Last updated: February 10, 2025

These Terms of Use outline the legal agreement between **ECash Technology Limited** ("We," "Us") and **You** as a user of the ECash service. Here’s a summary of the key points:

Acceptance of Terms

• By using the ECash service, you agree to these Terms of Use.
• If you don’t agree, you cannot access or use the service.
• These terms are binding and apply to all users.

Definitions

Key terms like **Account**, **App**, **Loan**, **Personal Information**, and **Service** are defined. The terms are interpreted in English, and English prevails over any translations.

Your Responsibilities

• You must: Be legally capable of entering into this agreement.
• Use the service lawfully and only for its intended purpose.
• Provide accurate and complete information.
• Not engage in fraudulent or misleading conduct.
• Not misuse or disrupt the system.

Account Registration

• You must register for an account to use the service.
• You are responsible for all activities on your account and must keep your credentials secure.
• ECash can block or suspend your account for breaches, inactivity, or unpaid debts.

Use of Service

• The service is only available to individuals over 18.
• ECash reserves the right to approve or decline loan applications at its discretion.
• Loan terms, including interest rates and fees, will be displayed on the app.

Prohibited Conduct

• You cannot misuse the system, reverse engineer it, or use it for commercial purposes.
• You cannot send spam, viruses, or unlawful content.
• You cannot impersonate others or misrepresent your information.

Financial Terms

• Interest and Fees: Interest rates and transaction fees are displayed on the app and may change.
• Taxes: You are responsible for any taxes related to payments.
• Payments: Must be made in full and on time, in the local currency.
• Default: Failure to repay loans may result in late fees, credit bureau reporting, and legal action.

Termination

• ECash can terminate your access to the service at any time, with or without notice.
• On termination, you must repay any outstanding amounts and delete the app.

Liability and Indemnity

• You indemnify ECash against claims arising from your breach of these terms.

Dispute Resolution

• Disputes will be resolved through arbitration in Kampala, Uganda, under Ugandan law.
• Either party can seek injunctive relief from a court.

Privacy and Data Protection

ECash collects and processes your personal information as outlined in its Privacy Policy. Your credit information may be shared with credit reference bureaus.

Marketing and Communications

• By using the service, you consent to receive marketing communications.
• You can opt out of these communications.

Third-Party Sites

ECash may link to third-party sites but is not responsible for their content, security, or privacy practices.

Amendments

ECash can amend these terms at any time. Continued use of the service constitutes acceptance of the updated terms.

Customer Code of Practice

• ECash commits to providing clear, accurate, and timely information to customers.
• ECash commits to protecting customer data and ensuring confidentiality.
• ECash will handle complaints transparently and offer compensation where applicable.
• ECash will avoid unsolicited marketing unless customers opt-in.

Complaints

Customers can lodge complaints via email, phone, or in person. ECash will investigate and resolve complaints promptly, offering compensation if necessary.

General

• ECash is not liable for delays or failures beyond its control.
• You cannot assign your rights under these terms without ECash’s consent.
• These terms constitute the entire agreement between you and ECash.

Changes to our Terms and Conditions

We may update Our terms from time to time. We will notify You of any changes by posting the new Terms of Use on this page.

We will let You know via email and/or a prominent notice on Our Service, prior to the change becoming effective and update the "Last updated" date at the top of this Terms and Conditions.

You are advised to review this Terms and Conditions periodically for any changes. Changes to this Terms and Conditions are effective when they are posted on this page.

Contact Us

If you have any privacy questions, reach out via:

support@cintaxtechnologies.com