FLIGHTPADI TERMS OF SERVICE

1. Introduction

Welcome to Flightpadi! These Terms of Service (“Terms”) govern your access to and use of the Flightpadi website (the “Website”), mobile application (if applicable), and all services offered by Flightpadi (“Services”). Flightpadi is a travel agency based in Nigeria, offering a comprehensive range of travel services, including flight bookings, visa application assistance, flight refund application assistance, vacation packages, and hotel bookings. We provide these services through our website, and also via messaging channels such as WhatsApp, as well as through email communication and phone calls with our customer service agents.

The information and materials provided on the Flightpadi website are for informational purposes only and do not constitute legal, financial, or professional advice. Your use of the Website or Services does not create any employer-employee, joint venture, shareholder, memorandum of understanding, or partnership relationship between you and Flightpadi.

By accessing or using our Website or Services (whether through our website, messaging platforms, or any other channel), you (“you” or “User”) agree to be bound by these Terms. Please read them carefully. If you do not agree to these Terms, you must not access or use our Website or Services.

2. Definitions

For the purposes of these Terms, the following definitions apply:

  • “Flightpadi,” “We,” “Us,” “Our” refers to Flightpadi, a travel agency established and operating under the laws of the Federal Republic of Nigeria, with its registered address at [Insert your registered business address].
  • “User,” “You” refers to any individual or entity accessing or using the Flightpadi Website or Services, whether through the website, mobile application (if applicable), messaging platforms, email, phone, or any other channel.
  • “Services” refers to all travel-related services offered by Flightpadi, including but not limited to flight booking, visa application assistance, flight refund application assistance, vacation packages, and hotel booking.
  • “Website” refers to the Flightpadi website, accessible at [Insert Your Website Address].
  • “Booking” refers to the reservation of any travel service, such as a flight, hotel room, or vacation package, through Flightpadi, whether made via the website, messaging platforms, email, or phone.
  • “Travel Provider” refers to any third-party entity providing travel services, such as airlines, hotels, and tour operators.
  • “Package Holiday” refers to a pre-arranged combination of at least two of the following: (a) transport; (b) accommodation; (c) other tourist services, when sold or offered for sale at an inclusive price and when the service covers a period of more than twenty-four hours or includes overnight accommodation. 
  • “Force Majeure” means any event beyond Flightpadi’s reasonable control, including, without limitation, acts of God, war, insurrection, riot, civil commotion, acts of terrorism, earthquake, flood, fire, storm, pandemic, epidemic, or other natural disaster, any law, order regulation, direction, action, or request of the government, or any other event or circumstances, whether similar or dissimilar, which would make it illegal or impossible to provide the services that are the subject of these terms and conditions.
  • “Messaging Platforms” refers to third-party messaging services, such as WhatsApp, used by Flightpadi to communicate with Users and provide Services.
  • “Account” refers to the user account that may be created on the Flightpadi Website or mobile application.

3. Eligibility

To access and use the Flightpadi Website and Services, you must meet the following eligibility requirements:

  • Age: You must be at least eighteen (18) years old. By using our Services, you represent and warrant that you are at least 18 years old and have attained the age of majority in your country.
  • Legal Capacity: You must have the full legal capacity to enter into a binding contract under the laws of the Federal Republic of Nigeria and any other applicable jurisdiction. This means you must be of sound mind and not under any legal disability that would prevent you from understanding and agreeing to these Terms.
  • Authority: If you are using the Services on behalf of a company or other legal entity, you represent and warrant that you have the authority to bind that entity to these Terms. In that case, “you” and “your” will refer to that entity.  
  • Compliance: You represent and warrant that your use of our services complies with all laws and regulations applicable to you and that you have obtained the necessary licenses and permits, if any is required.

4. Use of the Website and Services

4.1 Account Creation and Use of Messaging Channels:

You may choose to create an account on our web app to access certain features and streamline the booking process. However, account creation is not mandatory. We also offer our Services through various messaging channels, including but not limited to WhatsApp, as well as through email and phone calls with our customer service representatives. To use our Services through these channels, you may be required to provide personal information relevant to your travel needs.

