Terms of Service

Terms of Service

Last Updated: November 30, 2025

Welcome to PayInJoy. These Terms of Service govern your use of our website and services. By accessing or using PayInJoy, you agree to be bound by these terms.

1. Eligibility

To use our services, you must:

• Be at least 18 years old
• Be a resident of Tanzania
• Have a valid identification document
• Provide accurate and complete information
• Have a regular source of income
• Possess an active mobile number
• Have a valid bank account or mobile money account

2. Loan Services

PayInJoy provides smartphone financing services subject to:

• Credit approval based on our assessment criteria
• Availability of devices from our partners
• Compliance with all applicable laws and regulations
• Successful verification of provided information
• Completion of all required documentation
• Payment of applicable fees and down payment

3. User Responsibilities

You agree to:

• Provide accurate and current information
• Maintain the confidentiality of your account
• Make timely payments as agreed
• Use the service for lawful purposes only
• Notify us immediately of any unauthorized account activity
• Keep your contact information updated
• Comply with all applicable laws and regulations
• Use the device responsibly and maintain it properly

4. Payment Terms

Loan agreements include specific payment terms:

• Down payment requirements as specified for each device
• Installment schedules (daily, weekly, or monthly)
• Interest rates and processing fees as disclosed
• Late payment penalties and consequences
• Early repayment options and conditions
• Default consequences and collection procedures
• Payment method restrictions and requirements

5. Intellectual Property

All content on the PayInJoy platform, including logos, text, graphics, and software, is our property and protected by intellectual property laws. You may not use our intellectual property without prior written permission.

6. Account Termination

We reserve the right to suspend or terminate accounts that:

• Violate these terms of service
• Engage in fraudulent activities
• Provide false information
• Fail to make required payments
• Misuse our services
• Attempt to circumvent our security measures
• Engage in illegal activities

7. Limitation of Liability

PayInJoy is not liable for:

• Indirect, incidental, or consequential damages
• Loss of profits or business opportunities
• Device malfunctions covered by manufacturer warranties
• Delays caused by third-party service providers
• Force majeure events beyond our control
• User errors or misuse of services

8. Changes to Terms

We may update these terms periodically. We will notify users of significant changes through our platform or via email. Continued use of our services constitutes acceptance of the modified terms.

9. Governing Law

These terms are governed by the laws of the United Republic of Tanzania. Any disputes shall be resolved in the courts of Tanzania.

10. Privacy

Your use of our services is also governed by our Privacy Policy, which explains how we collect, use, and protect your information.

11. Contact Information

For questions about these terms, contact us at: