VIGEZO NA MASHARTI YA BENKI YA I&M (I&M BANK LIMITED) VIGEZO NA MASHARTI YA JUMLA Kwa kuzingatia makubaliano mengine yoyote yatakayofanywa kwa maandishi kati ya Benki na Mteja, uhusiano kati ya Benki na Mteja utaongozwa na sheria za Jamhuri ya Muungano wa Tanzania kama zitakavyokuwa zinatumika katika vipindi mbalimbali, isipokuwa pale ambapo vigezo na mashart ya jumla yafuatayo yatatumika (“Vigezo na Masharti ya Jumla”):

1. Fasili

(i) “Akaunti” maana yake ni aina yoyote ya akaunti inayomilikiwa na Mteja katika Benki (ikiwamo bila ukomo wowote) akaunti yoyote inayohusiana na karadha, amana, mkataba, bidhaa, muamala au huduma yoyote iliyoanzishwa na kuendeshwa kati ya Benki na Mteja. (ii) “Salio lililopo” maana yake ni kiasi cha fedha kilichomo katika Akaunti ambacho Mteja anaweza kukitoa bila kuwapo kwa kizuizi chochote kutoka Benki (kiasi kinachozuiwa kinajumuisha, bila ukomo, mikopo yoyote ambayo haijathibitishwa, kiasi chochote kilichowekwa kimakosa katika Akaunti na/au kiasi chochote ambacho Benki ina haki ya kufanya makato ya fidia ya deni); (iii) “Fomu ya Maombi” maana yake ni fomu ya Benki inayojazwa na Mteja kwa madhumuni ya kufungua na kuendesha Akaunti. (iv) “Mtia Saini Aliyeidhinishwa” maana yake ni Mteja na/au kuhusiana na Mteja, mtu au watu walioteuliwa na kuidhinishwa kwa maandishi na Mteja wa Benki kuendesha Akaunti kwa niaba ya Mteja. (v) “Benki” maana yake ni I & M Bank (T) Limited, ikijumuisha, bila ukomo, warithi wake wa kisheria na waliokabidhiwa haki au majukumu (iwe ni kwa uasili wake au kwa kupitishwa). (vi) “Matawi ya Benki” maana yake ni (ikiwamo ofisi kuu iliyosajiliwa ya Benki) maeneo yote, ndani au nje ya Jamhuri ya Muungano wa Tanzania, ambapo shughuli za Benki zinaendeshwa. (vii) “Siku ya Kazi” maana yake ni siku yoyote ambayo Benki iko wazi kwa shughuli zote za kibenki (isipokuwa siku za mapumziko zinazotambulika kisheria na siku za mapumziko ya umma), kama Benki itakavyoainisha katika vipindi mbalimbali. (viii) “Saa za Kazi za Benki” maana yake ni saa ambazo Benki huwa wazi kama kawaida kwa ajili ya shughuli zote za kibenki, kama zitakavyoamuliwa na Benki kwa kila tawi lake katika vipindi mbalimbali. (ix) “Ada za Benki” maana yake ni (ikiwa ni pamoja na japo si hizi tu) jedwali la tozo na ada zinazotozwa na Benki kuhusiana na Akaunti. (x) “Hundi” maana yake ni fomu za hundi zinazotolewa na Benki kwa Mteja na ambazo ni sehemu ya Kitabu cha Hundi. (xi) “Kitabu cha Hundi” maana yake ni hundi zilizo na namba za mfuatano, zilizounganishwa pamoja na kutolewa na Benki kwa Mteja. (xii) “Vigezo na Masharti ya Kitabu cha Hundi” maana yake ni Vigezo na Masharti Mahususi yanayohusu matumizi ya Mteja ya Hundi na Kitabu cha Hundi. (xiii) “Mteja” maana yake ni mmiliki wa Akaunti. (xiv) “Deni” maana yake ni fedha zote, wajibu na dhima za aina yoyote, iwe ni mtaji, riba au vinginevyo, katika Shilingi za Tanzania au Fedha za Kigeni, ambazo Mteja anaweza kutakiwa, kudaiwa au kuwajibika kwa Benki, iwe sasa au baadaye, halisi au dharura. (xv) “Fedha za Kigeni” maana yake ni fedha zozote, kwa jina au mfumo wowote, isipokuwa Shilingi ya Tanzania. (xvi) “Shilingi ya Tanzania” maana yake ni fedha halali ya Jamhuri ya Muungano wa Tanzania. (xvii) “Mamlaka” maana yake ni utaratibu wa uendeshaji wa Akaunti kama ulivyobainishwa na Mteja katika Fomu ya Maombi; (xviii) “Dhamana” maana yake ni (ikiwamo japo si haya tu) makubaliano yoyote, rehani, dhamana ya mali, amana, haki ya zuio, udhamini, fidia, hatifungani na/au dhamana nyingine yoyote inayohakikisha, kwa sehemu au kwa ukamilifu Deni lolote la Mteja kwa Benki; (xix) “Vigezo na Masharti Mahususi” maana yake ni vigezo na masharti yanayohusiana na aina maalumu ya Akaunti; na (xx) “Kodi” maana yake ni kodi zote, tozo, ushuru, ada, makato au malipo ya lazima (ikiwamo, bila ukomo, kodi za kifedha, kikanuni, kisheria, za manispaa au nyinginezo), pamoja na faini, tozo na riba zote zinazohusiana nazo.

2. Ustahiki

Benki, kwa hiari yake kamili na ya pekee, baada ya kupokea maombi sahihi kutoka kwa Mteja na kwa kuzingatia Vigezo na Masharti ya Jumla pamoja na Vigezo na Masharti Mahususi yanayohusu Akaunti inayohusika, inaweza kufungua Akaunti kwa ajili ya  Mteja. Benki haitafungua Akaunti kwa ajili ya Mteja yeyote ambaye jina lake limo katika orodha yoyote ya watu waliopigwa marufuku (iwe ya ndani au ya kimataifa) inayotolewa, kusambazwa au kupatikana kwa Benki katika vipindi mbalimbali.

3. Anwani ya Mteja

Anwani iliyotajwa na Mteja katika Fomu ya Maombi itachukuliwa na Benki kuwa ndiyo anwani rasmi ya Mteja, na mawasiliano yote ya maandishi yatatumwa na Benki kwenda kwenye anwani hiyo. Mteja anatakiwa kuijulisha Benki kwa maandishi kuhusu mabadiliko yoyote ya anwani hiyo.

4. Jina la Mteja

Akaunti itaendeshwa na Mteja kwa jina au majina yaliyoainishwa katika Fomu ya Maombi na nyaraka zote zinazohusiana nayo. Benki ina haki, kwa hiari yake kamili na ya pekee, kumtaka Mteja awasilishe uthibitisho wowote unaohitajika kuhusu jina lake na mabadiliko yoyote ya jina hilo, na Benki itakuwa huru kukataa kutekeleza maelekezo yoyote ya Mteja hadi pale ambapo maombi hayo yatakapoiridhisha Benki kikamilifu.

5. Taarifa za Mteja

Benki, kwa hiari yake kamili na ya pekee, wakati wowote katika kipindi chote cha uendeshaji wa Akaunti, ina haki ya kumtaka Mteja awasilishe taarifa na/au nyaraka zozote ambazo Benki itaona ni muhimu kwa ajili ya kufungua na/au kuendesha Akaunti.

6. Maelekezo ya Mteja

(i) Benki itawajibika kutekeleza tu maelekezo halisi ya awali ya Mteja yaliyoidhinishwa ipasavyo na/au nyaraka zilizotolewa au kukubaliwa kwa mujibu wa Mamlaka, hadi pale Mteja atakapotoa notisi ya maandishi kwa Benki ya kubadili hali hiyo. (ii) Maelekezo yatakayopokewa baada ya Saa za Kazi za Benki au katika Siku isiyo ya Kazi yatashughulikiwa katika Siku ya Kazi inayofuata. Mteja anaweza kufuta maelekezo mradi tu Benki haijafungwa kisheria kutekeleza maelekezo hayo na kwa sharti la ziada kwamba Benki imethibitisha kwa maandishi kuwa maelekezo hayo bado hayajatekelezwa. Benki itakuwa na haki ya kutoza ada kwa mujibu wa Ada za Benki kwa kufuta maelekezo. (iii) Benki, kwa kuzingatia masharti ambayo itaona yanafaa kwa hiari yake kamili na ya pekee, na baada ya kupokea maombi ya maandishi kutoka kwa Mteja, inaweza kutekeleza maelekezo ya mdomo, kwa njia ya faksi, kwa njia za kielektroniki au kwa aina nyingine zozote za mawasiliano yasiyo ya maandishi. Hata hivyo, Benki haitawajibika, na Mteja ataifidia na kuilinda Benki dhidi ya hasara yoyote, iwapo Benki itatekeleza maelekezo yaliyopotoshwa au kutumwa isivyo sahihi, au endapo taarifa zilizomo katika mawasiliano hayo hazitapokewa au zitachelewa kufika. (iv) Benki inaweza kukataa kutekeleza maelekezo ya Mteja endapo maelekezo hayo hayako wazi na/au endapo Benki ina sababu ya kuamini kuwa Mteja hakutoa maelekezo hayo, na/au endapo Benki itaona kuwa utekelezaji wa maelekezo hayo unaweza kusababisha ukiukwaji wa sheria, kanuni, mwongozo au wajibu mwingine wowote unaoitaka Benki kuuzingatia.

7. Saini Sampuli

Mteja atawasilisha Benki, kwa namna inayokubaliwa na Benki kwa hiari yake kamili na ya pekee, sampuli ya saini ya kila Mtia saini Aliyeidhinishwa. Benki inaweza kuhitaji sampuli mpya ya saini endapo kutakuwa na mabadiliko ya jina la Mteja.

8. Amana na Mikopo

(i) Mteja anaweza kuweka kwenye Akaunti fedha taslimu, hundi na/au hati nyinginezo kwa ajili ya kuingizwa kama mkopo katika Akaunti, kwa namna na katika fomu itakayokubalika kwa Benki. Benki haitawajibika kuhusu fedha taslimu zitakazotumwa kwa njia ya posta. Hundi na/au hati nyinginezo zote zitakazotumwa kwa njia ya posta zitapaswa kuwekwe alama ya “Account Payee Only/Not Negotiable” na lazima malipo yafanyike kwa jina la Akaunti ya Mteja. (ii) Hati yoyote, iwe inahamishika au isiyohamishika, ya aina yoyote ile, itakubaliwa na Benki kwa ajili ya kuwekwa au kukusanywa kwa dhamana ya Mteja mwenyewe. Benki, bila kutoa taarifa ya awali, ina haki ya kubatilisha miamala yoyote katika Akaunti na kutoza kiasi chochote kilichoingizwa kama mkopo kuhusiana na hati za ahadi ya malipo, hawala za fedha, hundi au hati nyinginezo zilizoingizwa katika Akaunti ambazo baadaye zitarudishwa bila kulipwa kwa sababu yoyote ile, iwe Benki ilimjulisha Mteja au vinginevyo kuhusu miamala na mikopo hiyo. Kubatilisha miamala na kutoza kiasi hicho hakuathiri haki ya Benki ya kuhifadhi hati hizo ambazo hazijalipwa na kutumia kwa manufaa yake haki zote zinazohusiana na hati hizo. (iii) Benki haitachukua jukumu lolote wala kuwajibika kwa thamani itakayowekwa kwa fedha na mlengwa au benki mshirika, mradi tu Benki imetekeleza maelekezo ya Mteja. (iv) Benki hufanya kazi kama wakala wa makusanyo wa Mteja pekee, na haitachukua jukumu lolote katika utekelezaji au ufanikishaji wa hati zozote zilizowekwa Benki kwa ajili ya kukusanywa; na (v) Majadiliano na ukusanyaji wa hati zinazoweza kuhamishwa zilizoainishwa katika Fedha za Kigeni, yatakuwa chini ya Kanuni za Chama cha Kimataifa cha Wafanyabiashara kama zilivyo sasa au kama zitakavyorekebishwa na/au kubadilishwa hapo baadaye.

9. Malipo ya Fedha

(i) Benki itamlipa Mteja kwa fedha baada ya kuwasilishwa kwa hundi iliyosainiwa ipasavyo na Mtia Saini Aliyeidhinishwa tu. (ii) Pale ambapo hundi itawasilishwa na mtu mwingine yeyote mbali na Mteja kwa ajili ya malipo ya fedha, Benki inaweza kuhitaji uthibitisho kutoka kwa Mtia Saini Aliyeidhinishwa kabla ya kufanya malipo kwa mtu huyo; na (iii) Pale ambapo Mtia Saini Aliyeidhinishwa ataiomba Benki kufanya malipo kwa mujibu wa kifungu kidogo (ii) hapo juu, Mteja ataifidia Benki kikamilifu na bila masharti yoyote kwa malipo yote yatakayofanywa na mwenye hundi, iwe fedha hizo zitapokewa na Mteja au vinginevyo, na iwe maelekezo ya malipo ni maelekezo halisi ya Mteja au vinginevyo.

10. Utoaji wa Fedha na Malipo

(i) Kwa kuzingatia kikomo cha kila siku cha utoaji fedha (kama kipo), Salio Lililopo linalotosheleza na Vigezo na Masharti Mahususi ya Akaunti, Mteja anaweza kutoa fedha na/au kufanya malipo kutoka katika Akaunti. (ii) Mteja hataruhusiwa kutoa fedha kinyume, na Benki haitalazimika kufanya malipo kinyume na hundi au malipo mengine ambayo hayajathibitishwa.

11. Maombi ya Fedha kwa Wakati Mmoja

Endapo Benki itapokea maelekzo kadhaa kutoka kwa Mteja kwa ajili ya utoaji na/au malipo kutoka katika Akaunti kwa takribani wakati mmoja, kiasi kwamba jumla ya kiasi kinachoombwa kuzidi Salio Lililopo, Benki, kwa hiari yake kamili na ya pekee, inaweza kutekeleza baadhi ya maelekezo hayo kwa mpangilio na/au kwa namna itakayoona inafaa.

12. Tozo na Gharama za Benki

(i) Benki itakuwa na haki ya kulipwa na Mteja, na itakuwa huru kutoza Akaunti kwa: (ii) gharama zote ambazo Benki itatumia na katika kushughulikia au kujaribu kushughulikia hundi au malipo mengine yoyote yatakayoingizwa katika Akaunti ya Mteja; (iii) riba (ikiwamo riba ya ucheleweshaji na/au riba ya ziada, endapo itakuwapo) kwenye Akaunti iliyotolewa zaidi salio, akaunti ya mkopo au nyinginezo. (iv) huduma nyingine yoyote ya mkopo iliyotolewa na Benki kwenda kwa Mteja, kwa kiwango cha riba cha mwaka na kwa njia ya kuhesabu na kujumlisha riba kama itakavyoamuliwa na Benki kwa hiari yake kamili, bila kutoa taarifa kwa Mteja (kwa kuzingatia mipaka inayoruhusiwa kisheria); (v) ada za kisheria na/au kitaaluma, pale inapohitajika, kwa misingi ya wakili/mteja, zitakazotumika na Benki katika kupata ushauri wowote wa kisheria na/au kitaaluma unaohusiana na Akaunti, maandalizi ya nyaraka zozote zinazohusu huduma ya mkopo ya Mteja na/au miamala yoyote ya Mteja na Benki; (vi) ada za ushughulikiaji, ada za ahadi za mikopo, kamisheni na ada nyinginezo, kwa viwango, nyakati na kwa namna ambayo Benki itaamua katika vipindi mbalimbali; na (vii) gharama na tozo zote nyingine zinazotozwa na Benki kama zilivyoainishwa kwa kina katika Ada za Benki (nakala yake inapatikana kwa maombi).

13. Taarifa za Akaunti

(i)  Benki itampatia Mteja taarifa ya Akaunti mara kwa mara ikionesha miamala yote iliyofanyika katika Akaunti. Benki inaweza pia (kwa maombi ya maandishi ya Mteja na baada ya kulipwa kwa ada inayohusika) kumpatia Mteja taarifa za ziada na/au kutoa taarifa kwa vipindi vitakavyokubaliwa kati ya Benki na Mteja; na (ii)  Maudhui ya taarifa yoyote iliyotolewa na Benki kwa Mteja ambayo Mteja hajapinga ndani ya siku ishirini na nane (28) tangu kupokewa kwake, yatachukuliwa kuwa yamekubaliwa na Mteja na, pasipo kuwapo kosa lililo wazi, yatakuwa uthibitisho kamili wa miamala yote iliyofanyika katika Akaunti na hayataweza kupingwa na Mteja kwa sababu yoyote ile; (iii) Kwa madhumuni yote, ikiwamo mashauri ya kisheria, cheti kilichosainiwa na mkurugenzi yeyote, meneja na/au Mtia Saini Aliyeidhinishwa wa Benki kuhusu jambo lolote linalohusiana na Akaunti na/au Deni lolote, pasipo kuwapo kosa lililo wazi, kitakuwa uthibitisho kamili dhidi ya Mteja kuhusiana na jambo hilo na/au deni linalohusika.

14. Malipo ya Kawaida/Makato ya Moja kwa Moja

Benki inaweza kumruhusu Mteja kufanya makato au utoaji wa fedha wa moja kwa moja kwa njia ya kiotomati (kama vile Makato ya Moja kwa Moja au Malipo ya Kawaida) kutoka katika Akaunti, isipokuwa kama Vigezo na Masharti Mahususi ya Akaunti yanasema vinginevyo. Miamala yote hiyo itatekelezwa kwa hiari ya Benki, na Benki ina haki ya kutotekeleza maelekezo yoyote yanayohusiana na Makato ya Moja kwa Moja au Malipo ya Kawaida pale ambapo Salio Lililopo halitakuwa linalotosheleza.

15. Makosa ya Uhasibu na Uwasilishaji

(i)  Benki, bila kutoa taarifa ya awali kwa Mteja, ina haki ya kutoza kiasi chochote kilichoingizwa kimakosa katika Akaunti na/au kubatilisha maingizo yoyote yaliyofanywa kimakosa katika Akaunti. Benki haitawajibika kwa athari zozote zitakazotokana na kutoza na/au kubatilisha maingizo hayo. Kiasi chochote kilichoingizwa kimakosa na Benki katika Akaunti na kutumiwa na Mteja kitapaswa kilipwe haraka kwa Benki, pamoja na riba zote zinazohusika zilizopatikana, ndani ya saa ishirini na nne (24) tangu Benki ilipowasilisha madai ya malipo hayo kwa Mteja. (ii)  Maelekezo ya malipo, miamala ya ubadilishaji fedha, pamoja na ununuzi na uuzaji wa dhamana nchini Tanzania au kwingineko, yanayotekelezwa na Benki kwa niaba ya Mteja, yatafanywa kwa gharama ya Mteja mwenyewe. Benki, washirika wa benki, wafanyakazi wake, hawatawajibika kwa dosari, upotoshaji au upungufu wowote (ikiwamo japo bila ukomo, mifumo ya nyaya, usafiri wa anga, huduma za usafirishaji wa haraka, baruapepe, teleksi au faksi) utakaojitokeza kwa namna yoyote ile.

16. Riba

(i)  Riba italipwa tu kwa salio la mkopo lililopo katika Akaunti inayozalisha riba. Riba itahesabiwa kwa kiwango ambacho Benki itaamua na kubadilisha katika vipindi mbalimbali. (ii)  Riba italipwa na kuingizwa katika Akaunti kwa namna ilivyoainishwa katika Vigezo na Masharti na Mahususi ya Akaunti; na (iii) Riba itahesabiwa kwa jumla, na Kodi yoyote ambayo Benki inatakiwa kulipa itakatwa kutoka katika Akaunti.

17. Huduma ya Mikopo Iliyowekwa na Benki kwa Ajili ya Mteja

Baada ya Mteja kuwasilisha maombi sahihi, Benki, kwa hiari yake kamili na ya pekee, inaweza kumpatia Mteja huduma ya mkopo, na itakuwa na haki ya kutoza Akaunti kwa riba zote, kamisheni, gharama, matumizi na tozo nyinginezo (ikiwamo tozo za kibenki na kisheria) zitakazotumika kuhusiana na utoaji wa huduma hiyo ya mkopo.

18. Urejeshaji wa Fedha Zilizotolewa Zaidi katika Akaunti

(i)  Mteja hatakiwi kutoa fedha katika Akaunti kinyume na kiwango cha chini kilichoainishwa kwa Akaunti inayohusika (au kuzidisha kiwango cha ukomo cha mkopo wa ziada kilichotolewa na kuidhinishwa na Benki kwa Akaunti hiyo) bila ridhaa ya maandishi ya awali ya Benki. Benki itakuwa huru, kwa hiari yake kamili na ya pekee, kukataa hundi, kufanya malipo na/au kuruhusu utoaji wa fedha endapo athari yake itakuwa ni kutoa kiasi cha Akaunti zaidi ya kiwango cha chini cha salio lililoainishwa au kuzidisha kiwango cha ukomo kilichoidhinishwa; na (ii) Endapo Akaunti itatolewa zaidi ya kiwango cha chini cha salio kilichoainishwa au kuzidisha kiwango cha ukomo kilichoidhinishwa bila ridhaa ya maandishi ya awali ya Benki, Mteja atalipa (ikiwamo bila ukomo) ada zitakazoainishwa na Benki pamoja na riba ya ziada kwa kiasi kinachohusika cha kiwango cha chini cha salio au kiasi kilichozidi ukomo kilichoidhinishwa (katika kifungu hiki vinajulikana kwa pamoja kama “kiasi kinachodaiwa”), kwa kiwango au viwango na kwa njia ya kuhesabu na kujumlisha riba kama itakavyoamuliwa na Benki kwa hiari yake kamili, hadi kiasi hicho kitakapolipwa kikamilifu. Benki pia itakuwa huru kudai kutoka kwa Mteja urejeshaji wa haraka na kamili wa kiasi chote kinachodaiwa, pamoja na riba yote iliyopatikana juu yake na gharama, tozo na matumizi mengine yote yanayotokana na hali hiyo.

19. Haki ya Zuio ya Benki

(i) Endapo kutakuwa na Deni, Benki itakuwa na haki ya kuweka zuio la jumla kuhusu mali zote za Mteja zilizo katika umiliki wa Benki, ikiwamo (bila ukomo) fedha, bidhaa, dhamana au vitu vya thamani vinavyoshikiliwa na Benki, hundi zilizowasilishwa kwa ajili ya malipo, amana na mali nyingine yoyote (inayohamishika au isiyohamishika) iliyowekwa rehani au kudhaminiwa kwa namna yoyote na Mteja kwa manufaa ya Benki ili kuhakikisha urejeshaji wa Deni; na (ii) Benki, wakati wowote, iinaweza kumpa Mteja notisi ya maandishi kwamba iwapo Deni halitalipwa ndani ya muda uliobainishwa, Benki, bila notisi nyingine yoyote kwa Mteja, inaweza kutekeleza haki na hatua zake zozote chini ya Dhamana yoyote ili kurejesha Deni hilo.

20. Haki ya Benki ya Kulipwa Deni

(i)   Shughuli zote kati ya Benki na Mteja, za aina yoyote ile, zitachukuliwa na Benki kwa madhumuni yote kuwa ni akaunti moja iliyounganishwa, isiyotenganishwa wala kugawanyika, na Benki: (ii)  Bila kutoa notisi, inaweza kutumia salio lolote la mkopo lililopo katika Akaunti (iwe ni akaunti ya hundi, ya mkopo, ya akiba, ya amana ya muda au aina nyingine yoyote ya akaunti, au katika akaunti ya mtu mwingine yeyote ambaye Mteja amekubali kumdhamini) kulipa Deni lolote linalodaiwa na Benki kutoka kwa Mteja au mtu mwingine yeyote ambaye Mteja amekubali kuwa mdhamini wake. Haki hii ya kulipwa deni kwa salio itaongezeka juu yake, na haitapunguza wala kuathiri, haki nyingine zozote za Benki za kurejesha madeni; (iii) Kubadilisha, kwa viwango vya ubadilishaji vya Benki vinavyotumika wakati huo, fedha zozote zinazoshikiliwa na Benki katika Fedha za Kigeni ambazo ziko chini ya haki ya zuio ya Benki, na kisha kutekeleza haki ya Benki ya Kulipwa Deni kwa Kutumia Salio. Benki haitawajibika kwa hasara yoyote itakayosababishwa na ubadilishaji huo wa fedha; na (iv) Kulipa deni kwa amana ya muda (ikiwamo ile iliyowekwa katika Fedha za Kigeni na/au kwa kipindi maalumu) na kutekeleza haki ya Benki ya Kulipwa Deni kwa Kutumia Salio, hata kama muda wa amana hiyo haujaisha au riba haijapatikana.

21. Mabadiliko ya Uhusiano na Kufungwa kwa Akaunti

(i)   Mteja, baada ya kutoa kwa Benki notisi ya maandishi ya siku thelathini (30) au notisi nyingine kama Benki itakavyoona inafaa, anaweza kufunga Akaunti, kwa sharti la kulipwa kwa Deni lolote lililopo; (ii) Benki inaweza wakati wowote, baada ya kumpa Mteja notisi, kusitisha au kubadilisha uhusiano wake wa kibiashara na Mteja na/au kufunga Akaunti, na inaweza kumtaka Mteja kulipa Deni lolote litakalotokana na uamuzi, mabadiliko na/au kufungwa huko; na (iii) Endapo Benki itasitisha au kubadilisha uhusiano wake na Mteja na/au kufunga Akaunti, itakuwa ni jukumu la Mteja peke yake kuwajulisha wahusika wengine wowote kuhusu kusitishwa, kubadilishwa na/au kufungwa huko.

