Important Notice

The information provided on the Instant Payments Namibia (IPN) website is for general informational purposes only. While we strive to provide accurate and up-to-date information, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information, products, services, or related graphics contained on the website.

1. General Information Disclaimer

The content on this website is provided for informational purposes and should not be construed as:

• Financial, legal, or professional advice
• An offer or solicitation to enter into any transaction
• A recommendation or endorsement of any financial product or service
• A guarantee of service availability or performance

Users should seek appropriate professional advice before making decisions based on information found on this website.

2. No Warranties

IPN provides this website and all information "as is" without any warranties of any kind, whether express or implied. We specifically disclaim:

• Accuracy: We do not warrant that the information is accurate, complete, or current
• Reliability: We do not guarantee the reliability or availability of the website or services
• Fitness for Purpose: We make no warranties regarding the fitness of the information or services for any particular purpose
• Non-Infringement: We do not warrant that the content does not infringe third-party rights
• Error-Free: We do not guarantee that the website will be free from errors, viruses, or harmful components

3. Limitation of Liability

To the fullest extent permitted by law, IPN, its officers, directors, employees, partners, and affiliates shall not be liable for:

• Any direct, indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or use
• Business interruption or loss of business opportunities
• Damages arising from your access to or use of (or inability to access or use) this website
• Damages resulting from reliance on information provided on this website
• Damages caused by errors, omissions, or inaccuracies in the content

This applies regardless of whether such damages are based on warranty, contract, tort, statute, or any other legal theory, and whether or not IPN has been advised of the possibility of such damages.

4. External Links Disclaimer

This website may contain links to external websites operated by third parties. IPN has no control over the content, privacy policies, or practices of third-party websites and assumes no responsibility for them.

The inclusion of any link does not imply endorsement, approval, or recommendation by IPN. You access external websites at your own risk, and we recommend reviewing the terms and privacy policies of any external site you visit.

5. Technical Information Disclaimer

Technical information, specifications, and documentation provided on this website are subject to change without notice. While we make reasonable efforts to ensure technical accuracy:

• Technical specifications may be updated or modified
• Implementation details may vary based on specific requirements
• Platform capabilities may evolve over time
• Integration requirements should be confirmed with IPN technical team

6. Regulatory and Compliance Disclaimer

While IPN operates under the regulatory mandate of the Bank of Namibia:

• Regulatory requirements are subject to change
• Participants are responsible for maintaining their own regulatory compliance
• Information on this website does not constitute regulatory guidance
• Users should consult directly with regulatory authorities for official requirements
• Participation in the IPN platform does not guarantee regulatory approval for other activities

7. Service Availability Disclaimer

We strive to maintain high service availability, but we do not guarantee:

• Uninterrupted access to the website or platform
• That the service will meet specific performance requirements
• That the platform will be available at all times
• Freedom from errors, bugs, or security vulnerabilities

Service may be interrupted for maintenance, upgrades, emergencies, or circumstances beyond our control. We reserve the right to suspend or modify services without liability.

8. Financial Information Disclaimer

Any financial information, pricing, or cost estimates provided on this website are for general guidance only and should not be relied upon as:

• Binding offers or commitments
• Final pricing for services
• Financial advice or recommendations
• Tax, accounting, or investment guidance

Actual costs, fees, and financial terms are subject to formal agreements and may vary based on specific circumstances.

9. Content Updates and Changes

IPN reserves the right to:

• Update, modify, or remove any content on this website at any time without notice
• Change features, functionality, or design of the website
• Discontinue any aspect of the website or services
• Correct errors or inaccuracies in content

We are not obligated to update information, and the presence of outdated information does not constitute negligence.

10. User Responsibility

Users of this website are responsible for:

• Verifying the accuracy of any information before relying on it
• Seeking professional advice when making important decisions
• Ensuring compliance with applicable laws and regulations
• Maintaining the security of their access credentials
• Using the website and services in accordance with our Terms and Conditions

11. Intellectual Property Disclaimer

All trademarks, logos, and service marks displayed on this website are the property of IPN or their respective owners. Nothing on this website should be construed as granting any license or right to use any trademark without prior written permission.

12. Jurisdictional Disclaimer

The content on this website is provided for users in Namibia and may not be appropriate for use in other jurisdictions. Users accessing the website from other locations do so at their own risk and are responsible for compliance with local laws.

13. Questions and Contact

If you have questions about this disclaimer or need clarification on any matter, please contact us: