websites, software, methods and services (the "Services"), so please carefully read them before using the Services.

By using the Services you agree to be bound by these Terms.

If you are using the Services on behalf of an organization, you are agreeing to these Terms for that organization and promising that you have the authority to bind that organization to these terms. In that case, "you" and "your" will refer to that organization.

You may use the Services only in compliance with these Terms.

You may use the Services only if you have the power to form a contract with Greydot Mobile and are not barred under any applicable laws from doing so.

Change Control
The Services may continue to change over time as we refine and add more features. We may stop, suspend, or modify the Services at any time without prior notice to you. We may also remove any content from our Services at our discretion.

Your Stuff & Your Privacy
By using our Services you provide us with information such as your contact number and optional email address information (together, "your stuff").

You retain full ownership to your stuff. We don't claim any ownership to any of it. These Terms do not grant us any rights to your stuff or intellectual property except for the limited rights that are needed to run the Services, as explained below.

For accounting purposes and sometimes by law, to keep track of transaction records. By using our Service you agree that the transaction records is our shared stuff with the understanding that we will not intentionally share this information with anyone unless we're directed by you or by a court order to do so.

By using our Service you give us your permission to do things with your stuff, for example, sending you product updates, system notifications and nagging you to subscribe.

This includes product features visible to you, for example, text messages. It also includes design choices we make to technically administer our Services, for example, how we redundantly backup data to keep it safe.

You give us the permissions we need to do those things solely to provide the Services.

This permission also extends to trusted third parties we work with to provide the Services, for example our internet service provider (again, only to provide the Services).

To be clear, aside from the rare exceptions as published in our Privacy Policy, no matter how the Services change, we won't intentionally share your information with others, unless it's required for the Services to function or unless you direct us to do so.

You are solely responsible for your conduct and your communications with others while using the Services. For example, it's your responsibility to ensure that you have the rights or permission needed to comply with these Terms.

You acknowledge that Greydot Mobile has no obligation to monitor any information on the Services. We are not responsible for the accuracy, completeness, appropriateness, or legality, or any other information you may be able to access using the Services.

Risk Disclosure
PURCHASING, TRADING AND INVESTING IN ALTERNATIVE DIGITAL TOKENS INVOLVES HIGH RISKS!

Before deciding to purchase or trade in alternative digital tokens you should carefully consider your objectives, level of experience, and risk appetite.

The possibility exists that you could sustain a loss of some or all of your money and therefore you should not use money that you cannot afford to lose! There is considerable exposure to risk in any digital transaction, including, but not limited to, limited regulatory protection and market volatility that may substantially affect the outcome of the transaction.

You should be aware of all the risks associated with using, trading, holding digital tokens and seek advice from an independent financial advisor if you have any doubts.

You agree that Greydot Mobile is merely the facilitator of the transaction between you and a third party; as such we do not accept any responsibility for the accuracy, content, value and delivery of the goods purchased or sold through the Greydot Mobile transaction system - that is a contract between you and the third part to which we are not privy.

You therefore, after considering this warning, agree that:
ALL TRANSACTIONS ARE FINAL AND IRREVERSIBLE.

You accept that the Greydot Mobile transaction system may charge a fee based on the value of the transaction, which is disclosed before the transaction takes place.

You agree that we may deduct the fee once the transaction completes successfully and that this fee is also FINAL AND IRREVERSIBLE.

 

You acknowledge that Greydot Mobile does not hold deposit-taking licenses (a banking license) and cannot hold funds on your behalf. You agree that any unused tokens, accept those held in crypto token format, shall be automatically settled to Airtime within 7 (seven) calendar days, unless you request a withdrawal via the banking system. No tokens may be settled in cash notes.

Your Responsibilities
We plead with your to use our Service in a responsible manner and according with Acceptable Use Policy.

 

You will not or will not attempt to, misuse the Services, and will use the Services only in a manner consistent with the Acceptable Use Policy.

You, and not Greydot Mobile, are responsible for maintaining and protecting all of your stuff. Greydot Mobile will not be liable for any loss or theft of your stuff or for any costs or expenses associated with the use of your stuff.

If your contact information or other information related to your account, changes, you must notify us promptly and keep your information current.

The Services are not intended for use by you if you are under 13 years of age. By agreeing to these Terms, you are representing to us that you are over 13.

