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COMPLETE UNABRIDGED VERSION

Effective Date: October 23, 2026  • Last Updated: October 23, 2026 

Terms & Conditions of Service

Currently viewing: 1. About these Terms and who we are

TABLE OF CONTENTS

1. About these Terms and who we are

1.1  These Website Terms of Use, also called our Terms and Conditions (the “Terms”), set out the rules for accessing and using the website at https://umojacoin.com, together with all of its subdomains, pages, features, forms, tools, downloadable materials and content (together, the “Website”). They apply to every visitor, whether or not you have an account with, or use, any Umoja product. 

1.2  The Website is operated by UmojaTech Inc., a sociedad anónima incorporated in the Republic of Panama and registered with the Public Registry of Panama under Folio 155783364, with its registered office at 55th Street East, SL55 Building, 21st Floor, Office 3, Panama City, Republic of Panama (“UmojaTech”, “Umoja”, “we”, “us” or “our”). 

1.3  UmojaTech Inc. is a wholly owned subsidiary of, and operates under the oversight of, its parent company, Umoja Global Limited, a private limited company based in London, United Kingdom (“Umoja Global”). Umoja Global sets group-wide strategy, brand, risk, compliance, privacy and information-security standards. UmojaTech Inc. is the entity that runs the Website, enters into these Terms with you and is responsible to you under them. 

1.4  Unless a document expressly says otherwise, Umoja Global does not guarantee, and is not a party to, the obligations of UmojaTech Inc. under these Terms, and being part of the Umoja Group does not make one Umoja Group company responsible for the obligations of another. 

1.5  These Terms apply to the Website only. They do not govern any product or service provided by Umoja or by a partner, such as Umoja Send or Umoja Pay. Each product has its own terms and privacy notice (see Section 5). 

1.6  Please read these Terms carefully. Sections 10 (Important notices), 19 (Disclaimers), 20 (Limitation of liability), 21 (Indemnity) and 26 (Governing law and disputes) contain important information about your rights and our responsibilities. 

2. Definitions and interpretation

2.1 In these Terms, the following words have the meanings below:
TermMeaning
Applicable LawAny law, regulation, rule, code, order, sanction, guidance or requirement of any competent authority that applies to you, to us or to the Website
ContentAll text, data, graphics, images, logos, icons, audio, video, software, code, designs, layouts, documents and other material on or made available through the Website
ConsumerAn individual acting wholly or mainly for purposes outside their trade, business, craft or profession
FeedbackAny comment, idea, suggestion, testimonial, review or proposal you send us about Umoja, the Website or our products
PartnerA bank, payment institution, electronic money institution, money transmitter, mobile money operator, custodian or other regulated or third-party provider that works with the Umoja Group
ProductAny product or service offered by or through the Umoja Group, including Umoja Send, Umoja Pay and UMC Credits, whether launched or planned
SubmissionsAny information, content or material you submit, upload, send or post through the Website, including forms, live chat and emails
Umoja GroupUmoja Global Limited, UmojaTech Inc. and any entity that controls, is controlled by or is under common control with Umoja Global Limited, from time to time
Umoja MarksThe names, logos, trademarks, service marks, trade names, taglines and trade dress described in Section 13
WaitlistAny list, register or programme on the Website through which you ask to be told about, or invited to, a Product
2.2 In these Terms: headings are for convenience only and do not affect interpretation; “including” and similar words mean “including without limitation”; the singular includes the plural and the other way round; a reference to a law includes that law as amended, extended or re-enacted; a reference to “writing” or “written” includes email; and a reference to a Section is to a section of these Terms.

3. Acceptance of these Terms and changes

3.1  By accessing, browsing or using the Website, or by submitting any form on it, you confirm that you have read, understood and agree to be bound by these Terms, our Website Privacy Policy and our Website Cookie Policy, which form part of these Terms. If you do not agree, you must not use the Website. 

3.2  We may change these Terms at any time, for example to reflect changes to the Website, our Products, our business, our group structure, technology or Applicable Law. The “Last Updated” date at the top shows when they were last changed. 

3.3  Where a change is material and adverse to you, we will give at least 30 days’ notice before it takes effect, by a prominent notice on the Website and, if you are on our Waitlist, by email. We may make changes with immediate effect where they are required by Applicable Law, by a regulator or for security reasons, or where they are not adverse to you. 

3.4  Your continued use of the Website after a change takes effect means you accept the updated Terms, to the extent permitted by Applicable Law. If you do not agree to a change, you must stop using the Website. 

3.5  We keep a record of earlier versions of these Terms. You can request a copy of any earlier version by writing to legal@umojacoin.com. We recommend that you save or print a copy of these Terms for your records. 

4. Eligibility and capacity

4.1  You may browse the Website at any age, but the Website is not directed to children. To submit any information through the Website, including joining the Waitlist, using live chat or applying for early access, you must: 

  • be at least 18 years old, or the age of legal majority in your country of residence if that is higher; 
  • have full legal capacity to enter into binding agreements; 
  • not be a person with whom we are prohibited from dealing under Applicable Law, including sanctions laws (see Section 23); and 
  • not have previously been barred by us from using the Website. 

4.2  If you use the Website on behalf of a company, partnership, charity, public body or other organisation, you confirm that you are authorised to accept these Terms on its behalf, and “you” includes that organisation. 

4.3  The Website is operated from the Republic of Panama and is accessible worldwide. We do not represent that the Website, its Content or any Product is appropriate, lawful or available in any particular country. If you access the Website from outside Panama, you do so on your own initiative and are responsible for complying with local laws. 

