Collectby IKANISA
TERMS OF USE
These Terms explain what Collect provides, what regulated partners provide, your responsibilities and the rules governing your use of the website, app, USSD and related services.
Effective date: 20 June 2026
Effective Date: 20 June 2026
By creating an account or using Collect, you agree to these Terms and the Privacy Policy.
Where a partner’s regulated product terms conflict with these general Terms, the partner’s product agreement governs that product.
You may use Collect if you:
Features may differ by country, partner, device or pilot programme.
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 help initiate, evidence, reconcile or display contributions.
Customer funds are held or processed through licensed financial institutions or payment providers.
You must verify payment 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.
Where a partner bank offers a group-backed loan:
Saving through Collect does not automatically create collateral or guarantee credit. Collect will not describe savings as pledged until the partner bank and relevant group have completed the required documentation.
The partner bank conducts its own analysis and may request additional information.
AI output may contain errors and must be reviewed.
You remain responsible for checking information before submission. Collect may require human review before handing a file to a partner.
Collect does not use AI as the final authority for loan approval, insurance underwriting or claims decisions.
Unless expressly stated, these providers are independent. Collect is not responsible for professional advice delivered independently by the provider, except where applicable law provides otherwise.
Deleting Collect, leaving a savings group or changing a telephone number does not cancel a loan. You must read and accept the partner lender’s agreement before borrowing.
Insurance products are issued by licensed insurers.
Collect may support product discovery, premium workflows, digital records, reminders and claims notification. A premium payment does not create cover until confirmed according to the insurer’s terms.
Diaspora savings are separate from remittances.
Product availability depends on the host country and partner bank. Collect does not guarantee a particular secured interest rate, credit amount or investment outcome.
Collect will display applicable fees before you accept a paid service.
A zero-fee savings statement applies only to the specific user charge described. Mobile operators, banks or other providers 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.
We may retain records where legally required. Eligible data will be deleted or anonymised according to 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 applicable laws for your country or the relevant service, unless mandatory consumer law in your country provides otherwise. Disputes will be handled by the competent court or dispute-resolution forum, subject to any mandatory legal rights.