1. Introduction and Application
These Terms & Conditions ("Terms") govern access to and use of the applications, website and other digital platforms operated by Chapaa Technologies Limited ("Chapaa", "we", "us" or "our"), together with the services made available through them.
Our services may include fundraising, group contributions, payment facilitation, transaction management, digital wallets and related digital financial services. These Terms apply to each service when it becomes available; reference to a feature does not mean that it is currently operational.
These Terms apply to account holders, campaign organizers, contributors, beneficiaries, group administrators, authorized approvers and other users ("you" or "your"), according to their respective roles.
Relevant terms will be presented when you register, establish a campaign, activate a service or authorize a transaction. Your express acceptance will be obtained where required.
Particular services may be subject to additional terms disclosed before activation or use. Where those terms conflict with these Terms, the additional terms will prevail for the specific matter they address, subject to applicable law.
Services provided by financial institutions, payment providers or other independent partners may also be governed by their own terms. The relevant provider and its responsibilities will be identified for the service concerned. These Terms do not, by themselves, establish Chapaa as a bank, deposit-taking institution or issuer of electronic money.
Chapaa's handling of personal data is explained in its Privacy Policy and applicable supplementary notices. Acceptance of these Terms does not, by itself, constitute consent to processing that requires separate consent.
2. Eligibility, Registration and Verification
You must be at least eighteen (18) years old and legally capable of entering into the relevant arrangement to register an account or authorize transactions. Any service expressly permitting younger users will be subject to separate eligibility and lawful authorization requirements.
If acting for an organization, group or another person, you must have authority to perform the relevant actions. Chapaa may require evidence of that authority, including authority to establish campaigns, appoint approvers or issue withdrawal instructions.
You must provide accurate, complete and current registration information, use your true identity and promptly update material changes. You must not create an account through impersonation or false documentation.
Chapaa or the relevant service provider may require identity, contact, organizational, beneficiary or transaction verification before activating a service or processing an instruction. Requirements will be proportionate to the service, applicable law and relevant risk.
Additional verification may be required when account details change, transaction activity raises reasonable concerns or a legal requirement applies. If necessary information is not provided or cannot be verified, the affected service may be restricted until the issue is resolved.
Successful registration does not automatically grant access to every feature. Wallet activation, transaction limits and other services may depend on further eligibility checks and acceptance of applicable provider terms.
Chapaa will explain any material restriction or unsuccessful verification where lawful and practicable and provide an appropriate channel for clarification or review. Information collected for verification will be handled in accordance with the Privacy Policy.
3. Account Security and Authorized Access
You must protect your account credentials and devices, use available security features and keep recovery and contact information current. Passwords, PINs, one-time passwords and payment authentication codes must not be disclosed to other users or persons claiming to provide support.
Where an account or campaign permits multiple users, access must be granted through the designated role and permission facilities. Shared credentials must not be used as a substitute for appointing administrators or approvers.
Each authorized user must act within the permissions granted to them. The account or campaign administrator must review those permissions and promptly revoke access when a person's authority ends.
Transaction approval arrangements will operate according to the settings confirmed for the relevant account or campaign. Changes to approvers, withdrawal destinations or other sensitive settings may require additional authentication and verification.
You must promptly report suspected unauthorized access, lost devices or compromised credentials through the available support channel or [email protected]. Chapaa may temporarily restrict affected access or transactions while investigating and securing the account.
You are responsible for instructions and activity you authorize. Responsibility for unauthorized activity will be assessed according to the circumstances, including the effectiveness of applicable security controls and each party's conduct, subject to applicable law.
Chapaa will not request that you disclose your password, PIN or one-time password through email, telephone calls or messages. Authentication information should be entered only through the designated secure interface.
4. Campaigns and Group Collections
Eligible users may establish campaigns or group collections for lawful purposes supported by Chapaa. The available features, duration, contribution arrangements and applicable charges will be disclosed during setup.
An organizer must accurately identify the campaign's purpose, intended beneficiary and their authority to raise and administer contributions. Supporting information may be required before publication or activation.