22. Kufungiwa Akaunti

Benki, kwa hiari yake kamili, inaweza wakati wowote kukataa kupokea au kutekeleza maelekezo yoyote yanayohusiana na Akaunti, kwa muda wote ambapo:

• kuna mgogoro wowote kati ya Mteja na Benki; au
• Benki ina sababu yoyote ya kushuku kuwa udanganyifu umefanyika au una uwezekano wa kufanyika; au
• Akaunti inatumika au ina uwezekano wa kutumiwa na Mteja kwa miamala isiyo halali na/au kinyume cha sheria; au
• Benki ina shaka, kwa sababu yoyote ile, kwamba ama Mteja si mtu anayestahili kuendesha Akaunti au kuna mgogoro wowote kuhusiana na Mamlaka; au
• Benki iko chini ya wajibu wa kisheria kufanya hivyo.

23. Kitabu cha Hundi

(i)   Kitabu cha Hundi kitatolewa na Benki kwa Mteja kwa hiari ya Benki pekee, kwa kuzingatia Vigezo na Masharti ya Kitabu cha Hundi yaliyobainishwa katika kifungu hiki na yaliyochapishwa ndani ya jalada la Kitabu cha Hundi. (ii)  Benki inaweza kutoza ada kwa ajili ya utoaji wa Kitabu cha Hundi na Kitabu chochote cha ziada cha Hundi kitakachotolewa kwa Mteja. (iii)  Benki inaweza kukataa kufanya malipo kwa Mteja au mtu mwingine yeyote kwa hundi yoyote ambayo haijaandaliwa kwa mujibu wa Vigezo na Masharti ya Kitabu cha Hundi yaliyoainishwa hapa chini: (iv)  Mteja anapaswa aandike, aweke tarehe na atie saini hundi kwa maandishi yaliyo wazi, kwa kutumia wino unaosomeka (ikiwezekana wa buluu au mweusi), katika fedha ya Akaunti, kwa kiasi kisichozidi Salio Lililopo. (v)    Wakati wa kuandika Hundi: (vi)   kiasi kinapaswa kioneshwe kwa maneno na kwa tarakimu, kwa namna itakayozuia kuongezwa kwa neno au tarakimu nyingine yoyote na/au kuzuia mabadiliko ya udanganyifu. (vii)   Hundi inapaswa isainiwe na Mtia Saini Aliyeidhinishwa kwa mujibu wa masharti ya Mamlaka. (viii) mabadiliko yoyote kwenye Hundi yanapaswa yatiwe saini na Mtia Saini Aliyeidhinishwa kwa ajili ya uthibitisho kwa mujibu wa masharti ya Mamlaka. (ix) kuondolewa kokote kwa mistari ya Hundi kunapaswa kufanywe na Mtia Saini Aliyeidhinishwa kwa mujibu wa masharti ya Mamlaka. (x)  hakuna Hundi isiyokamilika itakayotolewa kwa mtu yeyote; na (xi)  Hundi zote ambazo hazijakamilishwa zinapaswa zihifadhiwe mahali salama wakati wote. (xii)  Mteja anapaswa ahesabu idadi ya Hundi zilizomo katika Kitabu cha Hundi wakati wa kupokea Kitabu hicho na wakati wote wa matumizi yake. Endapo Hundi yoyote itabainika kupotea au kukosekana, Mteja anapaswa kuijulisha Benki haraka. (xiii) Benki inaweza kukataa kupokea Hundi endapo tarehe ya hundi ni zaidi ya miezi sita (6) iliyopita au endapo tarehe ya Hundi ni ya siku zijazo. (xiv) endapo Mteja atataka Benki isimamishe malipo ya Hundi, atapaswa aiombe kwa maandishi haraka ili itekeleze kusudi lake hilo. Baada ya kupokea notisi ya maandishi ya kusimamisha malipo ya hundi kutoka kwa Mteja, (xv) Benki itainakili notisi hiyo na kusimamisha malipo mradi notisi hiyo imepokewa kabla ya muamala unaotakiwa kusimamishwa haujafanyika. Benki inabaki na haki ya kutoza ada za kiuendeshaji kwa kusimamisha malipo ya Hundi. (xvi) Benki haitawajibika kwa namna yoyote kwa Mteja, na Mteja ataifidia Benki kikamilifu dhidi ya madai yoyote ya mtu mwingine endapo Benki itafanya malipo kwa niaba ya Mteja kupitia Hundi ambayo inadhaniwa kuwa imetolewa na Mteja, lakini saini au maudhui ya Hundi hiyo na/au maelekezo ya maandishi yameghushiwa, iwapo:

• Mteja amechangia au kuwezesha kughushi huko; au
• kumekuwapo na kughushi hapo awali kwa Hundi ya Mteja au hati ya maelekezo bila Mteja kupinga malipo hayo hapo awali,

(xvii) Benki hufanya kazi kama wakala wa ukusanyaji wa Mteja pekee, na endapo Hundi ya Mteja au hati nyingine yoyote ya mtu mwingine itapotea au kuibwa ikiwa chini ya usimamizi wa Benki, Benki haitawajibika kwa hasara yoyote ya faida au fursa itakayompata Mteja au mtu mwingine yeyote na/au kwa ada zozote zitakazotumika kwa Mteja au mtu mwingine yeyote katika kusimamisha malipo ya hati hiyo, hata pale ambapo Benki imekuwa na uzembe.

24. Akaunti za Pamoja

Vigezo na Masharti Mahususi yafuatayo yatatumika katika Akaunti za Pamoja: (i)  pale ambapo Akaunti ya Pamoja inaendeshwa chini ya Mamlaka iliyoainishwa kwa Kiingereza kama ‘Either/or Survivor’: kila Mteja wa Akaunti ya Pamoja anaidhinishwa kuendesha Akaunti ya Pamoja peke yake, na itachukuliwa kuwa maelekezo yanayotolewa na Mteja mmoja kwenye Akaunti ya Pamoja yameidhinishwa na Mteja/Wateja wengine wa Akaunti ya Pamoja. (ii)  pale Akaunti ya Pamoja inapoendeshwa chini ya Mamlaka iliyoainishwa kwa lugha ya Kiingereza kama ‘Jointly’: kila Mteja wa Akaunti ya Pamoja anaidhinishwa kuendesha Akaunti ya Pamoja akiwa tu pamoja na wateja wengine wote wa Akaunti ya Pamoja (au kama ilivyobainishwa katika Mamlaka). Benki haitawajibishwa kwa kukataa kutekeleza maelekezo au kwa kuchelewa kukubali maelekezo ambayo hayajatolewa na Wateja wote wa Akaunti ya Pamoja. (iii) endapo Mteja yeyote wa Akaunti ya Pamoja atatoa maelekezo yanayopingana, au yanayoonekana kupingana, na maelekezo yaliyotolewa na Mteja/Mateja wengine wa Akaunti ya Pamoja, Benki inaweza kukataa kutekeleza maelekezo hayo hadi mgongano huo utakapotatuliwa kwa namna itakayoiridhisha Benki pasipo kuwa na shaka; na (iv) kila Mteja wa Akaunti ya Pamoja atawajibika kwa pamoja na kila mmoja kulipa Deni lolote linalohusiana na Akaunti ya Pamoja.

25. Amana ya Kudumu

Benki, kwa hiari yake pekee, inaweza kupokea fedha katika fedha maalumu kutoka kwa Mteja ili ziwekwe katika Akaunti ya amana inayozalisha riba kwa kipindi maalumu. Vigezo na Masharti Mahususi yatakayoainishwa na Benki kuhusiana na Akaunti hizo yatatumika, na endapo kutakuwa na tofauti kati ya Vigezo na Masharti haya ya Jumla na Vigezo na Masharti hayo Mahususi, Vigezo na Masharti Mahususi yatatumika.

26. Akaunti za Fedha za Kigeni

Kwa kuzingatia kanuni zozote za ubadilishaji fedha (pale zinapohusika): (i)  Benki inaweza kuendesha Akaunti katika Fedha za Kigeni. (ii) Benki, kwa maombi ya Mteja, inaweza kuingiza au kutoza Akaunti kwa fedha ambayo si fedha iliyoainishwa kwa Akaunti hiyo, na inaweza kubadilisha kiasi hicho kilichotozwa au kuingizwa kwa kiwango cha ubadilishaji kinachotumika Benki wakati huo; na (iii) Akaunti ya Fedha za Kigeni itaendeshwa na Mteja kwa dhamana ya Mteja mwenyewe, ikijumuisha (bila ukomo) madhara ya hatua zozote za kisheria, kikodi au nyinginezo zitakazoathiri Akaunti ya Fedha za Kigeni.

27. Akaunti Zisizo Hai

(i)  Akaunti itachukuliwa kuwa si hai pale itakapobaki bila kuendeshwa kwa kipindi kitakachoainishwa katika Vigezo na Masharti Mahususi ya Akaunti au kama Benki itakavyoamua katika vipindi mbalimbali; na (ii)  Benki inaweza (ikiwamo bila ukomo) kuhusisha sharti moja au zaidi kati ya masharti yafuatayo kwa Akaunti itakapopangwa kuwa isiyo hai:

• kuthibitisha uhalali na ukweli wa muamala wa kwanza wa kuihuisha Akaunti;
• kusitisha ulipaji wa riba (pale inapohusika);
• kusitisha utoaji wa Taarifa za Akaunti; na
• kutoza ada ya matengenezo kama itakavyoamuliwa na Benki katika vipindi mbalimbali.

28. Makato

Malipo yote yanayotakiwa kufanywa na Mteja kwenda Benki kwa mujibu wa Vigezo na Masharti haya ya Jumla au vinginevyo, yatafanywa kwa fedha zinazopatikana haraka bila haki ya benki ya kukata fedha, dai la kupinga au makato ya Kodi ya aina yoyote, isipokuwa pale sheria inapohitaji; ambapo, katika hali hiyo, Mteja atalipa kwa Benki kwa wakati huohuo anapofanya malipo yanayohusika, kiasi cha ziada kitakachohakikisha kwamba Benki inapokea kiasi kamili ambacho vinginevyo kingeweza kupokewa na Benki.

29. Malalamiko

Benki inaweza kuhitaji kwamba malalamiko yoyote yanayotolewa na Mteja kuhusiana na Akaunti yawe kwa maandishi. Benki itashughulikia malalamiko hayo haraka iwezekanavyo kwa namna inayokubalika, baada ya kupokea malalamiko.

30. Uwajibikaji

(i) Benki haitawajibika kwa Mteja kwa: (a)  hasara yoyote ya faida au fursa au matokeo ya hasara yoyote au dosari yoyote ya sifa ya Mteja. Benki haitawajibika kwa namna yoyote kwa Mteja au mtu mwingine kwa kufanya malipo kwa niaba ya Mteja au kwa kutekeleza maelekezo yoyote ya maandishi yanayodhaniwa kuwa yametolewa na Mteja hata kwa uzembe, iwapo saini au maudhui ya maelekezo ya maandishi yameghushiwa, endapo Mteja amesaidia kughushi huko na/au endapo kumewahi kuwapo kwa kughushi hapo awali kwa hundi ya Mteja au hati ya maelekezo ambayo Mteja hajawahi kupinga hapo awali, na/au endapo Benki imechukua tahadhari stahiki na kutenda kwa nia njema katika kufanya malipo hayo; (b) kutenda au kutotenda kokote, ikiwamo uvunjaji wowote wa wajibu wake chini ya Vigezo na Masharti haya ya Jumla, kunakosababishwa na mazingira yaliyo nje ya udhibiti wa kawaida na wa msingi, ikiwamo (bila ukomo) moto, mgomo, uasi au ghasia, vikwazo vya kibiashara, ugaidi au vitendo vya maadui, ucheleweshaji wa usafirishaji, au matakwa au kanuni za mamlaka yoyote ya kiraia au kijeshi. Hata hivyo, kwa masuala kama wizi na uvunjaji, Benki itawajulisha wateja walioathirika haraka iwezekanavyo mradi tu kanuni za usiri hazitakiukwa na hatua hiyo haitaingilia uchunguzi wa ndani na/au wa polisi; (c) (pale ambapo Benki inaendesha Akaunti kwa kutumia kifurushi cha programu au mfumo mwingine wa uhasibu) kushindwa kufanya kazi kwa programu hiyo kunakotokea moja kwa moja au kwa njia isiyo ya moja kwa moja kutokana na (ikiwamo bila ukomo) mabadiliko mabaya ya umeme au uharibifu unaotokana na moto, maji, ajali, kumwagika kwa vimiminiko, kuunganisha kwenye umeme usio sahihi, nyaya za umeme zenye hitilafu au zisizo sahihi, au muunganisho usio sahihi. (ii) Kwa kuzingatia Vigezo na Masharti haya ya Jumla, pale ambapo Benki itabainika kuwajibika kwa Mteja kwa hasara, madhara au dosari zinazotokana na ucheleweshaji au kosa la makusudi au la uzembe katika kutekeleza maelekezo ya Mteja yaliyo wazi na yasiyo na utata, dhima ya Benki itakuwa kiasi cha chini kati ya:

• kiasi cha hasara, madhara au dosari hizo; au
• kiasi cha riba ambayo Mteja hakupokea, au riba ambayo Mteja analazimika kulipa kutokana na kushindwa, ucheleweshaji au kosa hilo.

31. Uhalali wa Nyaraka

(i) Benki haiwajibiki kwa ukweli, uhalali wa kisheria, usahihi wa taratibu au thamani ya nyaraka, ikiwamo (bila ukomo) hati za mizigo, maagizo ya utoaji, nyaraka za usafirishaji, stakabadhi, waranti na hati za bima.

32. Mawasiliano

(i) Mawasiliano yoyote ya maandishi kutoka kwa Benki kwenda kwa Mteja, ikiwamo (bila ukomo) notisi yoyote inayotolewa kwa mujibu wa Vigezo na Masharti haya ya Jumla, yatachukuliwa kuwa yamepokewa na Mteja:

• endapo itakabidhiwa kwa mtu, katika tarehe na saa ya kukabidhiwa;
• endapo itatumwa kwa posta, siku ya nne tangu tarehe ya kutumwa;
• endapo itatumwa kwa barua inayosafirishwa kwa ndege, siku ya saba tangu tarehe ya kutumwa;
• endapo itatumwa kwa teleksi, pale jibu sahihi la kuthibitisha litakapopokewa;
• endapo itatumwa kwa SWIFT, pale ujumbe wa SWIFT uliothibitishwa kupokewa utakapopokewa;
• endapo itatumwa kwa faksi, baada ya kukamilika kwa uwasilishaji;
• endapo itatumwa kwa baruapepe au ujumbe mfupi wa maandishi, iwapo itatumwa kwenda kwenye anwani sahihi ya baruapepe au namba ya simu ya mkononi kama ilivyotajwa na Mteja katika Fomu ya Maombi au kama Mteja alivyoijulisha Benki katika vipindi mbalimbali; na, kwa upande wa utumaji kwa posta, itatosha kuthibitisha kwamba barua yenye mawasiliano hayo ilikuwa imewekewa stempu ipasavyo na kuandikiwa anwani sahihi, bila kujali kama itakuwa haikuwasilishwa au itarejeshwa bila kuwasilishwa.

(ii)  Mteja hatakuwa na madai yoyote dhidi ya Benki kwa madhara yoyote yanayotokana na upotevu, ucheleweshaji, kutokuelewana, uharibifu wa maudhui, urudufu, au kasoro nyingine yoyote inayotokana na uwasilishaji wa mawasiliano yoyote, iwe ni kwenda au kutoka kwa Mteja, Benki au mtu mwingine, kwa njia ya kukabidhi, posta, faksi, telegrafu, simu, teleksi au njia nyingine yoyote ya mawasiliano ya mtandao.

33. Utoaji wa Unafuu

Unafuu au upendeleo wowote utakaotolewa na Benki kwa Mteja hautaathiri wajibu wa Mteja kwa Benki wala haki za Benki dhidi ya Mteja.

34. Usiri

(i)  Benki inathamini faragha ya Mteja na ina sera ya kuweka kwa siri taarifa na/au nyaraka zinazomhusu Mteja na/au Akaunti. Hata hivyo, katika mazingira fulani, Benki inaweza kuweka wazi taarifa na/au nyaraka hizo kwa mtu yeyote kuhusiana na tukio la sasa au linalotarajiwa la kushindwa kutimiza wajibu kwa upande wa Mteja. Haki hii ya kuweka wazi inajumuisha pia kuweka wazi taarifa chini ya Vigezo na Masharti haya ya Jumla (ikiwamo uhamishaji au ugawaji wa haki na wajibu wote wa Benki chini ya Vigezo na Masharti haya ya Jumla). (ii) Mteja anaiidhinisha Benki kujibu, iwapo itaona inafaa, maswali yote (ikiwamo bila ukomo marejeo ya kibenki) yanayopokewa kutoka kwa benki nyingine yoyote, taasisi ya kifedha au mtu yeyote anayetoa mikopo au huduma za kifedha, kuhusiana na Akaunti, bila kumrejea Mteja. (iii) Benki inaweza pia kuweka wazi taarifa na/au nyaraka zinazohusiana na Akaunti katika mazingira yafuatayo:

• kwa ofisi yoyote ya kumbukumbu za mikopo na kwa benki na taasisi nyingine za kifedha, pamoja na taasisi za usimamizi na tathmini za mikopo;
• kwa mtu yeyote anayetoa taarifa au huduma kwa Benki (ikiwamo bila ukomo kampuni mama au za kundi, kampuni tanzu au wahusika wanaohusiana), kwa masharti kwamba taarifa hizo zitahifadhiwa kwa siri na hazitasambazwa zaidi; na
• pale Benki inapokuwa chini ya wajibu wa kisheria au wa kimkataba kufanya hivyo (ikiwamo bila ukomo wajibu wa kisheria na/au wa kimkataba wa Benki wa kuzuia utakatishaji fedha na makosa yanayohusiana) na/au pale ambapo ni kwa maslahi ya umma.

35. Uhamishaji wa Haki

Benki itakuwa na haki kamili na isiyo na kizuizi ya kuhamisha na/au kukabidhi kwa mtu yeyote haki, manufaa na wajibu wake wote au sehemu yake chini ya Vigezo na Masharti haya ya Jumla na/au chini ya Vigezo na Masharti Mahususi, wakati wowote, bila kutoa taarifa kwa Mteja.

36. Tafsiri

(i)  Maneno “Mteja” na/au “mtu” na/au “wahusika” yatamjumuisha mtu binafsi, kampuni, ubia, chombo kilichosajiliwa au cha kisheria, dola, wakala wa dola au mamlaka ya serikali kwa jina au mtindo wowote; na pale ambapo watu wawili au zaidi wamejumuishwa katika neno “Mteja” na/au “mtu” na/au “wahusika”, neno hilo litamjumuisha kila mmoja wao peke yake na/au wote kwa pamoja. (ii) Marejeo ya maneno yanayoonesha umoja yatachukuliwa kujumuisha wingi na kinyume chake, na marejeo ya jinsi ya kiume yatachukuliwa kujumuisha jinsi ya kike na bila jinsi, na kinyume chake. (iii) Wajibu wowote unaowekwa au unaotokana na Vigezo na Masharti haya ya Jumla ambao unachukuliwa na zaidi ya mtu mmoja utakuwa ni wajibu wa pamoja na wa kila mmoja, wa kila mtu aliyeuchukua, iwe kama mdaiwa mkuu, mdhamini, mtoaji fidia, au vinginevyo; na (iv) Kila kifungu cha Vigezo na Masharti haya ya Jumla ni tofauti na kinatenganishwa na vingine. Endapo wakati wowote kifungu chochote cha Vigezo na Masharti ya Jumla kitakuwa kinyume cha sheria, batili au kisichotekelezeka kwa namna yoyote ile, basi uhalali, utekelezekaji na nguvu ya vifungu vilivyobaki haitaathiriwa wala kudhoofishwa kwa sababu hiyo.

37. Marekebisho

(i) Benki inaweza kurekebisha Vigezo na Masharti ya Jumla, Vigezo na Masharti Mahususi yoyote na/au Ada za Benki (kwa ujumla au kwa sehemu) wakati wowote. Taarifa ya marekebisho hayo inaweza kutolewa kwa Mteja kwa maandishi au kwa kuchapishwa kwa njia yoyote itakayoamuliwa na Benki; hata hivyo, marekebisho yoyote, yawe yamearifiwa au vinginevyo, yatamfunga Mteja; na (ii) Benki inaweza kuanzisha aina mpya ya Akaunti ambayo Vigezo na Masharti Mahususi yatahusika. Endapo kutakuwa na mgongano wowote kati ya Vigezo na Masharti haya ya Jumla na Vigezo na Masharti Mahususi, Vigezo na Masharti Mahususi yatatumika.

38. Mawasiliano ya Fidia

Mteja anakubali kuifidia na kuilinda Benki dhidi ya madai yote, matakwa, hasara, gharama, dosari, dhima na matumizi ya aina yoyote ile (ikiwamo Kodi zozote, ada za kisheria (bili, pale inapofaa, kwa misingi ya wakili/mteja) zinazotumika, matatizo yaliyosababishwa na Benki (au na mtu mwingine yeyote kwa niaba ya Benki) kuhusiana na:

• majadiliano, maandalizi, utekelezaji, utoaji, utozaji stempu au usajili (iwe kwa sehemu au kwa ukamilifu) wa Dhamana yoyote;
• uhifadhi au utekelezaji (au jaribio la kuhifadhi au kutekeleza) wa haki zozote za Benki chini ya au kuhusiana na utekelezaji (au jaribio la utekelezaji) wa Vigezo na Masharti ya Jumla, Vigezo na Masharti Mahususi na/au Dhamana yoyote;
• marekebisho yoyote halisi au yanayopendekezwa, au msamaha wowote kuhusiana na Dhamana yoyote;
• kufutwa au kuachiliwa kwa Dhamana yoyote; na
• miamala yoyote au upatikanaji wa ushauri wa kitaalamu na/au mwingine wowote kuhusu jambo au swali lolote linalotokana au kuhusiana na Vigezo na Masharti ya Jumla, Vigezo na Masharti Mahususi na/au Dhamana yoyote.

39. Sheria Inayotumika

Vigezo na Masharti ya Jumla na Vigezo na Masharti Mahususi yoyote yataongozwa na kutafsiriwa kwa mujibu wa sheria za Jamhuri ya Muungano wa Tanzania, na Mteja anakubali kuwa chini ya mamlaka ya Mahakama ya Jamhuri ya Muungano wa Tanzania.  

VIGEZO NA MASHARTI YANAYOSIMAMIA MATUMIZI YA HUDUMA ZA KIDIJITI/KIZAZI KIPYA ZA BENKI YA I&M

1. Ufafanuzi na Tafsiri

1.1 Katika Vigezo na Masharti haya (“Vigezo na Masharti ya Kidijiti/Kizazi Kipya”), ikijumuisha Jedwali lolote, isipokuwa kama muktadha utahitaji vinginevyo:

(a) “Maelezo ya Upatikanaji wa Mfumo” maana yale ni taarifa na/au nyaraka zinazohifadhiwa na Benki kuhusiana na Mteja na/au Mtumiaji Aliyeteuliwa, kwa madhumuni ya upatikanaji wa Mteja na/au Mtumiaji Aliyeteuliwa katika Mfumo na/au matumizi ya Huduma. (b) “Fomu ya Maombi” maana yake ni fomu inayojazwa kwa ajili ya usajili wa kupatiwa Huduma. (c) “Mshirika” maana yake ni ileile kama ilivyofafanuliwa chini ya vifungu vinavyohusika vya Sheria ya Benki na Taasisi za Fedha. (d) “Benki” maana yake ni I&M Bank (T) Limited, ikijumuisha (bila ukomo) warithi wake wa kisheria na waliokabidhiwa haki na wajibu (iwe ni kwa uasili wake au kwa kupitishwa), pamoja na Tawi au Kampuni Tanzu yoyote itakayobainishwa na Benki kwa Mteja katika vipindi mbalimbali. (e) “Siku ya Kazi za Benki” maana yake ni siku ambayo kaunta za Tawi na/au Kampuni Tanzu (kama itakavyohusika) huwa wazi kwa ajili ya kufanya shughuli za kawaida za kikazi. (f) “Tawi” maana yake ni (ikiwamo ofisi kuu iliyosajiliwa ya Benki) maeneo yote, ndani au nje ya Jamhuri ya Muungano wa Tanzania, ambako shughuli za Benki zinaendeshwa na kufanyika. (g) “Akaunti ya Benki” maana yake ni akaunti inayomilikiwa na Mteja katika Benki, ikijumuisha (bila ukomo) akaunti yoyote inayohusiana na mkopo, amana, mkataba, bidhaa, muamala au huduma yoyote iliyoanzishwa na kuendeshwa kati ya Benki na Mteja. (h) “Mteja” maana yake ni mmiliki wa Akaunti ya Benki ambaye usajili wake wa Huduma umeidhinishwa na Benki. (i) “Akaunti ya Amana” maana yake ni Akaunti ya Benki yenye fedha ambazo Mteja anaweza kuzitoa bila kuwapo kwa kizuizi chochote kutoka kwa Benki. (j) “Baruapepe” maana yake ni Barua ya Kielektroniki. (k) “Huduma za Kielektroniki za Benki” maana yake ni Huduma ya Benki ya Kidijiti/Kizazi Kipya. (l) “Vigezo na Masharti ya Jumla” maana yake ni Vigezo na Masharti ya Jumla yanayohusu Akaunti ya Benki. (m) “Huduma ya Kituo cha Simu cha I&M” maana yake ni (ikiwamo bila ukomo) huduma inayotolewa na Benki kwa Mteja ambapo, baada ya maombi sahihi, Mteja anaweza kuzungumza na mwakilishi/wawakilishi walioteuliwa wa Benki kuhusu maswali ya salio la Akaunti ya Benki, miamala katika Akaunti ya Benki, pamoja na kupata taarifa kuhusu bidhaa na huduma za Benki. (n) “Huduma Isiyo Rasmi ya I&M” maana yake ni (ikiwamo bila ukomo) huduma inayotolewa na Benki kwa Mteja ambapo, baada ya maombi sahihi, Benki hutuma kwa Mteja baruapepe inayohusika yenye taarifa za salio la Akaunti ya Benki na/au Taarifa ya Akaunti ya Benki na/au taarifa fupi ya miamala sita (6) ya mwisho ya Mteja katika Akaunti ya Benki. (o) “Huduma ya IMS ya I&M” maana yake ni (ikiwamo bila ukomo) huduma inayotolewa na Benki kwa Mteja ambapo, baada ya maombi sahihi, Benki hutuma kupitia simu ya mkononi ya Mteja ujumbe mfupi wa maandishi unaoonesha salio la Akaunti ya Benki. (p) “Huduma ya Smart Statements ya I&M” maana yake ni (ikiwamo bila ukomo) huduma inayotolewa na Benki kwa Mteja ambapo, baada ya maombi sahihi, Benki hutuma Taarifa ya Akaunti ya Benki kwa Mteja kwa njia ya faksi. (q) “Huduma ya Benki ya Kidijiti/Kizazi Kipya” maana yake ni Huduma Isiyo Rasmi ya I&M, Huduma ya IMS ya I&M, Huduma ya Smart Statements ya I&M na Huduma ya Kituo cha Simu cha I&M, pamoja na huduma nyingine zozote zitakazotangazwa kwa Mteja na Benki katika vipindi mbalimbali. (r) “Mtumiaji/Watumiaji Walioteuliwa” maana yake ni mwakilishi au wawakilishi wa Mteja walioteuliwa na kuidhinishwa na Mteja kushikilia na kubadilisha Msimbo wa Namba ya Siri, na hivyo kuingia katika Mfumo na kutumia Huduma kwa niaba ya Mteja. (s) “Msimbo wa Namba ya Siri” maana yake ni Namba Binafsi ya Utambulisho ya siri iliyoainishwa katika Fomu ya Maombi, yenye angalau tarakimu sita (6), inayojulikana na Benki, Mteja na/au Mtumiaji Aliyeteuliwa pekee, na ambayo ndiyo kiungo pekee kinachounganisha Maelezo ya Upatikanaji wa Mfumo. (t) “Maombi” maana yake ni maombi au maelekezo yanayopokewa na Benki kutoka kwa (au yanayodhaniwa kutoka kwa) Mteja na/au Mtumiaji Aliyeteuliwa kupitia Mfumo kuhusiana na Huduma, na ambayo Benki, kwa mujibu wa kifungu kidogo cha 4.1, imeidhinishwa kuyafanyia kazi. (u) “Huduma” maana yake ni huduma yoyote kati ya Huduma za Kielektroniki za Benki ambazo Mteja ataomba katika vipindi mbalimbali na ambazo Benki itaidhinisha na/au kukubali kuitoa. (v) “Kampuni Tanzu” maana yake ni kampuni tanzu moja au zaidi za Benki ambazo Benki inaweza kuzitaja au kuzibainisha kwa Mteja katika vipindi mbalimbali.

