Last Updated: April 23, 2025
These Terms of Service ("Terms") govern your access to and use of the Palm Pesa mobile application and related services (the "Services") provided by us. By accessing or using our Services, you agree to be bound by these Terms. If you do not agree to these Terms, you may not use our Services.
By registering for and using Palm Pesa, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy, which is incorporated herein by reference.
To use certain features of our Services, you may need to register for an account. You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete. You are responsible for safeguarding your account password and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.
You agree to use our Services only for lawful purposes and in accordance with these Terms. You shall not:
Our Services may allow you to conduct financial transactions, including mobile money transfers, USSD payments, savings, and loan applications. You agree to provide accurate and complete information for all transactions. You are responsible for ensuring that you have sufficient funds or credit (as applicable) to complete transactions. We are not responsible for any fees or charges that may be imposed by your mobile network operator or bank.
For loan services, you agree to the terms and conditions specific to the loan product you apply for, including repayment schedules and interest rates. Failure to repay loans according to the agreed terms may result in penalties and legal action.
Our Services and their original content, features, and functionality (including but not limited to text, graphics, logos, and software) are and will remain the exclusive property of Palm Pesa and its licensors. They are protected by copyright, trademark, and other intellectual property laws. You may not use our trademarks, logos, or service marks without our prior written consent.
OUR SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE. WE DO NOT WARRANT THAT OUR SERVICES WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL PALM PESA, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SUPPLIERS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES (INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES) ARISING OUT OF OR RELATING TO YOUR ACCESS TO OR USE OF, OR YOUR INABILITY TO ACCESS OR USE, OUR SERVICES, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTE, OR ANY OTHER LEGAL THEORY, WHETHER OR NOT WE HAVE BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE.
OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF OUR SERVICES SHALL NOT EXCEED THE AMOUNT YOU PAID TO US, IF ANY, IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE LIABILITY.
You agree to indemnify and hold harmless Palm Pesa, its affiliates, officers, directors, employees, agents, suppliers, and licensors from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your breach of these Terms or your use of our Services.
These Terms shall be governed by and construed in accordance with the laws of Tanzania, without regard to its conflict of law provisions. You agree to submit to the exclusive jurisdiction of the courts located in Tanzania to resolve any disputes arising out of or relating to these Terms or our Services.
We may modify these Terms at any time by posting the revised Terms on our app or website. Your continued use of our Services after the effective date of the revised Terms constitutes your acceptance of the changes. We encourage you to review these Terms periodically for any updates or changes.
We may terminate or suspend your account and access to our Services at our sole discretion, without prior notice or liability, for any reason whatsoever, including, without limitation, if you breach these Terms.
If you have any questions about these Terms, please contact us at:
Email: anoldmwinuka@gmail.com
Phone: +255 693 662 424
Postal Address: P. O. Box 1162, Mbeya, Tanzania