NETWORK SERVICES AGREEMENT

The Terms and Conditions set out herein below (these “Terms") shall apply to the use of the Network Services provided to you by Airtel Uganda Limited. By using or upon registration for use of the Network Services you automatically agree to abide by these Terms. It is important that you read and understand these Terms before using the Services. These Terms and Conditions (the “Terms and Conditions”), shall together with the Registration Form overleaf constitute a legally binding Network Services Agreement binding on you and your successors or personal representatives and assigns. This Agreement may not be assigned to any other person except with our prior written consent.

1.  DEFINITIONS AND INTERPRETATIONS 

Unless inconsistent with the context, the words and expressions set forth below shall bear the following meanings: -

“Active” means, in relation to a SIM Card, the services for which it is enabled and are conducted through it on a regular basis;

"Agreement" means this Agreement under which the Services are being provided and includes the Registration Form, Application Form, these Terms and Conditions, Schedules, Supplemental Agreements and Tariff Guides, which may be varied by us from time to time;

"Airtel", "we" or "us" means Airtel Uganda Limited, whose registered office is at Airtel Towers, Plot 16A, Clement Hill Road, Nakasero, Post Office Box Number 6771, Kampala, Uganda;

“Airtel Subscriber” means an existing user of Network Services;

“Airtel Trademarks & Trade Names” means the name and logo belonging to Airtel;

“Conditions of Use” means the terms and conditions, stipulations and provisions contained herein together with the Registration Form and any appendices or addenda hereto;

“Commencement Date” means the date when you sign the Registration Form or the date this Agreement will come into effect as detailed overleaf, whichever is earlier;

"Charges or Fees" means the Fees and other charges or deposits payable for the Service as published in the Tariff Guide;

"Connection Charge" means a charge in respect of each MSISDN for connection to the Network as published in the Tariff Guide or as provided in the Agreement; 

"Credit limit" means the maximum amount of credit available to you in respect of each MSISDN as specified by Airtel; 

"Customer" or "You" means the Subscriber applying for, or using the Services with whom we are making this contract and includes any person whom we believe is acting with the Subscriber’s authority; 

“Customer Care Centre (s)” means our Service Centers whose contact details are specified in our User Guide or other regional Customer Care Centre operated by us;

“Data” means the use of binary signals to transmit information from one computer or apparatus to another;

“Distributor” means a person/body corporate authorized and registered by us to distribute Airtel’s Products and Services;

“Default PIN” means the 4-digit PIN Code issued to you upon registration to be used once for the purposes of activating your Account, and which for security purposes you must change to a PIN immediately thereafter;

"Disconnection" means the deactivation of the MSISDN from the Network for whatever reason;

“E-Bill” means our electronic billing facilities providing the Customer with access to billing data current or historical either via email or online through our prescribed portal; 

"Equipment" includes the cellular telephone handset, accessories, SIM Cards, Starter Packs, promotional items and other items as purchased by you or as used/owned by us pursuant to this Agreement; 

“GSM” Means Global System for Mobile Communications as defined in the European Technical Standards Institute structure of specifications;

“ID Number” means your presented Identity Card number or your Passport Number as the context may require;

“Inactive” means, in relation to a SIM Card, that services for which it is enabled have not been conducted through it for a period of Three (3) consecutive months;

“Licence” means a Licence, including any amendment to, renewal or replacement of such Licence, granted to us by the Regulatory Authorities in terms of the laws of the Republic of Uganda to install, operate and maintain a Telecommunications Network within the Republic of Uganda;

“Mobile Equipment” means your Mobile Phone and SIM Card and/or other equipment which when used together enables access to the Services;

“Mobile Phone” means your Mobile Phone handset;

"MSISDN" means the Mobile Subscriber Integration Services Digital Number, and corresponding identity number and PUK for accessing the Airtel Network;

“Network” means the Mobile Cellular Network operated by us and covering those areas as stipulated by us from time to time;

"Material breach" means a breach of any Term of this Agreement, which cannot be remedied; 

"Monthly Access Charge" means the standing monthly charge payable by you for the use of the Service as specified in this Agreement or in our Tariff Guide;

 "Party" means either you or us and "Parties" shall mean us both;

 “PIN” means a 4-digit personal identification number being the secret code you choose to access and operate your Account;

 “Pre-paid Airtime” means mobile phone calling credit on the Airtel Network;

 “Registration Form” means the registration form containing required registration details and acceptance of these Conditions of Use by you;

 "Roaming Services" means a service that allows for the use of the Airtel MSISDN with networks beyond the coverage of the Airtel Network;

 “Re-charge” means the process of crediting your MSISDN account with us so as to access the Services by using our recharge voucher or by any other means approved by us; 

 “Regulatory Authority” means the Uganda Communications Commission established in terms of the Uganda Communications Act Cap 103 and its legal successors from time to time as well as any relevant Regulatory Authority;

 “Service” or “Services” includes but without limitation basic Voice, International Dialing, International Roaming, Short Message Service (“SMS”), email, Data services, emergency access numbers and any other related services offered via our Network that we agree to make available to you from time to time;

 “SIM Card” means the Subscriber Identity Module Card issued to you by us through which you can access our services using the Equipment; 

 “SMS” means a short message service consisting of a text message transmitted from one MSISDN to another;

 “Starter Pack” means the packaged SIM Card sold to you by us together with the PIN (Personal Identification Number) and PUK (Pin Unblocking Key), and or any additional products and information that maybe included from time to time; 

 “Subscriber” means the Customer or you or a person using or registered to use our SIM Card;

 “Tariffs” means our charges for use of the Services as varied by us from time to time; 

 “Tariff Guide” means a guidance catalogue of our charges for the services as published by us from time to time

 "Term" means the duration of this Agreement as herein provided; 

 “We” or “us” means Airtel (its successors and or permitted assigns); “You” means the Subscriber. 

 2. PROVISION OF NETWORK SERVICES

The Services are made available to you subject to these Conditions of Use: -

2.1        We reserve the right to evaluate your creditworthiness before or after providing the Services; 

2.2        We reserve the right to lock the SIM Card or Network Equipment provided by us to you so that you will only operate on the Airtel Network and may be restricted from certain services; 

2.3        You may only use the Services within the Republic of Uganda and those areas covered by our Network or our Partner Networks. For details of areas covered by the Airtel Network, you may contact our Customer Service Hotline. Access to Roaming Networks will depend upon the arrangements between the foreign operators and us and will be subject to the availability of the foreign operator's network, gateway restrictions and charges; 

2.4        We reserve the right to immediately change the terms, conditions, notices and charges under which we offer the Services as a direct result of new or amended legislation, statutory instrument, government regulations, policy or licence. In the event of any review of our business planning, technical, public interest or operational reasons, changes within the industry, recommendations from regulatory bodies or similar events, we shall notify you of such changes by SMS or e-mail or through the media (including newspaper publications, television and radio) or on our website at www.airtel.co.ug. Your continued use of the Services shall be deemed to be your acceptance of or an agreement to all such terms, conditions, notices and charges and any changes thereto; 

2.5        We reserve the right to suspend, disconnect, churn, bar and or re-allocate any mobile or telephone number for any of the reasons herein provided without informing and without any liability whatsoever; 

2.6        Access to all or any part of the Services may be subject to the payment of additional charges on such terms and conditions as we may determine; 

2.7        The SIM Card shall at all material times remain our property and upon the determination of this Agreement, you shall without  prior demand from us return the SIM Card and all Equipment being the property of Airtel; 

2.8        With the exception of calls made to our Customer Service Hotline numbers and to any other designated toll free numbers, a variable minimum network access credit requirement shall be applied and shall depend on the Tariff used by you; 

2.9        Title to any Equipment provided to you on provision of the Services, will remain with us and may be transferred to you under such conditions as may be required;

2.10      Your calls, emails or SMS’s may be monitored or recorded for use in business practices such as quality control, training, ensuring effective systems operation, prevention of unauthorized use of our telecommunications system and detection and prevention of crime;

2.11      You may migrate between Tariffs subject to our conditions, which may be varied upon notification from time to time;

2.12      Unless otherwise required, activation of International Dialing, Roaming Services, Data Services and any other new services provided may be made available upon request at least forty-eight (48) hours prior to departure from Uganda, upon completion of the necessary documentation and upon payment of required amounts and/or deposits. You may contact        our Customer Care Centre or an appointed Account Manager for any assistance.          

3. YOUR OBLIGATIONS

3.1        You must register for the Services with an authorized Airtel Distributor in Uganda by completing, signing and submitting to the Distributor the Registration Form; and provide information about yourself as per the Registration Form;

3.2        You accept to subscribe for the Services and to be responsible for all applicable charges/Fees for the Services effected using your PIN;

3.3        A prepaid Customer must ensure that he/she has sufficient credit so as to access the Services, as we shall not be liable in               any manner in the event that you are denied access to the Services due to insufficient credit with us; 

3.4        You will use the Network Services only for lawful purposes contemplated in these terms and conditions; 

3.5        Where necessary you will allow us reasonable access to your premises and transit controlled areas as may be necessary    for purposes of erecting, servicing and maintaining the Network Services in accordance with these terms and conditions;

3.6        You will promptly notify us of any fault in the Network services and we shall endeavor to rectify any such fault as soon as       possible; Provided that such fault, breakdown or problem is not caused by the negligence or willful default on your part           Where the fault is due to your negligence or willful default, we may rectify it at your cost; 

3.7        In the event of damage to or loss or theft of your SIM Card, you are obliged to inform us immediately of such damage, loss or theft by calling the Customer Care Centre. We will then disable such damaged, lost or stolen SIM Card in order to prevent further use of the Services until such time as the same has been replaced or repaired. A replacement or repair fee may be applicable and payable by you prior to such replacement or repair being effected. You will be held responsible for all Fees and Transactions effected up to the time of receipt by us of your notification of the damage, loss or theft and you hereby indemnify us against any claims made in respect of any Transactions effected using your Mobile           Phone and/or SIM Card prior to such notification; all services provided or accessed as a result of the unauthorised use of  the SIM Card or phone shall be deemed to have been provided to you;

3.8        You must comply with any instructions that we may give from time to time about the use of the Services;

3.9        You are responsible for all applicable charges for using the Services using the Equipment whether those Services were    used by you or someone else with or without your authority or knowledge;

3.10      You are responsible for the legal compliance and security of any Equipment used to access the Services. You are also  advised to read and understand any manufacturer's instructions for use of the Equipment. We will not accept liability for any               malfunction of the Equipment, injury, loss of data or damage to the Equipment; 

3.11      You are responsible for any transmitted material and or communication, which is classified as illegal, defamatory, misleading or in breach of any person(s) rights and shall keep us indemnified against any claims and expenses made against us in respect thereof;

3.12      You are responsible for obtaining our permission where you desire to make any alteration or addition to the Network          Services. 

4.  SERVICE AND MAINTENANCE

4.1        We will offer a reliable and cost effective service.  Where necessary we may provide Equipment to be placed at your     premises. The Network Services will be offered with an availability of not less than 99.5% up time within Kampala and 98%            up time outside of Kampala calculated over a period of a year.  

4.2        We are entitled to undertake routine and emergency maintenance and repair operations, which, will, where possible, be               carried out upon reasonable notice being given.   Routine maintenance shall, where possible, be carried out between 24h00               and 06h00 so as to minimise disruption of service to you.

4.3        Although we shall try to ensure that you are able to make full use of the Services, we do not guarantee that the Services shall be available at all times and we shall not be responsible or liable for any loss whatsoever and howsoever arising as a consequence of any non-availability of the Services. By accepting these Conditions of Use you acknowledge that the Services are not fault free and that there are certain circumstances and factors including (but not limited to) acts of God, geographical, topography, weather conditions, planned maintenance or rectification work on the Network may interfere adversely with the quality and provision of Services. 

4.4        We shall not be liable under any circumstances for any incidental or consequential loss or damage or negligence and your          exclusive remedy shall be expressly limited to the performance of the services provided for by this Agreement. 

5. NETWORK SERVICES EQUIPMENT

5.1        Any Equipment supplied by us or Equipment provided in terms of our obligations hereunder (whether by our agents, contractors or otherwise) and used for the establishment and or provision of the Services shall remain our exclusive property and nothing herein contained shall be construed as granting you any right in the Airtel supplied Equipment or Equipment provided in terms of our obligations hereunder;

5.2        No alteration or addition shall be made to the Network Services Equipment except with our prior written permission;

5.3        If at our discretion we perform any service on any Network Equipment necessitated by a cause other than normal use of such Equipment or use of parts or materials not provided by us, including but not limited to any abuse, accidental damages, operator error, abnormal use, tampering, alterations or repairs not performed or authorized by us or inaccurate instruction given by us to our employees or agents who handle or use the Network Equipment, you shall pay us an additional charge for the time that we are so engaged at the prevailing time and material rates, including the price of any parts of materials utilized in such services. If the provision of the service is made necessary by normal wear and tear or by fault or our neglect, there will be no additional charge to you; 

5.4        You will be responsible for any loss or damage to the Equipment from the point of delivery to you;

5.5        We may block further use of the Equipment upon your written request provided that any loss or theft of the Equipment has  been procedurally reported to the police and after you have given us all information and documents we may require to effect  this. Any replacement of the Equipment shall be at your cost.

6.  WARRANTY

6.1        If you have purchased any Equipment from us which is found to be faulty or defective, you will need to immediately return the Equipment and the original receipt for the purchase to us (at the point of sale), within Ten (10) days of purchase. We will only be responsible for the replacement of the Equipment in the case of manufacturer’s defects;

6.2        We will use reasonable endeavours to extend to you the benefit of any warranty as given to us (subject to any limitations          and restrictions thereof) by the manufacturer provided that any expense reasonably incurred by us in extending such benefit    shall be held to your account. This warranty is the only warranty given by us and specifies its entire liability including liability        for negligence and in particular but without limitation all statutory or other express, implied or collateral terms. Conditions or    warranties are excluded to the fullest extent provided by law including but not limited to any warranties and conditions         expressed or implied by the Sale of Goods Act Cap 292 and the Contract Act Cap 284.

7. SUSPENSION AND DISCONNECTION OF THE SERVICES

7.1        We may suspend, bar, disconnect, churn, restrict or terminate the provision of the Services (in whole or in part) and or close               your Account without prior notice to you and without any liability whatsoever (although, we will, where possible, try to inform   you that such action is or may be taken) under the following circumstances: -

7.1.1     If we are aware of or have reason to believe that your Mobile Equipment, SIM Card, MSISDN, PIN or Account is                       being used in an unauthorised, unlawful, or fraudulent manner (or has been so used previously);

7.1.2     If your SIM Card is inactive, that is, if you do not use the Services for a period of 3 (Three) months after the end of the validity of your last Re-charge or any other periods as may be set by us and communicated to you from time to time. In this Clause “Use” includes, making any chargeable outbound calls, sending chargeable SMS's, accessing data services, Re-charging of your account and any other use or access to our other services; 

              7.1.3     If you do not comply with any of the conditions relating to any part of the Services; 

              7.1.4     If we believe you are making calls or sending data which is classified in our sole opinion as being illegal, a         nuisance, abusive, a hoax, menacing; unsolicited or indecent (including any calls or messages relayed to our   

                             customer service operators);    

              7.1.5     If we are aware or have reason to believe that you have Re-charged (or has attempted to Re-charge) your account using any fraudulent or illegal means, over and above any other remedies We may have, we may also bar the Equipment from accessing the Services and/or bar the MSISDN so that it is no longer available for use or Re- charge with any electronic facility;

              7.1.6     If you notify us that your Equipment has been lost or stolen; 

              7.1.7     If you do anything (or allow anything to be done) with your Equipment which we think may damage or affect the operation or security of the Network or the Services;

              7.1.8     If a material misrepresentation is discovered in the information you provided at the time of registration;

              7.1.9     During technical failures, modifications, maintenance of the Network etc.; 

              7.1.10  For reasons beyond our control.

7.2         Where the continued use of the Services has been suspended, churned, disconnected or terminated for any of the above  reasons, and your account expires any credit balance in your account, excluding Airtel Money credit balances, will be forfeited. Where we have suspended or restricted access to the Services for any of the above reasons any reconnection is at our discretion and a reconnection fee may be charged. 

"Expiry" occurs when your account has been inactive for 3 (Three) months after the end of the validity period of your last Re-charge. The validity period may vary depending on the value of the Re-charge voucher.

7.3         After the Expiry of your account, we will reserve the right to deactivate and recycle the MSISDN and make it available for sale to another customer, without further liability to you.

8. FEES AND PAYMENTS

8.1        In consideration of the Services supplied by us to you, you shall pay us the applicable charges a detailed in the Tariff Guide     or as shall otherwise be communicated to you. We may require you to pay a deposit(s) on signature of this Agreement. The              Tariff Guide is available from the Customer Care Center, the Dealers as well as on our website.

8.2        We may require a person wishing to subscribe as a post-paid customer to pay a security deposit and may upon the breach               of any of the obligations, and without prior notice defray from the security held any service charges due and all costs       incidental to our recovery of the debt or performance of the obligations. Airtime deposit paid under the prepaid service is   not refundable and itemized bill shall not be provided.

8.3        Post-paid Customers will be responsible for paying in full all dues arising as a result of any errors made during data subscription and re-subscription within the due month;

8.4        The Tariff Guide is available to you only as a guideline and is not a legally binding document. The Tariffs are subject to  change without prior notice. Unless otherwise specified, the amounts set out in the Tariff Guide are inclusive of VAT or any           other taxes, or levies which by law or in terms of this Agreement would be payable by you, and you undertake to pay VAT   on the amounts specified and any other taxes or levies as may be payable from time to time, arising from and/or as               contemplated in this Agreement;

8.5        A Postpaid Customer shall receive a monthly invoice for his or her bill at the beginning of every month for the previous month’s charges, which shall be settled on the due date. The invoice may take the form of an E-Bill as herein above defined. It is understood by you that we shall not be liable if the E-Bill is received by a person not intended to be the recipient;

8.6        Itemized billing and data information are not available to prepaid Customers;

8.7        Upon receipt, a postpaid Customer shall check all bills provided by us in order to ensure that the contents thereof are  correct; Any exceptions or objections to the charges must be advised to our Credit Control Manager immediately. In the   event that no exception or objection is raised within fifteen (15) days from the billing date then the invoice amount shall be             deemed to be correct;

8.8        Unless a rebate is specifically promised in writing to you by us, the full invoice or bill shall remain payable by you;

8.9        All amounts inclusive of taxes, are payable by cash, cheque, approved credit card and/or Bank Transfer. Payment may be made at our Cash Office at Airtel Head office or at any other designated locations communicated by us. All cheques should be drawn in favor of “Airtel Uganda Limited” to be paid fifteen (15) days after the invoice due date;

8.10      All payment received for the Services shall be specific to an invoice. Where you do not specify the invoice to which the      payment should be applied, the payment shall be applied to the earliest dated unpaid invoice;

8.11      If you fail to effect payment of any amount within 15 (Fifteen) days after the due date, and or we have not received any     objection to the invoiced amount then we may: - 

1. suspend your access to the Service or any discounts in place until we receive payment in full; and/or;
2. charge interest on the unpaid amount at a rate of 2% above the base rate of Bank of Uganda from time to time; and/or;
3. refer the debt to a collection agent and/or institute debt recovery proceedings for the recovery of the debt; and/or
4. hold all pre and post judgment collection costs to your account until we receive payment in full.

We will reserve the right to offset any sums owed by you under this Agreement against any sums we are holding to your credit under this Agreement or otherwise.

8.12      International access and global roaming shall be activated for the line(s) nominated by you.

9. USAGE LIMITS/AUTO BAR

9.1 You may use the Auto Bar service, upon request, to receive updates on the available credit in your account. This service shall be used strictly as a guideline to allow you some degree of control over your account;

9.2        Where you have exceeded your credit limit, we may at any time, without notice to you and in any manner whatsoever, suspend your access to the out-going calls and SMS Service (or the Network Services in whole) until a sufficient amount of payment is made into the account. If your access to the Network Services is suspended, you shall still be liable for the                       monthly service charges during that period and for the duration of the Agreement until the account is settled in full;

9.3        You shall remain liable for all charges incurred for use of the Service, irrespective of any delays in the barring or un-barring of your account. Usage limits shall not apply for Roaming Subscribers. Charges arising for such Subscribers will be paid in full by the respective Subscriber;

9.4        We shall not be liable to you for any loss or damage suffered by you whether the same is direct or consequential, if we fail   to suspend the provision of the Network Services to you in the terms of an arrangement between us and you or after you  specifically requested us to do so in order to limit the usage charges.

10.  ACCEPTANCE OF CONDITIONS OF USE

You shall be deemed to have accepted these Conditions of Use as amended from time to time and which take effect on the occurrence of any of the following events: -

1. Upon submission of your Registration Form;
2. Upon the Re-charge of your SIM Card at any time with any amount using the designated recharge voucher or using any other approved means of Re-charge; 
3. Or upon use by you of our Services or upon you accessing our Network at any time;
4. upon the initial activation of SIM Card;
5. Upon activation of your Account using your Default PIN.

11. COMMENCEMENT & DURATION

This Agreement shall be effective from the date that you sign the Registration Form overleaf or start using an Airtel SIM Card and shall continue in force for the duration of use of the services unless terminated in accordance with the provisions herein.

12.  TERMINATION

12.1      We may at our discretion and without prior notification, discontinue the provision of the Services or any part thereof without  incurring any liability to you;

12.2      You may terminate this Agreement at the expiry of the initial term or at any later date, upon giving us One (1) month’s notice in writing;

12.3      You shall not bring any claim against us as a result of termination of the Services and the termination of the Services shall not prejudice any rights that may have accrued to either party prior to the termination;

12.4      Notwithstanding any other provision contained herein, the Agreement will automatically determine if either Party becomes   insolvent, is declared bankrupt, is wound up or otherwise ceases to exist, or commits a fundamental breach of these terms  and conditions. 

12.5      No Party shall bring any claim against the other as a result of termination of this Service Agreement except that the termination of the Agreement shall not prejudice any rights that may have accrued to either Party prior to the termination.

12.6      Termination shall not affect any provision of this Agreement expressed or which by implication is to have effect after termination, or any other rights either Party may have against the other Party subsisting at the time of termination;

12.7      Where a postpaid Subscriber terminates this Agreement before the expiry of the initial defined term then he or she will be required to pay all outstanding charges plus the monthly or other periodic charges, which would otherwise have been payable for the remainder of the Term, had this Agreement not been terminated;

12.8      Where you terminate this Agreement after the expiry of the initial defined term without giving one (1) month’s written notice, then you will be required to pay all outstanding call charges plus the monthly or other periodic charges for a further one (1) calendar month. 

12.9      We will use all reasonable endeavours to disconnect the MSISDN from the Network without delay upon notice to do so.  

13. DISPUTE RESOLUTION

13.1      The Parties shall endeavour to settle any dispute arising out of the execution of these Terms or their construction by  discussion and negotiation.

13.2      Save as may otherwise be provided herein, all questions in dispute arising between the Parties and all claims or matters in such dispute not otherwise mutually settled between the Parties shall be referred to Arbitration. 

13.3      Arbitration shall be by a single Arbitrator to be appointed by agreement between the Parties or in default of such agreement within Fourteen (14) days of such notification of such dispute by either Party to the other, upon application by either Party to the Executive Director for the time being of the Center for Arbitration and Dispute Resolution (CADER) and any Arbitration proceeding shall take place in Kampala, Uganda. Every Award made under this Clause shall be made in accordance with the provisions of the Arbitration and Conciliation Cap. 5 of the Laws of Uganda and the regulations made thereunder or other Act(s), Regulations or Rules for the time being in force in Uganda in relation to Arbitration.

13.4      To the extent permissible by law the determination of the Arbitrator’s decision shall be final and binding upon the Parties.

13.5      Notwithstanding these Arbitration provisions, the Parties shall not be precluded from seeking urgent injunctive relief, in which case the Parties submit to the exclusive jurisdiction of the High Court of Uganda.

14.        CONFIDENTIALITY

14.1      Both Parties undertake to keep confidential the provisions of these terms, all confidential information agreed by the Parties  as being confidential as well as any information disclosed in the course of use of the Services and that either Party shall use such information only to the extent necessary to perform the obligations in terms of these terms or as may be required by  law.

14.2      The confidentiality of your communications via Airtel Network is not guaranteed. You are advised that for reasons beyond  our control, there is a risk that your communications may be unlawfully intercepted or accessed by persons other than the  intended recipient. We cannot and will not accept any liability for any loss, injury or damage whether direct or consequential     arising out of any such compromise of confidentiality;

14.3      You accept and confirm that we may disclose and/or receive and/or record any details of your use of the Services including but not limited to your calls, emails, SMS’, data, your personal information or documents obtained from you for the   purposes below:

1. fraud prevention and law enforcement;
2. for reasonable commercial purposes connected to your use of the mobile service, such as marketing and research related activities;
3. use in our Telephone Directory enquiry service in printed or electronic format;
4. to comply with any legal, governmental or regulatory requirement or an order of a Court of law;
5. for use by our lawyers in connection with any legal proceedings;
6. in business practices including but not limited to quality control, training, audit and ensuring effective systems.

15.   EXCLUSION OF LIABILITY

15.1      In the event that we are compelled to change or reassign your MSISDN to meet regulatory requirements or for any other        reason our liability to you will be limited to retaining your Account and where possible, transferring your Account to a new   MSISDN, failing which you will be paid the Balance standing to the credit of your Account in cash;

15.2      To the maximum extent permissible by law we exclude warranties and conditions of all kinds, either express or implied;

15.3      To the fullest extent permissible by law, we shall not be liable for any costs, loss, liability or damage whether direct, special or consequential, howsoever and whensoever arising out of our supply of, or failure to supply, the Services and you shall indemnify and keep us indemnified at all times against any and all costs, expenses, actions, claims, demands and damages howsoever and whensoever arising as a result of the use of the Equipment or SIM Card by you or anybody else; 

15.4      We shall not be responsible or liable for any failure to perform our obligations herein where such failures are caused by Acts of God, Acts of Government, strikes or labour disputes, fire, flood, lightening, pandemic/epidemic or other failures of sub-contractors or suppliers or any cause or causes (where not or of a like nature) beyond our reasonable control;

15.5      We will not be liable in contract, tort (including negligence) or otherwise for any costs, loss, liability or damage whether        direct, special, incidental or consequential arising out of the supply of the Service or failure to supply the Service including          but not limited to loss of profits, business, anticipated savings or data or for wasted expenditure; 

15.6      All Dealers are independent outlets authorized by us to provide the Services and no agency relationship exists between us and the Distributors and we accordingly bear no responsibility or liability for any default or negligence on the part of the Distributors in providing the Services; 

16.        RIGHT OF SET-OFF

Airtel shall have the right to set-off any sums owed by it to the Agent pursuant to the terms of this Agreement against any sums due and owing by the Agent whether pursuant to the terms of this Agreement or otherwise.

17.        DATA PROTECTION AND PRIVACY

17.1      We recognize the importance of protecting the privacy of all information provided by our Customers. This statement is meant to affirm our utmost respect for your rights to privacy.

17.2      We collect directly or indirectly personally identifiable information that we use to profile our Customers and administer individual Accounts, update our databases and provide user support. You must not provide any false, inaccurate, incomplete or misleading information and you warrant and undertake to comply with all obligations imposed under all applicable laws and regulations which include the Uganda Communications Commission Act, Cap 103, the Registration of Persons Act Cap 332, the Regulation of Interception of Communications Act Cap 101, the Data Protection and Privacy Act Cap 97 and all its subsidiary legislations thereunder.

17.3      Save as provided hereunder, we do not share your personal information with unauthorized persons and adequate safeguards have been put in place to prevent unauthorized access and to ensure confidentiality of your personal information.

17.4      You acknowledge that by using our Services, some of your personal information will be passed on to any person whom you communicate with, and will be available to any third party involved in the operation of the service including without limitation, our affiliates, Telecom Operators, Agents, Franchise Partners, Service Providers and Business Partners. You hereby authorize us to share with, provide or disclose to third parties with which you have separately contracted or with which you intend to contract (and have informed us of this intention in writing or electronically), your personal information including any Transaction data, information pertaining to your Account, or your usage of our Products and Services provided that the authority given to us to disclose information to such third parties (not being a law enforcement, investigative or regulatory authority) pursuant to this clause may be withdrawn at any time.

17.5      You acknowledge that we may verify your identity information through publicly available and/or restricted government databases in order to comply with regulatory requirements. 

17.6      You accept that we shall have the right to monitor your account usage and may disclose personal information to law enforcement or investigative agencies or any competent regulatory or governmental agencies to assist in the prevention, detection or prosecution of money laundering activities, terrorism financing, fraud or other criminal activities, or in compliance with the law, regulatory directive, court order or for any other lawful cause.

17.7      You confirm that the information you provided for purposes of registration for the Services is true and correct, and you undertake to immediately update or inform us or our successor in title of any change in your personal data as and when the change arises.

17.8      You consent and hereby authorize us to access your personal informational, personal data, records, transactional history and other information, from our affiliates.

17.9      You consent to the collection, use, storage and or processing (in or outside Uganda) of your personal data/information for purposes of registration for the Services (including all current and future Services) or Marketing or our other business activities (and of our affiliates) and or any other use/processing which is permissible under the Laws of Uganda. 

17.10    Our employees who handle personal information are under an obligation to treat it confidentially and may not disclose it to unauthorized third parties. Our employees are also responsible for the internal security of the information. Employees who violate our privacy policies are subject to a range of disciplinary actions.

17.11    Any person submitting any information to us may be granted access rights to that information. We have developed systems that enable access and correction of information submitted to us.

17.12     All personal data relating to children shall not be collected, processed unless it’s collection or processing thereof is;

1. carried out with the prior consent of the parent or guardian or any other person having authority to make decisions on behalf of the child.
2. necessary to comply with the law or;
3. for research or statistical purposes.

18.        GENERAL

18.1      Notwithstanding anything herein contained, these Terms are subject to the terms and conditions of our License, and any other law, statute or agreement in force or which may come into force and become applicable to or binding on us or you.  If anything herein contained is irreconcilable or contradictory to our obligations under the aforesaid Licence(s) or law, or should you commit any act or omit to do things such that   we will be deemed to have contravened or be held to be in contravention of any term or condition of the Licence or should it contravene any term or condition of the Licence, we shall be entitled to claim for any loss incurred by way of penalty or otherwise, or in the case of material or substantial breach or contravention, terminate these Terms as is provided for  herein unless the contravention or inconsistency, or contradiction in question, can be remedied without us having to terminate the Services. 

18.2      No failure or delay by either us or you 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.

18.3      Failure by either Party to enforce any rights under these Conditions of Use shall be without prejudice to any available legal   remedies and does not imply any admission of liability on our part for any alleged breach.  

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

18.5      You are obliged to pay all our expenses in recovering any amounts you owe us including legal fees, collection fees and tracing fees

18.6      The number and duration of messages that can be left on the voicemail service will be limited. You may call our Customer  Service Hotline for further information. 

18.7      Unless specifically requested in writing to us and at our discretion, the identity of your MSISDN may be sent through the Network so as to be identified by the recipient of your communication. Your MSISDN will always be transmitted if calling toll free lines or emergency assistance number. 

18.8      If the facility to eliminate the presentation of the number of an incoming call is at our discretion made available, we may charge you for the use of such a facility. 

18.9      For your own protection, you must keep confidential all personal identification or security numbers used in connection with the Services. The numbers/codes which we allow you to use in connection with the Services will remain our property at all times. We may charge you for inclusion of your information in any publicly available telephone directory enquiry service at the price stated in our Tariff Guide from time to time. Even if the Subscriber has not requested that your details be included in a directory enquiry service your name and address will still be entered into the database so that the operator can confirm that you are ex-directory. Directory enquiry service information may be passed by us (directly or indirectly) to other organisations so that they may operate their own directory enquiry service. 

18.10    You confirm that the information you provided for purposes of registration for the Services is true and correct and you consent to the collection, use, storage and or processing (in or outside Uganda) of your personal data/information for purposes of registration for Airtel Services (including all current and future Services) or Marketing or other business activities of Airtel Uganda (and its affiliates) and or any other use/processing which is permissible under the Laws of Uganda. You undertake to immediately advise Airtel or its successor in it title of any change in your personal data as and when the change arises. You understand that your personal information may be disclosed to a third party in compliance with the law, regulatory directive, order of court or for any other lawful cause.

18.11    The intellectual property rights in the SIM Card and all Service (including the software) (“IPR”) belongs to us or our Suppliers and is provided to you, under licence, by us for proper use with the Services only. We may change the IPR at any time without prior notice to you. You may not copy or change or reverse engineer any of the IPR. If the Equipment is disconnected from the Services or if we change the IPR Subscriber must either destroy the SIM Card or return it to us, as we may request.

18.12    Unless requested in writing and upon payment of the applicable charge by you or your duly authorised representative we do not provide itemised billing statements or call data information/history for Services provided. Call data information shall be provided to you upon production of a Court Order.

18.13    The terms of these Conditions of Use are subject to and governed by the Laws of Uganda.

18.14    If any provision of these Conditions of Use 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 and all provisions not so affected by such invalidity or unenforceability shall remain in full force and  effect. 

18.15    Any notices in regard to any information that we may wish to send to you from time to time including but not limited to variations to these Conditions of Use, modifications/variations to the Services or Tariffs, any promotions and other information will be through advertisement in a daily newspaper, SMS, our Website, and/or by using any other suitable means PROVIDED THAT you shall be deemed to have been duly notified regardless that the same may not have actually come to  your attention.

18.16    This Agreement constitutes the entire agreement between the Parties and supersedes any previous agreement or relationship of whatever nature between the Parties.  Subject to the terms herein, any variation of this Agreement shall be valid only if reduced to writing and signed by or on behalf of each Party.

18.17 Except where this Agreement provides otherwise, the rights and remedies contained in it are cumulative and not exclusive of any rights or remedies provided by law.  Failure or delay by Airtel at any time to enforce any of the terms and conditions of this Agreement or its rights hereunder shall not constitute a waiver of such rights or of the right to enforce such terms and conditions subsequently at any time.

18.18    If any provision of this Agreement is declared by any judicial or other competent authority or by an arbitrator appointed hereunder to be void, voidable, illegal or otherwise unenforceable, the Parties shall amend that provision in such reasonable manner as achieves the intention of the Parties failing which the offending provisions shall be severed from this Agreement without affecting the remaining provisions of this Agreement which shall continue to remain in full force and effect and binding on the Parties.

18.19    Airtel will not be responsible to the Agent for any indirect, consequential or special damages arising from any act or omission by Airtel or any third party for whom Airtel is responsible and whether arising in contract or statute.

AIRTEL MONEY SERVICE AGREEMENT (TERMS AND CONDITIONS) 

1. AGREEMENT 

This Agreement contains the complete terms and conditions that govern your participation in, access or use of the Mobile (Electronic) Money Services (“Airtel Money”) described herein, the acceptance of which constitutes a binding contract between yourself and AIRTEL MOBILE COMMERCE UGANDA LIMITED (hereinafter referred to as “AMC Uganda”) the successor in business (Airtel Money Services) of Airtel Uganda Limited (the “MNO”). 

By accessing and or using the Airtel Money Service, you agree to abide by these terms and conditions and to be bound, together with your successors or permitted personal representatives and assigns, by these terms and conditions and any amendments therein (“Terms of Use”).

You, therefore, need to read and fully understand these Terms of Use. If you do not agree with the Terms of Use, you must not proceed to register for, access and or use the Airtel Money Services.

Information about us 

Airtel Mobile Commerce Uganda Limited (“AMC Uganda”) is a Private Limited Liability Company incorporated in Uganda under company registration number 80010003488648/123833, an affiliate of Airtel Uganda Limited, and a fully owned subsidiary of Airtel Africa plc. Following the enactment of the National Payment Systems Act Cap. 57, AMC Uganda took over the provision of Airtel Money Services from the MNO. AMC Uganda is licensed and regulated by the Bank of Uganda under Payment Systems Operator (Electronic Money Systems) Licence Number PSO 01/21 and Payment Service Provider (Class A) Licence Number PSP 01/21 issued on 6^th May 2021. Our registered address and principal place of business is at Airtel Towers, Plot 16A, Clement Hill Road, Nakasero. You may contact us on +256200202003 or at customerservice@ug.airtel.com or www.airtel.co.ug for more information about AMC Uganda, or dial our Customer Helpline 100 in case you have a complaint or need information about the Airtel Money Service.

2. DEFINITIONS

In these Terms of Use, the following terms and expressions shall, unless the context otherwise requires, have the following meanings: -

“Account” means a Customer’s Airtel Money Account, being the record maintained by us of the amount of E-Value held by the Customer and represented by an equivalent amount of cash held by designated Trustees in the Trust Account on the Customers’ behalf.

 “Agreement” means this Agreement that contains the Terms of Use together with the SIM Card Registration Form, Supplemental Agreements, Tariff Guides and schedules which may be varied by us from time to time.

 “Airtel Money Account” means a Customer’s Airtel Money Account, being the record maintained by us of the amount of E-Value held by the Customer and represented by an equivalent amount of cash held by designated Trustees in the Trust Account(s) on the Customer’s behalf;

 “Airtel Money Customer Terms of Use” means this Agreement that governs the relationship between AMC Uganda and its Customers in connection with the Airtel Money Services, as may be varied by AMC Uganda from time to time.

 “Airtel Money Agent” means a person appointed and registered by us to provide Airtel Money Services.

 "AMC Uganda” or "we" or "us" or “our” means Airtel Mobile Commerce Uganda Limited, whose registered address  is at Airtel Towers, Plot 16A, Clement Hill Road, P. O. Box 6771, Kampala, Uganda, and holder of a Payment Systems Operator (Electronic Money Systems) Licence and a Payment Service Provider (Class A) Licence issued by the Bank of Uganda.

 “Airtel Money Balance” means the amount of E-Value from time to time standing to the credit of your Account.

 “Airtel Money Instructions” means instructions given via SMS/USSD/Airtel Money App to the Airtel Money System for the transfer of E-Value from one Customer to another or otherwise to effect an Airtel Money Transaction.

 “Airtel Money Merchant” means a seller of Goods and/or Services who accepts E-Value in payment for such Goods and/or Services.

 “Airtel Money Services” means the services provided by us for the issue and redemption of E-Value and the transfer of E-Value between Customers on the basis of Airtel Money Instructions including the recording of all Airtel Money Transactions, verifying and confirming all Airtel Money Transactions concluded and updating Customer Account records.

 “Airtel Money System” or “Airtel Money” means the system operated by us providing the Airtel Money Services.

 “Airtel Money Trademarks and Trade Names” means the Airtel Money name and Logo belonging to us.

 “Airtel Money Transactions” means any transaction which results in the Customer’s Account being credited or debited with E-Value and includes any of the transactions specified in Clause 4 hereof.

 “Airtel Money User Guide” means the document describing the Airtel Money System and its use.

 “Airtel Money App” means AMC Uganda’s self-care application, available to both Android and iOS Mobile Phone users, through which an Airtel Money Customer can access the Airtel Money System to carryout Transactions.

 “Bank Airtel Money Instruction” means an Airtel Money Instruction authorizing and instructing a Bank connected to the Airtel Money System to debit from your Bank Account held at such Bank and credit the Trust Account with a specified amount for the purchase of an equivalent amount of E-Value to be credited to your Account.

 “Cash” means the lawful currency of the Republic of Uganda;

 “Cash-in Transaction” means the process of paying cash to an Airtel Money Agent for the purchase E-Value to be credited to your Account.

 “Cash-out Transaction” means the process of redeeming E-Value from your Account for cash from an Airtel Money Agent.

 “Confirmation SMS” means an SMS containing a summary of the transaction details which is delivered to both the Originating Party and the Recipient upon successful conclusion of the relevant Airtel Money Transaction.

 “Credit Balance” means the amount of E-Value from time to time standing to the credit of your Account.

  “Credit Transaction” means any transaction which results in your Account being credited with E-Value.

 “Customer” or “you” means an Airtel Money Subscriber and every other person (including natural or legal persons or recognized business association) in whose name an Account for the Airtel Money Service is registered.

 “Commencement Date” means the date when you activate Airtel Money on your SIM Card or the date when the Terms of Use come into effect as detailed herein;

 “Debit” means the movement of E-Value out of your Airtel Money Account.

 “Customer Service Centre(s)” means our Service Centers whose contact details are specified in our User Guide.

 “Debit Transaction” means a transaction which results in a Debit of E-Value from your Account as verified by the Airtel Money System.

 “Designated Payee” means any person (including yourself, another customer, an Agent or an Authorized Retailer) who is designated by you by SMS, to be the recipient of E-Value from your Account.

 “Default PIN” means the 4-digit PIN Code issued to you upon registration to be used once for the purposes of activating your Account, and which for security purposes you must change to a PIN immediately thereafter.

 “E-Money” means the electronic monetary value depicted in your Airtel Money Account representing an equal amount of Cash held in the Trust Account and which may be redeemed through an Airtel Money Agent for an equal amount of Cash;

 “E-Value” means the electronic value recorded in a Customer’s Account, such electronic value representing that Customer’s entitlement to an equivalent amount of the Cash amount held in the Trust Account.

 “Fees” means the Transaction Fees and other charges payable under this Agreement for the Airtel Money Services.

 “Goods and/or Services” means such goods and/or services as may be purchased from Airtel Money Merchants using E-Value and the Airtel Money System.

 “Inactive” means, in relation to a SIM Card, that services for which it is enabled have not been conducted through it for a period of Ninety (90) consecutive days.

 “Licence” means a Licence, including any amendments to, renewal or replacement of such Licence, granted to us by the Central Bank of Uganda in terms of the National Payment Systems Act Cap 59 to operate Electronic Money Payment Systems and provide Payment (Electronic Money Issuance) Services within the Republic of Uganda.

 “MNO” means Mobile Network Operator or Airtel Uganda Limited with whom AMC Uganda has partnered to provide the Airtel Money Service through its nationwide telecommunications network.

 “MNO Network” means the Global System for Mobile Communications (GSM) or Telecommunications Network operated by, our affiliate, Airtel Uganda Limited (the MNO), which is a licensed National Telecommunications Operator (NTO) in the Republic of Uganda, from whom we took over the Airtel Money business pursuant to the Act, and with whom we have partnered to provide the Airtel Money Service over its GSM Network.

 “Mobile Equipment” means your Mobile Phone and SIM Card and/or other equipment which when used together enables access to the Airtel Money Services.

 “Mobile Phone” means your Mobile Phone Handset.

 “MSISDN” means the Mobile Subscriber Integrated Services Digital Network Number issued to you with the SIM Card and corresponding identity number and PUK for accessing the MNO Network.

 “National Payment Systems Act” or the “Act” means the National Payment Systems Act, Cap 59.

 “Nick-name” means a unique 3-7-character name to be used to protect the Customer’s privacy and enhance security. The Customer can create and change the Nick-name any time.

 “NIN” means your National Identification Number as indicated in your National Identification Card;

 “Originating Party” means a Customer or Airtel Money Agent who initiates an Airtel Money Transaction whereby E-Value is transferred to a Recipient.

 “Payment” means money paid to an Airtel Money Agent for the purchase of an equivalent amount of E-Value credited to your Account.

 “PIN” means a 4-digit personal identification number being the secret code you choose to access and operate your Account.

 “Pre-paid Airtime” means mobile phone calling credit on the MNO Network;

 “Recipient” means a Customer or an Airtel Money Agent designated by the Originating Party to receive E-Value.

 “Registration Form” means the structured Registration Form filled and submitted by you for purposes of registering for the SIM Card, MNO Network Services or Airtel Money Services, which contains your personal data and registration details and acceptance of these Terms of Use by you.

 “Regulatory Authority” means the Central Bank of Uganda, Uganda Communications Commission or any other relevant Regulatory Authority and their respective legal successors from time to time.

“Service” or “Services” refers to Airtel Money Services and any other related services that we agree to make available to you from time to time.

“SIM Card” means the Subscriber Identity Module which when used with the appropriate Mobile Equipment enables you to use the Airtel Money Services.

“SMS” means a Short Message Service consisting of a text message transmitted from one MSISDN to another over the signalling channels of the MNO Network.

“Tariff Guide” means the document setting out the Transaction Fees payable for use of the Airtel Money Services as published in our Service Centres, Agents’ outlets and our website at https://www.airtel.co.ug/ and updated from time to time.

“Terms of Use” means the terms and conditions contained in this Agreement as may be varied by us from time to time.

“Transaction” means any transaction which results in the Customer’s Account being credited or debited with E-Value and includes any of the transactions specified herein.

“Transaction Fees” means the actual charges payable by you for use of the Airtel Money Services as published from time to time in the Tariff Guide or on our website specified herein.

“Transaction ID” means the unique receipt number issued with each Airtel Money Transaction which is used to track and identify all Airtel Money Transactions carried out on your Account.

“Trust” means the “Airtel Money Trust Fund”, a body corporate, comprised of persons (Trustees) vetted and approved by the Bank of Uganda to manage the Trust Account(s).

“Trust Account” means the Bank Account maintained by us in a Commercial Bank in accordance with the Act, into which all Payments are made and managed by the Trustees on behalf of Airtel Money Customers.

“Trust Deed” means the Declaration of Trust and any subsequent amendment deeds executed by the Trustee constituting the trust under which the Trustee manages all amounts of cash received for your account in trust for you upon the terms and conditions therein specified.

“Trustee(s)” means a person(s) vetted and approved by the Bank of Uganda, to manage the Trust Account jointly as a Board of Trustees.

“USSD” means Unstructured Supplementary Service Data a technology built into the GSM standard for support of transmitting information over the signalling channels of the MNO Network.

“you” means the Customer.

"we" or "us" or “our” refers to Airtel Mobile Commence Uganda Limited.

3. OPENING AND MAINTAINING AN AIRTEL MONEY ACCOUNT

3.1     The Airtel Money Service is available to any registered subscriber of the MNO, mobile phone user that is connected to the MNO Network in Uganda with an active and registered SIM Card of the MNO or other authorized access.

3.2    You may apply for registration of only One (1) Airtel Money Account on any active SIM Card. You must have an Airtel Money enabled SIM Card via which you may access the Airtel Money Platform or Service through the MNO Network. If your SIM Card is not enabled to access the Airtel Money Service, you may swap it at a nominal fee as you shall be advised, for one that is enabled.

3.3     You may register for the Airtel Money Services with the MNO or at any of our or MNO’s service centres or with any our authorized Airtel Money Agents, by checking the relevant box (on the SIM Card Registration Form) as an expression of your desire, consent or agreement to register for and or use Airtel Money Services provided over the SIM Card.

3.4     At the time of submitting the Registration Form you will be required to provide your Airtel Mobile Phone Number (MSISDN), full name, photograph, NIN, ID Number, physical residential address, physical business address (if any), date of birth, nationality, gender, and such other Know Your Customer (KYC) information as shall be requested by us in accordance with the applicable laws or directives.

3.5     Copies of your ID and photograph may be retained by the SIM Card Registration Agent facilitating your registration.

3.6     By activating an Airtel Money Account you authorize us to access, use or process your personal information which you submitted to the MNO when registering for the SIM Card, to register you for Airtel Money Services. 

3.7     All information provided must be true, correct, complete and accurate in all respects. You must not provide any false, inaccurate, incomplete or misleading information.

3.8     You are responsible for ensuring that your registration details are maintained up to date.

3.9     Your application including the Registration Form shall be reviewed by us or our authorized Agent to ensure that all mandatory fields are completed and will verify your Identification Documents and take photocopies of the Identification Documents submitted.

3.10   We may decline your application at our sole discretion.

3.11   We may refuse to open an Account for you if we are not satisfied with proof   of your identity or if any of the account opening requirements are not met.

3.12   We reserve the right to carryout enhanced due diligence or to request further information pertaining to your account at any time failure to which may result in limitation on usage of the Airtel Money Service, suspension or termination of the Account.

3.13   Upon successful registration for Airtel Money Services you will be provided with a Default PIN and receive a welcome SMS confirming successful creation of your Account.

3.14   Once you activate your Account by the input of your Default PIN you will be required to choose a secret PIN after which you will be entitled to use the Airtel Money Services by effecting a Payment.

3.15   Subject to AMC Uganda’s due diligence and vetting, you may obtain an official statement of your Airtel Money Account from any of our authorized channels for which you may be charged a fee. An official statement of account shall be conclusive evidence of the Transactions carried out on your Airtel Money Account during the period covered in the statement.

3.16   For the avoidance of doubt, AMC Uganda shall not be obliged to adduce evidence in any civil or criminal court in relation to the contents of any statement obtained from AMC Uganda authorized channels pursuant to the above clause.

4. THE AIRTEL MONEY SERVICE

4.1     AMC Uganda operates the Airtel Money mobile money transfer service that allows you to send and receive money through your registered SIM Card or MSISDN assigned to you by the MNO.

4.2     Airtel Money is available to all subscribers of the MNO Network upon registration for the SIM Card. Holders of SIM Cards on other Networks may have limited range of functionality.

4.3     You may register for an Airtel Money Account with the MNO, SIM Card Selling outlet or Airtel Money Agent by ticking the relevant box on the SIM Card Registration Form.

4.4     AMC Uganda may in its absolute discretion restrict or limit the number of Airtel Money Accounts you may operate at any one time.

4.5     AMC Uganda may in its absolute discretion refuse to register or revoke the registration of any person on the Airtel Money System.

4.6     You may acquire E-Money in your Airtel Money Account by depositing Cash at an Airtel Money Agent outlet or receiving a remittance of E-Money from another Airtel Money Customer, through an international money remittance from a participating remittance service provider or through any other acceptable means that AMC Uganda may provide.

4.7     All Transactions shall be denominated in Uganda Shillings. The Airtel Money System may not recognize any monetary value depicted as cents. You hereby agree to round off any Transaction value to the nearest Uganda Shilling.

4.8     Your Cash represented as E-Money is held in trust for you in the Trust Account by virtue of a Trust Deed signed between AMC Uganda and the Board of Trustees of the Trust (the “Trustees”). By participating in and/or continuing to use the Airtel Money Service you acknowledge the sufficiency of the Trust Deed as creating a valid Trust over funds held in the Trust Account on your behalf upon the terms therein specified.

4.9     You acknowledge that the Trustees may treat the records of the Airtel Money System as conclusive evidence of the amount of E-Money at any time standing to the credit of your Account and the Trustees are not bound to make any independent investigation of your beneficial entitlement to the Cash held in trust.

4.10   Subject to the prescribed Transaction Limits and the provisions of these Terms of Use, the balance of your Airtel Money Account is redeemable at any time and shall be disposed of only in accordance with your instructions given via the Airtel Money System.

4.11   You acknowledge that Airtel Money is neither a bank nor a deposit-taking institution within the meaning of the Financial Institutions Act Cap 57.

4.12   All charges applicable to the Airtel Money Service are set out in the Tariff Guide available at our Customer Service Centres, Airtel Money Agent outlets, on our website or as we may publish from time to time, subject to change at any time at our sole discretion.

4.14   The Airtel Money Services shall be made available to you subject to these Terms of Use and the following conditions: -

4.14.1 Whilst we will endeavour to ensure that you are able to access the Airtel Money Services, we do not guarantee that the Airtel Money Services will be available at all times, and we will not be held responsible or liable in any way for any loss whatsoever or howsoever arising as a consequence of any non-availability of the Airtel Money Services. By accepting these Terms of Use you acknowledge that the Airtel Money Services are not fault free and that there are certain circumstances and factors including (but not limited to) acts of God, geographical topography, weather conditions, maintenance or rectification work on the Airtel Money Platform which may interfere adversely with the quality and provision of the Airtel Money Services.

4.14.2 In the event of damage to or loss or theft of your SIM Card, you are obliged to inform us immediately of such damage, loss or theft by calling our Customer Service Centre. We will then suspend your Airtel Money Account in order to prevent further use of the Airtel Money Services until such time as the same has been replaced or repaired. You will be held responsible for all Fees and Airtel Money Transactions effected up to the time of receipt by us of your notification of the damage, loss or theft and you hereby indemnify us against any claims made in respect of any Airtel Money Transactions effected using your Mobile Phone and/or SIM Card prior to such notification being received by us.

4.14.3 The confidentiality of your Airtel Money Transactions is not guaranteed. You are advised that for reasons beyond our control, there is a risk that your information may be unlawfully intercepted or accessed by individuals other than the intended recipient. We cannot and will not accept any liability for any loss, injury or damage whether direct or consequential arising out of any such compromise of confidentiality.

4.14.4 You accept and confirm that we may disclose and/or receive and/or record any details of your use of the Services including but not limited to your transactional records or your personal information or documents obtained from you for the purposes below: -

(a) fraud prevention and law enforcement;

(b) for reasonable commercial purposes connected to your use of the Airtel Money Service, such as marketing and research related activities;

(c) use in our telephone directory enquiry service in printed or electronic format;

(d) to comply with any legal, governmental or regulatory requirement or an order of a court of law;

(e) for use by our lawyers in connection with any legal proceedings;

(f) in business practices including but not limited to quality control, training, audit and ensuring effective systems.

4.14.5 You accept and confirm that we may disclose and/or receive personal information or documents about you with respect to details of your use of the services including but not limited to your Transactions, emails, SMS’s, data, your personal information or documents obtained from you for the purposes below: -

(a) use by any local and international law enforcement or any competent regulatory or governmental agencies to assist in the prevention, detection or prosecution of criminal activities or fraud;

(b) use by our service providers, authorized agents, or any other company that may be or become our subsidiary, parent company or partner, for reasonable commercial purposes connected to your use of the Airtel Money Services, such as marketing and research related purposes;

(c) to facilitate our ability to carry out any activity in connection with a legal, governmental or regulatory requirement or an order of a court of law;

(d) use by our lawyers, auditors or other professional advisors or to any court or arbitration in connection with any legal proceedings.

(e) You must comply with any instructions that we may give you from time to time in connection with the Airtel Money Services.

(f) Your transactions may be monitored or recorded for use in business practices such as quality control, training, ensuring effective systems operation, prevention of unauthorized use of the MNO Network or Airtel Money Platform and detection and prevention of crime.

5. ACCEPTANCE AND COMMENCEMENT OF TERMS OF USE

5.1     You are deemed to have accepted these Terms of Use as may be amended from time to time and which take effect upon: -

(a) submission of your Registration Form to us, the MNO or our authorised agent; or

(b) initial activation of your Airtel Money Account by use of your Default PIN.

(c) Use or continued use of Airtel Money Services.

5.2     These Terms of Use shall remain in force unless terminated in accordance with the provisions herein.

6. SUSPENSION, DISCONNECTION, TERMINATION & CLOSURE OF ACCOUNT & SERVICES

6.1     We may suspend, bar, restrict or terminate the provision of the Airtel Money Services (in part or in whole) and/or close your Account without any liability whatsoever and without notification to you in the following circumstances: -

6.1.1   if you are declared to be bankrupt or insolvent or otherwise unable to pay your debts as and when they fall due or upon the filing of any application or proceeding (whether voluntary or involuntary) for winding-up, bankruptcy, insolvency or relief from creditors;

6.1.2   if we are aware or have reason to believe that your Account, Mobile Equipment, MSISDN or PIN used in connection with the Airtel Money Services is/are being used in an unauthorized, unlawful, improper or fraudulent manner or for criminal activities (or has been so used previously);

6.1.3   if any law enforcement or other competent regulatory or governmental agency or authority initiates an investigation or other regulatory or enforcement proceedings against you or for any other reason which, in our reasonable judgment will cast doubt on our business reputation;

6.1.4   if you do not comply with any of the conditions, regulations or instructions relating to the use of the Airtel Money Services including if you notify us that any of your Mobile Equipment has been lost or stolen or your PIN has been lost or disclosed to any other person;

6.1.5   upon receipt of your request to close your Airtel Money Account;

6.1.6   if you do or permit to be done anything with your Account, SIM Card, MSISDN, PIN or Mobile Equipment which we think may damage or affect the operation or security of the Airtel Money Platform or the Airtel Money Services;

6.1.7   if your Account or SIM Card becomes Inactive.

6.1.8   If you do not comply with any of the conditions relating to any part of the Services;

6.1.9   If a material misrepresentation is discovered in the information you provided at the time of registration for the services or if you fail to update your personal information in accordance with the law;

6.1.10 During technical failures, modifications, maintenance of the Network etc.;

6.1.11 For reasons beyond our control.

6.2     Notwithstanding anything contained herein, we may at our discretion and without prior notification, discontinue the provision of the Services or any part thereof without incurring any liability to you.

