All MTN Customers are eligible to participate in the YOTV Promotion

The Promotion will run for a period of three months from 1st day of November 2021 to the 31st day of January 2022.

All MTN Customers who download the YOTV mobile application for the first time shall enjoy free subscription for a period of 30 days.

MTN will offer monthly rewards to MTN Customers who purchase any of the following offers:

MTN Customers will be selected and rewarded through an electronic randomized draw and announced on MTN Uganda’s official sites.

MTN will reward 5 MTN Staff members and 30 Customers every month with shopping vouchers and SWAG items throughout the Promotion period.

MTN Staff members who subscribe to the YOTV mobile application for a period of 30 days stand to win 300 Senkyu points.

Information regarding the Promotion that is published on authorized advertising material will also form part of the terms and conditions of the Promotion.

By participating in the Promotion, you agree that any personal information provided by you for the Promotion entry and subsequently for the purpose of claiming the prize (if applicable) may be held, used, and retained by MTN to administer the Promotion.

An MTN Customer’s personal data relating to the Promotion will be used solely in accordance with the Data Protection and Privacy Act 2019.

An MTN Customer’s personal data may be passed on to third-party fulfilment service providers/contractors for the purposes of administering and arranging the prize including Know Your Customer and anti-money laundering checks with third-party providers and/or for any other legal and/or regulatory reasons.

MTN may in their sole discretion amend these terms and conditions at any time, without notice.

MTN’s decision is final, and no correspondence will be entered whatsoever.

If for any reason any aspect of this Promotion is not capable of running as planned because of depletion of planned budgeted amount, infection by computer virus, network failure, bugs tampering, unauthorized intervention, fraud, technical failures, or any cause beyond the control of MTN which corrupts or affects the administration, security, fairness, integrity, or proper conduct of this competition, MTN in its sole discretion may cancel, terminate, modify, or suspend the Promotion.

MTN will not be liable for any loss (including, without limitation, indirect, special, or consequential loss or loss of profits), expense, damage, personal injury, or death which is suffered or sustained (whether or not arising from any person’s negligence) in connection with this promotion or accepting or using any prize, except for any liability which cannot be excluded by law (in which case that liability is limited to the minimum allowable by law).

This Promotion can be run in conjunction with any other promotions.

The following terms and conditions apply to the MTN WakaNet PRO (” the Service”).

By requesting for and activating this service, you will be deemed to have read, understood, and accepted these terms and conditions:

1. This service is a fixed Home Internet solution that uses fiber-optic cable provided by MTN. The fiber optic cable ensures a reliable high-speed internet connection with no cap on data volume to meet your home entertainment, education, surveillance, and home office needs.
2. The Internet will be available to the customer within his/her premises/home.

1. This Service is open to all customers in the areas or locations that have the MTN Home fiber infrastructure ready as indicated on the MyMTN app when requesting for the service, and who request for the service through the MyMTN app.
2. The Service is designed for home use and therefore for customers intending to use Internet services at home.

1. Signing up for the Service is done via the MyMTN app. Once you log onto the app, go to Buy, select WakaNet PRO, then follow the prompts to request for the service. Ensure that:
   (1) You sign up while at the home location where the service is to be installed,(2) Your phone is set to allow Location Access for the app or that GPS is on,

   (3) You have switched off any VPN services; so that the app can capture the right location coordinates as you sign up.

   You can download the MyMTN app from the Google Play store or the App Store or go to https://mtn1app.mtn.co.ug on your phone.

2. The number that is logged into the app at the time of requesting for the service becomes the number to which the Service is linked, such that the Service is registered in the names of the customer to whom the number is registered. The number must therefore be a fully registered MTN mobile number. This number can also be seen in the initial Service Activation email you receive when the service is first activated.
3. After you request for the service, we carry out further checks to confirm we can deliver the service to your specified address. These checks include a physical survey to determine the optimal route for laying the fiber optic cable. Once this is confirmed, you are prompted to pay for the Service using Mobile Money via the MyMTN app. The Mobile Money wallet used will be the wallet for the number that is logged into the app.
4. After payment is made, we make an appointment to install the service. We try to limit this entire process to 14 days. However, any delays in scheduling appointments, making payment as well as negotiations or engagements in determining the route for the fiber optic cable may make the entire process longer.
5. As part of the installation process, we provide you with a Wi-Fi router to enable you to access the Wi-Fi network within your home. We set up the Wi-Fi network and configure the username and password which you require to access the Service.
6. Should you require any support once the Service is activated, our Customer Support team can be reached 24/7 using any of the options below:

Call: 0771001000

WhatsApp: 0772123100

1. You can choose from any of the following packages:
   

   Packages	Speeds	Price (UGX)
   WakaNet PRO Standard	Up to 20Mbps	195,000
   WakaNet PRO Premium	Up to 40Mbps	295,000

2. Payment for the Service is every thirty (30) days in advance. If you do not pay on time, the service is suspended and only reactivated when you make your monthly payment.
3. Advance payment or subscription renewal is done on the MyMTN app.
4. MTN may in its sole discretion amend fees charged from time to time and the amendments thereto shall take effect as communicated by MTN.

1. To ensure that all customers can enjoy an optimum service, the Service is subject to a Fair Usage Policy as outlined below:
   • Maximum available speeds in the daytime are 12Mbps and 24Mbps on the Standard and Premium packages respectively,
   • Maximum available speeds in the evening and on weekends are 20Mbps and 40Mbps on the Standard and Premium packages respectively,
   • Peer-to-peer applications such as torrent applications are limited to 1Mbps on the Standard package and 2Mbps on the Premium package, and
   • Gaming applications are limited to 6Mbps on the Premium package.
2. The indicated speeds are what is available on your WakaNet PRO connection, and not for every device that is connected to the Wi-Fi network supported by your connection.

1. For purposes of accessing the Service, MTN provides you with Customer Premise Equipment (Fiber Cables, faceplate, Wi-Fi router) to assure compatibility of its Network and Services. You must not in any way interfere with, alter, or modify the Customer Premises Equipment or any embedded software supplied as part of the Customer Premises Equipment nor allow anyone (other than a duly authorized MTN representative or sub-contractor) to do so.
2. You acknowledge and agree that the Customer Premise Equipment shall at all times belong to and remain the property of MTN throughout the duration of this Service and that upon the termination of the Service, MTN shall, at its discretion, recover from your premises all of the said Customer Premises Equipment.
3. You agree to be fully responsible for good care of the Customer Premise Equipment for the duration of the Service and to immediately notify MTN of any damage or loss to the same. You also agree to cooperate in the removal and recovery of the equipment by a duly authorized MTN representative or sub-contractor upon the termination of the Service, including allowing MTN access, without delay, to your premises to uninstall and recover the equipment.
4. You are responsible for the care and safety of the Customer Premises Equipment and you must not add to, modify, reverse engineer, decompile or in any way interfere with the Customer Premises Equipment or any embedded software supplied as part of the Customer Premises Equipment nor allow anyone (other than a duly authorized MTN representative) to do so.
5. Any devices or Customer Equipment connected to the Customer Premises Equipment or otherwise used to access the Services must be technically compatible with the Customer Premises Equipment and the Service and shall be connected and used in accordance with such reasonable instructions, safety, and security procedures as may be advised by MTN at the time of installation.
6. You shall be liable to MTN for any loss of or damage to the Customer Premises Equipment, except where such loss or damage is due to fair wear and tear or is caused by MTN, or anyone acting on MTN’s instructions.
7. MTN accepts no liability for any loss suffered by you or any third party as a result of the misuse of the Customer Premises Equipment or for any accidental damage.
8. Without prejudice, MTN shall only be responsible for the replacement of the Equipment in the case of manufacturer’s defects covered by Warranty. MTN shall use reasonable endeavors to extend to you the benefit of any warranty as may be provided to MTN (subject to any limitations and restrictions thereon) by the manufacturers of such Equipment, provided that any expense reasonably incurred by MTN in extending such benefit shall be payable by you.
9. You shall immediately notify MTN of any fault, damage, loss, or theft of any Customer Premise Equipment and shall be responsible for its replacement costs at the prevailing retail costs of the equipment. Such replaced Customer Premise Equipment shall remain the property of MTN.
10. Save for the above, all conditions or warranties in relation to any MTN Equipment including the Customer Premise Equipment are excluded to the fullest extent provided by law including but not limited to any warranties and conditions expressed or implied by statute. Any warranty in relation to the Customer Premise Equipment will be deemed null and void should any damage or failure be as a result of failure to protect the Equipment by use of appropriate uninterruptible power supply or power surge systems, or as a result of any misuse of or tampering or interference with any MTN Equipment.
11. You shall give possession to MTN or its duly authorized representatives of any MTN Equipment that you believe to be damaged, faulty or defective, together with all Equipment documentation that was supplied to you by MTN, within ten (10) business days of finding the fault or defect. For the purpose of this clause, business day means Monday to Friday between the hours of 0800 and 1700, excluding public holidays and weekends. MTN shall then expeditiously provide you with the available options to restore the Service, including replacing the defective equipment at your cost.
12. If the Services are terminated for whatever reason, you shall immediately notify MTN and initiate access to your premises for MTN or its duly authorized representatives or subcontractors for the purpose of uninstalling and recovery of the Customer Premise Equipment and any other MTN Equipment.

1. You may upgrade your service at any time by simply choosing a different package at the time of renewing your subscription. Once payment is made, the service will be activated on the new package. Note however that this change can only be made after your existing subscription has expired.

MTN may in its sole discretion suspend or vary the Services without liability to compensate you for any period during which:

1. MTN is required or requested to comply with an order or instruction of or on recommendation from the Government, court, regulator, or other competent authority;
2. you have not paid the Charges due;
3. such a suspension or variation is necessary to facilitate modifications to, or allow for planned maintenance of the Network provided that we give you reasonable notice of such suspension, termination, or variation;
4. MTN reasonably suspects or believes that you are in breach of the terms and conditions of this Agreement or any other terms and conditions referred to herein.

1. The Service may be terminated if:
   • We have reason to believe that the Service is being used in an unauthorized or illegal way or for criminal activities or we have been instructed to cease providing the Service by any licensing, law enforcement, or regulatory authority;
   • You contact us to request service termination.
2. In the event of termination of the Service before the expiry of an existing subscription, you will forfeit any days left to the expiry of the subscription.
3. Once you request for service termination, you will immediately grant MTN or its representatives or subcontractors’ access to your premises to uninstall and recover the Customer Premises Equipment and any other equipment belonging to MTN which permission will not be unreasonably withheld.

The obligation of each Party under these terms and conditions shall be suspended during the period to the extent that such Party is prevented or hindered from complying therewith by any cause beyond its reasonable control including but not limited to acts of God, war, civil commotion, industrial dispute, inability to secure materials, act or omission of carriers or suppliers, destruction of or technical challenges with the fiber or Customer Premises Equipment beyond our control or regulatory intervention. If such delay or failure continues for at least thirty (30) days then either Party may terminate the Service, upon expiry of the thirty (30) days, by notice in writing to the other. Upon such termination all amounts due to MTN from you shall immediately become due and payable.

1. MTN reserves the right to amend or vary these terms and conditions or to withdraw the Service at any time. In any of these events, notice will be given via SMS notifications and terms will be updated on any of the media where these terms and conditions are displayed, including the MTN website, and on the MyMTN app. Any changes will be effective immediately or as of the date referred in such notifications.
2. These Terms and Conditions are available on the MTN website mtn.co.ug and on the MyMTN app under WakaNet PRO.

These terms and conditions govern your use of this website and your participation in the ‘Virtual Olympics Online Competition’.

By clicking on “I Accept”, you:

1. ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS AND CONDITIONS OF THE COMPETITION AND ALL OBLIGATIONS AND RULES THAT ARE INCLUDED WITHIN EACH COMPETITION IN WHICH YOU PARTICIPATE (these terms and conditions of the competition are collectively referred to as the “Terms”) IN THEIR ENTIRELY;
2. AGREE TO BE BOUND BY THE TERMS;
3. ARE AUTHORIZED AND ABLE TO ACCEPT THESE TERMS.

If you  do not wish to be bound by the Terms, do not click “I accept” and do not register for the Virtual Olympics Online Competition

The competition period (hereinafter referred to as the ‘Promotional Period’) is for1 six months from June 2021 to December 2021.

2.1.          To register and participate in the Virtual Olympics Online Competition, an individual must:

i. Be a natural person, aged 18 years old or older.

ii.    At all times comply with these terms

iii.    Be a citizen or resident of Uganda official residents and those legally working in Uganda.

2.2.          We may at any time require any User to provide proof of Eligibility and Identity to participate for the User to continue to access the Virtual Olympics Online Competition.

2.3.          Each User hereby acknowledges and accepts this condition of their participation as a measure to ensure the security of the Virtual Olympics Online Competition.

2.4.          Each User will be required to provide proof of eligibility and/or identification prior to receiving a prize.

2.5.          Failure to provide evidence of your eligibility and/or identification satisfactorily in our sole and absolute discretion, shall result in the suspension and/or termination of your participation and forfeiture of all prizes.

3.1.          To participate in the online games on the online www.mtn.gogames. run platform. A Player is required to pay for a premium game and play. The players that accumulate the most points across all the games will be rewarded.  

3.2.          Players must pay for a premium game which is UGX. 500 Daily, UGX 1000 Weekly, and 3000 Monthly to participate.

3.3.          Players can play all the games on the platform multiple times.

4.1.          MTN Staff members are NOT eligible to participate. 

4.2.          All participants with criminal records shall be automatically disqualified.

4.3.          Persons who use any illicit means, or otherwise seek advantage through manipulation, are likewise prohibited. If necessary, prizes may be subsequently forfeited and reclaimed in such cases.

4.4.          Anyone who provides false information about their identity or makes multiple entries in the competition is likewise excluded.

4.5.          MTN reserves the right to exclude persons from the competition and not to pay out prizes, or to subsequently forfeit and reclaim them, in the event of a violation of these Terms and Conditions.

I hereby warrant that I have not entered any commercial, sponsorship, or other partnership agreement or arrangement with any person, firm, or company in respect of my in the competition and will not do so.

The judging committee’s decisions are final regarding the outcome of the competition which is in the committee’s discretion.

I understand and acknowledge that participation in gaming involves some degree of risk of personal injury. I warrant that I am medically sound, physically fit, and have sufficiently prepared or trained for participation in the gaming competition. I agree to abide by and follow the rules and regulations established for participation in this Virtual Olympics Online Competition.

8.1. I hereby indemnify and hold harmless MTN, its officials, agents, volunteers, and employees against any liability, injury, a loss that I may incur as a result of participating in any and all activities connected with or associated with the Virtual Olympics Online competition.

