Terms And Conditions

Welcome to Cashtopia! By accessing or using our services, including our website, mobile application, and associated platforms, you agree to abide by the following Terms and Conditions. These terms govern your relationship with Cashtopia, so please read them carefully.

1. Acceptance of Terms

By registering for or using any service provided by Cashtopia, you agree to be bound by these Terms and Conditions. If you do not agree, please discontinue using our services.

2. Eligibility

To use Cashtopia, you must be at least 18 years old or the age of legal majority in your jurisdiction. If you are using our services on behalf of a company, organization, or other legal entity, you confirm that you have the authority to bind such entity to these Terms and Conditions.

3. User Account and Security

To access Cashtopia's services, you will need to create an account by providing accurate information, such as your name, email, phone number, and verification documents as required by KYC regulations. You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account.

• You must notify us immediately of any unauthorized use of your account or security breaches.
• Cashtopia is not liable for any loss or damage resulting from your failure to secure your account.

4. Services Provided

Cashtopia offers various financial services, including but not limited to:

• Sending and Receiving Money
• Bill Payments
• Mobile Top-ups
• Remittances
• QR Code Payments
• Virtual Card Creation
• Merchant API Integrations

All services are subject to change or discontinuation at any time without notice.

5. Fees and Charges

Using Cashtopia may incur fees for certain services, such as transaction fees, processing fees, or withdrawal fees. These charges will be communicated to you before completing a transaction. You agree to pay all applicable fees and taxes.

6. Transactions and Limits

• Transactions through Cashtopia are subject to verification and approval processes, including KYC and AML (Anti-Money Laundering) requirements.
• There may be limits on the amounts you can transact per day or month, depending on your account type and region.
• Cashtopia reserves the right to delay or reject transactions for reasons including suspicion of fraud, regulatory requirements, or insufficient account balances.

7. Prohibited Activities

You agree not to use Cashtopia’s services for any unlawful, fraudulent, or malicious activities, including:

• Money laundering, terrorist financing, or any other illegal financial operations.
• Selling or purchasing illegal goods and services.
• Any activity that infringes on intellectual property rights or violates another person’s privacy.

If we suspect any prohibited activity, we reserve the right to suspend or terminate your account and report such activities to the relevant authorities.

8. Data Collection and Privacy

We collect, store, and process your personal information in accordance with our Privacy Policy. By using Cashtopia, you consent to the collection and use of your data as outlined in our Privacy Policy.

9. Third-Party Services

Cashtopia may integrate with third-party services or platforms, such as banks, mobile networks, or payment processors. We are not responsible for the performance, terms, or actions of these third parties, and your use of their services is subject to their own terms and conditions.

10. Liability and Disclaimer

• Service Availability: Cashtopia strives to provide uninterrupted services, but we do not guarantee that our services will always be available, error-free, or secure.
• Limitation of Liability: In no event shall Cashtopia be liable for any direct, indirect, incidental, or consequential damages arising out of your use of our services.
• Indemnification: You agree to indemnify and hold Cashtopia harmless from any claims, damages, or expenses arising out of your violation of these Terms or misuse of our services.

11. Dispute Resolution

In the event of any dispute between you and Cashtopia, we will first attempt to resolve the matter informally. If the dispute cannot be resolved informally, it shall be settled through binding arbitration in Uganda.

12. Modifications to Terms

Cashtopia reserves the right to update or modify these Terms and Conditions at any time. We will notify you of significant changes via email or our website. Continued use of our services after such changes constitute your acceptance of the modified terms.

13. Termination

Cashtopia may suspend or terminate your account at any time, with or without cause, for any reason including non-compliance with these Terms and Conditions. Upon termination, you will no longer have access to your account or any funds held within Cashtopia.

14. Contact Us

For any questions regarding these Terms and Conditions, please contact us at support@cashtopia.app