{
  "app": {
    "name": "remita-website",
    "welcome-remitawebsite": "Welcome remita-website!",
    "login-page": {
      "select-login": "Continue with remita",
      "personal-or-sme": "Personal/SME",
      "corporate": "Corporate",
      "username": "Username ",
      "password": "Password ",
      "email": "Email ",
      "organization-ID": "Organization ID (Optional)",
      "button": "Sign in",
      "forgot-password": "Forgot Password?",
      "sign-up": " Sign up",
      "no-account": "Don't have an account? ",
      "status-msg": "Status Message"
    },
    "promo-popup": {
      "teaser-alt": "The Dangote IPO is coming to our Mobile app. Are you ready? Available from 14th September, 2026. Download now.",
      "launch-alt": "Dangote Petroleum Refinery — the IPO for the people. Available on the Remita app. Subscribe now.",
      "teaser-cta": "Download now",
      "launch-cta": "Subscribe now"
    },
    "general": {
      "get-started": "Get started",
      "empty": "",
      "asterix": "*",
      "naira": "₦",
      "nig-code": "+234",
      "country-two-code": "+999",
      "country-three-code": "+222",
      "delimiter": "|",
      "nigeria": "NGN: Nigerian Naira",
      "website": "Website",
      "cancel": "Cancel",
      "save": "Save",
      "hash": "#",
      "drop-your-file": "Drop your file here to upload or select from storage",
      "back": "Back",
      "continue": "Continue",
      "ghana": "Ghana",
      "default-amount": "0.00"
    },
    "pages": {
      "terms-and-agreement": {
        "title": "Remita Personal - Privacy policy",
        "rpsl-shall-not": "RPSL shall not be in breach of its obligations under this Agreement or be responsible for any delay in carrying out its obligations if performance is prevented or delayed wholly or in part as a consequence of force majeure. Force majeure means any circumstance beyond the reasonable control of RPSL including but not limited to acts of war, state or national emergency, strike, rebellion, insurrection, government sanctions, actions of regulatory or supervisory authorities, accident, power failure, internet and communication link failure, fire, earthquake, flood, storm, tornadoes, hurricane, or any other act of God or any technical failure caused by devices, matters or materials.",
        "force-majeure": "19.0 Force Majeure",
        "these-remita-functions": "These Remita functions are subject to continuous technological improvement and consequently may change. All changes to Remita functions and services shall be published by RPSL from time to time on the website www.remita.net All such published changes shall form part of this Agreement .",
        "improvement-and-changes": "18.0 Improvement And Changes",
        "this-agreement-shall": "This Agreement shall be governed by and interpreted according to the laws of the Federal Republic of Nigeria and shall be subject to the exclusive jurisdiction of Nigerian courts.",
        "applicable-law": "17.0 Applicable Law",
        "this-agreement-and": "This agreement and any documents referred to herein constitute the entire agreement between the parties and supersede any and all prior agreements between the parties, whether oral or written, with respect to the subject matter thereof.",
        "entire-agreement": "16.0 Entire Agreement",
        "each-of-the": "Each of the Parties acknowledge that it is acting as an independent contractor, and each Party has the sole right and obligation to supervise, manage, direct, procure, perform, or cause to be performed, all work or other obligations to be performed by such Party under this agreement.",
        "the-nonspecification-of": "The non-specification of a particular legal or equitable remedy shall not be construed as a waiver, prohibition or limitation of any legal or equitable remedies in the event of a breach of any of the clauses.",
        "our-failure-to": "Our failure to act with respect to a breach by you or others does not amount to a waiver of our right to act with respect to subsequent or similar breaches",
        "headings-are-for": "Headings are for reference purposes only and in no way define, limit, construe or describe the scope or extent of such section(s).",
        "you-agree-that": "You agree that this Agreement and all incorporated agreements may be automatically assigned by Remita to a third party in the event of a merger or acquisition",
        "if-any-provision": "If any provision of this Agreement is held to be invalid or unenforceable, such provision shall be struck out and the remaining provisions shall be enforceable",
        "that-you-are": "That you are an adult, eligible to operate banking services and that you are not under any contractual inhibition known to your national or international law",
        "you-represent-that": "You represent that you have the capacity to enter into this Agreement",
        "general": "15.0 General.",
        "your-nonuse-of": "Your non-use of our platform for an extended period does not terminate this contract. Any monies due and payable by you to us before, during or after the period of your passivity shall remain payable and become due immediately upon your reactivation. Termination or non-use shall not relieve the continuing obligations under this Agreement, including but not limited to the requirements in Clauses (3.5) Indemnification, (6.3) Access and Interference, and (9) Trademarks and other intellectual Proprietary Rights of this Agreement",
        "extended-nonuse": "14.0 Extended Non-Use",
        "if-at-any": "If at any time the Parties are unable to amicably resolve any dispute(s) through negotiated settlement or mediation, either party shall refer the matter to be finally settled by arbitration in accordance with the Arbitration & Conciliation Act, Cap A18, Laws of the Federation of Nigeria (LFN) 2004. The arbitration shall take place in Lagos, Nigeria and be conducted in English Language. . If the parties fail to agree on the Arbitrator, the Arbitrator shall be appointed by the President of the Chartered Institute of Arbitrators UK (Nigeria Branch). Each Party will bear its costs save for joint costs which will be borne jointly.",
        "arbitration": "13.2 Arbitration",
        "in-the-event": "In the event of a dispute arising between you and RPSL, our goal is to provide you with a neutral and cost effective means of resolving the dispute quickly. In the event of any dispute, the Parties shall seek to resolve any such dispute amicably between themselves or through a negotiated settlement and in the event of their inability to resolve the dispute as aforesaid, the parties shall explore a mediated settlement with both Parties appointing one(1) Mediator who shall act as a catalyst for resolution",
        "negotiated-settlement-or": "13.1 Negotiated Settlement Or Mediation",
        "dispute-resolution": "13.0 Dispute Resolution",
        "we-may-amend": "We may amend this Agreement at any time by notice to you or posting the amended terms on www.remita.net. All amended terms shall be effective thirty (30) days after notice or posting on the website.",
        "amendment": "12.3 Amendment",
        "notice-posted-to": "Notice posted to our website shall be deemed received upon your visit to our site or your first logDebug-in subsequent to the posting.",
        "a-notice-by": "A notice by email shall be deemed received by the other party, once the email is sent, unless the sending party is aware that the email was not received",
        "notices-by-us": "Notices by us to you may be placed on our website, remita.net or sent to your email address registered with us",
        "notices-from-you": "Notices from you to RPSL shall be by email from you to This email address is being protected from spambots. You need JavaScript enabled to view it",
        "notice-procedure": "12.2 Notice Procedure",
        "you-may-print": "You may print a copy of any Notice and retain it for your records. All Notices in either electronic or paper format will be considered to be in \"writing and to have been received and shall become effective thirty (30) days after being posted or placed on our website\"",
        "you-agree-that-these": "You agree that these Terms and Conditions constitute \"an Agreement duly signed or executed by \"you\" under any applicable law or regulation. To the fullest extent permitted by applicable law, this Agreement and any other agreements, notices or other documents regarding your account and/or your use of the Service, may be provided to you electronically and you agree to receive all Notices from RPSL in electronic form.\"",
        "notices": "12.1 Notices",
        "notices-and-amendment": "12.0 Notices And Amendment",
        "if-any-specific": "If any specific term or condition violates the law, that term alone shall stand severed or amended as far as is necessary to comply with the law",
        "you-shall-comply": "You shall comply with all applicable Nigerian laws, and regulations, regarding your use of our Services",
        "legal-compliance": "11.0 Legal Compliance",
        "you-may-not": "You may not transfer any rights or obligations you may have under this Agreement without our prior written consent. We reserve the right to transfer this Agreement or any right or obligation under this Agreement without your consent, and we will notify you via our websites, social media and other media",
        "assignability": "10.0 Assignability",
        "neither-this-agreement": "Neither this Agreement, nor your use of Remita will convey title or any interest or rights in RPSL' intellectual property rights",
        "remita-remita-net": "Remita, Remita.net and all logos, products, services or other content on www.remita.net or other mobile download platforms are the intellectual property of RPSL, or its licensors, and may not be copied, imitated or used, in whole or in part, without the prior written permission of RPSL. In addition, all page headers, custom graphics, button icons, and scripts are service marks, trademarks, and/or trade dress of Remita and may not be copied, imitated, or used, in whole or in part, without the prior written permission of RPSL",
        "trademarks-and-other": "9.0 Trademarks And Other Intellectual Proprietary Rights",
        "by-the-nature": "By the nature of this Agreement, the parties may have access to information that is confidential to one another, such confidential information shall include the parties' business methods, salary structure, marketing strategies, pricing, competitor information, and all other information designated as confidential by either party. Each party agrees to maintain the confidentiality of such information and to protect the other party's confidential information by using all reasonable efforts to prevent any unauthorized copying, use, distribution, installation or transfer of possession of such information",
        "confidentiality": "8.0 Confidentiality",
        "in-the-event-of": "In the event of any service delay or failure, we shall take necessary steps to ensure speedy service restoration and reduce to the barest minimum the extent of such service failures. However we shall not be liable to you for any loss or damage.",
        "we-warrant-that": "We warrant that the service will in all material respects, deliver on the agreed terms herein. Should the service be disrupted to such an extent that there is likely to be an adverse effect to the service provided, we will endeavor to notify you of such within a reasonable time",
        "warranty-and-service": "7.0 Warranty And Service Disruption",
        "by-consenting-to": " By consenting to this Agreement, you also consent to our privacy policy",
        "we-view-the": "We view the protection of users' privacy as a very important principle. We understand clearly that you and your Information are one of our most important assets. We store and process your Information on computers that are protected by physical as well as technological security devices. We do not give your personal information to third parties for marketing purposes without your consent. You may object to your information being used in this way and thereby opt out from using our Services. Please ensure that you read our privacy policy available on www.remita.net",
        "privacy-and-security": "6.5 Privacy And Security",
        "your-use-of": "Your use of Remita is deemed by us to constitute abuse of the electronic payment system or electronic payment rules, including (without limitation), using the Remita system to test Remita card behaviours",
        "iv-we-believe": "We believe that your actions may cause financial loss or legal liability for you, our users or us; or",
        "iii-we-believe": "iii. We believe that your account or activities pose a significant fraud risk to us;",
        "ii-we-are": "ii. We are unable to verify or authenticate any information you provide to us;",
        "i-you-breach": "i. You breach this Agreement or the documents it incorporates by reference;",
        "without-limiting-other": "Without limiting other remedies available to us, we may verify inaccurate or incorrect information you provide to us, contact you by means other than by electronic means, immediately warn our community of your actions, limit access to an account and any or all of the account's functions (including but not limited to the ability to send money or make payments), limit activities, indefinitely suspend or close your account, terminate this Agreement and refuse to provide our Services to you if:",
        "our-remedies-and": "6.4 Our Remedies And Right To Terminate Or Restrict Your Activities",
        "you-agree-that-you": "You agree that you will not use any robot, spider, other automatic device, or manual process to monitor or copy our web pages or the content contained herein without our prior express written permission. You agree that you will not use any device, software or routine to attempt to interfere with the proper working of the Remita site or any activities conducted on our site. You agree that you will not take any action that imposes an unreasonable or disproportionately large load on our infrastructure. Most of the information on our site is proprietary or is licensed to us. You agree that you will not copy, reproduce, alter, modify, create derivative works, publicly display or frame any content from our website without our prior express written permission.",
        "access-and-interference": "6.3 Access And Interference",
        "ix-create-liability": "ix. Create liability for us or cause us to lose (in whole or in part) the services of our ISP's or other suppliers. If you use, or attempt to use the Service for purposes other than sending and receiving payments, managing your account and the services listed in clause 1.0 above, including but not limited to tampering with, hacking, modifying or otherwise corrupting the security or functionality of the Service, your account will be terminated and you will be subject to claims for damages and other lawful penalties, including criminal prosecution where applicable.",
        "viii-contain-any": "viii. Contain any viruses, Trojan horses, worms, time bombs, cancel bots, easter eggs or other computer programming routines that may damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or other personal information; or",
        "vii-be-obscene": "vii. Be obscene or contain child pornography;",
        "vi-be-defamatory": "vi. Be defamatory, libelous, unlawfully threatening or unlawfully harassing;",
        "v-violate-any": "v. Violate any law, statute, ordinance, contract or regulation (including, but not limited to, those governing financial services, consumer protection, unfair competition, antidiscrimination, or false advertising);",
        "iv-infringe-on": "iv. Infringe on any third party's copyright, patent, trademark, trade secret or other property rights or rights of publicity or privacy;",
        "iii-be-related": "iii. Be related in any way to terrorism and/or criminal activities, including but not limited to payment or the acceptance of payments for unauthorised firearms or weapons;",
        "ii-be-fraudulent": "ii. Be fraudulent or involve the sale of counterfeit or stolen items;",
        "i-be-false": "i. Be false, inaccurate or misleading;",
        "you-agree-that-your": "You agree that your information and your activities (including your payments and receipt of payments) through our Service shall not:",
        "restricted-activities": "6.2 Restricted Activities",
        "using-the-remita": "Using the Remita service to make or receive payments for any narcotics, other controlled substances, steroids or illicit drugs",
        "support-services": "4.0 Support Services.",
        "rpsl-has-a": "RPSL has a dedicated support unit manned by highly experienced and professional personnel. Customer support issues are managed through a Customer Relationship Management (CRM) system. Customer complaints made through our dedicated email and telephone lines are logged and monitored until a resolution is achieved. Our support team is always available to receive enquiries on weekdays, weekends and public holidays. All support related enquiries should be routed via the email This email address is being protected from spambots. You need JavaScript enabled to view it. or telephone number (+234) 700-4-REMITA (0700-7-877678). Contact details are also displayed on the 'Contact' section of our website at www.remita.net, which may be updated from time to time.",
        "four-dot-1": "4.1 Standard Support Services",
        "standard-support-services": "Standard Support Services provided by us are as listed below and are covered by your transaction fees and do not attract any further charges.",
        "processing-of-your": "4.1.1 Processing of your application to use the system including the creation of your login details and activation of your Remita profile.",
        "initial-setup-of": " 4.1.2 Initial Setup of your profile on the system.",
        "required-support-to": "4.1.3 Required support to ensure successful execution of your payment instructions.",
        "deployment-of-application": "4.1.4 Deployment of application updates and patches. 4.1.5 Telephone and e-mail support services in response to your queries.",
        "telephone-and-email": "4.1.5 Telephone and e-mail support services in response to your queries.",
        "extended-support-services": "4.2 Extended Support Services For Corporate Users.",
        "upon-your-request": "Upon your request, we are also able to provide additional services which are charged separately. Our extended support services include:",
        "four-dot-2-1": "4.2.1",
        "consultancy-services-requiring": "Consultancy Services requiring our physical presence in your office or any designated location indicated by you. Please note that, we are able to provide consulting services to you under the following terms and conditions.",
        "i-your-nominated": "i. Your nominated representative shall be available for the assignment 100% of the time, give highest priority to tasks, activities and issues relating to the assignment and adhere to schedules and provisions of this Agreement.",
        "ii-you-will": "ii. You will accomplish all data entry tasks, either by being directly involved in entering data required or by mobilizing necessary clerical support.",
        "iii-you-shall-provide": "iii. You shall provide reasonable and appropriate office space for our consultants, with internet access and assure their access to a meeting room, before the assignment will commence and throughout the engagement.",
        "iv-the-consultancy": "iv. The consultancy services shall attract a fee payable before resource persons are deployed to your location.",
        "four-dot-2-2": "4.2.2",
        "audit-and-investigative": "Audit and Investigative support services: Where our services are required to support your internal or external auditors, regulatory or law enforcement agencies, we shall work with you to determine the level of work required, agree on the scope, work plan and applicable charges for the assignment.",
        "four-dot-2-3": "4.2.3.",
        "bespoke-development-and": "Bespoke Development and Interfaces as may be requested by you: We shall work with you to determine the level of work required, agree on the scope, work plan and applicable charges for the assignment.",
        "four-dot-two": "4.2.4.",
        "training-services-on": "Training Services on Remita will be based on the following conditions which shall govern your request for training before, during and/or after your commencement of the use of Remita:",
        "i-you-shall": "i. You shall register your nominees online at www.remita.net",
        "ii-you-shall": "ii. You shall notify us about cancellations of nominations at least five (5) days prior to course start dates.",
        "iii-you-shall": "iii. You shall pay us the total training fees at least seven (7) working days before commencement of any training course.",
        "iv-you-shall": "iv. You shall be responsible for the transportation and accommodation of your nominees throughout the period of the course.",
        "v-your-nominees": "v. Your nominees shall be available for scheduled training courses between our official training hours of 9.00 am and 4.00 pm.",
        "vi-you-shall": "vi. You shall be responsible for the absence, withdrawal, or non-active participation of your nominees at our training courses.",
        "vii-you-shall": "vii. You shall, through your nominees, ensure that our copyright in our training materials is protected.",
        "fees": "5.0 Fees",
        "the-processing-fees": "The processing fees payable for our services are as displayed on your Remita profile screen during transaction processing or as stated below. The fees are computed per record and charged alongside each batch of transactions that you process. The fees payable for our services are:",
        "i-collections-of": " i. Collections: 2.0% of transaction value subject to a maximum of ₦2,500 per transaction. Fees for payment of educational institutions is N300 per transaction.",
        "ii-payroll-setup": "ii. Payroll Setup: ₦500 per employee (payable only at the first time of enrolling an employee).",
        "iii-payroll-processing": "iii. Payroll Processing (Employee or Pensioner): ₦250 per transaction.",
        "iv-payment-of": "iv. Payment of Salaries and Pensions: ₦100 per transaction.",
        "v-payment-to": "v. Payment to Vendors and other 3rd parties: ₦100 per million, subject to a maximum of ₦5,000 per transaction.",
        "vi-direct-debit": "vi. Direct Debit/ Standing Order: ₦100 per transaction.",
        "vii-schedule-delivery": "vii. Schedule Delivery: ₦2,500 per Schedule per Recipient.",
        "viii-self-service": "viii. Self Service: ₦50 per employee per month.",
        "ix-performance-appraisal": "ix. Performance appraisal: ₦50 per employee per month.",
        "x-claims-processing": "x. Claims processing: ₦50 per employee per month",
        "xi-leave-per": "xi. Leave: ₦50 per employee per month",
        "the-above-fees": "The above fees are computed and charged alongside each batch of transactions that you process. Any disparity between the fees stated herein and the fees stated on your Remita Profile Screen will be resolved in favour of the fees stated on your Remita Profile Screen during transaction processing.",
        "fees-for-extended": "5.1 Fees For Extended Support Services.",
        "consultancy-audit-and": "5.1.1 Consultancy, audit and investigative support services are charged at ₦100,000 per Consultant per day, regardless of time spent, up to a maximum of 8 hours per day. This fee covers our Consultant's time and expertise spent on the assignment. It excludes reimbursable expenses for logistics, travel, hotel accommodation and other incidentals outside Lagos; report production, stationeries, and photocopying which are charged separately.",
        "user-administration-requests": "5.1.2 User Administration requests are charged at ₦10,000 per amendment request",
        "customization-andor-integration": "5.1.3 Customization and/or integration charges are specified per project, and will be determined at the time of scoping the work, as the scope of work involved may vary",
        "the-fees-for": "5.1.4 The fees for our Training services are published alongside our Training schedules on our website. Payment for all our extended services shall be upfront and paid in full.",
        "fees-exclusive-of": "5.2 Fees Exclusive Of Taxes",
        "all-fees-and": "All fees and charges quoted in this Agreement exclude any applicable taxes, which will be chargeable at the prevailing rate. You will be responsible for the payment of any taxes imposed by any governmental taxing authority on the amounts you are liable to pay to us under this Agreement, including, but not limited to, withholding taxes of whatever nature. If any deductions or withholdings are required by law to be made from the fees payable to us, you agree to promptly pay such Withholding Taxes and obtain and deliver to us proof of payment of such Withholding Taxes together with official evidence thereof issued by the governmental authority concerned, sufficient to enable us support a claim for a tax credit in respect of any sum so withheld. If we are unable to obtain such tax credit due to your failure to comply with the above provision, then you agree to pay to us a sum equal to the amount of the tax credit we are not able to claim as a result of your failure.",
        "change-of-fees": "5.3 Change Of Fees",
        "rpsl-reserves-the-right": "RPSL reserves the right to change the processing fees as well as the fees for extended support services. Notices of such changes shall be communicated in line with the provisions of Clause 12.1 of this Agreement",
        "discount-and-incentives": "5.4 Discount And Incentives",
        "rpsl-reserves-the": "RPSL reserves the right to vary the applicable transaction fee for any service consummated on the Remita platform, for any reason whatsoever including incentives, discounts, and promotion activities. In every instance, the applicable transaction fee shall be displayed to you just before the transaction is consummated, and we shall inform you accordingly in accordance with the terms of this Agreement.",
        "in-respect-of": "In respect of discounts and/or any promotion on any service, the applicable terms guiding any specific discount, incentive or promotion activity shall be communicated to you through any medium we deem reasonable, and/or expedient, such as your registered email address, and you agree to abide by such terms.",
        "use-policy": "6.0 Use Policy",
        "acceptable-use-policy": "6.1 Acceptable Use Policy",
        "the-following-activities": "The following activities constitute a violation of the Acceptable use of Remita",
        "six-dot-one-one": "6.1.1",
        "using-the-remita-service": "Using the Remita service to make or receive payments for any illegal, fraudulent, immoral or otherwise socially reprehensible purpose.",
        "six-dot-one": " 6.1.2",
        "terms-of-use": "Terms of Use Agreement",
        "you-must-read": "You must read, agree with, and accept the terms and conditions contained in this Agreement, before you may become a corporate or individual user of Remita platform or mobile application. The onus is on you to access www.remita.net to view the Remita Terms and Conditions, as well as any amendments made thereto and to contact Remita Payment Services Limited in the event of any queries you may have.",
        "definitions": "1.0 Definitions",
        "in-this-document": "1.1 In this document, \"User Agreement\", \"Agreement\", \"Terms and Conditions of Service\" are synonymous and used interchangeably",
        "in-this-agreement": "1.2 In this Agreement, \"you\" or \"your\" or \"User\" refers to any person or entity using the service. Unless otherwise stated, \"RPSL,\" \"we\" or \"our\" or \"us\" will refer collectively to Remita Payment Services Limited and its affiliates, directors, officers, employees, agents and partners",
        "you-and-rpsl": "1.3 You and RPSL are jointly referred to as 'the Parties' in this document, \"Remita\", \"our Services\", \"the Services\", \"the System\", 'Remita app' \"the platform\" are synonymous and used interchangeably unless otherwise specified",
        "remita-means-the": "1.4 \"Remita\" means the range of products and services with the \"Powered by Remita\" notice offered by RPSL and its partners as an online platform for the Management of:",
        "corporate-users": "Corporate Users",
        "payment-of-salaries": "Payment of Salaries:",
        "remita-enables-direct": "Remita enables direct payment of salaries from any bank account into beneficiaries' accounts in any bank or other designated financial schemes",
        "payment-of-taxes": "Payment of Taxes:",
        "remita-enables-remittance-of": "Remita enables remittance of all taxes including PAYE, VAT and WHT, to the relevant Tax authorities",
        "payment-of-pension": "Payment of Pension:",
        "remita-enables-remittance": "Remita enables remittance of pension contributions and delivery of accompanying schedules to Pension Fund Administrators and Pension Fund Custodians",
        "payroll-pension-processing": "Payroll, Pension Processing and Biometrics:",
        "remita-enables-customers-to-process": "Remita enables customers to process their payroll and pensions and carry out biometrics enrollment and verification of their employees and pensioners",
        "schedule-delivery": "Schedule Delivery",
        "remita-enables-delivery": "Remita enables delivery of matching schedules in recipients' specified formats. These schedules are sent to appropriate recipients simultaneously as payments are made",
        "individual-and-other": "Individual And Other Users",
        "payment-of-vendors": "Payment of Vendors and Third Parties:",
        "remita-enables-customers-to": "Remita enables customers to make electronic payments from any bank account into the accounts of vendors, suppliers and other third parties in any bank or other designated financial schemes",
        "account-balance-and": "Account Balance and Transaction Monitoring:",
        "remita-enables-customers": "Remita enables customers at their convenience, to view their account balances across banks, and it provides clear and definitive status of transactions at all times",
        "payment-collection-from": "Payment Collection from Service Users:",
        "remita-enables-automated": "Remita enables automated collection of fees and other charges from service beneficiaries via multiple channels",
        "value-added-services": "Value Added Services",
        "remita-platform-also": "Remita platform also provides value-added services such as loan disbursement, transaction referencing, creation and operation of digital stores of value, funds transfer between stores of value and traditional bank accounts, payment collection for licensed savings and investments schemes, lifestyle services such as booking tickets for events, movies, travel and so on, third-party application integration etc. and also Marketplace services such as; ticketing, airtime and utility vending, international transfers, etc",
        "eligibility": "2.0 Eligibility",
        "in-order-to": "In order to use the Service, you must apply to your bank for a Personal or Corporate profile. Our Services are available to you based on the approval of your Remita Card (Remita Card is a virtual debit card that provides Remita users electronic access to their corporate accounts at a financial institution) by your bank",
        "without-limiting-the": "Without limiting the foregoing, we reserve the right to deny, suspend or terminate delivery of our Service to persons who present an unacceptable level of risk as determined by regulatory, industry and our standards",
        "contract-between-you": "3.0 Contract Between You And RPSL",
        "your-acceptance-of": "Your acceptance of these Terms and Conditions of Service is established either:",
        "by-using-your": "by using your personal details to logDebug-in to Remita or any of the related solutions \"Powered by Remita\", or",
        "by-installing-or": "by installing or using any Remita service or products or solution \"Powered by Remita\", or",
        "by-integrating-remita": "by integrating Remita with your third party application for the purpose of sending payment or collection instructions for processing and receiving feedback as to the status of the processed transactions",
        "relationship": "3.1 Relationship",
        "remita-facilitates-your": "Remita facilitates your transfer to and receipt of funds from third parties. Based on your instructions, you acknowledge that:",
        "i-payment-instructions": "i. Payment instructions on the platform are driven strictly by account numbers and not by the beneficiary names supplied",
        "ii-payments-will": "ii. Payments will be applied by Remita Partner Banks into the beneficiary account numbers supplied by you at the time of upload of payment instructions",
        "iii-you-are": "iii. You are fully responsible for the completeness, correctness and validity of data supplied on the platform, including but not limited to",
        "a-beneficiary-account": "a. Beneficiary account number",
        "b-beneficiary-account": "b. Beneficiary account name",
        "c-amount": "c. Amount ",
        "d-beneficiary-phone": "d. Beneficiary phone number.",
        "e-beneficiary-email": "e. Beneficiary e-mail address.",
        "iv-neither-rpsl": "iv. Neither RPSL nor any of the Partner Banks can be held liable for any incorrect beneficiary name, account number, amount, phone number, e-mail address or other data that a registered user uploads on the platform.",
        "v-remita-is": "v. Remita is not a bank.",
        "vi-we-are": "vi. We are not acting as a trustee, fiduciary or escrow with respect to your funds.",
        "vii-when-you": "vii. When you send a payment instruction, until that payment is accepted by the recipient, you remain the owner of those funds, but you will not be able to withdraw those funds or send the funds to any other recipient unless the initial transaction is cancelled.",
        "viii-we-act": "viii. We act as service providers by creating, hosting, maintaining and providing our Service to you through the Internet. We do not have any control over the products or services that are paid for through our Service. We cannot ensure that a buyer or a seller you are dealing with will actually complete the transaction and we shall not bear any liability for any incomplete transaction between you and the other party with whom you may be transacting.",
        "ix-when-you": "ix. When you use Remita to manage the payroll of your organization, Remita shall use best efforts to process the information provided by you to ensure that the computed figures are accurate and represent your expectations. It however remains your responsibility to confirm your satisfaction with computed figures before you approve same for payment.",
        "x-when-you": "x. When you request Remita to compute your taxes based on the Nigerian tax laws, Remita shall use best efforts to process information provided by you to ensure that the computed figures are accurate and represent the expectations of the tax authorities. It however remains your responsibility to confirm your satisfaction with computed figures before you approve same for payment.",
        "xi-when-you": "xi. When you use Remita for collection of funds by way of an automated direct debit from the accounts of third parties, such parties will be entitled to a prompt refund of such payments simply by submitting appropriate claims to us in accordance with the relevant direct debit guidelines from the Central Bank of Nigeria or other regulatory requirements.",
        "xii-when-you": "xii. When you use Remita as a registered Biller/Collector/Merchant for collection of funds paid by service beneficiaries into your designated collection account(s) through any of the Remita payment channels such as any bank branch, online banking sites, debit/credit cards, digital wallets, POS or mPOS terminals, direct debit, standing order, cash collection points etc., Remita shall use best efforts to process information provided by the payer in accordance with what has been entered into the system such that funds collected are accurate and represent your expectations. It however remains your responsibility to confirm your satisfaction with collected funds for which the payer is enjoying your products or services.",
        "xiii-remita-would": "xiii. Remita would normally settle collected amounts into merchant accounts on the same day, except for funds collection via debit/credit cards, digital wallets, POS and mPOS terminals and other card related transactions, settlement for which is normally done to merchants accounts on a T+1 basis (the day after the transaction), in line with industry standards. International payments will be subject to international best practices.",
        "identity-authentication": "3.2 Identity Authentication.",
        "we-use-many": "We use many techniques to identify users when they register on the platform. Verification of Users is only an indication of increased likelihood that a User's identity is correct. You authorize us to, directly or through third parties, make any inquiries we consider necessary to validate your registration. This may include verifying the information you provide against third party databases. In addition, we reserve the right to employ other means of verification of authenticity for transactions we deem suspicious or for accounts conducting high value or high volume transactions to ensure integrity of the transactions and we may thus delay execution of such instructions.",
        "no-warranty": "3.3 No Warranty",
        "rpsl-provides-its": "RPSL provides its services on \"as is\" and without any warranty or condition, express, implied or statutory. We, specifically disclaim any implied warranties of title, merchantability, fitness for a particular purpose and non-infringement to the full extent permissible by the law.",
        "we-shall-make": "We shall make reasonable efforts to ensure that requests for electronic debits and credits involving bank accounts, Remita Cards issuance and other transactional operations are processed in a timely manner but we make no representations or warranties regarding the amount of time needed to complete processing because our Service is also dependent upon other factors outside of our control, one of which is the operational efficiency of all stakeholders.",
        "limitation-of-liability": "3.4 Limitation Of Liability",
        "in-no-event": "In no event shall RPSL be liable for loss of income, profits, business, opportunity, contracts or any indirect, special, incidental or consequential damages arising out of or in connection with our platform, our service, or this Agreement",
        "our-liability-to": "Our liability to you or any third party in any circumstance of proven liability by us, shall not exceed the fees paid to us in respect of the specific transaction that gave rise to the claim or liability",
        "indemnification": "3.5 Indemnification",
        "you-agree-to": "You agree to indemnify and hold RPSL, harmless from any claim or demand (including attorneys' fees) made by you or any third party arising wholly or partly from your breach of this Agreement or the documents it incorporates by reference, or your violation of any law or the rights of a third party relating to your use of the Service.",
        "authorised-signatories": "3.6 Authorised Signatories",
        "you-undertake-that": "You undertake that:",
        "three-dot-six-1": "3.6.1",
        "authorised-signatories-shall": "Authorised signatories shall be setup on Remita to approve remittance instructions and other relevant transactions in accordance with your internal approval rules. You understand that these approval rules will be applied to all remittance instructions and other relevant transactions processed on Remita and therefore will not be subjected to telephone, e-mail or any other manual confirmation by banks before transactions are completed.",
        "three-dot-six-2": "3.6.2",
        "you-will-keep": "You will keep confidential all Remita security related information such as passwords, Access Codes and Personal Identification Numbers (PIN). You understand that RPSL, banks, their affiliates and service providers will never request you to divulge any of these information by phone, mail or any other means. You are obliged to report any representation to the contrary to RPSL and your bank promptly.",
        "three-dot-six-3": "3.6.3",
        "payment-instructions-made": "Payment instructions made to your banks by cheques, or any channel other than Remita, will continue to be subjected to all your current mandate instructions and confirmation rules",
        "three-dot-six-4": "3.6.4",
        "when-you-make": "When you make a payment through Remita, you are requesting an electronic transfer from your account. Upon such request, Remita will transmit your instructions to your bank to transfer from your account the amount you specify. You agree that such requests constitute your authorisation for such transfers.",
        "three-dot-six": "3.6.5",
        "except-when-caused": "Except when caused by RPSL' or the banks' misconduct or negligence, you will protect RPSL, the banks, their affiliates and service providers from any/and all claims, liability, damages, expenses and costs caused by or arising from your use of the service."
      },
      "privacy-policy": {
        "title": "Remita Personal - Privacy policy",
        "privacy-policy": "Privacy policy",
        "please-read-our": "Please read our Privacy Policy before you may become a business or personal user of the Remita platform. The onus is on you to access our Terms & Agreements, as well as any amendments made thereto and to contact Remita Payment Services Limited (“RPSL, We, Us, Our”) in the event of any queries you may have",
        "by-using-any": "By using any part of the Remita service, you acknowledge and agree to the processing of your personal data under the terms and conditions set out in this privacy policy",
        "your-privacy-rights": "1.0 Your Privacy Rights",
        "this-privacy-policy": "This Privacy Policy describes your privacy rights regarding our collection, use, storage, sharing and protection of your personal information. It applies to the Remita platform (which comprises of the Remita website and/or mobile applications), its applications, services, tools and content regardless of how you access or use them",
        "consent": "2.0 Consent",
        "you-accept-this": "You accept this Privacy Policy when you sign up for, access, or use our products, services, content, features, technologies or functions offered on our Remita platform, all related sites, applications, and services (collectively known as “Remita” or the “Platform”). This Policy governs the use of Remita by registered and non-registered users, unless otherwise agreed through a written contract. We may amend this Privacy Policy at any time (and without recourse to you) by posting a revised version on our Platform and/or through email notification. The revised version will be effective seven (7) days after posting or any other date as may be communicated by us",
        "your-personal-information": "3.0 Your Personal Information",
        "when-you-use": "3.1 When you use Remita services either as a registered or non-registered user, we collect information sent to us by your computer, mobile phone, Point of Sale (“POS”) terminal or other electronic access devices. The information shall be collected automatically and shall include but not limited to data about the pages on the Platform which you access, your computer IP address, device ID or unique identifier, device type, geo-location information, computer and connection information, mobile network information, statistics on page views, traffic to and from the sites, referral Uniform Resource Locator (URL), ad data, and standard web log data",
        "we-may-also-collect": "3.2 We may also collect information you directly provide to us including but not limited to information on web forms, account update information and correspondence with Remita support services. We also collect information about your transactions and your activities. In addition, we collect your contact information such as; name, address, phone number, email, etc. We also collect your bank account name and numbers and these may be linked to your Remita profile, where applicable. Information obtained through survey responses, telephone conversations, user enquiries and other means may also be collected and used by us",
        "we-may-also-use": "3.3 We may also use information provided by third parties like social media sites and verification agencies. Information about you which are provided by you or any person to other websites or platforms are not controlled by Remita, and we are therefore not liable for how they use it",
        "if-the-information": "3.4 If the information you have supplied to us is wrong, you can put in a request to update it quickly or to delete it – unless we have to keep that information for legitimate business or legal purposes, and when responding to a request to update your personal information, we may ask you to verify your identity before we can act on the request. We may reject requests that are unreasonably repetitive, require disproportionate technical effort (for example, developing a new system or fundamentally changing an existing practice), risk the privacy of others, or would be extremely impractical (for instance, requests concerning information residing on backup systems). Where we can provide information access and correction, we will do so for free, except where it would require a disproportionate effort. We aim to maintain our services in a manner that protects information from accidental or malicious destruction. Because of this, after you delete information from our services, we may not immediately delete residual copies from our active servers and may not remove information from our backup systems",
        "you-can-also": "3.5 You can also let us know if you feel that your personal information is being processed in any way other than how you have consented to it being used. We will take reasonable steps to ensure that your personal information is processed in the manner in which you have consented to it, or we may delete it based on your instruction. However, we may not accede to your request if it is unrealistic, impractical or inimical to our compliance with applicable regulation or laws",
        "what-we-do": "4.0 What we do with your personal information",
        "our-purpose-for": "Our purpose for collecting your personal information is to give you an efficient, enjoyable and secure customer experience. We may use your information to:",
        "provide-remita-services": "4.1 Provide Remita Services and support;",
        "process-transactions-and": "4.2 Process transactions, and send notices about your transactions to requisite parties;",
        "verify-your-identity": "4.3 Verify your identity;",
        "resolve-disputes-collect": "4.4 Resolve disputes, collect fees, and troubleshoot problems;",
        "manage-risk-or": "4.5 Manage risk, or detect, prevent, and/or remediate fraud or other potentially prohibited or illegal activities;",
        "detect-prevent-or": "4.6 Detect, prevent or remediate violations of policies or applicable user agreements;",
        "improve-remita-services": "4.7 Improve Remita Services by implementing aggregate user preferences;",
        "measure-performance-of": "4.8 Measure performance of Remita Services and improve content, technology and layout;",
        "manage-and-protect": "4.9 Manage and protect our information technology infrastructure;",
        "contact-you-at": "4.10 Contact you at any time through your provided telephone number, email address or other contact details;",
        "notify-you-about": "4.11 Notify you about your account, troubleshoot problems with your account, resolve a dispute, collect fees or monies owed, poll your opinions through surveys or questionnaires, enforce our policy, or as otherwise necessary to service your account, we may contact you through information provided. RPSL will not request for your Personal Identification Number (PIN), Account Identification Number (AIN), Dynamic Personal Identification Number (Dynamic PIN) or Bank Verification Number (BVN) from you either through email, telephone call, SMS or written documents. You are solely responsible for safeguarding any Personal Identification Number (PIN), Account Identification Number (AIN) or Dynamic Authentication Number (Dynamic PIN) you generate in the course of using Remita",
        "notify-you-of": "4.12 Notify you of new products, services and/or offerings, newsletters and similar messages (“promotional messages”); or any enhancements/amendments to existing products services and/or offerings that we think may be of interest to you. If you do not want to receive such promotional materials from us, you may opt out at any time by sending an email to",
        "dporemita-net": "dpo@remita.net",
        "to-create-stores": "4.13 To create stores of value and/or bank accounts for you and in your name with CBN licensed financial institution(s) to enable you transact seamlessly on the platform",
        "carry-out-other": "4.14 Carry out other activities permitted by law including; the fulfillment of our contract with you, compliance with legal and/or regulatory requirements, to protect your vital interest or that of any other natural person, and so on ",
        "if-we-intend": "4.15 If we intend to process your personal information for any purpose other than those listed in this policy, we shall provide you with relevant information on the further processing and seek your consent before the processing commences",
        "cookies": "5.0 Cookies",
        "cookies-are-small": "5.1 Cookies are small files placed on your computer's hard drive that enables the platform or website to identify your computer as you view different pages. Cookies allow websites and applications to store your preferences in order to present content, options or functions that are specific to you. Like most interactive websites, and online platforms, Remita uses cookies to enable the tracking of your activity for the duration of a session. Remita uses only encrypted session cookies which are erased either after a predefined timeout period or once the user logs out of Remita and closes the browser. Session cookies do not collect information from the user's computer. They will typically store information in the form of a session identification that does not personally identify the user",
        "we-do-not": "5.2 We do not have access or control over the cookies of our partners, affiliates, and service providers. We are therefore not responsible for their use of their cookies",
        "how-we-protect": "6.0 How we protect your personal information",
        "we-store-and": "6.1 We store and process your personal information on our computers in Nigeria, Africa and elsewhere in the world where our facilities are located. Data protection laws vary among countries, with some providing more protection than others. Regardless of where your information is processed, we apply the same protections described in this policy. You have a right (upon your request) to be informed of the appropriate safeguards for data protection in the foreign country",
        "we-protect-your": "6.2 We protect your information using physical, technical, and administrative security measures to reduce the risks of loss, misuse, unauthorized access, disclosure and alteration. Some of the safeguards we use are firewalls and data encryption, physical access controls to our data centers, and information access authorization controls",
        "furthermore-in-the": "6.3 Furthermore, in the event of an actual or suspected breach of your personal information, we will use best effort to remedy the breach within one (1) month from the date we report the breach to you",
        "access-to-your": "7.0 Access to Your Data",
        "if-you-are": "7.1 If you are a registered user on Remita, you may access your personal information using your secure login credentials to access the relevant system features for such purpose. If you are a non-registered user, you may request for your personal information by sending an email to",
        "this-information-should": "7.2 This information should only be used for your own purposes and not to circumvent the platform, or to be distributed to other parties who may use such information to the disadvantage of RPSL",
        "you-will-be": "You will be able to access reports of your previous transactions up to seven years after the transaction date, subject to a continuous period of use. The applicability of the seven year period will re-commence if there has been a break in use for a period of more than three months. RPSL will advise you on any applicable fees to request access to data in such events",
        "you-have-the-right": "You have the right to request that we stop using your data or return your data to you, or transmit the data directly to another data controller. The withdrawal of your consent at any time shall not affect the lawfulness of the processing based on your consent before its withdrawal. In the event you intend to exercise your right in this regard, kindly notify us through",
        "support": "support@remita.net",
        "and-your-request": "and your request shall be treated promptly",
        "how-we-share": "8.0 How We Share your information with other Relevant Parties",
        "during-your-transaction": "8.1 During your transaction, we may provide the corresponding party with information such as your name, account identification details, contact details, shipping and billing address, or other information needed to promote the integrity and security of the transaction. We may also provide details of unsuccessful transactions",
        "we-work-with": "8.2 We work with third parties, including but not limited to merchants, to enable them to accept or send payments from or to you, using Remita. In doing so, a third party may share information about you with us, such as your email address or mobile phone number, to inform you that a payment has been sent to you or when you attempt to pay a merchant or third party. We use this information to confirm that you are a Remita customer and that Remita as a payment and collection platform can be enabled. We also validate your status as a Remita customer to third parties on your instruction",
        "we-enter-into": "8.3 We enter into contracts with third parties to perform certain business-related functions necessary to ensure the optimal provision of the service to you, including but not limited to payment processing, data storage, security, identity verification, fraud prevention, etc. We disclose relevant portions of your information to these third parties where reasonably necessary. With respect to the confidentiality of your personal information, these third parties are bound by extant laws and regulations on data protection, including the provisions of NDPA 2023 (including amendments or supplemental provisions)",
        "except-in-instances": "8.4 Except in instances relating to clause 8.3 above, upon receiving your clear and unequivocal instruction, we may also share your personal information with third parties in a manner deemed reasonable and convenient for us, either physically or through any digital channel available at any point in time",
        "you-accept-that": "8.5 You accept that your pictures and testimonials on all social media platforms about Remita can be used for limited promotional purposes by RPSL or its agents. This does not include your trademark or copyright protected materials",
        "we-may-also-divulge": "8.6 We may also divulge data about you if, in our opinion, the disclosure is reasonable and legally permissible for the purpose of ensuring the integrity of our business operations. Additionally, in the event of a merger or corporate restructuring, we may also divulge your personal information to applicable parties",
        "where-your-employee": "8.7 Where your employee, as part of the process of application for a service from RPSL or a third party, requires his/her data to be provided in support of such an application to RPSL or a third party, RPSL is obligated to avail such request, upon the employee giving the requisite authorisation as the Data Owner/Data Subject, in the form prescribed by RPSL or the third party",
        "from-time-to": "8.8 From time to time we may send you relevant information such as product updates, new functionalities, tips on how to use Remita and new service offerings",
        "we-may-also-share": "8.9 We may also share your personal information in compliance with local or international regulatory requirements, with fraud prevention and risk management agencies, with our service providers or in compliance with a court order",
        "we-may-also": "8.10 We may also share your personal information with our affiliate entities, particularly members of the SystemSpecs Group (i.e., SystemSpecs Holdings Limited and other entities in which SystemSpecs Holdings Limited holds considerable influence and control), to enable us to provide you with information and services which we believe may be beneficial or may be of interest to you and/or members within your organisation. The affiliate entities may use the personal information for marketing and non-marketing activities. You may opt out at any time by sending an email to",
        "we-recognise-the": "8.11 We recognise the privacy of minors, and we do not knowingly collect personal information belonging to minors",
        "security": "9.0 Security",
        "we-will-always": "We will always hold your information securely. To prevent unauthorized access to your information, we have implemented controls and security safeguards at technical and operational levels. This site uses Secure Sockets Layer/Transport Layer Security (SSL/TLS) to ensure secure transmission of your personal data. You should see the padlock symbol in your URL address bar when accessing the site, www.remita.net. The URL address will also start with “https://” depicting a secure webpage. SSL applies encryption between two points such as your personal computer (PC) or any other electronic device used by you to access Remita, and the connecting server. Any data transmitted during the session will be encrypted before transmission and decrypted at the receiving end. This is to ensure that data cannot be read during transmission",
        "data-confidentiality-rights": "10.0 Data Confidentiality Rights",
        "your-information-is": "Your information is regarded as confidential and will not be divulged to any third party except under legal and/or regulatory conditions. You have the right to request for copies of all information we keep on you, provided that you give us reasonable notice of such a request in writing. While RPSL is responsible for safeguarding the information entrusted to us, your role in fulfilling confidentiality duties includes but is not limited to adopting and enforcing appropriate security measures such as non-sharing of passwords and other platform login or transaction authentication details. You are ultimately responsible for the security of your platform login and transaction authentication details",
        "links-to-other": "11.0 Links to Other Websites",
        "certain-transaction-processing": "11.1 Certain transaction processing channels on Remita may require links to other websites. Please note that RPSL is not responsible for and has no control over third party websites. We do not monitor or review the content of other parties’ websites which are linked from this website. Opinions expressed or materials appearing on such websites are not necessarily shared or endorsed by us, and RPSL should not be regarded as the publisher of such opinions or materials, and you agree that we shall not be liable for any liability arising from your interpretation of any information on any third-party website linked to Remita. Please be aware that we are not responsible for the privacy practices, or content of any third party sites and we encourage our users to read the privacy statements of these third party sites. You should evaluate the security and trustworthiness of any other site connected to this site or accessed through this site yourself, before disclosing any personal information to it. RPSL will not accept any responsibility for any loss or damage in whatever manner, howsoever caused, resulting from your disclosure to third parties of your personal information",
        "we-reserve-the": "11.2 We reserve the right to modify our Policy at any time and without any prior notice to you. Ensure you check this Policy regularly to stay updated with any amendment and understand how we use your information",
        "limitation-of-liability": "12. Limitation of Liability",
        "rpsl-will-not": "12.1 RPSL will not be liable for loss of income, profits, business, opportunity, goodwill, contracts or any indirect, special, incidental or consequential damages arising out of or in connection with the Service, any computation or failed transaction on Remita, arising out of any breach of this Policy",
        "we-will-not": "12.2 We will not be liable for any loss or damage arising as a result of unauthorized access to the Service if (a) you intentionally or negligently fail to take reasonable precautions to protect your security, access codes, login details or any device used to access the Service, (b) you failed to promptly notify us that the Service was being accessed in an unauthorised way after becoming aware of it, or (c) you acted fraudulently",
        "our-liability-to-you": "12.3 Our liability to you or any third party in any circumstance of proven liability by us, shall not exceed the fees paid to us in respect of the specific transaction that gave rise to the claim or liability, unless otherwise specified by a court of competent jurisdiction",
        "notwithstanding-any-provision": "12.4 Notwithstanding any provision in clauses 12.1, 12.2 and 12.3, limitation of liability shall not apply if we breach any provision of the Nigeria Data Protection Regulation 2019 (“NDPR”)",
        "queries-and-questions": "13. QUERIES AND QUESTIONS",
        "you-have-the": "13.1 You have the right to request that we stop using your data or return your data to you. In the event you intend to exercise your right in this regard, kindly notify us via",
        "and-your-request-shall": "and your request shall be treated promptly.",
        "any-other-complaints": "13.2 Any other complaints, questions, comments and requests regarding this privacy policy are welcomed and should be addressed to our Data Protection Officer through",
        "and-where-your": " , and where your complaints are not sufficiently addressed, you may lodge a complaint with a relevant data protection authority"
      }
    },
    "shared": {
      "general": {
        "empty": "",
        "asterisk": "star",
        "back": "Back",
        "show": "Show",
        "page": "Page",
        "value-5": "5",
        "value-10": "10",
        "value-20": "20",
        "value-30": "30",
        "value-40": "40",
        "value-50": "50",
        "records": "records",
        "export": "Export",
        "export-all": "Export All",
        "sn": "S/N",
        "required": "This field is required",
        "previous": "Previous",
        "next": "Next",
        "select-page-of": "Select page of periodic elements"
      },
      "upload-input": {
        "upload-your-dated": "Upload your dated signature here for your bank",
        "supported-files-jpg": "Supported files: jpg, png, jpeg.."