Campaign information must be accurate, sufficiently clear and kept up to date. Organizers must promptly disclose material changes affecting the intended use of contributions or the beneficiary.
Contributions must be applied to the purpose represented to contributors. An organizer raising funds for another person or institution must account for those funds and transfer or apply them for that beneficiary in accordance with the disclosed arrangements.
A material change to the campaign purpose or beneficiary must not be made solely by editing the campaign description. The organizer must notify Chapaa so that appropriate contributor notification, consent or refund arrangements can be assessed before the affected funds are used.
Group administrators and approvers must act within their assigned authority and maintain appropriate records of approvals and disbursements. Appointment to a platform role does not, by itself, determine legal ownership of the contributions.
Chapaa may review campaign information, request clarification and restrict a campaign where reasonably necessary to address suspected fraud, unlawful activity or material misrepresentation. Review or publication does not constitute a guarantee of the organizer's conduct or the campaign's success.
Campaign expiry, extension and closure arrangements will be disclosed for the relevant service. Expiry does not cause contributions to become Chapaa's property; outstanding funds must be addressed through the applicable disbursement, refund or lawful restriction procedures.
5. Contributions and Contributor Responsibilities
Before contributing, you should review the campaign's purpose, beneficiary, organizer information, applicable charges and any conditions affecting the use or disbursement of funds.
You must be authorized to use the selected payment method and verify the campaign reference, recipient and amount before confirming payment.
A contribution will be recorded as completed when its successful processing has been verified. Pending or failed transactions do not constitute confirmed contributions. If the status is unclear, check the transaction record or contact support before repeating payment.
Unless expressly stated under a lawful, separate arrangement, a contribution does not purchase an ownership interest, investment return, repayment entitlement, product or service. Campaigns offering such arrangements may be established only where expressly supported by Chapaa and subject to applicable requirements.
Chapaa does not guarantee that a campaign will reach its target or that every statement made by an organizer is independently verified. This does not remove Chapaa's responsibility for its own representations, platform services or handling of reported misuse.
If a campaign does not reach its target, the treatment of contributions will follow the collection model disclosed before payment. An all-or-nothing collection condition will apply only where expressly offered and accepted.
Contributor information displayed to organizers, group members or the public will follow the disclosed visibility settings and the Privacy Policy. A public anonymity option does not prevent disclosure necessary for transaction processing, verification or legal compliance.
You should promptly report payment errors, suspected unauthorized contributions or materially misleading campaigns to [email protected], providing the relevant campaign and transaction references.
6. Digital Wallets and Service Provider Arrangements
Where digital wallet services are made available, activation will be subject to the applicable eligibility, verification and service requirements. Before activation, Chapaa will identify the wallet provider, the entity responsible for holding or safeguarding funds, and any additional terms governing the service.
A wallet or campaign balance displayed through Chapaa represents the relevant transaction records under the applicable provider arrangement. It does not, by itself, establish that funds are held by Chapaa or constitute a bank deposit.
Available wallet functions may include funding, receiving payments, transfers, withdrawals and transaction statements. Supported methods, currencies, limits, charges and processing periods will be disclosed for the relevant service.
You may transact only against funds available for use. Pending payments, uncleared amounts and funds subject to a lawful restriction may appear separately and may not be available for transfer or withdrawal.
Funding a wallet does not automatically authorize Chapaa or a provider to make unrelated deductions. Debits must arise from an instruction you authorize, an agreed and disclosed charge, a justified correction or another lawful basis.
Wallet balances will not earn interest or provide investment returns unless this is expressly offered under a lawful arrangement whose provider and conditions are disclosed before acceptance. Any deposit protection or other safeguarding entitlement will be described accurately for the relevant service.
Where a provider holds or safeguards funds, Chapaa will facilitate access and transaction instructions according to its agreed role. Provider involvement does not remove Chapaa's responsibility for its own acts, representations or contractual obligations.
Changes to the provider or material safeguarding arrangements will be communicated before taking effect, with fresh acceptance obtained where required. Any transfer of funds or records must follow applicable law and preserve users' existing entitlements.
