This online platform is operated by Kollekta Africa Limited. Throughout the platform, the terms “we”, “us” and “our” refer to Kollekta Africa Limited.

Kollekta Africa Limited offers this platform, including all information, tools and services available from this platform to you, the user, conditioned upon your acceptance of all terms, conditions, policies and notices stated here.

By visiting our online platforms and/ or purchasing a service from us, you engage in our “Service” and agree to be bound by the following terms and conditions (“Terms of Service”, “Terms”), including those additional terms and conditions and policies referenced herein and/or available by hyperlink. These Terms of Service apply to all users of the platforms, including without limitation users who are browsers, vendors, customers, merchants, and/ or contributors of content.

Please read these Terms of Service carefully before accessing or using our online platforms. By accessing or using any part of the online platform, you agree to be bound by these Terms of Service. If you do not agree to all the terms and conditions of this agreement, then you may not access the online platforms or use any services. If these Terms of Service are considered an offer, acceptance is expressly limited to these Terms of Service.

Any new features or tools which are added to the current platforms shall also be subject to the Terms of Service. You can review the most current version of the Terms of Service at any time on this page. We reserve the right to update, change or replace any part of these Terms of Service by posting updates and/or changes to our online platforms. It is your responsibility to check this page periodically for changes. Your continued use of or access to the online platforms following the posting of any changes constitutes acceptance of those changes.

Our platform is hosted with various service providers. They provide us with the online e-commerce platforms that allows us to sell our products and services to you.

 Data Protection

• Ensure that you are compliant with data protection regulations in your country before using the Kollekta Platforms.
• Kollekta provides features to help you manage and protect sensitive data.

By agreeing to these Terms of Service, you represent that you are at least the age of majority in your state or province of residence, or that you are the age of majority in your state or province of residence and you have given us your consent to allow any of your minor dependents to use this site.

You may not use our products for any illegal or unauthorized purpose nor may you, in the use of the Service, violate any laws in your jurisdiction (including but not limited to copyright laws).

You must not transmit any worms or viruses or any code of a destructive nature.

A breach or violation of any of the Terms will result in an immediate termination of your Services.

We reserve the right to refuse service to anyone for any reason at any time.
You understand that your content (not including credit card information), may be transferred unencrypted and involve (a) transmissions over various networks; and (b) changes to conform and adapt to technical requirements of connecting networks or devices. Credit card information is always encrypted during transfer over networks.

You agree not to reproduce, duplicate, copy, sell, resell or exploit any portion of the Service, use of the Service, or access to the Service or any contact on the online platforms through which the service is provided, without express written permission by us.

The headings used in this agreement are included for convenience only and will not limit or otherwise affect these Terms.

Kollekta Africa, trading under the name KOLLEKTA is a private limited company registered in a few African states in Eastern Africa and is soon to expand its footprint in the Sub-Saharan Africa. The KOLLEKTA Platforms, products, logos and brands are Copyright and registered Trade Mark of Kollekta Africa, replication of KOLLEKTA platforms and products is strictly unauthorized without our written consent.

We are not responsible if information made available on this site is not accurate, complete or current.

The material on this site is provided for general information only and should not be relied upon or used as the sole basis for making decisions without consulting primary, more accurate, more complete or more timely sources of information. Any reliance on the material on this site is at your own risk.

This site may contain certain historical information. Historical information, necessarily, is not current and is provided for your reference only. We reserve the right to modify the contents of this site at any time, but we have no obligation to update any information on our site.

You agree that it is your responsibility to monitor changes to our site.

Prices for our products are subject to change without notice.

We reserve the right at any time to modify or discontinue the Service (or any part or content thereof) without notice at any time.

We shall not be liable to you or to any third-party for any modification, price change, suspension or discontinuance of the Service.

Certain products or services may be available exclusively online through the website or Mobile Applications. These products or services may have limited quantities and are subject to return or exchange only according to our Return Policy.

We have made every effort to display as accurately as possible the colours and images of our products that appear on our platforms. We cannot guarantee that your computer monitor’s display of any colour will be accurate.

We reserve the right, but are not obligated, to limit the sales of our products or Services to any person, geographic region or jurisdiction.

