01. Information you provide us We shall not share Account Information and transaction information, including your name, the amount, and a description except in accordance with our Privacy Policy and cookies policy. By providing us with a mobile number, you consent to receiving text (SMS) messages from us. If you provide us with the mobile number of any other person or entity when initiating or requesting a payment through the Service, you represent and warrant to us that the person or entity has consented to receive text messages from us related to that payment. Standard text messaging rates may apply based on your plan with your mobile carrier.

02. Accounts You shall need to open a Flip Masters Account to be able to have access to Our Application (including the ability to transact with us) A User may not create an Account if they are under Eighteen (18) years of age. If a user is under Eighteen (18) years of age and wishes to use the parts of Our Application that require an Account, a parent or guardian should create the Account for him or her in their names and the User must only use the Account with their supervision. When creating an Account, the information a User provides must be true, accurate and complete. We shall rely on any information provided by a User as the true account of such information. If any of the information changes at a later date, it is the User’s responsibility to ensure that the Account is kept up-to-date. If a User believes their Account is being used without their permission, please contact Us immediately on the FLIP MANSTERS AFRICA h Limited Customer Care email at support@flip-masters.com . We will not be liable for any unauthorised use of any Account. A User must not use anyone else’s Account without the express permission of the User to whom the Account belongs. Any personal information provided in a User’s Account will be collected, used, and held in accordance with the rights and obligations under the law. A User who wishes to close an account may do so at any time. Closing an Account will result in the removal of a User’s information on the Application as far as can be ascertained. Closing an Account will also remove access to any areas of Our Application requiring an Account for access. When an account is closed, any reviews or comments created on Our Site will be anonymised by removing the username. When you sign up for FLIP MANSTERS , you represent that you own the email and or mobile phone number that you register for an account with, and consent that these shall be verified by the relevant telecommunications company and subject to supervision by Uganda Communication Commission. Please let us know if you believe there is an unauthorised transaction on your Account. This can be through telephoning us on __ and if you fail to do so, we shall not be liable for your FLIP MANSTERS money that is lost in this an authorised transaction. An “unauthorised transaction” occurs when money is sent from your Account that you did not benefit you. For example, if someone steals your password, uses the password to access your account, and sends a payment from your account, an unauthorised transaction has occurred. However, there are certain transaction not considered as unauthorised such as if you give someone access to your account by giving them your account details and they use your account without knowledge or permission, unless you have notified us that transfers by that person are no longer authorised. If you act with wilful deceit and the intent to defraud, then such a transaction cannot be considered as authorised on your platform. The User is obligated to manage their account details in a secure and confidential manner and is responsible for ensuring that they do not disclose such information or make it available to third parties. If such information is used by unauthorised persons, FLIP MANSTERS AFRICA Limited shall not be liable for any damages or losses caused thereby. FLIP MANSTERS AFRICA Limited reserves the right to suspend account services or payments at any point. FLIP MANSTERS AFRICA Limited shall at any time suspend account services without notice to the user where there is any indication of fraudulent or suspicious activity on the user account. The User is obligated to notify FLIP MANSTERS AFRICA Limited Customer Care without delays of any suspicious activity on his/her account that may lead to damage or loss. Please call us as soon as you detect any errors on your account. We allow you to report an error until 30 days after the date you electronically access your account, if the error could be viewed in your electronic history. You may need to provide us with your name, username, account number, the amount of Uganda shillings involved, and other relevant details in order to attempt to rectify the error. We may request you to send us your complaint in writing within 5 business days. We will determine whether an error occurred within 10 business days after we hear from you and will attempt to rectify it as soon as possible. If your complaint needs further investigations, we may take up to 60 days to investigate your complaint or question. If we ask you to put your compliant or question in writing and you do not do so, we may not consider your complaint. For the purpose of such investigations, our business days are Monday through Friday 10am-4pm.

03. Intellectual Property Rights With the exception of user content, all Content included on our site and the copyright and other intellectual property rights subsisting in that content, unless specifically labelled otherwise, belongs to or has been licensed by us. All content is protected by applicable Uganda and international intellectual property laws and treaties. You may not reproduce, copy, distribute, sell, rent, sub-license, store, or in any other manner re-use content from our application unless given express written permission to do so by us. A User may: Access, view and use Our Application in a web browser (including any web browsing capability built into other types of software or app); Download Our Application (or any part of it) for caching; Print one copy of any page(s) from Our Application; Download extracts from the pages on Our Application; and Save pages from Our Application for later and/or offline viewing. Our status as the owner and author of the Content on Our Application (or that of identified licensors, as appropriate) must always be acknowledged. A User may not use any Content saved or downloaded from Our Application for commercial purposes without first obtaining a licence from Us (or our licensors, as appropriate) to do so.

