1. Huduma hii ni nini1. What this service is#

MojaWallet ni pochi ya kidijitali inayoshikilia thamani kwa niaba yako kwa sarafu ya USDT, na inayokuruhusu kubadilisha kati ya USDT na shilingi ya Tanzania, kutuma thamani kwa watumiaji wengine wa MojaWallet, kulipa bili na madeni yaliyotambulika, na kutoa thamani kwenda kwenye akaunti yako ya pesa za simu au kwenda anwani ya USDT.

MojaWallet is a digital wallet that holds value on your behalf in the USDT stablecoin, and that lets you convert between USDT and Tanzanian shillings, send value to other MojaWallet users, pay bills and recognised charges, and move value out to your mobile money account or to a USDT address.

Huduma hii ni ya kushikilia kwa niaba yako (custodial). Funguo za kidijitali zinazodhibiti thamani hiyo zinashikiliwa nasi, si nawe. Salio lako ni deni tulilonalo kwako kwenye leja yetu, linalothibitishwa na thamani tunayoshikilia.

The service is custodial. The cryptographic keys controlling that value are held by us, not by you. Your balance is a claim you hold against us on our ledger, backed by the value we hold.

2. MojaWallet si nini2. What MojaWallet is not#

• Si benki, na haina leseni ya benki.It is not a bank and holds no banking licence.
• Haina leseni ya taasisi ya fedha wala ya mtoa huduma za malipo nchini Tanzania.It holds no financial institution or payment service provider licence in Tanzania.
• Salio lako halina bima ya amana wala mfuko wa fidia wa aina yoyote.Your balance carries no deposit insurance and no compensation scheme of any kind.
• Salio lako halizai riba na huduma hii si uwekezaji.Your balance earns no interest and this service is not an investment.
• Hatutoi ushauri wa kifedha, wa kodi wala wa uwekezaji.We give no financial, tax or investment advice.

3. Kufungua akaunti3. Opening an account#

Unahitaji namba ya simu ya Tanzania iliyosajiliwa kwa jina lako, na lazima uwe na umri wa miaka 18 au zaidi. Akaunti moja ni ya mtu mmoja. Unawajibika kwa kila kitendo kinachofanyika kwenye akaunti yako.

You need a Tanzanian phone number registered in your own name, and you must be 18 or older. One account belongs to one person. You are responsible for everything done on your account.

Unaweza kutumia huduma kwa kiwango kidogo bila kutoa kitambulisho. Kupandisha kikomo chako cha kutuma kunahitaji utambulisho, kama ilivyoelezwa kwenye ukurasa wa mipaka na kwenye sera ya AML na KYC.

You can use the service at a low level without providing identification. Raising your sending ceiling requires identification, as set out on the limits page and in the AML and KYC policy.

4. PIN yako4. Your PIN#

PIN yako inaidhinisha kila kitendo cha pesa kwenye kila njia. Ni yako peke yako. Hatutakuomba PIN yako kamwe, kwa njia yoyote, na mfanyakazi yeyote anayeiomba si wetu.

Your PIN authorises every money action on every channel. It is yours alone. We will never ask you for it, by any route, and anybody claiming to be staff and asking for it is not us.

Ukiifichua PIN yako kwa mtu mwingine, au ukimruhusu mtu mwingine kutumia akaunti yako, miamala inayotokana na hapo ni yako. Ukishuku kuwa PIN yako imejulikana, ibadilishe mara moja na uzime vipindi vyote, kisha tuambie.

If you disclose your PIN, or let somebody else use your account, the transactions that follow are yours. If you suspect your PIN is known, change it at once and kill every session, then tell us.

5. Miamala5. Transactions#

Kabla ya kila kitendo cha pesa unaonyeshwa nukuu: kiasi kitakachotoka, ada kama ipo, na kiasi kitakachowasili. Nukuu hiyo inashikiliwa kwa muda mfupi ulioandikwa juu yake. Ukikubali na kuweka PIN, bei uliyoonyeshwa ndiyo bei utakayotozwa.

Before every money action you are shown a quote: what will leave, the fee if there is one, and what will arrive. That quote is honoured for the short period stated on it. If you accept it and enter your PIN, the price you were shown is the price you are charged.

Kutuma kwa pochi nyingine ya MojaWallet kunakamilika papo hapo na hakurudishwi. Hatuna njia ya kiotomatiki ya kurudisha thamani iliyofika kwenye pochi ya mtu mwingine. Angalia namba kabla ya kuweka PIN.

A transfer to another MojaWallet wallet completes immediately and is final. We have no automatic way to recover value that has reached somebody else's wallet. Check the number before you enter your PIN.

Kitendo kinachomhusisha mtu wa nje (mtoa huduma wa pesa za simu, mtoa bili, au mnyororo wa kidijitali) kinaishia kwenye moja ya mambo mawili: kimekamilika, au kimerudishwa kikamilifu kwenye salio lako. Hakuna hali ya tatu.

An action involving an outside party (a mobile money provider, a biller, or the chain) ends in exactly one of two ways: it completes, or it is fully returned to your balance. There is no third state.

Tunaweza kukataa au kuchelewesha kitendo kinachovunja mipaka yako, kinachoshukiwa kuwa cha udanganyifu, au ambacho sheria inatuzuia kukitekeleza.

