Terms of Service

CashMango is a non-custodial software platform for creating, sharing, recording, confirming, reviewing, and reconciling payment-related records. The service supports both group collections (for churches, associations, schools, and other organizers) and merchant recordkeeping tools. The service may include collection pages, merchant dashboards, payment posters, QR tools, reminders, analytics, and related workflow features.

CashMango does not hold customer funds or process payments through the current version of the service. Payments are made outside CashMango using user-selected channels such as MoMo, bank transfer, or cash. CashMango provides the records, workflow, visibility, and confirmation layer around those transactions.

You may not use CashMango or describe CashMango in a way that presents the platform as a wallet, escrow service, settlement service, payment processor, funds intermediary, or licensed payment service provider unless and until CashMango expressly states otherwise in writing.

You must be at least 18 years old and legally able to enter into a binding agreement to create a CashMango account. We will ask you to confirm this at signup. You must also have authority to create collections, manage business records, publish payment details, or submit payment-related information on behalf of any individual or organization you represent through the service.

You are responsible for keeping your login credentials secure and for activity that occurs through your account. Notify us immediately at support@cashmango.africa if you suspect unauthorized access.

You agree to:

• Provide accurate information when creating an account, collection, workspace, or payment record.
• Only publish payment details you are authorized to share.
• Only submit payments, receipts, screenshots, or records that are truthful and not misleading.
• Use the service in compliance with applicable law, regulations, and third-party rights.
• Ensure your use of the platform does not misrepresent CashMango as the holder or processor of funds.

You may not use CashMango to:

• Commit fraud, impersonation, deception, or unlawful collection activity.
• Upload forged, misleading, or unauthorized receipts, screenshots, or payment records.
• Infringe privacy, intellectual property, or other legal rights.
• Interfere with the platform, bypass security controls, or access accounts without authorization.
• Use the service for illegal goods, services, or activities.
• Attempt to misuse any loan-matching feature to submit false sales data or inflate your credit profile.

CashMango may help users record, review, and confirm payment-related activity, but users remain responsible for the underlying accuracy of the information they submit or approve. A record, screenshot, or payment shown in CashMango is not a guarantee from CashMango that funds were actually transferred, cleared, settled, or received in every case.

CashMango is not a lender, does not provide credit, and does not guarantee any loan. As a separate optional service for merchant workspaces, CashMango may allow you to apply for loans through licensed partner lenders (banks, savings & loans companies, or registered microfinance institutions).

Loan matching is strictly opt-in and requires your consent both at signup and at each individual application. The partner lender makes the credit decision independently. Any loan agreement you enter into is between you and the partner lender; CashMango is not a party to that agreement.

CashMango may receive a referral fee from a partner lender if your loan is approved. This fee is paid by the lender, not by you, and will be disclosed to you at the point of application.

Your sales data is only shared with a partner lender when you personally submit an application. You can withdraw your loan-matching consent at any time in Settings. Withdrawal stops future sharing but does not retrieve data already shared with a lender in response to a submitted application.

Some parts of the service may be free, and some may require a paid subscription, add-on, or custom arrangement. Prices, plan limits, and features may change from time to time. If you use a paid plan, you agree to any applicable billing terms presented at the time of purchase.

CashMango may integrate with, display, or rely on third-party services such as hosting providers (including Supabase), analytics tools, messaging channels, payment channels selected by users, and partner lenders. We are not responsible for the performance, availability, terms, or actions of third-party services that operate outside CashMango.

CashMango and its related content, branding, software, and product materials remain the property of Hotlab Company Limited or its licensors, except for user content that you upload or publish. You grant CashMango a limited right to host, process, display, and transmit your content as needed to operate the service.

Our handling of personal data is described in our Privacy Policy, which forms part of these Terms. By using CashMango you acknowledge the practices described in the Privacy Policy, including international data transfers to our infrastructure providers and retention of audit and consent records.

We may suspend, restrict, or terminate access to the service where necessary to protect the platform, investigate misuse, comply with law, enforce these terms, or address security risks. You may stop using the service at any time and may request deletion of your account as described in the Privacy Policy.

CashMango is provided on an "as is" and "as available" basis to the fullest extent permitted by law. We do not guarantee uninterrupted access, error-free operation, or suitability for every use case. Nothing in the service constitutes financial, legal, investment, or tax advice.

To the fullest extent permitted by law, CashMango and its affiliates will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for loss of profits, revenue, goodwill, or data arising from or related to your use of the service. Our total liability for claims relating to the service will be limited to the amount you paid us for the relevant paid service during the twelve months before the claim, or the minimum amount permitted by law if no such payment was made.

These Terms are governed by the laws of the Republic of Ghana. Disputes relating to these Terms or the service will be resolved in the appropriate courts of Ghana, subject to any mandatory legal rights you may have as a consumer.

We may update these Terms from time to time. When we do, we will update the effective date above and, for material changes, provide additional notice through the service. Continued use of the service after updated Terms become effective means you accept the revised Terms. Material changes to loan-matching terms will require you to re-consent before any further data sharing.

For legal or account questions, contact us at hello@cashmango.africa or support@cashmango.africa.