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Terms of Use

Effective Date: July 28, 2024

1. Introduction

Welcome to Cowries Money! By using our website, mobile application, and services (collectively, "Services"), you agree to these Terms of Use. If you do not agree with any part of these terms, please do not use our Services.

2. Eligibility

You must be at least 18 years old and capable of forming a binding contract to use our Services. By using our Services, you represent and warrant that you meet these requirements.

3. Account Registration

To use certain features of our Services, you must create 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 credentials and for all activities that occur under your account.

4. Services

a. Money Transfers Cowries Money allows you to send and receive money through various methods, including bank transfers, mobile money, and cash pickups. You agree to comply with all applicable laws and regulations when using our money transfer services.

b. Fees and Charges We may charge fees for certain transactions. You agree to pay all fees and charges associated with your transactions. Detailed information about fees is available on our website and mobile application.

c. Transaction Limits We may impose limits on the amount of money you can send or receive through our Services. These limits are subject to change and may vary based on regulatory requirements, your transaction history, and our risk assessment.

5. User Conduct

You agree not to use our Services for any unlawful or prohibited activities, including but not limited to:

  • Engaging in fraudulent, illegal, or unauthorized transactions.
  • Violating any applicable laws or regulations.
  • Infringing on the rights of others, including intellectual property rights.
  • Interfering with or disrupting our Services or servers.
  • Providing false or misleading information.

6. Privacy

Our Privacy Policy explains how we collect, use, and protect your personal information. By using our Services, you consent to our Privacy Policy.

7. Security

We employ robust security measures to protect your information. However, you are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. Notify us immediately if you suspect any unauthorized access to your account.

8. Intellectual Property

All content, trademarks, logos, and other intellectual property on our Services are owned by Cowries Money or our licensors. You may not use, reproduce, or distribute any content without our prior written consent.

9. Third-Party Services

Our Services may contain links to third-party websites or services. We are not responsible for the content, privacy policies, or practices of any third-party websites or services. You access these at your own risk.

10. Disclaimers

Our Services are provided "as is" and "as available" without any warranties of any kind, either express or implied. We do not warrant that our Services will be uninterrupted, error-free, or secure. We are not responsible for any loss or damage arising from your use of our Services.

11. Limitation of Liability

To the maximum extent permitted by law, Cowries Money shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from:

  • Your use or inability to use our Services.
  • Any unauthorized access to or use of our servers and/or any personal information stored therein.
  • Any interruption or cessation of transmission to or from our Services.
  • Any bugs, viruses, trojan horses, or the like that may be transmitted to or through our Services by any third party.

12. Indemnification

You agree to indemnify, defend, and hold harmless Cowries Money and its affiliates, officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses, including without limitation, reasonable legal and accounting fees, arising out of or in any way connected with your access to or use of our Services or your violation of these Terms.

13. Changes to Terms

We may modify these Terms at any time. We will notify you of any changes by posting the new Terms on our website and mobile application. Your continued use of our Services after such modifications constitutes your acceptance of the new Terms.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which Cowries Money is incorporated, without regard to its conflict of law principles.

15. Dispute Resolution

Any disputes arising out of or relating to these Terms or our Services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration shall take place in the jurisdiction of Cowries Money’s principal place of business.

16. Contact Us

If you have any questions or concerns about these Terms, please contact us at:

© Cowries Money Co Limited and Umojami Inc Technology Architecture.

Cowries Money is registered and regulated by the Ministry of Small and Medium Size Enterprises,
and accredited by the Management Centre (CGA or AMC) for tax with registration code M122217863993L
and Registered Address: ST PAUL ROAD, MILE 3 NKWEN, BAMENDA, NORTH WEST REGION, CAMEROON.

Cowries Money is registered as a Money Services Businesses (MSBs) pursuant to the Bank Secrecy Act
(BSA) regulations at 31 CFR 1022.380(a)-(f), administered by the Financial Crimes Enforcement Network (FinCEN)
with registration number 31000221506444.

Cowries Money Co Ltd is also a registered company in the UK as Cowries Money Limited with the business registration number 14184028
and Registered Address: HEREFORD WALK, ROMILEY, STOCKPORT, UNITED KINGDOM SK6 3HN.

Copyright © 2024 Cowries Money All Right Reserved.