Terms of Service

Ubepari PC Co LTD ("Ubepari", "we", "us", "our") is a private limited company incorporated in the United Republic of Tanzania. Our head office is at Magomeni Usalama, Dar es Salaam; our showroom is at Magomeni Mapipa, Dar es Salaam.

Ubepari Wallet is the online platform through which Ubepari sells personal computers and finances their purchase on installment plans. The Wallet is operated by Ubepari directly; payment processing is handled by a licensed payment aggregator on our behalf (see section 8).

To create an account and buy from Ubepari Wallet you must:

• be at least 18 years old; • hold a valid Tanzanian National Identification Number (NIDA) or a valid passport recognised in Tanzania; • be resident in Tanzania and provide a Tanzanian mobile number (255XXXXXXXXX); • have the legal capacity to enter into a binding contract.

We may refuse to create an account, or close an existing one, where we reasonably believe these requirements are not met or where we are required to do so by law.

Your account is tied to your phone number. We verify it by sending a one-time password (OTP) over SMS. You are responsible for keeping your phone and SIM card secure. Anyone with access to the OTP sent to your phone can sign in to your account — if you lose your phone, contact us immediately.

The information you give us at sign-up and during KYC (name, date of birth, NIDA, address, ID document) must be accurate and current. If your details change, you must update them. We rely on this information to operate the service and to meet our obligations under Tanzanian law.

One person, one account. Do not share, sell, or transfer your account. Using a false identity or someone else's identity is a criminal offence under the Electronic Transactions Act 2015.

Before you can reserve a PC or take out a hire-purchase plan you must complete Know-Your-Customer verification. You upload a clear copy of your NIDA card or passport, confirm your legal names, and may optionally add your workplace.

Our team reviews each submission manually. Most reviews clear within a few hours during business days. We may ask for additional documents or decline verification without giving reasons, as permitted by law.

Once you are verified, you are assigned a credit limit. Your credit limit is a commercial decision by Ubepari and can be changed at any time based on your payment history, our risk appetite, and regulatory guidance.

Your Ubepari Wallet is a running ledger of the money you have paid in, the money we have debited for deposits and installments, and any refunds. It is not a bank account. Ubepari Wallet does not pay interest and does not provide payment services to third parties.

You can top up your Wallet via mobile money or card at any time. Top-ups are non-refundable in cash, but the balance can be applied to any current or future Ubepari purchase or installment.

If your account is closed, any positive Wallet balance will be refunded to the original payment method, less any amounts you owe us, within 30 business days.

When you reserve a PC, you are making an offer to buy it on the plan you selected. The sale is concluded when we confirm the order, the deposit has been received, and we have delivered or made the PC available for pickup at our showroom.

Prices are shown in Tanzanian Shillings (TZS) and include Value Added Tax where applicable. We try to keep catalog prices accurate but may correct obvious errors; if a price on your order differs materially from the price at the time you placed it because of a correction, we will contact you before charging the deposit.

Stock is limited. If a model goes out of stock between reservation and fulfilment, we will contact you with options: a similar model, wait for restock, or full refund of the deposit.

If you choose a hire-purchase plan (3, 6, 9, or 12 months), the separate Hire-Purchase Agreement applies in addition to these Terms. That agreement is the contract of sale-by-installments and sets out the details of ownership, installments, default, and repossession in line with the Hire-Purchase Act, 1966.

By tapping the reserve button on a hire-purchase plan, you accept both these Terms and the Hire-Purchase Agreement for that specific order. Each order produces its own separate agreement.

We accept M-Pesa, Tigo Pesa, Airtel Money and Visa / Mastercard cards. All payments are routed through a licensed aggregator (Evmark, operating under the iPAB International merchant arrangement) that holds the required licences with the Bank of Tanzania and the card networks. You authorise each payment explicitly, either by confirming the USSD prompt on your phone or by submitting your card details.

Payments are in TZS. If your card is issued in a different currency, your bank applies its own exchange rate and fees — check with them.

We never see or store your mobile-money PIN, and we do not store full card numbers on our servers. Card data is handled by the aggregator in line with PCI-DSS requirements.

