Gojjochat Terms of Use

Effective Date: January 10, 2025

These Terms of Use (the “Terms”) form a legally binding agreement between you (“you” or the “User”) and Gojjochat (“we,” “us,” “our”), operated by GibeTechnologies in Addis Ababa, Ethiopia. By accessing or using any of Gojjochat’s services—including website, mobile apps, APIs, electronic wallet, peer-to-peer transfers, e‑commerce features, messages, content sharing, and related services (the “Services”)—you agree to these Terms, our Privacy Policy, and all additional rules and policies.

1. Eligibility & Account Registration

1. You must be at least 18 years old and legally capable of entering this agreement.

2. Accurate account information is required; you are responsible for maintaining its confidentiality and security.

3. Two-factor authentication (2FA) is required for wallet features; failure to secure your account may result in financial loss, for which you are responsible.

2. Practical Summary

• 1. Advertising – Our Services may include promotions or third-party advertising.

• 2. Content Compliance – Follow our rules and all applicable laws when posting or using others’ content.

• 3. Service Use Rules – Use only official, available means to access Gojjochat; scraping or abuse is prohibited.

• 4. Enforcement – We may remove content, limit visibility, suspend, or terminate your account for violations.

• 5. IP Rights – You own your content but grant us a license to host, distribute, and use it.

• 6. Risk & Availability – Services are provided "AS IS" without warranties; we may change or discontinue features.

• 7. Liability Limits – Our liability to you is limited; see Section 6 below.

3. Wallet, Payments & Commerce

3.1 Wallet Use

• You must comply with identity verification (e‑KYC) and anti-money-laundering (AML) procedures as required.

• Wallet is strictly for authorized transactions within Gojjochat or with our approved merchants and payment providers.

3.2 Deposits & Withdrawals

• Funds may be added (“deposited”) to your wallet using bank transfers, mobile money, or other supported methods.

• Withdrawal (“cashing out”) is allowed via supported external channels; we may impose fees and limits, enforce hold periods, or require verification.

3.3 Peer-to-Peer (P2P) Transfers

• You can transfer wallet funds to other verified Gojjochat users.

• Fraudulent or unauthorized transfers may result in legal action, immediate reversal, or account suspension.

3.4 Purchases

• You may purchase goods, services, or digital content from merchants via wallet funds.

• Merchant terms (e.g., return/refund policies) apply; Gojjochat is not liable for merchant performance.

3.5 Fees, Limits, Holds

• GibeTechnologies may impose transaction limits, fees, holds, or verification steps to manage risk, regulatory compliance, or system integrity.

3.6 Transaction Records

• Users can view transaction history in-app or on the website.

• Suspicious transactions may be investigated; we report activities to authorities when required by law.

3.7 Regulatory Compliance

• You agree to provide requested KYC/AML information and consent to automated monitoring.

• Non‑compliance may lead to transaction refusal, wallet restriction, or account termination.

3.8 Disputes & Refunds

• Transaction disputes must be submitted within 30 days.

• For issues with payments, merchant goods, or other transactions, our dispute resolution process applies.

3.9 Taxes, Currency, Exchange

• You are responsible for all applicable taxes such as VAT or income tax.

• Wallet balances tied to foreign currencies are subject to publicly displayed exchange rates and conversion fees.

4. User Content & Conduct

• You retain ownership of what you post, but you grant Gojjochat a broad, royalty‑free license to use, distribute, and transform your content globally.

• You warrant that your content is lawful and does not infringe rights.

• We are not responsible for third-party content; we may remove or restrict content that violates these Terms or applicable law.

5. Prohibited Activities

• Do not:

  • Scrape, hack, reverse-engineer, spam, or disrupt Gojjochat.”

  • Use the wallet for illegal purposes, money laundering, or terror financing.

  • Provide misleading identity to comply with verification standards.

  • Circumvent fees, limits, holds, or restrictions we impose.

  • Posting or promoting any unapproved drugs or medical products, including but not limited to prescription medications not approved by the FDA or equivalent agencies.

6. Disclaimers & Liability

• AS IS / AS AVAILABLE – We disclaim all warranties.

• Liability Cap – Our total liability shall not exceed the greater of 100 USD (or equivalent) or amounts you paid in the previous six months linked to your claim.

• No Indirect Damages – We are not liable for indirect, special, incidental, or consequential damages.

• Liquidated Damages – If you violate high-volume access rules or other terms, you may owe ETB 18,000,000 per 500,000 improperly accessed posts (a genuine pre-estimate, not penalty).

7. Enforcement

We may:

• Remove or restrict content or features

• Enforce holds on wallet activity

• Suspend, terminate, or ban accounts

• Pursue legal action when required

8. Modifications

• We may update these Terms; material changes will be communicated reasonably (e.g. via email or notification).

• Continued use after changes indicates your acceptance.

9. Governing Law & Disputes

• Governing Law: Federal Democratic Republic of Ethiopia.

• Jurisdiction: Court of Addis Ababa or other competent Ethiopian courts.

• Time Limit: Claims must be filed within one year of the incident.

• U.S. public-sector entities may substitute Texas law and U.S. jurisdiction as applicable.

10. Survival

Sections 3 (Wallet), 5 (Prohibited Activities), 6 (Liability), 8 (Modifications), 9 (Governing Law), and other provisions that should logically survive will remain in effect after termination.

11. Contact & Notices

• Email: unistore572@gmail.com

• Website: https://gojjochat.com/contacts

• Use our reporting channels for content or transaction disputes.

12. Additional Professional Enhancements

• Force Majeure: We are not responsible for failures due to events beyond our control (e.g. strikes, cyber-attacks, infrastructure outages).

• Indemnification: You agree to indemnify us from claims arising from your use, transaction, or content.

• Severability: If a term is invalid, it will be adjusted rather than voided.

• Assignment: We may assign these Terms; you may not transfer your rights without consent.

• Waiver: Our failure to enforce a right does not waive it.

• No Partnership: Using the Services does not establish partnerships, joint venture, or employment relationships between you and us.