6.3     Where the Airtel Money Services have been suspended, disconnected or terminated or where your Account has been closed, any Balance standing to the credit of your Account will be repaid to you in cash upon you presenting yourself at the Customer Care Centre and only after production of satisfactory evidence of your identity.

6.4     We will not be responsible or liable to you in any way for any direct, indirect, consequential or special loss or damages arising from any act or omission by us or any third party for whom we are responsible, whether arising in contract, or statute, if we close or suspend your Account pursuant to this Clause 6.

6.5     You may terminate this Agreement, upon giving us one (1) months’ notice    in writing;

6.6     You shall not bring any claim against us as a result of termination of the Services and the termination of the Services shall not prejudice any rights           that may have accrued to either party prior to the termination;

6.7     Notwithstanding any other provision contained herein, the Agreement will automatically determine if either Party becomes insolvent, is declared bankrupt, is wound up or otherwise ceases to exist, or commits a fundamental breach of these terms and conditions.

6.8     No Party shall bring any claim against the other as a result of termination of the Service Agreement except that the termination of the Agreement shall           not prejudice any rights that may have accrued to either Party prior to the termination.

6.9     Termination shall not affect any provision of this Agreement expressed or which by implication is to have effect after    termination, or any other rights either Party may have against the other Party subsisting at the time of termination;

7. TRANSACTION FEES

7.1     The Tariff Guide that stipulates the Transaction Fees payable for Airtel Money Services is available at our Customer Service Centres, authorized Airtel Money Agents outlets as well as our website.

7.2     Transaction Fees as published from time to time in the Tariff Guide are payable to us for each Transaction effected from your Account and will be deducted automatically from your Account by us on your conclusion of each Airtel Money Transaction. You will receive a Confirmation SMS containing a summary of the Airtel Money Transaction concluded and details of the new balance in your Account.

7.3     Any Airtel Money Transaction involving a redemption of E-Value from your Account in exchange for a corresponding payment of cash into a Bank Account shall be subject to such additional fees or charges (the “Bank Charges”) as may be specified from time to time by the relevant Bank [with whom the said Bank Account is held and such Bank Charges will be deducted in a manner similar to the Transaction Fees and paid to the said Bank].

7.4     Transaction Fees include Value Added Tax but are subject to other applicable levies and taxes at the prevailing rates.

8. AIRTEL MONEY TRANSACTIONS

8.1     Your Airtel Money Account will be credited when you purchase E-Value or when E-Value is transferred to your Account by another Customer.

8.2     All Debit Transactions will be effected by Airtel Money Instructions authorized with the PIN or by such other method we may prescribe from time to time.

8.3     You may not effect any Airtel Money Transactions if you do not have sufficient E-Value in your Account to meet the value of the Transaction and all applicable Fees in respect thereof; if you have reached the maximum Account balance limit prescribed by AMC Uganda; if you have reached the daily limit prescribed by AMC Uganda; if your Account has been temporarily suspended or permanently frozen on valid grounds; or if there are any other compelling reasons such as temporary system delay or outage.

8.4     After successful registration of your Account, you will be able to effect the following transactions: - 

8.4.1   Load E-Money through an authorized Airtel Money Agent or outlet. You may deposit E-Money into your Airtel Money Account only and not directly into another Airtel Money Customer’s Account. In order to load E-Money, you must complete the information requested, including passing the identity and security validation and verification procedures to ascertain that you are the owner of the Account and then hand over the Cash equivalent to the E-Money sought to be loaded to the Airtel Money Agent. After handing over the Cash to the Airtel Money Agent, you must ensure that you sign the Log Book which will serve as conclusive evidence that you have successfully completed the deposit Transaction. 

8.4.2   Effect a Credit Transaction by receiving a Payment or inbound credit transfer. The Airtel Money System will credit your Account accordingly. 

8.4.3   Effect a Debit Transaction by sending Airtel Money Instructions for: - 

(a) The redemption of E-Value from your Account for cash at any authorised Agent’s premises;

(b) The transfer of E-Value from your Account to another Customer’s Account [using either their phone number or Nick-name] and specifying the amount to be transferred.

(c) The purchase of Pre-paid Airtime using E-Value from your Account either for yourself or for another Customer.

(d) The redemption of E-Value from your Account for the credit of an equivalent amount of money to any bank account compatible with Airtel Money.

(e) Pay utility bills or make one-off or periodic payments or remittances to participating utility providers, financial institutions, charity organizations, etc ;

(f) The purchase of Goods and/or Services from Airtel Money Merchants by transferring E-Value from your Account to the Airtel Money Merchant’s Account in settlement of the Goods and/or Services purchased.

 8.4.4   Perform any other Transactions as may be introduced by AMC Uganda or its partners from time to time.

 8.4.5   AMC Uganda reserves the right to prescribe Transaction Limits and may allocate some Airtel Money Accounts with higher limits subject to the law or regulatory approval.

 8.4.6   AMC Uganda does not warrant that all functionalities shall be available at all times and may withdraw any functionality or the Airtel Money Service in general as a direct result of new or amended legislation, statutory instrument, Government regulations or policy or any other compelling reason.

 8.4.7   AMC Uganda may provide additional functionality on the Airtel Money menu following integration with platforms of financial institutions and other entities providing you with specified services. Such functionality may give you limited access to platforms of the financial institutions or other entities. By using such functionality to gain access to other platforms, you hereby agree to indemnify AMC Uganda against, and hold AMC Uganda harmless from any losses arising from your access to such external platforms.

 8.4.8   In the event of any review of our business planning, technical, public interest or operational reasons, changes within the industry, recommendations from regulatory bodies or similar events, AMC Uganda may vary these Terms and Conditions or policies affecting usage and shall notify you of such changes through appropriate means. Your continued use of the Airtel Money Service shall be deemed to be your acceptance of all such varied terms and conditions or polices.

 8.5     After successful registration of your Account, you will also be able to use          Airtel Money to: -

 8.5.1   Request Activity Reports;

 8.5.2   Check the balance of your Account and your bank account [if compatible with Airtel Money;

 8.5.3   Change your PIN and Nick-name.

 8.6     After the successful conclusion of each Airtel Money Transaction both the Recipient and the Originating Party will receive a Confirmation SMS containing a unique Transaction ID and an updated balance of their respective Accounts and/or bank account. The Airtel Money System records will be taken as correct unless the contrary is proved.

8.7     Any Debit Transaction given using the PIN will be charged to your Account. You acknowledge that, unless and until AMC Uganda receives notice from you that your PIN is no longer secure and/or that your Mobile Equipment has been lost or stolen, we may rely on the use of the PIN as conclusive evidence that a Debit Transaction has been authorized by you, even if it is actually made without your authority. We will not require any written confirmation of any Airtel Money Instruction.

8.8     It is your responsibility to verify the accuracy of all information entered in connection with Airtel Money Instructions (including, but not limited to, the transaction amount, Nick-name, and Recipient’s phone number, name, bank account number and branch code) before sending the execution command for an Airtel Money Transaction to the Airtel Money System. 

8.9     A Transaction once completed is final and irrevocable, and AMC Uganda shall not be under any compulsion to reverse any Transaction. Airtel Money will not be able to reverse or charge-back any Airtel Money Instruction for any reason, including in the event of any dispute with any other Customer or Airtel Money Agent or other person or between the Originating Party and Recipient. You alone will be responsible for settling all such disputes without recourse to us.

8.10   Notwithstanding the import of the foregoing clause, AMC Uganda reserves the right, at its sole discretion, to cancel or reverse a Transaction if reasonable grounds such as manifest error or fraud are shown and PROVIDED that the recipient has not redeemed the E-Money and the reversal claim is made within one (1) month of the erroneous Transaction date.

8.11   AMC Uganda will not be compelled to refund or compensate the sender if the E-Money is sent to a recipient mistakenly or in error or fraudulently or under duress and subsequently redeemed for Cash or otherwise spent by the recipient of the mistaken, erroneous or fraudulent Transaction and you hereby agree to hold AMC Uganda harmless for any losses arising from a mistaken, erroneous or fraudulent transfer of funds or any transfer of funds from your account effected under duress or under coercion or criminal force.

8.12   If you receive funds in error, you acknowledge that you shall be obliged to return the funds to the sender failing which AMC Uganda may reverse the payment to the sender. You may be liable to face prosecution for consuming or utilizing funds sent to you in error.

9. SECURITY AND UNAUTHORISED USE

9.1     Only one PIN can be linked to your Account at any one time.

9.2     Only you may use your Account, Mobile Equipment, Nick-name and PIN.

9.3     You are responsible for keeping your Default PIN, PIN and Nick-name safe, secret and secure, and for proper use of your Mobile Phone and all Airtel Money Transactions in connection with your Account using your PIN.

9.4     Whilst you may be required to identify yourself using your Nick-name, you must not disclose your PIN to any person including the staff at the Customer Service Centres.

10. CUSTOMER RESPONSIBILITIES

10.1   You will be responsible for all applicable fees for any Airtel Money Transactions effected using your PIN, including Transactions made using the Account whether those Transactions were initiated by you or by someone else with or without your authority or knowledge, and for all applicable fees and Bank Charges.

10.2   You are solely responsible for all transmitted material and/or communication which may be classified as defamatory, illegal or in breach of any copyright and you will indemnity and keep us indemnified against all claims made against us is respect thereof and any liability or expenses incurred or suffered by us as a result thereof.

10.3   You must not use the Airtel Money Services to commit any offence.

11. OUR RESPONSIBILITY

11.1   We hereby declare that all Payments [and other monies received into the Trust Account(s) with respect to the purchase of E-Value credited to your Account (the “Trust Sums”) are held by the Airtel Money Trust Fund in trust for you and for your benefit such that you shall be beneficially entitled to all those Trust Sums equivalent to the balance standing to the credit of your Account. You agree that we may treat the records of the Airtel Money System, as conclusive evidence of the amount of E-Value at any time standing to the credit of your Account and neither us nor the Trustees are bound to make any independent investigation of your beneficial entitlement to the Trust Sums. You further acknowledge that, in relation to any payment to you in respect of your entitlement to Trust Sums, we or the Trustees may act on instructions given by you using your PIN, or instructions purported to be given by you using your PIN, even if they are actually given by a third party.

11.2   You acknowledge that we have an obligation to invest the Trust in accordance with the Act and the directives of Bank of Uganda. You further acknowledge that, to the extent that any interest accrues on the Trust Sums, we are entitled to retain or use a portion of the interest in accordance with the provisions the guidelines issued by Ban of Uganda pursuant to the of National Payment Systems Act Cap 59.

12. LIABILITY AND EXCLUSIONS

12.1   In the event that it becomes necessary to change or reassign your telecommunications numbering to meet regulatory requirements or for any other reason our liability will be limited to retaining your Account and where possible, transferring your Account to a new MSISDN, failing which you will be paid the balance standing to the credit of your Account in cash.

12.2   To the maximum extent permissible by law we exclude warranties of all kinds, either express or implied.

12.3   To the fullest extent permissible by law, we shall be not liable for any costs, loss, liability or damage whether direct, special or consequential, howsoever and whensoever arising out of our supply of, or failure to supply, the Services and you shall indemnify and keep us indemnified at all times against any and all costs, expenses, actions, claims, demands and damages howsoever and whensoever arising as a result of the use of the Equipment or SIM Card by you or anybody else.

12.4   We shall not be responsible or liable for any failure to perform our obligations herein where such failures are caused by Acts of God, Acts of Government, strikes or labour disputes, fire, flood, lightening, pandemic/epidemic or other failures of sub-contractors or suppliers or any cause or causes (where not or of a like nature) beyond our reasonable control.

12.5   We will not be liable in contract, tort (including negligence) or otherwise for any costs, loss, liability or damage whether direct, special, incidental or consequential arising out of the supply of the Service or failure to supply the Service including but not limited to loss of profits, business, anticipated savings or data or for wasted expenditure;

12.6   All our authorized distributors and agents are independent outlets authorized by us to provide Airtel Money Services and no agency relationship in legal terms exists between us and the said Distributors/agents and we accordingly bear no responsibility or liability for any default or negligence on their part in providing the Airtel Money Services.

12.7   We are not liable for any loss which you may suffer unless it is directly caused by our proven negligence or by us deliberately acting wrongly. If we do not act negligently or wrongly, we will only be liable for the amount of the loss a normal Customer in your position would have suffered and not any loss resulting from your particular circumstances; even if we know that your circumstances are unusual.

13. VARIATIONS

13.1   We reserve the right to vary at any time and without prior notice to you these Terms of Use and/or the Fees. Variations will be notified by way of advertisement in a daily newspaper, SMS, or on our website and/or by using any other suitable means AND you shall be deemed to have been notified of any such variations even if the same may not have actually come to your attention.

13.2   By continuing to use the Airtel Money Services you shall be deemed to have agreed to the variations contemplated in the Clause above. If you do not accept any such variations then you must not effect any Airtel Money Instructions otherwise you will be deemed to have accepted such variations.

14. MISCELLANEOUS

14.1   This Agreement (as from time to time amended) constitutes a legally binding agreement binding on you and your successors or personal representatives and assigns.

14.2   This Agreement may not be assigned to any other person.

14.3   No failure or delay by either us or the Customer 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.

14.4   If any provision of these Terms of Use 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 and all provisions not so affected by such invalidity or unenforceability shall remain in full force and effect.

15. REPORTS AND STATEMENTS

15.1   You may request the following Airtel Money activity reports (“Activity Reports”) using your Mobile Equipment: -

15.1.1 Your Account’s current balance;

15.1.2 Details of the last 2 (two) Airtel Money Transactions initiated from your Mobile Equipment;

15.1.3 The current status of an Airtel Money Transaction initiated from your Mobile Equipment;

15.1.4 Details of the previous day’s Airtel Money Transactions initiated from your Mobile Equipment;

15.1.5 A summary of the Airtel Money Transactions initiated from your Mobile Equipment on a particular day;

15.1.6 A summary of the Airtel Money Transactions initiated from your Mobile Equipment during the last month.

15.2   Activity Reports will not be sent in printed format but may be delivered to you either by SMS or by email at your option.

16. FAILURE OR MALFUNCTION OF EQUIPMENT

We shall not be responsible for any loss arising from any network failure, malfunction, or delay in any Airtel Money Platform, MNO Network, mobile phones, the internet or terminals or any supporting or shared networks, resulting from circumstances beyond our reasonable control.

17. CONFIDENTIALITY, DISCLOSURE AND DATA RETENTION

17.1     Both Parties undertake to keep confidential the provisions of these Terms of Use, all confidential information agreed by the Parties as being confidential as well as any information disclosed in the course of use of the Services and that either Party shall use such information only to the extent necessary to perform the obligations in terms of these terms or as may be required by law.

17.2     You hereby expressly consent and authorize AMC Uganda to disclose any Transaction data or information pertaining to your Airtel Money Account to any law enforcement, investigative or regulatory authority including without limitation the Uganda Police, Central Bank of Uganda, Uganda Communications Commission (UCC), Financial Intelligence Authority (FIA), Inspectorate of Government (IGG), Uganda Revenue Authority (URA) or any competent authority for the purposes of any genuine enquiry or investigation or to any third party to which you have separately, either in writing or electronically through the Airtel Money System or otherwise, authorized AMC Uganda to disclose Transaction data or information pertaining to you or your usage of AMC Uganda’s Products and Services, including your Airtel Money Account, provided that any consent given to AMC Uganda to disclose information to any third party (not being a law enforcement, investigative or regulatory authority) pursuant to this clause may be withdrawn at any time.

17.3     You acknowledge that where your Account is determined by a competent judicial authority as containing proceeds of any criminal or money laundering activities, AMC Uganda may be required by law to surrender funds in your Account to any statutory fund created for the purpose of recovering the proceeds of crime.

17.4     AMC Uganda will report any suspicious activity on your Airtel Money Account to the Financial Intelligence Authority (FIA) or other relevant law enforcement authority.

17.5     You acknowledge that AMC Uganda may retain your Transaction data for a period of up to Ten (10) years or as may be required by any law or regulation.

18. RIGHT OF SET-OFF

We shall have the right to set-off any sums owed by it to the Agent pursuant to the terms of this Agreement against any sums due and owing by the Agent whether pursuant to the terms of this Agreement or otherwise.

19. DISPUTE RESOLUTION AND JUSRISDICTION

19.1   These Terms of Use are subject to and governed by the Laws of Uganda.

19.2   The Parties shall endeavour to settle any dispute arising out of the execution of these Terms or their construction by discussion and negotiation.

19.3   Save as may otherwise be provided herein, all questions in dispute arising between the Parties and all claims or matters in such dispute not otherwise mutually settled between the Parties shall be referred to Arbitration by a single Arbitrator to be appointed by agreement between the parties or in default of such agreement within Thirty (30) days of the notification of a dispute, upon the application of either party, by the Executive Director for the time being of the Centre for Arbitration and Dispute Resolution (CADER).

19.4   Such Arbitration shall be conducted in Kampala in accordance with the provisions of the Arbitration and Conciliation Cap. 4 of the Laws of Uganda or its successor legislation and the regulations made thereunder or other Act(s), Regulations or Rules for the time being in force in Uganda in relation to Arbitration.

19.5   To the extent permissible by law, the determination of the Arbitrator shall be final, conclusive and binding upon the parties hereto.

20. GENERAL

20.1   You shall be responsible for all our expenses that may be incurred in recovering any amounts you owe us including legal fees, collection fees and tracing fees.

20.2   We will not be responsible to you for any indirect, consequential or special damages or losses arising from any act or omission by us or any third party for whom we are responsible and whether arising in contract or statute.

20.3   You must notify us immediately of any change of your SIM Card registration details submitted to the MNO.

20.4   You agree that your personal information or data, including your personal identification information, Airtel Money Transaction records or conversations with our Customer Service Centre representatives or authorized Agents  will be recorded and stored, for record keeping purposes, for a period of not less than Ten (10) years from the date of your last Transaction or from the date your Account is closed or such longer period as may be prescribed by law, regulatory authority or other authority.

20.5   All copyrights, trademarks and other intellectual property rights used as part of Airtel Money Services or contained in our documents are owned by us or our licensors. You agree that you acquire no rights thereto.

20.6   We are entitled to send information to you via SMS to the physical address or contact Mobile Phone number specified in your Registration Form

20.7   All notices, legal or otherwise, to us shall be sent at the following address, or such other address as we shall specify from time to time: The Managing Director, Airtel Mobile Commerce Uganda Limited, Airtel Towers, Plot 16A Clement Hill Road, P. O. Box 6771, Kampala, Uganda.

20.8   Notwithstanding anything herein contained, these Terms of Use are subject to the terms and conditions of the Licence(s) issued to us by the Central Bank of Uganda and any other Regulatory Authority, and any other law, statute or agreement in force or which may come into force and become applicable to or binding on us or you. If anything herein contained is irreconcilable or contradictory to our obligations under the aforesaid Licence(s) or law, or should you commit any act or omit to do things such that  we will be deemed to have contravened or be held to be in contravention of any term or condition of the Licence or should it contravene any term or condition of the Licence, we shall be entitled to claim for any loss incurred by way of penalty or otherwise, or in the case of material or substantial breach or contravention, terminate these Terms as is provided for  herein unless the contravention or inconsistency, or contradiction in question, can be remedied without us having to terminate the Services.

20.9   No failure or delay by either us or you 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.

20.10 Failure by either Party to enforce any rights under these Terms of Use shall be without prejudice to any available legal        remedies and does not imply any admission of liability on our part for any alleged breach. 

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

20.12 You are obliged to pay all our expenses in recovering any amounts you owe us including legal fees, collection fees and tracing fees.

20.13 For your own protection, you must keep confidential all personal identification or security numbers used in connection with the Services. The numbers/codes which we allow you to use in connection with the Services will remain our property at all times.

20.14 The intellectual property rights in the Service (including the software) (“IPR”) belongs to us or our Suppliers and is provided to the Subscriber, under licence, by us for proper use with the Services only.

20.15 Unless requested in writing and upon payment of the applicable charge by you or your duly authorised representative we do not provide Transaction information/history for Services provided.

20.16 If any provision of these Terms of Use 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 and all provisions not so affected by such invalidity or unenforceability shall remain in full force and effect.

20.17 Any notices in regard to any information that we may wish to send to you from time to time including but not limited to variations to these Terms of Use, modifications/variations to the Services or Service Charges, any promotions and other information will be through advertisement in a daily newspaper, SMS, our Website, and/or by using any other suitable means PROVIDED THAT you shall be deemed to have been duly notified regardless that the same may not have actually come to your attention.

20.18 This Agreement constitutes the entire agreement between the Parties and supersedes any previous agreement or relationship of whatever nature between the Parties in respect of the Agent Services or Airtel Money Services.  Subject to Clause 13, any variation of this Agreement shall be valid only if reduced to writing and signed by or on behalf of each Party.

20.19 Except where this Agreement provides otherwise, the rights and remedies contained in it are cumulative and not exclusive of any rights or remedies provided by law.  Failure or delay by AMC Uganda at any time to enforce any of the terms and conditions of this Agreement or its rights hereunder shall not constitute a waiver of such rights or of the right to enforce such terms and conditions subsequently at any time.

20.20 If any provision of this Agreement is declared by any judicial or other competent authority or by an arbitrator appointed hereunder to be void, voidable, illegal or otherwise unenforceable, the Parties shall amend that provision in such reasonable manner as achieves the intention of the Parties failing which the offending provisions shall be severed from this Agreement without affecting the remaining provisions of this Agreement which shall continue to remain in full force and effect and binding on the Parties.

21. DATA PROTECTION AND PRIVACY

21.1.   AMC Uganda recognizes the importance of protecting the privacy of all information provided by users of Airtel Money. This statement is meant to affirm our utmost respect for your rights to privacy.

21.2.   Airtel collects, directly or through the MNO or other agents, personally identifiable information that we use to profile Airtel Money Users and administer individual Airtel Money Accounts, update Airtel Money databases, and provide user support. You must not provide any false, inaccurate, incomplete or misleading information and warrants and undertake to comply with all obligations imposed under all known laws and regulations in particular but not limited to the National Payments Systems Act Cap. 57, the Anti-Money Laundering Act Cap.118, Uganda Communications Commission Act Cap. 103, the Registration of Persons Act Cap. 332, the Regulation of Interception of Communications Act Cap. 101, the Data Protection and Privacy Act Cap. 97, and all its subsidiary legislations thereunder.

21.3.   Save as provided hereunder, AMC Uganda does not share your personal information with unauthorized persons and adequate safeguards have been put in place to prevent unauthorized access and to ensure confidentiality of your personal information.

21.4.   You acknowledge that by using the Airtel Money Services, some of your personal information will be passed on to any person whom you receive E-Money from, or send E-Money to, and will be available to any third party involved in the operation of the service including without limitation, AMC Uganda’s affiliates including the MNO which provides the SIM Card or telecom network on which the Airtel Money Service is provided, Airtel Money Agents, Airtel Money Pay Merchants, Airtel’s Service Providers, AMC Uganda’s partners for products or services accessible through Airtel Money such as international money transfer, mobile loans and savings, utility payments, banks and ATM Switch providers. You hereby authorize AMC Uganda to share with, provide or disclose to third parties with which you have separately contracted or with which you intend to contract (and have informed AMC Uganda of this intention in writing or electronically through the Airtel Money System), your personal information including any Transaction data, information pertaining to you or your Airtel Money Account, or your usage of our Products and Services provided that the authority given to AMC Uganda to disclose information to such third parties (not being a law enforcement, investigative or regulatory authority) pursuant to this clause may be withdrawn at any time.

21.5.   You acknowledge that AMC Uganda may verify your identity information through publicly available and/or restricted government databases in order to comply with regulatory requirements.

21.6.   You accept that AMC Uganda shall have the right to monitor your account usage and may disclose personal information to law enforcement or investigative agencies or any competent regulatory or governmental agencies to assist in the prevention, detection or prosecution of money laundering activities, terrorism financing, fraud or other criminal activities, or in compliance with the law, regulatory directive, court order or for any other lawful cause.

21.7   You confirm that the information you provided for purposes of registration for the Services is true and correct, and you undertake to immediately update or inform us or our successor in title of any change in your personal data as and when the change arises.

21.8   You consent and hereby authorize us to access your personal informational, personal data, records, transactional history and other information, from our affiliate, the MNO, with which you registered the SIM Card that you are using to access Airtel Money Services or first signed up for Airtel Money Services.

21.9   You consent to the collection, use, storage and or processing (in or outside Uganda) of your personal data/information for purposes of registration for the Services (including all current and future Services) or Marketing or other business activities of AMC Uganda (and its affiliates) and or any other use/processing which is permissible under the Laws of Uganda.

21.10 AMC Uganda employees who handle personal information are under an obligation to treat it confidentially and may not disclose it to unauthorized third parties. AMC Uganda employees are also responsible for the internal security of the information. Employees who violate AMC Uganda’s privacy policies are subject to a range of disciplinary actions.

21.11 Any person submitting any information to AMC Uganda through the Airtel Money System may be granted access rights to that information. AMC Uganda has developed systems that enable access and correction of information submitted to it.

Please note that a summary of the Airtel Money Service terms and conditions is printed on the back of the customer registration and available at the Airtel Money Agents outlets, Airtel Service Centres, and the Airtel website located at www.airtel.co.ug/termCondition.

AMATEEKA AGAFUGA ENTAMBUZA YA SENTE EZIYITA KU SSIMU KU MUKUTU GWA AIRTEL

ENDAGAANO

Endagaano eno erimu amateeka n’obukwakkulizo, ebikufuga okwetaba mu kufuna oba okusindika ssente eziyita ku ssimu, ku mukutu ogwa Airtel emanyiddwa nga (“Airtel Money”), nga bwe galambikiddwa wano, era okukkiriziganya kuno kuli wakati wo n’aba AIRTEL MOBILE COMMERCE UGANDA LIMITED nga mu kiwandiiko kino kisalwako ne kiwandiikibwa nga “AMC Uganda”) ku lwa bizinensi ey’obuweereza bw’ensimbi eziyita ku ssimu obwa (Airtel Money Services) nga buno bwa Airtel Uganda Limited aba (“MNO”).

Bwokozesa enkola ya Airtel Money, kitegeeza nti okiriziganya kko n’okugoberera amateeka nti era gegakufuga. Nti era muyingidde mu ndagaano ggwe n’owa bizinensi oba n’omuntu akkirizibwa, era nti olina okutambulira ku biragiro bino n’ebyo byonna ebigenderako wano ekiyitiddwa (amateeka agagobererwa mu kukozesa).

N’olwekyo weetaaga okusoma amateeka gano agakufuga mu kukozesa enkola ya ssente eziyitira ku ssimu. Bw’oba tokkiriziganya n’amateeka gano, tolina kweyongerayo mu kwewandiisa, n’okweyambisa enkola y’okutambuza ssente eziyitira ku ssimu ku mukutu gwa Airtel.

Obubaka obutukwatako

Airtel Mobile Commerce Uganda Limited (“AMC Uganda”) kitongole kya bwannanyini ekisangibwa mu Uganda, nga kyawandiisibwa wansi w’ennamba 80010003488648/123833, era nga kikwatagana ne Airtel Uganda Limited, nga kitwalibwa aba Airtel Africa plc. Oluvannyuma lw’okuyisa etteeka erikwata ku by’entambuza ya ssente mu ggwanga, 2020, AMC Uganda n’eyeddiza obuvunaanyizibwa bwonna obw’enkola eya sente eziyita ku ssimu okuva ku MNO. AMC Uganda erina olukusa era erungamizibwa aba Bank of Uganda, wansi w’amateeka agafuga eby’ensimbi eziyitira ku masimu wansi w’ennamba ya layisinsi PSO 01/21 era ng’egwa mu (Class A) Licence Number PSP 01/21 ng’olukusa luno lwabaweebwa ng’ennaku z’omwezi 6 mu mwezi gw’okutaano, mu mwaka 2021. Ekifo wetusinziira okuddukanya omulimu guno ekikkirizibwa mu mateeka kisangibwa ku Airtel Towers, Plot 16A, Clement Hill Road, Nakasero. Osobola okututuukirira ng’okuba ku nnamba eno +256200202003 oba ng’oyita ku mukutu gwaffe ogwa customerservice@ug.airtel.com oba www.airtel.co.ug okusobola okumanya ebisingawo ku AMC Uganda, oba tukubireko ku nnamba yaffe kwetusinziira okuyamba ba kasitoma eya 100, ssinga oba olina okwemulugunya kwonna oba ng’olina obubaka bwonna bwe wandyetaaze okumanya ku bikwatagana ne Airtel Money Service. 2

2. AMAKULU G’EBIGAMBO EBIKOZESEDDWA

Mu kiwandiiko kino eky’amateeka n’obukwakkulizo, ebigambo bino wammanga bijja kubeera n’amakulu gano: -

“Akawunti” kitegeeza akawunti ya kasitooma eya Airtel, kwayisiza oba okufunira ssente, era ng’etuyamba okulondoola wamu n’okukuuma obulungi omuwendo gwa ssente kasitooma gwatuteresezza mu ku akawunti ye eyo.

“Endagaano” kitegeeza endagaano eno erimu amateeka n’obukwakkulizo ebyakkiriziganyizibwako ng’owandiisa ennamba y’essimu yo, amateeka amalala gonna agafuga enkola eno, amateeka agafuga ensimbi ezisalibwako era nga bino tuyinza okubikolamu enkyukyuka buli kadde.

“Akawunti ya Airtel Money” kitegeeza akawunti ya Airtel kasitooma kwayisa oba okufunira ssente, ng’eno gyetutereka okutulaga omuwendo gwa ssente kasitooma gwaterese naffe era nga gweguterekeddwa ekitongole ekitutwala ki Trust Account ku lwa kasitooma;

“Amateeka n’obukwakkulizo kasitooma wa Airtel Money byagoberera” kitegeeza amateeka gano agafuga enkolagana eriwo wakati wa AMC Uganda ne ba kasitooma baayo eyeekuusa ku nsimbi eziyisibwa ku ssimu, era nga gaba geekenneenyezebwa buli kadde.

“Ajenti wa Airtel Money” kitegeeza omuntu alondeddwa era ne tumuwandiisa okuwa obuweereza bwa ssente eziyitira ku ssimu.

"AMC Uganda” oba "ffe" oba “byaffe” kitegeeza Airtel Mobile Commerce Limited, ekisangibwa ku Airtel Towers, Plot 16A, Clement Hill Road, P. O. Box 6771, Kampala, Uganda, era nga bebalina layisinsi ebakkiriza okutambuliza ssente z’abantu ku masimu, ng’eno baagifuna okuva mu Bank ya Uganda enkulu.

“Airtel Money Balaansi” kitegeeza omuwendo gwa ssente ogubeera gusigadde ku akawunti yo eya Airtel money.

“Ebiragiro bya Airtel Money” kitegeeza ebiragiro ebiyisibwa ku ssimu ng’obubaka obuwandiike, oba ebiyitira ku App ya Airtel money, nga bukulungamya ku ngeri gy’oyinza okutambuzaamu ssente okuva ku kasitooma omu okudda ku mulala. Kwekugamba nti; gy’emitenderera omuntu gy’agoberera ng’akozesa Airtel Money. 3

“Omutunzi wa Airtel Money” ye muntu atunda eby’amaguzi oba obuweereza, era ng’akkiriza okukwata ssente ezigya mu muwendo gw’ebyamaguzi ebyo oba obuweereza obwo bw’aba akoze.

“Obuweereza bwa Airtel Money” kitegeeza obuweereza bwe tutuusa ku bantu nga bwekuusa ku ssente eziyitira ku masimu okuva ku kasitooma omu okudda ku mulala, nga tugoberera amateeka agatufuga omuli okuwandiika obuweereza bwonna obutuusiddwa ku bantu, okukakasa nti bwebubadde n’okutereeza ebyo ebikwata ku akawunti z’aba kasitooma.

“Enkola ya Airtel Money” oba “Airtel Money” kitegeeza enkola gye tukozesa okusobola okubatuusaako obuweereza bwa Airtel Money.

“Akabonero ka Airtel Money n’erinnya” kitegeeza erinnya lya Airtel Money n’akabonero akakiraga nti yaffe.

“Okuwanyisiganya ku Airtel Money” Kitegeeza okuwanyisiganya okubaawo nga kulimu kasitooma okuggyayo oba okusindika ssente n’ekirala kyonna ekikolebwa ng’akawaayiro nnanba 4 bwe koogera mu kiwandiiko kino.

“Okulungamya okuyamba akozesa Airtel Money” kitegeeza ekiwandiiko ekinnyonnyola emitendera egy’okugoberera ng’okozesa Airtel Money.

“Airtel Money App” Kitegeeza omukutu gwa AMC Uganda ogukuyamba okwekolera kye weetaaga ng’ogoberera endagiriro nga gusangibwa ku masima ag’omulembe nga aga Android ne iOS, ng’okuyita ku mukutu guno kasitooma wa asobola okufuna oba okugyayo ensimbi n’enkola ya Airtel Money.

“Ebiragiro bya Banka Airtel Money” kitegeeza ekiragiro ekya Airtel Money nga kiwa olukusa aba Banka eyakwasaganyizibwa ku nnamba yo ey’essimu, okuggyayo ssente ku akawunti yo eya banka ezisindike ku akawunti yo eya Airtel money.

“Kkaasi” kitegeeza ssente za Uganda ezikkirizibwa mu mateeka;

“Kkaasi ayingira mu kuwanyisiganya” kitegeeza okuwaayo ssente eri ajeenti wa Airtel Money n’azikuteera ku akawunti yo.

“Kkaasi afuluma mu kuwanyisiganya” kitegeeza okuggya ssente ku Akawunti yo ng’oyise mu ajeenti wa Airtel Money. 4

“Obubaka bw’essimu obukakasa nti kikoleddwa” kitegeeza obubaka bw’essimu obulaga mu bufunze ebikoleddwa mu kuwanyisiganya kwonna okuba kukoleddwa nga kwekuusa ku Airtel Money.

“Balaansi” kitegeeza omuwendo gwa ssente oguba kusigadde ku akawunti yo eya Airtel money.

“Okuteekayo” kitegeeza okuwanyisiganya okubaawo okuvaamu akawunti yo okuteekebwako ssente.

“Kasitooma” oba “ggwe” kitegeeza omuntu yenna alina akawunti ne Airtel Money, nga kiyinza n’okuba ekitongole, kasita kiba nga kiwandiise mu mateeka.

“Ennaku z’omwezi kw’otandikidde” kitegeeza ennaku z’omwezi kwotereddeko Airtel Money ku ssimu yo oba ennaku z’omwezi kwotandise okugoberera ebiragiro bya Airtel Money;

“Okugyayo” kitegeeza okugyako sente ku akawunti yo eya Airtel Money.

“Ekifo bakasitooma webayambibwa” kitegeeza ebifo byaffe wetuyambira ba kasitooma era nga ebibikwatako bitereddwa mu kiwandiiko ekirungamya abakozesa Airtel Money bonna.

“Okuwanyisiganya okulimu okugyayo” kitegeeza okuwanyisiganya okubaawo okuvaamu ensimbi okugibwa ku akawunti yo nga bwe kirambikiddwa mu nkola ya Airtel Money.

“Asasulwa” kitegeeza omuntu yenna (asobola okubeera ggwe wennyini, kasitooma omulala, ajenti oba omutunzi akkirizibwa) nga gwokkiriza okuweebwa sente ezivudde ku akawunti yo.

“Ppiini esooka” kitegeeza ennamba ennya ezikuweebwa mu kuwandiisa akawunti yo aya Airtel Money okubeera ng’ekozesebwa okusobola okugulawo akawunti yo etandike okukola, era olw’eby’okwerinda olina okukyusa ennamba ezo amangu ddala.

“Sente eziri ku ssimu” kitegeeza omuwendo ogulagibwa ku akawunti y’essimu yo nti gweguliko era nga gulagira ddala omuwendo gwa sente aba Airtel gwebakuterekedde era nga gusobola okugibwayo okuyita ku ajenti yenna; 5

“Omuwendo gwa sente” kitegeeza omuwendo gwa sente ogumanyiddwa mu butongole nti gwe guli ku akawunti ya kasitooma ng’era gwalina okufuna wayagalidde wonna.

“Ebisale” kitegeeza ebisale ebisasulwa olw’okuwanyisiganya kwonna okubaawo mu buweereza bwa Airtel Money okusinziira ku mateeka agabafuga.

“Eby’amaguzi n’obuweereza” kitegeeza eby’amaguzi n’obuweereza ng’ebiyinza okugulibwa ku mutunzi wa Airtel Money okuyita ku sente ezibeera ku ssimu n’okugoberera enkola ya Airtel Money.

“Obutakyakola” kitegeeza nti kaadi y’essimu eyawandiisibwa okuyisizaako enkola ya Airtel money terina kyekoze ku kyekuusa ku nsonga eyo okumala ennaku kyenda (90) ez’omuddiringanwa.

“Layisinsi” kitegeeza olukusa olwatuweebwa banka ya Uganda enkulu okukakalabya emirimu gy’okuyisa ensimbi ku masimu g’abantu wansi w’etteeka ly’eby’ensimbi eziyita ku masimu mu ggwanga lya Uganda.

“MNO” kitegeeza enkola etambuza ensimbi ku masimu oba Airtel Uganda Limited ng’eno ekolaganira wamu ne AMC Uganda okutuusa ku bantu obuweereza bwa Airtel Money okuyita ku mirongooti gyabwe egy’amasimu egyetooloola eggwanga lyonna.

“MNO Netiwaaka” kitegeeza obusobozi bw’okuteekawo empuliziganya yamasimu oba okusika amayengo g’amasimu nga kituukirizibwa aba Airtel Uganda Limited nga ye (MNO) gwe tukolagana naye era nga bano baaweebwa olukusa okuddukanya ekitongole ky’amasimu mu ggwanga lya Uganda, nga bano betwaggyako omulimu gwa Airtel Money ng’amateeka agafuga bizinensi bwegalambika, kyokka nga tukolagana nabo okutuusa ku bantu obuweereza bwa Airtel Money okuyita ku masimu agali ku mutimbagano.

“Ebikozesebwa” kitegeeza essimu yo ey’omungalo ne kaadi yaayo /oba ebikozesebwa ebirala nga bwebikozesebwa bisobozesa omuntu okutuusibwako obuweereza bwa Airtel Money.

“Essimu” kitegeeza essimu yo ey’omungalo.

“MSISDN” kitegeeza ennamba egira ku kaadi nga ekuyamba okukwatibwa ku mukutu gw’essimu ogwa Airtel. 6

“Etteeka erifuga eby’okusasula” oba “Etteeka” kitegeeza etteeka erifuga eeby’ensasula mu ggwanga eryayisibwa mu 2020.

“Erinnya epaatiike” kino kitegeeza erinnya ery’enjawulo nga lya nnukuta nga 3-7-nga likozesebwa okukuuma ebyo ebikwata ku kasitooma okusobola okutumbula eby’okwerinda. Kasitooma asobola okwetonderawo erinnya eryo oba okulikyusa obudde bwonna.

“NIN” kitegeeza ennamba ey’enjawulo egira ku ndaga muntu yo;

“Asindika” kitegeeza kasitooma oba ajenti wa Airtel Money Agent atandikiddeko okuwanyisiganya kwa Airtel Money ensimbi n’ezisobola okusindikibwa eri omuntu.

“Okusasula” kitegeeza sente ezisasulibwa ajenti wa Airtel Money okusobola okugula sente aziteeke ku akawunti yo ey’essimu.

“PPIINI” Kitegeeza ennamba 4 ez’ekyama ezikuyamba okugulawo akawunti yo.

“Eyatayimu” kitegeeza sente z’oteeka ku ssimu yo nga za kukuba;

“Afuna” kitegeeza kasitooma oba ajenti wa Airtel Money gwebasindikira sente ku ssimu.

“Foomu ey’okwewandiisa” Kitegeeza foomu eriko ebyokujjuzaamu ng’gijjuzaamu n’ekigendererwa eky’okwewandiisa osobole okufuna kaadi y’essimu, okuteekebwa ku mukutu gwa buli wendi nkufuna oba okusobola okufuna obuweereza bwa Airtel Money, ng’eno ebeerako obubaka obukukwatako, ebikwata ku kwewandiisa n’okulaga nti okkiriza amateeka n’obukwakkulizo.

“Ekitongole ekirondoola n’okulungamya” kitegeeza bbanka ya Uganda enkulu, Ekitongole ekirondoola n’okulungamya eby’empuliziganya mu ggwange ki UCC oba ekitongole ekirala kyonna ekirungamya n’abo abakikiikiridde obudde bwonna.

“Obuweereza” kitegeeza obuweereza bwa Airtel Money oba obuweereza obulala bwonna bwetukkiriziganyako okubatuusaako essaawa yonna.

“Kaadi y’essimu” ke kantu kasitooma k’aba n’ako nga bwakakozesa n’essimu entuufu kamusobozesa okufuna obuweereza bwa Airtel Money. 7

“Obubaka bw’okussimu” kitegeeza obubaka obumpimpi obuwandiike okuyita mu mayengo g’amassimu.

“Ekirungamya ku bisale” kitegeeza ekiwandiiko ekiraga ebisale ebigibwa ku buli kuwanyisiganya okubaawo mu kukozesa obuweereza bwa Airtel Money nga bwe birambikiddwa mu bifo awali obuweereza bwaffe, mu ba ajenti ne ku mutimbagano gwaffe ogwa https://www.airtel.co.ug/ era nga bikyusibwa ekiseera kyonna.

“Ebiragiro ebigobererwa” kitegeeza amateeka n’obukwakkulizo ebisangibwa mu Ndagaano eno nga tusobola okubikyusaamu essaawa yonna.

“Okuwanyisiganya” kitegeeza okuwanyisiganya kwonna okulimu akawunti yakasitooma okuteekebwako oba okugibwako sente era muzingiramu n’obuweereza bwonna obwogeddwako wano.

“Ebisale mu kuwanyisiganya” kitegeeza ebisale byennyini byosasula olw’okukozesa obuweereza bwa Airtel Money nga bwe bitera okufulumizibwa ku kiwandiiko ekiraga ebisale oba ku mutimbagano gwaffe.

“Ennamba ereetebwa buli lwe wabaawo okuwanyisiganya” kitegeeza ennammba eyenjawulo eweebwa kasitooma buli lwewabaawo okuwanyisiganya okukoleddwa ng’eno ekozesebwa okulondoola buli kyonna ekikoleddwa ku akawunti yo.

“Omusigire” kitegeeza akakiiko akamanyiddwa nga “Airtel Money Trust Fund”, nga kekakiiko akaliko abantu abalondebwa era ne bayisibwa Banka ya Uganda enkulu okutereka sente z’abantu.

“Akawunti y’omusigire” kitegeeza akawunti mu bbanka gye tuggulawo mu bbanka nga etteeka bweriragira, nga ku akawunti eno kwekuteekebwa sente zonna era abasigire nebazikuuma ku lw’abakasitooma ba Airtel Money.

“Ebikolwa by’abasigire” kitegeeza ebyo abasigire bye basazeewo okukola oba okukyusaamu nga mu byo abasigire mwe bakwasaganyiza omuwendo gwonna ogufunibwa ku akawunti yo nga amateeka n’ebiragiro bwebirambika.

“Omusigire” kitegeeza omuntu eyalondebwa era nakkirizibwa bbanka ya Uganda enkulu okuddukanya akawunti okutuula sente z’abantu ne banne. 8

“USSD” kitegeeza obubaka nga bwa tekinologiya obuteekebwa mu byuma bi kalimagezi, obusobozesa okutambuza obubaka obw’enjawulo okutuuka ku masimu g’abantu ab’enjawulo.

“Gwe” kitegeeza kasitooma.

"Ffe" oba “ebyaffe” kitegeeza aba Airtel Mobile Commence Uganda Limited.

3. OKUGGULAWO N’OKUBEEZAAWO AKAWUNTI YA AIRTEL MONEY

3.1 Obuweereza bwa Airtel Money webuli eri buli muntu yenna eyeewandiisa kne Airtel, omuntu yenna akozesa essimu eyomungalo nga alina omukutu gw’essimu gwaliko era nga kaadi ye ey’essimu ekola.

3.2 Osobola okusaba okuwandiisa akawunti emu yokka eya Airtel Money ku kaadi ye ssimu yonna ekola. Olina okubeera ne kaadi ya Airtel Money ekola nga kwoyita okufuna obuweereza bwa Airtel Money okuyita ku mukutu gw’essimu eyo. Kaadi yo ey’essimu bw’eba egaanyi okukola ku Airtel Money, osobola okukyusaamu nebakuwa endala ku kasente akatonotono okusinziira ku kyebanaaba bakugambye, osobole okufuna ekola obulungi.

3.3 Osobola okwewandiisa okufuna obuweereza bwa Airtel Money ku mukutu gwa Airtel mu kifo aba Airtel webasinziira okukuweereza oba okuva ewa ajenti yenna akkirizibwa, ng’ogolola awali akabokisi (ku foomu ey’okwewandiisa okufuna kaadi y’essimu) okulaga nti wandyagadde oba nti okiriziganya n’okwewandiisa okusobola okufuna obuweereza bwa Airtel Money nga buyisibwa ku kaadi y’essimu.

3.4 Bwonooba owaayo foomu yokwewandiisa ojja kusabibwa okuwaayo ennamba yo ey’essimu, erinnya lyo, akafaananyi, ennamba y’okundaga muntu, ennamba y’endaga muntu, gyobeera, gyokolera (bw’oba olinayo), ennaku z’omwezi zewazaalibwako, eggwanga lyo, ekikula, n’ebirala ebikukwatako ng’amateeka n’ebiragiro bwegalagira.

3.5 Ajenti akuyambyeko mu kwewandiisa asobola okusigaza kkopi yo eya Ndagamuntu n’akafaananyi.

3.6 Bw’oggulawo akawunti ya Airtel Money, obeera otukkiriza okukozesa obubaka obukukwatako bwewawaayo mu Airtel bwe wali wewaandiisa okufuna kaadi y’essimu okusobola okwewandiisa okufuna obuweereza bwa Airtel Money. 9

3.7 Obubaka bwonna bwowaayo bulina kubeera butuufu, nga bujjuvu era nga temuli nsobi yonna. Tolina kuwaayo bubaka bwa bulimba, obutatuukiridde, obutaggwayo oba obuwabya.

3.8 Buvunaanyizibwa bwo okukakasa nti obubaka obukukwatako bwogera kye nnyini kyoli essaawa eyo.

3.9 Okusaba kwo n’ebyo ebijjuziddwa mu foomu y’okwewandiisa tujja kubitunulamu okukakasa nti obijjuza bulungi tolina kyoleseeyo era tujja kwekenneenya ebiwandiiko ebikwogerako tusigazeeko kkopi.

3.10 Tusobola okugaana okusaba kwo nga bwetuba tulabye.

3.11 Tusobola okugaana okukuggulirawo akawunti bwetuba nga twekengera empapula zoolaga ezikwogerako oba ebimu ku bisaanyizo by’olina okuba nabyo mu kuggulawo akawunti tobituukirizza.

3.12 Tulina obuyinza okukebera ebintu byotuwadde oba nga byebyo ebituufu oba okukusaba ebikwogerako ebirala ebikwatagana ne akawunti yo era ng’ekyo bwekirema kikugira enkozesaayo eya Airtel Money, okugira ng’olindako okuweebwa obuweereza oba okuggalawo akawunti eyo.

3.13 Okwewandiisa okusobola okufuna obuweereza bwa Airtel Money bwekuggwa obulungi, ojja kuweebwa ennamba ey’ekyama esookerwako n’obubaka obukuyozaayoza olw’okuggulawo akawunti yo obulungi.

3.14 Bwotandika okukozesa akawunti yo ng’oteekamu ennamba ey’ekyama esookerwako ojja kusabibwa okweteramu ppini ey’ekyama eyiyo oluvannyuma lw’ekyo, ojja kuba ng’osobola okukozesa Airtel Money yo ng’oteekako omuwendo gwonna.

3.15 Olw’obuvunaanyizibwa aba Airtel bwe balina mu kwekenneenya ekigenda mu maaso ku akawunti yo, osobola okufuna ekiwandiiko ekiraga akawunti yo bw’obadde ogiddukanya okuva eri ebifo ebikkirizibwa okukikola era nga basobola okukusasuza. Ekiwandiiko ekiraga akawunti bwogitambuza bwebujjulizi obujja okulaga ebyo byozze okola ku akawunti yo eya Aitel Money okumala ekiseera ekiteereddwa mu kiwandiiko ekyo.

3.16 Olw’okwagala okumalawo okubuusabuusa, aba Airtel tekibakakatako okuwaayo obujulizi mu kkooti yonna kw’ekyo ekyekuusa ku akawunti yo 10

kye babeera bafunye okuva mu Airtel okusobola okugoberera omusango ogw’ekikula ekyo.

4. OBUWEEREZA BWA AIRTEL MONEY

4.1 Ettabi lya Airtel Uganda erikola ku by’esente eziyisibwa ku ssimu bebakola ku sente eziyita ku ssimu era nga bebakusobozesa okusindika n’okufuna sente okuyita mu kkaadi yo ey’essimu gye wawandiisa eyakuweebwa aba Airtel.

4.2 Buli muntu yenna ali ku mukutu gwa Airtel asobola okufuna obuweereza bwa Airtel Money kasita awandiisa kaadi y’essimu ye. Abo abalina kaadi z’essimu eziri ku mikutu gy’amassimu amalala basobola okukugirwa mu nsonga ezimu.

4.3 Osobola okwewandiisa ofune akawunti ya Airtel Money mu Airtel, awantu webatundira kaadi z’essimu oba ku Ajenti wa Airtel Money ng’ogolola akabokisi akalaga kyoyagala ku foomu gyebeewandisizaako okufuna kaadi y’e ssimu.

4.4 Ettabi lya Airtel erikola ku bya sente eziyita ku ssimu balina obuyinza obukusalirawo akawunti za Airtel Money z’olina okuba nazo.

4.5 Ettabi lya Airtel erikola ku bya sente eziyita ku ssimu balina obuyinza okugaana omuntu yenna okwewandiisa oba okusazaamu okwewandiisa kweyakola ku nkola ya Airtel Money.

4.6 Osobola okufuna sente ku akawunti yo eya Airtel Money bwoteekayo kkaasi eri Ajenti oba okufuna ensimbi okuva ku kasitooma omulala owa Airtel Money, okuva ku bitongole ebiweereza sente mu nsi yonna oba okuyita ku mukutu omulala gwonna ogukkirizibwa aba Airtel gwe balambuludde.

4.7 Okuwanyisiganya kwonna kujja kukozesa sente za Uganda. Enkola ya Airtel Money bayinza okulemererwa okubala obusente obugwamu ku ddaala lya senti. Kale olina okukkiriza ezo sente ezisobola okubalibwa mu za Uganda.

4.8 Kkaasi wo ali ku ssimu abeera aterekeddwa ku akawunti eddukanyizibwa abasigire nga endagaano eyateekebwako omukono wakati w’ab’ettabi erikola ku bya sente z’okussimu n’abasigire. Okugenda mu maaso ng’okozesa Airtel Money oba okkiriza nti weesize abasigire okukukuumira 11

sente eziri ku akawunti gye balabirira ku lulwo nga ebiragiro ebibafuga bwebirambika.

4.9 Oba okkiriza nti Abasigire basobola okutwala ensimbi eziri ku akawunti yo eya Airtel Money ng’obujulizi obw’enkomeredde nti ze sente eziri ku akawunti yo mu kiseera ekyo era Abasigire tekibakakatako kukola kunoonyereza kwabwe kw’ebyo ebirungi ebirina okugira ku kkaasi wo gwebaterese.

4.10 Bwe ziba nga zigwa mu kikomo ky’omuwendo gwemwakkiriziganyaako okugyayo ng’amateeka agafuga okuwanyisiganya okubaawo ku Airtel Money bwegalambika, sente eziba zisigadde ku akawunti yo osobola okuzigyako wonna woyagalidde era zijja kugibwako nga bwonooba olagidde ng’oyita mu nkola ya Airtel Money.

4.11 Okkiriza nti Airtel Money ssi bbanka wadde ekitongole ekiteekebwako sente z’abantu nga bwe kinyonyoddwa mu teeka erifuga ebitongole ebiteresi bya sente z’abantu.

4.12 Ebisale byonna ebisalibwa mu kuwanyisiganya mu nkola ya Airtel Money birambikiddwa butereevu mu kiwandiiko ekirungamya ku bisale ekisangibwa aba Airtel webakakalabiza emirimu gyabwe, ku Ajenti wa Airtel, ku mutimbagano gwaffe oba nga bwetuba tulanze, era nga bisobola okukyuka nga bwetuba tulabye.

4.14 Obuweereza bwa Airtel Money bujja kukutuusibwako wansi w’amateeka n’obukwakkulizo buno wammanga:-

4.14.1 Wadde tujja kufuba nga bwetusobola okulaba nti otuusibwako obuweereza bwa Airtel Money bweweetaaga, tetuyinza kukisimbako mannyo nti obuweereza bwa Airtel Money bujja kubeerawo buli w’obwetaagira era tetuvunaanyizibwa ku buzibu bwonna obuyinza okutuukawo olw’obutabeerako kwaffe. Okukkiriza amateeka n’ebiragiro ebigobererwa obeera okkiriza nti enkola ya Airtel Money nayo olw’olumu eremererwa nti era waliwo embeera oba ensonga ezizitaataaganya (gamba nga) enkola za Katonda, enkula y’ensi, embeera y’obudde, okufa kw’ebyuma oba okuba nga waliwo ekiterezebwa ku nkola ya Airtel Money nga kino kiyinza okuyingirira obuweereza bwaffe obwa Airtel Money.

4.14.2 Singa kaadi y’essimu yo ebeera eyonoonese oba nga ebuze oba okubbibwa, kikukakatako okututegeeza ensonga eno amangu ddala 12

ng’okubira ekitebe kyaffe. Awo tujja kuyimirizaamu ebikolebwa ku akawunti yo tusobole okuziyiza kyonna ekikolebwa okutuuka nga kkaadi eyo eddiziddwawo oba okuterezebwa. Ggwe avunaanyizibwa ku bisale byonna oba obuzibu bwonna obugwawo nga tonnatugambako nti kkaadi yayonoonese, yabbiddwa oba yabuze era bwotyo olina okutuggya mu kuwanyisiganya kwonna okuba kutuseewo ku akawunti yo mu kiseera nga tonnatutegeeza obuzibu obukuguddeko.

4.14.3 Tetuyinza kukukakasa nti okuwanyisiganya kwonna okunaabeera ku akawunti yo eya Airtel Money kunaakuumibwa nga kwakyama. Tukulabula nti olw’ensonga zetutalinaako buyinza, waliwo obuzibu nti obubaka bwo buyinza okufunibwa mu ngeri etali y’amateeka abantu abalala mu kifo ky’abo abagendereddwa. Tetusobola kukkiriza kuvunaanibwako buzibu buyinza kuva mu mbeera eyo oba ezze butereevu oba si butereevu nga buva mu kuba nti obubaka obukoleddwa mu akawunti yo bumannyiddwako omuntu omulala.

4.14.4 Okkiriza n’okakasa nti tuyinza okwasanguza/oba okufuna /oba okukwata ku katambi obuweereza bwonna bwofunye omuli okuwanyisiganya okubaddewo oba ebyo ebikukwatako oba ebiwandiiko byo ku lw’ensonga zino wammanga: -

• (a) Singa wabaawo okwagala okutangira obufere n’okukwasisa amateeka;

• (b) Nga waliwo eby’enfuna ebitegerekeka nga byekuusa ku nkozesayo eya Airtel Money, gamba nga ebintu ebirimu okunoonyereza oba obwakitunzi;

• (c) Nga tubyetaaga okubikozesa mu lukalala lw’amanya getulina.

• (d) Okusobola okutuukiriza eby’amateeka, ekiragiro kya gavumenti oba ekitongole ekitutwala oba singa kkooti ebeera esabye obubaka obwo;

• (e) Nga ba looya baffe beetaaga okukozesa obubaka obwo bwe wabaawo omusango ogutuguddwako mu kkooti;

• (f) Bwebiba bya bizinensi gamba nga, okukebera oba ebintu bitambula bulungi, bwe wabaawo okutendekebwa, okubala ebitabo, n’okukakasa nti ebintu bitambula bulungi.

