Terms and Conditions

1. Acceptance of Terms

By accessing and using Tumia Wallet ("the Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Description of Service

Tumia Wallet is a financial management platform designed for remote teams and families to manage shared finances with transparency, accountability, and control. Our services include wallet management, payment processing, spending controls, and financial analytics.

3. User Accounts and Registration

To use our services, you must register for an account. You agree to provide accurate, current, and complete information during registration and to update such information to keep it accurate, current, and complete.

• You are responsible for maintaining the confidentiality of your account credentials
• You are responsible for all activities that occur under your account
• You must notify us immediately of any unauthorized use of your account

4. Financial Services and Transactions

Tumia Wallet facilitates financial transactions and money management. By using our services, you acknowledge that:

• All transactions are subject to applicable fees and charges
• We reserve the right to decline or reverse transactions for security reasons
• You are responsible for ensuring sufficient funds for transactions
• Transaction limits may apply based on your account type and verification level

5. Security and Privacy

We implement industry-standard security measures to protect your data and transactions. However, you are also responsible for:

• Keeping your device and app updated
• Using strong, unique passwords
• Not sharing your credentials with others
• Reporting suspicious activity immediately

6. Prohibited Activities

You agree not to use the Service for any unlawful purpose or to engage in any activities that:

• Violate any applicable laws or regulations
• Infringe on the rights of others
• Involve money laundering or terrorist financing
• Attempt to gain unauthorized access to our systems
• Interfere with the proper functioning of the Service

7. Fees and Charges

Our fee structure is transparent and available in the app. Fees may include:

• Transaction fees for transfers and payments
• Monthly subscription fees for premium features
• Currency conversion fees for international transactions
• Account maintenance fees for certain account types

8. Limitation of Liability

To the maximum extent permitted by law, Tumia Wallet shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or use.

9. Changes to Terms

We reserve the right to modify these terms at any time. We will notify users of significant changes through the app or email. Continued use of the Service after changes constitutes acceptance of the new terms.

10. Contact Information

If you have any questions about these Terms and Conditions, please contact us at:

Email: team@tumia.app
Address: Kigali, Rwanda

Last updated: 7/26/2025