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Terms of service

PLEASE READ THIS AGREEMENT CAREFULLY. THIS USER AGREEMENT DESCRIBES THE TERMS AND CONDITIONS UNDER WHICH STOJA ICT CONCEPTS WHICH SHALL HEREIN AFTER BE REFERRED TO AS “STOJAICT”, “STOJAICT SMS”, “WE” OR “OUR” OFFERS YOU (THE "USER" OR "YOU" OR "YOUR") AN ACCOUNT (THE "ACCOUNT") FOR USE OF THE STOJAICT BULK SMS SERVICES (THE "SMS SERVICE") AND OTHER SERVICES PROVIDED IN FURTHERANCE OF THE SMS SERVICES, OTHER SERVICES PROVIDED BY STOJAICT INCLUDES BUT ARE NOT LIMITED TO SERVICES AS STATED UNDER SECTION 1 OF THIS AGREEMENT. BY ACCESSING OR USING THE SERVICE, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS SET FORTH BELOW AS WELL AS THE TERMS AND CONDITIONS PUBLISHED ON OUR SITE (THE "SITE"). IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS AND CONDITIONS, YOU MAY NOT ACCESS OR USE THE SERVICE. STOJAICT MAY MODIFY THIS AGREEMENT AT ANY TIME, AND SUCH MODIFICATIONS SHALL BE EFFECTIVE IMMEDIATELY UPON POSTING OF THE MODIFIED AGREEMENT AT THE SITE. YOU AGREE TO REVIEW THE AGREEMENT PERIODICALLY TO BE AWARE OF SUCH MODIFICATIONS AND YOUR CONTINUED ACCESS OR USE OF THE SERVICE SHALL BE DEEMED YOUR CONCLUSIVE ACCEPTANCE OF THE MODIFIED AGREEMENT.
1. THE SERVICE

Stojaict provides an SMS Service platform via its website with the capability to provide various support and technical services as may be required in furtherance of any of the services provided by Stojaict. Services offered by Stojaict include selling of: bulk SMS, airtime recharge, phone number data base, we also provide SMS marketing, generate message report service, Joomla SMS support, Website design, hosting etc. Stojaict may terminate, change, suspend or discontinue any of the Services rendered via her platform, including the availability of any features of the site, at any time. Stojaict may from time to time provide additional services subject to charges according to the sole discretion of Stojaict.


  1. MEMBER ACCOUNT

(A) Accounts are not available to minors or any person who cannot legally agree to the terms of this Agreement. By accepting these terms, you confirm that you are capable of entering into a binding agreement. You must accurately complete any subscriber information requested by Stojaict. (B) To open an account for usage of our Service, the User must provide true and accurate information as prompted by the Registration Form and shall promptly update such information to keep it true and accurate. The User shall signup with his/her email address and a password and an authentication link will be sent to the user’s email address. The User is required to click the link to activate the account. The User is entirely responsible for the privacy, confidentiality and storage of password. All website activities that can be traced to the email and password of the User are deemed as having performed by User. Stojaict does not assume any liability for content of messages sent and is exempt from any claim that may arise from third parties as a result of message sent via its website. You are fully responsible for any charges and liabilities incurred through the use of our Services or Your Account and for any activities conducted through Your Account. In addition, Stojaict may temporarily DEACTIVATE your Account if You report unauthorized use or if usage of the Account dramatically exceeds normal usage patterns within a short time period. The User agrees to notify Stojaict immediately of any unauthorized use of the account at This email address is being protected from spambots. You need JavaScript enabled to view it..


