Terms and Conditions for mSave by KIGALI INFO LTD
Last Updated: 15.01.2024
Welcome to mSave, owned and operated by KIGALI INFO LTD. By accessing or using our website, mobile application, and USSD service ("mSave"), you agree to comply with and be bound by the following terms and conditions. Please read these terms carefully before using mSave.
1. Acceptance of Terms
By accessing or using mSave, you agree to be bound by these terms and conditions. If you do not agree with any part of these terms, you may not use our services.
2. User Eligibility
You must be at least 18 years old or the legal age of majority in your jurisdiction to use mSave. By using our services, you represent and warrant that you meet these eligibility requirements.
3. Privacy Policy
Our Privacy Policy, available at [link to privacy policy], explains how we collect, use, and protect your personal information. By using mSave, you consent to the practices described in our Privacy Policy.
4. User Account
To use certain features of mSave, you may be required to create an account. You are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account.
5. Prohibited Activities
You agree not to engage in any prohibited activities, including but not limited to unauthorized access, distribution of malware, or violation of applicable laws.
6. Fees and Payments
Certain features of mSave may require payment. By using these features, you agree to pay any applicable fees. All fees are non-refundable.
7. Intellectual Property
All content, trademarks, and intellectual property on mSave are owned by KIGALI INFO LTD. You may not use, reproduce, or distribute any content without our express written permission.
8. Termination
We reserve the right to terminate or suspend your access to mSave at any time for any reason, without notice.
9. Disclaimer of Warranties
mSave is provided "as is" without any warranties. KIGALI INFO LTD does not guarantee the accuracy, completeness, or reliability of the content or services provided.
10. Limitation of Liability
KIGALI INFO LTD shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or in connection with your use of mSave.
11. Governing Law
These terms and conditions are governed by the laws of Rwanda. Any disputes arising under or in connection with these terms shall be subject to the exclusive jurisdiction of the courts in Rwanda.
12. Subscription Terms
a. Subscription Plans
mSave may offer subscription plans with various features and benefits. By subscribing to a plan, you agree to the terms outlined in this section.
b. Billing and Payment
i. Billing Cycle: The subscription fee will be billed at the beginning of your subscription and on a recurring basis according to the chosen billing cycle.
ii. ii. Non-Renewal and Access Restriction:
If you choose not to renew your subscription by the specified date, your subscription will expire, resulting in access restriction to all premium features of mSave.
Access restriction applies to premium features, including but not limited to [list relevant features], until the subscription is renewed.
iii. Contacting Support:
While your access to premium features is restricted, you can still contact mSave customer support for assistance or inquiries.
Customer support can provide guidance on the renewal process and address any concerns you may have regarding the temporary access restriction.
iv. Renewal Process:
To regain full access to mSave's premium features, you will need to renew your subscription. Renewal instructions will be provided by customer support or through the mSave platform.
v. Temporary Suspension:
Please note that during the non-renewal period, your account may experience a temporary suspension of premium features, but you will retain access to basic features.
vi. Reactivation Process:
You may reactivate your subscription at any time to lift the access restriction and regain access to the full range of premium features.
Reactivation may be subject to the payment of applicable fees and compliance with any new terms and conditions.
vii. Data Retention:
Even after the temporary access restriction period, KIGALI INFO LTD may retain your account information and transaction history as required by law and in accordance with our Privacy Policy.
iii. Changes to Fees: KIGALI INFO LTD reserves the right to modify subscription fees. Any changes will be communicated in advance, and you will have the option to cancel your subscription before the new fees take effect.
iv. Payment Methods: You agree to provide accurate and up-to-date payment information. Failure to do so may result in the suspension or termination of your subscription.
c. Cancellation and Refunds
i. Cancellation: You may cancel your subscription at any time through the mSave platform. The cancellation will take effect at the end of the current billing cycle.
ii. Refunds: Subscription fees are non-refundable, and no refunds or credits will be provided for partial subscription periods or unused features.
d. Access to Service
Upon the termination or expiration of your subscription, your access to mSave's premium features and services will be automatically revoked. You may continue to access basic features, but certain functionalities tied to your subscription plan will be restricted.
e. Reactivation of Subscription
You may reactivate your subscription at any time to regain access to the full range of premium features. Reactivation may be subject to the payment of applicable fees and compliance with any new terms and conditions.
f. Data Retention
Even after the termination of your subscription, KIGALI INFO LTD may retain your account information and transaction history as required by law and in accordance with our Privacy Policy.