      },
      "payment-summary": {
        "payment-summary": "Payment summary",
        "glo": "Glo",
        "proceed-to-payment": "Proceed to payment"
      }
    },
    "retail": {
      "do-more": "DO MORE",
      "for-your": " for your ",
      "personal-finance": " personal finance",
      "we-have-designed": "We have designed experiences to give you more power over your money and help you make informed decisions and spend with confidence",
      "download-the-app": "Download the app now!",
      "security-on-all": "security on all savings",
      "and-investments": "and investments",
      "instant-and-seamless": "Instant and Seamless",
      "payments-guaranteed": "Payments Guaranteed",
      "ten-plus": "10+",
      "years-of-disruptive": "Years of disruptive",
      "innovation": "innovation",
      "our-features": "Our features",
      "receive-and-make": "Receive and Make Payments Instantly",
      "whether-youre-sending": " Whether you're sending or receiving payments, instant is the new cool. You can make transactions on Remita without breaking a sweat",
      "see-what-youre": "See What You're Spending",
      "ever-wondered-where": "Ever wondered where your money goes? Track your spending on all your accounts and gain a clear view of your finances",
      "pay-over-billers": "Pay Over 5000 Billers Instantly",
      "whatever-your-bills": "Whatever your bills are, you call the shots. Pay easily in minutes, including governments, schools and others",
      "remita-mobile-all": "Remita mobile: All you need in one app",
      "with-security-at": "With security at our core, you can enjoy a safe and seamless payment experience",
      "we-are-setting": "We are setting a new standard for limitless and seamless payments",
      "take-a-moment": "Take a moment to think about all the payments you can make - we make it possible",
      "better-at-securing": "Better at securing your finances than ever before",
      "remita-mobile-offers": "Remita mobile offers top-tier security enhancements, ensuring the highest level of safety. It's designed to empower you to make confident, informed decisions when managing your transactions",
      "earn-extra-income": "Earn extra income with every referral",
      "join-the-teeming": "Join the teeming millions of individuals thriving on Remita"
    },
    "startups": {
      "remita-for-startups": "REMITA FOR STARTUPS",
      "access-our-powerful": "Access our powerful ecosystem of tools, expertise, and connections to accelerate your startup's success",
      "talk-to-us": "Talk To Us",
      "solutions-partnerships-advisory": "Solutions | Partnerships | Advisory | Capital",
      "solutions": "Solutions",
      "partnerships": "Partnerships",
      "capital": "Capital",
      "interbank-transfer-service": "Interbank Transfer Service",
      "process-realtime-payments": "Process real-time payments for your customers directly on your platform via trusted banking rails",
      "payment-gateway-api": "Payment Gateway API",
      "receive-money-via": "Receive money via a variety of channels including cards, bank transfers, USSD etc",
      "direct-debit-api": "Direct Debit API",
      "collect-loan-repayments": "Collect loan repayments, subscription payments and other recurrent payments from your customers at predefined interval",
      "introduction-to-relevant": "Introduction to relevant partners i.e., Banks, Corporates, Ecosystem Players etc",
      "tap-in-new": "Tap in new opportunities by partnering with us",
      "consulting": "Consulting",
      "access-to-seasoned": "Access to seasoned technology experts",
      "bimonthly-office-hours": "Bi-Monthly office hours with internal experts",
      "curated-session-and": "Curated session and masterclasses on key issues",
      "discretionary-equity-funding": "Discretionary equity funding for eligible startups",
      "introductions-to-potential": "Introductions to potential funding partners",
      "discounted-access-to": "Discounted access to product credits",
      "contact-our-ecosystem": "Contact our ecosystem manager",
      "maximize-your-startups": "Maximize your Startup's potential with our comprehensive suite of tools and resources, designed to help you succeed at every stage of your journey",
      "youre-in-good": "You’re in good company, some of Nigeria’s largest financial service providers work with Remita",
      "name": "Name",
      "email": "Email",
      "message": "Message",
      "send-message": "Send message"
    },
    "agent": {
      "back": "Back",
      "frequently-asked-questions": "Frequently asked questions",
      "registration-small": "Registration",
      "fees-transaction-limits": "Fees & Transaction Limits",
      "settings-small": "Settings",
      "security-small": "Security",
      "pos": "POS",
      "transaction-dispute": "Transaction Disputes",
      "card": "Cards",
      "registration": "REGISTRATION",
      "how-do-i-reg": "How do I Register or Activate RemitaAgent?",
      "you-can-reg": "You can register as an Agent by downloading the RemitaAgent mobile application on Play store or App store. You can sign up with your email address and phone number, and complete your registration by upgrading your KYC details",
      "what-do-i-do": "What do I do when I don’t get My OTP during registration?",
      "ensure-you-typed": "Ensure you typed the right phone number or email Address that you have access to. If you do not have access to the phone number, kindly click on the option and provide a phone number you have access to. If you still do not get the OTP, you should reach out to our customer support unit for assist",
      "how-do-i": "How do I set up a RemitaAgent merchant account?",
      "you-can-set": "You can set up a RemitaAgent Merchant account by downloading the RemitaAgent App on Play store (Android Devices) or App store (iOS devices). Then, follow the instructions to complete your signup, and choose “Merchant” as your priority mode",
      "what-information-are": "What information are required to complete my registration?",
      "bvn-nin": "BVN & NIN",
      "phone-number-and": "Phone number and email address",
      "residential-address": "Residential Address",
      "proof-of-address": "Proof of Address (Utility Bill)",
      "can-i-proceed": "Can I proceed with registration if I do not have the Corporate Affairs Commission (CAC) or business name documents?",
      "you-can-register": "You can register as an individual agent without CAC or business name documents. However, it is mandatory to have these documents if you wish to operate as a Business",
      "must-i-have": "Must I have a registered business before I can be a agent?",
      "you-do-not": "You do not need to have a registered business before you can be an agent. You can register as an Individual Agent with your BVN ",
      "what-do-i-after": "What do I do after registering as a RemitaAgent agent?",
      "start-performing-transactions": "Start performing transactions and earning commissions",
      "fees-transaction-limit": "FEES & TRANSACTION LIMIT",
      "how-soon-can": "How soon can I begin transactions after my registration ",
      "once-all-preenrollment": "Once all pre-enrollment requirements are fulfilled, you can process transactions immediately",
      "what-are-the": "What are the fees for transaction processing?",
      "our-fees-vary": "Our fees vary for different types of transactions. However, they are in accordance with CBN regulations and are the cheapest in the market",
      "how-much-is": "How much is my daily transaction limit?",
      "transaction-limits-are": "Transaction limits are tied to KYC levels",
      "kyc-level": "KYC Level 1",
      "kyc-level-2": "KYC Level 2",
      "kyc-level-no": "KYC Level 3: No transaction limit",
      "how-can-i": "How can I increase my transaction limit?",
      "you-can-increase": "You can increase your transaction limit by Upgrading your KYC, and providing an Aggregator ID on the mobile app",
      "how-much-does": "How much does RemitaAgent charge for POS withdrawal?",
      "charges-depend-on": "Charges depend on the transaction amount. Also, all details will be shared as soon as your enrollment is completed",
      "settin-small": "SETTINGS",
      "can-i-use": "Can I use the app on two different phones? ",
      "yes-you-can-use": "Yes, you can use the RemitaAgent App on any number of phones. You need to download the mobile app and provide your login details to enable you access your profile. We however advise our users to minimize the number of devices they use to access their profile on in order to prevent data breach and fra",
      "security": "SECURITY",
      "what-happens-if": "What happens if my phone/SIM is lost, stolen or damaged?",
      "your-phone-number": "Your phone number is tied to your RemitaAgent account, and that is where you will receive the OTP to access your RemitaAgent profile. You need to retrieve your Sim in other to gain access to your profile. You can contact your aggregator, or send a mail to our support center for further assistan",
      "can-i-change": "Can I change my Account Password?",
      "yes-you-can": "Yes you can change your account password. Click on the menu icon on the right top corner of the dashboard, select security, and choose the “change account password” option",
      "what-do-i-when": "What do I do when I forget my Password?",
      "a-click-on": "A. Click on the “Reset password” option on the login screen and follow the instructions sent to your registered email address",
      "what-do-i-do-when": "What do I do when I receive an error on my POS?",
      "the-following-errors": "The following errors are possible to occur on your POS:",
      "communication-error": "Communication error",
      "ssl-connection-failure": "SSL Connection failure",
      "wave-lost-try": "Wave lost. Try again",
      "to-troubleshoot-these": "To troubleshoot these errors, please turn off the POS for about one minute, then turn it back on and try again. If you still have the same problem, please contact your assigned aggregator for support or reach out to RemitaAgent Help/Support on the app or contact the Customer Care line",
      "what-do-i-if": "What do I do if there is a Wave Lost error?",
      "if-the-power": "If the power cord is plugged in when processing a transaction, unplug the power cord and try again to process a transaction",
      "if-it-doesnt": "If it doesn’t work, remove the battery, wait for 60 seconds and reattach back to the terminal",
      "press-and-hold": "Press and hold the enter button until it turns on     ",
      "what-do-i-there": "What do I do if there is a Communication Error?      ",
      "please-turn-the": "Please turn the POS terminal off and leave for 30 seconds (please ensure the screen is blank)",
      "remove-the-sim": "Remove the Sim Card from of the device and wipe the metal chip on the Sim ",
      "reinsert-the-sim": "Reinsert the Sim and turn the terminal back on",
      "what-do-i-if-there": "What do I do if there is an Internet Connection Failure?",
      "try-rebooting-your": "Try rebooting your router, restarting your card machine",
      "remove-wifi-profile": "Remove Wi-Fi profile and re-add it ",
      "transaction-disputes": "TRANSACTION DISPUTES",
      "what-do-i-when-a": "What do I do when a transaction is made via the POS but I do not see the funds credited in my wallet?",
      "please-report": "Please report this immediately through the Help/Support option on the App",
      "how-long-does": "How long does it take for a reversal to happen?",
      "the-system-autoreverses": "The system auto-reverses unsuccessful transactions within 24 hours. If you do not receive a reversal within the stipulated time, kindly contact your aggregator or our support centers for assistance",
      "what-do-i-my": "What do I do if my POS shows that the reversal is approved but cardholder’s account is still debited?",
      "please-request-for": "Please request for the cardholder to resolve this with their bank. They will be required to fill the error dispense form at their respective bank",
      "what-do-i-double": "What do I do if there are double debits on my wallet for a single transaction?",
      "remitaagent-wallet-id": "RemitaAgent wallet ID  ",
      "bank-account-involved": "Bank account involved in the transaction ",
      "transfer-amount": "Transfer amount",
      "transaction-references": "Transaction reference(s)      ",
      "what-do-i-mistake": "What do I do when I mistakenly transfer money to a wrong account number?",
      "if-you-sent": "If you sent money to the wrong account number, we suggest you contact the recipient to recover your money. You can also reach out to the support center to provide assistance",
      "what-do-i-debit": "What do I do when I am debited more than what is in my wallet?     ",
      "please-send-your": "Please send your bank statement with the time period to the Help/Support page on the RemitaAgent app",
      "what-do-i-wallet": "What do I do when my wallet gets debited and the person did not receive the money I sent?",
      "please-report-this": "Please report this immediately through the Help/Support option on the App. Remember to include the transaction number and a screenshot of the transaction receipt",
      "what-do-i": "What do I do when I receive a debit alert but there is no credit in my wallet? ",
      "please-contact-helpsupport": "Please contact Help/Support page on the app",
      "cards": "CARDS",
      "what-bankcards-can": "What bankcards can be used on RemitaAgent?  ",
      "we-accept-all": "We accept all Debit and Credit cards issued by Deposit Money Banks in Nigeria",
      "who-do-i": "Who do I call or talk to if I need information or run into any problems while using the RemitaAgent application?",
      "you-can-contact": "You can contact your aggregator or chat with us via the chat Help/Support option on the app. You may also reach us via ",
      "remitaagentremita-net": "remitaagent@remita.net "
    },
    "agents": {
      "upgrade-your-hustle": "Upgrade your Hustle & ",
      "do-more": " Do More!",
      "perform-transactions-cashincashout": "Perform transactions (cash-in/cash-out, Bill Payment, TSA, RRR)",
      "accept-payment-via": "Accept payment via Card, Cash and Bank transfer on your mobile device or POS terminal",
      "become-an-agent": "Become an Agent",
      "earn-from-over": "Earn from over 1500 transactions on ",
      "remita-agent": "RemitaAgent",
      "tsa-payment": "TSA Payment",
      "make-payments-to": "Make payments to Federal and different State Government across Nigeria. These include license fees, fines, taxes, and many others",
      "teller-services": "Teller services",
      "process-cash-incash": "Process cash in/cash out and make instant transfers to any Commercial or Micro Finance Bank and other financial institutions",
      "bills-payment": "Bills Payment",
      "easy-and-reliable": "Easy and reliable platform for airtime, data, cable TV, insurance, and utility payments",
      "pay-school-fees": "Pay School Fees",
      "help-students-pay": "Help students pay their school fees into federal and state tertiary institutions in Nigeria",
      "setup-in": "Setup in ",
      "three-easy-steps": " Three Easy Steps",
      "with-remita-agent-you": "With RemitaAgent, you can setup your account in seconds and perform transactions at the comfort of your home",
      "step-one": "Step one",
      "download-the-app": "Download the app and sign up",
      "step-two": "Step Two",
      "complete-your-registration": "Complete your registration by updating your KYC",
      "step-three": "Step three",
      "start-accepting-and": "Start accepting and making transactions directly on any of your preferred devices (i.e Mobile Phones, POS, NFC-enabled device, and Mini POS)",
      "help-customers-make": "HELP CUSTOMERS MAKE PAYMENTS",
      "as-a": "As a ",
      "perform-a-wide": " Perform a wide range of services (government payments, cash-in/cash-out, transfers and bill payment)",
      "request-for-a": " Request for a POS and start growing your business",
      "enjoy-the-cheapest": " Enjoy the cheapest fees in the market today",
      "additional-rewards-for": " Additional rewards for agents with the highest number of transactions*",
      "get-access-to": " Get access to both virtual and in-person support",
      "terms-and-conditions": "* Terms and conditions apply",
      "we-help-individuals": "We help Individuals and Businesses ",
      "domore": " do more!",
      "we-are-the": "We are the most reliable payment transaction processor in Nigeria, thanks to the numerous success stories from our users",
      "achieve-more-reach": "Achieve more. Reach a wider market",
      "provide-your-goods": "Provide your goods and services to an extended target of customers and prospects, while monitoring all transactions from initiation to payment",
      "tap-n-go": "Tap 'n' Go Payment",
      "coming-soon": "coming soon",
      "with-your-nfcenabled": "With your NFC-enabled smartphone, you can accept card payments by placing the ATM card at the back of your phone and entering the pin to authorize the transaction",
      "seamless-transactions-instant": "Seamless Transactions, Instant Settlement",
      "with-remitaagent-you": "With RemitaAgent, you can perform transactions, help customers make and receive payments, and get funded instantly. We help you achieve more and reach a wider market",
      "grow-your-business": "Grow your business Now",
      "frequently-asked-questions": "FREQUENTLY ASKED QUESTIONS",
      "get-to-know": "Get to know more about ",
      "how-do-i": " How do I Register or Activate RemitaAgent?",
      "you-can-either": "You can either register as an Aggregator on our website, or register as an Agent by downloading the RemitaAgent mobile application on Play store. You can sign up with your email address and phone number, and complete your registration by upgrading your KYC details",
      "what-do-i-do": "What do I do when I don’t get My OTP during registration?",
      "ensure-you-typed": "Ensure you typed the right phone number that you have access to. If you do not have access to the phone number, kindly click on the option and provide a phone number you have access to. If you still do not get the OTP, you should reach out to our customer support unit for assistance",
      "what-information-are": "What information are required to complete my registration?",
      "bvn": "BVN",
      "phone-number-and": "Phone number and email address",
      "residential-address": "Residential Address",
      "proof-of-address": "Proof of Address (Utility Bill",
      "can-i-proceed": "Can I proceed with registration if I do not have the Corporate Affairs Commission (CAC) or business name documents?",
      "you-can-register": "You can register as an individual agent without CAC or business name documents. However, it is mandatory to have these documents if you wish to operate as a Business",
      "must-i-have": "Must I have a registered business before I can be an agent?",
      "you-do-not": "You do not need to have a registered business before you can be an agent. You can register as an Individual Agent with your BVN",
      "what-do-i": "What do I do after registering as a RemitaAgent agent?",
      "start-doing-transactions": "Start doing transactions and earning commissions"
    },
    "merchant": {
      "you-can": "You can ",
      "do-more": " DO MORE",
      "for-your-business": "for your business",
      "no-matter-the": "no matter the size",
      "embark-on-a": "Embark on a journey with Remita Merchant to take your business to new heights. Experience a transformative journey in commerce withdelay our all-in-one merchant service platform",
      "explore-what-you": "Explore what you can",
      "invoicing": "INVOICING",
      "invoice-sent-successfully": "Invoice sent successfully",
      "jan-pm": " 25 JAN 2023, 8:30 PM",
      "create-products-and": "CREATE PRODUCTS AND SERVICES",
      "product-created-successfully": "Product created successfully",
      "start-business": "Start Business",
      "businesses-that-are": "Businesses that are testing their ideas with customers and have no legal document",
      "open-a-starter": "Open a starter business account",
      "registered-businesses": "Registered Businesses",
      "business-that-have": "Business that have proven legal documents are already in the face of customers and are delivering value",
      "open-a-registered": "Open a registered business account",
      "terminal-management": "TERMINAL MANAGEMENT",
      "manage-payments-from": "Manage payments from everywhere with our robust terminal",
      "its-about-setting": "it's about setting the standard for modern payment experiences",
      "learn-more-about": "Learn more about our terminals",
      "synchronised-setup": "Synchronised Setup",
      "enable-your-collection": "Enable your collection once and it reflect on every terminal you own",
      "fast-and-active": "Fast and Active",
      "what-can-you": "WHAT CAN YOU DO",
      "everything-you-need": "Everything you need as a merchant for business",
      "product-and-service": "Product and service creation",
      "start-now-with": "Start now with us and seamlessly create products and services that you can easily sell to customers via multiple channels",
      "invoicing-small": "Invoicing",
      "safeguard-your-profits": "Safeguard your profits with automated invoices and friendly reminders. Your professionalism shines through, and your finances remain on track",
      "secure-payment-gateway": "Secure Payment Gateway",
      "its-a-blend": "It's a blend of security and flexibility, giving your customers a seamless and worry-free way to pay",
      "share-payment-links": "Share Payment Links Easily",
      "boost-your-cashflow": "Boost your cashflow conveniently send payment links to your customers. it’s about connivence that translates into increased revenue",
      "business-insight": "Business Insight",
      "make-every-decision": "Make every decision count with our customised dashboard, providing you with intelligent financial insight. It’s not just data; but a business compass towards success",
      "integrate-with-us": "INTEGRATE WITH US",
      "achieve-faster-payments": "Achieve faster payments through the seamless integration of our APIs",
      "save-engineering-time": "Save engineering time with payments functionality. We obsess over the maze of gateways",
      "see-document": "See document",
      "signup-in-minutes": "Sign-up in 3 minutes",
      "create-your-business": "Create your business account and instantly start selling your products and receiving payments",
      "frequently-asked-questions": "FREQUENTLY ASKED QUESTIONS",
      "want-to-know": "Want to know more about",
      "remita-merchant": "Remita Merchant",
      "more-helpful-information": "More helpful information",
      "how-do-i": "How do I set up a Remita Merchant account",
      "its-really-easy": "It's really easy! Do to Google Play or App store and download RemitaCenta merchant withour app. Then follow the instructions to register your account. After setting uop your account, you can proceed to using the dashboard to complete your KYC registration",
      "what-documents-are": "What documents are required to complete my registration",
      "bvn": "BVN",
      "passport-photohgraph": "Passport photohgraph",
      "name-and-place": "Name and place of birth",
      "gender-address-and": "Gender, address and email",
      "valid-means-of": "Valid means of identification (voter's card, driver's lincense, national ID, international passport, NIN",
      "information-must-be": "Information must be verified by NIMC, INEC",
      "verification-of-address": "Verification of address",
      "can-i-proceed": "Can I proceed with registration if I do not have the Corporate Affairs Commission (CAC) or business name documents",
      "yes-you-can": "Yes, you can proceed to register as a RemitaCenta merchant without this documents",
      "must-i-have": "Must I have a registered business before I can be a Merchant",
      "it-is-not": "It is not compulsory for an agent to have a registered business but mandatory for an aggregator to have a registered business"
    },
    "developer": {
      "build-incredible-financial": "Build Incredible Financial solutions",
      "with-us": "With Us",
      "utilize-our-topnotch": "Utilize our top-notch API integrations and plugins on your digital products",
      "new-apis-on": "New APIs on Remita",
      "explore-the-latest": "Explore the latest additions to our API",
      "generate-mandate": "Generate Mandate",
      "you-can-create": "You can create a mandate ID using this API in accordance with the rules of the payer’s recurrent payment mandate",
      "get-ref-datanin": "Get Ref Data_NIN",
      "this-api-allows": "This API allows integrators request and validate a customer’s NIMC details automatically",
      "mandate-status": "Mandate Status",
      "check-the-status": "Check the status of a payer’s mandate in a situation where the mandate is not activated immediately",
      "get-services-by": "Get Services by Refld",
      "get-informed-the": "Get informed the required fields to request data for any given reference data type",
      "ecommerce-essentials": "E-commerce Essentials",
      "designing-an-ecommerce": "Designing an e-commerce product? Browse through our catalogue of necessary APIs",
      "remita-checkout": "Remita Checkout",
      "use-the-inline": "Use the inline checkout to accept payments from your website seamlessly",
      "standard-invoice": "Standard Invoice",
      "this-is-the": "This is the standard RRR generation API",
      "payment-notification": "Payment Notification",
      "this-webhook-sends": "This webhook sends a notification when a payment is made in your favour",
      "initiate-transaction": "Initiate Transaction",
      "this-api-allows-you": "This API allows you validate your request to generate a bill reference",
      "explore-our-collections": "Explore our Collections",
      "to-assist-you": "To assist you in finding solutions, we have appropriately categorized all of our APIs",
      "accept-payments": "Accept Payments",
      "receive-payments-from": "Receive payments from multiple directories, such as internet banking, domestic and foreign debit/credit cards, USSD etc",
      "funds-transfer": "Funds Transfer",
      "transfer-funds-instantly": "Transfer funds instantly between online accounts. Pay staff salaries, vendors, and other third parties",
      "biller-aggregation": "Biller Aggregation",
      "access-and-execute": "Access and execute a wide range of financial services via Remita",
      "inflight-collections": "Inflight Collections",
      "you-can-obtain": "You can obtain your repayments from any Remita processed inflow that is owed to the payer's account using our Inflight Collection APIs",
      "reference-data": "Reference Data",
      "automate-the-verification": "Automate the verification of your customer's identity and related data",
      "regulatory-payments": "Regulatory Payments",
      "send-tax-and": "Send tax and pension payments to various tax authorities together with schedules that are supplied by a straightforward API call"
    },
    "faqs": {
      "back": "Back",
      "frequently-asked-questions": "Frequently asked questions ",
      "registration": "Registration ",
      "fees-transaction-limits": "Fees & Transaction Limits ",
      "sett": "Settings ",
      "sec": "Security ",
      "pos": "POS ",
      "transactiondisputes": "Transaction Disputes ",
      "card": "Cards",
      "register": "REGISTRATION ",
      "how-do-i-reg": "How do I Register or Activate RemitaAgent?",
      "you-can-register-as": "You can register as an Agent by downloading the RemitaAgent mobile application on Play store or App store. You can sign up with your email address and phone number, and complete your registration by upgrading your KYC details ",
      "what-do-i-do": "What do I do when I don’t get My OTP during registration?",
      "ensure-you-typed": "Ensure you typed the right phone number or email Address that you have access to. If you do not have access to the phone number, kindly click on the option and provide a phone number you have access to. If you still do not get the OTP, you should reach out to our customer support unit for assistance ",
      "how-do-i": "How do I set up a RemitaAgent merchant account?",
      "you-can-set": "You can set up a RemitaAgent Merchant account by downloading the RemitaAgent App on Play store (Android Devices) or App store (iOS devices). Then, follow the instructions to complete your signup, and choose “Merchant” as your priority mode ",
      "what-information-are": "What information are required to complete my registration?",
      "bvn-nin": "BVN & NIN ",
      "phone-number-and": "Phone number and email address ",
      "residential-address": "Residential Address ",
      "proof-of-address": "Proof of Address (Utility Bill)",
      "can-i-proceed": "Can I proceed with registration if I do not have the Corporate Affairs Commission (CAC) or business name documents?",
      "you-can-register": "You can register as an individual agent without CAC or business name documents. However, it is mandatory to have these documents if you wish to operate as a Business ",
      "must-i-have": "Must I have a registered business before I can be a agent?",
      "you-do-not": "You do not need to have a registered business before you can be an agent. You can register as an Individual Agent with your BVN ",
      "what-do-i-after": "What do I do after registering as a RemitaAgent agent?",
      "start-performing-transactions": "Start performing transactions and earning commissions ",
      "fees-transaction-limit": "FEES & TRANSACTION LIMIT ",
      "how-soon-can": "How soon can I begin transactions after my registration ",
      "once-all-preenrollment": "Once all pre-enrollment requirements are fulfilled, you can process transactions immediately ",
      "what-are-the": "What are the fees for transaction processing?",
      "our-fees-vary": "Our fees vary for different types of transactions. However, they are in accordance with CBN regulations and are the cheapest in the market ",
      "how-much-is": "How much is my daily transaction limit?",
      "transaction-limits-are": "Transaction limits are tied to KYC levels ",
      "kyc-level": "KYC Level 1 ",
      "kyc-level-2": "KYC Level 2 ",
      "kyc-level-no": "KYC Level 3: No transaction limit ",
      "how-can-i": "How can I increase my transaction limit?",
      "you-can-increase": "You can increase your transaction limit by Upgrading your KYC, and providing an Aggregator ID on the mobile app ",
      "how-much-does": "How much does RemitaAgent charge for POS withdrawal?",
      "charges-depend-on": "Charges depend on the transaction amount. Also, all details will be shared as soon as your enrollment is completed ",
      "settings": "SETTINGS ",
      "can-i-use": "Can I use the app on two different phones?",
      "yes-you-can-use": "Yes, you can use the RemitaAgent App on any number of phones. You need to download the mobile app and provide your login details to enable you access your profile. We however advise our users to minimize the number of devices they use to access their profile on in order to prevent data breach and fraud ",
      "security": "SECURITY ",
      "what-happens-if": "What happens if my phone/SIM is lost, stolen or damaged?",
      "your-phone-number": "Your phone number is tied to your RemitaAgent account, and that is where you will receive the OTP to access your RemitaAgent profile. You need to retrieve your Sim in other to gain access to your profile. You can contact your aggregator, or send a mail to our support center for further assistance ",
      "can-i-change": "Can I change my Account Password?",
      "yes-you-can": "Yes you can change your account password. Click on the menu icon on the right top corner of the dashboard, select security, and choose the “change account password” option ",
      "what-do-i-forget": "What do I do when I forget my Password?",
      "a-click-on": "A. Click on the “Reset password” option on the login screen and follow the instructions sent to your registered email address ",
      "what-do-i-receive": "What do I do when I receive an error on my POS?",
      "the-following-errors": "The following errors are possible to occur on your POS:",
      "communication-error": "Communication error ",
      "ssl-connection-failure": "SSL Connection failure ",
      "wave-lost-try": "Wave lost. Try again ",
      "to-troubleshoot-these": "To troubleshoot these errors, please turn off the POS for about one minute, then turn it back on and try again. If you still have the same problem, please contact your assigned aggregator for support or reach out to RemitaAgent Help/Support on the app or contact the Customer Care line ",
      "what-do-i-if": "What do I do if there is a Wave Lost error?",
      "if-the-power": "If the power cord is plugged in when processing a transaction, unplug the power cord and try again to process a transaction ",
      "if-it-doesnt": "If it doesn’t work, remove the battery, wait for 60 seconds and reattach back to the terminal ",
      "press-and-hold": "Press and hold the enter button until it turns on ",
      "what-do-i-there": "What do I do if there is a Communication Error?",
      "please-turn-the": "Please turn the POS terminal off and leave for 30 seconds (please ensure the screen is blank)",
      "remove-the-sim": "Remove the Sim Card from of the device and wipe the metal chip on the Sim ",
      "reinsert-the-sim": "Reinsert the Sim and turn the terminal back on ",
      "what-do-i-internet": "What do I do if there is an Internet Connection Failure?",
      "try-rebooting-your": "Try rebooting your router, restarting your card machine ",
      "remove-wifi-profile": "Remove Wi-Fi profile and re-add it ",
      "transaction-disputes": "TRANSACTION DISPUTES ",
      "what-do-i-transaction": "What do I do when a transaction is made via the POS but I do not see the funds credited in my wallet?",
      "please-report-this-immediately": "Please report this immediately through the Help/Support option on the App ",
      "how-long-does": "How long does it take for a reversal to happen?",
      "the-system-autoreverses": "The system auto-reverses unsuccessful transactions within 24 hours. If you do not receive a reversal within the stipulated time, kindly contact your aggregator or our support centers for assistance ",
      "what-do-i-pos": "What do I do if my POS shows that the reversal is approved but cardholder’s account is still debited?",
      "please-request-for": "Please request for the cardholder to resolve this with their bank. They will be required to fill the error dispense form at their respective bank ",
      "what-do-i-double": "What do I do if there are double debits on my wallet for a single transaction?",
      "remitaagent-wallet-id": "RemitaAgent wallet ID ",
      "bank-account-involved": "Bank account involved in the transaction ",
      "transfer-amount": "Transfer amount ",
      "transaction-references": "Transaction reference(s)",
      "what-do-i-mistake": "What do I do when I mistakenly transfer money to a wrong account number?",
      "if-you-sent": "If you sent money to the wrong account number, we suggest you contact the recipient to recover your money. You can also reach out to the support center to provide assistance ",
      "what-do-i-debited": "What do I do when I am debited more than what is in my wallet?",
      "please-send-your": "Please send your bank statement with the time period to the Help/Support page on the RemitaAgent app ",
      "what-do-i-wallet": "What do I do when my wallet gets debited and the person did not receive the money I sent?",
      "please-report-this": "Please report this immediately through the Help/Support option on the App. Remember to include the transaction number and a screenshot of the transaction receipt ",
      "what-do-i": "What do I do when I receive a debit alert but there is no credit in my wallet?",
      "please-contact-helpsupport": "Please contact Help/Support page on the app ",
      "cards": "CARDS ",
      "what-bankcards-can": "What bankcards can be used on RemitaAgent?",
      "we-accept-all": "We accept all Debit and Credit cards issued by Deposit Money Banks in Nigeria ",
      "who-do-i": "Who do I call or talk to if I need information or run into any problems while using the RemitaAgent application?",
      "you-can-contact": "You can contact your aggregator or chat with us via the chat Help/Support option on the app. You may also reach us via ",
      "remitaagentremita-net": "remitaagent@remita.net "
    },
    "footer": {
      "who-we-are": "Who we are",
      "what-we-offer": "What we offer",
      "partners": "Partners",
      "support": "Support",
      "blog": "Learn more",
      "others-we-serve": "Others we serve",
      "license-by-cbn": "Licensed by the Central bank of Nigeria",
      "ndpr": "Nigeria Data Protection Regulation - NDPR audit compliant",
      "our-processes": "Our processes meet internationally recognized standards for quality and consistency.",
      "our-organisation": "Our organisation conforms to the Payment Card Industry Data Security Standard (PCI-DSS).",
      "organisations": "Organisations",
      "small-medium-enterprises": "Small & Medium Services",
      "large-enterprises": "Large Enterprises",
      "financial-institutions": "Financial Institutions",
      "fintechs-aggregators": "Fintechs & Aggregators",
      "public-sector": "Public Sector",
      "churches-ngos": "Religious Organisations & NGOs",
      "agency-banking": "Agency Banking",
      "individuals": "Individuals",
      "developers": "Developers",
      "make-payments": "Make Payments",
      "receive-payments": "Receive Payments",
      "api-services": "API Services",
      "data-referencing": "Data Referencing",
      "vas": "Value-Added Services (VAS)",
      "how-tos": "Help Desk",
      "pricing": "Pricing",
      "terms-&-conditions": "Terms & Conditions",
      "our-company": "Our Company",
      "careers-at-remita": "Careers at Remita",
      "personal-letter": "From the MD’s Desk",
      "blog-home": "Blog",
      "featured": "Featured",
      "product-updates": "Product Updates",
      "engineering-&-design": "Engineering & Design",
      "company-news": "Company News",
      "life-at-remita": "Life at Remita",
      "grow-your-business": "Grow your business with ease",
      "making-payments-simple": "Making Payments Simple and ",
      "accessible": " Accessible",
      "everything-you-need": "Everything You Need to Accept Online Payments. Pay anyone, anytime, anywhere with the go-to payment platform",
      "copyright-icon": "© ",
      "rpsl": " RPSL",
      "remita-payment-systems": "Remita Payment Services Limited",
      "plot": "Plot B22 Chief Yesufu Abiodun Road, Oniru Victoria Island, Lagos, Nigeria",
      "info": "info@remita.net",
      "linkedin": "Linkedin",
      "facebook": "Facebook",
      "twitter": "Twitter",
      "chainlink": "chainlink",
      "links-header": "Links Header",
      "footer-link": "Footer link",
      "manage-your-payments": "Manage your payments with ease",
      "we-have-designed": "We have designed new experiences to give you power over your money and help you spend wisely. Download the app now",
      "plot-b-yesufu": "Plot B22, Yesufu Abiodun",
      "oniru-road": "Oniru Road",
      "oniru-lagos-nigeria": "Oniru, Lagos, Nigeria",
      "instagram": "Instagram",
      "contact-us": "Contact Us",
      "num-1": "+234-1-6367000",
      "num-2": "+234700-7877678",
