Terms and conditions

1. Introduction 

Mobile Money Rwanda Limited (MMRL) is a wholly owned subsidiary of MTN Rwandacell Plc (MTN) licensed by the National Bank of Rwanda to provide mobile financial services (payment services) with effect from 27th April 2021. Mobile Money Rwanda Limited (hereinafter referred to as “the Organiser”) is a private company incorporated and registered in the Republic of Rwanda. 

MMRL is launching a Customer and Merchant Promotion named “Impano Ziva MoMotima” (hereinafter referred to as the “Promo”) to reward Mobile Money (MoMo) customers and merchants for using MoMoPay services as a digital payment solution.

These Terms and Conditions apply to all eligible Participants in the Promo. During the period of the Promo, the Terms and Conditions shall be available to all the Participants on the Website (https://www.mtn.co.rw)

The Participants will be able to obtain additional information regarding the Promo and its  Terms and Conditions by contacting our Call Centre on 100 (Toll-Free) from any mobile telephone that is subscribed to MTN’s network. 

The Terms and Conditions (Hereinafter the “Terms”) contained herein shall govern all eligible Participants in the Promo for the term of the Promo. By opting into the Promo,  Participants accept all Terms and Conditions outlined herein and these rules shall be binding on all Participants in the Promo. 
The following terms and definitions will have the specific meanings assigned to them in these “Terms and Conditions.”

Active Customer/Merchant
Means a customer that has initiated any activity that generates revenue for MMRL through  MoMoPay services during the period of the Promo.


Means the Promo named “Impano Ziva MoMotima” organized by MMRL to reward all its MoMo customers and MoMoPay Merchants using MoMoPay for a period between 09th February till 31st March 2022.

Weekly Prize:

Means Friday through Thursday
Means prizes to be awarded weekly to winners for a period of 7 weeks. These will be awarded to a total of Seven Thousand Five Hundred Forty–Seven (7,547) Participants per week for the duration of the Promo.

Promo Period: 

Means starting from 12am on the 9th of February 2022 till 11.59pm on the 30th of March 2022
Means Rwandan local time (Central African Time), as observed in Kigali, Rwanda. To clarify, all time references in these Terms and Conditions are referring to GMT+2.

Terms and Conditions:

Means these Terms and Conditions of the Promo, including all the annexures, amendments thereof and any additional terms and conditions and provisions announced by MMRL before or during the Promo on its website or any other official channels of communication.

Confirmed Prize Winner:

Means a Participant who as a Winner of a Prize under these Terms and Conditions has been confirmed by the Organiser to be entitled to receive and has accepted to receive the corresponding Prize.


Means an active customer or a person who is actively using MoMoPay Services during the period of the Promo.

MoMoPay Merchant: 

Means an active merchant or a merchant allowed to received payments for the goods and services rendered using MoMoPay Services.


Means a MoMo Customer who has participated in  the Promo by dialing USSD code *182*13# to Opt-in to the promo and who is entitled to do so on the basis of these Terms and Conditions of the Promo or a MoMoPay merchant who has joined the Promo by receiving payments using MoMoPay Services


Means the Weekly Prizes to be awarded and/or obtained during the Promo as described in these Terms and Conditions of the Promo.

Means a Participant  who is awarded a prize in any of the categories of Prizes set out in these Terms and Conditions of the Promo.


Mobile Station International Subscriber Directory Number

2. Promo Period

The Promo will run for seven (7) weeks starting from 9th February 2022 to 30th March 2022 inclusive (hereafter “Term”).

3. Territory

The Promo will be conducted only within the territory known and recognised as the Republic of Rwanda (hereafter called “Rwanda”).

4. Participants

4.1 Every natural person with a permanent residence of domicile in the Promo territory, who is entitled to  participate  in the Promo.

4.2 Participation in the Promo is open to all individual customers/merchants of MoMo that  meet the following criteria (the “Customers”):

4.2.1 An active customer and/or merchant is one that has initiated any activity that generates revenue for MoMoPay Services.