We may exercise this right on a case-by-case basis. We reserve the right to limit the quantities of any products or services that we offer.

All descriptions of products or product pricing are subject to change at any time without notice, at the sole discretion of us.

We reserve the right to discontinue any product at any time. Any offer for any product or service made on this site is void where prohibited.

We do not warrant that the quality of any products, services, information, or other material purchased or obtained by you will meet your expectations, or that any errors in the Service will be corrected.

Product and Service Listing

1. Introduction

These Vendor Terms and Conditions (“Terms”) govern the relationship between you (“Vendor”) and Kollekta Africa Limited (“Kollekta”, “we”, “us”, or “our”) when listing and selling products or services on the Kollekta platform (the “Platform”). By registering and listing products and services on the Platform, you agree to be bound by these Terms, including any additional guidelines and policies referenced herein.

2. Product, Service Listing and Affiliation Program

2.1 Automatic Enrollment

All products and services listed by the Vendor on the Platform are by default eligible for Kollekta’s Affiliate Marketing Program (“Affiliate Program”), which allows third-party affiliates to promote and earn commission on Vendor products.

2.2 Right to Refuse Participation

Vendors may exclude specific products from the Affiliate Program at the time of listing by explicitly indicating their wish to opt out in the product submission form. Kollekta will respect such exclusions if properly communicated at the time of listing.

2.3 Changes Post-Listing

Any subsequent request to exclude a product from the Affiliate Program after it has been listed must be submitted in writing and may take more than 7 business days to process. Kollekta reserves the right to deny or delay such changes at its discretion if promotional agreements are already in place.

3. Vendor Responsibilities

3.1 Accuracy of Listings

The Vendor is solely responsible for ensuring that all product descriptions, prices, images, and other listing details are accurate, truthful, and comply with applicable laws.

3.2 Product Quality and Fulfilment

The Vendor guarantees that all products listed are of merchantable quality, free from defects, and will be fulfilled in a timely manner. Kollekta reserves the right to delist products and services that receive excessive complaints or are found to violate consumer protection regulations.

4. Payment Terms

4.1 Payment Schedule

Kollekta will remit payments to Vendors for completed and confirmed customer orders, less transfer fees, commissions, and withholding taxes (if applicable). Payments shall be made on a [weekly/bi-weekly/monthly]* basis to the Vendor’s designated bank or mobile money account.

4.2 Deductions and Adjustments

Kollekta reserves the right to deduct any applicable platform fees, affiliate commissions, marketing costs, refunds, chargebacks, or penalties before remitting the net payable amount to the Vendor.

4.3 Delayed Payments

Kollekta shall not be liable for any delays in payment caused by incomplete vendor information, compliance verification, bank delays, or force majeure events. Vendors are responsible for ensuring that their payment information is accurate and up to date.

4.4 Disputed Transactions

If a transaction is disputed by a customer or affiliate, Kollekta may withhold payment for that transaction until the matter is resolved. Vendors agree to cooperate in resolving disputes in good faith.

*Default payment frequency can be defined in the vendor onboarding process or contract.

5. Tax Compliance and Withholding

5.1 Vendor’s Tax Obligations

The Vendor acknowledges and agrees that it is solely responsible for determining, collecting, reporting, and remitting all taxes (including VAT, sales tax, income tax, and customs duties) required under applicable laws in connection with the sale of its products or services on the Platform.

5.2 Kollekta’s Right to Withhold Taxes

Kollekta reserves the right to withhold taxes, levies, or statutory deductions from any payments due to the Vendor and remit such amounts directly to the relevant revenue authorities in compliance with applicable tax laws.

5.3 Submission of Tax Certificates

Kollekta may request valid Tax Identification Numbers (TIN), tax clearance certificates, or any other documentation necessary to verify the Vendor’s tax compliance. The Vendor agrees to promptly provide such documentation when requested.

6. Shipment and Inventory Management

6.1 Inventory Accuracy

The Vendor shall ensure that inventory levels displayed on the Platform are accurate and updated in real-time. Listing out-of-stock items or failing to update inventory levels promptly may lead to order cancellations, penalties such as special discounts to affected clients, or account suspension.