  1. BILLING AND PAYMENT

You agree to pay all charges that may be required for use of our SMS Service and other Services rendered by Stojaict. All charges will be exclusive of value added tax ("VAT"), sales or other taxes, except as required by law. Stojaict reserves the right to modify its prices, charges or fees, provided that any changes shall be posted on the Site. You are therefore responsible for reviewing regularly the Site for information regarding fees and charges as well as changes to pricing. Continued use of or non-termination of any of our Services shall be deemed to be acceptance of any posted changes in the prices for your use of our SMS Service and other services rendered to you by Stojaict. 
(A) Fees: User shall pay to Stojaict a subscription fee according to the Plan chosen. The SMS account balance is non-refundable and does not bear interest. All purchases are considered final. Accounts on Stojaict do not expire; user can login to our website at anytime to subscribe for any of our services. Stojaict may from time to time offer limited promotions which shall be subject to the terms and condition which may not necessarily form all or any of the conditions stated herein. The terms and conditions as contained herein shall remain in full force and effect. Stojaict reserves the right to change prices or institute new charges for access to or use of any of its Services. Continued use of the any of its Services or non-termination of User's Account after changes are posted constitutes User's acceptance of the prices as modified by the posted changes.
(B) Non-Stojaict Fees: Your wireless service provider or pager company may charge you a specified fee as it may deem fit for providing you with internet or internet connection in order to access any of our services. You are responsible for paying all such fees, and for any other hardware, service or other costs You incur to access Your Account, plus any applicable taxes. Users will be charged separately for use of any the Services subscribed for via our website in accordance with this Agreement and the terms set forth on the Site.
(C)Payment: payment for services rendered by Stojaict may be made through the payment channels which are mentioned hereunder as it is provided always that the payment channels for services rendered herewith may be subject to such review and other terms as may be deem necessary by Stojaict. Stojaict may receive payment through VoguePay, an online payment processor. Payment through VoguePay for services rendered on Stojaict would require that You open and maintain a VoguePay account. Payment may also be made through bank transfer or deposit into the Stojaict Bank Account as may be provided by Stojaict from time to time in furtherance of receiving consideration for services rendered by Stojaict. We also receive payment through direct cash transaction with authorized representatives in our offices. You are therefore urged to take all necessary precautions where you opt for the cash payment method by ensuring you are dealing with the authorized representatives of Stojaict as Stojaict shall not assume liability for any loss or damage that may arise or accrue to you by reason of your transactions with an unauthorized representative.


(D) Refund Policy:

Payments received by Stojaict for all or any of the services rendered via her platform to You or to anyone through your account are non-refundable. However, Stojaict may only consider a refund for any services or subscription activated on our site where such services has not been approved or is pending the approval of Stojaict. No refund shall be processed by Stojaict except an application to process the refund is made within 5 days of making the payment. The request for any refund shall be reviewed and accessed in order to deduct any applicable service charge for the current billing month prior to the cancellation of the service in which case our processing of the refund shall be subject to a processing fees of the applicable bank charges/fees as may be effective at every such material time. A refund may take 24-48hours upon submission of the request.


(E) Credit Policy:

Stojaict does not accept credit from Users. All our Users are advised to refrain from embarking on any act, conduct or omission that may directly or indirectly indicate, instigate or infer that a User is requesting for all or any of our services on credit basis. No User must harass, disturb, intimidate or harass all or any of Our Personnel on inquiries bordering on receiving or purchasing any of our services or products on credit basis. In any event where a User continually defaults in observing the obligation as stated herein, Stojaict may proceed to report such User before the relevant regulatory authorities who shall take up the necessary legal actions against the defaulter.


PLEASE BE ADVISED:

(a) You expressly agree that all charges for payment of any of our Services are final and non-refundable save as provided in our refund policy. You are responsible for all charges resulting from your use and subscription for any of our Services. Once you have indicated your interest in any of our services, Stojaict shall provide you with a statement of your purchase details or invoice and you shall be bound by same. 
(b) If you believe that you have been improperly charged for any Service, you must notify Stojaict within 5 days of the issuance of any invoice or statement of your purchase details, provide Stojaict any information necessary to review the claim, and Stojaict will attempt to resolve the claim in a timely manner. STOJAICT DOES NOT CONDONE FRAUD: In the event of any unauthorized use of your account you must notify Stojaict, and you will be responsible for such unauthorized use or charges until you notify Stojaict. You must also adopt any steps necessary to prevent any further unauthorized use of your account or unauthorized charges. Stojaict shall have the right to terminate your account immediately, and you shall have no right to a refund of any service fees or charges, in the event you in any manner violate these Terms and Conditions or the Privacy Policy or any other applicable Stojaict policy, rule or conditions of use. While you may choose to terminate your account voluntarily at any time, you will not have a right to any refund of any service fees or charges