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4.14.5 Okkiriza n’okakasa nti tuyinza okwasanguza/oba okufuna obubaka obukukwatako oba ebiwandiiko ebikwogerako n’enkozesa yo ey’obuweereza n’okuwanyisiganya kw’okola, email yo, obubaka ku ssimu, obubaka obukukwatako oba ebiwandiiko bye twakugyako olw’ensonga zino wammange: -

• (a) Okukozesebwa ebitongole ebya kuno oba eby’ensi yonna ebikwasisa amateeka oba ekitongole kya gavumenti mu kuyambako okuziyiza obumenyi bw’amateeka oba okubonereza abazizza emisango;

• (b) Okukozesebwa abantu baffe abatuusa obuweereza ku bantu, ba Ajenti abakkirizibwa, oba kampuni yonna endala gyetuyinza okuba nga tukolagana nayo, ku nsonga z’eby’enfuna nga zeekuusa ku nkozesaayo ey’obuweereza bwa Airtel Money, gamba nga okutumbula obuweereza buno n’okunoonyereza;

• (c) Okutumbula obusobozi bwaffe mu kutuukiriza ekintu kyonna ekyekuusa ku mateeka, oba ebisaanyizo bya gavumenti oba ekitongole ekitutwala bye kisaba oba ng’ekiragiro kivudde mu kkooti;

• (d) Nga byetaagibwa okukozesebwa bannamateeka baffe, ababazi b’ebitabo oba abakugu abalala abatuwa ku magezi oba nga byetaagibwa mu kuwuliriza omusango gwonna mu mateeka.

• (e) Olina okugondera ebiragiro byonna bye tuyinza okukuwa wetubikuweera kasita biba nga byekuusa ku buweereza bwa Airtel Money.

• (f) Okuwanyisiganya kwokola kusobola okuloondoolebwa oba okukwatibwa ku katambi okukozesebwa mu bintu bya bizinensi gamba nga okukuuma omutindo, okutendekebwa, okulaba nti obuweereza bulungi, okuziyiza abantu abatakkiriziddwa okukozesa omukutu oba okukozesa obuweereza bwa Airtel Money n’okukwata abazzi b’emisango wamu n’okubatangira.

5. OKUKKIRIZA N’OKUTANDIKA OKUGOBERERA AMATEEKA AGAFUGA ENKOZESA YA AIRTEL MONEY 14

5.1 Otwalibwa okuba ng’okkiriza amateeka gano n’ebiragiro era nga gasobola okukyusibwamu essaawa yonna era gatandika okukola singa: -

• (a) Otuwa ffoomu kwe weewandisirizza, oba n’ogiwa owa Airtel akola ensonga z’okuyisa sente ku ssimu oba Ajenti eyakkirizibwa; oba

• (b) Kasita otandika okukozesa akawunti yo eya Airtel Money ng’okozesa ppiini ey’ennukuta ennya eyakuweebwa mu kusooka.

• (c) Kasita obeera ng’okozesa obuweereza bwa Airtel Money.

5.2 Amateeka gano agafuga enkozesa ya Airtel Money gajja kusigala nga gakola okugyako nga waliwo okusazibwamu okusinziira ku buwaayiro buno wammanga.

6. OKUWUMMUZAAMU, OKUGGYAKO, OKUSAZAAMU, N’OKUGGALAWO AKAWUNTI N’OBUWEEREZA

6.1 Tusobola okuwummuzaamu, okutangira, okugaana oba okusazaamu okufuna obuweereza bwa Airtel Money (mu kitundu oba bwonna) oba okuggalawo akawunti yo awatali kusasula ngassi yonna era nga naawe tetukutegeezezzaako mu mbeera bweziti: -

6.1.1 Bwoyasanguzibwa nti oli mwavu tokyesobola nga tokyasobola kusasula mabanja bwoba otuuse okugasasula oba bw’oteekamu ekiwandiiko (oba weeyagalidde oba okakiddwa) ekitegeeza nti tokyesobola, nti oyavuwadde, okomye oba ng’osaba ababanja bazikusonyiwe;

6.1.2 Bwe tuba tukitegeddeko oba nga tulina ensonga etulowoozesa nti akawunti yo, ebikozesebwa ng’essimu oba kaadi y’essimu, ppiini ebikozesebwa ku kufuna obuweereza bwa Airtel money bikozesebwa mu bukyamu, mu ngeri etali y’amateeka, etakkirizibwa, ey’olukujukuju oba okuza emisango (oba nga baali bagikozesezaako mu ngeri eyo);

6.1.3 Singa abakwasisa amateeka oba ekitongole ekikola ogwo oba ekya gavumenti batandika okukunoonyerezaako olw’ensonga yonna nga tulaba kijja kutuwa erinnya ebbi;

6.1.4 Bwotagondera mateeka oba ebiragiro ebikwatagana n’okukozesa obuweereza bwa Airtel Money nga mwemuli n’okututegeeza nti essimu yo 15

oba ppiini bibuze, oba bibbiddwa oba ng’omuntu omulala ategedde PPIINI yo;

6.1.5 kasita tufuna okusaba kwo nti oyagala tuggalewo akawunti yo eya Airtel Money;

6.1.6 Bwokola oba n’okiriza ekintu kyonna okukolebwa ku akawunti yo, kaadi y’essimu, ennamba ezisobozesa empuliziganya, PPIINI oba essimu yo nga tulowooza nti kijja kwonoona oba okukosa enkola n’eby’okwerinda by’omukutu gwa Airtel Money oba obuweereza bwa Airtel Money;

6.1.7 Singa akawunti yo oba kaadi y’essimu bimala ebbanga nga tebikola.

6.1.8 Bwogaana okugondera akakwakkulizo konna akakwatagana n’ekitundu kyonna eky’obuweereza;

6.1.9 Obubaka bwonna bwewawaayo nga wewandiisa bwe kizuulibwa nti bukyamu oba bwogaana okutuwa obubaka obukukwatako ebiseera bino okusinziira ku mateeka;

6.1.10 Bwe wabaawo ekyonoonesa ekyetaagisa abakugu, bwebabeera mu kiseera ky’okukiteereza n’ebiringa ebyo.;

6.1.11 Ekintu kyonna ekisukkuluma ku busobozi bwaffe.

6.2 Olw’ebyo ebyogeddwa waggulu, tusobola okusalawo nga tetukwebuuzizaako, okusazaamu obuweereza bwonna oba ekitundu ku bwo ate nga tetukuliyiridde.

6.3 Singa obuweereza bwa Airtel Money busaziddwamu ku ssimu yo oba nga buyimiriziddwa oba nga akawunti yo eggaddwawo, sente zonna eziriko zijja kukusasulwa mu kkaasi ssinga ojja ku kitebe kya airtel n’olagayo ebiwandiiko ebikwogerako ebimatiza.

6.4 Tetujja kukuvunaanyizibwako mu ngeri yonna kw’ebyo ebinaaba biguddewo olw’okuggalawo akawunti yo nga bwetulambuludde mu kawaayiro 6.

6.5 Osobola okusazaamu endagaano eno, singa otutegezaako nga wabula omwezi gumu mu buwandiike; 16

6.6 Tojja kutuwawaabira mu ngeri yonna olw’okuba tuleseeyo okukutuusaako obuweereza era okulekayo obuweereza tekukugyako ddembe lyo eri ebintu byobadde otuuseeko nga tonnayimirizibwa;

6.7 Ngogyeko ekintu ekirala kyonna ekyekuusa kw’ebyo waggulu, Endagaano eno ejja kusalawo oba nga enjuyi zombi bava ku kyokukolagana singa oba oyavuwadde, oba nga tokyayingiza sente nga takyaliyo, oba bwomenya etteeka ekkulu mu ndagaano eno.

6.8 Ku buli luuyi teri ajja kukuba munne mu mbuga z’amateeka olw’okusazaamu endagaano eno ey’obuweereza okujjako singa okusazaamu endagaano eno kujja kumalawo ddembe ly’omu ku bo ery’obwebange lyabadde yeeyagaliramu nga enkolagana tennaggwawo.

6.9 Okusazaamu endagaano eno tekijja kukosa kawaayiro konna mu ndagaano eno akaali kagamba nti waali waliwo ekirina okukolebwa oluvannyuma lwokusazaamu obuweereza, oba okumalawo enkolagana yonna ebadewo nga endagaano tennasazibwamu;

7. EBISALE MU KUWANYISIGANYA

7.1 Ekiwandiiko ekiriko ebisale ebitemwa ku buli kuwanyisiganya okubeerawo mu buweereza bwa Airtel Money wekiri ku kifo wetusinziirira okubaweereza, ewa Ajenti akkirizibwa okukola mu Airtel Money saako ne ku mutimbagano gwaffe.

7.2 Ebisale eby’okusasula nga bwe biraga ku kiwandiiko ekirungamya ku bisale bisasulibwa eri ffe ku buli nkomerero ya kuwanyisiganya okubeerawo ku akawunti yo era nga tujja kubitemerako eno okuva akawunti buli okuwanyisiganya bwekunnaggwa. Ojja kufuna obubaka obuwandiike nga bulimu byonna byova okukola n’ensimbi ezisigadde ku akawunti yo.

7.3 Okuwanyisiganya kwa Airtel Money kwonna okubaawo okulimu okugyako ensimbi okuva ku akawunti yo okusobola okusasula kkaasi mu akawunti ya Bbanka ojja kusalibwako ebisale (bye bayita ebisale bya bbanka”) okusinziira ku bbanka z’esabye mu kiseera ekyo era nga ebisale ebyo bijja kusalibwako nga sente endala zonna bwe zisalibwako zisasulibwe mu bbanka].

7.4 Ebisale byokuwanyisiganya mwe muli ogwa VATI n’emisolo emirala egiriwo essaawa eyo. 17

8. OKUWANYISIGANYA MU AIRTEL MONEY

8.1 Akawunti yo eya Airtel Money ejja kuteekebwako ssente z’owaddeyo ziteekebweko. Oba kasitooma omulala bwakuweerezaako ssente.

8.2 Okuwanyisiganya kwonna okulimu okuggyako ssente kujja kugoberera ebiragiro bya Airtel Money kasita oteekamu ppiini eraga nti okikkiriza oba mu ngeri endala nga bwetuyinza okulambulula.

8.3 Oyinza obutakola kuwanyisiganya kwonna okwa Airtel Money singa ku ssimu tolinaako sente zimala omuli n’emisolo egirina okuba nga gisalibwako; oyinza okuba nga otuuse ku kikomo aba Airtel kyebaateekayo nti tokisussa; oyinza okuba otuuse ku kikomo kyotalina kussuka mu lunaku Airtel kye yateekawo; oba nga akawunti yo yayimiriziddwamu oba nga baagisibidde ddala mu mateeka; oba nga waliwo ensonga endala ezirimu eggumba gamba nga amayengo okuba nga gatambula kasoobo, oba okuba nga tegaliiko.

8.4 Ng’omaze okuwandiisa obulungi akawunti yo, ojja kusobola okufuna obuweereza buno wammanga: -

8.4.1 Okuteekako sente ku ssimu okuyita mu ajenti wa Airtel Money akkirizibwa oba ku ttabi lya Airtel lyonna. Osobola okuteeka sente ku akawunti yo eya Airtel yokka so si butereevu ku akawunti ya kasitooma wa Airtel Money omulala. Okusobola okuteekako sente ku ssimu, olina okujjuzaamu obubaka obukusabiddwa, omuli okuyita mu bikakasa nti ddala ggwe nnyii akawunti kwoteeka senteolwo nolyoka oteekayo kkaasi wa sente z’oyagala okuteeka ku ssimu. Ng’omaze okuwaayo kkaasi ewa Ajenti, olina okukakasa nti oteeka omukono mu kitabo nga bbuno bwe bukakafu obwenkomeredde nti otaddeko sente ku ssimu yo.

8.4.2 Osindikibwa sente ku ssimu n’eziteekebwako mbagirawo. Enkola ya Airtel Money ejja kuteera sente ku akawunti yo nga bwezijja.

8.4.3 Ogyayo sente ng’osindika ebiragiro bya Airtel Money ebigamba nti: -

• (a) Basaleko sente ku akawunti yo bakuwe kkaasi okuva ewa ajenti yenna akirizibwa;

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• (b) Okusindika sente okuva ku akawunti yo eri akawunti ya kasitooma omulala [ng’okozesa ennamba ye ey’essimu oba erinnya epatiike] era n’olaga n’omuwendo gwoyagala okusindika.

• (c) Okugula eyatayimu ng’okozesa sente eziri ku akawunti y’essimu yo, nga weegulira oba ng’ogulira kasitooma omulala.

• (d) Okusindika sente eziri ku akawunti yo ey’essimu eri akawunti ya bbanka yo kasita eba ng’ekwatagana ne Airtel Money.

• (e) Okusasulira ebintu ng’amazzi n’amasanyalaze osasula lumu lwokka, oba osasula buli luvannyuma lw’ekiseera ekigere ebintu eby’ekika kino, ng’osasula mu bitongole ebitereka sente, oba ebitongole eby’obwannakyewa, n’ebirala.;

• (f) Okusasulira eby’amaguzi n’obuweereza okuva ku atunda, ng’omusindikira sente okuva ku akawunti yo nga zigenda ku akawunti ya Airtel money ey’oyo atunda okusasulira eby’amaguzi oba obuweereza byoguze.

8.4.4 Okuwanyisiganya okwengeri yonna nga bwekuyinza okugunjibwawo aba Airtel oba ebitongole byebakolagana nabyo essawa yonna.

8.4.5 Ettabi lya Airtel eritwala eby’ensimbi z’okussimu mu Uganda lisigaza obuyinza okuteekawo ekkomo ku sente ezirina okusindikibwa oba okufunibwa era nga akawunti za Airtel Money ezimu zisobola okukkirizibwa okukolera mu sente ennyingi okusinga ku ndala nga byonna birungamizibwa ekitongole ekibafuga.

8.4.6 Ettabi lya Airtel eritwala eby’ensimbi z’okussimu mu Uganda tekisimbako mannyo nti obuweereza bwonna bunaabangawo essaawa yonna era nga basobola okubaako obuweereza bwe baggyawo oba obuweereza bwa Airtel Money bwonna okutwaliza awamu ng’ebimu kw’ebyo ebyavudde mu nnongosereza mu mateeka amaggya, n’ebiragiro bya gavumenti oba olw’ensonga endala yonna ey’amaanyi.

8.4.7 Ettabi lya Airtel eritwala eby’ensimbi z’okussimu mu Uganda basobola okugatako obuweereza obulala ku buweereza bwa Airtel Money nga kiva mu kukolera awamu n’ebitongole by’ensimbi oba ebitali bya nsimbi okubaako obuweereza bwebabatuusaako. Obuweereza obwekikula ekyo busobola okusobozesa okufuna obuweereza ku mikutu nga ebitongole by’ensimbi oba ebitongole ebirala. Mu kukozesa obuweereza ng’obwo 19

okutuuka ku mikutu egyo, emirala, olina okukkiriza okwegyereza aba Airtel, obutabaggulako musango gwonna bwe wabaawo okufiirwa okuyinza okuva ku kukozesa emikutu egyo emirala.

8.4.8 Ssinga wabaawo okwekenneenya kwonna mu nteekateeka zaffe eza bizinensi, eby’obukugu, okusaba kw’abantu oba olw’ensonga ez’okuddukanya emirimu gino, enkyukakyuka mu mulimu guno, amagezi agaweereddwa okuva mu bitongole ebitutwala n’ebiringa ebyo, Ettabi lya Airtel eritwala eby’ensimbi z’okussimu mu Uganda bayinza okukyusaamu mu mateeka n’ebiragiro bino agakwata ku nkozesa era bajja kuba babategeeza ku nkyukakyuka ng’eyo okuyita mu mikutu egisaanidde. Okweyongera kwo okukozesa Airtel Money kye kijja okutwalibwa nti okiriza amateeka amaggya n’obukwakkulizo oba ebiragiro.

8.5 Oluvannyuma lw’okuwandiisa obulungi akawunti yo ojja kusobola okukozesa Airtel Money: -

8.5.1 Okusaba okulaba ebizze bikolebwa ku akawunti yo;

8.5.2 Okukebera sente ezisigadde ku akawunti yo ey’essimu n’eziri ku akawunti yo eya bbanka [singa bibeera bikwatagana ne Airtel Money;

8.5.3 Okukyusa Ppinni n’erinya eppatiike.

8.6 Oluvannyuma lw’okuwanyisiganya kwonna okukoleddwa ku Airtel Money oyo afunye sente ne gyezivudde bajja kufuna obubaka obukakasa nga buliko ennamba ey’enjawulo n’omuwendo gwa sente oguli ku akawunti zaabwe bombi oba eziri ku akawunti za bbanka zaabwe. Obubaka obukuumibwa ab’enkola ya Airtel Money bwebujja okutwalibwa nti butuufu okujjako nga waliwo obubaka obulala obuwakanya.

8.7 Okugyako sente kwonna kwolagira kukolebwe ng’otaddemu ne ppiini yo ebisale ebigenderako bijja kugibwa ku akawunti yo. Ekyo olina okukikkiriza, okuggyako ettabi lya Airtel eritwala eby’ensimbi z’okussimu mu Uganda nga bategezeddwa nti Ppini yo tekyawa bukuumi nti oba n’essimu yo yabuze oba yabbiddwa, twesigama ku ky’okuba nti otaddemu ppiini ng’obukakafu nti ekiragiro ky’okuggya sente ku akawunti yo kivudde gyoli, ne bwe kiba nga kikoleddwa nga si ggwe akiriza. Tetujja kwetaaga bukakafu buwandiike obulagira wabeewo okuwanyisiganya ku Airtel Money. 20

8.8 Buvunaanyizibwa bwo okukakasa obutuufu bw’obubaka bwonna obuyingizibwa n’ebiragiro bya Airtel Money (nga mwe muli, so si ekyo kyokka, omuwendo ogutereddwamu, Einnya epatiike, ne nnamba y’essimu ey’oyo gwosindikira sente, erinnya lye, akawunti ya bbanka ne ttabi mwatereka) nga tonnasindika kiragiro ekikkiriza Airtel Money okuweereza sente.

8.9 Ekiragiro kasita kisindikibwa tewaba kwekyusa kiba kiwedde, era ettabi lya Airtel eritwala eby’ensimbi z’okussimu mu Uganda tebajja kubeera na musango gwonna wadde okubakakatako okukyusa mw’ekyo ekisindikiddwa. Airtel Money tejja kusobola kukyusa mu kigiragiddwa Airtel Money ka kibe ki, nga wadde nga kasitooma asowaganye ne kasitooma omulala oba ne ajenti waffe oba omuntu omulala yenna, oba okutabuka nga kuli wakati w’asindise ne gwe basindikidde. Ggwe avunaanyizibwa okumalawo obutakkaanya obwo nga tokireese gye tuli.

8.10 Wabula wadde guli gutyo, ettabi lya Airtel eritwala eby’ensimbi z’okussimu mu Uganda erina esobola okusalawo okusazaamu oba okukyusa ekiragiro kyokuwanyisiganya singa wabaawo ensonga eyomugundu gamba nga wabaddewo ensobi oba nga mulimu ebikolwa eby’obufere nga gye basindise tebanazigyako era nga n’okwemulugunya kukoledwa nga tewannayita mwezi.

8.11 Ettabi lya Airtel eritwala eby’ensimbi z’okussimu mu Uganda tekibakakatako kuddiza asindse sente singa ezisindise mu butanwa oba nga bamufeze oba nga bamupikiriza era nga ne sente bamaze okuzigyayo. Bwotyo tolina ku ssa ku Airtel musango gwonna olw’okufiirwa okuva mu nsobi ekoleddwa mu kusindika sente ng’asindika afereddwa, mu kukakibwa oba mu buzzi bw’emisango.

8.12 Bwosindikibwa sente mu butanwa, olina okukyogera era n’oyogera nti ojja kuzizaayo ekitali ekyo, ettabi lya Airtel eritwala eby’ensimbi z’okussimu mu Uganda bayinza okuzizaayo. Osobola okuggulwako omusango olw’okukozesa sente ezikusindikiddwa mu butanwa.

9. EBY’OKWERINDA N’ENKOZESA ETTAKKIRIZIBWA

9.1 Ppiini emu yokka yeesobola okukwasaganyizibwa ne akawunti yo ekiseera kyonna. 21

9.2 Ggwe wekka ayinza okukozesa akawunti yo, essimu yo ne kaadi yaakwo, erinnya epatiike ne ppiini.

9.3 Ovunaanyizibwa kukutereka ppiini ekuweereddwa esookerwako, Ppiini gyotaddemu n’erinnya epatiike, nga byakyama era nga bikuumiddwa bulungi, era n’okukozesa obulungi essimu yo ey’omungalo n’okuwanyisiganya kwonna okwa Airtel Money nga bikwatagana ne akawunti yo ng’okozesa Ppiini.

9.4 Wadde weetaagibwa okweyogerako ng’okozesa erinnya lyo epatiike, tolina kubuulira muntu yenna Ppiini yo omuli n’abakozi abali mu bifo wetusinziira okubaweereza.

10. OBUVUNAANYIZIBWA BWA KASITOOMA

10.1 Ojja kuvunaanyizibwa kukusasula ebisale byonna mu kuwanyisiganya kwokola kwonna ku Aitel Money ng’okozesa Ppiini yo, omuli byonna ebyakoleddwa ku akawunti yo wadde nga ggwe wabikoze oba muntu mulala yeyalagidde kyonna ekyakoleddwa, wabaddewo oba nedda, wakitegeddeko oba nedda n’ebisale byonna ebigenderako n’ensimbi ezisalibwako aba bbanka.

10.2 Ovunaanyizibwa ku bubaka bwonna bwofulumya obuyinza okutwalibwa nti butyoboola, bumenya mateeka oba nga bumenya amateeka agafuga obwannannyini era olina okufuba okulaba nti tetuyingizibwa mu kusongebwamu nnwe olw’ensonga ezo era ojja kusasulira ensimbi zonna zetunaaba tukozesezza mu kugezaako okwewala emitawaana gyotusuddemu.

10.3 Tolina kukozesa buweereza bwa Airtel Money kuzza misango.

11. OBUVUNAANYIZIBWA BWAFFE

11.1 Tweyama nti sente zonna zetusasuddwa ne sente endala zonna ezigenda ku akawunti abasigire gye balabirira z’obeera otaddeko ne baziteeka ku akawunti yo nga ziterekebwa aba Airtel Money Trust Fund nga bazikuterekera era omuwendo gwolina ku ssimu gwojja okufuna wonna wogwagalidde. Okkiriza nti tuyinza okutwala obubaka obuli mu Airtel Money nga bwebujulizi obwenkomeredde ku muwendo gwe tutwala okuba 22

nga gwolina ku akawunti yo era ffe, oba abasigire, tekitukakatako kukola kunoonyereza kwetongodde ku muwendo gwoyinza okuba nagwo ogutali ogwo ogulabikira ku akawunti yo. Olina era n’okukkiriza nti, bwekituuka kukusasula ensimbi eziri ku akawunti yo eziri ku akawunti abasigire gye balabirira, ffe oba abasigire tusobola okugoberera ebiragiro byowadde ng’okozesa PPIINI yo oba okugoberera ebiragiro ebirowoozebwa nti byowadde ng’okozesa PPIINI yo, wadde nga muntu mulala yayinza okuba nga yabiwadde.

11.2 Okiriza nti tulina obuvunaanyizibwa okubateekamu obwesige gye tuli nti tujja kugoberera ebyo amateeka byegatugamba n’okugoberera ebiragiro bya Bank of Uganda. Era n’oyongera okukkiriza nti, amagoba bwe gawera ku nsimbi abasigire ze balabirira, kitukakatako okuzitereka oba okukozesaako nga amateeka agatufuga bwe galambika ago agafulumizibwa Bank of Uganda, wansi w’amateeka agafuga eby’okusasula mu ggwanga.

12. OBUVUNAANYIZIBWA N’OKULEKEBWA EBBALI

12.1 Nekimala kijja nga kyetaagisa okukyusa mu nnamba z’abantu okusobola okutuukiriza amateeka agatufuga oba olw’ensonga endala yonna obuvunaanyizibwa bwaffe bujja kubeera mu kusigazaawo akawunti yo era bwekiba kisobose, okukyusa akawunti yo nebagiwa ennamba endala, bwekigaana, ojja kusaasulibwa sente eziri ku akawunti yo mu kkaasi.

12.2 Tuzisasula zonna ng’amateeka bwegalambika kyokka tugyamu abajulizi bonna, abaliwo awo oba abalowoozebwako.

12.3 Ng’amateeka bwegalagira, tetuvunaanyizibwa kusasula bisale byonna, ebiva mu kufiirwa, oba okwonoonebwa okukwatagana obutereevu oba obutali butereevu kw’ebyo bye tubawa, oba olw’obutabawa, obuweereza era tojja kukitukakaatikako okusasula ekintu kyonna ekiva ku kukozesa essimu yo oba kaadi y’essimu wadde nga ggwe abikozesa oba omuntu omulala yenna.

12.4 Tetujja kuvunaanyizibwa ku kyakulemererwa kukola mulimu gwaffe nga bwe gulambuluddwa wano singa kiba kivudde ku nkola za Katonda, nga kivudde ku gavumenti, obwegugungo bwa bakozi, omuliro, amataba, laddu, ebigwa bitalaze oba ebizibu ebirala byonna okuva mu bantu be tukola nabo, ebikozesebwa oba ekintu kyonna ekirala (ekifaananako bwe kityo) nga kissuka ku buyinza bwaffe. 23

12.5 Tetujja kuvunaanyizibwa mu ndagaano, wadde okuba n’omusango ku kintu ekivudde ku (bulagajjavu) oba okusasulira ekintu kyonna, oba okufiirwa kwonna oba okwonooneka kwonna, mu buliwo oba simubuliwo nga kyekuusa ku kuweereza oba obutaweereza omuli n’okufiirwa amagoba, bizinensi, sente ezandibadde ziterekebwa oba obubaka oba sente ezonoonekedde mu bintu ebiguliddwa;

12.6 Amaduuka gonna agatuusa ku bantu obuweereza bwaffe ne ba Ajenti beetengeredde era ffe tubakkiriza okutuusa ku bantu obuweereza bwa Airtel Money. Kyokka tekitukakatako mu mateeka era tetuvunaanyizbwa ku kintu kyonna abatutundirako kye bakoze mu bulagajjavu bwe babeera batuusa ku bantu obuweereza bwa Airtel Money.

12.7 Tetuvunaanyizibwa ku kufiirwa kwonna kwoyinza okutuukako okujjako singa kiba kizuuliddwa nti kuvudde ku bulagajjavu bwaffe oba olw’okuba twakoze bubi ekintu, tujja kuvunaanyizibwa ku kufiirwa kasitooma owa bulijjo ali mu mbeera gyolimu kyayinza okufiirwa so si okufiirwa okulala okwekuusa ku mbeera gyolimu; wadde nga tukitegeera nti embeera gyolimu siyabulijjo.

13. ENKYUKAKYUKA

13.1 Tuli ba ddembe okubaako kyetukyusa mu mateeka gano oba mu bisale essaawa yonna nga tetulina gwetutegeezezaako. Ebikyusiddwa bijja kutegeezebwa abantu mu kulanga mu mawulire, mu bubaka obw’oku ssimu, oba ku mutimbagano gwaffe oba nga tukozesa engeri endala yonna esaanidde ERA kijja kutwalibwa nti otegeezeddwa ku nkyukakyuka ezo wadde ng’oyinza okuba tokitegeddeko.

13.2 Mu kugenda mumaaso ng’okozesa obuweereza bwa Airtel Money ojja kutwalibwa nti wakkiriziganyizza n’enkyukakyuka ezoogerwako mu kawayiro ako waggulu. Bw’oba nga tokkiriziganya na nkyukakyuka eyo, awo tolina kukozesa Airtel Money ekitali ekyo ojja kutwalibwa nti okkirizza ekigenda mu maaso.

14. EBIRALA

14.1 Endagaano eno (nga bwejja okubeera ng’ekyuka oluvannyuma lw’ekiseera ekigere) erimu obuyinza obukusiba ggwe n’omuntu akweyimiridde ne b’otaddewo okutuukiriza obuvunaanyizibwa bwo. 24

14.2 Endagaano eno eyinza obutatuukira ku muntu mulala yenna.

14.3 Tewali kulemererwa oba okulwawo okuva gyetuli oba okuva eri kasitooma mu kutuukiriza ebimukakatako wano kijja kumuteekebwako musango nolwekyo, okukolako ekintu ekitundutundu tekijja kulemesa birala byonna kugenda mumaaso.

14.4 Bwe wabaawo akawaayiro konna mu mateeka gano akazuulibwa nga mu mateeka oba mu kkooti tekakyakola oba tekasobola kuteekebwa mu nkola, obutakola bwako oba obutateekebwa mu nkola obwa kawaayiro ako tekijja kukosa buwaayiro bulala bwonna obulimu n’amateeka amalala agatakoseddwa butakola oba obutasobola kuteekebwa mu nkola bwakwo, era amalala gonna gajja kusigala nga gakola.

15. ALIPOOTA NE SITATIMENTI

15.1 Osobola okusaba alipoota eraga byozze okola ku ssimu yo ebyekuusa ku Airtel Money ngokozesa essimu yo: -

15.1.1 Okumanya sente mmeka ezisigadde ku ssimu yo;

15.1.2 Okulaba obubaka obulaga okuwanyisiganya okw’emirundi ebiri egisembyeyo kwokoze ku Airtel Money nga kwakoleddwa ku ssimu yo;

15.1.3 Ekiragiro kyoli mu kuwa aba Airtel Money nga kiva ku ssimu yo;

15.1.4 Obubaka obulaga bye wakoze ku Airtel Money olunaku lwa jjo nga byonna byakoleddwa ku ssimu yo;

15.1.5 Obubaka mu bufunze obwebyo ebyakolebwa ku Airtel Money okuva ku ssimu yo olunaku lwonna;

15.1.6 Obubaka mu bufunze obw’ebyo ebizze bikolebwa ku Airtel Money nga bikolebwa ku ssimu yo omwezi oguwedde.

15.2 Alipoota y’ebyo byozze okolera ku ssimu yo tebijja kukuweerezebwa ku lupapula wabula bujja kujja nga bubaka obw’oku ssimu oba busindikibwe ku email yo okusiziira ku kyonooba osazeewo.

16. 16. OKULEMERERWA OBA OBUTAKOLA 25

Tetujja kuvunaanyizibwa ku kufiirizibwa kwonna okuva ku neetiwaaka obutakola, okukola obubi, oba okulwawo ku mukutu gwonna ogwa Airtel Money, oba ogwa Airtel, essimu, oba okulemererwa okuva ku netiwaaka endala zetukola nazo, nga kiva ku mbeera ezitusukako.

17. OKUKUUMA EBYAMBA, OBUTAASANGUZA WAMU N’OKUKUUMA DATA

17.1 Kikakata ku njuyi zombi okukuuma obwo obuwaayiro obulina okukuumibwa nga bwakyama, obubaka bwonna obutalina kwasanguzibwa nga bwekyakkiriziganyizibwako enjuyi zombi wamu n’obubaka bwonna obuyinza okumanyibwa mu kukozesa obuweereza era nga enjuyi zombi bajja kukozesa obubaka obwo nga bwe kisaanidde okubasobozesa okukola emirimu gyabwe oba nga bwekiragirwa mu mateeka.

17.2 Bwotyo okkirizza n’okuwa ettabi lya Airtel erivunaanyizibwa ku kuyisa sente ku ssimu okwasanguza ekikoleddwa kyonna oba obubaka bwonna obwekuusa ku akawunti yo eya Airtel Money eri omukwasisa w’amateeka yenna, ofiisa anoonyereza oba omuntu okuva mu kitongole ekitutwala nga mu bano mwe muli aba poliisi ye Uganda, aba Bbanka ya Uganda enkulu, aba Uganda Communications Commission (UCC), aba Financial Intelligence Authority (FIA), Inspectorate of Government (IGG), Ab’ekitongole eky’emisolo ki (URA) oba ekitongole ekirala kyonna n’ekigendererwa eky’okunoonyereza oba okubyasanguza eri omuntu omulala yenna gwe wateeka mu buwandiike okuyita mu nkola ya Airtel Money, nga wawa obuyinza ab’ettabi lino okumubuulira kyonna ekikoleddwa oba obubaka obukukwatako n’enkozesa yo eya Airtel Money, kasita kibanga nga okukkiriza okwo kwe wawa ettabi lya Airtel lino okuwa omuntu oyo omulala obubaka bwonna obukukwatako (atali omukwasisa w’amateeka, omunoonyereza oba ekitongole ekirondoola emirimu gya Aitel Money) nga olukusa luno lusobola okugibwawo essaawa yonna.

17.3 Okiriza nti singa akawunti yo ezuulibwa munnamateeka omukugu okuba nga eriko sente ezivudde mu buzzi bw’emisango oba okukuba zaala, Ettabi lya Airtel ery’eby’esente eziyita ku ssimu bayinza okwetaagibwa mu mateeka okuwaayo sente eziri ku akawunti yo n’ekigendererwa eky’okununula sente zino ezaafunibwa mu buzzi bw’emisango.

17.4 Ettabi lya Airtel ery’eby’esente eziyita ku ssimu mu Uganda bajja kuloopa bw’ebaba beekengedde ebyo byonna ebikolebwa ku akawunti yo eya 26

Airtel Money eri aba Financial Intelligence Authority (FIA) oba eri ebitogole ebirala ebikwasisa amateeka.

17.5 Okkiriza nti ettabi lya Airtel ery’eby’ensimbi eziyita ku ssimu basobola okutereka ebyo byokoze ku akawunti yo okumala emyaka kkumi (10) oba okumala ebbanga eriyinza okwetaagibwa mu mateeka.

18. OBUYINZA BW’OKUSASULA

Tujja kuba n’obuyinza okusasula omuwendo gwonna ogugibanjibwa eri Ajenti okusinziira ku mateeka agafuga endagaano eno eri ebbanja Ajenti ly’abanja ng’amateeka bwe galagira.

19. OKUMALAWO ENKAAYANA N’OKUTUULA MU NSONGA

19.1 Amateeka gano agafuga enkozesa ya Airtel Money gatwalibwa n’okuba wansi w’amateeka ga Uganda.

19.2 Enjuyi zombi zijja kufuba okulaba nga zimalawo obutakkaanya obuva ku kuteeka mu nkola amateeka gano okuyita mu kuteesa n’okukaanya.

19.3 Okujjako bwe kiba kirambuluddwa wano, ebibuuzo byonna ebiva mu butakkaanya wakati w’enjuyi zombi n’okwemulugunya ku nsonga yonna eziremeddwa okugonjoolwa wakati w’enjuyi zombi, zijja kusindikibwa eri omutabaganya nga ajja kulondebwa mu kukkiriziganya wakati w’enjuyi zombie mu nnaku amakumi asatu (30) ng’obutakanya butegereddwa, ng’enjuyi zombi zimaze okusaba okuwulirwa, akulira ekitongole nga yajja okuba omutabaganya omukulu.

19.4 Okutabagana kuno kujja kukolebwa mu Kampala okusinziira ku buwaayiro obwogera kukutabagana akawaayiro ak’okuna mu mateeka ga Uganda oba mu mateeka gonna agogera kukutabagana mu Uganda.

19.5 Ng’amateeka bwe galagira, omutabaganya omukulu kyanaaba asazeewo kye kijja okugenderwako era kijja kuba kya nkomeredde wakati w’enjuyi zombi.

20. OKUTWALIZA AWAMU 27

20.1 Ovunaanyizibwa ku kusasula ensimbi zonna ezinaakozesebwa mu kununula ebbanja lyonna lye tukubanja, omuli n’ensimbi za kkooti, ensimbi ez’okununula n’ez’okukunoonya wonna w’oli.

20.2 Tetukuvunaanyizibwako olw’okufiirwa kwonna kwofunye bwe wabaawo kyetutakoze oba kyetutakoledde muntu mulala yenna gwetuvunaanyizibwako nga kiva mu mateeka oba mu ndagaano.

20.3 Olina okututegeezaako mangu ddala ku nkyukakyuka y’ebyo bye watuwa ng’owandiisa kkaadi yo ey’essimu bye wawaayo eri ettabi lya Airtel lino.

20.4 Okiriza nti obubaka obukukwatako n’ebyo ebikwogerako, omuli n’obubaka obulaga nti ye ggwe, ebyo byokoze mu Airtel Money n’emboozi zonna z’okoze n’abantu baffe abatuula ku matabi gaffe ag’enjawulo oba ba Ajenti abakkirizibwa bijja kukwatibwa era biterekebwe, ku lw’okukuuma ebyafaayo, obutakka wansi wa myaka kkumi (10) okuva ku lunaku lwe wasembayo okukozesa oba akawunti yo lwe yaggalwa oba mu bbanga eddene bwerityo nga bwekirambikiddwa mu mateeka, oba mu bitongole ebitulondoola oba ebitongole ebirala ebigwa mu ttuluba eryo.

20.5 Obwannannyini bwonna ku bifaananyi bye tukozesa n’ebintu ebiraga ekitongole kyaffe eky’obuweereza bwa Airtel Money oba ebisangibwa ku biwandiiko byaffe byaffe oba abo abatuwa layisinsi. Okiriza nti tobirinaaako buyinza.

20.6 Kitukakatako okusindika obubaka mu kifo kye wawandiika gyobeera, oba mu bubaka obw’essimu ku ssimu yo, oba okukubira mu nnamba y’essimu gye wateeka mu foomu yo kweweewandiisiza

20.7 Okulanga kwonna, okw’amateeka n’okutali, kujja kusindikibwa ku bifo bino wammanga, oba mu bifo ebinaaba binokoddwayo: Eri Akulira, Airtel Mobile Commerce Uganda Limited, Airtel Towers, Plot 16A Clement Hill Road, P. O. Box 6771, Kampala, Uganda.

20.8 Wabula wadde guli gutyo, ebintu byonna ebiri mu kiwandiiko kino, eky’amateeka n’ebiragiro biri wansi w’amateeka n’ebiragiro ebya layisinsi eyatuweebwa aba Bbanka ya Uganda enkulu n’ekitongole kyonna ekirala ekirondoola bwetukola emirimu, n’etteeka eddala lyonna, n’ebiragiro oba endagaano gye tugoberera era n’eba ng’etusiba ffe oba ggwe. Ekintu kyonna wano bwe kiba nga kikontana n’obuvunaanyizibwa bwaffe obwalambikibwa mu layisinsi oba mu mateeka agatufuga, oba bwokola 28

omusango gwonna oba okulekayo okukola ekintu kye tutwala nti kimenya mateeka aga layisinsi, kijja kuba kitukakatako okukusasuza okufiirwa kwonna kwetunaaba tuguddemu nga tukusasuza engassi oba ekirala kyonna, oba bwoba olina ekiwandiiko kyomenye, oba okulekayo okukola amateeka gano kyegagamba okujjako ng’ekikyamu kyokoze kisobola okuterezebwa ekiddirira kuba kusazaamu buweereza bwe tubadde tukutuusaako.

20.9 Tewali kulemererwa oba okulwawo okuva gye tuli oba okuva gyoli mu kutuukiriza obuvunaanyizibwa obutukakatako obulambuluddwa wano kijja kukola ng’ekyekwaso, oba okukolako ekitundu ku buvunaanyizibwa bwo kinaagaana birala kweyongerayo oba okutuukiriza obuvunaanyizibwa obulambikiddwa wano.

20.10 Okulemererwa okuva eri enjuyi zombi okuteeka mu nkola obuvunaanyizibwa bwabwe obulambikiddwa mu mateeka gano ajja kubeera talina kyekwaso kyonna butakwatibwa mateeka kyokka tekitegeeza nti tubutwala nga buvunaanyizibwa bwaffe ku ludda lwaffe eri ekisobyo ekikoleddwa.

20.11 Eddembe lyonna erikuweebwa n’ebigenderako ebyogedwako wano, lisobola okweyongerako era liri wansi w’eddembe lyonna erirambikiddwa mu mateeka.

20.12 Kikukakatako okusasula ebisala byonna byetukozesezza mu kununula ebbanja lye tukubanja omuli ne sente zetukozesezza mu kkooti, zetukozesezza okununula sente z’obanjibwa ne zetutadde mu kukunoonya.

20.13 Ku lw’eby’okwerinda byo, olina okukuumanga Ppini yo nga yakyama oba ennamba yonna ekuyamba mu byokwerinda nga kyekuusa ku buweereza. Ennamba zetukuganya okukozesa nga tukuweereza zisigala nga zaffe obudde bwonna.

20.14 Eddembe ku bwannanyini ku bintu ebikozesebwa mu buweereza (omuli enkola ezikozesebwa) byaffe oba by’abo abakutuusaako obuweereza era tubituusa ku bakasitooma, wansi wa layisinsi ku lw’okukola omulimu oguteredde.

20.15 Okuggyako ng’okisabye mu buwandiike era ng’omaze n’okusasula ebisale eby’okukikukolera tetukuwa bubaka bulaga obuweereza obukutuusiddwako. 29

20.16 Bwe wabaawo akawaayiro konna akamateeka n’ebiragiro bino akanaazuulibwa omutabaganya, omuntu owa kkooti oba ekitongole kyonna ekitutwala okuba nga tekakyakola era tekasobola kuteekebwa mu nkola, obutakola bw’akawaayiro ako tebukosa buwaayiro bulala bwonna mu mateeka gano era bwo obuwaayiro obulala bujja kugenda mu maaso nga bukola bulungi.

20.17 Ebirango byonna ebikwatagana n’obubaka bwonna bwetwandyagadde obubategeeza buli kadde omuli n’enkyukakyuka eziyinza okuba nga zikoleddwa mu biragiro bino, okukyusaamu mu buweereza oba ebisale ebikyusiddwa mu buweereza, okutumbula obuweereza kwonna n’obubaka obulala bijja kuyita mu bulango mu mpapula z’amawulire agafuluma buli lunaku, mu bubaka ku ssimu oba kumutimbagano gwaffe, oba n’okukozesa omukutu omulala gwonna ogusaanidde OGUBABUULIDDWA. Ojja kutwalibwa nti otegezeddwa wadde ng’obubaka obwo buyinza okuba nga tebukutuuseeko.

20.18 Endagaano eno erimu okukkiriziganya kwonna wakati w’enjuyi zombi era emenyawo endagaano zonna ezaasooka oba enkolagana yonna eyali ebaddewo ey’ekika kyonna wakati w’enjuyi zombi bwe kituuka ku buweereza bwa Ajenti oba n’obw’obuweereza bwa Airtel Money. Wansi w’akawaayiro 13, okukyusaamu mu Ndagaano eno kujja kukkirizibwa nti kutuufu singa wabaddewo okuwandiika mu butongole era ne kuteekebwako emikono okuva eri enjuyi zombi.

20.19 Okujjako ng’ekiwandiiko kiraze bulala, eddembe eriri mu kiwandiiko kino n’eby’okukolebwa mu kiwandiiko kino bigenda byeyongera era nga kirungamizibwa amateeka. Okulemererwa oba okulwawo okuva my ttabi lye Airtel erikola ku by’okutambuza sente ku ssimu okuteeka mu nkola obuwaayiro bw’amateeka gano tekijja kugyawo ddembe ly’amateeka ago oba eddembe ly’okugateeka mu nkola essaawa yonna.

20.20 Ssinga wabaawo ekintu kyonna mu ndagaano eno, nga kigambibwa okuba nti kifu, tekikkirizibwa mu mateeka, nga kino kikakasiddwa okuva mu mbuga z’amateeka oba omuntu oyo alondeddwa okutawulula enkaayana, enjuyi zombi zijja kukola enkyukakyuka mu nsonga eyo, n’ekiruubirirwa eky’okutuuka ku kukaanya, nga tewaliiwo kutataaganya mu birala ebisigadde mu ndagaano, era ejja okusigala ng’ekola ku njuyi zombi.

21 OKUKUUMA N’OKUZIBIRA DATA 30

21.1. Ekitongole ki AMC Uganda kimanyi bulungi omugaso gw’okukuuma n’okuzibira obubaka bwonna obuweebwayo abantu abakozesa empeereza ya Airtel money, wamu n’ebibakwatako. Ekiwandiiko kino kiriwo okukkaattiriza obweyamo bwaffe nti tussa ekitiibwa mu ddembelyo ery’obutasaanguza bikukwatako.

21.2. Airtel ekung’aanya butereevu, oba okuyita mu banywanyi baayo ba MNO, oba ba ageenti abalala, obubaka obukukwatako bwetukozesa okumanya abo abakozesa empeereza ya Airtel money, bwetyo n’esobola okugaba akawunti za Airtel money, okutereeza ebikwatagana ne Airtel money, wamu n’okuwa obuyambi eri abo abakozesa empeereza eyo. Nabwekityo toteekeddwa kuwaayo bubaka bwa bulimba, obutali butuufu, obutaweddeeyo, oba obuwabya. Era kikukakatako okugondera obuvunaanyizibwa bwonna obuteekeddwawo wansi w’amateeka n’ebiragiro ebimanyiddwa, era nga tebitaliza na tteeka erifuga entambuza ya ssente mu ggwanga, kiyite Nationak Payments Systems Act, 2020, etteeka erifuga okukumpanya ssente (Anti-Money laundering Act, 2013) etteeka erirung’amya eby’empuliziganya wano mu Uganda (Uganda communications commission Act, 2013), etteeka erifuga okwewandiisa kw’abantu (the Registration of Persons Act, 2015), etteeka erirung’amya okuyingirira eby’empuliziganya (the Regulation of Interception of Communications Act, 2010), etteeka erifuga okukuuma n’okuzibira ebikwata ku biwandiiko (the Data Protection and Privacy Act, 2019), n’amateeka amalala gonna agali wansi w’ago.

21.3. Okutereka, nga bwekirambikiddwa mu ndagaano eno, ekitongole ki AMC Uganda tekigabana bikukwatako n’abantu abatakkirizibwa. Era watereeddwawo obukuumi obumala okuziyiza okumala gatuuka ku ebyo ebikukwatako eri abo abatakkirizibwa kubimanya, nga kino kikoleddwa okusobola okukakasa nti tukuuma butiribiri ebikukwatako.

21.4. Okkiriza nti okugenda mu maaso n’okukozesa empeereza ya Airtel money, ebimu ku bikukwatako bijja kuweebwayo eri omuntu oyo akuweereza oba gw’oweereza ssente, era nti bijja kubeerawo eri omuntu omulala yenna eyeenyigidde mu kukozesa empeereza eno awatali kukugirwa, banywanyi b’ekitongole ki AMC Uganda omuli aba MNO, nga bano bebagaba zi SIM Kkaadi, oba omukutu gw’empuliziganya empeereza ya Airtel money kweyitira, ba ajeenti ba Airtel money, abaweereza ba Airtel, abakola mu mpeereza ya Airtel money pay, abakolagana ne AMC Uganda okutuusa 31

ebintu oba empeereza ku bantu nga bayita mu nkola eya Airtel money okugeza nga okuwanyisa ssente okuva mu mawanga agali ebweru wa Uganda(International money transfers), Looni z’oku ssimu wamu n’okweterekera, okusasula ebisale by’ebikozesebwa, bbanka wamu ne zi ATM. Na bwekityo owadde olukusa eri ekitongole ki AMC Uganda, okugabana, okuwaayo oba okwasaanguza eri omuntu ow’okusatu, gwewakola naye endagaano oba gw’oteekateeka okukola naye endagaano (era otegeezeza AMC mu buwandiike, oba mu bubaka obuyitira mu nteekateeka ya Airtel money, ku kigendererwakyo kino), ebikukwatako gwe ng’omuntu omuli n’okuwanyisiganya kwa ssente kw’okoze, obubaka obukukwatako oba ebikwata ku akawunti yo eya Airtel money, oba engeri gy’okozesaamu obuweereza bwaffe, kasita kiba nti obuyinza obuweebwa ekitongole ki AMC Uganda okwasaangusa obubaka bwonna eri omuntu oyo ow’okusatu (nga ssi bya kukwasisa mateeka, kunoonyereza oba kulung’amya) nga byekuusa ku kawaayiro kano, biyinza okujjibwamu essaawa yonna.

21.5. Okkiriza nti ekitongole ki AMC Uganda kiyinza okukakasa ebikukwatako, nga kiyita mu mikutu egy’olujjudde, oba egyo egikozesebwa gavumenti yokka, okusobola okugondera okulung’amizibwa okwateekebwawo.

21.6. Okkiriza nti ekitongole ki AMC Uganda kijja kuba n’olukusa okulondoola enkozesa ya akawunti yo, ate nga kiyinza n’okuwaayo obubaka obukukwatako eri ab’obuyinza oba ebitongole ebinoonyereza oba ebitongole bye gavumenti, mu kuyambako okuziyiza, okuzuula, oba okuziyiza ebikolwa eby’okukumpanya ssente, okuvujjirira ebikolwa eby’obutujju, obubbi bwa ssente, oba emize gyonna egimenya amateeka, oba mu ngeri ey’okugondera amateeka, ebiragiro ebitulung’amya, ebiragiro bya kkooti, oba ensonga yonna eyekuusa ku kugondera amateeka.

21.7 Okakasa nti obubaka bw’owaddeyo nga wewandiisa okweyunga ku mpeereza eno bwebwo obutuufu era bwa mazima, era kikukakatako okubutereeza oba okututegeezaako amangu ddala ssinga wabaawo ekikyukamu mu bikukwatako.

21.8 Okkiriza, era okutwadde olukusa okufuna ebikukwatako ng’omuntu, omuli ebiwandiiko, okuwanyisiganya kw’okoze okola ku ssimu, n’ebirala, okuva eri bannaffe betukolagana nabo, aba MNO, gyewewandisa bwewali ofuna 32

SIM kaadi kati gy’okozesa okufuna empeereza za Airtel money, oba gyewasooka okufunira empeereza za Airtel money.

21.9 Okukkiriza okukung’aanya, okukozesa, n’okutereka (mu Uganda n’ebweru wa Uganda) ebyo ebikukwatako, olw’okutusobozesa okukuwandiisa olw’empeereza eno (nga muno mwemuli empeereza eziriwo kati n’ezo ezirijja mu maaso) oba okutunda, oba ebikolwa byonna eby’ekisuubuzi ebikolebwa ekitongole ki AMC Uganda (ne banywanyi baakyo) oba n’enkozesa endala yonna ekkirizibwa wansi w’amateeka ga Uganda.

21.10 Abakozi b’ekitongole ki AMC Uganda, abakola omulimu gw’okukung’aanya ebikwata ku bantu, bateekeddwa kino okukikuuma nga kya kyama, era tebakkirizibwa kumala gaasaanguza bikwata ku bantu abo bebajjeeko obubaka, ate okubuwa eri abantu abalala abatakkirizibwa kubumanya. Abakozi ba AMC Uganda era balina obuvunaanyizibwa okukuuma obubaka ne munda, nga ssinga wabaawo omukozi yenna amenya enkola eno ey’okuzibira obubaka, awo aba ajja kukangavvulwa.

21.11 Omuntu yenna aliko obubaka bwawaayo eri ekitongole ki AMC Uganda ng’ayita mu nteekateeka ya Airtel Money, ayinza okuweebwa omwagaanya okutuuka/okufuna obubaka obwo. AMC Uganda etaddewo enteekateeka ezisobozesa okutuuka ku bubaka obuweereddwayo wamu n’okubutereeza.

Weetegereze; Amateeka n’okukwakkulizo ebifuga empeereza ya Airtel money, ebiwandiikiddwa mu bufunze, bikubiddwa emabega ku lupapula ba kasitoma kwebewandiisiza, era osobola okulufuna wonna awali ba ajeenti ba Airtel money, amaduuka ga Airtel, ne ku kibanja kyaffe eky’okumutimbagano ekiri ku www.airtel.co.ug/termCondition.

ENDAGAANO Y’OBUHEEREZA BWA AIRTEL MONEY (EBIRAGIRO N’OBUSHONSHOREKYE)

1. ENDAGAANO

Endagaano egi erimu ebiragiro byona n’obushonshorekye ebirikukwebembera omu kukoresa n’okutunga obuheereza bw’esente aha simu (“Airtel Money”) erikushobororwaho omu kihandiiko eki kandi okwikiriza ebiragiro ebyo, nooba wataaha omu ndagaano eri ahagati yaawe na, AIRTEL MOBILE COMMERCE UGANDA LIMITED(“erikumanywa nka AMC Uganda”) omuhunguzi narishi omusika omu bizinesi (Obuheereza bwa Airtel Money) eya Airtel Uganda Limited ( “MNO”).

Ku orikutunga nainga kukoresa obuheereza bwa Airtel Money, nooba waikiriza kukuratira ebiragiro n’obushonshorekye ebi kandi okukorera hamwe n’abahunguzi baawe narishi abasika nainga abajwekyerwa abaikiriziibwe kandi barikukuratira ebiragiro ebi n’obushonshorekye hamwe n’ebyo ebirikuba by’ongyeirwemu. (“ nainga ebiragiro ebirikukuratirwa”).

Nahabw’ekyo nooshabwa kushoma kandi okeetegyereza ebiragiro ebi. Ku oraabe otarikwikiriza ebiragiro ebirikukuratirwa, nooshabwa okutagumizamu kwehandiikisa aha nkora y’ obuheereza bwa Airtel Money.

Ebirikutukwataho

Kampuni ya Airtel Mobile Commerce Uganda Limited (“AMC Uganda”) ni kampuni eyetongoire ahabwayo (eyatairweho omubiragiro kandi erikujunaanwa yonka (Private Limited Liability Company) eyahandiikisiibwe omu Uganda aha namba 80010003488648/123833, ekirikukwatanisa hamwe na Airtel Uganda Limited, kandi neitaagi rya Airtel Africa plc. Kurugiirira aha kiragiro ekya National Payment Systems Act, 2020,obu kyaaza omu nkora, AMC Uganda ekatandika kutwara omu maisho obuheereza bwa Airtel Money kuruga aha MNO. AMC Uganda ekaikirizibwa kandi neekuratira ebiragiro bya Bank of Uganda ahansi y’enkora erikumanywa nka Payment Systems Operator (Enkora y’okurabya esente omu byoma ebya tekinorogye.) aha namba ya raisensi PSO 01/21 n’omuheereza omu by’okushashura naingashi Payment Service Provider (Class A) aha namba ya raisensi PSP 01/21 eyabahairwe ebiro 6 okweezi kwa kataano , 2021. Endagiriro

yaitu ehandiikirwe n’ekitebe kyaitu ekikuru ekya bizinesi nikishangwa aha Airtel Towers, Plot 16A, Clement Hill Road, Nakasero. Nobaasa kututeerera esimu ahari +256200202003 ,koresa email ahari customerservice@ug.airtel.com nainga website ahari www.airtel.co.ug okumanya bingi ebirikukwata ahari AMC Uganda, nainga yimata 100 ahari Customer Helpline ku oraabe oine okwetomboitwa nainga hariho eki orikwenda kumanya aha buheereza bwa Airtel Money .

2. OKUSHOBOORORA AMAKURU G’EBIGAMBO

Omu biragiro ebi ebirikukuratirwa hamwe n’ebigambo nibiija kuguma biine amakuru aga, okwiihaho ku birikuba nibyetenga kuhindurwa kurugirira omu mikoreseze yaabyo: -

“Account” Nikimanyisa akawunti ya kasitoma wa Airtel Money ,nikyo kihandiiko ekiturikusigaza ekirikworeka omuhendo gw’esente omu nkora eya tekinorogye, ezi kasitoma arikuba aine kandi nigujwekyerwa esente eza buriho ezi abahunguzi narishi abarikuba bahairwe orusa barikubiika omu akawunti yaabo omuiziina rya kasitoma.

“Agreement” nikimanyisa endagaano erimu ebiragiro ebirikukuratirwa hamwe na foomu naingashi ekihandiiko eky’okuhandiikisa SIM Card, Endagaano ezirikwongyerezibwaho, endagiriro z’Ebishare, hamwe n’ebihandiiko ebiturikubaasa kugyenda nituhinduramu.