  • If you choose to use our messaging channels, email, or phone: You agree to provide accurate and complete information as requested by our representatives to facilitate the provision of our Services. You acknowledge that communication through these channels is subject to the terms and conditions and privacy policies of the respective platform providers (e.g., WhatsApp). You also acknowledge that while we take reasonable measures to ensure the security of communications, we cannot guarantee the absolute security of information transmitted through these channels.
  • If you choose to create an account: You are responsible for providing accurate and complete information during registration and for maintaining the confidentiality of your account credentials. You are responsible for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account or any other breach of security.  

4.2 Prohibited Activities:

You agree not to use the Website, Services, or any of our communication channels, including messaging platforms, email, or phone, for any unlawful or prohibited purpose. Prohibited activities include, but are not limited to:

  • Violating any applicable federal, state, or local law or regulation of the Federal Republic of Nigeria.
  • Infringing upon the intellectual property rights of Flightpadi or any third party.
  • Transmitting any harmful or disruptive code, such as viruses or malware.
  • Attempting to gain unauthorized access to our systems or networks.
  • Interfering with or disrupting the Website or Services or servers or networks connected to the Website or Services.
  • Engaging in any fraudulent or deceptive activity.
  • Harassing, abusing, or threatening any other user or Flightpadi employee.
  • Using the website for any commercial purpose without prior written authorization from Flightpadi.
  • Impersonating a Flightpadi representative or attempting to mislead other users through our messaging channels, email, or phone.
  • Sending unsolicited commercial messages or spam through our messaging channels, email, or phone.
  • Sharing or soliciting sensitive information, such as full credit card details, through unsecure messaging channels unless specifically and securely facilitated by our representatives using secure payment links.

4.3 Website Content and Intellectual Property:

The content on the Website, including text, graphics, logos, images, and software, is the property of Flightpadi or its licensors and is protected by Nigerian and international copyright, trademark, and other intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to access and use the Website for personal, non-commercial purposes only. You may not copy, modify, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any content obtained from the Website without the prior written consent of Flightpadi.

5. Booking and Payment

5.1 Booking Process:

Flightpadi acts as an intermediary between you and Travel Providers. When you make a Booking through our Website, via messaging channels, email, or phone, you are entering into a contract directly with the relevant Travel Provider(s). We will provide you with details of the Travel Provider’s terms and conditions, which will apply in addition to these Terms. You are responsible for carefully reviewing those terms and conditions before completing your Booking.

5.2 Pricing and Payment:

All prices displayed on our Website or communicated through our official messaging channels, email, or phone are primarily in Nigerian Naira (NGN) or US Dollars (USD), unless otherwise stated. Prices are subject to change at any time without notice. We accept various payment methods, as indicated on the Website or communicated through our other channels. You agree to pay all charges associated with your Booking, including the price of the travel services, applicable taxes, and any service fees charged by Flightpadi. By providing your payment information through our website or approved secure payment links sent through our official channels, you authorize us to charge the applicable amount to your chosen payment method. If you choose to pay in another currency, there may be currency conversion fees charged by your bank or payment provider.

5.3 Booking Confirmation:

After you complete a Booking and payment is successful, we will send you a confirmation email or message containing the details of your Booking. This serves as confirmation of your reservation. You are responsible for providing accurate and complete information during the booking process, including but not limited to your name, contact details, travel dates, and passport information. Any errors or discrepancies arising from inaccurate information provided by you may result in additional fees, delays, or even cancellation of your booking by the Travel Provider, for which Flightpadi will not be held responsible. Please review the confirmation carefully and contact us immediately if there are any errors.

5.4 Cancellations, Amendments, and Refunds:

Cancellation and amendment policies vary depending on the Travel Provider and the specific service booked. We may communicate the applicable policies to you during the booking process. You are responsible for understanding these policies before confirming your Booking. Flightpadi charges service fees for processing bookings, cancellations, and amendments. Due to the nature of our done-for-you service, where our team dedicates time and resources to each booking, these service fees are non-refundable, regardless of whether a booking is canceled or amended by you or the Travel Provider. Refunds, if applicable, will be processed in accordance with the Travel Provider’s policies. We will assist you in requesting refunds from Travel Providers, but we do not guarantee that a refund will be granted. Please note that any refund from a Travel Provider will be separate from Flightpadi’s non-refundable service fees.

