Terms of Use

These Terms of Use (“Legal Terms”) are a legally binding agreement between you (“You”, “User”) and GENO Trust (“Company”, “We”, “Us”, “Our”) governing your access to and use of the GENO Trust mobile application (the “App”), the website https://www.genotrust.or.tz (the “Website”), and any related products and services (collectively, the “Services”).

By accessing or using the Services, you confirm that you have read, understood, and agree to be bound by these Legal Terms. If you do not agree, you must stop using the Services immediately.

If you need to contact us, please email: info@genotrust.or.tz

Table of Contents

• 1. Our Services
• 2. Eligibility and User Accounts
• 3. Salary Advance Requests
• 4. Repayment and Deductions
• 5. Identity Verification
• 6. User Responsibilities
• 7. Prohibited Activities
• 8. Third-Party Services
• 9. Intellectual Property
• 10. App License
• 11. Privacy Policy
• 12. Service Availability
• 13. Suspension and Termination
• 14. Disclaimers
• 15. Limitation of Liability
• 16. Indemnification
• 17. User Data and Security
• 18. Electronic Communications
• 19. Governing Law
• 20. Miscellaneous
• 21. Contact Us

1. Our Services

GENO Trust lets eligible employees apply for salary advances. Each request is subject to verification, approval, available funds, and applicable law. The amount, fees, repayment dates, and payment method for your advance are shown for you to review before confirmation.

The Services are provided for your personal use. You may not use the Services for unlawful purposes, resale, or commercial exploitation without our written approval.

We may limit access to the Services by person, geography, or other criteria at our discretion where legally permitted.

2. Eligibility and User Accounts

2.1 Age Requirement

The Services are intended for users who are at least 18 years old. If you are under 18, you must not use or register for the Services.

2.2 Account Registration

You may need to create an account to use the Services. You agree to:

• Provide accurate, current, and complete information
• Keep your login credentials confidential
• Be responsible for all activity on your account

You must notify us immediately if you suspect unauthorized access to your account.

2.3 Protecting Your Account

Keep your password and verification codes private. Use your own contact details and tell support if you lose access to your registered phone or email.

3. Salary Advance Requests, Approval, and Disbursement

3.1 Requests and Approval

Submitting a request does not guarantee approval. We assess whether you qualify using the information provided for your account and application:

• Identity and employment verification
• Eligibility for the advance requested
• Past repayment history
• Checks to protect your account and meet legal requirements

3.2 Disbursement

Approval is followed by payment processing. An approved status does not confirm that funds have reached you. Payments are sent through supported bank or mobile money channels, and timing depends on:

• Provider processing timelines
• System availability
• Verification or compliance checks

If a payment is delayed, check your account status and contact support with your request reference. Payment-provider delays do not remove any rights you have under applicable law.

3.3 Errors

If a payment or repayment amount appears incorrect, contact support as soon as possible with the date, amount, and request reference. Do not share your password or verification codes.

4. Repayment, Deductions, Fees, and Taxes

4.1 Salary Deductions

Repayment will be deducted from your next salary, or your next salary payments where multiple deductions are agreed. Each deduction reduces your remaining balance. If a deduction is partial, the remaining amount will be deducted from a subsequent salary payment.

4.2 Fees

Review the processing fees, amount you will receive and total repayment amount shown before accepting an advance. No late-payment fees apply.

4.3 Payroll Questions

If a payroll deduction is missing or incorrect, contact support with your advance reference. Further advances remain subject to eligibility and outstanding-balance checks.

5. Identity Verification and Compliance

To comply with legal and regulatory obligations, we may perform verification checks including:

• Identity details
• Employment and salary information
• Additional verification documents where required

If you refuse to provide required information or fail verification, we may limit or deny Services.

6. User Responsibilities and Representations

By using the Services, you represent and warrant that:

1. You are at least 18 years old and have legal capacity to enter these Legal Terms
2. All information you provide is true, accurate, current, and complete
3. You will update information promptly if it changes
4. You will use the Services only for lawful purposes
5. You will not attempt to circumvent security or misuse the Services
6. You understand that advance approval is not guaranteed

If you provide false or misleading information, we may suspend or terminate your account.