4.4  The Website is not directed at, and nothing on it is intended for, any person in a country or territory where its publication, or the offering of any Product, would be unlawful or would require Umoja to obtain a licence or registration it does not hold. 

5. Our Products are governed by separate terms

5.1  The Website describes, promotes and explains Products, including Umoja Send and the planned Umoja Pay. Using any Product requires you to enter into a separate agreement for that Product, accept its own terms and receive its own privacy notice, which will be shown to you before you start using it. 

5.2  If there is any conflict between these Terms and the terms of a Product, the Product terms prevail in relation to that Product. These Terms prevail in relation to your use of the Website. 

5.3  The entity that provides a Product to you may be UmojaTech Inc., another Umoja Group company or a licensed Partner. The provider of each Product, and any Partner that carries out regulated activities, will be named in that Product’s terms. 

5.4  Nothing on the Website creates a customer relationship, account or contract for any Product, and nothing on the Website obliges you to use, or us to provide, any Product. 

6. Access to the Website

6.1  We grant you a limited, personal, revocable, non-exclusive, non-transferable and non-sublicensable right to access and use the Website for your own lawful, non-commercial purposes, in line with these Terms. 

6.2  We aim to keep the Website available at all times, but access is provided on an “as available” basis. We do not guarantee that the Website, or any Content, will always be available, uninterrupted, timely, secure or free from errors. 

6.3  We may, at any time and without notice or liability, suspend, withdraw, discontinue, restrict or change all or any part of the Website, including for scheduled or emergency maintenance, upgrades, security incidents, legal or regulatory reasons, or business reasons. We will try to give reasonable notice of planned downtime where practicable. 

6.4  We may restrict access to the Website, or to specific Content or features, from particular countries, IP addresses, networks, devices or anonymising services (such as VPNs or proxies), for legal, regulatory, security or fraud-prevention reasons. 

6.5  You are responsible for making all arrangements necessary for you to access the Website, including your devices, software, browser and internet connection, and for any data or connection charges your provider applies. The Website is designed for current versions of major web browsers; some features may not work on older or unsupported software. 

6.6  You are also responsible for making sure that anyone who accesses the Website through your internet connection or device is aware of these Terms and complies with them. 

7. Secure areas and log-in details

7.1  Some parts of the Website, now or in the future, may require you to sign in, verify your email address or use a one-time link or code (for example a Waitlist dashboard, a help-centre ticket or an early-access portal). 

7.2  If you are given or choose a password, code, link or other security credential, you must keep it confidential, must not share it with anyone and must tell us immediately at support@umojacoin.com if you suspect that anyone else knows it or has used it. 

7.3  We may disable any credential at any time if we reasonably believe that you have breached these Terms or that the credential has been compromised. 

7.4  Umoja will never ask you to tell us your password, PIN or one-time code by email, phone, SMS, social media or live chat. 

8. Acceptable use

8.1  You may use the Website only for lawful purposes and only to find out about Umoja and our Products, join the Waitlist, contact us, get support, read our policies and use any features we deliberately make available to you. You must use the Website honestly, in good faith and with respect for others. 

Security and integrity 

8.2  You must not: 

  • gain, or attempt to gain, unauthorised access to the Website, the servers or infrastructure on which it is hosted, or any computer, database, network or system connected to it, including systems of Umoja Global Limited, any other Umoja Group company or any Partner; 
  • introduce, transmit or store any virus, trojan, worm, logic bomb, ransomware, spyware, keylogger or other material that is malicious or technologically harmful; 
  • attack the Website through a denial-of-service, distributed denial-of-service or similar attack, or otherwise overload, flood, spam, crash or impair the Website or its infrastructure; 
  • probe, scan, test or exploit any vulnerability of the Website, or breach, bypass or interfere with any authentication, encryption, rate-limiting, bot-protection, access-control or other security measure, except under the responsible disclosure rules in Section 17; or 
  • interfere with, intercept or monitor any communication, data or traffic that is not intended for you. 
Automated access and data use 

8.3  You must not: 

  • use any robot, spider, crawler, scraper, headless browser, script or other automated means to access, copy, index, extract, harvest or monitor the Website or its Content, except for general-purpose search engines that comply with our robots.txt file and do not impair the Website; 
  • reproduce, mirror, frame or cache the Website or any substantial part of it; 
  • use the Website or its Content to compile, build or enrich any database, directory, dataset or product that competes with, or substitutes for, the Website or any Product; or 
  • use the Website or its Content to train, fine-tune, test, benchmark or evaluate any artificial intelligence or machine-learning model or system, without our prior written permission. 
Fraud, deception and impersonation 

8.4  You must not: 

  • impersonate UmojaTech Inc., Umoja Global Limited, any Umoja Group company, any of our directors, officers, employees or agents, any Partner or any other person, or falsely state or imply any affiliation, endorsement or partnership with us; 
  • create, register, operate or promote any website, domain name, app, social media account, messaging group, email address, telephone number, advertisement or other channel that uses the Umoja Marks, or anything confusingly similar, or otherwise imitates the Website or Umoja, in order to mislead anyone; 
  • use the Website for phishing, social engineering, advance-fee fraud, investment fraud, romance fraud, identity theft or any other scam or deceptive practice; 
  • submit any false, inaccurate, misleading, stolen or fictitious information, including another person’s name, email address, telephone number or identity documents; or 
  • create multiple sign-ups, use disposable or automatically generated email addresses, or use any other means to manipulate Waitlist positions, referral counts, rankings, promotions or statistics. 
Financial crime 

8.5  You must not use, or attempt to use, the Website in connection with money laundering, terrorist financing, proliferation financing, bribery, corruption, tax evasion, fraud, sanctions evasion, unlicensed money transmission, human trafficking, the sale of illegal goods or services, or any other financial crime, or to help or encourage anyone else to do so. 

