Terms of Service

Effective date: July 15, 2019
Updated date: June 21, 2021

Merchant Agreement

MazumaGo Holdings Ltd ("us", "we", or "our") operates the https://mazumago.com website (hereinafter referred to as the "Service").

This page informs you of our policies regarding the collection, use and disclosure of personal data when you use our Service and the choices you have associated with that data.

We use your data to provide and improve the Service. By using the Service, you agree to the collection and use of information in accordance with this policy. Unless otherwise defined in this Privacy Policy, the terms used in this Privacy Policy have the same meanings as in our Terms and Conditions, accessible from https://mazumago.com

Definitions

SERVICE

Service is the https://mazumago.com website operated by MazumaGo Holdings Ltd

PERSONAL DATA

Personal Data means data about a living individual who can be identified from those data (or from those and other information either in our possession or likely to come into our possession).

USAGE DATA

Usage Data is data collected automatically either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).

COOKIES

Cookies are small files stored on your device (computer or mobile device).

Limitation of Liability

THE LAWS OF CERTAIN JURISDICTIONS, INCLUDING QUEBEC, DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LEGAL WARRANTIES OR CONDITIONS, LIABILITY OR CERTAIN DAMAGES OR LIMITATIONS OF REPRESENTATIONS MADE CONCERNING GOODS OR SERVICES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE BELOW EXCLUSIONS OR LIMITATIONS MAY NOT APPLY TO YOU.

MAZUMAGO IS BEING PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS AND WITHOUT WARRANTIES OR CONDITIONS OF ANY KIND, EITHER EXPRESS OR IMPLIED. MAZUMAGO HOLDINGS LTD. DISCLAIMS ALL WARRANTIES AND CONDITIONS, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. MAZUMAGO HOLDINGS LTD. DOES NOT PROVIDE ANY WARRANTIES OR CONDITIONS THAT YOUR USE OF MAZUMAGO WILL BE UNINTERRUPTED, ERROR-FREE OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. MAZUMAGO HOLDINGS LTD. MAY CORRECT, MODIFY, AMEND, ENHANCE, IMPROVE AND MAKE ANY OTHER CHANGES TO MAZUMAGO AT ANY TIME WITH OR WITHOUT NOTICE.

IN NO EVENT WILL MAZUMAGO HOLDINGS LTD. BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES THAT RESULT FROM OR ARE IN CONNECTION WITH THE USE OF MAZUMAGO, THE TIMING OF VENDOR/SUPPLIER PAYMENTS OR RECEIPT OF PAYMENTS FROM CLIENTS, OR THE INABILITY TO USE MAZUMAGO, EVEN IF MAZUMAGO HOLDINGS LTD. HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. PLEASE ENSURE THAT YOU ISSUE PAYMENT INSTRUCTIONS WITH SUFFICIENT TIME FOR PROCESSING AND SO THAT YOU CAN CONFIRM RECEIPT IN ADVANCE OF THE DUE DATE BY YOUR VENDOR/SUPPLIER OR RECEIVE PAYMENT FROM YOUR CLIENTS IN ADVANCE OF THE DUE DATE APPLICABLE TO THEIR PAYMENT.

MAZUMAGO HOLDINGS LTD. MAKES NO WARRANTIES OR CONDITIONS REGARDING ANY OF THE ACCURACY OF INFORMATION ON THIS WEBSITE. YOU EXPRESSLY RELEASE AND HOLD MAZUMAGO HOLDINGS LTD. HARMLESS FROM ANY AND ALL CLAIMS, LOSSES, LIABILITY, DAMAGES, INJURIES AND EXPENSES (INCLUDING, WITHOUT LIMITATION, PERSONAL INJURY CLAIMS) ARISING OUT OF OR RELATING TO YOUR USE OF MAZUMAGO, ANY INFORMATION OBTAINED THROUGH MAZUMAGO, OR ANY ALLEGED VIOLATION BY YOU OF THIS MERCHANT AGREEMENT.


Term and Termination

This Merchant Agreement is effective as of the Effective Date and will continue in full force and effect until terminated by either party in accordance with its terms.

Either party shall have the right to terminate this Merchant Agreement at any time by providing at least ten (10) days prior written notice to the other party.

Either party shall have the right immediately to terminate this Merchant Agreement in the event: (i) a party becomes insolvent or is subject to the direct control of a temporary or permanent liquidator, receiver, trustee or custodian for all or a substantial part of its assets or business; (ii) a party makes an assignment for the benefit of creditors; or (iii) a party files a bankruptcy petition or a petition to take advantage of any insolvency laws.

For greater certainty, if you continue to use the MazumaGo platform after this Merchant Agreement has been terminated, this Merchant Agreement will continue to apply to the extent of such use.


Data Collection

We collect several different types of data for various purposes to provide and improve our Service to you.

Types of Data Collected

PERSONAL DATA

While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you ("Personal Data"). Personally identifiable information may include, but is not limited to:

  • Email address
  • First name and last name
  • Phone number
  • Address, State, Province, ZIP/Postal code, City
COOKIES AND USAGE DATA

We may use your Personal Data to contact you with newsletters, marketing or promotional materials and other information that may be of interest to you. You may opt out of receiving any, or all, of these communications from us by following the unsubscribe link or the instructions provided in any email we send.

USAGE DATA

We may also collect information on how the Service is accessed and used ("Usage Data"). This Usage Data may include information such as your computer's Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

LOCATION DATA

We may use and store information about your location if you give us permission to do so ("Location Data"). We use this data to provide features of our Service, to improve and customise our Service.

You can enable or disable location services when you use our Service at any time by way of your device settings.

TRACKING & COOKIES DATA

We use cookies and similar tracking technologies to track the activity on our Service and we hold certain information.

Cookies are files with a small amount of data which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your device. Other tracking technologies are also used such as beacons, tags and scripts to collect and track information and to improve and analyse our Service.

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.

EXAMPLES OF COOKIES WE USE:
  • Session Cookies. We use Session Cookies to operate our Service.
  • Preference Cookies. We use Preference Cookies to remember your preferences and various settings.
  • Security Cookies. We use Security Cookies for security purposes.

Payment Processing

Mazumago will perform EFT payments on your behalf.

Type of EFT payments

Remittances
  • When a user instruct the MazumaGo application to "send payment" or "internal transaction".
Merchant Servicing
  • When a user instructs the MazumaGo application to "request payment" or "create link"

Background checks

In order to activate any MazumaGo Account, MazumaGo will perform certain background verifications for the purposes of complying with requirements imposed by MazumaGo's financial institutions, the rules and regulations of the Canadian Payments Association, as they may be amended or replaced from time to time (the “CPA Rules”) or other regulatory obligations, and to limit fraud and manage risk. Such background verifications may include anti-money laundering, credit score and history and more general “know your client” information. By completing the account sign-up process, you consent to MazumaGo's background verifications for the purposes described above.

One Account

You represent and warrant that your MazumaGo Account is being and will only be used by one natural person. If you establish a MazumaGo Account for your own use, you will not share your MazumaGo Account or its credentials with any other person. Additional MazumaGo accounts are available for other members of your organization. You alone are responsible for any and all activity that occurs in MazumaGo through your MazumaGo Account. Your MazumaGo Account may be approved by you or an authorized signing authority for the purposes of enabling you to issue payment instructions related to a business bank account at a qualifying financial institution (“Bank Account”).

Account Security

You agree to take all necessary steps to preserve the confidentiality of, and to prevent the fraudulent or other misuse of, all passwords and forms of security, and identification used in connection with MazumaGo and to diligently supervise and monitor the conduct and work of all representatives and employees having any involvement in instructions to or other communications with MazumaGo. You agree to immediately notify us upon becoming aware of any unauthorized use of your MazumaGo Account or any other breach of security related to MazumaGo or your MazumaGo Account and provide all reasonable assistance necessary for MazumaGo to investigate and correct the problem, if one exists.