  1. USE OF ACCOUNT

(A) You and other users of Your Account must comply with all applicable laws and regulations in using all or any of our Services. You may not use any of our platform and services to perpetrate or further any of the causes and purposes hereinafter stated below:
(i)To impersonate or harass any other person
(ii)To send any information that is or the disclosure of which would be libelous, abusive threatening, false, fraudulent, misleading, or obscene; that misappropriates or infringes any person's proprietary right (including posting any links or URLs that you do not have including posting any links or URLs that you do not have the right to post or disclose.
(iii) That violates any person's rights of privacy or publicity, 
(iv)To send messages that contains any sexual, racist or discriminatory content constituting harassment any individual or organization. (v) That constitutes or that violates any law, statute, ordinance or regulation (including applicable export control, consumer protection, unfair competition, anti-discrimination or false advertising laws, and without limiting the foregoing you specifically agree to comply with all applicable laws regarding the transmission of the technical data exported from Nigeria or the country in which you reside; 
(vi)To intercept any communications not intended for you; 
(vii) to release, post, distribute or execute any viruses or other harmful computer code; or 
(viii) to upload, post, email, or otherwise transmit any content that infringes any patent, trademark, trade secret, copyright, or other proprietary rights of any party or 
(ix) to engage in "spamming," transmission of "junk mail" or "chain letters" or unsolicited mass distribution of e-mail or any similar conduct.
(x) After a successful registration, you may receive advertisements, promotions or similar messages on your mobile phone, personal computer or other similar device from Stojaict. A free SMS user may opt out from receiving similar marketing promotions; however, Stojaict reserves the right to terminate your use of the SMS service. To discontinue receiving from such promotional service, email us at This email address is being protected from spambots. You need JavaScript enabled to view it.

(B) User agrees that Stojaict may terminate User's Account and use of our SMS Service (and other Stojaict services) if Stojaict believes User has in any manner 
(i)Violated the terms and conditions of this Section 4
(ii) Terms and Conditions of as contained in this site or any others service offered by Stojaict. 
(iii)Provides Stojaict false, inaccurate r incomplete not current information or 
(iv) Violates any applicable law, regulation or rule of any state or country.


  1. PRIVACY

Stojaict recognizes that our users have legitimate concerns about privacy. By accepting this Agreement, you expressly consent to uses and disclosures of your personal information as enumerated in our Terms and Conditions and any of our policies which are incorporated herein by reference. User will own any personal user information or other registration information that User has given us as part of the registration process (your "Registration Information"). With respect to User's Registration Information, User agrees to grant Stojaict a non-exclusive, worldwide, perpetual, irrevocable, royalty-free, sub licensable (through multiple tiers) right to exercise the copyright and publicity rights you have in your Registration Information and any information You provide to Stojaict or other users within the publicly accessible areas of our Service or the Site, in any media now known or not currently known. Stojaict will only use your Registration Information in accordance with our Privacy Policy.


  1. DISCLAIMERS AND WARRANTIES

YOU UNDERSTAND AND AGREE THAT THE OUR SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. STOJAICT MAKES NO WARRANTY THAT HER SERVICES WILL MEET WITH YOUR REQUIREMENTS OR THAT USE OF THE SMS SERVICE OR THE SITE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; NOR DOES STOJAICT MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM USE OF THE SMS SERVICE OR THE ACCURACY, RELIABILITY OR TIMELINESS OF ANY INFORMATION OBTAINED THROUGH OUR BULK SMS SERVICE OR THAT ANY DEFECTS IN OUR SERVICES WILL BE CORRECTED. SIMPLY PUT, STOJAICT MAKES NO REPRESENTATION OF DELIVERY, RECEIPT OR TERMINATION OF AN SMS MESSAGE. USER ALSO ACKNOWLEDGES THAT, DEPENDING ON THE RECIPIENT'S MOBILE SERVICE PROVIDER, IT MAY NOT BE POSSIBLE TO TRANSMIT THE SMS MESSAGE TO THE RECIPIENT SUCCESSFULLY, PARTICULARLY IF THE PROVIDER DOES NOT SUPPORT SMS DELIVERY AT ALL. STOJAICT DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, REGARDING THE SMS SERVICE, INCLUDING ANY IMPLIED WARRANTY OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. YOU UNDERSTAND AND AGREE THAT ANY MATERIAL OR DATA OBTAINED THROUGH USE OF OUR BULK SMS SERVICE IS AT YOUR OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR RESULTS OBTAINED USING ANY SUCH MATERIAL OR DATA OR ANY RESULTING DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA. SOME STATES OR JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES. THEREFORE, THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU TO THAT EXTENT, AND NOTHING IN THIS SECTION SHOULD BE CONSTRUED AS EXCLUDING OR LIMITING ANY WARRANTY BEYOND WHAT IS PERMISSIBLE UNDER APPLICABLE LAW.