(w) “Mfumo” maana yake ni programu ya benki ya vyombo anuwai vya mawasiliano na/au vifaa vinavyomwezesha Mteja kuwasiliana na Benki kwa madhumuni ya Huduma. Pale ambapo upatikanaji kupitia mtandao wa intaneti unahitajika, Mfumo na Huduma, kwa madhumuni ya makubaliano haya, utapatikana kupitia tovuti ya Benki (kwa wakati husika) www.imbank.co.tz.

(x) “Usajili” maana yake ni maombi ya Huduma yanayowasilishwa na Mteja.

1.2 Katika Vigezo na Masharti haya ya Jumla ya Kizazi Kijacho:

(a) Maneno “Mteja” na/au “mtu” na/au “mhusika” yatahusisha mtu binafsi, kampuni, ubia, chombo kilichosajiliwa au cha kisheria, dola, wakala wa dola au mamlaka ya serikali kwa jina au mtindo wowote; na pale ambapo watu wawili au zaidi wamejumuishwa katika maneno hayo, yatahusisha kila mmoja peke yake na/au wote kwa pamoja. (b) Marejeo ya maneno yanayoonesha umoja yatachukuliwa kujumuisha wingi na kinyume chake; na marejeo ya jinsi ya kiume yatachukuliwa kujumuisha jinsi ya kike na bila jinsi, na kinyume chake. (c)  Wajibu wowote unaowekwa au unaotokana na Vigezo na Masharti ya Kidijiti/Kizazi Kipya ambao unachukuliwa na zaidi ya mtu mmoja utakuwa ni wajibu wa pamoja na wa kila mmoja wa kila mtu aliyeuchukua, iwe kama mdaiwa mkuu, mdhamini, mtoaji fidia, au vinginevyo.

2. Usajili wa Mteja

2.1 Baada ya Benki kuidhinisha Usajili wa Mteja na Mteja kulipa ada na tozo kwa Benki, zilizoainishwa katika kifungu cha 7 hapa chini, Benki itampatia Mteja huduma zinazohusika za kibenki kupitia njia za kisasa za mawasiliano, kwa kuzingatia na kwa mujibu wa Vigezo na Masharti ya Kidijiti/Kizazi Kipya pamoja na Vigezo na Masharti ya Jumla. 2.2 Endapo Mteja atasajili Huduma Isiyo Rasmi ya I&M, pamoja na Msimbo wa Namba ya Siri, atalazimika kubainisha anwani ya baruapepe katika Fomu ya Maombi; anwani hiyo ya baruapepe itasajiliwa na Benki. Benki itatekeleza Maombi yatakayopokewa kupitia anwani ya baruapepe ya Mteja iliyosajiliwa tu. 2.3 Endapo Mteja atasajili Huduma ya IMS ya I&M, pamoja na Msimbo wa Namba ya Siri, atabainisha namba ya simu ya mkononi katika Fomu ya Maombi; namba hiyo itasajiliwa na Benki. Benki itatekeleza Maombi yatakayopokewa kupitia namba ya simu ya mkononi ya Mteja iliyosajiliwa tu. 2.4 Endapo Mteja atasajili Huduma ya Kituo cha Simu cha I&M, Mteja, pamoja na Msimbo wa Namba, atabainisha ama tarehe yake ya kuzaliwa au tarehe ya kuanzishwa au tarehe ya kusajiliwa (kulingana na hali ilivyo) katika Fomu ya Maombi; tarehe hiyo itasajiliwa na Benki. Benki itatekeleza Maombi yanayohusu Huduma ya Kituo cha Simu cha I&M baada ya tarehe hiyo kuthibitishwa. 2.5 Benki inabaki na haki ya kuongeza, kurekebisha, kubadilisha au kuondoa huduma yoyote wakati wowote, kwa sababu yoyote ile, kwa sharti la kutoa taarifa ya awali kwa Mteja.

3. Vifaa vya Mteja na Majukumu ya Mteja

3.1  Mteja, kwa gharama zake mwenyewe, atatoa na kuweka katika hali salama na bora ya uendeshaji vifaa kama vile kompyuta, programu za kompyuta, simu, mashine ya faksi na vifaa vingine vya mawasiliano pamoja na miundombinu inayohusika (ikiwamo upatikanaji wa mifumo yoyote ya mawasiliano ya umma) na mtandao wowote wa mawasiliano (kwa pamoja “Vifaa”) unaohitajika kwa ajili ya kuingia kwenye Mfumo na kutumia Huduma. 3.2 Mteja atawajibika kuhakikisha utendaji mzuri wa Vifaa, ikijumuisha hasara au ucheleweshaji wowote unaoweza kusababishwa na Vifaa hivyo. Benki haitawajibika kwa makosa au hitilafu zozote zitakazosababishwa na hitilafu ya Vifaa, wala haitawajibika kwa virusi vya kompyuta au matatizo yanayohusiana nayo yanayoweza kutokea kutokana na matumizi ya Mfumo, Huduma na Vifaa. Mteja atawajibika kulipa ada zozote kwa mtoa huduma yeyote anayempa Mteja huduma za intaneti, simu ya mkononi, simu ya kawaida au huduma nyingine zozote za mawasiliano, na Benki haitawajibika kwa hasara au ucheleweshaji unaosababishwa na mtoa huduma huyo. 3.3  Mteja atapata leseni na ridhaa zote zinazohitajika ili kuingia na kutumia Mfumo, na atahakikisha kwamba watu wote anaowaruhusu kuingia kwenye Mfumo wanazingatia sheria na kanuni zote zinazohusiana na matumizi ya Mfumo, na kufuata maelekezo, taratibu na masharti yote yaliyomo katika Vigezo na Masharti ya Kidijiti/Kizazi Kipya pamoja na nyaraka zozote zinazotolewa na Benki kuhusiana na matumizi ya Mfumo na Huduma. 3.4  Mteja atazuia upatikanaji au matumizi yoyote yasiyoidhinishwa ya Mfumo na/au Huduma kwa kuhifadhi Msimbo wa Namba ya Siri kwa usiri wakati wote. Mteja atahakikisha kuwa Msimbo wake wa Namba ya Siri haujulikani wala haupatikani kwa mtu yeyote asiyeidhinishwa. 3.5   Mteja atachukua tahadhari zote zinazofaa na zinazohitajika ili kugundua matumizi yoyote yasiyoidhinishwa ya Mfumo na Huduma. Kwa madhumuni hayo, Mteja atahakikisha kuwa mawasiliano yote kutoka Benki yanachunguzwa na kukaguliwa na au kwa niaba ya Mteja haraka iwezekanavyo baada ya kupokewa, ili matumizi au upatikanaji wowote usioidhinishwa wa Mfumo ugunduliwe mapema. 3.6  Mteja atatoa taarifa kwa Benki haraka kwa simu, na kufuatiwa na uthibitisho wa maandishi utakaotumwa siku hiyo hiyo, endapo:

• Mteja ana sababu ya kuamini kwamba Msimbo wa Namba ya Siri yoyote unajulikana au huenda ukajulikana na mtu asiyeidhinishwa na/au uko katika hatari ya kutumika vibaya; na/au
• Mteja ana sababu ya kuamini kwamba matumizi yasiyoidhinishwa ya Mfumo na/au Huduma yamefanyika au yanaweza kufanyika, na/au muamala wowote unaohusiana na Huduma umeingizwa kwa njia ya udanganyifu au Mfumo kutumiwa vibaya.

3.7  Mteja na/au Mtumiaji Aliyeteuliwa hawatatuma wala kujaribu kutuma Maombi yoyote kwa Benki kupitia Mfumo endapo Mteja ana sababu ya kuamini kwamba, kwa sababu yoyote ile, maombi hayo huenda yasipokewe na Benki au huenda yasipokelewe kwa usahihi na kwa kueleweka. 3.8  Mteja na/au Mtumiaji Aliyeteuliwa atafuata wakati wote taratibu za usalama kama zinavyotangazwa na Benki katika vipindi mbalimbali, au taratibu zingine zozote zinazohusika na Huduma kwa wakati unaohusika, hususani zilizoainishwa kwenye tovuti ya Benki au machapisho ya bidhaa. Mteja anakiri kwamba kushindwa kufuata taratibu za kiusalama zilizopendekezwa kunaweza kusababisha ukiukwaji wa usiri wa Maelezo ya Upatikanaji wa Mfumo na kusababisha matumizi yasiyoidhinishwa ya Mfumo na/au Huduma. Hasa, Mteja atahakikisha kwamba Huduma haitumiki, au Maombi hayatolewi, au kazi zinazohusika hazitekelezwi na mtu yeyote isipokuwa mtu aliyeidhinishwa kufanya hivyo. 3.9  Mteja na/au Mtumiaji Aliyeteuliwa hataruhusiwa kuendesha au kutumia Huduma kwa namna yoyote itakayoweza kuiathiri Benki. 3.10 Mteja anaelewa na anakubali kwamba Benki inaweza kuunganisha Akaunti ya Benki yenye watia saini wengi na Maelezo ya Upatikanaji wa Mfumo kwa Mteja na Huduma, pale tu ambapo Mteja amewasilisha kwa Benki Fomu halisi ya Maombi iliyosainiwa na watia saini wote wa Akaunti hiyo ya Benki, ikithibitisha kwamba Benki imeidhinishwa kutekeleza Maombi yote. Itakuwa ni jukumu la Mteja pekee kuhakikisha kwamba hakuna mtu asiyeidhinishwa anayeruhusiwa kutumia Akaunti hiyo ya Benki. 3.11 Benki itakuwa na haki na itaidhinishwa kuitoza Akaunti ya Benki ya Mteja kwa kiasi cha miamala yote iliyotekelezwa kupitia Huduma, pamoja na kutoza Akaunti ya Benki ya Mteja kwa ada zozote zinazohusiana na Huduma kama zitakavyoainishwa na Benki katika vipindi mbalimbali.  

4. Mamlaka ya Benki Isiyoweza Kubatilishwa

4.1 Benki inaidhinishwa bila kubatilishwa na Mteja kutekeleza Maombi yote na kumwajibisha Mteja kwa matokeo yake, bila kujali kwamba Maombi hayo hayajatolewa na/au hayajaidhinishwa na Mteja na/au Mtumiaji Aliyeteuliwa, au hayako kwa mujibu wa mamlaka yoyote yaliyopo aliyopewa Mteja. Endapo Mteja na/au Mtumiaji Aliyeteuliwa ataiomba Benki kufuta muamala au maelekezo yoyote baada ya Maombi kupokewa na Benki kutoka kwa Mteja, Benki, kwa hiari yake kamili na ya pekee, inaweza kufuta muamala au maagizo hayo. 4.2 Benki itakuwa na haki ya kupokea na kutekeleza Maombi yoyote, hata kama Maombi hayo kwa sababu yoyote hayajakamilika au yana utata, iwapo Benki, kwa hiari yake kamili na ya pekee, itaona kuwa inaweza kutekeleza Maombi hayo licha ya upungufu au utata uliopo katika Mambi hayo. 4.3 Benki haitalazimika kupokea au kutekeleza Maombi yoyote endapo kufanya hivyo kutahitaji upatikanaji, hatua au taarifa kutoka kwa Tawi au Kampuni Tanzu iliyopo katika mamlaka yoyote pale ambapo si Siku ya Kibenki kwa wakati husika ambapo upatikanaji, hatua au taarifa hizo zinahitajika, au endapo kufanya hivyo kutasababisha uvunjaji wa mamlaka yoyote iliyopo, kikomo cha huduma ya mkopo, au makubaliano yoyote yaliyopo kati ya Benki na Mteja. Endapo Benki itapokea au kutekeleza Maombi yoyote kama hayo, Mteja ataendelea kuwajibika na ataifidia Benki dhidi ya madai, matakwa, hasara, gharama, uharibifu, dhima au matumizi yoyote ya aina yoyote ile ambayo Benki inaweza kubeba, kuathirika au kupata kutokana na kupokea au kutekeleza Maombi hayo. 4.4 Endapo kutakuwa na mgongano wowote kati ya masharti ya Maombi yoyote kutoka kwa Mteja na Vigezo na Masharti ya Kidijiti/Kizazi Kipya, Vigezo na Masharti ya Kidijiti/Kizazi Kipya yatakuwa na nguvu ya kutumika. Vigezo na Masharti ya Kidijiti/Kizazi Kipya pamoja na idhini zote na taratibu nyinginezo zinazotokana nayo ni nyongeza ya Vigezo na Masharti ya Jumla na mamlaka nyingine zozote zinazotumika kwa Akaunti ya Benki.

5. Ukomo wa Miamala ya Kielektroniki ya Kibenki

Mteja na/au Mtumiaji Aliyeteuliwa anaweza kuhamisha fedha au kufanya malipo ya kiasi chochote, kwa kuzingatia masharti ya kifungu cha 3.9 cha Vigezo na Masharti ya Kidijiti/Kizazi Kipya, ilimradi muamala huo unaohusiana na Huduma hausababishi salio katika Akaunti ya Amana kushuka chini ya kiwango cha salio la chini lililoainishwa kwa Akaunti ya Amana au kuzidisha kiwango cha ukomo cha huduma ya mkopo wa ziada kilichotolewa na kuidhinishwa na Benki kuhusiana na Akaunti ya Amana; isipokuwa pale ambapo Mteja ana Akaunti ya Amana ya Muda Maalumu iliyowekwa dhamana ipasavyo kwa Benki ili kufidia ziada yoyote inayoweza kujitokeza katika vipindi mbalimbali katika Akaunti ya Amana inayohusika. Katika hali hiyo, Akaunti za Amana zinazohusika zinapaswa ziunganishwe katika Mfumo kwa madhumuni hayo, na muamala unaohusika hauwezi kusababisha kiasi cha ziada katika Akaunti ya Amana inayohusika kuzidi kiasi kilichowekwa dhamana katika Akaunti ya Amana ya Muda Maalumu.

6. Taarifa za Miamala na Haki za Mteja Kupata Taarifa Hizi

6.1 Miamala yote inayohusiana na Huduma inayofanywa na Mteja na/au Mtumiaji Aliyeteuliwa mara tu wanaporuhusiwa kuingia katika Mfumo itarekodiwa kwa kipindi chote ambacho Mteja na/au Mtumiaji Aliyeteuliwa anapata Mfumo. Benki itahifadhi nakala za Maombi yote katika muundo unaohusika wa vyombo vingi vya mawasiliano. Aidha, nakala zozote za maandishi za nyaraka zilizoandaliwa na/au kushikiliwa na Benki kwa madhumuni ya kutekeleza muamala kwa mujibu wa Maombi zitaendelea kuhifadhiwa na Benki. 6.2 Nyaraka zote na kumbukumbu nyinginezo za aina yoyote zilizoshikiliwa na/au kutolewa na/au kuhifadhiwa na Benki kuhusiana na Maombi na/au Huduma, pasipo kuwapo kosa lililo wazi, zitakuwa ni uthibitisho kamili wa Maombi na/au Huduma na miamala yote inayohusiana nayo, na hazitakuwa chini ya pingamizi lolote kutoka kwa Mteja na/au Mtumiaji Aliyeteuliwa kwa sababu yoyote ile. 6.3 Mteja atachukuliwa kuwa amekubali bila masharti yoyote, na hataruhusiwa baadaye kupinga au kutilia shaka muamala wowote unaohusiana na Maombi na/au Huduma uliomo katika taarifa yoyote ya akaunti iliyotolewa na Benki kwa Mteja kuhusiana na Maombi na/au Huduma, isipokuwa pale ambapo Mteja atawasilisha pingamizi kwa maandishi kwa Benki kuhusiana na miamala hiyo kama ilivyoainishwa katika taarifa hiyo ya akaunti, ndani ya siku kumi na tano (15) kuanzia tarehe ambayo taarifa hiyo ya akaunti ilitolewa au inachukuliwa kuwa imetolewa na Benki kwa Mteja.

7. Tozo

7.1 Mteja atailipa Benki ada ya awali ya kuanzisha huduma na ada ya usajili ya kila mwezi kwa ajili ya Huduma, pamoja na tozo za miamala zinazotumika kwa aina mbalimbali za miamala kuhusiana na Huduma, kama Benki itakavyomjulisha Mteja katika vipindi mbalimbali. Benki, kwa hiari yake kamili na ya pekee, inaweza kurekebisha tozo na ada hizi baada ya kumpa Mteja notisi ya siku kumi na nne (14) kuhusu marekebisho hayo. Pia, Benki, kwa hiari yake kamili, inaweza kuacha kudai ada za awali za kuanzisha huduma na/au ada za usajili za kila mwezi, au sehemu yake. 7.2 Mteja atalipa kodi yoyote inayotozwa kwa kiasi chochote kinacholipwa na Mteja kwa Benki, pamoja na ada, tozo au ushuru mwingine wowote unaotozwa kwa Mteja au Benki na chombo chochote cha serikali au cha kisheria kuhusiana na utoaji wa Huduma. 7.3 Benki inaidhinishwa bila kubatilishwa, katika vipindi mbalimbali, kutoza kiasi chochote kinachodaiwa kutoka kwa Mteja kwa mujibu wa vifungu vidogo vya 7.1 na/au 7.2 kutoka katika Akaunti yoyote ya Benki ya Mteja, katika fedha yoyote. Mbali na ada zinazolipwa chini ya Vigezo na Masharti ya Kidijiti/Kizazi Kipya, tozo na ada zinazotumika kwa Akaunti za Benki ya Mteja pia zitatumika.

8. Kuondolewa kwa Dhima

8.1 Hali Zilizo Nje ya Uwezo wa Udhibiti wa Benki Benki haitawajibika wala kuwajibishwa kwa hasara yoyote itakayompata Mteja na/au Mtumiaji Aliyeteuliwa endapo Huduma itaingiliwa au haitapatikana kutokana  na: (a)       hatua zozote za mgomo au migogoro ya kikazi; (b)     hitilafu au kushindwa kufanya kazi kwa mifumo au vifaa vya Mteja; au (c)      hali nyingine yoyote ile ambayo kwa mantiki ya kawaida iko nje ya uwezo wa udhibiti wa Benki, ikijumuisha bila kikomo, matukio yasiyozuilika, hitilafu, kukatizwa, ucheleweshaji au kutopatikana kwa Mfumo, vitendo vya kigaidi au mashambulizi ya adui, hitilafu za vifaa, kukatika kwa umeme, hali mbaya ya hewa au mazingira ya anga, pamoja na kushindwa kufanya kazi kwa mifumo yoyote ya mawasiliano ya umma au binafsi.

8.2 Malipo ya Bili za Kielektroniki na Uhamishaji wa Fedha

(a) Benki haitawajibika kwa hasara au uharibifu wowote utakaompata Mteja na/au Mtumiaji Aliyeteuliwa kutokana na kuchelewa, kushindwa na/au kukataa kwa Benki kutekeleza Maombi kwa wakati au kabisa, katika mojawapo au zaidi ya hali zifuatazo (kadiri itakavyohusika):

• iwapo Mteja hana kiasi cha kutosha katika Akaunti ya Amana kwa mujibu wa kifungu cha 5 hapo juu;
• iwapo Mteja na/au Mtumiaji Aliyeteuliwa hakuidhinisha malipo ya bili kwa wakati unaotosha ili malipo yafanyike na kuingizwa ipasavyo kwa mlipwaji (mpokeaji wa Mteja) kabla ya muda wa malipo kufika;
• iwapo Mfumo au Vifaa havifanyi kazi kikamilifu;
• iwapo mazingira yaliyo nje ya udhibiti wa Benki, ikijumuisha yale yaliyoainishwa katika kifungu kidogo cha 8.1 hapo juu, yanazuia Benki kufanya malipo au uhamisho;
• iwapo kiasi kilichopo katika Akaunti ya Amana kiko chini ya mchakato wa kisheria, amri ya mahakama au kizuizi kingine chochote kinachokwamisha malipo au uhamisho;
• iwapo Mteja na/au Mtumiaji Aliyeteuliwa hakutoa maelekezo sahihi au kamili kwa malipo au uhamisho, au hakufuata taratibu zilizoainishwa katika Vigezo na Masharti ya Kidijiti/Kizazi Kipya au makubaliano mengine yoyote yanayotumiwa na Benki kuhusiana na Maombi ya malipo au uhamisho;
• iwapo Benki ina sababu ya kuamini kuwa Mteja na/au Mtumiaji Aliyeteuliwa na/au mtu mwingine yeyote anatumia Huduma kwa madhumuni ya udanganyifu au yasiyo halali;
• iwapo Maombi ya malipo au uhamisho yanahusu kiasi kilichowekwa kwa namna au kwa njia ambayo bado haijakifanya kiasi hicho kupatikana kwa ajili ya utoaji;
• iwapo Maombi ya malipo au uhamisho yanapingana au yanakinzana na makubaliano mengine yaliyopo kuhusiana na Akaunti za Benki.

(b) Endapo Benki itafanya malipo au uhamisho kwa wakati unaofaa lakini mpokeaji atashindwa kuingiza kwa haraka malipo ya Mteja baada ya kuyapokea, Benki haitawajibika kwa hasara au uharibifu wowote utakaompata Mteja na/au Mtumiaji Aliyeteuliwa kutokana na kushindwa huko kwa mpokeaji.

8.3 Fidia

• Mteja ataifidia na kuilinda Benki kikamilifu na bila masharti dhidi ya gharama zote (ikiwamo gharama za kisheria), madai, hatua za kisheria, mashauri, hasara, uharibifu, matakwa, dhima na matumizi ya aina yoyote ile ambayo Benki itapata, kubeba au kuathirika kunakohusiana na au kunakotokana na (a), (b) na/au (c) za kifungu kidogo cha 8.1 pale ambapo mazingira yanayohusika yako chini ya udhibiti wa Mteja na/au Mtumiaji Aliyeteuliwa, na pia dhidi ya gharama zote (ikiwamo gharama za kisheria), madai, hatua za kisheria, mashauri, hasara, uharibifu, matakwa, dhima na matumizi yanayotokana na ukiukaji wowote wa masharti yoyote ya hati hii kwa upande wa Mteja na/au Mtumiaji Aliyeteuliwa.
• Mteja ataifidia na kuilinda Benki dhidi ya matakwa, madai, hatua za kisheria, hasara, uharibifu, gharama au matumizi ya aina yoyote ile ambayo Benki wakati wowote inaweza kuyabeba, kupata au kuathirika kutokana na utoaji wa Huduma, isipokuwa pale ambapo matakwa, madai, hatua, hasara, uharibifu au gharama hizo zimetokana moja kwa moja na uzembe mkubwa au utovu wa nidhamu wa makusudi wa Benki au wa mfanyakazi yeyote wa Benki.
• Mteja ataifidia na kuilinda Benki dhidi ya yafuatayo:
• madai, mashauri, hasara na uharibifu wa aina yoyote ile unaoweza kuletwa dhidi ya Benki au ambao Benki inaweza kubeba au kupata, unaotokana na utegemezi wa Benki kwa taarifa au data yoyote isiyo sahihi, isiyosomeka, isiyokamilika au isiyo na uhakika iliyomo katika Maombi yoyote;
• hasara au uharibifu wowote unaoweza kutokea kutokana na matumizi, matumizi mabaya, matumizi yasiyo sahihi au umiliki wa programu yoyote ya mtu mwingine na Mteja na/au Mtumiaji Aliyeteuliwa, ikijumuisha (bila ukomo) mifumo ya uendeshaji, programu za kuvinjari au vifurushi vingine vya programu;
• upatikanaji wowote usioidhinishwa wa Akaunti za Benki au ukiukwaji wowote wa usalama, au uharibifu au upatikanaji wa data wowote za Mteja, au uharibifu, wizi au madhara kwa Vifaa vya Mteja;
• hasara au uharibifu wowote unaosababishwa na kushindwa kwa Mteja na/au Mtumiaji Aliyeteuliwa kuzingatia masharti na vigezo vinavyotumika kwa Huduma na/au kutokana na kutoa taarifa zisizo sahihi, au hasara au uharibifu unaotokana na kushindwa au kutopatikana kwa mifumo au vifaa vya mtu mwingine, au kushindwa kwa mtu mwingine kushughulikia muamala.

