General Terms and Conditions

By signing this Subscription Agreement (the “Agreement”) between yourself, MTN Rwandacell Plc (“MTN”) and [Bank XYZ} (“Bank”), you, the undersigned identified buyer (“you” or “Buyer”), agree to purchase the phone (“the Device”), where the full repayment for the cost of the device is offset by a fixed monthly subscription to MTN Service Bundle (“Bundle Price”) over a period of 12 months (the “Tenor”), subject to the terms and conditions contained herein.

The Bundle Price of RWF 1,000 and RWF500 monthly quoted will be the committed sum payable each month for the duration of the Agreement and will not change unless you Default on your monthly repayments.

The Bundle Price covers your monthly repayment towards the cost of the Device, as well as a Data, Voice and SMS bundle service provided monthly by MTN, your network provider. Each month, you are required to make payment through MTN Mobile Money (“MoMo”) Account deductions equal to the Bundle Price. The deductions can be made daily, weekly, or monthly and the full monthly amount must be made prior to and/or on the required due date but not later than 1 day prior to the repayment anniversary date. With this agreement.

On the subscription anniversary date and following full subscription, MTN will provision the bundle for the following month.

The terms “We” or “Us” shall refer to MTN and/or the Bank.

Customer/ Responsible Party                                

Reference to “you” or “Buyer” means you are the individual and the customer on record. You understand and agree to be primarily responsible for and guarantee payment of any sums that become due under this Agreement. You are not allowed to sign on behalf of another individual, an organization, a business entity or government body and will be personally responsible for performance under this Agreement, if we subsequently discover the contrary.

Device Approval.

You hereby consent to provide any unique one-time password (“OTP”) approvals to the sales representatives/agents to facilitate the processing of financing for the Device.

Initial Payment by Customer. 

You shall make the first monthly subscription via your MoMo Account payment at the Point-of-Sale in MTN and partner Stores. This is a prerequisite to the application being approved. Where an upfront payment is required as a condition of the subscription plan selected, such payment will also be made via Momo Account at the Point-of-Sale.

Monthly Repayments.

Subsequent subscriptions will be made via the daily/weekly/monthly deductions from the MoMo Account of the equivalent amount equal to the monthly Bundle Price, prior to the subscription anniversary date.

On the monthly anniversary date, following full monthly subscription. MTN will provision the bundle offering – airtime, data and others for the following month. 

Under no circumstance would we be liable for any loss, expense or damage of any kind incurred by you due to non-compliance with this requirement.

Failure to subscribe shall result in the Device being automatically disabled by us. You will be able to enable your phone upon full payment of past due subscription amounts (please follow the instructions in the FAQ document attached to the Device pack).

Please note that the Bank reserves the right to report failure to repay to Credit Bureaus and any regulatory bodies or government institutions as applicable. All outstanding repayments will be collected by the Bank’s collection officers/agents and the Bank reserves the right to prosecute any customer for breach of contract.

Device Protection.

In the event of a theft, following presentation of required documentation to back up such claims of theft, the Bank will replace the smartphone with an equivalent smartphone at no cost to you. This phone replacement will however be limited to one occurrence in the 12-month contract period.

However, below insurance amortization rules will be applied:

1. in the event of phone replacement, affected customers will be requested to pay a percentage of:

• 20% for a device onboarded in MTN device financing in a period between 0-6 months
• 30% for a device onboarded in MTN device financing in a period between 7 Months to 12 months

1. in the event of broken screen replacement, affected customers will be requested to pay a percentage of:

• 20% for a device onboarded in MTN device financing in a period between 0-6 months
• 30% for a device onboarded in MTN device financing in a period between 7 Months to 12 months

Beyond this, you bear the entire risk of loss, theft, or damage to the Device from any cause during the term of the Agreement.

The bank reserves the right to close the open loan contract with the equivalent value cost of the lost device at the time of loss and reserves the right to offer the customer an upgrade when this clause is triggered.

E-signature.

