By registering and using Lonestar Cell MTN Mobile Money Inc. Service the Account Holder agrees to be bound by these terms and conditions as amended from time to time. The Account Holder also confirms he/she is: (i) a LCMMMI’s. subscriber; (ii) 18 years or over (provided that an individual under 18 years may register and use the Service if they register in the presence of and with the authority of his/her legal guardian who will verify each use of the Service by the minor and agrees to so do by signing these terms and conditions.
2. DEFINITIONS
"Account" means the Mobile Money transactional bank account which is accessed primarily through the Account Holder’s cell Phone.
"Account Holder" means a Lonestar Cell MTN Mobile Money Inc. subscriber in whose name the Mobile Money account is registered and who is a Lonestar Cell MTN subscriber.
"LCMMMI.” means Lonestar Cell MTN Mobile Money Inc.
"Phone" means a GSM cell phone, handset or terminal connected via a GSM radio link to the Lonestar Telecommunications network.
"Debit" means the movement of funds out of the Account.
“force majeure” means any circumstances beyond LCMMMI’s control, including without limitation, an act of God, of public enemy, fire, explosion, earthquake, perils of the sea, flood, storm or other adverse weather conditions, war declared or undeclared, civil war, revolution, civil commotion or other civil strife, riot, blockade, embargo, sanctions, epidemics, act of any government or other authority, compliance with government orders, demands or regulations, or any act or omission on the part of a third party service providers
"GSM" means the global system for mobile communications as per European Technical Standards Institute's list of specifications.
"Agent" means an entity registered by LCMMMI to provide and carry out Mobile Money Services.
"Mobile Money" means the financial services product offered by Lonestar Cell MTN Mobile Money Inc. being a transactional banking account operated through an Account Holder’s Phone.
“Lonestar” means Lonestar Communications Corporation
"POS" means a point of sale used for Mobile Money transactions.
"PIN" means personal identification number being the secret code the Account Holder will choose upon registration for Mobile Money Services.
"Services" means the services provided by Lonestar relating to your cell Phone to enable you to use Mobile Money.
"SMS" means a short message service consisting of a text message.
3. MOBILE MONEY SERVICE
3.1 Mobile Money enables the Account Holder to transfer, deposit and withdraw money (and such additional activities and service features as may from time to time be offered by LCMMMI) utilizing their Phone or any Agent.
3.2. As a combined telecommunications and financial service, Mobile Money is subject to both telecommunications and financial regulations and may on occasion have to comply with regulatory requirements which may directly or indirectly affect Account Holders.
4. APPLICATION FOR MOBILE MONEY ACCOUNT
4.1. Any Lonestar subscriber may apply to register for the Mobile Money service provided they have an active SIM. The applicant will be required to provide information for registration to use the Mobile Money service. The Mobile Money service is limited to one account per Mobile Cell Number, LCMMMI reserves the right to close one or more multiple Mobile Money accounts if it has reasonable grounds to believe they are held by the same person and/or that any one or more of the multiple accounts is being used for illegal, fraudulent, suspect, disreputable or improper purposes.
4.2. The applicant must ensure that all information provided upon registration is accurate and true. LCMMMI reserves the right to deactivate, suspend or close an Account if it transpires that any information provided by the applicant/Account Holder was inaccurate, misleading or false. The applicant must notify LCMMMI as soon as possible following any changes in the details on his/her application.
4.3. LCMMMI may decline an application acting in its absolute discretion or refuse to open a Mobile Money Account if is not satisfied with proof of identity offered by the applicant however, LCMMMI is not obliged to undertake unusual or disproportionate identity checks to verify the applicant’s identity or identification documents.
5. FEES AND OTHER CHARGES
5.1. LCMMMI will charge fees on Mobile Money transactions which fees and details of such fees are available at LCMMMI head office, outlets, POS, Company Website and by contacting Lonestar’s Call Centre.
5.2. All fees will be deducted automatically from the Account following any chargeable transaction without further reference to the Account Holder. The Account Holder hereby consents to automatic deductions.
5.3. Fees are subject to such applicable levies and taxes as are or will be imposed by the Government of Liberia.
6. SECURITY AND UNAUTHORISED USE
6.1. The Account Holder must select a confidential Personal Identification Number (PIN) during registration for Mobile Money Services.
6.2. This PIN is used to correctly identify the Account Holder and is mandatory for the activation of all Mobile Money transactions such that no transaction will be effected without entering and validating this PIN.
6.3. The Account Holder must ensure the PIN is composed out of sight of all persons to maintain confidentiality and appropriate levels of security.
6.4. The Account Holder has three (3) attempts to enter the correct PIN for any activity. If the Account Holder enters the wrong PIN on his/her third attempt, the Account will be disabled and the Account Holder will have to contact Lonestar in order to receive a new PIN.
6.5. The Account Holder is responsible: (a) for keeping the PIN secret; (b) for all transactions that take place using the PIN; (c) for keeping the Phone secure during any transaction after the PIN has been entered but before completion of the transaction; and (d) to indemnify LCMMMI against any and all claims made in respect of such transactions.
6.6. The PIN may be changed via the handset.
6.7. If at any time the Account Holder believes or know that the Phone SIM card or PIN has been lost, stolen or otherwise compromised, the Account Holder may change the PIN via the handset or if circumstances dictate contact and report the occurrence to Lonestar. Following receipt of the report, Lonestar will block the Account as soon as reasonably possible. However, the Account Holder remains responsible for all transactions that occur up to the date and time that the PIN is blocked by Lonestar.
6.8. Only one PIN can be linked to the Account Holder’s Account at any time.
7. TRANSACTIONS
7.1. The Account Holder must have an active SIM card, a PIN and an operational Phone to access Mobile Money Services.
7.2. All transactions will be in Liberian and United States Dollars however LCMMMI reserves the right to introduce new currencies in conjunction with or as an outright replacement of the existing currency.
7.3. All transactions must be authorized using the PIN.
7.4. Mobile Money Accounts have daily limits beyond which an Account Holder may not exceed.
7.5. The aggregate of all daily transactions in the Mobile Money Account may not exceed US$2,000 (Two Thousand United States Dollars) or its equivalent in Liberian Dollars. In the event the daily limit is exceeded, the transaction will be declined. LCMMMI reserves the right at any time in its absolute discretion to increase or lower the daily Debit limits.
7.6. Lonestar reserves the right at any time in its absolute discretion to vary credit limits imposed on transactions as part of the terms and conditions of Mobile Money.
7.7. Transaction Limits
The Central Bank of Liberia regulations CBL/RSD/003/2014, section 15; Level 1 Accounts are subject to a maximum balance limit of US$1,000, an aggregate daily transaction limit of US$250 and an aggregate monthly transaction limit of US$2,000 or its equivalence for Liberian Dollars transactions.
Level 2 Accounts are subject to a maximum balance limit of US$4,000, an aggregate daily transaction limit of US$1,000 and an aggregate monthly transaction limit of US$8,000 or its equivalence for Liberian Dollars transactions.
Level 3 Accounts are subject to a maximum balance limit of US$10,000, an aggregate daily transaction limit of US$2,000 and an aggregate monthly transaction limit of US$20,000 or its equivalent for Liberian Dollars transactions.
Over-the-counter transactions are subject to a single transaction limit of US$100 or its equivalence for Liberian Dollars transactions.
7.8. Any record of a deposit into an Account will be verified and confirmed by LCMMMI. LCMMMI’s records will be taken as correct and authentic unless the contrary is proven.
7.9. LCMMMI will not complete any transactions where the Account Holder has insufficient funds. LCMMMI is not obliged to complete any transaction where the account has sufficient funds to cover a transaction but does not include sufficient funds to pay any fees chargeable.
7.10. The Account Holder must advise LCMMMI as soon as reasonably possible upon becoming aware of any transaction error however LCMMMI is under no obligation to stop, cancel, reverse or alter any transaction for any reason once it has been submitted for processing.
8. STATEMENTS
8.1. The Account Holder may obtain a free SMS statement which will show the last five (5) Account transactions by dialing *156# and following the on-screen instructions.
8.2. The Account Holder is required to check his/her statement and inform LCMMMI within sixty (60) days of the date of the statement if the statement is not correct. In the event of the Account Holder’s failure to notify LCMMMI of any mistake on the statement within the said sixty (60) days period, the Account Holder waives the right to dispute any transactions reflected on the statement or to recover any losses, if any, from unauthorized transactions reflected on the statement.
8.3. Printed statements of the Account are available upon request in person at Lonestar head office.
9. SUSPENSION, DISCONNECTION OF SERVICES, CLOSURE OF ACCOUNT
9.1. LCMMMI reserves the right in its sole discretion without informing the Account Holder and without any liability to the Account Holder to bar, restrict activity, limit or suspend access, disconnect Services or close the Account in the following circumstances: (i) upon request from the Account Holder; (ii) if LCMMMI is aware or has reasonable grounds to suspect that the Account or the Mobile Money Services are being used in an unauthorized, unlawful, improper or fraudulent manner or for illegal or activities (or have been so used previously); (iii) if the Account Holder is in breach of these terms and conditions; (iv) if the Account or phone line (i.e. SIM card) is not used for six (6) months; (v) if LCMMMI is required to close such Account in order to comply with the law; (vi) in the case of force majeure; (vii) if the Account Holder is no longer an active Lonestar subscriber except in the case of post-paid customers who continue to meet contractual payment obligations; (viii) if the Account Holder has reported the Account compromised or his/her PIN or Phone lost, stolen, compromised or damaged; or (ix) in order to protect the operation or security or integrity of the Mobile Money Service, Lonestar’ s network or LCMMMI business and reputation.
9.2. Where the Account has been closed in accordance with 9.1(i) or 9.1(iv) any credit balance in the Account will be repaid to the Account Holder in person upon proper verification of the Account Holder’s identity in LCMMMI reasonable discretion.
9.3. LCMMMI will not be responsible to the Account Holder for any direct, indirect, consequential or special damages arising from any act or omission by us or any third party for whom we are responsible, whether arising in contract, or statute, if the Account is restricted, suspended, disconnected or closed in accordance with this paragraph.
9.4. The Account Holder agrees that his/her information, including his/her personal information, telephone conversations with Lonestar’s Call Centre, his/her transactions and correspondence may be recorded and stored for up to five (5) years from date of closure of the Account.
10. CORRESPONDENCE AND NOTICES
10.1. The address provided on the Mobile Money Registration Form is regarded as the Account Holder’s chosen address where notices may be given and documents in legal proceedings may be served.
10.2. LCMMMI may send information, updates, promotional items, advertising and notifications to the Account Holder via SMS to the contact number supplied on the Account Holder’s application form.
10.3. Any legal notice from the Account Holder to LCMMMI should be delivered to LCMMMI head office: LBDI Building, Tubman Boulevard, Congo Town, P.O. Box 10-4673, Monrovia, Liberia marked FAO: Senior Manager, Mobile Money.
11. INFORMATION, DEBT COLLECTION AND FRAUD PREVENTION
11.1. Information provided by the Account Holder will be held securely by LCMMMI. LCMMMI may disclose information about you to credit reference agencies, debt collection agencies and other Lonestar Group companies for the above purposes, including details of any defaults in payments or repayments of your financial facilities.
11.2. The Account Holder, consents to LCMMMI:
11.2.1 carrying out identity and fraud prevention checks and sharing information relating to the application with the Liberian Police or any fraud prevention or security agency;
11.2.2. providing details to the Liberia Police or any fraud prevention or security agency of any activity on the Account which gives LCMMMI reasonable cause to suspect that the Account is being used improperly, fraudulently or for illegal purposes; and
11.2.3. the Account Holder understands and agrees that the record of this suspicion will then be available to other fraud prevention or security agency should they decide to carry out credit or other checks against the Account Holder’s name.
12. AMENDMENT TO TERMS & CONDITIONS
12.1. LCMMMI reserves the right to vary at any time from time to time and without prior notice to amend these terms and conditions or any of the fees. Any amendment will not constitute a nullification of these terms and conditions LCMMMI will use reasonable endeavors to bring the amendments to the Account Holder’s attention including where appropriate via SMS, display at Lonestar’s head office or POS, www.lonestarcell.com in the media provided always that the Account Holder shall be deemed to have been notified of any such amendments regardless of whether or not they have actually come to the Account Holder’s attention.
12.2. By continuing to use the Mobile Money service the Account Holder shall be deemed to have agreed to all amendments. If the Account Holder does not accept any one or more of the amendments then you must not continue to carry out transactions.
13. GENERAL
13.1. The Account Holder is required to notify LCMMMI if the Account Holder becomes bankrupt or has any financial judicial judgments entered against it.
13.2. All copyright, trademarks and other intellectual property rights used as part of the Services are owned solely by Lonestar, its affiliates and licensors. The Account Holder agrees that he/she acquires no rights therein or thereto.
13.3. The Account cannot be transferred to any mobile telecommunications operator.
14. LIABILITY AND EXCLUSIONS
14.1. LCMMMI will use reasonable endeavors to ensure continuous access to Mobile Money Services however LCMMMI is not responsible for any loss suffered by the Account Holder as a result of the Account Holder being unable to use the Service.
14.2. Not all Phones will be capable of accessing and using Mobile Money. LCMMMI accepts no responsibility or liability for the inability of the Account Holder’s Phone to access or use Mobile Money or for any loss or damage to the Phone resulting from the Account Holder’s actual or attempted access or use of Mobile Money and the Account Holder must satisfy itself as to these matters prior to actual or attempted use of Mobile Money.
14.3. LCMMMI is not responsible for any loss arising from any failure, malfunction, or delay in the network, Phone or resulting from circumstances beyond its reasonable control.
14.4. If LCMMMI is compelled to change or reassign the Account number to satisfy regulatory requirements or for any other reason LCMMMI will either create a new account or close the Account and pay the outstanding balance to the Account Holder.
15. ESCROW ACCOUNT
15.1. Mobile Money sums shall be held in escrow with a bank selected by LCMMMI acting in its absolute discretion (“the Escrow Account”) and the Account Holder shall be beneficially entitled to the amounts stated on the Account Holder’s statement. The Account Holder acknowledges he/she will have no entitlement whatsoever to any interest earned on the Escrow Account.
16. JURISDICTION AND DISPUTE
16.1. These terms and conditions are governed by Liberian law. The parties agree to use reasonable endeavors to settle any disputes amicably failing which the parties will submit their dispute to the Liberian courts for resolution.
1.1. These Terms and Conditions set out below are applicable to all Mobile Money Products and Services.
1.2. These Terms and Conditions and any amendments or variations thereto take effect on their date of publication and/or your acceptance by performing any Transaction on the Mobile Money Service.
2. DEFINITIONS
The following terms will have the specific meanings assigned to them in these “Terms and Conditions.”
2.1.. “Mobile phone” means a GSM terminal connected via a GSM radio link to the Mobile Telecommunications Network (MTN).
2.2. “Cash” means the lawful currency of the Republic of Rwanda.
2.3. “Credit/Cash-in” means depositing funds in your Wallet.
2.4. “Customer” means any person registered on Mobile Money Services
2.5. "Debit/Cash-out" means the movement of funds out of your Wallet.
2.6. “E-money Issuer” means MMRL, or any other payment service provider authorized to issue e-money under the Regulations governing e-payment.
2.7. "GSM" means the Global System for Mobile communications as defined in the European Technical Standards Institute's list of specifications.
2.8. "Guardian" means a parent or legitimate guardian to a minor who wishes to open a Mobile money wallet.
2.9. "Agent" unless defined otherwise in the regulation of the Central Bank governing agents, means a person providing services of an e-money issuer to the customers on behalf of the e-money issuer under a valid agency agreement.
2.10. “Inactive wallet” means a Mobile money wallet which is or has been inactive for a period of six (6) months, counted from the date of last transaction.
2.11. "Dormant wallet" means a Mobile money wallet that remains inactive for a period of six (6) months, counted from the date of last the notification of such inactivity and in total of twelve (12) months of inactivity.
2.12. "Unclaimed funds" means the money that remains unclaimed in the wallet for a period of 5 years from the date of last transaction.
2.13. "Our Website" refers to the website address https://www.mtn.co.rw
2.14. "Mobile Money" refers to the mobile financial services product through provision of a mobile phone Wallet that enables customers to carry out various payment transactions from their mobile phones.
2.15. "MTN" refers to MTN Rwandacell Plc.
2.16. "MMRL" refers to Mobile Money Rwanda Limited and in some instances may include MMRL’s parent company, MTN.
2.17. "Partner Banks” refers to KCB, I&M Bank, Bank of Kigali, ZIGAMA CSS, Equity Bank, GTBank, Vision Finance, BPR, Unguka, Cogebanque, Access Bank, NCBA Bank, Bank of Africa, Amasezerano, AB Bank and/or any other Bank that may be signed on to the Mobile Money Service from time to time.
2.18. "Person" means a natural person or legal entity.
2.19. "Personal Data" means any data and/or information which uniquely identifies, or is capable of identifying a customer, including without limitation to data and/or information of any MMRL customer who sends or receives money and/or who does any other transaction via the Mobile Money platform.
2.20. “PIN” means Personal Identification Number being the secret code you choose for your transactions without which Wallet transactions cannot be executed.
2.21. "POS" means a Point-of-Sale device (Tap and Pay) which is used for Mobile Money transactions.
2.22. "RWF" means Rwandan Francs, being the transacting currency acceptable under this agreement.
2.23. "Services" refers to the services provided by us relating to your Mobile phone to enable you to use Mobile Money.
2.24. “SIM Swap” means the process of replacing an existing SIM with a new one or moving the existing number to the new SIM.
2.25. "SMS" means a Short Messaging Service consisting of a text message.
2.26. "Wallet" refers to a customer’s Mobile Money transactional account which is accessed primarily through their mobile phone.
2.27. "Wallet holder" refers to the person in whose name the Mobile Money Wallet is registered.
2.28. “We” or “Us” refers to Mobile Money Rwanda Limited.
2.29. "You" or “Your” or “Customer” means the Wallet holder.
2.30. RNDPS (Rwanda National Digital Payment System), means an instant payment system that enables sending and receiving funds from and to various payment service providers (Banks, MFIs, SACCOs, E-money Issuers).
3. MOBILE MONEY SERVICE
3.1. The Mobile Money service enables you to carry out various financial transactions from their mobile phones, or through any Mobile Money Authorized Agents. These transactions include but not limited to mobile money transfers, bill payments, deposits, withdrawals, and airtime purchases or any other services that may from time to time be provided to you.
3.2. Mobile Money Wallets are opened on Mobile Money Platform and this service is currently available to anyone who meets requirements set by MMRL and the Central Bank of Rwanda. You commit to use Mobile Money in accordance with these terms and conditions and any amendment to these terms and conditions.
3.3. Mobile Money can be used to transfer payments to any licensed e-money issuer in Rwanda through the RNDPS, and you can also access Mobile Money services while Roaming Internationally unless otherwise notified by MMRL.
4. ACCEPTANCE OF TERMS AND CONDITIONS
4.1. Before subscribing and performing any transaction using the Mobile Money Service, you must carefully read and understand these terms and conditions (“rules”) which shall govern the use of Mobile Money Services as they are set out in this document.
4.2. Upon clicking the option “Accept” Option on the Mobile Money Menu as the Data Subject, you confirm that you have read, understood and agreed to abide with these terms and conditions.
4.3. By using or continuing to use the Mobile Money Service, you consent to the collection, processing and transferring of your personal information (“personal data”) and you voluntarily provide to MMRL and/or any third party contracted by us to collect process and/or transfer such personal data by method and/or means that shall be used by us at our sole discretion.
4.4. By agreeing with these terms and conditions you agree to share your name and account details with participants in RNDPS in order to facilitate the sending and receiving of payments to and from other e-money issuers, as well as to enable perform tracing of payment and conducting investigation where it is required. You must keep your details up to date by informing us of any changes to your details through our Service Centers.
4.5. You may choose to withdraw consent for your personal information to be shared with RNDPS by notifying us through USSD or dial *182#.
4.6. You acknowledge and accept that the Personal Data which relate to your person represent the referred to personal data within the meaning provided under these Terms and Conditions and/or in accordance with the Law Nº 058/2021 of 13/10/2021 Relating to the Protection of Personal Data in Rwanda on the protection of natural and/or moral persons with regard to the processing of personal data and/or as it may be amended from time to time. You further declare that you are at least 16 years old and if not then you confirm that such consent has been expressed or given by the person who has the parental responsibility for you or your guardian.
4.7. You accept that your personal data which is and/or will be collected and/or stored during registration for Mobile Money services in your names, including telephone conversations that will be collected and /or stored through or by MMRL customer care representative or personnel and any transactions conducted on your Mobile Money Account(s)/wallet(s), may from time to time be utilized, stored, processed and/or shared by MMRL for purposes of optimizing the service convenience and/or enabling customers and enhance your experience and will be recorded and stored for record keeping purposes as per regulatory requirements.
4.8. We undertake to protect your collected data and shall ensure shared data is well protected, from misuse and unauthorized access or disclosure by any receiving party (recipient). In the case of transmission of personal data to third parties and/or countries, MMRL shall have sufficient control mechanisms for their protection.
4.9. You hereby expressly consent and authorize us to transfer your personal data in particular:
4.9.1. To and from any local, international law enforcement, competent regulatory and/or governmental agencies so as to assist in the prevention, detection, investigation or prosecution of criminal activities or fraud and/or competent regulatory or government authorities for the purpose of fulfilling our statutory obligations prescribed by relevant legal regulations.
4.9.2. To MMRL service providers, dealers, agents or any other company that may be or become MMRL’s subsidiary or holding company for reasonable commercial purposes relating to the Services.
4.9.3. To MMRL lawyers, auditors or other professional advisors or to any court or arbitration tribunal in connection with any legal or audit proceedings.
4.9.4. For reasonable commercial and/or contractual purposes connected to your use of the Services, such as marketing and research related activities; and
4.9.5. In business practices including but not limited to quality control, training and ensuring effective systems operation.
4.9.6. To any other relevant recipients/categories of recipients with domiciles outside Rwanda to the extent permitted by the law.
4.9.7. You may withdraw consent for such use, processing or transfer of Data as set out herein, except as it is required to: (a) carry out fraud detection; or (b) comply with any statutory or regulatory requirement or the order of a court or other public authority, by sending written notice to MMRL in the prescribed form, available from MMRL on request.
4.10. Notwithstanding anything contained herein, any rejection of these terms and conditions and/or consent withdrawal of any terms stipulated herein will result into cancellation of your subscription on all Mobile Money services and/or rejection of your application for Mobile Money Wallet.
5. APPLICATION FOR WALLET
5.1. You understand that you can only apply for a Wallet if you are an active customer:
5.1.1. Rwandan citizens with a valid National ID Card, Passport or national driving license may apply for a Mobile Money Wallet.
5.1.2. Foreigners wanting to benefit from this service will be required to present an original valid passport, a laissez Passer, or a letter from their employer confirming employment and or a valid Employment visa (if available).
5.2. You ascertain that any information provided to MMRL is true and accurate and that you may be requested to provide any additional information that is required from time-to-time failure will result in suspension or closure of the wallet.
5.3. Persons below the age of 16 (minors) can open a Mobile Money Wallet with a Guardian. The Guardian will have to provide some information on a Guardian form, and which will be signed by the latter.
5.4. If we believe that the information provided by your is not sufficient proof of your identity, we are entitled to decline your application to open a Wallet or to revoke the same at any stage at our sole discretion.
6. FEES AND OTHER CHARGES
MMRL shall charge you fees for use of the Mobile Money service. The details of the applicable fees for the various Mobile Money services and products are available at all our Service Centers, from authorized Mobile Money Agents, by contacting our Call Centre on 100, or by accessing our website https://www.mtn.co.rw/momo/personal/momo-tariffs/
7. TRANSACTIONS / LIMITS
7.1. To manage your money safely there are transactional and daily limits on your Wallet. You can only transact within the daily limits approved by the Central Bank as may be amended from time to time.
7.2. You may access the available funds in your Wallet at any time using your mobile phone. While we will perform the services and carry out our obligations under these terms and conditions with all due diligence and efficiency in accordance with the generally accepted techniques and practices commonly recognized by the industry, we acknowledge that the Service is not fault free and the quality and availability of the Service may be affected by factors outside the control of MMRL such as local geographic or physical obstructions, atmospheric conditions and other causes of radio interference as well as faults in other telecommunication networks to which the Network is connected or dependent.
7.3. You must authorize your transactions with a secret PIN that you create when you apply for the Mobile Money service and/or by such other method we may prescribe from time to time.
7.4. You must always check the balance on your Mobile Money wallet before and after authorizing and or initiating any transaction to ensure that your balance reflects the initiated and or authorized transaction. After every transaction, a notification will be sent to your mobile phone.
7.5. You must at all times count the cash received and confirm your balance immediately after a cash out transaction.
7.6. You must always confirm your balance immediately after a cash in transaction.
7.7. You will not be permitted to withdraw, transfer or make any payments that are above the daily transactional limits. Should you exceed any of these limits, your transactions will be declined.