Binding Instructions

We will consider any access to MazumaGo through the use of your MazumaGo Account to be duly authorized by you. All instructions and information communicated to us through your MazumaGo Account or on your behalf by agents or representatives will be binding on you. Individuals who are authorized to issue instructions in connection with a Bank Account may authorize the connection of one or more MazumaGo Accounts to that Bank Account. If you are authorized to issue instructions in connection with a Bank Account, you confirm that you grant the authority to any employees, agents or other representatives that you permit to use MazumaGo on your behalf to legally bind you. MazumaGo is not required to verify the bona fides of transactions or the actual identity of users. Except as otherwise agreed to in writing by MazumaGo, MazumaGo has no obligation to verify any information that you provide or that is provided on your behalf, and MazumaGo is entitled to rely upon such information. In the event that you wish to revoke the authority for any person to use a MazumaGo Account in connection with a particular Bank Account, you must notify MazumaGo either through the MazumaGo platform or by contacting us through our support channels, available through https://mazumago.com.

Fees

MazumaGo will charge you fees for your use of the MazumaGo platform on a monthly basis in advance or in arrears and per transaction, as applicable and as described on the MazumaGo platform or as otherwise communicated to you in writing by MazumaGo (the “Fees”). Fees payable are non-refundable. MazumaGo may change the Fees from time-to-time and the then-current Fees will be communicated to you through the MazumaGo platform or directly in writing. Your continued use of the MazumaGo platform after the Fees have been changed constitutes your acceptance to such changed Fees.

Payment

Payment for the Fees will be debited directly from your Bank Account ("Billing Account"), you can change your billing account at any time from within the MazumaGo platform. Your right to order MazumaGo's services, use the MazumaGo platform or place transactions is subject to any limits established by your financial institution on your Bank Account.

Disputed Fees

If you believe MazumaGo has charged you incorrectly, you must contact MazumaGo no later than 45 days after having been charged MazumaGo or receiving any invoice in which the error or problem appeared in order to request an adjustment or credit. In the event of a dispute, you will pay any undisputed Fees and the Parties will discuss the disputed amounts in good faith in order to resolve the dispute.

Applicable Taxes

If MazumaGo is required by any applicable law to remit an amount for or on account of any taxes in respect of any services provided under this policy and has not collected such tax from you for remittance to the relevant tax authority, then you will pay MazumaGo the amount of such tax (including any related amount for interest and penalties) within ten (10) days of MazumaGo's written request.

Bounced Transactions

In the event that any Transfer Amount is unsuccessfully debited from your Bank Account or, in the case of a payment request, from the payor’s bank account, charged back or otherwise not paid to us, you agree to immediately reimburse MazumaGo for any fees or other amounts charged to MazumaGo by its financial institution as a result of the unsuccessful debit of your Bank Account or the payor’s bank account in accordance with your or the payor’s instructions, and to pay MazumaGo an additional fee of $30 (the “Failed Transaction Fee”).

Interest

No interest will accrue or be paid or due to you for any amount that MazumaGo may receive from you or may hold on your behalf in connection with any transaction made through MazumaGo. You will pay interest on any amounts you owe us and that are not paid when due at the rate of twenty-one percent (20%) per annum. All interest will be calculated and payable monthly, not in advance, and if applicable, both before and after demand, default and judgment.


Use of Data

MAZUMAGO HOLDINGS LTD USES THE COLLECTED DATA FOR VARIOUS PURPOSES:
  • To provide and maintain our Service
  • To notify you about changes to our Service
  • To allow you to participate in interactive features of our Service when you choose to do so
  • To provide customer support
  • To gather analysis or valuable information so that we can improve our Service
  • To monitor the usage of our Service
  • To detect, prevent and address technical issues
  • To provide you with news, special offers and general information about other goods, services and events which we offer that are similar to those that you have already purchased or enquired about unless you have opted not to receive such information
  • For advertising and marketing purposes


Transfer of Data

BUSINESS TRANSACTION

If MazumaGo Holdings Ltd is involved in a merger, acquisition or asset sale, your Personal Data may be transferred. We will provide notice before your Personal Data is transferred and becomes subject to a different Privacy Policy.