You hereby declare that the signature below is your original signature, which is to be relied upon for the purposes of verifying the authenticity of electronic versions of your signature in documents. You also hereby declare that this record of your signature may be used for the purposes of verifying the authenticity of electronic signatures that are set out in agreements or documents as being the true representation of your written signature. It is your duty to notify us immediately in the event that you change your signature. We shall not be liable for any liabilities, losses or damages as a result of your failure to comply with this requirement.

Default.

You will be in default of this Agreement if any one of the following events (referred to as an “Event of Default”) occurs:

• you fail to subscribe to the bundle by the applicable due date;
• you are in breach of any covenant, representation or warranty in this Agreement;
• a bankruptcy petition is filed against you;
• Where you are unable to pay any other party in accordance with article 7 of the law No 075/2021 or 06/12/2021 relating to insolvency in Rwanda.
• you fail to disclose or provide false, misleading, or incorrect information in your application for device finance or during the Tenor of this Agreement;
• where you default in the performance or observance of any other term, condition or covenant or performance of any other obligation hereunder and such breach or default continues un-remedied within ten days of the receipt of a notice of the default, and
• you port your phone number in respect of the Device to a network other than MTN prior to the settlement of all your repayments.

Where you are in default under this Agreement, the outstanding balance of the Bundle Price for the remainder of the Tenor at the time will accelerate and immediately become due and payable. The Device will be disabled by us remotely and you will be unable to use the Device on any network. 

Remedies in the Event of Default.

Upon an event of default, we have the right to exercise any one or more of the following remedies: 

• disable the Device which will prevent you from using any of the device functionality;
• require you to immediately pay the outstanding unpaid amount financed;
• require you to pay us the costs of collection; and
• deposit enough funds in your Momo Account equivalent to the monthly Bundle Price and then follow the instructions in the FAQ document provided to you by the sales representative.
• deducting the outstanding unpaid amount from other phone numbers registered on the same national ID/Passport of your initial phone number used during MTN contractual agreement of in the MTN “Macye Macye”with banks.

Ownership of Device.

The Bank shall have legal ownership of the Devices until full and final payment by you to the Bank by payment of the Bundle Price when due. Legal title to the Device shall pass to you only after making full and final payment to the Bank including any charges in respect of the Device.

Non-Portability of Device

You hereby agree that you shall not port the Device phone number to another telecommunications network operator until you have fully discharged all your obligations to the Bank and MTN under this Agreement. Failure to comply will result in your phone being disabled by MTN.

Indemnity.

You are responsible for any and all liabilities, losses or damages, whether imposed on you or us, which are directly or indirectly attributable to you or any of your acts or omissions while the Device is in your possession. This provision shall survive the termination of this Agreement. To the extent permitted by law, you will reimburse us for any expenses we incur in connection with the defense of any claim or action you are responsible for under this Agreement including but not limited to, actual and reasonable attorney fees. 

Governing Law and Jurisdiction.

This Agreement and any claim, dispute or cause of action (whether in contract, tort or otherwise) based upon, arising out of or relating to this Agreement and the transactions contemplated hereby shall be governed by the laws of the Republic of Rwanda and referred to the courts of the Republic of Rwanda.

Additional Terms.

The Bank may, at any time, without your consent, assign or transfer this Agreement to an affiliate or third party. You may not assign this Agreement or any interest therein without the prior written consent of the Bank. We will check your credit record with a credit reporting bureau and your customer data records with MTN and you hereby consent to such processing, and you may not be able to purchase a Device under this Agreement if you do not meet the Bank’s applicable credit standards and criteria. 

Assignment and Disclosure of Information. 

You consent irrevocably to any future transfer and assignment by us of the loan, whether as part of a loan transfer scheme or otherwise. You also authorize us, that in the event of default, to disclose the outstanding balance due on the Devices and means of contacting you to credit reference agencies and collection agencies.  You also authorize us and Bank’s partners to process your payment transaction and other data as part of this agreement.

Customer Representations and Warranties.

