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.

"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.

3.1 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.

4.1. 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.

5.1. 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.

6.1. 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.

7.1. 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.

8.1. 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.

9.1. 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.

10.1. 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.

11.1. 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:

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.

13.1. 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.

14.1. 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.

15.1. 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.

16.1. 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.

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. “PIN” means Personal Identification Number being the secret code you choose for your transactions without which Wallet transactions cannot be executed.

2.20. "POS" means a Point-of-Sale device (Tap and Pay) which is used for Mobile Money transactions.

2.21. "RWF" means Rwandan Francs, being the transacting currency acceptable under this agreement.

2.22. "Services" refers to the services provided by us relating to your Mobile phone to enable you to use Mobile Money.

2.23. “SIM Swap” means the process of replacing an existing SIM with a new one or moving the existing number to the new SIM.

2.24. "SMS" means a Short Messaging Service consisting of a text message.

2.25. "Wallet" refers to a customer’s Mobile Money transactional account which is accessed primarily through their mobile phone.

2.26. "Wallet holder" refers to the person in whose name the Mobile Money Wallet is registered.

2.27. “We” or “Us” refers to Mobile Money Rwanda Limited.

2.28. "You" or “Your” or “Customer” means the Wallet holder.

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 only on our network or on International Roaming unless otherwise notified by MMRL.

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. 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.

4.5. 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.

4.6. 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.

4.7. You hereby expressly consent and authorize us to transfer your personal data in particular:

4.7.1. 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.
4.7.2. 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.
4.7.3. To MMRL lawyers, auditors or other professional advisors or to any court or arbitration tribunal in connection with any legal or audit proceedings.
4.7.4. For reasonable commercial and/or contractual purposes connected to your use of the Services, such as marketing and research related activities; and
4.7.5. In business practices including but not limited to quality control, training and ensuring effective systems operation.
4.7.6. To any other relevant recipients/categories of recipients with domiciles outside Rwanda to the extent permitted by the law.

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.

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/

7.1. 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.

8.1. 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.

9.1. 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.

10.1. 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.

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.

12.1. 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.

13.1. 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.

14.1. 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.

15.1. 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. You must notify us immediately of any change of your details in your application.

15.12. 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.

15.13. 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.

15.14. 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.

15.15. 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.

16.1. 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.

17.1. 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.

18.1. 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.

19.1. 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.

Les présentesdispositions s'appliquent à toutes les offres de Service proposéespar le PSP et s’exécuteront conformément au règlementn°04/18/CEMAC/UMAC/COBAC relatif aux services de paiement dans la CEMAC. Les présentes conditions générales de Service restent applicables pendant toute la duréedu contrat.

Aux fins des présentes conditions générales on entendpar : Accepteur : Le fournisseur de biens et de servicesacceptant la monnaieélectronique à titre de paiement. Compte de paiement ou Compte MTN MoMo : Compte ouvert au nom d’un ou plusieurs clients, dans les livres de MMC, aux fins de l’exécution des services de paiement.

Emission de monnaie électronique : L’émission d’unités de valeurs électroniques en contrepartie de fonds reçus. Mobile Money Corporation (MMC) : Prestataire de Services de Paiement(PSP).

Monnaie électronique : une valeur monétaire représentant une créance sur l’établissement émetteurqui est stockée sous une forme électronique, y compris magnétique ; émise sans délai contre la remise de fonds d’un montant qui n’est pas inférieur à la valeur monétaire émise ; et acceptée comme moyen de paiement par des personnes physiques ou morales autres que l’établissement émetteur.

Partenaire technique : Personnemorale qui fournità un prestataire de servicesde paiement les services techniques ainsi que les conditions matérielles et logicielles pour le traitement des opérations liées aux servicesde paiement. En l’occurrence MTN Cameroon.

Porteur : La personne qui, en vertu d’un contrat qu’elle a conclu avec le PSP, détientde la monnaie électronique.

MTN MOBILE MONEY (le ‘Service’) est un service innovant permettant aux clients à l’échelle nationale et internationale, d’effectuer des services de paiement à partirdu téléphone mobile. Les fonctionnalités potentielles du Servicesont le transfert d’argent (de compte à compte, de compte à espèces, de cash à cash) l’alimentation du compte du Porteur ; l’encaissement de monnaie en espèces auprès des établissements, distributeurs de monnaie et de toutes les agences du PSP ; le paiement de factures ; l’achat de biens et services ; les inscriptions et frais de concoursde différents types et bien d’autres servicesqui seront proposés au fur et mesurede l’évolution du marché.

2.1 Conditions de souscription Pour bénéficier du Service, il faut:

-Être abonné chez MTN Cameroon ou avoir un compte de paiement chez MMC

-Avoir signé les présentes conditions générales qui régissent les relations contractuelles entre MMC et l’abonné Mobile Money ;

-Être majeur ;

-Être identifié par le PSP sur la base d’un document officiel en cours de validité ; Le PSP conservera une copie dudit document.

Les mineurs non émancipés peuvent détenir un compte de monnaie électronique, sous réserve d’une autorisation dûment établie par un parent ou tuteur détenteur d’un document d’identification officiel en cours de validité sous peine de rejet de la demande de souscription.

Les relations contractuelles entre le PSP et le porteur (ouverture de compte, services, fermeture de compte) s’exécuteront, conformément et sous réserve de la législation monétaire, fiscale et tous autres textes, en vigueur en République du Cameroun.

2.2 Modalités d’utilisation du Service

2.2.1 Approvisionnement du compte de paiement

L’approvisionnement du compte de paiement se fait contre remise de monnaie en espèces auprès d’une agence MTN ou d’un Distributeur MTN Mobile Money. Le client n’est donc pas tenu de disposer d’un compte bancaire.

2.2.2 Transfert d’argent de compte à compte
Il s’agit du transfert d’argent à partir du compte d’un abonné Mobile Money vers celui d’un autre abonné ayant un porte-monnaie électronique ;

L’expéditeur et le bénéficiaire doivent chacun disposer d’un compte MTN MoMo et l’expéditeur doit détenir les fonds nécessaires au transfert de monnaie électronique.

2.2.3 Transfert d’argent de compte à espèces

Il s’agit du transfert d’argent d’un abonné MTN Mobile Money vers un client n’ayant pas de compte MTN MoMo. Le non abonné devra alors se rendre dans une agence MTN ou chez un Distributeur Mobile Money.

