Terms & Conditions (Uganda)

M-KOPA Product Credit Terms & Conditions

The following product credit terms and conditions (hereinafter referred to as the “Terms”) as updated from time to time, are applicable to all
M-KOPA Products sold in Uganda unless clearly stated otherwise. These Terms as well as the M-KOPA customer privacy policy (the “Privacy Policy”) as updated from time to time, are explicitly incorporated into the Product Application & Credit Agreement (the “Agreement”).
The Customer (“You” or “Your”) should therefore read the below Terms together with Your Agreement and the Privacy Policy. Acceptance of the Agreement shall constitute acceptance of these Terms and the Privacy Policy. At M-KOPA we take the privacy of our customers and their data very seriously.

Any questions, complaints, claims, or other communications relating to these Terms should be directed to customercare.ug@m-kopa.com

1. Definitions

These Terms use certain capitalised terms that are also used in Your Agreement. Any capitalised terms that are used in these Terms and not otherwise defined have the same meaning as in the Agreement. For example, terms such as Product, Initial Payment, Credit Payment and Total Payment have the same meaning when they are used in these Terms and in Your Agreement. These Terms also have the following additional defined terms:

1.1. “Account” means the M-KOPA customer account used for purposes of receiving payment of Your Initial Payment and applicable Credit Payment.

1.2. “Additional Product” means any follow-on or upgrade product and/or service that is purchased by You.

1.3. “Gateway Product” means the Product initially purchased by You which may inform your eligibility to purchase one or more Additional Products.
1.4. “Product” means the product and/or service purchased from M-KOPA under the Agreement.

2. The credit payment

You agree to pay the applicable Credit Payment by the required date (or in advance at Your choosing) and You agree that the applicable Credit Payment, shall be applied toward Your M-KOPA outstanding balance, until You have paid the Total Payment within the period as set out in the Agreement. Further, You agree that Your Credit Payment may change if You purchase Additional Products. The Credit Payment is non-refundable under any circumstance, including upon return of the Product pursuant to paragraph 13 (Return of Product).

3. Mode of payment

The Initial Payment and all applicable Credit Payments towards purchase of the Product and/or any Additional Product shall be made through the following channel:

Service provider
For MTN
How to pay
DIAL *165#
For Airtel
DIAL *185*44#
Via the M-KOPA App
Authorized direct debit to M-KOPA

No payments by cash will be accepted by M-KOPA nor should they be made under any circumstances for the purchase of any Product or the payment of the Credit Payment. Please inform M-KOPA customer service or email CustomerProtection@m-kopa.com immediately if You are requested to make any cash payment or otherwise feel if you have been given wrong, misleading or potentially fraudulent information by any employee or agent of M-KOPA.

4. Promotion/Offers

By reason of your purchase of the Product, You may be identified by M-KOPA as eligible for various promotions and offers (including but not limited to airtime and data bundles). You will receive an SMS or WhatsApp notification informing You of the available promotions and the applicable terms and conditions. Those terms and conditions will be supplemental and subject to the Agreement and these Terms. M-KOPA reserves the right to amend or vary the terms and conditions relating to such promotions/ offers.  You may choose to opt out of receiving such promotions and offers by emailing dataprivacy@m-kopa.com or contacting M-KOPA Customer Services.

5. Product deactivation & credit reporting

If You fail to fulfil your contractual obligations including keeping current on your Credit Payments, M-KOPA may deactivate your Product (including by exercising a seller’s lien as applicable under this credit sale arrangement) until you become current again in your Credit Payments. This could require the payment of more than one Credit Payment in order to unblock your Account.

If you fail to keep current on the Credit Payments for the Product, your credit history may be reported to a credit reference bureau and may not be eligible for Additional Products and services from M-KOPA.

6. Additional products

Once You finalize payment of the Gateway Product with a good credit performance, You will then qualify to apply for an Additional Product. For the avoidance of doubt, the Additional Product can be another Product, or digital financial services such as cash loans or e-vouchers or any other product that M-KOPA is offering as an Additional Product.  

Where you successfully purchase an Additional Product, You agree that such Additional Product will be subject to the applicable terms and conditions of such Additional Product and where applicable, these Terms. For the purposes of these Terms, the term Product will include an Additional Product.

If fail to keep current on the Credit Payment for such Additional Product, M-KOPA may deactivate your Additional Product and the Gateway Product (even if you have paid the Total Payment for the Gateway Product) until you become current again in your Credit Payments. This could require the payment of more than one Credit Payment to unblock your Account.

7. M-KOPA administrative right over your product

You understand that M-KOPA shall have certain administration rights over your Product which will allow M-KOPA to restrict usage of and potentially block or disable the Product (including by exercising a seller’s lien as applicable under this credit sale arrangement) if your Credit Payment is not paid or your Account is otherwise in arrears. Further, you understand that these administration rights may be reactivated even if you have paid off the Total Payment for the Product in the event that you purchase Additional Products or services from M-KOPA.

You agree not to attempt to alter the administration rights granted to M-KOPA on the Product and any attempt to do so could void the warranty of the Product and violate the intellectual property rights of M-KOPA and the relevant Product manufacturer.

8. Intended use

All Products should be used solely in accordance with the instructions provided in the relevant Product instruction manuals and Product end-user license agreements (where applicable). Further, Your Product must be maintained in proper repair and working condition in order to receive any applicable refund on your Product and You agree that if You contravene any of the instructions provided in the Product manuals, it will result in the forfeiture of the warranty of the Product.

9. M-KOPA credit scoring scheme

M-KOPA may request Your permission to access credit scoring information from third parties including mobile network operators, financial service providers or other third parties such as credit reference bureaus or similar credit scoring companies. This information would be used to 1) contact you (where applicable); and 2) establish a credit scoring profile, and such credit score could lead to different pricing for the Product depending on your score. You have the option to accept or deny this request.

By agreeing to M-KOPA’s request (which may be sent to You in different formats, including via USSD at the point-of-sale), You agree that M-KOPA will initiate a process to retrieve Your personal information and your credit scoring (including via a information call) and You agree to all applicable personal data sharing between M-KOPA and such third party credit score provider, subject to applicable laws.

You may withdraw your consent at any point during the process by refusing any further permission requests. The Privacy Policy shall apply to all aspects of the credit scoring information request. M-KOPA takes no responsibility for any error, delay, failure, or non-availability of the credit scoring service, and you shall hold M-KOPA harmless against any detriment, damage, or loss you may sustain as a result of non-favorable credit information, non-availability of credit information, or any error, delay, failure, or non-availability of the service.

10. Contact information

You consent that M-KOPA will send electronic communications to the contact information which You provide in the Agreement. You are solely responsible for the accuracy of such information and must ensure that all contact information provided to M-KOPA is complete and accurate in order to allow M-KOPA to contact You or the Alternative Contact Person during reasonable hours regarding Your Account.  

You agree that it shall be Your sole responsibility to keep Your contact information current and You will be deemed to have received any notice issued based on the contact information provided by You to M-KOPA, whether or not You actually receive the information or not.

11. Lost, stolen or damaged products

You understand that M-KOPA is not responsible for the recovery of lost or stolen Products and does not track lost or stolen Products. If my Product is lost or stolen at any point, during or after the term of the Agreement, it is my responsibility to report the matter to the appropriate police authorities. You further agree that even if the Product gets lost, stolen or damaged while out-of-warranty, You will be responsible for paying the applicable Credit Payment and the Total Payment for my Product.

Where You purchase the Product with an insurance cover and the Product is thereafter lost or stolen, then provided You meet M-KOPA’s insurance claim qualification criteria You will be eligible for a replacement ‘2nd life phone’ (subject to any other applicable terms and condition).

12. Ownership of the product

You understand that You shall take ownership of the Product at purchase under a credit sale arrangement but that M-KOPA and/or the Product manufacturer (as applicable) shall at all times retain ownership to all of its intellectual property (whether registered or not) (the “Product Intellectual Property”) that is used to operate the Product and the data generated therefrom, in both cases even after the Total Payment is paid.  You must not tamper, open, alter the administration rights, reverse engineer, misappropriate or modify and/or use the Product Intellectual Property in any other way not authorised by M-KOPA and/or the Product manufacturer (as applicable) or aid any third party to do the same. Any contravention of this condition will result in forfeiture of the Product warranty, void any right to a refund and result in a fundamental breach of the Agreement.  

For avoidance of doubt any tampering and /or modification of the M-KOPA Intellectual Property shall constitute willful destruction of M-KOPA’s property and may result in criminal charges and such other civil actions being brought against any person, whether You or a third party, found to have tampered and/or modified the M-KOPA Intellectual Property regardless of whether the Total Payment of the Product has been paid.

13. Assignment

You agree that You will not transfer or assign any rights or obligations under the Agreement without the prior written consent of M-KOPA. M-KOPA has the right to transfer or assign the Agreement or any right or obligation under the Agreement at any time. Further, You consent to such assignment by M- KOPA of any rights or obligations therein, provided that such transfer does not alter my rights and obligations under the Agreement to Your detriment.

14. Inspection of M-KOPA

You agree to grant to M-KOPA, its employees or agents all reasonable facilities and opportunity for the inspection of the Product at any time, subject to reasonable notice, including but not limited to with respect to any repair services or for the purpose of investigating any fraudulent uses of the Product during the term of the Agreement.

15. Return of product

You may return Your Product if it is in good working condition to any of M-KOPA’s retail stores or qualified dealers at any time during the term of Your Agreement. If you return Your Product, You will;

a) be refunded Your full Initial Payment; and
b) be released from Your remaining Credit Payment obligation under the Agreement.

Further, the guidance below applies:
i) This paragraph 15 only applies to all new and existing solar and phone customers.

ii)If a Product is returned with any missing components, the value of the components will be deducted from the value of the refund.

iii) The Initial Payment will not be refunded if You have an outstanding cash loan.

16. Warranties

M-KOPA will repair or replace a Product, in accordance with the warranty terms provided by the Product manufacturer. The warranty is valid only if the Product is used as instructed and is not tampered with, opened, modified and/or used in other ways not authorised by M-KOPA, the Agreement and these Terms. The warranty period is as set out in the instruction manual for the relevant Product. M-KOPA reserves the right not to accept any Product that is returned under warranty. Approval from M-KOPA’s customer service is required before a Product can be returned to an M-KOPA service center or shop for repair or replacement. Once approval has been obtained, You should return Your faulty Product to the nearest M- KOPA shop or authorized service center for repairs or replacement.

M-KOPA Responsibilities

17.1 Inform of Approval

M-KOPA will communicate to You its approval or disapproval of the Agreement by SMS, email or phone call within seven (7) days of receiving the signed Agreement. Approval or disapproval for any Additional Products will be communicated by SMS or phone call.

17.2 Activate the Product

M-KOPA will ensure the Product is activated once the Initial Payment is received and, thereafter, whenever Your Account has a positive credit balance. M-KOPA shall not accept responsibility if a Product does not receive credit due to third party system or network outages which result in a failure for a Product to receive credits.

17.3 End Billing when Total Payment is Paid

M-KOPA will complete billing for the Product and end further Credit Payment requirements once the Total Payment of the Product is paid. M-KOPA reserves the right to reactivate and maintain the module and billing for any Additional Products that You may purchase.

17.4 Protect Data

M-KOPA agrees to implement appropriate and reasonable measures to protect your personal data in accordance with the prevailing data protection and consumer protection laws unless required to disclose such information by law or in accordance with these Terms and the Privacy Policy.

17.5 Ownership of Carbon Credits

M-KOPA shall have absolute and sole ownership of the carbon credits obtained from the usage of the Product.

17.6 Product Installation (where applicable)

M-KOPA shall train its agents on how to install the Products and shall certify that the Products are in good working condition upon installation with confirmation by You. Where You choose to install the Product on Your own without the assistance of an M-KOPA certified installer, You shall be liable for any negligent handling which leads to the failure of the Product to perform as expected. This includes any damage or breakage suffered in the course of installation.

18. Third-party charges

You acknowledge that from time to time You may communicate with M-KOPA via USSD code in order to perform certain transactions on Your Account. You agree that such communication is made possible by third-party service providers and is subject to third-party charges. These third-party charges are separate from the Credit Charge and are paid by You directly to the third-party service provider whether disclosed by the third-party service provider in advance or otherwise. You agree that all charges payable to third-party service providers, including all applicable taxes, are Your sole responsibility.

19. Sim locked product

19.1. To the extent this paragraph is applicable to You, the following definitions will apply to this paragraph
19.1.1.“Dual SIM” means a smartphone or mobile phone that can hold two different SIM cards at the same time.
19.1.2. “MNO” means the designated mobile network operator in partnership with M-KOPA.
19.1.3. “Offer Period” means the duration within which Your Total Payment remains outstanding or a period not exceeding twelve (12) months from the date You purchase the Product, whichever is earlier.
19.1.4. “SIM Lock” means the configuration applied to a Dual SIM Product that limits the full use of the Product to the MNO’s network.
19.1.5. “Primary Port” means any on the ports in the Product containing the MNO SIM.
19.1.6. “Product” means the SIM-Locked Dual SIM product to be purchased from M-KOPA.
19.1.7. “Secondary Port” means any port in the Product holding any other mobile network provider SIM.

19.2 The Offer

19.2.1. M-KOPA offers You the Product in line with this paragraph 19 (the “Offer”). You understand that the SIM Lock is in exchange for complimentary offers by the MNO and shall apply for the duration of the Offer Period. By purchasing the Product, that Your Product will be SIM locked.

19.2.2. The Product will remain SIM-Locked for the Offer Period. Notwithstanding the Offer Period, M-KOPA and/or the MNO may, jointly or independently, in their sole and absolute discretion, amend the duration of the Offer Period to a shorter period, or withdraw the Offer in its entirety, with notice to You. At the end of the Offer Period, You will be free to use any MNO’s SIM or service on your Product without any further limitation.

19.3 Terms of use

19.3.1. At all times during the Offer Period, the Product shall only connect to mobile network services if the MNO’s SIM card is inserted in the Primary Port.

19.3.2. With the MNO SIM in the Primary Port, You will be able to access voice, SMS function and mobile data. Where you insert another SIM card in the Secondary Port, the use of that other SIM card will be limited to voice and SMS function only.

19.3.3. You agree not to tamper with or modify the Product’s software or hardware in any way that could affect the SIM Lock functionality during the Offer Period. Any such interference or modifications may result in the termination of warranty, criminal charges being brought against You and such other civil actions by M-KOPA.

19.3.4. M-KOPA will under no circumstance be liable to You for any error, delay, failure or non-availability of the service, and you shall hold M-KOPA harmless against any damage or loss you may sustain as a result of possession and/or use of the MNO SIM, MNO network services, or any error, delay, failure or non-availability of the MNO service.

20. General provisions

20.1. M-KOPA encourages You to report any abuse and or suspicions or concerns regarding fraud by any employee or agent of M-KOPA. To initiate a report, please email  CustomerProtection@m-kopa.com. You have the option to submit reports anonymously but, providing your contact information may assist M-KOPA in the investigation process. M-KOPA is committed to safeguarding those who report fraud and will not tolerate any retaliation or adverse actions against those who report fraud in good faith. However, deliberately making false reports with the intent to harm an employee or M-KOPA is prohibited and may result in appropriate legal action. Confidentiality of your identity as a reporter will be protected to the fullest extent permitted by law and will only be disclosed to individuals who need to know for the purposes of investigation, legal compliance, or protection against retaliation.

20.2. No waiver of these Terms by M-KOPA will be deemed a further or continuing waiver of such term or condition or any other term or condition, and any failure of M-KOPA to assert a right or provision under these Terms will not constitute a waiver of such right or provision. If any provision of these Terms is held by a court of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision will be modified to reflect the M- KOPA’s and Your intention or eliminated to the minimum extent such that the remaining provisions of the Terms will continue in full force and effect.

20.3. M-KOPA reserves the right, at any time, to change, vary, amend or replace these Terms and any rules relating to Your purchase, its products and services and to modify its products and services at its discretion, with notice to You.

20.4. No provision of these Terms is intended to contravene the applicable consumer protection legislation, and therefore all provisions of these Terms must be treated as being qualified, to the extent necessary, to ensure that the applicable consumer protection legislation is complied with.

20.5. These Terms will be governed and construed in accordance with the laws of Uganda and the courts of Uganda shall have exclusive jurisdiction to settle any dispute or claim that arises out of or in connection with these Terms or its subject matter or formation (including non-contractual disputes or claims). Any dispute or claim arising out of or in connection with it or its subject matter or formation (including non-contractual disputes or claims) shall be governed by, construed and determined in accordance with the applicable laws of Uganda.

M-KOPA Standard Purchase Order Terms & Conditions

The following Standard Purchase Order Terms and Conditions (“Terams”) only apply to transactions that do not have a valid written agreement, duly executed by both parties. If there is such an agreement, then these terms shall be the terms that govern the transaction and relationship of the parties and these Terms shall have no effect.


In the absence of such valid written agreement, duly executed by both parties, then these Terms provide you (“Seller”) with the guidelines and legal stipulations of your purchase order (“Order”) with the relevant M-KOPA Group entity (as applicable, the “Purchaser”) for the goods and/or services that are described on the face of the Order. The M-KOPA Group consists of M-KOPA Holdings Limited and each of its direct and indirect subsidiaries including M-KOPA Kenya Limited, M-KOPA Uganda Limited, M-KOPA Solar Tanzania Limited, M-KOPA Hong Kong Limited, M-KOPA Ghana Limited and M-KOPA Solar Nigeria Limited.

1. Acceptance & Terms & Conditions

Seller accepts this Order and any amendments by signing the acceptance copy of the Order and returning it to Purchaser promptly. Even without such written acknowledgement, Seller’s full or partial performance under this Order will constitute acceptance of these Terms. By acceptance of this Order, Seller agrees to be bound by and to comply with all these Terms, which include any supplements to it, and all specifications and other documents referred to in this Order.

These Terms apply to everything listed in this Order and constitute Purchaser’s offer to Seller, which Purchaser may revoke at any time prior to Seller’s acceptance. This Order is not an acceptance by Purchaser of any offer to sell, any quotation, or any proposal. Reference in this Order to any such offer to sell, quotation, or proposal will not constitute a modification of any of these Terms. Terms and conditions different from or in addition to these Terms, whether contained in any acknowledgement of this Order, or with the delivery of any goods or services under this Order, or otherwise, will not be binding on Purchaser, whether or not they would materially alter this Order, and Purchaser hereby rejects them. These Terms may be modified only by a written document signed by duly authorized representatives of Purchaser and Seller.

2. Default

Time is of the essence of this Order. Purchaser may write a notice of default to Seller to (a) terminate all or any part of this Order if Seller fails to perform, or so fails to make progress as to endanger performance of this Order in accordance with its terms, and does not cure such failure within a period of ten (10) days (or such longer period as Purchaser may authorize in writing) after receipt of notice from Purchaser specifying such failure; and (b) procure, on such terms as it will deem appropriate, goods or services similar to those so terminated. Seller will continue performance of this Order to the extent not terminated and will be liable to Purchaser for any excess costs for such similar goods or services.


As an alternate remedy, and in lieu of termination for default, Purchaser, at its sole discretion, may elect to extend the delivery schedule and/or waive other deficiencies in Seller’s performance, in which case an equitable reduction in the Order price will be negotiated. If Seller for any reason anticipates difficulty in complying with the required delivery date, or in meeting any of the other requirements of this Order, Seller will promptly notify Purchaser in writing. If Seller does not comply with Purchaser’s delivery schedule, Purchaser may require delivery by the fastest way and charges resulting from the premium transportation must be fully prepaid and absorbed by Seller. The rights and remedies of Purchaser provided in this Section 2 will not be exclusive and are in addition to any other rights and remedies provided by law, at equity or under this Order.

3. Price

This Order must not be filled at a price higher than shown on the face of the Order. If no price is set forth on the front of the Order, the goods or services will be billed at the price last quoted or at the prevailing market price, whichever is lower, and, in any event, goods and services ordered under this Order will not be billed at a higher price than last quoted or charged without Purchaser’s specific written authorization. The purchaser will be entitled at all times to set off any amount owed at any time by Seller or any of its affiliates to Purchaser or any of its affiliates against any amount payable at any time by Purchaser in connection with this Order. No extra charges of any kind will be allowed unless specifically agreed to in writing by the Purchaser. All applicable taxes arising out of transactions contemplated by the Order will be borne by Seller except as otherwise specified by the parties in writing. If Seller reduces its prices for such goods and/or services during the term of this Order, Seller shall correspondingly reduce the prices of goods and/or services sold thereafter to Purchaser under this Order.

