Terms of Use

Effective Date: July 2026

Last Updated: July 2026

Pamoja is operated by Impact Microfinance Limited, a company incorporated and licensed to operate in the United Republic of Tanzania.

Welcome to Pamoja, a digital operating system designed for member-based communities, groups, associations, cooperatives, branches, and organizations. By accessing or using Pamoja through our mobile application, web platform, or USSD services, you agree to these Terms of Use.

1. Acceptance of Terms

By registering for, accessing, or using Pamoja, you acknowledge that you have read, understood, and agreed to be bound by these Terms of Use and our Privacy Policy.

If you do not agree with these Terms, you should not use the Pamoja platform.

2. About Pamoja

Pamoja is a digital operating system designed to enable member-based communities and organizations to:

• Organize members and community activities
• Mobilize member contributions, savings, and shared capital
• Manage shares, loans, and financial services
• Facilitate governance, participation, and decision-making
• Support community growth, transparency, and accountability
• Connect communities with financial institutions and strategic partners

Pamoja services may be accessed through mobile applications, web portals, USSD channels, and other approved digital interfaces.

3. Eligibility

To use Pamoja, you must:

• Be legally permitted to enter into binding agreements
• Provide accurate and complete information
• Use the platform in accordance with applicable laws and regulations
• Be authorized by your community, organization, or institution where applicable

Additional eligibility requirements may apply to certain financial products or services.

4. User Accounts

Users are responsible for:

• Maintaining the confidentiality of login credentials
• Protecting passwords, PINs, and authentication devices
• Ensuring that information provided remains accurate and up to date
• Reporting unauthorized access immediately

Users are responsible for all activities conducted through their accounts.

5. Communities, Groups and Organizations

Pamoja enables communities, groups, associations, cooperatives, branches, and organizations to create and manage member-based ecosystems.

Community administrators and authorized representatives are responsible for:

• Member onboarding and management
• Governance processes
• Product and service configuration
• Internal rules and operating procedures
• Compliance with applicable laws and regulations

Pamoja provides technology infrastructure and does not assume operational responsibility for individual communities or organizations.

6. Contributions, Savings and Financial Transactions

Pamoja may facilitate:

• Member contributions
• Savings mobilization
• Share capital management
• Loan administration
• Payment processing
• Digital wallet services
• Financial reporting and reconciliation

Users acknowledge that transactions may be subject to additional rules, agreements, and regulatory requirements applicable to specific products or services.

7. Financial Services Disclaimer

Certain financial products and services available through Pamoja may be provided by:

• Licensed financial institutions
• Mobile money operators
• Microfinance institutions
• Banks
• Savings and credit organizations
• Other regulated partners

Such services may be subject to additional agreements, regulatory requirements, and separate terms and conditions.

Pamoja acts as a technology platform and does not guarantee the approval, availability, or performance of third-party financial products or services.

8. Mobile Money and Payment Services

Pamoja may integrate with mobile money operators, banks, payment service providers, and other financial infrastructure providers.

Users acknowledge that:

• Transaction processing times may vary
• Additional charges or fees may apply
• Third-party providers may impose their own terms and conditions
• Service availability may depend on external providers

9. Acceptable Use

Users agree not to:

• Use Pamoja for unlawful activities
• Provide false or misleading information
• Attempt unauthorized access to systems or accounts
• Interfere with platform operations
• Introduce malicious software or harmful content
• Circumvent security controls
• Engage in fraudulent or abusive activities

Violation of these requirements may result in suspension or termination of access.

10. Intellectual Property

All rights relating to:

• Pamoja software
• Platform architecture
• Trademarks
• Logos
• Content
• Designs
• Technology
• Documentation

remain the exclusive property of Pamoja, Impact Microfinance Limited, or their respective licensors.

Users may not reproduce, distribute, reverse engineer, or commercially exploit any portion of the platform without prior written authorization.

11. Privacy and Data Protection

Pamoja collects, processes, stores, and protects personal information in accordance with:

• Applicable laws of the United Republic of Tanzania
• The Tanzania Personal Data Protection Act, 2022
• Applicable international data protection principles
• The Pamoja Privacy Policy

By using Pamoja, users consent to the collection and processing of their information as described in the Privacy Policy.

12. Service Availability

While Pamoja strives to provide uninterrupted service, we do not guarantee:

• Continuous availability
• Error-free operation
• Uninterrupted access
• Compatibility with all devices or networks

Maintenance, upgrades, outages, or third-party dependencies may temporarily affect service availability.

13. Suspension and Termination

Pamoja reserves the right to suspend or terminate access where:

• These Terms are violated
• Fraudulent activity is suspected
• Regulatory requirements demand action
• Security risks arise
• Accounts remain inactive for extended periods

Termination does not relieve users of obligations incurred before termination.

14. Limitation of Liability

To the maximum extent permitted by law, Pamoja and Impact Microfinance Limited shall not be liable for:

• Indirect losses
• Consequential damages
• Loss of profits
• Loss of business opportunities
• Data loss
• Service interruptions
• Third-party failures

Users acknowledge that use of the platform is undertaken at their own risk.

15. Changes to These Terms

Pamoja may modify these Terms of Use from time to time.

Updated versions will be published on the platform and become effective upon publication unless otherwise stated.

Continued use of the platform constitutes acceptance of revised Terms.

16. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the United Republic of Tanzania.

Any disputes arising from the use of Pamoja shall be subject to the jurisdiction of the competent courts of the United Republic of Tanzania.

17. Contact Information