2.2.4 Transfert d’argent d’espèces en espèces

Il s’agit du transfert d’argent d’un non abonné Mobile Money vers un non abonné Mobile Money. Le transfert d’espèces en espèces nécessite tant pour l’émetteur que pour le bénéficiaire de se rendre dans une agence MTN ou chez un marchand Mobile Money.

2.2.5 Décaissement d’argent

Le client pourra à sa guise procéder au décaissement de la monnaie électronique qu’il détient en se rendant à une agence Mobile Money Corporation ou chez un Distributeur Mobile Money.

2.2.6 Le paiement de factures

Cette transaction permettra au client MTN Mobile Money de régler depuis son portable ou via internet, ses services auprès des prestataires.

2.2.7 L’achat de crédit de communication

Le client Mobile Money pourra procéder via son portable ou internet à l’achat de crédit de communication auprès de MTN.

2.2.8 Paiement d’autres biens et services

Le Porteur doit disposer d’un compte de paiement et détenir les fonds nécessaires au paiement des biens et services. Après le paiement, il appartient au fournisseur du bien ou service de rendre le service au client. MMC n’est pas responsable de la fourniture du service.

2.2.9 Retrait d’argent

2.2.9.1 Pour le titulaire du compte :

Se présenter chez un distributeur muni d’une pièce d’identité et détenir suffisamment de fonds sur le compte de paiement.

2.2.9.2 Pour les autres bénéficiaires :

Se présenter chez un distributeur muni d’une pièce d’identité.

2.2.10 Limitation du montant des transactions :

Le montant plafond de rechargement du porte-monnaie électronique est fixé à 100.000.000 FCFA.

Limitation dans les transferts

Le montant maximum pour une opération de transfert est fixé à 500.000 FCFA.

Ces plafonds sont susceptibles de modification dans les conditions réglementaires.

Les conditions d’utilisation du Service sont disponibles en agence et sur le site web de MMC.

Les Services sont exécutés dans les limites du solde créditeur disponible sur le compte de paiement ou du porte-monnaie électronique support de l’opération. Le client doit, préalablement à chaque transaction, s’assurer de l’existence dans son porte-monnaie électronique Mobile Money de la provision suffisante et disponible. A défaut, la transaction ne pourra pas être exécutée. Le client doit s’assurer de la saisie correcte des données de toutes les transactions qu’il effectue.

Les transactions effectuées via Mobile Money sont exécutées dans le respect de la réglementation en vigueur, notamment bancaire et financière.

2.3 Autres services

MMC pourra proposer d’autres services au Porteur, notamment des services en partenariat avec des établissements financiers dont les conditions générales seront communiquées par écrit.

3.1 Attribution et utilisation du code

Lors de la souscription au service, un code secret à cinq (5) caractères est attribué au porteur qu’il est tenu de garder secret. Toute perte résultant de la divulgation du code secret par l’abonné ou du fait de sa négligence n’incombera pas au PSP.

Ce code est indispensable dans l’utilisation des services et garantit que le PORTEUR est l’auteur des ordres transmis au PSP. Les transferts d’argent et les paiements validés par le PORTEUR sont irrévocables.

Après trois introductions successives de code secret erroné le compte MoMo sera automatiquement bloqué ; le client devra se rendre en agence ou utiliser tout autre service indiqué par MMC pour une réinitialisation de son code.

3.2 Opposition

L’ordre ou l’engagement de payer ou de transférer qui a été donné au moyen du Service est irrévocable. Il peut toutefois être fait opposition au paiement sans délai en cas :

– De perte, de vol ou d’utilisation frauduleuse du porte–monnaie électronique ayant pour support le téléphone mobile, à condition que le portefeuille électronique du PORTEUR n’ait pas été débité.

– De transfert ou d’alimentation du compte erroné, à condition que la somme transférée ou déposée par erreur soit encore disponible dans le compte du bénéficiaire. Toute demande d’extournement de fonds par le Client sera traitée selon la procédure en vigueur à MMC.

L’opposition peut être faite par appel téléphonique au 8787 (service client), du lundi au dimanche 24H/7 ou par écrit (courrier contre décharge, courriel), et par d’autres canaux tels services centers (8H00 à 17H00), serveur vocal interactif (IVR) 24H/7, WhatsApp (8H00–22h00), par le PORTEUR muni de toutes pièces justificatives (la CNI et la déclaration de perte ou de vol). L’opposition verbale et à distance doit être confirmée par écrit dans les 24H ouvrées qui suivent la demande d’opposition. L’opposition pourra également être faite dans une agence du réseau du PSP pendant les Horaires d’ouverture.

Le PSP ne sera pas responsable pour toute transaction erronée imputable au client.

4.1 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.

4.2 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.

5.1. 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

5.2. 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.

6.1 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.

6.2 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.

• 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.

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.

Le PSP prend les mesures propres à assurer la protection et la confidentialité des données à caractère personnel qu’elle détient ou qu’elle traite dans le strict respect des dispositions des règlements n°04/18/CEMAC/UMAC/COBAC relatif aux services de paiement dans la CEMAC, n°01/20/CEMAC/ UMAC/COBAC relatif à la protection des consommateurs, des produits et services bancaires dans la CEMAC. Les informations recueillies dans le cadre de l’exécution du Service feront l’objet d’un traitement informatique. Elles seront utilisées par le PSP et ses partenaires techniques pour l’exécution du Service en cas de prospection directe par SMS, automate d’appel, ou email de l’Abonné, qui pourra s’y opposer sans frais. Ces données peuvent être utilisées dans la cadre d’opérations de marketing direct ou après anonymisation, celles-ci peuvent être communiquées à des cabinets d’étude de marché, de sondage et ce, exclusivement pour des études et analyses.

Les Partenaires assureront également la protection et la confidentialité des données à caractère personnel.

Par ailleurs, le PSP, lorsqu’il en est légalement requis, est tenu de communiquer aux autorités publiques et judiciaires, les informations utiles à l’accomplissement de leur mission dans le respect des dispositions légales et règlementaires en vigueur relatives à la protection des données à caractère personnel.

Le Porteur dispose d’un droit d’opposition à l’utilisation de ses données à caractère personnel, de rectification et de suppression de toutes données personnelles le concernant conformément à la réglementation en vigueur.

Les conditions tarifaires du Service sont mentionnées dans la fiche tarifaire qui sera remise au PORTEUR ou disponible électroniquement notamment via code court à la signature des présentes ; cette signature pouvant être manuelle ou électronique. Les conditions financières du service peuvent être revues à la discrétion du PSP qui devra en informer les clients dans un délai de trente jours. La tarification est disponible également dans chacun des points service du PSP reconnaissable par son logo, sur le menu USSD et sur son site Internet.