4. Invoices, Payment & Taxes

5. Packaging

All goods must be packaged in the manner specified by Purchaser and shipped in the manner and by the route and carrier designated by Purchaser. If Purchaser does not specify the manner in which the goods must be packaged, Seller shall package the goods so as to avoid any damage in transit. If Purchaser does not specify the manner of shipment, route, or carrier, Seller shall ship the goods at the lowest possible transportation rates, consistent with Seller’s obligation to meet the delivery schedule set forth in this Order.

6. Inspection

All goods and services will be subject to inspection and test by Purchaser at all times and places, including the period of manufacture and in any event prior to final acceptance. Final acceptance or rejection of the goods or services will be made promptly and practicable after delivery except as otherwise provided in this Order, but failure to inspect and accept or reject goods or services or failure to detect defects by inspection, will neither relieve Seller from responsibility for such goods or services as they are not in accordance with this Order nor impose liabilities on Purchaser for them. Purchaser’s payment for the goods shall not constitute its acceptance of the goods. Goods rejected and goods supplied in excess of quantities ordered may be returned to the Seller at Seller’s expense. Payment, if any, made for any goods rejected hereunder shall be promptly refunded by Seller. Seller will provide and maintain an inspection and process control system acceptable to Purchaser covering the goods and services ordered. Records of all inspection work by Seller will be kept complete and available to Purchaser during the performance of this Order and for seven (7) years after Seller’s completion of this Order. If any of the goods or services are found at any time to be defective in material or workmanship, or otherwise not in conformity with the requirements of this Order, including any applicable drawings and specifications, then Purchaser, in addition to such other rights and remedies it may have by contract or by law or equity, at its sole discretion may reject and return such goods at Seller’s expense, require Seller to inspect the goods and remove nonconforming goods and/or require Seller to replace nonconforming goods or services with conforming goods or services. If Seller fails to make the necessary inspection, removal, and replacement in a time and manner satisfactory to Purchaser, Purchaser may at its option inspect and sort the goods; Seller will pay any related costs.

7. Warranties

Seller represents and warrants that:

8. Indemnification

Seller shall indemnify and hold Purchaser and its affiliates and its affiliates’ directors, officers, employees and agents harmless and, on Purchaser’s request, shall defend each of them from and against any or all third party claims, demands, litigation, or proceedings of whatever kind, whether based upon negligence, breach of express or implied warranty, strict liability, infringement of intellectual property rights, or any other theory, and from and against all direct, indirect, special, exemplary, incidental or consequential damages of every kind whatsoever, arising out of, by reason of, or in any way connected with the goods and/or services, the design, manner of preparation, manufacture, construction, completion, or delivery or non-delivery of any goods and/or services by Seller, any breach by Seller of any of its obligations hereunder, or any other act, omission or negligence of Seller or any of Seller’s employees, workers, servants, agents, subcontractors, or suppliers. Seller shall, on request, pay or reimburse Purchaser or any other party entitled to indemnification hereunder for all costs and expenses, including attorneys’ fees, as incurred by Purchaser or such other party in connection with any such claim, demand, litigation, proceeding, loss, or damage.
In addition, for infringement claims, Seller will, at its own expense and at Purchaser’s option, either procure for Purchaser the right to continue using the allegedly infringing item, replace it with a non-infringing equivalent, or remove it and refund the purchase price and transportation and installation costs thereof.

9. Limitation of liability

Purchaser’s aggregate liability arising from or relating to this order is limited to the amount paid by purchaser for the goods and/or services. To the maximum extent allowable under applicable law, purchaser shall not be liable under this order for any special, incidental, consequential, indirect, or punitive damages including, without limitation, lost revenues even if purchaser has been advised of the possibility of such damages..

10. Purchaser’s property

Tangible or intangible property of any nature furnished to Seller by Purchaser or specifically paid for in whole or in part by Purchaser, and any replacements or attachments, are the property of Purchaser and, unless otherwise agreed in writing by Purchaser, will be used by Seller solely to render services or provide goods to Purchaser. Seller will not substitute any property or take any action inconsistent with Purchaser’s ownership of such property. While in Seller’s custody or control such property will be held at Seller’s risk, will be kept insured by Seller at its expense for its replacement cost with loss payable to Purchaser, and will be subject to removal at Purchaser’s written request, in which event Seller will prepare such property for shipment and redelivery to Purchaser in the same condition as originally received by Seller, reasonable wear and tear excepted, all at Seller’s expense.

11. Changes

At all times Purchaser will have the right to make changes to this Order, including changes to drawings, designs, configurations, specifications, quantities, methods of shipment or packing and delivery schedules or location of delivery. If any such changes cause an increase or decrease in the cost of or the time required for the performance of any work under this Order, an equitable adjustment will be made in the contract price or delivery schedule, or both, and this Order will be modified in writing accordingly. Nothing in this Section, including any disagreement with Purchaser as to any claimed adjustment, will excuse Seller from proceeding with this Order as changed.

Any claim by the Seller for adjustment under this Section 11 must be in a detailed writing and delivered to Purchaser within five (5) days after the date Seller receives notification of change. Any change will be authorized only by a duly executed amendment to this Order. Information, such as technical information or guidance provided to Seller by representatives of Purchaser, will not be construed as a change within the meaning of this Section. If Seller considers that the conduct of any of Purchaser’s employees has constituted a change under this Order, Seller will immediately notify Purchaser’s Central Procurement Office, in writing, as to the nature of the change and any proposed adjustment, which will then be subject to this Section 11.

12. Compliance with laws

Seller represents and warrants that it is in compliance with and all goods and/or services supplied hereunder have been produced or provided in compliance with the applicable provisions of all national, supranational, federal, state, local laws or ordinances and all related lawful orders, rules and regulations. Seller shall comply with any provisions, representations, or agreements, or contractual clauses required to be included or incorporated by reference or operation of law in any Order. Seller shall be required to obtain and pay for any license, permit, inspection or listing by any public body or certification organization required in connection with the manufacture, performance, completion or delivery of any good and/or service.

13. Anti-corruption & fraud & tip offs

All Seller actions related directly or indirectly to the performance of this Order will comply with all applicable anti-corruption laws. Accordingly, Seller will not offer, promise, or provide any payments, loans, gifts of money, or anything of value to secure an improper advantage or for a corrupt purpose as described in applicable law. The Purchaser has a zero-tolerance policy for corruption, bribery, facilitation payments, fraud, misappropriation of company assets or any other forms of illegal behaviour. The Seller agrees to notify the Purchaser directly at compliance@m-kopa.com or through the Purchaser’s Whistleblowing hotline which is managed by an independent third party by emailing M-KOPA@tip-offs.com or by using www.tip-offs.com for any known or suspected violations of any of the aforementioned.

14. Confidentiality & proprietary information

Notwithstanding any document marking to the contrary, any knowledge or information that the Seller has disclosed or may later disclose to Purchaser, and which in any way relates to the goods or services covered by this Order will not, unless otherwise specifically agreed to in writing by Purchaser, be deemed to be confidential or proprietary information, and will be acquired by Purchaser, free from any restrictions. Seller will not transmit to Purchaser any sensitive personal information, including, but not limited to, identified health information, financial information, social security numbers, biometrics or other personally identified or identifiable information of sensitivity. Seller will keep confidential any information disclosed from the Purchaser including but not limited to technical, process, economic, or other information derived from drawings, specifications and other data furnished by Purchaser in connection with this Order (in whatever form or format) and will not divulge, export, or use, directly or indirectly, such information for the benefit of any other party without obtaining Purchaser’s prior written consent.

Except as required for the efficient performance of this Order, Seller will not use such information or make copies or permit copies to be made of such drawings, specifications, or other data without the prior written consent of Purchaser. If any reproduction is made with prior consent, this notice will be provided. Upon completion or termination of this Order, Seller will promptly return to Purchaser all materials incorporating any such information and any copies, except for one record copy. Seller agrees that no acknowledgement or other information concerning this Order and the goods or services provided will be made public by Seller without the prior written agreement of Purchaser.

15. Patents & data

All records, software, files, data, reports, information, work product, notes, plans, strategies, intellectual property and other information provided by Purchaser or prepared or developed by or for Purchaser pursuant to this PO ( “Work Product”) is the property of the Purchaser and constitutes works made for hire under applicable law. Seller assigns all intellectual property rights in the Work Product to the Purchaser and agrees to complete any documents requested by the Purchaser to perfect its ownership in the Work Product. Seller waives all moral rights related to the Work Product. Seller grants to the Purchaser an unlimited, nonexclusive license to use, copy, modify or create derivative works of any materials delivered to the Purchaser which are developed prior to or outside of this Order. All materials, equipment and other information supplied to Seller by the Purchaser will remain the property of Purchaser and be returned to the Purchaser when no longer needed by Seller in the provision of services or goods and in any event upon the expiration or earlier termination of this Order.

16. Work on purchasers’s premises

If Seller’s work under this Order requires Seller to be on the premises of Purchaser or at Purchaser’s direction, Seller will take all necessary precautions to prevent any injury to persons or damage to property, including following any rules, procedures or other requirements of Purchaser.

17. Insurance

Seller will secure and maintain insurance providing sufficient coverage to comply with its obligations and duty to indemnify as required under this Order. Within five (5) days of receipt of a request from the Purchaser, Seller agrees to provide the Purchaser with a certificate of insurance evidencing the Seller’s insurance coverages.

18. Termination

Purchaser may terminate all or any part of this Order for convenience at any time by written notice to Seller. Upon such termination, Purchaser’s liability will be limited to reasonable termination charges mutually agreed by Seller and Purchaser, provided that Seller must specify any proposed charges in writing within fifteen (15) days after termination. This Order shall terminate automatically, without notice, if Seller becomes insolvent or the subject of any proceeding under the laws relating to bankruptcy or the relief of debtors.

19. Miscellaneous

We believe that ensuring a safe environment in which anyone feels comfortable speaking up is the most important aspect of creating a healthy company culture. We believe the M-KOPA society will benefit from everyone having the opportunity to speak up.

SpeakUp enables organizations to detect unethical behavior as soon as possible.It is an interactive platform that makes it possible to anonymously report and communicate about unethical behavior 24/7/365 days per year.

