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Terms of Use

Terms of Use

Below are the JUMO World Website’s terms and conditions that apply when you access and use the JUMO World Website (“Site”). These Terms of Use apply between you and JUMO World Limited (registration number 095315) and any of its affiliated companies (“JUMO”, “we”, “our” or “us”) along with the other legal documents that govern the Site, being the Privacy Policy and Cookie Policy

Important information

  • Use of the Site. These Terms of use apply to your use of the Site. This includes the Site itself and its content (including the text, images and other information on the Site. By accessing the Site you agree to be bound by the Terms of use.
  • Legal agreement. You agree to be legally bound by the Terms of Use by visiting and using the Site. You may not use the Site and must immediately stop doing so if you do not agree to the Terms of Use.
  • Product and Platform terms. Separate terms apply to our products and services and if you use our products or services these will apply to you. We will make them available to you when you take up a product with us.
  • Changes to the Terms of Use. We may change these terms at any time without notice by updating this posting and by continuing to access this Site you accept such changes.

Use of and access to the Site

  • Information on the Site. The information held on this Site is for your personal, non-commercial use only. You may not transmit, modify, copy or make commercial use of the Site or any part of it without our prior permission. The intention behind the Site is to give you information about JUMO.
  • Non-commercial use. You may download and/or print out all or part of the Site for your own personal, non-commercial use. Any reproduction of the content on the Site must include the relevant copyright notice.
  • We grant you a limited license to use the Site. We may cancel your license at any time for any reason. Your license is automatically cancelled if you do not get our written permission before using this Site in a way these Terms of Use do not allow.
  • While we try to ensure that access to the Site is always available. We may change, suspend or discontinue the Site or any part of it, without notice. The Site or any part of it may not always be available.
  • Taking away access. We may take away your rights to use the Site or the content for any reason, without notifying you.
  • If you breach the Terms of Use or infringe any other person’s rights (including copyright), we may cancel your license, block you from using the Site, claim specific performance or damages against you, and take any other steps the law allows, without affecting our rights.

Prohibited Use

You are not allowed to:

  • introduce any materials that are designed to hamper the operations of the Site or its content;
  • damage, disable, overburden, impair, or gain unauthorized access to the content or the Site;
  • remove, modify, disable, block, obscure or otherwise impair any advertising displayed on, or used in connection with the Site;
  • use the Site or the content to advertise or promote products or services that we have not expressly approved in writing in advance;
  • interfere with anyone else’s use and enjoyment of the Site;
  • attempt to discover or reverse engineer the source code and other materials forming part of the technology used to provide the Site or forming part of the content;
  • receive or charge money, favours or other consideration for allowing any other person to use or access the Site or the content.
  • do anything that violates any of these Terms of Use;
  • do anything which is illegal, fraudulent or violates or infringes any rights, title or interest (including, any intellectual property rights) in or to this Site or its content;
  • deep link (link to any page other than the home page of this Site) or link in any way that could suggest that we endorse or support you or a third party, or that you have any rights in our Site or intellectual property, without our permission;
  • remove, disable, bypass, or circumvent any protection mechanisms or access control mechanisms on the Site;
  • use any technology (including spiders, crawlers, bots, and similar virtual agents) to search or gain any information from this Site, without our permission;

Intellectual property rights

  • Ownership. Unless otherwise provided, we are the owner or licensee of all copyright, trademarks and other intellectual property rights in and to the Site.
  • Your rights. Your rights to use the Site and its content are limited to those that we give to you in the Terms of Use.
  • No license for use. We do not grant you any licence or right to use any of our trademarks or other intellectual property on this Site by virtue of your use of or access to the Site.
  • Restrictions. Except as expressly permitted under the agreement, the website and its content may not be:
    • modified or used to make derivative works;
    • rented, leased, loaned, sold or assigned;
    • reverse engineered or copied; or
    • reproduced or distributed.
  • Proprietary notices. You may not remove any copyright, trademark or other proprietary notices from the content.
  • Requested cease of use. You must stop using our trademarks or other content immediately if we ask you to do so.

Third party websites and material

  • No endorsement. Where we provide hypertext links to third-party internet websites, these are not an endorsement by us of any products or services in such websites and we have not verified the truth or accuracy of any content of such websites. You use such links entirely at your own risk and we accept no responsibility or liability for the content, use or availability of such websites.
  • Third party material. This Site may also contain material provided by third parties and we accept no responsibility or liability for the accuracy of such material.
  • No linking without consent. You are not permitted to link any other website to this Site without obtaining our prior written consent.

Sharing content and social networks

Certain pages on the Site may allow you to share content via your profile on various social networks and other shared content platforms. When you share content in this way you also become subject to terms, conditions and policies of those third parties.

Privacy

You may access most areas of the Site without registering your details with us and without us recording any of your personal information; however certain areas of the Site may require you to register. If you submit an application to have access to these areas, you are indicating that you have read our Privacy Policy and are willing for us to deal with your personal data as set out in that policy.