Tout usage abusif ou frauduleux du Service expose le PORTEUR aux sanctions pénales prévues par la législation en vigueur et entraîne la résiliation immédiate du contrat sans préavis, ni indemnité.

• Il est expressément convenu entre les parties que Le PSP 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, y compris les modalités de réalisation des Transferts de fonds.


• Il est entendu que toute modification dans l’exécution du Service entrera en vigueur après publication sur le site internet ainsi que sur les canaux digitaux du PSP.

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.

Le contrat peut être résilié du fait des deux parties (Le PSP ou le PORTEUR). La résiliation emporte la clôture du compte de paiement.

14.1 Résiliation du fait du PSP
La perte du droit d’usage du Numéro de Mobile et un manquement par le PORTEUR à l’une des obligations mises à sa charge dans le cadre des présentes conditions générales, entraînera la rupture immédiate et de plein droit du contrat. Sauf le cas de perte du droit d’usage du Numéro mobile, MMC informera le client de la clôture.

14.2 Résiliation du fait du PORTEUR
Le PORTEUR en respectant un délai de préavis de trente (30) jours minimum, pourra mettre fin aux présentes par courrier adressé au PSP. Cependant, un Porteur débiteur du PSP ne peut résilier le contrat, qu’en cas de règlement total et définitif de tous engagements découlant de services ou offres souscrits.

14.3 Frais de clôture du Compte de Paiement
En cas de clôture d’un compte de paiement, les frais suivants peuvent être appliqués :

14.3.1 Frais de Clôture
- Un montant forfaitaire n’excédant pas cinq mille francs sera prélevé au moment de la clôture du compte.
- Ces frais couvrent les coûts administratifs associés à la clôture du compte.

14.3.2 Frais de Transfert des Fonds Restants
- Si le solde du compte de paiement doit être transféré vers un autre compte de paiement ou bancaire, des frais de transfert de porte-monnaie électronique à porte-monnaie électronique seront appliqués.
- Le transfert sera effectué dans un délai de cinq jours ouvrables suivant la demande de clôture.

14.3.3 Solde insuffisant
- Lorsque la demande de clôture émane du client et si le solde du compte est insuffisant pour couvrir les frais de clôture et les frais associés, MMC se réserve le droit de refuser la clôture du compte jusqu’à ce que les frais soient acquittés.
- Lorsque la demande de clôture émane de MMC et si le solde du compte est insuffisant pour couvrir les frais de clôture et les frais associés, MMC se réserve le droit de prélever la totalité du montant disponible dans le compte au moment de la clôture du compte de paiement.

14.3.4 Autre obligation
- Le porteur reste responsable de toutes les obligations contractuelles et des frais engagés avant la date de clôture, y compris les frais récurrents et les frais de service.

14.3.5 Remboursements et Ajustements
- Les frais de clôture ne sont pas remboursables sauf en cas d’erreur administrative de la part de MMC.
- En cas de litige concernant les frais de clôture, le client peut soumettre une demande de révision à notre service client, qui procédera à une évaluation et, le cas échéant, à un ajustement des frais.

14.4 Conséquences de la Clôture
Dès la clôture du compte, le PORTEUR ne pourra plus avoir accès aux services. Le solde éventuel du compte sera mis à la disposition du PORTEUR aux guichets du PSP.

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

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.

Le PSP s’engage à mettre en œuvre les exigences édictées pour la lutte contre le Blanchiment d’argent et contre le terrorisme et à informer les autorités compétentes de tous cas qui lui paraitraient suspect.

Le PSP doit être informé du décès du PORTEUR par courrier avec certificat de décès joint. Le décès du PORTEUR entraine le blocage montant disponible sur le compte de paiement jusqu’à l’issue de la procédure de liquidation de la succession.

Les notifications du PSP au Porteur seront effectuées par SMS et par publications sur le site internet de MMC. Elles seront considérées comme reçues le jour même de l’envoi du SMS et le lendemain de la publication sur le site internet.

These provisions apply to all Service offers proposed by the PSP and will be executed in accordance with regulation no. 04/18/CEMAC/UMAC/COBAC relating to payment services in CEMAC.
These General Terms and Conditions of Service remain applicable for the duration of the contract.

For the purposes of these General Terms and Conditions the expressions below shall mean as follows :

Acceptor: The supplier of goods and services accepting electronic money as payment.

Payment Account or MTN MoMo Account: Account opened in the name of one or more customers, in MMC’s ledgers for the purpose of carrying out payment services.

Issuance of electronic money: The issuance of units of electronic value in return for funds received.

Mobile Money Corporation (MMC): Payment Service Provider (PSP).

Mobile Number: Telephone number to which the Payment Account is linked.

Technical partner: A legal entity that provides a payment service provider with technical services and hardware as well as software conditions for the processing of transactions linked to payment services, and in this case, MTN Cameroon.

Holder: The person who, under a contract with the PSP, owns electronic money.

MTN MOBILE MONEY (the “Service”) is an innovative service enabling customers at the national and international level to perform payment services from their mobile phone.
The potential functionalities of the Service include money transfers (from account to account, from account to cash, from cash to cash), account replenishment for the Subscriber, collection of cash at institutions, cash dispensers, and all PSP branches, bill payments, purchase of goods and services, registrations and fees for various types of competitions, and many other services that will be offered as the market grows.

2.1 Subscription conditions: To benefit from the Service, you must:
- Be an MTN Cameroon subscriber or have a payment account with MMC.
- Have signed these general terms and conditions which govern the contractual relationship between MMC and the Mobile Money subscriber.
- Be of legal age.
- Be identified by the PSP on the basis of a valid official document; the PSP will keep a copy of this document.
Unemancipated minors may hold an e-money account, subject to authorization duly given by a parent or guardian with a valid official identification document, failing which the application will be rejected.
Contractual relations between the PSP and Holder (account opening, services, account closure) shall be carried out in accordance with, and subject to the monetary, fiscal, and all other legislations in force in the Republic of Cameroon.

2.2 Terms and conditions of use of the Service

2.2.1 Provisioning the payment account
The payment account is replenished by giving cash at an MTN touchpoint or an MTN Mobile Money Distributor.
Customers are therefore not required to have a bank account.

2.2.2 Transferring money from one account to another
This involves transferring money from the account of one Mobile Money subscriber to that of another subscriber with an e-purse.
The sender and beneficiary must each have an MTN MoMo account, and the sender must hold the funds required for the electronic money transfer.

