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User Agreement for NOUPIA Services

These are the Terms and Conditions governing your access to and use of the website www.Noupia.com and its related sub-domains, sites, services, tools, and mobile application (the "Site"). By accepting these Terms and Conditions (including the linked information herein), and by using the Site, you ("you" or the "Customer") represent that you agree to comply with these Terms and Conditions.

This User Agreement is effective upon acceptance. If you do not agree to be bound by this User Agreement, please do not access, register with or use this Site. Before you may become a Customer, you must read, agree with and accept this User Agreement and our Privacy Policy (the "Privacy Policy"). You should read this User Agreement and the Privacy Policy and also access and read all further linked information referred to in this User Agreement, such as our fees schedule.
Please note that by accepting this User Agreement, you are also accepting our Privacy Policy. So, it is important that you review the Privacy Policy as it contains further terms and conditions that apply to you as a Customer of the Site.

Customers are advised to read these Terms and Conditions carefully.

1. Description of Service

1.1. NOUPIA operates as an electronic payment service that enables Customers to make payment transactions online (the "NOUPIA Service"). On registration, Customers are allocated an online account (a "Customer Account"), which holds electronic money for use in online transactions.

1.2. All fees for use of the NOUPIA Service ("NOUPIA Fees") are set forth in the fees schedule posted on this Site and you acknowledge and agree that the NOUPIA Fees may be amended from time to time in accordance with the terms of this User Agreement. You should check the fees schedule posted on this Site regularly for any changes to the NOUPIA Fees.

1.3. Beneficial Owner: You must be the beneficial owner of the NOUPIA Account, and conduct business only on behalf of yourself.

2. Relationship

2.1. NOUPIA helps you make payments on certain third parties’ sites, platforms and applications. NOUPIA is an independent contractor and only acts as your agent with respect to the custody of your electronic User Agreement for NOUPIA Services money in your Customer Account.

2.2. You acknowledge and agree that: (i) NOUPIA is not a bank and nor is it providing banking services and/or related banking services and/or carrying out functions which are integral or closely related to banking business, nor is NOUPIA allowed to grant any form of credit; (ii) Customer Accounts are not insured by any government agency and that there is no voluntary or compulsory scheme in which NOUPIA is a member which compensates the Customer in case NOUPIA becomes unable to satisfy claims relating to your Customer Account or otherwise in relation to the NOUPIA Service; and (iii) whilst NOUPIA acts as your agent in respect of its custody of your electronic money, NOUPIA does not act as a trustee or accept any fiduciary role in respect of the electronic money in your Customer Account.

3. Registration

3.1. Eligibility: In order to be eligible for using NOUPIA services, you must be at least 18 years old or to and if less than 18 must have parental/guardian consent.

3.2. When you sign up, you are creating a NOUPIA Account unique to your provided email and phone number. During the signup process to create a NOUPIA Account, we will ask you to provide certain information. You must enter and maintain true, up to date, accurate and complete information as requested by us including, without limitation, your name, address, telephone number, date of birth and email address ("Information") in order to become and continue as a Customer.
NOUPIA may (in its sole discretion) request that you provide further information or documentation to it at any time and for any reason including, without limitation, to confirm your identity, age and/or confirm ownership of your financial instruments and you agree that you will provide such information and/or documentation promptly to NOUPIA on request. If you do not provide such information and/or documentation promptly to NOUPIA on request, NOUPIA may, without liability, limit your use of the NOUPIA Service or suspend or close your Customer Account. Further, you authorize NOUPIA to make any enquiries it considers necessary to validate and verify your identity (whether directly or through third parties) at any time for any reason at NOUPIA’s sole discretion. Each person is only entitled to open one Customer Account. If you register more than one Customer Account, NOUPIA shall contact you and ask you to identify which account is to be your Customer Account. NOUPIA shall then, without liability, close all your other accounts and transfer any balances in those other Customer Accounts into your remaining Customer Account. User Agreement for NOUPIA Services.

3.3. You are responsible for maintaining the confidentiality of, and restricting access to and use of, your user name, password and details of your Customer Account, and you accept responsibility for all activities that occur under or in relation to your user name, password and Customer Account. You agree to immediately notify NOUPIA of any unauthorized use of your user name, password or Customer Account or any other breach of security. In no event will NOUPIA be liable for any direct or indirect loss or damage whatsoever resulting from the disclosure of your user name, password and/or other Customer Account details. You agree to reimburse NOUPIA for any improper, unauthorized or illegal use of your Customer Account, whether by you or any other person. Every person who logs into the Site by entering the correct user name and password or undertakes any transaction or transfer with the correct password and Customer Account number is assumed by NOUPIA to be the rightful Customer Account holder and NOUPIA regards all related transactions and/or transfers as valid. You acknowledge and agree that NOUPIA will not reverse or refund any such transactions or transfers.

3.4. Identity Authentication: You agree to comply with all requests made by NOUPIA or any of our third-party service providers in connection with your NOUPIA Account, to identify you, authenticate your identity, or validate the source of funding to your NOUPIA Account or Transactions. NOUPIA reserves the right to close, suspend, or limit access to your NOUPIA Account and/ or NOUPIA Services in the event that we are unable to obtain or verify such Information. You authorize NOUPIA directly to make any inquiries we consider necessary to validate your identity. This may include asking you for further information, requiring you to provide your date of birth or other information or form of identity that will allow NOUPIA to reasonably identify you, including requiring you to take steps to confirm ownership of your email, phone number, or payment instruments or verifying your Information against third party databases or through other sources. NOUPIA may also request to be provided with any identifying documents at any time.

4. Adding Funds to your Account

In order to add electronic money to your Customer Account or to otherwise purchase goods and services online using the NOUPIA Service, you may choose from one or more options available depending on the country you are situated in. Please refer to the Top Up Section on the site for more details.
You hereby authorize NOUPIA to obtain or receive funds on your behalf from your chosen payment source, and for NOUPIA to deduct all necessary fees (including NOUPIA Fees as per Section 6 of this User Agreement in relation to any obtaining or receiving of such funds). You also agree to upload electronic money to your Customer Account in accordance with the directions on the Site (as may be updated or amended by NOUPIA from time to time) and you agree that you will not use any unauthorized, invalid or illegal payment method to upload electronic money to your Customer Account. User Agreement for NOUPIA Services

5. Payment

5.2. When you make a payment from your Customer Account, NOUPIA will authorize the transfer of the necessary electronic money (including all necessary fees (including any NOUPIA Fees (as defined below)) from your Customer Account. You acknowledge and agree that if there are insufficient funds in your Customer Account to make the necessary payment, NOUPIA will not authorize the payment and will cancel the transaction. NOUPIA shall not be liable for any loss, damage or liability suffered or incurred by you that results from a transaction being cancelled in the circumstances where insufficient funds in your Customer Account prevent you from making a payment.

5.3. Methods of spending Money: By spending money, you authorize and instruct NOUPIA to execute the transaction. Once you have provided your authorization for the Transaction, you will not be able to cancel it, except as provided by the applicable law. You are solely responsible for confirming the accuracy of any Transactions made by you.
5.4. NOUPIA may delay execution of your Transaction if it has a reason to believe that your Transaction may involve fraud or misconduct, or violate the applicable law, the User Agreement, or the applicable Issuing NOUPIA Policies, as determined in NOUPIA’s sole and absolute discretion.
5.5. Fraud Monitoring: NOUPIA may monitor your Transactions for the purpose of determining fraudulent activities and whether you are in good standing. NOUPIA may also decide to suspend your NOUPIA Account or limit your privileges. NOUPIA will use all available information to help combat fraud on our system.
5.6. NOUPIA maintains the right in its own discretion to define certain usage limitation on all or some NOUPIA Accounts including your account. Those limitations may include, but not limited to: - Limitations on the maximum number of payment transactions allowed within a period of time.

6. Fees

6.1. You are responsible for the payment of all NOUPIA Fees in relation to your use of the NOUPIA Service. The current NOUPIA Fees (as may be amended by NOUPIA from time to time in accordance with the terms of this User Agreement) are posted on the Site. NOUPIA fees for adding funds to your account vary based on the method used for adding funds. NOUPIA may charge you fees for maintaining your account and such fees depend on the status of your account. NOUPIA defines the following account statuses: - Dormant Account: Any account with no transactions for a time period of 120 consecutive days, is defined as Dormant Account. - Inactive Account: Any account with no transactions for a time period of 366 consecutive days is defined as Inactive account and as the account.

6.2. Prior to registering as a Customer, and prior to carrying out any transactions using the NOUPIA Service, you should review the NOUPIA Fees. All NOUPIA Fees are due and payable immediately and shall be deducted by NOUPIA by automatic debit from your Customer Account. All NOUPIA Fees are in US Dollars unless otherwise stated on the Site. NOUPIA may, without liability, charge you a correction fee if incorrect payment details are provided to us by you. Please note that you are responsible for the payment of all applicable taxes, duties or other charges in relation to your use of the NOUPIA Service.

7. Restricted Activities

7.1. You acknowledge and agree that you will not use the NOUPIA Service: (a) to pay for any illegal material whatsoever including, without limitation, illegal downloads; (b) to pay for any goods and/or services which infringe the intellectual property or other proprietary rights of any third party; and/or (c) for, or in relation to, any illegal purpose or criminal activity of any nature.
7.2. You acknowledge and agree that NOUPIA will report any suspicious activity to the relevant authorities. NOUPIA may without liability: (a) apply such prevention and detection procedures as it deems necessary; (b) suspend or close any Customer Accounts; and/or (c) cancel or refuse to carry out any transactions, if NOUPIA, in its sole discretion, suspects that you are using your Customer Account or any aspect of the NOUPIA Service for unlawful purposes or your Customer Account is otherwise being used for unlawful purposes.
7.3. In connection with your use of the Site, your Customer Account and the NOUPIA Service, or, otherwise, in the course of your interactions with NOUPIA, another NOUPIA Customer, a NOUPIA Members or any other third party, you will not: (a) Breach this User Agreement, the Privacy Policy or any other policy on the Site; (b) Violate any laws or regulations, third party rights or our policies including, but not limited to, any use or attempted use of your Customer Account for illegal and/or fraudulent purposes; (c) Infringe NOUPIA or any third party's copyright, patent, trademark, trade secret or other intellectual property rights, or rights of publicity or privacy.
7.4. You warrant that you are not violating any applicable laws or regulations by your use of the Site, your Customer Account and/or the NOUPIA Service, and you agree to defend, indemnify and hold NOUPIA, its directors, employees, agents and affiliates harmless from any claim, demand (including legal fees and costs), fines, penalties or other liability made or incurred by NOUPIA, any other CASHU customer or any third party due to or arising out of your breach of this warranty.
7.5. If we have reason to believe that you have engaged in any of the restricted activities as set out above, we may take various actions to protect NOUPIA, and other NOUPIA customers, any third party or you from fees, fines, penalties and any other liability. The actions we may take include but are not limited to the following: (a) Suspending or closing your Customer Account for as long as we believe to be reasonably necessary; (b) Applying, at our sole discretion, prevention and detection procedures and refusing the execution of transactions if there are grounds to suspect that a Customer Account is being or may be used for illegal purposes; or (c) Taking further steps as NOUPIA in its sole discretion may deem necessary including taking legal action against you.
7.6. If we close your Customer Account, we will provide you with a notice of our actions. If we suspend your Customer Account, we will provide you with notice of our actions and the opportunity to request restoration of access, if and when appropriate. Any restoration of access shall be at NOUPIA’s discretion.

8. Suspension of Customer Accounts.

8.1. You may request that NOUPIA close your Customer Account at any time by contacting NOUPIA Customer Support. Contact details for the NOUPIA Customer Support are on the Site. Closure of your Customer Account will not cancel any transactions that you have already undertaken, including those which are still to be paid for from your electronic money in your Customer Account.
8.2. NOUPIA at its sole discretion may close a Customer Account at any time upon at least one (1) week notice to the Customer and will contact the Customer to arrange for the return of any electronic money in your Customer Account. This is without prejudice to any other rights or remedies of NOUPIA under this User Agreement or otherwise. NOUPIA may suspend your Customer Account at any time without notice if involved or suspected of involvement in fraudulent or illegal activities. User Agreement for NOUPIA Services
8.3. If you do not log in to your Customer Account for more than six (6) months, and there are no funds in your Customer Account, NOUPIA may suspend your Customer Account. If your account is suspended, you should contact NOUPIA Customer Support to reactivate your Customer Account. NOUPIA will reactivate your Customer Account at its sole discretion.
8.4. NOUPIA may, at any time, at its sole discretion, discontinue your use of your Customer Account or the NOUPIA Service or any part thereof. NOUPIA shall endeavor to provide notice of any such discontinuation of your Customer Account or the NOUPIA Service. You agree that NOUPIA shall not be liable to you or any third party in relation to any inability for you to access to your Customer Account or the NOUPIA Service or any part thereof.



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