Here’s how you can anonymously report unethical behavior via SpeakUp: https://bit.ly/MKOPASpeak_Up.

You agree to grant to M-KOPA, its employees or agents all reasonable facilities and opportunity for the inspection of the Product at any time, subject to reasonable notice, including but not limited to with respect to any repair services or for the purpose of investigating any fraudulent uses of the Product during the term of the Agreement.

M-KOPA Product Credit Terms & Conditions

The following product credit terms and conditions (hereinafter referred to as the “Terms”) as updated from time to time, are applicable to all M-KOPA Products unless clearly stated otherwise. These Terms as well as the M-KOPA customer privacy policy (the “Privacy Policy”) as updated from time to time, are explicitly incorporated into the Product Application & Credit Agreement (the “Agreement”). The Customer (“You” or “Your”) should therefore read the below Terms together with Your Agreement and the Privacy Policy. Acceptance of the Agreement shall constitute acceptance of these Terms and the Privacy Policy. At M-KOPA we take the privacy of our customers and their data very seriously.

Any questions, complaints, claims, or other communications relating to these Terms should be directed to customerservice@m-kopa.com.

1. Definitions

These Terms use certain capitalised terms that are also used in Your Agreement. Any capitalised terms that are used in these Terms and not otherwise defined have the same meaning as in the Agreement. For example, terms such as Product, Initial Payment, Credit Payment and Total Payment have the same meaning when they are used in these Terms and in Your Agreement. These Terms also have the following additional defined terms:

“Account” means the M-KOPA customer account used for purposes of receiving payment of Your Initial Payment and applicable Credit Payment.“Additional Product” means any follow-on or upgrade product and/or service that is purchased by You.
“Gateway Product” means the Product initially purchased by You which may inform your eligibility to purchase one or more Additional Products.“Product” means the product and/or service purchased from M-KOPA under the Agreement.

2. The credit payment

You agree to pay the applicable Credit Payment by the required date (or in advance at Your choosing) and You agree that the applicable Credit Charge, shall be applied toward Your M-KOPA outstanding balance, until You have paid the Total Payment within the period as set out in the Agreement. Further, You agree that Your Credit Charge may change if You purchase Additional Products. The Credit Charge is non-refundable under any circumstance, including upon return of the Product pursuant to paragraph 13 (Return of Product).

3. Mode of payment

The Initial Payment and all applicable Credit Payments towards purchase of the Product and/or any Additional Product shall be made through:

Country
In Kenya
Payment Details
M-PESA Pay Bill Number 333222
In Uganda
For MTN: Dial *165#
For Airtel-Dial *185*44#
In Nigeria
Authorized direct debit to M-KOPA
In Ghana
Dial * 718 * 287 #

No payments by cash will be accepted by M-KOPA nor should they be made under any circumstances for the purchase of any Product or the payment of the Credit Payment. Please inform M-KOPA customer service or email CustomerProtection@m-kopa.com immediately if You are requested to make any cash payment or otherwise feel if you have been given wrong, misleading or potentially fraudulent information by any employee or agent of M-KOPA.

4. Promotion/Offers

By reason of your purchase of the Product, You may be identified by M-KOPA as eligible for various promotions and offers (including but not limited to airtime and data bundles). You will receive an SMS or WhatsApp notification informing You of the available promotions and the applicable terms and conditions. Those terms and conditions will be supplemental and subject to the Agreement and these Terms. M-KOPA reserves the right to amend or vary the terms and conditions relating to such promotions/ offers.  You may choose to opt out of receiving such promotions and offers by emailing dataprivacy@m-kopa.com or contacting M-KOPA Customer Services.

5. Product deactivation & credit reporting

If You fail to fulfil your contractual obligations including keeping current on your Credit Payments, M-KOPA may deactivate your Product (including by exercising a seller’s lien as applicable under this credit sale arrangement) until you become current again in your Credit Payments. This could require the payment of more than one Credit Payment in order to unblock your Account.

If you fail to keep current on the Credit Payments for the Product, your credit history may be reported to a credit reference bureau and may not be eligible for Additional Products and services from M-KOPA.

6. Additional products

Once You finalize payment of the Gateway Product with a good credit performance, You will then qualify to apply for an Additional Product. For the avoidance of doubt, the Additional Product can be another Product, or digital financial services such as cash loans or e-vouchers or any other product that M-KOPA is offering as an Additional Product.

Where you successfully purchase an Additional Product, You agree that such Additional Product will be subject to the applicable terms and conditions of such Additional Product and where applicable, these Terms. For the purposes of these Terms, the term Product will include an Additional Product.If fail to keep current on the Credit Payment for such Additional Product, M-KOPA may deactivate your Additional Product and the Gateway Product (even if you have paid the Total Payment for the Gateway Product) until you become current again in your Credit Payments. This could require the payment of more than one Credit Payment to unblock your Account.

7. M-KOPA administrative right over your product

You understand that M-KOPA shall have certain administration rights over your Product which will allow M-KOPA to restrict usage of and potentially disable the Product (including by exercising a seller’s lien as applicable under this credit sale arrangement) if your Credit Payment is not paid or your Account is otherwise in arrears. Further, you understand that these administration rights may be reactivated even if you have paid off the Total Payment for the Product in the event that you purchase Additional Products or services from M-KOPA.

You agree not to attempt to alter the administration rights granted to M-KOPA on the Product and any attempt to do so could void the warranty of the Product and violate the intellectual property rights of M-KOPA and the relevant Product manufacturer.

8. Intended use

All Products should be used solely in accordance with the instructions provided in the relevant Product instruction manuals and Product end-user license agreements (where applicable). Further, Your Product must be maintained in proper repair and working condition in order to receive any applicable refund on your Product and You agree that if You contravene any of the instructions provided in the Product manuals, it will result in the forfeiture of the warranty of the Product.

9. M-KOPA credit scoring scheme

M-KOPA may request Your permission to access credit scoring information from third parties including mobile network operators, financial service providers or other third parties such as credit reference bureaus or similar credit scoring companies. This information would be used to 1) contact you (where applicable); and 2) establish a credit scoring profile, and such credit score could lead to different pricing for the Product depending on your score. You have the option to accept or deny this request.

By agreeing to M-KOPA’s request (which may be sent to You in different formats, including via USSD at the point-of-sale), You agree that M-KOPA will initiate a process to retrieve Your personal information and your credit scoring (including via a information call) and You agree to all applicable personal data sharing between M-KOPA and such third party credit score provider, subject to applicable laws.

You may withdraw your consent at any point during the process by refusing any further permission requests. The Privacy Policy shall apply to all aspects of the credit scoring information request. M-KOPA takes no responsibility for any error, delay, failure, or non-availability of the credit scoring service, and you shall hold M-KOPA harmless against any detriment, damage, or loss you may sustain as a result of non-favorable credit information, non-availability of credit information, or any error, delay, failure, or non-availability of the service.

10. Contact information

You consent that M-KOPA will send electronic communications to the contact information which You provide in the Agreement. You are solely responsible for the accuracy of such information and must ensure that all contact information provided to M-KOPA is complete and accurate in order to allow M-KOPA to contact You or the Alternative Contact Person during reasonable hours regarding Your Account.

You agree that it shall be Your sole responsibility to keep Your contact information current and You will be deemed to have received any notice issued based on the contact information provided by You to M-KOPA, whether or not You actually receive the information or not.

11. Lost, stolen or damaged products

I understand that M-KOPA is not responsible for the recovery of lost or stolen Products and does not track lost or stolen Products. If my Product is lost or stolen at any point, during or after the term of the Agreement, it is my responsibility to report the matter to the appropriate police authorities. I further agree that even if the Product gets lost, stolen or damaged while out-of-warranty, I will be responsible for paying the applicable Credit Payment and the Total Payment for my Product.

Where You purchase the Product with an insurance cover and the Product is thereafter lost or stolen, then provided You meet M-KOPA’s insurance claim qualification criteria You will be eligible for a replacement ‘2nd life phone’ (subject to any other applicable terms and condition).

12. Ownership of the product

You understand that You shall take ownership of the Product at purchase under a credit sale arrangement but that M-KOPA and/or the Product manufacturer (as applicable) shall at all times retain ownership to all of its intellectual property (whether registered or not) (the “Product Intellectual Property”) that is used to operate the Product and the data generated therefrom, in both cases even after the Total Payment is paid.  You must not tamper, open, alter the administration rights, reverse engineer, misappropriate or modify and/or use the Product Intellectual Property in any other way not authorised by M-KOPA and/or the Product manufacturer (as applicable) or aid any third party to do the same. Any contravention of this condition will result in forfeiture of the Product warranty, void any right to a refund and result in a fundamental breach of the Agreement.

For avoidance of doubt any tampering and /or modification of the M-KOPA Intellectual Property shall constitute willful destruction of M-KOPA’s property and may result in criminal charges and such other civil actions being brought against any person, whether You or a third party, found to have tampered and/or modified the M-KOPA Intellectual Property regardless of whether the Total Payment of the Product has been paid.

13. Assignment

You agree that You will not transfer or assign any rights or obligations under the Agreement without the prior written consent of M-KOPA. M-KOPA has the right to transfer or assign the Agreement or any right or obligation under the Agreement at any time. Further, You consent to such assignment by M- KOPA of any rights or obligations therein, provided that such transfer does not alter my rights and obligations under the Agreement to Your detriment.

14. Inspection of M-KOPA

You agree to grant to M-KOPA, its employees or agents all reasonable facilities and opportunity for the inspection of the Product at any time, subject to reasonable notice, including but not limited to with respect to any repair services or for the purpose of investigating any fraudulent uses of the Product during the term of the Agreement.

15. Return of product

You agree to grant to M-KOPA, its employees or agents all reasonable facilities and opportunity for the inspection of the Product at any time, subject to reasonable notice, including but not limited to with respect to any repair services or for the purpose of investigating any fraudulent uses of the Product during the term of the Agreement.

16. Warranties

M-KOPA will repair or replace a Product, in accordance with the warranty terms provided by the Product manufacturer. The warranty is valid only if the Product is used as instructed and is not tampered with, opened, modified and/or used in other ways not authorised by M-KOPA, the Agreement and these Terms. The warranty period is as set out in the instruction manual for the relevant Product. M-KOPA reserves the right not to accept any Product that is returned under warranty. Approval from M-KOPA’s customer service is required before a Product can be returned to an M-KOPA service center or shop for repair or replacement. Once approval has been obtained, You should return Your faulty Product to the nearest M- KOPA shop or authorized service center for repairs or replacement.