2.2.3 Transferring money from account to cash
This involves the transfer of money from an MTN Mobile Money subscriber to a customer who does not have an MTN MoMo account. The non-subscriber must go to an MTN touchpoint or Mobile Money Distributor.

2.2.4 Transferring money from cash to cash
This is the transfer of money from a non-Mobile Money subscriber to a non-Mobile Money subscriber. The transfer of cash requires both the sender and the recipient to go to an MTN touchpoint or a Mobile Money merchant.

2.2.5 Cash withdrawal
The customer will be able to withdraw virtual money they hold at their convenience by going to a Mobile Money Corporation touchpoint or Mobile Money Distributor.

2.2.6 Bill payment
This transaction will enable MTN Mobile Money customers to pay for their services from their mobile phone or via the Internet.

2.2.7 Purchase of airtime
Mobile money customers can use their mobile phone or the Internet to purchase airtime from MTN.

2.2.8 Payment for other goods and services
The Holder must have a payment account and hold the funds required to pay for the goods and services. Once payment has been made, it is the responsibility of the supplier of the good or service to provide the service to the Customer. MMC is not responsible for providing the service.

2.2.9 Cash withdrawal

2.2.9.1 For the account holder
Go to a distributor with proof of identity and sufficient funds in your payment account.

2.2.9.2 For other beneficiaries
Go to a distributor with an identity document.

2.2.10 Limitation of transaction amounts
The top-up limit for the electronic purse is set at FCFA 100,000,000.
Restrictions on transfers:
The maximum amount for a transfer operation is set at FCFA 500,000.
These ceilings are subject to change under regulatory conditions.
The terms and conditions of use of the Service are available at MTNC stores and on the MMC website.
The services are carried out within the limits of the credit balance available in the payment account or the electronic purse used for the transaction. Prior to each transaction, the customer must ensure that sufficient funds are available in his Mobile Money account. If this is not the case, the transaction cannot be carried out. The customer must ensure that the data entered for all transactions is correct.
Mobile Money transactions are carried out in compliance with the banking and financial regulations in force.

2.3 Other services
MMC may offer other services to the Subscriber, in particular, services in partnership with financial institutions, the terms and conditions of which will be communicated in writing.

3.1 Allocation and use of the code

When subscribing to the service, a five (5) character secret code is allocated to the holder, which he is obliged to keep secret. Any loss resulting from the disclosure of the secret code by the subscriber or due to his negligence will not be the liability of the PSP.

This code is essential for using the services and guarantees that the holder is the author of the orders transmitted to the PSP. Money transfers and payments validated by the holder are irrevocable.

If the wrong secret code is entered thrice in succession, the MoMo account will be automatically blocked; the customer must go to a touchpoint, or any other agency indicated by MMC to reset the code.

3.2 Opposition

– Loss, theft, or fraudulent use of the e-wallet, which is supported by the mobile phone, provided that the electronic wallet of the HOLDER has not been debited.

– Transfers or deposits to the wrong account, provided that the sum transferred or deposited in error is still available in the beneficiary's account. Any request for the reversal of funds by the Customer will be processed in accordance with the procedure in force at MMC.

A stop payment may be made by telephone to 8787 (customer service), Monday to Sunday, 24 hours a day, or in writing (by post against receipt, e-mail), or via other channels such as Service Centres (8am to 5pm), interactive voice response (IVR) 24 hours a day, WhatsApp (8am to 10pm), by the MoMo account owner with all support documents (identity card and declaration of loss or theft). Verbal and remote objections must be confirmed in writing within 24 working hours of the objection request.

The objection may also be made at a branch of the PSP network during opening hours.

The PSP shall not be liable for any erroneous transaction attributable to the customer.

4.1 Availability

The Service is available 7 days a week, 24 hours a day. Nevertheless, the Service may be temporarily inaccessible in order to carry out updating, back-up or maintenance operations, or due to communication network failures. The PSP shall therefore inform the HOLDER by SMS, except in the event of a telephone network failure preventing any communication.

4.2 Force majeure

MMC shall not be held liable for any force majeure beyond its control that makes it impossible to perform its obligations, either in part or in full.

In the event of suspension of the Service due to force majeure, the HOLDER shall not receive any compensation. However, they will be reimbursed for the change available in their account in accordance with Article 5 of the contract.

By formal agreement, the Parties define force majeure as any event of external origin, unforeseeable, insurmountable and irresistible, preventing any of the Parties from performing their contractual obligations. The Party affected by the force majeure must notify the other Party within fifteen (15) days of the occurrence of such event. If such party fails to do so, the Party that is the victim of the event may not invoke such force majeure against its co-contractor. In the event of termination due to force majeure, neither Party will be entitled to claim damages.

5.1 Refund conditions

The HOLDER may request reimbursement of unused electronic money units at any time. The request must be made by handwritten letter addressed to MMC. In order to do so, the HOLDER must visit any store of the PSP network. Refunds shall be made at no cost other than those incurred in making them.

HOLDERS may also be reimbursed for any unsuccessful transactions carried out at MTN stores or merchant outlets due to the fault of MMC.

5.2 Refund deadline

Refunds will be done free of charge and at face value. The maximum refund period for unused electronic money units is three (3) business days.

6.1 Liabilities of the HOLDER

The cost of recovery and/or proceedings concerning money transfers or payments to an erroneous recipient shall be borne by the HOLDER. The HOLDER undertakes to update the information relating to his civil status.

In the event of damage, loss or theft of the SIM Card or monetary units, the Subscriber is required to inform PSP by calling customer service between 7:00 a.m. and 9:00 p.m. or at any of PSP's approved stores or networks during opening hours, between 8:00 a.m. and 5:00 p.m. The Subscriber shall remain liable for all Charges and Transactions carried out until MMC receives notification of the damage, loss or theft. The Subscriber may not claim any compensation whatsoever from the PSP for any Transaction carried out with his/her number or mobile phone prior to receipt of notification by the PSP following theft or loss.

6.2 PSP liabilities

The PSP is responsible for the successful completion of transactions regularly carried out in its distribution network.

In the event that the HOLDER's telephone number is allocated to a third party, MMC shall retain the balance of the customer's Payment Account either to transfer it to the new account or proceed with the refund.

MMC shall only be liable for transactions carried out by Distributors and Sub–Distributors in the course of providing the services for which they have been appointed. MMC shall not be held liable for any dispute or difficulty that may arise between an Acceptor and a Subscriber, or between a Sub–Distributor and a Subscriber, other than as provided for by the regulations in force.

