General Terms and Conditions for Platform Services

These general platform terms are a framework for Jamborow services and should be supplemented by product-specific contracts, partner-bank terms, regulated entity terms, API agreements, lending agreements, payment terms and customer disclosures.

1. Services

Jamborow may provide digital onboarding, data management, platform access, savings group administration tools, cooperative and credit union technology, KYC workflow, lending marketplace technology, payment orchestration, partner integration, reporting, analytics, API access, white-label capabilities, financial inclusion programme support and enterprise services.

2. Role of Jamborow

Jamborow may act as technology provider, data controller, data processor, platform operator, programme manager, introducer, service provider, agent or partner depending on the product and contractual model. The applicable role must be stated clearly in each customer or partner agreement.

3. Partner services

Banking, payment, credit, deposit, e-money, investment, insurance, capital market or regulated services may be provided by authorised third-party partners. Users may need to accept separate partner terms.

4. Customer responsibilities

Users and organisations must provide accurate information, keep credentials secure, comply with laws, obtain internal approvals, ensure group member consent where required, prevent unauthorised use, maintain records and promptly notify Jamborow of suspected fraud, error, compromise or disputes.

5. Fees

Fees, commissions, subscription charges, transaction charges, integration fees, implementation fees and revenue-share arrangements will be stated in the relevant order form, contract or product schedule.

6. Suspension and termination

Jamborow may suspend or terminate access where required for security, fraud prevention, sanctions, AML/KYC, non-payment, breach of contract, legal compliance, regulator request, partner instruction or unacceptable risk.

7. Data and records

Jamborow may maintain platform logs, audit trails, transaction records, onboarding records and communications for compliance, security, reporting, dispute resolution and regulatory purposes.

8. Service availability

Jamborow will use reasonable efforts to keep services available but does not guarantee uninterrupted, error-free or permanently available access. Maintenance, outages, partner downtime, telecoms disruption, force majeure or security events may affect service availability.