      "remitaagentremita-net": "remitaagent@remita.net",
      "more": "More",
      "about-us": "About us",
      "privacy-policy": "Privacy Policy",
      "terms-of-use": "Terms of Use",
      "cookies-policy": "Cookies Policy",
      "join-our-newsletter": "Join Our Newsletter",
      "enter-email": "Enter email",
      "submit": "Submit",
      "will-send-you": "* Will send you weekly updates for your better finance management",
      "copyright": "Copyright ©",
      "systemspecs": "SystemSpecs"
    },
    "header": {
      "who-we-are": "Who we are",
      "what-we-offer": "What we offer",
      "who-we-serve": "Who we serve",
      "we-serve": "we serve",
      "our-company": "Our company",
      "get-a-glimpse": "Get a glimpse of who we are as an organisation",
      "contact-us": "Contact Us",
      "for-any-related": "For any related or unrelated issue",
      "careers-at-remita": "Careers at Remita",
      "come-join": "Come join the family",
      "in-the-news": "In the News",
      "see-all-trends": "See all trends within the fintech industry",
      "see-our-blog": "See our blog",
      "our-inhouse-blogs": "Our in-house blogs curated with content from different departments",
      "our-ceos-personal": "Our CEO’s Personal note",
      "a-personal-letter": "A personal letter from our CEO",
      "deremi-atanda": "DeRemi Atanda",
      "executives": "Executives Corner",
      "visit": "Visit blog",
      "sign-up": "Sign Up",
      "remita-corporate": "Remita Corporate",
      "business-centa": "Business Centa",
      "agent-centa": "Agent Centa",
      "integration-centa": "Integration Centa",
      "report-centa": "Report Centa",
      "tams": "TAMS",
      "all-remita-apps": "all remita apps",
      "make-payments": "Make Payments",
      "receive-payments": "Receive Payments",
      "api-services": "API Services",
      "agency-banking": "Agency Banking",
      "switching": "Switching",
      "data-services": "Data Services",
      "vas": "Value-Added Services (VAS)",
      "easily-pay-salaries": "Easily pay salaries, vendors, taxes, pensions, social disbursements etc.",
      "receive-payments-through": "Receive payments through our payment gateway, direct debit, merchant portal etc.",
      "connect-with-our": "Connect with our robust API and SDK offerings.",
      "extend-financial-services": "Extend financial services to the underbanked and unbaked.",
      "easily-process": "Easily process transactions using Remita Switch.",
      "validate-customer": "Validate customer information for financial and non-financial purposes.",
      "vending-micro-pensions": "Vending, micro-pensions, lifestyle, credit referrals etc.",
      "organizations": "Organizations",
      "partners": "Partners",
      "individuals": "Individuals",
      "agent-banking": "Agent Banking",
      "small-medium-enterprises": "Small & Medium Services",
      "large-enterprises": "Large Enterprises",
      "financial-institutions": "Financial Institutions",
      "religious-organisations": "Religious Organisations & NGOs",
      "fintechs-aggregators": "Fintechs & Aggregators",
      "public-sector": "Public Sector",
      "remita-for-personal": "Remita for Personal use",
      "for-integration-purposes": "For Integration Purposes",
      "for-documentation": "For Documentation",
      "integrator-centa": "IntegratorCenta",
      "remita-connect": "Remita Connect",
      "payments-collections": "Payments & collections for small-scale enterprises",
      "for-large-companies": "For every business size, with customisable approval workflows",
      "for-banks-other": "For banks and other financial institutions",
      "for-churches-other": "For churches, other religious organisations and NGOs",
      "for-fintech-startups": "For fintech, startups and other aggregators",
      "for-governments": "For governments; federal/national, state/regional and LGA/municipal.",
      "download-remita": "Download Remita mobile app for a seamless experience.",
      "connect-remita": "Connect and use Remita in your products.",
      "integrate-business": "Integrate your business with our services",
      "extend-financial": "Extend financial services to the underbanked and unbaked.",
      "agents": "Agents",
      "products": "Products",
      "faqs": "FAQs",
      "business": "Business",
      "msme": "MSME",
      "for-small-and": "For small and medium businesses focused on selling",
      "for-governments-ministries": "For Governments ministries, departments and agencies",
      "developers": "Developers",
      "support": "Support",
      "marketplace": "Marketplace",
      "login": "Login",
      "logout": "LogOut",
      "toggle-navigation": "Toggle navigation",
      "remita": "Remita",
      "remita-retail": "Remita Retail"
    },
    "home": {
      "ai-link-text": "Talk to Remita Assistant",
      "remita-launches": "Remita launches AgentCenta, the long awaited play in its agent banking vertical.",
      "learn": "Learn More",
      "learn-about": "Learn about making payments",
      "easy-payments": "Easy payments for Everyone Everywhere",
      "we-are": "Your trusted partner for payment solutions in Africa.",
      "salary": "Salaries",
      "pension": "Pensions",
      "funds": "Funds transfers",
      "supplier-payment": "Supplier payments",
      "taxes": "Taxes",
      "card": "Card payments",
      "social": "Social disbursments",
      "hajiri": "Hajiri Hassan - 0012783740",
      "philip": "Philip Oyebanji - 8063830983",
      "chisom": "Chisom Okeh - 5600909933",
      "tega": "Tega Bassey  - 3098987465",
      "120": "₦120,000",
      "search-bills-products": "Search bills, products and services...",
      "what-do-you-want-to-do": "What do you want to do?",
      "buy-airtime": "Buy Airtime",
      "buy-data": "Buy Data",
      "buy-electricity": "Buy Electricity",
      "pay-cable-tv": "Pay Cable TV",
      "pay-water": "Pay Water",
      "pay-government": "Pay Government",
      "pay-bills": "Pay Bills",
      "pay-taxes": "Pay Taxes",
      "salary-and-statutory": "Salary & Statutory",
      "resend-receipt": "Resend Receipt or Inv..",
      "direct": "Direct Debit & Standing or..",
      "pay-rrr": "Pay RRR",
      "buy-waec-pin": "Buy WAEC PIN",
      "buy-jamb": "Buy Jamb",
      "view": "View All",
      "back-to-main": "BACK TO MAIN",
      "individuals": "Individuals",
      "businesses": "Businesses",
      "developers": "Developers",
      "integrators": "Integrators & Resellers",
      "agent-banking": "Agency Banking",
      "our-solution": "Our Solutions",
      "built-to": "Built to serve your ",
      "every-payment": "every payment need",
      "remita-has": "Remita has powered payments experiences for",
      "for-more-than": "For more than ",
      "twenty-years": "20 years,",
      "remita-has-delivered": "Remita has delivered trusted payment experiences.",
      "enjoy-with-us": "With us, you enjoy easy, secure, and reliable payment technology.",
      "over-three": " over three decades.",
      "our-partnership": "Our partnership with you ensures easy, secure and reliable payments technology.",
      "make-receive": "Make Payments",
      "make-single": "Make single and bulk payments to billers, individuals (both banked and unbanked) for both instant and recurring payments.",
      "making-payments": "Learn about Making Payments",
      "api-services": "API services",
      "get-api": "Get API",
      "businesses-and-individuals": "Businesses and individuals can make payments and collect money easily through our channels, POS and APIs.",
      "receiving": "Receiving Payments",
      "receive": "Receive payments",
      "leveraging": "Leveraging our Payment Gateway, POS, Merchant Collections Portal or APIs, you can receive instant and recurring payments.​",
      "terminals": "POS Terminals",
      "get-devices": "Get devices and manage them easily with our terminal management system. Simplify the process of organizing and overseeing devices to collect payments",
      "order-now": "Order now",
      "merchant": "Merchant Services",
      "join-our": "Join our growing list of businesses on Remita to seamlessly receive payments and expand your business reach.",
      "become-a-merchant": "Become a Merchant",
      "biller-aggregation": "Biller Aggregation",
      "learn-biller": "Learn more about Biller Aggregation",
      "connect-to": "Connect to over 5,000 billers on Remita, simplifying your transactions, streamlining operations  and expanding your business reach.",
      "one-platform": "One platform. Thousands of billers. Easier payments, faster collections.",
      "payment-rails": "Payment Rails",
      "connect-with-our": "Connect with our robust API and SDK offerings.",
      "explore-payment": "Explore Payment Rails",
      "payments": "Learn about Payments",
      "receiving-payments": "Learn about receiving payments",
      "pos-terminals": "Learn about POS Terminals",
      "agency": "Learn about Agency Banking",
      "billers": "Explore our Billers",
      "explore-our-switching": "Explore Switching",
      "because-remita": "Because Remita APIs make it so simple to test APIs while on the go, I have had a terrific overall experience with them. This is one of the best collections available; it offers what a quality API testing platform should have, including a very comprehensive and user-friendly UI.",
      "anika": "Anika Dokidis",
      "ceo": "CEO, Some Important Company",
      "yusuf": "Yusuf Aina",
      "nike": "Nike Adesanoye",
      "become": "Become a partner",
      "your-trusted": "Your trusted payments partner in Africa",
      "payment-service": "Payment Service Provider of the year",
      "cbn-naira": "CBN eNaira Awards, 2022",
      "best-corporate": "Best Corporate Payment Platform",
      "nigeria-fintech": "Nigeria Fintech Awards, 2022",
      "best-lending": "Best Lending Support Service Provider",
      "our-promise": "Our Promise: ",
      "to-enable": "Enable everyone everywhere do more by simplifying payments",
      "deremi": "’DeRemi Atanda",
      "ceo-notes": "CEO Notes, 2024",
      "beyond": "Beyond all we have achieved, we remain committed to every individual and business, big or small, pushing boundaries to make your payments even easier.",
      "see-more": "See more...",
      "a-personal": "A personal letter from our CEO",
      "read": "Read this letter",
      "mins-read": "2 MINS READ",
      "remita-at": "Remita at Nigeria Startup Festival",
      "visit": "Visit Our Blog",
      "language": "Language: {{language}}",
      "become-biller": "Become a biller",
      "get-pos": "Get POS Terminals",
      "stay": "Stay ",
      "in-the": "in the loop!",
      "subscribe-to": "Subscribe to our newsletter for the latest updates, exclusive insights, and a look at how we use technology to build a financial powerhouse.",
      "email": "Enter your email address",
      "subscribe": "Subscribe"
    },
    "all-billers": {
      "back-to-main": "BACK TO MAIN",
      "search-bills-products": "Search bills, products and services...",
      "buy-airtime": "Buy Airtime",
      "buy-data": "Buy Data",
      "buy-electricity": "Buy Electricity",
      "pay-cable-tv": "Pay Cable TV",
      "pay-water": "Pay Water",
      "pay-government": "Pay Government",
      "pay-bills": "Pay Bills",
      "pay-taxes": "Pay Taxes",
      "salary-and-statutory": "Salary & Statutory",
      "resend-receipt": "Resend Receipt or Inv..",
      "direct": "Direct Debit & Standing or..",
      "pay-rrr": "Pay RRR",
      "buy-waec-pin": "Buy WAEC PIN",
      "buy-jamb": "Buy Jamb",
      "TELCO": "Please select your TELCO provider",
      "MTN": "MTN",
      "GLO": "GLO",
      "AIRTEL": "AIRTEL",
      "9MOBILE": "9MOBILE",
      "SMILE": "SMILE",
      "TIZETI": "TIZETI",
      "DISCO": "Please select your DISCO",
      "buy-meter": "BUY METER",
      "AEDC": "ABUJA ELECTRICITY DISTRIBUTION COMPANY (AEDC)",
      "aba-power": "Aba Power Limited Electric (Geometric Power)",
      "benin-electricity": "BENIN ELECTRICITY DISTRIBUTION COMP",
      "eko-electricity": "EKO ELECTRICITY DISTRIBUTION PLC",
      "EEDC": "Enugu Electricity Distribution Company (EEDC)",
      "ikeja-electric": "IKEJA ELECTRIC",
      "IBEDC": "Ibadan Electricity Distribution Company (IBEDC)",
      "jos-electricity": "JOS ELECTRICITY DISTRIBUTION COMPANY",
      "KEDCO": "KEDCO (KADUNA ELECTRICITY DISTRIBUTION COMPANY)",
      "kano-electricity": "Kano Electricity Distribution Company (KEDCO)",
      "PHED": "PORT HARCOURT ELECTRICITY DISTRIBUTION COMPANY (PHED)",
      "RCCG": "RCCG ELECTRICAL POWER DEPARTMENT",
      "YEDC": "Yola Electricity Distribution Company (YEDC)",
      "CABLE": "Please select your CABLE provider",
      "DSTV": "DSTV",
      "GoTV": "GoTV",
      "startimes": "Startimes",
      "pay-fgn-tsa": "Pay FGN and State TSA",
      "FGN": "FGN: Federal Government Of Nigeria",
      "abia": "ABIA STATE GOVERNMENT",
      "adamawa": "ADAMAWA STATE GOVERNMENT",
      "anambra": "ANAMBRA STATE GOVERNMENT",
      "bauchi": "BAUCHI STATE GOVERNMENT",
      "benue": "BENUE STATE GOVERNMENT",
      "borno": "BORNO STATE GOVERNMENT",
      "delta": "DELTA STATE JUDICIARY",
      "ekiti": "EKITI STATE GOVERNMENT",
      "enugu": "BORNO STATE GOVERNMENT",
      "fct": "FEDERAL CAPITAL TERRITORY ADMIN",
      "gombe": "GOMBE STATE GOVERNMENT",
      "imo": "IMO STATE INTERNAL REVENUE",
      "jigawa": "JIGAWA STATE GOVERNMENT",
      "kaduna": "KADUNA STATE GOVERNMENT TSA",
      "kano": "KANO STATE GOVERNMENT",
      "kogi": "KOGI STATE GOVERNMENT",
      "kwara": "KWARA STATE GOVERNMENT",
      "lagos": "LAGOS STATE GOVERNMENT",
      "lagos-model": "LAGOS STATE MODEL COLLEGES AND UPGRADED SCHOOLS",
      "nasarawa": "NASARAWA STATE GOVERNMENT",
      "niger": "NIGER STATE GOVERNMENT",
      "nnpc-limited": "NNPC Limited (NNPC)",
      "nnpc-retail": "NNPC RETAIL LIMITED",
      "plateau": "PLATEAU STATE GOVERNMENT",
      "sokoto": "SOKOTO STATE GOVERNMENT",
      "yobe": "YOBE STATE GOVERNMENT",
      "zamfara": "ZAMFARA STATE GOVERNMENT",
      "bills-purchases": "Bills & Purchases",
      "mtn-bills": "Pay MTN Bills",
      "pay-billers": "Pay Billers",
      "pay-rrr-invoice": "Pay RRR Invoice",
      "micro-pension": "Micro Pension",
      "stanbic-pension": "Stanbic IBTC Future Me Plan",
      "fcmb-pension": "FCMB Micro Pension",
      "tangerine-pension": "Tangerine APT Pensions",
      "leadway-pension": "Leadway Micro Pension Plan",
      "crusader-pension": "Crusader Micro Pension Plan",
      "norrenberger-pension": "Norrenberger Micro Pension Plan",
      "radix-pension": "Radix Micro Pension Plan",
      "oak-pension": "Oak Micro Pension Plan",
      "abia-revenue": "Abia State Internal Revenue Service",
      "adamawa-revenue": "Adamawa State Internal Revenue Service",
      "akwaibom-revenue": "Akwaibom State Internal Revenue Service",
      "anambra-revenue": "Anambra State Internal Revenue Service",
      "bauchi-revenue": "Bauchi State Internal Revenue Service",
      "bayelsa-revenue": "Bayelsa State Internal Revenue Service",
      "benue-revenue": "Benue State Internal Revenue Service",
      "borno-revenue": "Borno State Internal Revenue Service",
      "cross-river-revenue": "Cross River State Internal Revenue Service",
      "delta-revenue": "Delta State Internal Revenue Service",
      "ebonyi-revenue": "Ebonyi State Internal Revenue Service",
      "edo-revenue": "Edo State Internal Revenue Service",
      "ekiti-revenue": "Ekiti State Internal Revenue Service",
      "enugu-revenue": "Enugu State Internal Revenue Service",
      "fctirs": "Federal Capital Territory Internal Revenue Service (FCTIRS)",
      "firs": "Federal Inland Revenue Service (FIRS)",
      "gombe-revenue": "Gombe State Internal Revenue Service",
      "imo-revenue": "Imo State Internal Revenue Service",
      "jigawa-revenue": "Jigawa State Internal Revenue Service",
      "kaduna-revenue": "Kaduna State Internal Revenue Service",
      "kano-revenue": "Kano State Internal Revenue Service",
      "katsina-revenue": "Katsina State Internal Revenue Service",
      "kebbi-revenue": "Kebbi State Internal Revenue Service",
      "kogi-revenue": "Kogi State Internal Revenue Service",
      "kwara-revenue": "Kwara State Internal Revenue Service",
      "lagos-revenue": "Lagos State Internal Revenue Service",
      "nassarawa-revenue": "Nassarawa State Internal Revenue Service",
      "niger-revenue": "Niger State Internal Revenue Service",
      "ogun-revenue": "Ogun State Internal Revenue Service",
      "ondo-revenue": "Ondo State Internal Revenue Service",
      "osun-revenue": "Osun State Internal Revenue Service",
      "oyo-revenue": "Oyo State Internal Revenue Service",
      "plateau-revenue": "Plateau State Internal Revenue Service",
      "rivers-revenue": "Rivers State Internal Revenue Service",
      "sokoto-revenue": "Sokoto State Internal Revenue Service",
      "taraba-revenue": "Taraba State Internal Revenue Service",
      "yobe-revenue": "Yobe State Internal Revenue Service",
      "zamfara-revenue": "Zamfara State Internal Revenue Service",
      "pay-tax": "Pay Tax",
      "pay-salaries-statutory": "Pay Salaries & Statutory Payments",
      "pay-salaries": "Pay Salaries",
      "upload-pension": "Upload Pension Schedule",
      "upload-nhf": "Upload NHF Schedule"
    },
    "individuals": {
      "do-more": "DO MORE ",
      "for-your": " for your ",
      "personal-finance": " personal finance",
      "we-have-designed": "We have designed new experiences to give you power over your money and help you spend wisely. Download the app now",
      "experience": "experience",
      "one": "one",
      "app": "app",
      "hundred": "100",
      "ten": "10",
      "security-on-all": "security on all savings",
      "and-investments": "and investments",
      "two-four": "24",
      "hours-customer": "hours customer",
      "support": "support",
      "years-banking": "years banking",
      "our-features": "Our features",
      "powerful-features-to": "Powerful features to ensure your seamless payment processing",
      "remita-wallet": "Remita wallet",
      "enjoy-the-convenience": "Enjoy the convenience of a virtual wallet, where you can securely store and manage your money",
      "statement-of-wallet": "Statement of wallet",
      "generate-a-comprehensive": "Generate a comprehensive statement of your virtual wallet activity, helping you stay organized and in control of your finances",
      "security-and-privacy": "Security and privacy",
      "trust-in-topnotch": "Trust in top-notch security measures to protect your data, transactions, and financial information",
      "remita-mobile-all": "Remita mobile: All you need in one app",
      "remita-mobile": "Remita mobile: All you need in",
      "our-solutions-empower": "Our solutions empower you to securely and seamlessly manage payments and collections, regardless of your size or industry",
      "sign-up": "Sign up",
      "testimonials": "Testimonials",
      "what-are-our": "What are our customers saying",
      "chibuzor": "Chibuzor",
      "lorem-ipsum-dolor": "Lorem ipsum dolor sit amet consectetur adipisicing elit. Nihil provident veniam at placeat. Nulla deserunt voluptate delectus doloribus blanditiis, atque voluptatem hic mollitia quae a quos rerum ut at culpa",
      "previous": "Previous",
      "next": "Next",
      "micheal": "Micheal"
    },
    "merchant-info": {
      "remita-centa": "RemitaCenta for",
      "merchants": "Merchants",
      "remita-net": "remita.net",
      "as-a-business": "as a business",
      "complete-your-kyc": "Complete your KYC",
      "add-your-bank": "Add your bank account",
      "request-for-pos": "Request for POS"
    },
    "large-corporations": {
      "corporates": "Corporate that use Remita report a 20% increase in compliance and less stress for their finance department",
      "try-it": "Try it now",
      "one-stop-collection": "One stop collections and payments platform",
      "a-multichannel-experience": "A multi-channel experience for collections, payments, and compliance, built to scale with you.",
      "See-SMEs": "See SMEs",
      "trusted-by": "TRUSTED BY OTHER LARGE CORPORATES",
      "payments": "PAYMENTS",
      "automate": "Automate ",
      "your-corporate": "your corporate payment processes",
      "salaries": "Salaries",
      "taxes": "Taxes",
      "pensions": "Pensions",
      "other-statutory": "Other Statutory Payments",
      "paying-salaries": "Paying salaries has never been easier",
      "remita-empowers": "Remita empowers businesses and corporates to make scheduled or instant bulk payments of wages and salaries to bank accounts and mobile wallets of employees.",
      "remove-the-hassle": "Simplify how you pay all your taxes.",
      "our-user-friendly": "Paying taxes just got easier. Our user-friendly platform makes every transaction simple, efficient, and stress-free.",
      "help-your": "Support your beneficiaries in securing a comfortable retirement.",
      "assist-your": "Empower your beneficiaries to build a strong retirement plan. Our easy-to-use tools make securing a stable future simple and stress-free.",
      "effectively-make": "Effectively make other statutory payments",
      "make-other-remittances": "You can also make other remittances into National Housing Fund, National Social Insurance Trust Fund, Industrial Training Fund, National Housing Insurance Fund and others.",
      "collections": "COLLECTIONS",
      "multiple-options-for-you": "Multiple options for your ",
      "improved-collections": "customers to pay you",
      "receive-payments": "Receive payments easily through a wide range of secure and convenient channels.",
      "card": "Card",
      "bank-transfer": "Bank Transfer",
      "internet": "Internet Banking",
      "ussd": "USSD",
      "cash": "Cash",
      "pos": "POS",
      "standing-order": "Standing Order",
      "agents": "Agents",
      "phone-number": "Phone Number",
      "bank-branch": "Bank Branch",
      "administration": "ADMINISTRATION",
      "manage-your": "Manage your entire business from a ",
      "single-unified-dashboard": "single, unified dashboard",
      "get-visibility": "Get visibility on transactions, track performance, and make informed decisions in real time.",
      "business-analytics": "Business Analytics: ",
      "get-deep-insight": "Get deep insights into your business performance.",
      "payment-and-collection": "Payments & Collections Tracking: ",
      "monitor-all": "Monitor all transactions across your organisation in one place.",
      "insights": "Insights",
      "having-more-channels": "Having more channels of collections help cover more grounds and in turn generate your business more revenue.",
      "mobile-app": "MOBILE APP",
      "track-your": "Track your ",
      "business-on": "business on-the-go",
      "effectively-track": "Effectively track and manage your business while on the go using our Remita Mobile App.",
      "sign-up": "Sign up your business in minutes.",
      "verify-your": "Verify your business information.",
      "start-reaping": "Start reaping benefits that comes with it.",
      "why-use-many": "Why use many apps to track your business, when all you need is embedded within a single  user-friendly dashboard",
      "tips": "Tips",
      "you-dont-always": "You don't always have to be in office to know how your business is performing. Do that with our mobile application",
      "coming-soon": "Coming soon...",
      "integrate-with": "INTEGRATE WITH US",
      "attain-fast": "Attain fast payment processing by seamlessly incorporating our APIs.",
      "save-engineering": "Save engineering time with our payments functionality, we expertly navigate gateways.",
      "create": "Create ",
      "your": "your corporate account in minutes",
      "start-managing": "Manage your Payments & Collections in a single place.",
      "contact": "Contact Support",
      "see-documentation": "See documentation"
    },
    "fintechs-and-aggregators": {
      "fintechs-and-aggr": "FOR FINTECHS AND AGGREGATORS",
      "build-on": "Build on proven ",
      "infrastructure": "infrastructure",
      "remita-provides-rails": "Remita provides reliable rails for fintechs, integrators, and aggregators, powering millions of transactions daily.",
      "use-remita-to": "You can use Remita to:",
      "process-collections": "Process collections and disbursements at scale.",
      "enable-bills-payment": "Enable bill payments across electricity, TV, telcos, education, and more.",
      "integrate-payment": "Integrate payment gateway and direct debit APIs.",
      "embed-financial-services": "Embed financial services into your apps and platforms.",
      "for-developers": "FOR DEVELOPERS",
      "apis": "APIs ",
      "that-scale-with-you": "that scale with you",
      "join-thousands-of-devs": "Join thousands of developers integrating Remita APIs to create payments and billing solutions faster.",
      "remita-has-apis-for": "Remita has APIs for: ",
      "instant-transfers": "Instant transfers (local & intra-African via PAPSS and other rails).",
      "vending": "Vending (airtime, data, electricity, TV, education, and more).",
      "direct-debit-and-recurring": "Direct debit and recurring payments.",
      "data-validation": "Data validation and verification.",
      "view-api-doc": "View API documentation",
      "why-build-with": "Why build with ",
      "trusted-infrastructure": "Trusted infrastructure.",
      "scalable-performance": "Scaleable performance.",
      "seamless-integration": "Seamless integration.",
      "broad-partnership": "Broad partnership.",
      "lets-simplify": "Let's simplify your ",
      "payment-system": "payment system",
      "join-ecosystem": "Join the ecosystem of fintechs and aggregators building on Remita’s rails to drive inclusion, innovation, and growth.",
      "the-rails": "The rails behind the financial ecosystem",
      "this-is-where": "This is where innovation meets possibility. We are not just another company; we are a community of dreamers, creators, and change-makers. Whether you're a seasoned entrepreneur or taking your first steps as a startup,",
      "remita": " Remita ",
      "payment-experiences": " payment experiences.",
      "remita-enables-fintechs": "Remita enables fintechs, aggregators, and developers to build, scale, and deliver seamless",
      "is-your": "is your launchpad.",
      "contact-us": "Contact Us",
      "our-solutions": "Our solutions take you from  ",
      "vision": "vision to reality ",
      "fast": "fast",
      "interbank": "Interbank Transfer Service",
      "process-real-time": "Process real-time payments for your customers directly on your platform via trusted banking rails",
      "payment-gateway": "Payment Gateway API",
      "receive-money": "Receive money via a variety of channels including cards, bank transfers, USSD etc.",
      "direct-debit": "Direct Debit API",
      "collect-loan": "Collect loan repayments, subscription payments and other recurrent payments from your customers at predefined intervals.",
      "merchant-collections": "Merchant Collections API",
      "extend-access": "Extend access to over 5,000+ businesses on the Remita platform to your customers via a single integration",
      "vending-suite": "Vending Suite",
      "allow-your": "Allow your customers pay for airtime, data, cableTV and electricity on your platform via a single integration.",
      "terminals": "Terminals",
      "issue-terminals": "Issue terminals to businesses on your platform for offline collections",
      "kyc-data": "KYC Data Checks",
      "perform-kyc": "Perform KYC on data verification on customers",
      "partnership": "PARTNERSHIP",
      "introduction-to": "Introduction to ",
      "relevant": "relevant partners",
      "our-network": "Our network of relevant partners are ready to collaborate with you, providing access to resources and expertise. Together, we can take your startup to new heights and achieve remarkable success. Work with us to connect with the right partners.",
      "strategic-alliance": "Strategic Alliances",
      "co-creation": "Co-Creation Opportunities",
      "networking": "Networking Events",
      "capital": "CAPITAL",
      "discretionary": "Discretionary ",
      "equity": "equity funding ",
      "for-startups": "for startups",
      "we-fuel": "We fuel innovation by providing discretionary equity funding to support your vision, whether you are starting your first venture or a seasoned entrepreneur.",
      "dive-into": "Dive into our discretionary equity pools designed to accelerate your growth.",
      "we-invest": "We invest in ideas that create positive change—because impact matters.",
      "consulting": "CONSULTING",
      "access-to": "Access to seasoned ",
      "technology": "technology experts",
      "understanding-that-technology": "Understanding that technology is the heartbeat of innovation, a network of seasoned tech experts has been curated to propel your startup forward.",
      "ready": "Ready to see",
      "to-see": " what happens when new ideas align",
      "punctuation": "?",
      "join-forces": "Join forces with like-minded visionaries, innovators, and catalysts. Whether you're an experienced entrepreneur or new to the startup world, we are here to serve as your launchpad.",
      "name": "Name",
      "enter-full-name": "Enter full name",
      "email": "Email Address",
      "enter-email": "Enter email address",
      "phone": "Phone Number",
      "enter-phone": "Enter phone number",
      "categories": "Categories",
      "solutions": "Solutions",
      "partnerships": "Partnerships",
      "consult": "Consulting",
      "additional": "Additional info? Send us a message",
      "write": "write your message",
      "send": "Send Message"
    },
    "small-medium-enterprises": {
      "accept-payments": "Accept payments  for your business seamlessly",
      "remita": "Remita  ",
      "empowers-you-to": "empowers you to manage and grow your business with ease. Seamless transactions, real-time monitoring, and all your favourite payment channels on one platform.",
      "see-large-corporates": "See Large Corporates",
      "collections": "Collections",
      "do-more": "Do more for your business with ",
      "multiple-channels": "multiple collection channels",
      "pos-terminals": "POS Terminals",
      "receive-payments": "Receive payments easily with our POS Terminals, made to collect all forms of payment e.g Card, Transfer, USSD & Cash",
      "secure-payment": "Secure Payment Gateway",
      "smart-web-payment": "A smart Web payment channel, allowing your customer make payment to you, fast and easy",
      "custom-payment-links": "Share Custom Payment Links",
      "boost-cashflow": "Boost your cashflow conveniently send payment links to your customers. it’s about convenience that translates into increased revenue.",
      "operations": "Operations",
      "everything-you-need": "Everything you need as a merchant ",
      "for-your-business": "for your business",
      "integrated-services": "Integrated Services",
      "integrate-with-biller": "Integrate with our biller aggregation and vending APIS. Do more for your customers",
      "business-insight": "Business Insight",
      "make-every-decision": "Make every decision count with intelligent financial insight. It’s not just data; but a business compass towards success.",
      "track-transactions": "Track and manage all transactions",
      "provide-tools": "We provides you with the tools you need to stay on top of every transaction, ensuring smooth and efficient operations.",
      "teller-management": "Teller Management",
      "invite-tellers": "Invite tellers and oversee all their operations through our comprehensive teller management system.",
      "track-your-business": "Track your business ",
      "on-the-go": "on-the-go",
      "with-mobile-app": "With our mobile app, manage your business wherever you go, monitor sales and keep up with your staff. Live free and do more.",
      "download-from-the": "Download from the",
      "apple-store": "Apple store",
      "play-store": "Play store",
      "download-the-app": "Download the app",
      "get-the-app": "Get the app on the play store or apple store and create an account",
      "update-your-kyc": "Update your KYC",
      "after-creating-account": "After creating an account, update your information to help us identify you as our valued customer.",
      "start-receiving-payment": "Start receiving payment and many more",
      "information-verified": "Once your information is verified. Start receiving payments, monitoring products, managing your tellers, and exploring additional features",
      "integrate-with-us": "INTEGRATE WITH US",
      "attain-fast-payment": "Attain fast payment processing by seamlessly incorporating our APIs.",
      "save-engineering-time": "Save engineering time with our payments functionality, we expertly navigate gateways.",
      "see-documentation": "See documentation",
      "ready-to": "Ready to ",
      "take-your-business": "take your business to the next level?",
      "set-up-business": "Set up your business account swiftly and leverage Remita for seamless transactions, live monitoring, and unparalleled financial management.",
      "frequently-asked-questions": "FREQUENTLY ASKED QUESTIONS",
      "want-to-know": "Want to know more about ",
      "remita-merchant": "Remita Merchant?",
      "more-information": "More helpful information",
      "set-up-account": "How do I set up a Remita Merchant account?",
      "really-easy": "It's really easy! Go to Google Play or App store download RemitaCenta app. Then, follow the instructions to register your account. After setting up your account, you can proceed to using the dashboard to complete your KYC registration.",
      "documents-required": "What documents are required to complete my registration?",
      "proceed-with-registration": "Can I proceed with registration if I do not have the Corporate Affairs Commission (CAC) or business name documents?",
      "must-have-registered": "Must I have a registered business before I can be a Merchant?"
    },
    "financial": {
      "empowering": "Empowering ",
      "financial-inst": "financial institutions ",
      "to-serve-better": "to serve better",
      "remita-provide": "Remita provides secure, scalable infrastructure for banks and financial institutions to deliver seamless payments, transfers, and digital services across every customer segment.",
      "deposit-money": "DEPOSIT MONEY BANKS",
      "powering": "Powering ",
      "everyday-banking": "everyday banking",
      "remita-partners-with-banks": "Remita partners with licensed banks in managing deposits, lending, and payments, both locally and internationally.",
      "you-can-use-remita": "You can use Remita to:",
      "facilitate-instant": "Facilitate instant transfers and direct debits.",
      "enable-seamless": "Enable seamless cross-border transactions.",
      "offer-bills-payment": "Offer bill payments and digital services to customers.",
      "other-fin-inst": "OTHER FINANACIAL INSTITUTIONS",
      "connecting": "Connecting ",
      "everyone-everywhere": "everyone everywhere",
      "from-finance-companies": "From finance companies to PSBs and MMOs, Remita empowers licensed financial services provides to serve millions of customers.",
      "support-merchant": "Support merchant payments.",
      "power-agent": "Power agent networks for collections and disbursements.",
      "provide-bills": "Provide bills payments and digital services to customers",
      "leverage-data": "Leverage data services for risk management.",
      "specialized-inst": "SPECIALIZED INSTITUTIONS",
      "focused-solutions": "Focused solutions ",
      "for-niche": "for niche sectors",
      "remita-supports-specialized": "Remita supports specialized and development-focused financial entities to deliver targeted financial services efficiently.",
      "manage-disbursement": "Manage disbursements for special projects on agriculture, infrastructure, and SME financing.",
      "facilitate-donor": "Facilitate donor and investment funds payments.",
      "enable-secure": "Enable secure direct debit and transfer services.",
      "support-high-volume": "Support high-volume transactions with transparency and compliance.",
      "why": "Why ",
      "financial-institutions": "financial institutions ",
      "choose-remita": "choose Remita",
      "compliant": "Compliant with regulatory standards.",
      "built-to-handle": "Built to handle high transaction volumes reliably.",
      "works-with-core": "Works with core banking and digital channels.",
      "join-the-future": "Join the future ",
      "of-financial-services": "of financial services",
      "trust-remita": "Financial institutions trust Remita to power payments, drive innovation, and expand financial inclusion.",
      "microfinance": "MICROFINANCE BANKS",
      "extending": "Extending ",
      "financial-access": "financial access",
      "remita-enables-microfinance": "Remita enables microfinance banks reach low-income customers and small businesses with digital financial services.",
      "use-remita-to": "You can use Remita to:",
      "automate-payment": "Automate loan repayments and savings collections.",
      "offer-instant": "Offer instant transfers.",
      "manage-payment": "Manage payments for customers and agents.",
      "offer-bills-payment-to-customers": "Offer bill payments and digital services to customers.",
      "streamline-bank-office": "Streamline back-office operations through integrated APIs.",
      "partner": "Partner with us",
      "learn-more": "Learn more",
      "payments": "PAYMENTS",
      "integrate": "Integrate ",
      "bills-payments": "Bills payments and TSA ",
      "with-simple": "with simple APIs",
      "remita-users": "Remita users are empowered to make bills payments and TSA payments at any bank branch or other designated financial schemes.",
      "channels": "CHANNELS",
      "secure": "Secure and efficient ",
      "payment-channels": "payment channels and funds transfer",
      "integrate-payment": "Integrate payment collections for you and your clients easily from a wide range of channels provided by Remita.",
      "card": "Card",
      "bank-transfer": "Bank Transfer",
      "internet-banking": "Internet Banking",
      "ussd": "USSD",
      "cash": "Cash",
      "pos": "POS",
      "phone-number": "Phone Number",
      "bank-branch": "Bank Branch",
      "partnership": "PARTNERSHIP",
      "reliable-and-secure": "Reliable and secure ",
      "payment-partner": "payment partner",
      "remita-partners": "Remita partners with financial institutions to provide cutting-edge payment products tailored to enhance customer experience and drive digital transformation.",
      "solutions": "SOLUTIONS",
      "innovative-payment": "Innovative payment solutions",
      "leveraging": "By leveraging Remita's technology expertise, financial Institutions can offer their customers a wide range of innovative payment services that deliver convenience, security, and value.",
      "rits": "Remita Interbank Transfer Service (RITS)",
      "direct-debit": "Direct Debit",
      "payment-gateway": "Payment Gateway API",
      "biller-api": "Biller API",
      "white-labeled": "White-Labeled Agency Banking Suite",
      "vending": "Vending Suite API",
      "data-verification": "Data Verification",
      "inflight": "Inflight Collections",
      "achieve-more": "Want to achieve more? ",
      "try-our-fintech": "Try our fintech solutions today",
      "maximize": "Maximize your business potential with our payment solution. Enjoy smoother operations and stronger security. Start now for immediate benefits!"
