Terms of service.

By using Kopesha you accept these terms. If you do not agree with them, do not use the service.

The service

Kopesha is loan-management software used by financial institutions. Kopesha does not lend money and is not a lender. Every loan is issued by the institution concerned on its own terms, and that institution alone is responsible for it.

The directory on the website lists registered institutions. A visitor may ask an institution to call them; asking for a call is not a loan application and binds nobody.

A lender's obligations

• To hold the licences and permits Tanzanian law requires.
• To give true information when registering and on its profile.
• To keep its borrowers' information confidential.
• To answer for everything its staff do within the system.

Accounts and passwords

You are responsible for keeping your password secret. An institution's owner can create staff accounts and change their permissions.

Plans and payments

The service is paid for by subscription. On Android and on the website, payment is by mobile money. When a plan expires, reading and writing the institution's data stops until payment is made. Payments already made are not refunded unless the law requires it.

iPhone and iPad plans (Apple)

On iPhone and iPad, plans are sold only through Apple In-App Purchase and are auto-renewable. There are three: 1 month, 6 months and 1 year. The price of each is shown in the app before you confirm the purchase, in the currency of your App Store account.

• Your Apple ID account is charged when you confirm the purchase.
• A plan renews automatically for another period of the same length, and Apple charges within 24 hours before the current period ends, at the same price that was shown.
• You can cancel at any time, at least 24 hours before the current period ends, in Settings → your name → Subscriptions on your device, or at apps.apple.com/account/subscriptions. Cancelling inside the Kopesha app alone does not cancel the plan.
• If you cancel, you keep access until the period you paid for ends. No part of a paid period is refunded.
• Bought on another device, or reinstalled the app? Use “Restore purchases” on the payment page — you will not pay twice.
• Refunds for App Store purchases are handled by Apple, not by us. Ask at reportaproblem.apple.com.

Prices may change. If a price rises, Apple asks for your consent before charging the new amount, and the plan does not renew without it.

Prohibited use

Do not use the service to deceive, to threaten anyone, to collect debts by unlawful means, or to enter false information about a borrower.

Limitation of liability

The service is provided as it is. We are not liable for business losses arising from lending decisions, nor for outages of the network, the SMS provider or the payment provider.

Deleting an account

You can delete your account at any time — see the privacy policy for what is erased and what remains.

Governing law

These terms are governed by the laws of the United Republic of Tanzania.