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Terms of Service

1. Agreement to Terms

By accessing or using Tontiin, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you disagree with any part of these terms, you may not use our service.

2. Service Description

Tontiin is a digital platform that facilitates traditional African rotating savings groups (tontines/njangi). We provide:

  • Group creation and management tools
  • Mobile money payment processing
  • Automated contribution collection and distribution
  • Group communication features
  • Financial record keeping and transparency tools

3. Payment Terms

3.1 Mobile Money Processing

We process payments through authorized mobile money operators in your country. By using our service, you acknowledge:

  • Transaction fees are calculated as a percentage of the transaction amount
  • Fees may vary by country and mobile money provider
  • Fee structures may change based on mobile money operator policies
  • Current fee rates will always be displayed before transaction confirmation

3.2 Transaction Charges

Our fee structure includes:

  • Mobile money operator charges (varies by provider)
  • Platform service fee (percentage-based)
  • Any applicable government taxes

Note: Fee structures may be updated periodically to reflect changes in mobile money operator charges or regulatory requirements.

4. User Responsibilities

  • Maintain accurate and up-to-date account information
  • Keep login credentials secure
  • Honor group commitments and payment schedules
  • Verify mobile money account details before transactions
  • Report any unauthorized transactions immediately

5. Group Management

  • Groups must establish clear rules and contribution schedules
  • All members must consent to group terms
  • Group administrators are responsible for member management
  • Emergency fund contributions are mandatory if enabled by the group

6. Dispute Resolution

In case of disputes:

  • First attempt resolution within the group
  • Contact Tontiin support for mediation if needed
  • We maintain transaction records for dispute resolution
  • Legal action should be a last resort

7. Termination

We reserve the right to terminate or suspend accounts for:

  • Violation of these terms
  • Fraudulent activity
  • Non-payment of obligations
  • Disruptive behavior in groups

8. Contact Information

For questions about these Terms of Service, contact us at:
Email: legal@tontiin.com