MMC shall not be liable for any damage suffered by the Subscriber unless such damage is directly caused by MMC. The PSP may not be held liable for indirect damage. Indirect damages include, in particular, operating losses, damage to reputation and commercial prejudice.

6.3 Exclusion of liability of the PSP

MMC shall not be held liable in the following cases:

• Failure resulting from a defect or breakdown of the terminal or software used by the HOLDER;
• Litigation, complaints, disputes and other differences that may arise between the holder and beneficiaries of holder’s fund transfers;
• Losses due to fraud on the MMC network;
• Non–delivery of a good or service paid for by MTN Mobile Money;
• Losses due to a technical breakdown of the payment system, previously notified to the holder by any traceable means.

• The Parties agree that in order to validate fund transfer or payment orders, data and information may be exchanged electronically, by e–mail or SMS. Recordings made by the MMC system shall be considered accurate, unless the Subscriber provides proof to the contrary.


• The Parties agree not to contest the content, reliability, integrity or evidential value of the data contained in any electronic document on the sole ground that the document is drawn up on an electronic medium and transmitted electronically.


• The Parties agree that the communications by which a transaction is completed constitute proof of the placing of these orders. In this respect, the PSP will archive and record all data and information relating to the transactions on a reliable medium for a period of ten (10) years from the date of the transaction.

8.1 Claims

The HOLDER may submit complaints via the various channels, to customer service from 7.00 a.m. to 8.00 p.m. or to MMC touchpoints during opening hours, from 8.00 a.m. to 5.00 p.m.

The handling of claims made by telephone shall be subject to a customer authentication procedure. Customers who fail this authentication procedure shall be required to visit a branch of the PSP's distribution network. Complaints about transactions shall only be taken into account if they are made after a period of two (2) years from the date of the disputed transaction.

8.2 Suspension and Restriction

The PSP may suspend or restrict the provision of all or part of the MTN Mobile Money Service to the Subscriber without prior notice. However, MMC shall try as far as possible to inform the Subscriber of the occurrence of such action and without any liability being sought against MMC in the following circumstances:

– If MMC is aware or has reason to believe that the Payment Account, mobile phone, Mobile Number or Code used as part of the Service are being (or have already been) used in an unauthorized, illegal, incorrect, or fraudulent manner, or for criminal activities;

– If the Subscriber does not comply with any of their obligations hereunder;

– If the Subscriber fails to notify the loss or theft of his/her mobile phone, or the loss or communication to a third party of his/her Code or use of the MTN MoMo Account by a third party;

– If the Subscriber is subject to a bank or legal ban;

– If the Subscriber is subject to a banking or legal ban, or court redress, liquidation of assets, or preventive settlement;

– If the Subscriber acts (or allows such action) with his/her mobile phone in a way that would be likely, in the opinion of the PSP, to affect or damage the electronic communications network or to affect the Service;

– For any reason beyond the control of the PSP;

– In the event of receipt of funds from erroneous or fraudulent transactions;

– If the payment account has been inactive for at least twelve (12) months, or as tolerated by the payment institution (18 months).

The PSP shall take appropriate measures to ensure the protection and confidentiality of the personal data they hold or process in strict compliance with the provisions of Regulations No. 04/18/CEMAC/UMAC/COBAC on payment services in CEMAC and No. 01/20/CEMAC/UMAC/COBAC on the protection of consumers of banking products and services in CEMAC.

The information collected as part of the execution of the service will be processed electronically. Such information shall be used by the PSP and its technical partners for the performance of the service in the event of direct prospection by SMS, automatic call, or email by the holder, who may object thereto at no cost. This data may be used as part of direct marketing operations or, after anonymization, may be communicated to market research and polling firms exclusively for studies and analyses. The PSP shall take appropriate measures to ensure the protection and confidentiality of the personal data it holds or processes in strict compliance with the provisions of regulations no. 04/18/CEMAC/UMAC/COBAC related to payment services in CEMAC and no. 01/20/CEMAC/UMAC/COBAC on the protection of consumers of bank products and services in CEMAC. The information collected in connection with the performance of the Service shall be processed electronically, and used by the PSP and its technical partners for the performance of the Service in the event of direct prospection by SMS, automatic call machine, or email of the Subscriber, who may object to such process, free of charge. This data may be used as part of direct marketing operations or, after anonymization, such information may be communicated to market research and polling firms exclusively for studies and analyses.

The Partners shall also ensure the protection and confidentiality of personal data.

In addition, the PSP, when legally required to do so, is obliged to communicate to the public and judicial authorities any information that may be useful for the accomplishment of their mission, in compliance with provisions of the law relating to the protection of personal data.

Holders have the right to object to the use of their personal data and rectify as well as delete any personal data concerning them in accordance with the regulations in force.

The tariff conditions for the service are set out in the tariff sheet which shall be given to the HOLDER or made available electronically, in particular by means of a short code for signing; such signature may be manual or electronic. The financial conditions of the service may be revised at the discretion of the PSP, which must inform customers within thirty days thereof. The price list is also available in each of the payment institution's service outlets recognisable by its logo, website and USSD menu.

Any abusive or fraudulent use of the Service exposes the HOLDER to the penal sanctions provided for by the legislation in force and causes the immediate termination of the contract without notice or compensation.

It is formally agreed between the parties that the PSP reserves the right to modify at any time, in particular for technical, financial and/or security reasons, the conditions of performance of the service, including the methods of carrying out fund transfers.

It is understood that any change in the performance of the service will come into effect after publication on the PSP's website and digital channels.

These general terms and conditions are valid for an indefinite period from the date on which the Customer opens a payment account. The Customer is deemed to have read and approved these General Terms and Conditions as soon as the service is activated.

The contract may be terminated by either party (PSP or HOLDER). Termination implies closure of the payment account.

14.1 Termination due to the PSP
The loss of the right to use the Mobile Number and a breach by the HOLDER of any of his obligations under these general terms and conditions shall result in the immediate and rightful termination of the contract. MMC shall inform the customer of such termination.

14.2 Termination by the HOLDER
The HOLDER may terminate this Agreement by sending a letter to the payment institution subject to giving a notification of at least thirty (30) days. However, a holder who is indebted to the PSP may only terminate these general terms and conditions in the event of full and final settlement of all commitments arising from existing or future services or offers subscribed.

14.3 Payment Account closure charges
In the event of closure of a Payment Account, the following charges may apply:

14.3.1 Closure fee
- A lump sum not exceeding five thousand francs shall be charged when the account is closed.
- This fee covers the administrative costs associated with closing the account.

