Terms of Use

1. ABOUT THESE USE TERMS

I would request that you provide enough time to make sure you have read these utilization recommendations carefully. You confirm that you have read, understood, agreed to, and consented to these Terms of Use by creating an account or using any part of the website.

Your approval of the terms of this agreement is indicated by your usage of the ModoScore service. ModoScore will generate your personal credit score based on the data you provide directly or authorise access to.You will not be allowed to access or use any part of the Service if you disagree with these Terms of Use. Through these Terms of Use, ModoScore Technologies and you, the individual user ("You" or "Your"), enter into a contractual arrangement.

Any changes or additions to these Terms of Use take effect on the date of publication.

2. DEFINITION AND CLARIFICATION

Unless otherwise specified, email is not regarded as "writing" under these Terms of Use. Furthermore, rather of being constrained, the meaning of the words that follow—such as "include," "in particular," "for example," and related expressions—is established by the phrases that come before them. The English language was used to write these phrases of use. The original English content will be used if these Terms of Use are translated into another language. The remaining portions of these terms of use, any applicable local agreements, and the aforementioned clauses will all be followed in resolving any disputes.

3. YOUR GUARANTEES AND COMMITMENTS

You attest to your approval of the following terms by signing this contract:

3.1 You are of legal age to understand these conditions of use, agree to them, and abide by them.

3.2 You consent to abide by these Terms of Use and all relevant laws by signing this form. Additionally, you understand that it is your duty to notify us of any infractions of the previously mentioned rules.

3.3 Use of the System and the Service is limited to authorized applications and only permitted for valid reasons.

3.4 You are in charge of making sure that all of the data you send to us or via the system—including information such as phone contacts, device information and call record—is correct, up-to-date, comprehensive, and devoid of any wrongdoing.

3.5 You are not allowed to do anything dishonest, deceptive, or fraudulent.

3.6 When a network is compromised or altered, the system cannot connect to it or function on it.

4. I AGREE TO THESE TERMS OF SERVICE

4.1 Before you register with Us, download, or stream, you acknowledge and accept that you have read and understand these Terms of Use. These Terms of Use are subject to change at any moment, at our discretion. The way the application and account operate will be governed by these terms.

4.2 When you click the "Accept" icon on Our System after the software download is complete, it will be assumed that you have read and agreed to these Terms of Use.

4.3 You agree to the Terms of Use, which control how the account functions, by installing the application and creating an account. You additionally attest that any further legal or equitable rights we might have to the challenged account are not affected by this agreement.

4.4 You agree to the terms and conditions of these changes if you keep using the service. Any time now, these conditions could alter. Any changes to the terms will be communicated to you through the APP.

4.5 The App may occasionally be enhanced by the Website. Until you have downloaded or streamed the most recent version of the application and accepted any additional terms and conditions listed in these Terms of Use, the update may prevent you from using the Service.

4.6 In order to enhance our services and provide you with more choices, you agree to the gathering and use of technical information about the mobile device, including any associated hardware, software, and accessories for internet-based or wireless services. The application or any of the services are used to grant this authorization. To enhance our service, your app experience, and/or our credit scoring services, we, our affiliates, and licensees may send, collect, store, process, and use your data.

4.7 You provide us access to and evaluation of your credit history by using the App and Service.

5. PARTICIPATION IN THE SERVICE

5.1 Only people who are at least eighteen years old are eligible to use our service.

5.2 We will generate your personal credit score by scoring the data you authorise. It is important to note that without your consent to access the necessary data, we cannot provide you with a credit score.

5.3 ModoScore’s role is solely to provide a credit evaluation service based on the data provided by you. We are not engaged in the business of lending or any other financial transaction. Your credit score is a tool to help you understand your financial health and may assist third parties in assessing your creditworthiness. However, ModoScore does not facilitate or influence decisions related to loan approvals, terms, or conditions, and any such arrangements are solely between you and the respective financial institutions or lenders.

6. ADVICE FOR YOUR APP SYSTEM

Every right is both reserved and granted.

6.1 In order to use the Service that We provide, you are granted a limited, revocable, non-transferable, and royalty-free license to access and use the System in compliance with these Terms of Use, the Territory, and our licensors (if any).

6.2 We and our licensors, if any, reserve all rights not expressly granted to you under these Terms of Use. You do not obtain any ownership rights, in whole or in part, over the System under these Terms of Use.