5.5 Visa Application Assistance:

Flightpadi provides visa application assistance as part of its Services. While we strive to provide accurate information and support, we do not guarantee the success of any visa application. We do not have any special agreements or deals with any embassy or consulate that would influence the outcome of your visa application. The decision to grant or deny a visa is solely at the discretion of the relevant embassy or consulate. You are responsible for providing accurate and complete information for your visa application. Flightpadi will not be liable for any delays, rejections, or other issues related to your visa application. Our service fees, as mentioned in Section 5.4, are applicable for this assistance and are non-refundable, regardless of the outcome of the visa application.

5.6 Flight Refund Application Assistance:

Flightpadi provides flight refund application assistance as part of its Services. We do not have any special agreements or deals with airlines that guarantee refunds. We will use our best efforts to help you obtain a refund from the airline, subject to the airline’s policies and applicable regulations. Our role is to assist you in the refund application process by preparing and submitting the necessary documentation, and following up with the airline through emails, calls, and other appropriate communication channels. However, we do not guarantee that a refund will be successful, as the final decision rests solely with the airline. Flightpadi will not be liable for any unsuccessful refund applications. Our service fees, as mentioned in Section 5.4, are applicable for this assistance and are non-refundable, regardless of the outcome of the refund application.

6. Travel Insurance

Flightpadi strongly recommends that you purchase comprehensive travel insurance to cover your trip. Travel insurance can provide protection against unforeseen events such as trip cancellations, medical emergencies, lost baggage, and other travel-related risks.

While Flightpadi may offer information about travel insurance options or facilitate the purchase of travel insurance through third-party providers, we do not issue insurance policies ourselves. We do not act as an insurer, and any contract for insurance will be between you and the insurance provider.

You are responsible for carefully reviewing the terms and conditions, coverage details, exclusions, and claims procedures of any travel insurance policy you purchase. Flightpadi will not be liable for any disputes or claims arising between you and your travel insurance provider.

If you choose to purchase travel insurance through a link provided on our website or by our agents, we may receive a commission from the insurance provider. This does not affect the cost of the insurance to you.

7. Passports, Visas, and Health Requirements

You are solely responsible for ensuring that you have a valid passport, obtain any necessary visas, and comply with all health requirements for your destination(s).

  • Passport Validity: Your passport must be valid for the required period as stipulated by your destination country. It is your responsibility to check the specific passport validity requirements for your destination before you travel.
  • Visa Requirements: You are responsible for determining whether you need a visa to enter your destination country and for obtaining the visa in advance of your travel. Visa requirements vary depending on your nationality and the purpose of your trip.
  • Health Requirements: You are responsible for complying with all health requirements and recommendations for your destination, including vaccinations, prophylactic medications, and other health precautions. You should consult with your doctor or a travel health specialist for up-to-date information on health requirements.

Flightpadi may provide general information about passport, visa, and health requirements for common destinations on our website or through our communication channels. Additionally, we may, at your request and on your behalf, contact embassies or consulates to obtain information about visa requirements. However, any such information provided by Flightpadi, whether obtained from our own resources or from an embassy/consulate, is for informational purposes only and should not be considered definitive or exhaustive. We do not guarantee the accuracy or completeness of information provided by third parties, including embassies and consulates. It is your responsibility to verify the most current and accurate information directly from the relevant embassy, consulate, or health authorities before taking any action, such as booking travel or submitting a visa application.

Flightpadi will not be liable for any expenses, delays, cancellations, or other issues arising from your failure to comply with passport, visa, or health requirements. This includes, but is not limited to, being denied entry to a country, being denied boarding on a flight, or contracting an illness due to non-compliance with health recommendations. Furthermore, we will not be liable for any consequences arising from your reliance on information we have obtained from an embassy or consulate, as you are ultimately responsible for verifying this information independently.

