1. IN LINE WITH THESE DIRECTIVES

It is important that you read each of these usage guidelines. You agree that you have read, understood, and accepted these Terms of Use by signing up for or using any part of the Mkonopesa service (the "Service"). These phrases are used to provide users with a contract as well as a financial service. If you disagree with the Terms of Use, you are not allowed to access any part of the Service. Between Mkonopesa (henceforth referred to as "We," "Us," or "Our") and you, a single user ("You" or "Your"), this document acts as a contract.

2. I ACCEPT THESE CONDITIONS

2.1 Please read the Terms of Use before downloading, using, or making an account with us. We update them regularly. The way the app and your account function is governed by these guidelines.

2.2 Verify that you have read, comprehended, and accepted the Terms of Use after downloading the program. By selecting "Accept," you accept these conditions. You agree to the terms and conditions for using the account when you download the app and create an account. Any further legal rights we may have in relation to the account are unaffected by these terms.

2.3 By using the service, you agree to any changes we may make to these terms at any time. We'll do our best to keep you updated.

2.4 By utilizing the app or services, you consent to our gathering and use of technical data about your mobile device for the purpose of delivering wireless or internet services. This data aids in the enhancement of both your experience and our offerings. By using the service and app, you give us, our partners, and approved third parties permission to gather, store, and use your information.

3.THE THINGS YOU HAVE TO DO AND THE PROMISES YOU MAKE

You understand and agree to the following by signing this document:

3.1 You have the entire capacity and authorization to accept these Terms of Use, to be legally obligated by them, and to carry out the obligations set forth in them.

3.2 You agree to strictly abide by these rules and all applicable laws, and to tell us as soon as you discover any violations of these agreements.

3.3 You understand that you shall only use the System and the Service for authorized purposes and in compliance with their intended purpose. Furthermore, lying, cheating, or being dishonest are all severely forbidden.

3.4 You are in charge of making sure that the credentials, papers, or personal data you or your agents give us are true, correct, up to date, and comprehensive.

4. CURRENT USE OF THE SERVICE?

4.1 Only those who are at least eighteen years old are eligible to use our service.

4.2 The application will let you know if your request for an account has been granted. By agreeing to this, you understand that there is no legal connection formed between you and the other party as a result of your account application being approved.

4.3 In order to decide whether to approve, refuse, or alter the terms of a loan, we are permitted to review your credit history. The application for the loan will show the terms and interest rate.

4.4 In accordance with our own evaluation, we reserve the right to reject or terminate your loan request at any time and without giving a reason.

5. SYSTEM USE AUTHORITY AND RESTRICTIONS

5.1 By using the System, You are authorized to access the Service that We have offered for personal use. This permission is temporary, unrestricted, and free.

5.2 Any rights not expressly granted to you in these Terms of Use are reserved by us and the people who allowed us to use their work. You are not allowed to own or keep any part of the System, as stated in these Terms of Use.

5.3 Using the System to do any of the following is forbidden:

5.3.1 Give permission for the System to be used, shared, sold, transferred, or given to other people for commercial use.

5.3.21 Replicating the system should not be done to make a product that is similar to it, use its concepts or features, or flood it with too many requests that could make it sluggish to operate. Moreover, making unauthorized attempts to access the system or other systems or networks.

5.3.3 Share or keep any information for dishonest or misleading uses.

5.3.4 Don't disrupt or tamper with the system, send unsolicited messages like spam, or make fictitious reservations.

5.3.5 It is against the law to distribute or keep any content that is harmful, offensive, or illegal.

5.3.6 It is against the law to send harmful computer viruses, worms, or trojan horses.

5.3.71 May cause problems or disturbances to the information included in the system or its operation.

5.3.8 In any way could jeopardize our standing or the standing of any associated companies.

6. YOU ARE IN CHARGE OF PARTICULAR ACTIVITIES

6.1 It is your duty to guarantee the security and proper operation of your mobile device. You are in charge of any related costs, and the system and service must operate correctly.