8.2. I agree to indemnify and hold MTN, its affiliated entities, and their respective employees, officers, agents, licensees, and assigns, harmless from any claim and/or liability arising from my failure to obtain the permissions and grant of authority described in these terms and conditions including all claims for infringement of copyright or any form of intellectual property.

8.3. I further agree to indemnify MTN, its affiliated entities, and their respective employees, officers, directors, agents, licensees, and assigns harmless from all liability howsoever arising including oversight, negligence, or willful misconduct.

9.1. MTN reserves the right to cancel or terminate the online competition at any time without prior notice and without the need to indicate the grounds.

9.2. MTN may avail itself of this option should the proper conduct of the competition not be assured owing to technical causes (e.g., viruses in the computer system, manipulation, or errors in the hardware and/or software) or legal reasons.

9.3. MTN may demand that a participant pay compensation for any damages incurred if any such termination is caused by the conduct of a participant.

10.1. MTN collects, processes, uses, and stores participant data provided during registration for the duration of the competition for purposes of conducting and completing the competition.

10.2. All personal data from participants is processed and used by the MTN Organiser in accordance with applicable laws and regulations.

I grant full authority, copyright and other proprietary rights `of all my recordings (audio, visual and photos) under this competition to be used by MTN UGANDA LIMITED.

12.1.      MTN reserve the right to choose who takes part in the competition based on the online application submissions on this platform.

12.2.      By Participating in the Virtual Olympics Online competition, you further grant and assign to MTN an irrevocable, perpetual, royalty-free, transferable license to use your personal data for Media, PR, and any other communication-related activities.

12.3.      You also acknowledge that MTN shall be the only brand with the right to use your data for Media, PR, and other communication-related activities.

12.4.      By entering this competition, you agree and consent to MTN’s collection, use, and retention of the personal information that you provide to MTN for all purposes related to this competition (including, but not limited to, processing and administering entries, sharing an entrant’s personal information with MTN’s service providers and contractors as necessary to conduct and operate the Competition, communicating with and awarding prizes to winners, making public announcements about winners, and advertising, promoting and publicizing this competition

12.5.      You also acknowledge that your information may be subject to the privacy policies of third parties and understand that the use of your data by any such third party is subject to the applicable privacy policy and that MTN is not responsible for such use.

Each participant is free to request the deletion of their registration details by sending notice of withdrawal to ___

MTN shall be released from all obligations upon fulfillment or distribution of the prize unless an earlier point in time has been specified by these provisions.

15.1. The Competition will be cancelled where it is void in whole, or in part prohibited by Law.

15.2. MTN is not responsible for any entry that is incomplete or incorrect, or for any failures, errors, or delays with respect to submission of any entry.

15.3. Any attempt by you to deliberately interfere with or manipulate the competition may be a violation of criminal and/or civil law and may result, among other things, in disqualification from the competition.

15.4. MTN reserves the right, without prior notice and at any time, to terminate or suspend the competition, in whole or in part, or to modify the competition, should any factor (including but not limited to fraud or copyright infringement) interfere with the competition as contemplated by these terms and conditions or if MTN believes that the competition has been or will be compromised in any way.

15.5. Ugandan Law shall govern this competition and any litigation of a dispute arising out of, or in connection with the competition shall be subject to the sole and exclusive jurisdiction of Ugandan courts.

15.6. By participating, you irrevocably submit to the sole and exclusive jurisdiction of such courts for such purpose and waive any objection in connection with the same.

These are the terms and conditions upon which you may use the MOBILE MONEY Services (as defined herein) provided by MTN Mobile Money (U) Limited (MTN MoMo) (“Conditions of Use”) the acceptance of which constitutes a binding contract between yourself and MTN MoMo (as the Trustee), wherein MTN MoMo as trustee holds monies received from you on trust to your order.

When you register as a MOBILE MONEY Customer by signing the Registration Form annexed hereto you agree to abide by these Conditions of Use.

You, therefore, need to read and fully understand these Conditions of Use and if you do not agree with them, you must not proceed to register for and/or use the MOBILE MONEY Services.

The following definitions relate to these Conditions of Use:

“Account” means your MOBILE MONEY Account, being the record maintained by us of the amount of Mobile Money from time to time held by you and represented by an equivalent amount of cash held by the Trustee on your behalf.

“Agent(s)” means the person(s) registered by MTN MoMo to provide MOBILE MONEY Services, details of which may be obtained from MTN MoMo’s Head Office.

“Agreement” means these Conditions of Use together with the Registration Form. “Charges” means the Tariffs and other charges payable under this Agreement for the MOBILE MONEY Services.

“Conditions of Use” means these terms and conditions as may be varied by us from time to time.

“Credit Balance” means the amount of Mobile-Money from time to time standing to the credit of your Account.

“Credit Transaction” means any transaction which results in your Account being credited with Mobile Money as verified by MTN MOBILE MONEY;

“Customer” means you and every other person in whose name an Account for the MOBILE MONEY Services is registered.

“Customer Care Centre” means MTN MoMo Customer Care Centre situated at locations advertised, or any regional Customer Care Centre.

“Debit” means the movement of funds out of your Mobile Money Account.

“Debit Transaction” means any transaction which results in a Debit of Mobile Money from your Account as verified by MTN MOBILE MONEY and the Mobile Money System. “Designated Payee” means any person (including yourself, another customer, an Agent or an Authorized Retailer) who is designated by you by SMS, to be the recipient of Mobile Money from your Account.

“Mobile Money” means the electronic money issued by MTN MoMo and representing an entitlement to an equivalent amount of cash monies held by the Trustee in respect of the purchase of such electronic value;

“Goods and Services” means such goods and services as may be purchased from Authorised Retailers using the MTN MOBILE MONEY System.

“ID Number” means the number associated with the form of identification provided

“Mobile Equipment” means your Mobile Phone and SIM Card or other equipment which when used together allows access to MOBILE MONEY Services and, in each case, is approved for use within the Republic of Uganda by the relevant authority.

“Mobile Phone” means your mobile phone handset.

“MOBILE MONEY Retailer” means a seller of Goods and Services who accepts Mobile Money in payment for Goods and Services.

“MOBILE MONEY Services” means the services provided by MTN MoMo for the issue and redemption of Mobile Money and the transfer of Mobile between Customers on the basis of Transfer Instructions including the recording of all Transactions, verifying and confirming all Transactions concluded and updating Customer Account records.

“MOBILE MONEY System” or “MOBILE MONEY” means the proprietary cellular phone money transfer service which is marketed, managed and operated exclusively by MTN MoMo in the Republic of Uganda.

“MTN MOBILE MONEY Website” refers to the MOBILE MONEY section on the website address www.mtn.co.ug.

“MSIN” means the mobile station identification number issued to you with the SIM Card and corresponding identification number and PUK for accessing the MTN network

“Network” means the Global System for Mobile telecommunication (“GSM”) system operated by MTN and covering those areas within the Republic of Uganda as stipulated from time to time by us.

“Network Service Provider” means the provider of mobile phone services.

“Outlet Operator” means the assistant dealing with you at an Outlet.

“Outlet” means any shop, unit, or other retail premises operated by an Agent. “Payments” means money paid to an Agent, for the purchase of an equivalent amount of Mobile Money sums credited to your Account, any such monies thereafter being held by the Trustee on trust for you as specified herein.

“PIN” means your personal identification number being the secret code you choose to access and operate your account.

“Pre-paid Airtime” means mobile phone calling credit on MTN ’s Network.

“Registration Form” means the registration form containing registration details and acceptance of these Conditions of Use by you in the form annexed hereto;

“Secret Word” means the secret password allocated to you upon activation of your MOBILE MONEY Account by keying in the Start Key.

“SIM Card” means the subscriber identity module which when used with the appropriate Mobile Equipment enables you to use the MOBILE MONEY Services.

“SMS” means a short message service consisting of a text message transmitted from one Mobile Phone to another.

“Start Key” means the one-time PIN sent to you on registration for the purpose of activating your Account.

“Tariffs” means actual charges for use of the MOBILE MONEY Services as published on the MTN Web-Site.

“Tariff Guide” means a catalog published for the Tariffs payable for the MOBILE MONEY Services, as updated from time to time.

“Transactions” means any of the transactions specified in Clause 8.

“Transfer Instructions” means instructions given via SMS for the transfer of Mobile Money from one Customer to another.

“Trustee” means MTN Mobile Money Uganda Limited which holds the aggregate of all Payments and sums equivalent to all transfers of Mobile Money into your MOBILE MONEY Account from other Customers in trust for you in the Trustee Account.

“Trustee Account” means the Bank Account maintained by the Trustee into which all Payments are made and held by the Trustee on behalf of Customers.

“User Manual” means a document describing the MOBILE MONEY System and its use.

“we” or “us” or “our” means MTN MoMo and (where applicable) MTN as the Trustee.

“you” or “your” means the Customer.

3.1 Any MTN MoMo customer may register for the MOBILE MONEY service provided they have an active MTN SIM.

3.2 You will be liable to pay your Mobile Phone Network Service provider for all network costs incurred using the MOBILE MONEY Service. You will also be liable to pay applicable Tariffs for your use of the MOBILE MONEY Services and such Tariffs may be deducted directly from your MOBILE MONEY Account.

3.3 You may register for MOBILE MONEY Services with any MOBILE MONEY Agent in the Republic of Uganda.

3.4 Upon registering as a Customer, you will be required to provide the following information for inclusion in the Registration Form to be signed by you:-

3.4.1 The identification number associated with the form of acceptable identification provided
3.4.2 Your full name
3.4.3 Your physical address
3.4.4 Your date of birth
3.4.5 Your Nationality
3.4.6 Your mobile number

3.5 All information provided must be complete and accurate in all respects.

3.6 We may decline your application at our sole discretion.

3.7 We may refuse to open an Account for you if we are not satisfied with proof of your identity.

3.10 Upon registration with MOBILE MONEY and input of Start Key, you will be allocated a Secret Word which must be kept secret at all times and which will be used to identify you as being the rightful Customer of your Account on raising enquires with the Customer Care Centre on the telephone. Upon activation of your Account by the input of the Start Key you will upon choosing a secret PIN, be entitled to use the MOBILE MONEY Services with immediate effect.

4.1 The MOBILE MONEY Services are made available to you subject to these Conditions of Use:-

4.1.1 Although we will try to ensure that you are able to make full use of the Network to access MOBILE MONEY Services within the coverage area, we do not guarantee that the MOBILE MONEY Services will be available at all times and we will not be responsible or liable for any loss whatsoever or howsoever arising as a consequence of any non-availability of the MOBILE MONEY Services. The MOBILE MONEY Services are not fault-free and factors including (but not limited to) acts of God, geographical topography, weather conditions, planned maintenance or rectification work on the Network may interfere adversely with the quality and provision of the MOBILE MONEY Services.

4.1.2 In the event of damage to, loss, or theft of the SIM, you are obliged to inform us immediately of such damage, loss, or theft. We will then disable such damaged, lost or stolen SIM Card so as to prevent further use of the MOBILE MONEY Services until the same has been replaced. A replacement fee will be applicable and you will be responsible for all Charges and Transactions effected up to the time of receipt by us of your notification of the damage, loss, or theft. Notification of any such damage, loss, or theft may be given by telephoning the Customer Care Centre. You will be required to indemnify us against any claims made in respect of any Transactions affected with your Mobile Phone and SIM prior to such notification being received.

4.1.3 Please note that the confidentiality of your communications via our Network is not guaranteed.
You are advised that for reasons beyond our control, there is a risk that your communications may be unlawfully intercepted or accessed by those other than the intended recipient. We cannot accept any liability for any loss, injury, or damage whether direct or consequential arising out of any such compromise of confidentiality.

4.2 You accept that we may disclose or receive personal information or documents about you:-

4.2.1 to and from local and international law enforcement or any competent regulatory or governmental agencies to assist in the prevention, detection, or prosecution of criminal activities or fraud;

4.2.2 to facilitate our ability to carry out any activity in connection with a legal, governmental or regulatory requirement;

4.2.3. to our lawyers or auditors or to the applicable court in connection with any legal or audit proceedings (notwithstanding that any such proceedings may be of a public nature).

4.3 You must comply with any instructions that we may give you from time to time about the MOBILE MONEY Services.

4.4 With the exception of calls made to our Customer Service Hotline numbers (which will be provided to you upon registration) and to other designated toll-free numbers, a minimum call charge may be levied in accordance with the applicable Tariff.

4.5 Your calls, emails, or SMS’s may be monitored or recorded for use in business practices such as quality control, training, ensuring effective systems operation, prevention of unauthorized use of our telecommunications system, and detection and prevention of crime.

5.1. You are deemed to have accepted these Conditions of Use as amended from time to time and which take effect:-

5.1.1 Upon Registration; or

5.1.2 Upon the initial activation of the MOBILE MONEY System by use of your Start Key.

6.1 We may suspend (bar), restrict or terminate the provision of the MOBILE MONEY Services (in whole or in part) and/or close your Account without informing you and without any liability whatsoever (although, we will, where possible, try to inform you that such action is or may be taken) under the following circumstances:-

6.1.1 if we are aware or have reason to believe that your Mobile Equipment or the MSIN/PIN number used in relation to the MOBILE MONEY Services is/are being used in an unauthorized, unlawful, improper or fraudulent manner or for criminal activities (or has been so used previously);

6.1.2 if you do not comply with any of the conditions relating to the MOBILE MONEY Services including these Conditions of Use;

6.1.3 if you notify us that your Mobile Equipment has been lost or stolen or your PIN has been lost or disclosed to any other party;

6.1.4 if you do anything (or allow anything to be done) with your Mobile Equipment which we think may damage or affect the operation or security of the Network or the MOBILE MONEY Services;

6.1.5 for reasons outside of our control;

6.1.6 where we close your Account under Clause 6.2.

6.2 To access the MOBILE MONEY Services, your SIM must be operational (“active”) at all times. If your SIM is inactive for a consecutive period of 9 months your MOBILE MONEY Account will automatically be closed by MTN MoMo and any Mobile credit standing to the Credit of your Account will be paid to you in the matter provided in clause 6.4.

6.3 We will also close your Account upon receipt of your request to close your Account.

6.4 Where the use of your PIN has been suspended or disconnected or your Account closed any Credit Balance in your Account will be repaid to you in cash upon your presenting yourself at our Customer Care Centres. You will only be paid any Credit Balance in cash upon satisfactory evidence of your identity being produced.

6.5 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 or statute if we close or suspend your Account in terms of this clause 6.

7.1 Tariffs as published are payable to MOBILE MONEY for each Transaction effected from your Account. The Tariff Guide is available from MTN MoMo’s Head Office or by accessing the MTN Website.

7.2 Tariffs payable on each Transaction will be deducted from your MOBILE MONEY Account by MOBILE MONEY on conclusion of each Transaction and your new balance on conclusion of the Transaction shall be notified to you by SMS.

7.3 Tariffs include Value Added Tax but are subject to other applicable levies and taxes at the then prevailing rates.

7.4 All Charges payable by you in connection with the use of the MOBILE MONEY Services may be debited from your Account without further reference to you.

8.1 All Debit Transactions from your Account will be effected by Transfer Instructions authorized with the PIN which you choose when you register, or by such other method, we may prescribe from time to time. Proof of ID will BE required before any Transaction can be effected and the ID presented will be recorded by the Agent on each Transaction.

8.2 Your Account will be credited when you purchase MOBILE MONEY by making Payments or when Mobile Money is transferred to your MOBILE MONEY Account from another Customer and all such amounts will be held by the Trustee to your order.

8.3 You may not affect any Transactions from your Account in the event that you do not have sufficient MOBILE MONEY in your Account to meet the value of the Transaction and Charges applicable thereto.

8.4 The MOBILE MONEY System will verify and confirm all Transactions affected from your Account by SMS to you. The MOBILE MONEY System records will be taken as correct unless the contrary is proved.

8.5 On being provided with an Account, you will be able to affect the following transactions:-

8.5.1 Effect a Credit Transaction by making a Payment in cash directly to an Agent in exchange for an equivalent amount of MOBILE MONEY to be credited into your Account. Upon a Credit Transaction being made, the MOBILE MONEY System shall credit your account accordingly.

8.5.2 Effect a Debit Transaction by:-

8.5.2.1 The exchange of Mobile Money for cash at any Agent by sending a Transfer Instruction to MOBILE MONEY pursuant to which the Agent will pay the equivalent amount of cash to you.

8.5.2.2 The transfer of Mobile Money to another Customer by sending Transfer Instructions to MOBILE MONEY for the account of such Customer, specifying the amount to be transferred.

8.5.2.3 The purchase of MTN Pre-paid Airtime by sending a recharge instruction to MTN and giving a Transfer Instruction for the corresponding amount of Mobile Money to MTN as the Designated Payee.

8.5.2.4 The purchase of Goods and/or Services from Authorised Retailers by Transfer Instructions via MOBILE MONEY of the amount to be transferred to the Authorised Retailer’s Account in settlement for the Goods and/or Services purchased.

8.5.2.5 Upon any Credit Transaction and Debit Transaction being affected the MOBILE MONEY System shall credit or debit your Account once the sum is actually credited to, withdrawn, or transferred by you from your Account.

8.5.3 Any Transaction which is not concluded within 7 days of the Transfer Instructions first being given for that transaction will automatically be canceled and an SMS notification sent via MOBILE MONEY of the cancellation shall be given to the Customer giving the Transaction Instructions.

8.5.4 The MOBILE MONEY System will confirm every Transaction made by way of SMS together with an updated balance of your Account.

8.5.5 Any Debit Transactions given using the PIN will be charged to the Account. You acknowledge that, unless and until MTN MoMo receives notice from you that your PIN Secret Word, is no longer secure and/or that your Mobile Equipment has been lost or stolen, MTN MoMo may rely on the use of the PIN as conclusive evidence that a Debit Transaction has been authorized by you, even if it is actually made without your authority. MTN MoMo shall not require any written confirmation of any Transaction Instruction.

8.5.6 We are unable to reverse or charge back any Transfer Instruction for any reason including in the event of any dispute with any other Customer or an Authorised Retailer. You are responsible for resolving any disputes arising with any other Customer or an Authorized Retailer without recourse to MOBILE MONEY.

8.5.7 Your Account may only be operated by the use of Agents/Retailers in the Republic of Uganda

8.5.8 Each Transaction will be issued with a unique receipt number that is included in the confirmation SMS sent to you with an updated balance of your Account. This receipt number is used to track & identify all Transactions carried out on your Account.

8.5.9 A Transaction once completed is final and irrevocable. As such, MTN MomO shall not be under any compulsion to reverse any Transaction.

8.5.10 Notwithstanding the above, MTN MoMo reserves the right, at its sole discretion, to cancel or reverse a Transaction if reasonable grounds such as manifest error or fraud are shown and PROVIDED that the recipient has not redeemed the Mobile Money and the reversal claim is made within seven (7) days of the erroneous Transaction date.

8.5.11 MTN MoMo will not be compelled to refund or compensate the sender if the Mobile Money is sent to a recipient mistakenly or in error or fraudulently or under duress and subsequently redeemed for Cash or otherwise spent by the recipient of the mistaken, erroneous or fraudulent Transaction and you hereby agree to hold MTN harmless for any losses arising from a mistaken, erroneous or fraudulent transfer of funds or any transfer of funds from your account effected under duress or under coercion or criminal force.

9.1 Only one PIN Number can be linked to your Account at any time.

9.2 Only you may use your Mobile Phone and PIN Number.

9.3 You are responsible for the safekeeping and proper use of your Mobile Equipment, for keeping your PIN, your Start Key and Secret Word and for all Transactions that take place on your account using your PIN.

9.4 Your Secret Word will be used to confirm your identity when you call the Call Centre, but must not disclose your PIN to any person including the staff at the Customer Care Centre.

10.1 You will be responsible for all applicable Charges at the applicable Tariffs for any Transaction effected including calls made on our Network using the Mobile Equipment whether those calls were made by you or someone else with or without your authority or knowledge.

10.2 You are solely responsible for any transmitted material and or communication, which is classified as defamatory, illegal, or in breach of any copyright and shall indemnify and keep us indemnified against any claims and expenses made against us in respect thereof.

10.3 You must not use the MOBILE MONEY Services to commit any offense (s) contrary to the Laws of Uganda.

11.1 We reserve the right to vary at any time and without prior notice to you these Conditions of Use or the Tariffs. Variations will be notified by way of advertisement in a daily newspaper, SMS, or through our Website and or by using any other suitable means PROVIDED THAT you shall be deemed to have been notified of any such variations regardless that the same may not have actually come to your attention

11.2 By continuing to use the MOBILE MONEY Services you shall be deemed to have agreed to the variations contemplated in clause 11. If you do not accept any of the variations then you must not continue to effect any Transactions otherwise you will be deemed to have accepted such modifications.

12.1 The Trustee hereby declares that it holds all Payments received in respect of the Purchase of MOBILE MONEY or transfers of MOBILE MONEY into your Account (the “Trust Amounts”) on trust for you and for your benefit and that you shall be beneficially entitled to all those Trust Amounts standing to the credit of your Account. You agree that the Trustee may treat the records of the MOBILE MONEY System as conclusive evidence of the amount of MOBILE MONEY at any time standing to the credit of your Account and the Trustee is not bound to make any independent investigation of your beneficial entitlement to the Trust Amounts. You further acknowledge that, in relation to any payment to you in respect of your entitlement to Trust Amounts, we may act on instructions given by you using your PIN or instructions purported to be given by you using your PIN even if they are actually given by a third party.

12.2 You acknowledge that the Trustee shall have no obligation to invest the Trust Amounts other than by way of holding the same in the Trust Account. You further acknowledge that, to the extent that any interest accrues on the Trust Amounts, you shall have no beneficial entitlement to such interest and the Trustee shall be entitled to retain such interest to defray its own costs and expenses and/or to pay the same towards the costs and expenses of operating the MOBILE MONEY System and/or to pay the same to such charitable cause(s) as the Trustee may in its absolute discretion determine.

13.1. In the event that we are compelled to change or reassign your telecommunications numbering to meet regulatory requirements or for any other reason our liability will be limited to retaining your Account and where possible, transferring your Account to a new MSISDN, failing which you will be paid out the Credit Balance standing in your Account in cash.

13.2. To the maximum extent permissible by law we exclude warranties of all kinds, either express or implied.

13.3. All Agents are no more than independent outlets authorized by MTN or an approved MOBILE MONEY agent aggregator to provide MOBILE MONEY Services and no agency relationship exists between MTN MoMo and the Agents and we accordingly bear no responsibility or liability for any default or negligence on the part of the Agents in providing the MOBILE MONEY Services.

13.4. We shall not be liable for any loss which you suffer unless it is directly caused by our being negligent or deliberately acting wrongly. If we do act negligently or wrongly, we shall only be liable for the amount of the loss that a normal Customer in your position would have suffered and not any loss which results from your particular circumstances; even if we know that your circumstances are unusual.

14.1 This Agreement (as from time to time may be amended) forms a legally binding agreement binding on you and your personal successors and assigns.

14.2 This Agreement may not be assigned by you to any other person.

14.3 No failure or delay by either of us in exercising any right or remedy hereunder shall operate as a waiver thereof, nor shall any single or partial exercise of any right or remedy prevent any further or another exercise thereof or the exercise of any other right or remedy.

14.4 The rights and remedies herein provided are cumulative and not exclusive of any rights or remedies provided by law.

14.5 If any provision of these Conditions of Use shall be found by any duly appointed arbitrator, court, or administrative body of competent jurisdiction to be invalid or unenforceable the invalidity or unenforceability of such provision shall not affect the other provisions herein and all provisions not so affected by such invalidity or unenforceability shall remain in full force and effect.

15.1 You may obtain a balance inquiry from your Mobile Equipment and query any transactions affected using your Mobile Equipment and Secret Word at the Customer Service Centre.

15.2 Printed statements of your Account will not be provided.

15.3 We will close your Account on receiving a request from you.

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

17.1 We are entitled to send information to you via SMS to the contact Mobile Phone number supplied on your application form. These SMS’s are for information purposes only.

17.2 You should send any legal notice to us at our chosen address: MTN Mobile Money Uganda Limited P.O. Box 40340, Kampala, Plot 1-4 Wampewo Avenue, Kololo Kampala

18.1 You must pay all our expenses in recovering any amounts you owe us including legal fees, collection fees, and tracing fees.

18.2 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.

18.3 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 or statute.

18.4 You must notify us immediately of any change of your details in your Registration Form.

18.5 You agree that your information, including your personal information, your conversations with our Customer Care Centre and your Transactions will be recorded and stored for record-keeping purposes for 7 years from the date of closure of your Account.

18.6 All copyright, trademarks, and other intellectual property rights used as part of the MOBILE MONEY Services or contained in our documents are owned by MTN or its licensors. You agree that you acquire no rights thereto.

19.1 This Agreement is governed by Ugandan Law.

19.2 Any dispute arising out of or in connection with this Agreement shall be referred to arbitration by a single arbitrator to be appointed by agreement between the parties or in default of such agreement within 60 days of the notification of a dispute, upon the application of either party, by the Judge in charge for the time being of the High Court (Commercial Division) of Uganda. Such arbitration shall be conducted in Kampala in accordance with the Rules of Arbitration subject to and in accordance with the provisions of the Arbitration Act, Cap 4, or its successor legislation

19.3 To the extent permissible by law, the determination of the Arbitrator shall be final, conclusive, and binding upon the parties hereto.

19.4 Nothing shall prevent the parties hereto from seeking any relief from a court of competent jurisdiction in Uganda and or any other relevant regulatory body.

20.1. MTN MoMo recognizes the importance of protecting the privacy of all information provided by users of Mobile Money Services. This statement is meant to affirm our utmost respect for your rights to privacy.

20.2. MTN MoMo collects personally identifiable information that we use to profile Mobile Money Service Users and administer individual MOBILE MONEY accounts, update MOBILE MONEY databases, and provide user support.

20.3. Save as provided hereunder, MTN MoMo does not share your personal information with unauthorized persons and adequate safeguards have been put in place to prevent unauthorized access and to ensure confidentiality of your personal information.

20.4. You acknowledge that by using the MOBILE MONEY Services, some of your personal information will be passed on to any person whom you receive Mobile Money from, or send Mobile Money to and will be available to any third party involved in the operation of the service including without limitation, MOBILE MONEY Cash Merchants, ATM Switch providers and Ericsson AB (as vendors of the MOBILE MONEY transfer technology platform). You hereby authorize MTN to share with, provide or disclose to third parties with which you have separately contracted or with which you intend to contract (and have informed MTN of this intention in writing or electronically through the MOBILE MONEY System or any other platform), your personal information including any Transaction data, information pertaining to you or your MOBILE MONEY Account, or your usage of MTN Products and Services provided that the authority given to MTN to disclose information to such third parties (not being law enforcement, investigative or regulatory authority) pursuant to this clause may be withdrawn at any time.

20.5. You acknowledge that MTN MoMo may verify your identity information through publicly available and/or restricted government databases in order to comply with regulatory requirements.

20.6. You accept that MTN MoMo shall have the right to monitor your account usage and may disclose personal information to local law enforcement or investigative agencies or any competent regulatory or governmental agencies to assist in the prevention, detection, or prosecution of money laundering activities, fraud or other criminal activities;

20.7. MTN MoMo employees who handle personal information are under an obligation to treat it confidentially and may not disclose it to unauthorized third parties. MTN employees are also responsible for the internal security of the information. Employees who violate MTN MoMo’s privacy policies are subject to a range of disciplinary actions.

20.8. Any person submitting any information to MTN MoMo through the MOBILE MONEY System may be granted access rights to that information. MTN has developed systems that enable access and correction of information submitted to it.

Note: Please note that a Summary of the Mobile Money Services terms and conditions is available at the Mobile Money Agents outlets, All MTN Service Centers MTN’s head office, and the MTN Website located at www.mtn.co.ug and is printed on the back of the registration form.

These Terms and Conditions relate to the 2021 Ramadhan Consumer Promotion from MTN Uganda. All MTN Customers who will benefit from this Customer Value Proposition will be deemed to have read, understood, and consented to these terms and conditions before claiming any such benefit. All users agree to be bound by the following terms and conditions:

This is a promotional offer.

For every MTN customer who loads any amount of airtime or purchases any bundled service through MTN Mobile Money between 6:00am and 11:59pm, 30 MTN-to-MTN voice minutes and 100MB will be given to be used in the next window of 12:00am and 5:59am.

This offer is exclusively valid for the 2021 Ramadhan season only, and starts on 15 th April 2021.

To check the free resources, customers will dial *131#

MTN will support this offer with marketing support at the points of sale with merchandise and point of sale communication.

By benefitting from this offer, customers permit MTN to use their voices, pictures and life stories to be used in MTN's marketing communication for the period of 12 months from the time the service was activated for them.

MTN shall bear no responsibility for any harm and/or losses occasioned the customers arising from the use of the given minutes and data resources.