We may refuse or delay an action that breaches your limits, that we suspect is fraudulent, or that we are prohibited from carrying out.

6. Bei ya kubadilisha6. The conversion price#

Tunapobadilisha kati ya shilingi na USDT tunatumia bei iliyo mbali kidogo na bei ya soko, na tofauti hiyo ni mapato yetu. Kiwango chake kimechapishwa kwenye ukurasa wa bei na kinaweza kubadilishwa. Mabadiliko yanaanza kutumika kwa nukuu zinazofuata, kamwe si kwa nukuu uliyoshakubali.

When converting between shillings and USDT we use a price a little away from the market price, and that difference is our income. Its level is published on the pricing page and can change. A change applies to later quotes, never to one you have already accepted.

Thamani ya USDT kwa shilingi hubadilika. Hasara au faida inayotokana na mabadiliko hayo ni yako.

The value of USDT in shillings moves. Any loss or gain arising from that movement is yours.

7. Ada7. Fees#

Ada zote zilizopo zimechapishwa kwenye ukurasa wa bei na zinaonekana kwenye nukuu yako kabla ya kuweka PIN. Hatutotoza ada isiyokuwa kwenye nukuu uliyoonyeshwa. Ada mpya inachapishwa kabla ya kuanza kutumika, na haigusi miamala iliyopita.

Every fee that exists is published on the pricing page and appears in your quote before you enter your PIN. We will not charge a fee that was not in the quote you were shown. A new fee is published before it starts applying, and never reaches back to past transactions.

8. Kusimamisha au kufunga akaunti8. Suspending or closing an account#

Tunaweza kusimamisha akaunti tunapokuwa na sababu ya kuamini kuna udanganyifu, utakatishaji fedha, au matumizi yanayovunja masharti haya, au tunapotakiwa kufanya hivyo. Tutakuambia iwezekanavyo, isipokuwa pale kukuambia kutakuwa kunavunja sheria.

We may suspend an account where we have reason to believe there is fraud, money laundering, or use that breaches these terms, or where we are required to. We will tell you where we can, unless telling you would itself break the law.

Unaweza kufunga akaunti yako wakati wowote baada ya kutoa salio lako. Tukisitisha huduma nzima, tutatoa taarifa ya kabla na kipindi cha kutosha cha kutoa salio lako.

You may close your account at any time once you have withdrawn your balance. If we wind the service down entirely, we will give notice in advance and a reasonable window in which to withdraw your balance.

9. Kigandisho cha utoaji9. The withdrawal freeze#

Ukaguzi wetu wa leja unaoendelea ukikuta leja inajikanusha, au uwiano wa fedha za huduma ukishuka chini ya kiwango kilichowekwa, utoaji wote unasimamishwa kwa wateja wote mpaka mtu achunguze na aondoe kigandisho hicho. Salio lako linabaki na linaonekana. Hii ni hatua ya kukulinda, si adhabu, na tutaeleza kilichotokea.

If our continuous ledger check finds the ledger disagreeing with itself, or if the service's coverage ratio falls below a set floor, all withdrawals stop for all customers until a human investigates and lifts the freeze. Your balance remains and stays visible. This is a protection, not a penalty, and we will explain what happened.

10. Malalamiko10. Complaints#

Utaratibu kamili na muda wake uko kwenye ukurasa wa msaada. Kwa sasa hakuna chombo cha nje cha kushughulikia migogoro kinachotusimamia, kwa sababu huduma hii haina leseni ya kifedha. Hilo halikuzuii kutumia mahakama za Tanzania.

The full procedure and its timeline are on the support page. There is currently no external dispute body supervising us, because this service holds no financial licence. That does not stop you using the Tanzanian courts.

11. Wajibu wetu11. Our responsibility#

Tunawajibika kwa salio lako kama lilivyoandikwa kwenye leja yetu. Hatuwajibiki kwa kuchelewa au kushindwa kwa mitandao ya simu, watoa huduma wa pesa za simu, watoa bili au mnyororo wa kidijitali, ambao hatuwadhibiti. Hatuwajibiki kwa hasara inayotokana na mabadiliko ya thamani ya USDT dhidi ya shilingi.

We are responsible for your balance as recorded on our ledger. We are not responsible for delays or failures of mobile networks, mobile money providers, billers or the chain, which we do not control. We are not responsible for loss arising from movements in the value of USDT against the shilling.

Hakuna kifungu hapa kinachoondoa wajibu ambao sheria ya Tanzania haituruhusu kuuondoa.

Nothing here removes a liability that Tanzanian law does not permit us to remove.

12. Mabadiliko ya masharti haya12. Changes to these terms#

Tukibadilisha masharti haya kwa namna inayokuathiri kwa kiasi kikubwa, tutakuambia kabla hayajaanza kutumika, na utakuwa huru kutoa salio lako na kufunga akaunti kama hukubaliani nayo.

If we change these terms in a way that materially affects you, we will tell you before the change takes effect, and you are free to withdraw your balance and close your account if you do not accept it.

13. Sheria inayotumika13. Governing law#

Masharti haya yanaongozwa na sheria za Jamhuri ya Muungano wa Tanzania.

These terms are governed by the laws of the United Republic of Tanzania.