13. Consent to Receive SMS
By using mSave, you expressly consent to receive SMS messages from merchants and mSave. These messages may include, but are not limited to, transaction notifications, account updates, promotional offers, and other relevant information.
a. Merchant Communications
i. Opt-In: You acknowledge that merchants may send SMS messages related to transactions, promotions, and other relevant updates. Your engagement with a merchant through mSave implies your consent to receive such messages.
ii. Opt-Out: If you wish to opt-out of receiving SMS messages from a specific merchant, you may follow the opt-out instructions provided by the merchant.
b. mSave Communications
i. Service Alerts: mSave may send SMS messages for important service alerts, system updates, and other critical information related to your mSave account.
ii. Promotional Messages: You may also receive promotional SMS messages from mSave regarding new features, promotions, and other related offerings. You can opt-out of receiving promotional messages through your account settings.
d. Frequency of Messages
The frequency of SMS messages from merchants and mSave may vary. While efforts will be made to minimize unnecessary communications, you understand and agree that some messages may be automated or scheduled.
e. Revoking Consent
If you wish to revoke your consent to receive SMS messages, you may do so by adjusting your communication preferences in your mSave account settings.
14. Use of Specific Personal Information
a. Collection of Sensitive Personal Information
By using mSave, you explicitly acknowledge and consent to the collection, processing, and storage of Know Your Customer (KYC) information and sensitive personal information as described in this section.
b. Types of KYC Information
KYC information may include, but is not limited to, your full name, date of birth, address, and government-issued identification documents.
c. Purpose of KYC
The collection of KYC information is essential for regulatory compliance and to ensure the security and integrity of the mSave platform.
d. Consent to KYC
You expressly consent to the use of your provided KYC information for the stated purposes. Failure to provide accurate and complete KYC information may result in limitations on your use of mSave.
e. Data Security
KIGALI INFO LTD employs industry-standard measures to safeguard the confidentiality and integrity of your KYC information, as described in our Privacy Policy.
15. Payment for Bills or Prepaid Services
a. Bill Payments
mSave may offer features allowing you to pay bills or purchase prepaid services through the platform. By using these features, you agree to the terms outlined in this section.
b. Payment Authorization
You authorize mSave to initiate payments from your designated payment method for bills or prepaid services as instructed through the platform.
c. Accuracy of Payment Information
You are responsible for ensuring the accuracy of the payment information provided. mSave is not liable for any errors or delays resulting from inaccurate payment details.
d. Transaction Confirmation
Upon successful payment, you will receive a transaction confirmation. It is your responsibility to review the confirmation and report any discrepancies promptly.
e. Refunds
Refunds for bill payments or prepaid services are subject to the policies of the respective service providers. mSave does not guarantee refunds and is not responsible for the refund process.
f. Service Provider Terms
Your use of mSave for bill payments or prepaid services is also subject to the terms and conditions of the specific service providers. You are encouraged to review and comply with their terms.
16. mSave Platforms
a. Website
i. Access and Use: You may access mSave through our official website. By using the mSave website, you agree to comply with these terms and conditions.
ii. Responsibility for Content: KIGALI INFO LTD reserves the right to modify, suspend, or discontinue any aspect of the website at any time. We are not responsible for the accuracy, completeness, or reliability of any content on the website.
iii. Third-Party Links: The website may contain links to third-party websites. KIGALI INFO LTD is not responsible for the content or privacy practices of these external sites.
b. USSD Service
i. Access and Use: The mSave USSD service is accessible through supported mobile devices. By using the USSD service, you agree to these terms and conditions.
ii. Service Availability: The availability of the USSD service is subject to network and carrier conditions. KIGALI INFO LTD is not responsible for interruptions, delays, or limitations in the USSD service.
c. Merchant App
i. Access and Use: Merchants may access mSave through the official merchant app. The use of the merchant app is subject to these terms and conditions.
ii. Merchant Responsibilities: Merchants are responsible for the accuracy of product/service information, pricing, and fulfillment. KIGALI INFO LTD is not liable for disputes between merchants and customers.
iii. App Updates: KIGALI INFO LTD may release updates to the merchant app. Merchants are encouraged to keep the app updated to access new features and improvements.
d. Client App
i. Access and Use: Clients may access mSave through the official client app. The use of the client app is subject to these terms and conditions.
ii. Client Responsibilities: Clients are responsible for the security of their account credentials and any transactions initiated through the client app.
iii. App Updates: KIGALI INFO LTD may release updates to the client app. Clients are encouraged to keep the app updated for optimal performance and security.