Information regarding the campaign that is published on authorized advertising material will also form part of the terms and conditions of the campaign.

MTN may in their sole discretion amend these terms and conditions at any time, without notice.

MTN’s decision is final and no correspondence will be entered into.

Benefitting customers will receive SMS and/or telephone notifications from time to time from MTN Uganda.

Any additional products or services not included in the offered data, but required by the customer for a fulfilling a desired user experience, will need to be arranged and paid for separately.

If for any reason any aspect of this campaign is not capable of running as planned, including by reason of infection by computer virus, network failure, bugs tampering, unauthorized intervention, fraud, technical failures, or any cause beyond the control of Synergy which corrupts or affects the administration, security, fairness, integrity or proper conduct of this offer, MTN in its sole discretion may cancel, terminate, modify or suspend the offer, or invalidate any affected entries, subject to the approval of the local regulator.

MTN will not be liable for any loss (including, without limitation, indirect, special or consequential loss or loss of profits), expense, damage, personal injury or death which is suffered or sustained (whether or not arising from any person’s negligence) in connection with this offer, except for any liability which cannot be excluded by law (in which case that liability is limited to the minimum allowable by law).

MTN reserves the right to change the duration of the campaign at any time.

Subject to confirmation, this offer cannot necessarily be used in conjunction with any other existing promotions.

To be eligible for the discount, the customer should pay for services using MTN MoMoPay at participating fuel stations that accept MTN MoMoPay as a mode of payment.

A discount shall be applied on all services offered at the participating fuel stations once a Customer uses the participating MoMo Pay codes.

A Customer shall enjoy a 5% discount on every transaction carried out using MTN MoMoPay subject to a cap of Ugx 5,000 per transaction and a total discount of Ugx 20,000 for all the transactions carried out within a day at the participating stations for the duration of the Promo.

This promotional offer is available to all MTN customers.

This promotion will run for a period of 90 days from the launch date. MTN reserves the right to alter the promotion period.

MTN MoMoPay transactions can be made through the MyMTN/MoMo app (using the QR code scanner or merchant code options) or by dialing *165*3# and following the prompts.

Information regarding the promotion that is published on authorized advertising material will also form part of the terms and conditions of the promotion.

MTN may in their sole discretion amend these terms and conditions at any time, without notice.

MTN's decision is final and no correspondence will be entered whatsoever.

If for any reason any aspect of this promotion is not capable of running as planned because of depletion of planned budgeted amount, network failure, bugs tampering, unauthorized intervention, fraud, technical failures, or any cause beyond the control of MTN which corrupts or affects the administration, security, fairness, integrity or proper conduct of this promotion, MTN in its sole discretion may cancel, terminate, modify or suspend the promotion.

MTN will not be liable for any loss (including, without limitation, indirect, special, or consequential loss or loss of profits), expense, damage, personal injury or death which is suffered or sustained (whether or not arising from any person's negligence) in connection with this promotion except for any liability which cannot be excluded by law (in which case that liability is limited to the minimum allowable by law).

These are the terms and conditions upon which you may use the MOBILE MONEY Services (as defined herein) provided by MTN Uganda Limited (MTN) (“Conditions of Use”) the acceptance of which constitutes a binding contract between yourself, MTN and MTN MOBILE MONEY (as the Trustee), wherein MTN as trustee holds monies received from you on trust to your order. When you register as a MOBILE MONEY Customer by signing the Registration Form annexed hereto you agree to abide by these Conditions of Use. You therefore need to read and fully understand these Conditions of Use and if you do not agree with them, you must not proceed to register for and/or use the MOBILE MONEY Services.

The following definitions relate to these Conditions of Use:

“Account” means your MOBILE MONEY Account, being the record maintained by us of the amount of Mobile Money from time to time held by you and represented by an equivalent amount of cash held by the Trustee on your behalf.

“Agent(s)”means person(s) registered by MTN to provide MOBILE MONEY Services, details of which may be obtained from MTN ’s Head Office.

“Agreement” means these Conditions of Use together with the Registration Form.

“Charges” means the Tariffs and other charges payable under this Agreement for the MOBILE MONEY Services.

“Conditions of Use” means these terms and conditions as may be varied by us from time to time.

“Credit Balance” means the amount of Mobile-Money from time to time standing to the credit of your Account. “Credit Transaction” means any transaction which results in your Account being credited with Mobile Money as verified by MTN MOBILE MONEY;

“Customer” means you and every other person in whose name an Account for the MOBILE MONEY Services is registered.

“Customer Care Centre” means MTN Customer Care Centre situated at Plot 69-71 Jinja Road Kampala, or any regional Customer Care Centre

“Debit” means the movement of funds out of your Mobile Money Account.

“Debit Transaction” means any transaction which results in a Debit of Mobile Money from your Account as verified by MTN MOBILE MONEY and the Mobile Money System. “Designated Payee” means any person (including yourself, another customer, an Agent or Authorized Retailer) who is designated by you by SMS, to be the recipient of Mobile Money from your Account.

“Mobile Money” means the electronic money issued by MTN and representing an entitlement to an equivalent amount of cash monies held by the Trustee in respect of the purchase of such electronic value;

“Goods and Services” means such goods and services as may be purchased from Authorised Retailers using the MTN MOBILE MONEY System.

“ID Number” means the number associated with the form of identification provided

“Mobile Equipment” means your Mobile Phone and SIM Card or other equipment which when used together allows access to MOBILE MONEY Services and, in each case, is approved for use within the Republic of Uganda by the relevant authority.

“Mobile Phone” means your mobile phone handset.

“MOBILE MONEY Retailer” means a seller of Goods and Services who accepts Mobile Money in payment for Goods and Services.

“MOBILE MONEY Services” means the services provided by MTN for the issue and redemption of Mobile Money and the transfer of Mobile between Customers on the basis of Transfer Instructions including the recording of all Transactions, verifying and confirming all Transactions concluded and updating Customer Account records.

“MOBILE MONEY System” or “MOBILE MONEY” means the proprietary cellular phone money transfer service which is marketed, managed, and operated exclusively by MTN in the United Republic of Uganda.

“MTN MOBILE MONEY Website” refers to the MOBILE MONEY section on website address www.mtn.co.ug.

“MSIN” means the mobile station identification number issued to you with the SIM Card
and corresponding identity number and PUK for accessing the MTN network

“Network” means the Global System for Mobile telecommunication (“GSM”) system operated by MTN and covering those areas within the Republic of Uganda as stipulated from time to time by us.

“Network Service Provider” means the provider of mobile phone services.

“Outlet Operator” means the assistant dealing with you at an Outlet.

“Outlet” means any shop, unit or other retail premises operated by an Agent.

“Payments” means money paid to an Agent, for the purchase of an equivalent amount of Mobile Money sums credited to your Account, any such monies thereafter being held by the Trustee on trust for you as specified herein.

“PIN” means your personal identification number being the secret code you choose to access and operate your Account.

“Pre-paid Airtime” means mobile phone calling credit on MTN ’s Network.

“Registration Form” means the registration form containing registration details and acceptance of these Conditions of Use by you in the form annexed hereto;

“Secret Word” means the secret password allocated to you upon activation of your MOBILE MONEY Account by keying in the Start Key.

“SIM Card” means the subscriber identity module which when used with the appropriate Mobile Equipment enables you to use the MOBILE MONEY Services.

“SMS” means a short message service consisting of a text message transmitted from one Mobile Phone to another.

“Start Key” means the one-time PIN sent to you on registration for the purpose of activating your Account.

“Tariffs” means actual charges for use of the MOBILE MONEY Services as published on the MTN Uganda Web-Site.

“Tariff Guide” means a catalogue published for the Tariffs payable for the MOBILE MONEY Services, as updated from time to time.

“Transactions” means any of the transactions specified in Clause 8.

“Transfer Instructions” means instructions given via SMS for the transfer of Mobile Money from one Customer to another.

“Trustee” means MTN Uganda Limited which holds the aggregate of all Payments and sums equivalent to all transfers of Mobile Money into your MOBILE MONEY Account from other Customers in trust for you in the Trustee Account.

“Trustee Account” means the Bank Account maintained by the Trustee into which all Payments are made and held by the Trustee on behalf of Customers.

“User Manual” means a document describing the MOBILE MONEY System and its use.

“we”or “us”or “our” means MTN and (where applicable) MTN as the Trustee.

“you”or “your” means the Customer.

APPLICATION FOR ACCOUNT

Any MTN Uganda customer may register for the MOBILE MONEY service provided they have an active MTN Uganda SIM.

You will be liable to pay your Mobile Phone Network Service provider for all network costs incurred using the MOBILE MONEY Service. You will also be liable to pay applicable Tariffs for your use of the MOBILE MONEY Services and such Tariffs may be deducted directly from your MOBILE MONEY Account.

You may register for MOBILE MONEY Services with any MOBILE MONEY Agent in the Republic of Uganda.

Upon registering as a Customer, you will be required to provide the following information for inclusion in the Registration Form to be signed by you:-

3.4.1 The identification number associated with the form of acceptable identification provided

3.4.2 Your full name

3.4.3 Your physical address

3.4.4 Your date of birth

3.4.5 Your Nationality

3.4.6 Your mobile number

All information provided must be complete and accurate in all respects.

We may decline your application at our sole discretion.

We may refuse to open an Account for you if we are not satisfied with proof of your identity.

Upon registration with MOBILE MONEY and input of Start Key, you will be allocated a Secret Word which must be kept secret at all times and which will be used to identify you as being the rightful Customer of your Account on raising enquires with the Customer Care Centre on the telephone. Upon activation of your Account by the input of the Start Key you will upon choosing a secret PIN, be entitled to use the MOBILE MONEY Services with immediate effect.

THE MOBILE MONEY SERVICES

The MOBILE MONEY Services are made available to you subject to these Conditions of Use:-

Although we will try to ensure that you are able to make full use of the Network to access MOBILE MONEY Services within the coverage area, we do not guarantee that the MOBILE MONEY Services will be available at all times and we will not be responsible or liable for any loss whatsoever or howsoever arising as a consequence of any non-availability of the MOBILE MONEY Services.

The MOBILE MONEY Services are not fault free and factors including (but not limited to) acts of God, geographical topography, weather conditions, planned maintenance or rectification work on the Network may interfere adversely with the quality and provision of the MOBILE MONEY Services.

In the event of damage to, loss or theft of the SIM, you are obliged to inform us immediately of such damage, loss or theft. We will then disable such damaged, lost or stolen SIM Card so as to prevent further use of the MOBILE MONEY Services until the same has been replaced. A replacement fee will be applicable and you will be responsible for all Charges and Transactions effected up to the time of receipt by us of your notification of the damage, loss or theft. Notification of any such damage, loss or theft may be given by telephoning the Customer Care Centre.

You will be required to indemnify us against any claims made in respect of any Transactions effected with your Mobile Phone and SIM prior to such notification being received.

Please note that the confidentiality of your communications via our Network is not guaranteed. You are advised that for reasons beyond our control, there is a risk that your communications may be unlawfully intercepted or accessed by those other than the intended recipient. We cannot accept any liability for any loss, injury or damage whether direct or consequential arising out of any such compromise of confidentiality.

You accept that we may disclose or receive personal information or documents about you:-

to and from local and international law enforcement or any competent regulatory or governmental agencies to assist in the prevention, detection or prosecution of criminal activities or fraud;

to facilitate our ability to carry out any activity in connection with a legal, governmental or regulatory requirement;

to our lawyers or auditors or to the applicable court in connection with any legal or audit proceedings (notwithstanding that any such proceedings may be of a public nature).

You must comply with any instructions that we may give you from time to time about the MOBILE MONEY Services.

With the exception of calls made to our Customer Service Hotline numbers (which will be provided to you upon registration) and to other designated toll free numbers, a minimum call charge may be levied in accordance with the applicable Tariff.

Your calls, emails or SMS’s may be monitored or recorded for use in business practices such as quality control, training, ensuring effective systems operation, prevention of un-authorized use of our telecommunications system and detection and prevention of crime.

ACCEPTANCE AND COMMENCEMENT OF CONDITIONS OF USE

You are deemed to have accepted these Conditions of Use as amended from time to time and which take effect:-

5.1.1 Upon Registration; or

5.1.2 Upon the initial activation of the MOBILE MONEY System by use of your Start Key.

SUSPENSION AND DISCONNECTION OF THE SERVICES/CLOSURE OF ACCOUNT

We may suspend (bar), restrict or terminate the provision of the MOBILE MONEY Services (in whole or in part) and/or close your Account without informing you and without any liability whatsoever (although, we will, where possible, try to inform you that such action is or may be taken) under the following circumstances:-

if we are aware or have reason to believe that your Mobile Equipment or the MSIN/PIN number used in relation to the MOBILE MONEY Services is/are being used in an un-authorized, unlawful, improper or fraudulent manner or for criminal activities (or has been so used previously);

if you do not comply with any of the conditions relating to the MOBILE MONEY Services including these Conditions of Use;

if you notify us that your Mobile Equipment has been lost or stolen or your PIN has been lost or disclosed to any other party;

if you do anything (or allow anything to be done) with your Mobile Equipment which we think may damage or affect the operation or security of the Network or the MOBILE MONEY Services;

for reasons outside of our control;

where we close your Account under Clause 6.2.

To access the MOBILE MONEY Services, your SIM must be operational (“active”) at all times. If your SIM is in inactive for a consecutive period of 3 months your MOBILE MONEY Account will automatically be closed by MTN and any Mobile credit standing to the Credit of your Account will be paid to you in the matter provided in clause 6.4.

We will also close your Account upon receipt of your request to close your Account.

Where the use of your PIN has been suspended or disconnected or your Account closed any Credit Balance in your Account will be repaid to you in cash upon your presenting yourself at our Customer Care Centres. You will only be paid any Credit Balance in cash upon satisfactory evidence of your identity being produced.

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, or statute, if we close or suspend your Account in terms of this clause 6.

TARIFFS

Tariffs as published are payable to MOBILE MONEY for each Transaction effected from your Account. The Tariff Guide is available from MTN’s Head Office or by accessing the MTN Uganda Website.

Tariffs payable on each Transaction will be deducted from your MOBILE MONEY Account by MOBILE MONEY on conclusion of each Transaction and your new balance on conclusion of the Transaction shall be notified to you by SMS.

Tariffs include Value Added Tax but are subject to other applicable levies and taxes at the then prevailing rates.

All Charges payable by you in connection with the use of the MOBILE MONEY Services may be debited from your Account without further reference to you.

All Debit Transactions from your Account will be effected by Transfer Instructions authorized with the PIN which you choose when you register, or by such other method we may prescribe from time to time. Proof of ID will BE required before any Transaction can be effected and the ID presented will be recorded by the Agent on each Transaction.