Content and conduct 

8.6  You must not submit, upload, post or transmit any Submission that: 

  • is unlawful, defamatory, libellous, threatening, abusive, harassing, hateful, discriminatory, obscene, pornographic or sexually explicit; 
  • exploits, endangers or sexualises children in any way; 
  • promotes violence, terrorism, extremism, self-harm or illegal activity; 
  • infringes any intellectual property right, privacy right, publicity right, confidentiality obligation or other right of any person; 
  • contains another person’s personal data without their authority or a lawful basis; 
  • contains unsolicited or unauthorised advertising, promotional material, chain letters, pyramid schemes or any other form of spam; or 
  • contains passwords, PINs, full card numbers, bank log-in details, one-time codes, identity documents or other sensitive information that we have not asked for. 

8.7  You must not harass, threaten, intimidate, abuse or discriminate against our staff, contractors, Partners or other visitors, including through live chat, email or social media. We may end a conversation and restrict your access if you do. 

General 

8.8  You must not use the Website in breach of these Terms or any Applicable Law, remove, obscure or alter any copyright, trademark or other proprietary notice, or attempt to do, or help or encourage anyone else to do, anything prohibited by this Section 8. 

8.9  We may monitor use of the Website for security, fraud-prevention and compliance purposes, as described in our Website Privacy Policy. We may investigate any suspected breach of this Section 8 and take any action described in Section 22, including reporting the matter to law-enforcement agencies, regulators, financial intelligence units, Partners or affected persons, and disclosing your identity and information to them where Applicable Law allows or requires. 

9. Financial crime, sanctions and compliance

9.1  The Umoja Group is committed to preventing financial crime. We operate controls designed to detect and prevent fraud, money laundering, terrorist financing, sanctions breaches, bribery and corruption, in line with Applicable Law and the standards set by Umoja Global Limited. 

9.2  Although identity checks for Products take place under each Product’s own terms, we may use information collected through the Website (such as IP address, device data, email address and the content of Submissions) to screen for fraud, sanctions and financial-crime risk, including against sanctions and politically exposed persons lists. 

9.3  We may refuse, restrict or remove any sign-up, Submission or access to the Website, and may refuse any request, where we reasonably suspect fraud, financial crime or a sanctions concern, or where Applicable Law requires. We may not be able to tell you why, where Applicable Law prohibits us from doing so. 

9.4  You agree to cooperate with any reasonable request for information we make in connection with these checks. 

10. Important notices about information on the Website

10.1  General information only. Content on the Website is provided for general information. It does not take into account your objectives, financial situation, needs or circumstances, and it is not financial, investment, legal, tax, accounting or other professional advice. You should obtain independent professional advice before making any decision based on it. 

10.2  No offer or solicitation. Nothing on the Website is an offer, invitation, solicitation, inducement or recommendation to buy, sell, hold or subscribe for any Product, security, investment, digital asset or other financial instrument, or to enter into any transaction, in any country. Nothing on the Website is an offer of shares, securities or other interests in UmojaTech Inc., Umoja Global Limited or any other Umoja Group company. Any fundraising will be carried out only through formal documents and processes that comply with Applicable Law. 

10.3  Not a bank. Neither UmojaTech Inc. nor Umoja Global Limited is a bank or credit institution, and neither accepts deposits. Products are not bank accounts or deposits and, unless a Product’s terms expressly say otherwise, are not protected by any deposit-guarantee, deposit-insurance, investor-compensation or similar scheme in any country. 

10.4  Regulated activities and licensed Partners. Where a Product involves a regulated activity, such as accepting, holding, transmitting, converting, exchanging or paying out money, issuing electronic money or providing payment services, that activity is carried out by, or in partnership with, Partners that hold the necessary licences, authorisations or registrations in the countries concerned. Each Product’s terms name the Partner, its regulator and its licence or registration, and explain how customer funds are held and protected. As the Umoja Group obtains its own licences or registrations, we will publish details on the Website. 

10.5  No regulatory endorsement. References on the Website to “regulated financial partners” or similar phrases refer to Partners described in Section 10.4. Their involvement, and any licence or registration held by any person, does not mean that any regulator, government or public authority has approved, endorsed or guaranteed Umoja, the Website, any Product or any statement on the Website. 

10.6  Product availability and launches. The Website describes Products that may be live, in pilot, in testing or in development. Statements such as “coming soon”, “launching”, “planned” or similar, and any statements about launch dates, features, supported countries, currencies, corridors, payout methods, limits or timelines, reflect our current intentions only. They may change, be delayed, be limited or not happen at all, for commercial, technical, operational, legal or regulatory reasons, including the need for licences and Partner approvals. Products may not be available in every country, to every person or for every type of transaction, and are subject to eligibility, identity verification, sanctions screening, fraud checks and limits. 

10.7  Fees, exchange rates, speed and coverage. Statements on the Website about fees (for example “only 1% fees”), exchange rates, savings compared with other providers, delivery speed (for example “fast” or “instant”), the number of countries or territories (for example “190+ countries”), or payout methods (for example bank accounts, mobile money or cash pickup) are general, illustrative statements. They may not apply to every transfer, corridor, currency, amount, payment method, payout method, customer or time, and they may change without notice. The fees, exchange rate, any third-party charges, the total cost and the amount the recipient will receive are shown to you before you confirm any transaction in a Product, and that disclosure, together with the Product terms, is what you should rely on. Banks, card issuers, mobile money operators, cash-pickup agents and other third parties may charge their own fees or apply their own limits, which we do not control. 

