Greasing Ethiopia’s payment infrastructure.

Terms & conditions

Terms of Service

These Term of Use (the “Agreement”) are entered into and effective as of the date of your account registration with Chapa Financial Technologies Share Company. This Agreement governs the relationship between company incorporated and existing under the laws of Federal Democratic republic of Ethiopia, with registered offices at Addis Ababa, Ethiopia, Bole Sub city, Woreda 3, House no. 755/41B (hereinafter referred to as “Company/CHAPA” which expression shall where the context so admits include its successors-in-title and assigns (“CHAPA,” the “Company,” “we,” “our,” or “us”), and you the account holder, user, or licensee (“You” or “User) collectively, the “Parties”, whether as an individual or as a representative of an entity. The Agreement also covers your use of our website (“Website”) and our Software as a Service products (“Software”), which are designed to enable organizations to accept donations directly through their website, or through our website.

Please read the Agreement carefully before you start to use the Website. By using the Website, or by clicking to “accept” or “agree” to the Terms of Use when this option is made available to you, you accept and agree to be bound and abide by this Agreement and our Privacy Policy, incorporated herein by reference. You also acknowledge and warrant, if applicable, that you have the authority to enter into this agreement on behalf of, and bind, the entity for which you will be using the Software as a registered user.

If you do not want to agree to these Terms of Use, or the Privacy Policy, you must not access or use the Website.

This Website is offered and available to users who are 18 years of age or older. By using this Website, you represent and warrant that you are of legal age to form a binding contract with the Company and meet all of the foregoing eligibility requirements. If you do not meet all of these requirements, you must not access or use the Website.

  1. Grant of Rights

Software. Subject to the terms and conditions set forth herein, we hereby grant you a limited, worldwide, non-exclusive, fee-based, non-transferable (except as set forth under Section 11.6) right and license, under our Intellectual Property Rights, to (i) use, in the form in which such Software is delivered by CHAPA or its partners only, and (ii) utilize such Software only for the purpose of receiving donations.

Limited Rights of Licensee. Your obtainment and/or use of the Software does not grant you any rights of ownership in the Software, as all rights granted are merely those of a licensee under the terms of this Agreement, with those rights granted only for such time as (i) you conform to the terms and conditions of this Agreement, and (ii) until the termination of this Agreement.

No Other Rights. Except for the limited rights expressly granted under this Agreement, neither this Agreement nor your exercise of rights granted convey any other rights or license to the Software, Confidential Information, Documentation, and Marks whether by implication, estoppel or otherwise, under any of CHAPA’s Intellectual Property Rights (as defined below). We retain all rights, title and interest in and to the Software, Confidential Information, Documentation and Marks (as defined below), including without limitation, all worldwide right, title and interest in and to (i) all patents and all filed, pending applications for patents, including any reissue, re-examination, divisional, continuation or continuation-in-part patent applications now or hereafter filed (“Patent Rights”); (ii) all trade secrets, and all trade secret rights and equivalent rights arising; (iii) all works of authorship, including all registered and unregistered copyrights; and (iv) all proprietary indicia, trademarks, trade names, symbols, logos and/or brand names (“Marks”), in each case of (i) through (iv) as the same may arise or exist under common law, state law, federal law and laws of foreign countries (collectively “Intellectual Property Rights”).

  1. Payments

Transaction Fees. Customers pay a platform fee and optional add-on subscription fees to use the Website unless waived by CHAPA prior a notice to its merchants.

Taxes. The taxes are handled by CHAPA’s partner, Flutterwave, that is also a payment processor.

  1. Your Additional Obligations

Performance Obligations. You shall not alter, re-label or change the Software as provided by CHAPA, and as may be amended at any time at our sole discretion, without our prior written consent.

Books and Records. You agree to keep and maintain accurate books and records as reasonably necessary for verification of transaction payments pursuant to this Agreement.

Terms and Conditions of Payment Processor (Flutterwave). You agree at all times to conform to any and all terms and conditions, duties, and obligations arising out of, or pertinent to, your use of Flutterwave services through, or with respect to, our Software, which terms and conditions may be amended from time-to-time at the sole discretion of Stripe (for more information, visit Flutter wave Service Agreement.)

  1. Limited Warranty

Limited Warranty. CHAPA agrees to provide Software which operates for the purpose of permitting you to accept donations through your website. CHAPA shall have no obligation to provide warranty services if a defect is caused by a malfunction of non- CHAPA hardware or software, or the failure to install and use any mandatory bug fixes or other software code provided free of charge by CHAPA, provided the relevant defect is caused by or is not remedied by failure to install the same, by modification of the Software not made by CHAPA, or by operator error or by misuse of Software.