7. Transaction Instructions, Transfers and Withdrawals
Transactions must be initiated through the designated interface by a user authorized to act on the relevant account, wallet or campaign. Before confirmation, you must review the amount, recipient, destination details and disclosed charges.
Where multiple approvals are required, an instruction will proceed only after the applicable approval requirements have been satisfied. Approval does not override verification requirements, available balance restrictions or applicable transaction limits.
Withdrawal destinations must be supported by the service and appropriately verified. Changes to a nominated bank account, mobile money number or beneficiary may require additional authentication and supporting information.
Chapaa and the relevant provider may decline or delay an instruction where funds are unavailable, details are incomplete or inconsistent, required approvals are missing, limits are exceeded, or a security or legal restriction applies. The reason and available corrective steps will be communicated where lawful and practicable.
Expected processing periods will be disclosed for the relevant transaction method. Acknowledgement of an instruction confirms receipt; completion will be confirmed separately after successful processing.
An instruction may become irrevocable once processing reaches the stage identified by the relevant service. If you identify an error, contact support promptly. Chapaa will assist with available cancellation or recovery procedures, but recovery cannot be guaranteed after funds have been transferred.
A transaction will not be treated as correctly executed merely because it passed authentication. Errors, unauthorized activity and disputes will be assessed using the relevant records and circumstances, subject to applicable law.
You may access available transaction statements and should promptly report discrepancies to [email protected]. Failure to identify an error immediately does not remove rights that cannot lawfully be limited.
8. Fees, Charges and Taxes
Applicable service fees, transaction charges, commissions, taxes and levies will be disclosed before you activate the relevant service or authorize a transaction. The disclosure will identify who bears the charge and whether it is deducted from the contribution, wallet balance or disbursement, or paid separately.
By confirming the relevant service or transaction, you authorize the charges disclosed for it. Chapaa will not impose undisclosed charges or deduct amounts unrelated to an authorized service, justified correction or lawful requirement.
Third-party providers may apply separate charges. Where these are known to Chapaa, they will be identified before confirmation. Any currency conversion will state the applicable rate or calculation method and related charges.
Changes to ongoing service fees will be communicated before taking effect, with a reasonable opportunity to discontinue the affected service. Revised fees will not retrospectively apply to completed transactions or previously accepted fixed charges.
You are responsible for determining and meeting tax obligations arising from contributions or funds you receive, where applicable. Chapaa and relevant providers remain responsible for their own statutory obligations, including any deductions, reporting or remittances required of them.
Chapaa does not represent that a contribution qualifies for a tax deduction or charitable relief unless expressly confirmed under an applicable lawful arrangement. A transaction receipt alone does not establish such eligibility.
Charges associated with failed, cancelled, reversed or refunded transactions will be addressed under the applicable refund provisions. Any retained charge must have been disclosed and be justified and permitted by law.
9. Refunds, Reversals and Transaction Errors
Requests concerning duplicate payments, incorrect amounts, unauthorized transactions, failed disbursements or other payment errors may be submitted through the available support facility or to [email protected], together with the relevant transaction and campaign references.
Chapaa will assess the request, review available records and coordinate with the relevant provider and affected parties where necessary. You must provide reasonably requested information without disclosing passwords, PINs or payment authentication codes.
Verified duplicate payments, overpayments and amounts collected in error will be corrected or refunded. Failed or reversed transactions will be reflected accurately in the relevant records and balances.
A change of mind does not automatically entitle a contributor to a refund of a successfully processed contribution. Eligibility will depend on the campaign's disclosed conditions, the status and use of the funds, the organizer's authorization where relevant, and applicable law.
If a campaign is cancelled, materially misrepresented or cannot proceed for its stated purpose, Chapaa will assess the appropriate treatment of remaining contributions. This may include preventing further disbursement, obtaining relevant instructions or facilitating refunds, subject to lawful restrictions and established entitlements.
Refunds will ordinarily be returned through the original payment method where practicable. Alternative arrangements require appropriate verification and the entitled person's agreement. Chapaa will communicate the outcome, expected processing period and any material delay.