10.8  Delivery times. Any delivery time shown on the Website is an estimate. Actual delivery times depend on the countries, currencies, Partners and payout methods involved, on compliance and fraud checks, on public holidays, cut-off times and system availability, and on the accuracy of the details you provide. 

10.9  UMC Credits and digital value. Umoja is not a cryptocurrency exchange, broker or investment platform. UMC Credits are described on the Website as prepaid digital credits for use within Umoja Products, not as a currency, security, investment, deposit or tradeable digital asset. The legal nature of UMC Credits, and any rights, limits, fees, expiry rules and redemption rights that apply to them, are governed solely by the relevant Product terms and Applicable Law. UMC Credits carry no promise of any return, interest, profit or increase in value, and should not be acquired for speculative or investment purposes. 

10.10  Statistics, market data and comparisons. Statistics and figures on the Website, such as remittance volumes, average costs of sending money, fees lost by senders, market sizes or the number of people on our Waitlist (for example “2,500+ people”), come from the third-party sources stated, from publicly available data or from our own records at the time of publication. They may not be current, complete or independently verified, and are included for context only. Comparisons with other providers are based on the information stated at the time and may not reflect current prices or every scenario. 

10.11  Awards and recognition. Awards, rankings and recognition mentioned on the Website, including those from BFSI Insider and Wealth & Finance International, were granted by the third parties concerned under their own criteria and processes. They are not regulatory approvals, endorsements or guarantees, and they do not mean that any Product is suitable for you. 

10.12  Examples, illustrations and testimonials. Examples of how people might use a Product (for example to support family, pay school fees or medical bills, or fund community projects), and any testimonials or case studies, are illustrations only. They do not guarantee that you will achieve the same result, receive the same amount or experience the same speed or cost. 

10.13  Forward-looking statements. Statements on the Website about our plans, strategy, goals, expansion, partnerships, Products and expectations are forward-looking. They involve risks and uncertainties, and actual results may differ materially. We do not undertake to update them, and you should not place undue reliance on them. 

10.14  Tax. You are responsible for any taxes, duties or reporting obligations that apply to you in connection with any Product. We do not provide tax advice. 

10.15  Translations. We may provide the Website or parts of it in languages other than English for convenience. If there is any inconsistency, the English version prevails, unless Applicable Law requires otherwise. 

11. Waitlist, early access, referrals and promotions

The Waitlist 

11.1  Joining the Waitlist is free. It allows you to receive information about Products and, at our discretion, invitations to early access. We will never ask you to pay a fee, buy UMC Credits, send money or provide payment details to join, keep or improve your place on the Waitlist. Anyone who asks you to do so is not acting for Umoja. 

11.2  Joining the Waitlist does not open an account, create a customer relationship, reserve any funds, Product, price, fee, exchange rate, allocation or benefit, or oblige either of us to enter into any further agreement. 

11.3  You may join the Waitlist only once, only for yourself and only using an email address that belongs to you. We may ask you to confirm your email address before we treat your sign-up as complete, and may remove sign-ups that are not confirmed within 30 days. 

11.4  If we display Waitlist positions or invite people in stages, we decide the order, timing and criteria at our discretion. We may take into account sign-up date, country of residence, Product readiness, regulatory requirements, Partner capacity and fraud-prevention checks. Positions and invitations are personal to you and cannot be sold, transferred, traded or assigned. 

11.5  Early-access invitations may be subject to separate pilot or beta terms, may be limited in time or number and may expire if not used within the period stated in the invitation. Products offered in early access may have reduced features or limits and may change significantly before general release. 

11.6  We may change, pause, split by Product or country, close or end the Waitlist at any time, and may remove anyone from it who breaches these Terms or where Applicable Law requires. 

Referrals, competitions and promotions 

11.7  If we run any referral programme, competition, prize draw, giveaway or other promotion (a “Promotion”), it will be governed by its own rules, published before it starts. Those rules prevail over these Terms for that Promotion. 

11.8  Unless a Promotion’s rules say otherwise, each Promotion is open only to eligible individuals aged 18 or over in the countries named, is void where prohibited or restricted by Applicable Law, has no cash alternative and is limited to one entry or reward per person. We may verify eligibility, withhold or reclaim rewards obtained through fraud, abuse or breach of the rules, and change, suspend or cancel a Promotion where required by Applicable Law or where we reasonably suspect fraud or abuse. 

11.9  You may only refer people you know personally and who would reasonably welcome the referral. You must not post referral links in a way that amounts to spam, misrepresents Umoja or any Product, or breaches the rules of any platform. 

12. Communications and electronic notices

12.1  You agree that we may communicate with you electronically, including by email, through the Website or through notices posted on the Website, and that all agreements, notices, disclosures and other communications we provide electronically satisfy any legal requirement that they be in writing. 

12.2  If you join the Waitlist, we will send you emails about launches, availability in your country, early-access invitations, important changes to the Waitlist or these Terms and, where you consent or where Applicable Law otherwise allows, news, offers, events, research invitations and surveys from the Umoja Group. We comply with applicable electronic marketing laws, including, where relevant, consent and opt-out requirements under the UK Privacy and Electronic Communications Regulations, the EU ePrivacy rules, the US CAN-SPAM Act and Canada’s Anti-Spam Legislation. 

12.3  You can unsubscribe from marketing emails at any time by using the unsubscribe link in any email or by writing to support@umojacoin.com. We will act on your request within 10 business days, and usually much sooner. Unsubscribing from marketing does not stop service, security or legal messages that we are required or entitled to send. 

