Terms & Conditions

By accessing, registering on, or using the ManuCash Platform ("Platform"), you unconditionally agree to be bound by these Terms & Conditions ("Terms"), our Privacy Policy, and all applicable laws and regulations of the Easter African.

These Terms constitute a legally binding agreement between you ("User", "you", "your") and ManuCash Ltd. ("Company", "we", "us", "our"), a company registered and operating under Easter African and World Bank Group.

These Terms were last updated on 1 October 2026 and supersede all previous versions. We reserve the right to update these Terms at any time, with notice to users via email or in-app notification.

2.1 Eligibility Requirements

To register and use the Platform, you must meet all of the following criteria:

• Be a natural person aged 18 years or older
• Hold a valid Rwanda National ID (NID) registered in the NIDA database
• Possess a mobile phone number registered and linked to your NID
• Have a valid, personal email address
• Be legally capable of entering into a binding contract under Easter African law

2.2 Account Registration

You agree to provide accurate, current, and complete information during registration and to promptly update such information if it changes. You are responsible for maintaining the confidentiality of your login credentials.

Each person may register only one account. Creating duplicate accounts is prohibited and may result in immediate suspension of all associated accounts.

2.3 Account Security

You are solely responsible for all activities that occur under your account. You must notify us immediately at [email protected] upon becoming aware of any unauthorized use of your account or any other breach of security.

ManuCash is capital and financial technology platform operating in EAC. We offer the following services to verified users:

Service	Description	Requirement
Share Marketplace	Buy capital shares with daily return rates	KYC Approved
Loan Facility	Apply for capital-purpose loans	KYC Approved
Deposit Wallet	Fund your account for share cCapital	KYC Approved
ROS Withdrawals	Withdraw earned Return on Shares	KYC + No Active Loan
Portfolio Tracking	View holdings, earnings, and history	Account Created
Commissional Programme	Earn bonuses by referring new investors	Account Created

We reserve the right to modify, suspend, or discontinue any service at any time with reasonable prior notice, except in cases of emergency or regulatory requirement where immediate action may be necessary.

The Platform is provided on an "as is" and "as available" basis. We do not guarantee uninterrupted availability and accept no liability for losses arising from service interruptions beyond our reasonable control.

4.1 Share Capital

Users may purchase shares listed in the Share Marketplace. Each share has a defined price per share, daily return rate, investment duration, and expected total return.

4.2 Return on Shares (ROS)

ROS is calculated daily based on the formula:

ROS begins accruing from the moment of investment and continues daily for the full duration period. Displayed earnings are estimates based on the specified daily rate and may be subject to rounding.

4.3 ROS Policy

• ROS is not spendable on purchasing additional shares — only loan wallet and deposit wallet balances may fund new investments.
• Subsequent withdrawals are limited to the available ROS balance.

4.4 Capital Wallets

Share purchases may be funded from either your Loan Wallet (funded by an approved loan) or your Deposit Wallet (funded by confirmed deposits). The wallet selected at the time of purchase is recorded and cannot be changed retroactively.

5.1 Deposit Process

Deposits are made via supported mobile money as indicated on the deposit page. The deposit amount is credited to your Deposit Wallet only after payment confirmation by our System.

5.2 Deposit Wallet Rules

• Deposit funds are reserved as investment capital and are not directly withdrawable in cash form.
• Once used to purchase shares, the deposit amount is locked for the full duration of that investment.
• Loan repayments are deducted from your deposit wallet balance.
• The deposit wallet balance is displayed for transparency and reference only; it does not form part of the withdrawable ROS balance.

5.3 Currency

All transactions on the Platform are denominated in Rwandan Francs (RWF). No foreign currency conversions are performed by the Platform.

6.1 Loan Purpose

Loans provided through the Platform are for investment purposes only. Loan funds are credited to your Loan Wallet and may only be used to purchase shares in the Share Marketplace.

6.2 Loan Terms

• Loan terms, interest rates, and repayment schedules are specified at the time of loan approval.
• Repayment is made from your deposit wallet balance.
• An active unpaid loan blocks the ability to make withdrawals until fully repaid.
• Only one active loan may be held at any time per account.

6.3 Loan Default

Failure to repay a loan in accordance with agreed terms constitutes a default. In the event of default, the Company reserves the right to:

• Suspend the user's account pending repayment
• Offset outstanding loan amounts against available investment returns
• Pursue recovery through legally available means

7.1 Withdrawal Conditions

Withdrawals are processed from your ROS earnings only. The following conditions must all be met:

• KYC status must be Approved
• You must have no active unpaid loan

7.2 Withdrawal Limits & Fees

Parameter	Value
Minimum Withdrawal	RWF 3,500
Withdrawal Fee	4% of withdrawal amount
Daily Limit	2 withdrawals per day
Source of Funds	ROS earnings only
Processing Time	1–20 minutes, business days

Fees are non-refundable once a withdrawal has been submitted. Withdrawal requests are processed in the order received during business hours (Monday–Sunday, 7:45am–6:00pm CAT).

8.1 KYC Requirement

All users must complete Know Your Customer (KYC) identity verification before accessing financial features. KYC is a regulatory requirement under Financial law aimed at preventing fraud, money laundering, and identity theft.

8.2 KYC Submission Requirements

Your KYC submission must include accurate information that exactly matches your official NIDA records:

• Full name as printed on your National ID card
• 16-digit National ID (NID) number
• Phone number linked to your NID in the NIDA database
• Date of birth, province, district, sector, and occupation

8.3 KYC Review

KYC submissions are reviewed by our compliance team within 1–2 business days. You will be notified of the outcome via the Platform. Until KYC is approved, access to loans, share Capital, and withdrawals is restricted.