Disclaimer. Except as may be agreed to in a separate writing between the parties, to the maximum extent permitted under applicable law, the limited warranty granted above is in lieu of all other warranties with respect to the software, whether statutory, by operation of law, or otherwise, and whether express or implied, including, without limitation, any implied warranty of merchantability, fitness for a particular purpose, non- infringement, title, accuracy and any warranties arising out of usage or trade. This warranty is applicable solely to you and not to any donor or any other third party. No waiver, alteration or modification of this warranty shall be binding against CHAPA unless in writing as a separate amendment hereto and signed by an executive officer of CHAPA.

Licensee Warranty Limitations. You agree to indemnify, defend and hold harmless CHAPA, its officers, agents, employees, and affiliates from any claim or liability arising out of or relating to any grant by you of any representation or warranty.

  1. Terms and Termination

Terms. This Agreement shall continue in force during your use of the Software provided by CHAPA as defined in this agreement. Either party may terminate this Agreement at any time. If you would like to terminate this Agreement, you must send a request to CHAPA to close your account. CHAPA may terminate this Agreement by closing your account, which will prevent the processing of future donations. CHAPA may, at their sole discretion, suspend and/or place an account under review for possible violation of terms, related to the CHAPA Acceptable Usage Policy.

Termination for Insolvency. This Agreement shall terminate, without notice, (i) upon the institution by or against either Party of bankruptcy proceedings, which proceedings are not dismissed within ninety (90) days of their commencement, or (ii) upon either Party’s making an assignment for the benefit of creditors, or (iii) upon either Party’s dissolution.

Survival. The provisions of Section 1.3, 3.1, 3.2, 4.2, 5.3, 5.4, 6.1, 6.2, 6.3, 8, 9, 10, 11, and all payment obligations incurred prior to termination shall survive the termination of this Agreement for any reason.

No Liability for Termination. In the event of termination of this Agreement by either Party in accordance with any of the provisions of this Agreement, neither Party shall be liable to the other, because of such termination, for compensation, reimbursement or damages on account of the loss of prospective profits or anticipated sales, or on account of expenditures, inventory, investments, leases or commitments in connection with the business or goodwill of either Party. Termination shall not, however, relieve either Party of obligations incurred prior to the termination.

Discretion for Termination. We may, in our sole discretion, refuse to offer the Services to any person or entity. We may, without notice and in our sole discretion, terminate your right to use the Services, or any portion thereof, and block or prevent your future access to and use of the Services or any portion thereof. Nothing herein shall be construed to create any duty to, or standard of care with reference to, or any obligation or liability to any person not a party to this Terms of Service. In particular, we disclaim any third-party beneficiary rights and interests which may arise out of, or pertain to, to our right reserved herein.

  1. Intellectual Property Notices and Confidentiality

Intellectual Property Notices. You agree not to remove and to retain all proprietary Marks, legends and IP notices that appear on or display in connection with the Software, documentation, and Confidential Information delivered to you by CHAPA, and all whole or partial copies thereof.

  1. Confidentiality

Confidential Information. For purposes of this Agreement, a Party’s Confidential Information shall mean (i) all information considered by one Party to be confidential and which is clearly marked as “confidential” prior to disclosure to the other Party, or if disclosed orally or visually disclosed, shall be identified as the confidential information of the disclosing Party at the time of disclosure and then summarized in writing and provided to the recipient within thirty (30) days of such oral or visual disclosure; (ii) all information concerning or related to the Software, including but not limited to the logic, designs, source code, product specifications, inventions, research, improvement, manufacture and sale of the Software (including sales, costs, profits, pricing methods, organizations, business and product plans), and (iii) any other information which a reasonable business person would consider to be confidential information of the other Party. Confidential Information shall not include information which: (i) is or becomes public knowledge without any action by, or involvement of, the receiving Party; (ii) is disclosed by one Party with the prior written approval of the other Party, (iii) is received by the receiving Party from a third party without a confidentiality obligation or duty of nondisclosure; or (iv) is disclosed pursuant to any judicial or governmental order, provided that to the extent consistent with such order the disclosing Party gives the other Party sufficient prior notice to contest such order.

Non-Use and Non-Disclosure. The Parties to this Agreement agree to observe complete confidentiality with respect to the Confidential Information, and to make all reasonable efforts not to disclose, or permit any third party or entity access to, the Confidential Information (or any portion thereof) without the prior written permission of the other Party (except such disclosure or access which is required to perform any obligations under this Agreement and to ensure that any employees, or any third parties who obtain access to the Confidential Information, are advised of the confidential and proprietary nature thereof and are prohibited from copying, utilizing or otherwise revealing the Confidential Information. Without limiting the foregoing, the Parties agree to employ, with regard to the Confidential Information, procedures no less restrictive than the strictest procedures used by it to protect its own confidential and proprietary information.

