Terms of Service

1. Acceptance of Terms

By accessing and using the Tele Kumbu website and services, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Company Information

Tele Kumbu is a financial technology company operating in Angola, providing mobile-first financial services to promote financial inclusion.

• Operations: Angola and Australia
• Contact: [email protected]
• Regulatory Status: Subject to Angolan financial regulations

3. Services Description

Tele Kumbu provides:

• Digital wallet services
• Money transfer capabilities
• Bill payment services
• USSD-based financial transactions
• Agent network services

4. User Eligibility

To use our services, you must:

• Be at least 18 years of age
• Be a legal resident of Angola or authorized jurisdiction
• Provide accurate and complete information
• Comply with all applicable laws and regulations

5. Account Registration and Security

• You are responsible for maintaining the confidentiality of your account
• You must notify us immediately of any unauthorized use
• We reserve the right to suspend accounts for security reasons
• Identity verification may be required for certain services

6. Financial Transactions

• All transactions are subject to verification and approval
• Transaction fees may apply as disclosed at the time of transaction
• Transaction limits may be imposed for security and regulatory compliance
• Failed transactions will be processed according to our refund policy

7. Prohibited Activities

You may not use our services for:

• Illegal activities or money laundering
• Fraud or unauthorized transactions
• Violation of any laws or regulations
• Harm to our systems or other users

8. Fees and Charges

• Service fees will be clearly disclosed before transactions
• Fees may change with reasonable notice
• Currency conversion rates may apply to international transactions
• Third-party fees may apply and are not controlled by Tele Kumbu

9. Limitation of Liability

To the fullest extent permitted by law, Tele Kumbu shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or other intangible losses.

10. Regulatory Compliance

• Services are subject to Angolan banking and financial regulations
• Know Your Customer (KYC) and Anti-Money Laundering (AML) policies apply
• We may be required to report certain transactions to authorities
• Compliance with international sanctions and regulations

11. Intellectual Property

All content, trademarks, and intellectual property on this website are owned by Tele Kumbu. Users may not reproduce, distribute, or create derivative works without written permission.

12. Termination

We reserve the right to terminate or suspend accounts at our discretion, particularly for:

• Violation of these terms
• Suspicious or fraudulent activity
• Regulatory requirements
• Non-compliance with verification requirements

13. Dispute Resolution

Any disputes arising from these terms will be resolved through:

• Initial attempt at amicable resolution
• Mediation if necessary
• Arbitration under Angolan law
• Jurisdiction of Angolan courts

14. Changes to Terms

We reserve the right to modify these terms at any time. Material changes will be communicated to users through our website or direct notification. Continued use constitutes acceptance of modified terms.

15. Contact Information

For questions about these terms:

• Email: [email protected]
• Phone: +244 945 779 990 (Angola)
• Phone: +61 444 516 179 (Australia)