  1. LIMITATIONS ON LIABILITY

(A)STOJAICT SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR INCIDENTAL DAMAGES OF ANY NATURE, INCLUDING BUT NOT LIMITED TO, BUSINESS INTERRUPTION, LOSS OF PROFITS, BUSINESS INTERRUPTION LOSS OF DATA, INJURY TO GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF STOJAICT HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), RESULTING FROM USE OF OUR SERVICES BY YOU, OR ANYONE USING YOUR ACCOUNT, INCLUDING, BUT NOT LIMITED TO: 
(i) THE USE OR THE INABILITY TO USE THE SERVICE; 
(ii) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; 
(iii) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON OUR SITE OR  
(iv) ANY DAMAGES OR LOSS OF ANY NATURE ARISING FROM OR RELATING TO YOUR USE OF OUR SERVICE OR USE OF OUR BULK SMS SERVICE THROUGH YOUR ACCOUNT BY ANYONE ELSE.

(B) STOJAICT SHALL IN NO EVENT BE LIABLE TO THE USER OR ANYONE ELSE FOR ANY INACCURACY, ERROR OR OMISSION IN, OR LOSS, INJURY OR DAMAGE CAUSED IN WHOLE OR IN PART BY FAILURES, DELAYS OR INTERRUPTIONS OF THE SMS SERVICE GENERALLY, THE SITE, ANY OTHER STOJAICT SERVICE AND ANY ASPECT ANCILLARY THERETO;

(C) STOJAICT SHALL IN NO EVENT BE RESPONSIBLE FOR THE SECURITY OF THE DATA TRANSMISSIONS BETWEEN STOJAICT AND THE USER, INCLUDING BUT NOT LIMITED TO THE TRANSMISSION OF THE PAYMENT INFORMATION SUCH AS YOUR ACCOUNT PASSWORD OR CARD PAYMENT DETAILS. STOJAICT EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESSED, OR IMPLIED, FOR THE SECURITY OF THE DATA TRANSMISSION BETWEEN STOJAICT AND THE USER.

(D)STOJAICT TOTAL CUMULATIVE LIABILITY TO YOU AND ANYONE WHO USES OUR SERVICES OR SUBCRIBES TO ALL OR ANY OF OUR SERVICES THROUGH YOUR ACCOUNT, FOR ANY AND ALL CLAIMS UNDER ANY THEORY OF LAW (INCLUDING NEGLIGENCE), WILL NOT EXCEED THE AGGREGATE AMOUNT YOU PAID TO STOJAICT IN THE PRECEDING TWELVE MONTHS. SOME STATES OR JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN TYPES OF LIABILITY. THEREFORE, THE ABOVE LIMITATIONS OF LIABILITY MAY NOT APPLY TO YOU TO THAT EXTENT, AND NOTHING IN THIS SECTION SHOULD BE CONSTRUED AS EXCLUDING OR LIMITING STOJAICT LIABILITY BEYOND WHAT IS PERMISSIBLE UNDER APPLICABLE LAW.


  1. RELEASE AND INDEMNIFICATION

(A) In the event that you have a dispute with one or more users, you release Stojaict (and our officers, directors, agents, subsidiaries and employees) from claims, demands and damages (actual and consequential) of every kind and nature, known and unknown, suspected and unsuspected, disclosed and undisclosed, arising out of or in any way connected with such disputes and you waive any rights under any state or local law limiting the extent of such release.
(B) User agrees to defend, indemnify and hold harmless Stojaict and its subsidiaries, affiliates, officers, directors, agents, attorneys and employees from and against any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of User's breach of this Agreement, User violation of any law or the rights of a third party, the content User submits, posts or transmits through our Site, or Your use of the SMS Service.