M-KOPA Product Credit Terms & Conditions

17.1 Inform of Approval

Once You finalize payment of the Gateway Product with a good credit performance, You will then qualify to apply for an Additional Product. For the avoidance of doubt, the Additional Product can be another Product, or digital financial services such as cash loans or e-vouchers or any other product that M-KOPA is offering as an Additional Product.Where you successfully purchase an Additional Product,

You agree that such Additional Product will be subject to the applicable terms and conditions of such Additional Product and where applicable, these Terms. For the purposes of these Terms, the term Product will include an Additional Product.If fail to keep current on the Credit Payment for such Additional Product, M-KOPA may deactivate your Additional Product and the Gateway Product (even if you have paid the Total Payment for the Gateway Product) until you become current again in your Credit Payments. This could require the payment of more than one Credit Payment to unblock your Account.

17.2 Activate the Product

M-KOPA will ensure the Product is activated once the Initial Payment is received and, thereafter, whenever Your Account has a positive credit balance. M-KOPA shall not accept responsibility if a Product does not receive credit due to third party system or network outages which result in a failure for a Product to receive credits.

17.3 End Billing when Total Payment is Paid

M-KOPA will complete billing for the Product and end further Credit Payment requirements once the Total Payment of the Product is paid. M-KOPA reserves the right to reactivate and maintain the module and billing for any Additional Products that You may purchase.

17.4 Protect Data

M-KOPA will complete billing for the Product and end further Credit Payment requirements once the Total Payment of the Product is paid. M-KOPA reserves the right to reactivate and maintain the module and billing for any Additional Products that You may purchase.

17.5 Ownership of Carbon Credits

M-KOPA shall have absolute and sole ownership of the carbon credits obtained from the usage of the Product.

17.6 Product Installation (where applicable)

M-KOPA shall train its agents on how to install the Products and shall certify that the Products are in good working condition upon installation with confirmation by You. Where You choose to install the Product on Your own without the assistance of an M-KOPA certified installer, You shall be liable for any negligent handling which leads to the failure of the Product to perform as expected. This includes any damage or breakage suffered in the course of installation.

18. Third-party charges

You acknowledge that from time to time You may communicate with M-KOPA via USSD code in order to perform certain transactions on Your Account. You agree that such communication is made possible by third-party service providers and is subject to third-party charges. These third-party charges are separate from the Credit Charge and are paid by You directly to the third-party service provider whether disclosed by the third-party service provider in advance or otherwise. You agree that all charges payable to third-party service providers, including all applicable taxes, are Your sole responsibility.

19. Sim locked product

To the extent this paragraph is applicable to You, the following definitions will apply to this paragraph
19: 19.1.1. “Dual SIM” means a smartphone or mobile phone that can hold two different SIM cards at the same time.
19.1.2. “MNO” means the designated mobile network operator in partnership with M-KOPA.
19.1.3. “Offer Period” means the duration within which Your Total Payment remains outstanding or a period not exceeding twelve (12) months from the date You purchase the Product, whichever is earlier.
19.1.4. “SIM Lock” means the configuration applied to a Dual SIM Product that limits the full use of the Product to the MNO’s network.
19.1.5. “Primary Port” means any on the ports in the Product containing the MNO SIM.
19.1.6. “Product” means the SIM-Locked Dual SIM product to be purchased from M-KOPA. 
19.1.7. “Secondary Port” means any port in the Product holding any other mobile network provider SIM.

19.2 The Offer

19.2.1. M-KOPA offers You the Product in line with this paragraph 19 (the “Offer”). You understand that the SIM Lock is in exchange for complimentary offers by the MNO and shall apply for the duration of the Offer Period. By purchasing the Product, that Your Product will be SIM locked.
19.2.2. The Product will remain SIM-Locked for the Offer Period. Notwithstanding the Offer Period, M-KOPA and/or the MNO may, jointly or independently, in their sole and absolute discretion, amend the duration of the Offer Period to a shorter period, or withdraw the Offer in its entirety, with notice to You. At the end of the Offer Period, You will be free to use any MNO’s SIM or service on your Product without any further limitation.

19.3 Terms of use

19.3.1. At all times during the Offer Period, the Product shall only connect to mobile network services if the MNO’s SIM card is inserted in the Primary Port.
19.3.2. With the MNO SIM in the Primary Port, You will be able to access voice, SMS function and mobile data. Where you insert another SIM card in the Secondary Port, the use of that other SIM card will be limited to voice and SMS function only.
19.3.3. You agree not to tamper with or modify the Product’s software or hardware in any way that could affect the SIM Lock functionality during the Offer Period. Any such interference or modifications may result in the termination of warranty, criminal charges being brought against You and such other civil actions by M-KOPA.
19.3.4. M-KOPA will under no circumstance be liable to You for any error, delay, failure or non-availability of the service, and you shall hold M-KOPA harmless against any damage or loss you may sustain as a result of possession and/or use of the MNO SIM, MNO network services, or any error, delay, failure or non-availability of the MNO service.

20. General provisions

No waiver of these Terms by M-KOPA will be deemed a further or continuing waiver of such term or condition or any other term or condition, and any failure of M-KOPA to assert a right or provision under these Terms will not constitute a waiver of such right or provision. If any provision of these Terms is held by a court of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision will be modified to reflect the M- KOPA’s and Your intention or eliminated to the minimum extent such that the remaining provisions of the Terms will continue in full force and effect.

These Terms will be governed and construed in accordance with the applicable laws of Your domicile. Any dispute or claim arising out of or in connection with it or its subject matter or formation (including non-contractual disputes or claims) shall be governed by, construed and determined in accordance with the applicable law of Your domicile. For the avoidance of doubt, shall be governed by, and construed in accordance with:

Kenya - the laws of Kenya and the courts of Kenya shall have exclusive jurisdiction to settle any dispute or claim that arises out of or in connection with these Terms or its subject matter or formation (including non-contractual disputes or claims).

Uganda - the laws of Uganda and the courts of Uganda shall have exclusive jurisdiction to settle any dispute or claim that arises out of or in connection with these Terms or its subject matter or formation (including non-contractual disputes or claims).

Nigeria - the laws of Federal State of Nigeria and the courts of Nigeria shall have exclusive jurisdiction to settle any dispute or claim that arises out of or in connection with these Terms or its subject matter or formation (including non- contractual disputes or claims).Ghana – the laws of Republic of Ghana and the courts of Ghana shall have exclusive jurisdiction to settle any dispute or claim that arises out of or in connection with these Terms or its subject matter or formation (including non-contractual disputes or claims).

Tanzania – the laws of Republic of Tanzania and the courts of Tanzania shall have exclusive jurisdiction to settle any dispute or claim that arises out of or in connection with these Terms or its subject matter or formation (including non-contractual disputes or claims).

South Africa – the laws of South Africa and the courts of South Africa shall have exclusive jurisdiction to settle any dispute or claim that arises out of or in connection with these Terms or its subject matter or formation (including non-contractual disputes or claims).

M-KOPA Product Credit Terms & Conditions

The following product credit terms and conditions (hereinafter referred to as the “Terms”) as updated from time to time, are applicable to all M-KOPA Products unless clearly stated otherwise. These Terms as well as the M-KOPA customer privacy policy (the “Privacy Policy”) as updated from time to time, are explicitly incorporated into the Product Application & Credit Agreement (the “Agreement”). The Customer (“You” or “Your”) should therefore read the below Terms together with Your Agreement and the Privacy Policy. Acceptance of the Agreement shall constitute acceptance of these Terms and the Privacy Policy. At M-KOPA we take the privacy of our customers and their data very seriously.

Any questions, complaints, claims, or other communications relating to these Terms should be directed to customerservice@m-kopa.com.

1. Definitions

These Terms use certain capitalised terms that are also used in Your Agreement. Any capitalised terms that are used in these Terms and not otherwise defined have the same meaning as in the Agreement. For example, terms such as Product, Initial Payment, Credit Payment and Total Payment have the same meaning when they are used in these Terms and in Your Agreement. These Terms also have the following additional defined terms:

“Account” means the M-KOPA customer account used for purposes of receiving payment of Your Initial Payment and applicable Credit Payment.“Additional Product” means any follow-on or upgrade product and/or service that is purchased by You.
“Gateway Product” means the Product initially purchased by You which may inform your eligibility to purchase one or more Additional Products.“Product” means the product and/or service purchased from M-KOPA under the Agreement.

2. The credit payment

You agree to pay the applicable Credit Payment by the required date (or in advance at Your choosing) and You agree that the applicable Credit Charge, shall be applied toward Your M-KOPA outstanding balance, until You have paid the Total Payment within the period as set out in the Agreement. Further, You agree that Your Credit Charge may change if You purchase Additional Products. The Credit Charge is non-refundable under any circumstance, including upon return of the Product pursuant to paragraph 13 (Return of Product).

3. Mode of payment

The Initial Payment and all applicable Credit Payments towards purchase of the Product and/or any Additional Product shall be made through:

Country
In Kenya
Payment Details
M-PESA Pay Bill Number 333222
In Uganda
For MTN: Dial *165#
For Airtel-Dial *185*44#
In Nigeria
Authorized direct debit to M-KOPA
In Ghana
Dial * 718 * 287 #

No payments by cash will be accepted by M-KOPA nor should they be made under any circumstances for the purchase of any Product or the payment of the Credit Payment. Please inform M-KOPA customer service or email CustomerProtection@m-kopa.com immediately if You are requested to make any cash payment or otherwise feel if you have been given wrong, misleading or potentially fraudulent information by any employee or agent of M-KOPA.

4. Promotion/Offers

By reason of your purchase of the Product, You may be identified by M-KOPA as eligible for various promotions and offers (including but not limited to airtime and data bundles). You will receive an SMS or WhatsApp notification informing You of the available promotions and the applicable terms and conditions. Those terms and conditions will be supplemental and subject to the Agreement and these Terms. M-KOPA reserves the right to amend or vary the terms and conditions relating to such promotions/ offers.  You may choose to opt out of receiving such promotions and offers by emailing dataprivacy@m-kopa.com or contacting M-KOPA Customer Services.