    },
    "religious-organizations": {
      "easy": "Easy and secure way to receive your donations and payments",
      "remita": "Remita makes it easy for your religious community to give and make payments securely.",
      "contact": "Contact us",
      "because": "Because ",
      "giving": "giving & payments ",
      "should": "should be easy...",
      "simplified": "Simplified Payments & Giving",
      "simple": "Simple solutions to manage all your payments such as salaries, pensions, vendor payments, social disbursements, and giving, including tithes, offerings, pledges, and donations.",
      "easy-monthly": "Easy Monthly Remittance",
      "easy-and": "Enjoy easy, hassle-free transfer of funds from local parishes to headquarters or any designated account, with Remita, it is seamless.",
      "pos-terminal": "POS Terminals to Boost Giving",
      "we-offer": "We provide religious organisations with POS terminals to easily collect donations, offerings, pledges, tithes, and more.",
      "community": "Community Empowerment",
      "we-help": "We help religious bodies and NGOSs empower their members by making them POS agents through Remita Agent Banking.",
      "efficient": "Efficient Administration",
      "churches-can": "Organisations can buy data, airtime, pay electricity bills, transfer funds, and access a wide range of services to support smooth administrative operations.",
      "social-empowerment": "Social Empowerment",
      "individuals": "Organisations, individuals, or groups within those organisations can support their young ones by purchasing JAMB and WAEC forms on Remita.",
      "giving-made": "Giving ",
      "made": "made easier",
      "offerings": "Offerings, tithe, donations, gifts and much more",
      "online": "Giving during online streaming services.",
      "beyond": "Giving beyond boarders.",
      "religious": "Religious remittance ",
      "made-easier": "made easier",
      "administrative": "Payments for administrative and operational efficiencies.",
      "disbursement": "Social disbursements to the vulnerable.",
      "assistance": "Assistance for young members education.",
      "multiple": "Remittance across multiple branches",
      "make": "Make giving easier & faster for your members using our ",
      "qr": "QR-code platform",
      "scan": "Scan and give during service.",
      "enable": "Enable members to give during live stream services",
      "multi": "Multi-currency ",
      "currency-giving": "giving",
      "member": "Members can give USD, GBP and NGN.",
      "religion": "Religion can ",
      "do": "do more for your community.",
      "we": "We believe that ministering to people is at the center of our faith.",
      "partner-with": "Partner with us and free up funds management time for people empowerment and an impact driven ministry.",
      "partner": "Partner with us",
      "please": "Please fill the form and our business team would reach out soon",
      "name": "Full Name",
      "enter": "Enter full name",
      "email": "Email",
      "enter-email": "Enter email address",
      "phone": "Phone Number",
      "enter-phone": "Enter phone number",
      "categories": "Categories",
      "additional": "Additional info? Send us a message",
      "write": "write your message",
      "submit": "Submit"
    },
    "receive-payments": {
      "integrate-easily": "Easily integrate Remita payment gateway for collections across multiple channels, and reconcile transactions effortlessly.",
      "bank-account": "Bank Account",
      "stop-chasing-debt": "Stop chasing debts and unpredictable contributions. With our Direct Debit solution, you can automatically collect fixed or variable payments on specified dates.",
      "receive-payments-through": "Receive payments through ",
      "get-access-to-payemnt-methods": "Get access to all payments methods - online, card, or cash. With our POS terminals.",
      "make-sales-and-accept-payments": "Make sales and accept payments from anywhere, anytime, with our intuitive POS.",
      "track-your-payment": "Track cash payments effortlessly.",
      "receive-detailed-report": "Receive detailed transaction summaries at the close of every business day.",
      "receive-payments": "Receive payments easily for your business",
      "we-enable": "We enable businesses of all sizes to receive payments through integration with our multiple channels or directly through our  platform.",
      "make-payments": "Make payments",
      "elevate-customers": "Elevate customers satisfaction with our ",
      "payment": "payment gateway",
      "elevate": "Elevate customers satisfaction with ",
      "smooth": "smooth online payment",
      "collect-money": "Collect money online through your websites and mobile apps. Integrate Remita, get paid and easily reconcile transactions across multiple channels.",
      "unlock": "Unlock a world of payment convenience for your customers across your websites and mobile apps. Integrate Remita, get paid and easily reconcile transactions across multiple channels.",
      "bank": "Bank Transfer",
      "ussd": "USSD",
      "card": "Card",
      "internet": "Internet Banking",
      "phone": "Phone Number",
      "bank-branch": "Bank Branch",
      "cash": "Cash",
      "wallet": "Wallet and many more...",
      "create-an": "Create an account",
      "receive-recurring": "Receive recurring payments through our ",
      "direct-debit": "direct debit ",
      "solution": "solution",
      "say-goodbye": "Say goodbye to debt-chasing, unpredictable contributions and payments. Our solution gives the payee/creditor access to the bank account of the payer/debtor to seamlessly collect funds of fixed or variable amounts, on specified dates.",
      "collect-money-on": "Collect money on ",
      "pos": "POS devices ",
      "accept-all": "Accept all payments types: ",
      "whether-your": " Whether your payment is made online or with cash, our POS terminals helps you to monitor all transactions.",
      "make-sales": "Make sales anywhere: ",
      "track-your": "Track your cash payment: ",
      "end-of-day": "End of day report: ",
      "request-your": "Request your POS now",
      "manage-all-payment-received": "Manage all payments received ",
      "collect-payments-across": "Collect payments across multiple channels, online, on the web, via POS machines, and USSD.",
      "manage-tellers": "Manage your tellers and track every transaction with ease.",
      "from-a-sigle-centralized": "From a single centralized admin platform, manage all your collections without switching between systems.",
      "in-one-place": "in one place",
      "whether-you": "Whether you are a small business or a large corporate entity collecting money has never been easier.",
      "multiple-channels": "Multiple channels: ",
      "teller": "Teller management: ",
      "single-admin": "Single admin platform: ",
      "ready": "Ready to ",
      "optimize-your": "optimise your business's collections capabilities ",
      "to-the": "to the fullest?",
      "create": "Create an account or request for your POS today and start collecting payments through our multiple channels or directly on our collections platform.",
      "request-for": "Request for POS",
      "payment-gateway": "PAYMENT GATEWAY",
      "pos-terminals": "POS TERMINALS",
      "direct": "DIRECT DEBIT",
      "merchant-platform": "MERCHANT PLATFORM",
      "helping": "Helping businesses and lenders to ",
      "receive": "receive recurring payments ",
      "from": "from customers",
      "40": "40K",
      "payments-made": "Payments made averagely per annum",
      "100": "100K",
      "end-of": "End of day report generated in 2023",
      "your-collection": "Your collection solution on one device",
      "whether": "Whether you are a small business or a large corporate entity collecting money has never been easier",
      "control-your": "Control your collections on one platform"
    },
    "switching": {
      "instant-transfers": "Instant transfers, zero hassle",
      "move-money": "Move money in seconds. Fast, secure, and always reliable.",
      "talk": "Talk to us",
      "our-solution": "OUR SOLUTION",
      "enable": "Enable real-time transfers ",
      "for-banks-fintechs": "for banks, fintechs, and corporates",
      "power-instant-money-movement": "Now you can power instant money movement across, bank accounts and wallets for everyone, everywhere, and everytime.",
      "deliver-real-time-transfers": "Deliver real-time transfers across channels and accounts. Enhance liquidity, settlement speed, and customer experience with reliable, instant payment rails.",
      "for-banks": "For Banks",
      "for-fintechs": "For Fintechs",
      "for-corporates": "For Corporates",
      "build-smarter-payment": "Build smarter payment flows. Enable instant transfers, automated payouts, and scale innovative financial products with ease.",
      "pay-staff-and-partners": "Pay staff, vendors, and partners instantly. Eliminate settlement delays and keep your operations running smoothly every day. Suitable for business, governments, and not-for-profit organisations.",
      "instant-funds-transfer": "Instant fund disbursement for both single and bulk payments through a single API integration.",
      "seamless-instant-payment": "Seamless instant payments across the financial industry.",
      "unified-access": "Unified access that integrates effortlessly with your existing systems and digital touchpoint.",
      "superior-performance": "Superior performance with a 99.9% uptime guarantee.",
      "key-features": "KEY FEATURES",
      "why": "WHY US",
      "your-payment": "Your payment needs is ",
      "our-top": "our top priority",
      "we": "We help you facilitate electronic transactions smoothly across different payment channels.",
      "real-time-transfers": "Real-Time Transfers: ",
      "funds-move": "Funds move instantly between banks and wallets.",
      "always-on": "Always-On: ",
      "works-247": "Works 24/7. Even on weekends and holidays.",
      "multi-channel-support": "Multi-Channel Support: ",
      "api-web-integration": "API, web, and mobile-ready integrations.",
      "smart-routing": "Smart Routing: ",
      "ensures-speed": "Ensures speed, reliability, and efficiency.",
      "enterprise-grade-security": "Enterprise Grade Security: ",
      "advance-protection": "Protected by advanced encryption and compliance standards.",
      "ai-monitoring": "AI Monitoring: ",
      "enhance-performance": "To enhance overall payment performance.",
      "detailed-insight": "Detailed Insights: ",
      "real-time-tracking": "Real-time tracking and reporting for full transparency.",
      "and": "And many more...",
      "benefit": "BENEFIT",
      "your-route": "Your route to ",
      "secured": "secured transactions",
      "we-make": "We make use of sophisticated algorithms to determine the most efficient and secure solution for every transaction you make while using our solution.",
      "considerable": "Considerable transaction fees: ",
      "we-find": "We find the most cost-effective fee for your transaction to save you money.",
      "reliable": "Reliable network: ",
      "we-ensure": "We ensure your transaction goes through smoothly by selecting routes with reliable networks.",
      "top-notch": "Top-notch-security: ",
      "your-transaction": "Your transaction is protected with top-notch security measures to keep your information safe.",
      "regulatory": "Regulatory compliance: ",
      "make-sure": "We make sure your transaction follows all the necessary rules and regulations for a seamless experience.",
      "get-ready": "Get ready to enjoy ",
      "effortless": "effortless, speedy, and secure ",
      "payments": "payments",
      "create": "Create an account and say goodbye to payment worries and embrace effortless financial transactions with confidence. "
    },
    "billers": {
      "general": {
        "by-clicking": "By clicking ",
        "you-agree-to": ", you agree to our ",
        "terms-and-conditions": "Terms and Conditions",
        "and": " and ",
        "privacy-policy": "Privacy Policy",
        "reset": "Reset",
        "proceed": "Proceed",
        "click-here": "Click here",
        "generate-a-sample": " to generate a sample upload file.",
        "view-bank-codes": "View Bank codes",
        "next": "Next",
        "back": "Back",
        "submit": "Submit",
        "no-options-found": "No options found",
        "no-bank-found": "No bank found",
        "no-result": "No result found",
        "retry": "Retry",
        "no-additional-fields": "No additional fields required for this service",
        "search-unavailable": "We could not search billers just now. Please try again."
      },
      "airtime": {
        "select-network-provider": "Select network provider",
        "beneficiary-phone-number": "Beneficiary phone number",
        "payers-phone-number": "Payer’s phone number",
        "amount-to-recharge": "Amount to recharge",
        "enter-a-phone": "Enter a phone number",
        "enter-amount": "Enter amount"
      },
      "pay-rrr": {
        "remita-retrieval-reference": "Remita Retrieval Reference (RRR)",
        "bill-number": "Bill Number",
        "enter-rrr": "Enter RRR",
        "enter-bill-number": "Enter Bill Number"
      },
      "single-payment": {
        "coming-soon": "Coming Soon"
      },
      "upload-pension": {
        "single-payment": "Single Payment",
        "click-upload-file": "Click to upload file from storage",
        "upload-file": "Upload File",
        "upload-pension-file": "Upload Pension File",
        "click-here": "Click here",
        "to-generate-sample": " to generate a sample upload file. ",
        "view-pfa-codes": "View PFA codes",
        "and": " and ",
        "contribution-type": "Contribution Type",
        "contribution-type-code": "Contribution Type/Code",
        "contribution-types": "Contribution Types",
        "remark": "Remark",
        "search-contribution-type": "Search by contribution type or description",
        "no-contribution-type": "No contribution types found",
        "pfa-codes": "PFA Codes",
        "verify-rsa": "Verify RSA pins",
        "no-pfa": "No PFA codes found",
        "search-pfa": "Search by PFA name or code",
        "pfa-error": "Something went wrong when getting PFA Codes.",
        "retry": "Try again",
        "guide-prompt": "Need help making a pension payment? ",
        "guide-suffix": " for a step-by-step guide.",
        "preview": {
          "upload-details": "Upload Details",
          "upload-processing": "Your upload file is being processed",
          "processing-message": "This usually only takes a moment, so stay on this page if you can. If you need to leave that's fine, we will email you the outcome.",
          "validation-complete": "Validation Complete",
          "validation-complete-errors": "Validation Completed with errors",
          "records-validated": "records successfully validated",
          "success-payment": "Successful Payment",
          "payment-processing": "Payment Processing",
          "payment-awaiting": "Payment awaiting completion",
          "payment-failed": "Payment failed",
          "success-payment-message": "Your Payment has been made Successfully",
          "payment-processing-message": "Your payment is currently being processed",
          "payment-awaiting-message": "Your payment has been initiated but not completed. You can retry payment or check the status if you already paid.",
          "payment-failed-message": "Error Occured when paying",
          "invalid-records-message": "{{count}} records are not valid for processing. Please review your uploaded file and make necessary corrections",
          "title": "Pension Upload Preview",
          "payer-details": "Payer Details",
          "name": "Payer’s name:",
          "email": "Payer’s email:",
          "phone": "Payer’s phone number:",
          "payment-summary": "Payment Summary",
          "employer": "Employer:",
          "employer-code": "Employer code:",
          "rrr": "RRR:",
          "rrr-info": "You can use this RRR to pay at any bank.",
          "payout": "Payout:",
          "amount": "Amount:",
          "processing-fees": "Processing fees:",
          "total-payable": "Total Payable:",
          "all-records": "All records",
          "valid-records": "Valid Records",
          "invalid-records": "Invalid Records",
          "proceed-to-payment": "Proceed to payment",
          "go-back-and-upload": "Re-upload document",
          "proceed-to-rsa": "RSA PIN validation",
          "upload-validation": "File upload validation",
          "processing-title": "Your upload is being processed",
          "rsa-processing-title": "Your RSA pin verification is being processed",
          "processing-description": "This usually only takes a moment, so stay on this page if you can. If you need to leave that's fine, we will email you the outcome. Copy the link to check back later.",
          "check-status": "Check Status",
          "copy-link": "Copy Link",
          "link-copied": "Link copied",
          "payment-in-progress-title": "Your payment is being processed",
          "payment-in-progress-description": "Your receipt would be sent to your mail once payment is completed. You can safely leave this page and check back later.",
          "invalid-records-modal": {
            "heading": "Invalid Records Detected",
            "message": "You have <strong>{{count}} invalid records</strong> that need to be corrected. If you continue you will make payment for only the good records.",
            "pay-valid-records": "Pay valid records",
            "cancel": "Cancel"
          },
          "records": {
            "pension-upload-preview": "Pension Upload Preview",
            "good-records": "Good Records",
            "bad-records": "Bad Records",
            "download-records": "Download records",
            "no-records-found": "No records found",
            "search": "Search"
          }
        }
      },
      "billers": {
        "select-cable-tv": "Select cable TV provider",
        "smart-card-number": "Smart card number",
        "enter-smart-card": "Enter smart card number",
        "select-a-bouquet": "Select a bouquet",
        "select-your-preferred": "Select your preferred data bundle",
        "select-data-bundle": "Select data bundle",
        "disco": "DISCO",
        "select-a-disco": "Select a DISCO",
        "service-type": "Service type",
        "select-service-type": "Select service type",
        "meter-number": "Meter Number",
        "enter-meter-number": "Enter meter number",
        "search-by-name": "Search by name",
        "remita-retrieval-reference": "Remita Retrieval Reference (RRR)",
        "resend": "Re-send",
        "alternate-mail": "Re-send to alternate email",
        "send-receipt": "Send receipt",
        "alternate": "Alternate email",
        "enter-alternate": "Enter alternate email",
        "your-phone": "Your phone number",
        "enter": "Enter a phone number",
        "bank-codes": "Bank Codes",
        "pay-salaries": "Pay Salaries",
        "upload-pension": "Upload Pension Schedule",
        "upload-nhf": "Upload NHF Schedule",
        "code": "Code",
        "description": "Description",
        "amount": "Amount",
        "enter-amount": "Enter amount",
        "no-active-billers": "No active billers",
        "pay-once": {
          "who-do-you": "Who do you want to pay to?",
          "who-are-you": "Who are you paying to?",
          "select-a-biller": "Select a biller",
          "what-are-you": "What are you paying for?",
          "select-a-service": "Select a service",
          "currency": "Currency",
          "country-currency": "Country currency",
          "amount-to-pay": "Amount to pay",
          "maximum-debit-amount": "Maximum debit amount per transaction",
          "payers-name": "Payer’s name",
          "enter-payers-name": "Enter payer’s name",
          "payers-email": "Payer’s email",
          "payers-address": "Payer’s address",
          "max-words": "Maximum 100 characters",
          "enter-email": "Enter email",
          "enter-payers-address": "Enter payer’s address",
          "payers-phone-number": "Payer’s phone number",
          "employer-code": "Employer code",
          "enter-employer-code": "Enter employer code"
        },
        "recurring-payment": {
          "recurring-payment-type": "Recurring payment type",
          "how-do-you": "How do you want to be charged?",
          "max-no-of": "Max. No of Debits in a Calendar Month",
          "select-frequency": "Select frequency",
          "how-many-times": "How many times?",
          "number-of-times": "Number of times",
          "start-date": "Start date",
          "select-date": "Select date",
          "end-date": "End date",
          "payers-phone-number": "Payer’s phone number",
          "funding-source": "Funding source",
          "select-funding-source": "Funding source",
          "payers-bankwallet": "Payer’s bank/wallet",
          "select-bank": "Select bank",
          "payers-account-number": "Payer’s account number",
          "enter-account-number": "Enter account number",
          "select-a-value": "Select a value",
          "account-name": "name"
        }
      },
      "biller": {
        "biller-works": "biller works!"
      },
      "download-popup": {
        "sign-in": "Login to pay for registered users",
        "continue-as-guest": "Continue as guest",
        "download-message": "Download the Remita App",
        "for-best-experience": "For the best experience",
        "including-in-app": "including in-app receipts, expense tracking, and centralized monitoring of all your transactions",
        "close": "Close",
        "remita": "Remita",
        "transactions-easier": "Transactions are easier on",
        "mobile-app": "Mobile App",
        "click-to-download": "Click to download"
      }
    },
    "infrastructure": {
      "empowering": "Empowering ",
      "innovation": "Innovation",
      "startups": "Startups and fintechs can now innovate fearlessly using our payments APIs and SDKs. Integrate them into your digital ecosysytem and propel your business forward.",
      "ready": " Ready to try now?",
      "learn": "Learn more",
      "multiple": "Multiple Billers, ",
      "one-api": "One API",
      "with-our": "With our Biller API, connect to over 5,000 billers on the Remita platform. Simplify transactions, streamline your operations, and expand your business reach – all through a single API integration.",
      "unlock": "Unlock efficiency with the ",
      "remita": "Remita ",
      "biller": "biller API integration",
      "your": "Your Own ",
      "branded": "Branded ",
      "payment": "Payment Gateway",
      "empower-your": "Empower your business with a payment gateway that carries your unique brand. Our white-labeled solution lets you process payments under your official name, all powered by Remita's robust Payment Gateway API. Seize the opportunity to operate your own payment gateway, while we handle the complexities behind the scenes. Your brand, our technology - a partnership for success.",
      "vending": "Vending Suite",
      "facilitates": "Facilitates the trading of electronic tokens that extend access to a variety of utility services such as Airtime, Data, Electricity, Cable TV, Education etc.",
      "white": "White-labelled ",
      "direct": "Direct Debit API",
      "white-labelled": "White-labeled set pre-authorized debit mandates on the bank accounts and mobile wallets of customers to allow for better fund collection automation on fixed or variable amounts, on specified dates.",
      "start": "Start your automation",
      "agency": "White Labelled ",
      "agency-banking": "agency banking suite",
      "know": "Know more",
      "extension": "Extension of Remita Agency banking infrastructure to other licensed super agents to plug in for the deployment of their own agency banking suite.",
      "insights": "Insights",
      "switching": "Switching",
      "become": "Become the bank, and solve the problem of accessibility by taking the transactions to the communities.",
      "our": "Our innovative payment solution is designed to make sure your payment goes through smoothly and securely, no matter what kind of payment you're doing or what you're using it for.",
      "ready-to": "Ready",
      "embark": " to embark on a journey where innovation meets possibilities?",
      "reach": "Reach out to our team and we'll get back to you before 24 hours. Let's discuss how we can seamlessly integrate our payments APIs and SDKs into your digital ecosystem.",
      "contact": "Contact us"
    },
    "public": {
      "pay": "Pay governments easily. Track public funds efficiently.",
      "streamline-government": "Powering payments for every level of government",
      "remita-helps-government": "Remita helps governments at every level to collect revenue, process payments, and manage finances seamlessly.",
      "contact-support": "Contact support",
      "federal": "FEDERAL GOVERNMENT SOLUTIONS",
      "improving": "Improving the way government agencies ",
      "collect": "collect and disburse funds",
      "government": "Government administration and bills",
      "government-ministries": "Government ministries, departments and agencies can list their products and services for easy access and purchase by citizens. This includes tax, CAC, NHIS, NHF and many more",
      "tsa": "TSA management",
      "facilitate": "We enable real-time visibility of government funds through the Treasury Single Account (TSA) at the Central Bank of Nigeria (CBN).",
      "seamless-fund": "Seamless fund management",
      "remita-acts": "Remita acts as the conduit between government entities and CBN, enabling direct fund transfers and ledger updates which helps with transparency of funds.",
      "payment": "Payments and collections",
      "we-provide": "We provide solutions for both collecting funds into government accounts and disbursing payments to vendors, suppliers, and beneficiaries.",
      "streamline": "Streamline transactions",
      "through-remita": "Through Remita, ministries, departments, and agencies can streamline their financial transactions, from payment processing to funds disbursement.",
      "implementation": "TSA implementation",
      "with-our-system": "With our system, the government centralizes funds and improves financial oversight which helps prevent unauthorized individuals from benefiting from government funds.",
      "centralized": "Centralized fund control",
      "with-remita": "With Remita, we have helped simplified auditing processes which enhances accountability by providing a clear trail of fund movements and expenditures.",
      "social": "SOCIAL DISBURSEMENT",
      "seamless": "Seamless distribution of funds to the ",
      "underbanked": "underbanked and unbanked",
      "empower": "We help governments deliver social payments to those most in need, with or without bank accounts, ensuring transparency and reducing time and costs.",
      "insights": "Insights",
      "remita-has": "Remita has disbursed over N1.3 trillion relief funds to the less privileged on behalf of the Nigerian government",
      "state": "STATE GOVERNMENTS",
      "driving": "Driving ",
      "growth": "growth",
      "and": " and ",
      "efficiency": "efficiency",
      "we-support": "We support states as they grow IGR, manage payments, and deliver public services through smarter financial systems.",
      "automate-taxes": "Automate taxes, levies, and fee collections.",
      "process-salaries": "Process salaries, pensions, and supplier payments.",
      "access-revenue": "Access real-time revenue and expense reports.",
      "benefit": "BENEFITS",
      "why": "Why you should ",
      "partner-with": "partner with Remita ",
      "for": "for your financial operation",
      "processes": "Streamlined processes for faster payments, reduced administrative burden, and cost savings.",
      "secure": "Secure and reliable payment infrastructure to safeguard government funds and citizen data.",
      "platforms": "User-friendly platforms for citizens to make payments to government agencies easily and conveniently.",
      "real-time": "Real-time visibility into government finances for better decision-making and improved public trust.",
      "since": "Since the adoption of Remita by the government fully in Sept 2015, over 5.244 trillion naira ($20 billion) has been processed through our platform.",
      "ready": "Ready to ",
      "transform": "transform your government ",
      "=": "agency's financial operation?",
      "signup": "Signup or Contact Remita today to learn more about how our solutions can enhance efficiency, transparency, and security within your organization.",
      "faq": "FREQUENTLY ASKED QUESTIONS",
      "want": "Want to know ",
      "public": "more about public sector finance ",
      "with": "with Remita?",
      "more": "More helpful information",
      "how": "How do I set up a Remita Merchant account?",
      "easy": "It's really easy! Go to Google Play or App store and download RemitaCenta app. Then, follow the instructions to register your account.",
      "after": "After setting up your account, you can proceed to using the dashboard to complete your KYC registration.",
      "what": "What documents are required to complete my registration?",
      "bvn": "• BVN",
      "passport": "• Passport photograph",
      "name": "• Name and place of birth",
      "gender": "• Gender, address and email",
      "valid": "• Valid means of identification (voter's card, driver's license, national ID, international passport, NIN)",
      "information": "• Information must be verified by NIMC, INEC",
      "verification": "• Verification of address",
      "can": "Can I proceed with registration if I do not have the Corporate Affairs Commission (CAC) or business name documents?",
      "yes": "Yes, you can proceed to register as a RemitaCenta merchant without this document.",
      "must": "Must I have a registered business before I can be a Merchant?",
      "compulsory": "It is not compulsory for an agent to have a registered business but mandatory for an aggregator to have a registered business.",
      "federal-government": "FEDERAL GOVERNMENT",
      "building-a": "Building a ",
      "transparent": "transparent ",
      "financial-system": "financial system",
      "trusted-by-gov": "Trusted by governments to power national payment platforms, including the infrastructure behind Treasury Single Account initiatives.",
      "use-remita-to": "You can use Remita to:",
      "collect-national-revenue": "Collect national revenues, taxes, and duties.",
      "manage-disbursement": "Manage disbursements across ministries, departments, agencies and projects.",
      "ensure-compliance": "Ensure compliance and fiscal transparency.",
      "local-government": "LOCAL GOVERNMENTS",
      "empowering-the": "Empowering the ",
      "grassroots": "grassroots",
      "support-efficient-governance": "Support efficient governance across local levels and municipalities. Simplify collections, payments, and community services.",
      "collect-market-levies": "Collect market levies, permits, and rates.",
      "pay-staff": "Pay staff, pensions, and suppliers instantly.",
      "access-other-billings": "Access other billing and utility services such as Airtime, Data, PayTV and Electricity.",
      "why-government": "Why governments ",
      "trust-remita": "trust Remita",
      "trusted-by-regulators": "Trusted by regulators, businesses, governments, financial industry, etc.",
      "secure-scalable": "Secure, scalable, and compliant with Central Bank standards.",
      "easy-integration": "Easy integration with existing banking and ERP systems.",
      "real-time-transparency": "Real-time transparency and reporting.",
      "fgn-provider": "Provider of FGN TSA platform since 2012.",
      "global-certifications": "Global certifications & standards.",
      "lets": "Let's ",
      "simplify": "simplify ",
      "your-payment-process": "your payment process",
      "join-org": "Join other government institutions already simplifying payments with Remita."
    },
    "personal-use": {
      "do-more": "Do more ",
      "with-remita": "with Remita",
      "remita-gives-you": "Remita gives you the freedom to pay, transfer, shop, invest, and live better, all in one secure app.",
      "apple-store": "Apple store",
      "download-via": "DOWNLOAD VIA",
      "play-store": "Play store",
      "security-on": "Security on",
      "all-payments": "all payments",
      "instant-and-seamless": "Instant and seamless",
      "payments-guaranteed": "payments guaranteed",
      "years-of": "Years of",
      "disruptive-innovation": "disruptive innovation",
      "one-app": "One app, all of your payment needs",
      "remita-provides": " Remita provides individuals with a reliable and user-friendly mobile platform to meet their diverse payment needs.",
      "funds-transfer": "Funds transfer",
      "receive-payments": "Receive payments",
      "pay-bills": "Pay bills",
      "get-loans": "Get Loans",
      "secure-wallet": "Secure wallet",
      "pay-rrr": "Pay RRR",
      "consolidated-account": "Consolidated account view",
      "micropension": "Micropension",
      "24/7-support": "24/7 support",
      "individuals-send-money": " Individuals can send money instantly and securely to any bank account or wallet anywhere, at any time with our user-friendly mobile app.",
      "access-airtime": " Access airtime, data, electricity, and cable TV subscriptions on the go. Simplify your life.",
      "request-loans": "Request loans from numerous lending partners. Get your loan request approved in minutes. ",
      "save-money": "Save money in your wallet, and spend it anytime, anywhere. Enjoy the security that comes with having a wallet powered by Remita ",
      "remita-personal": "Remita personal: All you need in one app",
      "with-security": "With security at our core, you can enjoy a safe and seamless payment experience.",
      "we-are-setting": "We are setting a standard for limitless and seamless payments.",
      "take-a-moment": "Take a moment to think about all the payments you can make - we make it possible.",
      "empowering": "Empowering ",
      "individuals-to-do": "individuals to do more",
      "join-the-teeming": "Join the teeming millions of individuals thriving on Remita.",
      "better-at-securing": "Better at securing your finances than ever before",
      "remita-personally-offers": "Remita personal offers top-tier security enhancements, ensuring the highest level of safety. It's designed to empower you to make confident, informed decisions when managing your transactions.",
      "fund-transfer": "FUNDS TRANSFER",
      "move-money": "Move money. ",
      "more": " Do more.",
      "send-money": "Send and receive funds instantly, across Nigeria and within Africa.",
      "use-remita-to": "You can use Remita to:",
      "transfer-locally": "Transfer locally to any bank account.",
      "send-money-across-africa": "Send money across African countries via PAPSS and other trusted rails.",
      "vending-services": "VENDING SERVICES",
      "stay": "Stay ",
      "connected": "connected ",
      "always": "always",
      "top-up-and-pay": "Top up and pay for the things that keep your world running, all in one place.",
      "you-can-pay": "You can pay for:",
      "airtime": "Airtime.",
      "data": "Data.",
      "electricity": "Electricity.",
      "pay-tv": "Pay TV (cable or streaming).",
      "education": "Education.",
      "ticket": "TICKETS",
      "go-places": "Go places. ",
      "enjoy-life": "Enjoy life",
      "book-and-pay": "Book and pay for your next outing or trip, right from your Remita app.",
      "you-can-buy": "You can buy tickets for:",
      "movies": "Movies and events.",
      "bus-ticket": "Bus and flight travels (intra-state, inter-state, and international).",
      "financial-services": "FINANCIAL SERVICIES LISTING",
      "grow-save-secure": "Grow, save, secure ",
      "your-future": "your future",
      "access-tools": "Access tools that help you manage your money and plan for tomorrow.",
      "listing-includes": "Listings include:",
      "insurance-and": "Micropensions.",
      "loans": "Loans.",
      "savings-and-investment": "Savings and investments.",
      "why-choose-remita": "Why choose Remita",
      "all-in-one": "All-in-one platform: Payments, transfers, tickets, and more.",
      "trusted-nationwide": "Trusted nationwide: Used by millions of individuals and organisations.",
      "secure-reliable": "Secure & reliable: Enterpise-grade protection for your money and data.",
      "made-for-you": "Made for you: Simple, fast, and designed to help you do more every day.",
      "do-more-today": "Do more ",
      "with-remita-today": "with Remita today",
      "simplify-your-life": "Simplify your life. Empower your dreams. Do more with the app built for everything that matters to you."
    },
    "payments": {
      "payment-solutions": "Payments made simple",
      "simplified": " simplified",
      "for-you": " for you!",
      "individuals": " individuals ",
      ",": ",",
      "small-businesses": "Small businesses",
      "&": " &",
      "large-corporates": " large corporates ",
      "can": "can:",
      "send-single-or-bulk-payment": "Send single or bulk payments to any bank account or mobile wallet, instantly or at a scheduled time, with ease.",
      "want-to-make": "Want to make single or bulk payments into bank accounts or mobile wallets? We’ve got you covered. You can also make instant or scheduled payments of all kinds. ",
      "pay-pensions": "Pay pensions to the right authorities – Pension Fund Administrators (PFAs), Pension Fund Custodians (PFCs), and other Pension bodies. ",
      "make-pension-payments-accutately": "Make pensions payments accurately with corresponding schedules sent to PFAs & PFCs",
      "receive-payments": "Receive payments",
      "salary-payment-solution": "SALARY PAYMENTS SOLUTION",
      "simplify": "Simplify",
      "your-payroll": " your payroll",
      "simplify-your": "Simplify your",
      "salary-payments": " salary payments",
      "and": " and",
      "entities-to-pay": " entities to pay salaries and wages.",
      "schedule-bulk-payments": "Schedule bulk payments, including wages and salaries.",
      "pay-to-bank": "Pay directly to bank accounts or mobile wallets of beneficiaries.",
      "provide-employee-access": "Give employees access to payslips.",
      "create-an-account": "Create an account",
      "instant-salary-payment": "Instant salary payment",
      "pension-payments-solution": "PENSION PAYMENTS SOLUTION",
      "enjoy": "Enjoy hassle-free",
      "pension-payments": " pensions payments",
      "pay-pensions-btn-text": "Pay pensions",
      "pay-taxes-btn-text": "Pay taxes",
      "pay-suppliers-btn-text": "Pay suppliers",
      "pay-others-btn-text": "Pay other remittances",
      "affordable-rates": " at affordable rates",
      "facilitate-scheduled-payments": "We facilitate scheduled payments of pensions to the right authority - Pension Fund Administrators (PFAs), Pension Fund Custodians (PFCs), and other Pension bodies. ",
      "contributory-pension": "Contributory pensions for small businesses and large corporate entities.",
      "micro-pension": "Micro pensions for individuals.",
      "pay-salaries": "Pay salaries",
      "instant-pension-payment": "Instant pension payment",
      "instant-tax-payment": "Instant tax payment",
      "funds-transfer-solution": "FUNDS TRANSFER SOLUTION",
      "explore": "Explore",
      "instant-transfers": " instant funds transfers ",
      "suit-your-needs": "that suit your needs",
      "access": "Access",
      "effortlessly-settle-all": "Effortlessly settle all your",
      "tax-payments": " tax payments ",
      "from-anywhere": "from anywhere",
      "transfer-funds": "Transfer funds into the bank account, and mobile wallet of a beneficiary; either on a one-off or recurrent basis.",
      "tax-payments-solution": "TAX PAYMENTS SOLUTION",
      "solution-empowers": "This solution empowers",
      "easily-remit": "Easily remit tax to the relevant tax authorities, with specialised receipts as proof of payment.  ",
      "corporate-statutory-tax": "Corporate statutory tax",
      "corporate-taxes": "Corporate taxes.",
      "paye-tax": "PAYE.",
      "vendor-payments-solution": "VENDOR PAYMENTS SOLUTION",
      "pay-your-vendors": "Pay your vendors",
      "instantly": " instantly ",
      "with-our-fast": "with our fast and reliable payment channels",
      "instant-and-scheduled": "Instant and scheduled",
      "vendor-supplier": " supplier payments ",
      "made-easy": "made easy",
      "solution-enables-payments": "This solution enables payments from",
      "entities-to-accounts": "entities to accounts and mobile wallets of suppliers/contractors for goods/services rendered; with specialized receipts as proof of payment.",
      "fast-reliable-payment": "Pay your vendors using our fast and reliable payment channels, with specialised receipts as proof of payment.",
      "instant-vendor-payment": "Instant vendor payment",
      "nhf-payments-solution": "NHF PAYMENTS SOLUTION",
      "simplify-your-teams": "Simplify your teams’",
      "national-housing-fund": " National Housing Fund ",
      "investments": "investments.",
      "remit-employee-contributions": "Remit employee’s contributions to the National Housing Fund. Cut the processes, schedule your payments in advance and let us handle the rest while you focus on other priorities.",
      "instant-nhf-payment": "Instant NHF payment",
      "social-disbursements-solution": "SOCIAL DISBURSEMENTS SOLUTION",
      "deliver-secure": "Deliver secure",
      "social-disbursements": " social disbursements",
      "streamline-your-benefits": "Streamline your benefits for subsidies, scholarships and more, into one seamless digital payment experience.",
      "instant-disbursement": "Instant disbursement",
      "pay-your-team": "Pay your team effortlessly and access payslips instantly.",
      "remita-has-disbursed": "Remita has disbursed over N1.3 trillion relief funds to individuals on behalf of the Nigerian government.",
      "insights": "Insights",
      "get-set-to": "Get set to",
      "transform-your-payment": " transform your payment ",
      "with-remita": "with Remita",
      "effortlessly-make-payments": "Create your account and make instant or scheduled payments to individuals and businesses with ease.",
      "make-other": "Make other ",
      "statutory-payments": "statutory payments",
      "you-can-also-make-other-remittances": "You can also make other remittances into National Housing Fund, National Social Insurance Trust Fund, Industrial Training Fund, National Housing Insurance Fund and others.",
      "transform-your": "Transform your ",
      "payment-processes": "payment processes "
    },
    "data-services": {
      "our-data-service": "Our data services help businesses across industries ensure accurate, reliable, and actionable information for every customer interaction.",
      "knowing": "Knowing ",
      "your-customer": "your customer just got easier",
      "validate": "Validate customer information for financial and non-financial purposes.",
      "data-services": "Data services for ",
      "business-success": "business success",
      "benefits": "BENEFITS",
      "experience-more": "Experience more with Remita data service",
      "see-how-businesses": "See how businesses like yours are leveraging our data services:",
      "validation": "Data Validation",
      "financial-services": "Financial Services: ",
      "verify-data": "Verify data to identify credible customers, minimize default risks, and strengthen your decisions.",
      "recruitment": "Recruitment: ",
      "validate-relevant": "Verify data to validate relevant employment information.",
      "real-estate": "Real Estate: ",
      "use-customer-data": "Use customer data to help landlords and realtors assess reliability, affordability, and risk before leasing or selling property.",
      "travels": "Travels: ",
      "embassies": "Embassies, airlines, and travel agencies can validate customer data to gain insights into travel behaviour, booking history, and reliability.",
      "ensure-accuracy": "Ensure accuracy by cross-checking information against trusted and verified sources.",
      "transform-validated-data": "Transform validated data into actionable insights that enable smarter decisions and sustainable business growth.",
      "ndpa-compliant": "NDPA-compliant with data protection that safeguards customer information and aligns with privacy standards.",
      "service-based": "All services are based on user consent.",
      "accuracy": "Accuracy: ",
      "ensures-data": "Ensures data accuracy by cross-referencing with reliable sources.",
      "decision": "Decision-Making: ",
      "provides": "Provides critical insights, including salary history and relevant data points, aiding informed decisions.",
      "disbursement": "Disbursement",
      "our-disbursement": "Our disbursement solution enables instant single and bulk fund transfers.",
      "enhances": "Enhances efficiency and minimises manual intervention.",
      "inflight": "Inflight Collections",
      "streamline": "Streamline loan repayments through pre-authorized deductions.",
      "automatically": "Automatically deducts loan payments from the payer's account at an agreed source (e.g., salary).",
      "ensures": "Ensures timely repayments, reducing administrative burden.",
      "recovery": "Recovery",
      "automated": "Automated Debt Recovery Process: ",
      "when-loan": "When loan repayments fail due to insufficient funds.",
      "initiates": "Initiates an automated recovery process.",
      "recovers": "Recovers outstanding amounts from the specified deduction account.",
      "efficiency": "Enhances efficiency and minimises manual intervention.",
      "verify": "Verify ",
      "your": "your ideal customers ",
      "now": "now",
      "we-make-it-easy": "We make it easy for businesses to verify, validate, and leverage data for better decisions."
    },
    "contact-us": {
      "contact": {
        "how": "How can we help you today?",
        "submit": "Submit a request",
        "briefly": "Briefly describe your issues or concerns. Our team of experts will respond as soon as possible.",
        "need": "Need quick answers? Our team is ready to talk at any time of the day. Try it now!",
        "want": "Want to speak to a member of the team? Call us and someone will be ready to help.",
        "info": "info@remita.net",
        "visit": "Visit Us",
        "need-quick": "Need quick answers, email us at any time of the day. Try it now!",
        "plot": "Plot B22 Chief Yesufu Abiodun Road, Oniru Victoria Island, Lagos, Nigeria",
        "chat": "Chat with us",
        "+": "+234 0201 636 7000",
        "see": "Frequently Asked Questions",
        "general": "General questions",
        "merchant": "Merchant",
        "agent": "Agent",
        "public": "Public sector",
        "search": "Search for a question here...",
        "set": "How do I set up a RemitaCenta Agent account?",
        "confirm": "How to confirm presented receipts?",
        "pay": "How to pay an E-invoice on Remita?",
        "purchase": "How to purchase JAMB form on Remita?",
        "integrating": "Integrating Remita for payments on websites?",
        "pay-federal-government": "To Pay Federal Government or State TSA:",
        "go-to": "Go to ",
        "remita": "www.remita.net",
        "click-pay": "Click 'Pay FGN's and State TSA'",
        "select-pay": "Select 'Pay Federal Government of Nigeria'",
        "type-name": "Type the name of the MDA from the 'Name of MDA' field",
        "then": "Then select the 'Name Of Service/Purpose' that relates to the payment; and proceed with the rest of the steps in processing FGN TSA collection transactions on the platform.",
        "however": "However, there is need to engage the intended beneficiary MDA to ascertain the appropriate service type that best suits the intended remittance.",
        "click-submit": "Click Submit to generate the RRR",
        "for": "For State TSA, from step 2:",
        "select-state": "Select the state you want to pay",
        "type-who": "Type the name of the MDA from the 'Who do you want to pay' field",
        "thereafter": "Thereafter, select the 'Name Of Service/Purpose' that relates to the payment; and proceed with the rest of the steps in processing FGN TSA collection transactions on the platform.",
        "to-pay": "To Pay a Biller:",
        "click-biller": "Click 'Pay A Biller'",
        "type-who-do": "Type the name of the MDA/Corporate from the 'Who do you want to pay' field",
        "thereafter-select": "Thereafter, select the 'Name Of Service/Purpose' that relates to the payment; and proceed with the rest of the steps in processing transactions on the platform.",
        "experience-faster-support": "Experience faster support through our intelligent, trained AI model",
        "send-us-email": "Send us a mail and we'll help you sort things out fast",
        "need-something": "Need something specific? Send us a request and we'll handle it",
        "chat-us": "Chat us",
        "email-us": "Email us",
        "submit-request": "Submit a request",
        "connect-with-us": "Connect with us on social media",
        "next": "Next",
        "prev": "Prev",
        "search-placeholder": "Search for a question here..."
      },
      "request": {
        "contact": "Contact Us",
        "ticket": "Submit a request",
        "submit": "Submit",
        "request": " a request",
        "name": "Full Name",
        "*": "*",
        "email": "Email Address",
        "phone": "Phone Number",
        "234": "+234",
        "category": "Ticket Category",
        "subject": "Subject",
        "description": "Description",
        "file": "Attach a file",
        "drop": "Drop your file here to upload or select from storage",
        "supported": "Supported files: pdf, jpg, png, csv...",
        "enter-name": "Enter your full name",
        "enter-email": "Enter your email address",
        "enter-phone": "Enter your phone number",
        "select": "Select a category",
        "enter-subject": "Enter a subject",
        "enter-description": "Enter a description",
        "submitted": "Request submitted successfully",
        "your-request": "Your request has been submitted. Our Business Team will reach out to you soon",
        "okay": "Okay"
      }
    },
    "integrator-centa": {
      "integrate": "Integrate services needed ",
      "for": "for your business operations",
      "with": "With IntegratorCenta, you can now connect to our different API services. Integrate them into your digital ecosystem and propel your business forward.",
      "some": "Some services built to elevate your business",
      "biller": "Biller Aggregation",
      "help": "Help millions of customers effortlessly manage and collect payments from multiple billers",
      "learn": "Learn more about Biller Aggregation",
      "direct": "Direct Debit",
      "extend": "Extend financial services to the under-banked and unbanked. Integrate with our agency banking service to offer a seamless payments.",
      "learn-more": "Learn more about  Direct Debit",
      "funds": "Funds Transfer",
      "easily": "Easily integrate Remita's Funds Transfer service into your business operations, secure movement of funds between accounts.",
      "coming": "Coming soon",
      "payment": "Payment Gateway",
      "enhance": "Enhance your payment experience with Remita's multi-channel payment gateway! Integrate for secure, convenient transactions.",
      "analytics": "ANALYTICS DASHBOARD",
      "manage": "Manage all your services with ",
      "one": "one dashboard",
      "get-detailed": "Get detailed reporting and analytics of your APIs and view variety of APIs services you can integrate to your business",
      "wallet": "Wallet Management: ",
      "efficiently": "Efficiently track funds from all API wallets provided to you.",
      "api": "API Service Management: ",
      "effortlessly": "Effortlessly manage and view real-time insights on each API service.",
      "integrate-with": "INTEGRATE WITH US",
      "accelerate": "Accelerate your business process with our powerful API Services",
      "save": "Save time on engineering with our API services. We navigate the complexities of financial institutions, gateways, and payment rails so your teams can focus on building what you need.",
      "see": "See full documentation",
      "ready": "Ready ",
      "to": "to supercharge your business with our powerful services?",
      "let": "Let us partner with you to offer financial services seamlessly and effortlessly."