Breaking the law:

6.3 You are not allowed to:

6.3.1 To carry out any additional business operations, including sublicensing, assigning, distributing, selling, reselling, or conveying, or to guarantee that another person has access to the System;

6.3.2 For whatever purpose, use, alter, reverse engineer, or create derivative works from the original software.

6.3.3 Theft of any concepts, features, functions, or images from the System; trying to gain unauthorized access to the System or related systems or networks; utilising the System to develop a competing product or service; or executing an automated programme or script that unnecessarily hinders the System's functionality and/or performance or may cause numerous server requests per second.

6.3.4 Use any program or procedure to duplicate or alter the content, appearance, or navigation of the system. Also, it can be used to gather data, "data mine," or index.

6.3.5 Post, distribute, or duplicate any copyrighted content, trademarks, or other proprietary information without the owner's prior permission, or delete any copyright, trademark, or other proprietary rights notices from the System.

6.3.6 Any information that is sent or stored for nefarious or illegal reasons;

6.3.7 make fictitious reservations, send unwanted emails or spam, or cause other annoyances or inconveniences;

6.3.8 protect or distribute content that violates intellectual property rights or is unlawful or tortious;

6.3.9 Disseminate dangerous programs, files, or code, such as trojan horses, malware, or software infections.

6.3.10 The data on the system has been hacked or changed.

6.3.11 Give misleading information to build a relationship with a person or group;

6.3.12 Use your system-generated credit score in violation of the law.

6.3.13 Disclose any important information about you that may affect our future business dealings.

6.3.14 to cause harm to our company's or any of our group entities' reputations;

6.3.15 Make use of our services or systems to get any information or data, and try to decode any messages sent to or received from the servers hosting those systems.

7. YOUR ACCOUNT

You must first register and keep up an account as an App user before you may access the System as a user.

7.2 Everything that happens on your account is your responsibility. You own me:

7.2.1 You only need one account.

7.2.2 You are in charge of preserving the accuracy and privacy of the data connected to your account.

7.2.3 It is illegal to allow someone else to access your account or send any of its data to someone else.

7.2.4 If you believe your account has been accessed or used illegally, you must contact us right away.

7.3 We reserve the right to limit or stop access to Your Account and/or the features offered by the application, in addition to our other rights and remedies:

7.3.1 Should we conclude—at our sole discretion—that any of these terms of use have been broken,

7.3.2 while an investigation is underway;

7.3.3 If for any reason these terms of use are terminated; or

7.3.4 at any other moment, as long as it aligns with our logical reasoning.

8. YOUR INDIVIDUAL DATA

By accepting this agreement, you agree to the use and processing of your personal data in line with the Privacy Policy, which is regularly updated and available here.

9. THE INQUIRIES YOU SUBMITTED

9.1 You give us the unfettered right to reply to any requests you submit or that we believe are from you by using the System. Additionally, you assume responsibility for any such behavior.

9.3 If we have the sole discretion to think that the information can be handled without your involvement, we reserve the right to accept and comply with any incomplete or unclear request, regardless of the cause.

9.4 Even if the Request was transmitted, received, or otherwise communicated in an unethical or inappropriate way, we shall still be deemed to have behaved appropriately and fulfilled all of our obligations to you. As long as you give the instructions, you will be responsible for the request, even if we answered in good faith.

9.5 Until you give us more details or verbal or written confirmation, we reserve the right to delay fulfilling all or any part of Your Request.

9.6 You give us permission to carry out all or some of your requests. Furthermore, by completing Your Requests or by not using the discretion that has been granted to Us, You agree to release and indemnify Us from all claims, losses, damages, expenses, and expenditures.

9.7 In accordance with the applicable laws, including the Data Protection and Privacy Act, the Computer Misuse Act, and the Electronic Transactions Act, we are able to enforce any instructions pertaining to Your Account that may be required by a court order, an agency, or a competent authority.

9.8 In the event of a dispute, these Terms of Use will take precedence over any requests you make.

10. ESSENTIAL ITEMS

10.1 Because Your Mobile Device requires access to the System and the Service, you are responsible for its safe and efficient operation at your own cost.

10.2 You are in charge of making sure your mobile device is operating at its best. Any computer viruses or other problems that may occur when using the system, service, or mobile device are not our responsibility. Furthermore, we specifically disclaim any responsibility for any mistakes or issues that might occur from a mobile device malfunction. Any delays or losses brought on by the service provider that offers network connectivity are not our responsibility. Any possible costs will be your responsibility.