“Airtel Money Account” nikimanyisa akawunti ya kasitoma wa Airtel Money kandi n’ekihandiiko ekiturikusigaza kirikworeka omuhendo gw’esente za kasitoma omu nkora ya tekinorogye kandi zirikujwekyerwa omuhendo gw’esente eza buriho ezirikuba zibiikirwe abahunguzi abaronzirwe kukora omurimo ogwo omu akawunti yaabo /zaabo omwiziina rya kasitoma;

“Airtel Money Customer Terms of Use”nikimanyisa Endagaano egi eri ahagati ya AMC Uganda hamwe na bakasitoma baayo omu bintu ebikwatiraine n’obuheereza bwa Airtel Money, nk’oku erikubaasa kugyenda neehindurwa AMC Uganda eshaaha yoona.

“Airtel Money Agent” nikimanyisa omuntu owuturikuba tutaireho kandi tumuhandiikire okuhisya aha bantu obuheereza bwa Airtel Money.

"AMC Uganda”nainga "itwe" nainga “ekyaitu” nikimanyisa Airtel Mobile Commerce Uganda Limited, eyi endagiriro yaayo ehandikirwe erikushangwa aha Airtel Towers, Ekibanja 16A, Clement Hill Road, P. O. Box 6771, Kampala, Uganda, kandi nibo baine enkora ya tekinorogye y’okushashura esente / Payment Systems Operator (Electronic Money Systems/enkora ya tekinorogye omu by’esente) Raisensi nainga orusa rw’obuheereza bw’okukora ahaby’esente (Omuringo A) eyabahairwe Bank of Uganda.

“Airtel Money Balance” nikimanyisa omuhendo gw’esente omu byoma bya tekinorogye ogurikuguma niguhinduka kurugirira nk’oku orikwongyera esente aha akawunti yaawe.

“Airtel Money Instructions” nikimanyisa ebiragiro ebirikuheebwa okuraba omu sms (obutumwa omu bugufu)/USSD nainga Airtel Money App okuhika omu nkora y’ebyoma bya tekinorogye ebya Airtel Money ,okutwara esente eziri omu muringo gw’ebyoma bya tekinorogye kuruga ahari kasitoma okuza aha ndiijo nainga ekikorwa ekindi okuhikiiriza ekikorwa aha Airtel Money.

“Airtel Money Merchant” nikimanyisa omushubuzi w’ebintu nainga obuheereza orikwikiriza kushashurwa esente zirikuraba omu nkora ya tekinorogye aha simu ahabw’ebintu nainga obuheereza obu aine.

“Airtel Money Services” Nikimanyisa obuheereza bwaitu ahabw’okwihayo n’okwakiira sente omu nkora y’ebyoma ebya tekinorogye hamwe n’okwoheereza sente omu nkora y’ebyoma ebya tekinorogye omuri ba kasitoma kurugirira aha biragiro bya Airtel Money, obwo harimu n’okuhandiika byona ebirikukorwa aha Airtel Money. Okuhamya byoona ebirikukorwa aha Airtel Money, okuhendera n’okugarura busya ebihandiiko ebirikukwata aha akawunti za ba kasitoma.

“Airtel Money System” nainga “Airtel Money” Nikimanyisa enkora yaitu ey’okuhikiiriza obuheereza bwa Airtel Money.

“Airtel Money Trademarks and Trade Names” nikimanyisa amaziina ga Airtel Money n’akamanyiso kaitu.

“Airtel Money Transactions” nikimanyisa ebikorwa byona ebirikureetera akawunti ya kasitoma okuteebwaho esente nainga okwihwaho esente omu nkora

ey’ebyoma bya tekinorogye zitari za buriho kandi omu, harimu ebikorwa byoona ebirikushoboororwaho omu nshumikanwa eya 4.

“Airtel Money User Guide” nikimanyisa ekihandiiko ekirikushoborora enkora ya Airtel Money n’emigasho yaayo.

“Airtel Money App”nikimanyisa enkora ya AMC Uganda ey’okwereeberera erikushangwa aha simu za Android na iOS ez’omungaro, kasitoma wa Airtel Money eyi arikubaasa kukoresa okubaasa kutunga enkora ya Airtel Money okusindika n’okwakiira sente.

“Bank Airtel Money Instruction” nikimanyisa ekiragiro kya Airtel Money ekirikuha banka erikukwatanisa nayo orusa n’okugiikiriza okwiha sente aha akawunti yaawe omu banka egyo, ekazita aha akawunti y’abahunguzi kurugirira aha muhendo ogurikwingana noogwo oguragiriirwe, okuruga aha akawunti yaawe eya Airtel Money.

“Cash” nikimanyisa omuringo gw’esente ogurikwikirizibwa omu biragiro okukoresibwa omu Ihanga rya Uganda;

“Cash-in Transaction” nikimanyisa enkora y’okushashura esente eza buriho (KAASHI) owa agyenti wa Airtel Money okugura esente ezirikureebekyera omu byoma ezitari za buriho nainga esente ez’omubyoma bya tekinorogye kugira ngu ziije aha akawunti yaawe.

“Cash-out Transaction” nikimanyisa enkora y’okwihaha esente eziri omu muringo ogutari gwa sente eza buriho ezirikureebwa, kuruga aha akawunti yaawe bwanyima okatunga ezo eza buriho (Kaashi) kuruga ahari agyenti wa Airtel Money.

“Confirmation SMS” nikimanyisa obutumwa omubugufu (SMS) oburikworeka ebikorwa byona omu bwijwiire oburikuheebwa omuntu owaarugwaho sente hamwe noogwo owaazaakiira ahanyima y’okuhendera ebikorwa ebirikwetengwa aha Airtel Money.

“Credit Balance” nikimanyisa omuhendo gw’esente z’omubyoma omu nkora eya tekinorogye nk’oku gurikuguma nigweyongyera aha akawunti yaawe.

“Credit Transaction” nikimanyisa ekikorwa kyoona ekirikutuma esente ez’omu byoma bya tekinorogye zirikweyongyera aha akawunti yaawe.

“Customer”or “you” nikimanyisa omuntu orikuba ayehandikiisze aha Airtel Money hamwe n’odiijo muntu weena (harimu omuntu orikuisya nainga ebitongore ebirikubaasa kujunaanwa omu biragiro nainga ekibiina ekirikukora bizinesi ekimanyirwe) kandi akawunti y’obuheereza bwa Airtel Money ehandikirwe omuiziina ryakyo.

“Commencement Date” nikimanyisa ebiro by’okweezi, obu orikuta omu nkora obuheereza bwa Airtel Money aha SIM card yaawe nainga ebiro by’okweezi obu ebiragiro by’okukuratira birikutandika kukuratirwa nk’okukyoreekirwe omu kihandiiko eki;

“Debit” nikimanyisa okwiha esente ezitari za buriho narishi eziri omu muringo ogwa tekinorogye aha akawunti yaawe eya Airtel money.

“Customer Service Centre(s)” nikimanyisa omwanya(emyanya) erikushangwamu obuheereza bwaitu kandi endagiriro yaayo eyorekirwe kurungi omu kitabo kyendagiriro zaitu.

“Debit Transaction” nikimanyisa ekikorwa ekirikurugirira omukwiha esente aha akawunti yaawe nk’oku zirikuba zihamiibwe enkora ya Airtel money omu byoma ebya tekinorogye.

“Designated Payee” nikimanyisa omuntu weena (harimu iwe, kasitoma ondiijo, agyenti nainga omushubuzi owa kamwe kamwe owahairwe orusa) orikuba oikiriziibwe iwe, kuraba omu sms (obutumwa omu bugufu) , kugira ngu abe niwe yayakiira esente aha simu kuruga aha akawunti yaawe.

“Default PIN” nikimanyisa enamba y’ekihama ey’emyanya 4 ey’orikuheebwa waaheza kwehandikisa kugira ngu ogikorese omurundi gumwe orikuta akawunti yaawe omu nkora kandi ahahabw’eshonga z’eby’okwerinda , nooshabwa kugihindura ahonaaho, bwanyima otunge PIN endiijo.

“E-Money” nikimanyisa omuhendo gw’esente omu nkora eya tekinorogye ogurikueebwa omu akawunti yaawe eya Airtel Money gurikujwekyera omuhendo

gwesente eza buriho ezibiikirwe omu akawunti y’obuhunguzi(Turasiti) ezirikubaasa kwihwayo zirikuraba ahari agyenti wa Airtel Money aha muhendo gw’esente eza buriho(kaashi) ezirikwingana nazo;

“E-Value” nikimanyisa omuhendo gw’esente omu byoma bya tekinorogye oguhandiikire omu akawunti ya kasitoma. Omuhendo gw’esente omu byoma bya tekinorogye nigujwekyera omuhendo gw’esente ezaburiho, ezibiikiirwe kasitoma aha akawunti y’obuhunguzi (turasiti).

“Fees” nikimanyisa ebishare ebirikushangwa ahansi y’endagaano egi ey’obuheereza bwa Airtel money.

“Goods and/or “services nikimanyisa obuheereza n’ebintu ebirikugurwa kuruga aha bashubuzi ba Airtel money barikukoresa esente eziri omu nkora y’ebyoma ebya tekinorogye(e-money) hamwe n’enkora ya Airtel money.

“Inactive” omu shonga ezikwatiraine na SIM card, nikimanyisa ngu emazire ebiro 90 ebikurataine, etarikukora emirimo ei eshemeraire kuba neekora.

“Licence” nikimanyisa ebaruha erikukwikiriza obwo harimu n’ebyongyeirwemu nk’okugigarura busya nainga okugigaruraho kandi neetuheebwa Bank of Uganda omu nkora ya National Payment Systems Act, 2020 okukora aha mirimo y’okushashura esente barikuraba omu nkora y’ebyoma ebya tekinorogye omu Ihanga erya UGANDA.

“MNO”nikimanyisa Mobile Network Operator nainga Airtel Uganda Limited ekwataniisize na AMC Uganda okuhikiiriza obuheereza bwa Airtel Money erikuraba omu mpurizagana zaayo okwetoroora Eihanga.

“MNO Network” nikimanyisa enkora y’ensi yoona omu by’empurizagana narishi Global System for Mobile Communications (GSM) nainga empurizagana erikukorwa batataahi baitu aba Airtel Uganda Limited ( MNO),ekitongore ekyahairwe orusa omuihanga okukora emirimo y’eby’empurizagana omuihanga rya Uganda abu abatuhaire bizinesi ya Airtel Money kurugirira aha kiragiro ekyahinguziibwe kandi abu tukwatanisize nabo omu buheereza bwa Airtel Money kuraba aha nkora yaayo eya GSM .

“Mobile Equipment” nikimanyisa esimu yaawe ey’omungaro na SIM card hamwe n’ebindi byoma eby’orikubaasa kukoresa hamwe, bikakubaasisa kutunga obuheereza bwa Airtel Money .

“Mobile phone “nikimanyisa esimu yaawe ey’omungaro.

“MSISDN” nikimanyisa enamba y’okwehandikisa aha buheereza bwa tekinorogye obwahamwe eyakuhairwe hamwe na SIM card hamwe n’enamba erikushushana nayo na PUK ey’okuhikwaho empurizagana ya MNO.

“National Payment Systems Act” nainga “Act” nikimanyisa ekiragiro ky’Eihanga eky’enkora y’okushashura, 2020.

“Nick-name” nikimanyisa eiziina ery’omutaano eriine emyanya 3 kuhisya7 eririkukoresibwa okubangira kasitoma n’okwongyera ahaby’okwerinda. Kasitoma nabaasa kutaho kandi ahindure eiziina eryo eshaaha yoona.

“NIN” omu buijwiire nikimanyisa National Identification Number-egi n’enamba y’eihanga ei orikumanyirwaho nk’oku ehandiikirwe omu ndanga muntu yaawe;

“Originating Party” nikimanyisa kasitoma nainga agyenti wa Airtel Money orikutandikaho ekikorwa kya Airtel Money, bwanyima esente eziri omu byoma bya tekinorogye zikagyenda aha muntu orikuzaakiira.

“Payment” nikimanyisa esente ezirikushashurwa agyenti wa Airtel Money ahabw’okugura omuhendo gw’esente ogurikwingana n’ogwo oguri omu byoma bya tekinorogye ogurikuteebwa aha akawunti yaawe.

“PIN” nikimanyisa enamba y’okukumanyiraho nk’omuntu eine emyanya 4 kandi niyo namba y’ekihama ey’orikutoorana okubaasa kukoresa aha akawunti yaawe.

“Pre-paid Airtime”nikimanyisa esente ez’orikuta aha simu okuteerera enamba eziri ahampurizagana y’amasimu;

“Recipient” nikimanyisa kasitoma nainga agyenti wa Airtel Money orikuba atorainwe kwakiira esente ezitari za buriho (e-money) aha simu .

“Registration Form” nikimanyisa ekihandiiko ekibarikwijuza bwanyima kikaheebwayo ahabw’okuhandiikisa SIM card, obuheereza bw’empurizagana nainga obuheereza bwa Airtel money ekirikushangwamu ebirikukukwataho hamwe n’ebirikukwata ahakwehandikisa n’okwikiriza ebiragiro by’okwejunisa enkora.

“Regulatory Authority” nikimanyisa Banka ya Uganda enkuru, ekitongore ky’eihanga ekirikureeberera eby’empurizagana nainga ekindi kitongore kyona ekirikwetengwa nainga ekitongore ekirikubaasa kubebembera omu biragiro ebirikubaasa kuguma nibihindurwa.

“Service” or “Services” nikimanyisa obuheereza bwa Airtel Money nainga obundi buheereza obwiine nabo akakwate ,obuturikuguma nitukuhisyaho.

“SIM Card” nikimanyisa ekikwato eki orikukoresa omu kyoma ekikishemeraire kirikubaasa kukuhisyaho obuheereza bwa Airtel money.

“SMS” nikimanyisa okusindika obutumwa omu bugufu kuruga aha simu emwe okuza aha ndiijo burikuraba omu mihanda y’empurizagana y’amasimu g’omungaro.

“Tariff Guide” nikimanyisa ekihandiiko ekirikworeka ebishare ebirikushashurwa omu kukoresa obuheereza bwa Airtel Money nko’ku bihandiikirwe omu myanya yaitu y’okukoreramu, aha myanya ya ba agyenti hamwe na Website yaitu ahari https://www.airtel.co.ug/

kandi nibiguma nibihindahindurwamu obwiire bwona.

“Terms of Use” nikimanyisa ebiragiro n’obushonshorekye ebirikushangwa omu ndagaano egi kandi nitubaasa kuguma nitubihinduramu.

“Transaction” nikimanyisa ekikorwa kyona ekirikurugiiriramu akawunti ya kasitoma okuteebwaho sente nainga kwihwaho sente eziri omu muringo ogw’ebyoma bya tekinorogye ezitari za buriho kandi hariho n’ebindi bikorwa ebishoborwairweho ahaifo.

“Transaction Fees” nikimanyisa ebishare ebi orikushashura ahabw’okukoresa obuheereza bwa Airtel Money nk’oku birikuguma nibihindurwa omu kihandiiko eky’endagiriro nainga aha Website nk’oku bihandiikirwe.

“Transaction ID” nikimanyisa enamba ya risiiti ey’omutaano, erikuheebwa na buri kikorwa kya Airtel Money erikukoresibwa omu kukuratirira n’okumanya ebikorwa bya Airtel money byona ebyahika aha akawunti yaawe.

“Trust”nikimanyisa “enshaho ya Airtel money eyatairweho”Fund”, ekitongore ekirimu abantu, (Abahunguzi) abatorainwe kandi bakahamibwa Bank of Uganda okureeberera akawunti ezabakwasiibwe.

“TrustAccount” nikimanyisa akawunti ya banka ei twine omu banka ey’abashuubuzi nk’oku ebiragiro birikugamba. Ebikorwa by’okushashura byona nimwo birikukorerwa kandi nereebererwa abahunguzi (trustees) omwiziina rya ba kasitoma ba Airtel Money.

“Trust Deed” nikimanyisa ekirangiriro ky’obuhunguzi hamwe n’ebindi ebirikugyenda nibyongyerwamu abukirikukwataho , kandi nibareeberera esente zoona ezirikwakiirwa kuza aha akawunti yaawe kurugirira aha biragiro n’obushonshorekye nk’oku birikugamba.

“Trustee(s)” nikimanyisa omuntu(abantu) abatorainwe kandi bakahamibwa Bank of Uganda okureeberera akawunti y’obuhunguzi, barikukorera hamwe nk’orukiiko orwebembezi orwahairwe obujunanizibwa.

“USSD” nikimanyisa obuheereza bw’ekikugu obwongyeirwemu tekinorogye erikuraba omu Data okubaasa kuhisya amayengo omu by’empurizagana.

“you” nikimanyisa iwe kasitoma.

"we" or "us" or “our” nikimanyisa Airtel Mobile Commerce Uganda Limited nk’ekitongore

3. OKWIIGURA AKAWUNTI YA AIRTEL MONEY N’OKUGIREEBERERA.

3.1 Omuntu weena oyehandikisize ahankoa y’esimu y’omungaro, egaisirwe ahampurizagana y’amasimu omu Uganda kandi aine SIM Card ehandiikirwe, nabaasa kutunga obuheereza bwa Airtel Money.

3.2 Nobaasa kuhayo okushaba kwawe okwehandiikisa obaase kutunga

akawunti ya Airtel money emwe yonka aha SIM card yoona erikukora.

Noshabwa kuba oine SIM card ya Airtel money erikukora ekabaasa

Kukuhisya aha puratifoomu ya Airtel Money nainga obuheereza bwayo.

Nobaasa kuhindura SIM card egyo aha bishare by’ahansi kurugirira aha

Buhabuzi, obu oraije kuheebwa otunge sim card erikukora gye.

3.3 Noobaasa kwehandiikisa na MNO okutunga obuheereza bwa Airtel money aha myanya yaitu nainga ahari ba agyenti baitu abaikiriziibwe otoorane akashanduukye akahikire aha foomu ey’orikwijuza, ekirikworeka ngu oine ekyetengo, okwkiriza kwehandiikisa nainga okutaaha omu ndagaano y’okwehandiikisa kukoresa obuheereza bwa Airtel money oburikuheebwa aha SIM card.

3.4 Aha bwiire bw’okuhayo foomu y’okwehandiikisa, noija kushabwa kuhayo enamba yaawe ya Airtel (MSISDN), eiziina ryawe omu bwijwiire, ekishushushwane, enamba y’endanga muntu, enamba ya ID , endagiriro y’obutaaho, omwanya ogu orikukoreramu kuguraabe guriho, ebiro byokwezi, okweezi n’omwaka oguwaazaariirwemu, eihanga ryaawe, ekikura, n’okumanya kasitoma waawe kurugiirira ahakubaraije kukubuuza nk’oku ebiragiro birikwetenga.

3.5 Kopi z’endanga muntu hamwe n’ebishushwane byaawe nibibaasa kusigara na agyenti orikukuhwera omu nshonga z’okwehandikisa.

3.6 Akawunti ya Airtel Money ku orikugita omu nkora, nooba waatwikiriza okutunga, okukoresa n’okukora aha birikukukwataho ebi ohaire MNO orikuhandikisa SIM card, kugira ngu obaase kwehandiikisa aha buheereza bwa Airtel Money.

3.7 Byoona ebi orikuhayo bishemeraire kuba birimu amazima, bihikire,

bijwiire kandi bitereraire omu muringo gwona. Toshemeraire kuhayo

ebitahikire nainga ebirikubuzaabuza.

3.8 Noojunaanizibwa okureeba ngu ebirikukukwataho omu kwehandikisa

byaguma biri aha murembe.

3.9 Okushaba kwaawe obwo harimu Foomu y’okwehandikisa nitwiija kubishwijuma nainga bishwijumwe agyenti owuturikuba tuhaire orusa okuhamya ngu waijuza byona ebirikwetengwa kandi naija kuhamya ebirikukukwataho obwo arikukora kopi z’ebyo ebi orikuhayo.

3.10 Nitubaasa obutaikiriza okushaba kwaawe omu kusharaho kwaitu twenka.

3.11 Nitubaasa obutaikiriza kukwiguriraho akawunti kuturikuba tutaikirizaine

n’obuhame bwaawe nainga ebirikwetengwa kwiiguraho akawunti.

3.12 Twiine obujunanizibwa okukubuuza bingi ebirikukwata aha akawunti

yaawe, eshaaha yoona kandi kukirikuba kitahikiriire, obuheereza bwa Airtel

money ahariiwe nibubaasa kukyendeera, akawunti tugyemereze, nainga

tugikinge.

3.13 Ahanyima y’okwehandikisa aha buheereza bwa Airtel money, noija kuheebwa PIN narishi enamba y’ekihama ey’okukoresa omurundi gumwe kandi otunge sms erikuhamya ngu akawunti yaawe eya Airtel money yaigurwa.

3.14 Ku orikuheza kuta akawunti yaawe omu nkora obwo waaheza kutamu enamba y’ekihama eyaahonaaho (Default PIN) , noija kushabwa kutoorana enamba y’ekihama (PIN) , bwanyima noija kuba noikirizibwa okutunga obuheereza bwa Airtel Money waaheza kushashura.

3.15 Kurugirira aha bwekambi bwa AMC Uganda n’okushwijuma kwayo, noobaasa kutunga ekihandiiko ekirikukwata aha akawunti yaawe omu butongore kuruga omu mihanda yaitu eyaikiriziibwe kandi okutunga ekihandiiko eki, hariho omushoro ogu oine kukishashurira. Ekihandiiko ekirikukwata aha akawunti yaawe omu butongore nikiija kuba nikyoreka

ebikorwa byona ebibaire aha akawunti yaawe eya Airtel money kurugirira aha bwiire obworekirwe omu kihandiiko.

3.16 Ahabw’okwenda kwetantara okubanganisa, AMC Uganda terikwiija kuharirizibwa okuhayo eshonga nainga obuhame omu kooti yoona ey’ebiragiro ahabintu ebiri omu kihandiiko kyoona ekitungirwe kuruga omu mihanda ya AMC Uganda etongoziibwe, kurugiirira aha nshumikanwa eyaharuguru.

4. OBUHEEREZA BWA AIRTEL MONEY.

4.1 AMC Uganda neekora emirimo y’obuheereza bw’okutambuza esente aha nkora eya Airtel Money erikukwikiriza kusindika n’okwakiira sente zirikuraba aha SIM Card yaawe ehandiikiisiibwe nainga MISISDN (enamba erikumanyisa ngu niiwe) erikukuheebwa MNO.

4.2 Airtel Money neetungwa boona abeehandiikiisize aha nkora ya y’empurizagana eya MNO baaheza kuhaandikisa SIMCard. Abaine za SIM Card ez’empurizagana ezindi nibaba baine omugisha mukye ogw’okukoresa Airtel Money.

4.3 Noobaasa kwehandiikisa na MNO okutunga akawunti ya Airtel Money, okuguza za SIM Card omu duuka, nainga okuba agyenti wa Aitel Money obwo orikukyebera omu kashandukye akashemeraire aha foomu y’okuhaandiikisa SIM Card.

4.4 AMC Uganda omu bushoboorozi bwayo neebaasa kuzibira nainga kukyendeeza omuhendo gwa akawunti za Airtel Money ez’orikubaasa kukoresa aha murundi gumwe.

4.5 AMC Uganda omu bushoboorozi bwayo neebaasa kwanga kuhandiika nainga okushazamu omuntu weena orikwehandikisa aha nkora ya Airtel Money.

4.6 Noobaasa kutunga sente ezitari za buriho naingashi ez’omubyoma ebya tekinorogye omu akawunti yaawe eya Airtel money obwo orikubiikamu esente eza buriho aha duuka ya agyenti wa Airtel Money nainga okwakiira

sente ezitari za buriho kuruga ahari kasitoma wa Airtel ondiijo ,kuraba omu mpereza ey’amahanga goona kuruga omu buheereza oburikukora ahaby’okutambuza sente, nainga kuraba omu muhanda gwona ogurikubaasa kwikirizibwa AMC Uganda.

4.7 Ebikorwa byona aha Airtel Money, nibiija kuba biri omu muringo gw’esente ezirikumanywa nka Uganda shillings. Enkora ya tekinorogye omu Airtel Money neebaasa obuteetegyereza omuhendo gw’esente ezirikumanywa nka centi narishi ezitarikuhisya shiringi emwe. Hati noikiriza okuhikaanisa esente zoona na shiringi eza Uganda.

4.8 Esente zaawe ezirikujwekyerwa ezitari za buriho naingashi ez’omubyoma bya tekinorogye nizibiikwa omu akawunti ey’obuhunguzi ahabw’okugira ngu hariho endagaano eyatairweho emikono ahagati ya AMC Uganda hamwe n’orukiiko rw’abahunguzi bekihungurano (Airtel Money) (AMC ) Ku orikuheza kwejumba omu nkora nainga kugumizamu orikukoresa obuheereza bwa Airtel Money nooba waikiriza endagaano ei ababiiki narishi abahunguzi baakozire okubiika esente zaawe omu akawunti yaabo omwiziina ryaawe, kurugiirira aha biragiro ebishoborweirweho

4.9 Yetegyereze ngu abahunguzi nainga ababiiki nibabaasa kutwara ebihandiiko by’enkora ya Airtel Money nk’obujurizi oburikumara obu omuhendo gw’esente ezitari za buriho ez’omubyoma bya tekinorogye okuba nizingana neezo ezoine aha akawunti yaawe batabandize baakora okundi kucondooza.

4.10 Kurugirira aha muhendo gw’esente ogubashemeraire kwihayo nk’okukirambikirwe omu biragiro ebirikukuratirwa, esente eziri aha akawunti yaawe ya Airtel Money, noobaasa kuziihayo eshaaha yoona kandi nizibaasa kurugayo kurugirira ahabiragiro byawe birikuraba omu nkora ya tekinorogye eya Airtel Money.

4.11 Yetegyereze ngu Airtel Money ti banka nainga ekindi kitongore ekirikubiika sente kurugirira aha makuru g’eiteeka eririkukuratirwa Omu bitongore ebirikukora aha sente.

4.12 Ebishare byona ebirikushashurwa aha buheereza bwa Airtel Money byorekirwe omu ndagiriro y’ebishare erikushangwa aha service centre yaitu , aha maduuka ga ba agyenti baitu, aha website yaitu, nainga nk’oku turikuguma nitubihandiika obwire bwona kurugirira oku turikuba tushaziremu.

4.14 Noija kutunga obuheereza bwa Airtel money kurugirra aha biragiro ebirikukuratirwa n’obushonshorekye obu:-

4.14.1 Nobu turaabe nitugyezaho kureeba ngu twakuhisyaho obuheereza bwa Aitel Money, titwiine buhame kugira ngu obuheereza bwa Airtel Money nibwiija kuguma buriho eshaaha yoona kandi titurikwiija kujunaanwa omu muringo gwona ahabw’okuferwa kurugirira ahakubura kw’obuheereza bwa Airtel Money. Kirikurugiirira aha kintu kyona ekirikubaho kikatuma obuheereza bwa Airtel Money bwabura. Ku orikwikiriza ebiragiro n’obushonshorekye, okamanya ngu Airtel nayo nebaasa kugiramu oburemeezi ahabw’eshonga ezitari zimwe nka ebikorwa bya Ruhanga, omwanya oku gwemi, eshonga z’obwiire, okutereeza omu byoma,bya puratifoomu ya Airtel Money ekirikubaasa kurabanisamu obuheereza bwa Airtel Money.

4.14.2 SIM Card yaawe ku yaakusisikara nainga ekabura, okusiikara nainga okubura kwa SIM Card yaawe noshabwa okushaba obwo orikuteera esimu aha kasitoma service centre. Airtel Money Akawunti yaawe nitwija kugyemereza okubaasa kuzibira abarikukoresa obuheereza bwa Airtel Money kuhisya obu turaije kugigaruraho nainga tukagitereeza. Noija kuba noojunanizibwa aha bishare byona hamwe n’ebikorwa bya Airtel Money byona okuhisya obu oraatumanyise okusiisikara okwabaho nainga okubura kwa Sim Card yaawe kandi noija kuturihirira ahabw’ebikorwa byona ebirikukoresibwa esimu yaawe nainga SIM Card obwiire obu turikuba tutakatungire okumanyisibwa kuruga ahariiwe.

4.14.3 Titwiine buhame ngu hariho ekihama ky’ebikorwa bya Airtel money . Noohaburwa ngu ahabw’eshonga ezirengire okwetegyereza kwaitu, hariho akabi okugira ngu ebirikukukwataho nibibaasa kwakiirwa nainga kuhikira ahu bitagyenairwe omu biragiro. Titurikwiija/kubaasa kwikiriza obujunaanizibwa ahabw’okubura,kuhutaara nainga okusiisikara yaaba

kibaireho butwe bwa ntama nainga kurugirira aha kintu ekindi ahanyima twaheza kwikirizanira rwagati.

4.14.4 Yetegyereze kandi ohamye ngu nitubaasa kushohoza, kwakiira, nainga kuhandiika /kukwata aha rutambi ebirikukwata aha mikozeseze y’obuheereza obwo harimu omuringo ogu orikukoresa obuheereza, ebirikukukwataho nainga ebihandiiko ebiturikukwihaho ahabw’eshonga ezoorekirwe ahaifo: -

• (a) Okuzibira oburyangatanisa n’okukwatisa ebiragiro;

• (b) Ahabw’eshonga z’eby’obushuubuzi ezikwatiraine n’omuringo ogu orikukoresa obuheereza bwa Airtel Money nk’okuronda akatare, hamwe n’ebikwatiraine n’emirimo y’okucondooza;

• (c) Kukoresa omu buheereza bw’endagiriro zaitu z’amasimu turikuzihandiika nainga kuraba omu byoma bya tekinorogye;

• (d) Okwikirizana n’amateeka goona, ebya Gavumenti nainga nk’oku ebiragiro birikwetengwa nainga ekiragiro kuruga omu kooti z’ebiragiro;

• (e) Okukoresibwa ba puriida baitu aha bikwatiraine n’okushara emanja;

• (f) Omu nkora y’eby’obushubuzi obwo harimu okurinda omutindo, okutendeka ,okukyebera ebitabo n’okureeba ngu emirimo yagyenda gye.

4.14.5 Yetegyereze kandi ohamye ngu nitubaasa kushohoza/kutunga ebirikukukwataho nainga ebihandiiko byawe ebikwatiraine n’omuringo ogu orikukoresa Obuheereza, za email, SMS, data, ebirikukukwataho ebi orikuba otuhaire ahabw’eshonga ezaayorekwa ahaifo.: -

• (a) Okukoresibwa ebitongore ebirikukwatisa amateeka ebiri omuIhanga, amahanga goona nainga ekindi kitongore ky’ebiragiro ekirikwesigwa nainga ekitongore kya Gavumenti kuhwera omu kuzibira, okucondooza nainga okujunaana ebikorwa by’ebihagaro nainga oburyangatanisa;

• (b) Okukoresibwa abakozi baitu, ba agyenti abakiriziibwe, nainga kampuni endiijo ei turikukorengana nayo nainga ei turikubaasa kukorengana nayo, kampuni eyabandize nainga eitaagi ryayo ahabw’eby’obushubuzi ebirikwetegyerezibwa ebikwatiraine n’omuringo ogu orikukoresa obuheereza bwa Airtel money, nk’okuronda akatare n’ebikwatiraine n’okucondooza;

• (c) Okubaasisa emirimo yaitu ekwatiraine n’ebiragiro , Gavumenti nainga ebirikwetengwa omu biragiro bya kooti;

• (d) Okukoresibwa ba puriida baitu, abakyebezi b’ebitabo ,abandi bakugu abarikuhabura nainga kooti yoona erikugarukanisa ahabikwatiraine na byoona ebirikugyenda omu maisho omu kooti z’ebiragiro.

• (e) Nooshabwa kukuratira ebiragiro ebiturikubaasa kuguma nitukuha ,ebikwatiraine n’obuheereza bwa Airtel Money.

• (f) Ebikorwa byawe nibiija kuguma bitairweho eriisho okuhandiikwa nainga okukwatwa aha rutambi bibaase kukoresibwa omu by’obushubuzi nk’okurinda omutindo, okutendeka nainga okushomesa, okureeba ngu emirimo negyenda gye, okuzibira enkoresa ya MNO etaikiriziibwe, nainga puratifoomu ya Airtel Money, okucondooza n’okuzibira ebihagaro.

5. OKWIKIRIZA N’OKUTANDIKA KUKORESA EBIRAGIRO.

5.1 Nikihamibwa ngu waaheza kwikiriza ebiragiro ebi ebishemeraire kukuratirwa kandi nk’okubirikubaasa kugyenda nibihindurwamu kandi nibiteebwa omu nkora ahanyima: -

• (a) Y’okutuha foomu yaawe y’okwehandiikisa, okugiha MNO nainga agenti waitu oikiriziibwe;nainga

• (b) Waaheza kutamu enamba y’ekihama eyakanya bwanya ,okata akawunti yaawe ya Airtel money omu nkora.

• (c) Okukoresa nainga okuguma nookoresa obuheereza bwa Airtel Money.

5.2 Ebiragiro ebi ebyokukuratira, nibiija kuguma nibikora okwihaho kubirikwemerezibwa kurugirira aha nteekateeka ezi.

6. OKWEMEREZA, OKUSHUMUURURA, OKUZIBIRA N’OKUKINGA

AKAWUNTI HAMWE N’OBUHEEREZA.

6.1 Nitubaasa kwemereza, okuzibira nainga okumaraho obuheereza bwa Airtel Money (ekicweeka kyabwo, nainga yoona) kandi akawunti yaawe tugikinge kandi tusigare tutaine mushango gwona kandi tutabandize twakumanyisa omu muringo ogwayorekwa ahaifo: -

6.1.1 Ku orikuheza kurangirirwa ngu ohweiremu tokiine sente nainga torikubaasa kushashura amabanja gaawe obwiire bw’okugashashura bwaheza kuhika, ahanyima y’okutabarizibwa nainga okushaba ngu oyemerezibwe (orikwenda nainga otarikwenda) ahabw’okuhendera bizinesi, okuburwa esente,okuhwamu nainga okusaasirwa amabanja;

6.1.2 Ku turikuba nitumanya nainga twine eshonga yoona erikutwikirizisa ngu akawunti yaawe Esimu, MSISDN nainga PIN ey’orikukoresa omu shonga ezikwatiraine n’obuheereza bwa Airtel Money eriyo/ziriyo nizikoresibwa /neekoresibwa omumuringo ogutaikiriziibwe, oguri aheeru y’amateeka/ebiragiro, ogutashemeire nainga oburyangatanisa nainga ebikorwa by’ebihagaro (nainga ekaba yaabikozire kare);

6.1.3 Ku haakugira ekitongore ekyamaani ,ekirikuha ebiragiro nainga ekitongore kya Gavumenti ekirikukucondoozaho nainga kuhaakugira omushango ogubaakuhababira nainga ku haakubaho eshonga endiijo ei turikuteekateeka ngu neebaasa kushwaza bizinesi yaitu;

6.1.4 Ku orikuba otarikubaasa kukuratira ebiragiro ebikwatiraine n’obuheereza bwa Airtel Money obwo harimu okutumanyisa kuharaabe hariho ekyoma kyaawe eky’omungaro ,esimu nainga sim card ekiibirwe nainga ekibuzire nainga PIN yaawe ebuzire nanga hariho omuntu ondiijo ogimanyire;

6.1.5 Ku orikuheza kushabwa okukinga akawunti yaawe ya Airtel Money;

6.1.6 Ku orikwikiriza ekintu kyona kukorwa aha akawunti yaawe, SIM Card, MSISDN PIN nainga esimu y’omungaro, ebiturikuteekateeka ngu nibibaasa kurabanisamu eby’okwerinda kwa AirtelMoney puraatifoomu nainga obuheereza bwa Airtel Money.

6.1.7 Akawunti yaawe nainga SIM Card ku erikuremwa kukora.

6.1.8 Ku orikuba otakuratiire kimwe aha biragiro ebikwatiraine n’ekicweeka kyona ky’obuheereza;

6.1.9 Kuhaakugira ekintu kyona ekyajumburwa ekitarikushushana nebyo ebi waahaireyo orikwehandikisa kutunga obuheereza, nainga ku orikuremwa kugarura busya ebirikukukwataho nk’oku ebiragiro birikugamba;

6.1.10Ebyoma kubirikuremwa kukora, okutereeza ebyoma byempurizagana, n’ebindi;

6.1.11 Ahabw’eshonga eziri ahaiguru y’okwetegyereza kwaitu.

6.2 Oihireho byona ebiri omu, nitubaasa kweshariraho tutabandize twakubuuza okuzibira obuheereza bwaitu ahariiwe, tutabandize twakumanyisa kandi nituba tutaine mushango gwona.

6.3 Obuheereza bwa Airtel Money ku burikuba bwemereziibwe,nainga bwihirweho,nainga akawunti yaawe ekingirwe, esente ezi orikuba oine aha akawunti yaawe, niziija kukushashurwa buriho omu ngaro waaheza kuhika ahari Customer care centre kandi waaheza kworeka ebirikukukwataho.

6.4 Titurikwiija kujunaanizibwa omu muringo gwona, kuhaakugira ekyaabaho kuturikuba twaherize kukinga akawunti yaawe. Ekikorwa ekyo nobu kiraabe kiri omu ndagaano, kurugirira aha kicweeka kya 6 eki.

6.5 Noobaasa kukomya endagaano egi, waaheza kutumanyisa omu

buhandiikye ,okweezi kumwe enyima .

6.6 Torikwiija kutujunaana ahabw’ekintu kyona ekyakozirwe kirikurugirira ahakwemereza obuheereza kandi okwemereza obuheereza tikurikwiija kutwihisaho obugabe bwona obwabaire buriho, obuheereza butakeemereziibwe;

6.7 Oihireho ebindi byona ebiri omu ndagaano egi, endagaano neija kusharamu ahonaaho omwe aharibo ku yaakuba ahweirweho esente, arangiriirwe nk’otaine sente, ayemereziibwe nainga takiriho, nainga okuhenda ebiragiro ebi.

6.8 Tihariho oraije kujunaana ondiijo, kirikurugiirira ahakwemereza ,

Okwihaho, okwemereza obuheereza tikirikukwihaho obugabe obu wabaire

Oine obuheereza butakemereziibwe.

6.9 Okwemereza obuheereza tikirikwiija kuremesa ekicweka kyona omu

Ndagaano egi nainga okumaraho obugabe omu bwiire, obu obuheereza

burikwemerezibwa.;

7. EBISHARE EBIRI AHA BUHEEREZA.

7.1 Endagiriro z’ebishare, nizishoborora ebishare ebishemeraire kushashurirwa obuheereza bwa Airtel Money oburi omu myanya yaitu ei ba kasitoma barikuheerezibwamu, ba agyenti ba Airtel Money abaikiriziibwe, hamwe naha website yaitu.

7.2 Ebishare nk’oku birikugyenda nibihandiikwa omu ndagiriro, nibitushashurwa ahabwa buri kikorwa ekyakorwa aha akawunti kandi nibiija kusharwaho ahonaaho kuruga aha akawunti yaawe ahanyima y’okuhendera ekikorwa kya Airtel Money. Noija kutunga SMS ey’obuhame erikushoborora ekikorwa kya Airtelmoney ekyaheza kuhwa hamwe n’esente ezaasigara aha akawunti yaawe.

7.3 Ekikorwa kya Airtel Money ekirimu okwiihayo sente ezitari za buriho kuruga aha akawunti yaawe, ezirikwingana n’esente eza buriho ezagyenda aha akawunti ya banka niziija kuteebwaho omushoro nainga ebishare ebya banka nk’oku kirikubaasa kugyenda nikishobororwa za banka ezitari zimwe[ banka erikushangwamu akawunti egyo, kandi ebishare ebyo nibiija

kusharwaho omu muringo ogurikushushana nesente ezirikusharwaho omu kukoresa banka kandi kuzirikusharwaho, niziza omu banka egyo].

7.4 Ebishare by’okutunga obuheereza harimu value added Tax(ekishare ekirikuza aha bintu ebyongyeirweho omutindo) kwonka nikirugiirira aha mishoro endiijo kurugirira nk’oku ebishare birikuba biri.

8. OBUHEEREZA BWA AIRTEL MONEY

8.1 Akawunti yaawe ya Airtel Money neija kutunga sente ku orikugura sente ezitari za buriho nainga ezo ezitari za buriho kuzirikuteebwa aha akawunti yaawe kuruga ahari kasitoma ondiijo.

8.2 Ebikorwa byona eby’okwiiha esente aha akawunti nibikorwa kurugirira aha biragiro bya Airtel money na PIN nainga omuringo ogundi ogu turikubaasa kuguma nituhindura.

8.3 Noobaasa kuremwa kukora ekintu kyona aha nkora ya Airtel money ku harikuba hatariho esente ezirikumara omu nkora y’ebyoma ebya tekinorogye aha akawunti yaawe okuhikiiriza omuhendo gw’esente ezirikwingana nazo hamwe n’okushashura ebishare ebirikuba nibyetengwa; ku orikuba waahikire aha muhendo ogurikuhererukayo aha akawunti nk’oku AMC Uganda erikwetenga; Ku orikuhisya aha sente ezi AMC Uganda erikwikiriza kwihwayo omuizooba rimwe; akawunti yaawe ku erikuba ebaire ekingirwe akanya bwanya nainga eyemereziibwe nainga ekingiirwe kimwe ahabw’eshonga ezirikuhurirwa; nainga kuhaakuba hariho ezindi shonga ezirikutuma enkora yaarugaho nainga kukyerererwa.

8.4 Ahanyima y’okwehandikisa akawunti yaawe, noobaasa kukora

ebikorwa ebi ebyaza kugambwaho;

8.4.1 Tunga esente zitari za buriho kuruga ahari agyenti wa Airtel Money owaikiriziibwe nainga aha duuka. Noobaasa kutaho esente ezitari za buriho aha akawunti yaawe eya Airtel money yonka kwonka kutari kuzita aha akawunti ya kasitoma. Okubaasa kutaho esente ezitari za buriho, Nooshabwa kubanza waahikiiriza ebirikwetengwa nk’okuhayo endanga muntu kugira ngu kimanyike ngu niiwe kandi kihamibwe ngu akawunti n’eyaawe omu mazima, na bwanyima oheyo sente ezirikwingana neezo eziri omu byoma ezitari za buriho. Ahanyima y’okuhayo esente owa

agyenti wa Airtel Money, oine kureeba ngu waata omukono omu kitabo, ekirikukora nk’obujurizi kugira ngu waaheza kubiika sente.

8.4.2 Kora ekikorwa ky’okutaho sente, obwo orikwakiira sente Enkora ya Airtel money, neija kuta sente aha akawunti yaawe aho naaho.

8.4.3 Kora ekikorwa ky’okwiiha sente aha Airtel money akawunti, obwo

orikwohereza ebiragiro aha Airtel money : -

• (a) Okwiiha esente ezitari za buriho aha akawunti yaawe kuruga ahari agenti weena oikiriziibwe;

• (b) Okwiiha esente ezitarikureebwa aha akawunti yaawe okuza aha akawunti ya kasitoma ondiijo [orikukoresa esimu ye nainga eziina ry’omutaano eriine emyanya 3 kuhisya ahari 7] kandi orikushoborora omuhendo ogushemeraire kuzaho.

• (c) Okugura eyataimu kuruga aha akawunti yaawe okuta aha simu yaawe nainga kasitoma ondiijo.

• (d) Okwiha esente ezitari za buriho aha akawunti yaawe , okuzita omu banka yoona aha muhendo ogurikwingana orikukoresa Airtel Money.

• (e) Okushashura ebishare by’ebintu ebirikukoresibwa nainga kushashurira ebintu ebirikukira kushashurirwa nainga okusindika sente aha barikureeta obuheereza, ebitongore bya sente , ebitongore ebirikugaba obuhwezi n’ebindi.

• (f) OKugura ebintu nainga obuheereza okuruga aha bashubuzi ba Airtel Money obwo orikwiiha omuhendo gw’esente ezitari za buriho aha akawunti yaawe okuza aha akawunti y’abashubuzi ba airtel money omu kushashurira ebintu n’obuheereza ebyagurwa.

8.4.4 Okukora emirimo endiijo yoona nk’oku erikubaasa kuguma neija

kureetwaho AMC Uganda nainga abarikukwatanisa nayo.

8.4.5 AMC Uganda eine obugabe okutaho omuhendo gwa sente ogushemeraire kukomwaho kandi akawunti ezimwe, neebaasa kuzita aha muhendo gw’ahaiguru kurugirira ahabirikwikirizibwa omu mateeka.

8.4.6 AMC Uganda terikuhamya ngu obuheereza bwona bwiine kuba buriho eshaaha yoona kandi neebaasa kugira obuheereza obu yaihaho nainga okwihaho obuheereza bwa Airtel money bwona kurugirira aha kiragiro kisya ekirikuba kiizire, ekiragiro kya Gavumenti, nainga eshonga yoona erikubahaririza.

8.4.7 AMC Uganda neebaasa kugira obuheereza obu yaayongyera aha mirimo ya Airtel Money kurugirira aha nkorengana y’ebitongore bya sente, bakureetere obuheereza obumanyirwe. Obuheereza obwo nibubaasa kukuzibira kuhika omu bitongore bya sente ebimwe, hati noikiriza kurihirira AMC Uganda ahabintu nkebyo, kandi oreebe ngu AMC Uganda tiyahikwaho buremeezi burikurugirira ahariiwe okukoresa puratifoomu ezaheeru yaayo.

8.4.8 Omu kushwijuma enteekateeka ya bizinesi yaitu, enkora, ekyetengo ky’abantu nainga eshonga ezirikukwata ahankora y’emirimo, empindahinduka omu kitongore, ebiragiro kuruga omu bitongore ebirikubareeberera, nainga ebirikushushwa nk’ebyo, AMC Uganda neebaasa kuhindura omu biragiro n’obushonshorekye ebirikukwata aha nkora yaabo kandi nibaija kukumanyisa empinduka barikuraba omumihanda ehikire. Okugumizamu orikukoresa obuheereza bwa Airtel Money, nikiija kworeka ngu waikiriza ebiragiro n’obushonshorekye.

8.5 Ahanyima y’okuhandiikisa akawunti yaawe, noija kuba noobaasa kukoresa Airtel Money oku: -

8.5.1 Shaba ripoota ezirikukwata aha mirimo;

8.5.2 kukyebera okamanya sente ezisigaire aha akawunti yaawe hamwe na akawunti eya banka[ kuziraabe nizikorengana] na Airtel Money;

8.5.3 Hindura PIN (enamba y’ekihama ) yaawe hamwe neiziina ery’omutaano eriine emyanya 3kuhisya7.

8.6 Ahanyima y’okuhendera emikoro ya Airtel money yoona, orikwakiira hamwe nowaarugwaho sente nibaija kutunga obuhame bwa SMS oburikworeka enamba y’omutaano erikumanyisa ekyakorwa hamwe n’omuhendo ogwasigara aha akawunti yaawe y’esimu hamwe n’eya banka. Ebihandiiko ebirikukwata aha nkora ya Airtel Money nibiija kutwarwa nk’ebihikire , okwiihaho kuhaakugira ekindi ekyabihakanisa.

8.7 Esente zoona ezirikuruga aha akawunti yaawe orikukoresa PIN (enamba y’ekihama) noija kuzishashurira . Okimanye ngu AMC Uganda ku erikuba etakatungire okumanyisibwa kuruga ahariiwe orikugamba ngu PIN yaawe terinzirwe gye nainga esimu yaawe eibirwe nainga ebuzire, nitusigara turikumanya ngu PIN yaawe eri omu mikono mirungi kandi ngu niiwe waikiriza esente kuruga aha akawunti yaawe nobu ziraabe zaihwaho otaragiriire. Titurikwiija kwetenga obuhame bwona oburi omu buhandiikye ahabikwatiraine n’ekiragiro kyawe aha Airtel Money .

8.8 N’obujunaanizibwa bwawe okuhamya ekikorwa kyona ekirikuragiira ebikwatiraine na Airtel Money (obwo harimu omuhendo gw’esente,eiziina eryomutaano, enamba y’esimu y’omuntu orikwakiira, eiziina, enamba ya akawunti ya banka, na koodi y’eitaagi rya banka) otakataahizemu ekiragiro ky’okusindika ahankora ya Airtel Money.

8.9 Ku orikuheza kuhendera ekikorwa kya Airtel Money, nihaba hatariho ekyorikubaasa kuhindura kandi AMC Uganda terikujunaanizibwa ahakugira eki yaahindura. Airtel Money neeba etarikubaasa kuhindura ekiragiro kyona ekiwaatamu ahabw’eshonga yoona nobu haakubaho okwetomboitwa na kasitoma ondiijo nainga agyenti wa Airtel Money nainga ondiijo muntu nainga owaasindika esente nowazaakiira. Iwe wenka niiwe orikujunaanizibwa aha kutereeza eshonga ezo otabandize waturabanisamu.

8.10 oihireho okureetamu ekicweeka ky’okubirugaho, AMC Uganda, eine obugabe nkayo yonka , okushazamu nainga okuhindura ekikorwa kya Airtel Money kuhakugira eshonga eyaabaho nk’okworeka enshobi nainga oburyangatanisa . orikwakiira sente YAABA ATAKAZIIHIREYO kandi eky’okwetomboitwa kuzikugarurira, nikikorwa omu kweezi kumwe oku enshobi erikuba ekorairwemu.

8.11 AMC Uganda naija kuba etarikuharirizibwa okurihirira owaasindika esente kuzirikuba zasindikirwa omuntu otashemeraire kuzaakiira omu butanwa, oburyangatanisa, okutiinisa tiinisa, na bwanyima bakazitunga nk’eza buriho kandi orikuba yaazaakiira akazikoresa. Torikubaasa kujunaana AMC Uganda ahabw’esente ezikurugireho omu butanwa, oburyangatanisa, oburyo obutahikire, nainga okusindika sente okw’omuringo gwona okuruga aha akawunti yaawe omukugyemeserezibwa nainga omuringo ogundi ogutahikire.

8.12 Ku orikwakiira esente omu butanwa, okimanye ngu oshemereire kuzigarurira owaazisindika kandi ku orikuba otazigarwizeyo, AMC neija kuzimugarurira. Noobaasa kujunaanwa omu kooti z’ebiragiro ahabw’okukoresa esente ezaakusindikirwa zitakugyenderairwe.

9. OKWERINDA N’OKUKORESA KUBI OBUHEEREZA

9.1 PIN emwe yonka niyo erikukorengana na akawunti yaawe ahamurundi ogu

orikugitamu.

9.2 Noobaasa kukoresa akawunti yaawe, esimu, eiziina

na PIN byonka.

9.3 PIN eyakanya bwanya, PIN hamwe n’eiziina eryomutaano, noojunaanizibwa kubirinda gye kandi omu kihama, esimu yaawe na Airtel Money bikorese kurungi omu shonga ezikwatiraine na akawunti ya Airtel Money orikukoresa PIN yaawe.

9.4 Nobu oraabe nooshabwa ngu oyemanyise orikukoresa eiziina ery’omutaano, toine kworeka omuntu weena PIN yaawe nobu baakuba abakozi abari aha service centre.

10. OBUJUNAANIZIBWA BWA KASITOMA

10.1 Noija kuba noojunanizibwa aha kushashura ebishare byona ebirikwetengwa aha buheereza bwa Airtel Money orikukoresa PIN yaawe obwo harimu n’ebishare ahabuheereza obu orikwetandikira, oburikutandikwa omuntu ondiijo, owu ohaire orusa nainga owu otaruhaire,

orikubimanya nainga otarikubimanya ahabwebishare byona, harimu n’ebya banka.

10.2 Noojunanizibwa wenka ahabintu byona ebirikuraba omu mayengo ebirikutwarwa nk’ebirikushisha amaziina g’abandi ,ebitahikire, omu biragiro nainga okukopa ebikozirwe abandi. Noija kuturihirira kandi ogume nooturihirira ahabw’ebikorwa byona ebyorikuba otuhikizeho ebikwatiraine nebyo ebyagambwaho kandi oshashure byona ebitushohoize ahabw’ebikorwa byawe ebikwatiraine nebyo ebyagambwaho..

10.3 Toshemeraire kukoresa obuheereza bwa Airtel Money omu kikorwa

ky’ebihagaro kyona.

11. OBUJUNAANIZIBWA BWAITU.

11.1 Niturangirira ngu okushashura kwona[n’ezindi sente zoona ezirikwija omu nshaho yaawe ey’obuhunguzi eitukubiikiire ahabw’okugura esente ezitari za buriho] nizikubiikirwa aha akawunti yaawe ey’obuhunguzi ei tukubiikiire.Omuhendo gw’esente ezirimu nigwingana n’ogwo ogu orikumanya oguri aha akawunti yaawe. Noikiriza ngu ebihandiiko ebirikukukwataho ebiri aha nkora ya Airtel money nibikora nk’obujurizi oburikumara ahamuhendo gw’esente ezitari za buriho ezitukubiikiire omu akawunti yaawe, kandi itwe nainga abahunguzi, titushemeraire kugira okucondooza kwona okutwakora nk’abantu. Noomanyisibwa ngu ahanshonga ezikwatiraine n’esente zaawe ezitukubiikiire, titwiine bushoborozi ,nobu baakuba abahunguzi baitu. Nitubaasa kugira eki twazikoraho, obwo waaheza kuturagiira orikukoresa PIN yaawe nangwa nobu PIN yaawe yaakutuheebwa omuntu ondiijo.

11.2 Yetegyereze ngu titwiine bujunaanizibwa okukoresa esente zaawe ezitukubiikiire omunshaho ey’obuhunguzi kurugirira ahaiteeka hamwe n’ebiragiro bya Bank of Uganda. Kandi garuka omanye ngu amagoba goona agarikwiija ahasente ezibiikirwe omu nshaho ey’obuhunguzi

nitwikirizibwa kukoresaho ekicweeka ky’amagoba nainga tukisigaze okurugiirira oku amateeka n’obuhabuzi kuruga omu Bank of Uganda okubirikuragiira kurugirira aha National Payment Systems Act.

12. OBUJUNANIZIBWA N’EBY’OKWIHAMU

12.1 Ku haakubaho ekyetengo ky’okuhindura enamba y’empurizagana okubaasa kuhikiiriza ebiragiro nainga ahabw’eshonga endiijo, obujunaanizibwa bwaitu nibwiija kuba nibukoma ahakusigaza akawunti yaawe kandi kukiraabe nikibaasika, akawunti yaawe nitugita omu MSISDN,kandi kukirikurema, noija kushashurwa omuhendo gw’esente ogurikuba guri aha akawunti yaawe ogwa buriho.

12.2 Amateeka tigarikutwikiririza kimwe okugira eshonga ez’omuringo gwona

ezitwahurikiza ezirikutuzibira kukuratira enkora yaitu eya butoosha.

12.3 Turikukuratira amateeka, titurikwija kujunaanizibwa aha bishare byona, okuferwa, akabi nainga okusiisikara okurikubaho omu busimba, okw’omutaano, nainga kurugirira ahakintu ekindi omu muringo gwona kirikurugirira ahariitwe kureka kukuha obuheereza kandi noija kuturihirira kandi ogume nooturihirira obwiire bwona aha bishare byona ebirikushohozibwa,ebikorwa, okushaba ,ebisisikaire eby’omuringo gwona ebirikurugirira ahariiwe nainga aha muntu ondiijo okukoresa kubi esimu yaawe nainga SIMCard yaawe.

12.4 Titurikwiija kujunaanizibwa ahakuremwa kuhikiiriza obujunaanizibwa bwaitu kukiraabe nikirugiirira aha kukunda kwa Ruhanga, ebikorwa bya Gavumenti, obwediimo, okwesharinga kw’abakozi, omuriro, emirabyo, omuzibwe nainga okuremererwa okundi okwabantu abarikuba bapataine, abarikutuha ebintu by’okukoresa, nainga eshonga endiijo (ezirikushushana nainga ezitarikushushana) ezirengire okwetegyereza kw’omuntu weena.

12.5 Titurikwiija kujunaanizibwa omu ndagaano, obubanja obutaine maani (harimu obutafayo) nainga ekindi ahabw’okuferwa, akabi, nainga okusiikara okwa busimba, okw’omutaano, kirikurugiirira aha buheereza nainga okuremwa kuhikiiriza obuheereza obwo harimu okuremesa kampuni

kukora amagoba, bizinesi, okubiika sente nainga kushohoza esente eziteetekateekirwe;

12.6 Abashubuzi baitu boona abaikiriziibwe na ba agyenti, abutwahaire orusa okuhikiiriza obuheereza bwa Airtel Money kandi tihariho buzaare bwona obu twine nabo omu biragiro. Nibakora ahabwabo. Nahabwekyo titubaineho bujunaanizibwa ahabw’ebintu ebibarikukora omu butafayo bwabo kubarikuba nibahisya ahabantu obuheereza bwa Airtel Money.

