These Terms and Conditions govern your use of the Bisrat Equb website and application (the Service), provided by Bisrat Digital Technology Solution, 2P7Q+72X Ahemed Business Center, Sao Thome & Principe St, Addis Ababa 1000, Ethiopia (Bisrat, we, us, or our). Please read them before using the Service.
Acceptance of these Terms
By accessing or using the Service, you agree to these Terms. If you do not agree, please stop using the Service. If you use the Service on behalf of an organization, you must have authority to accept these Terms for that organization.
About the Service
Bisrat provides digital tools to help communities organize Equb savings groups, manage members, track contributions and schedules, and record draws and payouts. Available features may vary by app version and location. Website demonstrations use illustrative information and do not create a real Equb or process a payment.
Before joining an Equb, review its rules, contribution amounts, schedule, payout arrangements, and any applicable charges. Website information describes the product and does not promise a particular financial result.
Eligibility and your Account
You must have the legal capacity and any permissions required to use the Service and participate in an Equb. Provide accurate registration information and keep it current. Where verification is required, provide accurate information and only documents you are authorized to use.
Keep your login details and verification codes confidential. You are responsible for activity you authorize through your Account. Contact us promptly if you suspect unauthorized access or misuse.
Equb participation and responsibilities
Organizers must clearly communicate contribution schedules, member eligibility, draw processes, and payout arrangements before members commit. Members must understand and agree to their group rules and meet the commitments they accept.
Receiving a payout does not remove your obligation to continue contributing until your agreed Equb cycle is complete. Only join a group if you can meet its commitments. Raise contribution or payout discrepancies promptly with the organizer and contact Bisrat about Service issues.
Digital records and verification features support coordination but do not guarantee another member’s conduct, timely contributions, or recovery of unpaid amounts. Website previews and demonstration draws are illustrative.
Payments and charges
Review payment details, recipient information, and disclosed fees before authorizing a transaction. Payment providers may apply their own terms, processing times, and charges. Any applicable Bisrat charges must be disclosed before you accept them. Contact us about payment errors with the relevant transaction details; do not send passwords or verification codes.
Acceptable use
Use the Service lawfully and respectfully. Do not commit fraud, impersonate others, submit false records, manipulate draws, harass users, or conduct unlawful transactions. Do not access Accounts without permission, bypass security measures, disrupt the Service, or collect other users’ personal information without authorization.
Privacy
Our Privacy Policy describes the collection, use, sharing, retention, and deletion of personal information. Review it alongside these Terms. Respect other members’ privacy and share their information only with appropriate permission or another lawful basis.
Intellectual property
Bisrat’s branding, software, website design, and content belong to Bisrat or its licensors. You may use the Service for its intended purpose under these Terms. Do not copy, sell, or distribute our software or branding without permission, except where applicable law permits it. You retain your rights in information you provide and authorize us to use it as necessary to operate the Service in accordance with our Privacy Policy.
Third-party services
The Service may link to or depend on services operated by other organizations, including app stores and payment providers. Their terms and privacy policies apply to their services. We do not control the availability or content of third-party services.
Availability and ending use
We may update or interrupt the Service for maintenance, security, or operational reasons. We may restrict or suspend access to address misuse, a breach of these Terms, or a legal requirement. Where practical and appropriate, we will explain the reason and how to contact us.
You may stop using the Service and contact us about closing your Account or deleting personal information. Ending use or closing an Account does not automatically cancel commitments to your Equb group, settle outstanding transactions, or remove records we must lawfully retain.
Disclaimers and responsibility
We aim to provide a reliable Service but cannot promise uninterrupted operation, error-free records, or other members’ performance. To the extent permitted by applicable law, the Service is provided as available without additional guarantees. Nothing in these Terms excludes rights or responsibilities that cannot lawfully be excluded.
Each party remains responsible for its own conduct under applicable law. These Terms do not guarantee a return, provide insurance for an Equb, or remove a member’s agreed contribution obligations.
Resolving concerns
Please contact us about Service disputes so we can try to resolve them. Nothing in these Terms prevents you from using a complaint process or seeking a remedy available under applicable law.
Changes to these Terms
We may update these Terms as the Service changes. We will post revised Terms here, update the date above, and provide notice of material changes where required. Review updated Terms before continuing to use the Service after they take effect.
Contact Us
For questions about these Terms or assistance with the Service, contact Bisrat Digital Technology Solution at the address above or by email.
By email: bisiratdigitaltech@gmail.com