6.2 Order Fulfilment

Vendors must process and ship customer orders within the timelines specified in their product listings. Delays in shipment without prior notice to Kollekta or the customer may result in order cancellation and negative performance ratings.

6.3 Shipping Methods and Logistics

Unless otherwise agreed, the Vendor is responsible for selecting reliable shipping methods and ensuring that products are delivered in good condition. Kollekta may offer logistics support or recommend preferred shipping partners, but is not liable for any delivery failures caused by third parties.

6.4 Proof of Delivery

Vendors are required to obtain and provide proof of delivery, including delivery confirmation signatures or system-generated confirmations, as may be required for verification and payment release. Kollekta will provide a delivery fulfilment application for smooth control.

6.5 Returns and Reverse Logistics

The Vendor agrees to accept and process returns in accordance with Kollekta’s Return Policy and shall bear the cost of return shipping where the product was defective, misrepresented, or unfulfilled. Kollekta may facilitate return logistics on behalf of the Vendor.

7. Intellectual Property and Compliance

7.1 Ownership and Licensing

The Vendor warrants that it holds all intellectual property rights or necessary licenses to the content and products it lists. The Vendor grants Kollekta a non-exclusive, royalty-free license to use, display, and promote its content and products on the Platform and through affiliate and marketing channels.

7.2 Prohibited Products

The Vendor shall not list any products that are illegal, counterfeit, infringe intellectual property rights, or violate any Kollekta policy, local or international law.

8. Suspension and Termination

Kollekta reserves the right to suspend or terminate a Vendor’s access to the Platform without prior notice for breach of these Terms, unlawful conduct, or reputational harm to the Platform or its users.

9. Limitation of Liability

Kollekta shall not be liable for any direct, indirect, incidental, or consequential damages, including loss of profits, arising from the use of the Platform, Affiliate Program, or any delays in listing, delisting, shipping, or product promotion activities.

8. Governing Law and Dispute Resolution

These Terms shall be governed by the laws of the United Republic of Tanzania  (or applicable jurisdiction in which Kollekta operates). Disputes shall be resolved through good faith negotiations, and if unresolved, referred to arbitration in accordance with the Arbitration Act of the applicable jurisdiction.

9. Amendments and Updates

Kollekta reserves the right to modify or update these Terms at any time. Continued use of the Platform by the Vendor constitutes acceptance of any such changes.

10. Contact

For any queries or requests regarding these Terms, please contact us at:

Email: inquiry@kollektaafrica.com

Effective Date: May 2nd, 2025

Platform Name: Kollekta (“the Platform”)

This Affiliate Program Agreement (“Agreement”) is entered into by and between Kollekta Africa Limited, a company incorporated under the laws of Tanzania, with its principal office at 172 Chwaku Street, Regent Business Park, Mikocheni A, Dar es Salaam (“Company”, “we”, “our”, or “us”), and the individual or entity registering as an affiliate (“Affiliate”, “you”, or “your”).

By registering as an Affiliate, you agree to comply with and be bound by the terms of this Agreement.

1. Definitions

• Affiliate: An individual or entity approved by the Company to promote and market products available on the Platform and earn commissions for qualified sales.
• Vendor: A third-party seller listing products or services for sale on the Platform.
• Customer: A user who purchases products or services on the Platform through an Affiliate’s promotional effort.
• Commission: The percentage of the sale amount that the Affiliate earns for each valid and completed sale referred through their unique affiliate link.
• Qualified Sale: A sale that meets all criteria specified in this Agreement including, but not limited to, non-refunded, non-cancelled, and completed purchases.

2. Eligibility and Registration
   • You must be at least 18 years old and capable of forming legally binding contracts under applicable law.
   • You must provide accurate, complete, and up-to-date registration information. Any misrepresentation may lead to suspension or termination of your account.
   • We reserve the right to approve or reject any application at our sole discretion without providing a reason.