12.7 Titwiine bujunaanizibwa bwona ahabintu ebi murikukora, okwihaho kuharaabe hariho eshonga erikworeka ngu enshobi erugire ahabutafayo bwaitu. Nitwiija kuba nitujunaanizibwa aha kuferwa oku kasitoma owa butoosha arikubaasa kuhikwaho kwonka kutari kugira ngu nitujunaanizibwa aha nshobi ezirikuruga ahariiwe nobu turaabe nitumanya ngu ti nkora yaawe eya butoosha.

13. OKUHINDURAMU

13.1 Twiine obugabe okuhinduramu eshaaha yoona kandi tutabandize twakumanyisa.Nitwiija kukumanyisa empindahinduka turikuraba omukurangira omu rupapura rw’amakuru orwa buriizooba, SMS,nainga aha Website yaitu nainga turikukoresa omuringo murungi ogundi KANDI nikiija kuteekateekwa ngu wamanyisibwa empinduka egyo nobu waakuba otaine ekiwamanyire.

13.2 Ahabw’okugumizamu orikukoresa obuheereza bwa Airtel Money, nikiija kuteekateekwa ngu noikiriza empinduka ezagambwaho omu kicweka kyaharuguru. Ku oraabe otarikwikiriza empinduka nkeezo, toshemereire kugira ekiragiro kya Airtel Money ekiwaaha kandi kukiraabe kitari ekyo, noija kuteekateekwaho nk’owaikiriza empinduka.

14. ORUJWANGYE.

14.1 Endagaano egi (nk’oku erikuguma neehindahindurwa )neingana n’endagaano erikwikirizibwa omu biragiro erikukukwatanisa n’abahunguzi baawe nainga abajwekyerwa baawe kandi neeragiira;

14.2 Endagaano egi neebaasa obutaheebwa ondiijo muntu.

14.3 Tihariho okuremwa nainga okukyerererwa kwaitu omu kuhikiiriza obugabe bwona nainga okuriha. Tihaine ekirikubaasa kuremesa obugabe bw’omuntu kurihirirwa.

14.4 Kuhaakugira kimwe aha biragiro ebi ebirikukuratirwa ekyashangwa nguhaine ekirikuburamu ahanyima y’abanyabiragiro kukireeba, ekicweeka ekirikuba kitashemaire tikirikuzibira ebindi kugyenda omu maisho. Ebitaine shonga yoona nibiija kugyenda omu maisho nibikora.

15. RIPOOTA N’EBIHANDIIKO

15.1 Nobaasa kushaba ripoota y’ebikorwa bya Airtel Money ebi (“Ripoota z’ebikorwa”) orikukoresa SIM Card n’esimu yaawe: -

15.1.1 Esente eziri aha akawunti yaawe obwahati;

15.1.2Ebirikukwata ahabikorwa 2 bya Airtel Money ebihererukireyo orikukikorera aha simu yaawe;

15.1.3 Ebikorwa bya Airtel Money nk’oku byemereire obwahati, orikukikorera aha simu;

15.1.4 Ebirikukwata aha bikorwa bya Airtel Money ebibaireho eizooba erihingwiire kirikukorerwa aha simu yaawe;

15.1.5 Ebirikukwata aha bikorwa bya Airtel Money omu bugufu kirikukorerwa aha simu yaawe ahaizooba eritorainwe;

15.1.6 Ebirikukwata aha bikorwa bya Airtel Money omu bugufu, omu kweezi okuhingwiire, orikukikorera aha simu yaawe.

15.2 Ripoota z’ebikorwa tizirikwoherezibwa omu muringo gw’orupapura.

Noobihikibwaho SMS nainga email kurugirira aha kutoorana kwawe.

16. EBYOMA OKUREMEERERWA KUKORA

Titurikwiija kujunaanizibwa ahabw’okuferwa ekintu kyona obwo kirikurugiirira ahakuremererwa kwempurizagana, okuremwa kukora, nainga okukyerererwa kwa puraatifoomu ya Airtel Money, empurizagana ya MNO, esimu z’omungaro, emirongooti ya intaneti nainga ebindi ebirikukwatanwa kirikurugiirira ahashonga eziturengize emikono.

17. OKURINDA EBIHAMA, OKWATURA N’OKUSIGAZA DATA

17.1 Abukirikukwataho babiri, nibaikiriza kurinda ebiragiro ebi nk’ekihama,ebihandiiko byona eby’ekihama, abukirikukwataho nibaikiriza kubirinda nk’ekihama ahanyima y’okwikirizana ngu ebintu ebimwe babishohoze omu muringo gw’okuhikiiriza obuheereza kandi ebihandiiko ebyo nibiija kukoresibwa bihike ahu bishemereire kuhika nk’oku amateeka garikuragiira.

17.2 Noikiriza kandi nooha orusa AMC Uganda okworeka ebikorwa byona ebikwatiraine na akawunti ya Airtel Money yaawe ,ahabarikukwatisa amateeka, abarikucondooza,abanyabiragiro, nka poriisi, Banka ya Uganda enkuru, UCC, Financial intelligence authority,(FIA), Inspectorate of government (IGG) Uganda Revenue Authority,(URA) nainga ekitongore kyona eky’obujunaanizibwa ahabw’eshonga ezirikwetegyerezibwa, ez’okucondooza nainga omuntu ondiijo ow’orikumanyisa omu buhandiikye nainga omu muringo ogwa , Okuraba aha nkora ya Airtel Money, nainga omuringo ogundi ogurikwikirizibwa AMC Uganda nainga AMC Uganda okushohoza ekikorwa nainga obuheereza oburikukwata aha nkoresa y’obuheereza bwa AMC Uganda obwo harimu akawunti ya Airtel money, kuhakuba hariho orusa oruhairwe AMC Uganda okushohoza ebirikukwata aha bantu (ekirikuhenda ebiragiro, kitari ky’okucondooza nainga eky’ebiragiro kurugirira aha kicweka eki, nibibaasa kwihwamu.

17.3 Yetegyereze ngu akawunti yaawe ku erikukyeberwa ab’obushoborozi omu biragiro kandi ekashangwamu esente ezirugire omu bikorwa by’ebihagaro, ebikorwa by’okumunyunguza sente, AMC Uganda neebaasa kushabwa abanya biragiro okuhayo sente eziri aha akawunti yaawe zitwarwe omu nshaho y’eihanga eyatairweho okujumbura esente ezirugire omu bihagaro.

17.4 AMC Uganda naija kwanjura ebikorwa byona ebirikubanganisibwa aha akawunti yaawe eya Airtel Money, omu kitongore ekirikubuuririzi aha sente ezitarikwetegyerezibwa ekya Financial Intelligence Authority (FIA) nainga ekindi kitongore ky’ebiragiro ekishemeraire.

17.5 Yetegyereze ngu AMC Uganda neebaasa kusigaza ebirikukwata aha nkoresa ya akawunti yaawe okumara emyaka (10) nainga nk’oku kirikuba nikyetengwa omu biragiro.

18. OBUGABE BW’OKUSHARAHO SENTE

Twiine orusa okukusharaho esente zoona ezirikuba nizikubanjibwa agyenti kurugiirira aha biragiro ebiri omu ndagaano egi, ku biraabe nibikwata aha ndagaano egi nainga omu muringo ogundi.

19. OKUSHARA EMANJA

19.1 Ebiragiro ebirikukuratirwa omu nkora egi nibigyendera ahansi y’amateeka

ga Uganda.

19.2 Abu kirikukwataho nibaija kugyezaho kutereeza enshonga zoona ezirikuba

ziriho obwo zirikurugiirira omu kuhikiiriza ebiragiro nainga okubitandikaho

barikuraba omu kuhanuura n’okuteisa.

19.3 Okwihaho kuhaakugira ekyahindurwamu,eshonga zoona ezirikubaho nizitwarwa omu kakiiko k’okugarukanisa akarikukorwamu omuntu omwe oraije kuteebwaho omu ndagaano ahagati y’abukirikukwataho omu bwire bw’ebiro makumi ashatu (30) kukirikuheza kumanywa ngu hariho ebitashemeire kandi okushaba oku nikukorwa orikukurira ekitongore ekirikutereeza eshonga ( Center for Arbitration and Dispute Resolution) (CADER) orikuba ariho obwire obwo.

19.4 Okutereeza eshonga okwo nikwiija kukorerwa omu Kampala kurugirira aha biragiro ebirikukuratirwa omu kucwa emanja n’okugarukana (Arbitration and Conciliation Cap. 4) omu mateeka ga Uganda nainga abahunguzi bakyo abarikuba nibakora omu bwire obwo omu Uganda ahabikwatiraine n’okucwa emanja.

19.5 Kurugirira oku amateeka garikugamba, omugarukanisa ekyarikusharamu nikyo ky’ahamuheru kandi buri omwe nikyo ashemeraire kutwara ahagati yaabo abukirikukwataho.

20. EKIRIKUKWATA AHARI BURI KIMWE

20.1 Noija kuba noojunanizibwa ahari buri kimwe ekirikushohozibwa omu kujumbura esente eziturikukubanja obwo harimu n’ezabanyabiragiro, okukuronda n’okurundaana sente.

20.2 Titurikwija kujunaanizibwa ahariiwe ahabw’okufeerwa ekintu kyona ekitashoborokire, ekirikurugiirira omu kindi, kirikurugirira omu kuremererwa kwaitu nainga omuntu ondiijo owu turikujunaanizibwaho kirikurugirira omu ndagaano nainga ebiragiro ebihandiikirwe.

20.3 Nooshabwa kutumanyisa ahonaaho kuhaakubaho ekyahinduka omu

Bintu ebikwatiraine n’okuhandiikisa SIM card yaawe

ebiwatwaire omu MNO.

20.4 Yetegyereze ngu ebirikukukwataho obwo harimu ebyorikumanyirwaho, ,ebikorwa byawe aha Airtel money, okugaaniira nabajwekyerwa baitu aha customer service centre nainga ba agyenti baitu abaikiriziibwe nibiija kukwatwa aharutambi kandi bibiikwe ahabweshonga z’okubiika gye ebihandiiko. Okumara obwire obutari hansi y’emyaka ikumi (10). Kuruga ahaizooba ry’ekikorwa ekyahererukireyo. Nainga kuruga obu akawunti yaawe yakingwa. Nainga obwire oburikukiraho nk’oku amateeka garikuragiira, ebiragiro nainga ekintu kyona ekirikujunaanizibwa.

20.5 Obushoboorozi ahabihandiiko bwona, obumanyiso bwona n’ebindi byona ebirikujumburwa obwonko bw’omuntu n’obushoborozi aharibyo ebirikukoresibwa nkekicweka aha buheereza bwa Airtel Money,nainga ebiri omu bihandiiko byaitu, neitungo ryaitu, nainga abatuhaire orusa. Nomanyisibwa ngu tobiineho bushoborozi.

20.6 Tushemeraire kukwoherereza okumanyisibwa turikuraba omu SMS, okutushanga aha ofiisi nainga tuteerere esimu aha namba eyorekirwe aha foomu ey’okwehandiikisa.

20.7 Okwetomboitwa kwona, emishango nainga ebindi ebi orikwenda kutuhisyaho, noija kubisindika aha ndagiriro egi nainga endagiriro endiijo nk’oku turaije kuguma nitukumanyisa: The Managing Director, Airtel MobileCommerce Uganda Limited, Airtel Towers, Plot 16A Clement Hill Road, P. O. Box 6771, Kampala, Uganda.

20.8 Oihiremu ekintu kyona ekiri aha, ebiragiro ebirikukuratirwa nibirugirira aha biragiro n’obushonshorekye ebya raisensi eyatuhairwe Banka ya Uganda enkuru.nainga ekindi kitongore ky’ebiragiro hamwe n’ekindi kiragiro, endagaano eri omu nkora nainga erikubaasa kuza omu nkora bwanyima ekatukwataho nyowe naiwe. Kuhaakuba hariho ekintu kyona ekitarikubaasa kugarurwa omu buteeka nainga kitarikukwatirana n’obujunaanizibwa bwaitu,ahansi ya raisensi eyagambwaho nainga ekiragiro nainga kuwaakugira ekiwaakora nainga okaremwa kukora ebintu ebirikutureetera okuteekateekwaho nainga okuhenda ebiragiro, ebya raisensi , nitwiija kuba twine obugabe kurihirirwa ahabw’ebintu ebitufereirwe omu muringo gw’okufubira nainga omu muringo ogundi, nainga kuhaakugira ekintu ekyakorwa omu buryo obutahikire, okwiihaho kukyakukorwa obwo turikubaasa kukitereeza tutabandize twayemereza obuheereza .

20.9 Tihariho okuremererwa nainga kukyerererwa kirikurugirira ahariitwe nainga iwe omu kuhikiiriza obugabe nainga okutereeza eshonga ekiraije kukora nk’ekyekwaso ky’okubaihaho omushango nainga okukora ekintu omu bicweeka, tikirikubaasa kuzibira ekikorwa ekindi.

20.10 Kuhaakugira owaaremwa kuhikiiriza obujunaanizibwa bwe, ahansi y’ebiragiro ebi ebirikukuratirwa naija kukorwaho hatariho okugwera orubaju rwona kurugirira nk’oku amateeka garikuragiirwa.

20.11 Ebishemeraire kukorwa ebigambirweho, n’ebya boona tibirikushoroora nkoku amateeka garikugira.

20.12 Nooshabwa okushashura esente zoona eziturikuferwa turikugyezazaho kutunga esente obwo harimu nezabaanyabiragiro,nez’okukuronda.

20.13 Ahabw’okwerinda kwawe, noosbwa kubiika gye ebirikukukwataho nainga

enamba z’ebihama ezirikukoresibwa aha buheereza. Enamba nainga za

koodi eziturikukwikiriza kukoresa omu buheereza nibiija kuguma biri

eky’obutungi kyaitu obwiire bwona.

20.14 Ebintu ebyakozirwe kuruga omu magezi gaitu ebiri kukoresibwa omu buheereza (obwo harimu za puroguraamu, data n’ebindi ) (“IPR”) nibiguma biri ebyaitu nainga abarikubituha kandi nibiheebwa owayehandiikisize aha nkora tumuhaire orusa , okubikoresa kurungi n’obuheereza bwonka.

20.15 Okwiihaho okushaba omu buhandiikye kandi okashashura ebishare ebirikwetengwa, nainga bikakorwa omujwekyerwa waawe, orikuba ahairwe orusa, titurikubaasa kugamba ebirikukwata aha muringo ogw’orikukoresa obuheereza/ nainga oku otwiire n’obukoresa.

20.16 Kuhaakugira ekicweka ky’ebiragiro ebi ekyashangwa kitahikire kandi

kikahamibwa abanyabiragiro nainga omuntu weena ow’obujunaanizibwa

omu biragiro ,akashanga ngu tikirikubaasa kukora, ebicweeka ebyo

ebirikuba bitahikire tibirikwiija kuzibira ebicweeka by’ekihandiiko ekindi

kugumizamu nikikora omu biragiro.

20.17 Kuhaakubaho okumanyisibwa kwona, okuturikwenda kuguma nitukuhisyaho, obwo harimu okuhindura omu biragiro by’okukuratira, okutereeza omu buheereza, ebishare, okuranga hamwe n’okundi kumanyisibwa, nibiija kuraba omu kurangira omu mpapura z’amakuru, , SMS, Website yaitu, nainga kukoresa omuringo ogundi KUKIRAABE NIKITEEKATEEKWA NGU noija kukyetegyereza kandi noohamya ngu obaire otakakimanyire.

20.18 Endagaano egi, neetwariramu endagaano ahagati y’abukirikukwataho kandi neehingura aha ndagaano ezindi ezirikuba zaakozirwe ez’omuringo gwona ahabikwatiraine n’obuheereza bwa agyenti nainga Airtel money. Kurugiirira aha kicweka kya 13, okuhindura omu ndagaano egi kwona,

nikwiija kutwarwa nk’okuhikire kukurikuba kuri omu buhandiikye kandi kutairweho emikono abo abukirikukwataho.

20.19 OKwiihaho ahu endagaano egi erikugamba ekindi, obujunaanizibwa n’ebishemeraire kukorwa ebirimu, nibitwarira hamwe kandi tibirikushoroora bujunaanizibwa nk’oku amaateeka garikuragiira. Okuremwa nainga okukyerererwa kwa AMC Uganda okuhikiiriza amateeka n’obushonshorekye omu ndagaano egi, nainga obujunaanizibwa bwayo nk’oku kyorekirwe ahaifo, tikirikwija kubaihaho okuguma baine obugabe nainga obugabe nkobwo n’obushonshorekye eshaaha yoona.

20.20 Kuhaakuba hariho ekicweeka omu ndagaano egi, ekirangiriirwe omunyabiragiro weena nainga omuntu weena ow’obushoboorozi ,akagira ngu tikihikire, nainga tikirikubaasa kukora, abukirikukwataho nibaija kutereezamu omu muringo ogurikwetegyerezibwa kugira ngu ebicweka ebirikuba bitashemeire birugyemu bitaine ekibirikuhindura aha bicweka by’endagaano ebisigaire kandi ebiraije kusigara nibikora kandi birikugasira abukirikukwataho.

21 OKUBANGIRA DATA N’OKURINDA EBIHAMA

21.1. AMC Uganda neemanya omugasho gw’okurindagye ebirikukwata ahari ba kasitoma abarikukoresa obuheereza bwa Airtel Money. Ekihandiiko eki nikigyenderera okuhamya obwesigwa bwaitu bw’okurinda ebintu nk’ekihama kandi omu kitinisa.

21.2. Airtel neerundaana ebirikukukwataho butereevu nainga erikuraba omu MNO nainga ba agyenti abandi,amakuru aguturikukoresa kumanya abo abarikukoresa Airtel money , bwanyima tukora akawunti za Airtel Money ahabwa buri muntu, tugarura busya data base ya Airtel money, kandi tubangira abarikuzikoresa. Toshemeraire kutuha amakuru agarikubuzaabuza nainga agateijwiire agatarikuhikiiriza ebyetengo by’amateeka ebirambikirwe omu National Payments Systems Act, 2020,(eiteeka eririkukwata aha kushashura), the Anti-Money Laundering Act, 2013,(Eiteeka eririkukwata ahakumunyunguza esente) Uganda Communications Commission Act, 2013(eiteeka eririkukwata ahaby’empurizagana n’ebirikugyendera omu mayengo), the Registration of

Persons Act, 2015(eiteeka eririkukwata ahakuhandikisa abantu) the Regulation of Interception of Communications Act,2010, (eiteeka eririkukwata ahakuzibira amayengo g’empurizagana) the Data Protection and Privacy Act, 2019,(Eiteeka eririkukwata aha kubangira Data/ebihandiiko) hamwe n’ebindi biragiro ebyayorekwa ahaifo.

21.3. Yetegyereze ngu AMC Uganda terikubaasa kubagana ebirikukukwataho n’omuntu weena oteikiriziibwe kandi hariho okwerinda okurikumara okuzibira omuntu weena otaikiriziibwe kumanya ebirikukukwataho kandi okuhamya ngu birinzirwe nk’ekihama.

21.4. Yetegyereze ngu ku orikukoresa obuheereza bwa Airtel Money,ebimwe aha bintu ebirikukukwataho nibibaasa kureebwa omuntu weena orikukusiindikira esente aha simu nainga omuntu owu orikusindiikira esente aha simu kandi nibibaasa kumanywa omuntu ondiijoorikuba ayejumbire omu buheereza obu, abarikukwatanisa na AMC obwo harimu MNO erikuha simCard nainga ekitongore ky’empurizagana ekirikurugwaho obuheereza bwa Airtel Money,ba agyenti ba Airtel money,Abashubuzi ba Airtel money,abaheereza ba AirtelMoney,abarikukwatanisa na AMC Uganda ahabw’obuheereza oburiho burikuraba omu Airtel Money nka international money transfer (okutwara esente omunsi yoona) ,za rooni kuraba aha simu, okubiikaho esente, okushashura ebishare, abarikuheereza omu kureeta obwoma bw’esente za banka (ATM), Waikiriza AMC Uganda okubagana, okworeka abandi bantu nainga ebitongore ebi okozire nabyo endagaano nainga ebi orikwenda kukora nabyo endagaano (kandi wamanyisa AMC Uganda ekigyendererwa kyawe eki omu buhandiikye nainga okuraba omu byoma bya tekinorogye aha nkora ya Airtel Money),ebirikukukwataho obwo harimu n’ebikorwa by’okusindika, okwakiira , okugura eyataimu na data, ebirikukukwataho nainga Airtel Akawunti yaawe, okukoresa ebintu hamwe n’obuheereza bwaitu ahabw’okugira ngu orusa oruhairwe AMC Uganda okworeka ebirikukukwataho omu bantu abandi (Kutarikugira ngu n’okukwatisa ebiragiro, okucondooza nainga ebiragiro kuruga omu kitongore ky’obujunaanizibwa) kurugirira aha kicweeka eki nibibaasa kwihwamu eshaaha yoona.

21.5. Yetegyereze ngu AMC Uganda neebaasa kuhamya ebirikukukwataho omu rwijwire nainga kuruga omu bihandiiko bya Gavumenti ebibiikirwe kurungi kugira ngu bahikiirize ebiragiro.

21.6. Noikiriza ngu AMC Uganda naija kugira obugabe bw’okucondooza nk’oku orikukoresa akawunti yaawe kandi eshohoze ebirikukukwataho omu banyabiragiro nainga ebitongore ebirikucondooza ,ebitongore bya gavumenti ebimanyirwe omu kuha ebiragiro, okubaasa kuhwera omu kuzibira, okucondooza,nainga okujunaana ebikorwa by’oburyangatanisa, okushongyera obwisi, oburyangatanisa nainga ebindi bikorwa by’ebihagaro, nainga ebikwatiraine n’amateeka,ebiragiro,ekiragiro kya kooti nainga eshonga endiijo ekwatiraine n’ebiragiro.

21.7 Hamya ngu ebiwaatugambira aha shonga z’okwehandikisa ahabw’obuheereza bihikire kandi birimu amazima kandi noikiriza okutumanyisa aho naaho nainga okumanyisa abahunguzi baitu ku haakubaho empinduka yoona omu bintu ebirikukukwataho nk’okubiraije.

21.8 Noohamya kandi nootwikiriza okutunga ebirikukukwataho, ebihandiiko ebirikukukwataho, ebikorwa ebi otwiire nookora aha simu hamwe n’ebindi kuruga omuri bataahi baitu, MNO,abu waahandiikisizemu SIM card ey’orikukoresa kutunga obuheereza bwa Airtel Money nainga abuwabandize kwehandikisamu okutunga obuheereza bwa Airtel Money.

21.9 Noikiriza okurundaana, okukoresa, okubiika n’okucencura (omu Ihanga n’aheeru y’Eihanga) ebirikukukwataho ahabw’eshonga z’okwehandikisa ahabw’obuheereza (omwo harimu obuheereza obwa hati na nyensya) nainga okuronda akatare nainga endiijo mirimo ya bizinesi ya AMC Uganda (n’abarikukwatanisa nayo) nainga ogundi muringo/okucencura okurikwikirizibwa omu mateek ga Uganda.

21.10 Abakozi ba AMC Uganda abarikukora aha shonga z’abantu nibahaburwa kukikora omu kihama kandi nibabaasa obutakyoreka omuntu otaikiriziibwe. Abakozi ba AMC Uganda nibagaruka bajunaanizibwa aha kurinda gye ebihandiiko n’amaraka omu kitongore. Abakozi abatarikukuratira ebiragirokandi batarikurindagye ebihama bya AMC Uganda baine kutwarwa omu muringo ogw’okubegyesa engyesho n’okufubirwa.

21.11 Omuntu weena orikutwara amakuru ahari AMC Uganda arikuraba aha nkora ya Airtel Money nabaasa kuhebwa orusa okuhikwaho amakuru ago. AMC Uganda etaireho enkora erikwikiriza okuhikwaho n’okutereeza omu makuru agarikuba gagihairwe.

Yetegyereze ngu ebiragiro n’obushonshorekye omu buheereza bwa Airtel Money , bihandikirwe enyima y’orupapura rw’okwehandikisa aha buheereza bwa Airtel Money kandi nibishangwa aha maduuka ga b a agyenti ba Airtel Money,emyanya y’obuheeereza bwa Aitel Money,hamwe naha website ya Airtel erikushangwa ahari www.airtel.co.ug/termCondition

WINYE MA DOORO TIC KI KONY PA AIRTEL MONEY ( CIK ME ALUBA)

1. WINYE

Winye man tye iye yoo ki cik ducu me aluba ma dooro kit me bedo ni iye,nongo ki tic ki kony mapat pat pa Mobile Money ma ki kubu ki cim onyo(Electronic) Money Services (“Airtel Money”) kit ma ki gonyo kany,yeyo ni pi bedo iye nyutu donyo ni winye ma pe tur ikin in kikomi ki AIRTEL MOBILE COMMERCE UGANDA LIMITED (ma ki lwongo kany ni “AMC Uganda”) Ladoor biacara (Airtel Money Services) pa Airtel Uganda Limited (onyo “MNO”).

Jolo onyo tic ki kony pa Airtel Money teloke ni iyee lubu cik ki yoo me aluba ducu ma kiketo,med ki tic kacel ki lu dooro ne onyo joo mogo ma tiyo macalo luwang gi ite cik med ki joo ma kimiyo gi twero me tic kun ticgi gi lubu yoo med ki cik ma kiketo me aluba ki kit aloka loka mo keken ma kiketo iye ma ki lwongo ni (“Terms of Use”).

Dong mite tutwal ni omyero kong ikwan wek iniang maber cik mamako kit me tic kwede.Ka pe iyee cik mamako kit me tic kwede,cii pe omyero imede ki coone pi nongo ki tic ki kony mapat pat me Airtel Money.

Ngec ma mako wan

Airtel Mobile Commerce Uganda Limited (“AMC Uganda”) obedo campuni ma loone kene onyo Private Limited Liability Company ma ocoone ilobo Uganda kany ite company registration namba 80010003488648/123833, dok obedo but Airtel Uganda Limited, dok jang dogtic ma Airtel Africa aye loyo. Malube ki cik ma dooro kit me cul ducu ilobo man onyo National Payment Systems Act, 2020, AMC Uganda onongo twero me loyo ki me miyo kony mapat pat pa Airtel Money kibot MNO. AMC Uganda tye ki licence me tic dok Bank of Uganda aye loyo ticgi ite cik me Payment Systems Operator (Electronic Money Systems) Licence Namba PSO 01/21 med ki Payment Service Provider (Class A) Licence Namba PSP 01/21 ma kimiyo inino dwe 6th May, 2021. Address onyo Gang kal wa me biacara tye i Airtel Towers, Plot 16A, Clement Hill Road, Nakasero. Itwero bene kube kwed wa icim namba +256200202003 onyo i customerservice@ug.airtel.com onyo i www.airtel.co.ug pi nongo ngec mapol ikom AMC Uganda, Onyo goo cim i Customer Helpline 100 ka gwok onyo itye ki lapeny mo onyo gwok imito ngec mamako kony mapat pat matye i Airtel Money .

2. LAGONY

Pi nyig lok magi ma watiyo kwede med ki nying gi ,nikwanyo ka dok bimite me aloka,ki gonyo gi kit man: -

“Account” Teloke ni account me Airtel Money pa customa, ma enoni aye wel lim ma wan watye ka gwoko ne malube ki wel cene ma la customa tye kwede me akuba icim onyo E-Value dok enoni cung macalo lawang cene makome ma lugwok account ma ngeene onyo Trustees dooro me kawang customa.

“Agreement” En aye winye man matye iye cik ki yoo me aluba ikit me tic kwede kacel ki fom me cooyo Sim Card,winye mogo ma okube kwede,yo me cul med ki kare gi ma wabi bedo ka loko ne kare ki kare.

“Airtel Money Account” obedo account me Airtel Money pa customa, ma enoni aye wel lim ma wan watye ka gwoko ne malube ki wel cene ma customa tye kwede me akuba icim onyo E-Value dok enoni cung kawang cene makome ma lugwok account ma ngeene onyo Trustees dooro me kawang customa.

“Airtel Money Customer Terms of Use” Eni obedo cik ma dooro kit ma wat matye ikin AMC Uganda ki customa malube ki kit me tic ki kony mapat pat pa Airtel Money omyero obed kwede,dok AMC Uganda twero loko ne i kare ki kare.

“Airtel Money Agent” Obedo ngat ma kiyero dok nongo ocoone pi miyo kony me Airtel Money.

"AMC Uganda” onyo "we" onyo "us" onyo “our” Obedo Airtel Mobile Commerce Uganda Limited, Ma katic gi ma ocoone dok ngeene tye i Airtel Towers, Plot 16A, Clement Hill Road, P. O. Box 6771, Kampala, Uganda, dok en aye tye ki Licence me dooro ticgi ite Payment Systems Operator (Electronic Money Systems) med ki Licence me rwom ma malo loyo i dooro tic me miyo kony me cul onyo Payment Service Provider (Class A) ma onongo kibot Bank of Uganda.

“Airtel Money Balance” Obedo wel lim ma ibedo kwede icim onyo E-Value kare ki kare malube ki wel cene ma iketo i account ni..

“Airtel Money Instructions” Man obedo kwena ma inongo icim ma wok ki i SMS/USSD/Airtel Money App pi kubi itic pa Airtel Money ki kubu cene ikin customa acel me dok bot ngat mukene onyo me dwoko ne cen pi cobo kony ma kipenyo pire ite kube me Airtel Money . 3

“Airtel Money Merchant” Man obedo lacat jami onyo kony ma yee kubu cat-te kun wok ki cene akuba icim pi jami med ki kony mapat pat.

“Airtel Money Services” Man obedo kony ma aa kibot wa pi miyo ki dwoko kawang cene ikube me cim onyo E-Value med ki kubu cene ikin lu customa malube ki cik ma dooro Airtel Money medo iye coyo piny cene ducu ma kikubu ki Airtel Money,Ngiiyo ka tye kakare med ki moko kace cene ducu ma kikubu ki Airtel Money tye atir ki roco ngec malube ki account pa customa kare ki kare.

“Airtel Money System” onyo “Airtel Money” Obedo yub ma wan aye waketo pi tyelo kony mapat pat ma wamiyo pi Airtel Money.

“Airtel Money Trademarks and Trade Names” Man obedo nying ki Lanyut me Airtel Money ma obedo megwa.

“Airtel Money Transactions” Man obedo kit cat mo keken ma adwogi ne kwanyo onyo medo wel lim ma customa tye kwede i account ne icim dok enoni tye ikin cat ma kinyutu kany idul me 4.

“Airtel Money User Guide” Obedo buk ma nyutu yub ma kiketo pi tic pa Airtel Money med ki tic-ce.

“Airtel Money App” Obedo yub ma AMC Uganda tiyo kwede pi miyo kony mapat pat,dok nonge pi joo ma tiyo ki cim Android med ki yo ducu,ma customa pa Airtel Money twero tic kwede pi nongo yub pa Airtel Money pi kit kony mo keken ma en mito.

“Bank Airtel Money Instruction” Man obedo ngec ma aa kibot Airtel Money kun miyo twero ki Bank ma okube ki yub me Airtel Money me keto cene i account ni me Bank ki kwanyo cene ki account me cim iwel moni ma kipenyo pire.

“Cash” Man obedo kom cene ma ngeene ite cik pa lobo Uganda.

“Cash-in Transaction” Man obedo yoo me cwalo cene makome bot agenti onyo lacat pa Airtel Money pi kubu cene i account ni icim.

“Cash-out Transaction” Man obedo yoo me loko cene ma aa kibot Agenti onyo lacat pi donyo i account pa ngat moni wek odok cene kikome. 4

“Confirmation SMS” Man obedo kwena macek cek onyo SMS ma nyutu cat ma otime ma kicwalo bot ngat ma ocwalo cene me cito bot ngat ma onongo inge cobo kony ma kipenyo pire i Airtel Money.

“Credit Balance” Obedo wel cene ma dong i account ni icim ikare ki kare lubu kit ma iketo kwede.

“Credit Transaction” Man obedo kit cat mo keken ma itimo ma weko kimedo wel ma itye kwede i account icim mi.

“Customer” onyo “you” Obedo ngat mo keken ma tiyo ki Airtel Money med ki ki joo mukene ducu (Medo iye dano kikomgi onyo lutic ite cik onyo kit dul pa lutim biacara mo keken ) ma gucoyo nying biacara gi pi nongo kony me Airtel Money .

“Commencement Date” Man obedo nino dwe ma icako kwede tic ki Airtel Money i SIM Card-di onyo nino dwe ma tic kwede ocake kit ma ki nyutu piny kany;

“Debit” Obedo kwanyo cene matye i account ni me Airtel Money.

“Customer Service Centre(s)” Man obedo dogtic wa me miyo kony mapat pat ki lwak kit ma ki nyutu kwede ibuk ma nyutu tic wa.

“Debit Transaction” Man obedo cat ma otime ma weko ki ngolo wel cene ni malube ki mok pa yub me Airtel Money.

“Designated Payee” Man obedo ngat mo keken (Medo iye in kikomi,customa mukene,Agenti onyo lacatwil leja leja) ma in aye icimo kun nongo owok ki SMS, me bedo ngat ma omyero kikub bote cene ki i account ni.

“Default PIN” Man obedo nyig nama 4 ma kitiyo kwede macalo PIN CODE ma kimiyi inge coone dok kitiyo kwede kicel keken pi miyo account ni ocak tic dok ma omyero ilok cut cut pi gwoko account ni i nama mukene ma ibitic kwede calo PIN.

“E-Money” Eni obedo wel cene ma kube ki cim ma onyute i account ni me Airtel Money ma cung kawang cene ma kome matye i account ma kigwoko dok ma kitwero loko ne kibot Agenti pa Airtel Money pi doko kom wel cene moni mamite ni. 5

“E-Value” man obedo wel cene akuba iyamo ki cim ma kicoyo i account pa customa,lakit wel cene enoni cung kawang wel cene kikome ma customa moni omyero obed kwede.

“Fees” Obedo wel cul pi kony ma kipenyo pire med ki cul mukene ducu matye i winye man pi nongo kony mapat pat me Airtel Money.

“Goods and/or Services” Obedo jami onyo kony mapat pat ma kitwero wilo kibot lucat Airtel Money kun gitiyo ki cene akuba iyamo med ki yub me Airtel Money.

“Inactive” man okube ki SIM Card, kun nyutu ni kony moni ma kipenyo pire ni pwud pe twero cako tic naka wang ma kare me nino 90 otum.

“Licence” Obedo twero me tic onyo Licence, ma tye iye jami ma kiloko calo ,nongo manyen ka kare pa macon ni otum,onyo leyo kawang ma obale,ma twero me timo gi Bank of Uganda aye miyo malube ki cik ma dooro lok kom cul onyo National Payment Systems Act, 2020, pi miyo kony me cul mawok ki iyamo onyo Electronic Money Payment Systems med ki (Electronic Money Issuance) ilobo Uganda.

“MNO” Gonye ni Mobile Network Operator onyo Airtel Uganda Limited ma tiyo kacel ki AMC Uganda pi miyo konyo me Airtel Money Service kun wok ki kube gi me cim itwok piny me lobo man.

“MNO Network” Man obedo kube me cim irwom me wilobo malutu onyo gonye ni Global System for Mobile Communications (GSM) onyo Telecommunications Network ma jang wa Airtel Uganda Limited tye ka dooro ne ( MNO),ma obedo dogtic matye ki licence me dooro kube me cim itwok piny ducu onyo National Telecommunications Operator (NTO) ilobo Uganda,ma en aye waleyo biacara me dooro kony pa Airtel Money kibote ite cik,dok en aye watye katic kwede kacel pi miyo kony me Mobile Money i kube gi me GSM Network.

“Mobile Equipment” Man obedo Cim cing med ki SIM onyo/onyo kit gin mo keken ma ka kitiyo kwed gi kacel cii miyo inongo kony pa Airtel Money.

“Mobile Phone” Man obedo cim-mi ma iwoto kwede icingi.

“MSISDN” Man gonye ni Mobile Subscriber Integrated Services Digital Network Number ma kimiyi kacel ki SIM Card med ki nama ma nyutu anga ma ibedo med ki PUK pi donyo i MNO Network. 6

“National Payment Systems Act” onyo the “Act” Obedo cik ma dooro kit me cul ilobo man onyo National Payment Systems Act, 2020.

“Nick-name” obedo nying ma pe ngeene atata ma pe omyero okat nyige 3-7 ma kitiyo kwede pi gwoko mung pa customa med ki ngec mukene ducu.Customa twero cako nying ma omito ki loko nying icawa mo keken.

“NIN” Gonye ni National Identification Number kit ma ki nyutu i National Identification Card mamegi;

“Originating Party” Eni obedo customa onyo lacat Airtel money ma en aye kubu cat me Airtel Money pi kubu cene wek ocit bot ngat ma obinongo.

“Payment” Obedo cene cul ma imiyo bot Agenti onyo lacat Airtel Money pi wilo en kom wel cene enoni wek odok i account mamegi.

“PIN” Man obedo nyig nama 4 ma nyutu anga ma ibedo ma kitiyo kwede macalo nama mung ma iyero pi dooro account ni.

“Pre-paid Airtime” Obedo wel cul ma ikwongo culu pi goyo cim i kube me MNO Network;

“Recipient” Obedo customa onyo Agenti onyo lacat Airtel Money ma onongo twero me gamo cene ma kikubu iyamo.

“Registration Form” Man obedo fom ma kiyubu ma ipongo pi coone pi nongo SIM Card, nongo kony i kube me MNO Network onyo Airtel Money, matye iye ngec mamako komi ki lok ducu mamite pi coone med ki yeyo ni pi lubu cik ma kicimo.

“Regulatory Authority” Man obedo Bank of Uganda, Uganda Communications Commission onyo kit dogtic mukene matye ki loc me tic ite cik med ki joo ma bibedo ka leyo kor gi ite cik ikare ki kare.

“Service” or “Services” Man obedo kony mapat pat me Airtel Money med ki kony mukene ma okube kwede ma wa yee me miyo boti ikare ki kare.

“SIM Card” Man gonye ni Subscriber Identity Module ma ka kitiyo kwede icim ma opoore cii miyo itiyo ki Airtel Money. 7

“SMS” Teloke ni kwena macek cek ma ikin gi tye iye kwena ma kicwalo ikin MSISDN acel me donyo i mukene kun wok ki i kube mapat pat iyamo onyo MNO Network.

“Tariff Guide” Obedo buk ma nyutu wel cul pi cat ducu kore ki kore kit ma omyero obed kwede pi kony me Airtel Money ma kigoyo dok kipoko i service centre wa ducu,Agenti onyo lucat mapat pat,dukan cat dok nonge bene i ikube wa iyamo i https://www.airtel.co.ug/ dok kiroco ikare ki kare.

“Terms of Use” Obedo cik me aluba matye i yeyo man ma kibibedo ka loko ne kare ki kare.

“Transaction” Obedo kit cat mo keken ma kitimo ma adwogi ne bedo medo onyo kwanyo cene i account pa customa dok man tye ikin gi cat mapat pat ma ki nyutu piny kany.

“Transaction Fees” Man obedo kum cul kikome ma in aye iculu pi tic ki kony pa Airtel Money kit ma kigoyo dok kiroco ikare ki kare ibuk ma nyutu cul onyo i Website ma ki nyutu iye.

“Transaction ID” Obedo nama recit ma kite opoke ma kimiyo pi cat mo keken ma owok ki Airtel Money ma kitiyo kwede pi lubu ki niang cat ducu ma kitimo i account ni me Airtel Money .

“Trust” Obedo kicaa lim pa Airtel Money onyo “Airtel Money Trust Fund”,ma en aye Dogtic ma ngeene,matye ki joo gi (Lugwoko ne) ma Bank of Uganda okwedo dok omoko me gwoko account pa dano.

“Trust Account” Obedo account me Bank ma wan aye waloyo i Bank me catowil malube ki cik,ma en aye kama kicwalo iye dok cul ducu ma joo maloyo aye gwoko me kawang lu customa pa Airtel Money.

“Trust Deed” Obedo cik-ke pa luloc med ki kit aloka loka mogo ma luloc oketo pi miyo twero me loyo cene ma kome ducu ma inongo i account ni malube ki cik ma kinyutu kany.

“Trustee(s)” teloke ni ngat onyo joo ma Bank of Uganda okwedo dok omoko pi loyo account moni kacel macalo luloc onyo Board of Trustees. 8

“USSD” gonye ni Unstructured Supplementary Service Data ma obedo diiro tet ma kiyubu i GSM standard pi tyelo kit me kubu ngec mawok ki kube mapat pat matye iyamo onyo i MNO Network.

“you” Obedo Customer.

"we" onyo "us" onyo “our” loko ikom Airtel Mobile Commence Uganda Limited.

3. YABO KI GWOKO ACCOUNT ME AIRTEL MONEY

3.1 Kony me Airtel Money tye pi ngat mo keken ma ocoone i MNO, ma obedo ngat ma tiyo ki cim cing ma kikubu ikube me cim onyo MNO Network ilobo Uganda dok matye ki Sim Card ma kicoyo dok ma tiyo i kube me MNO onyo kube mukene ma ngeene dok tye ki twero me tic.

3.2 Itwero coone pi account me airtel money acel keken pi sim card megi mo keken matiyo. Omyero ibed ki simcard ma ki yee ni otii ki Airtel Money ma en aye ibi tiyo kwede me nongo kony ki i Airtel Money kun nongo itiyo ki MNO network. Ka inen simcard ni petye ka yee tic ki Airtel Money, itwero loko ne iwel mo manok malube ki kit ma kibi nyuti, pi nongo simcard ma yee tic ki airtel money.

3.3 Itwero coone pi tic ki Airtel Money kibot MNO onyo ki ikabedo me MNO wa mo keken kibot Agenti me Airtel Money ma kimiye twero me tic, igweto bok ma opore ikare me pongo waraga me coyo simcard-di macalo yoo me nyutu miti ni pi coone onyo yee coone ki bene me tic ki Airtel Money kun nongo itiyo ki SIM card ni.

3.4 Ikare me miyo waraga me coone, bimite ni imi namba cim- mi me Airtel onyo (MSISDN), Nyingi weng kikome, cal- li, NIN onyo nama National ID ni, kabedo ni, Kati-ci onyo kama biacara ni tye iye (Ka tye), nino nywal-li ngec ikom anywali ka in lacoo onyo dako ki ngec mo keken ma obi mite pi ngeyo lucustoma ma kibi penyo ki bot wa malube ki cik matye.

3.5 Cal me ID ni ki Cal ma dong bot Agenti ma tye ka konyi ki coyo Sim Card ni.

3.6 Ka icoyo sim card-di pi tic ki Airtel money nongo iyee ki wan me tic ki ngec ma mako komi ma imiyo bot MNO ikare me Coyo sim Card -di, me cooyi pi kony me Airtel Money. 9

3.7 Ngec weng omyero obed adaa, gin mo pe omyero orem ki iye dok omyero obed ma nongo opore iyo ducu. Pe omyero imii ngec goba, onyo ma orem onyo ma nyweno wii dano.

3.8 Obedo tic-ci me neno ni ngec ma itiyo kwede me coone obedo ngec me kare ma cocok-ki.

3.9 Wan onyo Agenti wa obi ngiyo waraga me coone ni pi neno ni ipongo kama pire tek-ki ,neon ni ipongo weng dok bene wabi ngiyo waraga ma loko ikomi pi moko ni ki teto ateta dok wabi goyo cal pa waraga ma loko ikomi ma ikelo ni.

3.10 Watye ki twero me kwero cooni ka wa moko tam wa.

3.11 Watwero bene kwero yabo iti account ka inen pe wayeng ki waraga ma ikelo me nyutu nga ma ibedo onyo ka inen pe icobo miti acel ikin ma mite pi coone.

3.12 Watye ki twero me timo kwed onyo mede ki penyo pi ngec ma kwako account ni ikare mo keken ma ka inen pe itimo, wa keto dic ikom kit ma itiyo ki Airtel Money ni, keto lageng ikom account ni onyo ngolo account meno woko.

3.13 Ka inen coone ni pi Airtel Money owoto maber kibi mini PIN onyo numba me mung pi gwoko account ni ki bene ibi nongo ngec majoli ma moko ni coone ni pi Account otum maber.

3.14 Ka inen icako tic ki Account ni kun nongo iketo iye PIN ma kibi miyo iti, kibi legi me yero nama me mung me tic kwede macalo PIN ma megi ma kibi yee ni iti kwede ikare me tic ki Airtel Money pi culu cul mo keken.

3.15 Malube ki twero pa AMC Uganda me timo kwed ki ngiyo ngo matye, itwero nongo ngec ma mako account ni me Airtel Money iyoo mo keken ma kiketo ma ibi culu cente mo pire. Waraga ma nyutu ngec ma mako account ni obi bedo caden ma nyutu kit ma lim obedo ka wot kwede i account ni pi kare ma nongo tye i waraga meno.

3.16 Pi neno ni akala kala obedo pe, AMC pe bi miyo caden inyim court mo keken pi ngec ma mako account pa ngat-ti ma nongo ki gamo kibot AMC Uganda malube ki mok man.

4. KONY ME AIRTEL MONEY 10

4.1 AMC Uganda en aye dooro tic pa jang mobile money pa Airtel ma miyo iti gum me cwalo ki gamo cente kun nongo itiyo ki Sim card-di ma icoyo ni onyo MSISDN ma nongo MNO aye omiyo iti.

4.2 Airtel Money tye pi joo ducu ma gu coone ite MNO network katek inen gutyeko coyo Sim card gi. Joo matye ki Simcard me kube cim mukene pe gi nongo kwayi kony ma pat pat matye.

4.3 Itwero coone pi nongo Account me Airtel Money kibot MNO, joo ma cato Sim card onyo Agenti me Airtel Money kun nongo igweto bok ma opoore i karatac me coyo Cim Card-di ni.

4.4 AMC Uganda tye ki twero me moko wel Account adii me Airtel money ma itwero tic kwede icawa mo keken.

4.5 AMC Uganda tye ki twero me kwero coyo dano onyo ngolo account pa ngat ma dong ocoone i Airtel Money.

4.6 Itwero bedo ki cente ma pe ma kome i account ni me Airtel Money ka iketo cente makome icim-mi kibot Agenti me airtel money onyo ka ngat mukene ocwalo iti cente icim kun otiyo ki Airtel Money onyo Cente ma aa ki ilobo ma woko kun nongo wok kibot dogtic mapat pat ma tiyo ikom lakodi kobo cente meno onyo ki iyo mukene mapat ma AMC Uganda miyo.

4.7 Lok kom lim ducu bi time i cilling me lobo Uganda. Airtel money pe biyee lim mo keken ma nongo tye ki wiye ma tino tino onyo cents. Pi meno ki legi me neno ni iloko odoko cilling me Uganda ma tic-ce yot.

4.8 Cente ni ma ki neno calo ma pe obedo makome ki gwoko ki gen i account wa ma genne ma lube ki winye me gen ma AMC Uganda oketo iye cinge ki Ludito maloyo kicaa lim onyo Board of Trustees. Ka icako tic onyo imede ki tic ki Airtel Money, nongo iyee dok nongo iyeng ki winye me gen ma weko igeno gi me gwoko cente ni matye i account ma lube ki mok matye iwinye man.

4.9 Iyee ni luloc me kicaa lim gitwero tero ngec matye i Airtel Money macalo caden pi wel cente ma pe kome ma nongo tye i account ni icawa mo keken dok bene pe gibi timo kwed mo keken pirgi kengi ikom cente matye i account ni ma igeno gi me gwoko maber. 11

4.10 Malube ki wel cente ma ki keto ma pe omyero ikati ka itye ka cwalo onyo gamo cente med ki mok malube ki yo me tic magi ma kiketo, Itwero kwanyo Cente ma itye kwede i account ni icawa mo keken dok eni time ka iwaco ki airtel money ngo me atima.

4.11 Nge ni Airtel Money pe obedo Bank onyo dul lim ma gamo cente pa dano , malube ki mok matye ite cik ma doro dogtic matiyo ikom lim onyo Financial Institutions Act.

4.12 Cente ducu ma Airtel Money bi ngolo ki coyo gi piny i karatac matye iye wel cente ma ki ngolo ka inen itye ka cwalo onyo kwanyo wel cente moni. Magi twero nonge katic pa Airtel Money, Agenti onyo lacat Airtel Money, i internet onyo kit ma wabedo ka kati kwede ikare ki kare malube ki miti wa.

4.14 Ibi bedo ki gum me tic ki Airtel Money kace ilubu yoo me tic magi:-

4.14.1 Ka wa yele me neno ni ibedo ki kero me nongo kony me Airtel Money, Pe watye ka Waco ni kony eni bibedo tye ikare ducu dok bene pe kibi keto bal iwi wa pi gin mo keken ma ibi rwenyo macalo adwogi me bedo peke pa kony me Airtel Money. Yee yoo me tic magi, nyutu ni iyee ni Kony me Airtel Money bene nongo peko dok tye tyen lok mogo ma weko enoni tim-me lapore tic pa Lacwec, kit ma kabedo moni tye kwede, aloka loka ikit piny, roco onyo yubu kube me airtel money ma ikare mukene temo balo rwom me tic ki Airtel Money.

4.14.2 Kace Sim card-di orweny onyo obale, obedo ticci me niango wa cut cut ikom bal-le, rweny onyo kwo pa Sim card-di kun nongo igoyo cim i katic wa. Wabi loro account ni me Airtel Money Pi tutunu wek ngat mukene pe otii kwede wang ma kiyubu Sim card-di onyo wang ma inongo mukene. In aye ibi keme ki cul mo keken onyo kubu cente mo keken ma otime i Airtel Money Account ni naka wa ikare ma nongo ikelo kede adot bot wa dok bene iyee ni pe ibi keto bal ikom wa pi gin mo keken ma otime i cim- mi onyo i account ni me airtel money pi kare meno.

4.14.3 Gwoko mung ikom kit ma cente woto kede i account ni me Airtel Money pe obedo gin ma wabi waco ni obi bedo tye. Ki miyi tam ni pi tyen lok mogo ma wan pe wa twero juku ne, tye gum mo marac ni ngec ma kwako account ni joo mogo gitwero nongo ne iyoo ma turu cik mapat ki joo ma nongo imito ni gu nong. Pe watwero yee bal pi cente mo keken ma irwenyo, awano onyo bal-le pa gin mo keken ma aa kiboti macalo adwogi me pe bedo ki kero me gwoko mung. 12

4.14.4 Iyee dok imoko ni wa nyut / wanong / dok wa coo piny ngec ducu ma mako kit ma itiyo kwede ki kony ma pat pat macalo kit ma cente woto kwede onyo ngec ma kwako komi onyo waraga ma ki nongo kiboti pi tyen lok magi:-

• (a) Gengo tim me kwo lim ki keto cik itic;

• (b) Pi tyen lok ma mako biacara ma nongo okube ki kit ma itiyo kwede ki Airtel Money, lapore obedo poko ngec ikom biacara onyo jami mogo me timo kwed;
• (c) Me tic kwede i buk wa matye iye nama cim pi nongo ngec ma mogo ma ki goyo I karatac onyo ma tye i computer;

Me lubu cik mo keken, miti pa gamente onyo mok ma doro tic wa onyo ngol pa court me cik;

Wek lupilida wa gutii kwede ilok mo keken ma mako cik;

Itimo biacara lapore doro rwom me tic, pwony, ngiyo tebuk ki neno ni yoo me tic ma ki keto tye ka tic maber.

4.14.5 Iyee dok imoko ni w romo nyutu onyo gamo ngec ma mako komi onyo waraga ma mako komi malube ki ngec ma mite pi tic ki Airtel money matye ikine kit ma cente woto kwede, email onyo ngec ma kicwalo iyamo, SMS, data onyo internet. Ngec ma mako komi ki waraga ma nyutuo kwo ni mite pi jami magi;-

• (a) Pi luket cik itic irwom me tedero ki wilobo me tic kwede onyo dul mo keken matye ki twero onyo jang gamente me tic kede pi konyo nongo, gengo ki kelo adot me turu cik ki kwo inyim court;

• (b) Pi tic pa lumi kony wa, agenti matye ki twero, onyo company mo keken ma obi donyo iwinye me tic kedwa, Company ma dooro wiwa onyo matiyo kedwa pi tyen lok me biacara ma nongo okube ki kit me tic ki Airtel Money, lapore pi tyen lok me cato ngec ikom biacara ki tic kwede;

• (c) Pi konyo wa timo tic mo keken ma nongo okube ki cik, gamente onyo jami ma doro tic wa onyo ngol pa court me cik;

Pi tic pa lupilida wa, lungii tebuk wa onyo ludiro mukene me miyo tam onyo court mo keken pi tyen lok me winyo lok ma mako cik ma nongo tye ka wot anyim. 13

• (d) Omyero ilub cik mo keken ma mogo wa miyo boti ikare ki kare malube ki kit me tic ki Airtel Money.

• (e) Ikare mogo kibibedo ka neno kit ma cente woto kwede i account ni onyo ki coyo piny wek ki tii kwede ilok ma kom biacara lapore dooro rwom me tic, pwony, neno ni jami tic tye kawot maber, juku tic ki MNO network labongo twero onyo Airtel Money ki bene neno ni ki juku tim me turu twero.

5. YEE CAKO TIC KI YOO ME TIC MA KI KETO

5.1 Ki geno ni iyee yoo me tic ma ki keto ma mogo kibedo ka keto iye aloka loka ikare ki kare dok gi cako tic ka:-

• (a) Imiyo waraga ni me coone bot wa, bot MNO onyo Agenti ma tye ki twero; onyo

• (b) I acaki me tic pa account ni me Airtel Money ka i keto iye nama me mung onyo PIN.

• (c) Tic onyo mede ki bedo ka tic ki Airtel Money.

5.2 Yoo me tic magi kibi mede ki lubu gi kace gwok inen pe ki ngolo gi pi tyen lok magi.

6. JUKU PI TUTUNU, KWANYO IWI YAMO, NGOLO WOKO KI LORO ACCOUNT KI KONY MUKENE

6.1 Watwero juku pi tutunu, wa gengo, wa doro onyo wa ngolo kony me airtel money woko (Bute keken onyo weng) ki onyo bene wa loro account ni labongo peko mo keken dok bene labongo niangi pi tyen lok magi:-

6.1.1 ka inen kimoko ni pe dong itye ki cente onyo ka ipeke ki kero me culu banya ni ka inen kare me cul oromo onyo ka icwalo kwac ni (imiti ni onyo pe imiti ni) pi loro biacara, bedo peke ki kero me lim, bedo peke ki kero me culu banya me biacara ni onyo nongo gwok ikom joo ma itye ki banya gi;

6.1.2 Ka watye ki ngec onyo watye ki tyen lok me yee ni account ni, Cim -mi, MSISDN onyo PIN ma itiyo kwede me coyo account ni me Airtel Money gitye ka tic kwede labongo nongo twero, iyoo ma turu cik, iyo ma pe 14

opoore onyo itim me kwo onyo itim me turu cik (Onyo yam kitiyo kwede con);

6.1.3 ka dul mo keken ma gwoko cik onyo dul mukene matye ki twero onyo dul pa gamente ocako timo kwed ikomi pi tyen lok mo ma obi weko akala kala bedo tye ikom biacara wa;

6.1.4 ka pe ilubu yoo me tic onyo cik mamako tic ki Airtel Money ma ikine tye iye ka iniango wa pi kwo onyo rweny pa cim, onyo ka wii owil onyo inyutu numba ni me mung onyo PIN bot ngat mukene;

6.1.5 ka ki nongo kwac-ci me loro Account ni me Airtel Money ;

6.1.6 ka itimo onyo iyee ni kitim gin mo keken ki Account ni, Cim card-di, MSISDN, Pin onyo cim- mi ma wa tamo ni twero balo kit ma airtel money tiyo kwede;

6.1.7 ka inen account ni onyo Sim card-di ojuku tic.