7.8. In addition to 7.7 the monthly balance on your Wallet may at no time exceed the prescribed Central Bank limit.
8. SECURITY AND UNAUTHORIZED USE
8.1. You are required to select a confidential PIN during registration. This PIN is mandatory for the use of all Mobile Money features in such a manner that no transaction could be effected without entering and validating this PIN. You have three (3) attempts to enter the right PIN. If you enter the wrong PIN on failure of your third attempt, the Mobile Money wallet will be blocked. In the event that the wallet is disabled, you can call the call center to reset your PIN for any amount equal or below Frw 20,000 and you can visit your nearest Service Centre for your PIN Reset.
8.2. You are responsible, for keeping your PIN secret and for all transactions that take place on your Wallet with your PIN and you indemnify us against any claims made in respect of such transactions. Your PIN shall not be communicated to anyone, must be kept in a very confidential manner and should in no case be written on any document. You must ensure this PIN is always composed out of sight of any individual.
8.3. If at any time you believe or know that your Mobile phone or PIN has been stolen or compromised, you should immediately change your PIN, call us on 100 (Toll Free) or visit any of our Service Centre for your PIN to be reset or Wallet unblocking. We will block the PIN as soon as we reasonably can. You will remain responsible for all transactions that occur until your PIN is blocked.
8.4. Should you dispute that any purchase or withdrawal debited to your Wallet was not authorized by you, you will have to prove it was not authorized.
9. STATEMENTS
9.1. You may upon written application request a statement printout from us showing all the transactions on your Wallet. You must check each statement as soon as you receive it and inform us within 30 days of the date of the statement if you think that a statement is not correct. If you do not do this within this timeframe you hereby waive the right to dispute any transactions reflected on the statement or to recover any losses from unauthorized transactions reflected on the statement.
9.2. You can use your mobile phone to request your balance or mini statement on your Wallet or alternatively you may visit any of our service center to request for your statement.
10. CLOSING YOUR WALLET
10.1. We will close your Wallet upon receiving a closure request from you.
10.2. We can close your Wallet, restrict activity on your Wallet or suspend access to your Wallet if in any way we know or suspect your Wallet is being used fraudulently, negligently or for illegal activities or if we must do so to comply with the Law.
10.3. We can close your Wallet if we believe that you are in breach of these terms and conditions, are trying to compromise our systems or are unreasonably interfering with any Services provided by us.
10.4. We may choose at any time to close your Wallet to protect our business interests should we suspect your wallet to be involved in any fraudulent actions, money laundering or any other suspicious action that violates these terms and conditions, any laws, rules and or regulations under which we operate.
10.5. Where your mobile money wallet is Inactive, we shall inform you that it is about to be or has already been classified as Inactive and your required to reactivate it. Where the wallet holder fails to reactivate the mobile money wallet for a period of six (6) months counted from the date of the last notification of such inactivity, it shall be flagged in our database system as “Dormant” and in that case you will be required to visit our service center to reactivate it.
10.6. We may close your Wallet if you are no longer a Mobile Money customer, or your Wallet remains Inactive or Dormant for a period of 24 months.
10.7. Unclaimed funds on your wallet that have been dormant for five (5) years shall be transferred to the Central Bank by us within a period not exceeding thirty (30) days from the end of the five (5) years.
10.8. We will not be responsible to you for any direct, indirect, consequential or special damages arising from any act or omission by us or any third party for whom we are responsible, whether arising in contract, delict or statute, if we close or suspend your Wallet in terms of this clause 10.
11. FAILURE OR MALFUNCTION OF EQUIPMENT
We are not responsible for any loss arising from any failure, malfunction, or delay in any POS, cellphone networks, and Mobile phones, the Internet or terminals or any of its supporting or shared networks, resulting from circumstances beyond our reasonable control.
12. NOTICES
12.1. The address you supply on your Mobile Money Registration Form is regarded as your chosen address where notices may be given. You must notify us immediately should your physical, postal, email address or Mobile phone number change.
12.2. We are entitled to send any notice to an email address specified on your application. This communication will be regarded as having been received by you, unless the contrary is proved. This clause pertains to customers who have completed the Mobile Money Registration Form.
12.3. We are entitled to send information to you via SMS to the contact Mobile phone number provided on your application form and as amended from time to time. These SMS’ are for Mobile Money services’ information and or Mobile Money services promotional purposes only.
12.4. Your legal notices and documents in legal proceedings will be served to us at our chosen address:
Mobile Money Rwanda Limited
MTN Centre Building, Nyarutarama
Kigali-Rwanda
12.5. You acknowledge and agree that this agreement will be regarded as having been entered into in Kigali and any breach of this agreement will be considered as having taken place in Kigali.
13. CONSENTS AND CONDUCT OF THE WALLET
13.1. You, the Wallet holder, consent to us:
13.1.1. Making enquiries about your credit record with any credit reference agency and any other party to confirm the details on this application.
13.1.2. Providing regular updates regarding the conduct of the Wallet to the credit reference agencies and allowing the credit reference agencies to in turn make the record and details available to other credit grantors.
14. FRAUD PREVENTION
14.1. You, the Wallet holder, consent to us:
14.1.1. Carrying out identity and fraud prevention checks and sharing information relating to this application with the Rwanda Police or any fraud prevention or security agency as required by Law.
14.1.2. Providing details to the Rwanda Police or any fraud prevention or security agency of any conduct on your Wallets that gives us reasonable cause to suspect that the Wallets are being used for improper purposes; and
14.1.3. You understand and agree that the record of this suspicion will then be availed to other members of the Rwanda Police, or any fraud prevention or security agency should they carry out credit or other checks on your name.
15. GENERAL
15.1. We may vary or amend at any time these Terms and Conditions and the Transaction Fees and without notice to you. Any such variations or amendments will be published in the daily newspapers and/or our website and/or by any other means as determined by us and any such variations and amendments shall take effect within thirty (30) days following publication.
15.2. You shall not vary any of these terms and conditions.
15.3. You agree that we may sue you in any court of competent jurisdiction in Rwanda.
15.4. A favor or concession we may give you will not affect any of our rights against you.
15.5. These terms and conditions are governed by Rwandan Laws.
15.6. We may allocate any money received from you or held on your behalf to settle any outstanding balance on your Wallet with respect to subsisting loans. Should you default on your Wallet while at the same time having a credit balance due and payable on any other Wallet with Partner Banks, we have the right to apply set-off on the affected Wallets.
15.7. You must notify us if you are under an administration order, sequestration or any other form of insolvency.
15.8. You must pay all our expenses in recovering any amounts you owe us including legal fees.
15.9. A certificate signed by any of our representatives (whose appointment need not be proved) showing the amount you owe us is sufficient proof of the facts stated on the certificate, unless the contrary is proved.
15.10. We will not be responsible to you for any indirect, consequential or special damages arising from any act or omission by us or any third party for whom we are responsible and whether arising in contract, statute or tort.
15.11. We are not responsible for any loss from any failure, malfunction, or delay in any mobile network, mobile phones, the internet or terminals or any supporting or shared network resulting from circumstances beyond our reasonable control.
15.12. MMRL reserves the right at its sole discretion, to suspend or terminate the agreement if you use your account for unauthorised purposes, or to suspend or terminate this agreement wholly or partially due to your abuse of any of the Mobile Money services and/or functionalities provided to you for purposes of utilization of Mobile Money services.
15.13. You must notify us immediately of any change to any of the details in your application, particularly details shared for the purposes of Article 4.3 to 4.7 herein.
15.14. You agree that your information, including your personal data, your telephone conversations with our call center and your transactions will be recorded and stored for record keeping purposes for ten (10) years from date of closure of Wallet.
15.15. We are obliged by Law to regularly update your personal particulars, such as your current residential address and contact information. We may contact you from time to time in this regard.
15.16. Neither party hereto shall be liable for any breach of its obligations hereunder resulting from events beyond its reasonable control including but not limited to strikes, riot, acts of war, terrorism or revolution, acts of God, civil commotion, strikes, labour disputes, fires, floods, destructive lightening, epidemic, system downtime, system malfunction, internet service interruptions, hacker attacks, vandalism, governmental demands or requirements. If such event continues for at least thirty (30) days, then the other Party may terminate this agreement by notice to the other in writing without incurring any additional liability.
15.17. All copyright, trademarks and other intellectual property rights used as part of our Services or contained on our documents are owned by MMRL or its licensors. You agree that you acquire no rights thereto and any unauthorized reproduction, modification, distribution or republication of materials or intellectual property, without the express prior written consent of MMRL is strictly prohibited
15.18. You accept that all transactions effected on your mobile phone are subject to other applicable Regulations and Terms and Conditions available on our website or from our call Centre.
16. SANCTIONS
16.1. Any abusive and/or fraudulent usage of your Mobile Money Wallet and any false declaration may be punished by the Laws in place in Rwanda.
16.2. Any abusive and/or fraudulent usage of your Mobile Money Wallet and any false declaration may also lead us to suspend temporarily or indefinite rights to access to Mobile Money services.
16.3. Any cost engaged by us in recovering transactions and undue payments made by you, will be borne by the user legal interest rate.
16.4. Any transaction or action from you on your Mobile Money Wallet triggering a malfunction of the system and requiring a technical intervention will be charged to you.
17. YOUR RESPONSIBILITIES
17.1. You will be responsible for payment of all applicable fees for any transaction effected using Your Mobile Money Wallet whether these were made by you or someone else with or without your authority or knowledge.
17.2. You must not use the Service to commit any offence(s); Fraud and Money Laundering and any other financial offence that is not accepted under the laws of the country or contravenes the Laws governing payment systems and the Law on prevention and penalizing the crime of money laundering and financing terrorism.
17.3. In case of any complaints regarding the service, you must lodge the said complaints within a period of thirty (30) calendar days from the date of detection of the anomaly, we shall acknowledge receipt of the complaint lodged and have maximum of 30 working days to resolve it and or respond to the Customer.
17.4. You must use one of the following medium in lodging your complaint(s) within the specified time period provided in Clause 17.3 above, Call Center on the number 100 (Toll Free), Visit to Service center or via electronic mail from our website.
17.5. In the event that you are not satisfied with the feedback provided by MMRL on your complaint, you may refer the matter to the National Bank of Rwanda (BNR) within five (5) days in writing following our response or after the expiry of the timelines specified in clause 17.3 whichever comes first. Notwithstanding anything contained under this clause 17.5, BNR shall attempt to amicably mediate and resolve the matter between the parties, but under no circumstance shall the decision of BNR in relation to the referred matter be binding and executable on the Parties.
17.6. In the event of damage, loss or theft of the SIM card, you are obliged to inform us immediately of such damage, loss or theft. We will then disable the damaged, lost or stolen SIM card so as to prevent possible use of the Mobile Money Services until the SIM card has been replaced. To report a damaged, lost or stolen SIM card, you can call the Call Centre on the number 100 (Toll Free) or visit the nearest Service Centre.
17.7. In the event of a SIM swap or PIN reset, your Mobile Money Wallet will remain blocked for 72 hours after such Sim swap or PIN reset. Should you need to use your Mobile Money Wallet prior to the expiry of the 72 hours period mentioned in this Clause 17.7, you will be required to visit the nearest Service Centre with your valid identification document as mentioned in Clause 5 PROVIDED THAT the same document was used to open your Mobile Money Wallet.
17.8. In case of Fraud or scams, you must subsequently provide details of fraud, scams, or unauthorized transaction and a police extract as part of your complaints to commence the necessary checks. Note that any loss incurred during this period will be a personal liability for which MMRL shall not be responsible.
17.9. We will not be liable for any transactions on your account as a result of damage, loss or theft of your SIM card.
17.10. You must comply with any instructions that we may issue from time to time about the use of the Mobile Money Services.
18. MONEY TRANSFER REVERSALS
18.1. You must lodge a formal complaint of a wrong transfer not later than 30 calendar days from the date of the incident in accordance with the Regulations of the National Bank of Rwanda on electronic fund transfers and electronic money Transactions. Careful investigations will be conducted to establish the claim as part of processing the reversal.
18.2. Where possible we will endeavor to effect reversals of a wrong transfer within 5 working days but in any event not later than 15 working days from the date on which a request was made.
18.3. Where the amount in question is fully available in the Wallet and the recipient does not consent to the reversal as at the time of receiving the complaint, we shall hold the funds for further investigations provided that the recipient has not expended the funds. We can only block the remainder balance on the account where the funds have been partially expended.
18.4. In the event where the amount is not in the Wallet, you would be advised accordingly. We may conduct further investigations in this event to satisfy our internal procedures.
18.5. Provided that you report to us within 30 days of after the transaction, we will take reasonable steps to contact the supposed wrong recipient, through calls and SMS, within 3 working days of receiving a reversal request.
18.6. Where the wrong recipient does not respond to the calls and SMS during the 3 days of contact, you have the responsibility to take on the matter with relevant authorities.
18.7. Where the wrong recipient has been responsive, and investigations concluded showing satisfactorily that it was a wrong transaction, we will endeavor to perform the reversal after the 3 working days of the conclusion of the investigation or notification from relevant authorities.
18.8. We do not have any obligation to perform a reversal in the event of any dispute with any wrong recipient.
18.9. We will make reasonable efforts to reverse the amount reported (if fully intact) or the remaining amount (after partial withdrawal by the wrong recipient) and in both cases, the reversal will attract the prescribed fee where applicable.
18.10. We will not be liable for any refunds or damages whatsoever resulting from a wrong transaction.
18.11. If a Mobile Money account is closed as a result of customer’s death, the balance standing to the customer’s account shall be paid over to the next of kin as may be mentioned in the Mobile Money Registration Form and/or the administrator nominated in the letters of administration issued by a competent Court of Jurisdiction or Executors stated in a will.
19. AIRTIME REVERSALS
19.1. Reversals cover only airtime purchased from your own wallet.
19.2. The reversal can only be initiated and completed by you.
19.3. Airtime purchased can be reversed within 72 hours of purchase, failure of which, the reversal cannot be processed. You are required to immediately communicate to us of such error on 100 (Toll Free). We will block the airtime as soon as we reasonably can as we await completion of the investigation on the matter as set out herein.
19.4. You can reverse airtime only once a week. Transactions below RWF 50,000 cannot be reversed.
19.5. No partial reversal is allowed. You need to ensure that the full value of airtime purchased, and the bonus amount received is available before the reversal can be processed.
19.6. In case some part of the bonus or main airtime has been used by you, the transaction cannot be reversed. You have the opportunity to top-up to ensure that the full amount is available to be able to reverse.
19.7. Transaction notification will be sent to both the sender and receiver upon completion of the reversal.
20. WARRANTIES, AND LIMITATION OF LIABILITY
20.1. MMRL will report any suspicious account activity to the relevant law enforcement authority
20.2. MMRL shall use all reasonable efforts to ensure that all services and/or requests are processed in a timely manner. However, MMRL makes no representations or warranties as to continuous, uninterrupted or secure access to the Mobile Money service, which may be affected by factors outside MMRL ’s control and which may be subject to periodic testing, repair, maintenance or upgrades.
20.3. MMRL will not by reason of representation, implied warranty, condition or other term be liable for any damages or losses, including, without limitation, direct, indirect, consequential, special, incidental or punitive damages deemed or alleged to have resulted from or caused by but not limited to:
i) transactions made to unintended recipients or payments made in incorrect amounts due to the input of incorrect information by you;
ii) transactions made from your account by an unauthorized third party who passes all identity and verification checks;
iii) any fraud or misrepresentations by any Mobile Money Agent only,
iv) failure of any other payment system, electronic money transfer system or data transmission system other than the Mobile Money system
v) any intentional or negligient acts and/or omissions by any other e-money issuer and/or payment system service provider
You agree to indemnify and hold MMRL harmless against any claim brought against MMRL by a third party resulting from your breach of these Terms and Conditions.
21. DISPUTE RESOLUTION
21.1. All or any disputes arising out or touching upon or in relation to these Terms and Conditions, including the interpretation and validity of the terms thereof and the respective rights and obligations of the Parties, shall be settled amicably by mutual discussion, failing which the same shall be settled through the relevant Commercial Courts in Kigali.
Chaque fois qu’ils seront utilisés dans le présent contrat ou en relation avec son exécution, les termes suivants auront le sens défini ci-après :
PORTEUR : Abonné au service MTN Mobile Money en vertu des présentes, et détenteur de la monnaie électronique pour son propre compte.
MTN : désigne la marque par laquelle est commercialisée les produits et services Mobile Money et AREEBA Guinée S.A.
Mobile Money ou MoMo : est le nom sous lequel est commercialisé les produits et services objet des présentes.
Marchand : Tout commerçant, personne physique ou morale, fournisseur de biens et services, agréé par MTN Mobile Money S.A et habilité à encaisser les dépôts et à effectuer les retraits des PORTEURS et/ou acceptant la monnaie électronique comme moyen de paiement.
Monnaie Electronique : la Valeur monétaire représentant la créance sur l'émetteur, qui est :
- stockée sur un support électronique y compris magnétique (téléphone portable ou carte Sim) ;
- émise contre remise de fond de valeur égale ;
- acceptée comme moyen de paiement par des entreprises autres que l'émetteur.
ARTICLE 2 : OBJET DU SERVICE MOBILE MONEY
Mobile Money est un service innovant permettant à l'échelle nationale, d'effectuer des transactions financières relativement simples à partir du téléphone mobile et d'Internet
Les fonctionnalités potentielles de Mobile Money sont :
- le transfert d'argent (de compte à compte, de compte à cash, de cash à cash) ;
- l'alimentation du compte Mobile Money du PORTEUR avec la monnaie électronique auprès des établissements distributeur de monnaie électronique et de toutes agences MTN Mobile Money S.A
- encaissement et retrait de monnaie en espèce auprès des établissements distributeurs de monnaie électronique et de toutes agences des banques partenaire de MTN Mobile Money S.A
- le paiement des factures,
- l'achat de minutes de communication.
ARTICLE 3 : CONDITIONS DE SOUSCRIPTION ET D'UTILISATION DU SERVICE MTN MOBILE MONEY S.A PAR LE PORTEUR
3.1 Conditions de souscription
- Pour bénéficier du service Mobile Money, il faut :
- Etre âgé de 18 ans révolus ;
- Etre abonné chez l'opérateur de téléphonie AREEBA-Guinée S.A,
- Avoir signé le formulaire de souscription à Mobile Money et y avoir joint un support d’identité valide
- Avoir signé les présentes conditions d'utilisation qui régissent les relations contractuelles entre MTN Mobile Money S.A et l'utilisateur du service
Des dérogations peuvent être accordées pour les mineurs justifiant de leur maturité et assistés par leurs parents.
3.2 Utilisation du service
3.2.1 Alimentation du porte-monnaie électronique
L'alimentation du portemonnaie électronique du PORTEUR se fait contre remise de monnaie en espèce auprès d'une agence de MTN Mobile Money S.A, de AREEBA Guinée S.A, d’un Marchand agrée par MTN Mobile Money S.A ou les banques partenaires de MTN Mobile Money S.A.
Le PORTEUR n'est donc pas tenu de disposer d'un compte bancaire pour pouvoir utiliser le service Mobile Money.
3.2.2 Transfert d'argent
De compte à compte
Il s'agit du transfert d'argent d'un utilisateur Mobile Money vers un autre utilisateur du même service, ou d’un autre service conformément à la règlementation en vigueur.
De compte à cash
Il s'agit du transfert d'argent d'un utilisateur Mobile Money vers un non utilisateur Mobile Money.
Le non abonné devra alors se rendre dans une agence de MTN Mobile Money S.A ou chez un Marchand agrée par ladite société.
3.2.3 L'encaissement d'argent
Le PORTEUR pourra à sa guise procéder à l'encaissement et au décaissement de la monnaie électronique qu'il détient en se rendant à une agence de MTN Mobile Money ou chez un Marchand agrée par ladite société
3.2.4 Le paiement de facture
Cette transaction permettra au PORTEUR de régler depuis son portable ou via Internet, ses consommations auprès des facturiers agréés.
3.2.5 L'achat de minutes de communication
Le PORTEUR pourra procéder via son portable ou Internet ou encore son compte bancaire selon le cas à l'achat de minutes de communication auprès de la société AREEBA Guinée S.A.
Les transactions effectuées via Mobile Money sont exécutées -dans les limites du crédit disponible sur le portemonnaie électronique (support de l'opération).
Le PORTEUR doit, préalablement à chaque transaction s'assurer de l'existence dans son porte-monnaie électronique de la provision suffisante et disponible. A défaut, la transaction ne pourra pas être faite.
Le PORTEUR doit s'assurer de la saisie correcte des données de toutes transactions qu'il effectue.
Les transactions effectuées via Mobile Money sont exécutées dans le respect de la réglementation applicable en République de Guinée, notamment la règlementation des Etablissement de Monnaie Electronique.
3.2.6 Limitation du montant des transactions
Limitation dans la balance
Le montant plafond de la balance du porte-monnaie électronique du PORTEUR est fixé à Cinquante millions (50 000 000) de Francs Guinéens.
Limitation dans les transferts
Le montant maximum pour une opération de transfert est fixé à dix Millions (10 000 000) de Francs Guinéens.
Toutefois ces limites sont susceptibles de modification sans préavis en fonction des exigences du marché ou du régulateur, MTN Mobile Money S.A s’efforcera dans ce cas à communiquer au PORTEUR les nouveaux changements dans un délai raisonnable
ARTICLE 4 : CODE SECRET PERSONNEL
4.1 Attribution et utilisation du code
Le PORTEUR saisira sur son Mobile, le jour de sa souscription un code personnel à 5 caractères numériques.
Il s'engage à garder secret son code personnel et à ne pas le communiquer à qui que ce soit. Le PORTEUR prendra donc toutes les mesures propres à assurer la sécurité de son code personnel. Il doit veiller à ne pas l'enregistrer dans la mémoire de son téléphone portable ou sur tout autre support accessible aux tiers. Il s'engage à détruire les messages dans lesquels figurera son code secret.
Ce code est indispensable dans l'utilisation des services Mobile Money, conçus de façon qu'aucune opération ne puisse être effectuée sans mise en œuvre de ce code secret. Le PORTEUR garantit qu’il est l'auteur de tout ordre émis et transmis au service Mobile Money à travers l’usage de son code secret.
Les transferts d'argent et les paiements faits au moyen de l’usage du code secret du PORTEUR sont considérés exclusivement être effectués par le PORTEUR. Lesdits transferts et paiements sont irrévocables et insusceptibles de recours en remboursement ou en annulation de la transaction.
Le nombre d'essai successif de composition du code secret est impérativement limité à trois (3). Après le troisième essai infructueux, le PORTEUR sans pouvoir engager la responsabilité de MTN Mobile Money S.A court le risque d'invalidation du code. En cas d’invalidation du code, le PORTEUR devra contacter le service client de MTN Mobile Money S.A pour la réinitialisation du code secret. Il lui sera alors demandé de choisir un nouveau code secret pour continuer à utiliser le service.
Le PORTEUR sans pouvoir engager la responsabilité de MTN Mobile Money SA, a la possibilité de réinitialiser lui-même son code secret à condition que son solde ne dépasse dix mille francs guinéens (10.000 fg). Le PORTEUR dont le solde dépasse dix mille francs guinéens (10.000 fg), pourra réinitialiser son code secret à travers la réception d’une notification OTP qui lui est directement envoyer par MTN Mobile Money SA.
4.2 Opposition
L'ordre ou l'engagement de payer donner au moyen de Mobile Money est irrévocable.
Toutefois, il peut être fait opposition au paiement en cas de survenance d’un cas de force majeure survenue avant le paiement effectif.
Par force majeure il s’agit de toute cause à la fois extérieure à la volonté des parties, imprévisible et irrésistible, à savoir une inondation, un glissement de terrain, un incendie, un tremblement de terre, une guerre, des troubles sociaux ou autres sinistres rendant les lieux inhabitables :
L'opposition doit être faite par appel téléphonique ou par écrit dans les vingt-quatre (24) heures ouvrées suivant la survenance de l’évènement. Pour être valable, l'opposition doit être confirmée par le PORTEUR muni de toutes pièces justificatives (déclaration de perte ou de vol contresignées par les autorités policières compétences).
L'opposition doit être faite au service client joignable au numéro 111 pendant les horaires d'ouverture.
ARTICLE 5 : DISPONIBILITE DU SERVICE ET CONTENU
5.1 Disponibilité
- Le service Mobile Money est disponible 7 jours sur 7, 24 heures sur 24 sous réserve de la disponibilité d'accepteurs lorsque la transaction souhaitée en nécessite un.
- Néanmoins, le service peut être momentanément inaccessible afin de réaliser des opérations d'actualisation, de sauvegarde ou de maintenance, ou en raison de défaillance des réseaux de communication utilisés. Dans ces hypothèses, MTN Mobile Money S.A en informera le PORTEUR par message SMS, sauf dans les cas de défaillance du réseau téléphonique empêchant toute communication,
- D'une manière générale, le PORTEUR reconnaît que la disponibilité du Service ne saurait s'entendre de manière absolue, et qu'un certain nombre de défaillances, de retards ou de défauts de performance peuvent intervenir indépendamment de la volonté de MTN Mobile Money S.A ou de AREEBA GUINEE, compte tenu de la structure du réseau Internet ou GSM et des spécificités liées au Service MTN Mobile Money.
- MTN Mobile Money S.A pourra, à tout moment et sans préavis, suspendre le service MTN Mobile Money en cas de risque supposé ou avéré de la confidentialité du Service.
5.2 Cas fortuit et force majeure
- MTN Mobile Money S.A ne pourra être tenue pour responsable de tout cas fortuit ou de force majeure, rendant impossible l'exécution de ses obligations, soit partiellement, soit en totalité, dont elle n'aura pu, malgré ses diligences, empêcher la survenance.
- La force majeure, entendue dans les présentes, est celle habituellement qualifiée par les tribunaux tel à titre d'exemple le dysfonctionnement ou l'interruption totale ou partielle des réseaux de communication tel qu'Internet, GSM ou indépendant.
- Les cas de force majeure suspendront l'exécution des présentes Conditions Générales. En conséquence, le Service MTN MOBILE MONEY sera suspendu.
- Si la durée de la force majeure entraîne la suspension du Service MTN Money pendant une durée supérieure à trois (3) mois, les présentes Conditions Générales seront résiliées de plein droit, sans indemnisation aucune au profit du PORTEUR. Ce dernier pourra obtenir en revanche, le remboursement de la monnaie non utilisée conformément à l'article 12 du présent contrat.
ARTICLE 6 : REMBOURSEMENT
6.1. Conditions de remboursement
Pendant la période de validité de l'instrument de paiement électronique, le PORTEUR pourra demander le remboursement des unités de monnaie électronique non utilisées. La demande doit être faite par courrier écrit adressé à MTN Mobile Money S.A à l’adresse suivante :
MTN Mobile Money S.A., Almamya, Commune de Kaloum, B.P. 3237 Conakry Tel : 664222222
La demande de remboursement devra porter sur une somme supérieure ou égale Dix Mille (10 000) Francs Guinéens
6.2. Délai de remboursement
Le remboursement sera effectué sans frais et à la valeur nominale. Le PORTEUR devra se rendre pour se faire payer auprès de toutes les agences MTN Mobile Money, où il pourra percevoir les sommes qui lui reviennent.
ARTICLE 7 : RESPONSABILITES
7.1 Responsabilités du PORTEUR
- Le PORTEUR reconnaît être seul responsable des préjudices financiers qui pourraient être causés par l'utilisation abusive de son téléphone portable et de son code secret.
- Le PORTEUR reconnaît être seul responsable du préjudice monétaire subi en cas d'erreur commise par lui dans la transmission des coordonnées du Bénéficiaire du Transfert de fonds. Dans le cadre du Service Mobile Money, MTN Mobile Money S.A ne dispose d'aucun moyen pour vérifier que l'identité du Bénéficiaire désigné correspond à la personne à laquelle le Porteur souhaite transférer des fonds.
- Le PORTEUR est responsable de toutes les conséquences qui résulteraient d'une erreur de transmission ou de manipulation de sa part.
- Tout ordre de Transfert de fonds passé à partir du téléphone portable du PORTEUR, authentifié au moyen de son code secret, est réputé être effectué par lui sauf opposition formulée conformément à l'article 4 du présent contrat.
- Le PORTEUR supportera seul les éventuels préjudices résultant d'ordres de Transferts de fonds passés à partir de son code secret, lorsqu’ aucune opposition n'aura été enregistrée à la suite de la perte, au vol ou l'utilisation frauduleuse de la SIM et du Code secret support du portemonnaie électronique ou dont l'opposition téléphonique n'aura pas été confirmée par écrit. Il en sera de même lorsque l’opposition bien que formulée, est tardive à l’utilisation de la SIM ou du code secret au préjudice du PORTEUR.
7.2 Responsabilités de MTN Mobile Money S.A
- MTN Mobile Money S.A n'assume aucune responsabilité lorsque l'inexécution de ses obligations résulte d'un cas de force majeure, notamment en cas d'interruption du Service liée à des problèmes de transport des informations.
- MTN Mobile Money S.A n'est pas responsable des conséquences résultant d'un défaut de sécurité (matériel ou logiciel) de l'état du terminal de connexion (ordinateur, téléphone mobile) utilisé par le PORTEUR.
- MTN Mobile Money S.A n'est pas responsable des éventuels litiges, plaintes, contestations et autres différends qui pourraient survenir entre le PORTEUR et les bénéficiaires de ses transferts de fonds ou le PORTEUR et son opérateur de téléphonie mobile.
- MTN Mobile Money S.A ne sera tenue responsable que pour des pertes directes encourues par le PORTEUR dues au mauvais fonctionnement du système de paiement sur lequel elle a un contrôle direct. Toutefois, MTN Mobile Money S.A ne sera pas tenue responsable des pertes dues à une panne technique du système de paiement si celle-ci a été signalée au PORTEUR par un message sur son téléphone portable ou par tout autre moyen visible.
- La responsabilité de MTN Mobile Money S.A suite à l'exécution erronée d'une opération sera limitée au montant principal de la transaction. Cette responsabilité n’aura pas lieu lorsque le PORTEUR aura contribué de façon avérée de quelque manière que ce soit à la commission de la faute.
ARTICLE 8 : JUSTIFICATIFS DES TRANSACTIONS
- Les Parties conviennent que pour la validation des ordres de transfert de fonds, de retrait d'espèces ou de paiement de factures, des données et informations pourront être échangées à partir d'un support électronique ou d'un téléphone portable, et transiter par des réseaux de transmission électronique (courriers électroniques) ou de téléphonie mobile (SMS), sans avoir recours à l'utilisation du support papier.
- Les Parties acceptent de ne pas contester le contenu, la fiabilité, l'intégrité ou la valeur probante des données et informations contenues dans tout document électronique (notamment courrier électronique ou SMS) au seul motif que ce document est établi sur un support électronique et transmis par voie électronique ou par réseau de téléphonie mobile.
- Les Parties conviennent que les communications par lesquelles une transaction est dénouée constituent les preuves de la passation de ces ordres. A cet égard, MTN Mobile Money S.A procèdera à un archivage et à un enregistrement de toutes données et informations relatives aux transactions sur un support fiable dans un délai maximum de cinq (5 ans) à compter de la date de la transaction.
ARTICLE 9 : RÉCLAMATIONS
Le PORTEUR peut présenter des réclamations par appel téléphonique en appelant le service client au 111 pendant les horaires d'ouverture ou physiquement dans les agences MTN Mobile Money S.A.
La prise en charge de la réclamation faite au téléphone sera soumise à une procédure d'authentification du Porteur. Le Porteur n'ayant pas réussi cette authentification sera tenu de se rendre à une agence de MTN Mobile Money S.A. Les réclamations sur transactions ne seront prises en compte que lorsqu'elles sont faites dans un délai de deux (2) jours maximums, à compter de la date de l'opération contestée.
Toute réclamation justifiée, dans le délai ci-dessus, ouvre droit à régularisation dans les limites du montant de la transaction objet de la réclamation dans un délai qui ne puisse excéder trente (30) jours.
ARTICLE 10 : CONDITIONS FINANCIÈRES
Les conditions financières du service Mobile Money sont mentionnées dans la brochure tarifaire qui sera remise au PORTEUR à la signature du présent contrat ou affichées dans les locaux des agences ou banques partenaires y compris les agences et points de ventes AREEBA Guinée S.A et MTN Mobile Money S.A.
ARTICLE 11 : SANCTIONS
Tout usage abusif ou frauduleux du service Mobile Money expose le PORTEUR aux sanctions pénales prévues par la législation applicable en République de Guinée et entraîne la résiliation immédiate du contrat sans préavis ni réclamations.
ARTICLE 12 : MODIFICATIONS DU CONTRAT
- Il est expressément convenu entre le Porteur et MTN Mobile Money S.A, que celle-ci se réserve le droit de modifier à tout moment, pour des raisons notamment techniques, financières et/ou de sécurité, les conditions d'exécution du Service Mobile Money, y compris les modalités de réalisation des Transferts de fonds.
- il est attendu que toute modification dans l’exécution du service Mobile Money n’entrera en vigueur qu’après informations préalables du PORTEUR conformément à la règlementation en vigueur.
ARTICLE 13 : ENTREE EN VIGUEUR, DUREE
Le présent contrat et ses conditions Générales sont pour une durée indéterminée et ils entrent en vigueur à compter de leurs signatures par chaque partie.
ARTICLE 14 : RESILIATION
Le contrat peut être résilié soit du fait de MTN Mobile Money S.A soit du fait du PORTEUR.
Du fait de MTN Mobile Money S.A
Tout manquement par le PORTEUR à l’une des obligations mises à sa charge dans le cadre de l’exécution du présent contrat et conditions générales, entraînera la rupture immédiate et de plein droit du présent contrat.
Du fait du PORTEUR
Le Porteur en respectant un délai de préavis de Quatre Vingt Dix (90) jours minimums pourra mettre fin aux présentes par courriers adressé à MTN Mobile Money S.A.
La monnaie électronique non utilisée détenue par le PORTEUR fera l’objet d’un remboursement par MTN Mobile Money S.A, à sa valeur nominale, sans frais dans un délai maximum de Soixante Douze (72) heures. Ce remboursement ne sera accordé que pour les crédits supérieurs à Dix Mille (10 000) Francs Guinéens.
ARTICLE 15 : IMPOTS ET FRAIS
Les parties conviennent que tous impôts et taxes auxquels les transactions opérées dans le cadre du service Mobile Money seront appliqués conformément à la règlementation en vigueur
ARTICLE 16 : REGLEMENT DES LITIGES
La validité du présent contrat et toutes autres questions ou litiges relatifs à sa rédaction, à son interprétation, à son exécution ou à sa résiliation, seront régis par les lois en vigueur en République de Guinée.
Un traitement à l’amiable de tous différends découlant du présent contrat sera recherché par les Parties dans les trente (30) jours de leur survenance. Si les Parties ne parviennent pas à un règlement amiable dans ce délai, les différends seront tranchés définitivement suivant le règlement de la Chambre d’Arbitrage de Guinée (CAG), par trois arbitres nommés conformément à ce règlement.
Toutes les sentences rendues lient les Parties qui s’engagent à les exécuter de bonne foi ; elles sont supposées avoir renoncé au recours en annulation devant les juridictions étatiques et à tout recours auquel elles sont en droit de renoncer dans le pays où le tribunal arbitral a son siège.
MTN shall not be held responsible for any injury, loss, expense or damage of any kind whatsoever suffered or incurred by any person who accesses or uses this website (the User) as a result of the User accessing this website, utilising any service offered on this website or relying on any information contained on this website for any reason whatsoever including but not limited to any injury, loss or damage suffered as a result of:
1.1 errors or discrepancies in the information provided
1.2. any unauthorised access of this website by third parties
1.3. any breakdown or failure of any equipment or medium of access to this website.
2. MODIFICATION OF TERMS OF USE
MTN reserves the right, in its sole discretion, to amend (including without limitation, by the addition of new terms and conditions) these Terms of Use at any time and from time to time without notice to you. Any such amendments shall come into effect immediately and automatically. You undertake to review these Terms of Use regularly prior to use of this website for any such amendments.
3. DEFINITIONS
3.1. The following terms shall have the corresponding meanings assigned to them:
3.1.1. Intellectual Property means, collectively, the patents, copyrights (and moral rights), Trade Marks, designs, models, brands, names, tradenames, graphics, icons, hyperlinks, Know-How, trade secrets and any other type of intellectual property (whether registered or unregistered including applications for and rights to obtain or use same) which are owned by, licensed to, used and/or held (whether or not currently) by MTN on or in connection with this website.
3.1.2. Know-How means all the ideas, designs, documents, diagrams, information, devices, technical and scientific data, secret and other processes and methods used by MTN in connection with this website, as well as all available information regarding marketing and promotion of the products and services described in this website, as well as all and any modifications or improvements to any of them.
4. INTERPRETATION
4.1. Unless the context requires otherwise or it is expressly stated to the contrary, any words and phrases:
4.1.1. defined in these Terms of Use will bear the same meaning throughout these Terms of Use;
5. OTHER TERMS AND CONDITIONS
Certain products and/or services offered on this website may be subject to additional terms and conditions as indicated on that part of the website (see Product Terms and Conditions) and your use of those products and/or services will also be subject to those additional terms and conditions governing those relevant products and/or services. To the extent that those additional terms and conditions conflict with these Terms of Use, then those additional terms and conditions shall take precedence.
Chaque fois qu’ils seront utilisés dans le présent contrat ou en relation avec son exécution, les termes suivants auront le sens défini ci-après :
PORTEUR : Abonné au service MTN Mobile Money en vertu des présentes, et détenteur de la monnaie électronique pour son propre compte.
MTN : désigne la marque par laquelle est commercialisée les produits et services Mobile Money et AREEBA Guinée S.A.
Mobile Money ou MoMo : est le nom sous lequel est commercialisé les produits et services objet des présentes.
Marchand : Tout commerçant, personne physique ou morale, fournisseur de biens et services, agréé par MTN Mobile Money S.A et habilité à encaisser les dépôts et à effectuer les retraits des PORTEURS et/ou acceptant la monnaie électronique comme moyen de paiement.
Monnaie Electronique : la Valeur monétaire représentant la créance sur l'émetteur, qui est :
- stockée sur un support électronique y compris magnétique (téléphone portable ou carte Sim) ;
- émise contre remise de fond de valeur égale ;
- acceptée comme moyen de paiement par des entreprises autres que l'émetteur.
ARTICLE 2 : OBJET DU SERVICE MOBILE MONEY
Mobile Money est un service innovant permettant à l'échelle nationale, d'effectuer des transactions financières relativement simples à partir du téléphone mobile et d'Internet
Les fonctionnalités potentielles de Mobile Money sont :
- le transfert d'argent (de compte à compte, de compte à cash, de cash à cash) ;
- l'alimentation du compte Mobile Money du PORTEUR avec la monnaie électronique auprès des établissements distributeur de monnaie électronique et de toutes agences MTN Mobile Money S.A
- encaissement et retrait de monnaie en espèce auprès des établissements distributeurs de monnaie électronique et de toutes agences des banques partenaire de MTN Mobile Money S.A
- le paiement des factures,
- l'achat de minutes de communication.
ARTICLE 3 : CONDITIONS DE SOUSCRIPTION ET D'UTILISATION DU SERVICE MTN MOBILE MONEY S.A PAR LE PORTEUR
3.1 Conditions de souscription
- Pour bénéficier du service Mobile Money, il faut :
- Etre âgé de 18 ans révolus ;
- Etre abonné chez l'opérateur de téléphonie AREEBA-Guinée S.A,
- Avoir signé le formulaire de souscription à Mobile Money et y avoir joint un support d’identité valide
- Avoir signé les présentes conditions d'utilisation qui régissent les relations contractuelles entre MTN Mobile Money S.A et l'utilisateur du service
Des dérogations peuvent être accordées pour les mineurs justifiant de leur maturité et assistés par leurs parents.
3.2 Utilisation du service
3.2.1 Alimentation du porte-monnaie électronique
L'alimentation du portemonnaie électronique du PORTEUR se fait contre remise de monnaie en espèce auprès d'une agence de MTN Mobile Money S.A, de AREEBA Guinée S.A, d’un Marchand agrée par MTN Mobile Money S.A ou les banques partenaires de MTN Mobile Money S.A.
Le PORTEUR n'est donc pas tenu de disposer d'un compte bancaire pour pouvoir utiliser le service Mobile Money.
3.2.2 Transfert d'argent
De compte à compte
Il s'agit du transfert d'argent d'un utilisateur Mobile Money vers un autre utilisateur du même service, ou d’un autre service conformément à la règlementation en vigueur.
De compte à cash
Il s'agit du transfert d'argent d'un utilisateur Mobile Money vers un non utilisateur Mobile Money.
Le non abonné devra alors se rendre dans une agence de MTN Mobile Money S.A ou chez un Marchand agrée par ladite société.
3.2.3 L'encaissement d'argent
Le PORTEUR pourra à sa guise procéder à l'encaissement et au décaissement de la monnaie électronique qu'il détient en se rendant à une agence de MTN Mobile Money ou chez un Marchand agrée par ladite société
3.2.4 Le paiement de facture
Cette transaction permettra au PORTEUR de régler depuis son portable ou via Internet, ses consommations auprès des facturiers agréés.
3.2.5 L'achat de minutes de communication
Le PORTEUR pourra procéder via son portable ou Internet ou encore son compte bancaire selon le cas à l'achat de minutes de communication auprès de la société AREEBA Guinée S.A.
Les transactions effectuées via Mobile Money sont exécutées -dans les limites du crédit disponible sur le portemonnaie électronique (support de l'opération).
Le PORTEUR doit, préalablement à chaque transaction s'assurer de l'existence dans son porte-monnaie électronique de la provision suffisante et disponible. A défaut, la transaction ne pourra pas être faite.
Le PORTEUR doit s'assurer de la saisie correcte des données de toutes transactions qu'il effectue.
Les transactions effectuées via Mobile Money sont exécutées dans le respect de la réglementation applicable en République de Guinée, notamment la règlementation des Etablissement de Monnaie Electronique.
3.2.6 Limitation du montant des transactions
Limitation dans la balance
Le montant plafond de la balance du porte-monnaie électronique du PORTEUR est fixé à Cinquante millions (50 000 000) de Francs Guinéens.
Limitation dans les transferts
Le montant maximum pour une opération de transfert est fixé à dix Millions (10 000 000) de Francs Guinéens.
Toutefois ces limites sont susceptibles de modification sans préavis en fonction des exigences du marché ou du régulateur, MTN Mobile Money S.A s’efforcera dans ce cas à communiquer au PORTEUR les nouveaux changements dans un délai raisonnable
ARTICLE 4 : CODE SECRET PERSONNEL
4.1 Attribution et utilisation du code
Le PORTEUR saisira sur son Mobile, le jour de sa souscription un code personnel à 5 caractères numériques.
Il s'engage à garder secret son code personnel et à ne pas le communiquer à qui que ce soit. Le PORTEUR prendra donc toutes les mesures propres à assurer la sécurité de son code personnel. Il doit veiller à ne pas l'enregistrer dans la mémoire de son téléphone portable ou sur tout autre support accessible aux tiers. Il s'engage à détruire les messages dans lesquels figurera son code secret.
Ce code est indispensable dans l'utilisation des services Mobile Money, conçus de façon qu'aucune opération ne puisse être effectuée sans mise en œuvre de ce code secret. Le PORTEUR garantit qu’il est l'auteur de tout ordre émis et transmis au service Mobile Money à travers l’usage de son code secret.
Les transferts d'argent et les paiements faits au moyen de l’usage du code secret du PORTEUR sont considérés exclusivement être effectués par le PORTEUR. Lesdits transferts et paiements sont irrévocables et insusceptibles de recours en remboursement ou en annulation de la transaction.
Le nombre d'essai successif de composition du code secret est impérativement limité à trois (3). Après le troisième essai infructueux, le PORTEUR sans pouvoir engager la responsabilité de MTN Mobile Money S.A court le risque d'invalidation du code. En cas d’invalidation du code, le PORTEUR devra contacter le service client de MTN Mobile Money S.A pour la réinitialisation du code secret. Il lui sera alors demandé de choisir un nouveau code secret pour continuer à utiliser le service.
Le PORTEUR sans pouvoir engager la responsabilité de MTN Mobile Money SA, a la possibilité de réinitialiser lui-même son code secret à condition que son solde ne dépasse dix mille francs guinéens (10.000 fg). Le PORTEUR dont le solde dépasse dix mille francs guinéens (10.000 fg), pourra réinitialiser son code secret à travers la réception d’une notification OTP qui lui est directement envoyer par MTN Mobile Money SA.
4.2 Opposition
L'ordre ou l'engagement de payer donner au moyen de Mobile Money est irrévocable.
Toutefois, il peut être fait opposition au paiement en cas de survenance d’un cas de force majeure survenue avant le paiement effectif.
Par force majeure il s’agit de toute cause à la fois extérieure à la volonté des parties, imprévisible et irrésistible, à savoir une inondation, un glissement de terrain, un incendie, un tremblement de terre, une guerre, des troubles sociaux ou autres sinistres rendant les lieux inhabitables :
L'opposition doit être faite par appel téléphonique ou par écrit dans les vingt-quatre (24) heures ouvrées suivant la survenance de l’évènement. Pour être valable, l'opposition doit être confirmée par le PORTEUR muni de toutes pièces justificatives (déclaration de perte ou de vol contresignées par les autorités policières compétences).
L'opposition doit être faite au service client joignable au numéro 111 pendant les horaires d'ouverture.
ARTICLE 5 : DISPONIBILITE DU SERVICE ET CONTENU
5.1 Disponibilité
- Le service Mobile Money est disponible 7 jours sur 7, 24 heures sur 24 sous réserve de la disponibilité d'accepteurs lorsque la transaction souhaitée en nécessite un.
- Néanmoins, le service peut être momentanément inaccessible afin de réaliser des opérations d'actualisation, de sauvegarde ou de maintenance, ou en raison de défaillance des réseaux de communication utilisés. Dans ces hypothèses, MTN Mobile Money S.A en informera le PORTEUR par message SMS, sauf dans les cas de défaillance du réseau téléphonique empêchant toute communication,
- D'une manière générale, le PORTEUR reconnaît que la disponibilité du Service ne saurait s'entendre de manière absolue, et qu'un certain nombre de défaillances, de retards ou de défauts de performance peuvent intervenir indépendamment de la volonté de MTN Mobile Money S.A ou de AREEBA GUINEE, compte tenu de la structure du réseau Internet ou GSM et des spécificités liées au Service MTN Mobile Money.
- MTN Mobile Money S.A pourra, à tout moment et sans préavis, suspendre le service MTN Mobile Money en cas de risque supposé ou avéré de la confidentialité du Service.
5.2 Cas fortuit et force majeure
- MTN Mobile Money S.A ne pourra être tenue pour responsable de tout cas fortuit ou de force majeure, rendant impossible l'exécution de ses obligations, soit partiellement, soit en totalité, dont elle n'aura pu, malgré ses diligences, empêcher la survenance.
- La force majeure, entendue dans les présentes, est celle habituellement qualifiée par les tribunaux tel à titre d'exemple le dysfonctionnement ou l'interruption totale ou partielle des réseaux de communication tel qu'Internet, GSM ou indépendant.
- Les cas de force majeure suspendront l'exécution des présentes Conditions Générales. En conséquence, le Service MTN MOBILE MONEY sera suspendu.
- Si la durée de la force majeure entraîne la suspension du Service MTN Money pendant une durée supérieure à trois (3) mois, les présentes Conditions Générales seront résiliées de plein droit, sans indemnisation aucune au profit du PORTEUR. Ce dernier pourra obtenir en revanche, le remboursement de la monnaie non utilisée conformément à l'article 12 du présent contrat.
ARTICLE 6 : REMBOURSEMENT
6.1. Conditions de remboursement
Pendant la période de validité de l'instrument de paiement électronique, le PORTEUR pourra demander le remboursement des unités de monnaie électronique non utilisées. La demande doit être faite par courrier écrit adressé à MTN Mobile Money S.A à l’adresse suivante :
MTN Mobile Money S.A., Almamya, Commune de Kaloum, B.P. 3237 Conakry Tel : 664222222
La demande de remboursement devra porter sur une somme supérieure ou égale Dix Mille (10 000) Francs Guinéens
6.2. Délai de remboursement
Le remboursement sera effectué sans frais et à la valeur nominale. Le PORTEUR devra se rendre pour se faire payer auprès de toutes les agences MTN Mobile Money, où il pourra percevoir les sommes qui lui reviennent.
ARTICLE 7 : RESPONSABILITES
7.1 Responsabilités du PORTEUR
- Le PORTEUR reconnaît être seul responsable des préjudices financiers qui pourraient être causés par l'utilisation abusive de son téléphone portable et de son code secret.
- Le PORTEUR reconnaît être seul responsable du préjudice monétaire subi en cas d'erreur commise par lui dans la transmission des coordonnées du Bénéficiaire du Transfert de fonds. Dans le cadre du Service Mobile Money, MTN Mobile Money S.A ne dispose d'aucun moyen pour vérifier que l'identité du Bénéficiaire désigné correspond à la personne à laquelle le Porteur souhaite transférer des fonds.
- Le PORTEUR est responsable de toutes les conséquences qui résulteraient d'une erreur de transmission ou de manipulation de sa part.
- Tout ordre de Transfert de fonds passé à partir du téléphone portable du PORTEUR, authentifié au moyen de son code secret, est réputé être effectué par lui sauf opposition formulée conformément à l'article 4 du présent contrat.
- Le PORTEUR supportera seul les éventuels préjudices résultant d'ordres de Transferts de fonds passés à partir de son code secret, lorsqu’ aucune opposition n'aura été enregistrée à la suite de la perte, au vol ou l'utilisation frauduleuse de la SIM et du Code secret support du portemonnaie électronique ou dont l'opposition téléphonique n'aura pas été confirmée par écrit. Il en sera de même lorsque l’opposition bien que formulée, est tardive à l’utilisation de la SIM ou du code secret au préjudice du PORTEUR.
7.2 Responsabilités de MTN Mobile Money S.A
- MTN Mobile Money S.A n'assume aucune responsabilité lorsque l'inexécution de ses obligations résulte d'un cas de force majeure, notamment en cas d'interruption du Service liée à des problèmes de transport des informations.
- MTN Mobile Money S.A n'est pas responsable des conséquences résultant d'un défaut de sécurité (matériel ou logiciel) de l'état du terminal de connexion (ordinateur, téléphone mobile) utilisé par le PORTEUR.