You represent and warrant as follows:

• The information given to us verbally, via email or other electronic medium or in other form of writing as well as documents submitted in support of the Device financing are true, accurate and complete. You are solely responsible for the correctness of such information. We shall not be liable for relying on any documentation provided by you and also accept no liability for consequences arising out of any erroneous, incorrect or incomplete information supplied by you. If you suspect that there is an error in the information you have provided to us, you shall promptly inform us accordingly without undue delay. We will endeavor to correct the error whenever and wherever possible on a ‘best effort’ basis but shall have no liability arising therefrom.

This offer is subject to verification checks. In the event that your application is unsuccessful, your documents shall be returned to you.

Memorandum of Acceptance

I hereby accept the terms and conditions contained in this Subscription Agreement for Device Financing.

I have read and understood the statements above and my signature hereunder or the One Time Password (“OTP”) that I have given to the sales representative/agent represents my true and authentic consent and is evidence of my agreement to be bound by the terms of this Agreement between myself, MTN and the Bank.

AMATEGEKO N’AMABWIRIZA AJYANYE NO KWIYANDIKISHA KU IFATABUGUZI RYA SERIVISI Z’ITUMANAHO ZA MTN “Macye Macye” HARIMO NA TELEFONI

Amabwiriza rusange

Muguushyira umukono kuri aya masezerano yo kwiyandikisha ku ifatabuguzi (hano yiswe “AMASEZERANO”) akozwe hagati yawe ubwawe, MTN Rwandacell Plc (yiswe “MTN” muri aya  masezerano) na Banki XYZ (yiswe “BANKI” muri aya  masezerano), wowe uguze (wiswe “WOWE” cyangwa “UMUGUZI” muri aya masezerano) uraba wemeye kugura telefoni (yiswe “IGIKORESHO CY’ITUMANAHO” muri aya  masezerano) ariko ubwishyu bwayo bwose ukagenda ubutanga mu byiciro, ukazajya wishyura serivisi y’itumanaho uhawe na MTN utanga buri kwezi umubare w’amafaranga wagenwe (muri aya masezerano wiswe “IKIGUZI CY’ITUMANAHO” kandi ukabikora mu gihe kingana n’amezi 12 (hano cyiswe “IGIHE CY’IKURIKIZWA RY’AMASEZERANO”), ukubahiriza ibikubiye muri aya mabwiriza.

Ikiguzi cy’Itumanaho kingana na rwf 1,000 na rwf 500 ni umubare w’amafaranga wiyemeje kwishyura buri kwezi mu gihe aya masezerano azaba agikurikizwa, ukaba udahinduka keretse uramutse udatanze ubwishyu bwawe usanzwe utanga buri kwezi.

Ikiguzi cy’Itumanaho gikubiyemo ubwishyu bwa buri kwezi ku giciro cy’Igikoresho cy’Itumanaho, amafaranga uzakoresha kuri interineti, ayo uzakoresha uhamagara ndetse n’ayo uzakoresha wohereza ubutumwa bugufi, byose bigatangwa buri kwezi na MTN, umuyoboro ukoresha. Buri kwezi, uzajya usabwa kwishyura amafaranga ahwanye n’Ikiguzi cy’Itumanaho ukoresheje konti ya MTN Mobile Money (yiswe “Momo” muri aya masezerano). Ubwishyu bushobora gutangwa mu byiciro buri munsi, buri cyumweru cyangwa buri kwezi ariko umubare wuzuye w’amafaranga yagenwe yishyurwa mu kwezi ukaba watanzwe mbere yuko itariki ubwishyu bw’ukwezi butangirwaho igera kandi ntibirenze umunsi umwe (1) mbere y’iyo tariki ntarengwa yo kwishyuriraho. Hashingiwe kuri aya masezerano, uhaye MTN uburenganzira bwo kuzajya ikura buri munsi/cyumweru/kwezi kuri konti yawe ya “Momo” amafaranga ajyanye n’ifatabuguzi ku itumanaho wafashe buri kwezi.