DISCLOSURE FOR LAW ENFORCEMENT

Under certain circumstances, MazumaGo Holdings Ltd may be required to disclose your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).

LEGAL REQUIREMENTS

MazumaGo Holdings Ltd may disclose your Personal Data in the good faith belief that such action is necessary to:

  • To comply with a legal obligation
  • To protect and defend the rights or property of MazumaGo Holdings Ltd
  • To prevent or investigate possible wrongdoing in connection with the Service
  • To protect the personal safety of users of the Service or the public
  • To protect against legal liability

Disclosure of Data

BUSINESS TRANSACTION

If MazumaGo Holdings Ltd is involved in a merger, acquisition or asset sale, your Personal Data may be transferred. We will provide notice before your Personal Data is transferred and becomes subject to a different Privacy Policy.

DISCLOSURE FOR LAW ENFORCEMENT

Under certain circumstances, MazumaGo Holdings Ltd may be required to disclose your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).

LEGAL REQUIREMENTS

MazumaGo Holdings Ltd may disclose your Personal Data in the good faith belief that such action is necessary to:

  • To comply with a legal obligation
  • To protect and defend the rights or property of MazumaGo Holdings Ltd
  • To prevent or investigate possible wrongdoing in connection with the Service
  • To protect the personal safety of users of the Service or the public
  • To protect against legal liability

Security of Data

The security of your data is important to us but remember that no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.

Service Providers

We may employ third party companies and individuals to facilitate our Service ("Service Providers"), provide the Service on our behalf, perform Service- related services or assist us in analysing how our Service is used.

These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

ANALYTICS

We may use third-party Service Providers to monitor and analyse the use of our Service.

GOOGLE ANALYTICS

  • Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualise and personalise the ads of its own advertising network.
  • You can opt-out of having made your activity on the Service available to Google Analytics by installing the Google Analytics opt-out browser add- on. The add-on prevents the Google Analytics JavaScript (ga.js, analytics.js and dc.js) from sharing information with Google Analytics about visits activity.
  • For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page

MIXPANEL

  • Mixpanel is provided by Mixpanel Inc.
  • You can prevent Mixpanel from using your information for analytics purposes by opting-out. To opt-out of Mixpanel service, please visit this Page
  • For more information on what type of information Mixpanel collects, please visit the Terms of Use page of Mixpanel

MICROSOFT ADVERTISING

  • Microsoft Advertising is provided by Microsoft.
  • You can prevent Microsoft Advertising from using your information for analytics purposes by opting-out. To opt-out of Microsoft Advertising services, please visit this Page
  • For more information on what type of information Microsoft Advertising collects, please visit the Microsoft Privacy Statement

PASSBASE IDENTITY VERIFICATION

HOTJAR

  • Hotjar is a technology service that helps us better understand our users' experience and this enables us to build and maintain our service with user feedback. Hotjar uses cookies and other technologies to collect data on our users' behavior and their devices (IP address, device screen size, device type, browser information, geographic location (country only), and the preferred language used to display our website).
  • Hotjar stores this information on our behalf in a pseudonymized user profile. Hotjar is contractually forbidden to sell any of the data collected on our behalf.
  • You can 'block' Hotjar from processing your information by following one of the methods on this page.
  • For further details, please see the 'about Hotjar' section of Hotjar's support site.

Children's Privacy

Our Service does not address anyone under the age of 18 ("Children").

We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your Child has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from children without verification of parental consent, we take steps to remove that information from our servers.

Contact Us

If you have any questions about this Privacy Policy, please contact us:
By email: support@mazumago.com