8.4 Endapo, kwa sababu yoyote ile isiyotajwa katika kifungu kidogo cha 8.1, Huduma itaingiliwa au haitapatikana, dhima pekee ya Benki kuhusiana na hali hiyo itakuwa ni kurejesha Huduma haraka iwezekanavyo, au, kwa hiari ya Benki, kumpatia Mteja huduma mbadala za kibenki ambazo si lazima ziwe za kielektroniki. 8.5 Isipokuwa kama ilivyoainishwa katika kifungu kidogo cha 8.4, Benki haitawajibika kwa Mteja na/au Mtumiaji Aliyeteuliwa kwa kuingiliwa au kutopatikana kwa Huduma, kwa namna yoyote ile itakavyosababishwa. 8.6 Katika hali yoyote ile, Benki haitawajibika kwa Mteja na/au Mtumiaji Aliyeteuliwa kwa hasara yoyote ya faida au akiba inayotarajiwa, wala kwa hasara yoyote isiyo ya moja kwa moja au ya matokeo ya aina yoyote ile, kwa namna yoyote ile itakavyosababishwa, yanayotokana na au kuhusiana na Huduma. 8.7 Isipokuwa kuhusiana na kifo au jeraha la mwili linalosababishwa na uzembe mkubwa au utovu wa nidhamu wa makusudi wa Benki, Benki haitakuwa na dhima kwa dai lolote lolote kuhusiana na Vigezo na Masharti ya Kidijiti/Kizazi Kipya au utekelezaji wake, au miamala yoyote iliyotekelezwa na Benki kwa kuitikia maombi yoyote, isipokuwa pale ambapo Benki imepokea notisi ya maandishi ya madai hayo kutoka kwa Mteja kama ifuatavyo:

• kwa madai yoyote yanayohusiana na muamala, ndani ya siku thelathini (30) kuanzia tarehe ya muamala unaodaiwa ambao madai hayo yanategemea;
• kwa madai mengine yote, ndani ya siku tisini (90) kuanzia tarehe ya kitendo au kutotenda kunakodaiwa kwa Benki ambako madai hayo yanategemea.

8.8 Kwa kiwango kinachoruhusiwa kisheria, Benki: (a)      inakanusha dhamana zote zinazohusiana na Mfumo na Huduma, ziwe za wazi au za kudokezwa, ikijumuisha (bila ukomo) dhamana zozote zilizodokezwa zinazohusiana na ubora, kufaa kwa madhumuni maalumu au uwezo wa kufanikisha matokeo fulani; (b)     haitoi dhamana yoyote kwamba Mfumo hauna makosa au kwamba matumizi yake hayatakatizwa, na Mteja anakiri na kukubali kwamba kuwapo kwa makosa hayo hakutachukuliwa kuwa ni ukiukaji wa Vigezo na Masharti ya Kidijiti/Kizazi Kipya.

9. Marekebisho

Benki inaweza kurekebisha Vigezo na Masharti haya, ama kwa ujumla au kwa sehemu, wakati wowote, kwa sharti kwamba notisi ya awali au taarifa ya marekebisho hayo itatolewa kwa Mteja kwa maandishi au kwa kuchapishwa kwa njia yoyote itakayoamuliwa na Benki. Marekebisho hayo yatakuwa ya lazima na yatamfunga Mteja na/au Mtumiaji Aliyeteuliwa.

10. Kusitishwa kwa Huduma

10.1      Bila kujali chochote kilichomo katika Vigezo na Masharti haya, Huduma inaweza kusitishwa wakati wowote na Benki au Mteja kwa kumpa mwenzake notisi ya mwezi mmoja wa kalenda. HATA HIVYO, endapo kutatokea mabadiliko yoyote ya sheria au matumizi yake, au tukio lolote ambalo, kwa mtazamo wa Benki, litaathiri au kuleta madhara kwa Benki endapo itaendelea kutoa Huduma kwa Mteja, Benki itakuwa na haki ya kusitisha Huduma haraka bila kutoa notisi kwa Mteja. 10.2      Endapo Mteja atasitisha Huduma, Benki inaweza kuendelea kufanya malipo ya bili za kielektroniki, uhamisho wa fedha na miamala mingine ambayo Mteja alikuwa ameidhinisha hapo awali, hadi pale itakapokuwa imepata muda wa kutosha na unaokubalika wa kuchukua hatua kufuatia notisi ya kusitisha iliyotolewa na Mteja. 10.3 Kusitishwa kwa Huduma hakutasitisha wala kuathiri, kwa peke yake, uhusiano wa Kibenki kati ya Benki na Mteja. 10.4 Vifungu vya 8, 11.3, 11.6 na 12 vitaendelea kuwa na nguvu hata baada ya kusitishwa kwa Huduma.

11. Masharti ya Jumla

11.1 Mteja hataruhusiwa kuhamisha au kukabidhi mafao au haki yoyote inayotokana na Vigezo na Masharti haya bila ridhaa ya awali ya maandishi au uthibitisho kutoka kwa Benki. 11.2 Hakuna msamaha wowote utakaotolewa na Benki kuhusiana na ukiukwaji wowote wa Vigezo na Masharti haya kwa upande wa Mteja na/au Mtumiaji Aliyeteuliwa utakaochukuliwa kuwa halali isipokuwa kama ni msamaha wa wazi uliotolewa kwa maandishi. Msamaha wowote wa ukiukwaji huo hautachukuliwa kuwa ni msamaha wa ukiukwaji wowote wa baadaye. 11.3 Mteja anakiri kwamba: (a)      hajategemea maelezo, dhamana, ahadi, kauli ya maoni au kishawishi chochote kilichotolewa au kudaiwa kutolewa na au kwa niaba ya Benki wakati wa Usajili; na kwamba (b)     hakuna mtu yeyote aliyekuwa au aliye na mamlaka, kabla, wakati au baada ya Usajili, kwa niaba ya Benki, kutoa maelezo, dhamana, ahadi, kauli ya maoni au kishawishi chochote kama hicho kwa Mteja, wala kuingia katika makubaliano yoyote ya pembeni au ya ziada na Mteja kuhusiana na Huduma. 11.4 Vigezo na Masharti haya ya Kidijiti/Kizazi Kipya yanabatilisha makubaliano, mipango na uelewa wote wa awali kati ya wahusika na yanaunda makubaliano kamili na ya mwisho kati ya wahusika kuhusiana na mada iliyomo humu. Kwa kuondoa shaka, hakuna chochote kilichomo humu kitakachobadilisha, kuondoa au kwa namna yoyote kuathiri au kudhuru dhamana yoyote iliyotolewa na Mteja au mtu mwingine yeyote kwa manufaa ya Benki kuhusiana na wajibu wowote wa Mteja unaoweza kutokea endapo Benki itatekeleza Maombi yoyote ya Mteja chini ya Masharti haya. 11.5 Kila kifungu cha Vigezo na Masharti haya ya Kizazi Kijacho ni tofauti na kinaweza kutenganishwa na vingine. Endapo wakati wowote kifungu chochote kitakuwa au kuonekana kwenda kinyume cha sheria, batili au kisichotekelezeka kwa namna yoyote ile, uhalali, nguvu ya kisheria na utekelezekaji wa vifungu vilivyobaki hautaathiriwa wala kudhoofishwa kwa sababu hiyo. 11.6 Notisi yoyote inayotakiwa kutolewa kwa maandishi chini ya Vigezo na Masharti ya Kidijiti/Kizazi Kipya itachukuliwa kuwa imetolewa ipasavyo endapo itatumwa kwa posta iliyosajiliwa, ikiwa imewekewa stempu na kuandikiwa anwani sahihi: (a)      kwa Meneja wa Tawi au wa Benki, kwenye anwani ya posta ya Tawi au ya Benki, endapo itatakiwa kutolewa kwa Benki; au (b)     kwa Mteja, kwenye anwani iliyo katika kumbukumbu za Benki kuhusiana na Akaunti ya Benki, endapo itatakiwa kutolewa kwa Mteja; na itachukuliwa kuwa imewasilishwa siku tano (5) za kazi za Benki baada ya kutumwa kwa posta.

12. Usiri na Uwekaji Wazi wa Taarifa

12.1 Mteja anakubali kudumisha usiri wa hali ya juu kuhusu Msimbo wake wa Namba ya Siri na taarifa au nyaraka zingine zozote za aina yoyote alizopatiwa na Benki kuhusiana na Huduma. Mteja anakubali kuwajulisha mawakala, wafanyakazi na/au wakandarasi wake kuhusu masharti ya kifungu hiki na kuwawekea wajibu wa usiri huo kupitia mikataba tofauti, pale inapohitajika. Mteja atawajibika kikamilifu kwa Benki kwa ukiukwaji wowote wa kifungu hiki unaofanywa na yeye mwenyewe au na wafanyakazi, mawakala na/au wakandarasi wake. 12.2 Mteja anakubali kwamba, pale itakapohitajika kwa ajili ya utoaji wa Huduma, Benki inaweza kutoa taarifa kuhusu Mteja kwa mshirika yeyote wa Benki au washirika wa Mteja.

12.3 Mteja anakubali pia kwamba Benki inaweza kutoa taarifa kuhusu Mteja kwa watu wengine katika mazingira yafuatayo:

• pale ambapo utoaji huo ni muhimu ili Benki iweze kutekeleza Maombi;
• ili kutii sheria, kanuni, amri ya mahakama na/au wajibu wa kimkataba wa Benki; endapo Benki italazimika kutoa taarifa kwa mamlaka ya serikali iliyoidhinishwa, Benki itamjulisha Mteja kabla ya kutoa taarifa hizo kwa kiwango kinachoruhusiwa kisheria;
• utoaji wa taarifa kwa mawakala, wakandarasi, wakaguzi, mawakili na watoa huduma wengine wa kitaalamu wa Benki, kwa kiwango kinachohitajika katika utekelezaji wa majukumu yao ya kawaida;
• utoaji wa taarifa kwa ofisi ya kumbukumbu za mikopo yenye leseni ambayo Benki imejiunga na huduma zake;
• endapo inahusisha madai ya Benki au dhidi ya Benki kuhusiana na hati iliyowekwa au iliyotolewa dhidi ya Akaunti ya Benki; au
• endapo Mteja ameidhinisha utoaji wa taarifa.

13. Haki za Milki ya Bunifu

13.1 Mteja anakiri kwamba haki za milki ya ubunifu katika Mfumo (pamoja na marekebisho au maboresho yake yoyote yatakayofanyika katika vipindi mbalimbali) na nyaraka zote zinazohusiana nayo ambazo Benki humpatia Mteja kupitia Mfumo au kwa njia nyingine yoyote zinamilikiwa ama na Benki au na watu wengine ambao Benki imepewa haki ya kutumia na kutoa leseni ya Mfumo na/au nyaraka hizo. Mteja hatakiwi kukiuka haki zozote za milki ya ubunifu. 13.2 Mteja hataruhusiwa kunakili, kuiga, au kwa namna yoyote kuhariri au kuingilia Mfumo na nyaraka zinazohusiana nayo bila ridhaa ya awali ya maandishi ya Benki.

14. Sheria Inayotumika

14.1 Vigezo na Masharti haya yataongozwa na kutafsiriwa kwa mujibu wa sheria za Jamhuri ya Muungano wa Tanzania. 14.2 Benki na Mteja wanakubali kuwasilisha chini ya mamlaka ya kisheria ya Mahakama za Tanzania, na Benki itakuwa huru kutekeleza uamuzi wowote wa mahakama katika mamlaka yoyote ambako Mteja anafanya shughuli zake au kuwa na mali.

VIGEZO NA MASHARTI YA MATUMIZI YA KADI YA I & M BANK (T) LIMITED

1. FAFANUZI

(a) “Akaunti” maana yake ni kuhusiana na Kadi, ya akaunti yoyote inayomilikiwa na Mmiliki wa Kadi katika Benki, iwe ni yake peke yake kwa jina la Mmiliki wa Kadi au ni ya pamoja na wamiliki wengine wa akaunti, ambao Benki imewateua kwa maombi ya Mmiliki wa Kadi kuwa akaunti stahiki kwa ajili ya kutekeleza Muamala wa Kadi na ambayo kiasi chote kinachodaiwa kutokana na matumizi ya Kadi kitatozwa katika Akaunti hiyo, isipokuwa pale ambapo Akaunti ni ya pamoja, wamiliki wote wa Akaunti ya pamoja wanapaswa wajaze na kusaini Fomu ya Maombi. (b) “Fomu ya Maombi” maana yake ni fomu ya maombi ya Kadi, au maombi yaliyowekwa katika fomu inayohusika iliyojazwa na Mteja kuhusiana na uanzishwaji na uendeshwaji wa Akaunti. (c) “ATM” maana yake ni mashine ya kutoa fedha kiotomatiki, iwe nchini Tanzania au kwingineko, ya Benki au ya Mshirika mahususi wa Mtandao wa Pamoja wa Benki, ikijumuisha mtandao wa VISA, ambako Mmiliki wa Kadi anaweza kutekeleza Muamala. (d) “Benki” maana yake ni I & M Bank (T) Limited. (e) “Kadi” maana yake ni Kadi ya Kutolea Fedha ya “Visa Electron” iliyotolewa na Benki kwa maombi, na kwa jina la Mmiliki wa Kadi kwa matumizi yanayohusiana na huduma za kadi zinazotolewa na Benki. (f) “Mmiliki wa Kadi” maana yake ni mtu (iwe mtu binafsi au chombo cha kisheria) ambaye amepewa Kadi na ambaye jina lake limeandikwa kwenye Kadi. (g) “Kituo cha Biashara” maana yake ni eneo lililo popote linalokubali Kadi, ikijumuisha (bila ukomo) maduka, migahawa, hoteli au mashirika ya ndege yanayoonesha nembo ya Benki au nembo ya mshirika wa mtandao wa pamoja, ikijumuisha nembo yoyote ya VISA, kama ishara ya kukubali Kadi, na ambako Kifaa cha POS kimefungwa. (h) “Namba ya Siri” maana yake ni kuhusiana na Mmiliki wa Kadi, namba binafsi ya utambulisho inayohitajika ili kupata huduma kupitia ATM au Kifaa cha POS kwa ajili ya kutekeleza Muamala. (i) “Kifaa cha POS” maana yake ni kifaa cha mauzo kilichowekwa katika Kituo cha Biashara chenye uwezo wa kuchakata Muamala. (j) “Mshirika wa Mtandao wa Pamoja” maana yake ni chombo chochote ambacho Benki inaingia nacho makubaliano ambayo, kwa mujibu wake, wamiliki wa kadi ya Benki wanaweza kutekeleza Miamala kwenye ATM na/au Vifaa vya POS vinavyomilikiwa na, au vinavyohusishwa na, chombo hicho; na “Muamala” maana yake ni muamala wowote unaotekelezwa kwa kutumia Kadi kwa mujibu wa Vigezo na Masharti haya.

2. MATUMIZI YA ATM

(a) Kadi inaweza kutumika kwenye ATM yoyote kwa Miamala ifuatayo:

• kutoza Akaunti kwa kutoa fedha taslimu; na tozo hiyo itafanyika haraka;
• kuingiza katika Akaunti kwa kuweka fedha taslimu au hundi; na uingizaji huo utafanyika ama siku inayofuata ya kazi (kwa amana ya fedha taslimu) au siku ambayo fedha zilizosafishwa zimepokewa;
• kumpatia Mmiliki wa Kadi taarifa fupi ya akaunti;
• kuagiza Muamala mwingine wowote ambao Benki inaweza kuufanya upatikane kwa Mmiliki wa Kadi katika vipindi mbalimbali, ikijumuisha kuongeza muda wa maongezi katika simu na uhamisho wa fedha kati ya akaunti.

(b) Utoaji wote wa fedha taslimu kupitia ATM kwa kila kadi utakuwa chini ya kikomo cha utoaji wa kila siku kama Benki itakavyotangaza katika vipindi mbalimbali, na pia utategemea kuwapo kwa fedha za kutosha katika Akaunti. Mmiliki wa Kadi anakubali kutojaribu kutoa fedha isipokuwa pale ambapo kuna salio la kutosha katika Akaunti. Wajibu wa kuhakikisha kuwa salio la Akaunti linatosha ni wa Mmiliki wa Kadi pekee. (c) Benki, kwa hiari yake, inaweza kutenga kiwango fulani cha chini kinachopaswa kubaki katika Akaunti; chini ya kiwango hicho, muamala wa kutoa fedha hautaruhusiwa, hata kama kuna fedha za kutosha katika Akaunti kufanya muamala huo. Kiwango hicho kinaweza kubadilishwa na Benki wakati wowote. (d) Pasipo kuwapo kosa lililo wazi, kumbukumbu za Benki kuhusu Muamala wowote au athari zake zitakuwa uthibitisho kamili. (e) Mmiliki wa Kadi anapokamilisha Muamala kupitia ATM, anaweza kuchagua kupokea taarifa iliyochapishwa ya Muamala. Hata hivyo, kwa miamala yote ya kuweka fedha/hundi kupitia ATM, Mmiliki wa Kadi anakubali kwamba ATM haitatoa  stakabadhi inayoonesha kiasi kilichowekwa; bali itatoa uthibitisho wa kupokea hundi au bahasha (kulingana na hali ilivyo) bila kutaja moja kwa moja kiasi kilichowekwa. (f)  Amana zote za fedha na hundi zitakuwa chini ya uhakiki wa Benki, na kiasi kitakachothibitishwa na Benki ndicho kitakachoingizwa. (g) Mmiliki wa Kadi anakubali kwamba maombi yanayofanywa kupitia ATM, kama vile maombi ya kitabu cha hundi, yatashughulikiwa siku inayofuata ya kazi. (h) Mmiliki wa Kadi anashauriwa kuhifadhi taarifa ya Muamala iliyotolewa na ATM.

3. MATUMIZI YA KITUO CHA BIASHARA

(a) Kadi inaweza kutumika katika Kituo chochote cha Biashara. Kadi ni kwa matumizi ya kielektroniki tu. (b) Baada ya Muamala kuthibitishwa na kuidhinishwa, Muamala utakuwa umekamilika, na hati ya muamala itatolewa na Kifaa cha POS ili ithibitishwe na Mmiliki wa Kadi. (c)  Mmiliki wa Kadi anashauriwa pia kukagua maelezo ya Muamala kabla ya kupokea bidhaa zilizonunuliwa na/au huduma zilizotolewa na kabla ya kuondoka kaunta ya Kituo cha Biashara. (d) Mara tu Kadi inapochanjwa, kuthibitishwa, na Muamala kuidhinishwa, Akaunti itatozwa haraka thamani kamili ya Muamala. (e) Benki haitawajibika kwa mipangilio au mazungumzo yoyote ambayo Mmiliki wa Kadi anaweza kufanya na Kituo cha Biashara, ikijumuisha (bila ukomo) aina au ubora wa bidhaa zilizotolewa na/au huduma zilizotolewa, au dhamana zozote zilizotolewa katika Kituo cha Biashara. Endapo Mmiliki wa Kadi ana malalamiko yoyote, yatatatuliwa na Mmiliki wa Kadi moja kwa moja na Kituo cha Biashara. Kushindwa kufanya hivyo hakutamuondolea Mmiliki wa Kadi (na endapo Kadi imetolewa kuhusiana na Akaunti ya pamoja, wamiliki wote wa Akaunti ya pamoja kwa pamoja na kila mmoja) wajibu wowote kwa Benki. Mmiliki wa Kadi anashauriwa pia kuijulisha Benki haraka kuhusu malalamiko, manung’uniko au migogoro yoyote na Kituo cha Biashara. (f) Benki haitawajibika kwa ada ya ziada yoyote itakayotozwa na Kituo cha Biashara. (g) Endapo Mmiliki wa Kadi atataka kubatilisha Muamala uliokamilika kutokana na kosa au kutokana na kurejesha bidhaa kwa Kituo cha Biashara, stakabadhi ya awali ya mauzo iliyotolewa na Kituo cha Biashara, pamoja na nakala ya stakabadhi ya kubatilisha, zinapaswa zihifadhiwe na Mmiliki wa Kadi. Urejeshaji/ubatilishaji makato kutokana na miamala hiyo utashughulikiwa kwa njia ya isiyo ya kielektroni na utafanywa na Benki baada ya kupokea nyaraka zinazohusika tu. (h) Iwapo Mmiliki wa Kadi, au mtu yeyote aliyeidhinishwa kutumia Kadi, atatoa mamlaka iwe kwa kuhusisha kuponi iliyosainiwa, vocha ya usajili, maelekezo ya simu au atatoa namba ya Kadi ili kufanya ununuzi au kupata taarifa ya fedha bila kuwasilisha Kadi (kama vile kwa agizo la barua, agizo la simu au intaneti), athari yake kisheria itakuwa sawa na ile ya Kadi kutumika na Mmiliki wa Kadi na vocha ya mauzo au nyaraka nyingine yoyote (au vocha ya kutoa fedha) kusainiwa na Mmiliki wa Kadi. Benki itaitoza Akaunti ya Kadi kwa kiasi cha miamala yote ya Kadi, na Mmiliki wa Kadi atawajibika kuilipa Benki kiasi chote kilichotozwa, iwe vocha au nyaraka hiyo imesainiwa na Mmiliki wa Kadi au vinginevyo, na bila kujali haki au wajibu wowote kati ya Kituo cha Biashara na Mmiliki wa Kadi.

4. KUPOTEA AU KUIBWA KWA KADI AU NAMBA YA SIRI

Mmiliki wa Kadi anatakiwa kuchukua tahadhari zote zinazostahili ili kuhakikisha usalama wa Kadi na Namba ya Siri wakati wote, na kuzuia kupotea na/au matumizi ya Kadi au Namba ya Siri kwa mtu mwingine yeyote. Kwa hiyo, Mmiliki wa Kadi hatakiwi kamwe kumwonesha mtu yeyote Namba yake ya Siri kwa hali yoyote ile. Iwapo Kadi itapotea au kuibwa, au iwapo Namba ya Siri itaonekana kwa mtu asiyeidhinishwa, Mmiliki wa Kadi anatakiwa kuiarifu Benki haraka kuhusu kupotea, kuibwa au kuonekana huko. Taarifa yoyote ya mdomo inapaswa ithibitishwe haraka kwa maandishi. Mmiliki wa Kadi (na endapo Kadi imetolewa kwa Akaunti ya pamoja, wamiliki wote wa Akaunti ya pamoja kwa pamoja na kila mmoja wao) atawajibika kwa Muamala wowote uliotekelezwa kabla ya Benki kupokea taarifa ya maandishi kuhusu kupotea, kuibwa au kuoneshwa kwa Kadi au Namba ya Siri (kulingana na hali itakavyokuwa).

5. ADA NA TOZO ZA HUDUMA

Kwa kila Mmiliki wa Kadi, Benki itakuwa na haki, kwa hiari yake kamili na ya pekee, kutoza na kukata katika Akaunti ada na tozo zozote katika vipindi mbalimbali na kumjulisha Mmiliki wa Kadi, ikijumuisha (bila ukomo) ada ya awali ya utoaji wa Kadi, ada ya utoaji upya na/au ubadilishaji wa Kadi, ada ya huduma kwa matumizi ya Kadi kwa kiasi kitakachobainishwa na Benki katika vipindi mbalimbali kwa matumizi ya kadi, na tozo kwa utekelezaji wa Miamala kama Benki itakavyobainisha katika vipindi mbalimbali. Kushindwa kwa Benki kumjulisha Mmiliki wa Kadi hakutaathiri kwa namna yoyote ile haki ya Benki kukusanya ada na tozo hizo kutoka kwa Mmiliki wa Kadi (na endapo Kadi imetolewa kwa ajili ya Akaunti ya pamoja, wamiliki wa Akaunti ya pamoja). Iwapo Kadi itatumika katika ATM zinazomilikiwa na Washirika wa Mtandao wa Pamoja wa Benki, ada ya huduma inaweza kutozwa na mwendeshaji wa ATM na/au mtandao wa uhamishaji wa kielektroniki kwa utekelezaji wa Muamala unaohusika.

6. NAMBA BINAFSI YA UTAMBULISHO

Ili kumwezesha Mmiliki wa Kadi kutumia Kadi, Namba ya Siri itatolewa kwa Mmiliki wa Kadi. Namba hiyo ya Siri itatumwa kwa njia ya posta na/au kukabidhiwa kwa Mmiliki wa Kadi baada ya kuthibitishwa kwa utambulisho wake, na Mmiliki wa Kadi atahakikisha kuwa anaipokea katika bahasha iliyofungwa. Namba ya Siri inaweza kubadilishwa hapo baadaye na Mmiliki wa Kadi, kwa tahadhari zake mwenyewe, kupitia ATM yoyote inayotoa huduma hiyo. Usalama wa Namba ya Siri ni muhimu na unapaswa udumishwe na Mmiliki wa Kadi wakati wote. Mmiliki wa Kadi (na endapo Kadi imetolewa kwa ajili ya Akaunti ya pamoja, wamiliki wa Akaunti ya pamoja, kwa pamoja na kila mmoja wao) anaweza kuwajibika kwa matumizi yasiyoidhinishwa ya Kadi; na maelekezo yoyote yanayotolewa kwa kutumia Kadi na Namba ya Siri, iwe kwa pamoja au kwa kila moja, kwa hiari kamili ya Benki, yanaweza kuchukuliwa kuwa ni maelekezo ya Mmiliki wa Kadi. Mmiliki wa Kadi atahakikisha kuwa hamwoneshi mtu yeyote Namba ya Siri, na atachukua tahadhari za kutosha kuzuia mtu mwingine yeyote kuiona Namba yake ya Siri ikiingizwa kwenye ATM au Kifaa cha POS. Inashauriwa Mmiliki wa Kadi aikumbuke Namba ya Siri kichwani na afute taarifa zozote zilizoandikwa.