4.2.2 The participant’s MSISDN which has not been suspended at any time during the period of the Promo for any reason.

4.2.3 Employees or employees’ spouses of MMRL or MMRL Parent Company and/or MMRL channel partners (such as franchisees, distributors), direct members of their families or households, relatives of direct kinship or any other person in a position to benefit illegitimately from unpublished or privileged information connected to the Promo, and all persons in a position to interfere with the operation of the Promo (legitimately or illegitimately) are excluded from participating in this Promo.

4.3 The Participant hereby warrants and represents that he/she:

4.3.1 is at least 18 years eligible to participate in the Promo in the same manner as being eligible to own a SIM card under Rwandan law.

4.3.2 is joining voluntarily and freely and is aware that there is no fee/charge for joining the Promo

4.3.3 has perused and has a clear understanding of the Terms and Conditions of the Promo and agrees that his/her participation in the Promo is conditional on full adherence to the terms and conditions herein.

4.3.4 agrees that where there is any dispute as to the usage value by the Participant, MMRL’s detailed records of the Participant’s usage shall be accepted as an accurate record for purposes of resolving the dispute.

4.4 MMRL reserves the right to verify the eligibility of Participants which will include validation of details of the Participants against the Participants’ details in MoMo Subscriber SIM Registration database. By opting into the Promo, Participants hereby agree that their personal data provided to MMRL when registering on MoMo Services and/or at the point of opting into the Promo, may be used by MMRL to monitor participation in the Promo, to provide services to Participants from time to time and to evaluate service improvements.

4.5 A Participant’s entry in the Promo shall qualify as one (1) entry for the prize draws. If a Participant participated in the Promo in breach of these Terms and Conditions of the Promo, MMRL reserves the right to designate a new winner for the relevant benefit and/or exclude the Participant from this promotion or any subsequent promotions.

4.6 To be included in the prize draw as a potential winner, Participants must have carried out revenue generating activities using the MoMoPay Services during the period of the Promo.

4.7 MMRL is entitled to exclude any Participant and/or winner, in the event that the Participant and/or Winner is seen or found to have participated in the Promo by way of fraud, deceit or in any manner which contravenes the spirit and intent of the Promo, the Terms and Conditions herewith or in a manner prejudicial and/or unfair to other Participants. MMRL is entitled to do this on the basis of a suspicion and is not bound to inform the participant or to provide proof.

4.8 The participant can only participate in the Promo during the Promo period and only in the manner described in these Terms and Conditions of the Promo. If the Participant submits his/her entry late, early, in a way other than the prescribed manner, or otherwise incomplete, he/she shall be excluded from participation without further notice.

4.9 The Participant states and guarantees that the entry information that he/she makes available to MMRL in the framework of this Promo is not unlawful and not in breach of the law. The Participant hereby explicitly and unambiguously consents to the collection, use and transfer, in electronic or other form, of Participant’s personal data that may be required to participate in this Promo.

4.10 Personal details that are provided by the Participant to MMRL in the framework of this Promo are subject to Law Nº 058/2021 of 13/10/2021 relating to the protection of personal data and privacy.

5. Winner Selection

5.1 Winners will be selected basing on their week-on-week improvement as per the metrics and the prizes to be won.

5.2 Upon selection, the Participant must present a valid ID and his/her active MTN line with him/her at the point of prize collection. Prize collection details shall be communicated by MMRL.

6. Prizes

6.1 Prizes are strictly personal, non-transferable, and non-exchangeable for goods and/or services.

Consumers/Customers Prizes
Prize Details Frequency Weekly Winners 
Total Prizes
Motorbikes Weekly 
Mobile Money (Cash) – 10,000Frw Weekly 30 
Internet 1GB Weekly 1200 
MTN Airtime (500 Frw) Weekly 300 
100 MB Weekly 3000 
20 Minutes Weekly 3000 

Merchant Prizes
Prize Details Frequency Weekly Winners 
Total Prizes
Grand Prize: Car (Toyota Rush) EOC 1
Mobile Money (Cash) – 1,000,000 Frw Weekly 
Mobile Money (Cash) – 500,000 Frw Weekly 
TV screens Weekly 
Motorbikes Weekly 
Fuel vouchers Weekly 
Air ticket(East Africa) Weekly 
Smartphones Weekly 

6.3 MMRL will award the Grand Prize of Car Toyota Rush at the end of the Promo to the Merchant winner. 

6.4 The Participant accepts that the prizes shall be received ‘as is’ and MMRL does not give any guaranty or warranty on the specifications and excludes any liability, use, utility, or fitness for purpose, of the prizes and shall not be liable for any damage caused by faults and manufacturer’s obligations, directly or indirectly. MMRL , its employees and affiliates engaged in this Promo are not liable for damage caused by faults of whichever nature in the software, computer, network, the internet that caused the entry of any Participant to be received late, poorly, delayed or not at all by MMRL. MMRL is not responsible or liable in the event of fraud by Participants.  