6.1.8 Ka inen ituru cik ma mako but winye eni iyo mo keken;

6.1.9 Ka inen kinongo ni tye gin mo ma pe nyutu lok adaa i ngec ma imiyo ikare me coone onyo ka pe ibedo ki kare me loko ngec ma mako komi malube ki cik;

6.1.10 Ikare me peko me diiro ticwa , aloka loka mogo ki bene ikare me tic ikom kube mukene mapol.;

6.1.11 Pi tyen lok mogo ma nongo bwoyo kero wa.

6.2 Mapat ki gin ma tye kany, malube ki miti wa ,watwero juki ki nongo kony wa labongo niangi labongo peko mo keken.

6.3 Kama nongo ki juku iye tic me Airtel Money pi tutunu, ki kwanyo ki iwi yamo onyo ka ki ngolo, onyo ka nongo ki loro account, kibi dwoko cente ma onongo tye i account ni makome ka icito ika tic wa dok ka wa yeng ki caden ma ikelo botwa ikomi.

6.4 Pe kibi keto bal ikomwa pi jami mo keken ma obi rweny onyo bale iyo mo keken macalo adwogi me kwanyo onyo loro account ni ma wan aye watimo onyo jo ma watiyo kwedgi, kadi bed ni otime malube ki winye onyo 15

cik ka inen waloro onyo wa juku account ni pi tutunu malube ki mok me 6 eni.

6.5 Itwero ngolo winye man kace imiyo wa ngec ma iketo icoc ikare me dwe acel ma nongo pwod pe itimo;

6.6 Pe ibi keto kit adot mo keken ikom wa macalo adwogi me ngolo onyo kwanyo kony ma inongo dok ngolo kony magi pe obi turu twero mo keken ma onongo ki medo ikare me winye ma pwod peya kingolo kony kiboti;

6.7 Mapat ki mok mukene matye kany med ki mukene ducu, winye obi moko ikin jo aryo magi ngat ma peke ki kero me culu lubanya ne, kibi Waco ni kero ne me lim peke, ki loro woko onyo giko ne onyo turu cik ki yoo me tic magi iyo ma malo.

6.8 Pe tye ngat mo ma obi keto adot ikom lawote macalo adwogi me ngolo winye me miyo kony nikwanyo ka ngolo winye man obi turu twero mogo ma onongo kimiyo bot joo aryo niI acaki ma pwud peya ki ngolo winye man.

6.9 Ngolo onyo juku kony pe obi balo mok matye i winye eni onyo mok ma omyero ki ket itic ingee ngolo winye, onyo twero mo keken ma joo ma lok tye ikingi nongo kibot luwotgi ma obedo tye ikare me ngolo winye meno.

7. CENTE MA KI NGOLO IKARE ME KOBO CENTE

7.1 Karatac ma kicoyo iye wel cente ma kingolo iwi pi tic ki Airtel Money gitye i ka tic wa, Agenti me Airtel Money ma gitye ki twero kibene nonge i internet i website wa.

7.2 Cente ma ki ngolo ni omyero ki cul bot wa pi yub mo keken me kobo cente ma otime i account mamegi dok bene wa ngolo cut cut ki i account ni ka kobo cente mo keken otime I account ni me Airtel Money .Ibi nongo kwena icim-mi mamako kobo cente ma otime ki cente adii ma odong i account ni.

7.3 Tic ki Airtel Money iyo ma weko iculu cul ki cim- mi me kaka culu cente i bank obi weko ki ngolo cul iwii onyo ma kilwongo ni Bank charge ma wele obi bedo kit ma nongo ki moko kede ki ibank meno dok bene kibi ngolo wel marom ki wel ma bank ngolo.

7.4 Cente ma kingolo ni tye iye mucoro me Value Added Tax ento bene pwod twero medo mucooro mukene iwiye i wel ma nongo kimoko. 16

8. KOBO CENTE MA TIME I AIRTEL MONEY

8.1 Cente obi mede i account ni me Airtel Money ka inen inongo cente ma pe obedo makome ma onyo ka inen customa mukene ocwalo cente i account ni.

8.2 Cat ducu ma jwiko cente matye i account ni bi tic malube ki cik me airtel ma omyero in aye imi twero iye kun nongo itiyo ki nama me mung onyo PIN onyo yoo mukene ma kibi bedo ka nyutu iti ikare ki kare.

8.3 Pe ibibedo ki kero me kobo cente i account ni me airtel money ka inen pe itye ki cente ma romo i account ni me kobo cente iwel ma mite ki cul mukene ma nongo okeme kwede; Ka ioo iwel cente ma omyero obedo i account ma nongo AMC Uganda omoko ni pe omyero ikati; ka ioo iwel ma AMC Uganda oketo ni pe omyero ikati inino ki nino; Ka kiloro account ni pi tutunu onyo ka kiloro matwal pi tyen lok ma niange; onyo katye tyen lok mogo ma atir macalo gale itic pa jami onyo jami pe bedo ka tic maber.

8.4 Inge cobo coone pi account , ibi bedo ki kero me timo jami magi ki account ni:-

8.4.1 Keto cente ma pe makome icimi kun nongo itiyo ki Agenti me Airtel Money onyo ka tic wa. Itwero keto cente i account ni me Airtel money keken ento pe i account pa ngat mukene me Airtel Money. Pi keto cente icim mi, omyero imi ngec ma opoore ma kibi penyi pi niang ka in aye ibedo rwed account enoni kikome pi gwoko account ni ki cat ma kitimo pi niang ka adaa account enoni megi, ka inge meno imiyo cente ma imito keto ne icim mi bot agenti me Airtel Money. Ka ityeko miyo cente ni bot bot Agenti onyo lacat Airtel Money, omyero inen ni iketo cingi ite buk ma en tye kwede ma obi bedo caden ma nyutu ni dong ityeko keto cente icim- mi.

8.4.2 Nong cente i account ni iyo me nongo cul icim onyo cente ma nongo tye ka aa kamapat. Joo me Airtel Money gubi keto cente icim mi kit ma mite kwede.

8.4.3 Kwany cente ki icim-mi kun nongo wok ite cik me Airtel Money iyo magi:-

• (a) Kwanyo cente ki icim-mi wek ibed ki cente makome kibot Agenti mo keken ma kimiye twero me tic.

17

• (b) Kobo cente ma pe obedo ma kome ki icim-mi me cito i icim pa ngat mukene kun nongo itiyo ki nama gi onyo nying gi dok omyero iket wel cente ma itye ka cwalo ne.

• (c) Pi wilo airtime kun nongo itiyo ki cente ma pe obedo makome pi in onyo ngat mukene.

• (d) Kobo cente ki account i ni me cito i bank account pi bank ma tiyo ki Airtel Money.

• (e) Cul pi jami ma itiyo kwede paco ikare ducu onyo cul cul lumuku bot joo ma miyi kony, Dogtic matiyo ikom lim, dul mapat pat ma miyo kony ki lugoro ki mukene mapol.. ;

Culu pi jami ki kony ma inongo kun nongo iculu lutim biacara matiyo ki airtel money. Ikobo cente ma pe obedo makome me aa ki icim-mi pi culu pi jami onyo kony ma ngat ma tiyo ki Airtel Money omiyo boti.

8.4.4 Kobo cente mo keken mapat ma AMC Uganda bi kati kwede onyo joo matiyo kwedgi ikare ki kare.

8.4.5 AMC Uganda tye ki twero me nyutu wel cente ma omyero pe ki kat kace kitye ka kobo cente dok bene twero weko account me Airtel Money mukene bedo ki wel cente ma lamal ma omyero pe gukati ka iporo ki pa joo mukene ma enoni tim-me malube ki mok pa cik onyo yoo me dooro tic matye.

8.4.6 AMC Uganda pe moko ni kony weng ma mite bi bedo tye ikare ducu dok bene bikwanyo kony mogo onyo kony me Airtel Money weng kace inen aloka loka tye icik onyo ka cik mo manyen okati onyo pi mok ma ooa ki iot moko cik, cik pa gamente onyo tyen lok mukene ma weko time.

8.4.7 AMC Uganda bimedo kony mukene pi Airtel Money ka inen dogtic me lim gikati ki gin mo onyo kony mukene manyen. Tic ki yoo magi pe weko inongo kony weng ma dogtic me lim enoni miyo onyo dul mukene mapat pat. Ka itiyo ki yoo magi me nongo kony mawok ki bot yoo ma dul magi oketo, nongo iyee me tyelo ngee AMC Uganda ikom gin mo keken, dok nongo rom ma iwaco ni AMC Uganda peke ki bal mo kace inen irwenyo lim-mi macalo adwogi me tic ki dul magi ma tiyo ki Airtel Money pi timo biacara gi. 18

8.4.8 Ka wa ngiiyo matut yub me biacara wa, diiro ki miti pa lwak onyo tyen lok mogo ma mako tic wa, aloka loka ilok me biacara, tam ma oaa kibot dogtic mapat pat ma dooro tic onyo jami ma cal kumeno, AMC Uganda twero weko yoo me tic magi bedo malube ki jami matye ka diiyo tic ki yub man dok bene bi niangi ikom aloka loka matye kun gibitic ki yoo ma opore. Mede ni me tic ki Airtel Money kibi tero macalo iyee yoo ma kiketo med ki lubu cik ma pat pat malube kwede.

8.5 Ka icobo coone pi account , Ibi bedo ki kero me tic ki Airtel Money pi:-

8.5.1 penyo pi repot manyutu kit ma cat obedo ka wot kwede;

8.5.2 Roto cente ma odong I account ni ki account me bank ma megi (ka tiyo ki Airtel Money) ;

8.5.3 Loko namba me mung ki nying ma pe obedo adaa ma imito tic kwede.

8.6 Ka inen cat mo keken me kobo cente i Airtel Money otum maber, ngat ma onongo cente ki ngat ma ocwalo cente gibi nongo kwena matye iye nama ma kite opoke ma nyutu kobo pa cente meno ki wel cente manyen ma dong i account gi onyo i bank account gi. Ngec matye bot jo me airtel money kibi tero calo ngec adaa kace gwok caden mukune tye ma nyutu ni pe obe adaa.

8.7 Cat mo keken me kobo cente ki i account ni kun nongo itiyo ki nama me mung ma megi onyo PIN kibi ngolo ki iwii account ni. In omyero iyee meno, kace gwok onyo wang ma AMC Uganda onongo ngec kiboti ni nama me mung ma megi onyo PIN dong pe obedo gin me mung pien ni byek tye ni ngat mukene dong ngeyo onyo ka kikwalo cim- mi onyo orweny, mogo watiyo ki jami ma itimo med ki nama me mung macalo caden ni in aye iyee ni kikob cente ki icim mi, kadi bed ni otime labongo twero ni. Pe wabi mito kit coc mo keken manyutu cik ma aa kibot Airtel money.

8.8 Obedo tic -ci me roto ngec ma iketo ma lube ki tic ki Airtel Money (Lapore obedo wel cente, Nyingi ma pe obedo adaa, ki nama pa ngat matye ka nongo cente, nyinge, nama pa account me bank ka nukta onyo numba ma jang bank enoni tiyo kwede) Ma pwod pe inyutu ki Airtel Money me cwalo cente meno. 19

8.9 Ka dong kobo cente otyeko time nongo dong en kite weng enno dok pe itwero dwoko ne cen, dok bene AMC Uganda pe bibedo ite diic mo keken me dwoko ne cen. Airtel Money pi tyen lok mo keken pe bi dwoko cen cente mo keken ma nongo gungolo pi konyi kobo cente, kadi bed ni tele obedo tye ikin in ki customa mukene onyo Agenti me Airtel Money onyo ngat mukene onyo ikin ngat ma ocwalo cente ki ngat ma ogamo cente. In aye ibi keme ki tic me cobo peki magi ducu labongo wan donyo iye iyo mo keken.

8.10 Mapat ki mok me wi atii ni, AMC Uganda tye ki twero, malube ki miti ne me ngolo onyo dwoko cen cente ma nongo ki kobo kace gwok inen tye lok ma atir ma kimiyo lapore kace gwok inen cing ocer onyo caden ma nyutu ni kwo otime tye dok bene ka inen ngat ma kicwalo cente bote pwod pe onongo cente dok bene ka kwac me dwoko cente meno cen ki kelo ikine kare ma pe kato dwe acel nicake ma gin enoni otime.

8.11 AMC Uganda pe bi bedo ite diic mo keken me dwoko cen onyo culu ngat ma ocwalo cente ka inen ocwalo cente ma pe ongeyo onyo ka ki kikwalo cente ki i account ne onyo ka ki buure me cwalo cente, kama nongo jo ma gunongo cente gu kwanyo cente ka gutiyo kwede. Pi meno iyee ni pe ibi keto bal iwi AMC Uganda pi jami mo keken onyo cente ma irwenyo macalo adwogi me cwalo cente pien ni cingi aye ocer onyo kikwali onyo ikobo cente ki i account ni pien onongo kitye ka buri onyo onongo itye ite diic pa lutim aranyi.

8.12 Ka inen inongo cente ma onongo omyero pe obed megi, omyero iyee ni ibi dwoko cen cente meno bot ngat ma ocwalo, ma ka pe itimo, AMC Uganda twero dwoko cen cente meno bot ngat ma ocwalo. D ki ok kitwero keto adot ikomi pi tic ki cente ma pe megi ite cik.

9. GWOK KI TIC LABONGO TWERO

9.1 Nama me mung onyo PIN acel keken aye twero tic i account ni.

9.2 In keni aye omyero iti ki account ni, Cim- mi, Nyingi ma pe obedo adaa ka PIN onyo nama me mung.

9.3 Obedo tic-ci kong mukwongo ,me gwoko PIN onyo numba ni me mung , PIN manyen ka nyingi ma pe obedo adaa, kama ber, imung dok iyo maber, pi tic ki cim-mi iyo maber med ki cat ducu me kobo cente ki Airtel Money account ni kun nongo itiyo ki PIN ma megi. 20

9.4 Ka bi mite ni omyero inyut ngat ma ibedo kun nongo itiyo ki nyingi ma pe obedo ada, pe omyero inyut PIN ni bot ngat mo keken ma ikin gi tye iye lutic ma nongo I gangi tic wa me miyo kony ki lucustoma.

10. TIC PA CUSTOMA

10.1 In aye ibi culu cente ducu ma kibi ngolo pi tic ki Airtel Money ma nongo okato ki PIN ma megi, matye iye kobo cente ducu ma nongo in aye itimo i account ni onyo nongo ngat mukene otiyo kede kadi bed ni otimo ki twero ni onyo labongo ngec-ci onyo twero ni. Eni bene bi time pi cente ducu ma omyero ki ngol med ki cente ma Bank ngolo pi tic kwedgi.

10.2 In aye ibi keme ki jami onyo ngec ducu ma icwalo ma nongo ki neno calo balo nying, onyo pe lubu cik onyo bal me tic ki jami pa dano labongo penyo pi twero, ibi keme ki adot mo keken ma bino ikom wa malube ki gin ma otime med ki culu wa pi cente mo keken ma wa rwenyo macalo adwogi pa gin ma otim-me.

10.3 Pe omyero itii ki Airtel Money pi timo bal onyo turu cik.

11. TIC WA

11.1 Wa moko ni cul ducu (med ki cente mukene ma wa nongo i account wa me kicaa lim ma nongo tye malube ki cente ma ki keto i account ni me airtel ki gwoko i account me kicaa lim wa piri dok bene pi miyo ibed ki kero me tic ki wel matye i account ni pi konyi. I yee ni water wel cente matye i airtel money ni macalo caden pi wel cente ma pe makome matye i account ni dok bene wan onyo luwang wa pe wabi timo kwed pir wa kenwa ikom cente matye i account mamegi. Dok bene imede ki yee ni malube ki cul mo keken ma itimo kun nongo itiyo ki cente ni ma iketo i kica lim wa, wan onyo luwang wa wabitimo tic wa malube ki gin ma inyutu kun nongo itiyo ki PIN ma megi, nyut ma nen kibotwa ni tye ka aa ki boti kun nongo kitiyo ki PIN mamegi, kadi ngat mukene aye otimo.

11.2 Iyee ni watye ki tic me keto lim matye icing wa itic malube ki cik med ki ngo ma bank madit me Uganda mito. Dok bene imede ki yee ni, watye ki twero me tic onyo gwoko magoba mo keken madongo ikom cente wu ma nongo tye icing wa kun nongo walubu yoo me tic ma Bank madit me 21

Uganda okati kwede malube ki cik me cul onyo National Payment Systems Act.

12. TIC WA KI JAMI MA PE OBEDO TIC WA

12.1 Ka inen kare oromo me loko onyo miyo iti nama me cim manyen macalo yo me cobo miti pa ludoor tic wa onyo pi tyen lok mukene mapat, tic wa obi gik igwoko account ni onyo ka pe cii, kobo account ni me cito i MSISDN manyen, ma ka inen pe olare cii wabi culu wel marom ki cente ma onongo tye i account ni.

12.2 Irwom ma malo ma ki yee malube ki cik, pe waketo iye cik-ke mo keken kadi bed ni obedo cik-ke ma ki timo atir onyo pe kitimo atir boti.

12.3 Irwom ma malo kit ma nongo cik cimo kwede, pe kibi keto adot ikom wa pi wel cente mo keken, rweny pa jami onyo bale pa gin mo keken kadi bed ni otime atir, pe iyo ma jwi onyo iyo madit, ento nongo oaa ki i miyo kony wa, onyo pe pi bedo wa ki kero me miyo kony, in ibi gwoko wa ikare ducu ikom cente ma mite, tim, adot, miti ki bale pa jami mo keken ma time ikare mo keken onyo iyo mo keken ikare me tic ki Cim-mi onyo Sim Card ma nongo in onyo ngat mukene aye otiyo kwede.

12.4 Pe kibi keto bal mo keken iwi wa ka inen pe watimo tic wa kit ma mite pi tyen lok mogo lapoore yub pa lacwec, yub pa Gamente, jemo pa lutic, mac, kalele, lut kot, two ma kobo oyot ikin dano, onyo peko mukene ma aa kibot jo ma tyo kedwa onyo jo ma miyo botwa wa kony onyo peko mo keken ma bwoyo kero wa.

12.5 Pe kibi keto bal iwi wa pi winye matye, onyo tim me turu cik ma nongo ngat ma kitimo ikome omyero ki cule (Ma ikine tye iye tim caro) onyo pi cente ducu ma omyero ki cul, rwenyo ki bale pa jami mo keken ma time kadi bed otime iyoo me atir, ma time iyo ma pe jwi, ma otime atura,onyo ma obino macalo adwogi pa gin mo marac ma otime ma nongo tye ka aa ki i kony ma wa miyo onyo pe miyo kony ma mite ma ikine tye iye rwenyo magoba, biacara, cente ma byek tye ni omyero nongo ki gwok onyo ngec onyo pi cente ma nongo ki lanyo pi culu jami mogo.

12.6 Jo ma wamiyo itgi twero me cato jami wa med ki agenti weng gubedo jo ma cung pirgi kengi ma wan aye wamiyo itgi twero me timo biacara me Airtel Money dok wat mo keken me tic peke ikin wa kedgi dok bene pe kibi 22

keto adot ikomwa pi balm mo keken ma gutimo onyo tim caro mo keken kitung botgi ikare me timo biacara me Airtel Money .

12.7 Pe kibi keto adot ikom wa pi gin mo keken ma ibi rwenyo kace gwok caden tye ma nyutu ni gin enoni otime pi caro wa onyo ka caden tye ma nyutu ni wa timo gin ma pe opoore akaka. Ka inen pe watimo tic wa iyo me caro onyo iyoo ma pe opoore, wabi culu wel cente ma nongo customa ma calo in orwenyo pi gin ma otime ni; kadi bed wangeyo ni peko ma ikato ki i iye ni pe obedo gin ma time ikare ducu.

13. ALOKA LOKA

13.1 Watye ki twero me loko kit ma jami woto kwede icawa mo keken dok bene labongo miyo iti ngec. Ngec ikom yoo me tic ki ngec ikom cente ma ki ngolo. Kibi niango dano ikom aloka loka matye kun nongo ki tiyo ki gajeti akwana, SMS,onyo i website wa I kube me yamo onyo internet onyo tic ki yoo mukene ma opoore dok bene kibi tero ni dong kiniangi ikom aloka loka mo keken matye kadi bed ni pe ingeyo pire.

13.2 Mede ni ki tic ki Airtel Money nyutu ni in dong iyee aloka loka ma kicoyo med ki jami ducu matye i mok ma malo ni. Ka inen pe iyee aloka loka mo keken ma okati, cii pe itii ki Airtel Money pien kibi teri calo ngat ma oyee aloka loka ma ki kati kwede ni.

14. KWAYI JAMI MUKENE

14.1 Winye eni (ma kibi bedo ka loko mok ma i iye ikare ki kare) kitimo ite cik dok tiyo ikom in ki jo ma obi leyo kori onyo jo matye ka cung me kawang in onyo jo ma kicimo gi.

14.2 Winye eni pe kimiyo bot ngat mukene mapat.

14.3 Gale mo keken onyo pe miyo kony kitung bot wa onyo kitung bot customa ikare me keto itic twero wa onyo yoo me cobo peko ma kiketo kany itic, pe kibi tero calo tim me jalo pi twero, onyo keto twero onyo yoo me cobo peko moni itic, pe obi gengo keto itic cik mukene matye ni med ki yoo mukene matye me cobo peko.

14.4 Ka inen mok ma ikin mok matye i yoo me tic wa ni langol kop, court onyo dul mo matye ki twero onongo ni pe tiyo onyo pe twero kete itic,cii enoni 23

pe obi gengo tic pa mok mukene ma pe tye ki peko ni med mukene matye dok mok acel eni pe twero balo tic gi gubi mede ki tic irwom ducu.

15. REPOT KI NGEC IKOM KIT MA JAMI TYE KAWOT KWEDE I ACCOUNT NI

15.1 Itwero penyo pi repot me nyutu kor tic magi kibot airtel MO kun nongo itiyo ki cim-mi: -

15.1.1 Roto cente ma odong i cim-mi;

15.1.2 Ngec ikom kobo cente aryo ma igiko timo i cim-mi;

15.1.3 Kit ma jami tye kwede ikom cat mo me kobo cente ma itimo i Airtel Money icim mi;

15.1.4 Ngec ikom cat me kobo cente pi nino ma okato ma itimo i airtel money i cim-mi;

15.1.5 Wiye wiye pa ngec ikom kit ma itiyo kwede ki cente inino moni i account me airtel money icim-mi.

15.1.6 Wiye wiye pa ngec ikom kit ma itiyo kwede ki cente idwe ma okato i account ni me airtel money icim-mi.

15.2 Pe kibi mini repot magi ikom karatac ento kibi cwali icim-mi macalo kwena macek onyo SMS onyo i internet kun nongo kicwalo ii email ni.

16. 16. CIM-MI ONYO JAMI TIC-CI KWERO TIC

Pe kibi keto adot ikom wa pi rwenyo jami onyo cente mo keken ma obi time macalo adwogi me rweny pa network, tic ma pe woto maber, onyo gale kibot Airtel Money, MNO network, cim-cing, onyo internet onyo diiro mo keken ma konyo tic wa wot anyim, ma twero time pi tyen lok ma bwoyo kero wa.

17. GWOKO MUNG NYUTU JAMI ONYO GWOKO NGEC

17.1 Jo matye ka donyo iwinye eni gi yee me gwoko imung mok matye i winye matye icik me tic eni, ngec ducu ma guyee ni obedo mung med ki ngec mukene ma kati ikare me tic ki Airtel Money dok bene ni ngat acel acel 24

matye iwinye eni obi tiyo ki ngec matye ni pi timo tic-ce keken malube ki mok matye icik me tic eni onyo kit ma nongo cik me lobo cimo kwede.

17.2 In iyee dok bene imiyo twero ki AMC Uganda me miyo ngec ma mako nyutu kit ma kobo cente kwede i account ni onyo ngec ma mako account ni me airtel money bot dul mo keken ma kiketo ite cik, lutim kwed onyo dogtic mapat pat ma tiyo kacel ma ikingi tye iye Abili , Bank madit me Uganda, Uganda Communications Commission (UCC), Financial Intelligence Authority (FIA), Inspectorate of Government (IGG), Uganda Revenue Authority (URA) onyo dul mo keken matye ki twero pi timo kwed ma nongo tye ki miti maber onyo ngat mukene ma nongo gwok icoc onyo i itic ki Airtel Money nongo omiyo twero ki AMC Uganda me kati ki ngec ma mako ti-ce ki Airtel money kun nongo itiyo ki kony ma gimiyo iti, matye i account ni me Airtel Money, ka teki twero ma imiyo bot AMC Uganda me nyutu lok bot ngat mukene (ma pe obedo dul ma keto cik itic, dul timo kwede onyo dul ma dooro tic) malube ki mok eni kitwero kwanyo icawa mo keken.

17.3 I yee ni ka dul ngolo kop omoko ni account ni tye iye cente ma ki nongo iyo me kwo onyo lukwo tye katic kwedi me keto cente gi itic, AMC Uganda kun lubu cik,twero jalo cente ni bot dul matye ki twero me gamo cente ma orweny ikare me timo bal.

17.4 AMC Uganda bikati ki adot ikom tim mo keken ma akala kala tye iye i account me Airtel Money bot dul ma timo kwed pi niang adaa pa cente onyo Finanacial Intelligence Authority (FIA) onyo dogtic mukene ma neno lok me keto cik itic.

17.5 Iyee ni AMC Uganda twero gwoko ngec ma mako kobo pa cente i account ni pi kare ma twero oo imwaka apar onyo kit ma nongo cik cimo kwede.

18. TWERO ME CULU BANYA

Wabi bedo ki twero me culu banya mo keken bot Agenti onyo lacat malube ki mok matye iwinye kun nongo watiyo ki wel banya pa Agenti ma nongo watye kwede kadi bed ni omyero kilub mok matye i winye eni onyo pe.

19. COBO TELE KI TWERO ME MOKO TAM 25

19.1 Yoo magi me tic tye ma lube ki cik me lobo Uganda dok bene gin aye gi dooro yo me tic magi.

19.2 Jo matye ka tele gubi timo tek me neno ni gu cobo laara ducu matye ikin gi macalo adwogi me keto yoo me tic magi itic onyo idog tic gi kun nongo gi bedo ki kare me nywako lok med ki neno ngo me atima pi ber bedo pa gin weng.

19.3 Mapat ki gin ma ki keto kany, lapeny ducu matye ka aa ki bot jo matye ki laara med ki koko ducu matye ka aa ki ilok eni ma nongo pe ki cobo ikare me lok kibi cwalo inyim langol kop ma nongo langol kop enoni jo ma tye ka tele ni aye gubi winye me cim-me onyo en nongo ngec ikine kare me nino 30 inge nongo ngec ikom tele ni, ka inen ngat acel ikin jo matye ka tele omiyo ngec, onyo ka kicwalo koko ne bot ladit ma loyo lok kom laro lok iyo me kuc ite dul me Center for Arbitration and Dispute Resolution (CADER).

19.4 Kodi lok me riyo tal eni kibi timo ki Kampala malube ki mok matye icik pi cobo lok iyo me kuc onyo the Arbitration and Conciliation Cap. 4 me Uganda onyo cik mukene ma okati ingeye med ki mok mukene, Cik ki mok mukene matye ka tic ikare enoni i lobo Uganda pi cobo tele iyo me kuc.

19.5 I rwom ma cik yee, ngol pa larii tal onyo la ngol kop en aye kibi wot kwede, dok en aye obi bedo adaa pa lok dok bene obi tiyo ikom jo matye ilaara meno.

20. JAMI DUCU KACEL

20.1 Ibi culu cente ducu ma wabi tiyo kwede ikare me gamo banya wa ki boti ma ikine tye iye cente ma watiyo kwede iyo me lubu cik, cente ma watiyo kwede ikare me gamo banya ki cente ma watiyo kwede ikare me yenyi.

20.2 Pe kibi keto bal ikom wa pi kit bal-le onyo rwenyo pa gin mo keken kitung boti ma obino pi tim wa onyo ka pe waweko gin moni ocobe onyo jo mukene matiyo kedwa dok kadibed obedo gin ma tye iwinye onyo i cik.

20.3 Omyero iniang wa cut cut ikom aloka loka mo keken ma itimo ikom ngec ma imiyo pi coyo Sim card-di bot MNO.

20.4 Iyee ni ngec ma mako komi, ikine tye iye ngec ma nyutu nga ma ibedo, ngec ikom kubu cat ma time i account ni me Airtel Money onyo kit ma ibedo ka lok kwede ki lutic wa ma miyo kony ki customa onyo Agenti wa 26

ma gitye ki twero me tic kibi coyo onyo kimako ngec magi ka ki gwoko gi, Pi tyen kop me gwoko , ma eni obitero mwaka apar ocake inino ma igiko nongo kwede kony meno onyo nicake ma kiloro kede account ni onyo kare ma nongo cik aye nyutu onyo dogtic mo keken ma doro tic wa onyo matye ki twero me tic.

20.5 Twero pi jami ducu ma airtel Money tiyo kwede onyo matye i karatac ma watiyo onyo wakati kwede ni, tye icing wa onyo icing lumii twero magi botwa. I yee ni pe ibi nongo twero mo keken mapat.

20.6 Watye ki twero me cwali ngec kun nongo watiyo ki kwena macek onyo SMS mabino kama itye iye onyo inama cim ma iketo i karatac me coone.

20.7 Ngec ducu, me cik onyo mukene mo keken ma kicwalo botwa, omyero ki cwal ikabedo eni onyo kabedo mukene ma wabi cwalo ngec-ce kare ki kare, Cwal bot Managing Director, Airtel Mobile Commerce Uganda Limited, Airtel Towers, Plot 16A Clement Hill Road, P. O. Box 6771, Kampala, Uganda.

20.8 Kadibed ni jami magi kiketo gi kany, yoo me tic ki cik magi lubu yoo me tic ki cik ma bino ki itwero ma Bank Madit me Uganda miyo kacel ki dogtic mapat pat mukene ma doro tic, onyo cik mo keken, ngol ma bino ki twero onyo winye ma cako tic onyo ma bi cako tic ikom wan onyo in. Ka inen gin mo keken matye kany tye ka pyem ki tic wa malube ki twero moni onyo cik, onyo ka itimo gin mo keken ma weko ki tero wa calo jo ma oturu twero onyo cik onyo mok matye icik, wabi bedo ki twero me penyi pi cente mo keken ma wa rwenyo pi pwod ma nongo ki ngolo iwii wa onyo gin mo keken, onyo ka gwok onyo oturu yoo me tic wa,kitwero ngolo winye ma kimoko kany ni kwanyo ka gwok kit me turu cik,onyo aroca roca onyo peko moni matye ni twero yube labongo keto wa i juku miyo kony wa .

20.9 Pe tye gale mo keken onyo pe timo gin ma mite ma kibi tero calo jalo twero ki tung botwa onyo bot in malube ki tic ki twero wa onyo tic ki yoo me cobo peko ma ki keto, onyo keto twero onyo yub mo keken itic onyo but twero onyo yub moni itic, pe obi gengi ki keto twero onyo yub mukene ma odong itic.

20.10 Pi jo matye iwinye, ka ngat acel ikin gi pe oketo twero ne itic ma lube ki winye matye icik ki yoo me tic magi, enoni pe bi gengo gi tic ki yub mukene me keto twero gi itic malube ki cik dok bene pe nyutu ni wa yee bal mo keken ma kibyeko ni otime. 27

20.11 Twero ki yoo me cobo peko matye egi ni kimedo ikom mukene ma dong tye dok pe cung kene ento tiyo kacel ki mukene ma cik ocimo.

20.12 Obedo tic-ci me culu cente weng ma tye boti ma ikine tye iye cul malube ki cik, cente ma watiyo kwede ikare me gamo cente ki bene cente ma kitiyo kwede ikare me yenyi.

20.13 Pi gwok ma megi, omyero igwok iyo me mung ngec ducu ma kwako lok komi, onyo nama ma itiyo kwede pi gwoko account ni ikare me nongo kony magi. Nama ducu ma itiyo kwede ikare me nongo kony ki bot wa, wan aye watye ki loc iye ikare ducu.

20.14 Twero pi jami ma watiyo kwede lapoore diiro ma watiyo kwede i computer (ikine tye iye software), wan aye watye ki twero i iye onyo joo ma miyo kony meno botwa dok wan bene wa miyo bot customa wa, ite twero me tic, ma aa ki bot wa pi timo tic ma okeme ki kony ma wamiyo .

20.15 Ka pe ilego kun iketo kwac-ci icoc, ka in onyo ngat ma icwalo oculu cente ma mite, wan pe miyo ngec ikom kobo pa cente meno onyo kit ma loko cat obedo ka wot kwede ikin wa ki in.

20.16 Ka inen Langol kop ma neno lok me cobo tele iyo me kuc, Court onyo dul mo keken matye ki twero onongo ni mok mo matye i cik onyo yoo me tic eni pe obedo gin ma tiyo onyo pe kete itic, mok eni bedo pe ite cik onyo pe tiyo, pe bi kelo peko ikom mok mukene matye dok mok weng ma eni pe diyo gi tutwal bimede ki tic.

20.17 Ngec ducu ma wabi mito cwalo boti ikare ki kare matye iye aloka loka ma time ikom cik ki yoo me tic magi, aloka loka ikom kony ma wamiyo onyo aloka loka ikom cul ma wa ngolo, yub me dwoko pwoc bot customa wa mo keken ma time med ki ngec mukene bikato ki a gajeti akwana, kwena macek onyo SMS, i website wa, ki onyo tic ki yoo mukene ma opoore pi TIMO MENO ma nongo kibi tero ni dong kityeko mini ngec kadi ka inongo ngec enoni onyo pe.

20.18 Winye eni tye iye winye ducu matye ikin jo matye iye dok bene leyo kawang winye onyo kit wat mo keken ma onongo tye ikin jo matye iye malube ki yub me miyo kony macalo lacat onyo Agenti ma miyo kony me Airtel Money. Malube ki mok namba 13, aloka loka mo keken i winye eni obi tiyo kace inen ki keto kun nongo jo matye iwinye eni guketo iye cingi. 28

20.19 Kace gwok inen kama winye eni onyutu, twero ki yoo me cobo peko matye i winye man bitic kacel ki mukene ma onongo tye con dok bene pe gicung kengi ento gitiyo kacel ki mukene ma cik ocimo. Gal-le pa AMC Uganda onyo pe keto itic mok matye i winye eni icawa mo keken onyo tic ki twero ne matye i winye man pe nyutu ni ojalo twero magi onyo twero me keto mok ma ki kati kwede itic lacen iwang kare mo keken.

20.20 Ka inen court onyo dul mo keken matye ki twero onyo langol kop pi riyo tal iyo me kuc ma kicimo omoko ni mok matye iwinye eni pe tiyo, pe lubu cik, onyo pe kete itic, jo matye iwinye gubi loko mok meno iyo ma opoore ma nongo cobo miti gi dok ka pe otime, cii mok ma nongo tye ki peko ni kibi kwanyo ki iwinye man labongo balo mok mukene ma odong iwinye man ma gubi mede ki tic dok nongo jo matye iwinye omyero gulubi.

21 GWOKO NGEC MATYE I MUNG

21.1. AMC Uganda ngeyo kit ma gwoko ngec ducu ma customa me Airtel Money miyo obedo gin ma pire tek. Lok eni tye me nyutu kit ma wa woro kede twero ni me weko lok komi obed imung.

21.2. Airtel gamo, atir onyo kun wok kibot MNO onyo kibot agenti, Ngec ma mako lok kom dano pi tic kwede i Airtel Money ,pi miyo ki dano account me Airtel Money, loko ngec matye i account me Airtel Money kidok me miyo kony ki customa. Pe omyero imii ngec mo keken ma pe obedo adaa, ma pe tye atir, ma bute orem, onyo ma pe nyutu ki dano gin atir dok bene ngec meno omyero obed ma nongo lubu cik ducu matye ma ikine obedo the National Payment Systems Act, 2020, the Anti-Money Laundering Act, 2013, Uganda Communications Commission Act, 2013, the Registration of Persons Act, 2015 the Regulation of Interception of Communications Act, 2010, ki the Data Protection and Privacy Act, 2019,med ki cik mukene matino tino matye.

21.3. Medo ikom gin ma kicoyo kany, AMC Uganda pe poko ngec ma mako komi bot jo ma pe gitye ki twero me bedo kwede dok bene gu kati ki yo me tic wek ogwok lok komi ikom joo ma gimito nongo ne labongo twero ki bene me neno ni ki gwoko lok kom imung i rwom ma lamal.

21.4. Iyee ni ka itiyo ki Airtel Money, ngec mukene ma mako komi obi cito bot ngat ma ocwalo cente icim-mi, onyo ngat ma icwalo ite cente, dok bene obi bedo tye bot ngat mo keken ma bedo tye iyub me kobo cente ma ikine 29

tye iye jo matiyo ki AMC Uganda calo MNO ma miyo Sim card onyo i kube me cim ma Airtel Money tiyo kwede, Agenti me Airtel Money, biacara ma weko customa culu cul ki i Airtel Money, lumii kony me biacara bot Airtel, jo matiyo ki AMC Uganda pi miyo kony kun gikato ki i Airtel Money lapoore, cwalo onyo kobo cente ikin lobo mapat pat, kony me lon ma nonge ki icim ki gwoko cente, culu pi jami ma itiyo kwede paco onyo i biacara, Bank ki jo ma miyo kony me Cuma ma kobo cente onyo ATM. Pi meno imiyo twero ki AMC Uganda me poko onyo miyo ngec ducu ma mako komi ma ikine tye iye kit ma cente obedo ka wot kwede, ngec ma mako komi malube ki account ni me Airtel Money onyo ngec ma mako tic-ci ki kony ma AMC Uganda miyo, me miyo ngec bot dano ma mito nongo ne (pe omyero obed jo ma keto cik itic, lutim kwed onyo dogtic ma dooro tic). Eni omyero obed ngat ma nongo in aye idonyo iwinye me yee ki en nongo ngec magi onyo ngat ma imito donyo iwinye kwede (Omyero imi ngec ma nongo icoyo acoya onyo nongo itiyo ki diiro me cwalo ngec iwi yamo i Airtel Money). Ento twero magi miyo ki AMC Uganda twero me poko ngec ma mako komi ki twero kwanyo ne i cawa mo keken malube ki but winye eni.

21.5. Iyee ni AMC Uganda twero kwedo ngec ma mako komi kun nongo gitiyo ki ngec matye pi lwak onyo ngec ma nongo gamente aye gwoko pi neno ni ki lubu miti pa ludoor tic.

21.6. Iyee ni AMC Uganda bibedo ki twero me bedo ma wang gi twolo pi neno kit ma itiyo kwede ki account ni dok bene ikare mogo gitwero nyutu ngec onyo lok ma mako komi bot dogtic ma keto cik itic onyo dogtic matimo kwed onyo matye ki twero me dooro tic onyo jang gamente me konyo i gengo, ki nongo onyo kelo inyim court lok mo keken me temo tic ki cente akwala iyo ma turu cik, miyo kony me lim bot lutim aranyi, kwo, onyo tim mukene me turu cik onyo iyo me timo gin ma cik ocimo, lubu miti pa ludoor tic, ngol pa court onyo pi tyen lok mo keken malube ki cik.

21.7 Imoko ni ngec ma imiyo ikare me coone obedo adaa dok tye atir, dok bene iyee me niango wa onyo jo ma bileyo tic wa pi aloka loka mo keken ma mako lok komi ka inen aloka loka enoni otime.

21.8 Iyee dok bene imiyo twero botwa me nongo ngec ma mako komi, ngec ma wa gwoko manyutu tic wa kwedi, kit ma kobo cente obedo ka wot kwede i account ni ki ngec mukene, ma aa kibot jo matiyo kedwa, MNO, ma nongo itiyo kwede me coyo Sim card ma itye ka tic kwede me nongo kony me Airtel Money onyo ma itiyo kwede mukwongo me coone pi Airtel Money. 30

21.9 Iyee ki gam, ki tii, kigwok dok kiyub onyo kitet ngec ma mako komi (I lobo Uganda Onyo woko) pi tyen lok me cooni wek inong kony (matye ite kare ni ki ma bibino ikare me anyim) onyo niangi ki ngec ma mako kwayi kony ma pat pat matye onyo cat pa biacara mukene ma AMC Uganda timo (kacel ki jo matiyo kwedgi) kece onyo tic mukene onyo kit tet mo keken ma bitime ma cik me lobo Uganda oyee ni otime.

21.10 Lutic me AMC Uganda ma gitiyo ikom ngec magi gitye ki tic me gwoko mung ma me ngec magitye kwede dok pe omyero gu mii ngec magi bot ngat mukene ma petye ki twero. Lutic me AMC Uganda bene gitye ki tic me gwoko ngec ma tye icing gi. Lutic ma turu cik me gwoko mung ma AMC Uganda ogwoko ni gi keme ki kwayi pwod ma pat pat matye.

21.11 Ngat mo keken matye ka miyo ngec bot AMC Uganda kun nongo tiyo ki diiro me Airtel Money kibi miyo ite twero me nongo ngec meno. AMC Uganda okati ki kwayi yoo mapat pat me tic, ma konyo ikare me nongo ki tiiro ngec ma dano omiyo botgi.

Tim ber ngee ni ngec ikom yoo me tic ki cik ma mako kony me Airtel Money kigoyo inge karatac ma customa tiyo kwede me coone dok bene nonge bot Agenti onyo lacat me mobile money ikatic gi, ikama inonge iye kony me Airtel kibene i internet i www.airtel.co.ug/termCondition.

ACAMANARA NAKA EJANAKINE LOKA AIRTEL MONEY (NUITUTUBITAI KEDA NU EBEIT ATUPAKITE)

1. ACAMANARA

Acamanara na ejaas keda nuitutubitai keda nutupitono nu ipugatos ajaut kon, adumunun ka aitwasam ejanakine loka Mobile (Electronic) Money (“Airtel Money”) kes itatamitai kane, acamun kon nes itolomuni aiswamanara kiding ijo ka AIRTEL MOBILE COMMERCE UGANDA LIMITED (nes enyarao ekaulo kwape “AMC Uganda”) lu eswamata ejok kotoma agwelanar naka (Airtel Money Services) loka Airtel Uganda Limited ( “MNO”).

Kowai lo adumunun arai aitwasam ejanakine loka Airtel Money, ebeit ijo acamun aitup nuitutubitai keda nutupitono ido ibumakina toma, keda itunga kon lu ebeit aikopar kama kon arai lu ecamakitai apedor, keda lu edokok akanin, otupitete ikisila lu itutubitai keda nutupitono araibonat arai ejaas nu ebeit aburonokin. (“Ainapeta nuitutubitai aitaswam”).

Apolouke icorakitai ijo aisiom ka amisikin ejok nuitutubitai koipone kalo itwasamaere. Arai mam ijo icamunit nuitutubitai koipone kalo itwasamaere, mam iyatakini alosite akonye aiwadikaun kanu adumunun ka aitwasam ejanakine loka Airtel Money Services.

Akiro nuikamunitos oni

Airtel Mobile Commerce Uganda Limited (“AMC Uganda”) nes erai Private Limited Liability Company lo itolomunitai Uganda iwadikauna kwape ekampuni lo onaba 80010003488648/123833, iswamanara keda Airtel Uganda Limited, ido orai na atenu na ebeit Airtel Africa. Kotupitete aitolomunio naka ekisil lo etace arai (National Payment Systems Act, 2020), AMC Uganda nes abu ikopa arai ijaa aswamisinei nuka Airtel Money kanejai MNO. AMC Uganda nes iwadikauna ido nes imanimani Bank of Uganda kowai lo enyaritai Payment Systems Operator (Electronic Money Systems) Licence Number PSO 01/21 ka Payment Service Provider (Class A) Licence Number PSP 01/21 iwadikatete kotoma aparasia 6th May, 2021. Aiboisit kosi napolon na iwadikauna iso kotoma agwelanar ejai Airtel Towers, Plot 16A, Clement Hill Road, Nakasero. Ipedori ijo adolokin iso onaba +256200202003 araibonat customerservice@ug.airtel.com arai www.airtel.co.ug kanu adumun nuipu nuikamunitos AMC Uganda, arai inom Customer Helpline 100 arai ijaas ijo keda angurian adio araibonat ipuda ijo acie nuikamunitos Airtel Money Service. 2

2. APOLOU NA AKIRO

Koipone kalo itwasamaere akiro nu, akiro nuejaas kwap kes ejatatar ka aitetemesio kec nu itodunitai okwap, etupio araicaat ipuda akirosit alopet eipone ecie, akiro nu itetemitai koipone kalota: -

“Account” apolouke akaunta naka ekasitoma nako Airtel Money, kes isulai lu idari iso lo etiai lo ikapun lu ejaas okwam (E-Value) lu ejatatar ekasitoma ido ojatatar keda etiai lo ikapun lu eiriak keda lu ingaditos lu ititingikinitai kotoma Trust Account kokiror loka ekasitoma.

“Acamanara” apolouke erai acamanara na ejaas keda nuitupitono kowai lo etwasamaere imoriarite keda afomu na iwadikatere SIM Card, acamanara acie na iyatakitai, eitetene lo isolosinei ka aitemonokineta nu ebeit iso airereonor kotoma apakio nuegelegela.

“Airtel Money Account” apolouke account ekasitoma naka Airtel Money nes aiwadikaet na etiai lo ikapun lu idari iso luka E-Value lu itingit ekasitoma ido oiriak keda etiai lo ikapun lu ingaditos lu ititingikinitai kotoma Trust Account kokiror loka ekasitoma.

“Airtel Money Customer Terms of Use” apolouke acamanara na nes ipugat aiswamanara na ejai kiding AMC Uganda ka ikasitomas ke ikamanara keda ejanakine loka Airtel Money Services, kwape egisigisitor AMC Uganda kotoma apakio nuegelegela.

“Airtel Money Agent” apolouke erai itunganan yen iseunit iso ka aiwadika kanu aijanakin aswamisinei nuko Airtel Money Services.

"AMC Uganda”arai "oni" arai "iso" arai “ewok” apolouke Airtel Mobile Commerce Uganda Limited, kes lu ejai aiboisit kec na iwadikauna Airtel Towers, Plot 16A, Clement Hill Road, P. O. Box 6771, Kampala, Uganda, ido ojatatar keda Payment Systems Operator (Electronic Money Systems) Licence ka Payment Service Provider (Class A) Licence na iwadikauna keda Bank of Uganda.

“Airtel Money Balance” apolouke etiai lo ikapun luka E-Value kotoma apakio nuegelegela lu imonotai kotoma akaunta kon.

“Airtel Money Instructions” apolouke eraas aicoreta nu ijukanakino itoritere SMS/USSD/Airtel Money App itoni Airtel Money System kanu aijukanaria ikapun 3

luka E-Value kanejai ekasitoma ediope itoni ecie araibonat kanu agwelanar naka Airtel Money.

“Airtel Money Merchant” apolouke agwelanaran iboro/arai aijanakine lo ecamunit E-Value kowai lo etacere iboro/arai ejanakine.

“Airtel Money Services” apolouke ejanakine lo itodolonikini iso kanu ibore yen etacio ko E-Value ka aijukanar E-Value kanejaas ikasitomas kowai loka aicoreta nuka Airtel Money imoriarite aiwadika agwelanar kere naka Airtel Money, airereonor ka aitutub agwelanar kere naka Airtel Money angetakin ka aitacaunit aiwadikaeta nuka Accounts ikasitomas.

“Airtel Money System” arai “Airtel Money” apolouke erai ewai lo itwasamai iso kanu aitodolinikin ejanakine loka Airtel Money Services.

“Airtel Money Trademarks and Trade Names” apolouke ekiror Airtel Money ka ejenunet lo agwelanar (Logo) kosi.

“Airtel Money Transactions” apolouke adio agwelanar kere na ijaikinere ekasitoma account na ijukakino arai alemun ikapun keda E-Value ido imoriarit agwelanar adio kere na ideleleunitai kotoma atutubet arai Clause 4.

“Airtel Money User Guide” apolouke aiwadikaet na itetemit ejanakine loka Airtel Money ka eswamae ke.

“Airtel Money App” apolouke nes AMC Uganda’s self-care application, ejai nejaas etwasamak isimun luka Android ka iOS, ne epedoria ekasitoma loka Airtel Money adolokino/adumunia Airtel Money System kanu aitolosio agwelanar.

“Bank Airtel Money Instruction” apolouke nes aicorakinet naka Airtel Money na ecamakitor ka aicorakin ebank lo erucokina keda Airtel Money System alemun ikapun kotoma account kon na obank kangol kosodete aijukakin Trust Account etiai lo ikapun kanu agwela E-Value lu eirian keda etiai loka E-Value lo ebeit aibwaikin account kon.

“Cash” apolouke kes ikapun lu itwasamao luka akwap nako Uganda;

“Cash-in Transaction” apolouke erai ewai lo etacere ikapun nejai Airtel Money Agent kanu agwelaia E-Value kanu aibwaikin account kon. 4

“Cash-out Transaction” apolouke ewai lo iyuaret E-Value kotoma account kon kowai lo ikapun, kanejai Airtel Money Agent.

“Confirmation SMS” apolouke nes SMS lo itodunit eipone lo itolositere agwelanar kotoma aurianut loda ijukakino nejai lo ekajukaran keda lo adumunan kanu apak na angetakin agwelanar ejok ko Airtel Money.

“Credit Balance” apolouke nes etiai loka E-value kotoma apakio nuegelegela lu ejaas toma account kon.

“Credit Transaction” apolouke adio agwelanar kere na einakini akaunta kon ijukakino E-Value.

“Customer” or “you” apoluke ekasitoma arai ijo nes idis itunganan yen itwasamai Airtel Money ka icieda kere (imoriarite itunga lupo duc arai lu ikisila arai iriongeta luka agwelanar) lu iwadikatai ikiroria kec toma account naka ejanakine loka Airtel Money.

“Commencement Date” apolouke nes aparan/aparasia nu irucokinor ijo toma Airtel Money ko SIM Card kon arai aparasia nu itegearitere aitwasam nuitupitono kwape ibwaikitere okwap kane;

“Debit” apolouke alemunio naka E-Value kotoma account kon naka Airtel Money.

“Customer Service Centre(s)” apolouke idukai kosi/Service Centers luda itijenaritai eipone lo ebeitor adolonokino kotoma oitabo kosi (user guide).

“Debit Transaction” apolouke nes agwelanar na eyangauni ebaja loka E-Value toma account kon kwape irereoritere ko Airtel Money System.

“Designated Payee” apolouke nes idio itunganan (imoriarite akon akwan, ekasitoma ecie, Agent arai agwelanaran lo ecamakitai apedor) lo icorakit ijo loka SMS, adumun E-Value kotoma akaunta kon.

“Default PIN” apolouke nes 4-digit PINCode lo ijaikino ijo akaulo na aiwadikaun kanu aitwasam irwanatipet kanu aitegearia akaunta kon, dodo kanu ayuara ebeit ijo aijulakin nejai PIN atipet akaulo na aitwasam.

“E-Money” apolouke kes ikapun lu itoritere okwam itoni akaunta kon naka Airtel Money itodunitos etiai lo ikapun lu eiriak keda lu idaritai ko Trust Account luda 5

aticepak eponio ayuar itoritere nejai Agent loka Airtel Money kanu etiai lo ikapun lu eiriakasi;

“E-Value” apolouke nes ameda na ibwaikino account naka ekasitoma itoritere okwam, ikapun ngul itodunitos ebe ebeit ekasitoma adumun ikapun lu eiriakasi keda etiai lo ikapun lu idario ko Trust Account.

“Fees” apolouke kes ikapun lu itwasamao kowai lo agwelanar keda icie ikapun lu itatacio kotoma acamanara kana, kanuka ejanakine loka Airtel Money.

“Goods and/or Services” apolouke kes iboro ka ejanakine lo egwelio kanejaas agwelanarak luka Airtel Money itwasamaete E-Value keda Airtel Money System.

“Inactive” apolouke, ikamanara keda SIM Card, ejanakine lo ecamakitai komam itodolikitai amear apak na edoli aparasia akaisakanyangon (90)

“Licence” apolouke ikamunit alasisi, imoriarite aijulujuleta kanu, aiteteun arai aijulakin alasisi ngin, nada icamakit iso Central Bank of Uganda kotupitete ewai loka National Payment Systems Act, 2020, kanu aitwasam Electronic Money Payment Systems ka aijaikin eitace loka (Electronic Money Issuance) Services korai kotoma akwap nako Uganda.

“MNO” apolouke nes Mobile Network Operator arai Airtel Uganda Limited lo iswamanara keda AMC Uganda kanu aitodolikin ejanakine loka Airtel Money Service owaitin kere luka olago ke airiamun akwap kere.

“MNO Network” apolouke nes ewai lo iriamunit akwap kere ko olago arai Global System for Mobile Communications (GSM) arai Telecommunications Network itwasamai arucokiniton kosi, Airtel Uganda Limited (MNO), lo iwadikauna kwape National Telecommunications Operator (NTO) kotoma akwap nako Uganda, lu apotu iso ekopakisi agwelanar naka Airtel Money otupitete atutubet na ekisil, keda ngul lu apotu iso eswamanarototor kanu aitodolikin ejanakine loka Airtel Money Service kowai lo olago ke (GSM Network).

“Mobile Equipment” apolouke nes esimu kon lo akan ka SIM Card keda icie iswamasia arai itwasamai nepepe itodolikini ijo toma ojanakine loka Airtel Money.

“Mobile Phone” apolouke nes esimu kon lo akan. 6

“MSISDN” apolouke nes Mobile Subscriber Integrated Services Digital Network Number lo ijaikinio ijo keda SIM Card keda enaba lo ka eupanara keda ID card kon ka PUK kanu adumunia elago/network loka MNO.

“National Payment Systems Act” or the “Act” apolouke nes ewai loapolon lo etacere kotoma atutubet, 2020.

“Nick-name” apolouke nes ekiror lo emaitere arai emaetait orai lo anyukutan 3-7 lo ebeit aitwasam kanu ayuaritor aiyeyea naka ekasitoma. Epedori ekasitoma apwakun ka aijulakin ekiror lo maetait adio pak kere. to be used to protect the Customer’s privacy and enhance security.

“NIN” apolouke nes erai enaba lo ejai akadi kon na akwap na ijenitere ijo;

“Originating Party” apolouke nes ekasitoma arai Airtel Money Agent lo egeuni aitolot agwelanar ko Airtel Money neda ijukarere E-Value nejai ekadumunan.

“Payment” apolouke nes ikapun lu etacio nejai Airtel Money Agent kanu agwelia E-Value lo eiriakasi keda etiai lo ikapun lu ibwaikitai akaunta kon.

“PIN” apolouke nes enaba lo isulai 4 lu aiyeyea kon lu ijenitere ijo luda iseuni ijo kanu apedoria adolokina ka aitwasam akaunta kon.

“Pre-paid Airtime” apolouke nes ikapun inomere esimu lo akan olago loka MNO Network;

“Recipient” apolouke nes ekasitoma arai Airtel Money Agent lo itebeikit ekajukaran aijaun E-Value.

“Registration Form” apolouke nes apapula/afomu na ilelebio kosodi ijo aijukar kanu aiwadikaun kanu adumunia SIM Card, MNO Network Services arai Airtel Money Services, nada ejatatar keda akiro kon nuikamunitos ijo keda akiro nu aiwadikao kaidules kosodi kanu ijo acamunit akiro nuitupitono.

“Regulatory Authority” apolouke nes Central Bank of Uganda, Uganda Communications Commission arai erionget ecie lo ikamunitos nuka aimaniman keda itunga kec lu ikisila kotoma apakio nuegelegela.

“Service” or “Services” apolouke nes ejanakine loka Airtel Money ka aswamisinei acie nu ijanakini iso yes kotoma apakio nuegelegela. 7

“SIM Card” apolouke nes akadi na itwasamai ekasitoma na ejenitere nges (Identity Module) nada arai itwasamai keda iswamasia luka esimu isipedori ijo aitwasam ejanakine loka Airtel Money.

“SMS” apolouke kes akiro nu esupaka nu iwadikatai nuda isiarakino anyoun ko MSISDN ediope itoni nejai ecie itoritos okwamin/olago loka MNO Network.

“Tariff Guide” apolouke nes aiwadikaet na itolomunit ikapun lu esolo kanu agwelanar na itolositai itwasamao ejanakine loka Airtel Money Services kwape iwadikatere ko Service Centres kosi, oidukai luka Agents ka Website kosi, nes lota https://www.airtel.co.ug/ ido iteteunono kotoma apakio nuegelegela.

