The Offer provides customers with a service that allows them to receive an airtime and/or bundle advance on request when they run low on their balance. This enables the customer to always be connected even if they may run out of airtime and do not have the possibility to recharge. Airtime borrowed can call both local and international calls.

Under the Offer, a Bundle loan recovery system is being introduced to ensure the repayment of outstanding Xtratime loans. Due to the widespread adoption of MOMO payments for all products and services, a gradual depletion of airtime accounts has occurred. This has also resulted to customers of this service increasingly bypassing loan repayment. Since customers now purchase data and voice services directly from their MOMO wallets, they avoid the automatic deduction of loan repayments when loading airtime onto their SIM cards. 

This enhancement to the service will enable us to deduct from bundles purchased via MoMo. By implementing this approach, we aim to improve loan recovery, reduce default rates, and sustain revenue from the service while ensuring customers continue to enjoy uninterrupted connectivity.

1. The Offer is available to all MTN prepaid customers. 
2. Customers must have a history of purchasing airtime or bundles to qualify for Xtratime advances.
3. Customers shall be granted as much as their limit allows.
   • Tenure on the network with particular Sim card number
   • Amount spent on MOMO, Voice and data and airtime recharges.

A customer shall be charged 10% interest fee on the value borrowed.

• All customers who are eligible for Xtratime will be notified of new terms and conditions on the day of implementation/ go live.
• Normally, Xtratime loans have been recovered by airtime recharges only, but this option now adds direct MoMo bundle top-ups as another channel of recovery for outstanding Xtratime loans.  
• Bundle recovery will only apply to voice, data and combo bundles of up to 10,000shsvalue/price as this is the current Xtratime loan Limit. All other bundles with more than 10.000/- price will be exempted from bundle recovery journey.
• Bundle loan recovery will be applicable to only bundles purchased via MoMo.
• Bundle loan recovery will be applied only when a user has an outstanding xtratime loan. If user has no open loan, normal bundle activation process will apply.
• There will a grace period of 14days from the time a customer takes an xtratime loan.
• Within the 14days of the grace period, bundle loan recovery should not apply when the customer is buying any bundle from mobile money wallet.
•  After 14days of grace period, a customer with xtratime loan will be allowed to two bundle purchases and will be prompted to pay back the loan. If a customer is not willing to pay within the 2 purchases a normal purchase will continue and no loan recovery will happen.
• After 14 days grace period and the 2 bundle purchases, forced loan recovery will happen. Customer will not have an option to consent, and they will not be able to purchase any Voice or data bundle via MoMo before paying Xtratime loan.
• During recovery process, customer will select the desired bundle to purchase via MoMo. If the value/price of the selected bundle is less than the outstanding xtratime loan amount, the whole amount will be used for loan recovery. If the selected bundle price is more than the outstanding amount, only the equivalent of the outstanding loan amount will be deducted from customers MoMo wallet.
• Notifications will be sent to a customer before and after the loan recovery. These notifications will be very clear to state the xtratime loan amount required to clear outstanding loan.
• Bundle loan recovery will not apply to bundles that cannot be purchased through airtime as a source of funds (e.g. MoMo exclusive bundles for example wakanet).
• Loan recovery in this solution will only apply for self-purchases. Loan recovery will not apply if a subscriber is buying for another, where party B has an outstanding Xtratime loan and vice versa.
• 14. There should be a Gui (web interface) that will show these transactions and will be used by customer interfacing team to support customers. The loaned amount, together with the Service Fee, will be deducted when the customer next recharges their airtime account. 
• The customer must recharge within three (3) months after the initial advance took place. 
• After this period, the Customer will be barred from accessing the service, until such time that either the Customer’s SIM Card is deactivated or the Customer next recharges. 
• The Customer is responsible for providing accurate information on the Xtra time amount required. 
• An Xtra Time request cannot be cancelled once the Offer has been accepted. 
• Once an Xtra Time advance is made, MTN reserves the right to make deductions from the Customer’s account automatically and without prior consent, until the Xtra Time advance amount and Interest are recovered in full. 
• The Xtra Time advance may be recovered in lump sum or instalments, until it is recovered in full. 
• Partial and full deductions will be supported: 
• A partial deduction occurs when a customer does not have enough airtime to pay the debt in full. 
• The Customer’s account will be deducted by the amount currently available, and the remaining debt will be deducted on the Customer’s next recharge. 
• A full deduction occurs where the Customer’s account balance is sufficient to deduct the full amount owed. 
• The Customer will receive an SMS for each transaction. 

NOTE: Without prejudice to any other remedies available at law, MTN reserves the right to immediately terminate use of the services by the Customer, if it has reason to believe that continued provision of the service is not viable, appropriate, or in the best interest of MTN, including but not limited to cases of unauthorized, unlawful, or fraudulent use by the Customer. 

• MTN reserves the right, at any time, to change, vary, amend, or replace these Terms and Conditions and any rules relating to this Offer, its promotions, its products, and services and to modify its promotions, its products, and services at its discretion, with relevant notice to the Customer. 
• Refer to www.mtn.co.ug to view product and service rules as well as updated Terms and Conditions. Any changes to rules and/or Terms and Conditions are effective, and the notice to the Customer shall be deemed sufficient from the date that they are published on the above-mentioned website or elsewhere in any media. 
• MTN reserves the right at any time to modify, suspend or discontinue the services, with notice, without liability the Customer or any third party. MTN will under no circumstance be liable to the Customer for any error, delay, failure or non-availability of the service, and the Customer indemnifies MTN against any damage or loss sustained because of possession and/or use of the SIM card, MTN network services, or any error, delay, failure or nonavailability of the service. Visit to www.mtn.co.ug regularly for notices, updates and/or changes to services. 
• MTN reserves the right from time to time to vary the charges of these services as may be deemed necessary in its discretion. 
• As changes will be posted on  to www.mtn.co.ug  the Customer’s continued use of the products and/or services with the amended rules and/or Terms and Conditions will be deemed to be accepted by the Customer. It remains the Customer’s responsibility to review the Terms and Conditions regularly for any updates or changes made by MTN . 

• MTN is not responsible for a service being interrupted and/or failing for any reason or for any interruption in the network services.
• The Customer will be able to access services only when they are in the Republic of Uganda in an area covered by the MTN network.
• The Customer will be solely responsible for all products and services contained in the Offer from delivery of the Offer to the Customer. Accordingly, MTN takes no responsibility for any loss or damage of any of the contents of this Offer including the SIM card, where applicable, or any MTN internet bundle credits associated with the SIM Card. In the event of theft or loss of your device and/or SIM card, such items must be replaced at your own cost; you are obliged to report such loss or theft to the Police Services immediately, and to request MTN to suspend such SIM Card.

In the case where customers have queries or complaints on the service, they will contact MTN via its Helpline 100 Or its other channels below: 

Call: 0771001000, WhatsApp: 0772123100, Email: customerservice.ug@mtn.com