8. Limitation of Liability

8.1 Agency’s Role: Flightpadi acts as an agent for disclosed principal Travel Providers and is not liable for the acts, errors, omissions, representations, warranties, breaches, or negligence of any such Travel Providers or for any personal injuries, death, property damage, or other damages or expenses resulting therefrom. Flightpadi has no special relationship with or fiduciary duty to you in connection with your travel arrangements, other than as expressly set out in these terms. Flightpadi has no control over, and is not responsible for, the conduct of third party suppliers or operators.  

8.2 Force Majeure: Flightpadi shall not be liable for any failure or delay in performing its obligations under these Terms if such failure or delay is caused by Force Majeure.  

8.3 Disclaimer of Warranties: The Website and Services are provided “as is” and “as available” without any warranties of any kind, either express or implied. Flightpadi disclaims all warranties, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Website or Services will be uninterrupted, error-free, secure, or free from viruses or other harmful components.  

8.4 Limitation of Damages: To the maximum extent permitted by Nigerian law, Flightpadi shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from

  1. your access to or use of or inability to access or use the Website or Services;
  2. any conduct or content of any third party on the Website or Services, including without limitation, any defamatory, offensive, or illegal conduct of other users or third parties;
  3. any content obtained from the Website or Services; or
  4. unauthorized access, use, or alteration of your transmissions or content.  

8.5 Maximum Liability: In no event shall Flightpadi’s aggregate liability for all claims relating to the Services exceed the amount paid by you to Flightpadi for the specific service giving rise to the claim.

8.6 No liability for events outside our control: Flightpadi is not liable for delay or failure to perform any of its obligations under these terms and conditions insofar as the performance of such obligations is prevented or hindered by any event or circumstance whatsoever not reasonably within Flightpadi’s control (including, without limitation, the matters constituting Force Majeure as set out above).

9. Indemnification

You agree to indemnify, defend, and hold harmless Flightpadi, its officers, directors, employees, agents, and affiliates, from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to:  

  • (a) your access to or use of the Website or Services;
  • (b) your violation of these Terms;
  • (c) your violation of any rights of a third party, including but not limited to intellectual property rights, privacy rights, or contractual rights;
  • (d) any content you submit, post, transmit, or otherwise make available through the Website or Services;
  • (e) your violation of any applicable laws or regulations;
  • (f) any misrepresentation made by you to us or any third party in connection with the services;
  • (g) any other party’s access and use of the service with your unique username, password, or other appropriate security code (if you have an account with us).

10. Governing Law, Dispute Resolution, and Other Clauses

  • 10.1 Governing Law: These Terms shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria, without regard to its conflict of law principles.
  • 10.2 Jurisdiction and Venue: The courts of the Federal Republic of Nigeria shall have exclusive jurisdiction and venue over any dispute arising out of or relating to these Terms or your use of the Website or Services, and each party hereby consents to the jurisdiction and venue of such courts.
  • 10.3 Limitation Period for Claims: Any cause of action or claim you may have arising out of or relating to these Terms or your use of the Website or Services must be commenced within six (6) months after the cause of action accrues, otherwise, such cause of action or claim is permanently barred.  
  • 10.4 Severability: If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such invalidity, illegality, or unenforceability shall not affect the validity, legality, or enforceability of the remaining provisions, which shall remain in full force and effect. The invalid, illegal, or unenforceable provision shall be deemed modified to the minimum extent necessary to make it valid, legal, and enforceable, while preserving to the fullest extent possible the intent of the original provision.  
  • 10.5 Entire Agreement: These Terms, together with the Privacy Policy and any other legal notices published by Flightpadi on the Website or communicated through our official channels, shall constitute the entire agreement between you and Flightpadi concerning your use of the Website and Services. This entire agreement supersedes all prior or contemporaneous communications and proposals, whether electronic, oral, or written, between you and Flightpadi with respect to the Website and Services. Except in relation to statements made fraudulently, each party agrees that it shall have no remedy in respect of any untrue statement made to them upon which they relied in entering into these terms and conditions.  
  • 10.6 Reservation of Rights: All rights not expressly granted herein are reserved by Flightpadi.

11. Changes to Terms and Conditions

Flightpadi reserves the right to modify these Terms at any time in our sole discretion. If we make material changes to these Terms, we will post the updated Terms on the Website and update the “Effective Date” at the top of this page. We may also notify you of such changes via email, through our messaging channels, or through other means reasonably calculated to reach you.

Your continued use of the Website or Services after the effective date of any changes constitutes your acceptance of the revised Terms. If you do not agree to the revised Terms, you must stop using the Website and Services.  

It is your responsibility to review these Terms periodically for any changes.

12. Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such invalidity, illegality, or unenforceability shall not affect the validity, legality, or enforceability of the remaining provisions, which shall remain in full force and effect. The invalid, illegal, or unenforceable provision shall be deemed modified to the minimum extent necessary to make it valid, legal, and enforceable, while preserving to the fullest extent possible the intent of the original provision.

13. Entire Agreement

These Terms, together with the Privacy Policy and any other legal notices, addendums, or additional terms and conditions published by Flightpadi on the Website or communicated to you through our official channels (including but not limited to messaging platforms, email, or phone), shall constitute the entire agreement between you and Flightpadi concerning your use of the Website and Services. This entire agreement supersedes all prior or contemporaneous communications, representations, understandings, and proposals, whether electronic, oral, or written, between you and Flightpadi with respect to the Website and Services. Except in relation to statements made fraudulently, each party agrees that it shall have no remedy in respect of any untrue statement made to them upon which they relied in entering into these terms and conditions. No other document, course of dealing, advertising or marketing material shall form part of the contract between you and Flightpadi, unless expressly agreed to in writing by Flightpadi.

14. Contact Information

If you have any questions about these Terms or the Flightpadi Website or Services, please contact us at:

Flightpadi

You can also reach us through the “Contact Us” form on our website.

15. Information You Submit

15.1 Accuracy and Legality: You represent and warrant that any information you submit to Flightpadi through the Website, messaging platforms, email, phone, or any other communication channel, including but not limited to, your name, contact details, travel information, and payment information (“Submitted Information”), is true, accurate, complete, and current. You further represent and warrant that you have the right to provide such Submitted Information to Flightpadi and that doing so does not violate any applicable laws, regulations, or third-party rights. You will take all reasonable steps to ensure that the Submitted Information is free from any known computer viruses or other contaminants, including but not limited to any code or instructions that may be used to modify, damage, or compromise the security of this Website or Flightpadi’s computer systems or networks.

15.2 License to Submitted Information and Use of Your Name: By submitting information to Flightpadi, you grant Flightpadi a non-exclusive, worldwide, royalty-free, perpetual, irrevocable, and sublicensable right to use, reproduce, modify, adapt, translate, distribute, publish, create derivative works from, and publicly display such Submitted Information in any media, now known or hereafter devised, in connection with the provision of the Services and the operation of our business. You also agree that Flightpadi may use the name that you submit in connection with such Submitted Information. This includes, but is not limited to, sharing your information with Travel Providers to facilitate bookings, using your information to communicate with you about your travel arrangements, and using anonymized and aggregated data for analytical purposes. Flightpadi may choose to provide attribution of your comments or reviews (for example, listing your name and hometown on a hotel review that you submit) at our discretion, and that such submissions may be shared with our supplier partners.

15.3 Prohibited Information: You agree not to submit any information that is unlawful, publicly defamatory, libelous, obscene, pornographic, indecent, harassing, threatening, invasive of privacy or publicity rights, abusive, inflammatory, fraudulent, or otherwise objectionable. You further agree not to transmit to or from this Website or post any publicly unlawful contents and materials, obscene, pornographic, and defamatory or other material or contents and any acts of commercialization.  

15.4 Responsibility for Submitted Information and Indemnification: You are solely responsible for the Submitted Information you provide to Flightpadi. You shall indemnify and render Flightpadi harmless against any claims, suits, proceedings, expenses of any type whatsoever, brought against Flightpadi in connection with infringement of third parties’ rights in respect of the Submitted Information. Flightpadi takes no responsibility and assumes no liability for any Submitted Information posted or submitted by you. We have no obligation to post your comments; we reserve the right in our absolute discretion to determine which comments are published on the Website. If you do not agree to these terms and conditions, please do not provide us with any Submitted Information and you agree not to take any action against Flightpadi in relation to the use of such Submitted Information.