14.3.2 Remaining Funds Transfer Fee
- If the balance of the payment account needs to be transferred to another payment or bank account, an e-wallet to e-wallet transfer fee shall be applied.
- The transfer shall be made within five working days of the closure request.

14.3.3 Insufficient balance
- When the closure request comes from the customer and if the account balance is insufficient to cover the closure fees and associated costs, MMC reserves the right to refuse to close the account until the fees have been paid.
- When the request for closure comes from MMC and if the balance of the account is insufficient to cover the closure fees and associated costs, MMC reserves the right to withdraw the entire amount available in the account at the time of closure of the payment account.

14.3.4 Other obligations
- The holder remains liable for all contractual obligations and costs incurred prior to the closing date, including recurring costs and service charges.

14.3.5 Refunds and adjustments
- Closing costs are non-refundable except in the event of an administrative error on the part of MMC.
- In the event of a dispute concerning the closing fees, the customer may submit a request for review to our customer service department, which shall assess and, if necessary, adjust the fees.

14.4 Consequences of closure
As soon as the account is closed, the HOLDER shall no longer be able to access the services. Any balance remaining in the account shall be made available to the HOLDER at the PSP’s counters.

The Parties agree that all taxes and duties due to the transactions carried out within the framework of the service shall be incurred by the holder.

Any dispute relating to the interpretation or performance of these terms and conditions shall be settled in accordance with the procedure laid down in Regulation No. 1/020/ CEMAC/UMAC/COBAC on the protection of consumers of bank products and services in CEMAC.

The PSP undertakes to implement the requirements laid down for the fight against money laundering and terrorism as well as inform the competent authorities of any cases considered suspicious.

The PSP must be informed of the death of the HOLDER by letter with death certificate attached. The death of the HOLDER will result in the amount available on the payment account being frozen until the succession procedure has been completed.

Notifications from the PSP to the Subscriber shall be done by SMS and publication on MMC’s website. They shall be deemed to have been received on the day the SMS is sent and the day after publication on MMC’s website.

Before performing any transaction from your Mobile Money Wallet, you must know the terms and conditions ("rules") for using your Wallet. You need to understand each clause of the rules set out in this document. You are required to keep these rules as they are a binding agreement between yourself, MobileMoney Limited and Partner Banks. When you apply for a Mobile Money Wallet you agree to be bound by and to conduct yourself in accordance with these rules. 

2.1 "Cell phone"means a GSM terminal connected via a GSM radio link to the Mobile Telecommunications Network (MTN).

2.2 “Credit” means depositing funds in your Wallet. 

2.3 "Debit" means the movement of funds out of your Wallet.

2.4 "GSM" means the Global System for Mobile communications as defined in the European Technical Standards Institute's list of specifications.

2.5 "Agent" refers to any registered business entity that is authorised to engage in the sale and distribution of Mobile Money products and services and or accept Mobile Money as payment for goods & services offered.

2.6 "Mobile Money Website" refers to the website address momo.mtn.com

2.7 "Mobile Money" refers to the financial services product offered by us being a transactional banking Wallet.

2.8 "MML" means MobileMoney Limited.

2.9 “MTN Ghana” refers to Scancom PLC.

2.10 "Pack" means the collection of the User Manual, Schedule of Fees, other documents and advertising material given to an Agent upon successful registration. 

2.11 “Partner Banks” refers to Ecobank Ghana Limited, Fidelity Bank Limited, Guaranty Trust Bank Ghana Limited, Stanbic Bank Ghana Limited, Cal Bank Limited, Universal Merchant Bank Limited, Zenith Bank Ghana Limited, United Bank for Africa Ghana Limited, Access Bank Ghana Limited, Agricultural Development Bank, Barclays Bank Gh. Ltd, Ghana Commercial Bank Ltd, GN Bank Ltd, ARB, Apex Bank Ltd., First Atlantic Bank Limited and any other Bank that may be signed on to the Mobile Money Service from time to time.

2.12 "PIN" means Personal Identification Number being the secret code you choose for your cell phone without which wallet transactions cannot be executed.

2.13 "POS" means a Point of Sale device which is used for Mobile Money transactions. 

2.14 "Services" refers to the services provided by us relating to your cell phone to enable you to use MML Mobile Money.

2.15 "SMS" means a Short Messaging Service consisting of a text message.

2.16 "User Manual" refers to a document, brochure or booklet with information and instructions on Mobile Money and its functionality. 

2.17 "Wallet" refers to a customer’s Mobile Money transactional account which is accessed primarily through their cell phone.

2.18 "Wallet holder" refers to the individual in whose name the Mobile Money Wallet is registered. 

2.19 "We" or "Us" or "Our"refers to MML Mobile Money and Partner Banks. 

2.20 "You" or "Your"means the Wallet holder. 

3.1 Mobile Money enables its users to do money transfers, payments, deposit and withdraw money and top up airtime from their phone or from any Mobile Money Authorized Agent. 

3.2 Mobile Money users will be informed of any additional features that may be offered in the future on Mobile Money. 

4.1 Mobile Money Wallets are opened and owned by MML Partner Banks and this service is currently available to anyone who meets requirements set by MML and Bank of Ghana. To become a Mobile Money user, MTN customers will be subject to requirements from Bank of Ghana. The Mobile Money user commits himself/herself to use Mobile Money only on MTN Ghana network or on International Roaming unless otherwise notified by MTN Ghana. 

5.1 You can only apply for a Wallet if you are an active MTN Ghana subscriber. Ghanaian citizens with valid photo ID card and other relevant documents may apply for a Mobile Money Wallet. 

5.2 Foreigners wanting to benefit from this service would be required to provide evidence of residence, in the form of a resident permit. 

5.3 Persons below the age of 18 (minors) can open a Mobile Money Wallet with a guarantor. The guarantor will have to provide some information on a guarantor form.

5.4 We require your personal details and certain specific information before a decision is made on your application. You must provide complete and accurate information.

5.5 We may decline your application at our sole discretion.

5.6 We will verify your identity and may refuse to open a Wallet for you if we are not satisfied with proof of your identity.

5.7 Your Wallet will be held by MML MobileMoney. 

6.1 You pay fees when you use your Wallet. A list of these fees is available from Partner Banks’ branches, Authorised Mobile Money Agents and MTN Ghana Service Centres, by contacting our Call Centre on 100 or by accessing the Mobile Money website i.e. momo.mtn.com 

7.1 To manage your money safely there are transactional and daily limits on your Wallet. You can increase or reduce these limits by visiting our service center with at least one of the under listed documents: Tenancy Agreement, Utility Bill, Income Tax Certificate, Other Banks’ Statements or Employer’s reference letter subject to the restrictions placed in terms of paragraphs 7.5 and 7.6. 

7.2 You may access the available funds in your Wallet at any time using your cell phone and or the Internet. While we will make every reasonable attempt to provide the Services in accordance with the User Manual, we provide the Services "as is" and without any warranties. 

7.3 You must authorize your transactions with your secret PIN, which you create when you register, or by such other method we may prescribe from time to time. 

7.4 Any use of or transactions concluded through the Mobile Money website are subject to the terms and conditions on the website, as may be amended by us from time to time. 

7.5 Non-Wallet holders shall not transfer or make any payments that exceed GHS 500.00 per day. Wallet holders shall not withdraw, transfer or make any payments that together exceed GHS2,000.00 per day. Should you exceed any of these limits, your transactions will be declined and you will need to visit any Partner Bank’s branch or selected MTN Ghana outlets with your valid ID document as well as proof of your residential address to increase your transaction limit to GHS 5,000 per day 

7.6 In addition to 7.5, the balance on your Wallet may at no time exceed GHC 10,000.00. Should your balance, at any time, exceed GHS 20,000.00, no withdrawals, transfers or payments may be effected against your Wallet and you will need to visit any Partner Banks’ branch or selected MTN outlet with a valid ID document as well as proof of your residential address to increase your wallet balance to GHS 50,000. 

7.7 We may verify and confirm any record of a deposit into your Wallet. Our records will be taken as correct unless the contrary is proven. 

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 your third attempt, the Mobile Money wallet will be disabled. In the event that the wallet is disabled, customers can call the call center to reset their PINs. 

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 cell phone or PIN has been stolen or compromised, you can call us immediately on 100 (Toll Free). 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 authorised by you, you will have to prove it was not authorised. 

8.5 We can accept your telephonic instructions without your written confirmation. We use authentication questions and/or voiceprint to confirm your identity when you call our Call Centre. These methods give us your authorisation to execute your instructions. 

8.6 You are responsible for protecting your computer against computer viruses when you use the Internet to access our Mobile Money website and Internet banking facilities. We are not liable for any computer program or code that may originate from our systems and you indemnify us against any claims made in this regard. 

9.1 You may upon payment of a prescribed fee 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 unauthorised transactions reflected on the statement. 

9.2 You can use your cell phone to request your balance or mini statement on your Wallet or alternatively you may visit any MTN service center to request for your statement.  

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. 

10.5 We may close your Wallet if you do not use your cell phone and Wallet for a period of 24 months, except where your contract for your cell phone is still valid. 

10.6 If you are no longer an MTN subscriber we may close your Wallet. 

10.7 If we close your Wallet in terms of this clause 10 you must ensure that all debit orders linked to this Wallet are removed within 90 days as these debit orders will be declined after this period and neither the Partner Banks nor MML will accept any liability resulting from these declined debit orders.

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. 

We are not responsible for any loss arising from any failure, malfunction, or delay in any POS, cellphone networks, and cell phones, the Internet or terminals or any of its supporting or shared networks, resulting from circumstances beyond our reasonable control.

12.1 The address you supply on your Mobile Money Registration Form is regarded as your chosen address where notices may be given and documents in legal proceedings may be served. You must notify us immediately should your physical, postal, email address or cell 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 Any correspondence that we send to you by post will be considered to have arrived within seven days of posting and any correspondence that we send to you by fax or email will be considered to have arrived on the day that it was sent. 

12.4 We are entitled to send information to you via SMS to the contact cell phone number provided on your application form and as amended from time to time. These SMS’s are for information purposes only. 

12.5 You should send any legal notice to us at our chosen address: 
Mobile Money Ltd. 
MTN House 
Independence Avenue, Ridge, Accra. Or 
P.O Box TF 281 
Trade Fair, La, Accra 

12.6 You acknowledge and agree that this agreement will be regarded as having been entered into in Accra and any breach of this agreement will be considered as having taken place in Accra. 

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. 

14.1 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 Ghana Police or any fraud prevention or security agency as required by Law; 

14.1.2 Providing details to the Ghana 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 available to other members of the Ghana Police or any fraud prevention or security agency should they carry out credit or other checks on your name.

15.1 We may at any time amend these terms and conditions by notice to customers. Any amendment will not constitute a novation of this agreement. 

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. 

15.4 A favour or concession we may give you will not affect any of our rights against you. 

15.5 These terms and conditions are governed by Ghanaian Law. 

15.6 We may allocate any money received from you or held on your behalf to settle any outstanding balance on your Wallet. 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 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. 

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 You are responsible for your connection to the Internet and all costs associated with that same connection. 

15.12 You must notify us immediately of any change of your details in your application. 

15.13 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 5 years from date of closure of Wallet. 

15.14 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. 

15.15 All copyright, trademarks and other intellectual property rights used as part of our Services or contained on our documents are owned by Mobile Money or its licensors. You agree that you acquire no rights thereto. 

15.16 You accept that all transactions effected on your cellphone are subject to other Terms and Conditions available on our website or from our call centre. 

15.17 Your Mobile Money Wallet may not be transferred to any mobile telecommunications network operator other than MTN without the consent in writing of MTN. 

16.1 Any abusive and/or fraudulent usage of a Mobile Money Wallet and any false declaration may be punished by the Laws in place in Ghana. 

16.2 Any abusive and/or fraudulent usage of a Mobile Money Wallet and any false declaration may also lead us to suspend temporarily or in definitively rights to access to Mobile Money services. 

16.3 Any cost engaged by us in recovering transactions and undue payments made by the wallet user will be borne by the user. 

16.4 Any fee that could not have been debited from the user’s Wallet due to a fraudulent usage will be recovered with an additional legal interest rate. 

16.5 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. 

17.1 It is the responsibility of the Wallet owner to ensure that he/she provides accurate personal information to MML. To this end, the wallet owner undertakes to MML that any information is true and correct and that he/she is obligated to provide any additional information that is required from time to time. Failing will result in suspension or closure of your account. 

17.2 The Wallet Owner 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. 

17.3 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 Electronic Payment Act 772 and the Money Laundering regulation of Ghana, 2011. 

17.4 In case of any complaints regarding the service, the customer must lodge the said complaints within a period of thirty (30) calendar days from the date of detection of the anomaly 

17.5 You must use one of the following medium in lodging their complaints within the specified time period provided in Clause 17.4 above, Call Center, Visit to Service center or via electronic mail from MTN website. 