Changes To The Terms Disclaimers Nothing on Our Website or Applications constitutes advice on which a User shall rely. It is provided for general information purposes only. FLIP MANSTERS AFRICA Limited as is permitted by law, we make no representation, warranty, or guarantee that Our Application will meet your requirements, not infringe the rights of third parties, be compatible with all software and hardware, or that it be secure. We make reasonable efforts to ensure that the Content on Our Application is complete, accurate, and up-to-date. We do not, however, make any representations, warranties or guarantees (whether express or implied) that the Content is complete, accurate, or up-to-date. Please note that this exception does not apply to information concerning services for sale through Our Site. Additional Terms Acceptable Usage Policy A User may only use Our Application in a manner that is lawful and that complies with the provisions of this Clause 12. A User must ensure that he or she complies fully with any and all local, national and/or international laws and/or regulations; A User shall Not use Our Application in any way, or for any purpose, that is unlawful or fraudulent or for any purpose, that is intended to harm any person or persons in any way. We reserve the right to suspend or terminate access to Our Application if a user is in material breach of the provisions of this Clause 12 or any of the other provisions of these Terms of Use. Specifically, we may take one or more of the following actions: suspend, whether temporarily or permanently, your Account and/or your right to access Our Site; remove any User Content submitted by a User that violates this Acceptable Usage Policy; issue you with a written warning; take legal proceedings against you for reimbursement of any and all relevant costs on an indemnity basis resulting from your breach; take further legal action against you as appropriate; disclose such information to law enforcement authorities as required or as We deem reasonably necessary; and/or any other actions which We deem reasonably appropriate (and lawful). We hereby exclude any and all liability arising out of any actions (including, but not limited to those set out above) that We may take in response to breaches of these Terms of Use. If your Legitimate Credit Account or your debit card account number changes or the expiration date changes, we may acquire that information from our financial services partner and update your Account accordingly. Termination FLIP MANSTERS AFRICA Limited may terminate, close, or suspend your Account or use of the service at any time for any reason. Any such termination does not relieve you of any of your obligations toFLIP MANSTERS AFRICA Limited under Cash Terms and any amounts owed to us as provided in these Cash Terms, the General Terms, or any other agreement you have with us. We will not be responsible for any loss, damage, harm or consequences, including any delay or inconvenience you may suffer as a result of our exercise of our rights under this section. Any pending transactions at the time of termination, closure, or suspension of your Account will be settled. Any funds that we are holding in custody for you at the time of termination, suspension, or closure of your Account, less any applicable fees, may be made available for you to cash out in FLIP MANSTERS AFRICA’s discretion and subject to the other conditions in these Terms. If an investigation is pending at the time of closure, we may hold your funds until resolution of the investigation. If your Account is inactive for an extended period of time it may be deemed “unclaimed” or “abandoned” under Ugandan law. If this occurs,FLIP MANSTERS AFRICA Limited will provide you with notice as required by applicable law. If funds still remain in your Account, FLIP MANSTERS AFRICA Limited will escheat such funds as required by applicable law. Communications from Us If We have a User’s contact details (if, for example, a User has an Account), We may from time to time send you important notices by email or pop up during the use of Our Application. Such notices may relate to matters including, but not limited to, service changes, changes to these Terms of Use, Our Terms of Sale, and changes to your Account. For questions or complaints about communications from Us, please contact Us at support@flip-masters.com. Law and Jurisdiction If a User is a consumer, any dispute, controversy, proceedings or claim between him or her and Us relating to these Terms and Conditions, or the relationship between him or her and Us (whether contractual or otherwise) shall be subject to the jurisdiction of the courts of the country in which the Application is licenced and in which the goods or services available in the Application are provided. If a User is a business, any disputes concerning these Terms and Conditions, the relationship between the User and Us, or any matters arising therefrom or associated therewith (whether contractual or otherwise) shall be subject to the jurisdiction of the courts of the country in which the Application is licenced and in which the goods or services available in the Application are provided. Legal Compliance FLIP MANSTERS AFRICA Limited may freeze, withhold, or remit funds in your Account in response to a court order, garnishee or search warrant from a government authority, including tax levies. You authorize FLIP MANSTERS AFRICA Limited to recover funds from you in accordance with these Service Terms and any other agreement you have with us, including if you owe amounts to us or for reason of fraud or illegal activity. You authorize FLIP MANSTERS AFRICA to debit, charge, setoff against and otherwise recover funds from your Account, any Eligible Transaction Account, any connected FLIP MANSTERS AFRICA Account, any Balance (as defined in the Payment Terms) if applicable, and any payment instrument, linked bank, depository and other account registered in your Account. This authorization will remain in full force and effect until the later of closure or termination of your Account, or the disbursement of all funds held on your behalf. FLIP MANSTERS AFRICA Limited may limit the funding sources available for a specific transaction at any time in its sole discretion and you agree that you are independently responsible for complying with all applicable laws in all of your activities related to your use of the Service and for all communications you send through the Service. We reserve the right to block, refuse, or reverse any transaction, in our sole discretion. We will notify the affected parties promptly if we decide to do so, but notification is not required if the transaction is prohibited by these terms or applicable law. Neither we nor third parties to whom we assign or delegate rights or responsibilities will be liable for any claims or damages resulting from prohibited transactions. Each of your external funding sources may have different dispute resolution rights and procedures in the event your transaction turns out to be unsatisfactory (if, for example, you are disputing charges on your account). Your dispute resolution rights are determined by the funding source used to fund the applicable transaction. Please consult the terms and conditions of such funding source for more detail. You may be asked to provide certain information used to assist FLIP MANSTERS AFRICA Limited in complying with its obligations under Uganda Revenue Authority and by providing FLIP MANSTERS AFRICA Limited with this information you are certifying that the information provided is true and accurately reflective of your use of the Service.