Welcome to Umva Pay. By accessing or using our platform, you agree to comply with and be bound by these Terms of Service. Please read these terms carefully before using our services.
1. Introduction
These Terms of Service (“Terms”) govern your access to and use of the services provided by Umva Pay, including our mobile money wallet, payment processing solutions, and e-commerce integration tools. By using our services, you agree to be bound by these Terms and our Privacy Policy.
2. Company Information
Umva Pay is a company based in Rwanda, offering secure and efficient mobile money and wallet payment solutions to users and merchants. For further information, you may contact us using the details below:
Company Name: Umva Pay
Location: Rwanda
Email: [email protected]
3. Eligibility
You must be at least 18 years old and capable of forming a legally binding contract under applicable law to use Umva Pay’s services. By using our platform, you represent and warrant that you meet these eligibility requirements.
4. User Responsibilities
As a user of Umva Pay, you agree to:
- Provide accurate and up-to-date information when registering for an account.
- Maintain the confidentiality of your account credentials, including your password.
- Notify us immediately of any unauthorized use of your account or any security breaches.
- Comply with all applicable laws and regulations while using the services.
- Not use our services for any fraudulent or unlawful activity, including money laundering.
5. Account Registration
To use Umva Pay, you will need to create an account. During the registration process, you will provide personal and payment details. You agree that the information you provide will be accurate, complete, and current. Umva Pay reserves the right to suspend or terminate accounts that provide false or misleading information.
6. Services Provided
Umva Pay provides various financial services, including but not limited to:
- Mobile money transfers and payments
- Cash-in and cash-out services
- QR code payment integration
- E-commerce payment gateway for websites
- Money transfers between users and merchants
- Email invoicing and payment links
7. Payment Processing
When you make a payment or transfer, Umva Pay facilitates the transaction between the payer and the payee. All payments and fees are processed in real-time, and Umva Pay will notify you of the status of your transaction. You are responsible for ensuring that there are sufficient funds or balance to complete the transaction.
8. Fees
Umva Pay charges fees for certain services, including payment processing, cash-in, cash-out, and currency conversion. These fees are clearly communicated to you before any transaction is completed. By using our services, you agree to the fees as outlined during the transaction process. Umva Pay reserves the right to modify fees with prior notice.
9. Refunds and Disputes
Refunds may be issued in accordance with our refund policy for specific transactions. If you believe a transaction was incorrectly processed, you may contact our support team within 30 days for assistance. Disputes regarding charges, payments, or services will be addressed promptly by Umva Pay's customer support.
10. Privacy and Data Protection
Your privacy is important to us. By using Umva Pay, you consent to the collection, use, and sharing of your personal data as described in our Privacy Policy. We take appropriate measures to protect your data from unauthorized access or disclosure.
11. Security
Umva Pay uses industry-standard encryption and security protocols to protect your account and transactions. However, you are responsible for maintaining the confidentiality of your account information. We recommend using strong passwords and keeping your login details secure.
12. Termination
Umva Pay reserves the right to suspend or terminate your account if you violate these Terms, engage in fraudulent activities, or cause harm to the platform. Upon termination, you will no longer have access to your account or services, but you will remain responsible for any outstanding fees or transactions.
13. Limitation of Liability
Umva Pay will not be liable for any direct, indirect, incidental, special, or consequential damages resulting from the use or inability to use our services. This includes but is not limited to financial losses, data loss, or any other damages that may arise from using the platform.
14. Indemnification
You agree to indemnify and hold Umva Pay, its affiliates, and employees harmless from any claims, damages, or losses arising from your use of the services, including any third-party claims related to fraud or unlawful activities associated with your account.
15. Changes to Terms
Umva Pay reserves the right to update or modify these Terms at any time. Any changes will be effective immediately upon posting to our website. We will notify you of significant changes via email or on the platform. Your continued use of the services after any changes indicates your acceptance of the updated terms.
16. Governing Law
These Terms will be governed by and construed in accordance with the laws of Rwanda. Any disputes arising from the use of our services shall be resolved through binding arbitration in Rwanda.
17. Contact Us
If you have any questions or concerns about these Terms, please contact us at [email protected] or via our support team on our website.
Last updated: April 2025