- MTN Mobile Money S.A n'est pas responsable des éventuels litiges, plaintes, contestations et autres différends qui pourraient survenir entre le PORTEUR et les bénéficiaires de ses transferts de fonds ou le PORTEUR et son opérateur de téléphonie mobile.
- MTN Mobile Money S.A ne sera tenue responsable que pour des pertes directes encourues par le PORTEUR dues au mauvais fonctionnement du système de paiement sur lequel elle a un contrôle direct. Toutefois, MTN Mobile Money S.A ne sera pas tenue responsable des pertes dues à une panne technique du système de paiement si celle-ci a été signalée au PORTEUR par un message sur son téléphone portable ou par tout autre moyen visible.
- La responsabilité de MTN Mobile Money S.A suite à l'exécution erronée d'une opération sera limitée au montant principal de la transaction. Cette responsabilité n’aura pas lieu lorsque le PORTEUR aura contribué de façon avérée de quelque manière que ce soit à la commission de la faute.
ARTICLE 8 : JUSTIFICATIFS DES TRANSACTIONS
- Les Parties conviennent que pour la validation des ordres de transfert de fonds, de retrait d'espèces ou de paiement de factures, des données et informations pourront être échangées à partir d'un support électronique ou d'un téléphone portable, et transiter par des réseaux de transmission électronique (courriers électroniques) ou de téléphonie mobile (SMS), sans avoir recours à l'utilisation du support papier.
- Les Parties acceptent de ne pas contester le contenu, la fiabilité, l'intégrité ou la valeur probante des données et informations contenues dans tout document électronique (notamment courrier électronique ou SMS) au seul motif que ce document est établi sur un support électronique et transmis par voie électronique ou par réseau de téléphonie mobile.
- Les Parties conviennent que les communications par lesquelles une transaction est dénouée constituent les preuves de la passation de ces ordres. A cet égard, MTN Mobile Money S.A procèdera à un archivage et à un enregistrement de toutes données et informations relatives aux transactions sur un support fiable dans un délai maximum de cinq (5 ans) à compter de la date de la transaction.
ARTICLE 9 : RÉCLAMATIONS
Le PORTEUR peut présenter des réclamations par appel téléphonique en appelant le service client au 111 pendant les horaires d'ouverture ou physiquement dans les agences MTN Mobile Money S.A.
La prise en charge de la réclamation faite au téléphone sera soumise à une procédure d'authentification du Porteur. Le Porteur n'ayant pas réussi cette authentification sera tenu de se rendre à une agence de MTN Mobile Money S.A. Les réclamations sur transactions ne seront prises en compte que lorsqu'elles sont faites dans un délai de deux (2) jours maximums, à compter de la date de l'opération contestée.
Toute réclamation justifiée, dans le délai ci-dessus, ouvre droit à régularisation dans les limites du montant de la transaction objet de la réclamation dans un délai qui ne puisse excéder trente (30) jours.
ARTICLE 10 : CONDITIONS FINANCIÈRES
Les conditions financières du service Mobile Money sont mentionnées dans la brochure tarifaire qui sera remise au PORTEUR à la signature du présent contrat ou affichées dans les locaux des agences ou banques partenaires y compris les agences et points de ventes AREEBA Guinée S.A et MTN Mobile Money S.A.
ARTICLE 11 : SANCTIONS
Tout usage abusif ou frauduleux du service Mobile Money expose le PORTEUR aux sanctions pénales prévues par la législation applicable en République de Guinée et entraîne la résiliation immédiate du contrat sans préavis ni réclamations.
ARTICLE 12 : MODIFICATIONS DU CONTRAT
- Il est expressément convenu entre le Porteur et MTN Mobile Money S.A, que celle-ci se réserve le droit de modifier à tout moment, pour des raisons notamment techniques, financières et/ou de sécurité, les conditions d'exécution du Service Mobile Money, y compris les modalités de réalisation des Transferts de fonds.
- il est attendu que toute modification dans l’exécution du service Mobile Money n’entrera en vigueur qu’après informations préalables du PORTEUR conformément à la règlementation en vigueur.
ARTICLE 13 : ENTREE EN VIGUEUR, DUREE
Le présent contrat et ses conditions Générales sont pour une durée indéterminée et ils entrent en vigueur à compter de leurs signatures par chaque partie.
ARTICLE 14 : RESILIATION
Le contrat peut être résilié soit du fait de MTN Mobile Money S.A soit du fait du PORTEUR.
Du fait de MTN Mobile Money S.A
Tout manquement par le PORTEUR à l’une des obligations mises à sa charge dans le cadre de l’exécution du présent contrat et conditions générales, entraînera la rupture immédiate et de plein droit du présent contrat.
Du fait du PORTEUR
Le Porteur en respectant un délai de préavis de Quatre Vingt Dix (90) jours minimums pourra mettre fin aux présentes par courriers adressé à MTN Mobile Money S.A.
La monnaie électronique non utilisée détenue par le PORTEUR fera l’objet d’un remboursement par MTN Mobile Money S.A, à sa valeur nominale, sans frais dans un délai maximum de Soixante Douze (72) heures. Ce remboursement ne sera accordé que pour les crédits supérieurs à Dix Mille (10 000) Francs Guinéens.
ARTICLE 15 : IMPOTS ET FRAIS
Les parties conviennent que tous impôts et taxes auxquels les transactions opérées dans le cadre du service Mobile Money seront appliqués conformément à la règlementation en vigueur
ARTICLE 16 : REGLEMENT DES LITIGES
La validité du présent contrat et toutes autres questions ou litiges relatifs à sa rédaction, à son interprétation, à son exécution ou à sa résiliation, seront régis par les lois en vigueur en République de Guinée.
Un traitement à l’amiable de tous différends découlant du présent contrat sera recherché par les Parties dans les trente (30) jours de leur survenance. Si les Parties ne parviennent pas à un règlement amiable dans ce délai, les différends seront tranchés définitivement suivant le règlement de la Chambre d’Arbitrage de Guinée (CAG), par trois arbitres nommés conformément à ce règlement.
Toutes les sentences rendues lient les Parties qui s’engagent à les exécuter de bonne foi ; elles sont supposées avoir renoncé au recours en annulation devant les juridictions étatiques et à tout recours auquel elles sont en droit de renoncer dans le pays où le tribunal arbitral a son siège.
These are the terms and conditions upon which you may use the MTN MoMo services provided by MTN Mobile Money (Zambia) Limited, the acceptance of which constitutes a binding contract between yourself and MTN Zambia. When you register as an MTN MoMo (MoMo) Customer by signing the Registration Form annexed hereto you agree to abide by these conditions of use. You therefore need to read and fully understand the conditions of use and if you do not agree, please do not proceed to register for and/or use the MTN MoMo services.
2. Application for account
2.1 Any MTN customer may register for the MTN MoMo service provided the Customer has an active MTN SIM.
2.2 You will also be liable to pay applicable Tariffs for your use of the MTN MoMo services and such Tariffs may be deducted directly from your MTN MoMo account.
2.3 You may register for MTN MoMo services with any recognized MTN MoMo Agent in the Republic of Zambia.
2.4 All information provided must be complete and accurate in all respects.
2.5 MTN Zambia may decline your application at our sole discretion.
2.6 MTN Zambia may refuse to open an Account for you if MTN Zambia are not satisfied with proof of your identity.
Upon registration and activation of your MTN MoMo account you will be requested to create an MTN MoMo PIN which must be kept secret at all times – for any MTN MoMo transaction you perform you will be required to input your MTN MoMo PIN. Your identity will be validated based on your identity card details, as well as any other account details which may be needed whenever you contact the support team(s), however your PIN WILL NEVER BE USED as a basis for validation and confirmation of your identity.
3. The MTN MoMo services
3.1 The MTN MoMo services are made available to you subject to these Conditions of Use.
3.1.1 Although MTN Zambia will ensure that you are able to make full use of the Network to access MTN MoMo services within the coverage area. MTN Zambia does not guarantee that the MTN MoMo services will be available at all time and MTN Zambia will not be responsible or liable for any loss whatsoever or howsoever arising as a consequence of any non-availability of the MTN MoMo services. The MTN MoMo services are not fault free and factors including (but not limited to) acts of God, geographical topography, weather conditions, planned maintenance or rectification work on the Network may Interfere adversely with the quality and provision of the MTN MoMo services.
3.1.2 In the event of damage to, loss or theft of the SIM, you are obliged to inform us immediately of such damage, loss, or theft. MTN Zambia will then disable the lost or stolen SIM Card so as to prevent further use of the MTN MoMo services until the SIM card has beenreplaced. A replacement fee will be applicable, and you will be responsible for all Charges and transactions effected up to the time of receipt by us of your notification of the damage, loss, or theft. Notification of any such damage, loss or theft may be given by telephoning the Customer Care Center. YOU will be required to indemnify us against any claims made in respect of any transactions effected with your mobile phone and SIM prior to such notification being received.
3.1.3 You are advised that for reasons beyond our control, there is a risk that your communications may be unlawfully intercepted or accessed by those other than the intended recipient. MTN Zambia cannot accept any liability for any loss, injury, or damage whether direct or consequential arising out of any such compromise of confidentiality.
3.2 You must comply with any instructions that MTN Zambia may give you from time to time about the MTN MoMo services.
3.3 With the exception of calls made to our Customer Service Help line and to other designated toll-free numbers all calls will be charged according to applicable tariff plans.
3.4 Your calls, mails or SMS’s may be monitored or recorded for use in business practices such as quality control, training, ensuring effective system operation, prevention of un-authorized use of our telecommunications system and detection and prevention of crime.
3.5 MTN MoMo users are not charged for the telecommunication services (I.e. SMS or USSD session) utilized to carry out the transaction.
4. Acceptance and commencement of conditions of use
You are deemed to have accepted these Conditions of Use as amended from time to time and which take effect upon registration and/or upon the initial activation of your MTN MoMo Account.
5. Suspension or disconnection of the services and closure of the MoMo account
5.1 MTN Zambia may suspend (bar), restrict or terminate the provision of the MTN MoMo services (in whole or part) and/or close your Account without Informing you and without any liability whatsoever (although, MTN Zambia will, where possible, try to inform you that such action is or may be taken) under the following circumstances:
5.1.1 If MTN Zambia are aware or have reason to believe that your Mobile equipment or MSISDN/ MoMo PIN number used in relation to the MTN MoMo services is/are being used in an un-authorized, unlawful, improper or fraudulent manner or for criminal activities (or has been so used previously);
5.1.2 If you do not comply with any of the conditions relating to the MTN MoMo services Including these conditions of use;
5.1.3 If you notify MTN Zambia that your Mobile Equipment has been lost or stolen or your MTN MoMo PIN has been lost or disclosed to any other party;
5.1.4 If you do anything (or allow anything to be done) with your Mobile Equipment which MTN think may damage or affect the operation or security of the Network or the MTN MoMo services;
5.1.5 For reasons outside of our control;
5.1.6 Where MTN Zambia close your Account under Clause 5.2.
5.2 To access the MTN MoMo services, your SIM must be operational (“active”) at all times. If your SIM is inactive for a consecutive period of 3 months your MTN SIM card may be deactivated by MTN and if the MoMo account is inactive for 24 months the account will be closed and any funds therein remitted to the Bank of Zambia in line with the Directives on E-money issuance.
5.3 MTN Zambia will also close your account upon receipt of your request to close your Account.
5.4 Where the use of your MTN MoMo PIN has been suspended or disconnected or your Account closed any Credit balance in your Account will be repaid to you in cash upon your presenting yourself at our Customer Care Centers. You will only be paid any Credit Balance in cash upon satisfactory evidence of your identity being produced.
Any amount owed to you may be converted to airtime and credited into your MTN Airtime account on your request
5.6 MTN Zambia will not be responsible to you for any direct, indirect, consequential, or special damages arising from any act or omission by MTN Zambia or any third party for whom MTN Zambia is responsible, whether arising in contract or statute if MTN Zambia closes or suspends your Account In terms of this Clause 6.
6. Tariffs
6.1 All tariffs as published are payable for each transaction effected from your account. The Tariff Guide is available from MTN Zambia’s Customer Service Centers or by accessing the MTN Zambia website.
6.2 Tariffs payable on each transaction will be deducted from your MTN MoMo Account on conclusion of each transaction and your new balance on conclusion of the transaction shall be notified to you by SMS.
6.3 All tariffs are subject to other applicable levies at the then prevailing rates.
6.4 All charges payable by you in connection with the use of the MTN MoMo services may be debited from your Account without further reference to you.
7. Transactions
7.1 All transactions will be in Zambian Kwacha.
7.2 All debit transactions from your Account will be effected by transfer instructions authorized with the MTN MoMo PIN which you select when you register, or by such other method MTN may prescribe from time to time.
7.3 Your Account will be credited when you purchase MTN Mobile Money by making payments or when MTN MoMo is transferred to your MTN MoMo Account from another Customer and all such amounts will be held in a Trust Account to your order.
7.4 You may not effect any transactions from your Account in the event that you do not have sufficient MTN MoMo in your Account to meet the value of the transaction and Charges applicable thereto.
7.5 The MTN MoMo system will verify and confirm all transactions effected from your Account by SMS to you. The MTN MoMo System records will be taken as correct unless the contrary is proved.
7.6 On being provided with an Account, you will be able to effect the following transactions,
7.6.1 A Credit transaction by making a Payment In cash directly to an Agent in exchange for an equivalent amount of MTN MoMo to be credited into your Account. Upon a Credit transaction being made, the MTN MoMo System shall credit your Account accordingly.
7.6.2 A Debit transaction by the exchange of MTN MoMo for cash at any Agent by sending a Transfer instruction to the MTN MoMo System and entering your MTN MoMo PIN on your handset when requested to do so by MTN pursuant to which the Agent will pay the equivalent amount of cash to you;
The transfer of the MTN MoMo to another Customer by sending transfer instructions to the MTN MoMo System for the account of such Custom, specifying the amount to be transferred,
7.6.2.3 The purchase of MTN Prepaid Airtime by sending a recharge instruction to the MTN Mobile Money System and giving a Transfer instruction for the corresponding amount of MTN MoMo to MTN as the designated payee;
7.6.2.4 The purchase of Goods and/or Services from Authorized Retailers by Transfer Instructions via the MTN MoMo System of the amount to be transferred to the Authorized Retailer’s Account in settlement of the Goods and/or Services purchased;
7.6.2.5 Upon any Credit transaction and Debit transaction being effected, the MTN MoMo System shall credit or debit your Account once the Sum is equally credited to, withdrawn, or transferred by you from your Account leg receiving and sending MTN Mobile Money.
7.6.3 The MTN MoMo System will confirm every transaction made by way of SMS together with an updated balance of your Account.
7.6.4 Any Debit transactions given using the MTN MoMo PIN will be charged to the Account. You acknowledge that unless, and until MTN receives notice from you that your MTN MoMo PIN is no longer secure and/or that your Mobile Equipment has been lost or stolen, MTN may rely on the use of the MTN MoMo PIN as conclusive evidence that a Debit transaction has been authorized by you. even if it Is actually made without your authority. MTN shall not require any written confirmation of any transaction instruction.
7.6.5 MTN Zambia is unable to reverse or charge -back any Transfer instruction for any reason including the event of any dispute with any other Customer or an Authorized Retailer. You are responsible for resolving any disputes arising with any other Customer or an Authorized Retailer without recourse to MTN Zambia.
7.6.6 Your Account may only be operated by the use of Agents/Retailers in the Republic of Zambia. 7.6.7 Each transaction is identified by a unique reference number which is used to track and identify all transactions carried out on your Account A confirmation SMS will be sent to you with an updated balance of your Account after each transaction.
8. Money transfer reversal
8.1 You must lodge a complaint of a wrong transfer within 30 days from the date of the incident. Careful investigation will be conducted to establish the claim as part of processing the reversal.
8.2 MTN Zambia will endeavour to effect reversals of a wrong transfer within 5 working days but in any event not later than 15 working days from the date on which a request was made.
8.3 Where the amount in question is fully available in the wallet as the time of receiving the complaint, MTN Zambia shall hold the funds for further investigations. Funds which have been partially withdrawn cannot be held.
8.4 In the event where the amount is not in the wallet, you would be advised accordingly.
8.5 MTN Zambia will take reasonable steps to contact the supposed wrong recipient, through calls and SMS, within 3 working days of receiving a reversal request.
8.6 The wrong recipient must make reasonable efforts to respond to the calls and SMS during the 3 days of contact.
8.7 MTN Zambia will endeavour to perform the reversal after the 3 working days without any feedback from the wrong recipient.
8.8 MTN Zambia does not have any obligation to perform a reversal in the event of any dispute with a designated payee.
8.9 Transaction notification will be sent to bother the sender and receiver upon completion of the reversal.
9. Support
9.1 The company shall provide Customers with service support through any of the following means:9.1.1 Call centre on 303 or 215
9.1.2 Email: MoMoSupport.ZM@mtn.com
9.1.3 Facebook page – MTN ZAMBIA
9.1.4 All Service centres and Connect Stores
9.1.5 Designated Agents Outlets
10. Recourse mechanism
10.1 MTN Mobile Money:
Customers shall submit their complaints via the channels provided in 8.1 above for resolution. Where there is any stalemate or customer not happy with the feedback from the MTN Mobile Money, the customer shall refer the matter to Bank of Zambia within 30 working days.
10.2 Bank of Zambia
The Bank of Zambia shall take up all referred unresolved complaints or disputed decisions by MTN Mobile Money and act as Arbitrator between the parties and give appropriate directives where required.
10.3 Competition and Consumer Protection Commission “CCPC”
Where a party is dissatisfied with the decisions of the bank of Zambia, the aggrieved party may seek redress with the CCPC for resolution.
11. Security and unauthorized use
11.1 Only one MTN MoMo PIN number can be linked to your Account at any time.
11.2 Only you may use your Mobile Phone and MTN MoMo PIN number.
11.3 You are responsible for the safe-keeping and proper use of your Mobile Equipment, for keeping your MTN MoMo PIN and all transactions that take place on your Account using your MTN MoMo PIN. Should you enter an incorrect PIN, after three invalid attempts, you will be locked out of the system for security purposes. To restore access to your account, you can select the self-PIN reset options on the USSD menu, or you can visit the nearest Service Centre, or you can contact customer support on 303.
12. Variations
MTN Zambia reserves the right to vary at any time and without prior notice to you these Conditions of Use or the Tariffs. Variations will be notified by way of advertisement H a daily newspaper, SMS or through MTN Zambia website and or by using any other suitable means provided that you shall be deemed to have been notified of any such variations regardless that the same may not have actually come to your attention.
13. Statements
13.1 You may obtain a balance enquiry from your Mobile Equipment and query any transactions effected using your Mobile Equipment and MTN MoMo PIN at the Customer Call Center.
13.2 MTN Zambia will close your Account on receiving a request from you.
EWALLET TYPE | DAILY LIMIT (TRANSACTIONS AND HOLDING IN ZMW (K)) | MAXIMUM BALANCE IN ZMW (K) | REQUIRED KYC DOCUMENTS |
---|---|---|---|
Individual – Tier 1 | 20, 000.00 | 100, 000 | NRC – Zambians, Passport – foreigners (or other regulator approved documentation e.g. Refugee IDs) |
Individual – Tier 2 | 100, 000 | 500, 000 | As for Tier 1, with the following: Proof of residenceReferral from employer, professional, or confirmation from reputable person such as civic leader, traditional ruler, headmaster, etc |
Merchants – initial profile | 20, 000 | 100, 000 | NRC – Zambians, Passport – foreigners (or other regulator approved documentation e.g. Refugee IDs) for individuals and merchant business due diligence documents – Certificate of Incorporation, etc for corporate merchants |
Agents, Merchants and corporates – basic | 2, 000, 000 | 2, 000, 000 | Full KYC and contract requirements |
Agents, Merchants and corporates – higher limit and unlimited | Unlimited | Unlimited (subject to due diligence requirements) | Full KYC, Enhanced Due Diligence and contract requirements |
Daily limit (transactions and holding in ZMW (K))
20, 000.00
Maximum balance in ZMW (K)
100, 000
Required KYC documents
NRC – Zambians, Passport – foreigners (or other regulator approved documentation e.g. Refugee IDs)
Daily limit (transactions and holding in ZMW (K))
100, 000
Maximum balance in ZMW (K)
500, 000
Required KYC documents
As for Tier 1, with the following: Proof of residenceReferral from employer, professional, or confirmation from reputable person such as civic leader, traditional ruler, headmaster, etc
Daily limit (transactions and holding in ZMW (K))
20, 000
Maximum balance in ZMW (K)
100, 000
Required KYC documents
NRC – Zambians, Passport – foreigners (or other regulator approved documentation e.g. Refugee IDs) for individuals and merchant business due diligence documents – Certificate of Incorporation, etc for corporate merchants
Daily limit (transactions and holding in ZMW (K))
2, 000, 000
Maximum balance in ZMW (K)
2, 000, 000
Required KYC documents
Full KYC and contract requirements
Daily limit (transactions and holding in ZMW (K))
Unlimited
Maximum balance in ZMW (K)
Unlimited (subject to due diligence requirements)
Required KYC documents
Full KYC, Enhanced Due Diligence and contract requirements
Note: Unlimited Ewallets subject to ECDD and other due diligence conditions
1.1. "Account/Wallet" means the account holding the Customer/Subscriber’s funds and through which the Customer/Subscriber is able to carry out transactions.
1.2. "Agent/Retailer" refers to any registered business entity that is authorized to engage in the sale and distribution of MoMo PSB products and services and/or any other authorized similar services as payment for goods and services offered.
1.3. "AML/CFT/CPF"refers to Anti-Money Laundering, Combating the Financing of Terrorism and Combating Proliferation Financing in Banks and Other Financial Institutions in Nigeria as contained in the CBN/AML/CFT/CPT Regulations 2022.
1.4. "BVN" refers to Biometric Verification Number used by the banking industry in Nigeria, advised by the Central Bank of Nigeria (“CBN”) and obtained via approved financial institutions.
1.5. "Credit" means the process by which a subscriber deposits funds into his/her Wallet.
1.6. "Customer" or "Subscriber" means the individual in whose name the Wallet is registered. In addition, the customers are segmented into: individuals, small businesses, merchants, corporates, etc.; and shall mostly be located within the rural, semi-urban, and urban areas, within the territory of the Federal Republic of Nigeria.
1.7. “Debit” means the removal of funds by a Customer/Subscriber from his/her Wallet.
1.8. “GSM” means Global System for Mobile Communications as defined in the European Technical Standards Institute of specifications.
1.9. “KYC” refers to Know Your Customer information acquired pursuant to the various requirements and rules issued under extant laws and by the CBN to procure personal identification details and proof of address documents from the Customer as may be required from time to time for availing and/or continuation of the banking services.
1.10. “KYC Tier” refers to the different levels of Customer KYC as defined by the CBN (please refer to the CBN circular on ‘Three-tiered KYC requirements’ available at the CBN website).
1.11. “MoMo” means the digital payment module made available by MoMo PSB.
1.12. “MoMo PIN” refers to the 4 (four) digit personal identification number created by the Customer which is required for transaction authentication purposes, to carry out transactions and any other activities as permitted on the MoMo PSB platform.
1.13. “NIN” refers to National Identification Number issued by the National Identity Management Commission (NIMC) of the Federal Republic of Nigeria.
1.14. “Personal Information” shall refer to any information relating to an identified or identifiable natural person and as defined under the Nigerian Data Protection Regulation 2019 or any amendment to it.
1.15. “Service/Services” means the MoMo payment service provided by MoMo PSB.
1.16. “SIM Card” means a Subscriber Identification Module (incorporating an International Mobile Subscriber Identifier – ‘IMSI’ and Mobile Station Integrated Services Digital Network – ‘MSISDN’) which when activated by a telecommunications operator provides a Customer/Subscriber using a compatible Terminal Equipment with access to its network.
1.17. “SMS” Short Messaging System commonly referred to as text message.
1.18. “Terminal Equipment” means a terminal and accessories thereto utilized by the Customer/Subscriber to send and/or receive messages and voice calls via a telecommunications network (which is commonly known as the mobile handset).
1.19. “USSD” means Unstructured Supplementary Service Data.
1.20. "We/Us" means MoMo Payment Service Bank, i.e. MoMo PSB.
1.21. "You" means the Customer/Subscriber making use of the Service.
2. THE TERMS AND CONDITIONS
2.1. These are the terms and conditions upon which You may use the Service provided by MoMo PSB, the acceptance of which constitutes a binding contract between yourself and MoMo PSB.
2.2. When You register as a MoMo Customer/Subscriber by signing/completing the registration form provided to You, You agree to abide by these conditions of use of the Service. You therefore need to read and fully understand the conditions of use and if You do not agree to the terms as stated herein, please do not proceed to register for and/or use the Service.
3. THE SERVICE
3.1. The Service is made available subject to these terms and conditions of use.
3.2. You must comply with the instructions that MoMo PSB may give You from time to time about the Services.
3.3. With the exception of calls made to our Customer Service Help Line and other designated toll-free numbers, all calls will be charged according to the applicable tariff plans.
3.4. Your calls, mails or SMS may be monitored or recorded for use in business practices such as quality control training, ensuring effective system operation, prevention of unauthorized use of telecommunications system and detection and prevention of crime.
3.5. Customers will be charged for all the telecommunications services (i.e. SMS or USSD session) utilized to carry out a transaction.
Availability of the Service
3.6. MoMo PSB will reasonably endeavour to make its Services accessible within the coverage area. MoMo PSB does not guarantee that the Services will be available at times.
3.7. MoMo PSB reserves the right to make changes or corrections, after, suspend, discontinue or terminate any aspect of the MoMo PSB platform and Services, and Your access to it, at any time immediately without notice, depending on the circumstances.
3.8. MoMo PSB will not be responsible or liable for any loss whatsoever or howsoever arising as a consequence of any non-availability of the Services. The Services are not fault free and factors including (but not limited to) acts of God, geographical topography, weather conditions, planned maintenance or rectification work on the MoMo PSB platform or regulatory requirements may interfere adversely with the quality and provision of the Services.
Damage, loss, or theft of SIM Card
3.9. In the event of damage to, loss or theft of Your SIM Card, You are obliged to inform Us within 24 (twenty four) hours of such damage, loss or theft. Momo PSB will then disable Your Wallet to prevent further use of the Services until You notify Us that Your SIM Card has been retrieved or replaced.
3.10. Please note that You will be responsible for all charges and transactions effected up to the time of receipt by Us of Your notification of the damage, loss, or theft. Notification of any such damage, loss or theft may be given by, but not limited to telephoning the Customer Care, sending email, and physical delivery of a letter using the information provided in Clause 16 and Clause 17 below. All Communications in either electronic or non-electronic format from You to us will be considered “in writing”. You shall indemnify Us against any claims made in respect of any transactions effected with MoMo PSB and SIM Card prior to such notification being received.
3.11. MoMo PSB will adopt all technical and security measures to ensure the protection of the privacy and confidentiality of consumer information and assets against unauthorized access. However, in the unlikely event of unlawful interception by persons other than the intended recipient after adequate technical and security measures have been ensured by MoMo PSB, MoMo PSB will not be liable for any loss, injury or damage direct or consequential arising out of any such compromise of confidentiality of Your information.
4. ACCEPTANCE AND COMMENCEMENT OF CONDITIONS OF USE
You are deemed to have accepted these terms and conditions of use of the Services as amended from time to time and which take effect upon registration and/or upon the initial activation of Your MoMo Wallet.
5. LANGUAGE AND COMMUNICATION
English will be the primary language of our communication to you. We may use emojis or colloquialisms, but we will always communicate in English.
Should you have any questions about your relationship with MoMo PSB, you can contact us via email - Email: info@momopsb.com
6. THE WALLET
The Wallet is opened and owned by Momo PSB and this Service is currently available to anyone who meets requirements set by MoMo PSB and the Central Bank of Nigeria ("CBN").
7. APPLICATION FOR WALLET
7.1. Nigerian citizens with a valid photo identity card and other relevant documents may apply for a Wallet.
7.2. Foreigners wanting to benefit from the Service would be required to provide evidence of residence in the form of a residence permit and have a telephone number duly registered in line with the requirements of the Nigerian Communications Commission ("NCC").
7.3. We will require Your personal details and information before a decision is made on Your application. All information provided pursuant to an application must be complete and accurate.
7.4. We may decline Your application at our sole discretion where your application does not meet out requirements.
7.5. We may use your MTN Nigeria customer data for MoMo PSB wallet registration, activation or validation during account opening and life span of your relationship with MoMo PSB.
7.6. We may verify Your identity and all information provided and may refuse to open a Wallet for You if We are not satisfied with any information provided pursuant to Your application.
7.7. Your Wallet will be held and operated by MoMo PSB.
7.8. Persons below the age of 18 (minors) may open a Wallet using a guarantor or parent’s identification information. However, the minor shall not be allowed to operate the wallet, but may have the wallet operated on his/her behalf by the guarantor or parent. The guarantor or parent will be required to provide some information during the onboarding process as follows:
7.8.1. The guarantor is a MoMo PSB Subscriber.
7.8.2. The guarantor is a citizen of Nigeria and is resident within the territory of the Federal Republic of Nigeria.
7.8.3. The guarantor is a parent/legal guardian of the minor.
8. DATA PROTECTION AND PRIVACY
8.1. MoMo PSB may collect certain Personal Information during the course of Your application for a Wallet and, generally, in the course of use of the Service. By accepting these terms and conditions You consent to MoMo PSB processing, storing and sharing of Your Personal Information. All personal information shall be stored, processed and dealt with in line with MoMo PSB's Privacy Policy available on the MoMo PSB website, the Nigerian Data Protection Regulations 2019 and any other applicable extant regulations.
8.2. You also unequivocally consent to and grant MoMo PSB the right to use such data to verify the Your identity, telephone number and other provided information whenever required during Your use of the Service.
9. SUSPENSION OR DISCONNECTION OF THE SERVICES AND CLOSURE OF THE MOMO WALLET
9.1. MoMo PSB may suspend (bar), restrict or terminate the provision of the Services (in whole or part) and/or close Your Wallet without informing You and without any liability whatsoever (although, MoMo PSB will, where possible, try to inform You that such action is or may be taken) under the following circumstances:
9.1.1. If MoMo PSB is aware or has reason to believe that Your device or MSISDN/ MoMo PIN number used in relation to the MoMo PSB services is/are being used in an unauthorized, unlawful, improper or fraudulent manner or for criminal activities (or has been so used previously);
9.1.2. If You do not comply with any of the conditions relating to the MoMo PSB services Including these conditions of use;
9.1.3. If You notify MoMo PSB that Your device has been lost or stolen or Your MoMo PIN has been lost or disclosed to any other party;
9.1.4. If You do anything (or allow anything to be done) with Your device which may damage or affect the operation or the security of the MoMo platform or Services; and
9.1.5. For reasons outside of Momo PSB’s control (i.e. in compliance with an order of the law courts of the Federal Republic of Nigeria or based on a directive from a law enforcement agency or regulatory authority having such powers).
9.2. To access the MoMo PSB services, Your SIM Card must be operational (“active”) at all times. Please note that if Your SIM Card is inactive for a consecutive period of 180 (One Hundred and Eighty) days, Your SIM Card may be deactivated by Your mobile network operator. Furthermore, if You do not undertake a revenue generating activity for a consecutive period of 365 (Three Hundred and Sixty-Five) days, Your mobile network operator shall disconnect the SIM Card from Your use and recycle same. If your SIM Card is deactivated, you can access MoMo PSB services with your new registered phone number and upon verification, your MoMo Wallet/Account will be transferred to your new SIM.
9.3. If Your Wallet is inactive for a period of 24 (Twenty-Four) months, Your Wallet will be closed and any funds therein remitted to the Central Bank of Nigeria in line with the Directives on E-money issuance.
9.4. MoMo PSB will also close Your Wallet upon receipt of Your request to close same.
9.5. Where the use of Your MoMo PIN has been suspended or disconnected or Your Wallet closed, any credit balance in Your Wallet will be repaid to You in cash upon Your presenting yourself at any of our Customer Care Centers or agent points with a valid proof of identification and satisfactory response to any requested information. You will only be paid any applicable wallet balance in cash upon satisfactory evidence of Your identity being produced.
9.6. In addition to Clause 9.5 above, any amount owed to You can be transferred to Your preferred bank account at Your request, upon satisfaction of the necessary conditions.
9.7. MoMo PSB will not be responsible to You for any direct, indirect, consequential, or special damages arising from any act or omission by MoMo PSB or any third party for whom MoMo PSB is responsible, whether arising in contract or statute if MoMo PSB closes or suspends Your Wallet in terms of this Clause 8.
10. TARIFFS
10.1. All tariffs as published are payable for each transaction effected from Your Wallet. The 'Tariff Guide' will be available at MoMo PSB's Customer Service Centers or by accessing the MoMo PSB website.
10.2. Tariffs payable on each transaction will be deducted from Your Wallet on the conclusion of each transaction and Your new balance shall be notified to You by SMS.
10.3. All tariffs are subject to other applicable levies as prescribed by regulations and extant laws at the prevailing rates at the time of the transaction.
10.4. All charges payable by You in connection with the use of the Services shall be debited from Your Wallet without further reference to You.
11. TRANSACTIONS
11.1. All transactions shall be in Nigerian Naira.
11.2. All debit transactions from Your Wallet will be effected by transfer instructions authorized with the MoMo PIN which You selected when You registered, or by such other method MoMo PSB may prescribe from time to time.
11.3. Whilst Momo PSB shall exercise due caution in the provision of the Service, You agree that Momo PSB shall have no duty to verify the correctness of any instructions or the identity of the sender of the instructions and You expressly agree to be bound by any instructions and communications, whether or not authorized, sent in Your name having your PIN and other pre-agree transaction authorization criteria and accepted by Momo PSB.
11.4. No transaction can be effected without entering and validating Your MoMo PIN. You will have 3 (three) attempts to enter the right MoMo PIN. If You enter the wrong MoMo PIN on the third attempt, the Wallet will be suspended for two (2) hours after which You can attempt to enter Your Pin. In the event that the Wallet is disabled, Customers can call the call center to reset their MoMo PIN. The MoMo PIN shall only be reset upon successful validation of the identity of the Customer and satisfactory provision of requested information. MoMo PSB shall bear no liability to You where the requester of the reset adequately satisfies the security checks.
11.5. Your Wallet will be credited when You process a credit request via any of our MoMo channels, or when same is transferred to Your Wallet from another Customer.
11.6. You cannot effect any transaction from Your Wallet in the event that You do not have sufficient funds in Your Wallet to meet the value of the transaction and applicable charges thereto.
11.7. The Service will verify and confirm all transactions effected from Your Wallet by SMS to You. The Service records/database will be taken as accurate unless the contrary is proved.
11.8. On being provided with a Wallet, You will be able to effect the following transactions:
11.8.1. A credit transaction by making a payment in cash directly to an Agent in exchange for an equivalent amount of funds to be credited into Your Wallet. Upon a credit transaction being made, the Service shall credit Your Wallet accordingly less applicable charges, taxes, and levies.
11.8.2. A debit transaction by the exchange of electronic value (via MoMo) for cash equivalent at any Agent by sending a transfer instruction to the Service and entering Your MoMo PIN on Your device when requested to do so. The Agent will pay the equivalent amount of cash to You less applicable charges, taxes, and levies.
11.8.3. The transfer of funds to another Customer by sending transfer instructions via the Service in favour of the Wallet of such Customer, specifying the amount to be transferred.
11.8.4. The purchase of goods and services from Authorized Retailers by transfer instructions via the Service of the amount to be transferred to the Authorized Retailers’ Wallet in settlement of the goods and/or services purchased.
11.9. Upon any credit transaction and debit transaction being effected, the Service shall credit or debit, including applicable charges, taxes, and levies; Your Wallet once the sum is equally credited to, withdrawn, or transferred by You from Your Wallet.
11.10. The Service may confirm every transaction made by way of SMS together with an updated balance of Your Wallet.
11.11. Any debit transactions given using Your MoMo PIN will be charged to Your Wallet. You acknowledge that unless, and until MoMo PSB receives notice from You that Your MoMo PIN is no longer secure and/or that Your device has been lost or stolen, MoMo PSB shall rely on the use of the MoMo PIN as conclusive evidence that a debit transaction has been authorized by You, even if it is actually made without Your authority. MoMo PSB shall not require any written confirmation of any transaction instruction or require any further confirmation/authorisation other than Your MoMo PIN.
11.12. Your Wallet may only be operated by the use of Agents/Retailers within the territory of the Federal Republic of Nigeria.
11.13. Each transaction is identified by a unique reference number which is used to track and identify all transactions carried out on Your Wallet. A confirmation SMS may be sent to You with an updated balance of Your Wallet after each transaction.
11.14. You must inform us within ten (10) days of the date of any transaction if you think such a record of transactions is inaccurate. Should you fail to do this within this timeframe, it will be interpreted as you waiving the right to dispute any transactions reflected on Your Account statement or to recover any losses from unauthorised transactions reflected in the statement.
12. TRANSACTION LIMIT AND WALLET BALANCE
The daily transaction limit and balance limit on Your Wallet shall be determined by the applicable KYC Tier used in opening the Wallet and in line with any circulars, guidelines as may be prescribed by the CBN from time to time. However, please note that the default KYC tier as would be applied to You will be the KYC tier 1. You would be required to perform an upgrade to either KYC Tier 2 or 3 by satisfying necessary conditions in order for the daily transaction limits and balance limits under these tiers to be accessible to You.
13. UNAUTHORIZED USE
13.1. Only one MoMo PIN can be linked to Your Wallet at any time.
13.2. Only You may use Your Terminal Equipment, SIM Card and MoMo PIN for carrying out transactions via the Service on Your Wallet.
13.3. You are responsible for the safe-keeping and proper use of Your Terminal Equipment, for keeping Your MoMo PIN and all transactions that take place on Your Wallet using Your MoMo PIN. Should You enter an incorrect PIN, after three invalid attempts, You will be locked out of the Service For security purposes. To restore access to Your Wallet, You can select the self-PIN rest options on the USSD menu, or You can visit the nearest Service Centre, or You can contact our customer support on 671 or 08031067100.
14. SECURITY
You acknowledge and accept that, as with any network, You may be exposed to:
14.1. unauthorised invasions of privacy during, or as a result of, using the Service;
14.2. system-threatening viruses and other unauthorised and invasive programs transmitted by third parties;
14.3. unauthorised dissemination and publication to others of information and material originally sent only to selected recipients on or through the platform;
14.4. eavesdropping and electronic trespassing; fraud and forgery; and
14.5. the failure of information and data to reach their intended destinations and/or erroneous receipt or misdirection of such information. Although our privacy and security features are designed to reduce these risks, We cannot guarantee their elimination. MoMo PSB shall not be liable for any breach of confidence or loss arising as a result of such events.
15. STATEMENTS
You may upon payment of a prescribed fee request a statement printout from Us showing the transactions on Your Wallet within a specified period not later than one (1) year from the date of the request.
16. NOTICES
16.1. The address You supply during Your MoMo onboarding process shall be regarded as Your chosen address where notices may be given and documents may be served. You must notify Us immediately should Your physical, postal, email address or cell phone number or any other information supplied to Us changes.
16.2. Any notice sent to You by post shall be duly given if sent by a courier company or if delivered by hand at Your address as provided in our records and upon same having been acknowledged by or on behalf of the addressee on the date of delivery.
16.3. Any correspondence We send to You by email will be considered to have arrived on the day that it was sent.
16.4. We are entitled to send information to You via SMS to the contact telephone number provided upon Your onboarding and as amended from time to time. These SMS’ are for information purposes only.
16.5. All notices sent to Us should be addressed as follows:
The Chief Executive Officer
MoMo Payment Service Bank
290B Akin Adesola Street
Victoria Island
Lagos State
17. SUPPORT
17.1. MoMo PSB shall provide Customers with service support through any of the following means:
17.1.1. Call centre on: Short dial 671 and long dial 08031067100
17.1.2. Email: info@momopsb.com
17.1.3. AII Service centres and Connect Stores
17.1.4. MoMo PSB Agents Outlets
MoMo PSB Internal Dispute Resolution Centre
17.2. In the event of any unsatisfactory feedback received regarding a reported complaint, Customer shall refer the matter to the Internal Dispute Resolution Center of MoMo PSB using the contact information provided in Clause 16.6 and Clause 17.1.2 above.
18. MONEY TRANSFER REVERSAL
18.1. You must lodge a complaint of a wrong transfer within 30 (thirty) days from the date of the incident. Careful investigation will be conducted to establish the claim as part of processing the reversal.
18.2. MoMo PSB will endeavour to effect reversals of any established/proven wrong transfer within 5 (five) working days but in any event not later than 15 (fifteen) working days from the date on which the wrong transfer is confirmed.
18.3. Where the amount in question is fully available in the Wallet as the time of receiving the complaint, MoMo PSB shall hold the funds for further investigations. Funds which have been partially withdrawn and no longer in Your Wallet cannot be held by Us.
18.4. In the event where the amount is not in the Wallet of the supposed wrong recipient, You would be advised accordingly.
18.5. MoMo PSB will take reasonable steps to contact the supposed wrong recipient, through calls and SMS, within 3 (three) working days of receiving a reversal request.
18.6. The wrong recipient must make reasonable efforts to respond to the calls and SMS during the 3 (three) days of contact.
18.7. MoMo PSB will endeavour to perform the reversal after the 3 (three) working days without any feedback from the wrong recipient.
18.8. MoMo PSB does not have any obligation to perform a reversal in the event of any dispute with a designated payee.
18.9. Transaction notification will be sent to both the sender and receiver upon completion of the reversal.
19. CONSENTS AND CONDUCT OF THE WALLET HOLDER
19.1. You consent to MoMo PSB sending messages, notices or any other details related to MoMo PSB and/or its affiliates products/services to Your mobile number/email address/residential address on the records of MoMo PSB.
19.2. You consent that only phone numbers registered on the “Do Not Disturb” list shall not be considered for telemarketing offers for the products offered by MoMo PSB. MoMo PSB shall therefore not be responsible or liable for any such offers received on a phone number not registered on the “Do Not Disturb” list.
19.3. Notwithstanding the foregoing, please note that registration on the “Do Not Disturb” list shall not limit calls from MoMo PSB, MoMoPSB Services maintenance or any other related issues, for administering or servicing of any MoMoPSB Services, alerts on transactions, etc.
19.4. You consent to MoMo PSB’s provision of the Services directly and/or through authorized representatives.
19.5. You consent to MoMo PSB’s right to verify your KYC/BVN/NIN details as per the applicable laws
19.6. You consent to MoMo PSB making enquiries about Your credit record with any credit reference agency and any other party to confirm the details of this application only to the extent that You are a borrowing customer. Customers with no credit related request are not obliged to consent to credit checks and will not be liable to pay for associated fees.
19.7. A certificate or invoice signed by any of our managers (whose appointment need not be proved) showing the amount You owe Us is sufficient proof of the facts stated on the certificate, unless the contrary is proved.
19.8. You must pay all our expenses in recovering any amounts You owe Us including any legal fees so incurred.
19.9. You are responsible for Your connection to the internet and all costs associated with that same connection.
19.10. You must notify Us immediately of any change in Your details as contained in Your application.
19.11. You agree that Your information, including Your personal information, Your telephone conversations with our call centre and Your transactions will be recorded and stored for record keeping purposes for 7 (seven) years after the date of closure of the Wallet.
19.12. We are obliged by law to regularly update Your personal information, such as Your current residential address and contact information. We may contact You From time to time in this regard.
19.13. All copyright, trademarks and other intellectual property rights used as part of our Services or contained on our documents are owned by MoMo PSB or its licensors. You agree that You acquire no rights thereto.
19.14. You accept that all transactions effected on Your device are subject to other applicable Terms and Conditions as available on our website from time to time.
19.15. Your Wallet may be transferred to and used on any mobile telecommunications network operator.
20. KYC REQUIREMENTS
MoMo PSB may, from time to time, request additional information/document(s) from you at any time. Where you are unable to provide such additional information/document(s) MoMo PSB may, at our sole discretion suspend or terminate your Account. MoMo PSB maintains all authority to suspend or terminate your Account where you provide us with inaccurate, inexact, or false information.
21. NOMINATION AND DEATH OF A CUSTOMER
The Customer may, by filling in necessary particulars in the prescribed format at the time of opening of his/her wallet, nominate any person who, in the event of his/her death may become entitled to the deposit and the payment thereon. If such nomination is not made at the time of opening the wallet, it may be made by the Customer at any time. In the event of death of the wallet holder in respect of which a nomination is in force, the nominee shall be entitled for release of the deposits in his favour. For the aforesaid purpose, the surviving nominee shall make an application to MoMo PSB supported by documents as may be required by law and MoMo PSB as at the time of the application.
22. INTELLECTUAL PROPERTY RIGHTS
Momo PSB shall be the owner/licensor/licensee of any of its software, websites, app, trademarks, trade secrets, trade names, designs, patents, copyrights, intellectual property and any of its copies, derivative work etc. (“Intellectual Property”). You shall not use any Intellectual Property of Momo PSB without prior written consent from Momo PSB. You agree that You shall have no claims/rights of whatsoever nature in the intellectual property rights arising out of and in connection with platform, account and Services. You further undertake that You shall not attempt to modify, alter, obscure, translate, disassemble, decompile or reverse engineer the software underlying mobile application or create any derivative product based on the software/Platform or any of the Intellectual Property of Momo PSB.
23. SANCTIONS
23.1. Any abusive and/or fraudulent usage of the Wallet and any false declaration may be punished by the laws of the Federal Republic of Nigeria as applicable and may lead to the suspension or termination of the Wallet.
23.2. In the event of a stolen/missing SIM Card or device, You must call the MoMo PSB Customer Service Centre on 671 or 08031067100 or visit the nearest designated Customer Care Centre to make a report.
23.3. In the case of fraud on Your Wallet, You must subsequently provide a police extract as part of Your complaints to commence the necessary checks. Note that any loss incurred during this period will be a personal liability for which MoMo PSB shall not be responsible.
23.4. The Wallet owner will be responsible for all fees and transactions effected up to the time of receipt by MoMo PSB of Your report of the damage, loss or theft of Your SIM Card in line with the provisions of this Clause 22.
23.5. You must comply with the instructions that MoMo PSB may issue from time to time about the use of the Service.
24. RECOURSE MECHANISM
24.1. Customers shall submit their complaints via the channels provided in Clause 17 above for resolution.
24.2. Where there is any stalemate, complaint is unresolved or a Customer is not satisfied with the feedback from MoMo PSB Service Support, the Customer shall refer the matter to the Internal Dispute Resolution Center of MoMo PSB within 1 (one) week after the unsatisfactory feedback as outlined in Clause 17.2. However, if Customer remains unsatisfied with the resolution and feedback of the MoMo PSB internal dispute center, customer may proceed to refer the matter to the Consumer Protection Department (CPD) of the CBN within 2 (two) weeks of lodging of the complaint.
24.3. The CBN shall take up all referred unresolved complaints or disputed decisions by MoMo PSB and issue appropriate directives, where required.
25. VARIATIONS
MoMo PSB reserves the right to vary at any time and without prior notice to You these Conditions of Use. Variations will be notified by way of advertisement in a daily newspaper, SMS or through MoMo PSB website and or by using any other suitable means provided that You shall be deemed to have been notified of any such variations.
26. FORCE MAJEURE
26.1. MoMo PSB shall not be liable for delay in performing or failure to perform any of its obligations under these Terms and Conditions which is caused by circumstances beyond its reasonable control, including, but not limited to, the failure, malfunction or unavailability of telecommunications, data communications and computer systems and services, natural calamities, war, civil unrest, government action, strikes, lock-outs or other industrial action or trade disputes (whether involving the Momo PSB’s employees or those of a third party).
26.2. Any delay or failure of this kind will not be deemed to be a breach of these Terms and Conditions and the time for performance of the affected obligation will be extended by a period which is reasonable in the circumstances.
27. EXCLUSION OF DAMAGES AND LIMITATION OF LIABILITY
MoMo PSB shall not be liable to any Customer for any loss incurred, except such loss directly arises from the provision of the Services. MoMo PSB shall not be liable or responsible for a transaction failure arising as result of the following reasons:
27.1. You have not been properly registered (where registration is required) or been authorized to use MoMo PSB services, or where the authorization for such use has been withdrawn or suspended.
27.2. The amount of the transaction requested by You is below the minimum or above the maximum limits allowed by the CBN or MoMo PSB and/or specified for such transaction.
27.3. Your entering an incorrect PIN, or user ID (if required), or not providing the relevant authentication required by the service from time to time in connection with the transactions.
27.4. MoMo PSB has suspended or barred You from using the MoMo PSB Services for any reason whatsoever.
27.5. You have exceeded any daily, monthly, or annual limits specified with respect to the number, or value of the transactions permitted.
27.6. If in the opinion of MoMo PSB and/or You, the transaction requested by the Customer is suspected to be fraudulent.
27.7. The failure of the GSM Network, or any other system required for the service, for whatever reason other than by reason of gross negligence on the part of MoMo PSB.
27.8. Defects, problems, or failures of any transaction caused by an event of Force Majeure.
27.9. Any transaction being effected with a lost or stolen PIN which loss or theft was not notified to MoMo PSB and/or You as required.
27.10. Your failure to perform Your obligations under the terms and conditions of use relating to the service and/or any agreement or mandate entered into You, relating to the carrying out of the transactions and/or use of the service.
27.11. MoMo PSB will not be liable to You or any third party for any consequential, incidental, indirect, punitive or special damages (including, without limitation, damages relating to lost profits, lost data or loss of goodwill) arising out of, relating to or connected with the use of the Services, associated with any form of network restrictions directly or indirectly impacting our service channels.
28. INDEMNITY
28.1. You agree to indemnify, defend and hold MoMo PSB and its employees, representatives, agents, attorneys, affiliates, directors, officers, members, managers and shareholders ("Indemnified Parties") harmless from any damage, loss, cost or expense (including without limitation, attorneys' fees and costs) incurred in connection with any third party claim, demand or action ("Claim") brought or asserted against any of the Indemnified Parties: (i) alleging facts or circumstances that would constitute a breach by You of any provision of these Ts&Cs or (ii) arising from, related to, or connected with Your use of the Services.
28.2. You agree to indemnify, defend and hold MoMo PSB and its employees, representatives, agents, attorneys, affiliates, directors, officers, members, managers and shareholders (“Indemnified Parties”) harmless from any fraud or any loss or damage suffered by Momo PSB due to any reason whatsoever including but not limited to the failure on Your part to communicate correct permanent or communication address, communication number, email address, KYC Information and/or failure on your part to communicate any change/alteration in the said permanent or communication address, communication number, email address, KYC Information.
29. CUSTOMER'S REPRESENTATION
By using the MoMo PSB Services, You represent and warrant that:
29.1. All registration information You submit shall be true, accurate, current, and complete.
29.2. You will maintain the accuracy of such information and promptly update such registration information, as necessary.
29.3. You have the legal capacity, and You agree to comply with these Terms and Conditions.
29.4. You are not a minor or have satisfied the conditions of same in Clause 7 above.
29.5. You will not access any of the MoMo Services through automated or non-human means, whether through a bot, script or otherwise.
29.6. You will not use the MoMo PSB service for any illegal or unauthorised purpose.
29.7. Your use of the MoMo PSB service will not violate any applicable law or regulation.
29.8. If You provide any information that is untrue, inaccurate, not current, or incomplete, We have the right to suspend or terminate Your Wallet and refuse all current or future use of the Service.
30. ANTI-CORRUPTION, ANTI-MONEY LAUNDERING, AND FINANCIAL TERRORISM
You hereby undertake that You will comply with the applicable provisions of the Anti-Corruption Laws and CBN AML/CFT/PF Regulations 2022 and extant laws of the Federation aimed at combatting money laundering, financing of terrorism and proliferation financing in line with regulations and directives of the Central Bank of Nigeria.
31. GOVERNING LAW AND DISPUTE RESOLUTION
31.1. These terms and conditions of use of the Service and all matters of disputes arising there from or incidental thereto shall be governed in accordance with the Laws of the Federal Republic of Nigeria.
31.2. In the event of a dispute or difference between You and MoMo PSB in connection with or in relation to this Agreement or its performance, construction or interpretation, the Party alleging the dispute shall provide a written notice, giving particulars of the dispute (the Notice of Dispute) to the other Party via the channel provided in Clause 17. You and MoMo PSB agree to each appoint a representative and to cause their respective representatives to meet as soon as possible, in an effort to resolve the dispute amicably, in good faith and with absolute fair play. All such representatives of the Parties shall be referred to as ‘Settlement Nominees’ and the period agreed on for such discussion shall be referred to as “Period of Discussion”.
31.3. If the dispute is not resolved by formal negotiation within fourteen (14) Business Days of the notice of dispute, the dispute shall be settled by a sole arbitrator in accordance with the provisions of the Arbitration and Conciliation Act, Cap A18, Laws of the Federation of Nigeria, 2004.
31.4. Where there is a dispute between the provisions of these laws and any regulation of the CBN, the CBN regulations shall prevail.
1. Our Data Protection and Privacy Commitment
Data Protection and Privacy matters to us and we know it matters to you. We are committed to protecting your privacy, keeping your information safe and ensuring the security of your personal information. To provide you with the most effective products and services, your personal information will be collected, processed lawfully, stored securely and not disclosed unlawfully to any third party. ct upon registration and/or upon the initial activation of Your MoMo Wallet.
Our Data Protection and Privacy Statement
Our Statement explains how MTN Ghana collect, use, and protect your information. It extends to both our control and processing of personal information.
Who does this Statement applies to?
This Statement applies to:
a. All Customers and/or users who are natural persons or living individuals; and
b. All Customers and/or users who are organisations.
c. All MTN employees and job applicants or prospective employees.
d. All MTN suppliers, partners, and service providers.
e. All MTN Foundation applicants, recipients, and partners
- What Personal Information does MTN Ghana collect and use?
- Personal information collected and held by us may include but not limited to; name, sex, date of birth, addresses, International Mobile
- Equipment Identity , mobile phone number, email address, occupation and information contained in supporting documents such as proof of identity and proof of address.
- MTN Ghana and its authorized third parties may collect, store, process the following types of Personal Information :Biometric Data, Racial or Ethnic Origin, financial information , for providing our products, services and for use of our website, information related to your utilization of our services which may include your call patterns, your browsing history on our website, location details and additional information provided while using our services.
- MTN Ghana will rely on the following to process your personal data
- Legal Obligation
In some circumstances, where the processing of the personal data is necessary for the performance of an obligation conferred or imposed by law on MTN Ghana, we will rely on Legal Obligation as a basis to process the personal information you have provided.
Legitimate Interest
Our legitimate business interests, for example, direct marketing and improvement of our services. Whenever we rely on this lawful basis to process your data, we assess our business interests to make sure they do not override your rights. Additionally, in some cases you have the right to object to this processing. See “Your Rights” section of the statement.
Consent
We may rely on the consent you provide in the absence of any other legal basis. Consent will always be presented separately to you, can be withdrawn at any time and you will be given details on how to do so.
- We rely on contract as a legal basis to process your personal information when we need to deliver a contractual service to you or when it has become necessary to process data before entering into a contract with you.
Purpose of collecting personal information:
- MTN Ghana collects your personal information for a variety of business purposes. These include, but are not limited to:
o Verifying your identity;
o Completing transactions effectively and billing for products and services;
o Responding to your request for service or assistance;
o Performing market analysis and research as well as business and operational
analysis;
o Providing, maintaining and improving our products and services;
o Anticipating and resolving issues and concerns related to our products and
services;
o Promoting and marketing our products and services which may benefit you
and be related to products and services you are currently enjoying; and
o Ensuring adherence to legal and regulatory requirements for prevention and
detection of fraud and crime.
- MTN Ghana may keep a log of the activities performed by you on our network and websites by using various internet techniques such as web cookies, web beacons, server log files, etc. for analytical purposes, for analysis of the agreeableness of various features on our site and in accordance with requisite legal requirements. This information may be used to provide you with a better experience on our platforms.
- At any time while you are browsing our site, if you do not wish to share browsing information, you may opt out of receiving the cookies from our site by making appropriate changes to your browser privacy settings.
- If you do not provide your consent for usage of personal information or later withdraw your consent for use of the personal information so collected, MTN Ghana will not be able to provide certain products and services to you.
Disclosure and Transfer of Personal Information
- Collection of Personal Information: MTN will obtain your consent for sharing your personal information in several ways, such as in writing, online, through “click-through” agreements; orally, including through interactive voice response; or when your consent is part of the terms and conditions which apply to our products and services.
- Internal Use: MTN and its employees may utilize some or all available personal information for legitimate business purposes and related activities within the parameters mentioned above.
- Third Parties: We may have to share your personal information with third parties, including third-party service providers, sub-contractors, other entities within the MTN Group. A ‘Third Party’ is a service provider who is contracted by MTN to provide a service or product which may include the handling, managing, storing, processing, protecting, and transmitting information of and for MTN. This includes all sub-contractors, consultants and/or representatives of the Third party. We require third parties to respect the security of your data and to treat it in accordance with applicable laws.
- Government and Law Enforcement Agencies: We may also share your personal information with Government agencies or other authorized Law Enforcement Agencies (LEAs) mandated under law to obtain such information for the purpose of verification of identity or for prevention, detection, investigation including but not limited to cyber incidents, the investigation and prosecution of crime, and as is required by law.
- Transfer: MTN Ghana may transfer your personal information or other information or data collected, stored, processed by us to any other entity or third party located outside the country of service, only if necessary, for legitimate business purposes for providing services to you. This may also include sharing of aggregated information with third parties contracted to MTN for them to understand our environment and consequently, provide you with better services. While sharing your personal information with third parties, reasonable organizational, technical and security measures shall be taken to ensure that reasonable security practices are followed by the third party and are in line with the Data Protection Principles and Regulations.
Security Practices and Procedures
- MTN adopts reasonable security practices and procedures, in line with international standards to include, technical, and organisational security safeguards to protect your personal information from unauthorized access, or disclosure while it is under our control.
- Our security practices and procedures are within industry standards. Further, our employees and service providers / partners are bound by Codes of Conduct and Confidentiality Policies which require them to protect the confidentiality of personal information they access.
- We may retain your personal information for as long as required to provide you with products and services or as otherwise required under any law.
- When we dispose of your personal information, we use reasonable procedures to erase it or render it unreadable/anonymized.
- Internet Use – We maintain the security of our internet connections and observe reasonable security measures to protect your personal information against hacking and virus dissemination. However, for reasons outside of our control, security risks may still arise.
Storage: How do we keep your information?
- We may store your information in hard copy or electronic format and keep it in storage facilities that we own and operate ourselves, or that are owned and operated by our Third parties/ service providers.
- We use a combination of technical solutions, security controls and internal processes to help us protect your information and our network from unauthorised access and disclosure.
- Accuracy: We endeavour to ensure that personal information is accurate and encourage you to update your personal information in our possession as and when it changes by contacting us on the information provided below.
Your Rights
Right to access personal information
You have the right to make a request for a copy of the personal information that MTN holds about you (including advertising audience categories and inferred information) as permitted by law.
Right to correct personal information
You have the right to correct information held about you to ensure it is accurate, relevant, complete, and not excessive.
Right to object to use of personal information
You have the right to object to MTN processing your personal information, in certain circumstances as permitted by law. However, in instances where the basis for processing is Legal Obligation, you may not be able exercise your right to object.
Right to opt-out of marketing messages
MTN will not issue targeted marketing to you unless you consent for us to do so. If you no longer want to receive marketing messages from MTN Ghana, you can choose to opt out at any time using the means made available to you. If you have previously opted in to receive personalised content based on how and where you use our network, you can also opt out at any time.
Contact- How to exercise any of above-mentioned Rights
If you have any queries in any aspect of this privacy statement or if you would want to exercise any of the rights mentioned above, please send an email to dpo.privacy@mtn.com and our privacy team will respond to you.
Changes to policy
We reserve the right to modify this Data Protection and Privacy Statement as and when required. We will post any changes to our Privacy Notice on our website: [ www.mtn.com.gh ]. We encourage you to check frequently to see the current Data Protection and Privacy Statement to be informed of how MTN is committed to protecting your information and providing you with improved content on our site in order to enhance your experience.
MoMo Payment service Bank (“MoMo PSB ”) is a fully registered limited liability company with Corporate Affairs Commission (CAC) and licensed by the Central Bank of Nigeria (CBN) to offer financial services Registration No: PSB 1870676 and principal place of business at Akin Adesola, Victoria Is with land Lagos . MoMo respects the privacy of our Customers’ Personal Information which should be protected through the use use and interaction with https://www.momopsb.com and all associated websites, mobile applications, products and services.
We have prepared this M oMo PSB Privacy Notice (this “Privacy Notice or “Notice”) to notify You of the type of Personal Information we collect from You, Our Customers and/or Users; how We will treat that Personal Information; and the circumstances under which We will share it with third parties.
This Notice incorporates MoMo’s Privacy Policy at https://www.momopsb.com
2. KEY DEFINITIONS
The follow key terms should be read in conjunction with this Notice
Consent
Freely given indication of the Customer’s wishes or a clear affirmative action signifying Customer’s or User’s agreement to the processing of Personal Data relating to him or her.
Data Subject
The person (natural or juristic) to whom Personal Information relates. In this case, the Customer.
Customer
A customer is a person (individual or organization) who enters into a contract by subscribing to MoMo PSB or any it’s Affiliates’ Services or Products, for use (as part of an integrated solution provided by MoMo PSB).
Supplier
Any person who works for or provides services to or on behalf of MoMo and receives, or is entitled to receive, remuneration and any other person who assists in carrying out or conducting the business of MoMo. This includes employees, agents, representatives and sub-contractors of Suppliers/Agents.
NDPR
Nigerian Data Protection Regulation
Personal Information
Information relating to an identifiable, living, natural person, and where it is applicable, an identifiable, existing juristic person. This includes, but is not limited to, details such as Your name, phone number, address, age, curriculum vitae, marital status, gender, health details, location information, online identifier, the personal opinions, views or preferences of the person; company’s registered name, registration number, Director’s names, ID numbers, addresses and other company details which could include: financial information and banking details and registered or unregistered identification or proprietary marks etc.
Processing / Process of Personal Information
Any operation or activity or any set of operations, whether by automatic means, concerning Your Personal Information, including— (a) the collection, receipt, recording, organization, collation, storage, updating or modification, retrieval, alteration, consultation or use; (b) dissemination by means of transmission, distribution or making available in any other form; or (c) merging, linking, as well as restriction, degradation, erasure or destruction of Personal Information.
Operator
A third-party who is processing Personal Information for MoMo in terms of a contract or mandate, without coming under the direct authority of that party
Organizations
This means other entities such as a service provider, whether it is an affiliate or a supplier, to perform activities, services, functions, or processes on an ongoing basis that would normally have been undertaken by MoMo itself.
Sensitive Personal Information
Information relating to Your biometric details, race, pregnancy, marital status, ethnic or social origin, color, sexual orientation, age, physical or mental health, well-being, disability, religion, conscience, belief, culture, language and birth of that person.
“You”, “Your”
the Customer
“Us”, “We”, “Our”
MoMo PSB
User
A user is a person (individual or organisation) who uses any of MoMo channels, which are not limited to MoMo websites; mobile applications; Unstructured Supplementary Service Data (USSD) and Short Message Service (SMS); and other products and services.
MoMo Data
MoMo Personal Information, Personal Information of its affiliates, customers, employees, agents, representatives, contractors and professional advisors.
3. ACTS OF CUSTOMER?
Customers who act on behalf of an organization may only use MoMo websites, mobile applications, products and services with authorization from the organization. Customers who are natural persons must be 18 years or older. If You are under 18 years, you may only use MoMo PSB websites, mobile applications, products and services with the assistance of a parent or guardian who has provided consent for You.
4. WHO DOES THIS NOTICE APPLY TO?
This Notice applies to:
- all Customers and/or users who are natural persons; and
- all Customers and/or users who are organizations.
- all MoMo employees and job applicants or prospective employees.
- all MoMo suppliers, partners and service providers.
- All Retail agents.
5. WHAT WE COLLECT ABOUT YOU?
Through the website, mobile applications, USSD, SMS or any other products and services which You are subscribing to, you may be requested to provide Your Personal Information or company information which is relevant to the type of services and products.
Company information of Our Customers would include but not be limited to name, registered address and billing information etc.
While You are making use of any MoMo website, mobile applications, MoMo automatically collects certain personal or company information such as Your IP address; browser type; operating system; mobile carrier; Your Internet Service Provider (ISP), Uniform Resource Locators (URLs) of sites from which You arrive or leave the MoMo website; and mobile applications and sites that have embedded MoMo platform technology. Through cookies and other technologies, We can recognize You as an existing or registered user of the MoMo website and/or mobile application and are able to better serve You as a result.
We also collect information relating to job application or employment such as race, gender, sex, marital status, national, ethnic or social origin, age, physical or mental health, well-being, disability, religion, conscience, belief, culture, language and birth date. This also includes but is not limited to information relating to the education or the medical, financial, criminal or employment history. We also collect your voice data whenever you call our customers service or perform related activities.
6. COOKIES
A cookie is generally a tiny data file that resides on Your computer, mobile phone, or other devices, and allows MoMo to recognize You as a user when You return to the MoMo website using the same computer and web browser. There are different types of cookies. Here are two examples:
I. A “persistent” cookie – this cookie is set once You have logged on to a website. The next time You visit the website, the persistent cookie will allow the website to recognize You as an existing user or registered user, so You will not need to log in before using the services. However, if You wish to access or change any of Your payment information (like a debit or credit card number) or Your registered information, you must log in securely again with Your password, even if Your computer contains a persistent cookie.
II. A “session” cookie – this cookie is used to identify a visit to a website. Session cookies expire after a short time or when You close Your web browser.
You can remove or block cookies using the settings in Your browser, but in some cases doing so may impact Your ability to use the website.
7. CONSENT FROM YOU
MoMo will not collect or process Customer and/or User personal or company information without obtaining the Customer and/or user’s Consent. Your Consent is obtained in terms of a legally binding Sensitivity: Public agreement, which includes the applicable commercial terms and conditions, website, mobile applications, USSD, SMS terms and conditions and this Privacy Notice. Examples are Pre-paid terms and conditions, Post-paid terms and conditions, Master Services/Reseller Agreements and registrations or signing up of any MoMo services and products via any channel, MoMo Privacy Policy, and this Privacy Notice.
By accepting to the above-mentioned terms and conditions, You are accepting the terms and conditions of this Privacy Notice and provide MoMo with consent for the processing of Your personal or company information and accepting the practices described in this Notice.
8. THE USE OF YOUR PERSONAL INFORMATION OR COMPANY INFORMATION
To provide You, Our Customers and/or user, with the best fintech services, mobile applications, USSD and SMS products and services, MoMo will use Your Personal Information to:
- Process the products and services You have subscribed to or bought from Us, and keep You updated with Your order progress.
- Provide the relevant service or product including but not limited to banking services, payment, deposit, withdrawal and other services related to You. This includes other services not included in Your agreement with Us, and services that use information about You and how You use our products and to contact You about changes to the service or product.
- Bill You for using Our products or services and protect Our products and services.
- Understand how You use Our products and services. That way, we can develop more interesting and relevant products and services, as well as personalize the products and services We offer You.
- Carry out research and statistical analysis to monitor how Customers and/or users’ use Our products and services on an anonymous or personal basis.
- Review Your application, participation or eligibility in respect of any form of donation, project or program under MoMo PSB.
- Conduct market research and perform statistical analyses of Our Customers and/or users’ behavior. By being aware of Our Customer’s and/or User’s interest in and use of the various areas of the MoMo websites, mobile applications, USSD and SMS products and services for MoMo to better serve its Customers and/or Users.
- Share information with MoMo third parties within Our operations and Value Added Service Providers where We have an underlying contractual relationship to provide the service to You, including those third parties to whom You have subscribed for their services and consented to Our provision of Your Personal Information to them.
- Prevent and detect fraud, information security and privacy incidents and other crimes, recover debts or trace those who owe Us money.
- Send You promotional materials or details by SMS, e-mail, post or electronic communication provided You have given Your consent to receive such promotional materials from MoMo.
- Let You know about other companies’ products and services (including offers and discounts We have specially negotiated for Our customers) that We think may interest You, if You have chosen to receive this information.
- Contact You in the event of a query and respond to any questions or concerns You may have about using Our products or services.
- In any circumstance prescribed by law including but not limited to investigation of criminal activities, directives from law enforcement etc.
- Provide up to date service delivery as regards the services subscribed to and/or made available by MoMo to its Customers.
- to fulfil employee contractual agreement(s) for;
- for staffing, assessment, recruitment and career development opportunities
- to administer the benefits and services to employees;
- for purposes of performance management, talent management and succession planning, remuneration and benefits; training and development; management statistics on employment;
- for occupational health administration; work management; business travel; corporate security; organizational charts; archiving emails for disaster recovery purposes, legal and regulatory reporting obligations; and any other legitimate business interests;
- Where Your Personal Information is required other than in respect of the aforementioned, MoMo shall notify You of such other purpose for which Your Personal Information is required to enable You to provide Your consent.
9. THE SAFEGUARDS FOR YOUR PERSONAL OR COMPANY INFORMATION
- Maintaining the security of Your Personal Information is important to MoMo. Reasonable security safeguards have been implemented to protect Your Personal Information. MoMo uses various methods to protect Your information such as:
- Encryption methods when transmitting payment information, such as Your credit card information. An icon resembling a padlock is displayed on the bottom of most Internet browser windows during encrypted transactions.
- Access to Your Personal Information on MoMo websites, mobile applications, USSD and SMS products and services will be encrypted and/or password protected.
- Sensitive data (such as credit card information) is protected by SSL encryption when it is exchanged between Your web browser and the MoMo website and mobile applications.
- Sensitive data (such as credit card information) is protected by SSL encryption when it is exchanged between Your web browser and the MoMo website and mobile applications.
- MoMo maintains an Information Security Program internally to ensure that Your Personal Information is protected against unauthorized access, accidental loss or destruction.
10. SHARING OF YOUR PERSONAL INFORMATION OR COMPANY INFORMATION
MoMo will share Your Personal Information to third parties only where it is necessary to deliver services to You and in compliance with a lawful order or request without recourse to the Customer. Disclosure in the former instance shall be made with the Customer and/or user’s consent;
There will be circumstances where We are obliged to disclose Your information by law and are prohibited from informing You when we have received a request for Your Personal Information in relation to any suspected or alleged criminal activity.
In addition, companies employed by MoMo to perform certain functions (“Third Parties”) may be assessed to ensure that they handle Our Customer and/or user information securely. Some of MoMo Third Parties perform the following functions for MoMo:
- In addition, companies employed by MoMo to perform certain functions (“Third Parties”) may be assessed to ensure that they handle Our Customer and/or user information securely. Some of MoMo Third Parties perform the following functions for MoMo:
- Approved online service on MoMo’s websites, products and services.
These Third Parties have access to Personal Information needed to perform their functions and for purposes clearly defined by MoMo.
11. YOUR RIGHTS AS CUSTOMER OR USER
Erasing your information
You have the right to request that MoMo erase your Personal Data if it is no longer valid or necessary for the purposes for which it was collected or if it is incomplete or inaccurate.Receiving your information
You have the right to receive your Personal Data in a commonly used and machine-readable format and the right to transmit these data to another Data Controller when the processing is based on (explicit) consent or when the processing is necessary for the performance of a contract.11.1 Accessing and Changing Your Information
You can review the information You provide to Us and make any desired changes to the information You have provided. Please be aware that even after Your request for a change is processed, MoMo may, for a time, retain residual information about You in its backup and/or archival copies of its database.11.2 Direct Marketing
You have the right to choose whether You receive marketing material or not. By accepting using Our products and services, you are also agreeing to MoMo sending You marketing material on related services, products and offerings provided from MoMo from time to time. If You change Your mind at any time, you are always able to opt-out.We do comply with applicable provisions of the Central Bank of Nigeria guidelines and relevant Consumer Protection regulations on direct marketing.
11.3 Deletion or destruction of Your Information and Period of Retention
You may request that we delete and destroy any of Your Personal Information provided that Your relationship with MoMo has been appropriately terminated.MoMo will, however, retain and use Your Personal Information in accordance with applicable laws for retention of data, for as long as is necessary to provide You with Our services and comply with legal and business obligations, resolution of disputes and enforcement of this Notice among others.
11.4 Transfer and storage of Personal Information across borders
- You understand that MoMo may be required to host, process, transfer and store Your Personal Information in other countries for business purposes which could include giving effect to a third-party contract for Your benefit or Your protection.
- MoMo shall ensure that the countries have adequate data protection laws, corporate security policies, procedures and standards to adequately protect Your Personal Information as prescribed by NDPR.
- Your Personal Information shall be stored in Oracle Advanced Security Transparent Data Encryption format using Generally Accepted International Security Standards (ISO).
- Your Personal Information shall be subject to the Nigerian Data Protection Regulation 2019 (as may be amended from time to time) and any other applicable Data Protection Regulation.
11.5 Right to withdraw consent
You have a right to withdraw Your consent at any time without affecting the lawfulness of Your information received and processed by MoMo in line any legal obligation or prior to Your withdrawal of consent.11.6 Reporting incidents
In the event of a privacy breach, MoMo shall report such breach to the relevant authority and if necessary, affected individuals of personal data breach (where the personal data breach will likely result in high risks to the freedoms and rights of the data subject) within reasonable time of being aware of the breach.MoMo shall take steps to investigate and recover personal data. MoMo will also ensure that controls are enhanced to prevent a re-occurrence of the breach.
You have a right to lodge a complaint before an appropriate authority for any breach of Your rights.
Kindly notify Us:
- If You believe Your MoMo platform via website and/or mobile application or subscription account to MoMo products and services has been compromised.
- If You have been contacted by someone via email or SMS about Your MoMo websites, mobile applications, products and services account asking for a password, birth date or other personal or company information.
- If You believe Your Personal Information has been used for fraudulent activity.
- If You have any other enquiry relating to information privacy and security.
12. YOUR OBLIGATIONS
As a Customer and/or user, there are certain obligations expected from You. Some of these obligations are imposed by applicable law and regulations, and others have become commonplace for MoMo:
- You must always abide by the terms and conditions of this Notice and any agreement relating to MoMo products and services that You have subscribed to. This includes respecting all intellectual property rights that may belong to Third Parties (such as trademarks or photographs).
- You must not download or otherwise disseminate any information that may be deemed to be injurious, violent, offensive, racist or xenophobic, discriminates against people on the basis of gender and sexual orientation threatens the rights and safety of others, or which may otherwise violate the purpose and spirit of MoMo and its community of users on MoMo websites and/or mobile applications.
- You must not provide MoMo with information that You believe might be false or misleading.
- You must keep Your username and password confidential and not share it with others.
- Promptly notify MoMo at the Contact Details indicated below, where You wish to exercise any of Your rights with respect to Your Personal Information.
13. RIGHT TO AMEND THIS PRIVACY NOTICE
MoMo may, at any time, change its Privacy policy and this Privacy Notice by posting the amended version on www.momopsb.com. Unless otherwise stated, the current version will apply each time You access this website.