Your Account will be credited when you purchase MOBILE MONEY by making Payments or when Mobile Money is transferred to your MOBILE MONEY Account from another Customer and all such amounts will be held by the Trustee to your order.

You may not effect any Transactions from your Account in the event that you do not have sufficient MOBILE MONEY in your Account to meet the value of the Transaction and Charges applicable thereto.

The MOBILE MONEY System will verify and confirm all Transactions affected from your Account by SMS to you. The MOBILE MONEY System records will be taken as correct unless the contrary is proved.

On being provided with an Account, you will be able to affect the following transactions:-

Effect a Credit Transaction by making a Payment in cash directly to an Agent in exchange for an equivalent amount of MOBILE MONEY to be credited into your Account. Upon a Credit Transaction being made, the MOBILE MONEY System shall credit your Account accordingly.

8.5.2.1 The exchange of Mobile Money for cash at any Agent by sending a Transfer Instruction to MOBILE MONEY pursuant to which the Agent will pay the equivalent amount of cash to you.

8.5.2.2 The transfer of Mobile Money to another Customer by sending Transfer Instructions to MOBILE MONEY for the account of such Customer, specifying the amount to be transferred.

8.5.2.3 The purchase of MTN Pre-paid Airtime by sending a recharge instruction to MTN and giving a Transfer Instruction for the corresponding amount of Mobile Money to MTN as the Designated Payee.

8.5.2.4 The purchase of Goods and/or Services from Authorised Retailers by Transfer Instructions via MOBILE MONEY of the amount to be transferred to the Authorised Retailer’s Account in settlement for the Goods and/or Services purchased.

8.5.2.5 Upon any Credit Transaction and Debit Transaction being affected the MOBILE MONEY System shall credit or debit your Account once the sum is actually credited to, withdrawn or transferred by you from your Account.

Any Transaction which is not concluded within 7 days of the Transfer Instructions first being given for that transaction will automatically be cancelled and an SMS notification sent via MOBILE MONEY of the cancellation shall be given to the Customer giving the Transaction Instructions.

The MOBILE MONEY System will confirm every Transaction made by way of SMS together with an updated balance of your Account.

Any Debit Transactions given using the PIN will be charged to the Account.

You acknowledge that, unless and until MTN receives notice from you that your PIN Secret Word, is no longer secure and/or that your Mobile Equipment has been lost or stolen, MTN may rely on the use of the PIN as conclusive evidence that a Debit Transaction has been authorized by you, even if it is actually made without your authority. MTN shall not require any written confirmation of any Transaction Instruction.

We are unable to reverse or charge-back any Transfer Instruction for any reason including in the event of any dispute with any other Customer or an Authorised Retailer. You are responsible for resolving any disputes arising with any other Customer or an Authorized Retailer without recourse to MOBILE MONEY.

Your Account may only be operated by the use of Agents/Retailers in the Republic of Uganda

Each Transaction will be issued with a unique receipt number that is included in the confirmation SMS sent to you with an updated balance of your Account.

This receipt number is used to track & identify all Transactions carried out on your Account.

A Transaction once completed is final and irrevocable. As such, MTN shall not be under any compulsion to reverse any Transaction.

Notwithstanding the above, MTN reserves the right, at its sole discretion, to cancel or reverse a Transaction if reasonable grounds such as manifest error or fraud are shown and PROVIDED that the recipient has not redeemed the Mobile Money and the reversal claim is made within seven (7) days of the erroneous Transaction date.

MTN will not be compelled to refund or compensate the sender if the Mobile Money is sent to a recipient mistakenly or in error or fraudulently or under duress and subsequently redeemed for Cash or otherwise spent by the recipient of the mistaken, erroneous or fraudulent Transaction and you hereby agree to hold MTN harmless for any losses arising from a mistaken, erroneous or fraudulent transfer of funds or any transfer of funds from your account effected under
duress or under coercion or criminal force.

SECURITY AND UNAUTHORISED USE

Only one PIN Number can be linked to your Account at any time.

Only you may use your Mobile Phone and PIN Number.

You are responsible for the safekeeping and proper use of your Mobile Equipment, for keeping your PIN, your Start Key and Secret Word and for all Transactions that take place on your account using your PIN.

Your Secret Word will be used to confirm your identity when you call the Call Centre, but must not disclose your PIN to any person including the staff at the Customer Care Centre.

YOUR RESPONSIBILITIES

You will be responsible for all applicable Charges at the applicable Tariffs for any Transaction effected including calls made on our Network using the Mobile Equipment whether those calls were made by you or someone else with or without your authority or knowledge.

You are solely responsible for any transmitted material and or communication, which is classified as defamatory, illegal or in breach of any copyright and shall indemnify and keep us indemnified against any claims and expenses made against us in respect thereof.

You must not use the MOBILE MONEY Services to commit any offence(s) contrary to the Laws of Uganda.

VARIATIONS

We reserve the right to vary at any time and without prior notice to you these Conditions of Use or the Tariffs. Variations will be notified by way of advertisement in a daily newspaper, SMS, or through our Website and or by using any other suitable means PROVIDED THAT you shall be deemed to have been notified of any such variations regardless that the same may not have actually come to your attention

By continuing to use the MOBILE MONEY Services you shall be deemed to have agreed to the variations contemplated in clause 11 above. If you do not accept any of the variations then you must not continue to effect any Transactions otherwise you will be deemed to have accepted such modifications.

TRUSTEE RESPONSIBILITY

The Trustee hereby declares that it holds all Payments received in respect of the Purchase of MOBILE MONEY or transfers of MOBILE MONEY into your Account (the "Trust Amounts") on trust for you and for your benefit and that you shall be beneficially entitled to all those Trust Amounts standing to the credit of your Account.

You agree that the Trustee may treat the records of the MOBILE MONEY System as conclusive evidence of the amount of MOBILE MONEY at any time standing to the credit of your Account and the Trustee is not bound to make any independent investigation of your beneficial entitlement to the Trust Amounts. You further acknowledge that, in relation to any payment to you in respect of your entitlement to Trust Amounts, we may act on instructions given by you using your PIN or instructions purported to be given by you using your PIN even if they are actually given by a third party.

You acknowledge that the Trustee shall have no obligation to invest the Trust Amounts other than by way of holding the same in the Trust Account.

You further acknowledge that, to the extent that any interest accrues on the Trust Amounts, you shall have no beneficial entitlement to such interest and the Trustee shall be entitled to retain such interest to defray its own costs and expenses and/or to pay the same to MTN towards the costs and expenses of operating the MOBILE MONEY System and/or to pay the same to such charitable cause(s) as the Trustee may in its absolute discretion determine.

LIABILITY AND EXCLUSIONS

In the event that we are compelled to change or reassign your telecommunications numbering to meet regulatory requirements or for any other reason our liability will be limited to retaining your Account and where possible, transferring your Account to a new MSIN, failing which you will be paid out the Credit Balance standing in your Account in cash.

To the maximum extent permissible by law we exclude warranties of all kinds, either express or implied.

All Agents are no more than independent outlets authorised by MTN or an approved MOBILE MONEY agent aggregator to provide MOBILE MONEY Services and no agency relationship exists between MTN and the Agents and we accordingly bear no responsibility or liability for any default or negligence on the part of the Agents in providing the MOBILE MONEY Services.

We shall not be liable for any loss which you suffer unless it is directly caused by our being negligent or deliberately acting wrongly. If we do act negligently or wrongly, we shall only be liable for the amount of the loss that a normal Customer in your position would have suffered and not any loss which results from your particular circumstances; even if we know that your circumstances are unusual.

MISCELLANEOUS

This Agreement (as from time to time may be amended) forms a legally binding agreement binding on you and your personal successors and assigns.

This Agreement may not be assigned to any other person.

No failure or delay by either of us in exercising any right or remedy hereunder shall operate as a waiver thereof, nor shall any single or partial exercise of any right or remedy prevent any further or other exercise thereof or the exercise of any other right or remedy.

The rights and remedies herein provided are cumulative and not exclusive of any rights or remedies provided by law.

If any provision of these Conditions of Use shall be found by any duly appointed arbitrator, court or administrative body of competent jurisdiction to be invalid or unenforceable the invalidity or unenforceability of such provision shall not affect the other provisions herein and all provisions not so affected by such invalidity or unenforceability shall remain in full force and effect.

STATEMENTS

You may obtain a balance enquiry from your Mobile Equipment and query any transactions effected using your Mobile Equipment and Secret Word at the Customer Call Centre.

Printed statements of your Account will not be provided.

We will close your Account on receiving a request from you.

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

NOTICES

We are entitled to send information to you via SMS to the contact Mobile Phone number supplied on your application form. These SMS’s are for information purposes only.

You should send any legal notice to us at our chosen address: MTN Uganda Limited P.O. Box 24624, Kampala, Plot 1-4 Wampewo Avenue, Kololo Kampala or Plot 69-71 Jinja Road, Kampala

GENERAL

You must pay all our expenses in recovering any amounts you owe us including legal fees, collection fees and tracing fees.

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.

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 or statute.

You must notify us immediately of any change of your details in your Registration Form.

You agree that your information, including your personal information, your conversations with our Customer Care Centre and your Transactions will be recorded and stored for record keeping purposes for 7 years from date of closure of your Account.

All copyright, trademarks and other intellectual property rights used as part of the MOBILE MONEY Services or contained in our documents are owned by MTN or its licensors. You agree that you acquire no rights thereto.

JURISDICTION AND ARBITRATION

This Agreement is governed by Ugandan Law.

Any dispute arising out of or in connection with this Agreement shall be referred to arbitration by a single arbitrator to be appointed by agreement between the parties or in default of such agreement within 60 days of the notification of a dispute, upon the application of either party, by the Judge in charge for the time being of the High Court (Commercial Division) of Uganda. Such arbitration shall be conducted in Kampala in accordance with the Rules of Arbitration subject to and in accordance with the provisions of the Arbitration Act, Cap 4 or its successor legislation

To the extent permissible by Law, the determination of the Arbitrator shall be final, conclusive and binding upon the parties hereto.

Nothing shall prevent the parties hereto from seeking any relief from a court of competent jurisdiction in Uganda and or any other relevant regulatory body.

PRIVACY POLICY

MTN recognizes the importance of protecting the privacy of all information provided by users of Mobile Money Services.

This statement is meant to affirm our utmost respect for your rights to privacy.

MTN collects personally identifiable information that we use to profile Mobile Money Service Users and administer individual MOBILE MONEY accounts, update MOBILE MONEY databases, and provide User support.

Save as provided hereunder, MTN does not share your personal information with unauthorized persons and adequate safeguards have been put in place to prevent unauthorized access and to ensure confidentiality of your personal information.

You acknowledge that by using the MOBILE MONEY Services, some of your personal information will be passed on to any person whom you receive Mobile Money from, or send Mobile Money to and will be available to any third party involved in the operation of the service including without limitation, MOBILE MONEY Cash Merchants, ATM Switch providers and Ericsson AB (as vendors of the MOBILE MONEY transfer technology platform). You hereby authorize MTN to share with, provide or disclose to third parties with which you have separately contracted or with which you intend to contract (and have informed MTN of this intention in writing or electronically through the MOBILE MONEY System or any other platform), your personal information including any Transaction data, information pertaining to you or your MOBILE MONEY Account, or your usage of MTN Products and Services provided that the authority given to MTN to disclose information to such third parties (not being a law enforcement, investigative or regulatory authority) pursuant to this clause may be withdrawn at any time.

You acknowledge that MTN may verify your identity information through publicly available and/or restricted government databases in order to comply with regulatory requirements.

You accept that MTN shall have the right to monitor your account usage and may disclose personal information to local law enforcement or investigative agencies or any competent regulatory or governmental agencies to assist in the prevention, detection or prosecution of money laundering activities, fraud or other criminal activities;

MTN employees who handle personal information are under an obligation to treat it confidentially and may not disclose it to unauthorized third parties. MTN employees are also responsible for the internal security of the information

Employees who violate MTN’s privacy policies are subject to a range of disciplinary actions.

Any person submitting any information to MTN through the MOBILE MONEY System may be granted access rights to that information. MTN has developed systems that enable access and correction of information submitted to it.

Note: Please note that a Summary of the Mobile Money Services terms and conditions is available at the Mobile Money Agents outlets, All MTN Service Centers MTN’s head office and the MTN Website located at www.mtn.co.ug and is printed on the back of the registration form.

These Terms and Conditions relate to the refreshed Data Bundles without expiry from MTN Uganda. Customers who use these bundles will be deemed to have read, understood, and consented to these terms and conditions before claiming any such benefit. All users agree to be bound by the following terms and conditions:

There are two categories of such data bundles without expiry:

These are permanent Data Offers.

Users are required to possess the MTN USIM to enjoy the 4G Freedom Data Bundles. In the absence of the USIM, they are limited to the use of the “Other Freedom Bundles only.

Whereas customers are free to buy the “Other Freedom Bundles using airtime or mobile money, payment for the 4G Freedom bundles is limited to MTN Mobile Money.

Purchasing the 4G Freedom Bundles is restricted to the MyMTN and MoMo Apps only. The “Other Freedom Bundles remain available through the same channels as well as the *150*6# USSD menu.

To check the total data balance, customers will dial *131*4#

MTN will support this offer with marketing support at the points of sale with merchandise and point of sale communication.

This offer is restricted to the prepaid customers.

By benefitting from this offer, customers permit MTN to use their voices, pictures, and life stories to be used in MTN’s marketing communication for the period of 12 months from the time the service was activated for them.

MTN shall bear no responsibility for any harm and/or losses occasioned them from the use of the given data.

Information regarding the campaign that is published on authorized advertising material will also form part of the terms and conditions of the campaign.

MTN may in their sole discretion amend these terms and conditions at any time, without notice.

MTN’s decision is final and no correspondence will be entered.

Benefitting customers will receive SMS and/or telephone notifications from time to time from MTN Uganda.

Any additional products or services not included in the offered data but required by the customer for a fulfilling a desired user experience, will need to be arranged and paid for separately.

If for any reason any aspect of this campaign is not capable of running as planned, including by reason of infection by computer virus, network failure, bugs tampering, unauthorized intervention, fraud, technical failures, or any cause beyond the control of Synergy which corrupts or affects the administration, security, fairness, integrity or proper conduct of this bundled offer, MTN in its sole discretion may cancel, terminate, modify or suspend the offer, or invalidate any affected entries, subject to the approval of the local regulator.