6.5 From the moment a prize is handed over to winner, the Winner shall be responsible for all other associated costs including transport and other costs.

6.6 Any withholding, income, or other taxes, charges, costs and expenses associated with any Prizes and their collection shall be the Winner’s responsibility.  

6.7 Each Participant (and/or MSISDN) is eligible to win only one Prize in the two (2) defined Categories throughout  the duration of the Promo in respect of the weekly prizes. 

6.8 Winners of prizes shall be contacted via voice calls from MMRL’s line +250784000000, with details on how to  redeem their prizes Others VIA TEXT MESSAGE EXCEPT FOR REMINDING THEM TO COME AND COLLECT THEIR  PRIZES. 


6.10 During a period of fifteen (15) days following the end of each Winner Selection, at least three attempts will be made to communicate by telephone from MMRL’s designated line with the selected winner using the MSISDN corresponding to the entry, in order to notify the winner of the prize awarded and how it may be claimed. Some personal data will be required of the winner, including but not limited to: name, government issued identification document and SIM card, to verify his/her identity. 

6.11 In the event that it is not possible to establish a telephone communication with the Winner and when the aforementioned attempts for such purpose have been made, the Winner will be replaced with someone else. MMRL is only under the obligation to make reasonable efforts to establish telephone communication with the Winner and is not in a position to guarantee successful connection and as such, shall not be held liable. The rights of the Winner at this point automatically extinguish if MMRL is unable to reach him/her within fifteen (15) days. MMRL  shall not be held liable for the inability to reach any Winner or failure to present the prize to the Winner where such attempts at communication were not successful.

6.12 Winners are expected to present themselves physically, at their own cost, at the location communicated by MMRL for proper identification and collection of Prizes. All Winners may be required to collect their prizes at a special event to be organised by MMRL at MMRL’s discretion, details of which shall be communicated to the Winners at the relevant time. The Winners shall be expected to adhere to all measures put in place to ensure compliance with all COVID-19 preventative measures. Any Winner whose temperature is higher than the accepted temperature level, or who refuses to adhere to any preventative measures will not be granted access to the location and an alternative method of delivering the prize to the Winner shall be determined by MMRL. Prizes not redeemed within fifteen (15) days shall be deemed forfeited without any liability to MMRL.  

6.13 At MMRL’s sole discretion, Prizes, other than Cash Prize, may be dispatched to the Winners or the nearest regional office location or the nearest dealer/service centre closest to the Winners for collection by the Winners. The Winners shall be expected to adhere to all measures put in place to ensure compliance with all COVID-19 preventative measures. Any Winner who is not wearing a mask, whose temperature is higher than the accepted temperature level, or who refuses to adhere to any other preventative measure will not be granted access to the location and an alternative method of delivering the prize to the Winner shall be determined by MMRL.  

6.14 Any expense and costs not explicitly indicated as part of the prize herein, including but not limited to insurance, travel expenses, accommodation, license fees or taxes, are the responsibility of the Winner. 

6.15 Winners of prizes shall sign a Prize Acceptance (form) prior to the collection of the Prize except for the winners of Cash prize which will be sent via MoMo. By signing the Prize Acceptance Form, Winners authorise the use of their name, image, videos, audio for such publicity purposes as MMRL may deem necessary, and their appearance in any publicity initiative to be carried out by MMRL. Such publicity initiatives shall take place during and after the period of the Promo. In the event that a Winner does not wish to have his/her name and personal information published in this manner, MMRL will respect such wishes and oblige the request provided that a written notice to that effect is delivered at MMRL’s office at the address stated above and such request is acknowledged in writing by MMRL prior to the conclusion of plans for such publication. 