14. CONTACT DETAILS
Attention: Data Processing Officer
Address: MoMo Payment Service Bank
Email address: dpo@momopsb.com
Last updated August 2022
The Supplier/Agent Privacy Notice explains how MoMo Payment Service Bank processes Your Regulations Company’s Personal Information, as is required by the Nigerian Data Protection 2019 . MoMo Payment Service Bank is committed to protecting Supplier/Agent privacy and to ensure that Your Company Personal Information is processed pr operly, lawfully and transparently. This Notice incorporates Our Privacy Policy available at https://www.momopsb.com
To Whom does This Notice Apply
All prospective, existing and former Suppliers/Agent, third party consultants and their staff members during and after contracting with MoMo Payment Service Bank as prescribed by law.WHO ARE WE (MoMo)?
- MoMo refers to MoMo Payment Service Bank, with Registration No: 1870676 and principal place of business at Akin Adesola, Victoria Island, Lagos. P.M.B 80147 Adeola Odeku Post Office, Victoria Island, Lagos.
MoMo Payment Service Bank (PSB) is a fully registered limited liability company with Corporate Affairs Commission (CAC) and licensed by the Central Bank of Nigeria (CBN) to offer financial services.
2. KEY DEFINITIONS
The following key terms should be read in conjunction with this notice:
Consent
Freely given indication of the Supplier/Agent’s wishes or a clear affirmative action signifying Supplier/Agent’s agreement to the processing of Personal Information relating to the Supplier/Agent.Data Subject
The person (natural or juristic) to whom Personal Informa tion relates. In this case, the Supplier/Agent.Supplier
Any person who works for or provides services to or on behalf of MoMo and receives, or is entitled to receive, remuneration and any other person who assists in carrying out or conducting the business of MoMo. This includes employees, agents, representatives and sub-contractors of Suppliers/Agents.NITDA
National Information Technology Development AgencyPersonal Information
Information relating to an identifiable, living, natural person, and where it is applicable, an identifiable, existing juristic person.This includes, but is not limited to, details such as Your name, phone number, address, age, bio-data, curriculum vitae, marital status, gender, ethnicity, health details, location information, online identifier, the personal opinions, views or preferences of the person; Company’s registered name, registration number, Director’s names, ID numbers, addresses and other Company details which could include: financial information and banking details and registered or unregistered identification or proprietary marks etc
Processing / Process of Personal Information
Any operation or activity or any set of operations, whether by automatic means, concerning Company Personal Information, including—(a) the collection, receipt, recording, organisation, collation, storage, updating or modification, retrieval, alteration, consultation or use;
(b) dissemination by means of transmission, distribution or making available in any other form; or
(c) merging, linking, as well as restriction, degradation, erasure or destruction of Personal Information.
Operator
A third-party who is processing Company Personal Information for MoMo in terms of a contract or mandate, without coming under the direct authority of that party.Special Personal Information
- The religious or philosophical beliefs, race or ethnic origin, trade union membership, political persuasion, health or sex life / orientation or biometric Personal Information of a data subject,
- The criminal behaviour of a Data Subject to the extent that such information relates to:
- The alleged commission by a data subject of any offence; or
- Any proceedings in respect of any offence allegedly committed by a data subject or the disposal of such proceedings.
“Company”, “You”, “Your”
Referring to the juristic entity or an individual as a Supplier/ Agent with whom MoMo has entered into a binding arrangement or contract“Us”, “We”, “Our”
MoMo Payment Service BankMoMo Data
MoMo Personal Information, Personal Information of its affiliates, customers, employees, agents, representatives, contractors and professional advisors.3. PERSONAL INFORMATION MANAGEMENT
3.1 WHAT IS BEING COLLECTED
MoMo collects Personal Information about the Supplier/agent that may be used in the procurement and contracting processes including employee relations.MoMo also collects information about the usage of MoMo information technology and electronic equipment including, but not limited to, telephone, internet usage and emails as defined in the Acceptable Usage policy.
3.2 WHERE IS IT COLLECTED FROM
MoMo collects Personal Information directly from a Supplier/Agent during the Self-registration process, Pre-qualification process and procurement process where they provide Us with Your Company Personal Information.Where possible, we will inform You what Personal Information is mandatory and what Personal Information is optional. We also collect Personal information about You from other sources with Your permission such as third parties, background search at relevant agencies, CCTV footage and IT equipment related to Your products or services provided.
3.3 WHY IS IT BEING COLLECTED
MoMo collects Your Company Personal Information (including special company information):- to carry out and manage business operations;
- to fulfil contractual agreement(s);
- to administer the benefits and services to Suppliers;
- for occupational health administration; work management; business travel; corporate security; organisational charts; archiving emails for disaster recovery purposes, legal and regulatory reporting obligations; and any other legitimate business interests.
3.4 MONITORING WITHOUT NOTICE
MoMo will monitor Supplier/agent system activity without notice when there are grounds for suspecting criminal activity or investigations and proceedings as well as regular auditing; when informing the Supplier/agent about the monitoring would make it difficult to prevent or detect such wrongdoing.3.5 TO WHOM DOES MoMo DISCLOSE SUPPLIER PERSONAL INFORMATION
MoMo may disclose Your Company’s Personal Information to the following recipients with Your Company’s duly authorized Consent provided that where the MoMo is precluded by law or legal process from procuring such Consent, MoM shall not seek Your prior Consent to so disclose Your Personal Information.- Internal MoMo processing - Information shared with various business units
- Subject to the directive, related legislation, regulators or judicial commissions of enquiry, any court, administrative or judicial forum, arbitration, statutory commission, or ombudsman making a request for data or discovery in terms of the applicable rules.
- Federal or State Inland Revenue Services, or any other similar Government authority.
- Third parties with whom MoMo has a contractual relationship for the hosting of data and/or provision of relevant business services.
3.6 SAFEGUARD SUPPLIER/AGENT PERSONAL INFORMATION
MoMo takes reasonably practical information security measures to ensure the confidentiality, integrity and availability of Company Personal Information in MoMo’s possession against unauthorized disclosure or unlawful processing, loss, destruction or damage. MoMo requires Third Parties to whom MoMo has business relationships to agree to Our privacy principles, associated policies and practices and the law.3.7 CROSS-BORDER DATA TRANSFERS
- MoMo may require processing Company Personal Information in other countries for business purposes.
- You agree that MoMo shall ensure that the countries have the adequate data protection laws, corporate security policies, procedures, standards to adequately protect Your Personal Information in accordance with the standards prescribed by National Information Technology Development Agency (NITDA).
- Your Personal Information may be stored in The Netherlands or as may be determined from time to time.
- Your Personal Information shall be stored in Oracle Advanced Security Transparent Data Encryption format using Generally Accepted International Security Standards (ISO).
- Your Personal Information shall be subject to the Nigerian Data Protection Regulation 2019 (as may be amended from time to time) and any other applicable Data Protection Regulation.
3.8 INTERNAL MoMo COMMUNICATION
MoMo will use Your Company Personal Information to send You Company news, general communication and internal marketing communications with Your consent. During the tenure of Your contract, MoMo may collect videos and/or photographic pictures about Your resources which may be published internally or externally including but not limited to the MoMo website and MoMo social media pages.3.9 PERIOD OF RETENTION
MoMo will retain and use Your Personal Information in accordance with applicable laws for retention of data, for as long as is necessary with respect to the engagement between MoM and Your Company and to comply with Our legal and business obligations, resolution of disputes and enforcement of this Notice.4. SUPPLIER/AGENT RIGHTS TO PRIVACY
4.1 ACCESS TO PERSONAL INFORMATION
You have the right to request a copy of the Company Personal Information that MoMo holds about Your Company. Please note that any such access request may be subject to a payment of a nominal fee. MoMo will take all reasonable steps to confirm the requester’s identity before providing details of Your Company Personal Information.You can review the information You provided to Us and make any desired changes to the information You have provided. Please be aware that even after Your request for a change is processed, MoMo may, for a time, retain residual information about You in its backup and/or archival copies of its database.
4.2 QUALITY OF PERSONAL INFORMATION
MoMo has established procedures to ensure that Company Personal Information is as accurate and complete as possible. Suppliers/Agents are encouraged to regularly check their records for accuracy and ensure any necessary amendments are made to bring records up to date. Keeping Your Company Personal Information up-to-date and accurate, remains Your responsibility. The necessary updates may be done through Our E-Sourcing portal. Where such service is not available to You, you may notify Procurement, to make the necessary amendments. Some changes will only be made once the necessary supporting documentation has been obtained.4.3 ACCESS TO THIS NOTICE
This notice is published on the MoMo website and You have the right to request a copy of this Notice.4.4 ACCESS TO THIS NOTICE (LANGUAGE)
This Notice is documented in English. As required by law this must be in a language understandable to You. Should this not be the case, MoMo may assist with translation and/or assist with reading this notice to You. This may be necessary to overcome any language barriers or to cater for the visually impaired.4.5 RIGHT TO WITHDRAW CONSENT
You have a right to withdraw Your consent at any time without affecting the lawfulness of Your information that had been received and processed prior to Your withdrawal of consent.4.6 IN THE EVENT OF A BREACH
MoMo takes reasonably practicable security measures to ensure Your privacy. In the event of a privacy breach, a designated MoM official will conduct an internal investigation and provide You with details as to the status of Your Personal Information. You have a right to lodge complaint before an appropriate authority for any breach of Your rights.5. DATA PROTECTION OBLIGATIONS FOR OPERATORS
i. The Supplier/Agent shall solely be responsible for complying with the obligations under applicable privacy and protection of Personal Information laws governing data protection and privacy.
ii. MoMo will not be responsible for investigating the measures that the Supplier/Agent is taking to comply with such laws. MOMO may request from the Supplier/Agent, a copy of its privacy and access to information policy in order to determine the controls in place and measures to ensure compliance with applicable laws relating to data protection and privacy.
iii. The Supplier/Agent warrants and undertakes that it shall:
a. comply with all applicable data protection and privacy laws;
b. comply with all applicable data protection and privacy laws;
c. not access, use or process MoMo Data except to the extent
reasonably necessary in performance of its obligations under any
agreement for which MoMo has enlisted its services;
d. not do any act that exposes MoMo at risk of MoMo Data being
disclosed;
e. implement appropriate technical and security measures to
preserve the integrity of MoMo Data; and
f. prevent any unauthorized or unlawful access, accidental or
unauthorized destruction, corruption, loss, alteration or disclosure
or other prohibited processing of MoMo Data.
iv. The Supplier/Agent hereby undertakes to provide MoMo with information that it has regarding MoMo’s Data and its processing thereof as may be necessary to enable MoMo to comply with its obligations in terms of this clause and the applicable privacy, protection of Personal Information and access to information laws.
v. The Supplier/Agent shall ensure that its affiliates, representatives and subcontractors contractually agree in writing to comply with obligations in relation to the processing of data which are equivalent to those agreed by the Supplier/Agent, as set out in this Notice.
vi. As part of this Notice the Supplier/Agent acknowledges that MoMo’s Data is stored separately from data relating to the Supplier/Agent, its affiliates or any third parties.
vii. The Supplier/Agent shall not transfer MoMo Data across the country borders of Nigeria for any reason, without MoM’s prior written Consent. In the event that MoMo consents to any such cross-border transfer, the Supplier/Agent shall ensure that the transfer is conducted in accordance with the standards prescribed by the National Information Technology Development Agency (NITDA) or any applicable law.
viii. The Supplier/Agent warrants and undertakes to assist MoMo in relation to all access to information requests made by third parties, including data subjects, under any applicable law and such co-operation includes providing all available information to MoM in order for MoMo to respond to the relevant information request.
6. CONTACT DETAILS
For further information, queries, complaints, objections relating to the processing of Your Personal Information You may contact MoMo at the following details.
Attention: Data Processing Officer
Address: MoMo Payment Service Bank
Email address: dpo@momopsb.com
6.1 CHANGES TO THIS NOTICE
MoMo reserves the right to amend this Notice at any time. All amendments to this Notice will be published on https://www.momopsb.com. The current version shall always supersede and replace all previous versions of this Notice.6.2 WHERE IS THE NOTICE PUBLISHED
An electronic version of this Privacy Notice is stored on https://www.momopsb.comPrinted copies may be made available on request.
The Privacy Notice also forms part of the Supplier Registration process on https://www.momopsb.com
6.3 APPLICABLE LAWS
This Privacy Notice is governed by the laws of the Federal Republic of Nigeria. Any disputes which may arise out of this Privacy Notice are subject to the jurisdiction of Nigerian Courts.6.4 DATE OF LAST UPDATE
[August 2022]The Supplier/Agent Privacy Notice explains how MoMo Payment Service Bank processes Your Regulations Company’s Personal Information, as is required by the Nigerian Data Protection 2019 . MoMo Payment Service Bank is committed to protecting Supplier/Agent privacy and to ensure that Your Company Personal Information is processed pr operly, lawfully and transparently. This Notice incorporates Our Privacy Policy available at https://www.momopsb.com
2. KEY DEFINITIONS
The following key terms should be read in conjunction with this notice:
Consent
Freely given indication of the Supplier/Agent’s wishes or a clear affirmative action signifying Supplier/Agent’s agreement to the processing of Personal Information relating to the Supplier/Agent.Data Subject
The person (natural or juristic) to whom Personal Informa tion relates. In this case, the Supplier/Agent.Supplier
Any person who works for or provides services to or on behalf of MoMo and receives, or is entitled to receive, remuneration and any other person who assists in carrying out or conducting the business of MoMo. This includes employees, agents, representatives and sub-contractors of Suppliers/Agents.NITDA
National Information Technology Development AgencyPersonal Information
Information relating to an identifiable, living, natural person, and where it is applicable, an identifiable, existing juristic person. Such information is further elucidated in belowProcessing / Process of Personal Information
Any operation or activity or any set of operations, whether by automatic means, concerning Company Personal Information, including—(a) the collection, receipt, recording, organisation, collation, storage, updating or modification, retrieval, alteration, consultation or use;
(b) dissemination by means of transmission, distribution or making available in any other form; or
(c) merging, linking, as well as restriction, degradation, erasure or destruction of Personal Information.
Operator
A third-party who is processing Company Personal Information for MoMo in terms of a contract or mandate, without coming under the direct authority of that party.Special Personal Information
- The religious or philosophical beliefs, race or ethnic origin, trade union membership, political persuasion, health or sex life / orientation or biometric Personal Information of a data subject,
- The criminal behaviour of a Data Subject to the extent that such information relates to:
- The alleged commission by a data subject of any offence; or
- Any proceedings in respect of any offence allegedly committed by a data subject or the disposal of such proceedings.
3. TO WHOM DOES THIS NOTICE APPLY?
All prospective, existing and former employees including third party consultants and contract staff prior to, during and after employment at MoMo
4. WHO ARE WE (MoMo)?
- MoMo refers to MoMo Payment Service Bank, with Registration No: 999999999-9999 and principal place of business at Akin Adesola, Victoria Island, Lagos. P.M.B 80147 Adeola Odeku Post Office, Victoria Island, Lagos.
MoMo Payment Service Bank (PSB) is a fully registered limited liability company with Corporate Affairs Commission (CAC) and licensed by the Central Bank of Nigeria (CBN) to offer financial services. MoMo Payment Service Bank, is the financial services subsidiary of telecoms company MTN Nigeria PLC.
5. WHAT WE DO
Yello Digital Financial Services is a subsidiary of MTN Nigeria Africa’s largest provider of communications services, and the operator of MoMo Agent service. YDFS is a financial service provider in agency banking and super-agent operation under the CBN Super-Agent framework and agent banking guidelines to provide amongst other services, agent network to serve financial institutions and Mobile Money operators in Nigeria.
6. WHAT INFORMATION DO WE PROCESS?
MoMo collects Personal Information about the Employee that may be used in connection with employment, remuneration, benefits and fulfilment of an employment contract. The contract is subject to change from time to time. The information includes but is not limited to name, age, ID number, address, other contact details, academic records, performance management, income and payment records, financial information and banking details as well as any other details that required for employee verification.
MoMo may collect Special Personal Information about the employee for the fulfilment of an employment contract. This information includes but is not limited to:
- Information relating to the race, gender, sex, pregnancy, marital status, national, ethnic or social origin, color, sexual orientation, age, physical or mental health, well-being, disability, religion, conscience, belief, culture, language and birth of that person.
- Information relating to the education or the medial, financial, criminal or employment history of the person.
MoMo also collects information about the usage of MoMo IT and electronic equipment including, but not limited to, telephone, internet usage and emails as defined in the Acceptable Usage policy.
6.1 WHERE IS IT COLLECTED FROM?
MoMo collects Personal Information directly from the Employee. MoMo will inform you whether the information required to be disclosed is mandatory or voluntary. MoMo also collects information about you from other sources with your permission such as third parties, CCTV footage and IT equipment related to your employment or services provided.6.2 WHY IS IT BEING COLLECTED?
MoMo collects your company Personal information (including special company information):- to carry out and manage business operations;
- to fulfil employee contractual agreement(s);
- for staffing, assessment, recruitment and career development opportunities
- to administer the benefits and services to Employees;
- for purposes of performance management, talent management and succession planning, remuneration and benefits; training and development; management statistics on employment;
- for occupational health administration; work management; business travel; corporate security; organizational charts; archiving emails for disaster recovery purposes, legal reporting obligations; and any other legitimate business interests;
- for the security of MoMo employees and MoMo equipment, facilities and premises
6.3 MONITORING WITHOUT NOTICE
MoMo will monitor Employee activity without notice for auditing or when there are grounds for suspecting criminal activity or disciplinary investigations and proceedings; when informing the Employee about the monitoring would make it difficult to prevent or detect such wrongdoing.7. TO WHOM DOES MoMo DISCLOSE EMPLOYEE PERSONAL INFORMATION?
MoMo may disclose your Personal Information to the following recipients when required to do so by law or to fulfil a contractual obligation or for normal business purposes.
- Internal MoMo processing –Information shared with other business units
- Subject to the directive, related legislation, regulators or judicial commissions of enquiry, any court, administrative or judicial forum, arbitration, statutory commission, or ombudsman making a request for data or discovery in terms of the applicable rules.
- Federal or State Inland Revenue Services, or any other similar Government authority.
- Third parties with whom MoMo has a contractual relationship for the hosting of data and/or provision of relevant business services.
8. HOW DOES MoMo SAFEGUARD EMPLOYEE PERSONAL INFORMATION
MoMo takes reasonably practical information security measures to ensure the confidentiality, integrity and availability of Personal Information in MoMo’s possession against unauthorized or unlawful processing, loss, destruction or damage. MoMo requires Operators to whom MoMo transfers your company Personal Information to agree to our privacy principles, associated policies and practices.
9. CROSS-BORDER DATA TRANSFERS
- MoMo may require processing company Personal Information in other countries for business purposes.
- You agree that MoMo shall ensure that the countries have the adequate data protection laws, corporate security policies, procedures, standards to adequately protect your personal information in accordance with Sensitivity: Public the standards prescribed by National Information Technology Development Agency (NITDA) or the Honorable Attorney General of the Federation.
- Your personal information may be stored in Nigeria
- Your personal information shall be stored in Oracle Advanced Security Transparent Data Encryption format using Generally Accepted International Security Standards (ISO).
- Your Personal Information shall be subject to the NITDA Data Protection Regulation 2019 (as may be amended from time to time) and any other applicable Data Protection Regulation.
10. INTERNAL MOMO COMMUNICATION
MoMo will use your company Personal Information to send you company news, general communication and internal marketing communications with your consent. During the tenure of your contract, MoMo may collect videos and/or photographic pictures about your resources which may be published internally or externally including but not limited to the MoMo website and MoMo social media pages.
11. EMPLOYEE RIGHTS TO PRIVACY
1.11.1 ACCESS TO PERSONAL INFORMATION
You have the right to request a copy of the company Personal Information that MoMo holds about your company. MoMo will take all reasonable steps to confirm your identity before providing details of your company Personal Information.1.11.2 QUALITY OF PERSONAL INFORMATION
MoMo has established procedures to ensure that Employee company Personal Information is as accurate and complete as possible. Employees are encouraged to regularly check their records for accuracy and ensure any necessary amendments are made to bring records up to date. Keeping your company Personal Information up-to-date and accurate, remains your responsibility. The necessary updates may be done through our E Source portal or HRIS portal as applicable. Where such service is not available to you, you may notify Procurement or HR as applicable, to make the necessary amendments. Some changes will only be made once the necessary supporting documentation has been obtained.1.11.3 ACCESS TO THIS NOTICE.
You have the right to request a copy of this Notice.1.11.4 ACCESS TO THIS NOTICE (LANGUAGE)
This Notice is documented in English. As required by law this must be in a language understandable to you. Should this not be the case, MoMo may assist with translation and/or assist with reading this notice to you. This may be necessary to overcome any language barriers or to cater for the visually impaired.1.11.5 IN THE EVENT OF A BREACH
MoMo takes reasonably practicable security measures to ensure your privacy. In the event of a privacy breach, a designated MoMo official will conduct an internal investigation and provide you with details as to the status of your Personal Information.1.11.6 RIGHT TO OBJECT TO PROCESSING OF INFORMATION
An employee has a right to object to the procession of their Personal Information. Employees who want to exercise this right must submit their objection in writing to the contact details below.MoMo may in certain circumstances comply with such a requirement, and in other circumstances, provide the employee with reasons for objecting to such a request.
1.11.7 Contact Details
For further information, queries, complaints, objections relating to the p may contact MoMo at the following details.
Attention: Data Processing Officer
Address: MoMo Payment Service Bank
Email address: dpo@momopsb.com
12. CHANGES TO THIS NOTICE
MoMo reserves the right to amend this Notice at any time. All amendments to this Notice will be published on https://www.momopsb.com. The current version shall always supersede and replace all previous versions of this notice.
13. APPLICABLE LAWS
This Privacy Notice is governed by the laws of the Federal Republic of Nigeria. Any disputes which may arise out of this Privacy Notice are subject to the jurisdiction of Nigerian Courts.
14. DATE OF LAST UPDATE
[July 2022]
We collect and receive information about you in the following ways:
1.1. Information you give us
This includes any information that you provide to us directly:
1.1.1. when you sign-up to utilise our services;
1.1.2. by filling in forms on our Website, or those provided to you; or
1.1.3. when you contact us or we contact you and you provide information directly to us.
1.2. What personal information we collect
1.2.1. When you register to use our services, you will be required to provide us with the following information, your:
name and surname;
contact number and email address;
physical address;
identity or passport number; and
date of birth.
1.3. Information we collect or receive when you use our Website
We collect information when you use the Website by using cookies, web beacons and other technologies. Depending on how you access and use the Website, we may receive:
1.3.1. log information;
1.3.2. information we infer about you based on your interaction with products and services;
1.3.3. device information (for example the type of device you're using, how you access platforms, your browser or operating system and your Internet Protocol ("IP") address);
1.3.4. location information.
1.4. Information from third-party sources
We may receive additional information about you that is publicly or commercially available and combine that with the information we have collected or received about you in in other ways.
2. How we use the information we collect and receive
We use the information we collect and receive for the following general purposes:
2.1. to provide you with information, products or services you request from us;
2.2. in order to refer you to an appropriate third-party service provider;
2.3. to communicate with you;
2.4. to provide you with support;
2.5. to provide effective advertising (for example to be provide you with news, special offers and general information about other goods, services and events which we offer, that are similar to those that you have already hired or enquired about).
3. How we share the information we collect and receive
3.1. We don’t sell your personal information to third parties for their marketing purposes.
3.2. We may share information with:
3.2.1. our affiliates, in other words, other companies in our group;
3.2.2. we may disclose your personal information to a limited number of our employees and third party service providers (other than those who we refer you to), who we assist you to interact with;
3.2.3. our business partners. We may share non-personally identifiable information with select business partners;
3.2.4. other parties in response to legal process or when necessary to conduct or protect our legal rights;
3.2.5. companies that provide services to us. Companies that provide services to us or act on our behalf may have access to information about you. These companies are limited in their ability to use information they receive in the course of providing services to us or you;
3.2.6. third-parties where you provide consent. In some cases, third-parties (often advertisers) may wish to attain information about you in order to promote their products to you, or for whatever other reason. We may share information with third-parties where you provide consent in the form of an explicit opt-in. Before we ask you to opt-in, we will endeavour to provide you with a clear description of what data would be shared with the third-party. Remember that once you have opted in to allow us to send your information to the third-party, we cannot control what they do with your data; therefore, be sure to investigate their privacy policies before providing permission for us to share your information.
4. Your rights
4.1. You have the right to ask us not to contact you for marketing purposes. You can exercise this right at any time by using any of the various "opt-out" options that we will always provide to you when we communicate with you. We won’t send you marketing messages if you tell us not to but we will still need to send you service-related messages.
4.2. Our Website uses cookies. If you wish to reject our cookies, you can configure your browser to do so.
4.3. We want to make sure that any data we hold about you is up to date. So, if you think your personal information is inaccurate, you can ask us to correct or remove it.
5. Retention of data
We will retain your personal information only for as long as is necessary for the purposes set out in this privacy policy or to comply with our legal obligations, resolve disputes, and enforce our legal agreements and policies.
6. Our commitment to security
The security of your data is important to us. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security. However, we do employ a number of safeguards intended to mitigate the risk of unauthorized access or disclosure of your information. We will do our best to protect your personal information and we will use up to date technology that will help us to do this. We will at all times comply with our obligation under applicable law.