Account Security
You are responsible for safeguarding the password, PIN and validation code that you use to access and transact on the Services and you agree not to disclose this to anyone including representatives of Greydot Mobile.

You are responsible for any activity using your account, whether or not you authorized that activity. You should immediately notify Greydot Mobile of any unauthorized use of your account.

Software and Updates
Our Service requires you to download a software application freely distributed under the GNU General Public License, to your mobile device such as tablet or telephone ("Software").

We hereby reserve all rights not expressly granted under the provisions of the GNU General Public License, in these Terms. Our Services may update the Software on your device automatically when a new version is available.

Greydot Mobile Property and Feedback
These terms do not grant you any right, title, or interest in the Services, or the content in the Services. While we appreciate it when users send us feedback, please be aware that we may use any feedback, comments, or suggestions you send us or post in our forums without any obligation to you.

Some of the technologies we use to provide the Services are protected by trademark, and other laws of both Botswana, South Africa and foreign countries. These Terms do not grant you any rights to use the Greydot Mobile trademarks, logos, domain names, or other brand features.

Copyright, Patents & Trademarks
We will respond to notices of alleged copyright, patent or trademark infringement if they comply with Botswana Law and are properly provided to us.
Our designated agent for notice of alleged infringement on the Services is:
Greydot Card Services Pty Ltd
Intellectual Property Infringements
mail our copyright department

Other Content
The Services may contain links to third-party websites or resources. Greydot Mobile does not endorse and is not responsible or liable for their availability, accuracy, the related content, products, or services.

 

You are solely responsible for your use of any such websites or resources. Also, if we provide you with any software under an open source license, there may be provisions in those licenses that expressly conflict with these Terms, in which case the open source provisions will apply.

Termination
Though we'd much rather you stay, you can stop using our Services any time.

 

We reserve the right to suspend or end the Services at any time, with or without cause, and with or without notice. For example, we may suspend or terminate your use if you are not complying with these Terms, or use the Services in any way that would cause us legal liability or disrupt others' use of the Services. If we suspend or terminate your use, we will try to let you know in advance, though there may be some cases (for example, repeatedly or flagrantly violating these Terms, a court order, or danger to other users) where we may suspend immediately.

Resolving Disputes
LET'S TRY TO RESOLVE THE ISSUE FIRST. We want to address your concerns without needing a formal legal case. Before filing a claim against Greydot Mobile, you agree to try to resolve the dispute informally by contacting disputes department. We'll try to resolve the dispute informally by contacting you via email. If a dispute is not resolved within 15 days of submission, you or Greydot Mobile may bring a formal proceeding.

WE BOTH AGREE TO ARBITRATE. You and Greydot Mobile agree to resolve any claims relating to these Terms or the Services through final and binding arbitration, except as set forth under Exceptions to Agreement to Arbitrate below.

Opt-out of Agreement to Arbitrate: You can decline this agreement to arbitrate by contacting us within 30 days of first accepting these Terms.

Arbitration Procedures: The Association of Arbitrators (Southern Africa) will administer the arbitration. The arbitration will be held in South Africa, or any other location we agree to.
Arbitration Fees and Incentives. The Association of Arbitrators (Southern Africa) rules will govern payment of all arbitration fees. Greydot Mobile will not seek its attorneys' fees and costs in arbitration unless the arbitrator determines that your claim is frivolous.

Exceptions to Agreement to Arbitrate: Either you or Greydot Mobile may assert claims.

Either party may bring a lawsuit solely for injunctive relief to stop unauthorized use or abuse of the Services, without first engaging in arbitration or the informal dispute-resolution process described above.

No Class Actions: You may only resolve disputes with us on an individual basis, and may not bring a claim as a plaintiff or a class member in a class, consolidated, or representative action. Class arbitrations, class actions, private attorney general actions, and consolidation with other arbitrations aren't allowed.

Judicial forum for disputes: In the event that the agreement to arbitrate is found not to apply to you or your claim, you and Greydot Mobile agree that any judicial proceeding will be brought in the courts of the Republic of Botswana. Both you and Greydot Mobile consent to venue and personal jurisdiction there.

Controlling Law
These Terms will be governed by the laws of the Republic of Botswana.

Entire Agreement
These Terms constitute the entire agreement between you and Greydot Mobile with respect to the subject matter of these Terms, and supersede and replace any other prior or contemporaneous agreements, or terms and conditions applicable to the subject matter of these Terms.