    },
    "agent-centa": {
      "financial": "Financial services for the underbanked and unbanked",
      "help": "Help customers process transactions",
      "request": "Request a POS for your growing business",
      "enjoy": "Enjoy cheapest fees in the market today",
      "rewards": "Rewards for agents with highest number of transactions",
      "access": "Access to both virtual and in-person support",
      "some": "Some of our ",
      "payment": "payment types",
      "join": "Join the league of over 10 million thriving business owners who use Remita for all their business needs.",
      "airtime": "Airtime",
      "data": "Data",
      "electricity": "Electricity",
      "cable": "Cable TV",
      "internet": "Internet",
      "rrr": "Pay RRR",
      "water": "Water",
      "deposit": "Cash Deposit",
      "withdrawals": "Withdrawals",
      "jamb": "JAMB",
      "waec": "WAEC",
      "cashout": "Cash Out",
      "micropensions": "Micropensions",
      "government": "Government Payments",
      "bills": "Pay Bills",
      "individual": "INDIVIDUAL AGENT",
      "upgrade": "Upgrade ",
      "hustle": "your hustle",
      "make": "Make money helping people to process transactions, pay bills and withdraw cash. With more financial services coming to Remita Agent, you are sure to be empowered to do more for your community.",
      "pay-bills": "Pay Bills: ",
      "over": "Over 5000 bills on one app",
      "cash-withdrawals": "Process cash withdrawals",
      "cash-deposit": "Process cash deposit",
      "transfers": "Process fund transfers",
      "become": "become an individual agent",
      "how": "How to ",
      "click": "Click on the button to fill the form",
      "fill": "Fill the form",
      "agentcenta": "AgentCenta will review your information. AgentCenta will send you an invite code after a successful review.",
      "download": "Download the Agent centa mobile app",
      "download-via": "DOWNLOAD VIA",
      "apple": "Apple store",
      "play": "Play store",
      "start": "Start transaction and making money",
      "individual-btn": "Become an Individual Agent",
      "aggregators": "Aggregators",
      "manage": "Manage agents, get paid ",
      "when": "when they make transactions.",
      "do-you": "Do you have an agent network and you need a platform to power your operations? No matter your scale of operations, our Agent Banking suite was built for you.",
      "become-an": "become an aggregator",
      "onboard": "Onboard on AgentCenta platform",
      "invite": "Invite your agents and start making money",
      "aggregator-btn": "Become an Aggregator",
      "business": "BUSINESS AGENTS",
      "best": "Best for ",
      "closed": "closed schemes",
      "do-you-want": "Do you want your tellers to help sell your products and services in a closed scheme, automate your operations and easily track sales? Become a business agent on Remita. Operating a close scheme platform has never been easier.",
      "become-business": "Become a Business Agent",
      "start-a": "Start a ",
      "closed-scheme": "closed scheme on agent centa",
      "testimonials": "TESTIMONIALS",
      "what": "What our ",
      "agents": "agents ",
      "say": "say ",
      "because": "Because Remita APIs make it so simple to test APIs while on the go, I have had a terrific overall experience with them. This is one of the greatest collections available; it offers every aspect a quality API testing platform should have, including a very comprehensive and user-friendly UI.",
      "anika": "Anika Dokidis",
      "remita": "Remita Aggregator",
      "erin": "Erin Westervelt",
      "randy": "Randy Press",
      "faq": "FREQUENTLY ASKED QUESTIONS",
      "want": "Want to know more about ",
      "how-to": "how to become a Remita agent?",
      "more": "More helpful information",
      "who": "Who do I reach out to register my public agency?",
      "easy": "It's really easy! Go to Google Play or App store and download RemitaCenta app. Then, follow the instructions to register your account.",
      "after": "After setting up your account, you can proceed to using the dashboard to complete your KYC registration.",
      "documents": "What documents are required to complete my registration?",
      "bvn": "• BVN",
      "passport": "• Passport photograph",
      "name": "• Name and place of birth",
      "gender": "• Gender, address and email",
      "valid": "• Valid means of identification (voter's card, driver's license, national ID, international passport, NIN)",
      "information": "• Information must be verified by NIMC, INEC",
      "verification": "• Verification of address",
      "can": "Can I proceed with registration if I do not have the Corporate Affairs Commission (CAC) or business name documents?",
      "yes": "Yes, you can proceed to register as a RemitaCenta merchant without this document.",
      "must": "Must I have a registered business before I can be a Merchant?",
      "compulsory": "It is not compulsory for an agent to have a registered business but mandatory for an aggregator to have a registered business.",
      "ready": "Ready to ",
      "make-money": "to make money while helping ",
      "your": "your community grow?",
      "join-remita": "Join Remita Agent to extend payment options to the underbanked and unbanked. Easily help them with various payment needs, making financial access simpler for everyone.",
      "first": "First Name",
      "enter-first": "Enter your first name",
      "last": "Last Name",
      "enter-last": "Enter your last name",
      "email": "Email Address",
      "enter-email": "Enter your email address",
      "phone": "Phone Number",
      "234": "+234",
      "80": "8000000000",
      "line-1": "Address Line 1",
      "line-2": "Address Line 2",
      "enter-address": "Enter address",
      "country": "Country",
      "select-country": "Select country",
      "nigeria": "Nigeria",
      "state": "State",
      "select-state": "Select state",
      "lagos": "Lagos",
      "lga": "Local Government",
      "select-lga": "Select local government",
      "alimosho": "Alimosho",
      "city": "City",
      "select-city": "Select city",
      "ipaja": "Ipaja",
      "dob": "Date of Birth",
      "enter-dob": "Enter date of birth",
      "submit": "Submit",
      "info": "Business Information",
      "registered": "Registered Business Name",
      "enter-registered": "Enter your registered business name",
      "id": "Upload a Valid ID ",
      "eg": "e.g Intl passport, NIN etc",
      "cac": "Upload CAC Document ",
      "drop": "Drop your file here to upload or select from storage",
      "submitted": "Request submitted successfully",
      "your-request": "Your request has been submitted. Our Business Team will reach out to you soon",
      "okay": "Okay",
      "proof": "Upload proof of address ",
      "etc": "e.g electricity bill, water bill etc",
      "where-we-are": "WHERE WE ARE",
      "locate": "Locate",
      "our-agents": "our agents",
      "search-map": "Search Map",
      "search-placeholder": "Enter Address, City, or Postal Code",
      "search": "Search",
      "all-agents": "All Agents",
      "no-agents-found": "No Agents Found",
      "go-back": "Go back",
      "get-directions": "Get directions",
      "search-agents": "Search Agents",
      "cancel": "Cancel",
      "loading-more": "Loading more agents...",
      "found-agents-near": "Found {{count}} agents near {{location}}",
      "error-fetching-agents": "Error fetching agent",
      "form": {
        "business-name": {
          "label": "Business Name",
          "placeholder": "Search by Business Name"
        },
        "state": {
          "label": "State",
          "placeholder": "Search by State"
        },
        "business-address": {
          "label": "Business Address",
          "placeholder": "Search by Business Address"
        }
      }
    },
    "about-us": {
      "who-we-are": "Who we are",
      "remita-provides-tech": "Remita provides infrastructure, applications, and services that powers seamless payments for individuals, businesses, governments and the financial ecosystem.",
      "delivering-payment-solution": "Delivering payment solutions for everyone, everywhere",
      "remita-is-a-leading": "Remita is a leading African fintech powering seamless payments for individuals, businesses, governments, and the financial ecosystem. With innovative applications, infrastructure, and services, Remita enables everyone, everywhere to send, receive, and manage money effortlessly driving inclusion, trust, and digital transformation across Nigeria and beyond.​",
      "our-business-dimension": "Our Business Dimensions",
      "we-consistently-drive": "We consistently drive excellence through",
      "product-innovation": "Product innovation",
      "smooth-transaction-processing": "Smooth transaction processing",
      "reliability-&-security": "Reliability & security",
      "superior-customer-experience": "Superior customer experience",
      "our-mission": "Our MISSION",
      "we-enable-everyone": "We enable everyone everywhere, do more, by simplifying payments",
      "our-vision": "Our VISION",
      "preferred-payment-option": "To be the preferred payment option for individuals, businesses, government, and the financial ecosystem",
      "our-timeline": "Our Timeline",
      "our-history": "This is our history as we move to milestones up until this present day.",
      "1992": "1992",
      "systemspecs-commenced": "Systemspecs Commenced",
      "commenced-operations": "SystemSpecs commenced operations as a reseller of SunSystems ERP.",
      "1993": "1993",
      "proprietary-software": "Proprietary Software",
      "development-started": "Proprietary software development started with:",
      "specman": "SpecMan",
      "specpen": "SpecPen",
      "specpay": "SpecPay",
      "2006": "2006",
      "developed-remita": "Developed Remita",
      "first-rtgs": "The First RTGS Account-to-Account Switch",
      "2008": "2008",
      "petroleum-&-payment": "Petroleum & Payment grps",
      "petroleum-equalization": "Petroleum Equalization Fund Disbursement",
      "member-of-payment": "Member of Payment System Vision Workgroup",
      "2010": "2010",
      "fgn-pension": "FGN Pension Payment",
      "fgn-civil": "FGN Civil Service Pensions Payment",
      "2011": "2011",
      "kano-adopted-remita": "Kano Adopted Remita",
      "first-state-government": "The First State Government (Kano State) adopted Remita Payroll and Payment System.",
      "police-pensions-payments": "Police Pensions Payments",
      "2013": "2013",
      "integration-&-pssp": "Integration & PSSP",
      "integration-with-government": "Integration with Government Integrated Financial Management Information System",
      "obtained-license": "Obtained PSSP License",
      "2015": "2015",
      "tsa-collection": "TSA Collection & Card pmt",
      "deployment-of-fgn": "Deployment of FGN TSA Collections",
      "began-card-payments": "Began card payments",
      "2016": "2016",
      "tsa-plateau": "TSA Plateau State",
      "first-deployment": "First Deployment of TSA at the Sub National level (Plateau State)",
      "2017": "2017",
      "remita-mobile": "Remita Mobile & NAPS",
      "launched-remita": "Launched Remita Mobile App",
      "developed-naps": "Developed NAPS platform for NIBSS",
      "member-of-cbn": "Member of CBN regulatory sandbox committee",
      "2019": "2019",
      "social-disbursment": "Social disbursment",
      "fgn-social": "FGN Social disbursement",
      "2021": "2021",
      "systemspecs-subsidiary": "Systemspecs Subsidiary",
      "subsidiary-company": "Remita became a subsidiary company of SystemSpecs Holdings Limited (operating as Remita Payment Services Limited)",
      "2022": "2022",
      "tier-1-license": "eNaira & Tier 1 License",
      "obtained-tier-1": "Obtained Tier 1 Payment License",
      "partnered-with-cbn": "Partnered with CBN on eNaira",
      "appointed-dr-ernest": "Appointed Dr Ernest Ndukwe as Chairman",
      "2023": "2023",
      "remita-agency": "Remita Agency",
      "launched-remita-agency": "Launched Remita Agency Business",
      "ifeoma-idigbe": "Mrs. Ifeoma Idigbe",
      "chairman": "Chairman",
      "experienced-business-analyst": "She is an experienced business analyst and consultant with a background in banking, finance, and advisory services. She has worked with a variety of organizations such as KPMG, MTN, Accenture, and Bank of Industry. Currently, she is an independent financial/business consultant and the founder of the Boys2Men foundation.",
      "john-obaro": "Dr. John Obaro",
      "dr-obaro-profile-points": "Founder and Group Managing Director, SystemSpecs Holdings Limited",
      "non-executive-director": "Non-Executive Director",
      "accomplished-entrepreneur": "He is an accomplished entrepreneur with over three decades of experience building technology solutions within the African market. He holds the title of Honorary Fellow of the Chartered Institute of Bankers of Nigeria (CIBN) and serves on the board of various notable professional bodies.",
      "deremi-atanda": "DeRemi Atanda",
      "managing-director": "Managing Director",
      "experienced-professional": "He is an experienced professional in the tech industry with over 25 years of experience. He spearheaded the automation of the Integrated Payroll & Personnel Information System (IPPIS) and played a pivotal role in delivering Africa’s largest Treasury Single Account (TSA) project.",
      "iyabo-adeleke": "Mrs. Iyabo Adeleke-Adedeji",
      "independent-non-executive": "Independent Non-Executive Director",
      "experience-business-strategy": "She brings extensive experience in business strategy, microfinance banking, and business intelligence. She played a major role in the success of Project EAGLES at the Central Bank of Nigeria and retired from the Central Bank of Nigeria as a Director of the Information Technology Department.",
      "ifeoma-idigbe-profile-points": "Business restructuring and advisory expert <br/><br/> Founder and Executive Vice Chairman boys to MEN Foundation",
      "oladapo-fafemi": "Dr. Oladapo Fafemi",
      "oladipo-fafemi-points": "Lead breast surgeon & clinical director North Middlesex University Hospital NHS Trust <br/><br/> Honorary Senior lecturer Royal Free & UCL Medical School <br/><br/> Honorary Associate Professor St. George's University Medical School Grenada",
      "lead-breast-surgeon": "He is a Lead Breast Surgeon and Clinical Director at North Middlesex University Hospital NHS Trust. Additionally, he holds the title of Honorary Senior Lecturer at Royal Free & UCL Medical School and is a Honorary Associate Professor at St. George's University Medical School, Grenada.",
      "md-ceo": "Managing Director / Chief Executive Officer",
      "gbenga-oludaisi": "Gbenga Oludaisi",
      "divisional-head": "Divisional Head, Operations",
      "bayomi-oniku": "Abayomi Oniku",
      "ed-operations": "Executive Director, Operations",
      "vp-special-projects": "Senior Vice President, Institutions & Special Projects",
      "lanre-idowu": "Lanre Idowu",
      "vp-financial-institutions": "Senior Vice President, Financial Institutions & Partnerships",
      "mujib-ishola": "Mujib Ishola",
      "chief-technology-officer": "Chief Technology Officer",
      "tokunbo-omonubi": "Tokunbo Omonubi",
      "divisional-head-products": "Divisional Head, Products",
      "leadership-&-governance": "LEADERSHIP & GOVERNANCE",
      "board": "Board",
      "management": "Management",
      "our-values": "OUR VALUES",
      "guiding-principles": "We have guiding principles",
      "dependence-on-god": "Dependence on God for success",
      "ethics-and-integrity": "Exemplars of ethics and integrity",
      "friendship-with-customers": "Friendship with our customers",
      "open-family-based": "Open family-based relationship at work",
      "partnership-with-neighbours": "Partnership with our neighbours",
      "innovation-and-diligence": "Innovation and diligence in pursuit of excellence",
      "show-less": "Show Less",
      "show-more": "Show More",
      "governance": "Governance",
      "leadership": "Leadership",
      "folake-sanu": "Mrs. Folake Sanu",
      "folake-sanu-profile-points": "Finance, risk and mergers expert <br/><br/> Former executive director, Wema Bank <br/><br/> Independent non-executive director, Coleman Technical Industries Limited",
      "omorinsojo-desola": "Mrs. Omorinsojo Desalu",
      "omorinsojo-desola-point": "Insurance,  business consultant, and strategy expert <br/><br/> Founder, Adewunmi Desalu Parkinson's Foundation",
      "olusegun-ogbonnewo": "Mr. Olusegun Ogbonnewo",
      "olusegun-ogbonnewo-points": "Banking, payments and financial technology expert <br/><br/> Operating director, Tengen Holdings",
      "adekunbi-ademiluyi": "Adekunbi Ademiluyi",
      "head-terminals-&-agency": "Head Terminals & Agency",
      "tomi-oyesola": "Tomi Oyesola",
      "head-corporate": "Head Corporate Solutions",
      "kemi-ogunleye": "Kemi Ogunleye",
      "senior-vp": "Senior Vice President, Customer Experience & Transactions Management",
      "chika-nwogu": "Chika Nwogu",
      "dayo-adewale": "Dayo Adewale",
      "abidemi-akinola": "Abidemi Akinola",
      "divisional-head-retail": "Divisional Head, Retail",
      "chief-compliance-officer": "Chief Compliance Officer",
      "head-strategy": "Chief of Operations/Head, Strategy Office",
      "divisional-head-fin-op": "Divisional Head, Financial Industry Infrastructure & Services",
      "divisional-head-terminals": "Divisional Head, Terminals & Super Agency",
      "divisional-head-corporate": "Divisional Head, Corporate Solutions",
      "excecutive-dir-operations": "Executive Director, Operations",
      "excecutive-dir-business-dev": "Executive Director, Business Development",
      "our-business-dimensions": "Our Business Dimensions",
      "our-ecosystem": "Our ecosystem rests on three interconnected pillars that deliver value at scale across industries and customer segments.",
      "infrastructure": "Infrastructure",
      "enterprise-grade-platform": "Enterprise-grade platforms and APIs that power solutions for customers and third-party providers.",
      "applications": "Applications",
      "service-delivery": "Service delivery on behalf of customers to their users, supported by strong technology, proven processes, and deep industry expertise.",
      "services": "Services",
      "end-to-end": "End-to-end management of solutions delivered directly to users, accessible via web, mobile app, agency network, and POS."
    },
    "vas": {
      "value": "Value-added services for our partners",
      "are": "Are you a service provider looking to expand reach? Partnering with Remita gives you access to a vast network of customers and unparalleled convenience in service delivery.",
      "some": "Some of our ",
      "partners": "partners",
      "join": "Join the league of various thriving service providers who use Remita to reach a vast audience.",
      "telcos": "TELCOs",
      "isps": "ISPs",
      "discos": "DISCOs",
      "cable": "Cable TV",
      "education": "Education",
      "benefits": "BENEFITS",
      "why": "Why partner with Remita?",
      "large": "Large and Diverse Customer Base",
      "millions": "Millions of customers visit Remita looking to purchase services.",
      "receive": "Receive Payment Easily",
      "simplify": "Simplify your collection and reconciliation. Let’s do the work for you.",
      "secure": "Secure Transactions",
      "rest": "Rest assured that all transactions conducted through Remita's platform are secure, protecting both you and your customers.",
      "enhance": "Enhanced Brand Visibility",
      "showcase": "Showcase your services on Remita's platform, where they will be prominently featured alongside other reputable providers.",
      "ready": "Ready to ",
      "and": " and Boost Your Sales?",
      "by": "By partnering with Remita, you gain access to a dynamic platform designed to showcase your offerings to a wide audience, driving sales and expanding your reach like never before.",
      "contact": "Contact us",
      "partner": "Partner with us",
      "please": "Please fill the form and our business team would reach out soon",
      "name": "Name",
      "enter": "Enter full name",
      "email": "Email Address",
      "enter-email": "Enter email address",
      "phone": "Phone Number",
      "additional": "Additional info? Send us a message",
      "write": "write your message",
      "submit": "Submit",
      "robot": "I'm not a robot",
      "request": "Request submitted successfully",
      "your": "Your partnership request has been submitted. Our Business Team will reach out to you soon",
      "okay": "Okay",
      "expand": "Expand ",
      "your-reach": "your reach",
      "leverage-our-network": "Leverage our network to reach millions of active users who transact daily across multiple sectors. Showcase your products and services while enjoying seamless, secure, and real-time payments.",
      "our-platform": "Our platform caters to a wide range of service providers, including:",
      "telecom-service": "Telecommunications service providers.",
      "internet-service": "Internet service providers.",
      "electricity-service": "Electricity distribution companies.",
      "tv-service": "PayTV and streaming platforms.",
      "entertainment-service": "Entertainment and lifestyle providers (movies, events, theatre).",
      "financial-service": "Financial services providers (insurance, micro pensions, credit, savings, and investments).",
      "travel-service": "Travel and logistics companies (airlines, delivery, inter- and intrastate transport, accommodation)."
    },
    "available-openings": {
      "careers-at-remita": "Careers at Remita",
      "the-smartest-people": "Join some of the smartest people in African fintech shaping the future of payments in Nigeria and beyond. ",
      "see-open-positions": "See open positions",
      "see-all-open-positions": "See all open positions",
      "life-at-remita": "Life at Remita",
      "remita-mission": "At Remita, we are on a mission to empower everyone, everywhere, to do more by simplifying payments. As a leading payments company, we seek unique individuals who are ready to shape the future of payments and make a lasting impact.",
      "wide-variety-opportunities": "Here at Remita, we offer opportunities to grow, collaborate, and make a lasting impact, whether you are starting your career, advancing as a mid-level professional, or leading at the executive level.",
      "we-provide-tools": "We provide the tools, resources, and enabling environment needed to excel, develop professionally, and help transform payments in Africa.",
      "values": "VALUES",
      "we-are-driven": "We are driven by",
      "six-core-values": "six core values",
      "dependence-on-god": "Dependence on God for success ",
      "exemplars-of-ethics": "Exemplars of ethics and integrity",
      "friendship-with-customers": "Friendship with our customers",
      "family-based-relationships": "Open family-based relationships at work",
      "partnership-with-neighbours": "Partnership with our neighbours",
      "innovation-and-diligence": "Innovation and diligence in the pursuit of excellence",
      "benefits": "BENEFITS",
      "perks-to-work": "Perks to work with",
      "remita": " Remita",
      "health-insurance": "Health Insurance",
      "comprehensive-health-insurance": "Comprehensive health insurance coverage for you and your dependents, ensuring access to quality healthcare services and peace of mind. ",
      "open-positions": "OPEN POSITIONS",
      "come-join-us": "Come join us and make a difference",
      "qa-tester": "QA Tester",
      "engineering": "Engineering",
      "full-time": "Full Time",
      "apply": "Apply",
      "no-job-openings": "Sorry, no job openings at the moment",
      "we-open-new-jobs": "We open new jobs from time to time, so please check soon again!",
      "daily-complimentary-meals": "Daily complimentary meals",
      "daily-dose": "Daily dose of healthy and sumptuous meals when you work from any of our physical offices. ",
      "pension": "Pensions",
      "secure-your-future": "Secure your future with a robust pensions plan, providing financial stability and retirement benefits for a worry-free post-career life.",
      "hybrid-work": "Hybrid work",
      "experience-the-flexibility": "Experience the flexibility of a hybrid work model, allowing you to balance remote work and office presence for increased productivity and work-life balance. ",
      "gym": "Gym",
      "on-site-gym": "Access to an on-site gym that promotes employee health and productivity by facilitating regular exercise. ",
      "creche": "Creche",
      "billers-on-remita": "Join 4000+ billers on Remita and let customers discover and pay you easily on our newly designed marketplace.",
      "creche-subtext": "An on-site creche that supports employees with young children by providing a safe and nurturing environment while they focus on work."
    },
    "all-openings": {
      "search-jobs-at": "Search jobs at",
      "remita": " REMITA",
      "search-for": " Search for a job role",
      "teams": " Teams",
      "office-locations": " Office Location"
    },
    "job-description": {
      "back-to-career": "Back to career",
      "about": "About the job",
      "key": "Key Responsibilities",
      "qualifications": "Qualifications",
      "firstname": "First Name",
      "enter-first-name": "Enter your first name",
      "lastname": "Last Name",
      "enter-last-name": "Enter your last name",
      "email": "Email Address",
      "enter-email": "Enter your email address",
      "phone": "Phone Number",
      "enter-phone": "9152624197",
      "attach-cv": "Attach CV",
      "drop-file": "Drop your file here to upload or select from storage",
      "portfolio": "Portfolio Link",
      "enter-portfolio": "Enter your portfolio web address",
      "submit": "Submit",
      "product-manager": "Product Manager, Associate",
      "product": "Product",
      "full-time": "Full Time",
      "lagos": "Lagos",
      "minimum": "200,000",
      "dash": "-",
      "maximum": "300,000",
      "about-the": "About the job",
      "as-a": "As a Product Manager at Remita, you will play a pivotal role in shaping the future of our financial technology solutions. You will be responsible for identifying customer needs and aligning them with our business objectives to create innovative products that drive success. Your key responsibilities will include:",
      "key-responsibilities": "Key Responsibilities",
      "defining": "Defining Product Vision:",
      "develop": "Develop and communicate a clear product vision and strategy that aligns with Remita’s goals.",
      "customer": "Customer Focus:",
      "conduct": "Conduct market research and gather user feedback to understand and anticipate customer needs.",
      "product-road": "Product Roadmap Management:",
      "create": "Create and manage detailed product roadmaps, ensuring timely delivery of features and enhancements.",
      "cross-functional": "Cross-functional Collaboration:",
      "work-closely": "Work closely with engineering, design, marketing, and sales teams to bring products to market.",
      "performance-tracking": "Performance Tracking:",
      "monitor": "Monitor product performance using data-driven insights to make informed decisions and adjustments.",
      "stakeholder": "Stakeholder Alignment:",
      "align": "Align stakeholders around the product vision and strategy, ensuring everyone is on the same page.",
      "competitive": "Competitive Analysis:",
      "analyze": "Analyze the market and competition to identify opportunities for differentiation and growth.",
      "user-experence": "User Experience Optimization:",
      "ensure": "Ensure that the product delivers a seamless and engaging user experience.",
      "lifecycle": "Lifecycle Management:",
      "oversee": "Oversee all aspects of the product lifecycle, from ideation to launch and beyond.",
      "risk": "Risk Management:",
      "identify": "Identify potential risks and develop mitigation strategies to ensure successful product delivery.",
      "qualification": "Qualifications",
      "proven": "Proven experience as a Product Manager or similar role in a technology-driven environment.",
      "strong": "Strong understanding of the financial technology sector and its trends.",
      "excellent": "Excellent communication and leadership skills.",
      "ability": "Ability to think strategically and execute methodically.",
      "proficiency": "Proficiency in using product management tools and software.",
      "join": "Join us at Remita and be part of a dynamic team dedicated to transforming the financial services landscape.",
      "apply": "Apply for this job"
    },
    "login": {
      "select-your-account": "Please select your account type",
      "personal": "Personal/MSME",
      "corporate": "Corporate",
      "email": "Email*",
      "password": "Password*",
      "sign-in": "SIGN IN",
      "dont-have-account": "Don’t have an account? ",
      "sign-up": "Sign Up",
      "forgot-password": "Forgot Password?",
      "username": "Username*",
      "organidation-id": "Organization ID*"
    },
    "auth-nav": {
      "switch-profiles": "Switch Profile(s)",
      "abc-comapany-ltd": "ABC Company Ltd...",
      "id": "ID: 123123",
      "count": "12",
      "hello-toni": "Hello Toni"
    },
    "sign-up": {
      "apps": {
        "what": "What would you like to do?",
        "remita-corporate": "Remita Corporate",
        "start": "Start Now",
        "make-payments": "Make payments and collections using single and bulk payments to billers, individuals (both banked and unbanked), and leverage our Payment Gateway, POS, Merchant Collection Portal or APIs to receive instant and recurring payments.​",
        "learn": "Learn More",
        "to": "To",
        "|": "|",
        "make": "Make Payments, Receive Payments, Create Invoices, and more...",
        "remita-api": "Remita Connect",
        "get-our": "Get our switching solution for seamless and secure transactions, and APIs and SDK on a one stop self service platform at Remita Connect.",
        "connect": "Connect with Remita APIs.",
        "remita-cash-agent": "Remita Cash Agent",
        "connect-to": "Connect to over 5,000 billers on Remita, simplifying your transactions, streamlining operations  and expanding your business reach for the unbanked and underbanked.",
        "start-an": "Start an agent banking business easily.",
        "remita-retail": "Remita Retail",
        "retail-to": "Retail to millions of customers on Remita.",
        "start-selling": "Start selling"
      }
    },
    "verify-otp": {
      "choose-authentication-method": "Please choose an Authentication method",
      "exit-if": "Exit if the above is not your",
      "pre-set-badge": " pre-set badge ",
      "proceed-to-confirm": "else proceed to confirm that you are",
      "users-name": " [User’s name] ",
      "by-selecting": "by selecting either of the",
      "two-methods": " two methods ",
      "below": "below:",
      "method-1": "Method 1",
      "use-dynamic-pin": "Use your Dynamic PIN",
      "dan": " (DAN)",
      "remita-question": "Remita Question is",
      "5": " 5",
      "enter-your-pin": "Enter your PIN (4 to 6 digits)",
      "enter-entry-code": "Enter the entry code",
      "submit": "Submit",
      "submit-answer": "Submit Answer",
      "method-2": "Method 2",
      "use-an": "Use An",
      "entry-code": " Entry Code ",
      "sent-to-email": "Sent To Your Email",
      "an": "An",
      "entry": " entry code ",
      "sent-to-your": "has just been sent to your",
      "email": " email ",
      "please-enter": "Please enter the",
      "code": " code ",
      "in-the": "in the",
      "box": " box ",
      "click-submit": "below and click submit to enable you proceed."
    },
    "policies": {
      "terms": {
        "terms": "Terms & Agreement",
        "you": "You must read, agree with, and accept this Agreement, before you may become a corporate or individual user of Remita platform or mobile application. The onus is on you to access this Agreement, as well as any amendments made thereto and to contact Remita Payment Services Limited in the event of any queries you may have.",
        "definitions-h": "Definitions",
        "definition-and-interpretation-h": "DEFINITION AND INTERPRETATION",
        "platform-use-h": "USE OF PLATFORM",
        "account-registration-h": "ACCOUNT REGISTRATION",
        "contact-h": "CONTACT ON YOUR ACCOUNT OR THE SERVICE",
        "access-limitation-h": "LIMITATION OF ACCESS AND DISCONTINUANCE OF SERVICE",
        "liability-limitation-h": "LIMITATION OF LIABILITY OF REMITA",
        "service-misUse-h": "MISUSE OF SERVICE",
        "third-party-h": "THIRD-PARTY MERCHANTS AND PAYMENT PROCESSORS",
        "intellectual-h": "INTELLECTUAL PROPERTY",
        "data-privacy-h": "DATA PRIVACY",
        "force-majeure-h": "FORCE MAJEURE",
        "governing-law-h": "GOVERNING LAW AND DISPUTE RESOLUTION",
        "ammendment-h": "AMENDMENT",
        "waiver-h": "WAIVER",
        "loyalty-h": "LOYALTY AND REWARDS PROGRAM",
        "severability-h": "SEVERABILITY",
        "wholeAgreement-h": "WHOLE AGREEMENT",
        "eligibility-h": "Eligibility",
        "contract-h": "Contract Between You and RPSL",
        "support": "Support Services",
        "fees-h": "Fees",
        "use": "Use Policy",
        "warranty-h": "Warranty and Service Disruption",
        "confidentiality-h": "Confidentiality",
        "trademark": "Trademarks and other proprietary rights",
        "assignability-h": "Assignability",
        "legal": "Legal Compliance",
        "notice": "Notices and Amendment",
        "dispute": "Dispute Resolution",
        "extended": "Extended Non-use",
        "general-h": "General",
        "entire": "Entire Agreement",
        "application": "Applicable Law",
        "improvement": "Improvement and Changes",
        "force": "Force Majeure",
        "definitions": "1.0 Definitions",
        "definition-and-interpretation": "1.0 Definition and Interpretation",
        "in-document": "In this document, 'User Agreement', 'Agreement', 'Terms and Conditions of Service', Terms of Use Agreement” are synonymous and used interchangeably.",
        "in-agreement": "In this Agreement, 'you' or 'your' or 'User' refers to any entity using the Remita Mobile Application.",
        "unless": "Unless otherwise stated, 'we' or 'our' or 'us' refer collectively to Remita Payment Services Limited.",
        "you-and-us": "'You' and 'Us' are jointly referred to as 'the Parties' in this document, while 'Remita', 'our Services', 'the Services', 'the System', 'Remita Mobile Application'. 'the platform' are synonymous and used interchangeably unless otherwise specified.",
        "agreement": "“Agreement'' means this agreement between “We” and “You” including all applicable schedules and/or documents incorporated by reference hereto.",
        "designated": "“Designated Financial Institution” means a licensed Bank in Nigeria where you shall create and/or maintain an account, and from where funds for transactions processed in accordance with the terms of this Agreement will be deducted.",
        "force-majeure-circumstance": "“Force Majeure” means any circumstance beyond the reasonable control of either Party including but not limited to acts of war (whether war be declared or not), emergency, strike, rebellion, insurrection, government sanctions, accident, internet and communication link failure, power failure, fire, earthquake, flood, storm, tornadoes, hurricane, epidemic or pandemic declared by a National or sub-national authority, collapse, fire or explosion of any our office, events of force majeure declared by the affected Party’s partners or service providers involved in the smooth operation of the affected Party’s obligations in this Agreement or any other act of god or any technical failure caused by devices, matters, materials or any third party payment infrastructure.",
        "intellectual": "“Intellectual Property” means all present and future worldwide patents, trademarks, service marks, trade names, goodwill, registered designs, design rights, database rights, copyrights, inventions, rights in computer software and other forms of intellectual or industrial property and all registrations, applications, renewals, extensions, combinations, divisions, or reissues of the foregoing.",
        "platform": "“Remita Mobile Application” or “Platform” means the financial technology solution suite and platform designed and offered by RPSL for the processing of electronic payments, bills payments, funds transfer, airtime, data, internet services, micropension, loans and credit, savings and investments, among other services.",
        "remita-or-rpsl": "“Remita” or “RPSL” means Remita Payment Services Limited.",
        "remita-services": "“Remita Services” means Airtime and data purchase for local and international mobile networks; Payment of electricity, cable TV, and other utility bills; Bank account management; Peer-to-peer funds transfers; Access to other value-added services like loan applications, savings plans, insurance, and other financial products we offer in partnership with licensed third-party providers; Viewing and managing transaction history and digital receipts; Receiving promotional offers and loyalty rewards; Customer support.",
        "transaction": "“Transaction” means (as the context requires in respect of the provision of the Service through the Remita Mobile Application);",
        "account-means": " “Account” means your account in the books of a designated financial institution from where funds for transactions processed through the Platform will be deducted. This does not include a corporate account.",
        "service-means": "“Service” means the Transactions undertaken on the platform or any single transaction thereof.",
        "in-this-agreement": "In this Agreement:",
        "facilitate-cash": "Facilitate cash deposit and withdrawal by eligible persons",
        "facilitate-funds": "Facilitate funds transfer within Nigeria",
        "facilitate-purchase": "Facilitate the purchase of airtime, data and internet services",
        "facilitate-bills": "Facilitate bills payment (utilities, taxes, tenement rates, subscriptions, etc).",
        "transfer-beneficiaries": "Facilitate funds transfer to beneficiaries in other African countries",
        "payment-to-SMEs": "Payments to SMEs, Cooporative Societies, Businesses, Religious Organisations, Non-Governmental Organisations, Schools, Governments etc.",
        "documentation-collection": "Collection of documentation regarding bank account opening and submission to a licensed Bank",
        "facilitate-access": "Facilitate access to credit facilities and micropension services",
        "other-activity": "Any other activity as may be prescribed by us in accordance with the extant laws and regulations.",
        "references": "References to a 'clause' or “Annexure” are references to a clause of or an Annexure to this Agreement.",
        "words-in-singular": "Words in the singular include the plural and vice versa and words of any gender include every other gender and references to legal persons shall include natural persons and vice versa.",
        "the-headings": "The headings to clauses are inserted for ease of reference only and shall not be construed in the interpretation of this Agreement.",
        "statute-reference": "Reference to any statute, statutory provision or regulation includes reference to that statute, statutory provision or regulation as amended, modified or re-enacted.",
        "plaform-use": "2.0 USE OF PLATFORM",
        "remita-mobile-app": "The Remita Mobile Application shall be available through a compatible mobile device, with adequate internet access and other possible software requirements. You are responsible for the aforementioned requirements, including any applicable changes, updates and fees as well as the terms of your mobile device and telecommunication and internet service provider. Remita makes no warranties or representations regarding the availability of telecommunication or internet services from your provider(s) and access to services at any time or from any location; loss, damage or security intrusion of the telecommunication or internet services; any disclosure of information to third parties or failure to transmit any data, communications or settings connected with the Platform or any services provided therein.",
        "in-order-to": "In order to access the Platform, you shall create a user account and be required to login at any specific time of use.",
        "to-set-up": "To set up a user account, Remita will require your contact information including name, email address, mailing address, phone number, unique identifies such as username, password and IP address, and such other information as may be considered necessary at the time of set up of your user account. Where there is a change in any information provided by you, you are responsible to promptly update such information.",
        "you-shall": "You shall at all times material to your use of the Platform maintain the confidentiality of your account, login and password and restrict any unauthorised access to your account. You shall be directly responsible for any and every activity that are conducted by your user account",
        "if-any-info": "If any information provided by you is verified as untrue, inaccurate, false, incomplete or where there are reasonable grounds to suspect that such information is untrue, inaccurate, false, incomplete, or not in accordance with this Agreement, Remita shall have the right to indefinitely suspend or terminate or block access to your user account. Any liability arising from any such untrue, inaccurate, false, or incomplete information provided by you prior to, at the point of or after opening your user account, you shall be liable irrespective of whether your account is still in operation or has been suspended or terminated at the time of verification of such untrue, inaccurate, false or incomplete information provided by you.",
        "your-responsibility": "It is your responsibility to immediately notify Remita of any actual or suspected unauthorised access to your user account not due to any fault of yours.",
        "by-creating-user-acct": "By creating a user account, you represent and warrant that you have the requisite capacity to execute this Agreement and perform your obligations thereunder.",
        "account-registration": "3.0 ACCOUNT REGISTRATION",
        "must-register": "You must register a savings account with any of the listed Banks on the platform or activate any or all of your existing Bank accounts except a corporate account. You agree to provide true, accurate and complete information about yourself for account registration by a licensed Bank and such other (and additional) information as Remita may request in line with regulatory/legal provisions. You must ensure that any third-party information you provide to Remita has been authorised appropriately. You will be given the option of receiving a unique PIN for the purpose of authorising transactions from your account. You are responsible for always keeping your PIN secure, without reservation. For the avoidance of doubt, Remita will not be responsible when/where you compromise your details by disclosing it to third parties.",
        "contact": "4.0 CONTACT ON YOUR ACCOUNT OR THE SERVICE",
        "remita-may-connect": "Remita may contact you regarding your account or the Service. You expressly agree that, as part of the Service, you may, from time to time, receive communications from Remita via email, instant message, telephone, text message (SMS), emails or other means. You may elect to stop receiving promotional messages by emailing your request to opt-out, along with your cell phone number, to support@remita.net, or following the opt-out instructions in the message. Even if you choose to opt out of receiving promotional messages, you may not opt out of receiving service-related messages as these ensure that we are able to deliver accurate, relevant, sensitive and security-related services to you.",
        "access-limitation": "5.0 LIMITATION OF ACCESS AND DISCONTINUANCE OF SERVICE",
        "regulatory-furtherance": "Remita may, in furtherance of regulatory, time-sensitive and security-related purposes, terminate or suspend your access to the Service or discontinue providing the Service or any part of the Service, with due notice to you [or without notice where the suspension or termination is expedient to forestall, curb or extinguish some ongoing fraud, industry-wide compromise or an ongoing financial crime-related investigation]. Rest assured that we will provide as much notice as the circumstance allows and restore the Service at the earliest convenience. You agree that in the event of the foregoing, Remita will not be responsible or liable to you or any third party for such suspension or termination of access to Platform or any service thereof.",
        "remita-may-suspend": "Remita may also suspend or limit your access your access to the Platform for business and operational reasons which may include software updates, systems upgrade amongst others. We shall use reasonable efforts to give you reasonable notice of any such suspension or limitation of access to the Platform.",
        "liability-limitation": "6.0 LIMITATION OF LIABILITY OF REMITA",
        "remita-not-liable": "Remita shall not be liable for any damages you may incur as a result of using the Services on the platform save for direct acts attributable to its gross negligence provided that Remita’s entire liability shall not exceed the total fees earned from services undertaken by you within the one (1) month preceding the negligent incident. The above notwithstanding, in no event shall Remita be liable for any indirect, punitive, incidental, special, consequential damages, or any damages whatsoever arising out of, or in any way connected with the use or performance of the service, with the delay or inability to use the service, the provision of (or failure to provide services), or otherwise arising out of the use of the service, whether based on contract, tort, negligence, strict liability, or otherwise, even if Remita has been advised of the possibility of such damages.",
        "service-misuse": "7.0 MISUSE OF SERVICE",
        "no-platform-use": "You must not use the Platform or in course of your use of the Platform, take advantage of the Platform or the Service(s) thereof to violate or infringe the rights of any other person, including the rights of other users, Remita’s rights in the Service or Merchants’ rights in their Products. You must not breach any laws or regulations when using the Service or attempt to disrupt or interfere with the security or functionality of the Platform or any Service therein. If Remita reasonably suspects that you are using the Services for illegal activities (including fraud, money laundering or other related illegalities) or where there is an actual breach in the regard, Remita in addition to reporting to the appropriate law enforcement agencies or other regulator(s), reserves the right to suspend or terminate your access to the Platform or any service thereof immediately without liability and You shall be liable for any claim(s), regulatory or judicial proceeding arising therefrom.",
        "third-party-merchants": "8.0 THIRD-PARTY MERCHANTS AND PAYMENT PROCESSORS",
        "the-services": "The Services undertaken in this Platform are products of third-party merchants and financial services. Utilization of any such service(s) on the Platform such as loans, savings or similar financial offerings provided by our partner lenders and financial institutions shall in addition to the terms of this Agreement be subject to the relevant Merchant’s or financial institution’s terms and conditions. We are unable to investigate, monitor, or check the products for accuracy, reliability, appropriateness or completeness. By granting you access to discover the Products via the Service, Remita does not imply approval or endorsement of such Products. You therefore agree that Remita is not responsible or liable for the Products you purchase from Merchants and financial institutions.",
        "facilitate-purchases": "In order to facilitate your purchases from Merchants, Remita has integrated the Services with the billing solutions of certain mobile money providers and credit card issuing banks (“Payment Processors”). You agree that when you purchase a Product from a Merchant using your supported bank account, payments will be processed by such Payment Processors and that that Payment Processing transaction between you and the Payment Processor shall be subject to the terms and conditions governing your use of the payment services. You understand and agree that Remita does not process payments and is not responsible or liable for any transactions in which you engage. By engaging in a purchase transaction using your account, you authorise the Merchant (or Remita on its behalf) to bill your account for the purchase amount.",
        "intellect": "9.0 INTELLECTUAL PROPERTY",
        "all-logos": "All logos, products, services or other content on the platform are the intellectual property of RPSL, or its licensors, and shall not be copied, imitated or used, in whole or in part, without the prior written permission of RPSL. In addition, all page headers, custom graphics, button icons, and scripts are service marks, trademarks, and/or trade dress of Remita and may not be copied, imitated, or used, in whole or in part, without the prior written permission of RPSL. Neither this Agreement, nor your use of Remita Mobile Application will convey title or any interest or rights in RPSL's intellectual property rights.",
        "privacy": "10.0 DATA PRIVACY",
        "remita-takes": "Remita takes the protection and security of your information very seriously. Remita’s privacy policy governing the use of the Platform or access to the Services is incorporated into these Terms by this reference. By using the Service, you agree to the use of your data under Remita’s Privacy Policy. The Privacy Policy addresses only the personal information processed by Remita in providing the Service to you. Merchants and Payment Processors have their own information-gathering practices which apply when you choose to purchase their Products or Services.",
        "majeure": "11.0 FORCE MAJEURE",
        "neither-party": "Neither party shall be liable for nor deemed to be in default for any delay or failure to perform its obligation under this agreement wholly or partly where such failure or delay results directly or indirectly, from a force majeure event. The defaulting Party by reason of force majeure shall give notice and particulars to the other Party within seven (7) days or such other reasonable time after the occurrence of the cause relied upon.",
        "governing": "12.0 GOVERNING LAW AND DISPUTE RESOLUTION",
        "this-agreement": "This Agreement is subject to, and shall be governed by, and construed in accordance with the laws of the Federal Republic of Nigeria. Any dispute arising concerning the interpretation, validity or implementation of this Agreement not solved by mutual agreement between the Parties shall be submitted to mediation to take place in Lagos, Nigeria in English language before a Sole Mediator to be appointed by Parties. Nothing in this Agreement will be deemed as preventing Remita from seeking injunctive relief (or any other provisional remedy) from any court having jurisdiction over the Parties and the subject matter of the dispute as is necessary to protect Remita’s name, proprietary or confidential information, trade secrets, know-how, or any other intellectual property rights.",
        "ammendment": "13.0 AMENDMENT",