  1. TERMINATION OF ACCOUNT

You may terminate Your Account, at any time and for any reason or no reason, by contacting STOJAICT customer service at This email address is being protected from spambots. You need JavaScript enabled to view it.. Notifying STOJAICT in any other way of your desire to terminate your Account may result in delays in processing your request. STOJAICT, in its sole discretion, may immediately terminate or suspend Your password, account (or any part thereof) or use of the SMS Service, for any reason, including, without limitation, for lack of use or if Stojaict believes that You have violated, acted inconsistently with this Agreement. Stojaict reserves the right to terminate Your Account and this Agreement for any other reason if Stojaict gives You at least ten (5) days advance notice. Upon any such termination of Your Account, You will remain obligated to pay all outstanding fees and charges relating to Your use of any of our Services or SMS Service before termination. You agree that any termination of Your access to our Services under any provision of this Agreement may be effected without prior notice, and acknowledge and agree that Stojaict may immediately deactivate or delete Your account and all related information and files in Your account and/or bar any further access to such files or the Service. Further, you agree that Stojaict shall not be liable to You or any third-party for any termination of Your Account.


  1. LINKS

We may in the furtherance of availing you recent development or trends in the industry provide, or third parties may provide, links to other websites or resources. User agrees that Stojaict is not responsible for the availability of such external sites or resources, and does not endorse and is not responsible or liable for any content, advertising, products, or other materials on or available from such sites or resources. You further acknowledge and agree that Stojaict shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such site or resources.


  1. INTELLECTUAL PROPERTY RIGHTS

You acknowledge and agree that our website contains proprietary and confidential information that is protected by applicable intellectual property and other laws. You further acknowledge and agree that as a result of use of Our Services, You may have access to or receive information or content protected by copyrights, trademarks, service marks, patents or other proprietary rights and laws ("intellectual property rights"). Except as expressly authorized, You agree not to violate the intellectual property rights of Stojaict or any third party.


  1. GOVERNING LAW; ARBITRATION

The laws of the Federal Republic of Nigeria shall govern all matters relating to this Agreement and use of our SMS Portal and Services. The United Nations Convention on contracts for the international sale of goods is expressly disclaimed. Any controversy or dispute arising out of this Agreement, the interpretation of any provision hereof, or the action or inaction of any party hereto shall be submitted to arbitration in Nigeria, in accordance with the International Arbitration Rules of the American Arbitration Association (the "AAA International Rules") then in effect, conducted by one arbitrator either mutually agreed upon by the parties to this Agreement or chosen in accordance with the AAA International Rules. Each party shall have no longer than three (3) days to present its position. Either party may apply to the arbitrator seeking injunctive relief until the arbitration award is rendered or the controversy is resolved. Either party may also, without waiving any remedy under this Agreement, seek any interim or provisional relief that is necessary to protect the rights or property of that party pending the establishment of the arbitral tribunal (or pending the arbitral tribunal's determination of the merits of the controversy) and for the purposes of seeking such interim relief User shall consent to the exclusive jurisdiction of the courts of Nigeria. Any award or decision obtained from any such arbitration proceeding shall be final and binding on the parties, and judgment upon any award thus obtained may be entered in any court having jurisdiction thereof. The parties agree that the arbitrator shall have the power to award damages and injunctive relief.


  1. MISCELLANEOUS

If any provision of this Agreement is invalid or unenforceable under applicable law, such provision will be deemed modified to the extent necessary to render such provision valid and enforceable and the other provisions of this Agreement will remain in full force and effect. This document and the pages referred to herein represent the entire agreement governing use of our Services and supersede any prior or contemporaneous written or oral statements by Stojaict or its representatives or resellers. The failure of Stojaict to exercise or enforce any right or provision of this Agreement shall not constitute a waiver of such right or provision. The section titles in this Agreement are for convenience only and have no legal or contractual effect. Stojaict may assign this Agreement in accordance with the sale of all or substantially all of its stock or membership interest or all or substantially all of its assets to a third party.


REVIEW OF OUR TERMS AND CONDITIONS

Please periodically review our Privacy Policy and the Conditions of Use for changes. YOU ARE RESPONSIBLE FOR REGULARLY REVIEWING THE STOJAICT WEBSITE TO OBTAIN TIMELY NOTICE OF SUCH MODIFICATIONS. YOU SHALL BE DEEMED TO HAVE ACCEPTED SUCH MODIFICATIONS BY CONTINUING TO USE THE SERVICES AFTER SUCH MODIFICATIONS HAVE BEEN POSTED OR INFORMATION REGARDING SUCH MODIFICATIONS HAS BEEN SENT TO YOU. If at any time you are uncomfortable with any change, amendment or modification to the Privacy Policy or Conditions of Use and wish to cancel your membership, please notify Stojaict at This email address is being protected from spambots. You need JavaScript enabled to view it. and type the word remove in the subject.