Terms of Service

AnchorPamoja Terms of Use

Effective as of February 2022.

Welcome to AnchorPamoja’s Terms of Use agreement.

This AnchorPamoja terms of use agreement is an agreement between you (individual/group) and AnchorPamoja. Your use of AnchorPamoja platform is subject to your acceptance of the terms and conditions of AnchorPamoja platform agreement. If you do not agree to be bound by these terms of use in their entirety, you may not access or use our services. By signing up for AnchorPamoja services, you expressly agree to the terms and conditions of this AnchorPamoja agreement  and any updates or modifications made to this document from time to time by AnchorPamoja.

For purposes of this agreement, “Site” refers to the Company’s website, which can be accessed at AnchorPamoja or through our mobile application “AnchorPamoja”. “Service” refers to the Company’s services accessed via the Site. The terms “we,” “us,” and “our” refer to the Company. “You” refers to you, as a user of our Site or our Service.

The following terms of use apply when you view, use or sign up to any of our services.

ABOUT ANCHORPAMOJA

AnchorPamoja is a community based online platform that helps you manage your group membership and contribution. Our services allow you to create a group for your diaspora community, invite your group members, create events, make your group contributions payments and access your contribution statements. 

The AnchorPamoja services are offered by AnchorPamoja LLC.  

PRIVACY POLICY

The Company respects the privacy of its Service users. Please refer to the Company’s Privacy Policy  which explains how we collect, use, and disclose information that pertains to your privacy. When you access or use the Service, you signify your agreement to the Privacy Policy as well as these Terms of Use.

YOUR ANCHOR PAMOJA ACCOUNT

You need to be at least [18 years old] and a resident of the United States to register for and use the Service. An AnchorPamoja account allows you to do things like;

  • Create your community group
  • Create Events
  • Manage your group membership
  • Make payments using your credit card, debit card or bank account.
  • Transfer money to your AnchorPamoja Wallet from your credit card, debit card or bank account.

You are responsible for maintaining adequate security and control of any and all IDs, passwords, personal identification numbers, or any other codes that you use to access your AnchorPamoja account and services. You must keep your mailing address, email address and other contact information current in your AnchorPamoja account profile.

Opening an account.

When you create an AnchorPamoja account, your account will include a unique username and a password to access the Service and to receive messages from AnchorPamoja.  

You can also create an account by using single sign on authentication with your google account.By using your google account to sign up, AnchorPamoja application will have access to the following 3 services;

  • Associate you with your personal Information on google-  AnchorPamoja Application will know who you are on  Google and associate your account with the personal information you have made public.  
  • See your personal information (full name, profile picture, gender, preferred languages) including any personal information you have made publicly available. 
  • See your primary google account email address – see the primary email address associated with your google account. 

MAKING PAYMENTS

Link or unlink a payment method.

You can link or unlink a credit card, debit card or a bank account to your AnchorPamoja account as a payment method. Please keep your payment method information current (i.e. credit card number/debit card number and expiration date). If your payment information changes, you are required to update your payment information to avoid your payments being declined.  

When linking your bank account payment method, a one time non-refundable account verification fee is charged to your account. 

Paying AnchorPamoja group Bills

You can pay your AnchorPamoja Bills using any of the linked payment methods or funds in your AnchorPamoja wallet. 

Payments on AnchorPamoja platform are only done in United States of America dollar currency (USD).

AnchorPamoja Wallet.

You may use the payment methods linked to your AnchorPamoja Wallet to pay for the contribution/bills you make using your AnchorPamoja account. You can add funds to your AnchorPamoja Wallet from the bank account or card that’s linked to your AnchorPamoja account to a limit of $100.  The amount transferred will be held as a balance in your AnchorPamoja account. 

The funds held in your AnchorPamoja account can only be used to pay for bills within the AnchorPamoja groups. 

We may charge a fee to make a transfer to your AnchorPamoja wallet, the applicable fees  will be disclosed to you in advance each time you initiate the transfer/wallet top-up. 