        "modify-remita": "Remita may modify, alter and amend this Agreement, the nature of services provided hereunder, and related policies (including but not limited to the Privacy Policy) at any time in the future. Where this happens, we will communicate the changes to you within reasonable time through the website or any of your provided communication channel. By continuing to use the Platform, you agree to be bound by the latest version of these Terms. It is your responsibility to familiarize yourself with the communicated changes.",
        "waiver": "14.0 WAIVER",
        "the-rights": "The rights and remedies of a Party in respect of this Agreement shall not be diminished, waived or extinguished by the granting of any indulgence, forbearance or extension of time by one Party to another or by any failure of or delay by a Party in ascertaining or exercising any such rights or remedies.  Any release by a Party shall not affect its rights and remedies as regards any other Party or its rights and remedies against the Party in whose favour it is granted or made except to the extent of the express terms of the release and no such release shall have effect unless granted or made in writing.",
        "fees-14": "15.0 FEES",
        "certain-transactions": "Certain transactions may attract applicable fees which shall always be transparently displayed at the point of transaction.",
        "loyalty": "16.0 LOYALTY AND REWARDS PROGRAM",
        "we-reserve": "We reserve the right to run a loyalty or rewards program on the platform, eligibility for which shall depend on defined metrics or criteria which shall be communicated from time to time.",
        "severabiliy": "16.0 SEVERABILITY",
        "if-any": "If any of the terms of this Agreement are found to be invalid, unlawful or unenforceable, such terms will be severable from the remaining terms, which will continue to be valid and enforceable.",
        "whole-agreement": "18.0 WHOLE AGREEMENT",
        "agreement-constitutes": "This Agreement constitutes the whole agreement between the Parties with respect to the subject matter hereof and no warranties or representations of any nature whatsoever other than set out in this Agreement have been given by any of the Parties.",
        "in": "In this document, 'User Agreement', 'Agreement', 'Terms and Conditions of Service' are synonymous and used interchangeably' In this Agreement, 'you' or 'your' or 'User' refers to any person or entity using the service. Unless otherwise stated, 'RPSL,' 'we' or 'our' or 'us' will refer collectively to Remita Payment Services Limited and its subsidiaries, affiliates, directors, officers, employees, agents and partners. You and RPSL are jointly referred to as 'the Parties' in this document, 'Remita', 'our Services', 'the Services', 'the System', 'Remita app' 'the platform' are synonymous and used interchangeably unless otherwise specified. 'Remita' means the range of products and services with the 'Powered by Remita' notice offered by RPSL and its partners as an online platform for the Management of:",
        "business": "Business Users",
        "payment": "Payment of Taxes:",
        "remita": "Remita enables remittance of all taxes including PAYE, VAT and WHT, to the relevant Tax authorities.",
        "payment-pension": "Payment of Pension:",
        "remita-enables": "Remita enables remittance of pension contributions and delivery of accompanying schedules to Pension Fund Administrators and Pension Fund Custodians.",
        "payroll": "Payroll, Pension Processing and Biometrics:",
        "enables": "Remita enables customers to process their payroll and pensions and carry out biometrics enrollment and verification of their employees and pensioners.",
        "schedule": "Schedule Delivery",
        "enables-delivery": "Remita enables delivery of matching schedules in recipients' specified formats. These schedules are sent to appropriate recipients simultaneously as payments are made.",
        "individual": "Individual and Other Users",
        "vendors-payment": "Payment of Vendors and Third Parties:",
        "enables-customers": "Remita enables customers to make electronic payments from any bank account into the accounts of vendors, suppliers and other third parties in any bank or other designated financial schemes.",
        "account": "Account Balance and Transaction Monitoring:",
        "customers-convenience": "Remita enables customers at their convenience, to view their account balances across banks, and it provides clear and definitive status of transactions at all times.",
        "payment-collection": "Payment Collection from Service Users:",
        "enables-automated": "Remita enables automated collection of fees and other charges from service beneficiaries via multiple channels.",
        "vas": "Value Added Services",
        "remita-platform": "Remita platform also provides value-added services such as loan disbursement, transaction referencing, third-party application integration, etc. and also Marketplace services such as; ticketing, airtime and utility vending, International transfers, etc.",
        "eligibility": "2.0 Eligibility",
        "in-order": "In order to use the Service, you must apply to your bank for a Personal or Corporate profile. Our Services are available to you based on the approval of your Remita Card (Remita Card is a virtual debit card that provides Remita users electronic access to their corporate accounts at a financial institution) by your bank.",
        "without": "Without limiting the foregoing, we reserve the right to deny, suspend or terminate delivery of our Service to persons who present an unacceptable level of risk as determined by regulatory, industry and our standards.",
        "contract": "3.0 Contract Between You and RPSL",
        "your-acceptance": "Your acceptance of these Terms and Conditions of Service is established either:",
        "by-using": "by using your personal details to log-in to Remita or any of the related solutions 'Powered by Remita', or",
        "by-installing": "by installing or using any Remita service or products or solution 'Powered by Remita', or",
        "by-integrating": "by integrating Remita with your third party application for the purpose of sending payment or collection instructions for processing and receiving feedback as to the status of the processed transactions.",
        "relationship": "Relationship",
        "remita-facilitates": "Remita facilitates your transfer to and receipt of funds from third parties. Based on your instructions, you acknowledge that:",
        "payment-instructions": "Payment instructions on the platform are driven strictly by account numbers and not by the beneficiary names supplied.",
        "payments-will": "Payments will be applied by Remita Partner Banks into the beneficiary account numbers supplied by you at the time of upload of payment instructions.",
        "any": "Any payment instruction, including but not limited to standing instruction related debits, processed through Remita that failed processing for any reason whatsoever will be automatically retried towards ensuring its successful processing.",
        "you-are": "You are fully responsible for the completeness, correctness and validity of data supplied on the platform, including but not limited to:",
        "beneficiary": "Beneficiary account number",
        "beneficiary-account": "Beneficiary account name",
        "amount": "Amount",
        "beneficiary-phone": "Beneficiary phone number",
        "beneficiary-email": "Beneficiary e-mail address",
        "neither": "Neither RPSL nor any of the Partner Banks can be held liable for any incorrect beneficiary name, account number, amount, phone number, e-mail address or other data that a registered user uploads on the platform.",
        "not-a-bank": "Remita is not a bank.",
        "not-trustee": "We are not acting as a trustee, fiduciary or escrow with respect to your funds.",
        "when": "When you send a payment instruction, until that payment is accepted by the recipient, you remain the owner of those funds, but you will not be able to withdraw those funds or send the funds to any other recipient unless the initial transaction is cancelled.",
        "we-act": "We act as service providers by creating, hosting, maintaining and providing our Service to you through the Internet. We do not have any control over the products or services that are paid for through our Service. We cannot ensure that a buyer or a seller you are dealing with will actually complete the transaction and we shall not bear any liability for any incomplete transaction between you and the other party with whom you may be transacting.",
        "when-you": "When you use Remita to manage the payroll of your organization, Remita shall use best efforts to process the information provided by you to ensure that the computed figures are accurate and represent your expectations. It however remains your responsibility to confirm your satisfaction with computed figures before you approve same for payment.",
        "remita-compute": "When you request Remita to compute your taxes based on the Nigerian tax laws, Remita shall use best efforts to process information provided by you to ensure that the computed figures are accurate and represent the expectations of the tax authorities. It however remains your responsibility to confirm your satisfaction with computed figures before you approve same for payment.",
        "remita-collection": "When you use Remita for collection of funds by way of an automated direct debit from the accounts of third parties, such parties will be entitled to a prompt refund of such payments simply by submitting appropriate claims to us in accordance with the relevant direct debit guidelines from the Central Bank of Nigeria or other regulatory requirements.",
        "use-remita": "When you use Remita as a registered Biller/Collector/Merchant for collection of funds paid by service beneficiaries into your designated collection account(s) through any of the Remita payment channels such as any bank branch, online banking sites, debit/credit cards, digital wallets, POS or mPOS terminals, direct debit, standing order, cash collection points etc., Remita shall use best efforts to process information provided by the payer in accordance with what has been entered into the system such that funds collected are accurate and represent your expectations. It however remains your responsibility to confirm your satisfaction with collected funds for which the payer is enjoying your products or services.",
        "remita-would": "Remita would normally settle collected amounts into merchant accounts on the same day, except for funds collection via debit/credit cards, digital wallets, POS and mPOS terminals and other card related transactions, settlement for which is normally done to merchants accounts on a T+1 basis (the day after the transaction), in line with industry standards. International payments will be subject to international best practices.",
        "remita-biller": "When you use Remita as a registered Biller for collection of funds paid by service beneficiaries into your designated collection account(s) through any of the Remita payment channels, You hereby grant us the unconditional right (without any liability whatsoever) to publish your name as a Biller on any other platform owned by RPSL and/or any other aggregator’s platform with whom we have a business relationship, for the purpose of facilitating the collection of payments due to you, and expanding your access to payers.",
        "access-profile": "In addition to being able to access your Remita profile through Remita web and the Remita mobile application, by becoming a registered user on the platform, you may be able to make payments directly from the portal/platform of a Biller/Merchant registered on Remita. In such an instance, you shall be required to authenticate your status as a registered Remita user, select any of your bank accounts that are profiled on the platform from which the payment is to be made and authorize your payment accordingly.",
        "inform-change": "As a Biller, You shall inform us of any change in control or ownership of your business.",
        "inform-alliance": "You will inform us of any alliance, joint venture, partnership or any other business combination arrangement You may go into with any foreign entity.",
        "no-third-party": "You shall not accept payment for or on behalf of any third Party through Remita.",
        "comply-payment": "You shall fully comply with all applicable Payment Schemes rules and regulations, Card usage and acceptance requirements and merchant monitoring standards.",
        "terminate-agreement": "We reserve the right to terminate this Agreement in the event any of Your contracts with a payment scheme provider or Bank partner is terminated for any reason whatsoever.",
        "authenticated-procedures": "We shall not oblige Your request to switch off any authenticated procedures insofar as it pertains to the processing of a card payment transaction.",
        "fraudulent-transactions": "You must not submit, and we shall not accept, any transaction that you know is, or should have known was, illegal or fraudulent.",
        "prevent-fraud": "You shall at all times, prevent fraud through your action or inaction on Remita, and shall provide us with reasonable assistance upon request, for the prevention and detection of fraud or other criminal activity in respect of transaction.",
        "responsible-for": "You shall be responsible for the conduct of your employees, agents and representatives as it pertains to the use of Remita as contemplated in this Agreement, and you shall indemnify us for any loss we may suffer as a result of any action or inaction of your employees, agents and/or representatives.",
        "no-debt": "We shall not accept transactions made using a payment card for any Debt repayment (unless authorized by us in writing).",
        "identity-authentication": "Identity Authentication",
        "identify-users": "We use many techniques to identify users when they register on the platform. Verification of Users is only an indication of increased likelihood that a User's identity is correct. You authorize us to, directly or through third parties, make any inquiries we consider necessary to validate your registration. This may include verifying the information you provide against third party databases. In addition, we reserve the right to employ other means of verification of authenticity for transactions we deem suspicious or for accounts conducting high value or high volume transactions to ensure integrity of the transactions and we may thus delay execution of such instructions.",
        "warranty": "No Warranty",
        "provide-services": "We provide our services 'as is' and without any warranty or condition, express, implied or statutory. We, specifically disclaim any implied warranties of title, merchantability, fitness for a particular purpose and non-infringement to the full extent permissible by the law.",
        "provide-the": "We shall provide the Services with due care and skill, in consideration for your payment of the applicable fee or charge. Please be informed that our Services may suffer from delays, errors or other unintended outcomes.",
        "make-reasonable": "We shall make reasonable efforts to ensure that requests for electronic debits and credits and other transactional operations are processed in a timely manner but we make no representations or warranties regarding the amount of time needed to complete processing because our Service is also dependent upon other factors outside of our control, one of which is the operational efficiency of all stakeholders.",
        "limitation": "Limitation of Liability",
        "not-liable": "We shall only be liable for your direct loss or damage, proven to be a foreseeable result of our breach of this agreement. We will also be liable for any obligation that cannot be limited or excluded as a matter of law.",
        "loss-damage": "We will not be liable for any loss or damage arising as a result of unauthorised access to the service if (a) You intentionally or negligently failed to take reasonable precautions to protect your security, access codes, login details or any device used to access the service, (b) You failed to promptly notify us that the service was being accessed in an unauthorised way after becoming aware of it, or (c) You acted fraudulently.",
        "in-no-event": "In no event shall RPSL be liable for loss of income, profits, business, opportunity, contracts or any indirect, special, incidental or consequential damages arising out of or in connection with our platform, our service, or this Agreement.",
        "our-liability": "Our liability to you or any third party in any circumstance of proven liability by us, shall not exceed the fees paid to us in respect of the specific transaction that gave rise to the claim or liability.",
        "indemnification": "Indemnification",
        "breach-agreement": "You agree that if you are in breach of this Agreement or the documents it incorporates by reference, or if you violate any law or the rights of a third party in connection with your use of the service, we shall not be responsible for any damage, loss, liability or third party claim you incur wholly or partly by your breach or violation.",
        "indemnify": "You agree to indemnify and hold RPSL, harmless from any claim or demand (including attorneys' fees) made by you or any third party arising wholly or partly from your breach of this Agreement or the documents it incorporates by reference, or your violation of any law or the rights of a third party relating to your use of the Service.",
        "authorized": "Authorized Signatories",
        "undertake": "You undertake that:",
        "authorized-signatories-setup": "Authorized signatories shall be setup on Remita to;",
        "approve-instructions": "Approve remittance instructions and other relevant transactions in accordance with your internal approval rules. You understand that these approval rules will be applied to all remittance instructions and other relevant transactions processed on Remita and therefore will not be subjected to telephone, e-mail or any other manual confirmation by banks before transactions are completed.",
        "approve-additional": "Approve on your behalf, subscription for additional services that may be offered by us on the Platform, including but not limited to Data Referencing Service.",
        "terminate-access": "If any Authorized signatory or any of your other registered users on the Platform cease to be your employee, you must immediately terminate his/her access to Remita and any other service which the Authorized signatory or registered user can access on your behalf. You will be responsible for any and all actions taken by your Authorized signatory or any of your other registered users on the Platform. You must notify us immediately you notice or suspect any unauthorized use of your profile on the Platform.",
        "keep-confidential": "You will keep confidential all Remita security related information such as passwords, Access Codes and Personal Identification Numbers (PIN). You understand that RPSL, banks, their affiliates and service providers will never request you to divulge any of this information by phone, mail or any other means. You are obliged to report any representation to the contrary to RPSL and your bank promptly.",
        "payment-instructions-made": "Payment instructions made to your banks by cheques, or any channel other than Remita, will continue to be subjected to all your current mandate instructions and confirmation rules.",
        "electronic-transfer": "When you make a payment through Remita, you are requesting an electronic transfer from your account. Upon such request, Remita will transmit your instructions to your bank to transfer from your account the amount you specify. You agree that such requests constitute your authorization for such transfers.",
        "protect-claims": "Except when caused by RPSL's or the banks' misconduct or negligence, you will protect RPSL, the banks, their affiliates and service providers from any and all claims, liability, damages, expenses and costs caused by or arising from your use of the service.",
        "support-services": "4.0 Support Services",
        "dedicated-support": "RPSL has a dedicated support unit manned by highly experienced and professional personnel. Customer support issues are managed through a Customer Relationship Management (CRM) system. Customer complaints made through our dedicated email and telephone lines are logged and monitored until a resolution is achieved. Our support team is always available to receive enquiries on weekdays, weekends and public holidays. All support related enquiries should be routed via the email support@remita.net or telephone number (+234) 700-4-REMITA (0700-7-877678). Contact details are also displayed on the 'Contact' section of our website at www.remita.net, which may be updated from time to time.",
        "standard-support": "Standard Support Services",
        "support-description": "Standard Support Services provided by us are as listed below and are covered by your transaction fees and do not attract any further charges.",
        "processing-application": "Processing of your application to use the system including the creation of your login details and activation of your Remita profile.",
        "initial-setup": "Initial Setup of your profile on the system.",
        "required-support": "Required support to ensure successful execution of your payment instructions.",
        "application-updates": "Deployment of application updates and patches.",
        "telephone-email": "Telephone and e-mail support services in response to your queries.",
        "extended-support": "Extended Support Services for Corporate Users",
        "additional-services": "Upon your request, we are also able to provide additional services which are charged separately. Our extended support services include:",
        "consultancy-services": "Consultancy Services requiring our physical presence in your office or any designated location indicated by you. Please note that, we are able to provide consulting services to you under the following terms and conditions.",
        "representative-availability": "Your nominated representative shall be available for the assignment 100% of the time, give highest priority to tasks, activities and issues relating to the assignment and adhere to schedules and provisions of this Agreement.",
        "data-entry": "You will accomplish all data entry tasks, either by being directly involved in entering data required or by mobilizing necessary clerical support.",
        "office-space": "You shall provide reasonable and appropriate office space for our consultants, with internet access and assure their access to a meeting room, before the assignment will commence and throughout the engagement.",
        "consultancy-fee": "The consultancy services shall attract a fee payable before resource persons are deployed to your location.",
        "audit-support": "Audit and Investigative support services: Where our services are required to support your internal or external auditors, regulatory or law enforcement agencies, we shall work with you to determine the level of work required, agree on the scope, work plan and applicable charges for the assignment.",
        "bespoke-development": "Bespoke Development and Interfaces as may be requested by you: We shall work with you to determine the level of work required, agree on the scope, work plan and applicable charges for the assignment.",
        "training-services": "Training Services on Remita will be based on the following conditions which shall govern your request for training before, during and/or after your commencement of the use of Remita:",
        "register-nominees": "You shall register your nominees online at www.remita.net.",
        "notify-cancellations": "You shall notify us about cancellations of nominations at least five (5) days prior to course start dates.",
        "training-fees": "You shall pay us the total training fees at least seven (7) working days before commencement of any training course.",
        "transportation-accommodation": "You shall be responsible for the transportation and accommodation of your nominees throughout the period of the course.",
        "training-hours": "Your nominees shall be available for scheduled training courses between our official training hours of 9.00 am and 4.00 pm.",
        "responsible-absence": "You shall be responsible for the absence, withdrawal, or non-active participation of your nominees at our training courses.",
        "protect-copyright": "You shall, through your nominees, ensure that our copyright in our training materials is protected.",
        "fees": "5.0 Fees",
        "fees-description": "The processing fees payable for our services are as displayed on your Remita profile screen during transaction processing or as stated below. The fees are computed per record and charged alongside each batch of transactions that you process.",
        "fees-payable": "The fees payable for our services are:",
        "bills-payments": "Bills Payments (Regular): 1.5% of transaction value subject to a maximum of ₦2,000 per transaction. Fees for payments in favour of educational institutions is ₦300 per transaction.",
        "international-transaction": "International Transaction: 4.0% of transaction value",
        "payroll-setup": "Payroll Setup: ₦500 per employee (payable only at the first time of enrolling an employee)",
        "payroll-processing": "Payroll Processing (Employee or Pensioner): ₦250 per transaction.",
        "payment-vendors": "Payment to Vendors, Payroll/Salary Beneficiaries and other 3rd parties with value-add services: ₦100 per million, subject to a maximum of ₦5,000 per transaction.",
        "direct-debit": "Direct Debit/ Standing Order: 1% Maximum of ₦1,000 per transaction.",
        "schedule-delivery": "Schedule Delivery: ₦2,500 per Schedule per Recipient.",
        "self-service": "Self Service: ₦50 per employee per month.",
        "performance-appraisal": "Performance appraisal: ₦50 per employee per month.",
        "claims-processing": "Claims processing: ₦50 per employee per month.",
        "leave": "Leave: ₦50 per employee per month.",
        "loan-collections": "Loan Collections: 1% of loan amount",
        "convenience-fees": "Convenience Fees: Where applicable and subject to our discretion, we may charge a convenience fee in addition to the applicable fee listed above. In such an instance, the Payer shall be notified of the amount payable at the point of consummating the transaction.",
        "special-prices": "Special Prices not included here: The prices stated in this Agreement are for the standard service offerings on the platform. Special prices will be agreed for projects with features extending beyond our standard services.",
        "fees-computed": "The above fees are computed and charged alongside each batch of transactions that you process. Any disparity between the fees stated herein and the fees stated on your Remita Profile Screen will be resolved in favour of the fees stated on your Remita Profile Screen during transaction processing.",
        "fees-extended": "Fees for Extended Support Services",
        "consultancy-service": "Consultancy, audit and investigative support services are charged at ₦100,000 per Consultant per day, regardless of time spent, up to a maximum of 8 hours per day. This fee covers our Consultant's time and expertise spent on the assignment. It excludes reimbursable expenses for logistics, travel, hotel accommodation and other incidentals outside Lagos; report production, stationeries, and photocopying which are charged separately.",
        "user-administration": "User Administration requests are charged at ₦10,000 per amendment request.",
        "customization-integration": "Customization and/or integration charges are specified per project, and will be determined at the time of scoping the work, as the scope of work involved may vary.",
        "training-services-fee": "The fees for our Training services are published alongside our Training schedules on our website. Payment for all our extended services shall be upfront and paid in full.",
        "fees-exclusive": "Fees Exclusive of Taxes",
        "exclusive-description": "All fees and charges quoted in this Agreement exclude any applicable taxes, which will be chargeable at the prevailing rate. You will be responsible for the payment of any taxes imposed by any governmental taxing authority on the amounts you are liable to pay to us under this Agreement, including, but not limited to, withholding taxes of whatever nature. If any deductions or withholdings are required by law to be made from the fees payable to us, you agree to promptly pay such Withholding Taxes and obtain and deliver to us proof of payment of such Withholding Taxes together with official evidence thereof issued by the governmental authority concerned, sufficient to enable us support a claim for a tax credit in respect of any sum so withheld. If we are unable to obtain such tax credit due to your failure to comply with the above provision, then you agree to pay to us a sum equal to the amount of the tax credit we are not able to claim as a result of your failure.",
        "change-fees": "Change of Fees",
        "change-of-fees": "RPSL reserves the right to change the processing fees as well as the fees for extended support services. Notices of such changes shall be communicated in line with the provisions of Clause 12.1 of this Agreement.",
        "chargebacks-refunds": "Chargebacks, Refunds and Reversals",
        "refunds-reversals": "As a registered biller on Remita, we may apply chargebacks against your collection accounts for:",
        "disputed-payments": "Disputed payments reported by a Payer to which satisfactory evidence of goods and service delivery could not be provided by you,",
        "unlawful-transactions": "Transactions that we suspect to be unlawful;",
        "prohibited-transactions": "Transactions that are prohibited under this Agreement;",
        "non-compliant": "Transactions that do not comply with card network/scheme rules or the terms of this Agreement or",
        "reversals-schemes": "Any reversals for any reason by the card network/scheme, our processor, or the participating banks.",
        "chargeback-liability": "Where a chargeback occurs, you shall become immediately liable for all claims, fines, liabilities and expenses we incur arising out of that chargeback.",
        "wrongful-payments": "As a beneficiary of any form of payment on Remita, if it is established that your account was erroneously credited with a value (“Wrongful Payment”), appropriate reversals will be triggered against such account into which the Wrongful Payment was credited, till the entire amount is fully reversed. Wrongful Payments include but are not limited to (a) unfunded payments, (b) multiple payments for the same set of transactions and (c) fraudulently processed payments.",
        "liability-guarantee": "We do not guarantee or assume any liability for transactions authorised and completed that are later reversed or charged back. You are solely responsible for all reversed or charged back transactions, regardless of the reason, basis, or duration of the reversal or chargeback.",
        "right-to-deduct": "You hereby grant us the unconditional right to deduct any amount, fee, fine or penalty due to be paid by you as a result of any reversals, chargebacks, or violation of card scheme rules. You agree that we shall debit your collection account or any account linked to your BVN to enable us recover any fee, fine or penalty, and/or set-off the applicable amounts against future settlements due to you.",
        "repayment-involvement": "We shall not be involved in any repayment claim from you, after a chargeback claim has been successfully settled in favour of a customer.",
        "use-policy": "6.0 Use Policy",
        "acceptable-policy": "Acceptable Use Policy",
        "acceptable-description": "The following activities constitute a violation of the Acceptable use of Remita",
        "illegal-activities": "Using the Remita service to make or receive payments for any illegal, fraudulent, immoral or otherwise socially reprehensible purposes including but not limited to materials that infringe the intellectual property rights of third parties.",
        "narcotics-payments": "Using the Remita service to make or receive payments for any narcotics, other controlled substances, steroids or illicit drugs.",
        "invoice-payments": "Using Remita to make or accept payments for goods or services where payment is not yet due and for which no invoice exists which can be presented to RPSL upon request.",
        "rules-violation": "Using Remita to make or accept payment or conduct activities in a manner that RPSL or any of its partners reasonably believe to be an abuse or violation of existing rules by regulators, Card scheme providers or the CBN.",
        "high-risk": "Using Remita to make or accept payments for the following high risk activities without RPSL’ prior written approval:",
        "sell-securities": "Sell securities, business opportunities, franchise, multi-level marketing, or for the pre-order of goods;",
        "sexually-oriented": "payment for any sexually oriented or obscene materials or services;",
        "cryptographic-currencies": "Buy or sell cryptographic currencies;",
        "money-transfer": "Inbound and outbound international money transfer services;",
        "gambling-payments": "payments for wagers, gambling debts or gambling winnings, regardless of the location or type of gambling activity;",
        "direct-marketing": "Offer, or conduct any form of direct marketing activities (such as, but not limited to inbound and/or outbound telemarketing activities) and travel related services;",
        "prescription-payments": "payments for any prescription and proprietary drugs and non-prescription (over the counter) medicines;",
        "wholesale-prescription": "payments for the wholesale distribution of prescription drugs, proprietary drugs, vitamins, druggists’ sundries and toiletries, antiseptics, bandages, pharmaceuticals, and biological or related products;",
        "pawn-shop": "Receive payments in exchange for personal property left with you , as a merchant, as security (in other words, any service associated with a pawn shop);",
        "high-value": "Receive payments for high-value jewelry, precious stones, gems, gold, platinum, silver or minerals; and/or",
        "tobacco-liquor": "Receive payment for tobacco or liquor.",
        "restricted-activities": "Restricted Activities",
        "activities-description": "You agree that your information and your activities (including your payments and receipt of payments) through our Service shall not:",
        "false-information": "Be false, inaccurate or misleading;",
        "fraudulent-activities": "Be fraudulent or involve the sale of counterfeit or stolen items;",
        "terrorism-activities": "Be related in any way to terrorism and/or criminal activities, including but not limited to payment or the acceptance of payments for unauthorised firearms or weapons;",
        "property-infringement": "Infringe on any third party's copyright, patent, trademark, trade secret or other property rights or rights of publicity or privacy;",
        "law-violation": "Violate any law, statute, ordinance, contract or regulation (including, but not limited to, those governing financial services, consumer protection, unfair competition, antidiscrimination, or false advertising);",
        "defamatory-material": "Be defamatory, libelous, unlawfully threatening or unlawfully harassing;",
        "obscene-material": "Be obscene or contain child pornography;",
        "malware": "Contain any viruses, Trojan horses, worms, time bombs, cancel bots, easter eggs or other computer programming routines that may damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or other personal information; or",
        "liability-creation": "Create liability for us or cause us to lose (in whole or in part) the services of our ISP's or other suppliers. If you use, or attempt to use the Service for purposes other than sending and receiving payments, managing your account and the services listed in clause 1.0 above, including but not limited to tampering with, hacking, modifying or otherwise corrupting the security or functionality of the Service, your account will be terminated and you will be subject to claims for damages and other lawful penalties, including criminal prosecution where applicable.",
        "access-interference": "Access and Interference",
        "interference-description": "You agree that you will not use any robot, spider, other automatic device, or manual process to monitor or copy our web pages or the content contained herein without our prior express written permission. You agree that you will not use any device, software or routine to attempt to interfere with the proper working of the Remita site or any activities conducted on our site. You agree that you will not take any action that imposes an unreasonable or disproportionately large load on our infrastructure. Most of the information on our site is proprietary or is licensed to us. You agree that you will not copy, reproduce, alter, modify, create derivative works, publicly display or frame any content from our website without our prior express written permission.",
        "remedies-rights": "Our Remedies and Right to terminate or restrict your activities.",
        "rights-description": "Without limiting other remedies available to us, we may verify inaccurate or incorrect information you provide to us, contact you by means other than by electronic means, immediately warn our community of your actions, limit access to an account and any or all of the account's functions (including but not limited to the ability to send money or make payments), limit activities, indefinitely suspend or close your account, terminate this Agreement and refuse to provide our Services to you if:",
        "agreement-breach": "You breach this Agreement or the documents it incorporates by reference;",
        "verification-failure": "We are unable to verify or authenticate any information you provide to us;",
        "fraud-risk": "We believe that your account or activities pose a significant fraud risk to us;",
        "financial-loss": "We believe that your actions may cause financial loss or legal liability for you, our users or us;",
        "scheme-rule": "We believe that any applicable rule stipulated by the Payment schemes may affect your use of the platform.",
        "electronic-payment": "Your use of Remita is deemed by us to constitute abuse of the electronic payment system or electronic payment rules, including (without limitation), using the Remita system to test Remita card behaviours.",
        "fraudulent-activity": "For the avoidance of doubt, if a fraudulent activity is associated with the operation of your Remita profile, you agree that we have the right to apply restrictions to the profile and report to appropriate law enforcement agencies.",
        "suspension-mandates": "Suspension of Activated Mandates.",
        "suspension-criteria": "Without recourse to you, we may suspend any activated mandate, debit or credit instruction initiated by you if:",
        "suspension-interest": "We consider such suspension would be in the interest of any of the stakeholders on the platform; or",
        "security-compromise": "There are reasonable grounds to suspect a compromise of security or any unauthorized activity on your registered bank account or profile on the Platform.",
        "suspension-impact": "Further to clause 6.5.1, you understand that such a suspension may impact your ability to initiate any transaction, activate another debit against a suspended mandate or complete any duly authorized transaction for the duration of such suspension. In such an instance, we shall not be liable to you for any reason whatsoever.",
        "privacy-security": "Privacy and Security",
        "security-description": "We view the protection of users' privacy as a very important principle. We understand clearly that you and your Information are one of our most important assets. We store and process your Information on computers that are protected by physical as well as technological security devices. We do not give your personal information to third parties for marketing purposes without your consent. You may object to your information being used in this way and thereby opt out from using our Services. Please ensure that you read our privacy policy available on www.remita.net. By consenting to this Agreement, you also consent to our privacy policy.",
        "investigation-rights": "You hereby grant us the right to conduct any investigation in any manner we deem fit, on your background and operations, including but not limited to credit background checks, banking relationships and financial history. In addition, you hereby give us your consent to disclose the details of any investigation conducted pursuant to this clause, to Payment scheme, processors, Bank partners and/or regulators, without recourse to you.",
        "warranty-service": "7.0 Warranty and Service Disruption",
        "service-warranty": "We warrant that the service will in all material respects, deliver on the agreed terms herein. Should the service be disrupted to such an extent that there is likely to be an adverse effect to the service provided, we will endeavor to notify you of such within a reasonable time. In the event of any service delay or failure, we shall take necessary steps to ensure speedy service restoration and reduce to the barest minimum the extent of such service failures. However, we shall not be liable to you for any loss or damage.",
        "biller-warranty": "As a Biller, you warrant that you are not a payment service provider and you do not intend to provide any form of aggregation services.",
        "scheme-termination": "You warrant that you have never had an agreement with a Payment scheme which was terminated upon request and/or demand by the Payment scheme or any regulatory authority.",
        "information-provision": "You shall, upon written request by us, provide us with any information we request of you, including your company registration documents, and you hereby give us your consent to disclose any information obtained pursuant to this clause, to any government regulator or payment scheme provider.",
        "confidentiality": "8.0 Confidentiality",
        "confidentiality-agreement": "By the nature of this Agreement, the parties may have access to information that is confidential to one another. Such confidential information shall include the parties' business methods, salary structure, marketing strategies, pricing, competitor information, and all other information designated as confidential by either party. Each party agrees to maintain the confidentiality of such information and to protect the other party's confidential information by using all reasonable efforts to prevent any unauthorized copying, use, distribution, installation, or transfer of possession of such information.",
        "trademarks": "9.0 Trademarks and other Intellectual Proprietary rights",
        "trademarks-other": "Remita, Remita.net and all logos, products, services or other content on www.remita.net or other mobile download platforms are the intellectual property of Remita Payment Services Limited, or its licensors, and may not be copied, imitated or used, in whole or in part, without the prior written permission of RPSL. In addition, all page headers, custom graphics, button icons, and scripts are service marks, trademarks, and/or trade dress of Remita and may not be copied, imitated, or used, in whole or in part, without the prior written permission of RPSL.",
        "intellectual-property": "Neither this Agreement, nor your use of Remita will convey title or any interest or rights in RPSL' intellectual property rights.",
        "assignability": "10.0 Assignability",
        "transfer-rights": "You may not transfer any rights or obligations you may have under this Agreement without our prior written consent. We reserve the right to transfer this Agreement or any of our rights and/or obligations under this Agreement. You may be able to continue to use the platform after such an assignment, if you consent to it.",
        "legal-compliance": "11.0 Legal Compliance",
        "comply-laws": "You shall comply with all applicable Nigerian laws, and regulations, regarding your use of our Services.",
        "severance-clause": "If any specific term or condition violates the law, that term alone shall stand severed or amended as far as is necessary to comply with the law.",
        "notices-amendment": "12.0 Notices And Amendment",
        "notices": "Notices",
        "notices-agreement": "You agree that these Terms and Conditions constitute an Agreement duly signed or executed by you under any applicable law or regulation. To the fullest extent permitted by applicable law, this Agreement and any other agreements, notices or other documents regarding your account and/or your use of the Service, may be provided to you electronically and you agree to receive all Notices from RPSL in electronic form.",
        "print-notice": "You may print a copy of any Notice and retain it for your records. All Notices in either electronic or paper format will be considered to be in writing and to have been received and shall become effective thirty (30) days after being posted or placed on our website.",
        "notice-procedure": "Notice Procedure",
        "notices-from-you": "Notices from you to RPSL shall be by email from you to support@remita.net.",
        "notices-by-us": "Notices by us to you may be placed on our website, remita.net or sent to your email address registered with us.",
        "notice by email": "A notice by email shall be deemed received by the other party, once the email is sent, unless the sending party is aware that the email was not received.",
        "notice posted": "Notice posted to our website shall be deemed received upon your visit to our site or your first log-in subsequent to the posting.",
        "amendment": "Amendment",
        "amend-agreement": "We may amend this Agreement at any time by notice to you or posting the amended terms on remita.net. All amended terms shall be effective thirty (30) days (or any other date as we may determine) after publishing it on www.remita.net.",
        "dispute-resolution": "13.0 Dispute Resolution",
        "negotiated-settlement": "Negotiated Settlement or Mediation",
        "dispute-arising": "In the event of a dispute arising between you and RPSL, our goal is to provide you with a neutral and cost effective means of resolving the dispute quickly. In the event of any dispute, the Parties shall seek to resolve any such dispute amicably between themselves or through a negotiated settlement and in the event of their inability to resolve the dispute as aforesaid, the parties shall explore a mediated settlement with both Parties appointing one(1) Mediator who shall act as a catalyst for resolution.",
        "arbitration": "Arbitration",
        "unable-resolve": "If at any time the Parties are unable to amicably resolve any dispute(s) through negotiated settlement or mediation, either party shall refer the matter to be finally settled by arbitration in accordance with the Arbitration & Conciliation Act, Cap A18, Laws of the Federation of Nigeria (LFN) 2004. The arbitration shall take place in Lagos, Nigeria and be conducted in English Language. If the parties fail to agree on the Arbitrator, the Arbitrator shall be appointed by the President of the Chartered Institute of Arbitrators UK (Nigeria Branch). Each Party will bear its costs save for joint costs which will be borne jointly.",
        "extended-non-use": "14.0 Extended Non-use",
        "non-use": "Your non-use of our platform for an extended period does not terminate this contract. Any monies due and payable by you to us before, during or after the period of your passivity shall remain payable and become due immediately upon your reactivation. Termination or non-use shall not relieve the continuing obligations under this Agreement, including but not limited to the requirements in Clauses (3.5) Indemnification, (6.3) Access and Interference, and (9) Trademarks and other intellectual Proprietary Rights of this Agreement.",
        "general": "15.0 General.",
        "capacity": "You represent that you have the capacity to enter into this Agreement.",
        "eligible": "That you are an adult, eligible to operate banking services and that you are not under any contractual inhibition known to your national or international law.",
        "invalid-provision": "If any provision of this Agreement is held to be invalid or unenforceable, such provision shall be struck out and the remaining provisions shall be enforceable.",
        "automatic-assignment": "You agree that this Agreement and all incorporated agreements may be automatically assigned by Remita to a third party in the event of a merger or acquisition.",
        "headings-reference": "Headings are for reference purposes only and in no way define, limit, construe or describe the scope or extent of such section(s).",
        "failure-act": "Our failure to act with respect to a breach by you or others does not amount to a waiver of our right to act with respect to subsequent or similar breaches.",
        "non-specification": "The non-specification of a particular legal or equitable remedy shall not be construed as a waiver, prohibition or limitation of any legal or equitable remedies in the event of a breach of any of the clauses.",
        "independent-contractor": "Each of the Parties acknowledge that it is acting as an independent contractor, and each Party has the sole right and obligation to supervise, manage, direct, procure, perform, or cause to be performed, all work or other obligations to be performed by such Party under this agreement.",
        "entire-agreement": "16.0 Entire Agreement",
        "constitute-entire": "This agreement and any documents referred to herein constitute the entire agreement between the parties and supersede any and all prior agreements between the parties, whether oral or written, with respect to the subject matter thereof.",
        "applicable-law": "17.0 Applicable Law",
        "governing-law": "This Agreement shall be governed by and interpreted according to the laws of the Federal Republic of Nigeria and shall be subject to the exclusive jurisdiction of Nigerian courts.",
        "improvements-changes": "18.0 Improvement and Changes",
        "remita-functions": "These Remita functions are subject to continuous technological improvement and consequently may change. All changes to Remita functions and services shall be published by RPSL from time to time on the website www.remita.net All such published changes shall form part of this Agreement.",
        "force-majeure": "19.0 Force Majeure",
        "breach-obligations": "RPSL shall not be in breach of its obligations under this Agreement or be responsible for any delay in carrying out its obligations if performance is prevented or delayed wholly or in part as a consequence of force majeure. Force majeure means any circumstance beyond the reasonable control of RPSL including but not limited to acts of war, state or national emergency, strike, rebellion, insurrection, government sanctions, actions of regulatory or supervisory authorities, accident, power failure, internet and communication link failure, fire, earthquake, flood, storm, tornadoes, hurricane, epidemic or pandemic, collapse of buildings, fire, explosion, events of force majeure declared by RPSL' partners or service providers involved in the performance of RPSL' obligations in this Agreement or any other act of God or any technical failure caused by devices, matters or materials."