MTN will not be liable for any loss (including, without limitation, indirect, special, or consequential loss or loss of profits), expense, damage, personal injury, or death which is suffered or sustained (whether or not arising from any person’s negligence) in connection with this offer, except for any liability which cannot be excluded by law (in which case that liability is limited to the minimum allowable by law).

MTN reserves the right to change the duration of the campaign at any time.

Subject to confirmation, this offer cannot necessarily be used in conjunction with any other existing promotions.

These Terms and Conditions apply to the MTN Pay Mpola Mpola Product. All MTN customers who embrace the MTN Pay Mpola Mpola Product will be deemed to have appraised themselves with, understood, and consented to these terms and conditions before making any claim to the benefits of this Product. All participating customers agree to be bound by the following terms and conditions without exception:

The MTN Pay Mpola Mpola Product is a digital product which allows prequalified MTN customers to purchase selected devices from MTN with a manageable initial payment, the balance paid in multiple monthly instalments thereafter.

These devices may be bundled with other MTN services like Data, SMS, Minutes from time to time.

Every eligible customer is entitled to one Device Financing facility at a time.

The prequalified customers who opt to take up the MTN Pay Mpola Mpola Product will be required to make a pre-determined initial deposit and pay the balance over a repayment period of up to 6 months. The pricing details will be published at the points of sale from time to time.

MTN reserves the right to prequalify customers for MTN Pay Mpola Mpola based on, among other attributes, their usage behaviour and consumption of all the MTN Services. The customers’ age on the network will also play a key factor in determining eligibility.

• As part of pre-qualification for MTN Pay Mpola Mpola, the customer must generally be an existing MTN customer who has actively used MTN MoMo for at least 6 months. The customer’s KYC documents must be fully verified.

To confirm eligibility for MTN Pay Mpola Mpola, customers will dial *165*5*2#.

MTN will refresh the list of devices available for MTN Pay Mpola Mpola from time to time. The options available will always be visible on the *165*5*2# menu.

All handsets purchased through MTN Pay Mpola Mpola will be covered under the manufacturer’s warranty. In the unlikely event that the received device is defective, it must be returned to the MTN Service Centre from where it was purchased within 48 hours to the MTN Service Centre.

The devices under MTN Pay Mpola Mpola will not be insured by MTN. However, desirous customers are encouraged to pursue personal insurance of the insurance service is so required.

After confirming eligibility through the *165*5# menu, customers will be required to visit an MTN Service Centre, with the required initial deposit plus their original national ID, to have their MTN Pay Mpola Mpola Request processed.

All payments and instalment payments for devices purchased through MTN Pay Mpola Mpola will be made through MTN Mobile Money.

Outstanding payments can be viewed through the *165*5*2# menu at any time.

Whereas early instalment payments are permissible and free of charges, they do not fetch a relieve on the payment due.

Late payments, on the other hand, will command a surcharge.

• • Customers who default for 33-37 days will pay a surcharge of Shs 500.

  • Customers who default for 38-45 days will pay a surcharge of Shs 1,000.

  • Customers who default for 46 days and beyond will pay a surcharge of Shs 2,000.

In cases of payment defaults, the MTN systems will automatically deduct money from the Customer’s Mobile Money Wallet to offset the required payment.

Failure to pay the required installments will lead to the blocking of all services on the device until payment is made.

Severe defaulting may be reported to the Credit Reference Bureau of Uganda.

All taxes payable by the purchasing customer under the MTN Pay Mpola Mpola have been factored into the product.

MTN will support the MTN Pay Mpola Mpola Product with marketing support at the points of sale with merchandise and point of sale communication.

Under no circumstances shall MTN convert any of the offered services under Device Financing into cash or any other MTN service preferred by the customer.

By benefiting from MTN Pay Mpola Mpola, customers permit MTN to use their voices, pictures and life stories to be used in MTN’s marketing communication for the period of 12 months from the time the service was activated for them.

MTN shall bear no responsibility for any harm and/or losses occasioned them from the use of the given products and services under the MTN Pay Mpola Mpola Product.

Information regarding the campaign that is published on authorized advertising material will also form part of the terms and conditions of the campaign.

MTN may in their sole discretion amend these terms and conditions at any time, without notice.

All MTN’s decisions in all matters relating to MTN Pay Mpola Mpola shall be final. MTN is under no obligation to engage in any correspondence.

MTN Pay Mpola Mpola Customers will receive SMS and/or telephone notifications from time to time from MTN Uganda.

Any additional products or services not included in the MTN Pay Mpola Mpola Package, but required by the customer for a fulfilling a desired user experience will need to be arranged and paid for separately.

If for any reason, any aspect of the MTN Pay Mpola Mpola Product is not capable of running as planned, including by reason of infection by computer virus, network failure, bugs tampering, unauthorized intervention, fraud, technical failures, or any cause beyond the control of Synergy which corrupts or affects the administration, security, fairness, integrity or proper conduct of this bundled offer, MTN in its sole discretion may cancel, terminate, modify or suspend the offer, or invalidate any affected entries, subject to the approval of the local regulator.

MTN will not be liable for any loss (including, without limitation, indirect, special or consequential loss or loss of profits), expense, damage, personal injury or death which is suffered or sustained (whether or not arising from any person’s negligence) in connection with MTN Pay Mpola Mpola, except for any liability which cannot be excluded by law (in which case that liability is limited to the minimum allowable by law).

Subject to confirmation, MTN Pay Mpola Mpola cannot necessarily be used in conjunction with any other existing MTN Products, Services and Promotions.

MTN Dabolo 4G is a promotion where all prepaid MTN customers will get twice as much data when they buy any Daily Data bundle.

This is a 2020 Dabolo Promotion, all prepaid MTN customers will get twice as much data when they buy any Daily Data bundle at the same unchanged customer price starting 5th October 2020 up till 15th November 2020.

To qualify for the double, the participating customers must have an MTN 4G SIM card.

To confirm that one has the correct (4G) SIM card to benefit from the offer, customers can choose the relevant option when they dial *150*10# to buy MTN Data or they can dial *150*15#

Upgrading to the 4G SIM card is free for all customers who presently do not have the 4G SIM Card. Such customers can visit any MTN Shop for a free upgrade.

Customers are free to buy as many of the above bundles as they want, and in each case, bonus data will be given.

The data offer will be automated in the MTN systems. No specific further action is required of the customer beyond simply buying a daily validity data bundle.

In the “buy for other scenarios” the beneficiary will not get the bonus data if they do not have the required 4G SIM card.

The MyPakapaka data bundles, nightshift bundles, Tooti bundles, social bundles, Go! Bundles, the quarterly data bundles, and the unlimited data bundle packs are exempted from this offer.

The bonus data will be valid for the same 24 hours as the primary data bundle purchased.

The bonus data cannot be shared.

To check the total data balance, customers will dial *131*4#

MTN will support this offer with marketing support at the points of sale with merchandise and point of sale communication.

This offer is restricted to only prepaid customers.

Under no circumstances shall MTN convert the offered data into cash or any other MTN service preferred by the customer.

By benefitting from this offer, customers permit MTN to use their voices, pictures, and life stories to be used in MTN’s marketing communication for a period of 12 months from the time the service was activated for them.

During the course of this promotion, the bundles that qualify for the Bonus will not be reversed into Airtime or MoMo in case the customer activated these bundles in error

MTN shall bear no responsibility for any harm and/or losses occasioned them from the use of the given data.

Information regarding the campaign that is published on authorized advertising material will also form part of the terms and conditions of the campaign.

MTN may in their sole discretion amend these terms and conditions at any time, without notice.

MTN’s decision is final and no correspondence will be entered.

Benefitting customers will receive SMS and/or telephone notifications from time to time from MTN Uganda.

Any additional products or services not included in the offered data but required by the customer for a fulfilling a desired user experience will need to be arranged and paid for separately.

If for any reason any aspect of this campaign is not capable of running as planned, including by reason of infection by computer virus, network failure, bugs tampering, unauthorized intervention, fraud, technical failures, or any cause beyond the control of Synergy which corrupts or affects the administration, security, fairness, integrity or proper conduct of this bundled offer, MTN in its sole discretion may cancel, terminate, modify or suspend the offer, or invalidate any affected entries, subject to the approval of the local regulator.

MTN will not be liable for any loss (including, without limitation, indirect, special or consequential loss or loss of profits), expense, damage, personal injury, or death which is suffered or sustained (whether or not arising from any person’s negligence) in connection with this offer, except for any liability which cannot be excluded by law (in which case that liability is limited to the minimum allowable by law).

MTN reserves the right to change the duration of the campaign at any time.

Subject to confirmation, this offer cannot necessarily be used in conjunction with any other existing promotions.

TERMS AND CONDITIONS FOR THE OPENING AND USE OF THE MOKASH ACCOUNT

1. 1. This Agreement sets out the complete Terms and Conditions (hereinafter called “these Terms and Conditions”) which shall be applicable to the MoKash Account (as hereinafter defined) opened by you (as hereinafter defined) with the Bank (as hereinafter defined).

1. 2. These Terms and Conditions and any amendments or variations thereto take effect on their date of publication.

1. In these Terms and Conditions the following words and expressions (save where the context requires otherwise) bear the following meanings:

2. “MoKash Account” means a bank account held by a Customer with the Bank including Fixed Savings account and which is opened and operated in accordance with the terms and conditions herein contained;

2. “Fixed Savings Account” means a Savings account held by a Customer with the Bank and which is opened and operated in accordance with these Terms and Conditions;

3. “Auto Savings” means a transaction requested by the MoKash customer to transfer a predefined amount of e-money from the MTN Mobile Money account to the customer’s MoKash Account on predefined dates and with pre-defined frequencies.

4. “Bank” means Commercial Bank of Africa Uganda Limited incorporated in Uganda with limited liability, duly incorporated in accordance with the laws of the Republic of Uganda, having its registered address at TWED Towers, Plot 10 Kafu Road Nakasero P.O Box 74827 Kampala Uganda hereinafter referred to as “CBA”.

5. “Credit Reference Bureau” means a credit reference bureau duly licensed under the Banking Act pursuant to the Banking (Credit Reference Bureau) Regulations, 2008 to inter alia, collect and facilitate the sharing of customer credit information;

6. “Customer” means the person in whose name the MoKash Account with the Bank is existing;

7. “Customer Care Centre” means any MTN UGANDA Retail Shops or such other retail outlets or outlets as may be notified to the Customer by the Bank from time to time;

8. “E-Money” means the electronic monetary value depicted in your MTN UGANDA Mobile Money Account representing an equal amount of cash;

9. “Equipment” includes your mobile phone handset, SIM Card and/or other equipment which when used together enables you to access the Network;

10. “NSIS” means the National Security Information System set up and maintained by the Government of Uganda under the Ministry of Internal Affairs;

11. “Fixed Savings Account System Menu” means the menu for operating the Fixed Savings Account that shall be accessible through the Fixed Savings System.

12. “Fixed Savings Account System” means the Unstructured Supplementary Service Data System or the MoKash System functionality through which the Customer on the Network may use to operate the Fixed Savings Account and instruct the Bank.

13. “Lock Period” means such minimum period of time not less than one (1) month and not exceeding six (6) months, or such other period communicated by the Bank from time to time in which the Customer requires that the Principal Amount be kept in the Fixed Savings Account and during which period the Principal Amount will not be available to the Customer subject to the provisions of these terms and conditions).

14. “MoKash Menu” means the MoKash Menu on the MTN UGANDA mobile money System;

15. “MTN UGANDA MOBILE MONEY Account” means your mobile money store of value, being the record maintained by MTN UGANDA of the amount of E- Money from time to time held by you in the MTN UGANDA MOBILE MONEY System;

16. “MTN UGANDA MOBILE MONEY Service” means the money transfer and payments service provided by MTN UGANDA through the MTN UGANDA MOBILE MONEY System;

17. “MTN UGANDA MOBILE MONEY System” means the system operated by MTN UGANDA in Uganda for the provision of the MTN UGANDA MOBILE MONEY Service using the Network;

18. “MTN UGANDA MOBILE MONEY PIN” means your personal identification number being the secret code used to access and operate the MTN UGANDA MOBILE MONEY System and your MoKash Account;

19. “MTN UGANDA MOBILE MONEY Subscriber” means any person registered to use the MTN UGANDA MOBILE MONEY System to send or receive money or make payments;

20. “Network” means the mobile cellular network operated by MTN UGANDA in Uganda;

21. “Request” means a request or instruction received by the Bank from you or purportedly from you through the Network and the System and upon which the Bank is authorized to act;

22. “MTN UGANDA ” a limited liability company incorporated in Uganda with registered offices at MTN Towers, Plot 22 Hannington Road, P.O. Box 24624, Kampala, Uganda;

23. “Services” shall include any form of banking services or products that the Bank may offer you pursuant to this Agreement and as you may from time to time subscribe to and “Service” shall be construed accordingly;

24. “SIM Card” means the subscriber identity module which when used with the appropriate mobile phone handset enables you to access the Network and to use the MTN UGANDA MOBILE MONEY System;

25. “SMS” means a short message service consisting of a text message transmitted from one mobile phone to another;

26. “System” means the Bank’s electronic banking and communications software enabling the Customer to communicate with the Bank for purposes of the Services. The System and the Services will for the purpose of this Agreement be accessed through the MTN Uganda Mobile Money System;

27. “Transaction Fees” includes the Facility Fee (as defined at clause 5.2.6), the Rollover Fee (as defined at clause 5.2.9) and any other fees and charges payable for the use of the Services as published by the Bank on the Bank’s website and/or MTN UGANDA’s website and/or the daily newspapers in Uganda or by such other means as the Bank shall in its sole discretion determine. Transaction Fees are subject to change at any time at the Bank’s sole discretion;

28. “We,” “our,” and “us,” means the Bank and includes the successors and assigns of the Bank;

29. “You” or “your” means the Customer and includes the personal representatives of the Customer;

30. The word “Customer” shall include both the masculine and the feminine gender as well as juristic persons;

31. Words importing the singular meaning where the context so admits include the plural meaning and vice versa.

32. Headings in these Terms and Conditions are for convenience purposes only and they do not affect the interpretation of this Agreement.

1. Before applying to open the MoKash Account via the MTN UGANDA MOBILE MONEY System you should carefully read and understand these Terms and Conditions which will govern the use and operation of the MoKash Account.

2. If you do not agree with these Terms and Conditions, please click “Decline” on the MoKash Menu.

3. You will be deemed to have read, understood and accepted these Terms and Conditions:-

1. 1. upon clicking on the “Accept” option on the MoKash Menu requesting you to confirm that you have read, understood and agreed to abide with these Terms and Conditions; and/or

1. 2. by using or continuing to use and operate the MoKash Account.

