Introduction

These Terms and Conditions ("Terms") govern your access to and use of the Kuwa pay services owned and operated by A2Z Payment Solution Limited (referred to as "Kuwa pay", "we", "our", or "us"). By using any of Kuwa pay's services, including all pages on the Kuwa pay website, mobile applications, and related products (collectively the "Services"), you accept all the terms and conditions contained herein. If you do not agree to any of the terms in these Terms, you must not use our Services.

Company Information

Kuwa pay operates as a trade name of A2Z Payment Solutions Limited, a private limited company registered in Tanzania. Our registered office is located in Hong Kong. 1402 AT Morocco Square Office Tower II, Plot 1-3 Mwai Kibaki Road and 44 Ursino Street, Regent Estate, Kinondoni District, Dar es Salaam.

Governing Language

These Terms are governed by and construed in English, and all communications between you and Kuwa pay shall be conducted in English.

Eligibility to Use Our Services

You must be at least 18 years of age and have the legal capacity to enter into a binding contract with Kuwa pay to use our Services. Using our Services on behalf of any organization confirms that you have the authority to bind that organization to these Terms.

Intellectual Property

Kuwa pay and its licensors retain all intellectual property rights in the materials and content on this website and our Services, including but not limited to text, graphics, software, and logos. You are granted a limited, non-exclusive license to use our website and Services to the extent permitted by these Terms. Any unauthorized use, such as copying, modifying, or distributing Kuwa pay's intellectual property, is prohibited.

License to Use Our Website

We grant you a non-transferable, non-exclusive license to use our Services in accordance with these Terms. This license is revocable, and all rights not expressly granted in these Terms are reserved. You must not attempt to gain unauthorized access to our systems, data, or any proprietary technology.

Information Security and Warranty Disclaimer

Kuwa pay is committed to providing reliable and secure services; however, we do not guarantee that our Services will be uninterrupted or error-free. All materials and services are provided "as is" without any express or implied warranties. Kuwa pay disclaims all warranties, including any warranties of merchantability, fitness for a particular purpose, or non-infringement. Users assume full responsibility for any damages arising from the use of our Services.

Limitation of Liability

To the maximum extent permitted by Tanzanian law, Kuwa pay shall not be liable for any damages arising from your use of the Services. This includes but is not limited to direct, indirect, incidental, punitive, and consequential damages, as well as any damages resulting from data loss, system errors, or business interruption.

Indemnification

You agree to indemnify and hold harmless Kuwa pay, its affiliates, and employees from any claims, damages, or liabilities arising from your breach of these Terms or misuse of the Services. This includes any losses related to infringement of intellectual property rights or third-party rights.

Data Privacy and Protection

We take data privacy very seriously and are committed to protecting your personal information. Kuwa pay complies with all applicable data protection regulations in Tanzania. By using our Services, you consent to the collection, use, and storage of your information as described in our Privacy Policy. For more information, please refer to the Privacy Statement on our website.

Prohibited and Restricted Activities

Kuwa pay prohibits any illegal, deceptive, or predatory activities. Users must not engage in any prohibited activities, including but not limited to:

• Sale of unauthorized goods or services
• Fraudulent transactions
• Activities involving restricted industries, including adult content, gambling, and other high-risk areas
• Transactions involving infringement of intellectual property rights

Changes to Terms

Kuwa pay reserves the right to modify these Terms at any time. The latest version will be posted on this page, and users are encouraged to review these Terms regularly. Your continued use of the Services after any changes constitutes your acceptance of the revised Terms.

Applicable Law

These Terms are governed by and construed in accordance with the laws of Tanzania. Any disputes arising out of or in connection with these Terms or the Services provided by Kuwa pay shall be subject to the jurisdiction of the Tanzanian courts.

Termination

Kuwa pay reserves the right to suspend or terminate your access to the Services at any time for any reason, including but not limited to breach of these Terms. Upon termination, your right to use the Services will immediately cease.

Complaints and Customer Service

If you have any questions, feedback, or complaints regarding our Services, please contact us via the email below. Kuwa pay is committed to resolving customer issues promptly and effectively.

Contact Us