7. USALAMA WA NAMBA YA SIRI

Mmiliki wa Kadi anatakiwa:

• kutoonesha Namba ya Siri kwa mtu yeyote, ikijumuisha (bila ukomo) Mmiliki mwingine wa Kadi, mwanafamilia au rafiki;
• kuchukua tahadhari ili kuzuia mtu yeyote kuiona Namba ya Siri ikiingizwa kwenye ATM au Kifaa cha POS;
• kutoandika au kuonesha Namba ya Siri kwenye Kadi au mahali pengine popote, hata kwa njia ya kificho; aihifadhi kichwani na afute taarifa yake yoyote.

8. KUREJESHA/KUBADILISHA KADI

Kadi iliyotolewa kwa Mmiliki wa Kadi itabaki kuwa mali ya Benki na inapaswa irejeshwe kwa Benki pale itakapohitajika. Mmiliki wa Kadi anatakiwa kuirejesha Kadi kwa Benki kwa ajili ya kufutwa iwapo hataki tena kuitumia, au endapo Benki, kwa sababu yoyote ile, itaondoa huduma. Mmiliki wa Kadi hatakiwi kuitumia au kujaribu kuitumia Kadi baada ya kupokea taarifa ya kufutwa au kuondolewa kwa huduma. Baada ya kupokea maombi ya maandishi ya kubadilisha Kadi iliyoharibika au iliyopotea, Benki, baada ya kufanya uthibitisho unaohitajika, inaweza kutoa Kadi mbadala na kuikata Akaunti kwa ada ya ubadilishaji inayotumika kwa wakati unaohusika.

9. USITISHWAJI

Mmiliki wa Kadi anaweza kuacha kutumia Kadi na huduma za kadi ya Benki zinazotolewa na Benki wakati wowote kwa kutoa notisi ya maandishi kwa Benki, ikiambatana na kuirejesha Kadi ikiwa imekatwa vipande viwili. Mmiliki wa Kadi (na endapo Kadi imetolewa kwa ajili ya Akaunti ya pamoja, wamiliki wa Akaunti ya pamoja) ataendelea kuwajibika kwa Miamala na/au ada zote zilizotekelezwa hadi Benki ipokee na kuthibitisha notisi ya maandishi ya usitishwaji. Benki itakuwa na haki ya kusitisha huduma za kadi ya Benki wakati wowote kwa kuifuta Kadi hiyo, bila kutoa sababu, baada ya kutoa notisi ya siku saba (7). Notisi hiyo itatolewa ama kwa posta kwenda kwenye anwani ya Mmiliki wa Kadi iliyofikia mwisho kwa Benki, au kwa baruapepe kwenye anwani ya baruapepe iliyobainishwa katika Fomu ya Maombi. Notisi itachukuliwa kuwa imetolewa siku saba (7) baada ya kutumwa kwa posta au siku saba (7) baada ya kutumwa kwa baruapepe, kulingana na hali itakavyokuwa. Baada ya usitishwaji, iwe kwa maombi ya Mmiliki wa Kadi au na Benki, Benki haitalazimika kurejesha kiasi chochote kwa Mmiliki wa Kadi (na endapo Kadi imetolewa kwa ajili ya Akaunti ya pamoja, kwa mmiliki yeyote wa Akaunti ya pamoja), iwe ni ada zilizolipwa awali au vinginevyo.

10. TAARIFA YA AKAUNTI

Miamala yote inayofanywa kwa kutumia Kadi itaonekana katika Taarifa ya Akaunti ya kila mwezi na itazingatia Vigezo na Masharti ya Jumla yanaiyosimamia Akaunti.

11. ADA NA TOZO ZA SERIKALI

Ushuru, ada, kodi au tozo zozote za Serikali au mamlaka nyingine zinazohusika za kodi zinazohusiana na chochote zitalipwa na Mmiliki wa Kadi na kukatwa na Benki katika Akaunti.

12. AKAUNTI NA KADI NYINGI

• Kikomo cha utoaji wa fedha cha kila siku kwa Kadi kitahusu jumla ya utoaji wa kila siku unaofanywa kutoka katika Akaunti zote zinazohusishwa na Kadi hiyo.
• Endapo Akaunti ni ya pamoja na mamlaka ni either/or survivor, baada ya kila mmiliki wa Akaunti ya pamoja kujaza na kutia saini Fomu ya Maombi, mmiliki yeyote wa Akaunti ya pamoja anaweza kupewa Kadi inayohusiana na Akaunti hiyo.
• Endapo Akaunti ni ya pamoja na Kadi zimetolewa kwa zaidi ya mmiliki mmoja (au wote) wa Akaunti ya pamoja, kila Kadi itakuwa chini ya kikomo cha utoaji wa fedha cha kila siku kwa Kadi inayohusika.

13. GHARAMA ZA UTEKELEZAJI

Mmiliki wa Kadi (na endapo Kadi imetolewa kwa ajili ya Akaunti ya pamoja, wamiliki wa Akaunti ya pamoja kwa pamoja na kila mmoja wao) ataifidia Benki kikamilifu na bila masharti kwa gharama zote zitakazotumiwa na Benki katika kutekeleza au kujaribu kutekeleza Vigezo na Masharti haya, au katika kukusanya kiasi chochote kinachodaiwa na Benki kutoka kwa Mmiliki wa Kadi, ikijumuisha ada zote za kisheria, ada za kufungua mashauri mahakamani na matumizi mengine yote.

14. MASHARTI YA JUMLA

(a) Kadi haiwezi kuhamishwa na haitakiwi kutumiwa na mtu yeyote isipokuwa Mmiliki wa Kadi. (b) Kadi itabaki kuwa mali ya Benki, na ikifutwa inapaswa irejeshwe kwa Benki pale inapohitajika. (c) Kadi iliyotolewa itakuwa na muda maalumu wa uhalali wake, na baada ya muda huo kuisha, Kadi mpya inaweza kutolewa na Benki kwa hiari yake kamili na ya pekee. (d) Kadi si ya mkopo wala si kadi ya dhamana ya hundi, na Mmiliki wa Kadi hataruhusiwa kuiwasilisha au kuitangaza kama kadi ya aina hiyo. (e) Akaunti hairuhusiwi kuingia kwenye deni kupitia utekelezaji wa Muamala kwa kutumia Kadi. (f) Fedha au hundi zinazowekwa kupitia ATM kwa ajili ya kuingizwa kwenye Akaunti zitakusanywa na Benki, na mapato yake hayatapatikana hadi pale Benki itakapopokea fedha zinazohusika kwa thamani kamili. (g) Utekelezaji wa Muamala wowote utakuwa chini ya masharti au mipaka ya uendeshaji iliyowekwa kwenye Akaunti. (h) Matumizi ya Kadi yatazingatia kanuni na masharti ya Viza. (i)   Mmiliki wa Kadi anaridhia Benki kufanya uchunguzi kwa madhumuni ya kuthibitisha taarifa zozote zilizotolewa na Mmiliki wa Kadi katika Fomu ya Maombi ya Kadi ya I & M Bank. (j) Benki inaweza kutoa au kuhamisha haki na mafao yake wakati wowote.

15. DHIMA YA MMILIKI WA KADI NA BENKI

(a) Mmiliki wa Kadi (na endapo Kadi imetolewa kwa ajili ya Akaunti ya pamoja, wamiliki wa Akaunti ya pamoja kwa pamoja na kila mmoja wao) atawajibika kikamilifu kwa kila Muamala unaotekelezwa kwa kutumia Kadi. Muamala wowote unapaswa utekelezwe kwa namna ambayo haitaweka wazi taarifa za siri zinazoonekana kwenye Kifaa cha POS kwa mtu yeyote mwingine. Benki haitawajibika kwa kuwekwa wazi kwa taarifa yoyote kwa mtu mwingine kunakotokana na utekelezaji wa Muamala. (b) Mmiliki wa Kadi (na endapo Kadi imetolewa kwa ajili ya Akaunti ya pamoja, mmiliki yeyote wa Akaunti ya pamoja) hataiwajibisha wala kuifanya Benki kuwa na hatia kwa namna yoyote dhidi ya hasara, madhara au uharibifu wowote, unaotokana na matumizi ya ATM, ikijumuisha kushindwa kutoa fedha kutokana na ukosefu wa fedha katika ATM ambayo Muamala unafanyika. (c)  Benki haitawajibika kwa kukataa au kushindwa kwa Kituo chochote cha Biashara, Kifaa cha POS au ATM kukubali au kuwajibika kwa Kadi, au kukamilisha Muamala, wala kwa kushikiliwa kwa Kadi na ATM au Kifaa cha POS.

16. KWA WAMILIKI WA AKAUNTI WENYE UMRI WA MIAKA 16 HADI 18, KADI YA BENKI INAWEZA KUTOLEWA KWA MASHARTI YAFUATAYO:

(a) Ridhaa ya Mlezi: Utoaji wa kadi ya Benki unahitaji ridhaa ya maandishi iliyo wazi ya mzazi au mlezi wa kisheria. (b) Kukabidhiwa kwa Mzazi/Mlezi: Kadi ya Benki inapaswa ichukuliwe na mzazi au mlezi aliyetoa ridhaa. (c) Uwajibikaji: Mzazi au mlezi wa kisheria anayeichukua kadi ya Benki atawajibika kikamilifu kwa matumizi ya Kadi, ikijumuisha mamlaka ya kuamua iwapo amkabidhi mtoto kadi hiyo au aiweke kwa ajili ya uhifadhi salama. Kwa kukubali masharti haya, mzazi au mlezi wa kisheria anakiri wajibu wake na anakubali kufuatilia matumizi ya kadi ya Benki ya mtoto, na kuhakikisha yanaendana na vigezo na masharti yote yanayosimamia matumizi yake.

17. MAZINGIRA YALIYO NJE YA UDHIBITI WA BENKI

(a) Benki haitawajibika kwa kushindwa kutekeleza majukumu yake yanayohusiana na shughuli za ATM kutokana na tukio lolote lililo nje ya udhibiti wa Benki. (b) Benki haitawajibika endapo itashindwa kutekeleza majukumu yake kutokana na (moja kwa moja au kwa njia isiyo ya moja kwa moja) kushindwa kwa mashine yoyote, mfumo wa uchakataji wa data au kiungo cha mawasiliano, au migogoro ya kikazi, migomo, kufungiwa kazini, vitendo vya adui wa umma, vita, vizuizi, maasi, ghasia, magonjwa ya mlipuko, maporomoko ya ardhi, radi, matetemeko ya ardhi, moto, dhoruba, mafuriko, machafuko ya kiraia, vitendo vya kigaidi, kanuni na maelekezo ya serikali, au tukio lolote lililo nje ya udhibiti wa moja kwa moja wa Benki, mawakala wake au wakandarasi wake wadogo.

18. MAREKEBISHO

(a) Vigezo na Masharti haya yanaweza kurekebishwa na/au kubadilishwa kwa ujumla au kwa sehemu, wakati wowote, na Benki kwa hiari yake kamili na ya pekee. Benki inaweza kumjulisha Mmiliki wa Kadi kuhusu marekebisho na/au mabadiliko hayo; hata hivyo, kushindwa kwa Benki kutoa taarifa hiyo hakutaathiri kwa namna yoyote ile uhalali au utekelezekaji wa Vigezo na Masharti kama yalivyorekebishwa na/au kubadilishwa. (b) Baada ya marekebisho na/au mabadiliko yoyote ya Vigezo na Masharti haya yatakayofanywa na Benki, matumizi yoyote ya baadaye ya Kadi yatachukuliwa kuwa ni kukubali marekebisho na/au mabadiliko hayo.

19. SHERIA

Vigezo na Masharti haya yatatafsiriwa na kutekelezwa kwa mujibu wa sheria za Jamhuri ya Muungano wa Tanzania, na Mmiliki wa Kadi (na endapo Kadi imetolewa kwa ajili ya Akaunti ya pamoja, wamiliki wote wa Akaunti ya pamoja) anakubali kuwa chini ya mamlaka ya Mahakama Kuu ya Tanzania.

   

