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Web Directory | Zambia-Online.com | Website Guidelines | Payment Rules
  Payment Terms

When you make payments to/through Zambia Online Directory, you agree to these Payments Terms:-

1 Making Ad Package Purchases

1.1 You confirm an advertising transaction with Zambia Online Directory through creating your ad-monitoring or advertiser admin account at http://advertising.zambia-online.com, which is a sub-domain on the same server housing Zambia Online Directory.

1.2 You agree to abide by the general Advertising Terms.

2 Payment Modes

2.1.0 For your convenience, we allow you to make payments using a number of different payment methods such as PayPal, MoneyBookers, 2CheckOut, credit card, debit card, online/international bank transfer, cheque/money order, local/Zambian bank tranfer, cheque/money order or cash.

2.1.1 When you provide a payment mode to us, you invariably confirm that you are permitted to use that payment source. Additionally, you authorize us to collect and store it, along with other related transaction information.

2.1.2 When you make a payment, you authorize us (and our designated payment processes) to charge the full amount to the payment mode you designate for the transaction.

2.1.3 If you pay by credit or debit card we may obtain a pre-approval from the issuer of the card for an amount up to the amount of the purchase. We will bill your card at the time of purchase or shortly thereafter. If you cancel a transaction before completion, that pre-approval may result in your funds not otherwise being immediately available.

2.1.4 If you pay by debit card and your payment results in an overdraft or other fee from your bank, you alone are responsible for that fee.

3 Purchasing and Using Credits

3.1.0 As part of our effort to keep Zambia Online Directory safe, we may take certain actions to reduce liability for users and us.

3.1.1 We may make any inquiries that we consider necessary, either directly or through third parties, concerning your identity and creditworthiness.

3.1.2 We may cancel any transaction if we believe the transaction violates these Payments Terms or the Terms of Use, or if we believe doing so may prevent financial loss.

3.1.3 We may place a delay on a payment for a period of time, limit payment sources for a transaction, limit your ability to make a payment or deactivate your account if we believe doing so may prevent financial loss.

3.1.4 We may contact your payment source issuer, law enforcement, or impacted third parties (including other users) and share details of any payments you are associated with if we believe doing so may prevent financial loss or a violation of law.

3.1.5 We may cancel any credits transferred, assigned, or sold in violation of these Payments Terms or the Terms of Use.

3.1.6 If a payment for your purchased advertising fails, or your payment method fails or if there are payments due on your account, we may take steps to collect past due amounts using other collection mechanisms. You agree to pay all expenses associated with such collection, including reasonable attorneys' fees.

4 Disputes and Reversals

4.1 If you believe that an unauthorized or otherwise problematic payment transaction has taken place under or with your account, you agree to notify us immediately, so that necessary action may be taken to prevent financial loss.

4.2 To the fullest extent permitted by law, you waive all claims against us related to payments unless you submit the claim to us within 30 days after the charge.

4.3 You are responsible for and agree to reimburse us for all reversals, charge-backs, claims, fees, fines, penalties and other liability incurred by us (including costs and related expenses) that were caused by or arising out of payments that you authorized or accepted.

4.4 Your only remedy for a technical failure or interruption of service is to request that your transaction be completed at a later time.

4.5 Zambia Online Directory's liability for any legal/financial claim is limited to amounts of money paid/exchanged only, and any demands for damages shall not exceed involved amount(s). In the absence of any monetary transaction having taken place, Zambia Online Directory shall have no monetary liability.

5 Special Provisions Applicable to Advertisers

5.1 When you purchase advertising on or through Zambia Online Directory, you agree to pay all amounts specified in the order, along with any applicable taxes.

5.1 You are responsible for maintaining the security of your advertising account, and you understand that you will be charged for any orders placed on or through your advertising account.

5.1 You can cancel an advertising order at any time through our online portal, but your ads may run for several days after you notify us, and you are still responsible for paying for those ads.

5.1 Your order constitutes your written authorization for us to obtain your personal and/or business credit report from a credit bureau. We may obtain your credit report when you place an order, or at any time thereafter.

6 Notices and Amendments to These Payments Terms

6.1 We may provide notices to you by posting them on our website, or by sending them to an email address or street address that you previously provided to us. Website and email notices shall be considered received by you within 7 days of the time posted or sent; notices by physical mail shall be considered received within 15 business days of the time sent.

6.2 Except as otherwise stated, you must send notices to us relating to payments and these Payment Terms using the contact form or via the contact link in your advertiser's admin account.

6.3 The Payment Terms in place at the time you confirm a transaction will govern that transaction.

6.4 We may change these Payment Terms, in whole or in part, even though the changes may affect accumulated credits. All amendments to these Payment Terms will be made known on this page at the material time, or within 24 hours, and the page will alwayxs contain information about when its contents were last updated.

7 Miscellaneous Provisions

7.1 All of the commitments you make in the Zambia Online Directory Terms of Use apply to payments through Zambia Online Directory. In the event of any conflict between these Payments Terms and the Zambia Online Directory Terms of Use, these Payments Terms shall prevail.

7.2 If you are under the age of 18, you may make payments only with the involvement of a parent or guardian. You should review these Payments Terms with a parent or guardian to make sure that you both understand them.

7.3 "Us," "we," "our," "claim" and "Zambia Online Directory" mean the same as they do in the Terms of Use.

7.4 Some countries may restrict or prohibit your ability to make payments through Zambia Online Directory. Nothing in these Payments Terms should be read to override or circumvent any such foreign laws.

7.5 For fuller  information about our practices, see also our Terms of Use, Privacy Policy and our Legal Policy. If you have additional questions needing clarification, please contact us any time. Otherwise, please write to us at: P.O. Box 32041, Lusaka, Zambia.

Last Update: January 18, 2010

Zambia Online Directory


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