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Terms of Use of Mukuru Money Transfer Service

Zimbabwe

Welcome to Mukuru!

When you sign up as a Mukuru Customer, you’re agreeing to follow the rules set out in these Terms of Use (Terms). 

This is a contract, so take the time to read and understand these Terms and our Privacy Notice carefully before you sign up as a customer. Once you sign up as a customer and use Mukuru, you agree to be bound by and comply with these Terms. You must continue to comply with these Terms if you want to use Mukuru.

Here are some important things to know and remember about being a Mukuru Customer and using Mukuru:

  1. Remitix Limited (Remitix) is a private company registered in England located at 12 Old Mills Industrial Estate, Paulton, Bristol, BS39 7SU, England. Send Money Home Private Limited, Reg. No. 1446/2012, (SMH Zim) helps Remitix run Mukuru in Zimbabwe. SMH Zim is a money transfer service which you can use to send remittances to other people outside Zimbabwe.
  2. You need to be at least 18 years old to use Mukuru.
  3. You can only have one Mukuru Profile.
  4. You need to keep your account information safe and not share it with anyone else.
  5. You can’t use Mukuru for anything illegal or harmful, for your business or for buying/selling things.
  6. We can’t guarantee or promise exactly how long it will take for a Remittance to be sent and received.
  7. Our Privacy Notice tells you how we will use your personal information. When you share your personal information with us, you agree that we can use and share it so we can communicate with you and keep important records (like for legal or accounting reasons). You also agree that we can share your personal information with the Financial Intelligence Unit, the Bank of Zimbabwe, Mukuru Partners, our service providers and any other regulatory authority if it is needed for you to use Mukuru or for us to comply with the law.
  8. We can close your Mukuru Profile or stop you from using Mukuru at any time, without telling you: (i) if we can’t confirm that the information you have given us is true; (ii) if you break any of these Terms or any law; (iii) if we find out that you have a criminal record (for fraud or any other crime); (iv) if we think you are using Mukuru in a way that is harmful to us or anyone else; or (v) to protect our interests and reputation (for example, where we come across negative information or news about you in the media).
  9. If we think that a Recipient has been or is involved in any crime (including fraud), we can (i) mark the Recipient as “suspicious” on our software system; and/or (ii) blacklist the Recipient; and/or (iii) refuse to send a Remittance to the Recipient.
  10. We are not responsible if something happens when you use Mukuru that causes you to lose money or suffer a loss in some way unless it can be proven that it was our fault. Please see clause 13 for further details.
  11. If you have any questions or problems, you can contact us via WhatsApp by dialling +27 860 018 555 or by calling our Contact Centre at +27 860 018 555 (between 08h00 and 19h00), and we will be happy to help.
  12. We can change these Terms at any time, so make sure you check back regularly.

1. Key words used

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2. Signing up as a Mukuru Customer

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3. Creating and paying for Remittance Orders

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4. Recipient’s Details

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5. Remittance Types

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6. Send Limits

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7. Cancellations and Refunds

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8. Customer Records

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9. Protecting your Mukuru Profile

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10. Safeguarding your funds

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11. Using Electronic Messages

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12. Our Liability and Responsibility

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13. General

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14. Address for Notices and Legal Proceedings

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