5. Product deactivation & credit reporting

If You fail to fulfil your contractual obligations including keeping current on your Credit Payments, M-KOPA may deactivate your Product (including by exercising a seller’s lien as applicable under this credit sale arrangement) until you become current again in your Credit Payments. This could require the payment of more than one Credit Payment in order to unblock your Account.

If you fail to keep current on the Credit Payments for the Product, your credit history may be reported to a credit reference bureau and may not be eligible for Additional Products and services from M-KOPA.

6. Additional products

Once You finalize payment of the Gateway Product with a good credit performance, You will then qualify to apply for an Additional Product. For the avoidance of doubt, the Additional Product can be another Product, or digital financial services such as cash loans or e-vouchers or any other product that M-KOPA is offering as an Additional Product.

Where you successfully purchase an Additional Product, You agree that such Additional Product will be subject to the applicable terms and conditions of such Additional Product and where applicable, these Terms. For the purposes of these Terms, the term Product will include an Additional Product.If fail to keep current on the Credit Payment for such Additional Product, M-KOPA may deactivate your Additional Product and the Gateway Product (even if you have paid the Total Payment for the Gateway Product) until you become current again in your Credit Payments. This could require the payment of more than one Credit Payment to unblock your Account.

7. M-KOPA administrative right over your product

You understand that M-KOPA shall have certain administration rights over your Product which will allow M-KOPA to restrict usage of and potentially disable the Product (including by exercising a seller’s lien as applicable under this credit sale arrangement) if your Credit Payment is not paid or your Account is otherwise in arrears. Further, you understand that these administration rights may be reactivated even if you have paid off the Total Payment for the Product in the event that you purchase Additional Products or services from M-KOPA.

You agree not to attempt to alter the administration rights granted to M-KOPA on the Product and any attempt to do so could void the warranty of the Product and violate the intellectual property rights of M-KOPA and the relevant Product manufacturer.

8. Intended use

All Products should be used solely in accordance with the instructions provided in the relevant Product instruction manuals and Product end-user license agreements (where applicable). Further, Your Product must be maintained in proper repair and working condition in order to receive any applicable refund on your Product and You agree that if You contravene any of the instructions provided in the Product manuals, it will result in the forfeiture of the warranty of the Product.

9. M-KOPA credit scoring scheme

M-KOPA may request Your permission to access credit scoring information from third parties including mobile network operators, financial service providers or other third parties such as credit reference bureaus or similar credit scoring companies. This information would be used to 1) contact you (where applicable); and 2) establish a credit scoring profile, and such credit score could lead to different pricing for the Product depending on your score. You have the option to accept or deny this request.

By agreeing to M-KOPA’s request (which may be sent to You in different formats, including via USSD at the point-of-sale), You agree that M-KOPA will initiate a process to retrieve Your personal information and your credit scoring (including via a information call) and You agree to all applicable personal data sharing between M-KOPA and such third party credit score provider, subject to applicable laws.

You may withdraw your consent at any point during the process by refusing any further permission requests. The Privacy Policy shall apply to all aspects of the credit scoring information request. M-KOPA takes no responsibility for any error, delay, failure, or non-availability of the credit scoring service, and you shall hold M-KOPA harmless against any detriment, damage, or loss you may sustain as a result of non-favorable credit information, non-availability of credit information, or any error, delay, failure, or non-availability of the service.

10. Contact information

You consent that M-KOPA will send electronic communications to the contact information which You provide in the Agreement. You are solely responsible for the accuracy of such information and must ensure that all contact information provided to M-KOPA is complete and accurate in order to allow M-KOPA to contact You or the Alternative Contact Person during reasonable hours regarding Your Account.

You agree that it shall be Your sole responsibility to keep Your contact information current and You will be deemed to have received any notice issued based on the contact information provided by You to M-KOPA, whether or not You actually receive the information or not.

11. Lost, stolen or damaged products

I understand that M-KOPA is not responsible for the recovery of lost or stolen Products and does not track lost or stolen Products. If my Product is lost or stolen at any point, during or after the term of the Agreement, it is my responsibility to report the matter to the appropriate police authorities. I further agree that even if the Product gets lost, stolen or damaged while out-of-warranty, I will be responsible for paying the applicable Credit Payment and the Total Payment for my Product.

Where You purchase the Product with an insurance cover and the Product is thereafter lost or stolen, then provided You meet M-KOPA’s insurance claim qualification criteria You will be eligible for a replacement ‘2nd life phone’ (subject to any other applicable terms and condition).

12. Ownership of the product

You understand that You shall take ownership of the Product at purchase under a credit sale arrangement but that M-KOPA and/or the Product manufacturer (as applicable) shall at all times retain ownership to all of its intellectual property (whether registered or not) (the “Product Intellectual Property”) that is used to operate the Product and the data generated therefrom, in both cases even after the Total Payment is paid.  You must not tamper, open, alter the administration rights, reverse engineer, misappropriate or modify and/or use the Product Intellectual Property in any other way not authorised by M-KOPA and/or the Product manufacturer (as applicable) or aid any third party to do the same. Any contravention of this condition will result in forfeiture of the Product warranty, void any right to a refund and result in a fundamental breach of the Agreement.

For avoidance of doubt any tampering and /or modification of the M-KOPA Intellectual Property shall constitute willful destruction of M-KOPA’s property and may result in criminal charges and such other civil actions being brought against any person, whether You or a third party, found to have tampered and/or modified the M-KOPA Intellectual Property regardless of whether the Total Payment of the Product has been paid.

13. Assignment

You agree that You will not transfer or assign any rights or obligations under the Agreement without the prior written consent of M-KOPA. M-KOPA has the right to transfer or assign the Agreement or any right or obligation under the Agreement at any time. Further, You consent to such assignment by M- KOPA of any rights or obligations therein, provided that such transfer does not alter my rights and obligations under the Agreement to Your detriment.

14. Inspection of M-KOPA

You agree to grant to M-KOPA, its employees or agents all reasonable facilities and opportunity for the inspection of the Product at any time, subject to reasonable notice, including but not limited to with respect to any repair services or for the purpose of investigating any fraudulent uses of the Product during the term of the Agreement.

15. Return of product

You agree to grant to M-KOPA, its employees or agents all reasonable facilities and opportunity for the inspection of the Product at any time, subject to reasonable notice, including but not limited to with respect to any repair services or for the purpose of investigating any fraudulent uses of the Product during the term of the Agreement.

16. Warranties

M-KOPA will repair or replace a Product, in accordance with the warranty terms provided by the Product manufacturer. The warranty is valid only if the Product is used as instructed and is not tampered with, opened, modified and/or used in other ways not authorised by M-KOPA, the Agreement and these Terms. The warranty period is as set out in the instruction manual for the relevant Product. M-KOPA reserves the right not to accept any Product that is returned under warranty. Approval from M-KOPA’s customer service is required before a Product can be returned to an M-KOPA service center or shop for repair or replacement. Once approval has been obtained, You should return Your faulty Product to the nearest M- KOPA shop or authorized service center for repairs or replacement.

M-KOPA Product Credit Terms & Conditions

17.1 Inform of Approval

Once You finalize payment of the Gateway Product with a good credit performance, You will then qualify to apply for an Additional Product. For the avoidance of doubt, the Additional Product can be another Product, or digital financial services such as cash loans or e-vouchers or any other product that M-KOPA is offering as an Additional Product.Where you successfully purchase an Additional Product,

You agree that such Additional Product will be subject to the applicable terms and conditions of such Additional Product and where applicable, these Terms. For the purposes of these Terms, the term Product will include an Additional Product.If fail to keep current on the Credit Payment for such Additional Product, M-KOPA may deactivate your Additional Product and the Gateway Product (even if you have paid the Total Payment for the Gateway Product) until you become current again in your Credit Payments. This could require the payment of more than one Credit Payment to unblock your Account.

17.2 Activate the Product

M-KOPA will ensure the Product is activated once the Initial Payment is received and, thereafter, whenever Your Account has a positive credit balance. M-KOPA shall not accept responsibility if a Product does not receive credit due to third party system or network outages which result in a failure for a Product to receive credits.

17.3 End Billing when Total Payment is Paid

M-KOPA will complete billing for the Product and end further Credit Payment requirements once the Total Payment of the Product is paid. M-KOPA reserves the right to reactivate and maintain the module and billing for any Additional Products that You may purchase.

17.4 Protect Data

M-KOPA will complete billing for the Product and end further Credit Payment requirements once the Total Payment of the Product is paid. M-KOPA reserves the right to reactivate and maintain the module and billing for any Additional Products that You may purchase.

17.5 Ownership of Carbon Credits

M-KOPA shall have absolute and sole ownership of the carbon credits obtained from the usage of the Product.

17.6 Product Installation (where applicable)

M-KOPA shall train its agents on how to install the Products and shall certify that the Products are in good working condition upon installation with confirmation by You. Where You choose to install the Product on Your own without the assistance of an M-KOPA certified installer, You shall be liable for any negligent handling which leads to the failure of the Product to perform as expected. This includes any damage or breakage suffered in the course of installation.

18. Third-party charges

You acknowledge that from time to time You may communicate with M-KOPA via USSD code in order to perform certain transactions on Your Account. You agree that such communication is made possible by third-party service providers and is subject to third-party charges. These third-party charges are separate from the Credit Charge and are paid by You directly to the third-party service provider whether disclosed by the third-party service provider in advance or otherwise. You agree that all charges payable to third-party service providers, including all applicable taxes, are Your sole responsibility.

19. Sim locked product

To the extent this paragraph is applicable to You, the following definitions will apply to this paragraph
19: 19.1.1. “Dual SIM” means a smartphone or mobile phone that can hold two different SIM cards at the same time.
19.1.2. “MNO” means the designated mobile network operator in partnership with M-KOPA.
19.1.3. “Offer Period” means the duration within which Your Total Payment remains outstanding or a period not exceeding twelve (12) months from the date You purchase the Product, whichever is earlier.
19.1.4. “SIM Lock” means the configuration applied to a Dual SIM Product that limits the full use of the Product to the MNO’s network.
19.1.5. “Primary Port” means any on the ports in the Product containing the MNO SIM.
19.1.6. “Product” means the SIM-Locked Dual SIM product to be purchased from M-KOPA. 
19.1.7. “Secondary Port” means any port in the Product holding any other mobile network provider SIM.