6.2 You are in charge of making sure your phone is operating correctly. We disclaim all liability for any problems that might occur in the event that your phone breaks down. This includes viruses on computers and other problems that can come up when using our service, system, or mobile device. We are not liable for any losses or delays caused by your internet provider. Instead, you are going to be responsible for any costs that the service provider may charge.

6.3 The application will be accessible on your phone. It is imperative that you make sure your smartphone has the right application installed. If you do not have the latest version of the app loaded on your phone or if it is not compatible with your device, we will not be held responsible.

6.4 You are responsible for choosing and funding a sufficient phone and internet plan that includes text message, internet, and phone data charges from your mobile carrier. It is important to understand that you will be responsible for the system's utilization and any related costs, and that you might need a large amount of data.

6.5When using the System and the Service, it is your duty to follow the guidelines and instructions provided in the Terms of Use and any other papers we send you.

7. DESCRIPTION OF YOURSELF

7.1 As an App user, you must create and maintain an account in order to use the System.

7.2 We can limit account access and disable app functionalities without jeopardizing other privileges or solutions.

7.2.1 Should we ascertain through independent means that you have contravened any of these rules;

7.2.2 While the inquiry was underway;

7.2.3 Should you owe any of the following to us or any affiliated companies: principle, interest, fees, or taxes;

7.2.4 Should these regulations be discontinued for any reason; or

7.2.5 At any other moment, so long as the result meets our needs.

8.TERMS OF PAYMENT

Penalties and service costs for late payments.

8.1 You must pay the whole amount you owe in compliance with these regulations, without making any deductions or claims, unless the law says otherwise. If you need to deduct money from a payment you give us, you must add the additional amount to make sure we receive the whole payment without any deductions or withholdings.

8.2 We have the right to charge you more if you are unable to return a loan on time.

Taxes

8.3 Taxes are not included in the amounts that you must pay in compliance with these Terms of Use and Loan. You will be asked to supply an additional amount equal to the payment multiplied by the tax rate if taxes are relevant to the payment. Even if our relationship is terminated, you will still need to follow our instructions and submit the payment.

8.4 By agreeing to this contract, you give us permission to take money out of your account to fulfill legal requirements, our policies, demands, or fines from tax authorities.

In connection with monetary issues

8.5 By using the available payment options in the app, you agree to return the loan in full by the due date, including interest, fees, and taxes.

8.6 All transactions in the area must be made in the local currency.

9. FINALLY, A TIMELINE

9.1 Until they are terminated in line with their conditions, these regulations will be in force.

9.2.1 by giving you information whenever it's convenient for you, for whatever reason.

9.2.2 Regardless of whether you were told in advance, you must comply with these rules straight away without jeopardizing our other rights or solutions.

9.2.3 Should your mobile network operator or mobile money provider cancel your account or agreement for any reason;

9.2.4 To enable the modification or improvement of the Service, your account may be temporarily terminated or permanently destroyed in the case of technical issues, safety concerns, or if you do not use it for an extended period of time.

9.2.5 If a government, court, regulator, or other authority gives us instructions to follow a regulation;

9.2.6 Whether to cancel the service for operational or other reasons will be decided by us.

9.3 Should these Terms of Use be cancelled or expire, you must do the following:

9.3.1 You must pay off all outstanding balances as soon as possible, including the loan balance, interest, fees, and taxes.

9.3.1 As soon as you can, remove the program from your phone.

9.4 The obligations and privileges of the parties shall not be increased beyond what they were prior to the termination of the Terms of Use. Any other clause in the agreement that is meant to stay in force shall, nevertheless, stay in force.

10. INDEMNIFICATION PROVISION AND LIABILITY EXCLUSION

payment for the services provided.

10.1 If there is a problem or expense related to particular circumstances, you are required to protect and take responsibility for us, our partners, and their colleagues against any harm, legal fees, or expenses.

10.1.1 Any violation of these terms or of any applicable laws will be your responsibility. We won't be accountable.

10.2 If there are service interruptions due to circumstances beyond of our control, system mistakes, equipment failure from outside sources, power outages, bad weather, problems with the telecommunications system, or problems with your mobile devices, we will not be responsible for any losses you suffer.

