M-sente Terms & Conditions

The following terms represent the M-sente Mobile Money Service Agreement between you and Uganda Telecommunications Corporation Limited (UTCL ).

I confirm that I have read, understand, and hereby agree to the following terms before using the M-sente Mobile Money Service (M-sente Services):

      1. UTCL reserves the right to reject my application without assigning any reason.
      2. UTCL further reserves the right to retain any application forms and all documents/proof of identity provided including photographs.
      3. Rules and regulations applicable to UTCL and to mobile money services in Uganda shall apply in the same manner or with necessary alterations to transactions executed through M-sente.
      4. M-sente services shall not be claimed as a right. Any dispute arising out of this order shall be referred to arbitration in accordance with the Arbitration and Conciliation Act, Chapter 4, before a single arbitrator appointed by both parties. The place of arbitration shall be Kampala and each party shall bear its own costs incurred during the arbitration process.
      5. UTCL reserves the right to modify M-sente services offered or the Terms of service herein.
      6. UTCL makes no warranty of any kind, direct or implied, including any implied warranty of merchantability or fitness for a particular purpose, in connection with the M-sente service provided to me under this Agreement. UTCL does not warrant that the M-sente service will operate without errors, or that any or all M-sente service will be available and operational at all times, except as specifically provided in this Agreement, or otherwise required by law.
      7. UTCL’s Directors, employees, Agents or contractors shall not liable for any indirect, incidental, special or consequential damages by reason of my use of or access to the products provided under this Agreement or M-sente service, including loss of profits, revenue, data or use by myself or any third party, whether in an action in contract or tort.
      8. Without prejudice to clause 7 above, in no event shall the liability of UTCL or its affiliates exceed actual loss arising out of use of the M-sente service.
      9. I hereby indemnify and hold UTCL harmless in respect of any instruction originating from my device, even if the instruction is sent in error or under mistaken identity.
      10. I warrant that I have the capacity to enter into and be bound by this Agreement. (Any person that enters into this Agreement below the age of 18 years must be assisted by their legal guardian or parents.)
      11. UTCL may terminate my access to M-sente Services where there is any breach of the terms and conditions herein.
      12. UTCL may amend these terms at any time without notice except as may be required by law. Use of the M-sente Services after the effective date of an amendment shall be deemed to be an acceptance of such amendment. Such variation shall then be deemed to have been incorporated in this Agreement at the date of my acceptance of these terms
      13. It is your responsibility to protect your device against viruses when using or accessing M-sente Services. UTCL shall not be liable for any virus (es) that you may encounter.
      14. UTCL requires customers to register for the M-sente Services upon which a PIN (Personal Identification Number) shall be issued to access the services in addition to using a secure Internet provider. Customers who have existing accounts may only obtain a Customer PIN.
      15. Upon being issued with a PIN, the customer shall observe the following guidelines to guard against fraud.
      16. It is your responsibility to keep your PIN secret and confidential at all times. Do not give out your account information and PIN to another person (including a UTCL employee) or allow that other person to access the M-sente Services or transact on your behalf.
        1. Never send privileged account information such as your mobile number or PIN via the e-mail system
        2. Never leave your mobile device unattended while accessing the M-sente Services
      17. Do not to send UTCL or request for sensitive information such as account numbers, PIN, financial information via any general or another SMS system. You may contact UTCL electronically via SMS using a UTCL mobile number or using the mail facility forms provided on UTCLs website. You may use the secure form for emails concerning the following types of inquiries:
        1. Electronic Funds Transfer Error Resolution.
        2. Reporting Unauthorized Transactions.
        3. Contacting UTCL about other concerns of a confidential nature.
      18. Do not share your PIN with any UTCL employee whether via the Internet or any other mode of communication. Do not respond to any request for your PIN even if the individual claims to represent UTCL .
      19. Report any unauthorized transaction that has been or may be conducted from your deposit account without your permission, call customer service by dialing 100 or send an email to customercare.info@utcl.co.ug
      20. The M-sente Services shall be accessible all twenty-four hours seven days a week, all year round.
      21. Report any error or question about any bill payment service transaction or other electronic transfer initiated from your deposit account(s) under the M-sente Services to UTCL through the Contact customer service by dialing 100.
      22. UTCL and its affiliates or service providers may on a regular basis perform maintenance on the equipment or system upgrades, which may result in interrupted service or errors in the Service. UTCL also may need to change the scope of Services from time to time. UTCL will endeavor to give prior notice of such interruptions and changes.
      23. The content and all information concerning this Mobile Money Application is and shall remain the property of UTCL . It shall not be duplicated, or copied by any means.
      24. UTCL reserves the right to block access to M-sente Services to maintain or restore the security of our systems if we reasonably believe your access codes/ PIN have been or may be obtained or are being used or may be used by an unauthorized person(s).
      25. If any part of this agreement is found to be illegal or unenforceable the remaining provisions of this agreement shall remain in full force and effect.
      26. The customer shall pay to UTCL the fees and charges determined by UTCL as may be varied from time to time. All fees and charges shall be as per M-sente tariff guide published on UTCL website utcl.co.ug

This Agreement shall be governed by and construed in accordance with the laws of Uganda.

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