3. Affiliate Obligations

• You agree to promote products ethically and responsibly without making false claims, deceptive advertising, or violating applicable laws.
• You must not misrepresent your relationship with the Company or imply that you are an employee, agent, or partner of the Company.
• You must not use spam, unsolicited messages, or misleading content to generate referrals.
• You may not bid on the Company’s branded keywords or domain names in search engine marketing.
• You are responsible for the security and usage of your affiliate links and must report any unauthorized use immediately.

4. Commission and Payment

• Affiliates shall earn commissions for each Qualified Sale referred using their unique affiliate link.
• Commission rates vary by product and may be adjusted at the discretion of the Company. Current rates will be made available in the Affiliate Dashboard.
• Commissions will be disbursed on a weekly or monthly basis, depending on the Affiliate’s selected payout preference, net of any applicable transfer or processing fees.
• Payments will only be made once the Affiliate has reached a minimum threshold of 1,000 completed transactions. All commissions are subject to a 7-day holding period following each transaction to accommodate potential returns, cancellations, or disputes.
• Payments shall be made via bank transfer or mobile money and Affiliates are responsible for providing accurate payment details.
• The Company may withhold or offset commissions in cases of fraud, policy violations, chargebacks, refunded transactions or as may be required by law.

5. Taxes

• You are responsible for determining and paying any and all taxes, levies, duties, or similar governmental assessments associated with your participation in the Affiliate Program.
• We may withhold and submit taxes or fees as required by applicable laws and regulations. Additionally, we may request valid tax identification documents or other relevant information from the Affiliate to ensure compliance with statutory and regulatory obligations.

6. Prohibited Activities

Affiliates must not engage in any of the following prohibited activities:

• Cookie stuffing or any other form of click fraud intended to manipulate commission tracking.
• Using bots, scripts, automated tools, or fake accounts to generate traffic or simulate user engagement.
• Promoting affiliate links on websites that contain illegal, adult, hateful, or violent content.
• Impersonating the Company or its Vendors, including creating misleading branding or messaging.
• Using the Company’s or Vendors’ brand names, logos, or other intellectual property without prior written permission.
• Engaging in fraudulent behavior, spreading misinformation, or misleading customers about the nature of the products, services, or the platform itself.

7. Intellectual Property

• All content, logos, trademarks, and promotional materials provided for affiliate use remain the exclusive property of the Company or the respective Vendors. No ownership rights are transferred under this Agreement.
• Upon successful registration, you are granted a non-exclusive, non-transferable, and revocable license to use the Company’s approved promotional materials solely for the purpose of participating in this Affiliate Program, and in accordance with its terms.
• You must immediately cease all promotion of any brand, product, or service listed on the Kollekta platform within 24 hours of receiving an official written request from the Company or the respective Vendor. Failure to comply may result in termination of your affiliate status and forfeiture of commissions.

8. Confidentiality

You agree to keep all information related to your affiliate relationship, including but not limited to commission rates, business practices, and performance metrics, confidential and not to disclose it to any third party without the Company’s written consent.

9. Termination

• Either party may terminate this Agreement at any time, with or without cause, by providing written notice.
• The Company reserves the right to terminate immediately and without notice in the event of a breach of this Agreement.
• Upon termination of this Agreement:
• You must immediately remove all affiliate links and cease use of any Company or Vendor promotional materials.
• Any pending commissions will be reviewed and processed in accordance with the terms of this Agreement, subject to applicable holding periods and return/cancellation policies.
• In cases of breach of this Agreement, the Company reserves the right to withhold or forfeit unpaid commissions.

10. Limitation of Liability

To the maximum extent permitted by applicable law, the Company shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, revenue, business opportunities, goodwill, or data, arising out of or related to this Agreement or your participation in the Affiliate Program, regardless of the cause of action and even if the Company has been advised of the possibility of such damages.

11. Indemnification

You agree to indemnify, defend, and hold harmless the Company, its affiliates, subsidiaries, officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or related to:
(a) your participation in the Affiliate Program;
(b) any breach or alleged breach of this Agreement; or
(c) any violation of applicable laws, regulations, or third-party rights committed by you.

12. Modifications

We reserve the right to modify any terms of this Agreement at any time. Updates will be posted on the Platform or emailed to you. Continued participation after modifications constitutes your acceptance of the new terms.