Internet communications

We may monitor all internet communications, including web and email traffic into and out of our domains for security, ensuring compliance with these Terms and detecting fraud and other crimes.

Limits to our rights and responsibilities

  • Own risk. We provide the website “as is”. We do not give any express or implied warranty or make any other promise about this Site.
  • Do not rely on the Site content. Although we have taken all reasonable care to ensure that the information provided on this Site is accurate, we give no warranties with regard to the accuracy, timeliness or completeness of any information.
  • No responsibility. We accept no liability related to your use or inability to use the Site, or in connection with any error, omission, defect, computer virus or system failure, or in connection with the access of, use of, performance of, browsing in or linking to other websites from this Site.
  • You indemnify (or promise to protect) us against any claim, demand, loss, damage, cost, or liability (including reasonable attorneys’ fees) related to your use of this Site.
  • Indirect damages.We will never be responsible for any indirect or consequential damages or losses, even if we should have foreseen them. These may include any loss of profit, loss of goodwill, loss of use or damages related to lost or damaged data.

Governing law

The laws of South Africa govern these Terms and you agree that the South African courts shall have exclusive jurisdiction to determine any matter or dispute in connection with or arising out of this Site.

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Bradwin Roper

A visionary leader inbanking, fintech and telecommunications. Bradwin has 17 years of diversified experience across these sectors and is renowned for his strategic vision, financial acumen, and leadership.His proficiency in engaging with stakeholders at multiple levels has consistently resulted in delivering impactful outcomes in complex scenarios.
We're committed to building financial tools that are not only fast and accessible, but also personalised and responsible.
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Joe Mucheru

 

Joe was the former Kenyan Cabinet Secretary in the Ministry of ICT, Innovation and Youth Affairs, appointed by then President of Kenya, Uhuru Kenyatta. He held office from 2015 to 2022. He brings a wealth of government experience and in-depth knowledge of pan-African tech to the JUMO executive team and board. Joe was also previously the head of Sub-Saharan Africa (SSA) for Google, based in Nairobi, serving as Google’s first SSA employee. He joined Google in 2007 where he led the delivery of strategy, business planning and operations and was key to setting up Google’s presence on the continent.

Organisations like JUMO have never been more important for protecting livelihoods, facilitating financial inclusion, and driving economic growth.
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Fábio Matos

Fábio has worked in systems and software development for over 14 years. His tech leadership experience covers e-commerce and banking. He helped build the engineering team for neobank N26, and is building a world-class, compliant and scalable platform for JUMO.
JUMO has built a strong technology base with new features and functionality constantly on the horizon. We are ready for whatever comes our way.
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Paul Whelpton

Prior to joining JUMO, Paul spent seven years in various senior roles running analytics teams at Standard Bank. He was most recently the executive responsible for product and pricing across the South African business. Paul’s banking experience spans retail, business and commercial with a specific focus on generating profit from data and analytics. He holds a BCom from the University of Pretoria, an MBA from Gordon Institute of Business Science, and is a graduate of Harvard Business School.

JUMO is an information enablement company that’s creating value for partners, and ordinary people. Customers can access credit in real time at a low cost of risk.
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Susie Squire

Susie joined JUMO after five and a half years at Woolworths Holdings Limited, where she was Group Head of Communications. Before joining Woolworths, she was the Press Secretary to the British Prime Minister, David Cameron, and was responsible for coordinating cross government communications and campaigns. Before that, Susie was at the Department for Work and Pensions, working as part of a team that oversaw wholesale reform of the welfare system. Susie has over 12 years’ international communications and corporate affairs experience spanning markets across Africa and Europe.

We have an unmatched ability to serve high quality, low cost financial products to customers at scale in emerging markets.
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Andrew Watkins-Ball

Andrew started his career as an entrepreneur before joining Salomon Brothers, working in London and New York. After seven wonderful years, he moved back to focus on building businesses within the Technology sector. Andrew’s passion, which ultimately led to him founding JUMO, is to find capital and put it to work to create products, jobs, opportunities and growth. Since 2015, Andrew has been leading JUMO’s mission to enable the world’s unbanked entrepreneurs access to the financial services they need to grow and prosper.

Everyone should have access to the best financial choices. We’ve built the brain and pipes that hold and carry information for banking systems.
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Michael Ball

Michael has over 20 years’ experience in CFO roles and a successful track record for building scale and value. He is recognised industry-wide for operational efficiency, business transformation, liquidity management, financial structuring, refinancing and IPO preparation and execution. During his previous tenures as Group CEO for Zepz/WorldRemit and Sysco, his financial responsibilities also included strategy and M&A. Michael lives in North London with his wife, Eloise, young daughter, Amelie and two dogs. He likes to keep fit, plays very average golf and is a season ticket holder at Manchester United.

JUMO is powering growth by constantly building scale and value.
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