Ubwishyu bw’ukwezi nibumara gutangwa bwose, ku itariki wiyandikishirijeho ufata ifatabuguzi MTN izajya iguha serivisi z’itumanaho z’ukwezi gukurikiyeho.

Umukiriya / Urebwa n’aya masezerano

Iyo tuvuze “Wowe” cyangwa “UMUGUZI” bisobanura umuntu ku giti cye uba ari n’umukiriya wafashe ifatabuguzi. Wasobanukiwe kandi wemeye kuzajya wishyura umubare w’amafaranga uwo ari wo wose usabwa muri aya masezerano. Ntabwo wemerewe gushyira umukono kuri aya masezerano mu izina ry’undi muntu, undi muryango, ikindi kigo cy’ubucuruzi cyangwa urundi rwego rwa Leta kandi wiyemeje ku giti cyawe kubahiriza ibiyakubiyemo nubwo twasanga harimo ingingo zihabanye.

Kwemera Igikoresho cy’Itumanaho

Wemeye guha ijambo ry’urufunguzo (“OTP”) abahagarariye ibikorwa byacu by’ubucuruzi cyangwa abakozi bacu badahoraho kugira ngo bajye bagufasha mu gikorwa cyo kwishyura Igikoresho cy’Itumanaho.

Ubwishyu bwa mbere bw’ukwezi butangwa n’umukiriya

Gutanga ubwishyu bwa mbere bw’ukwezi bikorwa hifashishijwe konti ya “Momo” ku mukozi ushinzwe ibikorwa by’ubucuruzi muri MTN cyangwa ku maduka y’abafatanyabikorwa ba MTN. Iki ni cyo kintu cy’ibanze gikorwa kugira ngo ubusabe bwemerwe. Iyo ari ngombwa gutanga avansi kugira ngo uhabwe serivisi yatoranyijwe, ubwishyu na bwo butangwa bunyujijwe kuri konti ya “Momo” ku mukozi ushinzwe ibikorwa by’ubucuruzi muri MTN.

Amafaranga yishyurwa buri kwezi

Kwiyandikisha kuri izo serivisi bikorwa mbere y’itariki wiyandikishirijeho uhabwa ifatabuguzi maze ubwishyu bwa buri munsi/cyumweru/kwezi buhwanye n’amafaranga y’Ikiguzi cy’Itumanaho cya buri kwezi bukavanwa kuri konti ya “Momo”.

Numara gutanga ubwishyu bwose bw’ukwezi, ku itariki wiyandikishirijeho uhabwa ifatabuguzi MTN izajya iguha serivisi z’itumanaho zizakoreshwa mu kwezi gukurikiyeho zirimo – amafaranga yo guhamagara, amafaranga ukoresha kuri interineti n’izindi serivisi z’itumanaho.

MTN ntiyishingira na rimwe igihombo icyo ari cyo cyose, amafaranga wasohoye cyangwa ibyangiritse mu buryo ubwo ari bwo bwose bitewe nawe kubera kutubahiriza ibisabwa.

Iyo unaniwe gutanga ubwishyu ku ifatabuguzi ry’itumanaho, bituma duhita tuvana Igikoresho cy’Itumanaho cyawe ku murongo. Telefoni yawe isubizwa ku murongo iyo umaze kwishyura amafaranga yose y’ibirarane ku ifatabuguzi (urasabwa gukurikiza amabwiriza akubiye mu nyandiko itanga ibisobanuro iri mu gakarito karimo Igikoresho cy’Itumanaho).

Ikindi ugomba kumenya ni uko Banki ifite uburenganzira bwo kumenyesha Ibiro bishinzwe inguzanyo n’inzego ngenzuramikorere zibishinzwe cyangwa ibigo bya leta ko wananiwe kwishyura uko bisabwa. Amafaranga yose yishyuwe ku birarane akusanywa n’abakozi bacu babishinzwe ariko Banki na yo ikaba ifite uburenganzira bwo gukurikirana umukiriya uwo ari we wese wananiwe kubahiriza amasezerano.