12.4  We will only contact you through our official channels, listed in Section 17.6. Messages that claim to be from Umoja but come from any other channel should be treated as suspicious. 

12.5  You must keep the contact details you give us up to date. We are not responsible if you do not receive a communication because the details you gave us are incorrect or out of date, or because of your email provider’s filtering. 

13. Intellectual property

13.1  The Website and all Content, including its design, look and feel, text, graphics, illustrations, photographs, icons, videos, software, source and object code, data, databases and the selection, arrangement and compilation of Content, are owned by or licensed to UmojaTech Inc., Umoja Global Limited or another Umoja Group company, and are protected by copyright, database rights, trademark, design, trade secret and other intellectual property laws worldwide. All rights not expressly granted in these Terms are reserved. 

13.2  Within the Umoja Group, the Umoja brand and core intellectual property may be held by Umoja Global Limited and licensed to UmojaTech Inc. Either company may enforce the rights described in this Section 13. 

13.3  Umoja Marks. Umoja, Umoja Coin, UmojaCoin, Umoja Send, Umoja Pay, UMC Credits, the Umoja logo and logomark, our taglines and our distinctive colours, design elements and trade dress are trademarks, service marks or trade names of the Umoja Group, whether registered or unregistered, in the countries where they are used. The absence of a ® or ™ symbol, or of a name from this list, does not mean that we do not claim rights in it. 

13.4  Third-party marks. Names, logos and marks of Partners, award bodies, media outlets and other third parties shown on the Website belong to their respective owners and are used with permission or as permitted by law. Their display does not imply any endorsement by or of those third parties. 

13.5  What you may do. Subject to these Terms, you may view the Website, print or download a reasonable number of extracts of Content for your personal, non-commercial reference, and share links to public pages using the sharing tools we provide, provided that you do not modify the Content and you keep all copyright, trademark and other notices intact. You may refer to Umoja and our Products by name in plain text, accurately and fairly, for example in news reporting, reviews, commentary or comparisons. 

13.6  What you must not do. You must not, without our prior written permission: 

  • copy, reproduce, republish, distribute, transmit, display, sell, license, rent, modify, translate, adapt or create derivative works from any Content, other than as allowed by Section 13.5; 
  • decompile, disassemble, reverse-engineer or attempt to derive the source code of any software forming part of the Website, except to the extent that Applicable Law expressly allows despite this restriction; 
  • use the Umoja logo, logomark or any stylised Umoja Mark; 
  • use any Umoja Mark, or anything confusingly similar (including misspellings and look-alike characters), as or in any company name, trading name, product or app name, domain name, social media handle, username, hashtag campaign, advertising keyword or metadata; 
  • alter, distort, animate, recolour or combine any Umoja Mark with any other mark, or use it in a way that suggests sponsorship, partnership or endorsement by Umoja; 
  • produce, sell or distribute merchandise bearing any Umoja Mark; or 
  • use any Content or Umoja Mark in connection with anything unlawful, misleading, offensive or harmful to our reputation, or that could suggest a financial offer from Umoja. 

13.7  Media and partners. Journalists, event organisers and business partners who wish to use our logo, screenshots or other brand assets may request a media kit by writing to support@umojacoin.com with the subject “Media kit”. Use of any brand assets is limited to the approved purpose and any brand guidelines we supply, and we may withdraw permission at any time. 

13.8  If you print, copy or download any part of the Website in breach of these Terms, your right to use the Website ends immediately and you must, at our option, return or destroy any copies you have made. 

14. Copyright and trademark complaints

14.1  We respect the intellectual property rights of others. If you believe that any Content on the Website infringes your copyright, trademark or other intellectual property right, please send a written notice to legal@umojacoin.com with the subject “IP notice”, or by post to the address in Section 28. For notices under the United States Digital Millennium Copyright Act, this address is our designated contact. 

14.2  Your notice must include: 

  1. your full name, postal address, telephone number and email address; 
  1. identification of the copyrighted work, trademark or other right you claim has been infringed; 
  1. identification of the material you claim is infringing, with enough detail (including the exact URL) for us to locate it; 
  1. a statement that you have a good-faith belief that the use of the material is not authorised by the rights owner, its agent or the law; 
  1. a statement that the information in your notice is accurate and, under penalty of perjury where applicable, that you are the rights owner or are authorised to act on the owner’s behalf; and 
  1. your physical or electronic signature. 

14.3  We will acknowledge a complete notice within 5 business days, review it and, where appropriate, remove or disable access to the material. We may share a copy of your notice, including your contact details, with the person who provided the material. 

14.4  Counter-notice. If material you provided has been removed and you believe it was removed by mistake or misidentification, you may send a counter-notice to legal@umojacoin.com including: your full name, address, telephone number and email address; identification of the material and the location where it appeared; a statement, under penalty of perjury where applicable, that you have a good-faith belief that it was removed by mistake or misidentification; your consent to the jurisdiction of the courts of the Republic of Panama (or, for DMCA purposes, the federal district court for your address, or any judicial district in which we may be found if you are outside the United States) and that you will accept service of process from the person who sent the original notice; and your physical or electronic signature. 

14.5  Where Applicable Law allows, we may restore the material between 10 and 14 business days after receiving a valid counter-notice, unless the original complainant tells us that it has started legal proceedings. 

14.6  Knowingly making a false or misleading notice or counter-notice may expose you to liability for damages, including costs and legal fees. We may restrict access to the Website for anyone who repeatedly infringes the rights of others. 