15.5 Feedback: If you provide Flightpadi with any feedback, suggestions, or ideas regarding the Website or Services (“Feedback”), you hereby assign to Flightpadi all rights, title, and interest in and to such Feedback, and Flightpadi shall be free to use such Feedback for any purpose without any obligation or compensation to you.

15.6 Right to Pursue Violations: You further grant Flightpadi the right to pursue at law any person or entity that violates your rights or Flightpadi’s rights in the Submitted Information by a breach of these Terms and Conditions.

16. Disclaimer

Flightpadi strives to provide useful, accurate, and timely information on this Website and through its Services. However, Flightpadi makes no representations or warranties of any kind, express or implied, as to the operation of the Website or the quality, accuracy, efficacy, completeness, performance, fitness for a particular purpose, or timeliness of the information, content, materials, or services included on the Website or otherwise made available to you through the Services, including (but not limited to) any price quotes or representations contained within the Site. Flightpadi assumes no responsibility for the consequences of any errors or omissions in connection with this website, its contents and materials.

To the fullest extent permissible by applicable law, Flightpadi disclaims and excludes all warranties and liabilities of any kind, either express or implied, including but not limited to, warranties of merchantability, fitness for a particular purpose, non-infringement of intellectual property, or arising from a course of dealing, usage, or trade practice.

Flightpadi will not be liable for any damages of any kind arising from the use of or inability to use the Website or Services, including, but not limited to, direct, indirect, incidental, punitive, special, consequential damages, or damages for any loss of business opportunities, projects, profits, revenue, data, or goodwill, howsoever arising and whether in contract, tort, or otherwise.

Without limiting the foregoing, Flightpadi specifically disclaims any responsibility for:

  • The accuracy, completeness, or timeliness of any information provided on the Website or through the Services, including but not limited to information about Travel Providers, flight schedules, fares, hotel accommodations, visa requirements, health requirements, and currency exchange rates. Currency rates, if displayed on the Website, are for reference purposes only and should not be relied upon as definitive. You are advised to verify current exchange rates with a qualified professional before making any financial decisions.
  • The acts, errors, omissions, representations, warranties, breaches, or negligence of any Travel Providers or other third parties, or for any personal injuries, death, property damage, or other damages or expenses resulting therefrom.  
  • Any delays, cancellations, strikes, force majeure events, or other causes beyond Flightpadi’s direct control.
  • The suitability, reliability, availability, timeliness, and accuracy of the information, software, products, services, and related graphics contained on the Website for any purpose.  
  • Any material in the form of information, price quotes or representations submitted by third parties.
  • Content of the information or materials on the website which may be out of date. Information and opinions expressed in bulletin boards or other forums are not necessarily those of Wakanow.

We make no warranty that the contents of the Site are free from infection by viruses or anything else which has contaminating or destructive properties and shall have no liability in respect thereof as we do not have control over the contents of such websites.

ALL INFORMATION AND MATERIALS AVAILABLE ON THIS WEBSITE ARE PROVIDED “AS IS” WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. IN NO EVENT SHALL FLIGHTPADI BE LIABLE FOR ANY DAMAGES WHATSOEVER ARISING OUT OF THE USE, INABILITY TO USE, OR THE RESULTS OF USE OF THIS WEBSITE, ANY WEBSITES LINKED TO THIS WEBSITE, OR THE MATERIALS OR INFORMATION CONTAINED AT ANY OR ALL SUCH WEBSITES, WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY AND WHETHER OR NOT ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IF YOUR USE OF THE MATERIALS OR INFORMATION ON THIS WEBSITE RESULTS IN THE NEED FOR SERVICING, REPAIR, OR CORRECTION OF EQUIPMENT OR DATA, YOU ASSUME ALL COSTS THEREOF.

Flightpadi may change the content of any information or materials available at this website, or to the products described in them, at any time without notice to you.