Kurinda igikoresho cy’Itumanaho

Mu gihe habaye ubujura hakagaragazwa inyandiko zisabwa zerekana ko hari ikirego cyatanzwe kijyanye n’ubwo bujura, Banki iguha indi telefoni igezweho isimbura ya yindi kandi ihwanye na yo, ikabikora nta kiguzi igusabye. Uko gusimbuza telefoni indi bikorwa inshuro imwe gusa mu masezerano amara amezi 12.

Ku birenze ibyo, amabwiriza y’ubu bwinshingizi k’ubwishyu azakurikizwa.

1. Mugihe cyo guhindura telephone, umukiriya bireba azasabwa kugira uruhare yishyura rungana n’ijanisha rya;

• Kuri telephone wafashe muri gahunda ya Device financing ikaba itararenza amezi 6 uyifashe wishyura 20%
• Kuri telephone wafashe muri gahunda ya Device financing ikaba imaze 6 kugeza kuri 12 uwayifashe wishyura 30%

1. Mugihe cyo guhindura ikirahure cya telephone cyangiritse, umukiriya bireba azasabwa kugira uruhare yishyura rungana

• Kuri telephone wafashe muri gahunda ya Device financing ikaba itararenza amezi 6 uyifashe wishyura 20%
• Kuri telephone wafashe muri gahunda ya Device financing ikaba itararenza amezi 6 uyifashe wishyura 30%

Mu gihe amasezerano agifite agaciro hakaba ibura, ubujura cyangwa iyangirika ry’Igikoresho bitewe n’impamvu iyo ari yo yose uretse iyavuzwe, ugomba kubyirengera.

Mu gihe Igikoresho cy’Itumanaho cyabuze, Banki ifite uburenganzira bwo gusesa amasezerano yo gutanga inguzanyo yakozwe aherekejwe n’agaciro k’icyo Gikoresho cy’Itumanaho cyabuze ikanagira uburenganzira bwo guha umukiriya andi masezerano mu gihe iyi ngingo yatangijwe.

Umukono ushyizweho mu buryo bw’ikoranabuhanga

Wemeje ko umukono ushyizwe kuri aya masezerano ari umukono wawe w’umwimerere ushobora gushingirwaho mu kugenzura umukono wawe ushyira ku nyandiko mu buryo bw’ikoranabuhanga. Wemeje kandi ko uyu mukono wawe ushobora gukoreshwa mu kugenzura umukono ushyira ku masezerano cyangwa ku nyandiko zinyuranye mu buryo bw’ikoranabuhanga ukaba uhuye n’umukono wawe w’umwimerere. Mu gihe uhinduye umukono wawe, ugomba guhita ubitumenyesha. Ntabwo turyozwa imyenda iyo ari yo yose, igihombo cyangwa ibyangiritse bitewe no kunanirwa kubahiriza ibisabwa.

Kutubahiriza aya mabwiriza

Nubona kimwe muri ibi bikorwa bikurikira (muri aya masezerano cyiswe “IGIKORWA CYO KUTUBAHIRIZA AMABWIRIZA“) kibaye, uzaba utubahirije aya masezerano:

• kunanirwa gutanga ubwishyu ku ifatabuguzi ry’itumanaho mbere y’itariki yagenwe;
• kurenga ku kintu icyo ari cyo cyose, cyumvukanyweho muri aya masezerano;
• kuba wararezwe igihombo mu nkiko;
• Hashingiwe ku ingingo ya 7 y’itegeko numero 075/2021 ryo ku wa 06/12/2021 byerekeye  ku gihombo cy’isosiyete mu Rwanda
• kunanirwa gushyira ku mugaragaro cyangwa kugaragaza amakuru y’ibinyoma, ayobya cyangwa agoretse yatanzwe mu gusaba Igikoresho cy’Itumanaho cyangwa mu gihe cy’ikurikizwa ry’aya masezerano;
• kutubahiriza cyangwa kudakurikiza ibisabwa muri aya masezerano cyangwa ibyumvikanyweho bijyanye n‘inshingano zawe hanyuma bigakomeza ntibikemurwe mu minsi icumi (10) uhereye igihe yamenyesherejwe ko atubahiriza ibisabwa;
• gushyira nomero y’Igikoresho cy’Itumanaho cyawe ku wundi muyoboro utari MTN, ukabikora mbere yo kurangiza kwishyura amafaranga yose uyisabwaho.

