Terms of Service

Last updated: 17 July 2026 · Fedha Technologies, Dar es Salaam, Tanzania

1. Who we are

Fedha Tracker ("the Service") is a personal and small-business financial management platform operated by Fedha Technologies ("we", "us"). By creating an account or using the Service you agree to these Terms.

2. What the Service is — and is not

The Service lets you record transactions, set budgets and goals, track loans and investments, and view reports, forecasts, alerts, and AI-generated insights based on the information you enter. The Service is a record-keeping and analysis tool. It is not a bank, a payment service, a lender, an investment adviser, or an accounting firm, and it does not hold or move your money.

3. Your account

You are responsible for the accuracy of the information you enter, for keeping your login credentials secure, and for all activity under your account. You must be at least 18 years old. One person or business per account unless otherwise agreed under a Business plan.

4. AI features

Forecasts, health scores, alerts, and AI Assistant responses are generated automatically from your own data. They are informational only, may contain errors, and are not professional financial, investment, tax, or legal advice. See our AI Disclaimer. You are responsible for decisions you make.

5. Subscriptions and payment

Some features require a paid plan. Prices, billing periods, and renewal terms are shown at checkout and on the Subscription page. Payments are processed by our payment provider; we do not store card numbers. You may cancel at any time, effective at the end of the current billing period.

6. Refunds and cancellations

You may cancel your subscription at any time from the Subscription page. Cancellation stops future billing; your paid features remain active until the end of the period you have already paid for. We do not provide refunds for payments already made, including for partially used billing periods or unused time after a cancellation.

We do issue refunds for genuine errors — for example a duplicate charge, a technical billing fault, or being charged after a confirmed cancellation. If you believe you were charged in error, contact support within 14 days and we will investigate and correct it. See our full Refund Policy for details.

7. Acceptable use

You agree not to misuse the Service — including attempting to access other users' data, interfering with the Service's operation, using it for unlawful purposes, or attempting to extract or abuse the AI features beyond normal personal or business use.

8. Your data

Your data belongs to you. How we collect, use, and protect it is described in our Privacy Policy. You can export your data or delete your account (and its data) at any time from your Profile page.

9. Availability and changes

We work to keep the Service available and secure but do not guarantee uninterrupted operation. We may update features and these Terms; material changes will be notified in the app, and continued use after notice constitutes acceptance.

10. Limitation of liability

To the maximum extent permitted by the laws of the United Republic of Tanzania, the Service is provided "as is", and we are not liable for indirect or consequential losses, or for decisions made in reliance on the information and insights the Service produces.

11. Governing law

These Terms are governed by the laws of the United Republic of Tanzania, and disputes are subject to the jurisdiction of Tanzanian courts.

12. Contact

Fedha Technologies — Dar es Salaam, Tanzania. Support contact is available in the app.

This document is a working draft prepared for review by a licensed Tanzanian advocate prior to public launch.