7. Transfer of data
7.1. We are based in and operate from South Africa. Your information, including personal information, may be transferred to and maintained on servers located outside of your country of residence, where the data privacy laws, regulations and standards, may not be equivalent to the laws in your country of residence.
7.2. We might transfer your personal information to places outside of South Africa and store it there, where our suppliers might process it. If that happens, your personal information will only be transferred to and stored in country that has equivalent, or better, data protection legislation than South Africa or with a service provider which is subject to an agreement requiring it to comply with data protection requirements equivalent or better than those applicable in South Africa.
7.3. Your use of our website, followed by your submission of information to us, represents your consent to such transfer.
7.4. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this privacy policy.
8. Links to other websites
Our Website may contain links to and from websites, mobile applications or services of third parties, advertisers or affiliates. Please note that we are not responsible for the privacy practices of such other parties and advise you to read the privacy statements of each website you visit which collects personal information.
9. Changes to this privacy policy
We may update this privacy policy from time to time. Any changes that we may make to our privacy policy will be posted on our Website and will be effective from the date of posting.
10. Access to your personal information
10.1. You may at any time request:
10.1.1. confirmation that we hold your personal information;
10.1.2. access to your personal information;
10.1.3. the identities or categories of third parties to whom we have disclosed your personal information; or
10.1.4. that we correct or delete any personal information that is incomplete, misleading, inaccurate, excessive or out of date.
10.2. Requests may be made in writing to info@mtn.com
11. Use of cookies on our website
11.1. We might use cookies and other techniques such as web beacons when you visit the website momo.mtn.com. “Cookies” are small text files used by us to recognise repeat users, facilitate your on-going access to, and use, of our Website. Cookies allow us to track your usage behaviour and compile aggregate data that will help us to improve the functionality of our Website and content. For example, by storing your preferred settings for the next time you visit our Website. “Web beacons” (also called web bug, tracking bug, tag, web tag, page tag, tracking pixel, pixel tag, 1×1 GIF, or clear GIF) are small, clear picture files used to follow your movements on our website. For example, by showing us whether you accessed certain content.
11.2. The information we collect from cookies enables us to:
11.2.1 tailor our Website to your personal needs;
11.2.2. remember the notifications that you have been shown, so that you are not shown them again;
11.2.3. help us link your browsing information to you and your personal information, for example, when you choose to register for a service
11.2.4. make improvements and updates to our Website based on the way you want to use them; and
11.2.5. we generally do not use cookies to identify you personally.
11.3 The type of information collected by cookies is not used to personally identify you
12. What kind of cookies do we use?
We use the following categories of cookies:
12.1 Category 1: necessary cookies
Necessary cookies enable you to use our Website and all its features, such as enabling access to secure areas of the Website. Without these cookies you may not be able to use all the features of our Website. These cookies do not store any personally identifiable information
12.2 Category 2: performance cookies
Performance cookies collect information about how you use our Website so we can improve the Website for you in future. For example, they collect information on which pages you visit most often and any error messages you may get. The information collected by these cookies is anonymous. They do not collect any information that can identify you personally.
12.3 Category 3: functionality cookies
Performance cookies collect information about how you use our Website so we can improve the Website for you in future. For example, they collect information on which pages you visit most often and any error messages you may get. The information collected by these cookies is anonymous. They do not collect any information that can identify you personally.
12.4 Category 4: targeting/advertising cookies
Performance cookies collect information about how you use our Website so we can improve the Website for you in future. For example, they collect information on which pages you visit most often and any error messages you may get. The information collected by these cookies is anonymous. They do not collect any information that can identify you personally.
12.5 Category 5: social media cookies
Performance cookies collect information about how you use our Website so we can improve the Website for you in future. For example, they collect information on which pages you visit most often and any error messages you may get. The information collected by these cookies is anonymous. They do not collect any information that can identify you personally.
13. How can you manage your cookie settings?
13.1. To ensure you get the best possible experience when visiting our websites, we recommend that you accept cookies. However, you can opt-out of each cookie category (except strictly necessary cookies) by clicking on the “cookie settings” button or disable cookies in your web browser.
13.2. Cookies may, however, be necessary to provide you with certain features available on our Website. If you disable cookies you may not be able to use these features, and your access to our Website will be limited
Use of this Website is entirely at your own risk. This Website is made available to you by “MTN” conditional upon your acceptance, without modification, of these Terms and Conditions as amended from time to time.
1.1. These Terms and Conditions, including our Privacy Policy and all other polices that may be posted on the Website set out the terms on which we offer you access to use our Website. All of our policies are incorporated into these Terms and Conditions. You agree to comply with all of our policies and in particular these Terms and Conditions when you access and use our Website.
1.2. It is your responsibility to familiarise yourself with these Terms and Conditions and check them regularly for any updates.
1.3. By accessing the Website, you agree to all the terms set out in these Terms and Conditions. Should you not agree to these terms, or any of our updates or changes thereto as dealt with below, you should not access or use the Website.
1.4. You confirm that you are 18 years or older, or that you have been duly assisted to consent to these Terms and Conditions. You may not use the Website if you are younger than 18 years of age. If you are younger than 18 years of age, your parents or another competent adult must consent to the Terms and Conditions. If you are younger than 18 years of age and your parents have not given their consent to these Terms and Conditions, you must not use or access our Website.
1.5. When we refer to “you” or “your” we mean you, the person accessing or using the Website.
1.6. These terms and conditions contain provisions that appear in similar text and style to this clause and which may:
1.6.1. Limit the risk or liability of mtn or a third party; and/or
1.6.2. May create risk or liability for you; and/or
1.6.3. May compel you to indemnify mtn or a third party; and/or
1.6.4. Serves as an acknowledgement, by you, of a fact.
1.7. Your attention is drawn to these Terms and Conditions because they are important and should be carefully noted.
1.8. If there is any provision in these Terms and Conditions that you do not understand, it is your responsibility to ask us to explain it to you before you accept the Terms and Conditions or continue using the Website.
2. Modification of Terms & Conditions
MTN reserves the right, in its sole discretion, to amend (including without limitation, by the addition of new Terms and Conditions) these Terms and Conditions at any time and from time to time without notice to you. Any such amendments shall come into effect immediately and automatically. You undertake to review these Terms and Conditions regularly prior to use of this Website for any such amendments.
3. Definitions
3.1. The following terms shall have the corresponding meanings assigned to them:
3.1.1. “Intellectual Property” means, collectively, the patents, copyrights (and moral rights), Trade Marks, designs, models, brands, names, trade names, graphics, icons, hyperlinks, Know-How, trade secrets and any other type of intellectual property (whether registered or unregistered including applications for and rights to obtain or use same) which are owned by, licensed to, used and/or held (whether or not currently) by MTN on or in connection with this Website.
3.1.2. “Know-How” means all the ideas, designs, documents, diagrams, information, devices, technical and scientific data, secret and other processes and methods used by MTN in connection with this Website, as well as, all available information regarding marketing and promotion of the products and services described in this Website, as well as all and any modifications or improvements to any of them.
3.1.3. “MTN” means Mobile Telephone Networks (Proprietary) Limited, its affiliates, subsidiaries and their subsidiaries. (See About MTN Group of Companies). Any reference to MTN will include the employees, officers, advisers, service providers, suppliers and content providers of MTN.
3.1.4. “Terms and Conditions” means these Terms and Conditions.
3.1.5. “Trade Marks” means those trade marks owned by MTN and any other trade marks, designs, logos, style names and slogans which MTN owns or has the right to use or any derivative service offerings of, and applications for, any of same.
3.1.6. “Website Material” means the contents of this Website, including without limitation, all and any information, data, documents, Intellectual Property, material, products (including software) or services contained in, accessed through, or downloaded or obtained from this Website.
4. Interpretation
4.1. Unless the context requires otherwise or it is expressly stated to the contrary, any words and phrases:
4.1.1. defined in these Terms and Conditions will bear the same meaning throughout these Terms and Conditions;
4.1.2. not defined in these Terms and Conditions but defined in ECTA will bear the same meaning given to them in ECTA.
4.2. A copy of ECTA can be viewed and downloaded here.
4.3. The headings used in these Terms and Conditions are for the purpose of convenience and reference only and shall not be used in the interpretation of nor modify nor amplify the whole or any part of these Terms and Conditions.
4.4. No term or provision contained in these Terms and Conditions is to be interpreted or construed so as to exclude any rights granted by Chapter VII of the Electronic Communications and Transactions Act 25 of 2002 to any natural person who enters or intends entering into an electronic transaction with MTN on this Website.
4.5. References to “writing” or notices “in writing” by MTN in these Terms and Conditions only includes writing on paper signed in ink by an authorised representative of MTN and specifically excludes any writing which may be in electronic form.
4.6. Any reference in these Terms and Conditions to a party shall, if such party is liquidated or sequestrated, be applicable also to and binding upon that party’s liquidator or trustee, as the case may be.
5. Website Material
5.1. Subject to the provisions of these Terms and Conditions, you may only download, view and print the Website Material restrictively for your own personal use and only for non-commercial purposes. This permission does not extend to the source code of this Website or to the source code of any software or computer program that forms part of the Website Material.
5.2. You may not alter, modify, decompile, reverse-engineer, copy, reproduce, distribute, transfer, sell, transmit, display, broadcast, publish, exploit, license or create derivative works from the Website Material.
5.3. You may not use this Website or the Website Material for any illegal or unlawful purposes or as prohibited by these Terms and Conditions.
5.4. You may not link to any page on this Website or frame this Website or any of the pages on this Website in any way whatsoever without the prior written permission of MTN. Recognising the global nature of the Internet, you agree to comply with all local laws, rules and regulations regarding online conduct.
5.5. This Website is Copyright MTN. All rights reserved. You must get MTN’s prior written approval if you wish to copy, reproduce, distribute, transmit, display, broadcast or publish any Website Material, whether electronically or otherwise. Unless the relevant additional Terms and Conditions provide otherwise, requests for approval must be submitted to. MTN is entitled, in its sole discretion, to withhold or grant consent and may also impose any conditions on any consent which is granted.
5.6. To the extent that any copying, reproduction, distribution, transmission, display, broadcasting or publishing of any Website Material may be expressly permitted by MTN (such permission to be interpreted in its most restrictive sense) you may do so, provided that all Trade Marks, trade names and all copyright, ownership, proprietary and confidentiality notices as are included on the original are retained and displayed without alteration or modification and not in any manner obscured or removed.
5.7. You may not print any part of the Website or the Website Material, except where MTN expressly states that you may do so. When printing the Website or the Website Material, you must ensure that the following copyright notice appears prominently on every page that is printed: Copyright Mobile Telephone Networks. All rights reserved.
5.8. You acknowledge that you do not acquire any ownership rights or rights of use in or to any Website Material by downloading that Website Material or by copying, reproducing, distributing, transmitting, displaying, broadcasting or publishing that Website Material where permitted to do so.
5.9. You may not transfer any rights or obligations in terms of these Terms and Conditions to any other person or entity.
5.10. You are solely responsible for obtaining and maintaining all facilities, services, products and equipment which may be required by you for the exercise of your rights of permitted use of this Website.
6. Your behaviour when using this Website
6.1. You may not use this Website to obtain or distribute:
6.1.1. copyrighted material or material protected by laws relating to intellectual property rights without the permission of MTN;
6.1.2. material containing viruses or any other destructive materials or data or code which is able to corrupt, interfere with, jeopardise, disrupt, disable, harm or otherwise impede in any manner the operation of a computer system or hardware or software;
6.1.3. material which is defamatory, unlawful or contains hate speech;
6.1.4. bulk e-mail, whether solicited or unsolicited;
6.1.5. an unreasonable load on our infrastructure or interfere with the proper working of the Website;
6.1.6. copy, modify, resell, or distribute any content on the Website without our consent;
6.1.7. use any robot spider, scraper or other automated means to access the Website and collect content for any purpose without our express written permission;
6.1.8. harvest or otherwise collect information about others, including email addresses, without their consent or otherwise violate the privacy of another person; or
6.1.9. bypass measures used to prevent or restrict access to the Website.
6.2. You must not interfere with or jeopardise the functionality or the operation of any part of this Website or attempt to interfere with or jeopardise, disrupt, disable, harm or otherwise impede in any manner the functionality or operation of any part of this Website or of the Website Material.
6.3. You are strictly prohibited from using this Website for “spoofing”, “hacking”, “flaming”, “cracking”, “phishing” or “spamming”.
6.4. You may not intercept any information transmitted to or from MTN or this Website which is not intended by MTN to be received by you.
6.5. You must respect other users of this Website at all times.
6.6. Any reference in these Terms and Conditions to a party shall, if such party is liquidated or sequestrated, be applicable also to and binding upon that party’s liquidator or trustee, as the case may be.
6.7. We reserve the right at our discretion to restrict a user's usage of the site either temporarily or permanently, or to refuse a user's registration.
6.8. You understand and agree that the information, details and descriptions set out on this Website, including the details regarding the products and services may change from time to time.
7. Intellectual property
7.1. Any and all copyright relating to the Website, including these Terms and Conditions, is held by MTN. All rights not expressly given are reserved. Much of what you see on the Website is produced by MTN. You may download, view and print content from this site only for private and non-commercial ends, if you do so, you agree not to remove any watermark or other mark on any image.
7.2. All content, trademarks and data on this Website, including but not limited to software, databases, text, graphics, icons, links, private information, designs and agreements, are the property of or under licence of MTN. As such they are protected by local and international legislation and agreements.
7.3. This Website is Copyright Mobile Telephone Networks. All rights reserved.
7.4. The Intellectual Property is owned by MTN or used under license or with permission. Trade Marks displayed on this Website are either trade marks owned by MTN or belong to their respective owners. You may not copy, reproduce, display or use any Intellectual Property in any manner whatsoever without MTN’s prior written permission and nothing contained on this Website should be construed as granting any licence or right of use of any Intellectual Property.
7.5. Where any of the Website Material has been licensed to MTN or belongs to any third party, your rights of use will also be subject to any Terms and Conditions which that licensor or third party imposes from time to time and you agree to comply with such Terms and Conditions.
8. Changes to the Website and removal of access
MTN may, in its sole discretion, change, amend, suspend, withdraw or discontinue any aspect, feature, product, service or information contained on this Website at any time without any prior notice to you. MTN may also impose limits on certain features and services or restrict your access to any or all of the Website or Website Material without notice or liability.
9. Disclaimers and limitations of liability
9.1. Your use of this Website and reliance on any Website Material or services available on this Website is entirely at your own risk. This Website, including all Website Material, is provided “as is” and MTN will not be liable for any unavailability, interruption, downtime, malfunction, or failure of this Website or the Website Material for any reason whatsoever.
9.2. MTN does not represent or endorse the accuracy or reliability of any advice, opinion, statement, or other information displayed on, linked to or distributed through this Website or the Website Material. You acknowledge that any reliance upon any such opinion, advice, statement or information shall be at your sole risk. MTN reserves the right, in its sole discretion, to correct any errors or omissions in any portion of this Website and the Website Material.
9.3. Information, ideas and opinions expressed on this Website and in the Website Material should not be regarded as professional advice or the official opinion of MTN and you are strongly advised to seek professional advice before taking any course of action related to them.
9.4. Subject to the provisions of the Electronic Communications and Transactions Act 25 of 2002 (“ECTA”) and to the fullest extent permissible by law, MTN disclaims all warranties of any kind, whether express or implied, including without limitation to the implied warranties of merchantability or fitness for a particular purpose, in respect of this Website and the Website Material. MTN does not warrant that the functions contained in this Website or the Website Material will meet your requirements; will be uninterrupted, timely, secure or error free; will meet your requirements or operate in every combination selected by you for use; that any defects or errors will be corrected; or that this Website or the Website Material or the server that makes them available is free of viruses or other harmful components. MTN does not warrant that this Website or the Website Material will provide specific results from use of this Website or the Website Material or any content, search or link within them or that the results that may be obtained from the use of this Website will be accurate or reliable.
9.5. Whilst MTN takes reasonable precautions in its operation of the Website, neither MTN nor its agents or representatives will assume any responsibility and neither MTN nor its agents or representatives (in whose favour this constitutes a stipulatio alteri) shall be liable for any damages to or for viruses that may infect your computer equipment or other property on account of your access to, use of or browsing of this Website or the Website Material or your downloading of any materials, data, text images, video or audio from this Website or the Website Material. Any material downloaded or otherwise obtained through the use of this Website or the Website Material is done at your own discretion and risk and you will be solely responsible for any damage to your computer system or loss of data that results from the download of any such material.
9.6. You agree that under no circumstances whatsoever, including as a result of MTN’s negligent (including grossly negligent) acts or omissions or those of its servants, agents or contractors or other persons for whom in law MTN may be liable, shall MTN or its servants, agents or contractors or other persons for whom in law MTN may be liable (in whose favour this constitutes a stipulatio alteri) be liable for any indirect, extrinsic, special, penal, punitive, exemplary or consequential loss, damage or damages of any kind whatsoever or howsoever caused (whether arising under contract, delict or otherwise and whether the loss was actually foreseen or reasonably foreseeable), including but not limited to any loss of profits, loss of revenue, loss of operation time, corruption or loss of information or data and/or loss of contracts sustained by you, your directors, servants, dealers or customers, resulting from your use of or inability to use the Website or the Website Material.
10. Indemnity
You hereby indemnify mtn and its officers, directors, employees, servants, agents or contractors or other persons for whom in law mtn may be liable (in whose favour this constitutes a stipulatio alteri) from any loss, damage, damages, liability, claim or demand due to or arising out of your use of this website or the website material or your breach of these terms and conditions. Mtn will not be liable for any direct, indirect, incidental, special or consequential loss or damages which might arise from your use of, or reliance upon, the website or the website material contained in the website; or your inability to use the website, and/or unlawful activity on the website and/or any linked third party website.
11. Links
Links to and from this Website to other Websites belonging to or operated by third parties do not constitute an endorsement by MTN of such linked Websites or their contents nor do they constitute any association by MTN with their owners or operators. MTN has no control over such linked Websites and is not responsible or liable for any content, goods or services available on or through any such linked Websites or for any damage, damages or loss caused or alleged to be caused by or in connection with your use of or reliance on any such content, goods or services available on or through any such linked Websites. You agree that where you access linked Websites, you do so entirely at your own risk.
12. Dealings with third parties
Your interaction, correspondence or business dealings with third parties which are referred to or linked to or from this Website entirely at your own risk and are solely between you and such third party including the acquisition, disposal, payment and delivery of any goods or services, and any terms, conditions, warranties or representations associated with such interaction, correspondence or business dealings. You are solely responsible for identifying and familiarising yourself with any terms and conditions which will govern your relationship with such third party. You agree that MTN shall not be responsible or liable for any damage, damages or loss caused or alleged to be caused by or in connection with your interaction, correspondence or business dealings with such third parties.
13. Variation of certain deeming provisions in ECTA
13.1. By using this Website, you agree that these Terms and Conditions create a binding agreement between MTN and you, even though these Terms and Conditions are wholly or partly in the form of a data message. You agree specifically that:
13.1.1. the agreement will be treated as if it was concluded at MTN’s physical address detailed in clause 16.1 below on the date on which you first made any use of this Website;
13.1.2. an electronic signature is not required by you or MTN for purposes of agreeing to these Terms and Conditions. You agree that by using this Website or the Website Material this will be sufficient evidence of your agreement to these Terms and Conditions;
13.1.3. any data message sent by you to MTN will be deemed to have been sent from MTN’s physical address detailed in clause 16.1 below if neither your usual place of business nor residence is located within the Republic of South Africa;
13.1.4. any data message sent by MTN to you will be deemed to have been received by you at MTN’s physical address detailed in clause 16.1 below if neither your usual place of business nor residence is located within the Republic of South Africa;
13.1.5. a data message sent by you to MTN will only be treated as having been received by MTN when an acknowledgement of receipt is sent by an individual who had authority to act on behalf of MTN in respect of that data message; and
13.1.6. this agreement will be interpreted and implemented in accordance with the laws of the Republic of South Africa and you agree to the jurisdiction of the courts of the Republic of South Africa.
14. Disputes
14.1. In the event that any claim, matter or dispute arises between you and MTN arising out of or in connection with your use of this Website, the Website Material or these Terms and Conditions the claim, matter or dispute may be finally resolved in accordance with the Commercial Rules of the Arbitration Foundation of South Africa by an arbitrator or arbitrators appointed by that foundation. The arbitration shall be held at Johannesburg in the English language and shall be held immediately with a view to be completed within 21 (twenty one) days after it is demanded. You agree that the decision of the arbitrator in the arbitration proceedings shall be final and binding on you and may be made an order of court.
14.2. MTN reserves the right to deal with the matter in a forum of its choice, which will include but will not be limited to, the courts of the Republic of South Africa. This right will continue to apply after termination, cancellation or amendment of these Terms and Conditions. You agree that MTN is entitled, but is not obliged, to institute any proceedings arising out of or in connection with these Terms and Conditions or your use of the Website or of the Website Material, in any Magistrates’ Court in the Republic of South Africa having jurisdiction over you, even though the cause of action in question exceeds the jurisdiction of that court.
14.3. Notwithstanding the above provisions, either party shall be entitled to institute action in any court of law of competent jurisdiction to obtain urgent interim relief or (in the case of MTN) to collect any outstanding debts due and payable by you to MTN.
15. Governing law
This Website is hosted, controlled and operated from the Republic of South Africa. The parties agree that these Terms and Conditions shall be governed by and construed and interpreted in accordance with the laws of the Republic of South Africa. To the extent that a court has jurisdiction over any matter between the parties arising out of or in connection with these Terms and Conditions, the parties submit themselves to the exclusive jurisdiction of the High Court of the Republic of South Africa (Witwatersrand).
16. Legal service of documents and notices
16.1. MTN chooses the below addresses for service for all purposes under these Terms and Conditions, whether in respect of court process, notices or other documents or communications of whatsoever nature:
16.1.1. Postal Address: Private Bag 9955 2118 Republic of South Africa
16.1.2. Physical Address: 216 – 14th Avenue Fairland Roodepoort 2195 Republic of South Africa
16.1.3. current fax no: 011-912-3001
16.1.4. All notices to MTN must be marked for the attention of MTN Commercial Legal Department All notices of a legal nature or relating to legal proceedings must be delivered by registered post to MTN’s above postal address and also either delivered by hand to MTN’s above physical address or sent to MTN’s above fax number.
16.1.5. Notices given to the above addresses will only be deemed to have been duly given:
-
16.1.5.1. 14 days after posting, if posted by registered post to MTN’s postal address;
16.1.5.2. 3 days after delivery, if delivered by hand to MTN’s physical address;
16.1.5.3. 3 days after confirmed successful transmission, if sent to MTN’s fax number.
17. Severability
Any provision in these Terms and Conditions which is or may become illegal, invalid or unenforceable shall be ineffective to the extent of such prohibition or unenforceability and shall be treated pro non scripto and severed from the balance of Terms and Conditions, without invalidating the remaining provisions of these Terms and Conditions.
18. Privacy policy
18.1. You acknowledge that you have read and understood MTN’s Privacy Policy, the terms of which are incorporated into these Terms and Conditions.
18.2. You agree that we shall be entitled to send “cookies” from this Website to your computer. You acknowledge that a “cookie” is simply a message given by our Website to your browser which is stored on your computer and contains information to personalise your experience on our Website by being relayed to our server each time your browser requests a page from our Website.
19. Monitoring of communications
19.1. You expressly give your consent for us to monitor your internet and e-mail traffic on our various Website servers and domains. You acknowledge that MTN monitors internet and e-mail traffic on these various Website servers and domains primarily to ensure that surfers and consumers are not acting illegally, unlawfully or in breach of these Terms and Conditions and:
19.1.1. to maintain the integrity and security of our Websites and our information technology systems;
19.1.2. to investigate and detect any unauthorised use of our Websites and our information technology systems; and
19.1.3. as an inherent part of and to secure the effective operation of our Websites and our information technology systems.
20. Termination
If you breach any of these Terms and Conditions, MTN may immediately, automatically and without notice to you, terminate your use of and access to MTN’s Website, and/or prohibit your future access to use of MTN’s Website, and/or take appropriate legal action against you (including without limitation, applying for urgent and/or interim relief or claiming damages), without incurring any liability to you of any nature whatsoever and howsoever arising, and all of MTN’s rights in this regard are expressly reserved.
21. Costs
Any costs, including legal costs on the attorney and own client scale and value-added tax, incurred by MTN arising out of your use of this Website or the Website Material, or a breach of these Terms and Conditions, will be borne by you.
22. Whole agreement
22.1. These Terms and Conditions constitute the whole agreement between you and MTN relating to your access to use of this Website.
22.2. No indulgence, extension of time, waiver or relaxation of any of the provisions or terms of these Terms and Conditions which MTN may show, grant or allow you shall operate as an estoppel against any party in respect of its rights under these Terms and Conditions nor shall it constitute a waiver by MTN of any of MTN’s rights and MTN shall not thereby be prejudiced or stopped from exercising any of its rights against you which may have arisen in the past or which might arise in the future.
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CashOut
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Bank Services (Push & Pull)
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CashOut
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Remittancess
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Bank Push & Pull
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