Terms & Conditions

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Terms and Conditions

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1. Acceptance of Terms

By accessing and using the services of IFHAM Holdings Limited ("Company", "we", "us", or "our"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Services Description

IFHAM Holdings Limited provides the following services:

  • International money transfers through Western Union, Ria, and MoneyGram
  • Cash point services for banks and mobile networks
  • Cryptocurrency trading and exchange services
  • Insurance services including motor vehicle and health insurance
  • Afya Pharmacy healthcare services
  • Payroll management services
  • Payment processing and integration services

3. User Responsibilities

As a user of our services, you agree to:

  • Provide accurate and complete information when required
  • Maintain the confidentiality of your account credentials
  • Comply with all applicable laws and regulations
  • Use our services only for lawful purposes
  • Notify us immediately of any unauthorized use of your account

4. Prohibited Activities

You may not use our services for:

  • Money laundering or terrorist financing
  • Fraudulent or illegal activities
  • Violation of any applicable laws or regulations
  • Transmission of harmful or malicious content
  • Unauthorized access to our systems

5. Fees and Charges

Our fees and charges are clearly displayed before you complete any transaction. Fees may vary based on:

  • Transaction amount and type
  • Destination country and currency
  • Service provider (Western Union, Ria, MoneyGram)
  • Payment method used

6. Transaction Limits

We reserve the right to impose transaction limits for security and regulatory compliance purposes. Limits may vary based on:

  • Customer verification level
  • Transaction history
  • Regulatory requirements
  • Risk assessment

7. Refund and Cancellation Policy

Refunds and cancellations are subject to the following conditions:

  • Money transfers cannot be cancelled once processed
  • Cryptocurrency transactions are irreversible
  • Insurance premiums are non-refundable after policy activation
  • Service fees are generally non-refundable

8. Privacy and Data Protection

We are committed to protecting your privacy and personal information. Please refer to our Privacy Policy for detailed information about how we collect, use, and protect your data.

9. Limitation of Liability

To the maximum extent permitted by law, IFHAM Holdings Limited shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or other intangible losses.

10. Indemnification

You agree to indemnify and hold harmless IFHAM Holdings Limited from any claims, damages, losses, or expenses arising from your use of our services or violation of these terms.

11. Governing Law

These terms and conditions are governed by the laws of the United Republic of Tanzania. Any disputes shall be resolved in the courts of Tanzania.

12. Changes to Terms

We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting on our website. Your continued use of our services constitutes acceptance of the modified terms.

13. Contact Information

If you have any questions about these Terms and Conditions, please contact us:

  • Phone: 0800118348
  • Email: info@ifhamltd.co.tz
  • Address: IFHAM Holdings Limited, Dar es Salaam, Tanzania

14. Severability

If any provision of these terms is found to be unenforceable or invalid, the remaining provisions shall remain in full force and effect.

15. Entire Agreement

These terms and conditions, together with our Privacy Policy, constitute the entire agreement between you and IFHAM Holdings Limited regarding the use of our services.