Chapaa may correct an erroneous credit after verification, provide notice where lawful and practicable, and explain the adjustment. You must not knowingly use funds credited to you in error.
A payment dispute or reversal may affect the available balance while it is assessed. Any restriction or adjustment must relate to the disputed amount or associated risk and must not cause unrelated funds to be forfeited.
Recovery of funds already transferred to an incorrect recipient or disbursed by an organizer may require recipient cooperation or legal action. Chapaa will provide reasonable assistance but does not guarantee recovery. This does not limit responsibility for errors attributable to Chapaa or rights available under law.
10. Acceptable Use and Prohibited Activities
You must use Chapaa's platforms and services lawfully, for their intended purposes and within your authority.
You must not:
Establish a fraudulent or misleading campaign, impersonate another person, submit false documents or conceal the intended beneficiary or use of funds;
Use the services for money laundering, terrorist financing, unlawful collections, illegal gambling, pyramid schemes or other prohibited activities;
Misappropriate contributions, divert funds from their disclosed purpose without lawful authorization or fabricate contribution and approval records;
Access another person's account, bypass verification or security controls, or divide transactions to evade applicable limits or checks;
Introduce malicious software, disrupt systems or use automated tools in a manner that compromises security or materially interferes with services;
Publish unlawful content, infringe another person's rights or disclose personal information without a lawful basis; or
Send unsolicited bulk messages, misuse participant contact details or represent that Chapaa endorses a campaign without authorization.
Activities involving investments, lending, securities, regulated charitable collections or other regulated services may be undertaken only where expressly supported by Chapaa and all applicable authorizations and service requirements are met.
Chapaa may request information reasonably necessary to assess suspected misuse and take proportionate action, including restricting affected campaigns or transactions and reporting matters to competent authorities where required or permitted by law.
You may report suspected prohibited activity to [email protected]. Reports will be assessed fairly and do not, by themselves, establish wrongdoing.
11. Intellectual Property and User Content
Intellectual property rights in Chapaa's platforms, software, branding, designs and original content belong to Chapaa or the respective licensors. Use of the services does not transfer ownership of those rights.
Chapaa grants you a limited, non-exclusive right to use its platforms and materials for the purposes permitted under these Terms. Except as authorized or permitted by law, you must not reproduce, modify, distribute, sell or commercially exploit protected materials.
You retain ownership of content you submit, including campaign descriptions, photographs, videos and supporting materials. You must hold the rights and permissions necessary to submit that content and make it available to the audience you select.
You grant Chapaa a non-exclusive licence to host, reproduce, format and display your content as reasonably necessary to operate the relevant service, administer your campaign and fulfil applicable legal obligations. This licence does not authorize unrelated advertising or publicity.
Public campaign content may be viewed or shared by others through available platform features. Chapaa will explain relevant visibility settings, but cannot guarantee removal of copies independently retained or distributed by third parties.
Use of identifiable testimonials, campaign stories or other user content in Chapaa's own promotional materials will require separate permission where applicable. Personal data remains subject to the Privacy Policy.
Chapaa may restrict or remove content where reasonably necessary to address unlawful material, infringement, security risks or a breach of these Terms. Removal of content does not, by itself, determine ownership or entitlement to campaign funds.
Reports of suspected intellectual property infringement may be sent to [email protected], identifying the material concerned and the basis of the complaint.
12. Service Availability and Third-Party Services
Chapaa will take reasonable steps to maintain the availability and functionality of its platforms. Access may be interrupted by maintenance, upgrades, technical faults, network disruptions or circumstances beyond its reasonable control.
Where practicable, Chapaa will provide advance notice of planned interruptions that materially affect users and take reasonable steps to restore services following an unexpected interruption.
Certain features depend on financial institutions, payment providers, telecommunications networks or other independent providers. Their availability and processing periods may affect the relevant service, and material dependencies will be identified where appropriate.
