Terms and Conditions
1. Acceptance
By installing, registering, or using the DunGuza App, you agree to these Terms and Conditions. If you do not accept them, please stop using the App immediately.
2. User Eligibility
To use DunGuza, you must:
- Be at least 18 years old
- Have the legal capacity to enter contracts
- Reside in Ethiopia or another approved country
- Provide complete and accurate registration details
- Not be legally restricted from using financial services
3. Account Setup & Security
3.1 Registration
- Users must provide truthful and current personal information.
- Only one active account is permitted per user.
- We reserve the right to reject or terminate any account.
3.2 Account Security
- Keep your login credentials private.
- Notify us immediately of any unauthorized activity.
- Identity verification may be required for certain actions.
4. App Usage Guidelines
4.1 Permitted Uses
The App can be used to:
- Create and manage digital savings groups
- Perform secure financial transactions
- Access authorized financial features
4.2 Prohibited Uses
You may not:
- Use the App for unlawful or fraudulent purposes
- Attempt to bypass security systems
- Upload or spread malicious software
- Impersonate others or submit false financial info
- Violate national or international laws
5. Financial Transactions
5.1 General Rules
- Transactions may be subject to verification.
- Suspicious activities may lead to review or cancellation.
- Daily or monthly limits may apply based on your profile.
5.2 Fees
- Fees are transparently displayed within the App.
- Any changes to fees will be communicated 30 days in advance.
- You are responsible for any third-party banking fees.
5.3 Dispute Handling
- Issues must be reported within 7 days of the transaction.
- We will assess all claims fairly.
- Our decisions are final.
6. Intellectual Property
6.1 Ownership
All aspects of the App—code, branding, design, and content—belong exclusively to Code Sphere Innovations.
6.2 Usage Rights
You are granted a limited, non-transferable, revocable license to use the App in line with these Terms.
7. Account Termination
7.1 By the User
You can close your account at any time through the App or by contacting us.
7.2 By Code Sphere Innovations
We may suspend or terminate your account if:
- You breach these Terms
- Fraud or illegal activity is detected
- Your account is inactive for 12+ months
- Required by legal or regulatory authorities
8. Disclaimers & Limitations
8.1 Availability
We do not guarantee:
- Uninterrupted or error-free service
- Compatibility with every device
8.2 Financial Disclaimer
DunGuza:
- Is not a licensed bank or financial advisor
- Does not offer investment recommendations
8.3 Liability Limitations
We are not responsible for:
- Indirect or incidental damages
- Loss of data or unauthorized access
- Issues caused by third-party providers
9. Dispute Resolution
9.1 Governing Law
These Terms are governed by the laws of the Federal Democratic Republic of Ethiopia.
9.2 Process
Disputes shall be resolved through:
- Initial negotiation within 30 days
- Mediation, if needed
- Legal proceedings in Addis Ababa courts
10. Changes to Terms
We reserve the right to modify these Terms. When changes occur:
- Users will be informed via in-app messages or email
- New terms will take effect 30 days after notice
11. Legal Overview
- These Terms represent the entire agreement between the user and Code Sphere Innovations.
- If a clause is found unenforceable, the rest remains valid.
- Our decision not to enforce any provision does not waive our rights.
12. Contact Details
For support or legal concerns, contact:
- 📧 Email: codesphereinnovationsdev@gmail.com
- 📞 Phone: +251 911 303 007
- 📍 Address: Lideta Mercato, Addis Ababa, Ethiopia