Cash purchases carry no service fee. Hire-purchase plans carry a service fee based on the term you choose: 0% for 3 months, 5% for 6 months, 8% for 9 months, and 12% for 12 months. The fee is calculated on the financed amount (the cash price less your 20% deposit) and is shown in full before you commit. Monthly installments are rounded up to the nearest 1,000 TZS.

We charge a late fee of 2% of the missed installment for each period that begins 7 days or more after the due date. Early payoff is free — you can clear your balance at any time without penalty.

We do not charge to top up your Wallet. Your mobile-money provider or card issuer may apply their own transaction fees — check with them.

Every new PC comes with the manufacturer's 12-month limited warranty. We pass this warranty through to you in full; we do not limit it. Warranty covers manufacturing defects, not accidental damage, liquid damage, or wear-and-tear.

If a PC arrives dead-on-arrival or develops a defect within 7 days of delivery, we will replace or repair it at no cost to you. After 7 days, we honour the manufacturer's warranty process and help you coordinate it.

These rights are in addition to any rights you may have under Tanzanian consumer-protection law. Nothing in these Terms limits those rights.

You agree not to:

• use the service for any unlawful purpose, including money laundering, fraud, or financing illegal activity; • impersonate another person or misrepresent your identity; • attempt to bypass security, scrape the site with automation we have not authorised, or interfere with other users; • re-sell or commercially exploit the service without our written consent.

Breach of this section may result in immediate suspension or closure of your account, reporting to the police, and legal action for damages.

The Ubepari name, logo, and the content and code of Ubepari Wallet are owned by Ubepari PC Co LTD or our licensors. You may view and use them only as part of using the service. You may not copy, modify, or publish them without our written permission.

Product photos, specifications, and brand names belong to their respective manufacturers and are used under licence or fair dealing.

We do our best to keep Ubepari Wallet available around the clock, but we cannot guarantee uninterrupted service. We may need to take the service offline for maintenance, upgrades, or emergency fixes. Where possible, we will post advance notice on the site.

The service is provided "as is" and "as available". We disclaim all implied warranties to the maximum extent permitted by law, except as expressly stated in these Terms.

To the maximum extent permitted by law, our total liability to you for any claim arising out of or related to these Terms or your use of Ubepari Wallet is limited to the greater of (a) the total amount you have paid us in the 12 months before the claim, or (b) TZS 100,000.

We are not liable for indirect, incidental, special, consequential, or punitive damages, including loss of profit, revenue, data, or goodwill.

Nothing in this section limits liability for fraud, gross negligence, death or personal injury caused by our negligence, or any other liability that cannot be limited under Tanzanian law.

You can close your account at any time by writing to support@ubeparipc.com. Closure does not release you from obligations on any active hire-purchase plan.

We can suspend or close your account if we reasonably believe you are in breach of these Terms, have provided false information, are using the service for unlawful purposes, or if we are required to by law or regulator order. Where practicable we will give you notice and a chance to fix the issue first.

We may change these Terms from time to time — for example, to reflect new products, new laws, or changes in how we operate. If the change is material, we will notify you by SMS, email, or in-app message at least 14 days before it takes effect. For non-material changes (typos, clarifications) we may update the document without individual notice.

The version and "last updated" date at the top of this page always reflect the current version. Continuing to use Ubepari Wallet after a change takes effect means you accept the new version. If you do not accept, stop using the service and close your account.

These Terms are governed by the laws of the United Republic of Tanzania, including the Electronic Transactions Act, 2015 and, where relevant, the Hire-Purchase Act, 1966 and the Personal Data Protection Act, 2022.

We prefer to resolve disputes directly — please write to us first. If that fails, the courts of Tanzania, sitting in Dar es Salaam, have exclusive jurisdiction. Nothing prevents you from filing a complaint with a competent regulator (for example, the Fair Competition Commission for consumer issues or the Personal Data Protection Commission for data issues).

If you have questions about these Terms, write to support@ubeparipc.com, call +255 683 491 481, or visit our showroom at Magomeni Mapipa, Dar es Salaam.