Account Statements

You have the right to receive an account statement showing your AnchorPamoja account transactions activity. You may view your AnchorPamoja account transactions statement by logging into your AnchorPamoja account.

Preferred Payment Method

When making bill payments or transferring funds to your wallet, we will show you available payment methods based on your already linked payment methods list to select from.  

Transaction Fees

Your AnchorPamoja transaction fees depend on the amount you are transacting when paying your bill or purchasing a ticket for an event.  

Please note that; 

  • If you accept to use our platform to manage your group contribution funds, the fees applicable to the group contributions will apply to your transactions.  
  • Your transaction fees may change in the future. In the event of this change being effected we will provide you with at least a 14 days’ advance notice of any fee increase or introduction of any new type of fee. 

Payment Processor

To be able to process your AnchorPamoja transactions securely and successfully, we have partnered with stripe and plaid as our payment processors. To be able to offer the payment services to you, our payment processors have transaction fees and this have already been integrated into our platform. When making a payment, your transaction fees will be shown to you before completing the payment process. You can read more on Stripe’s services Agreement  on this page:  STRIPE SERVICES AGREEMENTS  and Plaid’s Privacy policy on this page PLAID END USER PRIVACY POLICY

RESTRICTED ACTIVITIES

In connection with your use of our services, your AnchorPamoja Mobile App, AnchorPamoja web portal and AnchorPamoja website, or  in the course of your interactions with AnchorPamoja, other AnchorPamoja users or third parties, you will not; 

  • Breach this user agreement, AnchorPamoja’s terms of use policy, or any other agreement between you and AnchorPamoja. 
  • Violate any law, statute, ordinance, or regulation (for example, those governing financial services, consumer protections, unfair competition, anti-discrimination or false advertising).
  • Infringe AnchorPamoja’s or any third party’s copyright, patent, trademark, trade secret or other intellectual property rights, or rights of publicity or privacy.
  • Act in a manner that is defamatory, trade libelous, threatening or harassing.
  • Provide false, inaccurate or misleading information.
  • Send or receive what we reasonably believe to be potentially fraudulent funds.
  • Engage in potentially fraudulent or suspicious activity and/or transactions.
  • Refuse to cooperate in an investigation or provide confirmation of your identity or any information you provide to us.
  • Control an account that is linked to another account that has engaged in any of these restricted activities.
  • Conduct your business or use AnchorPamoja services in a manner that results in or may result in:
    • Complaints 
    • Requests by users/partners (either filed with us or card issuers) to invalidate payments made to you; or;
    • fees, fines, penalties or other liability or losses to AnchorPamoja, other AnchorPamoja customers, third parties or you.
  • Use your AnchorPamoja account or AnchorPamoja services in a manner that AnchorPamoja Visa, MasterCard, American Express, Discover or any other electronic funds transfer network reasonably believes to be an abuse of the card system or a violation of card association or network rules.
  • Use the AnchorPamoja services to test bank accounts and credit/debit card behaviors. 
  • Harass and/or threaten our employees, agents, or other users.
  • Disclose or distribute another user’s information to a third party, or use such information for marketing purposes unless you receive the user’s express consent to do so.
  • Copy, reproduce, communicate to any third party, alter, modify, create derivative works, publicly display or frame any content from the AnchorPamoja service without our or any applicable third party’s written consent.
  • Reveal your account password(s) to anyone else, nor use anyone else’s password. We are not responsible for losses incurred by you including, without limitation, the use of your account by any person other than you, arising as the result of misuse of passwords.

Intellectual property Ownership

You agree that the AnchorPamoja platform’s software, authorship, systems, ideas, methods of operation documentation and other information contained in the platforms are proprietary intellectual property and/or the valuable trade secrets of the right holder or its partners and that the right holder and its partners , as applicable are protected by civil and criminal law and by the law of copyright, trade secret, trademark and patents of the United States as well as other countries and international treaties. 