On your mobile device, the program is installed. It is your responsibility to make sure you have downloaded the correct software for your mobile device. If you do not have the most recent version of the program or if it is incompatible with your device, we are not responsible.

10.4 You must promptly notify us in line with the instructions we have provided if your mobile device is lost, stolen, damaged, or no longer in your possession. If someone else discovers your account information and login passwords, it could impact our legal rights and/or remedies. If a third party finds out your login information, we won't be responsible. By using your account information and login credentials, you promise to hold us harmless and protect us from any losses in the future.

10.5 Choosing a suitable internet and mobile plan and paying any fees your mobile service provider may charge, such as SMS, internet data, and phone rates, are solely your responsibility. It may need a significant amount of data consumption, and you are solely responsible for any costs and usage related to the system. You have a responsibility to comprehend this.

10.6 When using the System and the Service, you must abide by all rules, regulations, and directions included in these Terms of Use and any other document that We provide.

10.7 You must take all reasonable precautions to guard against unwanted access to the System and the Service. This means that every letter we send you must be evaluated and verified by you or someone acting on your behalf. This will ensure that any unapproved use or access to the system is detected. If any of the following happen, you need to get in touch with us right away:

10.7.1 There are good reasons to suspect that someone else has stolen or obtained your credentials.

10.7.2 You have cause to believe that an illegal intrusion or transaction has taken place, or that the Service has been, may be, or may have been used unlawfully.

10.7.3 You are required to abide by any security measures that we may occasionally inform you about, in addition to any other rules that may occasionally be pertinent to the Service. You are aware that failing to follow the suggested security procedures could jeopardize the privacy of your account. Only those individuals who have been authorized by you are allowed to use the service, make requests, and fulfill any related responsibilities. It is your responsibility to ensure this.

11. DURATION AND CONCLUSION

11.1 Until these provisions are completely implemented in compliance with their terms, they will remain in force.

11.2 We reserve the right to stop using the System, the Service, and Your Account, as well as to terminate these Terms of Use in whole or in part:

11.2.1 by giving you notice for any reason at any time;

11.2.2 Regardless of whether you are informed, you shall be automatically terminated if you break any of these Terms of Use. It won't affect our other remedies or rights.

11.2.3 Should a government, court, regulatory body, or other pertinent institution make orders or guidelines that we must follow, or

11.2.4 At our sole discretion, we have the right to suspend or cancel the Service for any cause, whether commercial or not.

11.3 Except for the terms of the applicable clauses and any other parts that are naturally or expressly preserved, the parties shall not be required to carry out any rights or responsibilities under the Terms of Use after they expire. These clauses will be in force even if the Terms of Use are terminated, and they won't affect any party's rights or obligations.

12. THERE IS NO COVERAGE FOR INDEMNITY OR LIABILITY

Recipients

12.1 By signing, you acknowledge that we, our licensors, and the affiliates of each of these parties, as well as their officers, directors, members, employees, and agents, will indemnify and hold harmless you for any claims, costs, losses, liabilities, and expenses (including legal fees and costs) resulting from or connected to:

12.1.1 Any violation of the relevant laws or these conditions of use; and

12.1.2 The way you utilize the system or service, including:

12.1.2.1 Third-party claims resulting from your use of the service or system;

12.1.2.2 Any harm or loss brought on by the purchase, use, or misuse of third-party software, such as operating systems, browsers, and other utilities or programs;

12.1.2.3 any unauthorized access to your account, any deletion or access to your data, or any damage, loss, or destruction of your mobile devices; and

12.1.2.4 Any possible harm or damage brought on by breaking these terms of use. These include, but are not limited to, the submission of false information, the failure of a third party to finish a transaction, and the lack or malfunction of third-party facilities or systems.

Liability Waiver

12.2 If the service is unavailable or interrupted for reasons outside of our control, or if any of your mobile devices malfunction, we will not be responsible for any losses you may sustain. Any commercial or public telecommunications system can fail for a variety of reasons, including force majeure, power outages, bad weather or climatic conditions, mistakes, delays, or system unavailability.

You are aware that your particular needs were not taken into consideration by the application. Therefore, it is your duty to ensure that the features and functionality of the program meet your unique requirements.

