Terms of Use

01Introduction and Acceptance

These Terms of Use (“Terms”) govern your access to and use of rezatoafrica.com (“Website”) operated by Rezato Money Remittance Limited (“Rezato”, “we”, “us”, or “our”), a licensed payment service provider authorised by the Central Bank of Kenya (CBK) under the National Payment System Act, 2011, and by the Bank of Tanzania (BoT) under the National Payment Systems Act, 2015, operating as RezatoPay in Tanzania.

By accessing or using this Website, you agree to be bound by these Terms, our Privacy Policy, and our AML Policy. If you do not agree, you must not use this Website.

02About Rezato

Rezato is a pan-African payment infrastructure provider offering:

• International money transfer (IMT) settlement services for licensed MTOs
• Cross-border business payment and treasury services for corporates, NGOs, and financial institutions
• Merchant and e-commerce payment gateway services
• Foreign exchange (FX) services

Regulatory status: Rezato is licensed by the CBK for foreign exchange dealing and international money transfer services in Kenya, and by the BoT for IMT and PSP services in Tanzania (trading as RezatoPay). We operate in compliance with all applicable financial services legislation, including AML/CFT requirements.

03Eligibility

By using this Website, you represent and warrant that:

• You are at least 18 years of age
• You have the legal capacity to enter into binding agreements
• If accessing on behalf of an entity, you have authority to bind that entity to these Terms
• Your use complies with all applicable laws and regulations in your jurisdiction

04Website Use and Restrictions

4.1 Permitted Use

This Website is provided for informational purposes. You may:

• Browse and read the content
• Submit demo requests and contact enquiries
• Download publicly available materials for your own use

4.2 Prohibited Conduct

You must not:

• Use the Website for any unlawful purpose, including fraud, money laundering, or terrorism financing
• Attempt to gain unauthorised access to our systems, servers, or networks
• Introduce viruses, trojans, malware, or other harmful material
• Scrape, crawl, or harvest data by automated means without written consent
• Impersonate any person or entity, or misrepresent your affiliation
• Use the Website to send unsolicited communications (spam)
• Interfere with or disrupt the Website’s functionality or security
• Copy, reproduce, modify, or distribute Website content without written consent

05Demo Requests and Form Submissions

When you submit a demo request:

• You agree to provide accurate, current, and complete information
• You consent to processing in accordance with our Privacy Policy
• Submitting a form does not constitute a binding contract for services
• We will endeavour to respond within 24 hours on business days
• You will receive an automated confirmation email

All personal data is processed in compliance with the Kenya Data Protection Act, 2019 and the Tanzania Personal Data Protection Act, 2022.

06Intellectual Property

All content on this Website, including text, graphics, logos, trademarks, the “Rezato” and “RezatoPay” names, design elements, software, and code, is the property of Rezato Money Remittance Limited or its licensors and is protected by applicable intellectual property laws in Kenya, Tanzania, and internationally.

We grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the Website for its intended purposes. This licence does not include commercial exploitation, modification, or removal of proprietary notices.

07Service Information Disclaimer

The information on this Website is for general informational purposes only. It does not constitute:

• An offer or solicitation to provide financial services where unlawful
• Financial, legal, tax, or investment advice
• A guarantee of service availability, transaction speed, or exchange rates

Important: Actual service terms, fees, exchange rates, and availability are subject to separate service agreements and may vary. Payment services require KYC/AML verification.

08Anti-Money Laundering and Compliance

As a licensed payment service provider:

• We conduct customer due diligence (KYC) before providing services
• We screen against international sanctions lists and PEP databases
• We report suspicious transactions to relevant financial intelligence units
• We reserve the right to refuse service or freeze accounts where required by law

These obligations arise under the Proceeds of Crime and Anti-Money Laundering Act, 2009 (Kenya), the Anti-Money Laundering Act, 2006 (Tanzania), and related regulations.

09Limitation of Liability

To the fullest extent permitted by law:

• The Website and content are provided “as is” without warranties of any kind
• We do not warrant the accuracy, completeness, or reliability of any content
• We are not liable for indirect, incidental, special, or consequential damages

Nothing excludes liability for death or personal injury caused by negligence, fraud, or any liability that cannot be excluded by the laws of Kenya or Tanzania.

10Indemnification

You agree to indemnify and hold harmless Rezato, its directors, officers, employees, and agents from claims arising from your use of the Website in violation of these Terms, violation of applicable law, any misrepresentation, or infringement of third-party rights.

11Third-Party Links

This Website may contain links to third-party websites. We do not endorse or control them and are not responsible for their content or practices. Use is at your own risk.

12Modifications

We reserve the right to modify these Terms at any time. Material changes will be indicated by updating the “Last Updated” date. Continued use constitutes acceptance of revised Terms.

13Governing Law and Dispute Resolution

Governing Law: These Terms are governed by and construed in accordance with the laws of the Republic of Kenya. For RezatoPay services in Tanzania, applicable Tanzanian law applies.

Dispute Resolution:

1. Good-faith negotiation within 30 days of written notice
2. Mediation under the rules of the Nairobi Centre for International Arbitration (NCIA) or Tanzania Arbitration Centre (TAC)
3. Binding arbitration under the Arbitration Act, 1995 (Kenya) or the Arbitration Act, 2020 (Tanzania)
4. Nothing prevents either party from seeking interim injunctive relief from competent courts

14Severability

If any provision is found invalid or unenforceable, the remaining provisions continue in full force. The invalid provision shall be modified to the minimum extent necessary.

15Entire Agreement

These Terms, together with the Privacy Policy and AML Policy, constitute the entire agreement regarding your use of the Website and supersede all prior agreements.

16Contact Us