Mu gihe utubahirije aya masezerano, amafaranga asigaye ku Kiguzi cy’Itumanaho kugira ngo wibutswe Igihe Ntarengwa azihuta hanyuma ashiremo usabwe kwishyura. Tuzahita tuvana Igikoresho cy’Itumanaho ku murongo kandi ntuzanashobora kugikoresha ku yindi miyoboro y‘itumanaho.

Ibyakorwa mu gihe amabwiriza atubahirijwe

Mu gihe habaye ukutubahiriza amasezerano, dufite uburenganzira bwo gukora kimwe cyangwa byinshi muri ibi bikurikira:

• kuvana ku murongo Igikoresho cy’Itumanaho ku buryo serivisi zacyo zose zitazashobora gukora;
• kugusaba guhita wishyura amafaranga yose asigaye atarishyurwa;
• kugusaba kutwishyura ikiguzi cyo gukusanya ibirarane;
• gushyira amafaranga ahagije kuri konti yawe ya “Momo“ angana n’Ikiguzi cy’Itumanaho cy’ukwezi hanyuma ugakurikiza amabwiriza akubiye mu nyandiko itanga ibisobanuro iri mu gakarito karimo Igikoresho wahawe n’uhagarariye ibikorwa byacu by‘ubucuruzi.
• Mugihe watinze kwishyura ubwishyu bwa buri kwezi, MTN ishobora kureba niba hari amafaranga ari ku zindi nimero zikubaruyeho hakurikijwe nimero z’irangamuntu/Passport watanze ubwo washyiraga umukono ku masezerano ya MTN “Product name” hamwe na bank.

Kwegukana Igikoresho

Banki izakomeza kugira uburenganzira ihabwa n’itegeko ku Gikoresho cy’Itumanaho kugeza igihe uzarangiriza kuyishyura amafaranga yose y’Ikiguzi cy’Itumanaho mu gihe cyateganyijwe. Uzegukana burundu Igikoresho cy’Itumanaho numara kwishyura Banki amafaranga yose harimo n’andi anyuranye asabwa kuri icyo Gikoresho.

Kudakoresha Igikoresho cy’Itumanaho ku wundi muyoboro

Binyujijwe muri aya masezerano, wemeye ko utazigera ushyira nomero y’iki Gikoresho cy‘Itumanaho ku wundi muyoboro w’itumanaho kugeza urangije kwishyura Banki na MTN amafaranga yose usabwa. Nuramuka unaniwe kubahiriza ibisabwa, MTN izavana ku murongo telefoni yawe.

Indishyi

Wishingiye ingaruka zose zakubaho cyangwa zatubaho zitewe nawe cyangwa ibikorwa byawe cyangwa ibyo utakoze mu buryo buziguye cyangwa butaziguye zikaba zashingira ku gihombo icyo ari cyo cyose, ibura cyangwa iyangirika bijyanye n’icyo Gikoresho cy‘Itumanaho, mu gihe cyose kizaba kiri mu maboko yawe. Iyi ngingo ni yo izatuma aya masezerano adaseswa. Nk’uko biteganywa n’amategeko, uzatwishyura amafaranga yose azakoreshwa mu gukurikirana ikirego cyangwa urubanza urwo ari rwo rwose ruzaba rwaguturutseho hashingiwe kuri aya masezerano harimo n’igihembo cy’avoka.