10.3 The application is meant only for individual use. We guarantee that any business interruptions, lost profits, or missed business prospects won't be attributed to us. The application is not meant to be used for business or resold.

10.4 You understand and agree that we shall not be liable for any losses or damages resulting from or related to:

10.4.1 Any problem or flaw in the program or service that results from changes you have made.

10.4.2 Any problem or flaw in the application brought about by failure to follow the rules.

10.4.3 The particular guideline that you broke;

10.4.4 There is not enough money in your account.

10.4.5 There is a legal issue involving the funds in your account that affects your capacity to make payments or transfers. Your capacity to make payments or transfers could be compromised if you don't provide clear transaction instructions or if there are issues with the system, your mobile device, the network, or a mobile money system.

10.4.6Making dishonest or unlawful use of the system, service, or your phone.

10.4.7In the event that you disobey the terms and conditions as well as any rules we may have set forth for using the system and the service.

10.5Regardless of whether we were aware of the danger beforehand, we will not be held liable for any secondary or indirect losses or damages that may result from using the Service.

11.INCLUDED NEW WEBSITES

11.1 Links to websites or applications that are managed by other organizations might be included in our service. These links are meant to make recommendations for stuff that you might find useful. However, the act of including links to other websites or applications does not signify that the concepts, viewpoints, goods, services, data, or other objects that are featured on other websites or applications are approved or validated.

11.2 It is clearly stated that we make no claims or guarantees on the accuracy, completeness, dependability, or suitability of the content on Third-Party Sites or Apps. We cannot ensure that Third-Party Sites or Apps do not contain viruses or violate any third party's intellectual property rights.

12.I AGREE TO HEAR FROM MARKETING VIA MESSAGES

By using our services, you agree to receive marketing messages from us. At any point, you may choose to stop receiving these messages by clicking the "unsubscribe" link or by following the instructions in the message.

13. DISPUTE SETTLEMENT

13.1 Unless otherwise specified by your local jurisdiction, these agreements are governed by Tanzanian law. In all other cases, you shall be governed by the laws of your local jurisdiction.

13.2 Should a disagreement emerge over these Terms of Use, the parties shall try to settle it by selecting an arbitrator. After receiving an application, the Chairman of the Tanzania Arbitration Center will choose a mediator if they are unable to come to an agreement within seven days.

13.3 In compliance with the Rules of Procedure, the arbitration will take place in Dodoma. Parties must, to the maximum degree possible, abide by the arbitrator's ruling.

13.4 While awaiting the arbitrator's ruling, neither party is prohibited by these requirements from seeking immediate or provisional relief in court.

14. OVERVIEW

14.1 Any delays or performance problems that are not our fault are not our responsibility.

14.2 You agree that we may not give any third party access to any private information about our company, clients, or suppliers.

14.3 You agree that we may assign the loan rights to another party without first obtaining your approval; however, this will not change your responsibilities under these conditions. The payment options listed in the application have to be used.

14.4 We may amend these Terms of Use at any time, and we'll do our best to let you know about any significant changes. However, it is essential that you regularly review the Terms of Use. Any alterations' validity is dependent on the System and Service being maintained.

14.5 With relation to the topics covered herein, these terms take precedence over any earlier agreements between the parties. They confirm that all parties have understood and agreed upon everything. No assurances or claims not specified in these Terms of Use or mandated by law were relied upon. Without this clause, each party relinquishes any rights pertaining to previous conversations. These clauses do not limit one's responsibility for fraud or illegal liability.

14.6 You may not assign or transfer your rights or responsibilities under these Terms of Use without our prior written authorization. Save in cases where we are required by law to notify you, we may assign our rights or duties without your permission.

14.7 We could send you an email to the address associated with your account, or we might post a message on the app or system. To let us know, please send an email to t.support@mkonopesa.com.

14.8 If you have any problems or ideas about our system or service, please email t.support@mkonopesa.com.