15. Your Submissions and Feedback

15.1  You are solely responsible for your Submissions. You confirm that each Submission is accurate, lawful and your own, that you have all rights and permissions needed to provide it, and that it complies with these Terms. 

15.2  Except for personal data, which we handle in line with our Website Privacy Policy, you grant UmojaTech Inc. and the Umoja Group a worldwide, non-exclusive, royalty-free, perpetual, irrevocable, transferable and sublicensable licence to use, reproduce, store, adapt, translate, publish and otherwise exploit your Submissions for the purposes of operating, improving and promoting the Website and our Products, and complying with Applicable Law. 

15.3  If you send us Feedback, you agree that we may use it freely, for any purpose and without any obligation to credit, pay or keep confidential, unless we have agreed otherwise in writing. You waive any moral rights in Feedback to the extent permitted by Applicable Law. 

15.4  We will only publish your name, image or testimonial with your consent. You can withdraw consent to future publication at any time by writing to support@umojacoin.com, but we are not obliged to remove copies already distributed. 

15.5  We do not have to monitor, review or keep Submissions, but we may refuse, edit, remove or report any Submission at our discretion, including where we believe it breaches these Terms or Applicable Law. 

16. Third-party websites, services and content

16.1  The Website may contain links to, or embedded content from, websites, apps, services and content operated by third parties, including social media platforms, video platforms, app stores, Partners, award bodies and news outlets. These links and embeds are provided for convenience and information only. 

16.2  We do not control and are not responsible for the content, availability, accuracy, security, privacy practices or terms of any third-party website, service or content. A link or embed is not an endorsement, and mentioning a third party does not mean it endorses us. 

16.3  Your use of any third-party website or service is at your own risk and is governed by that third party’s own terms and policies. Please read them before using it or providing any information to it. 

16.4  Linking to the Website. You may link to the Website’s home page or to any public page, provided that you do so in a way that is fair, legal and accurate and does not damage our reputation or take advantage of it. You must not establish a link in a way that suggests any form of association, approval or endorsement on our part where none exists, frame the Website on any other site, or link from any website that is not owned by you or that contains content that breaches Section 8. We may withdraw linking permission at any time. 

17. Security, responsible disclosure and fraud

17.1  We use technical and organisational measures designed to protect the Website and the information it collects, in line with the information-security standards set by Umoja Global Limited. However, no system is completely secure, and we do not guarantee that the Website or any file or material downloaded from it will be free from viruses, malware or other harmful components. You should use up-to-date security software. 

17.2  Reporting vulnerabilities. If you believe you have found a security vulnerability in the Website, please report it privately to legal@umojacoin.com with the subject “Security report”, including a description of the issue, the affected URL or component and step-by-step instructions to reproduce it. We will acknowledge your report within 3 business days and keep you informed of our progress. 

17.3  When researching, you must: only test against your own data or test accounts; not access, change, copy or delete anyone else’s data; stop and tell us immediately if you encounter personal data, credentials or financial information; not carry out denial-of-service, load testing, social engineering, phishing or physical attacks; not test systems of third parties or Partners; not use any vulnerability for any gain; and keep the details confidential until we have fixed the issue and agreed to disclosure, normally no longer than 90 days. 

17.4  Safe harbour. If you make a good-faith effort to comply with Section 17.3, we will treat your research as authorised, will not take legal action against you or ask law enforcement to investigate you for it and, if a third party takes action against you, will make known that your research was authorised by us. This safe harbour does not cover conduct that breaches Section 17.3 or that we cannot lawfully authorise. We do not currently run a paid bug-bounty programme, but may recognise significant reports at our discretion. 

17.5  Fraud warning. Umoja will never: ask for your password, PIN, card number, bank log-in or one-time code; ask you to pay a fee, buy UMC Credits or send money to join or move up the Waitlist, or to “unlock” a transfer, refund or prize; ask you to send money to a personal bank account, mobile money number or cryptocurrency wallet; promise guaranteed returns, interest or price increases; sell “Umoja coins”, tokens or credits through social media, private messages or third-party exchanges; ask you to install remote-access or screen-sharing software; or pressure you to act immediately or keep a conversation secret. 

17.6  Official channels. Our only official website is https://umojacoin.com and its subdomains. Our only official email addresses end exactly in @umojacoin.com. Our official social media accounts are only those linked from the footer of the Website, and our official apps are only those published by an Umoja Group company in the Apple App Store and Google Play and linked from the Website. 

17.7  If you are targeted. If you receive a suspicious message, call or advertise claiming to be from Umoja, do not respond, click links or send money. Forward it to support@umojacoin.com, and report fake websites, apps or accounts to legal@umojacoin.com with screenshots and links. If you have shared details or lost money, contact your bank, card issuer or mobile money provider immediately, change your passwords and report the matter to your local police or national cybercrime authority. We cooperate with banks, Partners, platforms and law enforcement to take down impersonation, but we cannot recover money sent to third parties who are not part of Umoja. 

18. Privacy and cookies

18.1  Our Website Privacy Policy explains how UmojaTech Inc., as controller, collects and uses personal data through the Website, including how we share it with Umoja Global Limited and our service providers, and your rights. Our Website Cookie Policy explains how we use cookies and similar technologies and how you can control them. Both policies form part of these Terms. By using the Website, you acknowledge that we will process your personal data as described in them. 

19. Disclaimers

19.1  To the fullest extent permitted by Applicable Law, the Website and all Content are provided on an “as is” and “as available” basis, without any representation, warranty, condition or guarantee of any kind, whether express, implied or statutory. 