13. Governing Law

This Agreement shall be governed by and construed in accordance with the laws of the United Republic of Tanzania, without regard to its conflict of law principles. Any disputes, claims, or proceedings arising out of or relating to this Agreement shall be subject to the exclusive jurisdiction of the competent courts of Tanzania.

14. Miscellaneous

• Entire Agreement: This document constitutes the entire agreement between the parties.
• No Waiver: The Company’s failure to enforce any provision shall not constitute a waiver.
• Severability: If any provision is found invalid, the remaining provisions shall remain in full force and effect.

By registering as an Affiliate, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.

Certain products, like the asset financing available on Kollekta platforms will be offered to the consumer on credit, through a partnership with Banks and other Financial institutions.

The repayment periods for the credit facility extended to the consumer by the financial partner, will be provided to the consumer during the application process for selection, the consumer agrees to comply with the repayment dates and prescribed term without default.

In case of default, Kollekta Africa will implement, within a period of 30 days, recovery measures including, legal and repossession of the asset.

In case of default, the Financial partner may terminate this contract and consider it due and immediately demand the full settlement of the outstanding balance including taxes and all applicable charges due.

All arrears charges will continue to accrue interest until the debt is fully settled.

The Consumer acknowledges and agrees that, in the event the Financial partner opts to seek for legal action for failing to honour your loan obligation, the Financial partner will assign a Lawyer or any other Legal entity, including Debt Recovery Agents or Brokers to assist recovering the total outstanding balance including all legal costs, collection commissions and any other costs incurred during this process.

For the asset financing products, Kollekta Africa has been assigned to recover the debt on behalf on the Financial partners.

Payments will be made by way of a direct deduction from your e-wallet through interfaced solution, however, Kollekta has the mandate to collect any unpaid amount by e-wallet direct debit, standing order, and electronic bank transfer or by direct deposit of cash or cheque in accordance with the applicable laws in the country where the facility was obtained.

The funds will be debited from the consumer account and credited to the financial partner’s account to liquidate the debt.

We reserve the right to refuse any order you place with us.

We may, in our sole discretion, limit or cancel quantities purchased per person, per household or per order.

These restrictions may include orders placed by or under the same customer account, the same credit card, and/or orders that use the same billing and/or shipping address.

In the event that we make a change to or cancel an order, we may attempt to notify you by contacting the e-mail and/or billing address/phone number provided at the time the order was made.

We reserve the right to limit or prohibit orders that, in our sole judgment, appear to be placed by dealers, resellers or distributors.

You agree to provide current, complete and accurate purchase and account information for all purchases made on the platforms.

You agree to promptly update your account and other information, including your email address and credit card numbers and expiration dates, so that we can complete your transactions and contact you as needed.

For more detail, please review our Return Policy.

We may provide you with access to third-party tools over which we neither monitor nor have any control nor input. You acknowledge and agree that we provide access to such tools ”as is” and “as available” without any warranties, representations or conditions of any kind and without any endorsement. We shall have no liability whatsoever arising from or relating to your use of optional third-party tools.

Any use by you of optional tools offered through the site is entirely at your own risk and discretion and you should ensure that you are familiar with and approve of the terms on which tools are provided by the relevant third-party provider(s).

We may also, in the future, offer new services and/or features through our platforms (including, the release of new tools and resources). Such new features and/or services shall also be subject to these Terms of Service.

Certain content, products and services available via our Service may include materials from third-parties.

Third-party links on this site may direct you to third-party websites that are not affiliated with us. We are not responsible for examining or evaluating the content or accuracy and we do not warrant and will not have any liability or responsibility for any third-party materials or websites, or for any other materials, products, or services of third-parties.

We are not liable for any harm or damages related to the purchase or use of goods, services, resources, content, or any other transactions made in connection with any third-party websites.

Please review carefully the third-party’s policies and practices and make sure you understand them before you engage in any transaction. Complaints, claims, concerns, or questions regarding third-party products should be directed to the third-party.