6.16 Winners are considered to be the registered holders of the winning MSISDNs. For the purpose of claiming the Prize, Winners shall have to present themselves physically along with a valid Identification document. The valid identification document presented must be the same type of identification document that was used by the Winner at the time of registering his/her SIM card on Mobile Money that he/she used to register his/her corresponding to the MSISDN registered by the participant in the Promo and respective identification; otherwise they will have no right to the Prize which they were considered for. In the event that the Winner is unable to satisfactorily prove the ownership of the MSISDN as required, such Winner will be disqualified from being awarded the Prize and the Prize will not be given out in that week and will form part of the available prizes for the following week. This will apply when a Winner is disqualified for any valid reason. 

6.17 The names of the winners and the prizes awarded will be published on the Website https://www.mtn.co.rw and other MMRL Social Media Platforms.

6.18 If a Winner rejects the prize won through the random draw selection, such rejection must be done in writing and MMRL would then have the right to award the prize to the following Substitute. 

7. Disqualifications  

Any Participant may be disqualified at any stage of the Rewards, for any of the following reasons: 

7.1 In the event that the Winner does not sign the Acceptance of the Prize form, irrespective of the reason(s) for  such; 

7.2 In the event that the Winner does not provide an acceptable identification document as registered on his/her  SIM card as required by these Terms and Conditions; 

7.3 In the event that the WinIn the event that the Winner, for whatever reason(s), does not accept in full and without reservation these Terms and Conditions and his/her obligations which arise from the acceptance of such Terms and Conditions, and in respect of the allocation of the prize; 

7.4 In the event that the Winner refuses to adhere to the COVID-19 preventative measures in place and does not  accept the alternative method of Prize delivery that is proposed by MMRL;  

7.5 In the event of incompatibility arising from the selected Winner not meeting the eligibility criteria (e.g., the fact that the selected winner is related directly or indirectly with the Organiser or is under and above the eligible age) in accordance with that set forth in the present Terms and Conditions. 

7.6 The failure to comply with or observe any of these Terms and Conditions of the Promo set out herein. 

7.7 In the event that the same MSISDN has previously won a Prize in any of the other categories. 

7.8 For any other reason which MMRL may, at its discretion deem fit.

8. General Conditions 

8.1 The Promo and features of the Promo shall be protected by intellectual property rights belonging to the Organiser or to their licensors. No licence is granted to Participants in respect of any such rights, except to the extent required for Participants personal participation in the Promo in accordance with these terms and conditions. “MMRL” and all legal variations of MMRL or MMRL parent company name , any other MMRL product name or Promo name are trademarks of MMRL, and Participants shall not be entitled to reproduce such marks (other than to the extent required for Participants personal use of the Rewards) without MMRL’s prior written consent.

8.2 Some aspects of the Promo may be supplied to the Organiser by third parties and while the Organiser shall exercise all due care to ensure that such third parties comply with all applicable rules, the Organiser makes no promises, and does not accept any liability, either express or implied as to the Promo, including but not limited to its accuracy, relevance or quality, except as stated in these Terms and Conditions.

8.3 Any deviation from the rules and/or attempt to manipulate the outcome of the Promo or the entitlement to a Prize will result in an automatic disqualification of that Participant. The Organiser shall be entitled to affect the disqualification without reference or recourse to the Participant(s) carrying out the said manipulation. 

8.4 The Organiser reserves the right to modify, supplement or terminate all or part of this Promo at any time without notice and without liability of any kind, except with regard to winnings that have legitimately accrued, and that the Organiser have recognised before the date of such modification, supplement or termination. 

8.5 The Organiser reserves the right to replace the advertised prizes with prizes of the same or greater value at their sole discretion. 

8.6 The Organiser accepts no responsibility for any incorrect or incomplete registration details that Participants may supply as part of the registration of their SIM Cards or for the Promo. 

8.7 The Organiser gives no warranty or guarantee whatsoever in relation to any Prize and Participants hereby release and hold the Organiser and their agents harmless from any and all liability, injury, loss or damage of any kind, so far as it is permitted by law, arising from the participation or Participant’s acceptance of use or use of any Prize. Any participation in the Promo is entirely at the risk of the Participant and in no event shall the Organiser be liable for any direct, indirect, incidental or consequential damages including without limitation loss of income, data or other information as a result of the use of or inability to use the Promo.