7. Prohibited Activities

You agree not to:

• Use the Services for fraud, money laundering, or illegal activity
• Provide false identity, employment, or salary information
• Attempt to reverse engineer, decompile, or exploit the App or systems
• Interfere with security features or access controls
• Use automated scraping, bots, or data extraction tools
• Attempt unauthorized access to other users' accounts or Company systems
• Abuse support channels or submit false claims
• Use the Services to harass, threaten, or harm others

8. Third-Party Services and Payment Channels

We work with banks, mobile money operators, and other service providers to deliver payments and account services. Their terms and privacy policies may also apply when you use their services.

Third-party availability and processing times can affect your payment. Contact us if you need help with a payment made through GENO Trust. Nothing in these terms limits rights that cannot be excluded by law.

9. Intellectual Property Rights

We own or license all rights to the Services, including the App, Website, content, software, branding, logos, and trademarks.

We grant you a limited, non-exclusive, non-transferable, revocable license to use the Services for personal purposes, subject to these Legal Terms.

10. App License and Device Requirements

If you use the App, we grant you a limited license to install and use it on devices you own or control. You must not:

• Modify the App
• Reverse engineer or attempt to derive source code, except where expressly allowed by law
• Use the App to develop competing products
• Remove proprietary notices

App availability and functionality may depend on your device, network, and app store policies.

11. Privacy Policy

Our Privacy Policy explains how we collect, use, share, and protect personal information, and how you can exercise your privacy rights. Where consent is required for a particular use, we ask for it separately.

Read: our Privacy Policy

If the Privacy Policy conflicts with these Legal Terms on data topics, the Privacy Policy governs.

12. Service Availability, Changes, and Interruptions

We may update, modify, or discontinue parts of the Services at any time. The Services may be unavailable due to maintenance, technical issues, network problems, or third-party outages.

We are not liable for interruptions or inability to access the Services, except where the law requires otherwise.

13. Suspension and Termination

We may suspend or terminate your account or access to the Services if:

• You breach these Legal Terms
• We suspect fraud, misuse, or illegal activity
• You fail required verification
• We are required to do so by law or regulators

Upon termination, your rights to use the Services stop immediately. You remain responsible for any repayment obligations already incurred.

14. Disclaimers

The Services are provided on an “AS IS” and “AS AVAILABLE” basis. To the maximum extent allowed by law:

• We do not guarantee uninterrupted service
• We do not guarantee that you will be approved for any salary advance
• We do not guarantee that disbursements will be immediate

Nothing in these Legal Terms is intended to exclude obligations that cannot be excluded under applicable law.

15. Limitation of Liability

To the maximum extent permitted by law, the Company and its officers, employees, and partners will not be liable for indirect, incidental, special, consequential, or punitive damages arising from or related to your use of the Services.

Where liability cannot be excluded under applicable law, it will be limited to the minimum extent permitted.

16. Indemnification

You agree to indemnify and hold us harmless from claims, losses, liabilities, and expenses arising from:

• Your misuse of the Services
• Your breach of these Legal Terms
• Your violation of applicable law
• Your violation of third-party rights

17. User Data and Security

You are responsible for maintaining the confidentiality of your account details and ensuring your device security. We take reasonable steps to protect data, but no system is completely secure.

You are responsible for maintaining accurate contact details to receive important notices.

18. Electronic Communications and Signatures

You agree that communications via the App, Website, email, SMS, or other electronic means satisfy legal requirements for written communications where permitted.

You agree that your electronic actions (for example clicking “Accept” or “Confirm”) can constitute a valid electronic signature.

19. Governing Law and Dispute Resolution

19.1 Governing Law

These Legal Terms are governed by the laws of the United Republic of Tanzania.

19.2 Dispute Resolution

If a dispute arises, the parties will first attempt to resolve it informally by contacting support.

If informal resolution fails, disputes will be resolved in the competent courts of Tanzania.

20. Miscellaneous

• If any provision of these Legal Terms is found unenforceable, the remaining provisions remain in effect.
• Our failure to enforce any provision is not a waiver.
• We may assign our rights and obligations under these Legal Terms as permitted by law.

21. Contact Us

If you have questions about these Legal Terms, contact us:

• Email: info@genotrust.or.tz
• Website: https://www.genotrust.or.tz
• Country: Tanzania