17. Financial Services Disclaimer
a. mSave as a Technology Platform
mSave is a technology platform owned and operated by KIGALI INFO LTD. It is important to note that mSave is not a financial institution, and the services provided on the platform should not be considered as traditional banking services.
b. Use of Licensed Partners
To facilitate savings and investment features, mSave may collaborate with licensed financial institutions or partners. These partners may be responsible for the secure handling, storage, and management of your savings and investments.
g. Regulatory Compliance
mSave and its licensed partners operate in compliance with relevant financial regulations. However, users are responsible for understanding and complying with any regulatory requirements applicable to their use of financial services through mSave.
18. mSave Card Usage for Discounts
a. mSave Card Issuance
i. Issuance: mSave may offer users the option to obtain an mSave Card.
ii. Activation: Users may need to activate the mSave Card through the mSave platform to access its features, including but not limited to discounts, promotions, and loyalty programs.
iii. Card Security: Users are responsible for the security of their mSave Card. If the card is lost or stolen, users should promptly report it to mSave customer support to mitigate potential misuse.
b. NFC and Barcode Usage
i. Discounts at Merchants: The mSave Card may feature NFC (Near Field Communication) and barcode technology to facilitate discounts at participating merchants.
ii. Merchant Participation: Users can enjoy discounts by presenting their mSave Card with an activated NFC feature or by allowing merchants to scan the barcode within the mSave app.
iii. Discount Conditions: The availability and conditions of discounts may vary by merchant. Users are encouraged to check the terms of each discount offer, including any restrictions or expiration dates.
iv. Responsibility for Discounts: mSave is not responsible for the availability, terms, or quality of discounts offered by merchants. Users engage directly with merchants for discount-related matters.
c. Discount Redemption
i. User Responsibility: Users are responsible for ensuring the proper redemption of discounts at participating merchants. Any issues or disputes related to discount redemption should be addressed directly with the respective merchant.
ii. Expiration of Discounts: Some discounts may have expiration dates or limited-time availability. Users should check the terms of each discount offer to avoid disappointment.
d. mSave Card Termination
i. Termination of mSave Card: KIGALI INFO LTD reserves the right to terminate or suspend the mSave Card service at any time for any reason, with or without notice to users.
ii. Effect of Termination: Upon termination, users may no longer be able to access the mSave Card features, including discounts, and any associated benefits.
e. Card Updates
i. Updates to mSave Card Features: KIGALI INFO LTD may release updates to the mSave Card features, including new functionalities or improvements. Users are encouraged to keep their mSave app updated for optimal performance.
i. Updates to mSave Card Features: KIGALI INFO LTD may release updates to the mSave Card features, including new functionalities or improvements. Users are encouraged to keep their mSave app updated for optimal performance.
14. Use of Specific Personal Information
a. Collection of Sensitive Personal Information
By using mSave, you explicitly acknowledge and consent to the collection, processing, and storage of Know Your Customer (KYC) information and sensitive personal information as described in this section.
b. Types of KYC Information
KYC information may include, but is not limited to, your full name, date of birth, address, and government-issued identification documents.
c. Purpose of KYC
The collection of KYC information is essential for regulatory compliance and to ensure the security and integrity of the mSave platform.
d. Consent to KYC
You expressly consent to the use of your provided KYC information for the stated purposes. Failure to provide accurate and complete KYC information may result in limitations on your use of mSave.
e. Data Security
KIGALI INFO LTD employs industry-standard measures to safeguard the confidentiality and integrity of your KYC information, as described in our Privacy Policy.
