Collectby IKANISA
TERMS OF USE
These Terms describe Collect’s group-contribution record service, supported features, account responsibilities and support routes.
Effective date: 20 June 2026
By creating an account or using Collect, you agree to these Terms and the Privacy Policy.
Collect does not replace your MoMo provider’s agreement or independently held third-party contracts.
You may use Collect if you:
Credit readiness, lending, insurance, collateral and related professional-service handoffs are planned directions. They are not services available through the current Collect app. Do not send loan, insurance, identity-document or medical files for those services.
Unless separately licensed and expressly stated, Collect is not:
You must:
You are responsible for activity conducted through your account unless the activity resulted from a failure for which Collect is legally responsible. We may require additional verification before processing a sensitive instruction.
Collect may prepare a supported MoMo USSD handoff and display recorded contributions.
You review the receiver and amount, and authorise the payment in your provider’s prompt. Collect does not ask for your MoMo PIN.
Collect does not hold customer funds. A recorded contribution, parsed receipt or internal reconciliation does not by itself verify provider settlement.
You must verify transfer references and notify us promptly if a record appears incorrect. Collect ledger information does not replace the official account record held by the regulated financial institution.
Collect may provide technology and records but does not replace the group’s governance obligations.
Credit readiness, lending, insurance, collateral and related professional-service handoffs are planned directions. They are not services available through the current Collect app. Do not send loan, insurance, identity-document or medical files for those services.
Credit readiness, lending, insurance, collateral and related professional-service handoffs are planned directions. They are not services available through the current Collect app. Do not send loan, insurance, identity-document or medical files for those services.
AI extraction is unavailable for production without approved provider and human-review controls. Current Collect does not make lending, insurance or other financial eligibility decisions.
Credit readiness, lending, insurance, collateral and related professional-service handoffs are planned directions. They are not services available through the current Collect app. Do not send loan, insurance, identity-document or medical files for those services.
Credit readiness, lending, insurance, collateral and related professional-service handoffs are planned directions. They are not services available through the current Collect app. Do not send loan, insurance, identity-document or medical files for those services.
Credit readiness, lending, insurance, collateral and related professional-service handoffs are planned directions. They are not services available through the current Collect app. Do not send loan, insurance, identity-document or medical files for those services.
Collect will display applicable fees before you accept a paid service.
A zero-fee savings statement applies only to the specific user charge described. A MoMo provider may impose separate charges unless waived under the product terms.
You must not use Collect to:
We may investigate suspected misuse and cooperate with authorised authorities.
Where appropriate, we will explain the reason and provide a route to challenge the action. Suspension of Collect does not suspend obligations owed to a bank, insurer, group or service provider.
Submitting a request does not delete your account or records. Your account remains accessible while review is pending. Check request status or contact support for the outcome and any records that need to be retained. Some records may need to be retained; see the Privacy Policy.
Collect, IKANISA, software, interfaces, trademarks, designs and original content are owned by or licensed to IKANISA.
We grant you a limited, personal, non-exclusive, revocable right to use Collect for its intended purpose.
You may not copy, reverse engineer, resell, modify or commercially exploit Collect without written permission.
You retain ownership of documents and content you provide, but grant us permission to process them to deliver requested services.
We may change or discontinue features, subject to applicable notice and contractual requirements.
Balances, readiness indicators, projections and status information displayed by Collect may depend on data received from partners. You should report errors promptly.
Nothing in these Terms excludes liability that cannot legally be excluded.
Our Privacy Policy explains how we collect, use, share, retain and delete personal data.
A complaint concerning a bank, loan or insurance policy may also need to be submitted to the relevant regulated partner. You retain the right to contact the relevant regulator, data-protection authority or court.
We will provide reasonable notice of material changes. Continuing to use Collect after the effective date means you accept the updated Terms, except where law requires a different form of consent.
These Terms are governed by the laws of Rwanda. Disputes will be handled by the competent Rwandan court or dispute-resolution forum, subject to mandatory legal rights.