Last updated: 11-05-2025

This Service Policy outlines how ChiwawaPay provides, manages, and supports its financial technology (“fintech”) services.
It forms part of the agreement between you (“User”, “Merchant”, or “Customer”) and T-INFLUENCER Ltd (“ChiwawaPay”, “we”, “us”, “our”).

By using our platform, mobile app, or APIs, you agree to comply with this Service Policy.

1. Our Services

ChiwawaPay provides a secure and reliable platform that enables users to:

• Send and receive money through mobile money, cards, and bank transfers.

• Accept online payments on websites, apps, or in-store using our API or plugins.

• Manage transactions, settlements, and digital wallets through our dashboard.

• Integrate payment APIs for automated processing and vendor payouts.

ChiwawaPay acts as a payment processor and technology provider, not as a bank or financial institution.

2. Service Availability

• Our platform operates 24/7, subject to maintenance and network availability.

• Scheduled maintenance will be communicated in advance through the dashboard, email, or official social channels.

• We are not liable for downtime caused by third-party networks, mobile operators, or banking partners.

In rare cases of unplanned service disruption, we will work to restore operations as quickly as possible and notify affected users.

3. Account Verification and Onboarding

To ensure compliance with the Bank of Tanzania (BoT) and global standards:

• All users must undergo Know Your Customer (KYC) verification.

• Business accounts require submission of company registration, tax ID (TIN), and authorized representative details.

• Personal accounts may require a valid ID (NIDA, passport, or voter’s card).

Incomplete verification may limit your transaction limits or access to certain features.

4. Transaction Processing

• Payments are processed in real time when possible.

• Processing speed depends on the selected payment channel (mobile money, card, or bank).

• Successful transaction confirmation is sent via webhook, SMS, email, or dashboard notification.

• Once confirmed, transactions cannot be reversed unless required by law or the sending bank.

All transactions are logged securely and accessible through your dashboard history.

5. Settlement Policy

• Settlement refers to the transfer of cleared funds to your linked bank or mobile money account.

• Settlement timelines depend on your account type and country regulations.

  • Tanzania (TZS): typically 1–2 business days.

  • Other regions: may take 2–5 business days.

• ChiwawaPay may delay settlements for compliance reviews or risk investigations.

You’ll receive automated updates for every payout or settlement initiated.

6. Service Fees and Pricing

• Transaction and service fees are displayed on our website or merchant dashboard.

• Fees may differ by channel, country, or transaction volume.

• We reserve the right to revise pricing, with prior notice to users.

• Fees are automatically deducted before settlement unless otherwise stated.

For corporate or high-volume users, custom pricing agreements may apply.

7. Refunds and Chargebacks

Refunds are handled under our Refund Policy and depend on payment type and partner network rules.

• Mobile money refunds are processed within 1–3 working days.

• Card and bank refunds may take 3–10 working days.

• Chargebacks initiated by banks or networks may incur administrative fees.

ChiwawaPay reserves the right to withhold disputed funds during investigations.

8. Service Support

We provide customer support via:

• 📧  hello@chiwawapay.com

• 💬 Live Chat: available on https://chiwawapay.com

• 🕒 Support hours: Monday–Friday, 8:00 AM to 8:00 PM (EAT); Saturday 9:00 AM–5:00 PM.

We aim to respond to all inquiries within 24 hours and resolve critical issues within 48 hours.

9. Data Security and Confidentiality

• All transactions are encrypted using SSL/TLS protocols.

• ChiwawaPay complies with PCI-DSS and local data protection laws.

• Customer data is confidential and processed only as described in our Privacy Policy.

Users are responsible for securing their login credentials and access tokens.

10. Prohibited Use

ChiwawaPay may not be used for:

• Illegal trade, gambling, or unlicensed money transfer.

• Sale of counterfeit, prohibited, or harmful goods and services.

• Money laundering or terrorism financing.

Violations may result in account suspension or permanent termination.

11. Service Modifications and Updates

We may upgrade, modify, or discontinue parts of our Services to improve performance, comply with regulations, or introduce new features.
Whenever possible, we will provide advance notice of such changes.

12. Compliance and Legal Obligations

ChiwawaPay adheres to:

• The Bank of Tanzania (BoT) Electronic Money and Payment Services Regulations.

• Anti-Money Laundering (AML) and Counter-Terrorism Financing (CTF) laws.

• Applicable data protection and consumer protection laws in Tanzania and partner jurisdictions.

You agree to comply with these regulations while using our Services.

13. Limitation of Liability

ChiwawaPay shall not be liable for:

• Loss of profits or business due to service delays, downtime, or third-party network issues.

• Unauthorized transactions resulting from compromised user credentials.

• Errors caused by incorrect information submitted by users.

Our total liability in any case shall not exceed the total service fees paid to ChiwawaPay in the last three (3) months preceding the incident.

14. Suspension or Termination of Service

We may suspend or terminate access to Services if:

• You violate this Service Policy or our Terms of Service.

• Fraudulent, high-risk, or suspicious activities are detected.

• Required documentation is not submitted or verified.

Upon termination, pending settlements may be held for verification or legal compliance before disbursement.

15. Contact Us

For questions or complaints related to this Service Policy please contact us