12.4 The application is solely intended for individual use. We disclaim all liability for any business disruption, profit loss, or potential loss of business, and the app is not meant for commercial, business, or resale usage. Please keep this in mind.

12.5 You agree that We are not liable for any damages or losses brought on by or connected to:

12.5.1 Any problem or flaw in the application or service that results from the application being altered or changed;

12.5.2 any problem or application error brought on by your disregard for these rules;

12.5.3 You breached Clause 6.

12.5.4 using the system, your mobile device, or the service in a fraudulent or illegal manner; or

12.5.5 You have violated these terms of use as well as any instructions or guidelines we may have given you about how to use the system and service.

12.6 Regardless of the reason, we will not be responsible for any indirect or consequential loss or damage.

12.7 Unless otherwise noted in these terms of use and to the extent allowed by applicable law, our maximum liability with regard to the App, the System, the Service, or these terms of use shall not exceed the transaction fees you pay to us in connection with the first event giving rise to a claim under these terms of use.

12.8 Unless otherwise stated in these Terms of Use, you must provide us notice of any claims you may have against us in relation to the App, the System, the Service, or these Terms of Use within six (6) months of the incidents that gave rise to them. Failure to comply with this claim will result in the forfeiture of all rights and remedies to the fullest extent allowed by law.

12.9 Specifically, we disclaim all obligation for:

12.9.1 Additional uncontrollable problems with the communications infrastructure that may impact the speed and precision of data collected or messages delivered via the service;

12.9.2 If you use a browser, an Internet access service provider, a mobile network service provider, or other third-party software, you can encounter unanticipated delays or losses in the delivery of messages or material that you access.

12.9.3 Malware that, if you use the app, service, or any of its content, could infect your mobile device or other property;

12.9.4 is the improper use or interception of any information or communication, regardless of whether it has already left and arrived at our systems or has been intercepted prior to being placed into the application.

12.9.5 Unless it results from our carelessness, dishonesty, or a breach of the laws protecting your data, any unauthorized use or access to the information we keep about you or your transactions will be allowed to the extent allowed by relevant law.

12.9.6 Data gathered from outside sources.

13. URLs THAT HAVE NOTHING TO DO WITH THE BUSINESS

13.1 References to and links to other mobile applications or websites run and maintained by third parties may be included in the App or the Service. You can get more information about subjects that might interest you by tapping on these links. Any goods, services, information, ideas, or opinions on any third-party website or application that we link to are not supported or promoted by us.

13.2 Regarding the correctness, completeness, reliability, or suitability of the content on any Third-Party Sites or Applications, we make no explicit or implicit guarantees. We cannot ensure that a third-party application or website won't be accused of breaking any laws, including those pertaining to copyright or trademarks. Furthermore, we cannot ensure that third-party websites or programs are virus- or malware-free.

13.3 You are aware that third-party apps and websites might not follow our security guidelines and might have different privacy practices. The decision to use any Third-Party websites or applications, as well as whether to buy or use any advertised or offered goods or services, is entirely up to you.

14. I CONSENT TO GETTING BUSINESS COMMUNICATIONS STARIGHT FROM THE SOURCE

By using the services, you have given us permission to send you direct marketing emails. You can let us know that you would prefer not to receive marketing messages from us by checking the box on the relevant message.

15. RESOLUTION OF DISPUTES

15.1 Unless otherwise required by law in your jurisdiction, these Terms of Use are governed by Ugandan law and are subject to the Data Protection and Privacy Act, 2019. This covers any controversies that might emerge about these terms of use, including claims of infractions or arguments about whether these terms of use or any of its portions are lawful or enforceable. If so, these Terms of Use shall be governed by the laws of Your Territory.

15.2 Any issue, disagreement, or dispute arising from or related to these Terms of Use shall be referred to a single arbitrator for final resolution, unless the parties hereto agree otherwise or as otherwise specified in this document. Alternatively, within seven days of the other party notifying the chairman of the disagreement, either party may make a request to the chairperson of the Uganda Branch ("Institute") of the Chartered Institute of Arbitrators.

15.3 The Ugandan Arbitration and Conciliation Act will regulate the arbitration process in Uganda.

15.4 To the greatest degree feasible, the parties will be bound by the arbitrator's ruling.

15.5 Until the arbitrator's final ruling or award, neither party may seek interim remedies or preliminary injunctive relief in a court of competent jurisdiction.