Source Code. You agree not to attempt, directly or indirectly, to decompile, disassemble, reverse engineer or use any other similar process with respect to the code, logic or information embodied by the Software.

  1. Trademarks and Trade Names

Use. During the Term, you shall have the right to use CHAPA’s Marks to advertise and identify that your website donation program is administered with the Software. You shall use such Marks in accordance with CHAPA’s usage in the Software, and shall not modify or delete such Marks as set forth in the Software or in its user interface without the prior written consent of CHAPA, in its sole discretion.

Ownership. Except for the limited rights provided for in this Section 7, nothing contained in this Agreement shall grant you any right, title or interest in CHAPA’s Marks. At no time during the Term shall you challenge or assist others in challenging CHAPA’s rights in and to its Marks, or the registration thereof, or attempt to register any trademarks, trade names or other proprietary indicia confusingly similar to such Marks. All uses of CHAPA’s Marks will inure solely to CHAPA, and you hereby irrevocably assign to CHAPA all such right, title and interest, if any, in any such Marks and agree to provide CHAPA reasonable assistance in its registration of the Marks in those jurisdictions in which your activities will be carried out.

  1. Patents and Copyright Indemnity

Limitation of Liability. CHAPA shall have no liability for any claim based upon: (i) the combination, operation or use of the software with equipment, devices or software not supplied, approved, or specified by CHAPA, where such claim arises solely as a result of such combination; (ii) any alteration or modification of any product not performed by CHAPA, (iii) the failure to install mandatory software updates and/or fixes or other software code provided free of charge to you and/or your donors, provided such claim would not have arisen but for such failure to install the same, (iv) misuse of the software, including but not limited to, use not in accordance with the intended purpose of the software.

Entire Liability. This section 8 states the entire liability of CHAPA, as well as your sole and exclusive remedy with respect to infringement or misappropriation of any intellectual property rights of a third party, and CHAPA shall have no additional liability with respect to any alleged or proven infringement or misappropriation.

Notification of Unauthorized Use. You agree to promptly notify CHAPA in writing upon your discovery of any unauthorized use or infringement of the Software, or CHAPA’s Intellectual Property Rights with respect thereto. CHAPA shall have the sole and exclusive right to bring an infringement action or proceeding against any infringing third party, and, in the event that CHAPA brings such an action or proceeding, you shall cooperate and provide full information and assistance to CHAPA (at CHAPA’s expense) and its counsel in connection with any such action or proceeding.

  1. Indemnification by Licensee

Subject to CHAPA’s indemnification obligation pursuant to Section 8, you shall defend, or at your sole option, settle, at your sole expense, any demand, claim or action brought against CHAPA to the extent that such demand, claim or action is based on an allegation by a third party based on your actions or omissions with respect to this Agreement or your use of the Software, and you will indemnify CHAPA from any costs, damages and fees (including attorney’s fees) incurred by, settled for, or awarded against CHAPA from such claim. You shall be relieved of the foregoing indemnification obligations to the extent CHAPA fails to (i) notify you promptly in writing of any Claim, (ii) permit you to defend against, compromise or settle such Claim or (iii) provide all available information and assistance (at your expense) reasonably necessary for you to defend against, compromise, or settle such claim. You shall not be liable for any costs, damages or fees incurred by CHAPA on such action or claim unless you have authorized this in writing in advance. You will not agree to a settlement that would adversely affect CHAPA’s interests without CHAPA’s express written consent.

  1. Limitation of Liability

No Consequential Damages. To the maximum extent permitted under applicable law, under no circumstances shall either party, its affiliates, agents, representatives, employees or suppliers be liable to the other party or to any third party (except pursuant to sections 8 and 9) under any legal or equitable theory, for any indirect, consequential, incidental, punitive, exemplary or special damages (including any amounts for loss of profits, substitute goods, loss of data or otherwise) arising out of or in connection with this agreement or termination hereof, even if advised of the possibility of such damages and notwithstanding any failure of essential purpose of any limited remedy or warranty provided hereunder. The foregoing limitation shall not apply to amounts for which either party is liable to the other party under section 4 section 6, section 7, or sections 8 or 9 (indemnification), or based on you exceeding the scope of the licenses granted hereunder.

Cap on Monetary Liability. Except as otherwise provided, in no event will the aggregate liability of CHAPA, its service providers, and suppliers under or in connection with this agreement or its subject matter, under any legal or equitable theory, including breach of contract, tort (including negligence), strict liability and otherwise, exceed the total amount paid by you to donor box. The foregoing limitation applies notwithstanding the failure of any agreed or other remedy of its essential purpose.

  1. General Provisions

Compliance with Laws. During the term of this Agreement, each Party shall comply with all applicable laws, including but not limited to the Federal Democratic Republic of Ethiopia Revenue Authority and the Commercial Code of Ethiopia and laws governing nonprofit organizations and the receipt of donations to such organizations in Ethiopia.

