Terms and Conditions

Terms and Conditions
Effective Date: 2025-01-01

These Terms and Conditions ("Terms") govern your use of the services provided by Smartikimina.com ("we," "us," "our"). These Terms and Conditions (“Terms”) govern your use of our Website and services, including participation in any tontine system or financial pooling arrangements offered on the Website. By accessing or using the Website, you agree to comply with and be bound by these Terms.

If you do not agree to these Terms, please do not use our Website.

 

1. Definition

Tontine: A financial arrangement where participants pool resources, and payouts are distributed among surviving or remaining members based on predefined conditions.

User: Any individual or entity accessing or using the Website, including participants in tontine arrangements.

 

2. Eligibility

Our services, including loans and deposit, are only available to individuals who are:

1. At least 18 years of age
2. By registering, you represent and warrant that: All information provided is accurate and complete and You comply with all applicable laws and regulations.
3. The Website is not available to residents of jurisdictions where tontines are prohibited or restricted.

3. Registration and Account 

1. Users must create an account to participate in any tontine or financial arrangement.
2. You are responsible for maintaining the confidentiality of your account credentials.
3. We reserve the right to suspend or terminate accounts for fraudulent activity, misuse, or violation of these Terms.

4. Registration and Accounts

1. Users must create an account to participate in any tontine or financial arrangement.

2. You are responsible for maintaining the confidentiality of your account credentials.

3. We reserve the right to suspend or terminate accounts for fraudulent activity, misuse, or violation of these Terms.

5. Tontine Participation

1. Contributions: All contributions must be made as per the agreed schedule and amount.

2. Payouts: Payouts are governed by the specific tontine agreement, which will be provided at the time of participation.

3. Withdrawal or Termination: Withdrawal from a tontine may be subject to penalties or forfeiture as specified in the tontine agreement. 

Early termination of a tontine by the administrator will result in equitable redistribution of funds to participants.

6. Use of Website

By using our website, you agree to the following:

• You will not misuse our website by attempting to hack, upload viruses, or engage in any unlawful activity.
• You are responsible for ensuring that your use of our website complies with applicable laws.
• We may suspend or terminate your access to our website if you violate these Terms.

7. Intellectual Property

All content, logos, trademarks, and materials available on our website are the property of smart ikimina website. You may not use, reproduce, or distribute any materials from our website without prior written consent.

8. Fees

We may charge fees for participation in tontines or related services. All applicable fees will be disclosed upfront and are non-refundable unless stated otherwise.

9. Prohibited Activities

Users are prohibited from:

1. Engaging in fraudulent or deceptive practices.
2. Violating any local, national, or international laws.
3. Using the Website for any purpose other than its intended function.

10. Disclaimers

1. No Financial Advice: The Website does not provide financial advice. Participation in tontines is at your own risk.
2. No Guarantee of Returns: Tontine participation involves risks, and there is no guarantee of financial returns.
3. Limitation of Liability: To the fullest extent permitted by law, we are not liable for any direct, indirect, or consequential damages arising from your use of the Website.

11. Privacy

Your use of the Website is also governed by our Privacy Policy, which can be accessed here 

12. Termination

We may suspend or terminate your access to the Website at our sole discretion for violation of these Terms or other improper conduct.

13. Dispute Resolution

1.  Governing Law: These Terms are governed by the laws of resident country.
2. Arbitration: Any disputes shall be resolved through binding arbitration in accordance with the rules of Arbitration Institution.

14. Amendments

We reserve the right to update or modify these Terms at any time. Changes will be effective immediately upon posting on the Website. Continued use of the Website after changes constitutes acceptance of the updated Terms.

15. Contact Information

For any questions or concerns regarding these Terms, please contact us at:

1. Email: info@smartikimina.com

By using smartikimina.com, you acknowledge that you have read, understood, and agree to these Terms and Conditions.

 

 

FAQ

What do you wish to know?

 

Is there an option for manual Deposit?

Yes, you have different options. You may choose mobile money payement or bank transfer as manual payment gateway.

Is opening an account is free?

Yes, we don't take any fees for opening an account.

How do I get help joining ikimina?

The Tontine (Ikimina) team is available to assist you in joining your ikimina. Simply make an appointment

Should an member wait until the start of the cycle to join Ikimina ?

No. A member can embark on Tontine at any time during the cycle. The plateform offers tools to import the current state of the ikimina’s finances.

 

Should a user who is a member of sever tontine on Smartikimina have several accounts?

No. A user just needs one account to access all the tonines (ikimina) of which they are a member.

How to open an Ikimina?

They have several FDR plans as Ikimina circles. Choose the best plan suitable for you and just click on the Apply Now button and put the amount.