1. Definitions and interpretation - 1.1 In these Terms and Conditions unless the context otherwise requires: (a) “Bank” means I&M Bank (T) Limited, a limited liability company incorporated in the United Republic of Tanzania and includes such Branches or Subsidiaries of the Bank as may from time to time be specified by the Bank to the Customer. (b) “Banking Day” means a day on which the counters of the Branch and/or the Bank Subsidiary (as applicable) are open for the transaction of ordinary business; (c) “Bank Subsidiary” means the subsidiary or subsidiaries of the Bank which may from time to time be specified by the Bank to the Customer; (d) “Branch” means a branch or branches of the Bank which may from time to time be specified by the Bank to the Customer; (e) “Bank Account” means the Customer’s personal and business transaction account(s), current overdraft facility account(s) and term and call deposit accounts (as the case may be) with the Bank; (f) “Customer” means the Bank’s Customer who is operating an active Bank Account; (g) “Deposit Account” means a Bank Account with an available credit balance; (h) “General Terms and Conditions” means the Bank’s General Terms and Conditions signed by the Customer at the time the Customer opens a Bank Account; (i) “Nominated User/s” means the representative or representatives of the Customer authorized by the Customer to hold and change the Password and hence to access the System and Service on behalf of the Customer; (j) “Password” means the secret password known only to the Customer or Customer’s Nominated User for access to the System. The Customer or Nominated User may change the password at will; (k) “Request” means a request or instruction received by the Bank from the Customer or purportedly from the Customer through the System and upon which the Bank is authorized to act on; (l) “Service” means the WhatsApp banking services, offered by the Bank which may be collectively branded by a product name, as the Customer may from time to time subscribe for; (m) “System” means the electronic banking and communications software enabling the Customer to communicate with the Bank for the purposes of the Service. (n) “Application” means a written application for the Service by a Customer; (o) “User ID” means a unique identifier of the Customer as recorded in the Bank’s core banking system; and (p) “WhatsApp” means the freeware, cross-platform messaging and voice over service which allows users to share media; (q) “Bank’s Service Number” means the Bank’s verified phone number for the use of the Service. 1.2 In these Terms and Conditions: (a) where “the Customer” is more than one person, references to “the Customer” shall include all and/or persons and the obligations of the Customer shall be joint and several; (b) words in the singular shall include the plural and vice versa and words importing any gender shall include all other genders; (c) the Customer agrees that the Terms and Conditions set out hereunder shall apply to the use of the Service, as provided by the Bank to the customer; and (d) the Customer further agrees to accept and abide by such Terms and Conditions and instructions from time to time in force. 2. Application by Customer - 2.1 In consideration of the Customer paying to the Bank the fees and charges set out in the tariff, the Bank shall provide the Customer the Service subject to and in accordance with these Terms and Conditions. 2.2 The Customer will apply for the Service by initiating a chat message to the Bank’s Service Number. The System will then validate and authenticate the Customer against their existing Bank Account records with the Bank. The Application shall be subject to the Bank’s approval. 2.3 Once the Bank has approved the Application and the Customer has been maintained in the Bank’s records as an authorized user of the Service, the Bank will provide the Customer with a User ID. The Customer shall create their preferred Password known only to them, and this Password along with their User ID will allow them access for use of the Service. 2.4 The Customer’s application for and use of the Service shall be subject to these Terms and Conditions.. Where there is any conflict between these Terms and Conditions and the Bank’s General Terms and Conditions, these Terms and Conditions shall apply. 3. Joint accounts - 3.1 Customers with joint accounts are jointly and severally liable under these Terms and Conditions. Application for the Service made by any of the joint account holders acting alone as per paragraph 2 above will be deemed to be binding on all the holders of the joint accounts. Each joint account holder acting alone, under an assigned User ID and Password may use the Service. The Bank shall not be required to obtain the consent of or notify any other joint account holder of the Requests. However each joint account holder may access the Service for the accounts for which they are an owner, joint owner or Nominated User using the assigned User ID and Password. 3.2 Each joint account holder releases the Bank from any and all liability and agrees not to make any claim or bring any action against the Bank for honouring or allowing any actions or requests whether the person performing the transaction is one of the joint account holders or is otherwise authorized to use the Service. 4. Customer’s Facilities and Customer’s Responsibilities - 4.1 The Customer shall at their own expense provide and maintain in safe and efficient operating order such hardware, software and other facilities (including access to any public telecommunications systems) and any communications network (collectively “the Facilities”) necessary for the purpose of accessing the System and the Service. 4.2 The Customer shall be responsible for ensuring proper performance of the Facilities including any losses or delays that may be caused by the Facilities. The Bank shall neither be responsible nor liable for any errors or failures caused by any malfunction of the Facilities nor shall the Bank be responsible or liable for any related problems that may be associated with the use of the System, the Service and the Facilities. The Customer shall be responsible for charges due to any service provider providing the Customer with connection to the internet and the Bank shall not be responsible or liable for losses or delays caused by any such services provider. 4.3 The Customer shall provide the Bank with consent prior to access and use of the System and shall ensure that all persons it allows to have access to the System shall comply with all laws and regulations applicable to the use of the System and shall follow all instructions, procedures and terms contained in these Terms and Conditions and any document provided by the Bank concerning the use of the System and Service. 4.4 The Customer shall prevent any unauthorized access to or use of the System and Service by keeping their User ID and Password secret at all times. 4.5 The Customer shall take all reasonable and necessary precautions to detect any unauthorized use of the System and Service. To that end, the Customer shall ensure that all communications from the Bank are examined and checked by or on behalf of the Customer as soon as practicable after receipt by the Customer in such a way that any unauthorized use of and access to the System will be detected. 4.6 The Customer shall immediately inform the Bank by telephone with a written confirmation sent the same day in the event that: (a) the Customer has reason to believe that any Password used by the Customer to gain access to the Service and to communicate with the Bank is or may be known to any person not authorized to know the same and/or has been compromised; and/or (b) the Customer has reason to believe that unauthorized use of the Service has or may have occurred or could occur and a transaction may have been fraudulently input or compromised. 4.7 The Customer shall not send or attempt to send any Request to the Bank through the System if the Customer has reason to believe that for any reason such Request may not be received by the Bank or may not be received accurately and intelligibly. 4.8 The Customer shall at all times follow the security procedures notified to the Customer by the Bank from time to time. The Customer acknowledges that any failure on the part of the Customer to follow the recommended security procedures may result in a breach of the Customer’s profile confidentiality and may lead to unauthorized transactions in account(s) linked to the Customer’s Service subscription with the Bank. In particular, the Customer shall ensure that the Service is not used or Requests are not issued or the Relevant functions are not performed by anyone other than a person authorized to do so. 4.9 The Customer shall not at any time operate or use the Service in any manner that may be prejudicial to the Bank. 4.10 The Bank shall be entitled and authorized to debit the Customer’s Bank Account with the amounts of the transactions effected via the Service as well as debit the Customer’s Bank Account with the amount of any fees applicable to the Service from time to time. 4.11 With regards to reversal that lead to failed transactions owing to system failures or reversals owing to erroneous crediting of an unintended beneficiary, the Customer irrevocably authorizes the Bank to act on all Requests and to hold the Customer liable notwithstanding that such Requests are not issued by/and or authorized by the Customer and/or are not in accordance with any existing mandates given by the Customer. If the Customer requests the Bank to cancel any transaction or instruction after a Request has been received by the Bank from the Customer, the Bank shall cancel such transaction or instruction provided that it has not been effected by the time of receipt of Customer notice. 4.12 The Customer account shall remain active from the time the Customer logs on the Service as long as there is continuous and consistent activity from the Customer on the System. The Customer shall be considered inactive and the System shall log out the Customer after a period of inactivity of sixty (60) seconds, whereby the Customer shall be required to log in again to use the Service. 5. Irrevocable Authority of the Bank - 5.1 The Bank is irrevocably authorized by the Customer to act on all Requests received by the Bank from the Customer (or purportedly from the Customer) through the System and to hold the Customer liable thereof, notwithstanding that any such requests are not authorized by the Customer or are not in accordance with any existing mandates given by the Customer. If the Customer requests the Bank to cancel any transaction or instruction after a Request has been received by the Bank from the Customer, the Bank may in its absolute discretion cancel such transaction or instruction but shall have no obligation to do so. 5.2 The Bank shall be entitled to accept and to act upon any request, even if that Request is otherwise for any reason incomplete or ambiguous if, in its absolute discretion, the Bank believes that it can correct the incomplete or ambiguous information in the Request without reference to the Customer being necessary. 5.3 The Bank shall not be obliged to accept or to act upon any Request if to do so would require access to, action by, or information from the Branch, or any Bank Subsidiary located in any jurisdiction where it is not a Banking Day at the relevant time when such access, action or information is required or would cause a breach of any existing mandate facility limit or agreement between the Bank, the Branch and/or Bank Subsidiary (as applicable) and the Customer. In the event that the Bank does accept or act upon any such Request, the Customer shall remain liable thereof. 5.4 In the event of any conflict between any terms of any Request from the Customer and the terms of these Terms and Conditions, the terms of these Terms and Conditions shall prevail. These Terms and Conditions and all authorizations and other procedures agreed under these Terms and Conditions supplement any General Terms and Conditions and any mandates, which apply to the Customer’s Bank Accounts with the Bank. 6. Limits of the Service Transactions - 6.1 The Customer may transfer or effect a payment for any amount not exceeding Tanzania Shillings Twenty Five Million (TSHS 25M) or the equivalent in any other currency for internal transfers, and as long as the transaction does not cause the balance in the Deposit Account to be less than zero unless the Customer has either an approved overdraft facility for the affected Deposit Account or a term Deposit Account pledged with the Bank to cover excesses that may arise in the affected Deposit Account from time to time in which case the two accounts are linked in the System for that purpose. 6.2 If the Customer has an approved overdraft facility or term Deposit Account linked to the payment Deposit Account, the transfers and/or electronic bill payments using the Service should not exceed the approved overdraft facility or the pledged term Deposit Account. 7. Records of Transactions and Customer Rights to this Information. - 7.1 All activities performed by the Customer once allowed access into the System will be logged until the Customer ends a session. The Bank shall maintain copies of all Requests received from the Customer in electronic form. In addition, any hard copies of documentation prepared by the Bank in the process of effecting a transaction as per the Customer’s Requests will be maintained. As between the Customer and the Bank, the Bank’s copy records shall be conclusive evidence of the fact of receipt or non-receipt of a Request and of the contents of such Request. 7.2 The Account statement (hereinafter “the Account Statement”) that the Customer receives at the determined product frequency will reflect all the Service transactions. 7.3 The Customer shall be deemed to have accepted and shall not subsequently challenge or object to any of the transactions contained in the Account Statement if the Customer fails to object to the Account Statement in writing within 30 days from the date the Account Statement was sent or deemed to have been sent to the Customer by the Bank. 8. Charges - 8.1 The Customer shall pay to the Bank transaction charges applicable to various transaction types as advised by the Bank from time to time. The Bank may in its sole discretion revise these charges and fees. 8.2 The Customer shall pay any tax chargeable upon any sums payable by the Customer to the Bank and also any other charges or duties levied on the Customer or the Bank by any governmental or statutory body relating to the provision of the Service. 8.3 The Bank is hereby irrevocably authorized from time to time to debit any amounts payable by the Customer under the provisions of subparagraphs 8.1 and/or 8.2 to any account in any currency maintained by the Bank, the Branch and/or the Bank subsidiaries (as applicable) in the name of the Customer. In addition to the fees payable under these Terms and Conditions, the charges and fees applicable to the Customer’s Bank Accounts will apply. 9. Exclusion of Liability - 9.1 Circumstances not within the Bank’s control. The Bank shall not be responsible or liable for any loss suffered by the Customer should the Service be interfered with or be unavailable by reason of (a) any industrial action, (b) the failure of any of the Customer’s Facilities, or (c) any other circumstances whatsoever not reasonably within the Bank’s control including, without limitation, force majeure or error, interruption, delay or non-availability of the System, terrorist or any enemy action equipment failure, loss of power, adverse weather or atmospheric conditions, and failure of any public or private telecommunications system. 9.2 Electronic Bill Payments and Transfer of Funds. (a) the Bank will not be liable for any losses or damage suffered by the Customer as a result of delay, failure and/or refusal by the Bank to act on a Request in time or at all in any one or more of the following circumstances (as the case may be): (i) if the Customer does not have enough funds in the Deposit Account; (ii) if the payment or transfer would result in the Customer’s approved overdraft facility limit being exceeded; (iii) if the Customer does not authorize a bill payment in good enough time for the payment to be made and properly credited by the payee (the Customer’s counter-party) by the time it is due; (iv) if the System or the Customer’s Facilities were not working properly; (v) if circumstances beyond the Bank’s control including those specified in sub paragraph 10.1 above prevent the Bank from making a payment or transfer; (vi) if the money in the Customer’s account is subject to legal process court order or other encumbrance restricting the payment or transfer; (vii) if the Customer does not give proper or complete instructions for the payment or transfer or the Customer does not follow the procedures in this or other applicable agreement with the Bank for requesting a payment or a transfer; (viii) if the Bank has reason to believe that the Customer or someone else is using the Service for fraudulent or illegal purposes; (ix) if a payment or a transfer request would consist of money deposited in a form or by a method that has not yet made the money available for withdrawal; (x) if the payment or transfer request is in contradiction or conflict with other existing account agreements with the customer; and (xi) if the payment or transfer request is received at a time when it is operationally not possible to effect the same within working hours of that day. (b) if the Bank makes a timely payment or transfer but the payee nevertheless fails to credit the Customer’s payment promptly after receipt, the Bank shall not be liable for any loss or damage suffered by the Customer as a result of such failure on the part of the payee. 9.3 Indemnity. (a) the Customer shall indemnify and keep the Bank indemnified on a full and unqualified indemnity basis against all and any costs (including legal costs), claims, actions, proceedings, losses, damage, demands, liabilities, and expenses suffered or incurred by the Bank in connection with or arising from (a), (b) and/or (c) of subparagraph 9.1 or where the particular circumstances is within the Customer’s control and against all and any costs (including legal costs), claims, actions, proceedings, losses, damage, demands, liabilities, and expenses suffered or incurred by the Bank as a consequence of any breach by the Customer of any term or condition hereof; (b) the Customer shall indemnify and keep indemnified the Bank against any demands, claims, actions, losses, damages or costs relating to or in connection with the Service, whether directly or indirectly, unless such demands, claims, actions, losses, damages, or costs arose as a direct consequence of the gross negligence or willful misconduct of the Bank or any of its employees; (c) the Customer shall indemnify and keep indemnified the Bank against the following: (i) all demands, claims, actions, losses and damages of whatever nature which may be brought against the Bank or which it may suffer or incur arising from the Bank’s reliance on any incorrect, illegible, incomplete or inaccurate information or data contained in any Request received by the Bank; (ii) any loss or damage that may arise from the Customer’s use, misuse, abuse or possession of any third party software, including without limitation, any operating system, browser software or any other software packages or programs; (iii) any unauthorized access to the Customer’s accounts or any breach of security or any destruction or accessing of the Customer’s data or any destruction or theft of or damage to any to the Customer’s equipment; (iv) any loss or damage occasioned by the failure by the Customer to adhere to any terms and conditions applicable to the Service and/or by supplying of incorrect information or loss or damage occasioned by the failure or unavailability of third party facilities or systems or the inability of a third party to process a transaction. 9.4 if for any reason other than a reason mentioned in subparagraph 9.1 the Service is interfered with or unavailable, the Bank’s sole liability in respect thereof shall be to re-establish the Service as soon as reasonably practicable or, at the Bank’s option, to provide to the Customer alternative banking facilities which need not be electronic facilities. 9.5 save as provided in subparagraph 9.4, the Bank shall not be liable to the Customer for any interference with or unavailability of the Service, howsoever caused. 9.6 under no circumstances shall the Bank be liable to the Customer for any loss of profit or anticipated savings or for any indirect or consequential loss of whatever kind, howsoever caused, arising out of or in connection with the Service. 9.7 except in respect of death or personal injury caused by the negligence of the Bank, the Bank shall be under no liability for any claim whatsoever in respect of any terms and conditions contained herein or their performance thereof or any transactions effected by the Bank in response to any Request unless the Bank has received notice in writing of any such claim from the Customer: (a) in the case of any claim relating to a transaction, within thirty (30) days from the date of the alleged transaction on which such claim is based; and (b) in all other cases within ninety (90) days of the date of the alleged action or inaction by the Bank on which such claim is based. 9.8 to the extent permitted by law, the Bank: (a) disclaims all warranties with respect to the System and Service either express or implied, including but not limited to any implied warranties relating to quality, fitness for any particular purpose or ability to achieve a certain result; and (b) makes no warranty that the System is error free or that its use will be uninterrupted and the Customer acknowledges and agrees that the existence of such errors shall not constitute a breach of these Terms and Conditions. 10. Amendments - The Bank may vary these Terms and Conditions at any time by giving a 30 days’ notice to the Customer. Notification of any such variation will be given to the Customer either in writing or by publication thereof by such means as the Bank may decide and such variation shall be binding on the Customer. 11. Termination - 11.1 Notwithstanding anything contained in these Terms and Conditions, the Subscription may be terminated at any time by either party. 11.2 Upon termination, if the Customer re-applies for a Subscription, a reconnection fee may be payable. 11.3 The Bank may unilaterally terminate the Subscription for any reason, including but not limited to in the event that the Customer’s Bank Account does not have sufficient available balances for the Bank to debit the applicable charges for the Subscription. 11.4 The Customer may terminate or deregister or deactivate from using the Service under “Services” menu item then “Deactivate from WhatsApp Banking”. 11.5 The termination of the Service shall not, in itself, terminate or affect the relationship between the Bank and the Customer. 12. General Provisions - 12.1 The Customer shall not assign any benefit or any rights arising hereunder without the prior written consent or confirmation from the Bank. 12.2 No waiver by the Bank of any breach by the Customer of any of the Terms and Conditions hereof shall be effective unless it is an express waiver in writing of such breach. No waiver of any such breach shall waive any subsequent breach by the Customer. 12.3 the Customer acknowledges: (a) that he/she has not relied upon any representation, warranty, promise, statement of opinion or other inducement made or given by or on behalf of or purportedly by or on behalf of the Bank in deciding to; and that (b) no person has or has had authority on behalf of the Bank whether before, on or after the subscription to make or give any such representation, warranty, promise, statement of opinion or other inducement to the Customer or to enter into any collateral or side agreement of any kind with the Customer in connection with the Service. 12.4 for the avoidance of doubt, nothing herein shall vary, discharge or in any other way affect or prejudice any security granted by the Customer or any third party in favour of the Bank in relation to any obligations of the Customer which may rise if any Request from the Customer hereunder is acted upon by the Bank. 12.5 if any provision of these Terms and Conditions is or becomes illegal, invalid or unenforceable in any jurisdiction, such illegality, invalidity or enforceability shall not affect the legality, validity or enforceability of the remaining provisions of these Terms and Conditions. 12.6 any notice required to be given in writing under these Terms and Conditions shall be sufficiently served if sent by registered post, stamped and properly addressed:- (a) to the manager of the Branch or of the Bank at the address of the Branch or the Bank, if to be served on the Bank; or (b) to the Customer at the address of the Customer as per the Bank’s records, if to be served on the Customer. And shall be deemed to have been served five Banking Days after posting. 13. Confidentiality and Disclosure - 13.1 The Customer undertakes to maintain strict confidentiality of its User ID and Password and any other information and materials of any nature supplied to it by the Bank in relation to the Service. The Customer agrees to notify its agents, employees and/or sub-contractors of the provisions of this paragraph and to impose this confidentiality requirement on its agents, employees and/or sub-contractors entering into separate agreements, if necessary. The Customer shall be fully liable to the Bank for any breach of the provisions of this paragraph by itself, its employees, agents and/or sub-contractors. 13.2 The Customer hereby agrees that, if necessary for the provision of the Service, the Bank may disclose information about the Customer to any member of the Bank Group. 13.3 The Customer also hereby agrees that the Bank may disclose information about the Customer to third parties in the following circumstances:- (a) where such disclosure is necessary in order for the Bank to act on a Request; (b) in order to comply with any law regulation or court order. If the Bank has to obey an order for information from an authorized government body, the Bank may, to the extent required by law, notify the Customer before giving out the information; (c) disclosure to the Bank’s agents, sub-contractors, auditors, attorneys and other professional service providers to the extent required in the normal course of their duties; (d) disclosure to a licensed credit reference agency the services of whom the Bank may have subscribed to; (e) if it involves a claim by or against the Bank in respect of an item deposited or drawn against the Customer’s account; and (f) If the Customer authorizes the disclosure. 14. Intellectual Property Rights - 14.1 The Customer acknowledges that the intellectual property rights in the System (and any amendments or enhancements thereto from time to time) and all associated documentation that the Bank provides to the Customer through the System or otherwise are vested either in the Bank or in other third parties from whom the Bank has a right to use and to sub-license the System and/or the said documentation. The Customer shall not infringe any such intellectual property rights. 14.2 The Customer shall not duplicate, reproduce or in any way tamper with the System 15. Headings - The headings contained in these Terms and Conditions are for convenience of reference only, and shall not be deemed to be a part of these Terms and Conditions neither be referred to in connection with the interpretation of these Terms and Conditions. 16. Severability - In the event that any provision of these Terms and Conditions or the application of any such provision to any person or set of circumstances shall be determined to be invalid, unlawful, void or unenforceable to any extent, the remainder of these Terms and Conditions and the application of such provision to persons or circumstances other than those as to which it is determined to be invalid, unlawful, void or unenforceable, shall not be impaired or otherwise affected and shall continue to be valid and enforceable to the fullest extent permitted by law. If there are two or more persons comprised in the expression “the Customer” then the undertakings and liabilities of the Customer under these Terms and Conditions shall be joint and in solid undertakings and liabilities shall be construed accordingly and reference herein to the “Customer” shall mean any or more of them. If the customer is a corporate body, then these Terms and Conditions shall continue in full force and effect and continue to bind each of its assigns and successors. 17. Governing Law - These Terms and Conditions shall be governed by and construed in accordance with the laws of the United Republic of Tanzania and all disputes, actions and other matters relating thereto will be determined in accordance with such law. PRIVACY NOTICE FOR ACCESS OF THE SERVICE - Privacy Notice This Privacy Notice (the “Notice”) governs how I&M Bank (T) Limited (hereafter, “I&MT”), collects, uses, and discloses personal data from and about consumers of I&MT services, website and web applications that link to this Notice (collectively referred to as, the “Services”). Personal data in this context means information relating to an identified or identifiable natural person. We advise you to read the Notice in its entirety, including the region-specific provisions in this Notice, which will apply to users in certain regions or jurisdictions. Personal data collected through the services I&MT collects and uses certain personal data in order to operate and provide you with access to the Services. This includes information that you provide to us and information that we collect automatically when you visit or interact with the Services. Information that you provide to us We collect personal data that you voluntarily provide to us when you use the Services. This information includes, without limitation: your email addresses, telephone numbers, and other contact details; biographical information; audio and visual data, social media information; submissions to our customer service; feedback on our website, web or mobile app; online preferences, such as alerts; and business information, such as your company name and industry. Information that we collect about your use of the services We collect information about your use of the Services and about the device you use to access the Services, including: the pages you request and visit; the posts you submit; information on your interaction with other users; information obtained in the course of maintaining or supporting the Services; information about your internet use, such as your IP address, the URLs of sites from which you arrive or leave the Services, your type of browser, your operating system, your internet service provider; and, if you access the Services via your mobile device, we may also collect information about your mobile provider, IMSI, IMEI and type of mobile device. We (and our data processors) use different technologies to collect this information, including cookies and web beacons. Cookies are small data files stored on your hard drive or in device memory that help us improve our Services and your experience, see which areas and features of our Services are popular, and count visits. Web beacons are electronic images that may be used in our Services or emails and help deliver cookies, count visits, and understand usage and campaign effectiveness. For more information about cookies and how to disable them, please visit this-page. Advertising and analytics services provided by others We may allow others to provide analytics services and serve advertisements on our behalf across the web and in mobile applications, to enhance our Services. These entities may use cookies, web beacons, device identifiers and other technologies to collect information about your use of the Services and other websites and applications, including your IP address, web browser, mobile network information, pages viewed, time spent on pages or in apps, links clicked, and conversion information. This information may be used by us and our data processors to, among other things, analyse and track data, determine the popularity of certain content, deliver advertising and content targeted to your interests on our Services and other websites, and better understand your online activity. For more information about interest-based ads, or to opt out of having your web browsing information used for behavioural advertising purposes, please visit this-page. Your device may also include a feature (“Limit Ad Tracking” on iOS or “Opt Out of Interest-Based Ads” or “Opt Out of Ads Personalization” on Android) that allows you to opt out of having certain information collected through apps used for behavioural advertising purposes. How personal data is used We use the personal data we collect to provide, maintain, and improve the Services. We also use it to: . Send you technical notices, general updates, goodwill messages, security alerts, and support and administrative messages (such as changes to our terms, conditions, and policies) and to respond to your comments, questions, and customer service requests; • Receive and respond to your submissions on the Services such as submissions on I&MT website, web applications and mobile applications, social media and submissions to Customer Service Contacts; • Permit you to participate in voluntary polls and surveys (we may use third parties to deliver incentives to you to participate in such polls and surveys, and you may be required to provide your contact details to the third party in order to fulfil the incentive offer); • Communicate with you about products, services, and events offered by I&MT and others, and provide news and information we think will be of interest to you (visit this-page for information about how to opt out of these communications at any time); • Monitor and analyse trends, usage, and activities in connection with our Services; • Develop new products and services and enhance current products and services; • Detect, investigate, and prevent fraudulent transactions and other illegal activities, and protect the rights and property of I&MT and others; and • Carry out any other purpose described to you at the time of collecting information. How personal data is shared We may share your personal data as follows or as otherwise described in this Notice: • With our data processors that host, maintain, manage, or provide other services to us in relation to the Services; • To co-operate with public and government authorities and law enforcement, to respond to a request, or to provide information in accordance to existing laws; • For other legal reasons, such as to monitor compliance with and enforce our terms and conditions, to protect our rights, privacy, safety, or property, and/or that of our affiliates, you or others, to protect against criminal activities, and for risk management purposes; and • In connection with a sale or business transaction, such as to an acquiring entity or its advisors in the event of any reorganization, merger, sale, joint venture, assignment, transfer or other disposition of all or any portion of our business, assets, or stock (including in connection with any bankruptcy or similar proceedings). We may also share aggregated pseudonymised or anonymised information that cannot reasonably be used to identify you. Children All our Services provided to children align to the data protection requirements for Minors. These include consent provided by the child’s parent/guardian and age verification. If you have reason to believe that a child has provided personal data to us, please contact us and we will endeavour to delete that information from our databases. Links to other websites The Services may contain links to other websites. Please note that IMT is not responsible for the privacy or information security practices of other websites. You should carefully review the applicable privacy and information security policies and notices for any other websites you click through to via the Services. This Notice applies solely to your personal data collected by the Services. Security We seek to use appropriate technical and organizational measures to safeguard personal data within our organization against loss, theft, breach, and unauthorized use, disclosure, or modification. Please refer to the content below to note your obligations in controlling you privacy and data. Control Your Privacy & Data Marketing emails and alerts If you no longer want to receive marketing-related emails and alerts from I&MT, you may opt out/ unsubscribe by following the instructions contained within each such email or through I&MT call centre. We will endeavour to comply with your request as soon as is reasonably practicable. Please note that if you opt out of receiving marketing-related emails and alerts, we may still send you administrative messages, from which you cannot opt out or unsubscribe. Cookies Most web browsers are set to accept cookies by default. If you prefer, you can usually choose to set your browser to remove or reject browser cookies. Please note that if you choose to remove or reject cookies, this could affect the availability and functionality of our Services. For more information about cookies and how to disable them, please visit this-page Changes to this notice From time to time, we may revise this Notice. Changes may be made for any number of reasons, including to reflect industry initiatives, changes in the law, and changes to the scope of the Services, among other reasons. You can tell when we last updated the Notice by checking the date at the beginning of the Notice. Any changes will become effective when we post the revised Notice on the Services. Contact us If you have any other questions concerning this Notice, please contact us Appendix Provisions regarding the Data Protection Act and General Data Protection Regulations (GDPR) which applies to European Union (EU) residents. Legal basis for processing When we process your personal data we will only do so in the following situations: • When we need to use your personal data to perform our responsibilities under our terms and conditions (e.g., to facilitate your participation in voluntary polls and surveys); • When we have a legitimate interest in processing your personal data. For example, we may process your personal data to send you marketing communications, to communicate with you about changes to the Services, and to provide, secure, and improve our Services; • When we find such processing is necessary to comply with our legal obligations; and • When we have your consent to do so. When consent is the legal basis for our processing, you may withdraw such consent at any time, in accordance to applicable laws and regulations. Data subject requests In your use of the Services, I&MT aims to give you more control of your personal data. We conform to the data protection principles that provide you with the following rights: • Right to access – you can ask us whether we are processing your personal data, including where and for what purpose. You can also access an electronic copy of your personal data. • Right to restrict processing – in certain circumstances, you can ask us to restrict our use of your personal data. • Right to rectification – you can ask us to correct inaccurate personal data we hold about you. • Right to erasure (right to be forgotten) – under certain circumstances, you can ask us to erase your personal data. • Right to data portability – at a cost, you can ask us to provide you with a copy of your personal data in a commonly used electronic format, so that you can transfer it to other businesses. • Right to object to automated decision-making – in certain circumstances, you can ask us not to make automated decisions about you based on your personal data, which produce significant legal effects. It is important to note that the above rights are subject to the applicable laws and regulations. Data retention We retain personal data for as long as required by applicable laws and regulations. Data controller Except as otherwise specified on any subsections within sites or apps that comprise the Services, your personal data will be controlled by I&MT. Data transfer Your personal data may be stored and processed in any country where we have facilities or in which we engage data processors in accordance to the applicable data protection laws and regulations. Acceptance Your use of the Services signifies that you agree to waive your material privacy rights. You also agree not to hold I&MT liable for use of your personal data from the Services as envisaged herein. Your use of the Services signifies your consent to allowing I&MT to disclose personal data as envisaged herein. You agree not to hold I&MT liable for any disclosure of such information.

1. The Agreement

1.1 This Agreement sets out the complete terms and conditions between you, Airtel Money Tanzania, and I&M Bank Tanzania for the Service (as hereinafter defined) and shall be binding on your personal representatives and assigns.

1.2 These terms and conditions and any amendments or variations thereto take effect on their date of publication.

1.3 These Terms are supplemental to the Airtel Money Terms and Conditions. In the event of any inconsistency between these Terms and the Airtel Money Terms and Conditions or any other relevant Terms and Conditions, these Terms and Conditions shall prevail.

2. Definitions

In these terms and conditions, the following words, and expressions (save where the context requires otherwise) bear the following meanings:

2.1 "Agreement" means these terms and conditions and any amendments that will be made from time to time.

2.2 "Applicant" means any person who, through the Opt-In Function, applies for enrolment or registration onto the Service and establishment of an Kamilisha Limit.

2.3 "Credit Reference Bureau" or "CRB" means a credit reference bureau duly licensed under the Banking Act pursuant to the Banking (Credit Reference Bureau) Regulations, 2013, as amended, revised, or promulgated from time to time, to inter alia, collect and facilitate the sharing of customer credit information.

2.4 "I&M" or "I&M Bank" means I&M Bank (T) Ltd., a Limited liability company incorporated in the United Republic of Tanzania and having its registered office at Maktaba Square/Maktaba Street of Post Office Box Number 1509, Dar es Salaam, Tanzania registered with the Registrar of Companies under registration number.

2.5 "Currency Equivalent" means the Tanzanian shillings (TZS) equivalent of the corresponding EValue amount.

2.6 "Customer" means any Applicant or any person who has registered to use the Service and has accepted this Agreement.

2.7 "Customer Care Centre" means a customer care Centre designated for the Service in accordance with these terms and conditions.

2.8 "Event of Default" refers to any of the circumstances set out in Clause 10 below.

2.9 "E-Value" means the electronic value issued by Airtel Money and transacted within Airtel Money Account and representing an entitlement to an equivalent amount of the cash monies.

2.10 "Equipment" includes your mobile phone handset, Airtel Money enabled SIM Card and/or other equipment which when used together enables you to access the Network.

2.11 "Facility" means any funds advanced to your Airtel Money Account to enable you to complete payments for the transactions and services provided under Clause 11 where your Airtel Money Account Balance has insufficient funds.

2.12 "Interest" means the Interest applicable for the Services and include:

1. An Initial One Time Interest of 5.9% of the Facility; and
2. An interest of 4.9% for the unpaid facility on Day 1
3. An interest of 7.40% on the unpaid facility on Day 2 – Day 5
4. An interest of 10.40% on the unpaid facility on Day 6 – Day 10
5. An interest of 12.90% on the unpaid facility on Day 11 – Day 15
6. An interest of 16% on the unpaid facility on Day 16
7. An Overdue interest of 5% on the unpaid facility on Day 30
8. Any other Interest for the Facility as communicated by us from time to time in accordance with this Agreement and includes any charges, and applicable taxes thereon under the laws of Tanzania.

2.15 "Government" means the National Government, County Government or any other Government lawfully established under the laws of Tanzania.

2.16 "NIDA" means the National Identification Authority operated by the Government.

2.17 "Know Your Customer" also known as KYC refers to the customer due diligence obligations prescribed by relevant laws and as may be prescribed or recommended by the Government or Bank of Tanzania from time to time.

2.18 "Airtel Money" means the money transfer and payment service that is managed and operated exclusively by Airtel Money in Tanzania and licensed by the National Payments System and Bank of Tanzania.

2.19 "Airtel Money Account" means the Airtel Money wallet registered in your name and through which you applied for the Services.

2.20 "Airtel Money Merchant Account" means the Airtel Money Merchant Wallet, that is registered in your name and is used by you to receive merchant payments.

2.21 "Airtel Money Subscriber" means a person who has registered to use Airtel Money and accepted the Airtel Money terms and conditions.

2.22 "Airtel Money Subscriber Credit Data" means data relating to your credit activity within the Airtel Money System.

2.23 "Airtel Money Subscriber Data" means an Airtel Money Subscriber's name and any of such subscriber's national identity card number, military card number, diplomatic identity card number, alien card number, passport number or driving licence number, as reflected in Airtel's records from time to time.

2.24 "Airtel Money System" means the technical platform for the time being providing the Airtel Money service.

2.25 "MSISDN" Mobile Subscriber Integrated Services Digital Network Number (Mobile Number).

2.26 "Network" means the mobile cellular network operated by Airtel.

2.27 "Opt-in Function" means the proprietary menu option developed by Airtel Money and available on USSD, Airtel Money enabled SIM Cards that enables Airtel Money Subscribers to apply to Airtel to register for the Service.

2.28 "Amount Due" refers to any Facility amount, Fees, Charges that remains unpaid after the Facility Period.

2.29 "Kamilisha Limit" means the maximum Facility amount you are allowed on the Service as defined, established and communicated to you by us from time to time based in your credit score.

2.30 "Party" refers to You, I&M Bank, or Airtel Money singularly.

2.31 "Parties" means You, I&M Bank or Airtel Money jointly.

2.32 "PIN" means your personal identification number being the secret code used to access and operate your Equipment on the Airtel Money System including but not restricted to access and use of the Service.

2.33 "Recovery Expenses" include any costs incurred by us to recover Overdue Amounts.

2.34 "Repayment" means repayment of any amount due under the Service as defined in these Terms and Conditions including but not restricted to repayment of the Facility, Fees and Interest.

2.34 "Facility Term" means the period agreed for full Repayment of the Facility, being the earlier of full repayment of the Facility or Fifteen (15) calendar days from the date when the outstanding Facility was first granted. The Facility Term shall not be affected by any subsequent or further Request made within the Overdraft Limit until the Facility is paid back in full.

2.35 "Request" means a request or instruction received by us from you or purportedly from you through the Network and the System and upon which we are authorized to act.

2.36 "Airtel Money" means a company incorporated in the United Republic of Tanzania whose principal place of business is at Airtel House corner of Ali Hassan Mwinyi Road & Kawawa Road, P.O. Box 9623, Dar Es Salaam, Tanzania.

2.37 "Service" or "Kamilisha Loan" means the Airtel Money service which allows Airtel Money Subscribers to take a loan from their Airtel Money Accounts in order to complete transactions in Accordance with this Agreement.

2.38 "SIM Card" means the subscriber identity module which when used together with other prescribed Equipment enables an Airtel Money Subscriber to use the Airtel Money Service.

2.39 "USSD" means the USSD service provided by Airtel.

2.40 "Cash merchant outlet" means a person appointed to offer Airtel Money registration, cash in and cash out services.

2.41 "We," "our," and "us," means both Airtel Money and I&M Bank and includes our successors and assigns.

2.42 "You" or "your" means the Customer and includes the Customer's personal representatives and assigns.

3. Acceptance of the Terms and Conditions

3.1 Before opting-in or registering for the Service, you should carefully read and understand these terms and conditions as they govern the access, use and operation of the Service. These Terms and Conditions are available on www.airtel.co.tz and https://www.imbank.com/tz/. Where you are unable to read and understand these terms and conditions from an electronic device you are requested to collect a printed version from any Airtel Shop.

3.2 If you do not agree with these terms and conditions, please click "Decline" on the Opt-in Function.

3.3 You will be deemed to have read, understood, and accepted these terms and conditions:

1. upon clicking on the "Accept" option on the Opt-in Function requesting you to confirm that you have read, understood, and agreed to abide by these terms and conditions; and or
2. by using or continuing to use and requesting for the Service.

3.4 By registering for the Service, you agree to comply with and be bound by these terms and conditions as amended and revised from time to time and you affirm that these terms and conditions are without prejudice to any other rights that we may have in law or otherwise regarding your registration, access, and use of the Service.

3.5 We may from time to time vary or amend these terms and conditions and your continued access and use of the Service constitutes your acceptance to be bound by the terms of any such amendment or variation.

4. Registering for the Service

4.1 By opting into the Service, you confirm that you are least eighteen (18) years old and a registered and active Airtel Money Subscriber for at least six (6) months immediately preceding the date of your application to register for the Service. We confirm that you are now a I&M Bank customer. We reserve the right to verify the authenticity and status of your Airtel Money Account and transactions and may decline your application if we are not satisfied that you have met these minimum requirements.

4.2 You may register for the Service on more than one MSISDN provided that these terms and conditions will apply to each Airtel Money Account that may be registered in your name.

4.3 You hereby agree and authorize us to exchange between Airtel Money and I&M Bank any of your personal information held by us in respect of provision of any Airtel Money or I&M Bank products and services including the Airtel Money Service. Such personal information includes but is not restricted to your phone number, name, date of birth, ID or Passport Number and such other information that will enable us to identify you and comply with the regulatory "know your customer" requirements (together the "Personal Information").

4.4 You also hereby agree and authorize us to use information relating to your use of the Airtel Money service, Airtel Money System, and other Airtel Money products as we shall require for purposes of delivering the Services.

4.5 You hereby agree and authorize us to contact you for various loan services including loan recovery and surveys through different channels including SMS, OBD (Out Bound Dialer), IVR (Interactive Voice Response) and calls through our recovery agents.

4.6 You may opt into the Service solely by way of an electronic application made by you using your Equipment via the USSD or any other channel which may be added in future.

4.7 You hereby agree and authorize us to obtain and procure your Personal Information contained in the NIDA System and you further agree and consent to the disclosure and provision of such Personal Information by the Government of Tanzania to us.

4.8 You hereby further acknowledge and authorize us to verify your Personal Information in our custody against the information received from the Government of Tanzania in your respect as contained in the NIDA.

4.9 We reserve the right to request further information from you pertaining to your application to register for the Service at any time. Failure to provide such information within the time we require may result in a decline of your application to register for the Service.