17.6 In the event of damage, loss or theft of the SIM, you are obliged to inform us immediately of such damage, loss or theft. MML 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 Customer Call Centre on the number 100(Toll Free) or visit the nearest MTN Ghana Service Centre. 

17.7 In case of Fraud or scams, the customer must subsequently provide a police extract as part of his or her complaints to commence the necessary checks. Note that any loss incurred during this period will be a personal liability for which MML shall not be responsible. 

17.8 The wallet owner will be responsible for all fees and transactions effected up to the time of receipt by MML of your report of the damage to, loss or theft of Your SIM card. 

17.9 You must comply with any instructions that MML may issue from time to time about the use of the Mobile Money Services.  

18.1 You must lodge a complaint of a wrong transfer within 30 calendar days from the date of the incident in accordance with to Section 28(1)(b) of the Electronic Money Issuer guideline. Careful investigations will be conducted to establish the claim as part of processing the reversal. 

18.2 MML 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 as at the time of receiving the complaint, MML shall hold the funds for further investigations. Funds which have been partially withdrawn cannot be held. 

18.4 In the event where the amount is not in the wallet, you would be advised accordingly. MML may cause further investigations further in this event to satisfy its internal procedures. 

18.5 MML 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 The wrong recipient must make reasonable efforts to respond to the calls and SMS during the 3 days of contact. 

18.7 MML will endeavor to perform the reversal after the 3 working days without any feedback from the wrong recipient. 

18.8 MML does not have any obligation to perform a reversal in the event of any dispute with any designated payee. 

18.9 MML 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. 

18.10 MML will not perform a reversal for a wrong transfer which is not reported within 30 days after the said transaction. 

18.11 MML will not be liable for any damages whatsoever resulting from a wrong transaction. 

18.12 If a mobile money account is closed as a result of subscriber’s death, the balance standing to the subscriber’s account shall be paid over to administrator nominated in the letters of administration issued by a competent Court of Jurisdiction or Executors stated in a will. 

19.1 Reversals cover only airtime purchased from a Wallet holder’s own wallet. 

19.2 The reversal is initiated and completed by the wallet holder. 

19.3 Reversals from mobile money Agent or merchant airtime purchases are not allowed. 

19.4 Airtime purchased can be reversed within 72 hours of purchase. 

19.5 No reversal can be processed after 72 hours of purchase. 

19.6 A subscriber can reverse airtime only once a week. Multiple reversals are not allowed within a week. 

19.7 Minimum airtime to be reversed is GHC 30. Transactions below GHC 30 cannot be reversed. 

19.8 No partial reversal is allowed. You needs to ensure that the full value of airtime purchased and the bonus amount received is available before the reversal can be effected. 

19.9 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. 

19.10 The sender of the Airtime needs to contact the receiver to approve the reversal after initiating the reversal. Without the receiver’s approval, the reversal will not be completed. 

19.11 Transaction notification will be sent to the both sender and receiver upon completion of the reversal. 

19.12 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. 

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: 

1. All Customers and/or users who are natural persons or living individuals; and 
2. All Customers and/or users who are organisations. 
3. All MTN employees and job applicants or prospective employees. 
4. All MTN suppliers, partners, and service providers. 
5. All MTN Foundation applicants, recipients, and partners 

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 MTN Guinée.

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.

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.

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

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.

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.

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.

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.

• 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.

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.

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.

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.

• 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.

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.

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.

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

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.

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.

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.

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

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.

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.

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.

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.

• 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.

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.

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.

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.

• 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.

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.

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.

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

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.

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

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.

2.1. 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.

3.1. 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.

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.

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

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").

7.1. 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.

8.1. 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.

9.1. 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.

10.1. 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.

11.1. 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.

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.

13.1. 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.

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.

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 (2) year from the date of the request.

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

17.1. 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. All designated customer care centers
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.

18.1. 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.

19.1. 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.

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.

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.

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.

23.1. 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.

24.1. 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.

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.

26.1. 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.

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.

28.1. 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.

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.

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.

31.1. 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.

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:

1.2. What personal information we collect

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:

1.4. 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.

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).

3.1. We don’t sell your personal information to third parties for their marketing purposes.

3.2. We may share information with:

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.

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.

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.

7.1. 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.

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.

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.

10.1. You may at any time request:

10.2. Requests may be made in writing to info@mtn.com

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:

11.3 The type of information collected by cookies is not used to personally identify you

We use the following categories of cookies:

12.1 Category 1: necessary cookies

12.2 Category 2: performance cookies

12.3 Category 3: functionality cookies

12.4 Category 4: targeting/advertising cookies

12.5 Category 5: social media cookies

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:

1.7. 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.

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.

3.1. The following terms shall have the corresponding meanings assigned to them:

4.1. Unless the context requires otherwise or it is expressly stated to the contrary, any words and phrases:

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.

5.1. 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.

6.1. You may not use this Website to obtain or distribute:

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.

7.1. 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.

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.

9.1. 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.

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.

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.

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.

13.1. 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:

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.

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).

16.1. 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:

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.

18.1. 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.

19.1. 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:

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.

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.

22.1. 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.

1.1. 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, and facilitate your ongoing 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 access certain content.

1.2. The information we collect from cookies enables us to:

1.3. The type of information collected by cookies is not used to personally identify you.

Functionality cookies enable us to provide you with a more personalized experience. They help us remember data, such as your location and language preference, to save you from entering them again the next time you visit. The information these cookies collect is anonymous. They cannot track your browsing activity on other websites.

3.1. To ensure you get the best possible experience when visiting our websites, we recommend that you accept cookies. However, you can opt out or disabling cookies in your web browser.

3.2. 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.

In Côte d'Ivoire, you cannot permanently delete a Mobile Money account due to regulatory constraints. You can request to close or suspend your account, but it will not be permanently deleted. Accounts may also be closed for reasons such as fraud prevention and AML compliance.

Your data, including Know Your Customer (KYC) details and transaction histories, will be archived for at least 10 years after your account is closed, as required by regulatory requirements.

Yes, you can request the deletion of your data within regulatory constraints. However, in Côte d'Ivoire, KYC data, such as photos and names, along with transaction histories, must be retained for 10 years after account closure.

If you request to close your account, it will be suspended or closed but not permanently deleted. This is due to regulatory requirements in Côte d'Ivoire, which include measures for fraud prevention and AML compliance.

Regulatory constraints in Côte d'Ivoire prevent the permanent deletion of Mobile Money accounts. This ensures compliance with legal requirements, including fraud prevention and AML measures.