This agreement does not grant you any rights to the intellectual property. Anchor Pamoja and its partners own and retain all right, title and interest in and to the AnchorPamoja platforms including without limitation any error corrections, enhancements, updates or other modifications to the platforms. 

GOVERNING LAW

This agreement shall be governed by and construed in accordance with the laws of the United states of America without reference to or application of conflicts of law principles. 

The end user of the AnchorPamoja platform is responsible for contacting only AnchorPamoja or their partners directly if having any problems with any of our products.

RECEIVING INFORMATIONAL MATERIALS

You acknowledge, accept and agree to receive informational materials via the AnchorPamoja platform from the AnchorPamoja team and or partners to improve the product service to you.  

INDEMNIFICATION

You agree to defend, indemnify, and hold harmless AnchorPamoja, Payment Method Acquirers, Payment Method Providers, and their respective employees and agents (each a “Disclaiming Entity”) from and against any claim, suit, demand, loss, liability, damage, action, or proceeding arising out of or relating to (a) your breach of any provision of this AnchorPamoja Platform Agreement; (b) any disputes between you and Connected Accounts, including those arising from use of Connected Account Data or Activity by you, your groups, or your agents, whether for you, your group  or community; or (c) your use of AnchorPamoja in a manner that is illegal or inconsistent with the AnchorPamoja platform terms of use. 

Where an account was created as part of the onboarding process, you also agree to defend indemnify, and hold harmless all Disclaiming Entities from and against any claim, suit, demand, loss, liability, damage, action, or proceeding arising out of or relating to (d) Activity on the subject account whether whether initiated by you or not (including all Transactions, Disputes, fines associated with such Activity, or use of the Services in a manner prohibited under this AnchorPamoja Platform Agreement; (e) any inaccurate or incomplete information provided to AnchorPamoja as part of the onboarding; and (f) for custom onboarding, your failure to acquire a binding agreement for the account opened.  

AnchorPamoja agrees to defend, indemnify, and hold you harmless from and against any claim, suit, demand, action, or proceeding instituted by a non-affiliated third party to the AnchorPamoja Platform Agreement to the extent that such arises out of AnchorPamoja infringing the third party’s intellectual property rights.

REPRESENTATION AND WARRANTIES

You  represent and warrant  to AnchorPamoja that you will (a) obtain authorization from AnchorPamoja for all Activity initiated on its behalf, and for the use of any AnchorPamoja Data obtained through or used with AnchorPamoja platforms, by you, your employees, your groups and your agents; (b) dutifully comply with the onboarding obligations described in this Terms of service Platform Agreement; and (c) not use AnchorPamoja platforms or knowingly permit the use of Services by AnchorPamoja platforms in a manner that is fraudulent, unlawful, deceptive or abusive.

To the maximum extent permitted by law, except as expressly provided in this Terms of Use Platform Agreement, AnchorPamoja provides AnchorPamoja platforms and services to you on an “as is” “as available” basis, without any warranties, express, implied, or statutory.

Right to amend

AnchorPamoja may amend this Terms of use agreement upon notice to you, which may be provided through email, your AnchorPamoja platforms  notifications panel and/or AnchorPamoja’s website. You agree that any changes to the AnchorPamoja platform terms of use  will be binding on you 7 days after the amendment is made by AnchorPamoja. If you elect to not accept the changes to this AnchorPamoja platform terms of use you must provide  (a) notice to AnchorPamoja and (b) immediately cease using AnchorPamoja platforms. Where you do not provide such notice prior to the amendments becoming binding by continuing to use the services you agree that you are consenting to any such changes to the AnchorPamoja Agreement. 

Entire Agreement

This terms of use Agreement constitutes the entire agreement between you and Anchor Pamoja with respect to the AnchorPamoja platforms. These terms and conditions describe the entire liability as between you and AnchorPamoja, and set forth your exclusive remedies with respect to AnchorPamoja. If any provision of this agreement is held to be invalid or unenforceable under applicable law, then it should be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect.  

Thank you welcome to AnchorPamoja.