4.10 Our acceptance or decline of your application to register for the Service shall be communicated through an SMS sent to your Airtel registered mobile phone number (MSISDN) associated with your Airtel Money account and or Equipment. You acknowledge and accept that our acceptance of your application to register for the Service creates a separate and distinct contractual relationship between you and Airtel Money outside the terms and conditions that apply to your Airtel Money Account from time to time.

4.11 We reserve the right to decline your application to register for the Service or, subject to 15 days' notice or such other notice as may be required by law, to revoke your registration on the Service. Where we decline your application to register or revoke your registration, we shall endeavor to formally communicate to you our reasons for the same.

5. Your Requests

5.1 You hereby irrevocably authorize us to act on all Requests received by us using your Airtel Money PIN and to hold you liable in respect thereof. We may nevertheless refuse to conduct any requests beyond the scope of the Service as offered from time to time.

5.2 We shall be deemed to have acted properly and to have fully performed all our obligations upon our compliance with the Request. We may ask for further information or confirmation (whether written or otherwise) from you before complying with a Request but shall not be obliged to comply with a Request in the absence of such further information or confirmation.

5.3 We shall decline any Request for a Facility under the Service if you exhaust your Kamilisha Limit or Airtel Money transactional limit (as communicated by Airtel Money) and reserve the right to partly decline your Request if fully complying with the same would cause you to exceed the Kamilisha Limit or Airtel Money transactional limit. In deciding whether to offer you the Service, we shall take account of any outstanding Facilities plus Fees and interest on your Airtel Money Account in accordance with these terms and conditions or the terms and Conditions relating to the Airtel Money Service. We shall not be obliged to take account of regular credits, or any amounts received after declining such Request.

5.4 You hereby authorize us to affect such orders and act on such instructions in respect of your Airtel Money Account as may be required by the Government or any court order or by a competent authority or agency under the applicable laws.

6. Requesting a Facility

6.1 Upon opting into the Service, you will receive a confirmation message bearing your Kamilisha Limit.

6.2 If you are not allocated Kamilisha Limit, you must continue to transact on Airtel Money and use your Airtel SIM services such as voice and data to build a transaction history and enhance your credit score in order to be eligible for Kamilisha Limit.

6.3 By accepting these Terms and Conditions, you agree and admit that we reserve the exclusive right to set the Kamilisha Limit.

6.4 You may check your Kamilisha Limit using the appropriate menu option provided on your Equipment through Airtel Money USSD or any other channel which may be added in future.

6.5 You acknowledge that any Facility granted to you will result in an overdraft on your Airtel Money Account up to the equivalent of the value of the Facility, Fees, and Interest applicable to the Facility. The Interest will be added onto the Facility and deducted from your Airtel Money Account when you repay your facility through the Airtel Money USSD. The Fees will include any applicable taxes, levies, and excise duties applicable under the law.

6.6 Your Request for a Facility will be appraised according to our Facility appraisal procedures. We reserve the right at our sole discretion and, without assigning any reason, to approve or decline such Request. Communication of our acceptance or decline of your Request will be via SMS sent to your Airtel mobile phone number (MSISDN) and or Equipment.

6.7 Any Facility granted must be repaid in full within Thirty (30) days from the date when the Facility was first granted (the first draw down date). You will not qualify for any new or additional Facility where any facility remains outstanding beyond the Thirty (30) days or are in default of any of the Terms and Conditions of the Facility including these terms and Conditions.

6.8 You may Request for the Facility multiple times within the Facility Term subject to the Kamilisha Limit.

7. Kamilisha Limit

7.1 We may from time to time prescribe the minimum and maximum Facility you may be able to Request on the Service. Such limits will be communicated through SMS, our website, www.Airtel.co.tz or may obtained from any Airtel Shop.

7.2 The Kamilisha Limit is subject to review from time to time and we reserve the right to vary your Kamilisha Limit without giving any reasons. We shall notify you of any variation to the Kamilisha Limit and your continued use of the Service will constitute acceptance of your revised Kamilisha Limit.

7.3 Where you have any outstanding Facility for more than Thirty (30) days, your right to use the Service and any un-utilized Kamilisha limit will be suspended forthwith.

8. Credit Scoring

Your Kamilisha Limit and our continued approval of your Requests for a Facility will be determined by your credit score. Your credit score will be assessed based on various matters including the information obtained from your use of Airtel Services and the Airtel Money Service and repayment history on your existing Kamilisha Limit.

Your Kamilisha Limit and our continued approval of your Requests for a Facility will be determined by your credit score. Your credit score will be assessed based on various parameters including the information obtained from your use of Airtel phone Services, Airtel Money Service, the Kamilisha loan repayment history and that of other lenders through the Credit Reference bureaus.

9. Repaying the Facility

9.1 Provided that no event of default (as outlined in this Agreement) has occurred it is agreed that the Facility shall be available on an ongoing/continuous basis for a period of Thirty (30) days from the first date of utilization of the Facility (The Facility Term).

9.2 After the expiry of the Facility Term, we reserve the sole discretion to renew or extend the Facility Term. Subject to our periodic review of your limit as set out in Clause 7, you acknowledge that the renewal or extension will be under the existing terms and conditions. You will be notified of each instance of renewal or extension of the Facility Term.

9.3 You must repay your outstanding Facility, Fees, and Interest by accessing the repayment menu on Airtel Money USSD. You are responsible to ensure your outstanding Facility, Fees and Interest are repaid on or before the Thirty (30) day from your first facility drawdown.

9.4 We may terminate our relationship with you and suspend your access to the Service if you fail to repay the Facility in full together with any outstanding Fees within the Facility Term.

9.5 You may make multiple repayments during your Thirty (30) day facility term until your Facility, Fees and Interest are repaid in full.

9.6 Any funds repaid from you Airtel Money Account shall be applied towards Repayment of the amount due in the following order of priority:

1. First in repayment of all Fees and Interest.
2. Secondly towards repayment of the Facility.

9.7 You irrevocably instruct us to automatically recover the outstanding facility amount inclusive of fees where applicable from your Airtel Money Account after due date. In order to affect this, we shall automatically debit the amount due from the credits deposited or received into your Airtel Money Account at any time until the Facility is fully repaid.

10. Events of Default

An event of default occurs:

1. Where any Facility is due and unpaid for Thirty (30) days or more, or
2. If any representations or statements or particulars made by you are found to be incorrect; or
3. If you commit any breach or fail to observe, keep, or perform any of the terms, conditions covenants or provisions of any other agreement between us and yourself in respect of the Facility; or
4. If there is reasonable apprehension that you are unable to pay your debts, or we receive any notice that you have admitted any inability to pay your debts as they become due; or
5. If you are convicted under any criminal law in force related to use of the services or any other related services; or
6. If any judgement or decree in any legal proceedings is passed against you which is not satisfied within seven (7) days of demand, or
7. If a Garnishee or Attachment Order or a lien created against any of your deposits with us or assets maintained by you is made.
8. If you commit any breach or fail to observe, keep or perform any of the terms, conditions covenants or provisions of any other agreement between us and yourself in respect of the Facility; or

11. Consequences of Default

11.1 At any time after an Event of Default has occurred which is continuing, we may, without prejudice to any other right or remedy granted to us under any law:

1. terminate the Services in accordance with clause 23 below;
2. declare that the Facility (inclusive all fees and charges) and all other amounts outstanding under these Terms and Conditions is immediately due and payable, whereupon you shall be required to settle the Facility with immediate effect; and
3. submit information concerning the Event of Default to Credit Reference Bureaus as required under the Banking Act or any other regulatory body.
4. take reasonable measures including engaging an independent debt-collection agency, to recover the amount in default.

12. Using the Facility

12.1 You may only utilize your Facility to complete the following transactions on Airtel Money via USSD and any other channel which may be added in future (hereinafter "Permitted Transactions") to the extent that funds available on your Airtel Money Account would otherwise be inadequate to complete payment for the Permitted Transaction:

1. to send money to registered Airtel Money customers;
2. To make payments via Merchant Transactions "Lipia Bili" transactions. We may from time to time add or withdraw the Permitted Transactions;
3. To purchase Airtime on your Airtel SIM;
4. To purchase Bundles on your Airtel SIM
5. To send money to a registered user on another telco network "Tuma kwa mtandao mwingine".

12.2 Your Facility will be applied strictly for completion of Permitted Transactions.

12.3 You accept that completion of the Permitted Transactions and all matters arising from or related to completion of the Permitted Transactions shall be strictly governed by the terms and conditions for the Airtel Money Service.

12.4 We reserve the right to vary the Interest/Fees payable thereon from time to time having regard to the prevailing rules and regulations and our policies provided that increase of fees and charges will be affected thirty (30) days after issuance of a notice of the intended increment.

13. Security Rights

You agree not to terminate or cancel registration of your Airtel mobile phone number (MSISDN) when you have any Outstanding Amounts.

14. Statements

14.1 We shall from time to time, through Airtel and at your Request, provide you with statement(s) or activity report(s) in respect of your Airtel Money Account on your Equipment through the USSD ("the Mini Statement"). You may also from time-to-time request Airtel for statement(s) or activity reports in respect of your Airtel Money Account through the same channels.

14.2 The Mini Statement will provide details of your last five (5) transactions on the Service or such other number of transactions as we may determine.

14.3 The Mini Statement will not be sent to you in printed form but will be delivered to you either by SMS to the Airtel mobile phone number (MSISDN) associated with your Airtel Money Account or such other electronic means as we may determine. You shall be responsible for the payment of any charges associated with delivery of the Mini Statement to you.

14.4 You may obtain your full statement or the Mini Statement in printed form from your nearest Airtel Shop. You shall be responsible for payment of any charges payable for such printed statements.

14.5 The full statement and or Mini Statement will show all transactions conducted on your Airtel Money Account during the period requested and or since the previous statement. You must check your statement carefully and inform us as soon as possible, of any errors or anomalies or transactions not made in accordance with your instructions.

14.6 You will be deemed to have accepted all entries in your Statement if you do not raise queries or objections on the entries therein within fifteen (15) calendar days from the statement date.

14.7 Save for a manifest error, the full statement and or Mini Statement issued to you aforesaid in respect of your Airtel Money Account shall be conclusive evidence of the transactions carried out on your Airtel Money Account for the period covered in the Mini Statement and or full statement.

14.8 We reserve the right to rectify discrepancies, add and or alter the entries in your full statements or Mini Statement, without prior notice to you. We will however inform you of any rectification, additions and or alterations effected on your statements within seven (7) days before the changes are affected.

14.9 You will be notified of all transactions on your Airtel Money Account by way of SMS.

15. Loss of Equipment and Unauthorized Transactions

15.1 If you lose your Equipment or you for any reason you believe that an unauthorized person may have accessed your PIN, you shall immediately notify the Airtel Customer Care Centre at 100 for assistance.

15.2 Until and unless we receive your notice of loss or unauthorized access of the PIN as above, we shall remain authorized to accept any Requests on your Airtel Money Account using your PIN.

15.3 You shall give us and any person acting on our behalf all necessary assistance in any investigations, all information as to the circumstances of the loss or possible misuse of your Equipment or PIN to enable us to take all reasonable steps mitigate the loss incurred or likely to be incurred as a result of loss of the Equipment or misuse or unauthorized access to your PIN.

15.4 You consent to the disclosure by us to third parties of such information as is relevant concerning your Airtel Money Account in connection with such loss of your Equipment or possible misuse or unauthorized access of your PIN.

16. Customer Complaints

16.1 Complaints shall be made by calling 100 or by visiting any Airtel Shop.

16.2 We will take all reasonable measures within our means to resolve your complaints in accordance with the Airtel Money Terms and Conditions. We will manage all complaints in accordance with our complaints handling procedures, which are available on request from any Airtel Shop or the Airtel Customer Care Centre at 100. Where a notification regarding your complaint or any other matter is expected from us but not received, you are entitled to follow up on the complaint within a reasonable time after non-receipt of such notification.

17. Fees, Charges and Expenses

17.1 You are responsible for the payment of all applicable Fees and Interest Rates for the use of the Service. The Fees payable under this Service will be published in information pamphlets, daily newspapers, cash merchant outlets and on the I&M Bank and Airtel websites. Airtel's Customer Care team will be on hand to assist you with the Fee and Interest schedule if you are uncertain about the applicable Fee and Interest Rates.

17.2 All Fees and Interest charges are deducted at source and are subject to change at any time at our sole discretion.

17.3 Fees payable under the facility will be deducted from your Airtel Money Account when you make a manual repayment through the Airtel USSD system or any other channel which may be added in future.

17.4 You hereby agree to pay all Transaction Fees and Interest for repayment on your outstanding Facility, Fees, and Interest charges.

17.5 We shall, at the time when you make any Request on the Service notify you of the applicable Fees and Interest Rates to afford you an opportunity to confirm your knowledge and acceptance of them.

17.6 We shall provide a detailed breakdown of the Fees and Interest incurred in the full statement and Mini statement.

17.7 Fees relating to your use of the Airtel Money Service shall be strictly in accordance with the prevailing terms and conditions for Airtel Money Service.

18. Taxes

All repayments are inclusive any taxes payable by you. You hereby irrevocably grant us permission to revise the Fees upon any changes to taxes applicable.

19. Your Personal Information

19.1 You hereby expressly consent and authorize us to disclose, receive, record, or utilize your personal information or information or data relating to your Airtel Money Account with respect to the Facilities granted under the Service and any details of your use of the Services:

1. to and from our service providers, dealers, agents, or any other company that may be or become our affiliate or subsidiary or holding company for reasonable commercial purposes relating to the Services;
2. to a Credit Reference Bureau;
3. to independent debt-collection agencies;
4. to our lawyers, auditors, or other professional advisors or to any court or arbitration tribunal in connection with any legal or audit proceedings;
5. for reasonable commercial purposes connected to your use of the Services, such as marketing and research related activities; and
6. in business practices including but not limited to quality control, training and ensuring effective systems operation.

19.2 You authorize us to disclose any information relating to your Airtel Money Account to any local, foreign, or international law enforcement or governmental agencies so as to assist in the prevention, detection, investigation or prosecution of criminal activities or fraud or to any other institution or third party as required by the laws of any country and as we may deem necessary.

19.3 You authorize us to disclose, respond, advise, exchange, and communicate the details or information pertaining to your Airtel Money Account and or your Facility to third parties involved in the administration of your Airtel Money Account and Facilities, underwriting of insurance policies, updating of databases, or provision of user support.

19.4 You shall notify your nearest Airtel Shop in writing of any changes to your Personal information or update the same through the Equipment on USSD including but not restricted to your name and address. Until such notice is received, your Personal information shall be deemed to be that which you provided in your application to register for the Service.

20. Your Equipment and Responsibilities

20.1 You shall at your own expense provide and maintain in safe and efficient operating order such Equipment necessary for the purpose of accessing the Services. You shall be responsible for ensuring the proper performance of your Equipment. We shall neither be responsible for any errors or failures caused by any malfunction of your Equipment, and nor shall we be responsible for any computer virus or related problems that may be associated with your access and use of the Services and Equipment. You shall be responsible for charges due to any service provider providing you with connection to the Network and we shall not be responsible for losses or delays caused by any such service provider.

20.2 You shall follow all instructions, procedures and these terms and conditions and any other documents we may provide you concerning access and use of the Services and Equipment.

20.3 You agree and acknowledge that you shall be solely responsible for the safekeeping and proper use of your Equipment and for keeping your PIN secret and secure. You shall ensure that your PIN does not become known or come into possession of any unauthorized person. We shall not be liable for any disclosure of your PIN to any third party, and you hereby agree to indemnify and hold us harmless from any loss and damage we may incur as a result of your intentional, negligent or reckless disclosure of the PIN.

20.4 You shall take all reasonable precautions to detect any unauthorized use of your Equipment, PIN and or the Services and immediately notify Airtel to enable us to take steps to protect your Airtel Money Account.

20.5 You shall immediately inform us through the Customer Care Centre by dialing 100 from you Airtel SIM if:

1. You have reason to believe that your PIN is or may be known to any person not authorized to know the same and/or has been compromised; or
2. You have reason to believe that unauthorized use of the Service has or may have occurred or could occur and a transaction may have been fraudulently input or compromised.

20.6 You shall always follow the security procedures we notify you from time to time or such other procedures as may be applicable to the Services from time to time. You acknowledge that any failure on your part to follow the recommended security procedures may result in a breach of your responsibility to keep Personal Information confidential. In particular, you shall ensure that the Services are not used, or Requests are not issued, or the relevant functions are not performed by anyone other than a person authorized by you.

21. Intellectual Property Rights

You acknowledge that the intellectual property rights in the Service (and any amendments, upgrades, or enhancements thereto from time to time) and all associated documentation that we provide to you are vested either in Airtel or I&M Bank. You shall not infringe any such intellectual property rights.

You shall not duplicate, reproduce or in any way tamper with any documentation or functionality on the Equipment and USSD without I&M Bank and Airtel's prior written consent.

22. Indemnity

22.1 In consideration of the Bank complying with your instructions or Requests in relation the Airtel Money Account, you undertake to indemnify us and hold us harmless against any loss, charge, damage, expense, fee or claim which we may suffer or incur or sustain thereby and you absolve us from all liability for loss or damage which you may sustain from us acting on your instructions or requests or in accordance with these Terms and Conditions.

22.2 The indemnity in clause 22.1 shall also cover All demands, claims, actions, losses and damages of whatever nature which may be brought against any of us or which we may suffer or incur arising from its acting or not acting on any Request or arising from the malfunction or failure or unavailability of any hardware, software, or equipment, the loss or destruction of any data, power failures, corruption of storage media, natural phenomena, riots, acts of vandalism, sabotage, terrorism, any other event beyond the our control, interruption or distortion of communication links or arising from reliance on any person or any incorrect, illegible, incomplete or inaccurate information or data contained in any Request received by us.

22.3 The Indemnity in Clause 22.1 shall also cover any loss or damage that may arise from your use, misuse, abuse or possession of any third party software, including without limitation, any operating system, browser software or any other software packages or programs, any unauthorized access to your Airtel Money Account or any breach of security or any destruction or accessing of your data or any destruction or theft of or damage to any of your Equipment, any loss or damage occasioned by the failure by you to adhere to these Terms and Conditions and/or by supplying of incorrect information or loss or damage occasioned by the failure or unavailability of third party facilities or systems or the inability of a third party to process a transaction or any loss which may be incurred by us as a consequence of any breach by these Terms and Conditions by you.

23. Variation and Termination of Relationship

23.1 We may at any time, upon notice to you, terminate or vary our business relationship with you and suspend or discontinue your registration and or access to the Service:

1. if you use the Service or Facility for unauthorized purposes or where we detect any abuse/misuse, breach of content, fraud or attempted fraud relating to your use of the Services;
2. if your Airtel Money Account or agreement with Airtel is terminated for whatever reason;
3. if we are required or requested to comply with an order or instruction of or a recommendation from the government, court, regulator, or other competent authority to that effect or necessitating it;
4. if we reasonably suspect or believe that you are in breach of these terms and conditions (including nonpayment of any amount due from you where applicable);
5. where such a suspension or variation is necessary because of technical problems or for reasons of your safety or public access fees;
6. to facilitate update or upgrade the contents or functionality of the Services from time to time;
7. where your Airtel Money Account becomes inactive or dormant or is deemed abandoned.
8. if we decide to suspend or cease provision of the Services for commercial reasons or for any other reason as we may determine.

23.2 You may cancel registration for the Service at any time through your Equipment or at your nearest Airtel Shop. You may however not cancel registration if you have an outstanding and unpaid Facility, Overdue Amount or unpaid Fees and Interest.

23.3 Termination shall not affect any accrued rights and liabilities of either party and shall not affect your obligations to meet any liabilities incurred prior to such termination.

24. Breach of Terms and Conditions

In the event of any breach of these terms and conditions, we may in circumstances where you fail to comply or fail procure compliance with the terms of a notice consequently served on you, require immediate repayment in full of the Facility and/or forthwith terminate the contractual relationship with you without any consequential liability to you or any other person.

25. Dispute Resolution, Jurisdiction, and Arbitration

25.1 You may contact the Airtel Customer Care Center to report any disputes, claims or discrepancies in your Airtel Money Account.

25.2 This Agreement shall be governed by and construed in accordance with the laws of the Republic of Tanzania.

26. Death or Bankruptcy

On your death or bankruptcy, your obligations shall remain in full force and effect until such a time as they shall be duly satisfied.

27. Notices

Without prejudice to any other clause in these terms and conditions, all notices concerning the Service may be sent via SMS to the Airtel mobile phone number (MSISDN) associated with your Airtel Money Account and shall be deemed received even if we do not receive a delivery failure notice.

28. Miscellaneous

28.1 These terms and conditions (as may be amended from time to time) form a legally binding agreement binding on you and your personal representatives and successors.

28.2 This Agreement and any rights or liabilities accruing thereunder may not be assigned by you to any other person.

28.3 We may vary or amend these terms and conditions and bank tariffs at any time and without consultation to you provided that the Bank shall upon reasonable notice, inform you of any such variations or amendments in advance of their intended commencement date and such notice and particulars of the variations including the amended version of these terms and conditions shall be published on the I&M Bank and Airtel websites and may, additionally, be published in posters or pamphlets and availed at Airtel Shops, I&M Bank branches or in the daily newspapers or by any other means as we may determine.

28.4 No failure or delay by either yourself or on our part in exercising any right or remedy hereunder shall operate as a waiver thereof, nor shall any single or partial exercise of any right or remedy prevent any further or other exercise thereof or the exercise of any other right or remedy.

28.5 The rights and remedies herein provided are cumulative and not exclusive of any rights or remedies provided by law.

28.6 If any provision of these terms and conditions shall be found by any duly appointed arbitrator, court, or administrative body of competent jurisdiction to be invalid or unenforceable the invalidity or unenforceability of such provision shall not affect the other provisions herein.

28.7 Any variations or amendments to these terms and conditions shall be binding upon you as fully as if the same were contained in these terms and conditions.

28.8 Your contractual relationship with us is governed in all respects by the Laws of Tanzania and the parties submit to the exclusive jurisdiction of the Tanzania courts.

1. The Agreement

1.1. This Agreement sets out the complete terms and conditions between you, Airtel Money Tanzania, and I&M Bank Tanzania for the Service (as hereinafter defined) and shall be binding on your personal representatives and assigns.

1.2. These terms and conditions and any amendments or variations thereto take effect on their date of publication.

1.3. These Terms are supplemental to the Airtel Money Terms and Conditions. In the event of any inconsistency between these Terms and the Airtel Money Terms and Conditions or any other relevant Terms and Conditions, these Terms and Conditions shall prevail.

2. Definitions

In these terms and conditions, the following words, and expressions (save where the context requires otherwise) bear the following meanings:

2.1 "Agreement" means these terms and conditions and any amendments that will be made from time to time.

2.2 "Applicant" means any person who, through the Opt-In Function, applies for enrolment or registration onto the Service and establishment of an Jiboost Limit.

2.3 "Credit Reference Bureau" or "CRB" means a credit reference bureau duly licensed under the Banking Act pursuant to the Banking (Credit Reference Bureau) Regulations, 2013, as amended, revised, or promulgated from time to time, to inter alia, collect and facilitate the sharing of customer credit information.

2.4 "I&M" or "I&M Bank" means I&M Bank (T) Ltd., a Limited liability company incorporated in the United Republic of Tanzania and having its registered office at Maktaba Square/Maktaba Street of Post Office Box Number 1509, Dar es Salaam, Tanzania registered with the Registrar of Companies under registration number.

2.5 "Currency Equivalent" means the Tanzanian shillings (TZS) equivalent of the corresponding Value amount.

2.6 "Customer" means any Applicant or any person who has registered to use the Service and has accepted this Agreement.

2.7 "Customer Care Centre" means a customer care Centre designated for the Service in accordance with these terms and conditions.

2.8 "Event of Default" refers to any of the circumstances set out in Clause 10 below.

2.9 "E-Value" means the electronic value issued by Airtel Money and transacted within Airtel Money Account and representing an entitlement to an equivalent amount of the cash monies.

2.10 "Equipment" includes your mobile phone handset, Airtel Money enabled SIM Card and/or other equipment which when used together enables you to access the Network.

2.11 "Facility" means any funds advanced to your Airtel Money Account to enable you to complete payments for the transactions and services provided under Clause 11 where your Airtel Money Account Balance has insufficient funds.

2.12 "Interest" means the Interest applicable for the Services and include;

1. An Initial One Time Interest of 16% of the Facility; and
2. An Overdue interest of 16% and 18% on the unpaid facility at the end of tenure Day 7 and Day
3. Any other Interest for the Facility as communicated by us from time to time in accordance with this Agreement and includes any charges, and applicable taxes thereon under the laws of Tanzania.

2.15 "Government" means the National Government, County Government or any other Government lawfully established under the laws of Tanzania.

2.16 "NIDA" means the National Identification Authority operated by the Government.

2.17 "Know Your Customer" also known as KYC refers to the customer due diligence obligations prescribed by relevant laws and as may be prescribed or recommended by the Government or Bank of Tanzania from time to time;

2.18 "Airtel Money" means the money transfer and payment service that is managed and operated exclusively by Airtel Money in Tanzania and licensed by the National Payments System and Bank of Tanzania

2.19 "Airtel Money Account" means the Airtel Money wallet registered in your name and through which you applied for the Services

2.20 "Airtel Money Merchant Account" means the Airtel Money Merchant Wallet, that is registered in your name and is used by you to receive merchant payments

2.21 "Airtel Money Subscriber" means a person who has registered to use Airtel Money and accepted the Airtel Money terms and conditions.

2.22 "Airtel Money Subscriber Credit Data" means data relating to your credit activity within the Airtel Money System.

2.23 "Airtel Money Subscriber Data" means an Airtel Money Subscriber's name and any of such subscriber's national identity card number, military card number, diplomatic identity card number, alien card number, passport number or driving licence number, as reflected in Airtel's records from time to time.

2.24 "Airtel Money System" means the technical platform for the time being providing the Airtel Money service.