“Terms of Use” apolouke kes ainapeta nuitutubitai keda nu etupakitai nuda ejaas toma acamanara na ido imina iso aijulujul kotoma apakio nuegelegela.

“Transaction” apolouke nes agwelanar adis kere na ijaikini account na ekasitoma ijukakino arai elemunio ikapun keda E-Value ido imoriarit adis kotoma agwelanar kere na itodunitai kane.

“Transaction Fees” apolouke kes ikapun itatacio ijo lu ilemuni ijo kanu aitwasam ejanakine loka Airtel Money kwape iwadikatere kotoma apakio nuegelegela koitabo lo isolosinei arai Website kosi kwape itodunitere kane.

“Transaction ID” apolouke nes enaba lo arisiti na itegelikina na ijaikino kapak kana aitolot agwelanar adio ko Airtel Money nada itwasamao kanu aimanimania ka angicia agwelanar kere na itolosio ko Airtel Money kotoma account kon.

“Trust” apolouke kes apiyai nu imonotai ko “Airtel Money Trust Fund”, erai atenu na edukunitos itunga (Trustees) luda irereonoritai ido itojokarite Bank of Uganda kanu ayaite engade lo apiyai nuka Trust Account(s).

“Trust Account” apolouke nes Bank Account na idari iso ko Commercial Bank kotupitete atutubet na ikisila, aiboisit na eyaitere nuka etace ka eidare lo apiyai, itunga luka Trustees kokiror loka ikasitomas luka Airtel Money.

“Trust Deed” apolouke nes aitijenaret naka apiyai keda adio aijulujuleta nuitutubitai kes itwasamaete ayaitok atenu ngin kwape eratatar kesi lu idarete ka ayait apiyai kere nu etukunono kotoma account kon kotupitete ainapeta nuitutubitai keda nu etupakitai nu iwadikatai kane. 8

“Trustee(s)” apolouke kes itunga lu irereoritai ido itojokarite Bank of Uganda, kanu ayaite Trust Account nepepe kwape Board of Trustees.

“USSD” apolouke Unstructured Supplementary Service Data erai ewai arai technology lo edukokitai GSM kanu aigangit aweario na akiro toma olago loka MNO Network.

“you” apolouke ijo nes ekasitoma.

"we" or "us" or “our” apolouke oni arai iso arai ewok nes erai Airtel Mobile Commence Uganda Limited.

3. APUKOR KA AIDAR AIRTEL MONEY ACCOUNT

3.1 Ejanakine loka Airtel Money nes ejai nejai edio ekasitoma lo iwadikauna ko MNO, etwasaman esimu lo erucokina MNO Network ko Uganda keda SIM Card na iswamai ido iwadikatete toma MNO araibonat icie iwaitin lu ecamakitai.

3.2 Ipedori ijo ailipa kanu aiwadika adiope (1) Airtel Money Account bon toma SIM Card adio kere na iswamai. Ekot ijo ojatatar keda SIM Card na iwadikatai You toma Airtel Money na isipedori ijo adumunun ejanakine loka Airtel Money itoritere MNO Network. Arai mam SIM Card kon epedorit adumunun ejanakine loka Airtel Money, ipedori ijo ayangar ijulakinai kotiai lo edit kwape icorakinere ijo, kanu akadi na ipedori ijo adumunana.

3.3 ipedori ijo aiwadikaun kanu ejanakine loka Airtel Money keda MNO arai odolok oidukai kosi luka MNO araibonat Airtel Money Agents, kowai lo aiwany asaduku kosi na ebeit (kotoma afomu na iwadikatere SIM Card) kwape eipuda kon, aijen arai acamanara na aiwadika arai aitwasam ejanakine loka Airtel Money lo ibwaikitai toma SIM Card.

3.4 kapak kana ijukara ijo afomu na aiwadikaun, ilipio ijo aijaikin enaba kon lo esimu loka Airtel (MSISDN), ikiroria kon, aputo, NIN, enaba loka ID,aiboisit na iboyo ijo, ekiror lo ebisines/agwelanar kon (arai ejai), aparasia nu aurio, ijo irai lo akwap ani, ekilokit arai aberu keda acie, ojeni ekasitoma kon (KYC) erai kwape ikotokinor iso kotupitete ikisila lu ailipa ka aicorakineta.

3.5 Ikopis luka ID kon ka aputo kes emina Agent arai ewadikan lo SIM Card aitasalikin ngol lo iwadikai ijo. 9

3.6 Kowai lo aitegear Airtel Money Account kon apolouke icamakini ijo iso awanyun, aitwasam arai aitemonokin akiro kon nuikamunitos ijo nu obu ijo ijaikite MNO kapak kana aiwadika SIM Card, kanu aiwadika ijo toma ojanakine loka Airtel Money.

3.7 Akiro nu ijaikinio kere ekot oraas nuabeit, odolitos, ongetanakinitete ido oraas nuabeit owaitin kere. Mam ebeit ijo aijaikin akiro nu aisab,nu mam edolitos, nu mam engetanakina arai akiro nu itaparitos.

3.8 Ijaas ijo keda aswam na awanyun ebe idario akiro kon nu aiwadikao itoni ilolo.

3.9 Ailipa kon imoriarite afomu na aiwadikao nes ebeit iso arai Agent kosi airereonor kanu awanyun ebe iboro kere lu ipudai ilelebikitai ido ibuni iso airereonor aiwadikaeta kere nu ijenitere ijo kosodete ayangar ikopis luka aiwadikaeta nu ijaikit ijo iso.

3.10 Imina iso aigir nu ailipa kon koipone kosi bon ikulepek.

3.11 Imina iso aigir apukokin ijo account arai mam iso imonikina ejok nuikamunitos ijo araibonat idiope kotoma oboro lu ipudare apukoria ijo account mam itodolikitai.

3.12 Iyangarit iso apedori na aingic kotenan kanu ajenun akiro nuikamunitos account kon adio apak kere ibiroros ngun apolouke ebuni ayangaun aisimikio kon aitwasam ejanakine loka Airtel Money, aisibwouno ber arai aitanangio na akaunta kon.

3.13 Akaulo na aiwadikaun ejok kanuka ejanakine loka Airtel Money ijaikino ijo PIN idumuni ijo welcome SMS lo itigogongorit ebe idau ijo apukor account kon ejok.

3.14 Itegea ijo account kon kowai lo aitolomikin PIN ilipio ijo aseun PIN lo aiyeyea, akaulo isipedorio ijo aitwasam ejanakine loka Airtel Money kowai lo aitac.

3.15 Kotupitete nuka AMC ewai loko Uganda lo engicere ka airereonor, imina ijo adumun aisiraret na Airtel Money Account kon kowaitin kosi edio kere lu ecamakitai, neda eminare aitatac ijo ikapun. Aisiraret na account nes erai ejenunet lo itigogongorit nuka agwelanar na itolositai ko Airtel Money Account kon kotoma apak na itodunitai kotoma aisiraret. 10

3.16 Kanu alemar abuonokin, AMC Uganda nes mam nepecepeda ebeit aijaikin adio ajenanut komusago edio kere kotoma adieket kanu ikamunitos akiro adis kere nu adio aisiraret na edumunitai ko AMC Uganda ka channels kec kere kotupitete nu elimoro okuju.

4. EJANAKINE LOKA AIRTEL MONEY

4.1 AMC Uganda nes itolosi aswamisinei nuka Airtel Money, ejanakine loka mobile money lo isipedorit ijo aijukanar ka adumunun ikapun kotoma SIM Card kon na iwadikatai arai MSISDDN na ijaikitai ijo ko MNO.

4.2 Airtel Money nes ejai kanuka ikasitomas kere luka olago loka MNO Network akaulo na aiwadika SIM Card. Ikasitomas lu ejatatar nu olagon icie eminas aswam ejok.

4.3 Ipedori ijo aiwadikaun kanuka Airtel Money Account keda MNO, aibisio nu egwelanarere SIM Cards arai nejai Airtel Money Agent kowai lo akwetar asaduku na ebeit kotoma afomu na iwadikatere SIM Card.

4.4 AMC Uganda nes emina koipone ke bon aitidisiar arai aigaligal enaba loka Airtel Money Accounts nu imina ijo aitwasam adio apak kere.

4.5 AMC Uganda nes emina koipone ke bon aigir aiwadika arai alemar idio itunganan kere kotoma Airtel Money System.

4.6 Ipedori ijo adumun E-Money ko Airtel Money Account kon kowai lo aibwaikin ikapun nejai Airtel Money Agent arai adumun atacio naka E-Money kanejai ekasitoma ecie loka Airtel Money itoritere ewai lo etacere akwap ido kanejai atacan arai service provider araibonat ewai edio kere lo ecamunitai lo ijaikit AMC Uganda.

4.7 Agwelanar kere eponio aitwasam isirigin luko Uganda. Airtel Money System nes mam emina acamun idio ikapun kere lu eraas abolai. Ecamunitai ijo kane aitaraun ikapun lu agwelanar adio kere oyapianara toma osirigin luko Uganda.

4.8 Isirigin kon lu eraas E-Money kes idarakitai ijo ko Trust Account kotoma ainapeta nuka Trust Deed idokite AMC Uganda keda Board of Trustees lo Trust (“Trustees”). Kowai lo ajaut ka ainyikokit aitwasam ejanakine loka Airtel Money, obu ijo itigogong ailosikino naka Trust Deed kwape ewai lo 11

itolomunet amuno nejai Trust kanu apiyai nu idario kotoma Trust Account kokiror kon kotupitete ainapeta nuitutubitai.

4.9 Ekot ijo itigogong ebe eminas Trustees ayangarit aiwadikaeta nuka Airtel Money System kwape ejenunet lo egogong lo etiai kalo ikapun luka E-Money adio apak kere lu ejaas Account kon ido mam Trustee ekapakina aitolot aingic adio kanu ajokisio/ameda na ebeit ijo adumun kanu ikapun kon lu idario ko trust.

4.10 kotupitete nu itetemitai kotoma agwelanar kana ka ainapeta nu itutubitai, ikapun kon lu ideuna/ebalans ko Airtel money account kon kes epedorio alemun adio apak kere kosodete aitwasam koipone bon kalo icorakitor ijo ko Airtel money System.

4.11 Ijeni ijo ebe mam Airtel Money erai ebank arai aiboisit na imonoere kwape itetemitere atutubet na ikisila naka Financial Institutions Act.

4.12 Ikapun lu itatacio kere kojanakine loka Airtel Money itolomunitai kotoma oitabo loka isolosinei loda edumakino aiboisio kosi nu ijanakinere ikasitomas arai Customer Service Centres, Airtel Money Agents, website kosi arai imina iso aitolomunun kotoma aiwadikaeta apakio nuegelegela, epedorete aijulanakineta atakanun adio apak kere koipone kosi bon.

4.14 Ejanakine loka Airtel Money nes ebeit aitodolikin yes kotupitete ainapeta nuitutubitai keda ebeit atupakit kes nuta:-,

4.14.1 Araida ejai iso awanyun ebe ipedoritos yesi adumunun ejanakine loka Airtel Money, mam iso itogogongorit kotenan ebe ebuni ejanakine loka Airtel Money ajaut isawan kere ido mam ebeit iso aitepesenio ido mam iso ikamunitos nu adio atwaniaret arai aolior koipone edio kere, na idis ibore kolomunite kanu amamus naka ejanakine loka Airtel Money. Kowai lo acamun ainapeta nuitutubitai nu, apoluke itigogongo ijo ebe mam ejanakine loka Airtel Money emamunun tai kosodi ejaas atiokisio nu imoriaritos (konye komam elemarit) aswamisinei nuka Lokasuban, ejautene lo akwap, ekuse lo ikwamin, eidare ka aswam na aitemonokin iswamasia luka Airtel Money luda eminas aitolitol erono eswamae loajokan ka ejanakine loka Airtel Money.

4.14.2 Kapak kana amunar arai aolior arai akokwario na SIM Card kon, icamakitai ijo aitijenikin iso katipet kanu amunar kangin, aolior arai akokwario kowai lo ainomakin Customer Service Centre kosi. Ibuni iso aisibwoun Airtel 12

Money Account kon kanu aitikokin aiyatakin aitwasamao na ejanakine loka Airtel Money itoni apak na eburokinere arai itemokinere akadi ngin. Ijo nges ikamunitos nuka ikapun kere lu itatacio ido ebunio ainyakakin agwelanar naka Airtel Money aswam itoni apak na itijenikinia ijo iso nuka amunar, aolior arai akokwario kosodi ijo ayuar iso kanejai adio aitepesenio kere kotupitete nuka adio agwelanar naka Airtel Money na abu itolitolun itwasamao esimu kon arai SIM Card otupitete aitijenaret na idumuni iso.

4.14.3 Aiyeyea na agwelanar kon kojanakine loka Airtel Money nes mam erai ibore itigogongitai noi. Icorakitai ijo ebe kanu adis kere nu mam iso ipedori aitikokin, Emina ationis ajaun na akiro kon nuikamunitos ijo, aikamio na akiro araibonat epedorete itunga icie adumun kacut itunganan yen ijukakitai. Mam iso ipedori ido mam iso icamuni edio egarama kere kanu adio atwaniaret, aimusungun arai amunar eitena na elomuni kotoma ationis na amamus naka aiyeyea.

4.14.4 Icam ijo ka aitigogongor ebe imina iso alimor ka/arai adumun ka/arai aikam akiro nu itwasamai ijo kojanakine kalo imoriarite konye komam itasangitai nejaas akiro kon nu agwelanar arai akiro nuikamunitos ijo arai aiwadikaeta nu edumunitai kama kon kanu iboro kaluta okwap:

• (a) Aitikitik akoko ka aricite ikisila;

• (b) Kanu ajokisio nuka agwelanar ikamanara keda aitwasamao naka ejanakine loka Airtel Money, kwapenat nuka esokoni ka aswamisinei nu ikamanara keda nuka aingic;

• (c) Aitwasamao naka ejanakine lo esimu kosi kanu aingiseta nu iwadikaunitai arai nuko okwam;

• (d) Arimarite nuka ikisila, nuikamunitos apugan arai nuka eyaitene edio lo ipudai, araibonat aicorakinet na ebunit adieket na ikisila;

• (e) Kanu ipulidan kosi aitwasam orucokina keda adis kere nuikamunitos ikisila;

• (f) Kotoma owai lo itolosere agwelanar imoriarite konye komam itasangitai nejai aidar adoketait, aitutuoro, airereonor itabon lu apiyai ka awanyun ebe ejai eswamae lo itekoro.

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4.14.5 Ijo acamun ka aitigogong ebe imina iso alimor ka/arai adumun akiro kon nuikamunitos ijo arai aiwadikaeta nuikamunitos ijo kojai da aijaikite ayongit nuidulok kapak kana itwasama ijo ejanakine imoriarite konye komam itasangitai nuka agwelanar kon, emails, SMS’s, data, akiro kon nuikamunitos ijo arai aiwadikaeta nu edumunitai kane ijai ijo kanu akiro anuta: -

• (a) Aitwasamao, edio erionget lo ikisila lo otoma arai lo okinga arai edio erionget lo imanimani arai iriongeta lu apugan kanu aingarakin aitikitik, aingic, arai aitepesen aswamisinei nuarokok arai akoko;

• (b) Aitwasamoa na iriongeta lu ejanakine, Agents lu ecamakitai, arai edio ekampuni kere lo aticepak erai, araibonat araun lo atenu kosi, ekampuni loapolon arai egangitok, kanu ajokisio nu agwelanar orucokina keda etwasamae lo ejanakine loka Airtel Money, kwapenat nuka isokonin keda nu ikamanara keda aingic;

• (c) Kanu aigang nu iswamai iso kanu aitolosio adis aswam na ikamanara keda nu ikisila, apugan arai nu ipudai ko oyaitene araibonat nu icorakit adieket na ikisila;

• (d) Itwasamaete ipulidan kosi, awanyanarak itabon lu apiyai arai ipirioitin icie lu ecorak arai nejai adieket adio arai etube lo ikamanara keda ikisila.

• (e) Ekot ijo aitup aicoreta kere nu imina iso aijaikin ijo kotoma apakio nuegelegela ikamnara keda ejanakine loka Airtel Money.

• (f) Eminai aimaniman ewai lo agwelanar kon arai aikam/recording kanu aitwasam tetere kanu aitolosio nuka agwelanar kwapenat aidar adoketait, aitutuonor, awanyun ebe ejai eswamae lo itekoro, aitikitik aitwasamao naka elago loka MNO komam icamakitai araibonat ejanakine loka Airtel Money ka aingic ka aitikitik nuarokok.

5. ACAMUN KA AITEGEARIO NA AITWASAM AINAPETA NUITUTUBITAI

5.1 Ejenio ebe icam ijo atupakin aitwasam ainapeta nuitutubitai kwape aticepak eminai aijulujul kotoma apakio nu egelegela ido itegeario apak ngipengin: -

• (a) Aijaikin iso afomu kon na aiwadikaun, MNO arai agent lo ecamakitai; arai

14

• (b) Aitegeario na aswam naka Airtel Money Account kon kowai lo aitwasam PIN kon.

• (c) Aitwasam arai ainyikokin aitwasamae loka ejanakine loka Airtel Money.

5.2 Ainapeta nuitutubitai esalakinete itwasamao dimikito itapalar kotutupitete ainapeta nuejaas.

6. AITAPALAR, AITUB, AITANANG, KA AGOLOKIN NA ACCOUNT KA EJANAKINE

6.1 Imina iso aitapalar, aisimik, aitikokin arai aitanang ejanakine loka Airtel Money (epuwai arai kere) ka/arai agolokin account kon komam adio apesen na edio eipone kere ido komam aikwenyar ijo kanuka iboro kaluta: -

6.1.1 arai itijenar ebe icanakin ijo araibonat amamus na apedorite aitac apesenin kapak kana ipudare kapak kana aileleb afomu adio ailipa arai nu iyatakitai aswam (arai nu icamunit ijo ilopet arai mam) kanu angetakin, aicanakin, amamus na ikapun arai aiyengun kanejaas lu eburak;

6.1.2 Arai ijeni oni kere araibonat ajaut keda nu ebalasi ebe itwasamao Account kon, Mobile Equipment, MSISDN arai PIN orucokinitete keda ejenakine loka Airtel Money, itwasamao komam ecamakitai, komamei apedor, oipone kalo mam edolit arai kowai lo akoko arai aiswama nuarokok (arai itwasamatai lem sek);

6.1.3 Arai itwasamai edio ekisil arai ecie emanimanan arai erionget edio loka apugan arai erionget lo irauni nuka aingic arai ikisila icie lu mam icamakitos ijo araibonat acie akiro kere, kotoma otube kosi loabeit eyangauni abuonokin toma agwelanar kosi;

6.1.4 Arai mam ijo itupi adio kotoma ainapeta ka ikisila arai aicoreta nu ikamanara keda etwsamae loka ejanakine loka Airtel Money imoriarite karai itijenik ijo iso ebe idiopet koboro kon lu esimu abu oolio arai akokwar arai aoliorit lem PIN kon arai etodikin icie itunganan;

6.1.5 kapak kana adumun alipan kon na agolokin Airtel Money Account kon; 15

6.1.6 Arai iswama ijo arai acamakin aiswamaun idiobore kotoma Account kon, SIM Card, MSISDN, PIN arai Iswamasia lu Esimu (Mobile Equipment) nuda iwomit iso ebe eminas amunar arai aitolitol eswamae loajokan arai ayuara naka Airtel Money arai ejanakine loka Airtel Money;

6.1.7 Arai epala Account arai SIM Card kon aswam.

6.1.8 Arai mam ijo itupakinit adio kotoma ainapeta nu ikamanara keda adio atutubet na ejanakine;

6.1.9 Arai engicun ebe nu ilimorit ijo kotoma aiwadikaet ikamunitos ibore mam edolitos kapak kana aiwadikaun kanu adumun ejanakine araibonat arai mam ijo iteteuni akiro kon nuikamunitos ijo kwa ebalar ekisil;

6.1.10 Kapak kana emunanar na acuman, ijulujulere, itemonokinere Network ka acieda;

6.1.11 Kanu acie nu mam iso ipedori.

6.2 Karaida ejaas nu itemitemitai kane, imina iso koipone kosi bon ido komam aikwenyaret adio, aitapalar ejanakine arai adis aswam kere komam agwaikin ijo edio egarama.

6.3 Ne itapalarere ejanakine loka Airtel Money, engedarere arai itasangere arai ne egolokinere Account kon, idis ikapun lu edeuna kotoma account kon kes eponio atacakin ijo akaulo na ijo adolokin Customer Care Centre ido akaulo na ijo aijaikin ajenanut na ilosikina naikamunit ijo.

6.4 Mam iso ikamunitos arai ibuni aigang ijo kanu adis kere nu etakanunete eitena, oipone ecie, aijulujuleta arai atwaniar arai igaraman lu elomunete koipone edio arai akangas na itorunit kane ijai iso arai kanejai icie itunganan yen owai kosi, arai elomunit kotoma aswam, arai okisil, arai igoloki iso arai aitapalar Account kotupitete atutubet 6 na ekisil (Clause 6).

6.5 Ipedori ijo agolokin nuka acamanara kana, akaulo na aijaikin iso aitijenaret na ediope (1) elap kau kowai lo aiwadika;

6.6 Mam ijo ebeit ayangaun edio egarama nejai iso kanu aitasangio na ejanakine ido aitasangio na ejanakine mam ebeit aitolitol apedorosio adio nu eminas alomun kowai edio kanu aitasangere ejanakine; 16

6.7 Karaida ejaas ainapeta nu itetemitai kane, acamanara nes ebeit aitodun ewai lo ecanakin, kosodete aitijenar lo icana, ogolokinete arai mam bobo ebeit ajaut, arai ebili ainapeta nuitutubitai keda nu etupakitai.

6.8 Emamei ewai lo ebeit ayangaun igaraman nejai loce ewai kanu aitasangio naka acamanara ilema bon ebe mam aitasangio na acamanara itolitoli apedorosio adio nu eminas alomun kowai edio kanu aitasangio.

6.9 Mam aitasangio emanari adis ainapeta nu itetemitai nuka acamanara kana arai bonat karai erucokinos emunari akaulo na aitasangio, arai apedorosio adio kere nu emina ewai edio ojatatar kapak kana aitasangio kanu agironoro keda ewai je;

7. IKAPUN LU AGWELANAR

7.1 Eitabo lo isolosinei lo itetemit ikapun lu agwelanar lu etacio kanu ejanakine loka Airtel Money nes edumakino Customer Service Centers kosi, oidukai luka Airtel Money Agents lu ecamakitai ka Website.

7.2 Ikapun lu agwelanar kes iwadikaonono kotoma apakio nuegelegela oitabo loka isolosinei ido etacio ne ijai sio kanuka ngin agwelanar na ejai account kon ido ilemari iso eitena kotoma account kon akaulo na agolokinio naka ngin agwelanar ko Airtel Money. Idumuni ijo aitigogongoret naka SMS itodunite eipone lo itolositere agwelanar kaurianut ko Airtel Money akaulo na agolokin keda ebalans lo ideuna account kon kaidules.

7.3 Adio agwelanar nako Airtel Money imoriarite atacio naka E-Value kotoma Account kon kanu aijulakin toma osirigin lu eiriakanara keda luejaas Account na obank kes ebeit aitatac isirigin icie kanuka (“Bank Charges”) luda itoduni ebank ngol lo epukoritere Account kotoma apakio nuegelegela, [dodo isirigin lu itataci ebank elemario koipone kalo elemanarere lu itatacio kanu agwelanar kosodete atacakin ebank lo inerai].

7.4 Ikapun itatacio kanu agwelanar imoriarit esolo/Value Added Tax konye epedorio bobo atubor kanu icie isolosinei otupitete ejautene lo itiaisinei

8. AGWELANAR NAKA AIRTEL MONEY

8.1 Eponio aibwaikin ikapun toma Airtel Money Account kon arai igwel ijo E-Value araibonat ne ijukakina ijo ekasitoma ecie E-Value toma Account konssss. 17

8.2 Agwelanar na ebaja kere nes ebuni Airtel Money aitac keda aicorakinet nako PIN arai kede ecie ewai lo ebunio alimonor kotoma apakio nuegelegela.

8.3 Mam aciepak ijo itaci adio agwelanar ko Airtel Money arai imamiatatar ijo keda E-Value lu edolitos kotoma Account kon kanu atacar ikapun lu agwelanar ka acie apesenin nuitutubitai; arai idolokinit ijo esang lo etiai lo ikapun lu ebeit ijo asalakitor ko AMC Uganda; arai idolokinit ijo esang lo ikapun luka nginiparan lu ekot AMC Uganda; arai itapalaritai Account ber mot araibo agolokin cut kanu abeit; araibonat arai ejaas acie nu itotolikitos kwapenat aiyap na acuman arai amunar.

8.4 Akaulo na aiwadikaun kanu Account ejok, ipedori ijo atacar agwelanar nata: -

8.4.1 Ibwaik E-Money kanejai Airtel Money Agent arai oiduka kec. Ipedori ijo aibwaikin E-Money toma Airtel Money Account kon bon mere aibwaikin eitena nejai Airtel Money Account na ecie ekasitoma. Kanu aibwaikin E-Money, ekot ijo aileleb akiro kere nu ipudai, imoriarite airereo ka awanyanario kanu aitigogong ebe ijo nes ilopet Account kosodi aijaikin ikapun lu iriamara keda E-Money lo eomitai ibwaikitai kanejai Airtel Money Agent. Akaulo na aijaikin ikapun nejai Airtel Money Agent, ekot ijo awanyun ebe idokokini ijo akan (sign) oitabo loda ebuni araut kwape ajenanut na egogong ebe idau ijo agwelanar na aibwaikin ikapun.

8.4.2 Itolot agwelanar na ikapun kowai lo adumun atacio arai ikapun lu ijukunio. Ebuni Airtel Money System aijukakin ikapun Account kon kotenan.

8.4.3 Itolot agwelanar na ebaja kowai lo aijukar aicorakineta nuka Airtel Money kanu: -

• (a) Atacio naka E-Value kotoma Account kon kanu isirigin kaiboisit adio kere naka Agent lo ecamakitai;

• (b) Ijuka E-Value kotoma Account kon itoni Account na ekasitoma ecie [itwasamai enaba lo esimu kec arai ekiror lomaetait] ido itodunite etiai lo ikapun lu ebeit aijukar.

• (c) Agwela Airtime itwasamai E-Value kotoma Account kon kanu ajo arai kanu icie itunganan.

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• (d) Atacio naka E-Value kotoma Account kon kanu agwelia isirigin lu iriamara etiai keda ikapun luejaas obank account adio kere orucokina keda Airtel Money.

• (e) Atacia apesenin arai adiope atacaret arai atacanar mot mot arai aijukanar nejaas ikulepek iboro, aiboisio nu ingadaere, aiboisio nu ingarakitai ka icieda;

• (f) Agwelia iboro ka/arai ejanakine loka agwelanarak luko Airtel Money kowai lo aijukar E-Value kotoma Account kon itoni nejai Account na agwelanaran loka Airtel Money kanu atacia iboro ka/arai ejanakine.

8.4.4 Aitolosio agwelanar adio kere kwape itolomunitor AMC Uganda arai egangitok ke kotoma apakio nuegelegela.

8.4.5 AMC Uganda nes bon idari apedor na aitolomun ne ebeit asangakit kotoma agwelanar ido epedori akorar Airtel Money Accounts acie nu otiai lo okuju kotupitete ikisila arai aitigogongio na ainapeta.

8.4.6 AMC Uganda nes mam itigogongit ebe ebuni eswamae arai ejanakine ajaut apak kere ido emina alemar eswamae edio arai ejanakine loka Airtel Money airiamunite kere kwape ejaunotor aijulujuleta arai ikisila luitetiak, aitutuket, ainapeta nu apugan arai nutupitono arai acieda.

8.4.7 AMC Uganda nes emina aiyatakin eswamae ko Airtel Money kotupitete arucokina na ejai keda eswamae loka aingadisia nu apiyai ka iriongeta icie lu ijanakinete yes eswamae lo ebeit. Eswamae kwangol emina aitodolikin yes iwaitin lu ikidioko kanu adolonokinio aingadisia nu apiyai arai iriongeta icie. Kowai lo aitwasam eswamae ngol kanu adolokinio iwaitin icie, apolouke icamunit ijo kane ayuar AMC Uganda kanejai, ka ayangar AMC Uganda kwape lo emamei ationis kotoma atwaniar adio kere na elomuni kowai lo ijo adumun eswamae ngol.

8.4.8 Karai ejaunos nu ainyogor airereor aitemonokineta nuka agwelanar kosi, eswamae, eipuda lo itunga arai akiro nu aswam, aijulujuleta kotoma aswam, nuitutubitos iriongeta lu emanimanak arai nu eputosi keda ngun, AMC Uganda nes emina agelegel nuitutubitai keda nutupitono arai ainapeta nu itolitolete etwasamae ido ebuni aitijenikin yes nu aijulujuleta angun kowai kalo otenen. Ainyikokite kon aitwasam ejanakine loka Airtel 19

Money nes eponio ayangar kwape acamun kon na aijulujuleta nuitutubitai keda nutupitono arai ainapeta.

8.5 Akaulo na aiwadika Account kon ejok, ipedori bobo ijo aitwasam Airtel Money: -

8.5.1 Ailipia iripotin lu aswam;

8.5.2 Awanyia ikapun lu ideuna/ebalans lo Account kon keda bank account kon [arai ikamanara keda Airtel Money;

8.5.3 Aijulia PIN kon keda ekiror kon lomaetait.

8.6 Akaulo na angetanakin kangin agwelanar naka Airtel Money ejok, ekadumunan keda yen ijukuni ikapun kere edumunete aitigogongoret naka SMS ojaas keda ID na agwelanar na itegelikina keda ebalans lo iteteunitai lo Accounts kec ka/arai bank account. Eponio irekods luka Airtel Money System ayangar kwape nuabeit dimikito itigogongi ebe nu itepegetere edolitos.

8.7 Adio agwelanar na ebaja na ijaikino itwsamaete PIN itatacio kotoma Account kon. Itigogongit ijo ebe, karai/ido itoni ne edumunia AMC Uganda aitijenaret kane ijai ijo ebe mam bobo PIN kon eyuara ido/arai ebe iswamasia nu esimu kon aoliosi arai akokwar, imina iso amunokin oitwasamae loka PIN kwape aitigogongoret ebala ebe obu ijo icorak agwelanar na ebaja, araida iswamauna ngun komam ijo icorakit. Mam iso ibuni akotokin adio aiwadikaet na itigogongorit ebe abu Airtel Money ocamak.

8.8 Erai aswam kon airereonor nuikamunitos adolite na akiro kere nu itolomio ikamanara keda aicoranakineta nuko Airtel Money (imoriarite, konye komam itasangitai nejai etiai lo agwelanar, ekiror lomaetait, enaba esimu kalo adumunan, ekiror, enaba loka bank account ka branch code) erongo ijukara aicorakinet kanu aitolot agwelanar ko Airtel Money itoni Airtel Money System.

8.9 Edaun agwelanar angetakin mam bobo inyakario kau, kosodi AMC Uganda nes mam ebuni ajaun toma abuikinio na ainyakar kau adio agwelanar. Airtel Money nes mam epedori ainyakar kau adio aicorakinet naka Airtel Money kanu adis akiro, imoriarite nu edio engunget keda ekasitoma ecie, arai Airtel Money Agent, arai icie itunganan, arai kiding ejukaran keda yen 20

adumunan. Ijo bon ikamunitos nu aitemonokin ingungeta kwangul komamei agangat kosi.

8.10 Karaida ejai atutubet na ekisil na elosi oingaren, AMC Uganda nes idari apedor, koipone ke bon, aikisar arai ainyogor nuka agwelanar karai itodunos abeitok ebe ajai adiakaret arai akoko, bon ebe mam Ekadumunan ayuarit E-Money ido ebeit ainyogorio kotoma apak na elap ediope (1) kanu agwelanar nakokolan.

8.11 AMC Uganda nes mam eponio aitelemun araibonat kes atacakin ekajukaran karai erai adiakaret arai akangas arai owai lo akoko arai owai lo abuikin ebe aijukaritai E-Money nejai ekadumunan kosodete aijulakin toma osirigin, arai abu ekadumunan lo ijaunit ikapun ngul koipone kalo aronon arai owai lo akoko araibonat adiakaret, abu itwasama ikapun lu edumunitai kotoma agwelanar na ebaligane/akoko, dodo kane ebeit ijo ayangar AMC Uganda kwape lo emamei ationis kanu adio atwaniaret na elomunit kanejai adiakaret, akangas arai aijukar ikapun kowai lo akoko arai aijukar ikapun kotoma account kon kowai lo abuikin arai aswam nu ebaligane arai atorob.

8.12 karai idum ijo ikapun kowai lo aibucaret, ekot ijo aitijenar ebe ebeit ijo ainyakar ikapun nejai ekajukunan ibiror apolouke AMC Uganda nes emina ainyakar ikapun nejai ekajukunan. Kosodi eminai ijo aitepesen kanu anyamar arai aitwasamar ikapun lu ijukakitai koipone kalo mam etenit.

9. AYUARA KA ETWASAMAE LO MAM ECAMAKITAI

9.1 PIN ediope bon nes itwasamao kotoma Account kon kotoma apak adiope

9.2 Ijo bon imina aitwasam Account kon, Iswamasia lu esimu, Ekiror lomaetait ka PIN.

9.3 Ijo ikamunitos nu aidar default PIN kon oyuara, PIN ka Ekiror lomaetait, aiyeyea keda etwasamae loajokan lo esimu kon keda agwelanar kere naka ejanakine loka Airtel Money orucokina keda Account kon itwasamaete PIN kon.

9.4 Karaida ekotai ijo aitijenar akon akwan itwasamai ekiror lomaetait, mam ebeit ijo alimokin itunganan idio PIN kon aimoriarit staff loka Customer Service Centres.

10. ASWAMISINEI EKASITOMA 21

10.1 Ijo nes ikamunitos nuka ikapun kere luka agwelanar ko Airtel Money luda etacitai itwasamaete PIN kon, imoriarite agwelanar na itolositai itwasamaete ncluding Account arai agwelanar ngin ijo itolosit arai icie itunganan kojai arai omamei apedor arai aijen, ido kanu ikapun kere lu itatacio keda lu itatacio kobank.

10.2 Ijo nes ikamunitos nu akiro kere nu ewearitai keda nu isiarakitai onyaritete kwape nu imodimodete, ebilitos ikisila arai abilit ekisil lo aitwasam ibore yen mam erai yenikon ido ibuni ijo ayuar ka ayuarit iso kanejaas igaraman kere lu eremunio ne ija iso ka ibajai ido arai apesenin nu aponi odumunai kanu angun.

10.3 Mam ebeit ijo aitwasam ejanakine loka Airtel Money kanu aiswama nuarokok.

11. NU EBEIT ONI ASWAM

11.1 Itijenarit iso kane ebe atace kere [ka ikapun lu edumunio ko Trust Account(s) kanu agwela E-Value ibwaikinio toma Account kon (“Etiai ikapun luko Trust”) kes idari Airtel Money Trust Fund kanu ajo ido kanu ajokis kon tetere ijo imeadauni kotoma okapun kangul kere lu ejaas Trust oiriakanara keda ikapun lu ideuna (balans) kotoma Account kon. Ekot ijo acamun ebe imina iso ayangar irekods luka Airtel Money System, kwape aitigogongoret na ejena na etiai loka E-Value apak adio kere kwape luejaas Account kon kosodi arai iso araibonat Trustees mam ebeit aitolot aingic oipone kosi bon kanu ikamunitos ikapun kon lu ebeitor ijo aimedauna ko Trust. Ekot ijo aijen ebe, nu ikamanara keda atacio kon adio kanu ikapun lu etukuno lu ebeit ijo aimedaun ko Trust, iso arai Trustees imina aswam atupitos aicorakineta nu ijaikit ijo kitwasamai PIN kon, arai aicorakineta nu ijaikit ijo eitena itwasamai PIN kon, araida erai ecie ewai ijaikit.

11.2 Ekot ijo aijen ebe ejai oni epelu lo aitopol Trust otupitete atutubet na ekisil ka aicoreta nuko Bank of Uganda. Ebeit bobo ijo aijen ebe, edol bon ebe atukun ameda adio ko Trust Sums, iso da ebeit alemar arai aitwasamar imodiobore kotoma ameda kangin kotupitete ainapeta nu itolomunit Bank of Uganda ikamanara keda ikisila luka National Payment Systems Act.

12. APESEN KEDA LU ALEMANAR 22

12.1 Karai etakanu ebe ipudai aijulakin inabai lu esimu kon kanu aitodolikin nu ipudai oyaitene arai okisila araibonat kanu acie edite iso apesen kanen kanu ijo aitasalikin Account kon ido arai epatana aijular Account nejai MSISDN, ibiror itacakino ijo ikapun lu ideuna (balans) kotoma Account kon.

12.2 Kotupitete noi nu ecamakit ekisil, ilemarit iso iboro lu ayuaritok/abwoikitok lu edio eipone kere, arai lu atipet arai lu emunoi.

12.3 Kotupitete noi nu ecamakit ekisil, mam iso ikamunitos nu igaraman, atwaniar, apesen, arai amunar eitena, koipone kalo itegelikina arai koipone ecie kolomunite kowai lo ejanakine kosi, arai ibiror aitodolikin ejanakine ido ibuni ijo ayuar ka asalakit ayuarite iso apakio kere kanejaas igaraman, apesenin, ipudasia ka amunario na elomuni kotoma oitwasamae lo iswamasia arai SIM Card kanu naarai ijo iswamaunit ngun araibonat itunganan icie.

12.4 Mam iso ikamunitos araibonat ebeit abongonokin nuka aibiror adio na aitodolikin aswam kosi kane korai aibiror ngin na eyangaunitos aswamisio nuka Lokasuban, aswamisio apugan, amumu, arai ingungeta lu aswam, akim, ebulone, ekipie, adekasinei araibonat aibiror na itunga kalu ikopakitai aitodolikin ejanakine arai acie kere nu eyangaunitos ngun (komam eraas arai oraas iboro luka akwap) lu emamei yen epedori aitikokin.

12.5 Mam iso ikamunitos nuka igaraman luka eswaman (imoriarite apalisonut) araibonat igaraman icie, atwaniar, apesen arai amunario eitena, koipone kalo itegelikina, akangas arai acie da nu elomunitos kapak kana aitodolikin ejanakine arai aibiror na aitodolikin ejanakine imoriarite, konye komam ejalitai nuka atwaniar ameda, agwelanar, ikapun lu abeit, data arai apesenin nu ecanicanunos;

12.6 Akorak kosi kere lu ecamakitai ka agents eraas lu iswamaete bon oipone kec kesi icamakit iso aitodolikin ejanakine loka Airtel Money ido emamei ajenanara kowai edio kere lo ikisila kiding iso keda akorak/agents ido mam ikamunitos nu apesen arai igaraman arai apalisonut kowai kec kapak kana aitodolikin ejanakine loka Airtel Money.

12.7 Mam iso ikamunitos nuka atwaniaret na imina ijo adumun dimikito arai elomunit eitena kanu apalisonut kosi na itigogongoritai araibonat iso akanga adiakar. Arai mam iso aswamat nu apalisonut arai aswam erono, ikamunitos iso bon nu ikapun lu etwaniari ekasitoma kowai kon na abeit ijo 23

atwaniar konye mere adio atwaniar na elomuni kotoma owaitin kon icie; karaida ijeni iso ebe nu itakanikisi ijo mam eraas nu idilas.

13. NUEGELEGELA

13.1 Idari iso apedor na aijulujuleta adis apak kere komamei aitijenaret ijukakitai ijo nuka ainapeta nuitutubitai ka/arai ikapun. Itijenikino nuka aijulujuleta kowai lo alimonoreta kotoma apapulai nu iyemuto, SMS, arai website kosi ka/arai kowai lo aitwasam eipone edio kere lu ibecokino ido eyangaritai ebe idaun ijo aitijenikin kowaitin lu egelegela araida mam ijo cut iirarit.

13.2 Kowai lo ainyikokite aitwasam ejanakine loka Airtel Money eyangario ijo kwape yen idau ijo acamun aijulujuleta nu itodunitai kotoma atutubet na ikisila okuju. Arai mam ijo icamunit aijulujaleta kwangun apolouke mam ekoto ijo atiror/atwasam adio aicoreta nuka Airtel Money, arai mam iyangario ijo kwape itunganan yen obu ocam aijulujuleta ngun.

14. ACIE

14.1 Acamanara na (kotoma apakio nuegelegela eburokino) erai acamanara na imorikikit kotoma okisila imorikikit ijo keda lu itupakinete ijo arai lu iseunit ijo elope.

14.2 Mam acamanara na eminei aijaikin itunganan icie.

14.3 Mam idio kaoni arai ekasitoma atwaniar arai aiyap kowai lo aitwasam adio apedor arai ewai okwap ane, ebuni aswam komam itatacio, emamei idiopet arai atutubet na aswam na apedor adis kere arai ewai itikokini dio aswam araibonat aswam na apedor acie arai ewai.

14.4 Karai edumu edio atubon lo esunitai ainapeta nuitutubitai, ebuni adieket arai itunga lu ayaitok lu orionget loka epugae eyangarete kwape na amunar arai na mam bobo epedorio aitwasam dodo amamus aitwasamao ke mam itolitoli nuce ainapeta esalakinete eraas nu iswamaete agogong.

15. IRIPOTIN KEDA NUITATAMITAI

15.1 Ipedori ailip akiro nuta nu iswamasi ko Airtel Money (“Akiro nu iswamasi”) itwasamai iswamasia lu esimu kon: -

15.1.1 Ebalans lo Account kon; 24

15.1.2 Nu idulok nuikamunitos agwelanareta 2 (aarei) nu awasia ko Airtel Money nu ekangaunitai osimu kon;

15.1.3 Ejautene loka agwelanar kopana ko Airtel Money iraunitete kosimu osimu kon;

15.1.4 Nu idulok kotoma agwelanar naka Airtel money kaparan kana atubor ogeunitete osimu kon;

15.1.5 Nu esupaka nuikamunitos agwelanar naka Airtel Money ogeunitete osimu kon aparan adio;

15.1.6 Nu esupaka nuikamunitos agwelanar Airtel Money ogeunitete osimu kon kolap kalo atubor;

15.2 Iripotin lu aswam mam ijukario iwadikatete konye eminai aitodolikin ijo arai kowai loka SMS arai email erai aseunet kon.

16. AIPIKOR ARAI ISWAMASIA LU MAM ISWAMAETE EJOK

Mam iso ikamunitos nu adio atwaniar na elomuni kotoma amamunun na eNetwork, amunanar, arai aiyap na ejanakine loka Airtel Money, MNO Network, isimun, internet arai iwayai araibo networks lu igangakitos lu emorio, nes elomunitor ationis na, na mam iso da ipedori.

17. AIYEYEA, AITODUNIO KEDA AIDAR DATA

17.1 Iwaitin kere ebeit aidar aiyeyea nuka ainapeta nuitutubitai, ayeyea kere na akiro kere nu opotu iwaitin kere ocamanaros kwape nu aiyeyea keda adio akiro kere nu itodunos kapak kana itwasamaere ejanakine kosodi ebe edio ewai kere elosi aitwasam akiro kwangun bon kanu eswamae lo ebeit kotupitere ainapeta nu kwape ekotor ekisil.

17.2 Ijai ijo ne aitodun aijen kon katipet ka aicorakin AMC Uganda aitodun data edio lo agwelanar arai akiro nuikamunitos Account kon naka Airtel Money komam aideunit Uganda Police, Central Bank of Uganda, Uganda Communications Commission (UCC), Financial Intelligence Authority (FIA), Inspectorate of Government (IGG), Uganda Revenue Authority (URA) arai edio erionget kere lo iswamai kotenan kanuka aingic kana abeit araibonat nejai edio ewai kere lo ijatatar bon, arai kotoma aiwadikaet araibo aitorio 25

olago lo Airtel Money System araitai, AMC Uganda lo ecamakitai aitodun data lo agwelanar arai akiro nuikamunitos ijo arai etwasamae kon lo iboro ka ejanakine loka AMC Uganda, imoriarite Airtel Money Account kon, bon ebe aijen kere na ijaikino AMC Uganda kanu aitodun akiro nejai ewai ecie (mere etwasamak ikisila, angicak arai erionget loka emanimanak) orucokina keda atutubet na, na ekisil eminai alemar adio apak kere.

17.3 Ekot ijo aijen ebe ne engicuna eyaitene lo ikisila ebe ejatatar Account keda aitemonokineta nuarokok arai aitolot ikapun koipone kalo mam ecai, eminai aicorakin AMC Uganda kotoma okisila aiwolun ikapun lu Account kon kosodete aikopakin nejai erionget edio lo apiyai lo edukunitai kanu aikamunun ikapun lu ekokoo.

17.4 AMC Uganda nes ebuni alimor eswamae edis kere lo ejai abuonokin toma ko Airtel Money Account kon nejai Financial Intelligence Authority (FIA) arai nejaas icie iriongeta lu eyaitos nuka ikisila.

17.5 Ijeni ijo ebe AMC Uganda nes emina aitasal edata kon lo agwelanar itoni apak na eyangaikini ikaru itomon (10) araibonat kwape ebalar ekisil ecie arai ainapeta.

18. APEDOR NA ALEMAR

Ija iso keda apedor na alemar edio etiai lo ikapun lu iburai agent oupanara keda ainapeta nu acamanara ido ogironoro keda ikapun idio lu idaritai lu iburai Agent arai kanejai ngesi orucokina keda ainapeta nu acamanara kana araibo mam.

19. AITEMONOKIN INGUNGETA KA AITWASAM IKISILA

19.1 Ainapeta nuitutubitai eraas nu engara ido eyait apugan nako Uganda.

19.2 Ebeit iwaitin atamakin nu epedorete aitemokin edio engunget lo elomuni kapak kana itwasamere ainapeta nu arai kotoma owaitin kec lu aitemitem ka aineranar.

19.3 Oyua kwape ipedoria nes ti ebeit aitwasam ane, aingiseta kere nu elomunete kanejaas ingungeta kowaitin kere ido igaraman lu ingisitai kere arai akiro nu engunget kangol mere koipone ecie edaun aisinapikin kiding iwaitin lu eponio ayangar ne etubere ido orai atubon ediopet bon lo ecamanaros iwaitin kere aseun dodo arai egirokin acamanar ngin, kotoma 26

aparasia akasauni (30) nu etijenarere nuka engunget, kanuka ailipa naka ewai edio, mama ejai loapolon lo idararoi kapak kangin ido orai lo epolokit Center for Arbitration and Dispute Resolution (CADER).

19.4 Etube ngol nes ebunio aitolot ko Kampala kotupitete ainapeta nu etube ka aisimorikikin iwaitin ngul orai atutubet na Cap. 4 naka ikisila luko Uganda arai lu etupakinitos kowai lo aitolomunun ikisila arai atutubena acie nu ikisila, ainapeta arai ikisila lupo ber itwasamao ko Uganda lu erucokina keda etube.

19.5 Itoni ne ecamakit ekisil, nupe itolomuni atubon kes nu awasia, koraas nu egolokinete ka aimorikikin iwaitin kere.

20. KERE

20.1 Ijo nes ikamunitos nu apesenin kosi kere nu etakanunete kapak kana iburaere, ikapun lu ibajai iso ijo kere imoriarite ikapun lu aosan, ikapun lu etukonokinere ka ikapun lu emoere.

20.2 Mam iso ikamunitos adio kere nu itakanikinete ijo oipone ecie, arai kotube arai kanu igaraman arai atwaniar na elomuni kaswam adio arai nu apotu iso adepasi araibonat ecie ewai kere lo oyaitene kosi kosodi arai elomunite kotoma aswam arai aitutuket.

20.3 Ekot ijo aitijenikin iso katipet kanu aijulakinet adio na aiwadikatai SIM Card kon kosodete aijukar nejai MNO.

20.4 Icamunit ijo ebe akiro nuikamunitos ijo arai data, akiro kon nu itijenaritos ijo, akiro nuka agwelanar ko Airtel Money arai ineresinei lu itolositai keda Customer Service Centre arai Agents lu ecamakiatai kes ebeit aikam akiro kosodete aingad kanu aidar, aitodol apak na edoli ikaru itomon (10) agear aparan ana agwelanar kon nawasia arai agear aparan na agolokinere Account kon araibonat itojario kwape ebalar ekisil, ewai lo irereonori arai eyaitene ecie.

20.5 Copyrights kere, ijenuneta lu agwelanar ka apedorosio acie nu ajaut iboro nu aponi itwasamai kwape akiro kanu ejanakine loka Airtel Money arai nuejaas aiwadikaeta kosi, eraas nu ebeitos iso arai ewadikak kosi. Icamunit ijo ebe emamete ijo apedorosio kanen. 27

20.6 Ija iso keda apedor na aijukanakin ijo akiro ko SMS itoni address kon arai onaba lo esimu lo iwadikat ijo afomu kon na awaikao.

20.7 Alimonoreta kere, nu ikisila arai acie, kane ijai iso ebeit aijukar aiboisio nuta, ido aiboisio ngun ibuni iso aitodunun kotoma apakio nuegelegela: The Managing Director, Airtel Mobile Commerce Uganda Limited, Airtel Towers, Plot 16A Clement Hill Road, P. O. Box 6771, Kampala, Uganda.

20.8 Araida ejaas nu itetemitai kane, ainapeta nu eraas nu itolomunitai kotoma anu itutubitai keda nu etupakitai kotoma alasisi na ecilakit iso Central Bank of Uganda ka erionget edio lo imanimani, ka ikisila icie, aitutuket arai acamanara na itwasamao arai na ebeit aitwasam aibumakinia iso arai ijo. Karai mam nu itatamitai kane mam isimorikikinete arai mam iriamara keda aswam kosi oraas nu iwadikatai alasisi arai okisil, arai igwau ijo adio arai ainac aswam icie iboro, ijaikini oni iyangario kwape lu abilata ekisil araibo itingio oni kwape lu adautu aibil ekisil edio arai lu abilata nu iwadikatai alasisi araibonat abilite edio ekisil arai nu iwadikatai alasisi, ejai oni apedor na aibura kanu atwaniar wok na abu otakanu kowai lo igaraman araibonat acie, arai kanu idiobore arai aimeng nu itutubitai arai agolokin ainapeta nu, kwa itodunitere kane araicaat erai ngin abilite ekisil, arai acuponokin, arai aswam acie nuegelera epedorio aitatac komam oni agolokin ejanakine.

20.9 Emamei atwaniar arai aiyap ija iso arai ijo kowai kalo aitwasam apedor adio arai agangat okwapkane ebuni aswam kwape na atitai, emamei aitetemonorio na adiope apedor arai atutubet arai agangat itikokini ne inyikokitere aitwasam arai aswam acie arai aitetemonor adio apedorosio arai agangat.

20.10 Etwania edio ewai aitwasam adio kotoma apedorosio nuejaas ainapeta nu emameun aitolitoleta ejaunos nejai adio agangat kowai lo ikisila ido mam ecamakini apesen adio kowaikosi karaida ebilitai ekisil.

20.11 Apedorosio ka agangat na ijaikitai kane eraas nu iyatasi konye komam egitara kanejaas adio apedorosio arai agangat na ebala ekisil.

20.12 Ebeit ijo aitac apesenin kosi kere kanu iso ainyakunia ikapun kere lu ibajai iso ijo imoriarite ikapun lu aosan, ikapun lu etukere ka ikapun lu emoere.

20.13 Kanu ayuara kon, ekot ijo aidar keda aiyeyea iboro kon kere lu ijenitere ijo arai inabai lu ayuara lu itwasamao ikamanara keda ejanakine. Inabai/codes lu 28

ijaikini iso ijo aitwasam ikamanara keda ejanakine esalakinete eraas iboro kosi apak kere.

20.14 Apedor na ajaut keda iboro kotoma ojanakine (imoriarite software) (“IPR”) kes eraas lukosi arai akorak kosi ido ijaikini iso ekasitoma, iwadikatete alasisi, kanu aitwasam kotenan ojanakine bon.

20.15 karaito ipudai orai aiwadikaet ido akaulo aitac ikapun lu itatacio, orai ijo araibo eswamak kon lu ecamakitai etacete mam iso ijanakini akiro nu itwasamao kotoma agwelanar kanu ejanakine lo ijaikitai.

20.16 Karai edumu edio atubon lo eseunitai, adieket arai eyaitene lo ikisila adio kotoma ainapeta nuitutubitai, eyangario kwape nu amunaros arai mam bobo epedorio aitwasam arai amamus aitwasamao na ainapeta kangun mam itolitoli nuce ainapeta ido ainapeta kere mam epote aitolitolun kanu amunario angin ido esalakini keda agogong kere mam itwasamao.

20.17 Adio aitijenareta ikamunitos adio akiro nu imina iso aijukakin ijo kotoma apakio nuegelegela imoriarite konye komam itasangitai nejaas aijulujuleta nu ainapeta nuitutubitai, aitemonokineta/aijulujuleta nejai ejanakine arai ikapun lu itatacio kanu ejanakine, aitopolorite agwelanar ka akiro acie kes eponio alimonor kotoma apapulai nu iyemuto, SMS, Website, ka/arai aitwasam ewai ecie bon ebe eyangario kwape ebe idaunitai ijo aitijenikin kotenan araida mam ijo iirarit idis ibore kama kon.

20.18 Acamanara na imoriarit acamanara kere naikamunit iwaitin, ido egogong adepar acamanara acie nasek araibonat ajanara na eipone edio kere na ejai kiding iwaitin lu kotupitete ejanakine loka Agent arai ejanakine loka Airtel Money. Kotupitete atutubet na 13, aijulujuleta adio nu acamanara kana kes epote aswam bon ebe iwadikao ka aidokokin akan kokiror lo iwaitin kere.

20.19 Ilema ne ijaikitor acamanara na araitai, apedorosio keda aitemonokineta nuejaas toma iyatasi ido mam egetaritai adis apedorosio ka aitemonokineta nu ijaikit ekisil. Atwaniar arai aiyap kowai loka AMC Uganda adio apak kere aitwasam adio kotoma ainapeta keda nu itutubitai kotoma acamanara kana raibonat apedorosio ke ane, emamei acamakinio na apedorosio kangun arai apedor na aitwasam ainapeta ngun keda nu itutubitai apak adio kere.

20.20 karai itijena edio atubon arai eyaitene ecie lo itekoro arai atubon lo eseunitai kane ebe emamei ajokis, olakakinai, mam edolit kokisila arai mam 29

epedorio aitwasam, epote iwaitin aburokin atutubet na ainapeta angun oipone loajokan, itodolikini eipuda lo iwaitin kalu, karai ibiror apolouke atutubena nu itakadikitos kes eponio alemar kotoma acamanara kana komam aitolitol atutubena nu ideuna kotoma acamanara kana nuda esalakinete iswamaete ido ibumakite iwaitin kere.

21 AYUARITE DATA KA AIYEYEA

21.1. AMC Uganda nes itojokarit ajokis na ayuarite aiyeyea na akiro kere nu ijaikitos etwasamak luka Airtel Money. Akiro nu erai kanu aitigogongor ayapepera kosi kanu apedorosio kon ka aiyeyea.

21.2. Airtel nes etuki, eitena arai itorite nejai MNO arai agents icie, akiro nu itijenunitos itunga nu itwasamai iso airereonoro etwasamak luko Airtel Money kanu ayaite Airtel Money Accounts nuka nginitunganan, aiteteun Airtel Money databases, ka agangat na ejanakine. Mam ebeit ijo aijakin akiro nu aisab, nu mam edolitos, nu mam ileleba arai akiro nu itaparitos ido ijaikit ewai lo atupakit aswamisinei kere nu icorakitai kokisila ka ainapeta kere nu ejenas konye komam ibwaikitai awai National Payments Systems Act, 2020, kosodi Anti-Money Laundering Act, 2013, Uganda Communications Commission Act, 2013, Registration of Persons Act, 2015 the Regulation of Interception of Communications Act, 2010, the Data Protection and Privacy Act, 2019, keda ikisila kec icie lu itwasamao.