4. By applying to open the MoKash Account with the Bank, you agree to comply with and be bound by these Terms and Conditions for the time being and from time to time in force governing the operation of the MoKash Account and you affirm that these Terms and Conditions herein are without prejudice to any right that the Bank may have with respect to the MoKash Account in law or otherwise.

5. These Terms and Conditions may be amended or varied by the Bank from time to time and the continued use of your MoKash Account constitutes your agreement to be bound by the terms of any such amendment or variation.

6. You acknowledge and accept that the Bank offers the MoKash Account only electronically and you agree to do business with the Bank and to operate the MoKash Account only by electronic means via the MoKash Menu on the MTN UGANDA MOBILE MONEY System. Any query and complaint you may have relating to the Services shall be addressed to the Bank through the MTN Customer Care Centre. For the avoidance of doubt, you acknowledge and accept that you will not be allowed or entitled to receive or demand the Services pertaining to the MoKash Account at any branch or branches of the Bank unless otherwise advised by the Bank in its sole discretion. You further acknowledge and accept that the Customer Care Centre is not a branch of the Bank or the Bank’s Agent for purposes of conducting banking business or transactions and that it will not act as such.

1. 1. In order to open a MoKash Account including the Fixed Savings account with the Bank, you must be at least 18 years old and a registered and active MTN UGANDA MOBILE MONEY Subscriber. The Bank reserves the right to verify with MTN UGANDA the authenticity and status of your MTN UGANDA MOBILE MONEY Account.

1. 2. You may open a MoKash Account solely by way of an electronic application made by you using your Equipment via the MoKash Menu on the MTN UGANDA MOBILE MONEY System.

1. 3. You hereby agree and authorize the Bank to request MTN UGANDA for your personal information held by MTN UGANDA pursuant to the agreement between you and MTN UGANDA for the provision of MTN UGANDA’s services and products and the M MTN UGANDA MOBILE MONEY Service including your phone number, name, date of birth, ID or Passport Number and such other information that will enable the Bank to identify you and comply with the regulatory “Know Your Customer” requirements (together the “Personal Information”). You also hereby agree and authorize the Bank to request MTN UGANDA for information relating to your use of the MTN UGANDA MOBILE MONEY Service and MTN UGANDA MOBILE MONEY System as the Bank shall require for purposes of providing you the Services (“MTN UGANDA MOBILE MONEY Information”). You hereby consent to the disclosure of the Personal Information and the MTN UGANDA MOBILE MONEY Information by MTN UGANDA to the Bank and to the aforesaid use of the Personal Information and the MTN UGANDA MOBILE MONEY Information by the Bank.

1. 4. You hereby agree and authorize the Bank to obtain and procure your Personal Information contained in the NSIS from the Government of Uganda; and you further agree and consent to the disclosure and provision of such Personal Information by the Government of Uganda to the Bank.

1. 5. You hereby further acknowledge and authorize the Bank to verify your Personal Information received from MTN UGANDA pursuant to Clause 4.3 against the information received from the Government of Uganda in your respect as contained in the NSIS.

1. 6. The Bank reserves the right to request for further information from you pertaining to your application for a MoKash Account at any time. Failure to provide such information within the time required by the Bank may result in the Bank declining to accept your application for a MoKash Account.

1. 7. Acceptance by the Bank of your application for a MoKash Account shall be done via SMS sent to the MTN UGANDA Mobile Phone Number associated with your MTN UGANDA MOBILE MONEY Account. You acknowledge and accept that the acceptance by the Bank of your application for a MoKash Account does not create any contractual relationship between you and MTN UGANDA beyond the terms and conditions that apply to your MTN UGANDA MOBILE MONEY Account from time to time.

1. 8. The Bank reserves the right to decline your application for a MoKash Account or to revoke the same at any stage at the Bank’s sole discretion and without assigning any reason thereto.

As a holder of a MoKash Account, you will be entitled, subject to these Terms and Conditions, to operate a MoKash deposit /savings account (hereinafter the “MoKash Deposit Account”) into which you may transfer money from your MTN UGANDA MOBILE MONEY Account and/or make withdrawals therefrom into your MTN UGANDA MOBILE MONEY Account, and/or to borrow money from the Bank as follows:

1. 1. 1. As a holder of the MoKash Account, you may make deposits into or withdrawals from your MoKash Deposit Account using the MoKash Menu on your Equipment. The transaction fees payable to MTN UGANDA for transactions effected in respect of your MoKash Account from time to time will apply to any transactions effected in respect of your MoKash Account using the MTN UGANDA MOBILE MONEY System.

1. 1. 2. As a holder of the MoKash Account, you may make deposits into from your MoKash Deposit Account using the Auto Savings functionality available on your MoKash Menu on your Equipment. We solely rely on the information you provide to effect the transfers using the amounts, dates and frequencies stated and neither the Bank nor MTN Uganda are liable for the information provided.

1. 1. 3. transaction fees payable to MTN UGANDA for transactions effected in respect of your MoKash account from time to time will apply to any transactions effected in respect of your MoKash Account using the MTN UGANDA MOBILE MONEY System.

      4. Interest may be paid on the MoKash Deposit Account at periodic intervals as determined by the Bank and/or upon respective maturity dates of such deposits at such rate as may be determined by the Bank.

5. 2. 1. As a holder of the MoKash Account, you may, subject to these Terms and Conditions, apply for a loan from the Bank using the MoKash Menu on your Equipment.

5. 2. 2. Where you apply for a loan from the Bank, your application shall be appraised according to the applicable loan appraisal processes of the Bank. The Bank reserves the right at its sole discretion and without assigning any reason to approve or decline your application for a loan.

5. 2. 3. Subject to approval of your application for a loan the Bank shall disburse to you a loan of an amount to be determined by the Bank in its sole discretion subject to a minimum amount of Uganda Shillings Three Thousand (UGX 3,000/=) and a maximum amount of Uganda Shillings One Million (UGX 1,000,000) or such other minimum or maximum amount as the Bank may from time to time in its sole discretion determine (the “Loan”).

5. 2. 4. The proceeds of the Loan shall be credited into your MTN UGANDA MOBILE MONEY Account subject to any deductions on account of applicable Transaction Fees.

5. 2. 5. You shall repay the Loan within thirty (30) calendar days of the date of disbursement of the Loan.

5. 2. 6. In consideration of the Bank granting you the Loan, you shall pay the Bank a facility fee being 9% of the Loan amount (the “Facility Fee”). The Facility Fee shall be paid by you in arrears in addition to the Loan.

5. 2. 7. You shall make all payments due from you to the Bank in respect of the Loan and Transaction Fees using the MTN UGANDA MOBILE MONEY Service and the System only unless otherwise agreed by the Bank in its discretion.

5. 2. 8. In the event that you do not repay the Loan in full within thirty (30) calendar days of the date of disbursement of the Loan, the Bank will automatically roll over any outstanding amount in respect of the Loan including the Facility Fee for a further period of thirty (30) calendar days.

5. 2. 9. In consideration of the Bank forbearing to demand the immediate payment of the outstanding amount due in respect of your Loan and rolling over the same pursuant to Clause 5.2.8, you shall, in addition to paying the outstanding amount in respect of the Loan any outstanding Facility Fee, pay to the Bank a roll-over fee being 9% of the outstanding amount in respect of the Loan (the “Roll-Over Fee”).

5. 2. 10. The Bank shall be entitled to terminate this Agreement and close your MoKash Account in accordance with the provisions of Clause 13 without prejudice to any of its rights accruing hereunder if you fail to repay the Loan and/or the Transaction Fees due thereon within sixty (60) calendar days of the disbursement of the Loan.

5. 2. 11. The Bank shall hold your funds in your MoKash Deposit Account as collateral and security for any amounts outstanding and due from you to the Bank in respect of your MoKash Loan Account. You hereby agree and confirm that the Bank is entitled in its discretion to prevent or restrict you from withdrawing in whole or in part the funds in your MoKash Deposit Account for so long as and to the extent of the amount outstanding in respect of your MoKash Loan Account without the Bank giving any notice to you and/or without incurring any liability to you whatsoever in that connection.

5. 2. 12. The Bank reserves the right to vary the terms of the Loan including the fees payable thereon from time to time having regard to the prevailing rules and regulations of Bank of Uganda and the policies of the Bank.

5. 2. 13. The Bank shall have a right of lien and set off over funds held by you in your MoKash Deposit Account, any other MoKash Account held by you and/or any other account held by you in the Bank.

5. 2. 14. The Bank, in partnership with MTN shall have a right of lien and set off over funds held by you in your MTN Mobile Money account.

5. 2. 15. You hereby expressly consent and authorize the Bank to disclose, respond, advise exchange and communicate the details or information pertaining to your MoKash Account to Credit Reference Bureaus as required under the Banking Act.

1. In order to use the Fixed Savings Account with the Bank, you must be a registered MTN Uganda subscriber, a MoKash Account holder and you must have activated your Fixed Savings Account in accordance with this clause 5.3.

2. All instructions to the Bank to activate, manage and operate the Fixed Savings Account and to move money to and from your MoKash Account for purposes of the Fixed Savings Account shall be made electronically through the Fixed Savings System Menu.

3. To activate your Fixed Savings Account, you must select the Open Fixed Savings option, or such other option made available for that purpose on the Fixed Savings System Menu, and transfer the Principal Amount from your regular MoKash Account to the Fixed Savings Account.

4. Upon activation and successful transfer of the Principal Amount to the Fixed Savings Account, you will receive an SMS confirming activation, the Principal Amount and the Lock Period.

5. Subject to this clause 5.3 you will be required to maintain the Principal Amount for the duration of the Lock Period during which period such Principal Amount shall be unavailable for use.

6. At the end of the Lock Period, the Bank will credit your regular MoKash Account with the Principal Amount and the Interest accrued.

7. Without prejudice to the foregoing, you may add more funds to the Fixed Savings Account and set a different lock period. Such funds may be accessible at the end of such lock periods or in accordance with the provisions of clause 5.3 of these Terms and Conditions.

8. Any query and complaint you may have relating to the Fixed Savings Account shall be addressed to the Bank through MTN Uganda Customer Care Centre or Retail Shops.

9. Subject to the provisions of this clause 5.3, you may access the Principal Amount before the end of the Lock Period.

10. In order to access the Principal Amount before the end of the Lock Period the Customer shall Request the Bank through the Fixed Savings System Menu by selecting the withdraw funds option or such other option made available on the Fixed Savings System Menu for that purpose (hereinafter in referred to as “Withdraw Funds”).

11. The Bank will credit your regular MoKash Account with the Principal Amount and the Interest accrued up to the point of withdrawing funds after forty eight (48) hours from the time in which the Customer makes a Withdraw Funds request in accordance with this Clause.

12. Upon the successful completion of the withdraw funds Request, you will be informed by way of an SMS from the Bank that the Principal Amount and the Interest accrued to date have been transferred to your regular MoKash Account.

13. Subject to clause 5.3.16 below, you may check the balance of the funds in your Fixed Savings Account by way of the Check Balance option or such other option made available for that purpose on the Fixed Savings System Menu using your Equipment. You will receive a USSD System pop up message or an SMS disclosing the balance in your Fixed Savings Account.

1. 1. You hereby agree to pay all Transaction Fees payable in connection with your use of the Services.

1. 2. You shall pay to the Bank and the Bank is entitled deduct from your MoKash Account (without reference to you):

1. 1. 1. any Transaction Fees payable in respect of the Services;

1. 1. 2. any legal charges including advocate and client costs incurred by the Bank in obtaining legal advice in connection with your M- Shwari Account and your dealings with the Bank or incurred by the Bank in any legal, arbitration or other proceedings arising out of any dealings in respect of your MoKash Account; and

1. 1. 3. all other fees, expenses and taxes, duties, impositions and expenses incurred in complying with your Requests.

   3. You hereby agree to pay costs charges and expenses incurred by the Bank in obtaining or attempting to obtain payment of any loan owed under your MoKash Loan Account.

1. 1. You may request for a statement or activity report in respect of your MoKash Account from the Bank using your Equipment (“MoKash Mini Statement”).

1. 2. A MoKash Mini Statement shall provide details of the last 5 (five) transactions (or such other number of transactions as determined by the Bank) in your MoKash Account initiated from your Equipment.

1. 3. An MoKash Mini Statement shall not be sent to you in printed form but shall be delivered to you either by SMS to the MTN UGANDA Mobile Phone Number associated with your MTN UGANDA MOBILE MONEY Account or such other electronic means as the Bank may in its discretion determine. You shall be responsible for the payment of any charges levied by MTN UGANDA in delivering the MoKash Mini Statement to you.

1. 4. You may obtain printed MoKash Mini Statements or a printed bank statement pertaining to your MoKash Account from the MTN Uganda Customer Care Centre. You shall be responsible for the payment of any charges levied by the Customer Care Centre for such printed statements.

1. 5. Save for a manifest error, a MoKash Mini Statement or bank statement issued to you aforesaid in respect of your MoKash Account shall be conclusive evidence of the transactions carried out on your MoKash Account for the period covered in the MoKash Mini Statement and/or bank statement.

1. 1. You hereby irrevocably authorize the Bank to act on all requests received by the Bank from you (or purportedly from you) through the System and to hold you liable in respect thereof, notwithstanding that any such requests are not authorized by you or are not in accordance with any existing mandates given by you.

1. 2. If you request the Bank to cancel any transaction or instruction after a request has been received by the Bank from you, the Bank may at its absolute discretion cancel such transaction or instruction but shall have no obligation to do so.

1. 3. The Bank shall be entitled to accept and to act upon any request, even if that request is otherwise for any reason incomplete or ambiguous if, in its absolute discretion, the Bank believes that it can correct the incomplete or ambiguous information in the request without any reference to you being necessary.

1. 4. The Bank is authorized to effect such orders in respect of your MoKash Account as may be required by any court order or competent authority or agency under the applicable laws.

1. 5. In the event of any conflict between any terms of any request received by the Bank from you and these Terms and Conditions, these Terms and Conditions shall prevail.

1. 1. You shall at your own expense provide and maintain in safe and efficient operating order your Equipment necessary for the purpose of accessing the System and the Services.

1. 2. You shall be responsible for ensuring the proper performance of your Equipment. The Bank shall neither be responsible for any errors or failures caused by any malfunction of your Equipment, and nor shall the Bank be responsible for any computer virus or related problems that may be associated with the use of the System, the Services and the Equipment. You shall be responsible for charges due to any service provider providing you with connection to the Network and the Bank shall not be responsible for losses or delays caused by any such service provider.

1. 3. You shall follow all instructions, procedures and terms contained in these Terms and Conditions and any document provided by the Bank concerning the use of the System and Services.