 

These Terms create no third party beneficiary rights.

Waiver, Severability & Assignment
Greydot Mobile's failure to enforce a provision is not a waiver of its right to do so later. If a provision is found unenforceable, the remaining provisions of the Terms will remain in full effect and an enforceable term will be substituted reflecting our intent as closely as possible.

 

You may not assign any of your rights under these Terms, and any such attempt will be void. Greydot Mobile may assign its rights to any of its affiliates or subsidiaries, or to any successor in interest of any business associated with the Services.

Modifications
We may revise these Terms from time to time, and will always post the most current version on our website with a date making the change. If a revision meaningfully reduces your rights, we will notify you (by, for example, sending a message to the email address associated with your account, posting on our blog or on this page). By continuing to use or access the Services after the revisions come into effect, you agree to be bound by the revised Terms.

Greydot Mobile is Available "AS-IS"
Though we want to provide a great service, there are certain things about the service we can't promise. For example, THE SERVICES AND SOFTWARE ARE PROVIDED "AS IS", AT YOUR OWN RISK, WITHOUT EXPRESS OR IMPLIED WARRANTY OR CONDITION OF ANY KIND. WE ALSO DISCLAIM ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. (We are not shouting- it's just that these disclaimers are really important, so we want to highlight them).

Greydot Mobile will have no responsibility for any harm to your computer or system or mobile device, loss or corruption of data, or other harm that results from your access to or use of the Services or Software.

Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL GREYDOT MOBILE, ITS AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, SUPPLIERS OR LICENSORS BE LIABLE FOR (A) ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, EXEMPLARY OR CONSEQUENTIAL (INCLUDING LOSS OF USE, DATA, BUSINESS, OR PROFITS) DAMAGES, REGARDLESS OF LEGAL THEORY, WHETHER OR NOT Greydot Mobile HAS BEEN WARNED OF THE POSSIBILITY OF SUCH DAMAGES, AND EVEN IF A REMEDY FAILS OF ITS ESSENTIAL PURPOSE; (B) AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICES MORE THAN THE GREATER OF P5 (FIVE BOTSWANA PULA) .

Miscellaneous Legal Terms
THESE TERMS AND THE USE OF THE SERVICES AND SOFTWARE WILL BE GOVERNED BY BOTSWANA LAW EXCEPT FOR ITS CONFLICTS OF LAWS PRINCIPLES. ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES OR SOFTWARE MUST BE LITIGATED EXCLUSIVELY IN THE REPUBLIC OF BOTSWANA AND BOTH PARTIES CONSENT TO VENUE AND PERSONAL JURISDICTION THERE. These Terms constitute the entire and exclusive agreement between you and Greydot Mobile with respect to the Services, and supersede and replace any other agreements, terms and conditions applicable to the Services. These Terms create no third party beneficiary rights. Greydot Mobile's failure to enforce a provision is not a waiver of its right to do so later. If a provision is found unenforceable the remaining provisions of the Agreement will remain in full effect and an enforceable term will be substituted reflecting our intent as closely as possible. You may not assign any of your rights in these Terms, and any such attempt is void, but Greydot Mobile may assign its rights to any of its affiliates or subsidiaries, or to any successor in interest of any business associated with the Services. Greydot Mobile and you are not legal partners or agents; instead, our relationship is that of independent contractors.

SECTION B: PRIVACY POLICY

 

Last Modified: May 18th, 2020

This Privacy Policy provides our policies and procedures for collecting, using, and disclosing your information. Users can access the Greydot Mobile service (the "Service") through our website

Government Data Request Principles
We understand that when you entrust us with your digital life, you expect us to keep your stuff safe.

Our policy is that the less we know and by implication the less you give us of your digital life the less there is to provide to governments. Like most online services, we receive requests from governments seeking information about our users and under applicable law we might be forced to collect, store and share this information with law enforcement, without your knowledge or consent.

These principles describe how we deal with the requests we receive.

Be transparent: Online services should be allowed to report the exact number of government data requests received, the number of accounts affected by those requests, and the laws used to justify the requests.

Fight blanket requests: Government data requests should be limited to specific people and investigations. We'll resist requests directed to large groups of people or that seek information unrelated to a specific investigation.