21.3. Imono kwa itodunitere kane, AMC Uganda nes mam emori akiro kon nuikamunitos ijo keda itunga lu mam ecamakitai ido etolomun iwaitin lu edolitos kanu ayuaritor tetere lu mam ecamakitai mam edumunete keda kanu awanyun ebe ejai aiyeyea toma akiro kon.

21.4. Ijenunit ijo ebe aitwasam ejanakine loka Airtel Money, acie kotoma akiro kon ikopakinos nejai itunganan icie yen idumunitor ijo E-Money kama ke arai yen ijukakitor ijo E-Money, ido emina ajaun nejai icie itunganan yen itwasamai ngesi da ejanakine ngol imoriarite amamus na esang, eswamanarak luka AMC Uganda imoriarite MNO nes ijanakini SIM Card arai telecom network ne edumakinio ejanakine loka Airtel Money, kosodi Airtel Money Agents, Airtel Money Pay Merchants, Airtel’s Service Providers, egangitok luka AMC Uganda kowai lo iboro arai ejanakine lo edumunono ko Airtel Money kwapenat aijuk ikapun akwapin nu okinga (international money transfer), ilonin lu osimu (mobile loans) ka aimono, aitac apesenin, banks keda ATM Switch providers. Kane icamakit ijo AMC Uganda aimor keda, aijaikin arai aitodun nejaas icie iwaitin luda obu ijo 30

iswanarator ogitigita arai lu imuno ijo aiswamanaror (ido odaunite aitijenikin AMC Uganda nu akote kana, kowai lo aiwadika arai olago ko Airtel Money System), akiro kon nuikamunitos ijo imoriarite data lo agwelanar, akiro nuikamunitos ijo keda Airtel Money Account kon, arai etwasamae kon lo iboro ka ejanakine kosi erai bon ebe ecamakitai AMC Uganda aitodun akiro nejaas icie iwaitin (mam erai aitwasam ikisila, lu angicak arai erionget lo imanimani) ikamanara keda atutubet na ekisil na eminai alemar adio apak kere.

21.5. Icamunit ijo ebe AMC Uganda nes emina airereonor akiro kon nu ijenitere ijo kotoma aiboisio nu engaara nejaas itunga kere ka data bases lu mam apugan ecamakit tai tai kanu arucokina keda ipudasia lu eyaitene.

21.6. Icamunit ijo ebe AMC Uganda nes ebuni ajaut keda apedor na airereonor etwasamae loka account kon ido emina aitodun akiro nu ikamunitos ijo nejaas lu ikisila arai iriongeta kalu angicak arai erionget lo imanimani arai iriongeta apugan kanu aingarakin kowai lo ayuarite, aingic, arai aitoosa aswamisinei nu ekokoere ka aisirim ikapun, lu ijanakinete ikapilak ikapun, akoko ka acie aswamisinei nuarokok arai amamus na atupit ikisila aimanimanio, ewoda lo adieket araibonat kanu acie kere.

21.7 Itigogongo ijo ebe akiro nu ijaik ijo erai kanu aiwadikaun kanu ejanakine kes eraas nuabeit ido edolitos, ido ebeit ijo katipet aiteteunun ka aitijenikin iso, arai lo ikopari kanekosi karai ejaun adio aijulakinet kotoma akiro/data kon keda apak na alomunia aijulakino.

21.8 Icam ijo, ido icamak iso adumun akiro kon nuikamunitos ijo, data kon, irekods, nuokau ikamunitos agwelanar kon ka akiro acie, kanejaas ipaup kosi, MNO, lu iwadikaunotor ijo SIM Card na itwasamai ijo adumununa ejanakine loka Airtel Money arai igeunit alomar (signed up) kanu ejanakine loka Airtel Money.

21.9 Icam ijo aituk, aitwasam, aingad ka aitemonokin (toma arai okinga nako Uganda) akiro kon nuikamunitos ijo kanu aiwadikaun kanuka ejanakine (imoriarite ejanakine kere lo akopana keda lo oingaren) arai kanu esokoni arai agwelanar acie nako AMC Uganda (keda ipaup kec) ka etwasamae/etemonokine ecie lo ecamakitai kokisila luko Uganda.

21.10 Eswamak luka AMC Uganda lu idarete akiro itunga kes ikamunitos nu ayangarite akiro ngun kaiyeyea ido komam eminas aitodun nejaas icie iwaitin. Eswamak luka AMC Uganda kes bobo ikamunitos nuka ayuara na 31

akiro nu otoma. Eswamak lu ebilete aiyeyea naka ainapeta nuka AMC Uganda kes ebeit aitereikin keda aitisilaro naegelegela.

21.11 Idio itunganan yen ijaikini adis akiro nejai AMC Uganda atorite Airtel Money System nges eminai aijaikin apedorosio nu adumun akiro ngun. AMC Uganda nes etolomu ewai lo isipedorit adumunun ka aitemonokin akiro nu ijaikitai kes.

Kojenu ebe ainapeta nu itutubitai keda nu itupitono nuka ejanakine loka Airtel Money nu esupaka kes iwadikatai kau na afomu na ewadikaere ekasitoma ido edumakino oidukai luka Airtel Money Agents, Airtel Service Centers, ka Airtel website odolok www.airtel.co.ug/termCondition.

AIRTEL MONEY MA ATITA AZI NGAZU RI (AZITA AYOTA NI BE)

1. ATITA

Kokobi di ece azita azi ni ayota dria mi ni airtel ayuzu eyo robia ni dia airtel money le dii pie dria. Azita di ma atiza eri eyo azi emi ma asala AIRTEL MOBILE COMMERCE UGANDA LIMITED ni ri be (eyi ni omve “AMC Uganda” ri i) tu jari azi nga pi i (Airtel Money azi nga za) Airtel Uganda Limited azi ngaza (eri ma “MNO”).

Mi ni Airtel Money ayu zu ri si, mi ati azita azini ayota ni pie dria ra. Tu aluru dri tiza mi ni risi azi ni agu mi ni ayu azi nga zu mi be ri pie emi a’yi azita dii ayota pie ra azi ni ojata nga pi yeru pi di pie. (“geriko azi ngazu dii”).

Ani, le mi ma la eyo dii, mi ma va geriko di ma efi. Eka ati ko le mi ma ofi mi ru Airtel Money ayu zu ku.

Oduko ama dria ri

Airtel Mobile Commerce Uganda Limited (“AMC Uganda”) okala mvu azi ngapi yii si Uganda ru ni ofi nukuta 80010003488648/123833,ri i. omve Airtel Uganda Limited ru ii, azi ni Airtel Africa plc ii. Azita ofeta ni omve the National Payment Systems Act, 2020 ria, AMC Uganda du geriko Airtel Money dri engazu MNO vu. AMC Uganda esu okpo engazu ero Uganda dri vu. Geriko robia ofezu dii pie (Electronic Money Systems) nukuta pie PSO 01/21 azi ni azi ngaza nukuta pie (omgbo A) nukuta pie PSP 01/21 fe mba odu 6th mba 5ni eli 2021 ri i. ama pari ambu azi ngazu ri Airtel Towers-a, Plot 16A, Clement Hill Road, Nakasero. Mi eco vi ni ama omve simu +256200202003 si kani ku customerservice@ug.airtel.com azi ni www.airtel.co.ug eyo onizu angiri AMC Uganda ma dria, azi ni mi omve ama nukuta 100 azako ma esu zu eka le onota fe kaniku eyo oni Airtel Money ma azi ngaza ma dria ria.

2. eyo dii ma efi.

Geriko azi nga zu ria, eyo dii ma efi eyi nga ofu di ni, eyo azi ndu ka ovu ku ria: -

“Account” agu Airtel Money ayu pi ri ma namba robia ba zu ama ni tani mba E-Value si ama Customers ma paria dii.

“Agreement” di ece geriko azi ngazu azi ni SIM Card ru ofiza, azita azi atita fe pi dii ojata azi nga pi yeru pi sawa azia di pie. 2

“Airtel Money Account” di mi numba Airtel Money dri ama ni tani mba geriko E-Value dri si robia Customer ni eyo ni zu dri nia edi rii.

“Airtel Money Customer Terms of Use” di eri geriko AMC Uganda pi ma aselie yi ma Customers be azi ngazu Airtel Money-a rii, AMC Uganda eco eri oja sawa ci ria.

“Airtel Money Agent” Di agu ama ni ru ni ofi azi nga pi Airtel Money be rii.

"AMC Uganda” or "we" or "us" or “our” di eri Airtel Mobile Commerce Uganda Limited, pari to pie Airtel Towers, Plot 16A, geriko Clement Hill Road, P. O. Box 6771, Kampala, Uganda, eri robia ofe keriko omve (Electronic Money Systems) ru si, kokobi ombo pie A engapi ero ambu Uganda dri vu.

“Airtel Money Balance” di robia asi pi mi simua mi ni ejo ayu sawa ciria rii.

“Airtel Money Instructions” di oduko edri SMS/USSD/Airtel Money App si Airtel Money System-a agu Customer ru pi dri ecozu azi ci Airtel Money ri ngazu.

“Airtel Money Merchant” di agu ati pi eco afa yini ozi ri ma robia ofe geriko airtel money si ra rii.

“Airtel Money Services” di azi Amani nga airtel-a robia Airtel Money ni ri ma ofeza si ama asakalie ama customer pie azi ni ama ni geriko dria robia ayu zu Airtel Money dii osi, eyo oni dri nia azi ni Customer ma eri ngo nia ri o’ne.

“Airtel Money System” or “Airtel Money” di geriko ama ni ayu ama ii azi Airtel Money ni ri ngaria.

“Airtel Money Trademarks and Trade Names” di ru azi ni e’da ama ni ayu Airtel Money ru rii.

“Airtel Money Transactions” di eyo mi ni mi numba ayuzu robia enjezu kaniku bazu Customer ru azi ni eyo azi dii pie mi esu pari 4 zu re ria.

“Airtel Money User Guide” di eyo dria osi geriko Airtel Money ma ayu za ma dri i. 3

“Airtel Money App” di AMC Uganda mi ni ecozu eyo dii onizu mi si rii, eri ba simu omve Android azi ni iOS Mobile Phone ru ayu pi dii vu dria, ani agu Airtel Money ma Customer ru eco azi nga Airtel Money ma dria ra.

“Bank Airtel Money Instruction” di oduko engazu Airtel Money-a ero Airtel Money ayu pi edi ri ni eco zu robia ba zu mi numba dria okpo mi vu da cirisi ecozu afa mi ni le ri ofe zu aje eri vu ri si.

“Cash” di robia kari Uganda dri ni ati ayuza ru ra rii;

“Cash-in Transaction” di geriko robia fezu agu Airtel Money ayu pi ri dri eco baza mi numba dria.

“Cash-out Transaction” di geriko robia enje zu mi numba Airtel Money dria sir ii.

“Confirmation SMS” di oduko edri midri SMS-a si robia mi ni ayu mi Airtel Money ri ma dria rii.

“Credit Balance” di robia mi numba dria ace pi mi ni eco ayu sawa ci ria ri.

“Credit Transaction” di robia aci pi mi ni eco enje mi ma numba dria ra rii.

“Customer” or “you” di agu azi ni amu ti ati pi Airtel Money ayu pi numba Airtel Money ni ri ofi zu ru ni si rii.

“Commencement Date” di mba odu mi ni edo zu mi numba Airtel Money ni ri ayu zu rii;

“Debit” di robia enje mi numba Airtel Money-a ri i.

“Customer Service Centre(s)” di pari ama ni azi ngazu dii numba pie ama vu koko bi azi dri dii ma dria.

“Debit Transaction” di eyo yerupi robia enjezu mi numba dria geriko E-Value ni ri si Airtel Money ni adri zu bo ria rii.

“Designated Payee” di agu azi ci, eco adri mi I ra, ba azi ni ra sms esu pi eco zu robia fezu eri dri engazu mi numba dria rii.

“Default PIN” di numba kalafe pie 4 mi ni fe sawa mi ni mi numba ofi zu ayuza ru ria rii. Mi oja eri mbelia ru mi robia ma ta mba zu. 4

“E-Money” di robia ma ombo mi Airtel Money ma numba ma dria mi ni eco enje ayuza airtel money sir a rii.

“E-Value” di robia eco ne agu customer ru ma number dria ra eri ni ku yi ma asisi ni vi ni eyo ni ra.

“Fees” di oya mi ni ofe Airtel Money ayu ri si dii.

“Goods and/or Services” di afa mi ni le je Airtel Money-a, mi robia ni ofe geriko Airtel Money si.

“Inactive” di eyo SIM Card dria, mi numba ofi ri te azi nga ku ca odu 90 di pi bo.

“Licence” di azi ta azi ngazu rii, eri ma ojaza kaniku odi ni ma esuza pie engazu ero ambu Uganda dri vu azita ofeta ni eli 2020 dri vu si, azi robia ofeza ni ri nga zu Uganda dia.

“MNO” di azi nga za simu si kaniku Airtel Uganda Limited ma geriko AMC Uganda ni eciruzu azi nga zu robia dria Airtel Money si suru di si dria.

“MNO Network” di azi nga simu si wudri kuru si dria(GSM) azi ni, azi simu-a oyozu Airtel Uganda Limited ni ri (the MNO), ru ni ofi oyozu Uganda si, ama edo tujari robia ni Airtel Money ni ri azita da si, ama eciru azi Airtel Money ni ri ngazu ale nia.

“Mobile Equipment” di eri mi simu azi ni mi simu card afa azi mi ni eco ayu azi Airtel Money ni nga zu ra rii.

“Mobile Phone” di simu mi ni ayu rii.

“MSISDN” di number fe mi dri mi ni ru ofi mi simu card dria mi ni zu azi ni mi ni azi oyoa ni ri nga zu.

“National Payment Systems Act” or the “Act” di azita ofeta ni eli 2020 drii.

“Nick-name” di eri numba 3 kaniku 7 mi ru ni customer ru ndu rii. Mi eco eri oja sawa ci mi ni leria.

“NIN” di mi National Identification Number si mi National Identification Card dria rii; 5

“Originating Party” di agu kaniku ba Airtel Money ma azi nga pi numba ofi pi robia fezu engazu Airtel Money agu azi dri.

“Payment” di robia ofe agu azi nga pi Airtel Money ri dri mi ni le mi numba dria ri pi.

“PIN” di numba 4 mi ni zu mi ni pe mi ma robia ayuzu rii.

“Pre-paid Airtime” di eri oli mi ni ayu simu omve zu rii;

“Recipient” di Customer kaniku agu azi nga pi Airtel Money-a robia edri olia si ri ayi pi rii.

“Registration Form” di karatasi mi ni ofi, fe asisile simu card, azi Airtel Money ni ri ngazu eyo mi dria dii woro dri ni ci. Mi ati azi ta di ma vuti obi zu ra.

“Regulatory Authority” di eri ero ambu Uganda dri i, amu ti omve Uganda Communications Commission ru i, kaniku amuti azi ci okpo fe pi azi ni one pi sawa ci ria ri pie.

“Service” or “Services” di eri azi Airtel Money ni nga azi ni eyo ama ni ega ama eco nga ra di pie.

“SIM Card” di mi ma simu numba ega ayu masini azi muke ni si eco fe mi ayu robia ni Airtel Money ni ra rii.

“SMS” di oduko weria mi ni esu engazu ba azi vu geriko omve MSISDN ru i.

“Tariff Guide” di waraka si robia mi ni ofe oyaru mi ni Airtel Money ayu ri si ba pari azi ngazu ria azi ni ama Website https://www.airtel.co.ug/ eyi otu sawa dria si.

“Terms of Use” di azita ayota be si waraka si ama ni nga oja wasa ci ria dii.

“Transaction” di eyo mi ni ye mi numba si robia ba zu kaniku nje zu ri i, eyo azi ndu robia ni di pie.

“Transaction Fees” di robia mi ni ofe oya ru mi ni Airtel Money ru si dii. Eri oja ru sawa ci ria mi esu ama koko bi dria azi ni ama Website si. 6

“Transaction ID” di eri number ndu mi ni esu enga zu Airtel Money vu azi dria Airtel Money dii nga zu mi ru si.

“Trust” di eri ati ta robia ni omve“Airtel Money Trust Fund”, amuti ati ra okpo esu pi enga zu ero ambu Uganda dri vu obi ma robia tamba zu rii.

“Trust Account” di eri ama ni ero ambu ria azita ni le ri sir ii. Ania robia dria ofe dii enga ania eyi tani mba customer Airtel Money ni dii ma pa ria.

“Trust Deed” di eri ati ta azi nga zu obi ma robia dria geriko azita ni le ma mba robia efi pi mi accountia si azita azini ayo ta vu si.

“Trustee(s)” di agu le azi ni ero ambu Uganda dri ni le ma nga azi robia ni ri tualu ra rii.

“USSD” di fa edri ba ciri dri geriko ondua ofi machinia si omve GSM ru tu alu MNO Network be.

“you” di mii Customer ru.

"we" or "us" or “our” di ama Airtel Mobile Commence Uganda Limited ii.

3. AIRTEL MONEY ACCOUNT njiza azi ni ta ni mba za.

3.1 Azi Airtel Money ni rib a ci ru pie ofi MNO-a ra ri ni, simu ofi MNO Network Uganda ra eri ma SIMu Card ni dria MNO dri dii nga pi ra di pie.

3.2 mi eco mi ru ofi Airtel Money ni SIM Card alu si. Le mi vu simu card ofi Airtel Money dri ma ovu ci mi ni azi Airtel Money dri dii nezu geriko MNO Network si. Mi simu card ka ofi Airtel Money ni ku, mi eco fe ofi ace weria si kaniku eco mi ni azi ni ofi bo ni fe ra.

3.3 mi eco mi numba ofi Airtel Money ayuzu MNO si kaniku pari ama dri azi dri dii ra. Azi ni ba azi nga pi ama Airtel Money pie dii vu mi one form simu card ofi zu ri ma dria. Ecezu ele Airtel Money ayu mi SIM Card si ra.

3.4 sawa mi ni form fezu ri si eyi nga le mi ma fe mi simu numba Airtel Mobile dri (MSISDN), mi ru, e’da, NIN, ID Number, pari mi ni oa zu ri, pari mi tujari dri, odu mi ni osizu ri, mi kari mva nia ri, mi oku nia kani agu pi nia ri pie azi ni oduko azi ama ni le mi vu di pie azi ta ni le ri le. 7

3.5 mi ID ma e’da azini mi e’da eyi nga bi pari mi ni mi SIM Card ofi zu ria.

3.6 mi ni mi simu card numba ofizu Airtel Money ayu zu ri si, mi ati ama ni eyo ni zu mi dria geriko mini eri ofizu MNO ria robia Airtel Money ri ni ria.

3.7 oduko dria mi ni fe dii ma ovu ada, muke, le mi ma fe oduko azi enjoru deru pi ku ni.

3.8 eri azi mi ni, ne zu adu ko mi dria dii woro dria muke.

3.9 ama nga oduko mi form ma dria ri one ama i kaniku ba azi nga pi ama pie di ma azi ne zu ki eyo dria okporu dii muke, mi nezu azi ni e’da ni edrizu ofiza ru.

3.10 ama eco mi ga mi ma eyo ofi ri vu si ra.

3.11 ama eco ga mi dri Account nji ra aka esu afa mi ni ofi dii ma azi eyi enjoru kaniku ofu ni dria ku ria.

3.12 ama okpo ci eyo dria oni zu kaniku eyo azi le zu mi vu dika sawa ciri ma alia , ka adri ku ama eco geriko mi ni Airtel Money ni ri opi ra kaniku mi Account opi dria.

3.13 eka mi ofi azi Airtel Money ni ri nga zu bo eyi nga mi dri numba omve PIN ru fe azi ni mi nga oduko esu SMS si ece zu mi Account nji ru bo ri ma dria.

3.14 eka mi account nji numba ndi ndia ru si bo, eyi vi nga le mi ma pe numbe omve pin ru ma azini mi ni ecozu Airtel Money ayuzu eka robia ofe bo ria.

3.15 azita AMC Uganda’s ri ni le ri si, mi eco geriko mi ni mi Airtel Money ayu zu ri oni ama vu geriko ndu ndu dii si ra te mi nga oya azi ofe ani edi. Geri mi ni mi robia airtel money dii ayuzu ri ni nga efu dria sawa mi ni edozu ria.

3.16 eyo apizu ku ri ni, AMC Uganda ejo ni nga afa azi ni e’da eyo azi court rua eyo mi ni esu mi airtel money ma ayuza ma dria enga AMC Uganda vu ri ma aliea ku. Azita driliea da vu si.

4. AZI AIRTEL MONEY DRI 8

4.1 AMC Uganda ni azi robia ni Airtel Money dri nga ni, eri fe mi ni robia e’dri azi ni e’nje engazu mi SIM Card dria kaniku MSISDN ni fe mi dri engazu MNO vu.

4.2 Airtel Money eri ba dria eyi ofi pi MNO Network ra di ni sawa SIM Card esuzu ria. Ba azi simu Cards ndu dii ayu pi dii ma azi eco adri ama vu di le ku.

4.3 mi eci mi ofi Airtel Money geriko MNO si, pari SIMu Card Sell ozi zu dia kaniku ba azi nga pi Airtel Money Agent ru dii vu mi ni dri oti karata si simu SIM Card eyo osizu ria.

4.4 AMC Uganda ni nga fe mi ayu simu card azi Airtel Money ni ri nga zu si ya ri ni.

4.5 AMC Uganda eco okpo ii dri si ga mi ofi kani ku mi ru ofi azi nga zu Airtel Money be ri du te.

4.6 mi eco robia olia eloru pi ku ri ba mi numba Airtel Money dria keriko robia bazu ba azi nga pi Airtel Money Agent ru amveleru dii vu kaniku agu azi Airtel Money Customer ru vu, geriko robia edri zu wudrikuru si di vu azi ni keriko amuti AMC Uganda ni ati robia edrizu dii si.

4.7 robia dii nga la woro robia Uganda dri si. Airtel Money eco ni robia azi suru ndu dri la ku, ani le robia dria mi vu ri le mi ma oja eyi robia Uganda dri ru.

4.8 mi robia edri olia si eloru pi ku ri ni ovu number ofi tani mbazu AMC Uganda ni ati ba eri ofi pi dii pie eyi ni ayi Airtel Money ayu zu azi ni ta ni mba zu mi mi dri azita ni le ri le.

4.9 mi ayi ba di yii ni eyo robia ni Airtel Money di ma ta mba zu sadi ni ru ecezu mi esu robia eloru pi ku di mi numba dria, eyi ebi lu tani mba azi ta ni le ri si mi paria.

4.10 Ombo robia ayuzu ri ma azita vu si. Robia kuru pi mi numba airtel money dria ri eyi nga fe mi dri sawa mi ni lezu ayu zu ria geriko Airtel Money si.

4.11 le eni ra Airtel Money ovu ni ero ni kaniku amuti robia edu zu ni ku azita amuti robia ma eyo one pi ri dri vu si. 9

4.12 robia dria ofe oya ru Airtel Money ayu zu ri si dii dria ozi eyi karata si pari ama ni azi nga zu dia. Ama Airtel Money Agent pi vu azi ni ama website-a kaniku ama nga ey6i oba sawa ci ria ama ni ojata yeru ri vu si..

4.14 ama nga fe mi Airtel Money ayu azi ta di vu si:-

4.14.1 ama nga fe mi ni airtel maney ayu ra te anga ni eri nga ovu sawa dria si cia ri ku, ama eco ni nga mu paso sadi ni ru ku eyo azi ka mu ederu airtel money adri zu ku sawa mi ni azinga ria. Mi ni azi ta di atizu ri si mi ayi ra airtel money ofu ni eyo azi onzi ni kokoru ku. Eceta si edeta mungu ni ri, pari mi oa zu ri ma eyo, eyo ozoo pi ni, sawa ojaja ni yeru zu ri i azi ni sawa azi nga zu Airtel Money ma dria dia azi nga za Airtel Money ri eco esi vile ra.

4.14.2 mi simu card ka avi kaniku ezaru le mi ma lu eyo ni ama dri mpelie ru eyo ederu pi ri si geriko ba azi nga pi ama pie dii ma omve za si. Ama nga fe mi numba da nga azi ku wa sawa mi ni eri edezu kani ku odi ni esu zu bo ria. Mi nga asa ra dria ederu pi sawa mi simu card ni afiria, esaru ria di du mi i, azi ni oya ofe sawa ama ni azi nga zu mi Airtel Money SIM Card edezu dii ofe.

4.14.3 azi dria mi ni nga mi Airtel Money di ma tamba za ovu ni dria ku. Ama le lu mi ni ayo azi ma okpo ni ovu zu ania ku di si azi mi ni nga di ma azi eyi nga ca ba azi ndu ni vu ra. Ama eco ni asara azi ni du sawa eyo azi dale ni deru ria ku.

4.14.4 mi le ra ama ni geriko mi ni azi nga su mi numba ayu dii otizu azi ni fezu onezaru sawa azi osi viliea dia: -

• (a) Ogu adrizu azi ni azita ni le ria;

• (b) Tujari ma eyo si geriko mi ni Airtel Money ayu zu ri si, dia lonyi ma eyo kaniku eyo onda za eyi;

• (c) Ama ayu ama simu ayuza ma eyo ni osizaru kaniku olia si;

• (d) Azita governte vu kaniku ba okpo fe pi dii vu di ma vuti obi zu azi ni court ni le ri si;

• (e) Ba eyo nje pi ama paria di ayu ni eyo azita dria.

• (f) Tujari ma emba ta feria, aje otuzu azi ni azi muke nga zu.

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4.14.5 mi ati ra ama ni eyo dria ni zu mi dria azi ni lu zu mi ni ama dri mi koko bi emails, SMS’s, fe zu azi ama ni fe dii nga zu ri si. Geriko ni eyi di ni: -

• (a) Ayu za ru azi ta kari ni kani ku wu dri ku ru ni le ri vu si ogu, aramu pi adri zu ba governmentia di dri azi ni ba ezata ede pi di ji zu court-a;

• (b) Ba azi nga pi ama pie dii ayu ni, amuti ecirupi azi nga zu ama pie di vi ni ayu ni azi ni eyo tujari ni bi ru pi geriko mi ni Airtel Money ayu zu ri si tujari ni azi ni eyo ondazu;

• (c) Azi ama ni dii ye zu geriko azita governte dri ni le ri vu si court be;

• (d) Ba eyo nje pi ama paria di, ba eyo oti pi di pie azi ni ba emba ta fe pi ama ni di eyo azita ni di nje ria courtia si.

• (e) Le mi ma ati azi ta dria ama ni nga fe sawa ciria Airtel Money ayu ria dii.

• (f) Ama nga azi dria mi ni nga di one azi ni osi ama dri tujaria aje oja zu,embata ni, azi nga zu muke azi ni eyo onzi dii ogazu MNO Network-a kaniku Airtel Money ogu azi ni aramu atrizu.

5. MI NI ATI ZU AZI NI EDO ZU AZI NGA ZU.

5.1 mi ati azita dii azi nga zu ra, eyi nga ojareu sawa ciria: -

• (a) Mi ofi/edri kokopi/form ama dri, MNO kaniku kaniku ba azi nga pi ama pie di dri;

• (b) Mi ofi mi numba Airtel Money dri numba ndi ndia ru si.

• (c) Mi ni Airtel Money ayu ri si.

5.2 azita di nga azi nga dere ru ojaru eyo azi ni si dia.

6. NUMBA OPIZA, AYUZU KU RII, AZI NGA KU RI PIE

6.1 Ama eco airtel money ayu za opi, omvi weria kaniku woro luzu ki dri koko ru azi ni asara azi dukokoru eyo dii si: - 11

6.1.1 aka esu robia mi vu ri deru ra, mi dria ma ri ci mi eco ni eri ma ti omvi ama dri ku mi ni oduko fe ama dri kani ku aka esu ama ii ria;

6.1.2 aka esu ni mi ma numba, simu, MSISDN kaniku mi numba ndi ndia rue bi ayu keriko onzi ni si aramu, ogu ama azi ngazu sawa azi ma alie r aria.

6.1.3 aka esu eyo azita ni bi mi ra esu eri geriko government, court dri si ani eri nga ama tujari ma aji di ria.;

6.1.4 aka esu mi obi azita azi Airtel Money ayu zu ri ma vu ti ku ria azi ni eka lu ama ni ogu ama machine azi dri di ma azi, numba ndi ndia ru lu ba azi dri bo ria;

6.1.5 eka yo ama opi mi numba azi Airtel Money ni ria;

6.1.6 eka kaniku fe mi numba, SIM Card, MSISDN, numba ndi ndia ru ayu eyo azi ndu ni ni eri nga ama azi nga za Airtel Money ri eza ria;

6.1.7 eka mi numba kaniku simu card ayu ku ria.

6.1.8 eka azita azi ngazu di ma vuti obi ku ria;

6.1.9 oduko mi ni fe sawa mi ni form ofi zu di ka esu ofu ni muke ku di kaniku eya eyo mi dria dii out sawa dria si asita ni lerile ku ria;

6.1.10 sawa afa azi dri di ni azi nga zu ria kaniku ederia eyo azi di pie.;

6.1.11 eyo azi ederu pi ama ni ejo ede ku dia.

6.2 eka eyo ama ni le dii ma vu ti obi ku ama nga egata amanisi eyo azi lu kokoru mi dri mi numba opi ci asara azi du zu mi dria si kokoru.

6.3 ka azi Airtel Money ni nga ri opi kaniku adri ci ani fe opi mi numba edi ama nga robia awipi mi numba dria ri fe mi dria sawa mi ni emu zu pari ama ni azi ngazu ria ejeta dria pie ria.

6.4 ama eco ni nga asara azi du eyo azi ederu pi ama pie, mi pie nekoko ru kaniku ba ka ni ra ti, ka ederu geriko azita ma vuti obiza vu ani fe ama opi azinga azita ni le ri vu si numba 6 ri le. 12

6.5 mi eco azi nga za ama pie ri adri geriko oduko siza va ri feza ama dri ri si mba 1 ma aliea;

6.6 mi eco ni eyo azi eji ama pie eyi ni azi ngaza adri ri si ku. Azi nga za adriza ejo ni okpo ba azi ni alu ni ojaku;

6.7 eyo dia azi ngaza dria di nga ece ni azi disi ku, robia deru eri vu ra ani le di fu azia si te kaniku nyo azita bo.

6.8 agu azi eco ni agi ni to eyi ni azi nga za adri ri si ku, ‘do lu azi de ma adriza eci maria dri nia eyo nde ri si ka.

6.9 azi atriza nga ni azi ta di ma azi oja ku eri ni eco eyo azi onzi ni eji ba azi ri ma rua ra sawa eyi ni azi atrizu ri si;

7. OYA AZI NGA ZU RI

7.1 oya ofe Airtel Money ayu zu ri si dii ci pari ama dri azi ngazu dia, ama Airtel Money Agents amve leru di pie Website si.

7.2 oya mini oye ama airtel money ayu ri si dii ama koko bi ma dria ci eyi eri enje sawa alu alu mi ni airtel money ayu zu ria. Mi nga oduko esu sms si robia enje azi ni asi pi mi numba dria ri ni.

7.3 robia enje mi Airtel Money ejo elo ku biru pi eyo ero dii ma ti ofe za pie ri ni nga okpo ero nde ri ni le ri si, eri nga fe mi oya azi ofe dika ero nde ri ni oba ri le. Di ni nga ojara sawa ciria eyi nje fe ero nde ri dri.

7.4 oya mi ni ofe ri ni nga, oya azi ndu dii oli edi okpo eyi ni oba zu di pie.

8. AIRTEL MONEY MA AZI ROBIA DRI.

8.1 mi numba Airtel Money dria eyi nga robia ba eka robia eloku ri je ria kaniku ba azi ka robia robia eloku ri edri mi numba dria ria.

8.2 robia dria enje ri ni nga ederu geriko Airtel Money si mini ni numba ndi ndia ru omi ri si azi ni geriko azi ama ni nga fe sawa azi ma aliea ri si.

8.3 mi eco ni robia azi enje kaniku ayu airtel money ku, robia mi vu eloku ri ka ca okpo mi ni le ayu ria oya ofe zu ri pie ku ria. Robia mi le ayu ri ka ca okpo AMC Uganda le mi ayu ria bo ria; eka ca robia mi nieco ayo odu alu ma aliea 13

azita AMC Uganda dri vu sib o ria; ka mi numba opi ci kani ku oga ayuza ru si eyo ada si ria. Azi ni afa azi nga zu dii ni ovu zu eyeria ri si.

8.4 mi numba ofi zu muke bo ria mi nga eyo dii ye: -

8.4.1 mi nga robia elo ku ri ba enga zu Airtel Money Agent vu kaniku ama angu azi amve leru dia . mi nga robia di ba lu mi numba dria ovu ni numba azi airtel customer azi ni ndu ni ma dria ku. Mi ni robia eloku di ba zu mi numba dria le mi ma ofi eyo midria di woro, le mi omvi zita dria ece zu eri ada ru mi le pi robia ba pi rii, vu ti nia efi eri Airtel Money Agent dri robia eloku rib a zu mi numba dria okpo mi vu ri si. Eka fe bo le mi ma ti dri buku omve Log Book rua ece zu mi ede eyo robia bazu dii dria muke.

8.4.2 mi nga robia ni esu geriko robia ofezu ri si enga zu Airtel Money vu.

8.4.3 mi edri oduko robia ni ri Airtel Money: -

• (a) Robia eloku ri enje zu enga zu pari ci azi airtel money ni ri nga ria;

• (b) Robia eloku ri edri zu engazu mi numba dria ba azi dri eyi ma numba ayuza si kaniku ru ayuza si, ngo pia ri pie.

• (c) Mi eco oli simua ri je mi dri kaniku ba azi dri robia elo ku mi vu ri si.

• (d) Robia mi numba dria ri oja zu ero azia engazu Airtel Money si.

• (e) Mi ejo afa eyi ma aje ofe ani, fe azakoma ru azi ni fe amuti azi i dri ra.;

• (f) Mi eco vi ni afa azi i je enga zu airtel geriko robia elo ku edrizu numba airtel money ni afa mi ni le je dii ofe zu ria okpo eyi ozizu ri si.

8.4.4 mi eco azi ndu di nga ani AMC Uganda ka eji bo ria.

8.4.5 AMC Uganda ma okpo ci okpo afa jezu rib a zu ci, eri nga numba azi Airtel Money di dri okpo ri ba dria azita ni le ri vu si.

8.4.6 AMC Uganda eco ni yo azi dria airtel money dri di nga ovu sawa dria si ni ku. Eco azi di ma azi adri ngaza zu Airtel Money si sawa ci ria. Eyo azi azita ni ri si ka ni ku eyo azi ni ndu dii ma eyo si.

8.4.7 AMC Uganda eco vi ni azi azi eji Airtel Money ma dria ra. Geriko amuti robia ma azi nga pi di ni ati ri vu si. Azi eri ni eji di nga ni ovu mi ni woro ku. Mi ni 14

nga eyi ayu ri si mi ati azita AMC Uganda le ba azi nga zu ri si ra. Da ejo ni geriko mi eyo di atizu ri nga ni ocoko eji AMC Uganda dri ku.

8.4.8 sawa ama ni ama tujari ma yezu ria, obi ma eyo si azi ni geriko azi nga zu ri si, ojata azitia ri ma eyo si , ayota ma eyo si eyo azi ndu dii pie, AMC Uganda ni nga azita di oja ayota azi di pie azi nga zu eri nga mi dri odu ko ni fe sawa muke ria. Mi ni muzu drile Airtel Money ayu zu ri si mi ati azita dria di ra.

8.5 mi ni numba ofi zu muke bo ria, mi eco di eyo dii ye: -

8.5.1 mi eco odu ayi mi numba ma dria;

8.5.2 mi eco robia aci mi numba dria ngo pia ri ne kaniku mi ero ri ngo pia ri ne edi eka eri eci Airtel Money be ra ria;

8.5.3 mi eco mi numba ndi ndia ru oja kaniku ru ayu ri oja.

8.6 eka robia ma eyo dria Airtel Money emi nga dria SMS esu numba ndu ni pie, robia mi numba dria ri pie agu emi ni robia elezu ri be ecezu robia di pi ni ebi nje azi ni efi mi numba dria. Airtel Money ni nga yi vu report ri ma ta mba.

8.7 robia enje enga zu mi numba dria mi ni numba ndi ndia ru omizu ri si ri ma oya mi nga enga mi vu. Mi ati ra, wa AMC Uganda esu oduko enga zu mi vu mi ma numba ndi ndia ru ovu ni muke ku kaniku oku afa mi ni azi nga zu di ma azi ra, ama nga asi ba numba ndi ndia ru ma dria ni zu ki ni mi ebi robia enje mi i, ka te tro adri mi i ku, ama ejo ni waraga azi le enga zu Airtel Money vu ku.

8.8 eri azi mi ni ni zu ki ni eyo efupi mi dria azi Airtel Money ni ri ngaria ri muke alenia edi ri mi ru agu robia ayi pi ri ma ru, numba, numba ero dri i, pari ero dri pie de nga mi edri robia ma eyo Airtel Money njeza ru ku.

8.9 oku mi edri robia ni bo ri ejo ni omvi vile ku. AMC Uganda ejo ni geriko azi ni ci ni si robia di omvi vileku. Airtel Money ejo ni robia di obi kaniku oja ku eyo ni k ate dro adri ngo ni ti. Eka te dro eri ru customer da be bo kaniku Airtel Money Agent be ti. Mi nga mi eyo otu agu da be ami ni ni kokoru.

8.10 azita ma eyo si, AMC Uganda ma okpo ci sawa eri ni leria robia ma azi adri zu ci ezata azi ka adri ci ria kaniku ne eyo azi ogu ru ni ria. Azi ni agu robia neku dii ayi pi ri te ni nga eri enje ku mba 1 vu tia ria. 15

8.11 AMC Uganda ejo ni agu robia edri pi ri ma robia edri onzi ri ma rua tiko omvi eri dri ku ka dro edri aniako si ra ti. Drile onzi si ti ani le mi ma ono AMC Uganda ma rua mi ma ezata ye robia njezu mi vu ri si ku.

8.12 eka robia esu nikoko ru, le mi edri eri vile ayu edri pi ri dri ka adri ku AMC Uganda ni nga eri edri agu te ri dri. Mi nga pa so azita ma driliea mi ni robia edri mi vu nikoko ru ayu ri si.

9. AGAI TEMA AZI NI AZI NGA AZITA KOKO RU RI.

9.1 Numba mi ni nga ayu ndi ndia ru ni nga ovu 1 sawa ciria.

9.2 mi lu nga mi numba ayu, simu ayu, mi ru azi ni numba ndi ndia ru ayu.

9.3 mi nga mi numba ma tamba, ru ma tamba muke mii. Mi ma simu, afa ayu Airtel Money azi ngazu dii pie dria mi ni numba ndi ndia ru ba zu muke ri si.

9.4 eco nga le mi adi yia ri le ni mi ru si le mi lu mi numba ndi ndia ru ku at aba azi nga pi ama pie dii dri ku.

10. EYO AGU CUSTOMER RU NI ECO YE DII.

10.1 Mi nga oya dria robia ni mi Airtel Money numba dria di numba ndi ndia ru omiza si. Robia dria enje ru pi enga zu mi numba dria ega te dro ede mii ka niku ba azi ka ede ni mi tikoko ru azi ni robia ofe ero dii pie.

10.2 mi nga pa so eyo azi ni oduko dria efu pi aji di marata ru, nyo azita di ma dria, eyo azi ka eca ani ofeta ru mi nga ama ku amve.

10.3 Le mi ayu Airtel Money ezata ede zu ku.

11. AMA AZI.

11.1 Ama ati ra ki, robia elo ku dria efi pi enga zu ba zi vu mi numba dria di ama ta ni mba Airtel Money azita ni le ri si, mi nga eri esu okpo eri ni efi su ri vu si. Mi ati ra ama nga robia elo ku di ba eyo ta mba ecezu ki ni mi ma numba dria robia azi ni ebi efi ra. Ama eco ni ofi robia di efi mi numba dria adu eyo ye zua ri ma vu tia ku. mi ati vi ni ra ki robia azi nje engazu mi vu mi ma asi 16

ri ama nga nje mi ni mi numba ndi ndia ru omizu boria. Mi numba omi ri sib a azi k ate tro omi ni ra ti.

11.2 mi ati ra ama ayu robia di azita ni le ri vu si azi ni ero ambu Uganda dri ni le ri vu si. Mi ati vi ni ra era oro dri azi esu ra ama eri ma azi ma tamba azita ero ambu Uganda dri ni le geriko ayota ba o9feza dri vu zi.

12. ASARA AZI NI MI NI OVU ZU KU RI.

12.1 Eyo azi si ka eco mi oja mi ma numba oyozu ri ru, eri vi ni muke mi ni eri oja zu azita ma vu ti obizu, ama nga mi numba ma tamba kaniku oje oni ni feza si geriko MSISDN si, ama nga robia awipi mi numba da ma dria ri fe mi dria.

12.2 eyo azita ni ri ka le ni keriko dria si.

12.3 Azita ka le ni ama eco ni afa azi, asara ru du ku, kate dro adri aka, kaniku nikoko ru, ama ni te azi ngazu ku ri si, mi nga ama ni oduko eyo ederu pi ri dri fe dria robia ofe ri pia, afa ezaru pi ri pie dria sawa mi ni azi nga zu ria kaniku simu card si ria at aka te dro ovu ba azi ni.

12.4 Aga ni eyo azi ye ku aka te azi nga ku de si eyo ama adri pi ri eyo mungu ni ni, government ni, onota ni, aci ni, yi tiza ni, ovi ni, azo pi ma eyo ni kaniku afa azi nga zu di yo. Dii eyo ama ni ye ku ni.

12.5 Ama ejo ni eyo azi ede ku, eyo azi ederu pi drile onzi ru ezata si le pi ma ofe eri, mi afi afa azi yii kaniku afa di ma azi ezaru azi nga ria di si. Fe ani mi afi vi ni oro dri esu ri te, tujari ede te, robia mi nib a kala si di pie.

12.6 Ama ba eyi dria ba azi nga pi di pie ba muke ama ni le ma nga azi Airtel Money dii. Azi ta azi ama aseliea eyi pie ni yo ani ama eco ni asara azi nga eyi ma paria ezata eyi ni ede azi Airtel Money ri si ku.

12.7 Aga ni asara azi ndu ezata mi ni ede ri si ku, de lu ani ra ezata deri enga ama vu kaniku aye eyo azi ni onzi ama yi ka. Aka eyo azi ye onzi ku anga ni robia mi avi ri ma eyo ni ku. Asara mi ede nikokoru pie aka te tro ni mi di ede ti.

13. EYO NDU RI.

13.1 Ama okpo ci ojata yezu sawa ci ria oduko fe koko ru dri nia oya ofe za pie. Ama nga odu ko di ba karatasi dria, edri sms si kaniku ba ama website si 17

kaniku geriko ci ama ni ega muke ri si ama nga ega eni ra ega te dro esu nga ku ti.

13.2 mi mu zu drile Airtel Money ayu ri si ama nga ega mi ati azita dria oja ta ni dri liea dii ra. Ega ati ku le mi ma ayu Airtel Money ku ada ni si ama nga ega el era.

14. eyo ama ni yo ri

14.1 Eyo di ni nga ojaru sawa ci ria, eri azita emi aselia agu mi ni ba mi vutia ri pie mi egata si.

14.2 Eyo di eco ni fe ba azi ni dri ku.

14.3 Eyo azi ederu pi vile sawa dupi ama vu si kaniku customer vu si azi nga ria ri ni nga ovu dru zaru eco odu zu ba azi alu ni candi fe zu ku be ni.

14.4 Azita dii ma azi, ba azi ka esu kaniku court ka esu ovu ni muke ku, ejo ni fe azita azi dii adri vi ni onzi edi ayu zaru dini ku.

15. ODUKO

15.1 Mi eco azi Airtel Money ni nga dii ma oduko ayi mi simu si: -

15.1.1 Robia aci pi mi numba dria ri ma oduko;

15.1.2 Eyo robia ni mi ni ye paleko 2 number Airtel Money dria ri;

15.1.3 Eyo dezu mi ni ye mi number Airtel Money ma dria ri ma oduko.

15.1.4 Oduko mi ni robia ayuzu mi number Airtel Money dri ma dria odu akapi bo ria ri;

15.1.5 Oduko robia ayuzu mi number Airtel Money ni ri ma dria odu alua ri;

15.1.6 Oduko robia ayuzu mi numba Airtel Money dria mba aga pi bo ri ma dria ri.

15.2 eyo dii ma odu nga ni ofu karatasi dria ku, te mi eco esu sms si kaniku mi email si mi ni leri si.

16. 16. MASINI KANIKU AFA AZI DRI KA AZI NGA KU. 18

Anga ni asara azi du ku, afa mi ni azi nga zu dii ka azi nga ku kaniku Airtel Money, MNO Network, simu ka azi ma okpo esi vile ru, eri eyo azi ama ni le ama ii ni ku.

17. EYO NDI NDIA RU LE BA AZI MA NI KU DII MA TA MBAZA.

17.1 Le ba dria ma ati eyo azita ndi ndia ru dii ma ta mba zu, eyo dria emi ni ati ma ovu ndi ndia ru di, le emi ma mba tani emi ni azi nga ria, emi ayu eri azi nga zu mba azi ni nikoko ru azita vu si.

17.2 Mi ati ra AMC Uganda ni oduko mi ni robia ayu zu mi number Airtel Money ma dria dii ba azita ma vuti obipi dia police, court le, ero ambu Uganda dri le, amuti eyo njeza ma eyo ne pi ri le, amuti ofi pi eyo ndua ri le azi ni eyo robia ayu za ni ri one pi rile dii dri mi anzi nga za ma pa vu one zu geriko Airtel Money Si, AMC Uganda ni nga geriko mi ni number ayuzu ri ma oduko fe, mi ni eyima afa azi ngazu dii dri pie azita ma vu ti obizu do lu alu azita dii ma azi ojaru sawa azi si bo ka.

17.3 Ma ati ra geriko courtia si, kaniku azita vu si, mi ebi azi aromu ru, ogu ru ni nga, AMC Uganda ni nga azi ta vu si robia mi vu ri fe eyo onzi mi ni ede da ma eyo dezu azita ni lele ri le.

17.4 AMC Uganda ni nga geriko onzi mi ni mi number Airtel Money dri ayuzu dii edri amuti omve Financial Intelligence Authority (FIA) dri kaniku ba azita ni dii dri.

17.5 Mi ati ra AMC Uganda ni nga oduko mi ni robia ayu zu dii ma tamba ogogo eli 10 di pi kaniku azita ni le ri si.

18. OKPO AZI DRI.

Ama nga robia mi ni ba amavu kala si ri enje ayu azita dia ri ni le ri le eka mi ni edu azi nga zu ama pie ri eka ti ovi vile dia mi ni ba ri le ku.

19. EYO ONZI RI OTU ZA.

19.1 Azita dii, ayota kari Uganda dri vu si.

19.2 Ba eri (2) dii nga ri va tu alu ru eyo ederu pi azi ngaria azita dii vu si ri otu zu. 19

19.3 Ba nga sadini ayu, eyo dria efu pi kalasi onzi fepi bazi ri ni ovu zu ayiko si ku geriko azita di ma vu ti obizu ria si ri ka nda odu ti, eyi nga ba azi alu ni pe eyi ma aza kozu odu 30 ma aliea edozu sawa eyo deri ni ederuzu ri si. Kaniku ba eyo dini le dii otu pi dii ba nga ayu ii.

19.4 Eyo eri za azi ni otuza di ni nga pari duKampala azi eyo oduza ni numba 4 ayota kari Uganda dri vu si.

19.5 Ayota ni le ri le, eyo eriza azini otu di ni nga eyo dria ederu pi dii ma ti de.

20. WORO

20.1 Mi nga asara dria ama ni ye ama robia mi vu esu zu ri ofe, ekile oya court dri le, acipa eyo azi di pie.

20.2 Ama ejo ni nga asara azi nga mi dri eyo azi ederu pi afa ma ezaruta si, kaniku asara mi ni esu ama ni kaniku ba azi nga pi ama pie dii ni afa azi oli ri si ku.

20.3 Le mi ma fe oduko ama dri mbeliea eka SIM Card mi ni MNO dri oja ria.

20.4 Mi ati ra, oduko dria mi dria, Airtel Money ma dria, oyoa ba azi nga pi ama pie dii ma dria dii ama nga dria osi, ta ni mba ci eli 10 di pi edo zu sawa dezu mi ni numba ayuzu ri si kaniku mi numba opizu ri si ayo ta nib a ri le.

20.5 Afa dria e’daru azi ni masini ru Airtel Money ma ru si dii ama ni, le mi atira ovu ni mi ni ku.

20.6 Ama nga oduko edri mi dri sms si mi simu numba ofi ama form dria ri si.

20.7 Oduko dria, ayo ta si, ri eyi nga edri ama dri geriko di si, kaniku geriko azi aka ega muke sawa azi ma aliea r aria: The Managing Director, Airtel Mobile Commerce Uganda Limited, Airtel Towers, Plot 16A Clement Hill Road, P. O. Box 6771, Kampala, Uganda.

20.8 Eyo dria ye, esu dia dii geriko azita ama ni esu okpo fe pi ama dri azi nga zu ri vu si engazu ero ambu Uganda dri vu,amu ti azi ma eyo onepi dii vu azi ni ayota kari dri vu. Eyo azi dia ni ka eca apizu ku, efikoko ru azita ama azi dri vu si kaniku ayota vu si, fe ani mi ede eyo azi fe pi eyi ni nezu kini ayo aziti ama ni azi nga zu dii ma azi, ama nga ayota du asara du ri obizu kaniku mi azi nga za opi azita vu si, de lu ede eyo di ama koko ru ka. 20

20.9 Eyo ama ni kaniku mi ni yeku kaniku ye vile ru azia ri nga ni ovu ezata ru ku. kanivi ni azi nga sawa azia dii adri ngaza ru weria kaniku woro ku.

20.10 Azi mi ni kaniku ama ni ayota azi nga zu ri vu si ri nga ni ovu ezata azi ambu ni ku. Efi ni nga adri ama ayi ama ezata, anyo ayota asara du zu ra di ni ku.

20.11 Dri wala azi nga zu dia, eyo azi ba ni eco yeku kaniku ye ra di ci te ayo ta ba ni eyi ku.

20.12 Mi nga asara court ni, acipa pie dria ama ni nga ama robia mi vu ri draria ri du.

20.13 Mi ma tamba zu, le mi ma mba afa dria mi ni ayu azinga zu dia number ndi ndia ru di le dii ma ta. Number mi ni ama ni fe ayu ri nga ovu ama ni sawa dria si.

20.14 Azita si, Afa dria mi ni ayu azi nga zu di ama ni kaniku ba eyi fepi dii ni, eyi fe ayu mi dri azi ama dri nga zu ayota ni le ri vu si.

20.15 Ama eco ni oduko mi ni azi nga zu ri ofu ku, do lu mi si ama dri waraga kaniku mi ofe oya azi bo ka ama ye ndo. Ada ni si ama ofu azi nga ri ma oduko ku.

20.16 Ba azi kaniku court ka esu azita ama ni azi ngazu ri ma azi ovu ni muke ku, nga ni azita azi dii oja ku aka ni ku fe ama ni azita asi di ayu zu ku. Azita azi eri ni bi ku dii nga azi nga muzu drile.

20.17 Oduko azi ama ni ega ama edri mi dri sawa ciria geriko azi nga zu ri ma dria, oya ofe za ma dria kaniku tujari oyuza ma dria dii ama nga edri mi dri geriko karatasi eyo osizu ri ma dria si, sms si, ama Website kaniku geriko azi ama ni ega muke mi eco eri esu ani ra ri si, ka te dro mi bi bi ku,

20.18 Dri tiza di sopa azi di ma paria dria, ba 2 dii ni ebi ati bo azi nga zu tu alu ru ri le kaniku Airtel Money ri le. Ayo number 13 ri le, oja ta dri tiza dii ma dria di nga azi nga desi lu si eri odi ba eri dii ti dri dri nia r aka.

20.19 desi du lu si eri dri ti za di ma dria raka, ka adriku eyo azi dii baa da ejo ni aniku kaniku ejo ye ra te ayo ta ba nieri ku, ani AMC Uganda ka sawa azi ni si nga dritiza ma aliea ri le ku ofu ni azita te nga ni ku azi ku kaniku ayu ni eri sawa azia ku di ni ku. 21

20.20 Ba azi kaniku court ka esu azita ama ni azi ngazu ri ma azi ovu ni muke ku, nga ni azita azi dii oja ku aka ni ku fe ama ni azita asi di ayu zu ku. Azita azi eri ni bi ku dii nga azi nga muzu drile.

21 TA MBA ZA AZI NI EYO MI NI RU.

21.1. AMC Uganda ni eyo/oduko dria ba Airtel Money ayu pi dii niri ma ta mba za ma dria ra. Di eri ece zu ama enji okpo oduko mi ni ri ta mba zu ri ra.

21.2. Airtel ni kaniku geriko MNO vu si, eri ma azi ba vu si, oduko mi ni fe azi nga zu airtel be ria si eyo mi dria ri oni, mi numba airtel money dri ma ta mbuzu azi out zu le mi ma fe oduko azi enjo ru ni ku. Le mi ma obi azita ofeta ni eli , 2020, dri azi ni robia oguza ni eli 2013 dri, amuti omve Uganda Communications Commission ru dri eli, 2013 dri , ayo ru ofiza dri eli 2010 dri anzi tamba ni eli 2019 dri azita azi dii pie.

21.3. Ta mbaza si, AMC Uganda nga ni oduko mi dria ri fe ayuza ru kaniku neza ru ba azi nidri ku. Eyo mi dria dii nga ovu mi ni ru.

21.4. Mi ati ra geriko mi ni airtel money ayuzu ri si, oduko mi dria di ma azi eyi nga ca agu mi ni robia elo ku di esuzu kaniku edrizu eri vu ri dri ra. Ba 3 zu re dia AMC Uganda le, MNO mi dri simu SIM Card fe pi rile le, ba azi nga pi Airtel Money dria di le, Airtel Money Agents le, Airtel Money Pay Merchants le, ero eciru pi Airtel Money pie di le, amuti robia edri zu wudriku rua li le dii eco nga oduko di esu ne geriko mi ni eyi ayu zu ri si. geriko AMC Uganda vu si eco fi ni azi azita kari dri ni ofi ni ku dii nje ra.

21.5. Mi ati ra AMC Uganda ni nga oduko mi ni feria da ri onda geriko obivu si kaniku amuti government di vu si eyo ada ri ni.

21.6. Mi ati ra AMC Uganda ni nga geriko mi nimi numba ayu zu ri one azi ni eri nga fe ba azita ma azi nga pi di dri eyo ara mu ru, aramu ru, oya ofeza ako le, kaniku ogu ru dii adri zu eyo azi azita ni le ku di pie.

21.7 Mi ati ra kini oduko mi ni fe mi dria amadri di eri ada, mi nga ama dri odi ni fe eka oja ta azi ye mi ma ru ma dria r aria.

21.8 Mi ati ra ama ni oduko mi dria ri o’ne zu, geriko mi ni mi number ayuzu ri pie enga zu ama MNO-a, mi ni mi SIM Card ofi zu Airtel Money ni ria. 22

21.9 Mi ati ama ni oduko mi dria amvele ru kaniku Uganda ri dra zu, ayu zu mi ofi zu azi ama ni nga tujari AMC Uganda ri ni azi ni geriko ci ayota karu Uganda dri ni le ra ri le.

21.10 Ba azi nga pi AMC Uganda be oduko obi ma dria di one pi di azita ma vu ti obi oduko di fez u ba azi dri ku. AMC Uganda ma azi ba eyi oduko di ma ta mba Ni. AMC Uganda ma azi ba Ayo ta di nyo pi dii pa zo Ayo ndu ndu ma dri liea.

21.11 Agu oduko edri pi AMC Uganda dri geriko Airtel Money si ri eco oduko di esu ra. AMC Uganda eji geriko azi mi ejo zu oduko mi dria ri nezu azi ni otuzu ni bo.

Le mima ni ra azita azi ni ayota Airtel Money ni azi nga zu dii osi karatasi ma ngu kua. Mi esu Airtel Money Agents vu, pa ri Airtel ma azi nga zu dia, azi ni Airtel website-a mi esu www.airtel.co.ug/termCondition.