Where separate provider terms apply, they will be made available or clearly identified before you activate or use the affected service. A provider's involvement does not remove Chapaa's responsibility for its own obligations, instructions or representations.
Links to external websites do not, by themselves, constitute endorsement of their content or services. You should review their terms and privacy information before using them.
During an interruption, a transaction may remain pending. You should check its status before submitting a replacement instruction. Chapaa will assist with verification and correction of discrepancies.
An interruption does not cause funds or recorded entitlements to become Chapaa's property. Outstanding transactions, access to balances and any remedies for undelivered paid services will be addressed under the applicable service arrangements and these Terms.
13. Suspension, Closure and Termination
Chapaa may restrict or suspend an account, campaign or transaction where reasonably necessary to investigate suspected fraud or unauthorized activity, address a security risk, remedy a material breach of these Terms or comply with a legal requirement.
Restrictions will be proportionate to the issue and limited to the affected activity or amount where practicable. Immediate action may be taken where delay would expose users, funds, personal data or systems to material risk.
Chapaa will explain the restriction and provide an opportunity to respond or correct a remediable issue where lawful and practicable. Information may be withheld where disclosure is prohibited by law or would compromise an investigation.
You may request review by contacting [email protected] with relevant supporting information. Restrictions will be reviewed and lifted when their grounds no longer apply, subject to any continuing lawful requirement.
You may request account or campaign closure through the available facility or support channel. Closure may require completion of pending transactions, verification of the entitled recipient and settlement of outstanding obligations.
Suspension or termination does not, by itself, authorize forfeiture of funds. Verified remaining funds will be disbursed or refunded to the person entitled to them under the applicable provider and campaign arrangements, less only lawful, disclosed amounts due.
Funds may remain restricted where required by a court order, regulatory direction, unresolved ownership dispute or another lawful basis. Chapaa will facilitate their treatment according to the applicable requirement and provide information where permitted.
Inactive accounts and unclaimed balances will be handled under applicable law and the relevant provider arrangements. Any permitted inactivity charges will be disclosed in advance; inactivity alone does not transfer ownership of funds to Chapaa.
Provisions concerning accrued obligations, records, personal data, intellectual property, liability and dispute resolution will continue to apply to the extent necessary after closure or termination.
14. Liability
Chapaa will exercise reasonable care and skill in providing its services and remain responsible for the obligations it expressly undertakes under these Terms and the applicable service arrangements.
To the extent permitted by law, liability arising from a breach of these Terms will be limited to losses directly caused by that breach and reasonably foreseeable when the relevant arrangement was entered into.
Chapaa does not guarantee that a campaign will reach its target, that contributors will fulfil pledges or that an organizer will perform obligations outside Chapaa's control. This does not exclude responsibility for Chapaa's own representations, failures or handling of matters brought to its attention.
Responsibility for transaction errors, unauthorized activity or loss of funds will be assessed according to the relevant records, provider responsibilities and each party's conduct. Authentication alone does not establish that an instruction was authorized or that Chapaa has fulfilled its obligations.
Where you use the services for business purposes, Chapaa will not be liable for indirect or consequential losses, including lost business opportunities or anticipated profits, except where expressly agreed or where exclusion is prohibited by law.
Nothing in these Terms excludes or limits liability for fraud, wilful misconduct, gross negligence, death or personal injury caused by negligence, or any liability or statutory right that cannot lawfully be excluded or limited.
Each party must take reasonable steps to reduce avoidable losses. Liability will take account of any contribution to the loss, without automatically transferring all responsibility to a user or third-party provider.
These provisions do not remove obligations to account for funds, correct verified errors, provide applicable refunds or comply with personal data protection requirements.
15. Force Majeure
Neither party will be responsible for a delay or failure to perform an obligation to the extent directly caused by an event beyond its reasonable control that could not reasonably have been prevented or overcome. Such events may include natural disasters, war, civil unrest, government restrictions or widespread telecommunications or payment infrastructure failures.
The affected party must notify the other as soon as reasonably practicable, explain the obligations affected and take reasonable steps to reduce disruption and resume performance. Relief applies only for the extent and duration of the event's actual effect.