2.25 "MSISDN" Mobile Subscriber Integrated Services Digital Network Number (Mobile Number).

2.26 "Network" means the mobile cellular network operated by Airtel.

2.27 "Opt-in Function" means the proprietary menu option developed by Airtel Money and available on USSD, Airtel Money enabled SIM Cards that enables Airtel Money Subscribers to apply to Airtel to register for the Service.

2.28 "Amount Due" refers to any Facility amount, Fees, Charges that remains unpaid after the Facility Period.

2.29 "Jiboost Limit" means the maximum Facility amount you are allowed on the Service as defined, established and communicated to you by us from time to time based in your credit score.

2.30 "Party" refers to You, I&M Bank, or Airtel Money singularly.

2.31 "Parties" means You, I&M Bank or Airtel Money jointly.

2.32 "PIN" means your personal identification number being the secret code used to access and operate your Equipment on the Airtel Money System including but not restricted to access and use of the Service.

2.33 "Recovery Expenses" include any costs incurred by us to recover Overdue Amounts.

2.34 "Repayment" means repayment of any amount due under the Service as defined in these Terms and Conditions including but not restricted to repayment of the Facility, Fees and Interest.

2.34 "Facility Term" means the period agreed for full Repayment of the Facility, being the earlier of full repayment of the Facility or (7/14/29) calendar days from the date when the outstanding Facility was first granted. The Facility Term shall not be affected by any subsequent or further Request made within the Overdraft Limit until the Facility is paid back in full.

2.35 "Request" means a request or instruction received by us from you or purportedly from you through the Network and the System and upon which we are authorized to act.

2.36 "Airtel Money" means a company incorporated in the United Republic of Tanzania whose principal place of business is at Airtel House corner of Ali Hassan Mwinyi Road & Kawawa Road, P.O. Box 9623, Dar Es Salaam, Tanzania

2.37 "Service" or "Jiboost Loan" means the Airtel Money service which allows Airtel Money Subscribers to take a loan from their Airtel Money Accounts in order to complete transactions in Accordance with this Agreement.

2.38 "SIM Card" means the subscriber identity module which when used together with other prescribed Equipment enables an Airtel Money Subscriber to use the Airtel Money Service.

2.39 "USSD" means the USSD service provided by Airtel.

2.40 "Cash merchant outlet" the means a person appointed to offer Airtel Money registration, cash in and cash out services

2.41 "We," "our," and "us," means both Airtel Money and I&M Bank and includes our successors and assigns.

2.42 "You" or "your" means the Customer and includes the Customer's personal representatives and assigns.

3. Acceptance of the Terms and Conditions

3.1 Before opting-in or registering for the Service, you should carefully read and understand these terms and conditions as they govern the access, use and operation of the Service. These Terms and Conditions are available on www.airtel.co.tz and https://www.imbank.com/tz/. Where you are unable to read and understand these terms and conditions from an electronic device you are requested to collect a printed version from any Airtel Shop.

3.2 If you do not agree with these terms and conditions, please click "Decline" on the Opt-in Function.

3.3 You will be deemed to have read, understood, and accepted these terms and conditions:

3.3.1. upon clicking on the "Accept" option on the Opt-in Function requesting you to confirm that you have read, understood, and agreed to abide by these terms and conditions; and or

3.3.2. by using or continuing to use and requesting for the Service.

3.4 By registering for the Service, you agree to comply with and be bound by these terms and conditions as amended and revised from time to time and you affirm that these terms and conditions are without prejudice to any other rights that we may have in law or otherwise regarding your registration, access, and use of the Service.

3.5 We may from time to time vary or amend these terms and conditions and your continued access and use of the Service constitutes your acceptance to be bound by the terms of any such amendment or variation.

4. Registering for the Service

4.1 By opting into the Service, you confirm that you are least eighteen (18) years old and a registered and active Airtel Money Subscriber for at least six (6) months immediately preceding the date of your application to register for the Service. We confirm that you are now a I&M Bank customer. We reserve the right to verify the authenticity and status of your Airtel Money Account and transactions and may decline your application if we are not satisfied that you have met these minimum requirements.

4.2 You may register for the Service on more than one MSISDN provided that these terms and conditions will apply to each Airtel Money Account that may be registered in your name.

4.3 You hereby agree and authorize us to exchange between Airtel Money and I&M Bank any of your personal information held by us in respect of provision of any Airtel Money or I&M Bank products and services including the Airtel Money Service. Such personal information includes but is not restricted to your phone number, name, date of birth, ID or Passport Number and such other information that will enable us to identify you and comply with the regulatory "know your customer" requirements (together the "Personal Information").

4.4 You also hereby agree and authorize us to use information relating to your use of the Airtel Money service, Airtel Money System, and other Airtel Money products as we shall require for purposes of delivering the Services.

4.5 You hereby agree and authorize us to contact you for various loan services including loan recovery and surveys through different channels including SMS, OBD (Out Bound Dialer), IVR (Interactive Voice Response) and calls through our recovery agents.

4.6 You may opt into the Service solely by way of an electronic application made by you using your Equipment via the USSD or any other channel which may be added in future.

4.7 You hereby agree and authorize us to obtain and procure your Personal Information contained in the NIDA System and you further agree and consent to the disclosure and provision of such Personal Information by the Government of Tanzania to us.

4.8 You hereby further acknowledge and authorize us to verify your Personal Information in our custody against the information received from the Government of Tanzania in your respect as contained in the NIDA.

4.9 We reserve the right to request further information from you pertaining to your application to register for the Service at any time. Failure to provide such information within the time we require may result in a decline of your application to register for the Service.

4.10 Our acceptance or decline of your application to register for the Service shall be communicated through an SMS sent to your Airtel registered mobile phone number (MSISDN) associated with your Airtel Money account and or Equipment. You acknowledge and accept that our acceptance of your application to register for the Service creates a separate and distinct contractual relationship between you and Airtel Money outside the terms and conditions that apply to your Airtel Money Account from time to time.

4.11 We reserve the right to decline your application to register for the Service or, subject to 15 days' notice or such other notice as may be required by law, to revoke your registration on the Service. Where we decline your application to register or revoke your registration, we shall endeavor to formally communicate to you our reasons for the same.

5. Your Requests

5.1 You hereby irrevocably authorize us to act on all Requests received by us using your Airtel Money PIN and to hold you liable in respect thereof. We may nevertheless refuse to conduct any requests beyond the scope of the Service as offered from time to time.

5.2 We shall be deemed to have acted properly and to have fully performed all our obligations upon our compliance with the Request. We may ask for further information or confirmation (whether written or otherwise) from you before complying with a Request but shall not be obliged to comply with a Request in the absence of such further information or confirmation.

5.3 We shall decline any Request for a Facility under the Service if you exhaust your Jiboost Limit or Airtel Money transactional limit (as communicated by Airtel Money) and reserve the right to partly decline your Request if fully complying with the same would cause you to exceed the Jiboost Limit or Airtel Money transactional limit. In deciding whether to offer you the Service, we shall take account of any outstanding Facilities plus Fees and interest on your Airtel Money Account in accordance with these terms and conditions or the terms and Conditions relating to the Airtel Money Service. We shall not be obliged to take account of regular credits, or any amounts received after declining such Request.

5.4 You hereby authorize us to affect such orders and act on such instructions in respect of your Airtel Money Account as may be required by the Government or any court order or by a competent authority or agency under the applicable laws.

6. Requesting a Facility

6.1 Upon opting into the Service, you will receive a confirmation message bearing your Jiboost Limit.

6.2 If you are not allocated Jiboost Limit, you must continue to transact on Airtel Money and use your Airtel SIM services such as voice and data to build a transaction history and enhance your credit score in order to be eligible for Jiboost Limit.

6.3 By accepting these Terms and Conditions, you agree and admit that we reserve the exclusive right to set the Jiboost Limit.

6.4 You may check your Jiboost Limit using the appropriate menu option provided on your Equipment through Airtel Money USSD or any other channel which may be added in future.

6.5 You acknowledge that any Facility granted to you will result in an overdraft on your Airtel Money Account up to the equivalent of the value of the Facility, Fees, and Interest applicable to the Facility. The Interest will be added onto the Facility and deducted from your Airtel Money Account when you repay your facility through the Airtel Money USSD. The Fees will include any applicable taxes, levies, and excise duties applicable under the law.

6.6 Your Request for a Facility will be appraised according to our Facility appraisal procedures. We reserve the right at our sole discretion and, without assigning any reason, to approve or decline such Request. Communication of our acceptance or decline of your Request will be via SMS sent to your Airtel mobile phone number (MSISDN) and or Equipment.

6.7 Any Facility granted must be repaid in full within Thirty (30) days from the date when the Facility was first granted (the first draw down date). You will not qualify for any new or additional Facility where any facility remains outstanding beyond the Thirty (30) days or are in default of any of the Terms and Conditions of the Facility including these terms and Conditions.

6.8 You may Request for the Facility multiple times within the Facility Term subject to the Jiboost Limit.

7. Jiboost Limit

7.1 We may from time to time prescribe the minimum and maximum Facility you may be able to Request on the Service. Such limits will be communicated through SMS, our website, www.Airtel.co.tz or may obtained from any Airtel Shop.

7.2 The Jiboost Limit is subject to review from time to time and we reserve the right to vary your Jiboost Limit without giving any reasons. We shall notify you of any variation to the Jiboost Limit and your continued use of the Service will constitute acceptance of your revised Jiboost Limit.

7.3 Where you have any outstanding Facility for more than Thirty (30) days, your right to use the Service and any un-utilized Jiboost limit will be suspended forthwith.

8. Credit Scoring

Your Jiboost Limit and our continued approval of your Requests for a Facility will be determined by your credit score. Your credit score will be assessed based on various matters including the information obtained from your use of Airtel Services and the Airtel Money Service and repayment history on your existing Jiboost Limit.

Your Jiboost Limit and our continued approval of your Requests for a Facility will be determined by your credit score. Your credit score will be assessed based on various parameters including the information obtained from your use of Airtel phone Services, Airtel Money Service, the Jiboost loan repayment history and that of other lenders through the Credit Reference bureaus.

9. Repaying the Facility

9.1 Provided that no event of default (as outlined in this Agreement) has occurred it is agreed that the Facility shall be available on an ongoing/continuous basis for a period of Thirty (7/14/30) days from the first date of utilization of the Facility (The Facility Term).

9.2 After the expiry of the Facility Term, we reserve the sole discretion to renew or extend the Facility Term. Subject to our periodic review of your limit as set out in Clause 7, you acknowledge that the renewal or extension will be under the existing terms and conditions. You will be notified of each instance of renewal or extension of the Facility Term.

9.3 You must repay your outstanding Facility, Fees, and Interest by accessing the repayment menu on Airtel Money USSD. You are responsible to ensure your outstanding Facility, Fees and Interest are repaid on or before the Thirty (30) day from your first facility drawdown.

9.4 We may terminate our relationship with you and suspend your access to the Service if you fail to repay the Facility in full together with any outstanding Fees within the Facility Term.

9.5 You may make multiple repayments during your (7/14/30) day facility term until your Facility, Fees and Interest are repaid in full.

9.6 Any funds repaid from you Airtel Money Account shall be applied towards Repayment of the amount due in the following order of priority:

9.5.1. First in repayment of all Fees and Interest.

9.5.2. Secondly towards repayment of the Facility.

9.7 You irrevocably instruct us to automatically recover the outstanding facility amount inclusive of fees where applicable from your Airtel Money Account after due date. In order to affect this, we shall automatically debit the amount due from the credits deposited or received into your Airtel Money Account at any time until the Facility is fully repaid.

10. Events of Default

An event of default occurs:

10.1 Where any Facility is due and unpaid for the facility term (7/14/30 days) or more, or

10.2 If any representations or statements or particulars made by you are found to be incorrect; or

10.3 If you commit any breach or fail to observe, keep, or perform any of the terms, conditions covenants or provisions of any other agreement between us and yourself in respect of the Facility; or

10.4 If there is reasonable apprehension that you are unable to pay your debts, or we receive any notice that you have admitted any inability to pay your debts as they become due; or

10.5 If you are convicted under any criminal law in force related to use of the services or any other related services; or

10.6 If any judgement or decree in any legal proceedings is passed against you which is not satisfied within seven (7) days of demand, or

10.7 If a Garnishee or Attachment Order or a lien created against any of your deposits with us or assets maintained by you is made.

10.8 If you commit any breach or fail to observe, keep or perform any of the terms, conditions covenants or provisions of any other agreement between us and yourself in respect of the Facility; or

11. Consequences of Default

11.1 At any time after an Event of Default has occurred which is continuing, we may, without prejudice to any other right or remedy granted to us under any law:

11.1.1. terminate the Services in accordance with clause 23 below;

11.1.2. declare that the Facility (inclusive all fees and charges) and all other amounts outstanding under these Terms and Conditions is immediately due and payable, whereupon you shall be required to settle the Facility with immediate effect; and

11.1.3. submit information concerning the Event of Default to Credit Reference Bureaus as required under the Banking Act or any other regulatory body.

11.1.4. take reasonable measures including engaging an independent debt-collection agency, to recover the amount in default.

12. Using the Facility

12.1 You may only utilize your Facility to complete the following transactions on Airtel Money via USSD and any other channel which may be added in future (hereinafter "Permitted Transactions") to the extent that funds available on your Airtel Money Account would otherwise be inadequate to complete payment for the Permitted Transaction:

12.1.1. to send money to registered Airtel Money customers;

12.1.2. To make payments via Merchant Transactions "Lipia Bili" transactions. We may from time to time add or withdraw the Permitted Transactions;

12.1.3. To purchase Airtime on your Airtel SIM;

12.1.4. To purchase Bundles on your Airtel SIM

12.1.5. To send money to a registered user on another telco network "Tuma kwa mtandao mwingine".

12.2 Your Facility will be applied strictly for completion of Permitted Transactions.

12.3 You accept that completion of the Permitted Transactions and all matters arising from or related to completion of the Permitted Transactions shall be strictly governed by the terms and conditions for the Airtel Money Service.

12.4 We reserve the right to vary the Interest/Fees payable thereon from time to time having regard to the prevailing rules and regulations and our policies provided that increase of fees and charges will be affected thirty (30) days after issuance of a notice of the intended increment.

13. Security Rights

You agree not to terminate or cancel registration of your Airtel mobile phone number (MSISDN) when you have any Outstanding Amounts

14. Loss of Equipment and Unauthorized Transactions

14.1 If you lose your Equipment or you for any reason you believe that an unauthorized person may have accessed your PIN, you shall immediately notify the Airtel Customer Care Centre at 100 for assistance.

14.2 Until and unless we receive your notice of loss or unauthorized access of the PIN as above, we shall remain authorized to accept any Requests on your Airtel Money Account using your PIN.

14.3 You shall give us and any person acting on our behalf all necessary assistance in any investigations, all information as to the circumstances of the loss or possible misuse of your Equipment or PIN to enable us to take all reasonable steps mitigate the loss incurred or likely to be incurred as a result of loss of the Equipment or misuse or unauthorized access to your PIN.

14.4 You consent to the disclosure by us to third parties of such information as is relevant concerning your Airtel Money Account in connection with such loss of your Equipment or possible misuse or unauthorized access of your PIN.

15. Customer Complaints

15.1 Complaints shall be made by calling 100 or by visiting any Airtel Shop.

15.2 We will take all reasonable measures within our means to resolve your complaints in accordance with the Airtel Money Terms and Conditions. We will manage all complaints in accordance with our complaints handling procedures, which are available on request from any Airtel Shop or the Airtel Customer Care Centre at 100. Where a notification regarding your complaint or any other matter is expected from us but not received, you are entitled to follow up on the complaint within a reasonable time after non-receipt of such notification.

16. Fees, Charges and Expenses

16.1 You are responsible for the payment of all applicable Fees and Interest Rates for the use of the Service. The Fees payable under this Service will be published in information pamphlets, daily newspapers, cash merchant outlets and on the I&M Bank and Airtel websites. Airtel's Customer Care team will be on hand to assist you with the Fee and Interest schedule if you are uncertain about the applicable Fee and Interest Rates.

16.2 All Fees and Interest charges are deducted at source and are subject to change at any time at our sole discretion.

16.3 Fees payable under the facility will be deducted from your Airtel Money Account when you make a manual repayment through the Airtel USSD system or any other channel which may be added in future.

16.4 You hereby agree to pay all Transaction Fees and Interest for repayment on your outstanding Facility, Fees, and Interest charges.

16.5 We shall, at the time when you make any Request on the Service notify you of the applicable Fees and Interest Rates to afford you an opportunity to confirm your knowledge and acceptance of them.

16.6 We shall provide a detailed breakdown of the Fees and Interest incurred in the full statement and Mini statement.

16.7 Fees relating to your use of the Airtel Money Service shall be strictly in accordance with the prevailing terms and conditions for Airtel Money Service.

17. Taxes

All repayments are inclusive any taxes payable by you. You hereby irrevocably grant us permission to revise the Fees upon any changes to taxes applicable.

18. Your Personal Information

18.1 You hereby expressly consent and authorize us to disclose, receive, record, or utilize your personal information or information or data relating to your Airtel Money Account with respect to the Facilities granted under the Service and any details of your use of the Services:

19.1.1. to and from our service providers, dealers, agents, or any other company that may be or become our affiliate or subsidiary or holding company for reasonable commercial purposes relating to the Services;

19.1.2. to a Credit Reference Bureau;

19.1.3. to independent debt-collection agencies;

19.1.4. to our lawyers, auditors, or other professional advisors or to any court or arbitration tribunal in connection with any legal or audit proceedings;

19.1.5. for reasonable commercial purposes connected to your use of the Services, such as marketing and research related activities; and

19.1.6. in business practices including but not limited to quality control, training and ensuring effective systems operation.

18.2 You authorize us to disclose any information relating to your Airtel Money Account to any local, foreign, or international law enforcement or governmental agencies so as to assist in the prevention, detection, investigation or prosecution of criminal activities or fraud or to any other institution or third party as required by the laws of any country and as we may deem necessary.

18.3 You authorize us to disclose, respond, advise, exchange, and communicate the details or information pertaining to your Airtel Money Account and or your Facility to third parties involved in the administration of your Airtel Money Account and Facilities, underwriting of insurance policies, updating of databases, or provision of user support.

18.4 You shall notify your nearest Airtel Shop in writing of any changes to your Personal information or update the same through the Equipment on USSD including but not restricted to your name and address. Until such notice is received, your Personal information shall be deemed to be that which you provided in your application to register for the Service.

19. Your Equipment and Responsibilities

19.1 You shall at your own expense provide and maintain in safe and efficient operating order such Equipment necessary for the purpose of accessing the Services. You shall be responsible for ensuring the proper performance of your Equipment. We shall neither be responsible for any errors or failures caused by any malfunction of your Equipment, and nor shall we be responsible for any computer virus or related problems that may be associated with your access and use of the Services and Equipment. You shall be responsible for charges due to any service provider providing you with connection to the Network and we shall not be responsible for losses or delays caused by any such service provider.

19.2 You shall follow all instructions, procedures and these terms and conditions and any other documents we may provide you concerning access and use of the Services and Equipment.

19.3 You agree and acknowledge that you shall be solely responsible for the safekeeping and proper use of your Equipment and for keeping your PIN secret and secure. You shall ensure that your PIN does not become known or come into possession of any unauthorized person. We shall not be liable for any disclosure of your PIN to any third party, and you hereby agree to indemnify and hold us harmless from any loss and damage we may incur as a result of your intentional, negligent or reckless disclosure of the PIN.

19.4 You shall take all reasonable precautions to detect any unauthorized use of your Equipment, PIN and or the Services and immediately notify Airtel to enable us to take steps to protect your Airtel Money Account.

19.5 You shall immediately inform us through the Customer Care Centre by dialing 100 from you Airtel SIM if:

20.5.1. You have reason to believe that your PIN is or may be known to any person not authorized to know the same and/or has been compromised; or

20.5.2. You have reason to believe that unauthorized use of the Service has or may have occurred or could occur and a transaction may have been fraudulently input or compromised.

19.6 You shall always follow the security procedures we notify you from time to time or such other procedures as may be applicable to the Services from time to time. You acknowledge that any failure on your part to follow the recommended security procedures may result in a breach of your responsibility to keep Personal Information confidential. In particular, you shall ensure that the Services are not used, or Requests are not issued, or the relevant functions are not performed by anyone other than a person authorized by you.

20. Intellectual Property Rights

You acknowledge that the intellectual property rights in the Service (and any amendments, upgrades, or enhancements thereto from time to time) and all associated documentation that we provide to you are vested either in Airtel or I&M Bank. You shall not infringe any such intellectual property rights.

You shall not duplicate, reproduce or in any way tamper with any documentation or functionality on the Equipment and USSD without I&M Bank and Airtel's prior written consent.

21. Indemnity

21.1 In consideration of the Bank complying with your instructions or Requests in relation the Airtel Money Account, you undertake to indemnify us and hold us harmless against any loss, charge, damage, expense, fee or claim which we may suffer or incur or sustain thereby and you absolve us from all liability for loss or damage which you may sustain from us acting on your instructions or requests or in accordance with these Terms and Conditions.

21.2 The indemnity in clause 22.1 shall also cover All demands, claims, actions, losses and damages of whatever nature which may be brought against any of us or which we may suffer or incur arising from its acting or not acting on any Request or arising from the malfunction or failure or unavailability of any hardware, software, or equipment, the loss or destruction of any data, power failures, corruption of storage media, natural phenomena, riots, acts of vandalism, sabotage, terrorism, any other event beyond the our control, interruption or distortion of communication links or arising from reliance on any person or any incorrect, illegible, incomplete or inaccurate information or data contained in any Request received by us.

21.3 The Indemnity in Clause 22.1 shall also cover any loss or damage that may arise from your use, misuse, abuse or possession of any third party software, including without limitation, any operating system, browser software or any other software packages or programs, any unauthorized access to your Airtel Money Account or any breach of security or any destruction or accessing of your data or any destruction or theft of or damage to any of your Equipment, any loss or damage occasioned by the failure by you to adhere to these Terms and Conditions and/or by supplying of incorrect information or loss or damage occasioned by the failure or unavailability of third party facilities or systems or the inability of a third party to process a transaction or any loss which may be incurred by us as a consequence of any breach by these Terms and Conditions by you.

22. Variation and Termination of Relationship

22.1 We may at any time, upon notice to you, terminate or vary our business relationship with you and suspend or discontinue your registration and or access to the Service:

23.1.1. if you use the Service or Facility for unauthorized purposes or where we detect any abuse/misuse, breach of content, fraud or attempted fraud relating to your use of the Services;

23.1.2. if your Airtel Money Account or agreement with Airtel is terminated for whatever reason;

23.1.3. if we are required or requested to comply with an order or instruction of or a recommendation from the government, court, regulator, or other competent authority to that effect or necessitating it;

23.1.4. if we reasonably suspect or believe that you are in breach of these terms and conditions (including nonpayment of any amount due from you where applicable);

23.1.5. where such a suspension or variation is necessary because of technical problems or for reasons of your safety or public access fees;

23.1.6. to facilitate update or upgrade the contents or functionality of the Services from time to time;

23.1.7. where your Airtel Money Account becomes inactive or dormant or is deemed abandoned.

23.1.8. if we decide to suspend or cease provision of the Services for commercial reasons or for any other reason as we may determine.

22.2 You may cancel registration for the Service at any time through your Equipment or at your nearest Airtel Shop. You may however not cancel registration if you have an outstanding and unpaid Facility, Overdue Amount or unpaid Fees and Interest.

22.3 Termination shall not affect any accrued rights and liabilities of either party and shall not affect your obligations to meet any liabilities incurred prior to such termination.

23. Breach of Terms and Conditions

In the event of any breach of these terms and conditions, we may in circumstances where you fail to comply or fail procure compliance with the terms of a notice consequently served on you, require immediate repayment in full of the Facility and/or forthwith terminate the contractual relationship with you without any consequential liability to you or any other person.

24. Dispute Resolution, Jurisdiction, and Arbitration

24.1 You may contact the Airtel Customer Care Center to report any disputes, claims or discrepancies in your Airtel Money Account.

24.2 This Agreement shall be governed by and construed in accordance with the laws of the Republic of Tanzania.

25. Death or Bankruptcy

On your death or bankruptcy, your obligations shall remain in full force and effect until such a time as they shall be duly satisfied.

26. Notices

Without prejudice to any other clause in these terms and conditions, all notices concerning the Service may be sent via SMS to the Airtel mobile phone number (MSISDN) associated with your Airtel Money Account and shall be deemed received even if we do not receive a delivery failure notice.

27. Miscellaneous

27.1 These terms and conditions (as may be amended from time to time) form a legally binding agreement binding on you and your personal representatives and successors.

27.2 This Agreement and any rights or liabilities accruing thereunder may not be assigned by you to any other person.

27.3 We may vary or amend these terms and conditions and bank tariffs at any time and without consultation to you provided that the Bank shall upon reasonable notice, inform you of any such variations or amendments in advance of their intended commencement date and such notice and particulars of the variations including the amended version of these terms and conditions shall be published on the I&M Bank and Airtel websites and may, additionally, be published in posters or pamphlets and availed at Airtel Shops, I&M Bank branches or in the daily newspapers or by any other means as we may determine.

27.4 No failure or delay by either yourself or on our part in exercising any right or remedy hereunder shall operate as a waiver thereof, nor shall any single or partial exercise of any right or remedy prevent any further or other exercise thereof or the exercise of any other right or remedy.

27.5 The rights and remedies herein provided are cumulative and not exclusive of any rights or remedies provided by law.

27.6 If any provision of these terms and conditions shall be found by any duly appointed arbitrator, court, or administrative body of competent jurisdiction to be invalid or unenforceable the invalidity or unenforceability of such provision shall not affect the other provisions herein.

27.7 Any variations or amendments to these terms and conditions shall be binding upon you as fully as if the same were contained in these terms and conditions.

27.8 Your contractual relationship with us is governed in all respects by the Laws of Tanzania and the parties submit to the exclusive jurisdiction of the Tanzania courts.