15. Payment for Bills or Prepaid Services
a. Bill Payments
mSave may offer features allowing you to pay bills or purchase prepaid services through the platform. By using these features, you agree to the terms outlined in this section.
b. Payment Authorization
You authorize mSave to initiate payments from your designated payment method for bills or prepaid services as instructed through the platform.
c. Accuracy of Payment Information
You are responsible for ensuring the accuracy of the payment information provided. mSave is not liable for any errors or delays resulting from inaccurate payment details.
d. Transaction Confirmation
Upon successful payment, you will receive a transaction confirmation. It is your responsibility to review the confirmation and report any discrepancies promptly.
e. Refunds
Refunds for bill payments or prepaid services are subject to the policies of the respective service providers. mSave does not guarantee refunds and is not responsible for the refund process.
f. Service Provider Terms
Your use of mSave for bill payments or prepaid services is also subject to the terms and conditions of the specific service providers. You are encouraged to review and comply with their terms.
16. mSave Platforms
a. Website
i. Access and Use: You may access mSave through our official website. By using the mSave website, you agree to comply with these terms and conditions.
ii. Responsibility for Content: KIGALI INFO LTD reserves the right to modify, suspend, or discontinue any aspect of the website at any time. We are not responsible for the accuracy, completeness, or reliability of any content on the website.
iii. Third-Party Links: The website may contain links to third-party websites. KIGALI INFO LTD is not responsible for the content or privacy practices of these external sites.
b. USSD Service
i. Access and Use: The mSave USSD service is accessible through supported mobile devices. By using the USSD service, you agree to these terms and conditions.
ii. Service Availability: The availability of the USSD service is subject to network and carrier conditions. KIGALI INFO LTD is not responsible for interruptions, delays, or limitations in the USSD service.
c. Merchant App
i. Access and Use: Merchants may access mSave through the official merchant app. The use of the merchant app is subject to these terms and conditions.
ii. Merchant Responsibilities: Merchants are responsible for the accuracy of product/service information, pricing, and fulfillment. KIGALI INFO LTD is not liable for disputes between merchants and customers.
iii. App Updates: KIGALI INFO LTD may release updates to the merchant app. Merchants are encouraged to keep the app updated to access new features and improvements.
d. Client App
i. Access and Use: Clients may access mSave through the official client app. The use of the client app is subject to these terms and conditions.
ii. Client Responsibilities: Clients are responsible for the security of their account credentials and any transactions initiated through the client app.
iii. App Updates: KIGALI INFO LTD may release updates to the client app. Clients are encouraged to keep the app updated for optimal performance and security.
17. Financial Services Disclaimer
a. mSave as a Technology Platform
mSave is a technology platform owned and operated by KIGALI INFO LTD. It is important to note that mSave is not a financial institution, and the services provided on the platform should not be considered as traditional banking services.
b. Use of Licensed Partners
To facilitate savings and investment features, mSave may collaborate with licensed financial institutions or partners. These partners may be responsible for the secure handling, storage, and management of your savings and investments.
g. Regulatory Compliance
mSave and its licensed partners operate in compliance with relevant financial regulations. However, users are responsible for understanding and complying with any regulatory requirements applicable to their use of financial services through mSave.
18. mSave Card Usage for Discounts
a. mSave Card Issuance
i. Issuance: mSave may offer users the option to obtain an mSave Card.
ii. Activation: Users may need to activate the mSave Card through the mSave platform to access its features, including but not limited to discounts, promotions, and loyalty programs.
iii. Card Security: Users are responsible for the security of their mSave Card. If the card is lost or stolen, users should promptly report it to mSave customer support to mitigate potential misuse.
b. NFC and Barcode Usage
i. Discounts at Merchants: The mSave Card may feature NFC (Near Field Communication) and barcode technology to facilitate discounts at participating merchants.
ii. Merchant Participation: Users can enjoy discounts by presenting their mSave Card with an activated NFC feature or by allowing merchants to scan the barcode within the mSave app.
iii. Discount Conditions: The availability and conditions of discounts may vary by merchant. Users are encouraged to check the terms of each discount offer, including any restrictions or expiration dates.
iv. Responsibility for Discounts: mSave is not responsible for the availability, terms, or quality of discounts offered by merchants. Users engage directly with merchants for discount-related matters.
c. Discount Redemption
i. User Responsibility: Users are responsible for ensuring the proper redemption of discounts at participating merchants. Any issues or disputes related to discount redemption should be addressed directly with the respective merchant.