If, at our request, you send certain specific submissions (for example contest entries) or without a request from us you send creative ideas, suggestions, proposals, plans, or other materials, whether online, by email, by postal mail, or otherwise (collectively, ‘comments’), you agree that we may, at any time, without restriction, edit, copy, publish, distribute, translate and otherwise use in any medium any comments that you forward to us. We are and shall be under no obligation (1) to maintain any comments in confidence; (2) to pay compensation for any comments; or (3) to respond to any comments.

We may, but have no obligation to, monitor, edit or remove content that we determine in our sole discretion are unlawful, offensive, threatening, libelous, defamatory, pornographic, obscene or otherwise objectionable or violates any party’s intellectual property or these Terms of Service.

You agree that your comments will not violate any right of any third-party, including copyright, trademark, privacy, personality or other personal or proprietary right. You further agree that your comments will not contain libelous or otherwise unlawful, abusive or obscene material, or contain any computer virus or other malware that could in any way affect the operation of the Service or any related online platforms.

You may not use a false e-mail address, pretend to be someone other than yourself, or otherwise mislead us or third-parties as to the origin of any comments. You are solely responsible for any comments you make and their accuracy. We take no responsibility and assume no liability for any comments posted by you or any third-party.

Your submission of personal information through our platforms is governed by our Privacy Policy.

Effective Date: 26th January 2025

Welcome to Kollekta Africa. These Terms and Conditions govern your use of our Know Your Customer (KYC) Customer Management Module (“Module”), designed to facilitate seamless access to our range of services, including E-Commerce platforms, Invoice Financing Solutions, Auction Platforms, Debt Collection Platforms, Credit Facilities, and PayLater functionality. By accessing or using any of our platforms and services, you acknowledge that you have read, understood, and agree to comply with these Terms and Conditions.

1. Introduction

This Module facilitates secure data collection and processing for services such as product and service preference analysis, financing approvals, and credit scoring. Your use of this Module is subject to compliance with applicable laws, regulations, and policies, including anti-money laundering (AML) regulations, counter-terrorism financing laws, and the identification of politically exposed persons (PEPs).

2. Data Collection and Usage

2.1 Information we Collect

By using this Module, you consent to the collection of the following types of information. While not limited to the listed categories, we may collect additional data to enhance your preferences and user experience, as well as to comply with legal and regulatory requirements.

• Personal identification details (e.g., name, address, national ID).
• Financial and transactional data (e.g., credit history, income level, payment behavior).
• Employment details and e-commerce preferences.

2.2 Purpose of Data Collection

Your data will be used for, but is not limited to, the following purposes:

• Verify your identity and eligibility for services.
• Assess creditworthiness and generate risk profiles.
• Monitor and analyze transaction behaviors to prevent fraud, money laundering, and financing of terrorism.
• Enhance user experience through personalized recommendations.

3. Anti-Money Laundering (AML) and Counter-Terrorism Financing (CTF) Policies

3.1 Compliance with Laws

We comply with all applicable AML and CTF regulations, including but not limited to:

• Verifying your identity against government and global sanction lists.
• Monitoring transactions for unusual patterns indicative of money laundering or terrorist financing.
• Reporting suspicious activities to relevant authorities as required by law.

3.2 Prohibited Activities

You agree not to use our platforms, products and services or provide misleading information through the Module to:

• Engage in money laundering, fraud, or other illegal financial activities.
• Fund or support terrorist organizations.
• Circumvent financial regulations, including the use of false or misleading information.

3.3 Reporting Suspicious Activity

We reserve the right to suspend or terminate your account if suspicious activity is detected. Any suspected violations may be reported to the appropriate authorities without prior notice.

4. Politically Exposed Persons (PEP)

4.1 Identification and Monitoring

We screen all users to identify Politically Exposed Persons (PEPs) as defined by international and local regulations.

• If you are a PEP or related to one, additional due diligence will apply.
• Your transactions and activities will be monitored more closely in accordance with regulatory requirements.

4.2 Obligations

You must disclose your PEP status when registering or updating your profile. Failure to do so may result in service restrictions or account suspension.

5. User Responsibilities

You agree to:

• Provide accurate and complete information during registration and profile updates.
• Notify us of any changes to your personal, financial, or employment details.
• Use the Module for lawful purposes only.