19.2  Without limiting Section 19.1, and to the fullest extent permitted by Applicable Law, we disclaim all implied warranties, conditions and terms of satisfactory quality, merchantability, fitness for a particular purpose, title, non-infringement, accuracy, completeness, timeliness, availability and freedom from viruses or errors, and any warranty arising from course of dealing or usage of trade. 

19.3  We do not warrant that the Website will meet your requirements, that defects will be corrected, or that the Website or the servers that make it available are free from harmful components. 

19.4  Nothing in these Terms excludes, restricts or modifies any right or remedy, or any guarantee, warranty or term implied or imposed by Applicable Law, that cannot lawfully be excluded, restricted or modified, including statutory rights you have as a Consumer. 

20. Limitation of liability

20.1  Liability we do not limit. Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot be excluded or limited under Applicable Law. 

20.2  Consumers in the UK, EEA and similar jurisdictions. If you are a Consumer resident in the United Kingdom, the European Economic Area or another country whose mandatory consumer law gives you equivalent protection, we are responsible for loss or damage you suffer that is a foreseeable result of our breach of these Terms or our failure to use reasonable care and skill, but we are not responsible for loss or damage that is not foreseeable. We provide the Website for domestic and private use only, and we have no liability to you for any loss of profit, loss of business, business interruption or loss of business opportunity. 

20.3  Exclusion of certain losses. Subject to Sections 20.1 and 20.2, and to the fullest extent permitted by Applicable Law, UmojaTech Inc., Umoja Global Limited and every other Umoja Group company, and our and their directors, officers, employees, agents, contractors and licensors, will not be liable to you, whether in contract, tort (including negligence), breach of statutory duty, misrepresentation, restitution or otherwise, for: 

  • any indirect, incidental, special, consequential, exemplary or punitive loss or damage; 
  • any loss of profit, revenue, income, business, contracts, anticipated savings, goodwill or reputation; 
  • any loss or corruption of data or software; 
  • any loss arising from your reliance on any Content, including statements about fees, exchange rates, delivery times, Product availability or launch dates; 
  • any loss caused by a virus, denial-of-service attack or other technologically harmful material that infects your device, software or data due to your use of the Website; 
  • any loss caused by third parties who impersonate Umoja, or by any third-party website, service or content; or 
  • any loss caused by an event outside our reasonable control (see Section 24), 

in each case arising out of or in connection with these Terms, the Website or any Content, even if we were advised of the possibility of such loss. 

20.4  Overall cap. Subject to Sections 20.1 and 20.2, and to the fullest extent permitted by Applicable Law, our total aggregate liability to you for all claims arising out of or in connection with these Terms, the Website and any Content will not exceed USD 100 (one hundred United States dollars). The Website is provided free of charge, and this cap reflects that. 

20.5  Products. This Section 20 applies to the Website only. Liability in connection with any Product is governed exclusively by that Product’s terms. 

20.6  Time limit. To the extent permitted by Applicable Law, any claim against us arising out of or in connection with the Website must be brought within one year after the cause of action arises, failing which it is permanently barred. 

20.7  Each of the limitations and exclusions in this Section 20 is separate and severable, and applies even if any other limitation or exclusion is found to be unenforceable. 

21. Indemnity

21.1  To the extent permitted by Applicable Law, you agree to indemnify, defend and hold harmless UmojaTech Inc., Umoja Global Limited, every other Umoja Group company and our and their directors, officers, employees, agents and contractors from and against all claims, demands, actions, proceedings, losses, damages, liabilities, fines, penalties, costs and expenses (including reasonable legal fees) arising out of or in connection with: your breach of these Terms; your breach of Applicable Law; your Submissions; or your infringement of any right of any third party. 

21.2  We will notify you of any claim to which this indemnity applies, and may assume the exclusive defence and control of it, in which case you agree to cooperate with us. This Section 21 does not apply to Consumers where mandatory Applicable Law does not permit it. 

22. Suspension, restriction and termination

22.1  We may, at any time and without notice or liability, take any action we consider reasonably appropriate if we believe that you have breached or may breach these Terms, that your use of the Website poses a security, fraud, financial-crime, legal or reputational risk, or that Applicable Law or a competent authority requires it. Such action may include: 

  • issuing a warning; 
  • removing or disabling any Submission; 
  • suspending or terminating your access to the Website or any part of it, including any credential; 
  • blocking your IP address, device, network or email domain; 
  • removing you from the Waitlist or any Promotion and cancelling any related invitation, position or reward; 
  • disclosing information to law-enforcement agencies, regulators, financial intelligence units, Partners or affected persons; and 
  • taking legal action against you, including to recover our costs. 

22.2  You may stop using the Website at any time. You may leave the Waitlist at any time by writing to support@umojacoin.com or by using the link in any Waitlist email. 

22.3  Any provision of these Terms that by its nature should survive the end of your use of the Website will survive, including Sections 10, 13, 14, 15, 19, 20, 21, 26 and 27. 

 

23.1  You represent and warrant that you are not: (a) a person or entity named on, or owned or controlled by, or acting on behalf of, a person or entity named on, any sanctions list maintained by the United Nations Security Council, the United States (including the Office of Foreign Assets Control), the United Kingdom (including HM Treasury’s Office of Financial Sanctions Implementation), the European Union, the Republic of Panama or any other competent authority; or (b) located, organised or ordinarily resident in a country or territory that is the subject of comprehensive sanctions or an embargo. 

23.2  You must not access or use the Website, or export, re-export or transfer any Content or software from it, in breach of any applicable sanctions, export-control or trade laws, or for the benefit of any person or destination described in Section 23.1. 

