Legal

Terms of Service

Last updated: 16 May 2026 · Effective: 16 May 2026

About Us

Imarisha Maisha Limited is a Tier 2 Microfinance institution incorporated in the United Republic of Tanzania and licensed and supervised by the Bank of Tanzania. These Terms are governed by the laws of the United Republic of Tanzania.

Scope of Services

Our digital channels are provided to enable existing and prospective customers to:

  • Receive information about our microfinance products and services.
  • Submit enquiries and receive customer support.
  • Receive account-related notifications, including transaction confirmations, repayment reminders and one-time passwords.
  • Initiate loan applications and account-related requests, subject to in-person or in-branch verification where required by law.

The provision of regulated financial services remains subject to our standard account terms and the relevant loan or deposit agreement, which take precedence over these Terms in the event of conflict on financial matters.

Eligibility

You must be at least 18 years of age and a resident of the United Republic of Tanzania, or otherwise eligible under our customer onboarding requirements, to use our services. By using our channels you represent that you meet these requirements.

WhatsApp Channel

Our WhatsApp Business channel is operated using the WhatsApp Business Platform provided by Meta Platforms, Inc. Messages exchanged through this channel are processed on Meta’s infrastructure. Use of WhatsApp is also governed by WhatsApp’s own Terms of Service and Privacy Policy, which you accept when you use WhatsApp.

The WhatsApp channel is provided for informational, transactional and customer-support communication. We may use automated systems, including conversational AI, to respond to your initial enquiries. You may at any time request to be transferred to a human agent during business hours.

Acceptable Use

When using our digital channels, you agree not to:

  • Impersonate any other person or misrepresent your identity.
  • Submit false, misleading or fraudulent information.
  • Send abusive, threatening, obscene or unlawful content.
  • Attempt to gain unauthorised access to our systems or to other customers’ accounts.
  • Use our channels to transmit malware or to conduct any form of cyber attack.
  • Use our channels for any purpose other than the legitimate use of our services.

We reserve the right to suspend or terminate your access to our digital channels if we determine, at our sole discretion, that you have violated these Terms.

Authentication and Security

Important. We will never ask you to share your full password, PIN, or any complete one-time password through WhatsApp or any unsolicited communication. Any message claiming otherwise is fraudulent. Report it to us immediately.

For your protection, certain actions (such as releasing account balances, processing transactions or modifying your account details) require identity verification through additional channels beyond WhatsApp. You are responsible for keeping your authentication credentials, including one-time passwords, confidential.

No Financial Advice

Information provided through our digital channels is general in nature and does not constitute personalised financial, legal or tax advice. You should make your own assessment of any product or service before entering into a binding agreement with us.

Service Availability

We aim to keep our digital channels available at all times but do not guarantee uninterrupted access. We may suspend any channel temporarily for maintenance, upgrades or in response to security incidents. Third-party platform outages, including outages of WhatsApp, may also affect availability.

Intellectual Property

All content displayed on our website and through our channels, including our logo, name, text, graphics and software, is the property of Imarisha Maisha Limited or its licensors and is protected by applicable copyright and trademark laws. You may not copy, modify, distribute or commercially exploit any of this content without our prior written permission.

Limitation of Liability

To the maximum extent permitted by law, Imarisha Maisha Limited shall not be liable for any indirect, incidental or consequential losses arising from your use of our digital channels, including losses resulting from delayed or undelivered messages on third-party platforms. Nothing in these Terms limits liability that cannot be excluded under Tanzanian law.

Privacy

Our handling of your personal data is described in our Privacy Policy, which forms part of these Terms.

Changes to These Terms

We may update these Terms from time to time. The current version is always available at this URL, and the “Last updated” date at the top of this page indicates when it was most recently revised. Continued use of our channels after the update constitutes acceptance of the revised Terms.

Governing Law and Disputes

These Terms are governed by and construed in accordance with the laws of the United Republic of Tanzania. Any dispute arising from or related to these Terms shall be referred to the competent courts of Tanzania, without prejudice to your right to lodge a complaint with the Bank of Tanzania or the Personal Data Protection Commission where applicable.

Contact

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