Protect all users: Laws authorising governments to request user data from online services shouldn't treat people differently based on their citizenship or where they live.

Provide trusted services: Governments should never install backdoors into online services or compromise infrastructure to obtain user data.

Resist: We never simply hand over your information, we ask, we verify, we resist in a court of law, if need be, and if we are able to do so.

The Information We Collect and Store
We may collect and store the following information when running the Greydot Mobile Service:

Information You Provide: When you register an account, we collect some personal information, such as your name, phone number, other billing information and email address. You may also ask us to import your contacts by giving us access to your third party services (for example, your email account) or to use your social networking information if you give us access to your account on social network connection services.
When you invite others to join Greydot Mobile by using our referral page, we send them a one-time text message for that referral. You may also provide us with your contacts' telephone numbers and email addresses when inviting them. We may also receive Personal Information (for example, your email address or telephone number) through other users, for example if they have tried to refer Greydot Mobile to you.

Log Data: When you use the Service, we automatically record information associated with your transactions. We further record information from your Device, its software, and your activity using the Services. This may include the Device's Internet Protocol ("IP") address, browser type, locale preferences, identification numbers associated with your Devices, your mobile carrier, date and time stamps associated with transactions, system configuration information and other interactions with the Service.

How We Use Personal Information
In the course of using the Service, we may collect personal information that can be used to contact or identify you ("Personal Information"). Personal Information is or may be used: (i) to provide and improve our Service, (ii) to administer your use of the Service, (iii) to better understand your needs and interests, (iv) to personalize and improve your experience, and (v) to provide or offer software updates and product announcements. If you no longer wish to receive communications from us, please follow the "unsubscribe" instructions provided in any of those communications, or update your account settings information. Geo-

Location Information: Some Devices allow applications to access real-time location-based information (for example, GPS). Our mobile apps do not collect such information from your mobile device at any time while you download or use our mobile apps. Some of the information we collect from a Device, for example IP address, can sometimes be used to approximate a Device's location.

Analytics: We also collect some information (ourselves or using third party services), which can sometimes be correlated with Personal Information. We use this information for the above purposes and to monitor and analyse use of the Service, for the Service's technical administration, to increase our Service's functionality and user-friendliness, and to verify users have the authorization needed for the Service to process their requests.

Information Sharing and Disclosure
We will display your Personal Information in your account page and elsewhere on the Service according to the preferences you set in your account. Any information you choose to provide should reflect how much you want others to know about you. Please consider carefully what information you disclose in your account page and your desired level of anonymity. You can review and revise your profile information at any time. We do not sell your personal information to third parties. We may also share or disclose your information with your consent, for example if you use a third party application to access your account (see below). Through certain features of the Service, you may also have the ability to make some of your information public. Public information may be broadly and quickly disseminated. Service Providers, Business Partners and Others: We may use certain trusted third party companies and individuals to help us provide, analyse, and improve the Service (including but not limited to data storage, maintenance services, database management, web analytics, payment processing, and improvement of the Service's features). These third parties may have access to your information only for purposes of performing these tasks on our behalf and under obligations similar to those in this Privacy Policy.

Third-Party Applications: We may share your information with a third party application with your consent, for example when you choose to access our Services through such an application. We are not responsible for what those parties do with your information, so you should make sure you trust the application and that it has a privacy policy acceptable to you.

Compliance with Laws and Law Enforcement Requests; Protection of Greydot Mobile's Rights: We may disclose to parties outside Greydot Mobile information about you that we collect when we have a good faith belief that disclosure is reasonably necessary to (a) comply with a law, regulation or compulsory legal request; (b) protect the safety of any person from death or serious bodily injury; (c) prevent fraud or abuse of Greydot Mobile or its users; or (d) to protect Greydot Mobile's property rights. If we provide your information to a law enforcement agency as set forth above.

Business Transfers: If we are involved in a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred as part of that transaction, but we will notify you (for example, via email and/or a prominent notice on our website) of any change in control or use of your Personal Information or Files, or if either become subject to a different Privacy Policy. We will also notify you of choices you may have regarding the information. Non-private or Non-Personal Information: We may disclose your non-private, aggregated, or otherwise non-personal information, such as usage statistics of our Service.