The ManuCash Commission programme allows registered users to earn bonus rewards by inviting new investors to the Platform.

9.1 Commission Rules

• Each user receives a unique 8-character commission code upon account creation.
• Commission codes must be used at the time of registration — they cannot be applied retroactively.
• Self-referrals (referring yourself via a secondary account) are strictly prohibited and will result in both accounts being suspended.
• Commission bonuses are credited at a rate of 10% Above of the referred user's first investment, subject to programme terms in effect at that time.
• Commission bonuses are subject to a pending status until the referred user has made their first qualifying investment and completed KYC.

9.2 Programme Modifications

The Company reserves the right to modify, suspend, or discontinue the Commission programme at any time. Any modifications will be communicated with reasonable notice. Accrued but unclaimed bonuses at the time of programme termination will be honoured.

The following activities are strictly prohibited on the Platform and will result in immediate account suspension or permanent termination:

• Providing false, inaccurate, or misleading information during registration or KYC
• Impersonating any person or entity, or misrepresenting your affiliation
• Registering multiple accounts to circumvent restrictions or limits
• Using the Platform for money laundering, terrorist financing, or any illegal financial activity
• Attempting to manipulate, hack, or exploit any aspect of the Platform's systems
• Using automated bots, scripts, or other tools to access or interact with the Platform
• Abusing the Commission system or any promotional programme
• Engaging in any activity that disrupts or degrades Platform performance for other users
• Reverse engineering, decompiling, or attempting to extract the Platform's source code
• Sharing your account credentials with any third party

Investing involves risk. By using the Platform, you acknowledge and accept the following risks:

11.1 Capital Risk

• Liquidity Risk: Invested capital is locked for the duration of the investment period and cannot be withdrawn early.
• Platform Risk: Technical failures, cyberattacks, or regulatory changes could affect Platform availability or functionality.

11.2 Loan Risk

• Borrowing to invest increases your financial exposure. If investments do not perform as expected, you remain liable for full loan repayment.
• Failure to repay loans may result in account suspension, legal action, and credit reporting.

11.3 Limitation of Liability

To the fullest extent permitted by Financial law, the Company shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the Platform, including but not limited to investment losses, loss of data, or business interruption.

12.1 Grounds for Suspension

The Company may suspend or restrict your account at any time, with or without prior notice, for any of the following reasons:

• Violation of any provision of these Terms
• Suspected or confirmed fraudulent activity
• Failure to repay a loan (loan default)
• KYC failure after maximum attempts
• Regulatory requirement or legal order
• Security concerns, including suspected account compromise

12.2 Effects of Suspension

During suspension, you will be unable to access financial features including investments, withdrawals, and loan applications. Existing investments will continue to accrue returns but you will be unable to withdraw until restrictions are lifted.

12.3 Account Termination

You may close your account at any time by contacting us at [email protected]. Account closure is only possible after all outstanding loans are fully repaid and there are no pending transactions. Any remaining ROS balance will be processed for withdrawal before closure, subject to standard fees and limits.

Your privacy is important to us. This section summarises how we handle your data. Our full Privacy Policy provides complete details.

13.1 Data We Collect

• Registration data: name, email, phone number
• KYC data: NID number, date of birth, address, occupation
• Financial data: transaction history, investment records, wallet balances

13.2 How We Use Your Data

• To provide, maintain, and improve the Platform
• To verify your identity and comply with KYC/AML regulations
• To process transactions and manage your account
• To communicate important updates, account notices, and support
• To detect and prevent fraud and unauthorised access
• To comply with legal and regulatory obligations under Rwandan law

13.3 Data Security

We use industry-standard security measures including Authentication, security rules, encrypted data transmission, and access controls to protect your personal data. No system is 100% secure; we encourage you to use a strong, unique password and enable all available security features.

13.4 Data Sharing

We do not sell your personal data. We may share data with regulatory authorities as required by law, with our technology service providers under strict confidentiality agreements, or with law enforcement upon valid legal request.

All content, design, code, trademarks, logos, and intellectual property on the Platform are the exclusive property of ManuCash Ltd. and are protected under Financial and international intellectual property law.

You are granted a limited, non-exclusive, non-transferable licence to access and use the Platform solely for personal, non-commercial investment purposes as contemplated by these Terms.

You may not reproduce, distribute, modify, create derivative works from, publicly display, or commercially exploit any content from the Platform without our express prior written consent.

15.1 Governing Law

These Terms are governed by and construed in accordance with the laws , without regard to conflict of law principles.

15.2 Dispute Resolution Process

In the event of any dispute, claim, or controversy arising out of or in connection with these Terms or the Platform, you agree to the following resolution process:

1. Step 1 – Informal Resolution: Contact our support team at [email protected]. We will attempt to resolve the dispute informally within 2 business days.
2. Step 2 – Mediation: If informal resolution fails, the parties agree to attempt mediation through a mutually agreed mediator in Kigali, Rwanda.

15.3 Class Action Waiver

To the maximum extent permitted by applicable law, you agree that any dispute will be resolved on an individual basis, and you waive any right to participate in a class action lawsuit or class-wide arbitration.

16.1 Amendments

We may update these Terms at any time. When we do, we will revise the "Effective Date" at the top of this page and notify you via email or in-app notification at least 7 days before material changes take effect.

Your continued use of the Platform after the effective date of changes constitutes your acceptance of the updated Terms. If you do not agree with the updated Terms, you must stop using the Platform before the effective date.

16.2 Contact Information

Company	ManuCash Ltd.
Country	Easter African Location
Support Email	[email protected]
Business Hours	Monday – Friday, 7:45am – 6:00pm CAT

16.3 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and the Company with respect to the Platform and supersede all prior agreements, understandings, and representations.