1. 4. You agree and acknowledge that you shall be solely responsible for the safekeeping and proper use of your Equipment and for keeping your MTN UGANDA MOBILE MONEY PIN secret and secure. You shall ensure that your MTN UGANDA MOBILE MONEY PIN does not become known or come into possession of any unauthorized person. The Bank shall not be liable for any disclosure of your MTN UGANDA MOBILE MONEY PIN to any third party and you hereby agree to indemnify and hold the Bank harmless from any losses resulting from any MTN UGANDA MOBILE MONEY PIN disclosure.

1. 5. You shall take all reasonable precautions to detect any unauthorized use of the System and the Services. To that end, you shall ensure that all communications from the Bank are examined and checked by you or on your behalf as soon as practicable after receipt by you in such a way that any unauthorized use of and access to the System will be detected.

1. 6. You shall immediately inform the Bank through the Customer Care Centre in the event that:

1. 1. 1. You have reason to believe that your MTN UGANDA MOBILE MONEY PIN is or may be known to any person not authorized to know the same and/or has been compromised; and/or

      2. You have reason to believe that unauthorized use of the Services has or may have occurred or could occur and a transaction may have been fraudulently input or compromised.

9. 7. You shall at all times follow the security procedures notified to you by the Bank from time to time or such other procedures as may be applicable to the Services from time to time. You acknowledge that any failure on your part to follow the recommended security procedures may result in a breach of your MoKash Account’s confidentiality. In particular, you shall ensure that the Services are not used or Requests are not issued or the relevant functions are not performed by anyone other than a person authorized to do so.

9. 7. You shall not at any time operate or use the Services in any manner that may be prejudicial to the Bank.

1. 1. The Bank shall not be responsible for any loss suffered by you should the Services be interfered with or be unavailable by reason of (a) the failure of any of your Equipment, or (b) any other circumstances whatsoever not within the Bank’s control including, without limitation, force majeure or error, interruption, delay or non- availability of the System, terrorist or any enemy action equipment failure, loss of power, adverse weather or atmospheric conditions, and failure of any public or private telecommunications system.

1. 2. The Bank will not be liable for any losses or damage suffered by you as a result of or in connection with:-

1. 1. 1. Unavailability of sufficient funds in your MTN UGANDA MOBILE MONEY Account and/or in your MoKash Account;

1. 1. 2. failure, malfunction, interruption or unavailability of the System, your Equipment, the Network, MTN UGANDA MOBILE MONEY System and/or MTN UGANDA MOBILE MONEY Service;

1. 1. 3. the money in your MoKash Account being subject to legal process or other encumbrance restricting payments or transfers thereof;

1. 1. 4. your failure to give proper or complete instructions for payments or transfers relating to your MoKash Account;

1. 1. 5. any fraudulent or illegal use of the Services, the System and/or your Equipment; or

1. 1. 6. Your failure to comply with these Terms and Conditions and any document or information provided by the Bank concerning the use of the System and the Services.

10. 3. If for any reason other than a reason mentioned in subparagraphs 10.1 or 10.2, the Services are interfered with or unavailable, the Bank’s sole liability under this Agreement in respect thereof shall be to re-establish the Services as soon as reasonably practicable.

10. 3. Save as provided in subparagraph 10.3 the Bank shall not be liable to you for any interference with or unavailability of the Services, howsoever caused.

10. 3. Under no circumstances shall the Bank be liable to you for any loss of profit or anticipated savings or for any indirect or consequential loss or damage of whatever kind, howsoever caused, arising out of or in connection with the Services even where the possibility of such loss or damage is notified to the Bank.

10. 3. All warranties and obligations implied by law are hereby excluded to the fullest extent permitted by law.

You acknowledge that the intellectual property rights in the System (and any amendments, upgrades or enhancements thereto from time to time) and all associated documentation that the Bank provides to you through the System or otherwise are vested either in the Bank or in other persons from whom the Bank has a right to use and to sub-license the System and/or the said documentation. You shall not infringe any such intellectual property rights. You shall not duplicate, reproduce or in any way tamper with the System and associated documentation without the prior written consent of the Bank.

1. 1. In consideration of the Bank complying with your instructions or Requests in relation the MoKash Account, you undertake to indemnify the Bank and hold it harmless against any loss, charge, damage, expense, fee or claim which the Bank suffers or incurs or sustains thereby and you absolve the Bank from all liability for loss or damage which you may sustain from the Bank acting on your instructions or requests or in accordance with these Terms and Conditions.

1. 2. The indemnity in clause 12.1 shall also cover the following:

1. 1. 1. All demands, claims, actions, losses and damages of whatever nature which may be brought against the Bank or which it may suffer or incur arising from its acting or not acting on any Request or arising from the malfunction or failure or unavailability of any hardware, software, or equipment, the loss or destruction of any data, power failures, corruption of storage media, natural phenomena, riots, acts of vandalism, sabotage, terrorism, any other event beyond the Bank’s control, interruption or distortion of communication links or arising from reliance on any person or any incorrect, illegible, incomplete or inaccurate information or data contained in any Request received by the Bank.

1. 1. 2. Any loss or damage that may arise from your use, misuse, abuse or possession of any third party software, including without limitation, any operating system, browser software or any other software packages or programs.

1. 1. 3. Any unauthorized access to your MoKash Account or any breach of security or any destruction or accessing of your data or any destruction or theft of or damage to any of your Equipment.

1. 1. 4. Any loss or damage occasioned by the failure by you to adhere to these Terms and Conditions and/or by supplying of incorrect information or loss or damage occasioned by the failure or unavailability of third party facilities or systems or the inability of a third party to process a transaction or any loss which may be incurred by the Bank as a consequence of any breach by these Terms and Conditions.

1. 1. 5. Any damages and costs payable to the Bank in respect of any claims against the Bank for recompense for loss where the particular circumstance is within your control.

1. 1. The Bank may at any time, upon notice to you, terminate or vary its business relationship with you and close your MoKash Account and in particular but without prejudice to the generality of the foregoing the Bank may cancel credits which it has granted and require the repayment of outstanding debts resulting therefrom within such time as the Bank may determine.

1. 2. Without prejudice to the Bank rights under clause 13.1, the Bank may at its sole discretion suspend or close your MoKash Account:

1. 1. 1. if you use the MoKash Account for unauthorized purposes or where the Bank detects any abuse/misuse, breach of content, fraud or attempted fraud relating to your use of the Services;

1. 1. 2. if your MTN UGANDA MOBILE MONEY Account or agreement with MTN UGANDA is terminated for whatever reason;

1. 1. 3. if the Bank is required or requested to comply with an order or instruction of or a recommendation from the government, court, regulator or other competent authority;

1. 1. 4. if the Bank reasonably suspects or believes that you are in breach of these Terms and Conditions (including non-payment of any Loan amount due from you where applicable);

1. 1. 5. where such a suspension or variation is necessary as a consequence of technical problems or for reasons of safety;

1. 1. 6. to facilitate update or upgrade the contents or functionality of the Services from time to time;

1. 1. 7. where you remain inactive for any period of time determined by the Bank in its reasonable discretion; or

1. 1. 8. If the Bank decides to suspend or cease the provision of the Services for commercial

reasons or for any other reason as it may determine in its absolute discretion.

13. 3. You may close your MoKash Account at any time at any MTN Uganda Customer Care Centre.

13. 3. If your MoKash Account has any credit balance at the time of its closure, we will return any such balance to you, less any applicable fees. If your MoKash Loan Account is in arrears at the time of closure of your MoKash Account, you agree to pay to us immediately all amounts you owe us.

13. 3. Termination shall however not affect any accrued rights and liabilities of either party.

13. 3. If the Bank receives notice of your demise, the Bank will not be obliged to allow any operation or withdrawal from your MoKash Account by any person except upon production of Grants of Letters of Administration or Probate by your legal representatives duly appointed by the Court.

1. 1. You hereby expressly consent and authorize the Bank to disclose receive record or utilize your personal information or information or data relating to your MoKash Account and any details of your use of the Services:

1. 1. 1. to and from any local or international law enforcement or competent regulatory or governmental agencies so as to assist in the prevention, detection, investigation or prosecution of criminal activities or fraud;

1. 1. 2. to and from the Bank’s service providers, dealers, agents or any other company that may be or become the Bank’s subsidiary or holding company for reasonable commercial purposes relating to the Services;

1. 1. 3. to a Credit Reference Bureau;

1. 1. 4. to the Bank’s lawyers, auditors or other professional advisors or to any court or arbitration tribunal in connection with any legal or audit proceedings;

1. 1. 5. to MTN UGANDA in connection with the MTN UGANDA MOBILE MONEY Service and the Services;

1. 1. 6. for reasonable commercial purposes connected to your use of the Services, such as marketing and research related activities; and

1. 1. 7. in business practices including but not limited to quality control, training and ensuring effective systems operation.

1. 1. These Terms and Conditions (as may be amended from time to time) form a legally binding agreement binding on you and your personal successors.

1. 2. This Agreement and any rights or liabilities accruing thereunder may not be assigned by you to any other person.

1. 3. The Bank may vary or amend at any time and without notice to you these Terms and Conditions and the Transaction Fees. Any such variations or amendments may be published in posters or pamphlets available at MTN UGANDA’s Agents outlets, in the daily newspapers, on the Bank and/or MTN UGANDA’s website and/or by any other means as determined by the Bank and any such variations and amendments shall take effect immediately upon publication.

1. 4. No failure or delay by either yourself or the Bank in exercising any right or remedy hereunder shall operate as a waiver thereof, nor shall any single or partial exercise of any right or remedy prevent any further or other exercise thereof or the exercise of any other right or remedy.

1. 5. The rights and remedies herein provided are cumulative and not exclusive of any rights or remedies provided by law.

1. 6. If any provision of these Terms and Conditions shall be found by any duly appointed arbitrator, court or administrative body of competent jurisdiction to be invalid or unenforceable the invalidity or unenforceability of such provision shall not affect the other provisions herein.

1. 7. Any addition or alteration to these Terms and Conditions may be made from time to time by the Bank and of which notice has been given to you by way of publication as provided in subparagraph 15.3 shall be binding upon you as fully as if the same were contained in these Terms and Conditions.

16. 1. 1. The Bank may send information concerning the MoKash Account via SMS to the MTN UGANDA Mobile Phone number associated with your MTN UGANDA MOBILE MONEY Account.

16. 1. 2. You acknowledge that you have no claim against the Bank for damages resulting from losses, delays, misunderstandings, mutilations, duplications or any other irregularities due to transmission of any communication pertaining to the MoKash Account.

1. 1. You may contact the MTN Uganda Customer Care Center to report any disputes, claims or MoKash Account discrepancies.

1. 2. Any dispute arising out of or in connection with this Agreement that is not resolved by MTN Uganda Customer Care Centre representatives shall be referred to arbitration by a single arbitrator to be appointed by agreement between the parties or in default of such agreement within 60 days of the notification of a dispute, upon the application of either party, by the Chairman of the Centre for Arbitration and Dispute Resolution who shall be the final appointing authority.

1. 3. Such arbitration shall be conducted in the English language in Kampala in the Republic of Uganda under the provisions of the Arbitration and Conciliation Act, Cap 4 as amended from time to time.

1. 4. To the extent permissible by Law, the determination of the Arbitrator shall be final, conclusive and binding upon the parties hereto.

1. 5. This Agreement shall be governed by and construed in accordance with the laws of the Republic of Uganda.

The MoMo Nyabo Terms And Conditions

By participating in the Pay and Win Promotion – MoMo Nyabo Together you agree to be bound by the decisions of MTN, which are final and binding in all respects and agree to the following terms and conditions:

By participating in the draws, all participating customers permit MTN to use their voices, pictures and life stories to be used in MTN’s marketing communication for the period of 12 months.

All entries will be the property of MTN. The information entrants provide will be used by MTN for the purpose of running this promotion.

MTN will automatically enter all eligible and qualifying participants into the draw.

The draw will be carried out using an electronic randomized draw.

MTN’s decision is final and no correspondence will be entered into whatsoever.

Employees, relatives and agents or any related bodies are not eligible to enter this campaign.

MTN will contact winners only through 0393002010

The prize must be taken “as offered” and cannot be varied or extended or transferred or exchanged.

Any additional products or services not included in the prize, but required by the winner, will need to be arranged and paid for by the winner.

MTN shall bear no responsibility for any harm and/or losses occasioned to the winners from the use of the claimed prizes.

Unclaimed prizes after the stipulated timeline will be forfeited altogether, and MTN will be free to use them as it deems fit.

Information regarding the campaign that is published on authorized advertising material will also form part of the terms and conditions of the campaign.

MTN may in their sole discretion amend these terms and conditions including the duration at any time without notice.

Any attempt by anyone to deliberately interfere with or manipulate the promotion may be a violation of criminal and/or civil law and may result, among other things, in disqualification from participating in the draw.

If for any reason any aspect of this campaign is not capable of running as planned, including by reason of infection by computer virus, network failure, bugs tampering, unauthorized intervention, fraud, technical failures, or any cause beyond the control of Synergy which corrupts or affects the administration, security, fairness, integrity or proper conduct of this competition, MTN in its sole discretion may cancel, terminate, modify or suspend the competition, or invalidate any affected entries,

MTN reserves the right, without prior notice and at any time, to terminate or suspend the promotion, in whole or in part, or to modify the promotion, should any factor (including but not limited to fraud or security breach) interfere with the promotion as contemplated by these terms and conditions or if MTN believes that the promotion has been or will be compromised in any way.

MTN will not be liable for any loss (including, without limitation, indirect, special or consequential loss or loss of profits), expense, damage, personal injury or death which is suffered or sustained (whether or not arising from any person’s negligence) in connection with this competition or accepting or using any prize, except for any liability which cannot be excluded by law (in which case that liability is limited to the minimum allowable by law).

Ugandan law shall govern this promotion.

Any litigation of a dispute arising out of, or in connection with the promotion shall be subject to the sole and exclusive jurisdiction of Ugandan courts.

By participating you irrevocably submit to the sole and exclusive jurisdiction of such courts for such purpose and waive any objection in connection with the same.

By participating in a Promotion, you agree that any personal information provided by you with the Promotion entry and subsequently for the purpose of claiming the prize (if applicable) may be held, used, and retained by MTN to administer the Promotion.

Any participant’s personal data relating to the Promotion will be used solely in accordance with the Data Protection and Privacy Act 2019

Participants personal data may be passed onto to third-party fulfillment service provider/Contractors for the purposes of administering and arranging the prize including Know Your Customer and anti-money laundering checks with third-party providers and/or for any other legal and/or regulatory reason.