Terms of Service

Effective Date: 01 June 2026

1. Introduction

Welcome to Finicashi. These Terms of Service ("Terms") are a legal agreement between you and Fintpay Limited, the company operating Finicashi. By registering and using our platform, you agree to these Terms, our Privacy Policy, and all applicable laws and regulations of Uganda.

2. Services Provided

Finicashi offers a range of digital financial services, including:

Investments: Earning daily returns on initial investments with a structure that extends to 20 levels of referrals.
Referral Program: Earning commissions (10%) on successful referrals, with immediate withdrawal eligibility for referral bonuses.
Daily Bonuses: Bonus payouts for the first 30 days following investment, which become withdrawable after a 24-hour holding period.
Bill Payments & Airtime: Payment of utilities (water, electricity, TV) and purchase of data, airtime, SMS bundles, and WiFi services.
Loans: Access to online loans with an annual interest rate of 12%.
Visa/Mastercard Services: Payment processing and merchant code services.

3. User Accounts and Registration

You agree to:

Provide accurate and complete registration information.
Maintain the confidentiality of your account login credentials.
Notify us immediately of any unauthorized use of your account.
Use the services only for lawful purposes and in compliance with Ugandan law.

4. Investment, Bonuses, and Withdrawals

Investments: Funds invested are subject to the terms and conditions of the specific investment product.
Daily Bonuses: Bonuses are credited daily. You must wait 24 hours from the time the bonus is credited before it can be withdrawn. You may only withdraw a bonus after this period.
Referral Bonuses: Bonuses earned from referrals are withdrawable immediately upon being credited.
Withdrawal Requests: We will process withdrawal requests in accordance with our operational procedures. While we strive for prompt processing, we are not liable for delays caused by third-party payment processors.

            ⚡ Refund Policy: A user may request a refund of their initial investment only if they have not made any withdrawal (bonuses or returns) prior to the cancellation request. If a user has made any withdrawal, they are no longer eligible for a refund of the principal investment.
        

5. Bill Payments and Loans

Bill Payments: You are responsible for providing correct account details and amounts for bill payments. Finicashi is not liable for payments made to incorrect recipients due to user error.
Loans: All loans are subject to credit assessment and approval. Interest accrues at a rate of 12% per annum. Failure to repay loans on time may result in additional fees and negative reporting to credit bureaus in Uganda.

6. Cooling-Off Period (for Loans)

In compliance with UMRA guidelines, a consumer who has been granted a loan of at least UGX 3,000,000, with a duration of at least one year, may revoke the contract within three working days of signing by providing written notice. The consumer must repay the full loan amount plus an administrative fee not exceeding 5% of the loan's value.

7. Limitation of Liability

Finicashi and Fintpay Limited are not liable for:

Any indirect, incidental, or consequential damages.
Losses arising from unauthorized access to your account.
Service interruptions or delays due to factors beyond our control.

8. Termination

We reserve the right to suspend or terminate your account if you violate these Terms or engage in fraudulent or illegal activities.

9. Contact Us

📞 Support Number: 0768732708 📍 Address: Nansana, Absa Bank Building, Room 4, Sibyangu Plaza, Opp Meru Petro Station.