      },
      "privacy": {
        "privacy": "Privacy Rights",
        "consent": "Consent",
        "your": "Your Personal Information",
        "what": "What we do with your personal information",
        "cookies": "Cookies",
        "protecting": "Protecting personal information",
        "sharing": "Sharing information with Relevant Parties",
        "security": "Security",
        "data": "Data Confidentiality Rights",
        "links": "Links to Other Websites",
        "limitation": "Limitation of Liability",
        "queries": "Queries and Questions",
        "privacy-policy": "Privacy Policy",
        "please": "Please read our Privacy Policy before you may become a business or personal user of the Remita platform and Remita Mobile. The onus is on you to access our",
        "terms": " Terms & Agreement, ",
        "as-well": "as well as any amendments made thereto and to contact Remita Payment Services Limited ('RPSL, We, Us, Our') in the event of any queries you may have. By using any part of the Remita service, you acknowledge and agree to the processing of your personal data under the terms and conditions set out in this privacy policy.",
        "your-privacy": "1.0 Your Privacy Rights",
        "this-privacy": "This Privacy Policy describes your privacy rights regarding our collection, use, storage, sharing and protection of your personal information. It applies to the Remita platform (which comprises of the Remita website and/or mobile applications), its applications, services, tools and content regardless of how you access or use them.",
        "consent-heading": "2.0 Consent",
        "you-accept": "You accept this Privacy Policy when you sign up for, access, or use our products, services, content, features, technologies or functions offered on our Remita platform, all related sites, mobile applications, and services (collectively known as “Remita” or the “Platform”). This Policy governs the use of Remita by registered and non-registered users, unless otherwise agreed through a written contract. We may amend this Privacy Policy at any time (and without recourse to you) by posting a revised version on our Platform and/or through email notification. The revised version will be effective seven (7) days after posting or any other date as may be communicated by us.",
        "your-personal": "3.0 Your Personal Information",
        "use-remita": "When you use Remita services either as a registered or non-registered user, we collect information sent to us by your computer, mobile phone, Point of Sale (“POS”) terminal or other electronic access devices. The information shall be collected automatically and shall include but not limited to data about the pages on the Platform which you access, your computer IP address, device ID or unique identifier, device type, geo-location information, computer and connection information, mobile network information, statistics on page views, traffic to and from the sites, referral Uniform Resource Locator (URL), ad data, and standard web log data.",
        "we-may": "We may also collect information you directly provide to us including but not limited to information on web forms, account update information and correspondence with Remita support services. We also collect information about your transactions and your activities. In addition, we collect your contact information such as; name, address, phone number, email, etc. We also collect your Bank Verification Number (BVN), National Identification Number (NIN), bank account name and numbers and these may be linked to your Remita profile, where applicable. Information obtained through survey responses, telephone conversations, user enquiries and other means may also be collected and used by us.",
        "use-information": " We may also use information provided by third parties like social media sites and verification agencies. Information about you which are provided by you or any person to other websites or platforms are not controlled by Remita, and we are therefore not liable for how they use it.",
        "if-the": " If the information you have supplied to us is wrong or has become outdated by the passage of time and change in circumstances,, you can put in a request to update it quickly or to delete it – unless we have to keep that information for legitimate business or legal purposes, and when responding to a request to update your personal information, we may ask you to verify your identity before we can act on the request. We may reject requests that are unreasonably repetitive, require disproportionate technical effort (for example, developing a new system or fundamentally changing an existing practice), risk the privacy of others, or would be extremely impractical (for instance, requests concerning information residing on backup systems). Where we can provide information access and correction, we will do so for free, except where it would require a disproportionate effort. We aim to maintain our services in a manner that protects information from accidental or malicious destruction. Because of this, after you delete information from our services, we may not immediately delete residual copies from our active servers and may not remove information from our backup systems.",
        "personal-information": "You can also let us know if you feel that your personal information is being processed in any way other than how you have consented to it being used. We will take reasonable steps to ensure that your personal information is processed in the manner in which you have consented to it, or we may delete it based on your instruction. However, we may not accede to your request if it is unrealistic, impractical or inimical to our compliance with applicable regulation or laws.",
        "what-we": "4.0 What we do with your personal information",
        "our-purpose": "Our purpose for collecting your personal information is to give you an efficient, enjoyable and secure customer experience. We may use your information to:",
        "provide-remita": " Provide Remita Services and support;",
        "process-transactions": " Process transactions, and send notices about your transactions to requisite parties;",
        "verify": "Verify your identity;",
        "resolve-disputes": "Resolve disputes, collect fees, and troubleshoot problems",
        "manage-risk": "Manage risk, or detect, prevent, and/or remediate fraud or other potentially prohibited or illegal activities",
        "detect-violations": "Detect, prevent or remediate violations of policies or applicable user agreements",
        "improve-services": "Improve Remita Services by implementing aggregate user preferences",
        "measure-performance": "Measure performance of Remita Services and improve content, technology and layout",
        "manage-infrastructure": "Manage and protect our information technology infrastructure",
        "contact-you": "Contact you at any time through your provided telephone number, email address or other contact details",
        "account-notification": "Notify you about your account, troubleshoot problems with your account, resolve a dispute, collect fees or monies owed, poll your opinions through surveys or questionnaires, enforce our policy, or as otherwise necessary to service your account, we may contact you through information provided. RPSL will not request for your Personal Identification Number (PIN), Account Identification Number (AIN), Dynamic Personal Identification Number (Dynamic PIN) or Bank Verification Number (BVN) from you either through email, telephone call, SMS or written documents. You are solely responsible for safeguarding any Personal Identification Number (PIN), Account Identification Number (AIN) or Dynamic Authentication Number (Dynamic PIN) you generate in the course of using Remita.",
        "promotional-messages": "Notify you of new products, services and/or offerings, newsletters and similar messages ('promotional messages'); or any enhancements/amendments to existing products services and/or offerings that we think may be of interest to you. If you do not want to receive such promotional materials from us, you may opt out at any time by sending an email to dpo@remita.net.",
        "develop-ai": "Develop and improve our artificial intelligence (AI) tools and services. This may involve analyzing, processing, and incorporating your data into models, algorithms, and technologies to enhance functionality, accuracy, and your user experience",
        "create-accounts": "To create stores of value and/or bank accounts for you and in your name with CBN licensed financial institution(s) to enable you transact seamlessly on the platform",
        "other-activities": "Carry out other activities permitted by law including; the fulfillment of our contract with you, compliance with legal and/or regulatory requirements, to protect your vital interest or that of any other natural person, and so on",
        "further-processing": "If we intend to process your personal information for any purpose other than those listed in this policy, we shall provide you with relevant information on the further processing and seek your consent before the processing commences.",
        "cookies-heading": "5.0 Cookies",
        "cookies-description": "Cookies are small files placed on your computer's hard drive that enables the platform or website to identify your computer as you view different pages. Cookies allow websites and applications to store your preferences in order to present content, options or functions that are specific to you. Like most interactive websites, and online platforms, Remita uses cookies to enable the tracking of your activity for the duration of a session. Remita uses only encrypted session cookies which are erased either after a predefined timeout period or once the user logs out of Remita and closes the browser. Session cookies do not collect information from the user's computer. They will typically store information in the form of a session identification that does not personally identify the user.",
        "cookies-access": "We do not have access or control over the cookies of our partners, affiliates, and service providers. We are therefore not responsible for their use of their cookies.",
        "protect-personal": "6.0 How we protect your personal information",
        "data-storage": "We store and process your personal information on our computers in Nigeria, Africa and elsewhere in the world where our facilities are located. Data protection laws vary among countries, with some providing more protection than others. Regardless of where your information is processed, we apply the same protections described in this policy. You have a right (upon your request) to be informed of the appropriate safeguards for data protection in the foreign country.",
        "security-measures": "We protect your information using physical, technical, and administrative security measures to reduce the risks of loss, misuse, unauthorized access, disclosure and alteration. Some of the safeguards we use are firewalls and data encryption, physical access controls to our data centers, and information access authorization controls.",
        "breach-notification": "Furthermore, in the event of an actual or suspected breach of your personal information, we will:",
        "breach-remedy": "Use best effort to remedy the breach within one (1) month of discovery or notification of such or such reasonable time as may become necessary in each given circumstance.",
        "access-data": "7.0 Access to Your Data",
        "registered-user": "If you are a registered user on Remita, you may access your personal information using your secure login credentials to access the relevant system features for such purpose. If you are a non-registered user, you may request for your personal information by sending an email to support@remita.net",
        "data-usage": "This information should only be used for your own purposes and not to circumvent the platform, or to be distributed to other parties who may use such information to the disadvantage of RPSL.",
        "transaction-reports": "You will be able to access reports of your previous transactions up to seven years after the transaction date, subject to a continuous period of use. The applicability of the seven year period will re-commence if there has been a break in use for a period of more than three months. RPSL will advise you on any applicable fees to request access to data in such events.",
        "data-rights": "You have the right to request that we stop using your data or return your data to you, or transmit the data directly to another data controller. The withdrawal of your consent at any time shall not affect the lawfulness of the processing based on your consent before its withdrawal. In the event you intend to exercise your right in this regard, kindly notify us through support@remita.net and your request shall be treated promptly.",
        "your-right-as-a-data-subject": "7.0 Your Right as a Data Subject",
        "data-subject-info": "Your rights as a data subject under data protection laws in Nigeria include: ",
        "right-to-confirm": "Right to confirm whether the data controller or a data processor operating on its behalf, is storing or otherwise processing personal data relating to you;  such purpose. If you are a non-registered user, you may request for your personal information by sending an email to support@remita.net",
        "right-to-copy": "Right to request a copy of your personal data in a commonly used electronic format, except to the extent that providing such data would impose unreasonable costs on the data controller, in which case you may be required by the controller to bear some or all of the costs",
        "right-to-correction": "Right to have correction or, if correction is not feasible or suitable, deletion of your personal data that is inaccurate, out of date, incomplete, or misleading",
        "right-to-erasure": "Right to have your personal data erased without undue delay",
        "right-to-withdraw": "Right to withdraw, at any time, consent to the processing of personal data under the Nigeria Data Protection Act 2023",
        "right-to-object-processing": "Right to object to the processing of your personal data",
        "right-to-object-decisions": "Right to object to any decisions based on the automated processing of your personal data, including profiling",
        "right-to-portability": "Right to data portability",
        "right-to-complain": "Right to lodge a complaint with the Nigeria Data Protection Commission (NDPC)",
        "right-summary": "To exercise any of the above stated rights, kindly put your request in writing and send it to us through your usual registered channel (e.g. by registered email) and specify the right you wish to exercise. For more information or to exercise your data protection rights please, please contact our Data Protection Officer at dpo@remita.net. We will endeavour to process all subject access requests within thirty (30) days and if any further extension is required, we will communicate same through existing consented channels – at no cost. However, please note that you may continue to receive existing communications for a transitional period whilst we update your preferences.",
        "data-retention": "8.0 Data Retention",
        "data-retention-description": "We shall not retain your personal data longer than is necessary for the purpose for which such personal data is processed. In determining the length of retention of your personal data, consideration is had to the nature and sensitivity of your data, the purpose for which we are processing such data and any applicable regulations.",
        "data-retention-description-2": "All your personal data (which are collected through electronic storage on database may be retained for a period not less than 10 years from the end date of our business relationship with you and afterwards completely deleted and erased.",
        "share-information": "8.0 How We Share your information with other Relevant Parties",
        "mobile-share-information": "9.0 How We Share your information with other Relevant Parties",
        "transaction-information": "During your transaction, we may provide the corresponding party with information such as your name, account identification details, contact details, shipping and billing address, or other information needed to promote the integrity and security of the transaction. We may also provide details of unsuccessful transactions.",
        "third-party": "We work with third parties, including but not limited to merchants, to enable them to accept or send payments from or to you, using Remita and Remita Mobile Application. In doing so, a third party may share information about you with us, such as your email address or mobile phone number, to inform you that a payment has been sent to you or when you attempt to pay a merchant or third party. We use this information to confirm that you are a Remita customer and that Remita as a payment and collection platform can be enabled. We also validate your status as a Remita customer to third parties on your instruction.",
        "business-functions": "We enter into contracts with third parties to perform certain business-related functions necessary to ensure the optimal provision of the service to you, including but not limited to payment processing, data storage, security, identity verification, fraud prevention, etc. We disclose relevant portions of your information to these third parties where reasonably necessary. With respect to the confidentiality of your personal information, these third parties are bound by extant laws and regulations on data protection, including the provisions of NDPA 2023 (including amendments or supplemental provisions).",
        "user-instruction": "Except in instances relating to clause 8.3 above, upon receiving your clear and unequivocal instruction, we may also share your personal information with third parties in a manner deemed reasonable and convenient for us, either physically or through any digital channel available at any point in time.",
        "promotional-use": "You accept that your pictures and testimonials on all social media platforms about Remita can be used for limited promotional purposes by RPSL or its agents. This does not include your trademark or copyright protected materials.",
        "promotional-use-mobile": "You accept that your pictures and testimonials on all social media platforms about Remita or the Platform or any services undertaken therein or related purposes can be used for promotional purposes by RPSL or its agents. This does not include your trademark or copyright protected materials.",
        "integrity-disclosure": "We may also divulge data about you if, in our opinion, the disclosure is reasonable and legally permissible for the purpose of ensuring the integrity of our business operations. Additionally, in the event of a merger or corporate restructuring, we may also divulge your personal information to applicable parties.",
        "data-request": "Where your employee, as part of the process of application for a service from RPSL or a third party, requires his/her data to be provided in support of such an application to RPSL or a third party, RPSL is obligated to avail such request, upon the employee giving the requisite authorization as the Data Owner/Data Subject, in the form prescribed by RPSL or the third party.",
        "product-updates": "From time to time we may send you relevant information such as product updates, new functionalities, tips on how to use Remita and new service offerings.",
        "regulatory-compliance": "We may also share your personal information in compliance with local or international regulatory requirements, with fraud prevention and risk management agencies, with our service providers or in compliance with a court order.",
        "affiliate-sharing": "We may also share your personal information with our affiliate entities, particularly members of the SystemSpecs Group (i.e., SystemSpecs Holdings Limited and other entities in which SystemSpecs Holdings Limited holds considerable influence and control), to enable us to provide you with information and services which we believe may be beneficial or may be of interest to you and/or members within your organisation. The affiliate entities may use the personal information for marketing and non-marketing activities. You may opt out at any time by sending an email to dpo@remita.net",
        "minors-privacy": "We recognise the privacy of minors, and we do not knowingly collect personal information belonging to minors.",
        "security-heading": "9.0 Security",
        "mobile-security-heading": "10.0 Security",
        "security-description": "We will always hold your information securely. To prevent unauthorized access to your information, we have implemented controls and security safeguards at technical and operational levels. This site uses Secure Sockets Layer/Transport Layer Security (SSL/TLS) to ensure secure transmission of your personal data. You should see the padlock symbol in your URL address bar when accessing the site, www.remita.net. The URL address will also start with 'https://' depicting a secure webpage. SSL applies encryption between two points such as your personal computer (PC) or any other electronic device used by you to access Remita, and the connecting server. Any data transmitted during the session will be encrypted before transmission and decrypted at the receiving end. This is to ensure that data cannot be read during transmission.",
        "security-description-mobile": "We will always hold your information securely. To prevent unauthorized access to your information, we have implemented controls and security safeguards at technical and operational levels. We use Secure Sockets Layer/Transport Layer Security (SSL/TLS) to ensure secure transmission of your personal data. SSL applies encryption between two points such as your personal computer (PC) or any other electronic device used by you to access Remita, and the connecting server. Any data transmitted during the session will be encrypted before transmission and decrypted at the receiving end. This is to ensure that data cannot be read during transmission. ",
        "security-description-mobile-2": "While RPSL is responsible for safeguarding the information entrusted to us, your role in fulfilling confidentiality duties includes but is not limited to adopting and enforcing appropriate security measures such as non-sharing of passwords and other platform login or transaction authentication details. You are ultimately responsible for the security of your platform login and transaction authentication details.",
        "data-confidentiality": "10.0 Data Confidentiality Rights",
        "mobile-data-confidentiality": "11.0 Data Confidentiality Rights",
        "confidentiality-description": "Your information is regarded as confidential and will not be divulged to any third party except under legal and/or regulatory conditions. You have the right to request for copies of all information we keep on you, provided that you give us reasonable notice of such a request in writing. While RPSL is responsible for safeguarding the information entrusted to us, your role in fulfilling confidentiality duties includes but is not limited to adopting and enforcing appropriate security measures such as non-sharing of passwords and other platform login or transaction authentication details. You are ultimately responsible for the security of your platform login and transaction authentication details.",
        "links-to": "11.0 Links to Other Websites",
        "party-websites": "Certain transaction processing channels on Remita may require links to other websites. Please note that RPSL is not responsible for, and has no control over third party websites. We do not monitor or review the content of other parties’ websites which are linked from the Remita Mobile Application or our website. Opinions expressed or materials appearing on such websites are not necessarily shared or endorsed by us, and RPSL should not be regarded as the publisher of such opinions or materials, and you agree that we shall not be liable for any liability arising from your interpretation of any information on any third party website linked to Remita. Please be aware that we are not responsible for the privacy practices, or content of any third party sites and we encourage our users to read the privacy statements of these third party sites. You should evaluate the security and trustworthiness of any other site connected to this site or accessed through this site yourself, before disclosing any personal information to it. RPSL will not accept any responsibility for any loss or damage in whatever manner, howsoever caused, resulting from your disclosure to third parties of your personal information.",
        "policy-modification": "We reserve the right to modify our Policy at any time and without any prior notice to you. Ensure you check this Policy regularly to stay updated with any amendment and understand how we use your information.",
        "mobile-links-to": "11.0 Links to Other Websites",
        "limitation-liability": "12.0 Limitation of Liability",
        "mobile-limitation-liability": "12.0 Limitation of Liability",
        "income-loss": "RPSL will not be liable for loss of income, profits, business, opportunity, goodwill, contracts or any indirect, special, incidental or consequential damages arising out of or in connection with the Service, any computation or failed transaction on Remita, arising out of any breach of this Policy.",
        "unauthorized-access": "We will not be liable for any loss or damage arising as a result of unauthorized access to the Service if (a) you intentionally or negligently fail to take reasonable precautions to protect your security, access codes, login details or any device used to access the Service, (b) you failed to promptly notify us that the Service was being accessed in an unauthorised way after becoming aware of it, or (c) you acted fraudulently.",
        "liability-limit": "Our liability to you or any third party in any circumstance of proven liability by us, shall not exceed the fees paid to us in respect of the specific transaction that gave rise to the claim or liability, unless otherwise specified by a court of competent jurisdiction.",
        "breach": "Notwithstanding any provision in clauses 12.1, 12.2 and 12.3, limitation of liability shall not apply if we breach any provision of the Nigeria Data Protection Regulation 2019 ('NDPR').",
        "queries-questions": "13.0 Queries and Questions",
        "mobile-queries-questions": "13.0 QUERIES AND QUESTIONS",
        "stop-data": "You have the right to request that we stop using your data or return your data to you. In the event you intend to exercise your right in this regard, kindly notify us via support@remita.net and your request shall be treated promptly.",
        "contact-mobile": "Any other complaints, questions, comments and requests regarding this privacy policy are welcomed and should be addressed to our Data Protection Officer through dpo@remita.net, and where your complaints are not sufficiently addressed, you may lodge a complaint with the Nigeria Data Protection Commission. ",
        "contact": "Any other complaints, questions, comments and requests regarding this privacy policy are welcomed and should be addressed to our Data Protection Officer through support@remita.net, and where your complaints are not sufficiently addressed, you may lodge a complaint with a relevant data protection authority."
      },
      "indemnity": {
        "title": "INDEMNITY",
        "intro": "is given by the undersigned customer to ",
        "zenith-bank": "ZENITH BANK PLC",
        "company-details": ", a company incorporated under the Laws of the Federal Republic of Nigeria with its registered office at Plot 87, Ajose Adeogun Street, Victoria Island, Lagos State (hereinafter called ",
        "zenith": "\"ZENITH\"",
        "whereas": "WHEREAS:",
        "clause-number-1": "1.",
        "clause-number-2": "2.",
        "clause-number-3": "3.",
        "clause-1": "I have requested for a third party product,",
        "remita": "\"REMITA\" ",
        "clause-1-content": "which is an electronic collection and payment solution offered by ZENITH to its customers that intend to process transactions on the Remita Platform from and/or make payments to beneficiaries via their account with ZENITH.",
        "clause-2": "In order for me to successfully process transactions on the Remita Platform, ZENITH is required under the REMITA product to authenticate my account with the unique PIN generated by me from the system that will grant me access to carry out transactions.",
        "clause-3": "Considering the sensitive nature of the unique PIN which is the key to initiation and consummation of electronic transactions and the inherent risk in the event of mishandling of the unique PIN and including the exposure of transaction account balances, ZENITH has requested for an Indemnity against any liability, loss or damage that may be suffered by ZENITH arising from the mishandling of the unique PIN which may result in loss including but not limited to any negligence on my part in granting unauthorized access to my account information.",
        "now-therefore": "NOW THEREFORE, ",
        "covenant-1": "I hereby irrevocably and unconditionally undertake and covenant that I shall at all times hereafter well and truly indemnify ZENITH and keep ZENITH fully indemnified against all losses, claims, demands, liabilities, actions, proceedings, damages, fees, costs, expenses and any other liabilities which may be incurred or suffered by ZENITH in consequence of my negligence and/or mishandling of the Dynamic PIN, passwords, codes or other access to account information by unauthorized persons arising from service rendered by Zenith to me on the Remita Platform.",
        "covenant-2": "In the event of any loss arising due to misuse of the service or unauthorized access to the Dynamic PIN by a third party, ZENITH is authorized to set off any liability accruing to ZENITH arising out of or relating to granting the REMITA service, against my account and assets with ZENITH, pursuant to my undertaking to indemnify and hold ZENITH harmless.",
        "covenant-3": "This Indemnity is a continuing Indemnity and shall continue in full force and effect so long as I shall continue to use the service.",
        "this-indemnity": "THIS INDEMNITY ",
        "is-given-this": " is given this ",
        "day-of": " day of ",
        "by": " by ",
        "citizen-intro": " a citizen of the Federal Republic of Nigeria to ",
        "registered-office": " Plot 87, Ajose Adeogun Street, Victoria Island, Lagos State",
        "whereas-1-intro": "I have requested for a third party product, ",
        "whereas-1-content": " which is an electronic collection and payment solution offered by ZENITH to its customers that intend to process transactions on the Remita Platform from and/or make payments to beneficiaries via their account with ZENITH.",
        "whereas-2": "In order for me to successfully process transactions on the Remita Platform, ZENITH is required under the REMITA product to authenticate my account with the unique PIN generated by me from the system that will grant me access to carry out transactions.",
        "whereas-3": "Considering the sensitive nature of the unique PIN which is the key to initiation and consummation of electronic transactions and the inherent risk in the event of mishandling of the unique PIN and including the exposure of transaction account balances, ZENITH has requested for an Indemnity against any liability, loss or damage that may be suffered by ZENITH arising from the mishandling of the unique PIN which may result in loss including but not limited to any negligence on my part in granting unauthorized access to my account information.",
        "undertake": " I hereby irrevocably and unconditionally undertake and covenant that I shall at all times hereafter well and truly indemnify ZENITH and keep ZENITH fully indemnified against all losses, claims, demands, liabilities, actions, proceedings, damages, fees, costs, expenses and any other liabilities which may be incurred or suffered by ZENITH in consequence of my negligence and/or mishandling of the Dynamic PIN, passwords, codes or other access to account information by unauthorized persons arising from service rendered by Zenith to me on the Remita Platform.",
        "event-loss": "In the event of any loss arising due to misuse of the service or unauthorized access to the Dynamic PIN by a third party, ZENITH is authorized to set off any liability accruing to ZENITH arising out of or relating to granting the REMITA service, against my account and assets with ZENITH, pursuant to my undertaking to indemnify and hold ZENITH harmless.",
        "continuing": "This Indemnity is a continuing Indemnity and shall continue in full force and effect so long as I shall continue to use the REMITA product and shall apply to all transactions performed on the Platform. This Indemnity shall be governed by Nigerian law and any dispute thereunder resolved exclusively by the Courts in Nigeria.",
        "terms": "Terms & Agreement",
        "privacy": "Privacy Policy"
      },
      "cookie-policy": {
        "cookie": "Cookie Policy Statement",
        "when-you": "When you browse our website, we use cookies to ensure a seamless user experience across all the functions you access. The contents of this page are meant to explain to you in clear terms what cookies mean and how we use them on our site.",
        "cookies": "Cookies are necessary for our website to perform its functions normally. We use them in different contexts, as some are meant to manage your session and ensure that you transition smoothly between pages when logged in with your browser kept active while others are more persistent and linger on your device for a longer period.",
        "we-give": "We give you the option to opt-out of cookies in order to let you control your privacy. However, we do recommend that for a good user experience on our website, you allow Remita to store cookies.",
        "what-are": "What are Cookies",
        "as-in": "As is common practice with almost all professional websites, Remita uses cookies, which are tiny files that are downloaded to your computer to improve your experience. Cookies allow a website to recognize a particular device or browser. There are several types of cookies:",
        "session": "Session cookies expire at the end of your browser session and allow us to link your actions during that particular browser session.",
        "persistent": "Persistent cookies are stored on your device in between browser sessions, allowing us to remember your preferences or actions across multiple sites.",
        "first": "First-party cookies are set by the site you are visiting.",
        "third": "Third-party cookies are set by a third party site separate from the site you are visiting.",
        "this": "This page describes what information cookies gather, how we use it and why we sometimes need to store these cookies. We will also share how you can prevent these cookies from being stored. Note however that disabling cookies and preventing their storage may downgrade or 'break' certain elements of Remita’s functionality, possibly compromising the seamless user experience we seek to offer you through the use of these cookies.",
        "how": "How We Use Cookies",
        "we-use": "We use cookies for a variety of reasons (which are detailed below). Unfortunately in most cases, there are no industry standard options for disabling cookies without completely disabling the functionality and features they add to our site. It is recommended that you leave on all cookies if you are not sure whether you need them or not, just in case they are being used to provide a service that you need.",
        "turn": "Turn Off or Opt-Out of Cookies",
        "you-can": "You can manually disable cookies on your computer and devices, or delete existing cookies. Disabling cookies (See ",
        "how-to": "How to Disable Cookies in Your Browser",
        "may-restrict": ") may restrict your browsing experience on Remita related to important features such as logging in to your profile, navigating webpages etc. Remita does not share cookie information with any other website nor do we sell this data to any third party without your consent.",
        "what-we": "What we use cookies for",
        "we-use-cookies": "We use cookies to optimize your user experience when you browse our website. If you register a profile with us, we will use cookies for the management of the signup process, general administration and to manage your browser session while you are logged in. These cookies will usually be deleted when you log out. They may however in some cases remain afterwards to remember your site preferences when you are logged out.",
        "cookies-are": "Cookies are used in the following ways on Remita:",
        "type": "Type",
        "description": "Description",
        "preferences": "Preferences",
        "these-cookies": "These cookies will help you in changing our webpage’s text size, font, and other parts of Remita that you can personalize. Cookies like these let Remita recall information that modulates how our site behaves or looks, such as your preferred language or the region you are in. For example, by remembering your country, we may be able to provide you with language translation and a custom web interface.",
        "processes": "Processes",
        "process-cookies": "Process cookies ensure that Remita works as you expect it to, like navigating around web pages or accessing the more secure areas of our website. Remita will not be able to function properly without this type of cookie.",
        "session-state": "Session State",
        "the-session": "The session-state cookie enables us gather information about how you use our website so that we can continue to improve and fine-tune your browsing experience on Remita. This could comprise the pages you visit most often or whether error messages are returned when you use specific webpages.",
        "security": "Security",
        "to-safeguard": "To safeguard you when you visit Remita, we use security cookies to authenticate users, prevent fraudulent use of login credentials, and protect user data from unauthorized parties.",
        "more": "More Information",
        "hopefully": "Hopefully this has clarified things for you and as was previously mentioned, if there is something that you aren't sure whether you need or not, it is usually safer to leave cookies enabled in case it does interact with one of the features you use on our site.",
        "please": "Please feel free to ",
        "contact": "contact us ",
        "if-you": "if you have any questions.",
        "how-to-disable": "How to Disable Cookies on Your Browser",
        "can-disable": "You can disable your browser cookies if you follow the steps below for Internet Explorer, Microsoft Edge, Google Chrome, Mozilla Firefox and Opera browsers.",
        "disable": "Disable Cookies in Internet Explorer",
        "open": "Open Internet Explorer and click the Tools button.",
        "next": "Next click Internet Options and select the Privacy tab.",
        "under": "Under Settings, move the slider to the top to block all cookies or to the bottom to allow all cookies, and then click Apply",
        "as-you": "As you move the slider up or down, you will see a description of the types of cookies that will be blocked or allowed by Internet Explorer at that privacy level.",
        "starting": "Starting from the top you will see the following options:",
        "block": "Block all Cookies from all websites. Block all Cookies from websites that do not have a compact privacy policy",
        "all-cookies": "Block all cookies from websites that do not have a compact privacy policy. Block cookies that save information that can be used to contact you without your explicit consent",
        "third-party": "Block third-party cookies that do not have a compact privacy policy. Block third-party cookies that save information that can be used to contact you without your explicit consent. Blocks firstly-partly cookies that save information that can be used to contact you without your implicit consent",
        "block-third": "Block third-party cookies that do not have a compact privacy policy. Block third-party cookies that save information that can be used to contact you without your explicit consent. Restricts firstly-partly cookies that save information that can be used to contact you without your implicit consent. This is the default setting.",
        "block-third-party": "Block third-party cookies that do not have a compact privacy policy. Restricts third-party cookies that save information that can be used to contact you without your implicit consent",
        "saves": "Saves cookies from any website. Cookies that are already on this computer can be read by the websites that created them",
        "select": "Select the level of security you want. For most, the Default option is the best.",
        "disable-cookies": "Disable Cookies in Microsoft Edge",
        "open-edge": "Open Edge browser",
        "click": "Click on the 3-dotted 'More' link to open its Settings",
        "scroll": "Scroll down and click on View Advanced Settings",
        "cookie-instruction": "Again scroll down till you see the setting for Cookies. When here, from the 3 options, select one.",
        "when-here": "When here, from the 3 options, select one",
        "available": "The available options are:",
        "block-all-cookies": "Block all Cookies",
        "block-third-party-cookies": "Block only third party cookies",
        "dont-block-cookies": "Don't block cookies",
        "edge-disable-instruction": "To disable all Cookies, ensure that Block all cookies is selected, and restart Microsoft Edge.",
        "cookie-in-chrome": "Disable Cookies in Chrome",
        "disable-chrome": "To disable Cookies on Chrome, click the Tools button > Settings.",
        "click-on-it": "Click on it. Under Privacy",
        "click-on-the": "Click on the Content Settings button. Here you can select the options you feel are best suited for you",
        "you-can-click": "You can click on the images to see the larger versions",
        "firefox": "Disable Cookies in Firefox",
        "in-firefox": "In Firefox, open Settings > Options > Privacy tab",
        "firefox-history": "Under History, from the drop-down menu, select Use custom settings for history.",
        "firefox-cookies": "You can now select the Cookies options you want.",
        "opera": "Disable Cookies in Opera",
        "opera-settings": "Open settings > Privacy & Security.",
        "opera-cookies": "Under Cookies you will see the options to manage your Cookie settings and choose which kind of Cookies you wish to allow or disallow on your Windows computer."
      },
      "stockbroker-terms": {
        "title": "Stockbroker Terms",
        "privacy-notice-h": "Privacy Notice",
        "introduction-h": "Introduction",
        "intro-1": "Personal Information is as important to us as it is to our customers. At FSDH Capital Limited (“FSDH Capital” or “the Company”), we are committed to protecting your information. By ‘your information’, we mean any information provided to us by you or a third party. FSDH Capital will only process your information where we have obtained your explicit consent or are otherwise lawfully permitted to do so.",
        "intro-2": "This Privacy Policy explains what information FSDH Capital (as Data Controller/Processor) collects, how we collect it, share, use, and protect your personal information in connection with the business relationship.",
        "security-h": "Security of Personal Information",
        "security-1": "Safeguarding your personal information is our main concern. We maintain physical, electronic and procedural safeguards that comply with applicable federal laws to secure your information from unauthorized access and use, accidental or unlawful alteration and destruction, and other unlawful or unauthorized forms of processing. We engage in the continuous training of our employees in the proper management of personal information. When we use other companies to provide services, we require them to protect the confidentiality of personal information they receive.",
        "security-2": "At FSDH Capital, we take data privacy very seriously and we provide our customers with all necessary data security to protect such personal information from unauthorized access. We require any third parties who carry out any work on our behalf to comply with appropriate compliance standards to protect your information. We are pleased to announce that we comply with the requirements of the Nigeria Data Protection Act (NDPA). As a customer, be assured that we will keep protecting your information as we have always done.",
        "collect-h": "The Information We Collect",
        "collect-1": "FSDH Capital will only collect your information in line with relevant regulations and laws.",
        "how-collect-h": "How do we collect information?",
        "how-collect-1": "We may collect information from a range of sources, and it may relate to any of the products or services we currently provide or may have provided in the past.",
        "when-collect-h": "We collect your personal information when:",
        "when-1": "You open an account or perform transactions such as make deposits or withdrawals from your account, payment history and transactions records.",
        "when-2": "You seek advice about your investments.",
        "when-3": "You seek information concerning complaints and disputes.",
        "when-4": "You provide account information such as your personal details e.g. name, gender, date and place of birth; contact information such as address, email address, and mobile numbers, provide your employment information.",
        "when-5": "You provide information concerning your identity e.g. photo ID, passport information, National ID card and nationality.",
        "when-6": "You use your login credentials for online and mobile apps.",
        "when-7": "We conduct necessary investigations i.e., due diligence checks, and AML/CFT/CPF checks and obtain information that we need to support our regulatory obligations, e.g. information about transaction details, detection of any suspicious and unusual activities.",
        "collect-note": "Note that we may collect information about your computer (or mobile device), including where available, your IP address, operating system and browser type, for system administration or for our own commercial purposes. This is statistical data about our users' browsing actions and patterns and does not identify any individual.",
        "use-h": "How We Use Your Information",
        "use-1": "FSDH Capital will only use your information when you have provided your consent or when the company is required by the law to do so.",
        "use-2": "We use the information we collect to provide customers with excellent products and services, to manage our business and to offer an enriched and enhanced customer experience.",
        "use-3": "We make appropriate use of your data to manage transactions, respond to your requests, and to provide you with more relevant products and services.",
        "use-4": "We use your information to deliver our products and services, carry out your instructions, and provide online product and services.",
        "use-5": "We use this information to detect and prevent financial crimes including fraud, financing for terrorism and money laundering, this is to ensure security and business continuity.",
        "use-6": "We will use your information to meet our compliance obligations, to comply with laws and regulations and to share with regulators when necessary.",
        "use-7": "We may also use personal information we have about you such as your email address to deliver advertising to you directly or on our websites, provide updates on special deals and offers that might interest you (unless you tell us otherwise).",
        "use-8": "We may send you general announcements or important news about your account, request your feedback and we believe you should be able to select what kinds of information you receive from us via email.",
        "use-9": "We may need to record conversations you have with us including phone calls, face-to-face meetings, letters, emails and any other kinds of communication. These recordings may be used to check your instructions to us and improve on our product and service delivery.",
        "share-h": "Who We Share Your Information With",
        "share-1": "The Company, in efforts to provide you with excellent products and services, may need to outsource its product delivery, this will be done in line with relevant regulations and laws. We may share your information to provide you with products or services you have requested.",
        "share-2": "We may also share your information where we have a public or legal duty to do so, when we need it to conclude regulatory reporting and when we have requested and received your permission to share it.",
        "rights-h": "Individual Rights",
        "right-1-h": "The right to be informed",
        "right-1": "To emphasize the need for transparency over the usage of personal data, we ensure fair processing of information typically through this privacy policy.",
        "right-2-h": "The right to access",
        "right-2": "Individuals have the right to access information the Company holds, access their personal data and other supplementary information and obtain information about how we process it.",
        "right-3-h": "The right to restrict processing",
        "right-3": "Individuals have a right to ‘block’ or withdraw their consent to our processing of your information, which you can do at any time. When processing is restricted, we are permitted to store the personal data, but not further process it.",
        "right-4-h": "The right to rectification",
        "right-4": "Individuals are entitled to have personal data rectified if it is inaccurate or incomplete. If this personal data in question has been disclosed to third parties, they must be informed of the rectification where possible. The Company must also inform the individuals about the third parties to whom the data has been disclosed where appropriate.",
        "right-5-h": "The right to erasure",
        "right-5": "Individuals have the right to request the deletion or removal of personal data where there is no compelling legal or regulatory requirement for its continued processing. The Company will make sure that this right is protected.",
        "right-6-h": "The right to data portability",
        "right-6": "We will ensure that personal data is moved, copied or transferred easily from one IT environment to another in a safe and secure way, without hindrance to usability.",
        "right-7-h": "The right to automated decision making and profiling",
        "right-7": "Individuals have the right to query a decision/profiling that we make/do about a product or service that they have applied for and that was made solely by automated means.",
        "right-8-h": "The right to object",
        "right-8": "Individuals have the right to object to our processing of their information in some circumstances.",
        "responsibility-h": "Individual Responsibility",
        "responsibility-1": "Individuals are responsible for making sure the information provided to the Company is accurate and should inform the Company on any changes as it occurs, this will enable us to update your information with us.",
        "legal-basis-h": "Why We Collect Your Data (Legal Basis)",
        "basis-1-h": "Performance of a contractual agreement:",
        "basis-1": "Processing of personal data is necessary for the performance of a contract to which the individual is a party or for the Company to take pre-contractual steps at the request of the individual. E.g. To provide and manage the financial services to the customer.",
        "basis-2-h": "Fulfilment of a legitimate interest:",
        "basis-2": "Processing is necessary under the legitimate interest of the Company, unless these interests are overridden by the individual's interests or fundamental rights. E.g. Validating KYC details.",
        "basis-3-h": "Consent of the data subject:",
        "basis-3": "The individual has given their consent to the processing of their personal data.",
        "basis-4-h": "Processing in the public interest:",
        "basis-4": "Processing personal data is necessary for the performance of a task carried out in the public interest or in the exercise of official authority. E.g. Processing data based on law enforcement agency's request.",
        "basis-5-h": "Compliance with a legal obligation:",
        "basis-5": "Processing of personal data is necessary for compliance with a legal obligation to which the Company is subject to. E.g. Data is processed as a requirement of regulatory authority.",
        "basis-6-h": "Protection of a vital interest:",
        "basis-6": "Processing personal data to protect the vital interests of the data subject or another individual. “Vital interests” will include interests essential for the life of the data subject or another individual. It applies if it’s necessary to process personal data to protect someone’s life. E.g. in case of memory loss.",
        "cookies-h": "Cookies",
        "cookies-1": "A cookie is a small file that is placed on your computer’s hard drive. Its functions include storing your login and session statuses, recording your user preferences and analyzing web traffic.",
        "cookies-2": "Cookies enable websites and applications to store your user preferences to enhance your overall website experience by better understanding your preferences, likes and dislikes. They also allow websites to identify when users are logged on their site and when they return to their site, test new content and analyse web traffic with data analytics.",
        "cookies-3": "Besides the data you elect to disclose and share with us, we cannot access your computer or any other information about you with cookies.",
        "cookies-4": "Although most browsers automatically accept cookies, you can amend your browser settings to disable cookies. This may however prevent you from fully experiencing the website as it was intended.",
        "update-h": "Policy Update",
        "update-1": "We may update our privacy notice from time to time. When we do, we will communicate the changes to you.",
        "contact-1": "If you have any queries or complaints about this Privacy Policy, please contact us at UAC Building, 1/5 Odunlami Street, Lagos and our contact details can be accessed on our official website;",
        "contact-website": "www.fsdhcapital.com",
        "contact-2": "and email",
        "contact-email": "dpocapital@fsdhgroup.com",
        "contact-3": ". You can escalate to Nigeria Data Protection Commission (NDPC) via an email address:",
        "contact-ndpc-email": "info@ndpc.gov.ng",
        "contact-4": "or website:",
        "contact-ndpc-website": "https://ndpc.gov.ng/",
        "terms-h": "Terms and Conditions",
        "terms-intro-1": "These Terms and Conditions shall govern the relationship between FSDH Capital Limited (“FSDH Capital”/the “Company”/“us”/“we”) and a person or entity who has authorized or signed FSDH’s account opening documents and/or on whose behalf a Company account or Company accounts (hereinafter referred to as “Account”) is being opened for by a legal entity and operated by one or more persons (“Account Signatory”) where the context permits (“Customer”/“you”/“your”).",
        "terms-intro-2": "If you do not agree with any provision in these Terms and Conditions, DO NOT FILL THE ACCOUNT OPENING FORM AND/OR DO NOT ACCESS ANY RELATED SERVICE PROVIDED BY THE COMPANY.",
        "authorization-h": "Authorization",
        "auth-1": "FSDH is hereby authorized to open an Account(s) for the Customer upon the Customer’s satisfaction of the Company’s requirements, and to further provide the Customer with such related financial services as it may deem fit, from time to time. The Company reserves the right not to open an Account or provide a service to a customer in line with extant laws and regulations.",
        "auth-2": "FSDH Capital is authorized to carry out due diligence activity considered necessary at any time, for the opening and/or operation of an Account. The Customer shall provide any document and/or information required by the Company from time to time in relation to update an Account information or any transaction. Pending receipt of satisfactory documents or information from a Customer and/or pending the conclusion of any due diligence activity by or on behalf of the Company and/or in the event of the Company’s determination that any due diligence findings are inconclusive or unsatisfactory, the Company may close the Account, or at any time freeze or otherwise restrict transactions on the Customer’s Account for such time it considers appropriate or until such due diligence findings become conclusive and/or satisfactory.",
        "auth-3": "Based on the Regulation 37(2) SEC AML/CFT/CPF Regulations 2022, where the client fails to complete Customer Due Diligence (CDD).",
        "reg-37-h": "37. Timing of Identification Requirements",
        "reg-37-2": "(2) The Capital Market operator shall:",
        "reg-37-2a": "(a) obtain identification evidence after it has contact with a client with a view to agreeing with the client to carry out an initial transaction; or reaching an understanding, whether binding or not, with the client that it may carry out future transactions; and",
        "reg-37-2b": "(b) Where the client does not supply the required information as stipulated in sub-regulation (2) (a) of this regulation, a Capital Market Operator shall discontinue any activity it is conducting for the client; and bring to an end any understanding reached with the client.",
        "reg-37-3": "(3) A Capital Market Operator shall observe the provisions on the timing of verification under the subsisting AML/CFT/CPF Laws and Regulations.",
        "reg-37-4": "(4) A Capital Market Operator may however start processing the transaction or application immediately, provided that it –",
        "reg-37-4a": "(a) promptly takes appropriate steps to obtain identification evidence;",
        "reg-37-4b": "(b) does not transfer or pay any money out to a third party until the identification requirements have been satisfied",
        "reg-37-5": "(5) The failure or refusal by an applicant to provide satisfactory identification evidence within a reasonable time-frame without adequate explanation may lead to a suspicion that the applicant is engaged in money laundering, terrorist financing or proliferation financing.",
        "reg-37-6": "(6) A Capital Market Operator shall therefore make Suspicious Transactions Reports to NFIU based on the information in its possession before the funds involved are returned to the potential client or where they came from.",
        "auth-4": "In the event that the Company closes my account for any of the aforementioned reasons, the Company shall render a Suspicious Transaction Report (STR) to the Nigerian Financial Intelligence Unit (NFIU) as required by the provisions of section 37(6) of the SEC AML/CFT/CPF Regulations 2022.",
        "auth-5": "In addition to legal and regulatory compliance by FSDH Capital, the Company is hereby authorized to apply its internal policies and rules for the operation of an Account as it may so determine from time to time, including policies relating to dormancy and restrictions on the Account.",
        "auth-6": "FSDH Capital consults with various bureaus and reference agencies and may be required to disclose the Customer’s information to these agencies for the purposes of conducting checks on the Customer. The Customer hereby authorizes FSDH to disclose any or all information on its Account(s) and/or transaction(s) with FSDH to such agencies, whether such agencies are local or international. This authorization discharges FSDH from all liabilities, claims and/or damages for such disclosures made by FSDH.",
        "further-h": "Further to the Authorization Given Above",
        "further-1": "The Customer confirms receipt of sufficient information and is satisfied with the nature and features of the Accounts and/or Companying products that the Customer subscribes for. The Customer confirms that FSDH may make any amendment to the features of any Account or products as it may deem fit without a requirement for prior notification to the Customer.",
        "further-2": "The Customer confirms that the Authorised Signatory(ies) to an Account is/are hereby authorized to access and transact on the Customer’s Account, in line with the rules specified in the Mandate, for such purpose(s) as the Company may permit.",
        "further-3": "The Customer confirms that no liabilities whatsoever shall be ascribed to the Company for funds handed to a staff of the Company or to any person purporting to be FSDH Capital’s staff outside business hours or outside the Company’s premises and/or in any manner outside the Company’s acceptable means of accepting deposits, unless by specific agreement in writing with FSDH Capital. The Company also disclaims liability for any funds transfer or any other transaction request purportedly consummated with a staff of a purported staff of FSDH Capital in any manner outside the Company’s acceptable means of consummating such transaction. The Customer hereby indemnifies and shall keep FSDH Capital indemnified against all loss, claim, damage or action that may arise therefrom.",
        "further-4": "Except otherwise agreed in writing, all funds standing to the credit of an account shall be payable on demand only and FSDH Capital is not under any obligation to effect any transfer or debit instruction if the Customer’s account is not sufficiently funded to accommodate the value of the instruction and incidental charges. Upon the Company’s suspicion of fraud, impropriety or encumbrance of the funds in a Customer’s account or under any circumstances in which the Company considers necessary or prudent to so act, with or without notice to the Customer and without any responsibility or liability whatsoever, FSDH Capital may refuse to honour any transfer or other debit instruction. The Customer undertakes that except prior appropriate credit arrangement has been made by FSDH Capital, there shall be no transfer or debit instruction when the balance in the account is insufficient to cover the value of the debit and incidental charges.",
        "further-5": "The Customer agrees that in addition to any general lien or similar right which FSDH Capital may be entitled to by law, where the Customer has an outstanding liability and/or obligation to FSDH, the Company may, without notice to the Customer, combine or consolidate all or any of the Customer’s account(s) and set-off or transfer any sum(s) standing to the Customer’s credit in any one or more accounts towards satisfying such liability and/or obligation, be it actual, contingent, primary, collateral and/or several and joint.",
        "further-6": "Deposit and withdrawals in foreign currency notes are subject to availability and adequate notice being received by FSDH Capital. Transactions shall be subject to FSDH’s prevailing prescribed commission/service charges and also conversion at FSDH’s prevailing foreign exchange rates (where applicable). The exchange rate, tax-related and other associated risks connected with the foreign currency transactions shall be at the sole cost and responsibility of the Customer. The Customer will be exclusively liable for any adverse consequence of any non-compliance with any relevant laws, regulations and governmental policies regarding foreign exchange transactions (including, but not limited to, any sanctions imposed by the competent authorities).",
        "further-7": "FSDH Capital may, at its sole discretion or upon request by the Customer, send notification(s), alerts or information to the Customer in respect of a debit and/or credit alert or other transactions on the Customer’s account, via electronic mail, text message or other means as FSDH Capital may deem appropriate and at a fee as may be prescribed by the Company. However, FSDH Capital does not guarantee delivery of such alerts as these may be occasioned by various factors outside the Company’s control.",
        "further-8": "FSDH Capital may assign, transfer and/or novate all or any of its rights and/or obligations under these Terms and Conditions or in relation to any account and/or service to a third party without the consent of or prior notification to the Customer. The Customer may not assign, transfer and/or novate all or any of its rights and/or obligations under these Terms and Conditions or in relation to any account and/or service to a third party without the written consent of FSDH.",
        "further-9": "The Customer confirms that FSDH Capital may accept, act and/or comply with processes relating to a legal action served on it by any means in respect of Account(s) of such Customer. Within the extent permitted by law, the Company may send a notice to the Customer regarding such legal action. FSDH Capital may, however, refrain from sending such notice to the Customer depending on the circumstances of each case.",
        "further-10": "The Customer may request for the closure of its account provided all liabilities, obligations and/or any outstanding amounts owed to FSDH has been fully settled. FSDH Capital may close any Account without giving any reason immediately upon issuing a notice to the Customer. If an account is closed and the Customer has outstanding obligations to the Company, such obligations shall persist until the Company receives and acknowledges satisfactory discharge of the obligations of such Customer. Where there are balances in a closed account, the Customer shall take steps to collect such balance amount in the account and until same is collected, the Company shall have the right to keep such balance without any interest being payable on such amount. Where FSDH Capital has suspicion of the death or legal incapacity of the Customer, the Company reserves the right to place a restriction and/or freeze on such customers Account(s) until the receipt of sufficient information to take the appropriate actions.",
        "further-11": "Upon the death or legal incapacity of the Customer, FSDH Capital may continue to honour any instructions on such customer’s account until the Company has actual knowledge of the death or legal incapacity and has had an opportunity to act on such information.",
        "further-12": "FSDH Capital may send notices, advices or other communication to the Customer by hand, electronic means, telephone calls, or by leaving them at any addresses (known to the Company or reasonably believed by the Company to be the address of the Customer) or through any other means selected by the Company and such notice, advice or other communication will be deemed to have been received by such customer upon delivery of same.",
        "further-13": "You hereby represent and warrant that:",
        "further-13-a": "you have read and understood the Privacy Notice and Terms & Conditions.",
        "further-13-b": "you are at least 18 (eighteen) years of age.",
        "further-13-c": "your personal information and any other information given to us is true, accurate, authentic, current and complete.",
        "further-13-d": "You agree to comply with and be bound by the Privacy Notice and Terms & Conditions governing your use of the account and you affirm that the Terms and Conditions are without prejudice to any other right that we may have with respect to your use of the account under the laws of the Federal Republic of Nigeria or otherwise.",
        "further-13-e": "your acceptance and use of the account does not violate any applicable law in Nigeria or any contract or obligation to which you are a party or are otherwise bound; and",
        "further-13-f": "that if you are accepting the Privacy Notice and Terms and Conditions on behalf of a company, organisation or other legal entity, that you have their consent or authorisation to do so.",
        "further-14": "You agree that under no circumstances will the Company be liable for any damages, whether direct, indirect, incidental, consequential, special, punitive or exemplary damages, arising out of or in any way connected with your use of or inability to use your Account, including but not limited to: loss of revenue, trading losses, anticipated profits, business, savings, goodwill or data; any failure of performance, denial of service, attack, interruption, defect, operator errors, inconvenience or delay in operation or transmission or computer virus; failure of electronic or mechanical equipment or communications lines (including telephone and the internet); severe or extraordinary weather (including flood, earthquake, or other act of God); fire, war, insurrection, terrorist act, riot, labour dispute and other labour problems, accident, emergency or action of government; or any third party theft of, destruction of, unauthorized access to, alteration or use of your information, equipment or property.",
        "further-15": "Your use of your account may involve the transmission of information, including personally identifiable data, about you. You hereby consent to the transmission of such information by electronic means through the Internet and other means and represent that such consent shall be effective throughout your account operation. The transmission of your personal data or information shall be processed by FSDH in accordance with the Nigeria Data Protection Act 2023 and any other relevant data protection legislation.",
        "further-16": "The Customer also confirms that in the absence of any directive to the contrary, any account(s) subsequently opened in the name of the Customer shall be operated and dealt with upon these terms and conditions.",
        "further-17": "If any provision of these Privacy Notice and Terms and Conditions is deemed unlawful, void, or for any reason unenforceable, the remaining provisions shall be enforced to the fullest extent possible, and the remaining provisions shall remain in full force and effect.",
        "further-18": "You shall comply with all laws, rules and regulations of the Securities and Exchange Commission and any governmental authority or agency which govern or apply to CMOs relationships in Nigeria.",
        "further-19": "These Terms and Conditions are governed by the laws of the Federal Republic of Nigeria and subject to the jurisdiction of the Nigerian courts."