Amategeko n’inkiko byakwifashishwa

Aya masezerano kimwe n’ikirego, amakimbirane cyangwa impamvu yatuma haba urubanza (haba mu masezerano, mu bibangamye cyangwa mu bundi buryo) byavuka mu buryo bufitanye isano na yo ndetse n’ubucuruzi bugamijwe muri aya masezerano, byose bizagengwa n’amategeko ya Repubulika y’u Rwanda kandi bikemurwe n’inkiko za Repubulika y’u Rwanda.

Amabwiriza y’inyongera

Igihe icyo ari cyo cyose, Banki ishobora guha cyangwa kwimurira aya masezerano ku mufatanyabikorwa wayo cyangwa undi muntu itabanje kugusaba uruhushya. Ntushobora gutanga aya masezerano cyangwa inyungu iyakomokaho utabanje kubiherwa uruhushya rwanditse na Banki. Twifashisha Ibiro bishinzwe gutanga raporo ku nguzanyo mu kugenzura inyandiko yawe y’inguzanyo hanyuma MTN ikagenzura inyandiko y’amakuru ku mukiriya. Binyujijwe muri aya masezerano, wemeye ubwo buryo dukoresha kandi ntushobora kugura Igikoresho cy’Itumanaho uyashingiyeho mu gihe utujuje ibisabwa mu mabwiriza yacu agenga inguzanyo ndetse n’ibishingirwaho mu gutanga umwenda.

Gutanga no kumenyekanisha amakuru

Utwemereye bidasubirwaho ko twakwimura tugaha umwenda wawe undi muntu, haba mu rwego rwo gutanga inguzanyo cyangwa mu bundi buryo. Utwemereye kandi ko mu gihe habaye ukutubahiriza amabwiriza, tuzagaragariza ibigo bishinzwe inguzanyo hamwe n’ibigo bishinzwe gukusanya ibirarane umwenda uzaba utarishyurwa ku Gikoresho cy’Itumanaho cyawe ndetse n’uburyo ababishinzwe bakugeraho. Utwemereye kandi twebwe n’abafatanyabikorwa bacu kuzajya tugukuraho amafaranga y’ubwishyu n’andi asabwa dushingiye kuri aya masezerano.

Guhagararira umukiriya no kumwishingira

Uhagarariwe kandi wishingiwe mu buryo bukurikira:

• Amakuru waduhaye mu magambo ndetse n’ayo watwoherereje kuri imeyili cyangwa ukoresheje ubundi buryo bw’ikoranabuhanga cyangwa mu nyandiko nk’izo watanze zijyanye n’imyishyurire ku Gikoresho cy’Itumanaho, yose ni ukuri, arasobanutse kandi aruzuye. Icyo ushinzwe gusa ni ukureba niba hari ibyo wakosoramo. Ntabwo twaryozwa gushingira ku nyandiko iyo ari yo yose watanze ngo twemere kwirengera ingaruka zikomoka ku makuru ayo ari yo yose agoretse, atari yo cyangwa atuzuye watanze. Niba ukeka ko mu makuru waduhaye harimo ikosa, ugomba guhita uduha ibisobanuro udatinze. Tuzakora uko dushoboye tugerageze gukosora iryo kosa igihe cyose bizashoboka n’aho bizashoboka ariko ntituzaryozwa igihombo kizarikomokaho.

Ibi bigomba kugenzurwa. Mu gihe ubusabe bwawe butemewe, inyandiko zawe urazisubizwa.

Kwemera amasezerano

Ndemera amabwiriza akubiye muri aya masezerano yo kwiyandikisha ku ifatabuguzi ry’Igikoresho cy’Itumanaho.

Nasomye kandi nsobanukirwa neza n’ibyavuzwe haruguru; bityo, umukono wanjye nshyize hano hepfo cyangwa Ijambo ry’urufunguzo (“OTP”) mpaye umukozi wanyu bigaragaza ko mbyemeye nta shiti kandi bikaba na gihamya y’aya masezerano agomba kubahirizwa hagati yanjye, MTN na Banki.