16. IN SUMMARY

16.1 Any delays or performance problems resulting from circumstances outside of our reasonable control will not be our responsibility.

16.2 Please do not share any sensitive information with affiliates, clients, customers, suppliers, or anybody else involved in the commercial affairs or operations of our firm.

16.4 At our sole discretion, we reserve the right to change these Terms of Use. You do, however, understand that it is your responsibility to regularly examine the Terms of Use. You will be considered to have agreed to the aforementioned changes if you keep using the system and service.

16.5 A cumulative, non-exclusive list of rights and remedies is granted to each party under these Terms of Use. They have to be renounced clearly and in writing. A right is not always seen as relinquished if it is not immediately exercised.

16.6 Both parties have read, comprehended, and agreed to the contents of these Terms of Use. Any earlier understandings or agreements pertaining to this subject are considered to be void. Furthermore, any implied claims of authenticity have now been withdrawn by the parties. Unless otherwise specified in these Terms of Use or as required by applicable law, the parties did not enter into these Terms of Use relying on any statement, representation, guarantee, understanding, undertaking, promise, or assurance of any individual. Each party immediately and unconditionally forfeits all existing claims, rights, and remedies with regard to any of the above listed subjects. Liability for fraud or any other liability governed by relevant law is not limited or excluded by these Terms of Use.

16.7 Without our prior written agreement, you are not permitted to assign, sublicense, transfer, sublet, or otherwise dispose of any of your rights or obligations under these Terms of Use. Unless otherwise required by relevant law, we reserve the right to assign, sublicense, transfer, sublet, or otherwise manage our rights or responsibilities under these Terms of Use at any time, without prior notice or consent.

16.8 Even if a court or other suitable authority finds that any part of these Terms of Use is illegal, null and void, or unenforceable under applicable law, they will nevertheless be in full force and effect. To the greatest degree feasible, a legally binding, enforceable clause will take the place of the relevant portion of these Terms of Use.

16.9 Those who do not interact with these Terms of Use are not subject to the obligations stated in them.

16.10 You can send a generic message to the email address you have provided in your account, or you can publish it on the application or system. Please email help-customer@modoscore.com to let us know.

16.11 You can contact help-customer@modoscore.com with complaints and ideas about the system and service.

17. ACTION REQUIREMENTS FOR CLIENTS

Confidentiality, Data Security, and Privacy

Protecting our clients' data should be our first priority. To ensure the security of the data we get from our customers, we have put in place administrative, electronic, and physical security measures.

We pledge to take all appropriate precautions to protect the privacy of any information we learn or come across while delivering our services. Unless required by law, the general public, or the terms of our license, the information will not be shared, made available to third parties, or used for any purpose other than the development of our service.

We are allowed to gather and keep personal information in order to make sure that we only speak with those who are authorized to respond to questions, issues, and requests and to deliver first-rate customer support.

18. AVOID PARTICIPATION IN TELEPHONE SALES

18.1 Unless otherwise noted, we shall not take part in telemarketing campaigns that are not specifically requested. The following protocols are put into practice:

18.1.1 The precise goal needs to be stated right at the beginning of the letter.

18.1.2 Find out where the communication came from and whether it came from us.

18.1.3 Give a thorough description of any goods or services that are discussed in the letter.

If the goods or services have not been delivered and used within seven days of the notification, the recipient may end the contract by calling the customer support hotline. During the call, the licensee must tell the recipient this information.

18.2 Regardless of whether they were discussed at the time the services contract was signed or later, we will abide by the client's "call" or "do-not-call" requests as well as any additional rules or instructions that may be regularly provided by any other pertinent institution.

18.3 Verify that, without referring to this section's first section:

Customers are never offered voice calls or short messaging services without their permission.

Consumers are required to regularly accept or reject unsolicited phone calls or short messaging services.

Customers can now choose the type of unsolicited messages or services they want to get, as well as whether they want to receive unsolicited voice calls or brief message services, thanks to the streamlined procedures.

19. THE COMPLAINT FILING PROCEDURE

We guarantee that customers will not be deterred from filing complaints by the processes they have put in place for receiving and addressing them. Please email us at help-customer@modoscore.com with any questions.

20. RESPONSIBILITIES OF THE CLIENT

If a customer presents a signed service agreement or any other clear indication, they are liable for the terms of service.

Since we have given them enough information to verify their consent, customers will be deemed to have accepted our terms of service when they begin using our services.