      }
    },
    "pricing": {
      "explore": "Explore Transparent Pricing ",
      "seamless": "for Seamless Payments!",
      "make": "Make payments",
      "bills-payments": "Bills payments (Regular): ",
      "of-transaction": " of transaction value subject to a maximum of ",
      "per-transaction": " per transaction.",
      "payments-to": "Payments to educational institutions: ",
      "salary-payments": "Salary payments to employees and other 3rd parties: ",
      "per-million": " per million, subject to a maximum of ",
      "vendor-payments": "Vendor payments: ",
      "pension-payments": "Pension Payments: ",
      "schedule-pfa": " per schedule per PFA + ",
      "million-pfa": " per million per PFA.",
      "nhf": "NHF payments: ",
      "per-schedule": " per schedule.",
      "social-disbursement": "Socal disbursement: ",
      "per-beneficiary": " per beneficiary.",
      "see-all": "See all payments",
      "receive": "Receive payments",
      "receive-bills": "Receive bills payments (Regular): ",
      "educational": "Educational institutions receiving payments: ",
      "international": "International transactions: ",
      "of-transaction-value": " of transaction value.",
      "direct-debit": "Direct Debit/Standing Order: ",
      "maximum-of": " Maximum of ",
      "loan-collections": "Loan Collections (Inflight collections): ",
      "of-loan": " of loan amount.",
      "terminals": "Terminals",
      "please": "Please note:",
      "prices-may": "Prices may change without notice due to currency fluctuations. We aim for stability but shifts in exchange rates may affect final prices. Contact us directly if you have any questions or concerns regarding pricing.",
      "device-name": "Device Name",
      "price": "Price",
      "5500-plus": "BluePad-5500 Plus",
      "50-plus": "BluePad-50 Plus",
      "55-v2": "BluePad-55 v2",
      "bluecash": "BlueCash-50",
      "5000-v2": "BluePad-5500 v2",
      "request-pos": "Request POS",
      "agent-centa": "Agent Centa",
      "transaction-type": "Transaction Type",
      "cost-to": "Cost to Agent",
      "aggregator": "Aggregator Commission",
      "super-aggregator": "Super Aggregator Commission",
      "card-withdrawal": "Card Withdrawal",
      "deposit": "Deposit/Transfer",
      "fgn-tsa": "FGN TSA",
      "non-tsa": "Non TSA",
      "inflow": "Inflow/Top-Up",
      "capped": " capped @ ",
      "n-a": "N/A",
      "see-agent": "See Agent Centa",
      "1.5%": "1.5%",
      "4.0%": "4.0%",
      "1%": "1%",
      "0.5%": "0.5% ",
      "0.1%": "0.1% ",
      "n2k": "₦2,000",
      "n2500": "₦2,500",
      "n2": "₦2",
      "n300": "₦300",
      "n100": "₦100",
      "n5k": "₦5,000",
      "n10": "₦10",
      "n150": "₦150",
      "n15": "₦15",
      "n1k": "₦1,000",
      "n100k": "₦100,000",
      "n150k": "₦150,000",
      "n1.50": "₦1.50",
      "n18": "₦18",
      "n4.5": "₦4.5",
      "n4": "₦4",
      "n19": "₦19"
    },
    "imto": {
      "steamline-remittances": "Streamline your global remittances",
      "managing-diaspora-remittances": "We’ve built a solution that makes managing diaspora remittances easy. Enjoy real-time tracking, robust compliance features, and a user-friendly interface. Join us in revolutionizing international money transfers!",
      "trusted-by": "TRUSTED BY",
      "currency-management": "Currency Management",
      "navigate": "Navigate",
      "global-market": " the global market with confidence",
      "real-time-rates": "Real-Time Rates:",
      "integrates-with-forex": " Integrates with a Forex API to provide current exchange rates, ensuring accurate conversions.",
      "rate-lock": "Rate Lock:",
      "locks-exchange-rates": " Locks exchange rates upon confirmation, reducing risks from currency fluctuations.",
      "transparency": "Transparency:",
      "clearly-displays-rates": " Clearly displays rates and fees for both clients and IMTO operators, enhancing transparency.",
      "transtion-management": "TRANSACTION MANAGEMENT",
      "manage-transactions": "Manage transactions with an",
      "all-in-one": " all-in-one dashboard",
      "transaction-tracking": "Transaction Tracking: ",
      "get-real-time-updates": "Get real-time status updates, including order confirmation, processing, and closure.",
      "in-out-transactions": "In-Out transactions: ",
      "supports-both-transactions": "Supports both inbound and outbound transactions, ensuring secure transfers between IMTOs and their clients",
      "fraud-prevention": "Fraud Prevention: ",
      "incorporates-fraud-checks": "Incorporates fraud checks to validate beneficiary accounts and monitor for suspicious activities.",
      "insights": "Insights",
      "why-use-many-apps": "Why use many apps to track your business, when all you need is embedded within a single  user-friendly dashboard",
      "analytics-reporting": "ANALYTICS AND REPORTING",
      "empower-your-business": "Empower Your Business with ",
      "data-driven-insights": "Data-Driven Insights",
      "cutting-edge-analytics": "Our cutting-edge analytics and reporting feature provides you with actionable insights that drive informed decision-making. Whether you’re tracking sales performance, or collating compliance information, our platform empowers you to harness the full potential of your data.",
      "transaction-history": "Transaction History:",
      "access-transaction-records": " You can access records of all transactions, allowing for comprehensive review and analysis. ",
      "custom-reports": "Custom Reports:",
      "generate-reports": " Generate and export reports on transaction volumes, exchange rates fees, and more, facilitating data-driven decision-making.",
      "user-management": "USER MANAGEMENT",
      "share-the-responsibility": "Share the responsibility",
      "managing-your-business": " of managing your business",
      "role-based-access": "Role Based Access:",
      "invite-multiple-users": " Invite multiple users with flexible access levels to collaborate in managing your activities.",
      "audit-logs": "Audit Logs:",
      "track-and-store": " Track and store user activities, ensuring accountability and transparency.",
      "create": "Create",
      "your-account": " your account in minutes",
      "start-managing": "Start managing your international transactions with us.",
      "contact-support": "Contact Support"
    },
    "pops": {
      "biller-message": "This Payment in favour of {{biller}} can only be initiated from biller website. Please visit ",
      "redirect-message": "You will be redirected in {{duration}}",
      "redirecting": "Redirecting...",
      "other-labels": "Click cancel or Close modal to prevent redirection",
      "cancel": "Cancel",
      "continue": "Continue",
      "item": "Item",
      "unit-price": "Unit Price",
      "qty": "Qty",
      "price": "Price",
      "your-total": "Your Total"
    },
    "error": {
      "looks": "Looks like you got lost looking for something. Let's direct you back home.",
      "back": "Back to home page"
    },
    "connect": {
      "ride": "Ride Remita Rails: Powering Financial Services Across Africa",
      "your-gateway": "Ride Remita Rails: Your Gateway to Smarter Integrations",
      "build-innovate": "Build, innovate, and go live faster with the all-in-one platform that gives you seamless access to Remita's powerful suite of APIs.",
      "propel": "Propel your financial technology forward by connecting to our infrastructure and beat development-to-market time easily.",
      "services": "SERVICES",
      "some": "Some services built to drive your business growth",
      "creating-new-solution": "Whether you are creating new solutions or expanding existing ones, ",
      "effortless-integration": "we make integration effortless",
      "biller": "Bills Payments",
      "bills-payment-info": "Give your customers the convenience of paying all their bills in one place e.g. subscriptions, government services, businesses, utility etc.",
      "help": "Help millions of customers manage and collect payments from multiple billers. e.g firs,education.",
      "learn-biller": "Learn more about Biller Aggregation",
      "direct": "Direct Debit",
      "learn-direct": "Learn more about Direct Debit",
      "automate": "Automate recurring payments for your merchants and other businesses that use your technology.",
      "vending": "Vending",
      "learn-vending": "Learn more about Vending",
      "integrate": "Integrate with our vending service to access aggregated providers and track real-time sales all in one place.",
      "data": "Data Referencing",
      "learn-data": "Learn about Data Referencing",
      "payment": "Payment Gateway",
      "enhance": "Enhance your payment experience with Remita's multi-channel payment gateway! Integrate for secure, convenient transactions.",
      "coming": "Coming soon",
      "pos": "Remita POS SDK",
      "learn-pos": "Learn about POS Terminals",
      "integrate-pos": "Integrate Remita POS SDK for seamless international and local card payments, driving growth for your merchant and agency business.",
      "how": "HOW IT WORKS",
      "easily": "Connect to our Rail services easily",
      "connect": "Connect",
      "onboard": "Onboard and complete your KYC in minutes to get started",
      "build": "Build",
      "integrate-point": "Integrate",
      "innovate": "Innovate",
      "gain-flexibility": "Gain the flexibility to integrate with multiple services faster and more easily than you might expect.",
      "ensure-secure-transaction": "Ensure all data and transactions are secured with end-to-end encryption for safe and compliant integrations.",
      "integrate-and-go-live": "Integrate and go live quickly with streamlined setup, reducing time to market for your services.",
      "monitor-and-track": "Monitor and track commissions from the start, giving you clear insights into revenue as soon as transactions occur.",
      "go-live-explore": "Go Live. Explore the endless potential of these APIs",
      "subscribe": "Subscribe to a service and test in demo mode.",
      "deliver": "Subscribe to a service and test in demo mode.",
      "submit": "Submit required documentation and go live. Explore the endless potential of these APIs.",
      "benefits": "BENEFITS",
      "enterprise": "Enterprise ready solutions ",
      "in": "in one box",
      "seamless": "Seamless integration",
      "remita-connect": "Remita Connect?",
      "gives": "Remita connect gives you the flexibility to integrate with our different services easier than you would expect.",
      "encrypted": "Encrypted access",
      "data-referencing-info": "Access user consented data to perform verification or validation services for financial and non-financial purposes.",
      "fast": "Fast deployment time",
      "beat": "Beat market deployment times by leveraging our service to sustainably build your products.",
      "commission": "Easy commission tracking",
      "keep": "Keep all your income and commissions organized in one place, making it easy to track your earnings.",
      "faq": "FREQUENTLY ASKED QUESTIONS",
      "want": "Want to know more about ",
      "more": "More helpful information",
      "who": "Who can use our Services?",
      "designed": "Remita connect's services are designed for a variety of businesses, including financial institutions, fintech companies, large enterprises, SMEs, e-commerce platforms, utility companies, and government agencies. Our API solutions offer secure integrations for payments, billing, financial services, and operational efficiency.",
      "after": "After setting up your account, you can proceed to using the dashboard to complete your KYC registration.",
      "what": "What documents are required to complete my registration?",
      "bvn": "• BVN",
      "passport": "• Passport photograph",
      "name": "• Name and place of birth",
      "gender": "• Gender, address and email",
      "valid": "• Valid means of identification (voter's card, driver's license, national ID, international passport, NIN)",
      "information": "• Information must be verified by NIMC, INEC",
      "verification": "• Verification of address",
      "can": "Can I proceed with registration if I do not have the Corporate Affairs Commission (CAC) or business name documents?",
      "yes": "Yes, you can proceed to register as a RemitaCenta merchant without this document.",
      "must": "Must I have a registered business before I can be a Remita connect user?",
      "compulsory": "It is not compulsory for an agent to have a registered business but mandatory for an aggregator to have a registered business.",
      "ready": "Ready to ",
      "supercharge": "supercharge your business ",
      "with-our": "with our powerful services?",
      "let": "Let us partner with you to offer financial services seamlessly and effortlessly.",
      "inter-bank-transfer": "Interbank Transfers",
      "inter-bank-transfer-info": "Banks, Fintechs, and Corporates can move money securely across banks and payment channels through one reliable connection.",
      "instant-transfers": "Instant Transfers",
      "instant-transfers-learn-more": "Learn more about Instant Transfers",
      "learn-more-about-gateway": "Learn more about Payment Gateway"
    },
    "pay-salaries": {
      "title": "Pay Salaries",
      "click-here": "Click here",
      "generate-file": " to generate a template file",
      "cancel": "Cancel",
      "export": "Export",
      "search-for-bank-codes": "Search for bank codes",
      "view-bank-code": "View Bank Code",
      "proceed": "Make Payment",
      "good-records": "Good Records (",
      "bad-records": "Bad Records (",
      "no-records": "No Records",
      "payer-details": "Payer Details",
      "payment-summary": "Payment Summary",
      "no-of-records": "No. of Records",
      "amount": "Amount",
      "record-limit-reached": "You've exceeded the 5000 single record upload. Kindly login to lift restriction.",
      "processing-fee": "Processing Fee",
      "total": "TOTAL",
      "field": {
        "title": {
          "label": "Salary Title",
          "placeholder": "Enter Salary Title"
        },
        "status": {
          "label": "Status",
          "placeholder": "Status"
        },
        "file": {
          "label": "Salary Sheet",
          "placeholder": "Drop or select salary sheet for salaries"
        },
        "name": {
          "label": "Payer's Name",
          "placeholder": "Enter Payer's Name"
        },
        "email": {
          "label": "Payer's Email",
          "placeholder": "Enter Payer's Email"
        },
        "phone": {
          "label": "Payer's Phone Number",
          "placeholder": "Enter Payer's Phone Number"
        },
        "address": {
          "label": "Payer's Address",
          "placeholder": "Enter Payer's Address"
        },
        "accountNumber": {
          "label": "Account Number"
        },
        "bankCode": {
          "label": "Bank"
        },
        "benName": {
          "label": "Beneficiary"
        },
        "amount": {
          "label": "Amount"
        },
        "shortDescription": {
          "label": "Short Desc."
        },
        "longDescription": {
          "label": "Long Desc."
        },
        "transComment": {
          "label": "Reason"
        },
        "beneficiarySurname": {
          "label": "Beneficiary Surname"
        },
        "beneficiaryOtherName": {
          "label": "Beneficiary Other Names"
        }
      },
      "replay": "Replay Payment",
      "enter-passcode": "Enter Passcode",
      "passcode": "Passcode",
      "validate": "Validate"
    },
    "payment-receipt": {
      "title": "Payment Successful",
      "message": "Your payment has been successfully processed.<br>Thank you for choosing Remita!",
      "print": "Print Receipt",
      "cancel": "Back to home"
    },
    "bills-payment": {
      "amount-paid": "Amount Paid",
      "service-provider": "Service Provider",
      "beneficiary-name": "Beneficiary",
      "package-details": "Package details",
      "validity-period": "Validity Period",
      "customer-name": "Customer Name",
      "customer-email": "Customer Name",
      "customer-phone": "Customer Phone",
      "transaction-reference": "Transaction Reference",
      "meter-token": "Token",
      "type": {
        "airtime": "Airtime",
        "data": "Data",
        "cable-tv": "Cable TV",
        "electricity": "Electricity",
        "general": "Bills Payment"
      },
      "form": {
        "recharge-type": "Recharge Type",
        "data-plan": "Data Plan",
        "subscription-plan": "Subscription Plan",
        "tariff-type": "Tariff",
        "service-type": "Service Type",
        "phone-number": "Phone Number",
        "smartcard-number": "Card Number",
        "meter-number": "Meter Number",
        "account-number": "Account Number"
      }
    },
    "nrs": {
      "streamline-your-nrs": "Streamline Your NRS ",
      "e-invoicing": "E-Invoicing ",
      "with-remita": "with Remita",
      "stay-compliant-with": "Stay compliant with Nigeria's e-invoicing regulations. Send invoices, generate QR codes, and manage tax reporting seamlessly—all in one platform.",
      "get-started-today": "Get Started Today",
      "everything-you-need": "Everything ",
      "you-need-for-nrs": "You Need for NRS Compliance",
      "complete-solution": "A complete solution built for Nigerian organizations",
      "submit-invoices": "Submit Invoices to NRS",
      "submit-invoices-desc": "Instantly transmit invoice data to NRS through our approved System Integrator platform. Receive immediate confirmation with unique Invoice Reference Numbers (IRN).",
      "qr-code-generation": "QR Code Generation",
      "qr-code-desc": "Automatically generate scannable QR codes embedded with NRS IRN, enabling your customers to instantly verify invoice authenticity and compliance.",
      "real-time-status": "Real-Time Status Updates",
      "real-time-desc": "Update invoice status in real-time, including payment confirmations. Keep NRS informed automatically as transactions progress through your workflow.",
      "comprehensive-reporting": "Comprehensive Reporting",
      "comprehensive-desc": "Access detailed reports showing all invoices submitted to NRS, their current status, payment history, and full audit trails for compliance verification.",
      "built-for": "Built for ",
      "nigerian-tax-compliance": "Nigerian Tax Compliance",
      "approved-provider": "Remita is an approved Access Point Provider and System Integrator for NRS e-invoicing scheme, ensuring your organization meets all regulatory requirements.",
      "fully-compliant": "Fully compliant with NRS e-invoicing regulations",
      "secure-transmission": "Secure data transmission with end-to-end encryption",
      "automated-checks": "Automated compliance checks before submission",
      "direct-integration": "Direct integration with NRS infrastructure",
      "regular-updates": "Regular updates to match regulatory changes",
      "nrs-approved": "NRS Approved",
      "certified-integrator": "Certified System Integrator & Access Point Provider",
      "how-to": "How ",
      "to-get-started": "to Get Started",
      "go-live": "Go live in as little as 24 hours",
      "register-organization": "Register Your Organization",
      "register-desc": "Create your Remita account with basic business information. Quick and straightforward registration process.",
      "register-now": "Register Now →",
      "complete-kyc": "Complete KYC",
      "kyc-desc": "Submit your KYC documents for verification. Most organizations get immediate approval and can start uploading invoices right away.",
      "upload-submit": "Upload & Submit",
      "upload-desc": "Start submitting invoices to NRS immediately after approval. Use our web interface for manual uploads or integrate via API.",
      "integrate-optional": "Integrate (Optional)",
      "integrate-desc": "Connect your existing systems through our API for automated invoice submission and status updates.",
      "view-api-docs": "View API Docs →",
      "why-organizations": "Why Organizations Choose ",
      "remita": "Remita",
      "save-time": "Save Time",
      "save-time-desc": "Automate NRS submissions and eliminate manual processes. What took hours now takes seconds.",
      "reduce-risk": "Reduce Risk",
      "reduce-risk-desc": "Minimize compliance errors with automated validation and instant NRS confirmation.",
      "improve-cashflow": "Improve Cash Flow",
      "improve-cashflow-desc": "Faster invoice processing and transparent payment tracking help optimize working capital.",
      "scale-effortlessly": "Scale Effortlessly",
      "scale-desc": "Handle increasing invoice volumes without adding administrative overhead.",
      "enhanced-security": "Enhanced Security",
      "security-desc": "Bank-grade encryption protects sensitive financial data throughout the submission process.",
      "expert-support": "Expert Support",
      "support-desc": "Access dedicated support team familiar with both Remita platform and NRS requirements.",
      "ready-to-simplify": "Ready to Simplify NRS Compliance?",
      "join-hundreds": "Join hundreds of Nigerian organizations already using Remita for seamless e-invoicing",
      "create-account": "Create Your Account"
    },
    "download": {
      "title": "Transform Your Communication with Instant Connectivity",
      "subtitle": "Install Remita on all your devices to stay engaged and continue every conversation.",
      "detected-prefix": "We detected you're on",
      "section-title": "Download for All Your Devices",
      "section-subtitle": "Stay connected across all platforms",
      "desktop-label": "Desktop",
      "desktop-name": "PC/Mac",
      "desktop-description": "Stay ahead with quick, adaptable communication strategies for evolving business landscapes.",
      "ios-label": "Mobile Phone",
      "ios-name": "iOS",
      "ios-description": "Stay ahead with quick, adaptable communication strategies for evolving business landscapes.",
      "android-label": "Mobile Phone / Tablet",
      "android-name": "Android",
      "android-description": "Stay ahead with quick, adaptable communication strategies for evolving business landscapes.",
      "download": "Download",
      "download-for-desktop": "Download for Desktop",
      "current-device": "Current Device",
      "download-appstore": "Download on the App Store",
      "download-playstore": "Get it on Google Play",
      "appstore-alt": "Download on the App Store",
      "playstore-alt": "Get it on Google Play"
    },
    "mandate": {
      "indemnity": {
        "title": "Indemnity Agreement",
        "heading": "INDEMNITY",
        "this-indemnity": "THIS INDEMNITY",
        "is-given-this": " is given this ",
        "day-of": " day of ",
        "by": " by ",
        "citizen-intro": ", a citizen of the Federal Republic of Nigeria to ",
        "zenith-bank": "ZENITH BANK PLC",
        "company-details": ", a company incorporated under the Laws of the Federal Republic of Nigeria with its registered office at Plot 87, Ajose Adeogun Street, Victoria Island, Lagos State (hereinafter called ",
        "zenith": "\"ZENITH\"",
        "whereas": "WHEREAS:",
        "whereas-1-intro": "I have requested for a third party product, ",
        "remita": "\"REMITA\"",
        "whereas-1-content": " which is an electronic collection and payment solution offered by ZENITH to its customers that intend to process transactions on the Remita Platform from and/or make payments to beneficiaries via their account with ZENITH.",
        "whereas-2": "In order for me to successfully process transactions on the Remita Platform, ZENITH is required under the REMITA product to authenticate my account with the unique PIN generated by me from the system that will grant me access to carry out transactions.",
        "whereas-3": "Considering the sensitive nature of the unique PIN which is the key to initiation and consummation of electronic transactions and the inherent risk in the event of mishandling of the unique PIN and including the exposure of transaction account balances, ZENITH has requested for an Indemnity against any liability, loss or damage that may be suffered by ZENITH arising from the mishandling of the unique PIN which may result in loss including but not limited to any negligence on my part in granting unauthorized access to my account information.",
        "now-therefore": "NOW THEREFORE,",
        "covenant-1": " I hereby irrevocably and unconditionally undertake and covenant that I shall at all times hereafter well and truly indemnify ZENITH and keep ZENITH fully indemnified against all losses, claims, demands, liabilities, actions, proceedings, damages, fees, costs, expenses and any other liabilities which may be incurred or suffered by ZENITH in consequence of my negligence and/or mishandling of the Dynamic PIN, passwords, codes or other access to account information by unauthorized persons arising from service rendered by Zenith to me on the Remita Platform.",
        "covenant-2": "In the event of any loss arising due to misuse of the service or unauthorized access to the Dynamic PIN by a third party, ZENITH is authorized to set off any liability accruing to ZENITH arising out of or relating to granting the REMITA service, against my account and assets with ZENITH, pursuant to my undertaking to indemnify and hold ZENITH harmless.",
        "covenant-3": "This Indemnity is a continuing Indemnity and shall continue in full force and effect so long as I shall continue to use the REMITA product and shall apply to all transactions performed on the Platform. This Indemnity shall be governed by Nigerian law and any dispute thereunder resolved exclusively by the Courts in Nigeria.",
        "checkbox-label": "I have read and agree to the indemnity terms above",
        "proceed": "Proceed to Verification"
      }
    },
    "indemnity": {
      "title": "Payment Verification Agreement",
      "subtitle": "Please read and accept the terms before proceeding with your payment verification.",
      "intro": "By proceeding, you confirm that:",
      "term1": "You are the rightful owner of the payment card being verified",
      "term2": "You authorize Remita to verify your card using the last 4 digits and OTP",
      "term3": "You accept responsibility for all transactions authorized with your card details",
      "term4": "You will keep your OTP confidential and not share it with anyone",
      "note": "Note:",
      "note-text": "Remita will never ask for your full card number, CVV, or PIN.",
      "checkbox-label": "I have read and agree to the terms above",
      "checkbox-error": "You must accept the terms to proceed",
      "proceed": "Proceed to Verification"
    },
    "card-verification": {
      "title": "Verify Account",
      "subtitle": "Please provide these fields as requested by your bank to verify your account",
      "card-label": "Card",
      "card-placeholder": "Please specify the last 4 digits of your bank card",
      "otp-label": "One Time Password",
      "otp-placeholder": "Please enter your Bank OTP",
      "no-otp-prefix": "No OTP?",
      "no-otp-link": " CLICK HERE ",
      "no-otp-suffix": "to print form for manual bank processing",
      "submit": "Submit"
    },
    "pension-guide": {
      "title": "How to make a pension payment on Remita",
      "subtitle": "Follow the steps below to upload your pension schedule, generate a Remita Retrieval Reference, and complete your payment.",
      "overview": {
        "title": "Overview",
        "description": "This guide walks through submitting a bulk pension payment on Remita — uploading a pension schedule, validating payer details, and completing payment. The screenshots below use sample data for illustration. Enter your own employer code and payer details when you submit a real payment."
      },
      "requirements": {
        "title": "Before you begin",
        "schedule": "A completed pension schedule in CSV format",
        "employer-code": "Your employer code",
        "payer-details": "The payer's name, phone number and email address",
        "rsa-pin": "Your RSA PIN, for the validation step later"
      },
      "steps": {
        "template": {
          "title": "Step 1: Download the schedule template",
          "description": "On the Pay Pension page, select Click here below the upload box to download the pension schedule template."
        },
        "upload": {
          "title": "Step 2: Upload your file and enter your details",
          "points": {
            "complete-template": "Complete the downloaded template, then select the upload box to locate the file on your device and upload it.",
            "employer-code": "Enter your Employer code.",
            "payer-details": "Enter the Payer's name, phone number and email address"
          }
        },
        "file-validation": {
          "title": "Step 3: Submit for file validation",
          "description": "Select <strong>Proceed</strong> to send your schedule for validation. Remita checks the file against your employer and payer details before moving you to PIN validation.",
          "image-alt": "Pay Pension form with the uploaded schedule, employer code and payer details"
        },
        "rsa-validation": {
          "title": "Step 4: Complete RSA PIN validation",
          "description": "Once file validation finishes, review the payer details and record counts, then select <strong>RSA PIN validation</strong>.",
          "image-alt": "Pension Upload Preview showing payer details, payment details and record counts"
        },
        "payment-summary": {
          "title": "Step 5: Review the payment summary",
          "description": "After RSA validation completes, review the amount and total payable, then select <strong>Proceed to payment</strong>.",
          "image-alt": "Pension Upload Preview with file upload and RSA PIN validation both complete"
        },
        "payment-method": {
          "title": "Step 6: Choose a payment method and pay",
          "description": "Select a payment option — such as Bank Transfer — and follow the on-screen instructions to complete the payment.",
          "image-alt": "Payment options panel listing card, bank transfer, USSD and other payment methods"
        }
      },
      "conclusion": "Once payment is confirmed, the pension contribution is processed against the uploaded schedule."
    },
    "pension": {
      "hero-title": "Easy, Secure & Compliant Pension Processing",
      "hero-description": "Easily process and send pension contributions. Remita checks the details in real time and sends them straight to PFAs, helping you stay compliant and plan for the future.",
      "banner": {
        "years-value": "30+",
        "years-label-1": "Years of",
        "years-label-2": "Experience",
        "orgs-value": "2000+",
        "orgs-label-1": "Organizations",
        "orgs-label-2": "Served",
        "compliance-value": "100%",
        "compliance-label-1": "PenCom-Compliant",
        "compliance-label-2": "Infrastructure"
      },
      "why-remita": {
        "title": "WHY REMITA PENSIONS",
        "subtitle": "Built for Compliance. Designed for Scale. Trusted Nationwide.",
        "description": "Remita Pensions is powered by infrastructure that supports Nigeria's financial ecosystem at scale, ensuring pension remittances are processed accurately, securely, and in line with PenCom regulations."
      },
      "how-it-works": {
        "title": "HOW IT WORKS",
        "heading": "Effortless pension management made simple",
        "steps": {
          "upload": {
            "step": "1",
            "title": "Upload",
            "description": "Upload your pension schedule in CSV or Excel format, including employee details and contribution breakdowns. ",
            "sample-link": "Download sample here."
          },
          "validate": {
            "step": "2",
            "title": "Validate",
            "description": "RSA PINs and PFAs are verified instantly to eliminate errors and ensure compliance."
          },
          "submit": {
            "step": "3",
            "title": "Submit",
            "description": "Submit your validated schedule. Schedules are delivered instantly to the appropriate PFAs."
          }
        }
      },
      "micro": {
        "title": "MICRO PENSION (VOLUNTARY CONTRIBUTIONS)",
        "subtitle": "Secure your future on your own terms",
        "description": "Are you self-employed, a freelancer, or part of the informal sector? With Remita Micro Pension, you can make voluntary pension contributions easily and consistently.",
        "ideal-entrepreneurs": "Ideal for entrepreneurs, gig workers, artisans, and professionals.",
        "contribute-pace": "Contribute at your own pace - daily, weekly, or monthly.",
        "funds-remitted": "Funds are remitted directly to your chosen PFA.",
        "build-security": "Build long-term financial security."
      },
      "employers": {
        "title": "FOR EMPLOYERS & ORGANIZATIONS",
        "subtitle": "Stress-Free Pension Remittance",
        "description": "Whether you run a small business or manage a large workforce, Remita helps you:",
        "process-accurately": "Process employee pension contributions accurately.",
        "stay-compliant": "Stay compliant.",
        "eliminate-errors": "Eliminate reconciliation errors and manual follow-ups.",
        "integrate-payroll": "Integrate seamlessly with existing payroll processes."
      },
      "developers": {
        "title": "FOR DEVELOPERS & INTEGRATORS",
        "subtitle": "Embed Pension Payments Into Your Platform",
        "description": "Integrate pension remittance directly into your application using Remita's robust APIs.",
        "build-workflows": "Build pension workflows into payroll, HR, ERP, or fintech platforms.",
        "simple-api": "Simple, reliable API endpoints.",
        "secure-authentication": "Secure authentication and real-time validation.",
        "high-volume": "Designed for scale and high-volume processing."
      },
      "start-processing": {
        "prefix": "Start ",
        "highlight": "Processing Pensions",
        "suffix": " with confidence",
        "description": "Make pension remittance simple, compliant, and cost-free."
      },
      "features": {
        "pencom-approved": {
          "title": "PenCom-Approved PSSP",
          "description": "Certified as a Pension Service Support Provider and fully compliant with the Pension Contribution Remittance System."
        },
        "zero-fees": {
          "title": "Zero Schedule Delivery Fees",
          "description": "No charges for uploading schedules, validating RSA PINs, or delivering remittances to PFAs."
        },
        "fast-delivery": {
          "title": "Fast Schedule Delivery to PFAs",
          "description": "Pension schedules and payments are transmitted to PFAs immediately after successful submission."
        },
        "real-time-validation": {
          "title": "Real-Time RSA Validation",
          "description": "Direct integration with PenCom databases ensures accurate RSA PIN and PFA verification before submission."
        },
        "enterprise-security": {
          "title": "Enterprise-Grade Security",
          "description": "Built on over 30 years of trusted financial infrastructure used by governments, banks, and large enterprises."
        },
        "for-everyone": {
          "title": "For Everyone",
          "description": "Suitable for SMEs, large corporations, public sector, cooperatives, individuals, and the self-employed."
        }
      }
    },
    "jamb": {
      "how-it-works": "Here's how it works",
      "type-nin": "Type the word 'NIN' then space and add your 11 digit NIN number and send to 55019 or 66019 by SMS",
      "eg-nin": "- e.g NIN 00123456789",
      "space-nin": "- There should be a space between the word 'NIN' and your 11 digit NIN",
      "profile-code": "You will receive a 10-character Profile-code on the same telephone number which will be used to procure your ePIN",
      "ePIN": "To purchase your ePIN:",
      "click-here": " click here",
      "select": "Select JAMB DE or JAMB UTME",
      "enter-profile": "Enter your profile/confirmation code",
      "enter-phone": "Enter your registered phone number (the one on which you received the confirmation code)",
      "enter-details": "Enter other details and select how you want to pay",
      "submit": "Click 'Submit",
      "after-payment": "After payment, your PIN is delivered to your phone number and also displayed on your Remita receipt."
    },
    "pay-lagos": {
      "cbs": "CBS",
      "harmonized": "HARMONIZED",
      "pay-lagos": "Pay Lagos",
      "select-a-payment": "Select a Payment",
      "select-bill-type": "Select Bill Type"
    }
  }
}