8.8 The Organiser reserves the right to disqualify any entry at its sole discretion.

9. Organiser Responsibilities  

9.1 The Organiser’s liability only encompasses selection of Winners and giving out of the Prizes to the confirmed Winners and does not include any warranty on the condition of the prizes. The Organiser bears no liability whatsoever to any Participant or other person that attempts to takes part in the Promo in violation of any applicable laws, contractual obligations or provisions of these Terms and Conditions. The Organiser will also take all necessary steps to comply with the mandatory requirements imposed upon the Organiser of the Promo by the applicable provisions of all applicable Rwandan laws. 

9.2 Any claim of a Participant will be resolved by the Organiser, if it is well-founded, assuring the equality of chances for the Participants and repairing the prejudice, if possible. 

10. Disclosure and Publicity 

The Organiser shall be responsible for publicising the Promo and the publicity may be through a range of publicity  formats and in all media. 

11. Acceptance of the Terms and Conditions

Participation in this Promo shall mean full acceptance, on the part of the Participants, of the present Terms and  Conditions. 

The present Terms and Conditions shall be available free of charge at the website https://www.mtn.co.rw .

12. Protection of Personal Data 

12.1 By participating in the Promo, the Participants expressly agree that personal data which they supply shall be processed by the Organiser for the purposes of executing the Promo and also for the purpose of publicising the Promo and the Organiser. It is hereby specified that the Organiser guarantees that publicity, entailing the sharing with third parties of personal data supplied as a result of participation in the Promo, (including through television, the press, leaflets and other means and formats of communication) shall be made only with respect to the winners of the Prizes and will only indicate the given names and surnames of the winners, their images and voices (contained in photographic records, audio, video and other types of records, made with the purposes of publicity connected to the Promo). The winning Participants give, through their participation in the Promo, express consent for the use of this data in formats herein defined. Following the termination of the Promo, the personal data will be destroyed where applicable. 

12.2 In accordance with local laws and regulations, the Organiser respects the privacy of Participants of this Promo, by which it is committed to the use of technology in a transparent form and in strict observance of the rights, freedom and guarantees of the Participants and by the reservation of the intimacy of their private and family life. The personal data collected within the scope of this Promo will be treated as private and confidential. It shall not be disclosed to other individuals or organisations, except in the event of legislation to the contrary or where such is authorised by the Participants themselves. The data will be stored on servers with access controlled on a need-to-know basis and limited by passwords. 

13. Amendments to the Terms and Conditions 

13.1. The Organiser reserves the right to alter, suspend or cancel this Promo and respective Terms and Conditions, without prior notice and, where required, upon prior authorisation issued by the appropriate authorities. The new rules shall come into force upon disclosure by publication on the website https://www.mtn.co.rw. The revised Terms and Conditions will be applicable from the date of their publication, therefore any activities carried by Participants prior to the revision of the Terms and Conditions will be governed by the version of the Terms and Conditions valid at the time of such activities.  

13.2 No claim in respect of any alteration of the present Terms and Conditions is enforceable against the Organiser following the moment at which this alteration becomes available for online consultation on the website https://www.mtn.co.rw

13.3 In the event that the Promo is suspended prior to the period designated for its conclusion, namely prior to the 30th March 2022, the Organiser shall award the Prizes to the winners selected up to the date of the suspension of the Promo, in accordance with the present Terms and Conditions. 

14. Final Provisions 

14.1 In no event shall the Organiser be held liable for external fluctuations that might affect the economic value of the allocated prizes 

14.2 The present Terms and Conditions shall come into force on the 9th February 2022 and remain valid until to 30th March 2022 included or until amended or suspended by the Organiser. They may be consulted on the website (https://www.mtn.co.rw) during the Duration Period of the Promo. Participants may request additional information in respect of matters connected to the Promo, as well as suggestions or possible complaints, by calling 100 (Toll-Free) from a mobile telephone that is subscribed to MTN’s mobile network 24 hours a day, 7 days a week, during the Promo Period.

14.3 Any dispute arising from or connected to this Promo shall be subject to the exclusive jurisdiction of the Rwandan competent authorities and in accordance with Rwandan law.