23.3  We may block access to the Website from any sanctioned country or territory, and may take any action under Section 22 if we reasonably suspect a breach of this Section 23. 

24. Events outside our control

24.1  We will not be in breach of these Terms, or liable for any delay or failure in providing the Website, if the delay or failure is caused by an event outside our reasonable control. Such events include natural disasters, epidemics, fire, flood, war, terrorism, civil unrest, strikes, failures of public or private telecommunications networks or the internet, power failures, cyber-attacks, failures of hosting, cloud or security providers or Partners, acts or orders of any government or regulator and changes in Applicable Law. 

24.2  If such an event occurs, we will take reasonable steps to minimise its effect and to restore the Website as soon as reasonably practicable. 

25. Complaints

25.1  We want to hear from you if something has gone wrong. To make a complaint about the Website, write to support@umojacoin.com with the subject “Complaint”, describing the problem, when it happened and what you would like us to do. 

25.2  We will acknowledge your complaint within 5 business days and aim to give you a full response within 15 business days. If we need longer, we will tell you why and when you can expect a response, and in any case we will respond within 30 days. 

25.3  If you are not satisfied with our response, you can ask for your complaint to be escalated by writing to legal@umojacoin.com. A senior member of our legal team who was not involved in the original response will review it and send you our final response. 

25.4  If you remain dissatisfied, you may contact the consumer protection authority in your country, including, in Panama, the Autoridad de Protección al Consumidor y Defensa de la Competencia (ACODECO), or, for privacy matters, the data protection authority listed in our Website Privacy Policy. 

25.5  Complaints about a Product or a transaction are handled under that Product’s complaints procedure, which may include a Partner’s procedure and access to a financial ombudsman or regulator. 

26. Governing law and disputes

26.1  These Terms, and any dispute or claim (including any non-contractual dispute or claim) arising out of or in connection with them, their subject matter or formation, or the Website, are governed by the laws of the Republic of Panama. 

26.2  If you are a Consumer, this choice of law does not deprive you of the protection of any mandatory provision of the law of the country where you habitually reside, including mandatory consumer-protection and data-protection laws. 

26.3  Before starting any formal proceedings, you and we agree to try in good faith to resolve any dispute informally, starting with the complaints process in Section 25. Either of us may propose mediation by an independent mediator, but neither of us is obliged to agree. 

26.4  Subject to Section 26.5, the courts of the Republic of Panama have non-exclusive jurisdiction to settle any dispute or claim arising out of or in connection with these Terms or the Website. 

26.5  If you are a Consumer, you may bring proceedings in the courts of the country where you habitually reside where mandatory Applicable Law gives you that right, and we may only bring proceedings against you in those courts. 

26.6  Nothing in this Section 26 prevents us from seeking urgent injunctive or other equitable relief in any court of competent jurisdiction to protect our intellectual property, the security of the Website or our confidential information. 

26.7  Disputes about any Product are governed by the dispute-resolution provisions of that Product’s terms. 

27. General

27.1  Entire agreement. These Terms, together with our Website Privacy Policy, our Website Cookie Policy and any rules for a Promotion, are the entire agreement between you and UmojaTech Inc. in relation to the Website, and supersede any earlier agreement, understanding or representation about it. You confirm that you have not relied on any statement not set out in them. 

27.2  Severability. If any provision of these Terms is found by a court or authority to be invalid, unlawful or unenforceable, it will be modified to the minimum extent necessary to make it enforceable, and the remaining provisions will continue in full force and effect. 

27.3  No waiver. If we do not insist on strict performance of any of your obligations, or delay in enforcing any right, that does not mean we have waived it and does not prevent us from enforcing it later. 

27.4  Assignment. We may assign, transfer, novate or subcontract any of our rights and obligations under these Terms to Umoja Global Limited, any other Umoja Group company or any successor to all or part of our business, and will tell you if this affects your rights. You may not assign or transfer any of your rights or obligations without our prior written consent. 

27.5  Third-party rights. Umoja Global Limited and each other Umoja Group company may rely on and enforce Sections 8, 13, 19, 20, 21 and 23. Subject to that, no person other than you and UmojaTech Inc. has any right to enforce these Terms. 

27.6  No partnership or agency. Nothing in these Terms creates any partnership, joint venture, agency, fiduciary or employment relationship between you and any Umoja Group company. 

27.7  Electronic records. You agree that electronic records of your acceptance of these Terms, your Submissions and our communications are admissible as evidence and are of the same effect as written, signed documents, to the extent permitted by Applicable Law, including Panama’s Law 51 of 2008 on electronic documents and signatures. 

27.8  Language. These Terms are drafted in English. Any translation is for convenience only, and the English version prevails in case of inconsistency, unless Applicable Law requires otherwise. 

27.9  Notices to you. We may give you notice by posting it on the Website, by email to the most recent address you have given us or through any other channel described in Section 12. Notices sent by email are treated as received on the business day after sending, unless we receive a delivery-failure notification. 

27.10  Notices to us. Formal legal notices to UmojaTech Inc. or Umoja Global Limited must be sent by email to legal@umojacoin.com and, where any agreement requires it, also by post to the address in Section 28. 

28. Contact us

TopicContact
Legal notices, complaints escalation, security reports, IP and impersonation noticeslegal@umojacoin.com
Customer support, Waitlist, complaints, media kit and general helpsupport@umojacoin.com
PostUmojaTech Inc., 55th Street East, SL55 Building, 21st Floor, Office 3, Panama City, Republic of Panama
Parent companyUmoja Global Limited, London, United Kingdom (contact through legal@umojacoin.com)