6. Privacy and Security

6.1 Data Protection

We implement robust security measures to protect your data from unauthorized access, misuse, or disclosure. Your information will only be shared with third parties as necessary to provide the requested services or comply with legal obligations.

6.2 User Consent

By using this Module, you consent to the processing and storage of your data in accordance with applicable privacy regulations, Kollekta Africa Privancy Policy, including international laws such as the GDPR and CCPA, as well as relevant local laws.

7. Liability

7.1 Limited Liability

We are not liable for any losses arising from your failure to comply with these Terms and Conditions, including unauthorized access to your account or fraudulent activities conducted using your information. You are responsible for ensuring that your password is strong, securely protected, and that your profile information is accurate and up to date. Additionally, you agree to promptly notify Kollekta Africa if you detect or suspect any suspicious activity on your account.

7.2 User Indemnification

You agree to indemnify and hold Kollekta Africa and its affiliates harmless from any claims, damages, liabilities, or losses arising from your misuse of the Module, including but not limited to violations of Anti-Money Laundering (AML) regulations, Counter-Terrorism Financing (CTF) laws, or other applicable legal and regulatory requirements.

8. Termination

We reserve the right to terminate or restrict your access to the Module at any time if you violate these Terms and Conditions, engage in prohibited activities, or pose a risk to our compliance with legal and regulatory requirements.

9. Governing Law and Jurisdiction

These Terms and Conditions are governed by the laws of Tanzania. Any disputes arising from your use of the Module will be resolved in the courts of Tanzania.

10. Amendments

We may update these Terms and Conditions periodically to reflect changes in our policies or applicable laws. Any updates will be communicated to you via the Module or email, and continued use of the Module constitutes acceptance of the revised Terms.

11. Contact Information

If you have questions about these Terms and Conditions or wish to report suspicious activity, contact us at:

Email: inquiry@kollektaafrica.com

Kollekta Africa Limited is committed to fostering a secure and compliant financial ecosystem. Thank you for your trust and cooperation.

Occasionally there may be information on our platforms or in the Service that contains typographical errors, inaccuracies or omissions that may relate to product descriptions, pricing, promotions, offers, product shipping charges, transit times and availability.

We reserve the right to correct any errors, inaccuracies or omissions, and to change or update information or cancel orders if any information on the Service or on any related online platforms is inaccurate at any time without prior notice (including after you have submitted your order).

We undertake no obligation to update, amend or clarify information in the Service or on any related online platforms, including without limitation, pricing information, except as required by law. No specified update or refresh date applied in the Service or on any related platforms should be taken to indicate that all information in the Service or on any related platforms has been modified or updated.

In addition to other prohibitions as set forth in the Terms of Service, you are prohibited from using the site or its content: (a) for any unlawful purpose; (b) to solicit others to perform or participate in any unlawful acts; (c) to violate any international, federal, provincial or state regulations, rules, laws, or local ordinances; (d) to infringe upon or violate our intellectual property rights or the intellectual property rights of others; (e) to harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability; (f) to submit false or misleading information; (g) to upload or transmit viruses or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of the Service or of any related online platforms, other websites, or the Internet; (h) to collect or track the personal information of others; (i) to spam, phish, pharm, pretext, spider, crawl, or scrape; (j) for any obscene or immoral purpose; or (k) to interfere with or circumvent the security features of the Service or any related platforms, other websites, or the Internet.

We reserve the right to terminate your use of the Service or any related platforms for violating any of the prohibited uses.

We do not guarantee, represent or warrant that your use of our service will be uninterrupted, timely, secure or error-free.

We do not warrant that the results that may be obtained from the use of the service will be accurate or reliable.

You agree that from time to time we may remove the service for indefinite periods of time or cancel the service at any time, without notice to you.

You expressly agree that your use of, or inability to use, the service is at your sole risk. The service and all products and services delivered to you through the service are (except as expressly stated by us) provided ‘as is’ and ‘as available’ for your use, without any representation, warranties or conditions of any kind, either express or implied, including all implied warranties or conditions of merchantability, merchantable quality, fitness for a particular purpose, durability, title, and non-infringement.