19.2 The Offer

19.2.1. M-KOPA offers You the Product in line with this paragraph 19 (the “Offer”). You understand that the SIM Lock is in exchange for complimentary offers by the MNO and shall apply for the duration of the Offer Period. By purchasing the Product, that Your Product will be SIM locked.
19.2.2. The Product will remain SIM-Locked for the Offer Period. Notwithstanding the Offer Period, M-KOPA and/or the MNO may, jointly or independently, in their sole and absolute discretion, amend the duration of the Offer Period to a shorter period, or withdraw the Offer in its entirety, with notice to You. At the end of the Offer Period, You will be free to use any MNO’s SIM or service on your Product without any further limitation.

19.3 Terms of use

19.3.1. At all times during the Offer Period, the Product shall only connect to mobile network services if the MNO’s SIM card is inserted in the Primary Port.
19.3.2. With the MNO SIM in the Primary Port, You will be able to access voice, SMS function and mobile data. Where you insert another SIM card in the Secondary Port, the use of that other SIM card will be limited to voice and SMS function only.
19.3.3. You agree not to tamper with or modify the Product’s software or hardware in any way that could affect the SIM Lock functionality during the Offer Period. Any such interference or modifications may result in the termination of warranty, criminal charges being brought against You and such other civil actions by M-KOPA.
19.3.4. M-KOPA will under no circumstance be liable to You for any error, delay, failure or non-availability of the service, and you shall hold M-KOPA harmless against any damage or loss you may sustain as a result of possession and/or use of the MNO SIM, MNO network services, or any error, delay, failure or non-availability of the MNO service.

20. General provisions

No waiver of these Terms by M-KOPA will be deemed a further or continuing waiver of such term or condition or any other term or condition, and any failure of M-KOPA to assert a right or provision under these Terms will not constitute a waiver of such right or provision. If any provision of these Terms is held by a court of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision will be modified to reflect the M- KOPA’s and Your intention or eliminated to the minimum extent such that the remaining provisions of the Terms will continue in full force and effect.

These Terms will be governed and construed in accordance with the applicable laws of Your domicile. Any dispute or claim arising out of or in connection with it or its subject matter or formation (including non-contractual disputes or claims) shall be governed by, construed and determined in accordance with the applicable law of Your domicile. For the avoidance of doubt, shall be governed by, and construed in accordance with:

Kenya - the laws of Kenya and the courts of Kenya shall have exclusive jurisdiction to settle any dispute or claim that arises out of or in connection with these Terms or its subject matter or formation (including non-contractual disputes or claims).

Uganda - the laws of Uganda and the courts of Uganda shall have exclusive jurisdiction to settle any dispute or claim that arises out of or in connection with these Terms or its subject matter or formation (including non-contractual disputes or claims).

Nigeria - the laws of Federal State of Nigeria and the courts of Nigeria shall have exclusive jurisdiction to settle any dispute or claim that arises out of or in connection with these Terms or its subject matter or formation (including non- contractual disputes or claims).Ghana – the laws of Republic of Ghana and the courts of Ghana shall have exclusive jurisdiction to settle any dispute or claim that arises out of or in connection with these Terms or its subject matter or formation (including non-contractual disputes or claims).

Tanzania – the laws of Republic of Tanzania and the courts of Tanzania shall have exclusive jurisdiction to settle any dispute or claim that arises out of or in connection with these Terms or its subject matter or formation (including non-contractual disputes or claims).

South Africa – the laws of South Africa and the courts of South Africa shall have exclusive jurisdiction to settle any dispute or claim that arises out of or in connection with these Terms or its subject matter or formation (including non-contractual disputes or claims).

M-KOPA Product Credit Terms & Conditions

The following product credit terms and conditions (hereinafter referred to as the “Terms”) as updated from time to time, are applicable to all M-KOPA Products unless clearly stated otherwise. These Terms as well as the M-KOPA customer privacy policy (the “Privacy Policy”) as updated from time to time, are explicitly incorporated into the Product Application & Credit Agreement (the “Agreement”). The Customer (“You” or “Your”) should therefore read the below Terms together with Your Agreement and the Privacy Policy. Acceptance of the Agreement shall constitute acceptance of these Terms and the Privacy Policy. At M-KOPA we take the privacy of our customers and their data very seriously.

Any questions, complaints, claims, or other communications relating to these Terms should be directed to customerservice@m-kopa.com.

1. Definitions

These Terms use certain capitalised terms that are also used in Your Agreement. Any capitalised terms that are used in these Terms and not otherwise defined have the same meaning as in the Agreement. For example, terms such as Product, Initial Payment, Credit Payment and Total Payment have the same meaning when they are used in these Terms and in Your Agreement. These Terms also have the following additional defined terms:

“Account” means the M-KOPA customer account used for purposes of receiving payment of Your Initial Payment and applicable Credit Payment.
“Additional Product” means any follow-on or upgrade product and/or service that is purchased by You.
“Gateway Product” means the Product initially purchased by You which may inform your eligibility to purchase one or more Additional Products.
“Product” means the product and/or service purchased from M-KOPA under the Agreement.

2. The credit payment

You agree to pay the applicable Credit Payment by the required date (or in advance at Your choosing) and You agree that the applicable Credit Payment, shall be applied toward Your M-KOPA outstanding balance, until You have paid the Total Payment within the period as set out in the Agreement. Further, You agree that Your Credit Payment may change if You purchase Additional Products. The Credit Payment is non-refundable under any circumstance, including upon return of the Product pursuant to paragraph 13 (Return of Product).

3. Mode of payment

The Initial Payment and all applicable Credit Payments towards purchase of the Product and/or any Additional Product shall be made through:

Country
In Kenya
Payment Details
M-PESA Pay Bill Number 333222
In Uganda
For MTN: Dial *165#
For Airtel-Dial *185*44#
In Nigeria
Authorized direct debit to M-KOPA
In Ghana
Dial * 718 * 287 #

No payments by cash will be accepted by M-KOPA nor should they be made under any circumstances for the purchase of any Product or the payment of the Credit Payment. Please inform M-KOPA customer service or email CustomerProtection@m-kopa.com immediately if You are requested to make any cash payment or otherwise feel if you have been given wrong, misleading or potentially fraudulent information by any employee or agent of M-KOPA.

4. Promotion/Offers

By reason of your purchase of the Product, You may be identified by M-KOPA as eligible for various promotions and offers (including but not limited to airtime and data bundles). You will receive an SMS or WhatsApp notification informing You of the available promotions and the applicable terms and conditions. Those terms and conditions will be supplemental and subject to the Agreement and these Terms. M-KOPA reserves the right to amend or vary the terms and conditions relating to such promotions/ offers.  You may choose to opt out of receiving such promotions and offers by emailing dataprivacy@m-kopa.com or contacting M-KOPA Customer Services.

5. Product deactivation & credit reporting

If You fail to fulfil your contractual obligations including keeping current on your Credit Payments, M-KOPA may deactivate your Product (including by exercising a seller’s lien as applicable under this credit sale arrangement) until you become current again in your Credit Payments. This could require the payment of more than one Credit Payment in order to unblock your Account.

If you fail to keep current on the Credit Payments for the Product, your credit history may be reported to a credit reference bureau and may not be eligible for Additional Products and services from M-KOPA.

6. Additional products

Once You finalize payment of the Gateway Product with a good credit performance, You will then qualify to apply for an Additional Product. For the avoidance of doubt, the Additional Product can be another Product, or digital financial services such as cash loans or e-vouchers or any other product that M-KOPA is offering as an Additional Product.

Where you successfully purchase an Additional Product, You agree that such Additional Product will be subject to the applicable terms and conditions of such Additional Product and where applicable, these Terms. For the purposes of these Terms, the term Product will include an Additional Product.If fail to keep current on the Credit Payment for such Additional Product, M-KOPA may deactivate your Additional Product and the Gateway Product (even if you have paid the Total Payment for the Gateway Product) until you become current again in your Credit Payments. This could require the payment of more than one Credit Payment to unblock your Account.

7. M-KOPA administrative right over your product

You understand that M-KOPA shall have certain administration rights over your Product which will allow M-KOPA to restrict usage of and potentially disable the Product (including by exercising a seller’s lien as applicable under this credit sale arrangement) if your Credit Payment is not paid or your Account is otherwise in arrears. Further, you understand that these administration rights may be reactivated even if you have paid off the Total Payment for the Product in the event that you purchase Additional Products or services from M-KOPA.

You agree not to attempt to alter the administration rights granted to M-KOPA on the Product and any attempt to do so could void the warranty of the Product and violate the intellectual property rights of M-KOPA and the relevant Product manufacturer.

8. Intended use

All Products should be used solely in accordance with the instructions provided in the relevant Product instruction manuals and Product end-user license agreements (where applicable). Further, Your Product must be maintained in proper repair and working condition in order to receive any applicable refund on your Product and You agree that if You contravene any of the instructions provided in the Product manuals, it will result in the forfeiture of the warranty of the Product.

9. M-KOPA credit scoring scheme

M-KOPA may request Your permission to access credit scoring information from third parties including mobile network operators, financial service providers or other third parties such as credit reference bureaus or similar credit scoring companies. This information would be used to 1) contact you (where applicable); and 2) establish a credit scoring profile, and such credit score could lead to different pricing for the Product depending on your score. You have the option to accept or deny this request.

By agreeing to M-KOPA’s request (which may be sent to You in different formats, including via USSD at the point-of-sale), You agree that M-KOPA will initiate a process to retrieve Your personal information and your credit scoring (including via a information call) and You agree to all applicable personal data sharing between M-KOPA and such third party credit score provider, subject to applicable laws.

You may withdraw your consent at any point during the process by refusing any further permission requests. The Privacy Policy shall apply to all aspects of the credit scoring information request. M-KOPA takes no responsibility for any error, delay, failure, or non-availability of the credit scoring service, and you shall hold M-KOPA harmless against any detriment, damage, or loss you may sustain as a result of non-favorable credit information, non-availability of credit information, or any error, delay, failure, or non-availability of the service.

10. Contact information

You consent that M-KOPA will send electronic communications to the contact information which You provide in the Agreement. You are solely responsible for the accuracy of such information and must ensure that all contact information provided to M-KOPA is complete and accurate in order to allow M-KOPA to contact You or the Alternative Contact Person during reasonable hours regarding Your Account.