Changing or Deleting Your Information
If you are a registered user, you may review, update, correct or delete the Personal Information provided in your registration or account profile by changing your "account settings." If your personally identifiable information changes, or if you no longer desire our service, you may update or delete it by making the change on your account settings. In some cases we may retain copies of your information if required by law.

Data Retention
We will retain your information for as long as your account is active or as needed or as directed by law in order to provide you services. If you wish to cancel your account or request that we no longer use your information to provide you services, you may delete your account. We may retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements. Consistent with these requirements, we will try to delete your information quickly upon request. Please note, however, that there might be latency in deleting information from our servers and backed-up versions might exist after deletion. In addition, we do not delete from our servers call information that you have in common with other users.

Greydot Mobile Community
Our Service offers publicly accessible community services such as blogs, forums, and wikis. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them. Your posts may remain even after you cancel your account.

Our Site includes links to other Web sites whose privacy practices may differ from those of Greydot Mobile. If you submit personal information to any of those sites, your information is governed by their privacy statements. We encourage you to carefully read the privacy statement of any Web site you visit.

Security
The security of your information is important to us. When you enter sensitive information on our order forms, we encrypt the transmission and contents of that information.

We follow generally accepted standards to protect the information submitted to us, both during transmission and once we receive it. No method of electronic transmission or storage is 100% secure, however. Therefore, we cannot guarantee its absolute security.

Our Policy towards Children
Our Services are not directed to persons under 13. We do not knowingly collect personally identifiable information from children under 13. If a parent or guardian becomes aware that his or her child has provided us with Personal Information without their consent, he or she should contact us. If we become aware that a child under 13 has provided us with Personal Information, we will take steps to delete such information from our files.

Contacting Us
If you have any questions about this Privacy Policy, please contact us at privacy

Changes to our Privacy Policy
This Privacy Policy may change from time to time. If we make a change to this privacy policy that we believe materially reduces your rights, we will provide you with notice (for example, by email). And we may provide notice of changes in other circumstances as well. By continuing to use the Service after those changes become effective, you agree to be bound by the revised Privacy Policy.

 

SECTION C: ACCEPTABLE USE POLICY

Last Modified: May 18th, 2020

Greydot Mobile is used by many people, and we are proud of the trust placed in us. In exchange, we trust you to use our services responsibly.

You agree not to misuse the Greydot Mobile services. For example, you must not, and must not attempt to, use the services to do the following things:

Probe, scan, or test the vulnerability of any system or network;

Breach or otherwise circumvent any security or authentication measures;

Access, tamper with, or use non-public areas of the Service, shared areas of the Service you have not been invited to,Greydot Mobile (or our service providers') computer systems;

Interfere with or disrupt any user, host, or network, for example by sending a virus, overloading, flooding, spamming, or mail-bombing any part of the Services;plant malware or otherwise use the Services to distribute malware;

Access or search the Services by any means other than our publicly supported interfaces (for example, "scraping");

Send unsolicited communications, promotions or advertisements, or spam;

Send altered, deceptive or false source-identifying information, including "spoofing" or "phishing";

Publish anything that is fraudulent, misleading, or infringes another's rights;

Promote or advertise products or services other than your own without appropriate authorization;

Impersonate or misrepresent your affiliation with any person or entity;

 

Abuse Greydot Mobile referrals to get more credit for referrals than deserved;

Publish or share materials that are unlawfully pornographic or indecent, or that advocate bigotry, religious, racial or ethnic hatred; violate the law in any way, or to violate the privacy of others, or to defame others.

 

Purchase digital tokens using fraudulent means, including but not limited to stolen credit cards and unauthorised bank transactions. You agree that any claim by a bank or third party service provider, that digital tokens were purchased on your account, in a fraudulent transaction on their platforms, may result in you forfeiting the total balance of ALL tokens in your wallet.

 

 

SECTION D: INSURANCE/MEMBERSHIP TERMS AND CONDITIONS

 

Last Modified: June 14th, 2022

Membership Terms and Conditions V1 Greydot (PDF view and download)

One month Free Funeral Assist Letter and Terms and Conditions Exodec Guard Risk V2 28 03 2022 (PDF view and download)

ACCREDITATION AS A HEALTH CARE BROKERAGE IN TERMS OF THE MEDICAL SCHEMES ACT (PDF view and download)

Your Broker House Certification (PDF view and download)

Financial Services Board License (PDF view and download)