Routine maintenance, insufficient funds, ordinary technical faults or provider difficulties that could reasonably have been addressed through appropriate planning will not, by themselves, constitute force majeure.
During an event, Chapaa will provide available information about pending transactions and coordinate with relevant providers to preserve records, protect funds and restore access.
If a material service remains unavailable for more than sixty (60) consecutive days because of the event, either party may terminate the affected service by written notice, unless a different period was expressly agreed. Outstanding balances, transactions and any refund for undelivered paid services will be addressed under the applicable provisions of these Terms.
Force majeure does not extinguish accrued obligations, transfer ownership of funds or permit their forfeiture. Requirements concerning safeguarding, accounting, personal data and lawful disbursement remain applicable, although performance may be delayed to the extent genuinely prevented by the event.
16. Governing Law and Dispute Resolution
These Terms and transactions governed by them shall be interpreted and enforced in accordance with the laws applicable in Mainland Tanzania, subject to any mandatory law applicable to the relevant service or transaction.
Complaints may be submitted through Chapaa's support facility or to [email protected], describing the issue, the resolution sought and the relevant account, campaign or transaction reference. Submission of a complaint is free of charge.
Chapaa will acknowledge the complaint, investigate the relevant records and coordinate with any responsible provider. We will communicate the outcome and reasons within the applicable statutory or service-specific period. If the matter remains unresolved, we will explain its status and available escalation channels.
The parties will seek to resolve disputes through good-faith discussions within thirty (30) days after receipt of written notice, or another period they agree, without extending any shorter mandatory complaint-handling deadline.
An unresolved dispute may be referred to a competent court in Tanzania having jurisdiction over the matter. You may also approach a competent regulator or statutory dispute resolution body where the matter falls within its mandate.
Nothing in this clause prevents urgent court relief or the exercise of a statutory remedy. Discussions do not suspend a limitation period or require either party to delay action necessary to preserve its rights.
Where a complaint concerns an independent provider's service, Chapaa will assist in directing it to the appropriate channel. This does not limit Chapaa's responsibility for its own conduct or prevent a complaint against Chapaa.
17. Miscellaneous
Changes to These Terms: Chapaa may revise these Terms and publish the current version with its effective date. Material changes will be communicated before taking effect, with a reasonable opportunity to discontinue the affected service. Changes will not retrospectively alter completed transactions or accrued entitlements unless required by law. Fresh acceptance will be obtained where required.
Notices: Notices to Chapaa shall be sent to [email protected] or delivered to Plot No. 10, Block No. 45A, New Bagamoyo Road, Dar es Salaam, Tanzania. Chapaa may send notices through the application or the contact details you provide. General notices may be published on its platforms; notices materially affecting an individual account, campaign or transaction will be communicated directly where practicable.
Electronic Records: Instructions, approvals, confirmations and notices may be issued electronically through designated channels. Chapaa will maintain relevant records and make transaction information available as required by the applicable service and law.
Entire Arrangement: These Terms and the applicable service or provider terms accepted by you constitute the agreement concerning the relevant service. This does not exclude representations or rights that cannot lawfully be excluded.
Severability: If a provision is unlawful or unenforceable, it will be limited or severed to the extent necessary. The remaining provisions will continue to apply where the arrangement can reasonably operate without it.
Waiver: A delay or failure to enforce a provision does not constitute a waiver. Any waiver applies only to the specific matter for which it is given.
Assignment: You may not transfer account access or authority over campaign funds merely by assigning rights under these Terms. Any permitted transfer must follow applicable verification and authorization procedures. Chapaa may transfer its contractual responsibilities as part of a lawful business reorganization or transfer, provided existing entitlements remain enforceable and affected users receive appropriate notice.
Relationship: Use of Chapaa's platforms does not, by itself, create a partnership, employment, trusteeship or general agency relationship. Any authority to transmit payment or withdrawal instructions is limited to the relevant service arrangement.
Contact: Questions concerning these Terms or Chapaa's services may be directed to Chapaa Technologies Limited, [email protected].