JUMO Platform Terms
These are the contract terms (“Platform Terms”) that apply between you and JUMO when you use the Platform. Please read these Platform Terms carefully.
Who we are:
JUMO Ghana Limited (“JUMO”, “we” or “us”) is a company with a mission to make finance accessible to everyone. JUMO operates a technology platform (the “Platform”), that enables our partners to offer loans, savings and a range of financial choices to customers of MTN. JUMO’s full details are shared below. In addition to these Platform Terms, you will need to agree to separate product terms and conditions when you apply for any specific financial product (“Product Terms”).
1. Applying for a Product
1.1. You need to be 18 or older, and have a dedicated MTN mobile money account before you may apply for a loan (“Product”) through the Platform.
1.2. Access to the Platform is through a USSD menu on your mobile phone, and you can apply for a Product by following the instructions in this menu. Please read the USSD menu carefully as it includes important information about the Product.
1.3. Each Product is from a licensed financial institution (the “Provider”).
1.4. When you apply for a Product, we will need to assess whether you qualify for that Product in terms of our requirements. For clarity, you are not guaranteed any Product that you apply for until that Product has been approved.
2. Your Personal Data
2.1. When you accept the Platform Terms, you agree that MTN may give us certain information about you to assess if we can offer the Product to you. This information includes your mobile phone number, your name and surname, date of birth, Ghana card or passport number and information about how you use your MTN mobile money Account.
2.2. We will process your personal data in accordance with the Data Protection Act, for purposes of providing you with services and improving the Platform, and will transfer your personal data in the following circumstances:
● to affiliate companies in the JUMO group of companies to provide and improve the Platform services;
● to service providers of JUMO for purposes of providing the Platform services;
● to service providers conducting market and product development on behalf of JUMO in order to be able to improve the Platform and Product offering;
● to credit reference bureaus in accordance with applicable laws;
● to Providers when you apply for a Product, in order to enable them to consider your application; and
● to local or international regulatory bodies where this is required by applicable law;
2.3. Your consents:
2.3.1. If you apply for a Product you expressly consent to the transfer, storing or processing of your personal data on servers located outside Ghana .
2.3.2. If you apply for a Product, you agree that we may share your personal data with the Provider.
2.3.3. If you are approved for a Product, we will contact you from time to time to communicate your transactional activity and to send you educational messages to improve your financial standing and help you comply with the Product terms. If you apply for a Product, you consent that we may send you messages for these purposes.
2.3.4. By accepting these terms you consent to our sending you direct marketing. We will confirm this consent via sms.
3. Limited Liability
JUMO will not be responsible (liable) for any indirect or consequential loss or damage, caused by or related to your use of the Platform.
4. General
4.1. These Platform Terms are subject to the laws of Ghana.
4.2. By accepting the Platform Terms you consent to JUMO transferring (ceding and assigning) any of its rights or obligations in these Platform Terms to any third party with notification to you (without having to obtain your consent), subject thereto that your rights are not adversely affected in any manner.
4.3. If a duly appointed arbitrator, court or administrative body with jurisdiction finds any provision of these Platform Terms invalid or unenforceable, this will not affect the rest of these provisions.
4.4. You have the right to access the information held by JUMO and to request correction of incorrect information.
4.5. JUMO Ghana Limited’s registration number is CS019292016. It has registered offices at 8th Floor, Horizon Offices, One Airport Square Center, Airport City, Accra, Ghana.
4.6. If you have any questions about the processing of your personal data, or would like to exercise any of your rights as a data subject, you may contact us at customerdata_requests@jumo.world or by post to our registered offices as set out above. Please mark your message “Attention: Data Privacy Team”. Please include your MSISDN number and your country of current residence.
4.7. If you have any product or account inquiries or service complaints, you can make contact as follows:
4.7.1. Email: customercare.gh@mtn.com
4.7.2. Phone: dial 0244 300 000 from any network, or 100 from your MTN SIM or handset in Ghana
4.7.3. Website: www.MTN.com.gh
4.8. A ticket number is raised for all escalations.
4.9. If you are not satisfied with how your inquiry was resolved you can email customer_grievance@jumo.world