In no case shall Kollekta Africa, our directors, officers, employees, affiliates, agents, contractors, interns, suppliers, service providers or licensors be liable for any injury, loss, claim, or any direct, indirect, incidental, punitive, special, or consequential damages of any kind, including, without limitation lost profits, lost revenue, lost savings, loss of data, replacement costs, or any similar damages, whether based in contract, tort (including negligence), strict liability or otherwise, arising from your use of any of the service or any products procured using the service, or for any other claim related in any way to your use of the service or any product, including, but not limited to, any errors or omissions in any content, or any loss or damage of any kind incurred as a result of the use of the service or any content (or product) posted, transmitted, or otherwise made available via the service, even if advised of their possibility. Because some states or jurisdictions do not allow the exclusion or the limitation of liability for consequential or incidental damages, in such states or jurisdictions, our liability shall be limited to the maximum extent permitted by law.

You agree to indemnify, defend and hold harmless Kollekta Africa and our parent, subsidiaries, affiliates, partners, officers, directors, agents, contractors, licensors, service providers, subcontractors, suppliers, interns and employees, harmless from any claim or demand, including reasonable attorneys’ fees, made by any third-party due to or arising out of your breach of these Terms of Service or the documents they incorporate by reference, or your violation of any law or the rights of a third-party.

In the event that any provision of these Terms of Service is determined to be unlawful, void or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed to be severed from these Terms of Service, such determination shall not affect the validity and enforceability of any other remaining provisions.

The obligations and liabilities of the parties incurred prior to the termination date shall survive the termination of this agreement for all purposes.

If in our sole judgment you fail, or we suspect that you have failed, to comply with any term or provision of these Terms of Service, we also may terminate this agreement at any time without notice and you will remain liable for all amounts due up to and including the date of termination; and/or accordingly may deny you access to our Services (or any part thereof).

These Terms of Service are effective unless and until terminated by either you or us.

You may terminate these Terms of Service at any time by notifying us that you no longer wish to use our Services, or when you cease using our site.

The failure of us to exercise or enforce any right or provision of these Terms of Service shall not constitute a waiver of such right or provision.

These Terms of Service and any policies or operating rules posted by us on our platforms or in respect to the Service constitutes the entire agreement and understanding between you and us and govern your use of the Service, superseding any prior or contemporaneous agreements, communications and proposals, whether oral or written, between you and us (including, but not limited to, any prior versions of the Terms of Service).

Any ambiguities in the interpretation of these Terms of Service shall not be construed against the drafting party.

These Terms of Service and any separate agreements whereby we provide you Services shall be governed by and construed in accordance with the laws of United Republic of Tanzania or any other jurisdiction that we may operate from.

Questions about the Terms of Service should be sent to us at inquiry@kollektaafrica.com.

You can review the most current version of the Terms of Service at any time on our platforms.

We reserve the right, at our sole discretion, to update, change or replace any part of these Terms of Service by posting updates and changes to our online platforms.

It is your responsibility to check our online platforms periodically for changes.

Your continued use of or access to our online platforms or the Service following the posting of any changes to these Terms of Service constitutes acceptance of those changes.

By accessing our online platforms, you authorize KOLLEKTA to use electronic communications and you acknowledge and agree that you are aware of and understand the risks relating to the use of telex, fax, email, SMS or any other mode of electronic communication (“Electronic Communication”).

Your authorization includes:

1. That you allow us to accept and act upon instructions or communications given by or on your behalf if such instructions or communications are in writing, and or by Electronic Communication.
2. That you allow us to correspond with you or your clients via Electronic Communication and this will include but not be limited to the issuing of statements, reminders, notifications and general correspondence, based on the services and products acquired from Kollekta Africa Limited.
3. That we will perform our obligations with reasonable care and in good faith and in accordance with the standards and practices as set by the country laws and your institution in general.

Kollekta Africa Limited will not be held liable if the contact information you have provided us is not accurate, and information pertaining to your client’s data information furnished to us are inaccurate, it is your responsibility to ensure Kollekta Africa Limited has your accurate and most updated contacts and client data information.