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.