Terms and Conditions

Last Updated: October 20, 2025

Please read these terms and conditions carefully before using UMVA's services.

1. Acceptance of Terms

By accessing or using UMVA's services, you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you may not use our services.

These terms apply to all users, including:

  • Individual users
  • Business and merchant accounts
  • Agents and resellers
  • API developers and integrators

2. Eligibility

To use UMVA services, you must:

  • Be at least 18 years of age
  • Have the legal capacity to enter into binding contracts
  • Provide accurate and complete registration information
  • Not be prohibited from using our services under applicable laws
  • Comply with all verification requirements, including KYC

3. Account Registration and Security

3.1 Account Creation

  • You must create an account to access most services
  • Provide truthful, accurate, and complete information
  • Keep your account information up to date
  • One person or entity may only have one primary account

3.2 Account Security

  • You are responsible for maintaining the confidentiality of your password
  • Enable two-factor authentication for enhanced security
  • Notify us immediately of any unauthorized account access
  • You are liable for all activities under your account

4. Services and Usage

4.1 Wallet Services

  • Hold and manage multiple currencies
  • Send and receive money to other users
  • Transaction limits may apply based on verification level

4.2 Payment Gateway

  • Accept payments on your website or application
  • Comply with payment processing regulations
  • Maintain accurate transaction records

4.3 API Services

  • Use API keys for authentication
  • Respect rate limits and usage quotas
  • Do not abuse or misuse API endpoints

5. Fees and Charges

  • Fees vary by service and transaction type
  • Fees are clearly displayed before you confirm transactions
  • We reserve the right to modify fees with prior notice
  • Refunds are handled on a case-by-case basis
  • Currency conversion rates are updated in real-time

6. Prohibited Activities

You may not use UMVA services to:

  • Engage in illegal activities or money laundering
  • Violate any laws, regulations, or third-party rights
  • Send spam, phishing messages, or malicious content
  • Manipulate or defraud the platform or other users
  • Reverse engineer or attempt to access source code
  • Use automated systems without authorization
  • Sell, rent, or transfer your account to others
  • Process payments for prohibited goods or services

7. Intellectual Property

All content, trademarks, and intellectual property on UMVA are owned by or licensed to us. You may not:

  • Copy, modify, or distribute our content without permission
  • Use our trademarks or branding without authorization
  • Create derivative works based on our platform
  • Remove copyright or proprietary notices

8. Limitation of Liability

To the maximum extent permitted by law:

  • UMVA is not liable for indirect, incidental, or consequential damages
  • We do not guarantee uninterrupted or error-free service
  • Our liability is limited to the amount of fees paid in the last 12 months
  • We are not responsible for third-party services or integrations
  • Force majeure events release us from performance obligations

9. Indemnification

You agree to indemnify and hold harmless UMVA from any claims, damages, or expenses arising from:

  • Your use or misuse of our services
  • Your violation of these terms
  • Your violation of any third-party rights
  • Your breach of applicable laws or regulations

10. Account Suspension and Termination

10.1 By UMVA

We may suspend or terminate your account if:

  • You violate these terms or our policies
  • We detect suspicious or fraudulent activity
  • Required by law or regulatory authorities
  • Your account has been inactive for an extended period

10.2 By You

You may close your account at any time by:

  • Contacting our support team
  • Withdrawing any remaining balance
  • Understanding that some data may be retained for legal compliance

11. Dispute Resolution

  • Most disputes can be resolved through our support team
  • Escalated disputes will be handled through arbitration
  • Arbitration will be conducted under Rwandan law
  • You waive the right to participate in class actions

12. Governing Law

These Terms are governed by the laws of Rwanda. Any disputes will be resolved in Rwandan courts with jurisdiction over our principal place of business.

13. Changes to Terms

We may modify these terms at any time. We will notify you of significant changes by:

  • Posting updated terms on this page
  • Sending email notifications
  • Displaying in-app notifications

Continued use of services after changes constitutes acceptance of new terms.

14. Contact Information

For questions about these Terms and Conditions: