Terms & Conditions

These Terms & Conditions govern your access to and use of SANGI, including its website, application, accounts, payment features, and related services.

By creating an account or using SANGI, you acknowledge that you have read, understood, and agreed to these Terms. If you do not agree with these Terms, you should not use the service.

You must satisfy all applicable legal and regulatory requirements to create and maintain an account with SANGI.

By registering, you confirm that the information you provide is accurate, complete, and current. You are responsible for updating your information whenever it changes.

Your SANGI account is intended for your personal use. You are responsible for maintaining the confidentiality of your login credentials and for activity performed through your authenticated account.

• Provide accurate registration information.
• Keep your account information up to date.
• Do not share your account credentials.
• Notify us promptly if you suspect unauthorized access.

Your MPIN and authentication credentials are security credentials and must be kept confidential.

SANGI may apply security controls such as authentication, transaction verification, rate limiting, temporary account restrictions, and other safeguards to protect your account.

You are responsible for reviewing transaction details before confirming a transaction. Once a transaction has been submitted, cancellation or reversal may not always be possible.

Transaction processing may depend on verification, available balance, system availability, applicable limits, and other security or regulatory requirements.

• Review recipient information before sending money.
• Verify transaction amounts before confirmation.
• Keep transaction notifications and records for your reference.

Certain services or transactions may be subject to fees or charges. Where applicable, the relevant charges will be presented to you before completion of the transaction.

Fees may change from time to time in accordance with applicable requirements and the terms governing the relevant service.

You agree to use SANGI responsibly, lawfully, and only for legitimate purposes.

• Comply with applicable laws and regulations.
• Provide truthful and accurate information.
• Protect your account and authentication credentials.
• Cooperate with reasonable security or verification procedures.
• Report suspected unauthorized transactions promptly.

You must not use SANGI to conduct, facilitate, or participate in unlawful, fraudulent, abusive, or unauthorized activities.

• Attempting to gain unauthorized account access.
• Using another person's identity or credentials.
• Attempting to bypass security controls.
• Submitting false or misleading information.
• Using the service for fraudulent or illegal purposes.
• Interfering with the security or operation of SANGI.

Your use of SANGI may involve the collection and processing of information necessary to provide, secure, and improve the service.

Information will be handled according to our applicable privacy practices and policies. You should review the SANGI Privacy Policy for additional information about data collection, use, storage, and protection.

We aim to keep SANGI available and reliable, but we do not guarantee that the service will always be available without interruption.

Services may occasionally be unavailable because of maintenance, security measures, technical failures, network issues, third-party dependencies, or other circumstances beyond our reasonable control.

To the maximum extent permitted by applicable law, SANGI and its operators will not be responsible for losses resulting from your failure to protect your credentials, unauthorized sharing of account information, inaccurate information supplied by you, or unlawful use of the service.

Nothing in these Terms is intended to exclude or limit liability where such exclusion or limitation is not permitted by applicable law.

We may restrict, suspend, or terminate access to an account where reasonably necessary to protect users, investigate suspected fraud or abuse, comply with legal obligations, or protect the security and integrity of the service.

Where appropriate and legally permitted, we may notify you about restrictions affecting your account.

We may update these Terms from time to time to reflect changes to our services, security practices, legal requirements, or other operational needs.

When material changes are made, we may provide notice through appropriate channels. Your continued use of SANGI after the effective date of updated Terms may constitute acceptance of those changes where permitted by law.

These Terms are subject to the applicable laws and regulations governing the services provided by SANGI. Any disputes will be handled by the courts or dispute resolution mechanisms having appropriate jurisdiction.

The exact governing law and jurisdiction should be finalized based on the legal structure and location of your actual business.