Terms of Service

The agreement between your business and us for using this app.

Last updated 4 October 2026 · Version 1.7

Who this is between

This is an agreement between Tizak Software Solutions (“we”, “us”) and the business that installs and uses Akasente (“you”). By registering a business, signing in, or letting your staff use the app, you accept these terms on behalf of that business, and you confirm you are allowed to.

The Privacy Policy is part of this agreement. If you do not accept both, do not use the app.

What this app is, and what it is not

This app is a record-keeping tool for a lending business. It is a ledger, a receipt book and a set of reports that happen to run on a phone.

When the app shows an amount as collected, disbursed or handed over, it is reporting what your staff told it. It is not a confirmation that money moved.

Your licence to use it

We grant you a personal, non-exclusive, non-transferable licence to install and use the app on phones belonging to your business, for your own business, for as long as this agreement lasts. We keep ownership of the app itself, its design and its name.

You may not sell, rent, sub-licence or pass the app off as your own, and you may not take it apart to rebuild a competing product, except to the extent Ugandan law says you may despite this sentence.

Registration, activation keys and staff accounts

Registering a business asks you to confirm a phone number by SMS, then to enter an activation key. A key licenses one business. Sharing a key, or using one issued to somebody else, ends this agreement.

The owner creates every officer and cashier account. That makes the owner responsible for who has an account, what they can see, and removing access when somebody leaves, the app lets you block a person's sign-in, and you should, the day they stop working for you.

Keep passwords to yourself. Everything done with an account is treated as done by the person it belongs to, which is exactly what makes the day's cash reconcile. If somebody forgets theirs, set them a new one from Team rather than lending them yours.

You can set your working days and hours, and you can switch on a setting that stops field officers opening the app outside them. If you use it, it is your rule and your responsibility, not ours: employment law, working time and how you pay people for hours worked are between you and your staff. The app keeps a record of anyone let in outside those hours so you can see it.

It is a convenience, not a control. It reads the clock on the officer's own phone. Do not rely on it to secure money, records or anything else.

What you must not use it for

• Lending without whatever licence or registration Ugandan law requires of you.
• Recording details about people who have not been told you are recording them.
• Threatening, shaming or harassing a borrower, their guarantor, their family or their employer.
• Contacting a borrower's guarantor or next of kin for anything other than the purpose they agreed to.
• Charging interest, fees or penalties you did not disclose to the borrower in writing before they signed.
• Entering figures you know to be wrong, or altering a record to hide a shortfall.
• Anything unlawful, or anything that would break the rules of Google Play or the App Store.

We may end your licence if you do any of these. We are not the police and we cannot see your records, but where we are told and can act, we will.

The law you have to follow

Using this app does not license your business. Depending on what you do, you may need to be registered or licensed under the Tier 4 Microfinance Institutions and Money Lenders Act, 2016 and supervised by the Uganda Microfinance Regulatory Authority. You are responsible for knowing which rules apply to you, for the interest and charges you set, and for how you go about collecting a debt.

You are also responsible for handling your customers' personal data lawfully. See the Privacy Policy for how that duty falls on you rather than on us.

Your records, and what a backup is not

The app writes everything to the phone first, and syncs it to the database we run for your business. That sync is what lets a colleague's handset show the same book, and it will usually survive one lost phone, but it is not a backup service and we do not offer it as one.

We cannot restore what never reached the server: anything recorded on a phone that was lost, reset or uninstalled before it next had signal is gone. Nor can we undo a deletion you asked for, the “Erase this phone's data” button and a request to delete your business both do what they say.

Keeping your records is your job. Print or export what matters rather than relying on us to still have it.

Fees

Where a licence fee or subscription applies, it is quoted to you before you pay and is the fee for that period. Store purchases, if any, are billed by Google or Apple under their own terms, and refunds for those go through them.

What we promise, and what we do not

We will make a reasonable effort to keep the app working and to fix what is broken. Beyond that, the app is provided as it is. We do not promise it will be free of faults, that it will suit your particular way of working, or that it will run on every phone.

The figures on the screen are arithmetic performed on what your staff entered. They are not audited accounts and not financial, legal or tax advice. Check them before you rely on them for anything that matters.

Limits on what we owe you

To the fullest extent Ugandan law allows, we are not liable for lost profits, lost business, lost or corrupted records, money a borrower did not repay, or any indirect loss arising from your use of the app.

Where we are liable, our total liability is limited to the fees you paid us for the app in the twelve months before the claim arose, or UGX 500,000 if you paid nothing. Nothing here limits liability that cannot lawfully be limited.

If your use of the app causes a claim

You will cover us against claims, losses and reasonable legal costs arising from the way your business used the app, including a claim by one of your customers about their loan, their money or their personal data.

Ending this agreement

You end it by uninstalling the app. We may end it if you break these terms, if your licence expires, or if we stop publishing the app, in which case we will give you what notice we reasonably can so you can get your records out.

When the agreement ends, your licence ends. Your records stay on your phone until you remove them.

If you installed this from the App Store

This agreement is between you and us, not between you and Apple, and we alone are responsible for the app and its content. Apple has no obligation to provide support or maintenance for it.

If the app fails to conform to any warranty that applies, you may tell Apple and Apple will refund the purchase price; to the extent the law allows, Apple has no other warranty obligation at all. We, not Apple, handle any claim that the app is faulty, fails to meet a legal requirement, or infringes somebody's intellectual property, and any claim under consumer protection or privacy law.

You confirm you are not in a country subject to a United States embargo or listed by the United States as a prohibited party, and that you will follow any third-party terms that apply. Apple and its subsidiaries are third-party beneficiaries of this agreement and may enforce it against you.

If you installed this from Google Play

Google is not a party to this agreement and is not responsible for the app. Google Play's own terms govern the download itself, and where they conflict with this agreement on that narrow point, they win.

Changes to these terms

We may update these terms as the app changes. The date at the top says when they last moved. A material change is shown to you in the app; carrying on using it after that is how you accept it. If you do not, uninstall.

Governing law

The laws of Uganda govern this agreement, and any dispute goes to the courts of Kampala, Uganda. If one clause turns out to be unenforceable, the rest still stands.

Contact

Tizak Software Solutions, support@tizaksoftware.com.