Applicable Law. Notwithstanding anything in this Agreement to the contrary, the laws of the Federal Democratic Republic of Ethiopia shall govern the performance and construction of this Agreement and the interpretation of the Parties’ rights and duties without reference to its conflict of laws principles. Any controversy arising out of or related to this Agreement may be submitted before any of the federal courts located in the County of Ethiopia, to whose personal jurisdiction and venue each Party hereby irrevocably submits.

Entire Agreement. This Agreement sets forth the entire agreement and understanding of the Parties relating to the subject matter herein and merges all prior discussions between them. No modification of or amendment to this Agreement, or any waiver of any rights under this Agreement, shall be effective unless in writing signed by both Parties.

Notices. Any notice required or permitted to be given under this Agreement shall be deemed given when delivered (i) by hand, (ii) by registered or certified mail, postage prepaid, return receipt requested, the address of the other Party first set forth above, or to such other address as a Party may designate by written notice to the other Party no less than thirty (30) days prior to change of such address, (iii) by overnight courier, or (iv) by fax with confirming letter mailed under the conditions described in (ii) above.

Force Majeure. Except for the obligation to make payments, non-performance of either Party shall be excused to the extent the performance is rendered impossible by strike, fire, flood, terrorism, governmental acts or orders or restrictions, failure of suppliers or any other reason where failure to perform is beyond the reasonable control of, and is not caused by, the negligence of the non-performing Party.

Non-assignability and Binding Effect. You may not assign this Agreement to any third party without the prior written consent of CHAPA, and any attempt to do so in violation of the foregoing shall be deemed null, void and of no effect; provided that you shall be free to assign this Agreement in whole to any successor in interest to all or substantially all the assets or business pertaining to the subject matter hereof whether by merger, acquisition or consolidation or otherwise. Subject to the foregoing, this Agreement shall be binding upon and inure to the benefit of the Parties hereto and their permitted successors and assigns.

Legal Expenses. The prevailing Party in any legal action brought by one Party against the other and arising out of this Agreement shall be entitled, in addition to any other rights and remedies it may have, to reimbursement for its expenses, including court costs and reasonable attorneys’ fees.

Specific Performance; Injunctive Relief. Your breach of any obligation under Section 6 of this Agreement or regarding the use, duplication, modification, transfer or confidentiality of any Confidential Information, documentation or otherwise shall entitle CHAPA to injunctive, specific performance or other equitable relief, all without need of bond or undertaking of any nature, Licensee hereby specifically acknowledges that CHAPA’s remedies at law under such circumstances would be inadequate.

Authorizations. During the term of this Agreement, you shall, at your own expense, make, obtain, and maintain in force at all times during the Term of this Agreement, all filings, registrations, reports, licenses, permits and authorization from any private or governmental agency which are necessary for you to exercise your rights and perform your obligations hereunder (“Authorizations”). CHAPA shall provide you, at your expense, with such assistance as you may reasonably request in making or obtaining any such Authorizations. In the event that the issuance of any Authorization is conditioned upon an amendment or modification to this Agreement which is unacceptable to CHAPA, CHAPA shall have the right to terminate this Agreement immediately effective without notice and without liability or further obligation whatsoever to you.

Independent Contractors. The relationship between the Parties, established by this Agreement, is that of independent contractors, and nothing contained in this Agreement shall be construed to (i) give either Party the power to direct and control the day-to-day activities of the other, (ii) constitute the Parties as partners, joint-ventures, co-owners or otherwise as participants in a joint or common undertaking, or (iii) allow you to create or assume any obligation on behalf of CHAPA for any purpose whatsoever.

Approvals and Enforceability. You hereby represent and warrant that no Authorization or other consent, approval or authorization of or designation, declaration or filing with any governmental authority is required in connection with the valid execution, delivery and performance of this Agreement. Additionally, you further represent that you have the legal authority to bind the corporation or entity on whose behalf you are obtaining the Software.

Severability. If any term, condition, or provision in this Agreement is found to be invalid, unlawful or unenforceable to any extent, the Parties shall endeavor in good faith to agree to such amendments that will preserve, as far as possible, the intentions expressed in this Agreement. If the parties fail to agree on such an amendment, such invalid term, condition or provision (or portion thereof) will be severed from the remaining terms, conditions and provisions, which will continue to be valid and enforceable to the fullest extent permitted by law.

Changes to These Terms. CHAPA may revise and update these Terms of Use from time to time in our sole discretion. All changes are effective immediately when we post them, and apply to all access to and use of the Website thereafter. Should you not agree to the changes, your sole recourse is to immediately discontinue the use of the Website and Software.