You agree that it shall be Your sole responsibility to keep Your contact information current and You will be deemed to have received any notice issued based on the contact information provided by You to M-KOPA, whether or not You actually receive the information or not.

11. Lost, stolen or damaged products

I understand that M-KOPA is not responsible for the recovery of lost or stolen Products and does not track lost or stolen Products. If my Product is lost or stolen at any point, during or after the term of the Agreement, it is my responsibility to report the matter to the appropriate police authorities. I further agree that even if the Product gets lost, stolen or damaged while out-of-warranty, I will be responsible for paying the applicable Credit Payment and the Total Payment for my Product.

Where You purchase the Product with an insurance cover and the Product is thereafter lost or stolen, then provided You meet M-KOPA’s insurance claim qualification criteria You will be eligible for a replacement ‘2nd life phone’ (subject to any other applicable terms and condition).

12. Ownership of the product

You understand that You shall take ownership of the Product at purchase under a credit sale arrangement but that M-KOPA and/or the Product manufacturer (as applicable) shall at all times retain ownership to all of its intellectual property (whether registered or not) (the “Product Intellectual Property”) that is used to operate the Product and the data generated therefrom, in both cases even after the Total Payment is paid.  You must not tamper, open, alter the administration rights, reverse engineer, misappropriate or modify and/or use the Product Intellectual Property in any other way not authorised by M-KOPA and/or the Product manufacturer (as applicable) or aid any third party to do the same. Any contravention of this condition will result in forfeiture of the Product warranty, void any right to a refund and result in a fundamental breach of the Agreement.

For avoidance of doubt any tampering and /or modification of the M-KOPA Intellectual Property shall constitute willful destruction of M-KOPA’s property and may result in criminal charges and such other civil actions being brought against any person, whether You or a third party, found to have tampered and/or modified the M-KOPA Intellectual Property regardless of whether the Total Payment of the Product has been paid.

13. Assignment

You agree that You will not transfer or assign any rights or obligations under the Agreement without the prior written consent of M-KOPA. M-KOPA has the right to transfer or assign the Agreement or any right or obligation under the Agreement at any time. Further, You consent to such assignment by M- KOPA of any rights or obligations therein, provided that such transfer does not alter my rights and obligations under the Agreement to Your detriment.

14. Inspection of M-KOPA

You agree to grant to M-KOPA, its employees or agents all reasonable facilities and opportunity for the inspection of the Product at any time, subject to reasonable notice, including but not limited to with respect to any repair services or for the purpose of investigating any fraudulent uses of the Product during the term of the Agreement.

15. Return of product

You agree to grant to M-KOPA, its employees or agents all reasonable facilities and opportunity for the inspection of the Product at any time, subject to reasonable notice, including but not limited to with respect to any repair services or for the purpose of investigating any fraudulent uses of the Product during the term of the Agreement.

16. Warranties

M-KOPA will repair or replace a Product, in accordance with the warranty terms provided by the Product manufacturer. The warranty is valid only if the Product is used as instructed and is not tampered with, opened, modified and/or used in other ways not authorised by M-KOPA, the Agreement and these Terms. The warranty period is as set out in the instruction manual for the relevant Product. M-KOPA reserves the right not to accept any Product that is returned under warranty. Approval from M-KOPA’s customer service is required before a Product can be returned to an M-KOPA service center or shop for repair or replacement. Once approval has been obtained, You should return Your faulty Product to the nearest M- KOPA shop or authorized service center for repairs or replacement.

M-KOPA Product Credit Terms & Conditions

17.1 Inform of Approval

Once You finalize payment of the Gateway Product with a good credit performance, You will then qualify to apply for an Additional Product. For the avoidance of doubt, the Additional Product can be another Product, or digital financial services such as cash loans or e-vouchers or any other product that M-KOPA is offering as an Additional Product.Where you successfully purchase an Additional Product,

You agree that such Additional Product will be subject to the applicable terms and conditions of such Additional Product and where applicable, these Terms. For the purposes of these Terms, the term Product will include an Additional Product.If fail to keep current on the Credit Payment for such Additional Product, M-KOPA may deactivate your Additional Product and the Gateway Product (even if you have paid the Total Payment for the Gateway Product) until you become current again in your Credit Payments. This could require the payment of more than one Credit Payment to unblock your Account.

17.2 Activate the Product

M-KOPA will ensure the Product is activated once the Initial Payment is received and, thereafter, whenever Your Account has a positive credit balance. M-KOPA shall not accept responsibility if a Product does not receive credit due to third party system or network outages which result in a failure for a Product to receive credits.

17.3 End Billing when Total Payment is Paid

M-KOPA will complete billing for the Product and end further Credit Payment requirements once the Total Payment of the Product is paid. M-KOPA reserves the right to reactivate and maintain the module and billing for any Additional Products that You may purchase.

17.4 Protect Data

M-KOPA will complete billing for the Product and end further Credit Payment requirements once the Total Payment of the Product is paid. M-KOPA reserves the right to reactivate and maintain the module and billing for any Additional Products that You may purchase.

17.5 Ownership of Carbon Credits

M-KOPA shall have absolute and sole ownership of the carbon credits obtained from the usage of the Product.

17.6 Product Installation (where applicable)

M-KOPA shall train its agents on how to install the Products and shall certify that the Products are in good working condition upon installation with confirmation by You. Where You choose to install the Product on Your own without the assistance of an M-KOPA certified installer, You shall be liable for any negligent handling which leads to the failure of the Product to perform as expected. This includes any damage or breakage suffered in the course of installation.

18. Third-party charges

You acknowledge that from time to time You may communicate with M-KOPA via USSD code in order to perform certain transactions on Your Account. You agree that such communication is made possible by third-party service providers and is subject to third-party charges. These third-party charges are separate from the Credit Charge and are paid by You directly to the third-party service provider whether disclosed by the third-party service provider in advance or otherwise. You agree that all charges payable to third-party service providers, including all applicable taxes, are Your sole responsibility.

19. Sim locked product

To the extent this paragraph is applicable to You, the following definitions will apply to this paragraph
19: 19.1.1. “Dual SIM” means a smartphone or mobile phone that can hold two different SIM cards at the same time.
19.1.2. “MNO” means the designated mobile network operator in partnership with M-KOPA.
19.1.3. “Offer Period” means the duration within which Your Total Payment remains outstanding or a period not exceeding twelve (12) months from the date You purchase the Product, whichever is earlier.
19.1.4. “SIM Lock” means the configuration applied to a Dual SIM Product that limits the full use of the Product to the MNO’s network.
19.1.5. “Primary Port” means any on the ports in the Product containing the MNO SIM.
19.1.6. “Product” means the SIM-Locked Dual SIM product to be purchased from M-KOPA. 
19.1.7. “Secondary Port” means any port in the Product holding any other mobile network provider SIM.

19.2 The Offer

19.2.1. M-KOPA offers You the Product in line with this paragraph 19 (the “Offer”). You understand that the SIM Lock is in exchange for complimentary offers by the MNO and shall apply for the duration of the Offer Period. By purchasing the Product, that Your Product will be SIM locked.
19.2.2. The Product will remain SIM-Locked for the Offer Period. Notwithstanding the Offer Period, M-KOPA and/or the MNO may, jointly or independently, in their sole and absolute discretion, amend the duration of the Offer Period to a shorter period, or withdraw the Offer in its entirety, with notice to You. At the end of the Offer Period, You will be free to use any MNO’s SIM or service on your Product without any further limitation.

19.3 Terms of use

19.3.1. At all times during the Offer Period, the Product shall only connect to mobile network services if the MNO’s SIM card is inserted in the Primary Port.
19.3.2. With the MNO SIM in the Primary Port, You will be able to access voice, SMS function and mobile data. Where you insert another SIM card in the Secondary Port, the use of that other SIM card will be limited to voice and SMS function only.
19.3.3. You agree not to tamper with or modify the Product’s software or hardware in any way that could affect the SIM Lock functionality during the Offer Period. Any such interference or modifications may result in the termination of warranty, criminal charges being brought against You and such other civil actions by M-KOPA.
19.3.4. M-KOPA will under no circumstance be liable to You for any error, delay, failure or non-availability of the service, and you shall hold M-KOPA harmless against any damage or loss you may sustain as a result of possession and/or use of the MNO SIM, MNO network services, or any error, delay, failure or non-availability of the MNO service.

20. General provisions

No waiver of these Terms by M-KOPA will be deemed a further or continuing waiver of such term or condition or any other term or condition, and any failure of M-KOPA to assert a right or provision under these Terms will not constitute a waiver of such right or provision. If any provision of these Terms is held by a court of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision will be modified to reflect the M- KOPA’s and Your intention or eliminated to the minimum extent such that the remaining provisions of the Terms will continue in full force and effect.

These Terms will be governed and construed in accordance with the applicable laws of Your domicile. Any dispute or claim arising out of or in connection with it or its subject matter or formation (including non-contractual disputes or claims) shall be governed by, construed and determined in accordance with the applicable law of Your domicile. For the avoidance of doubt, shall be governed by, and construed in accordance with:

Kenya - the laws of Kenya and the courts of Kenya shall have exclusive jurisdiction to settle any dispute or claim that arises out of or in connection with these Terms or its subject matter or formation (including non-contractual disputes or claims).

Uganda - the laws of Uganda and the courts of Uganda shall have exclusive jurisdiction to settle any dispute or claim that arises out of or in connection with these Terms or its subject matter or formation (including non-contractual disputes or claims).

Nigeria - the laws of Federal State of Nigeria and the courts of Nigeria shall have exclusive jurisdiction to settle any dispute or claim that arises out of or in connection with these Terms or its subject matter or formation (including non- contractual disputes or claims).Ghana – the laws of Republic of Ghana and the courts of Ghana shall have exclusive jurisdiction to settle any dispute or claim that arises out of or in connection with these Terms or its subject matter or formation (including non-contractual disputes or claims).

Tanzania – the laws of Republic of Tanzania and the courts of Tanzania shall have exclusive jurisdiction to settle any dispute or claim that arises out of or in connection with these Terms or its subject matter or formation (including non-contractual disputes or claims).

South Africa – the laws of South Africa and the courts of South Africa shall have exclusive jurisdiction to settle any dispute or claim that arises out of or in connection with these Terms or its subject matter or formation (including non-contractual disputes or claims).