ii. Expiration of Discounts: Some discounts may have expiration dates or limited-time availability. Users should check the terms of each discount offer to avoid disappointment.
d. mSave Card Termination
i. Termination of mSave Card: KIGALI INFO LTD reserves the right to terminate or suspend the mSave Card service at any time for any reason, with or without notice to users.
ii. Effect of Termination: Upon termination, users may no longer be able to access the mSave Card features, including discounts, and any associated benefits.
e. Card Updates
i. Updates to mSave Card Features: KIGALI INFO LTD may release updates to the mSave Card features, including new functionalities or improvements. Users are encouraged to keep their mSave app updated for optimal performance.
19. Use of mSave Card at Merchants
a. Merchant Participation
i. Acceptance of mSave Card: Participating merchants agree to accept the mSave Card for eligible transactions and provide the specified discounts or benefits.
ii. Verification of Discounts: Merchants may verify the eligibility and conditions of discounts before processing transactions using the mSave Card.
iii. Merchant Discretion: Merchants reserve the right to refuse or limit the use of the mSave Card at their discretion. Any disputes related to merchant decisions should be addressed directly with the respective merchant.
b. Cardholder Responsibilities
i. Card Usage: Users are responsible for presenting the mSave Card to merchants before making a purchase to ensure the application of discounts or benefits.
ii. Card Security: Users should take precautions to secure their mSave Card. In case of loss or theft, users should promptly report it to mSave customer support.
iii. Misuse of Card: Users are prohibited from engaging in any fraudulent or unauthorized use of the mSave Card. Any misuse may result in the termination of the mSave Card service.
c. Expiration and Renewal
i. Card Expiration: The mSave Card may have an expiration date. Users should check the card details for information on the expiration of the card.
ii. Renewal Process: KIGALI INFO LTD may provide options for the renewal of the mSave Card. Users will be notified in advance of any renewal processes.
20. Disputes with mSave
If a dispute arises between you and mSave, our goal is to learn about and address your concerns. If we are unable to address your concerns to your satisfaction, we will seek to provide you with a neutral and cost-effective means of resolving the dispute quickly. Disputes between you and mSave regarding the Service may be reported by email at info@msave.africa.
21. Force Majeure
KIGALI INFO LTD shall not be liable for any failure or delay in the performance of its obligations due to causes beyond its reasonable control, including but not limited to acts of God, war, terrorism, pandemics, government actions, and other unavoidable circumstances.
22. Governing Law
These Terms shall be governed according to the laws of Rwanda.
23. Disputes with mSave
If a dispute arises between you and mSave, our goal is to learn about and address your concerns. If we are unable to address your concerns to your satisfaction, we will seek to provide you with a neutral and cost-effective means of resolving the dispute quickly. Disputes between you and mSave regarding the Service may be reported by email at info@msave.africa.
24. Force Majeure
KIGALI INFO LTD shall not be liable for any failure or delay in the performance of its obligations due to causes beyond its reasonable control, including but not limited to acts of God, war, terrorism, pandemics, government actions, and other unavoidable circumstances.
25. Full Agreement
These Terms constitute the entire agreement between you and mSave and supersede any prior agreements or understandings, whether oral or written.
26. Amendments
KIGALI INFO LTD reserves the right to modify, amend, or update these Terms at any time. Notice of amendments will be communicated through the mSave platform or other means deemed appropriate by KIGALI INFO LTD. Continued use of mSave after the effective date of amendments constitutes acceptance of the updated Terms.
27. Dynamic Nature of Terms
You acknowledge that these terms and conditions are subject to change and may be updated periodically. The most current version will be available on the mSave platform. It is your responsibility to review the terms regularly. Your continued use of mSave after updates signifies your acceptance of the modified terms.
28. Severability
If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue to be valid, legal, and enforceable to the fullest extent permitted by law.
29. Waiver
The failure of KIGALI INFO LTD to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision unless acknowledged and agreed to by KIGALI INFO LTD in writing.
30. Contact Information
For any inquiries or concerns related to these Terms and Conditions, you may contact us at:
KIGALI INFO LTD
Email: info@msave.africa
31. Effective Date
These Terms and Conditions are effective as of 15.01.2024