Terms & Conditions

1. Introduction

Welcome to Muhas Money Link ("Muhas Money Link," "the Company," "we," "our," or "us"). These Terms and Conditions ("Terms") govern your access to and use of our website, mobile applications, and money transfer services. By accessing our website or using our services, you agree to comply with these Terms.

Muhas Money Link provides domestic and international money transfer services in accordance with applicable laws, regulations, and licensing requirements. These Terms are designed to protect both our customers and the integrity of our services.

If you do not agree with these Terms, you should not use our website or services.

2. Eligibility

To use Muhas Money Link's services, you must:

• Be at least 18 years of age or the legal age required to enter into a binding contract in your jurisdiction.
• Have the legal capacity to enter into financial transactions.
• Provide accurate, complete, and current information.
• Comply with all applicable laws and regulations.

Muhas Money Link reserves the right to refuse service where eligibility requirements are not met.

3. Our Services

Muhas Money Link offers money transfer and related financial services, which may include:

• Domestic money transfers.
• International money transfers.
• Cash payout services.
• Bank account transfers.
• Mobile wallet transfers (where available).
• Foreign exchange services, where applicable.

The availability of services may vary depending on the destination country, regulatory requirements, and operational limitations.

4. Customer Responsibilities

By using our services, you agree to:

• Provide truthful and accurate information.
• Present valid identification documents when required.
• Ensure that recipient details are accurate before submitting a transaction.
• Safeguard your transaction reference numbers and other confidential information.
• Notify Muhas Money Link immediately if you become aware of any unauthorized use of your account or suspicious activity.

Customers are responsible for any losses resulting from inaccurate information they provide.

5. Customer Identification and Verification

To comply with Anti-Money Laundering (AML), Counter-Terrorist Financing (CFT), and other legal obligations, Muhas Money Link may require customers to:

• Present valid government-issued identification.
• Provide proof of address where necessary.
• Provide information regarding the source of funds or purpose of the transaction.
• Submit additional documentation for higher-risk or high-value transactions.

Muhas Money Link reserves the right to delay or refuse transactions until verification requirements have been satisfied.

6. Transactions

All transactions are subject to:

• Identity verification.
• Regulatory compliance checks.
• Sanctions screening.
• Fraud prevention controls.
• Operational availability.

A transaction is considered complete once the funds have been successfully paid to the intended recipient or credited to the designated account.

Muhas Money Link does not guarantee that all transactions will be completed within a specified timeframe, as delays may occur due to compliance reviews, banking processes, technical issues, or circumstances beyond our control.

7. Fees and Exchange Rates

Applicable service fees and exchange rates will be disclosed before a transaction is confirmed.

Exchange rates may change without prior notice based on market conditions.

Customers acknowledge that:

• Exchange rates offered by Muhas Money Link may differ from publicly quoted rates.
• Fees are generally non-refundable once a transaction has been processed, except where required by law or company policy.

8. Prohibited Transactions

Customers must not use Muhas Money Link services for unlawful or prohibited purposes, including but not limited to:

• Money laundering.
• Terrorist financing.
• Fraud or identity theft.
• Human trafficking.
• Drug trafficking.
• Corruption or bribery.
• Tax evasion.
• Transactions involving sanctioned persons or entities.
• Any activity prohibited by applicable law.

Muhas Money Link reserves the right to refuse, suspend, delay, or cancel any transaction suspected of involving illegal activity.

9. Anti-Money Laundering and Compliance

Muhas Money Link is committed to maintaining effective AML/CFT controls. We may monitor transactions, conduct customer due diligence, and report suspicious activities to the appropriate authorities as required by law.

Customers acknowledge that Muhas Money Link may request additional information to satisfy regulatory obligations and may decline transactions that do not meet compliance requirements.

10. Privacy and Confidentiality

Muhas Money Link values your privacy. Personal information collected through our website and services is handled in accordance with our Privacy Policy.

While we take reasonable measures to safeguard your information, customers are also responsible for protecting their own login credentials and personal information.

11. Intellectual Property

All content available on the Muhas Money Link website, including text, graphics, logos, trademarks, software, images, and other materials, is the property of Muhas Money Link or its licensors and is protected by applicable intellectual property laws.

Users may not copy, reproduce, modify, distribute, or use any content without prior written permission.

12. Website Use

Users agree not to:

• Attempt unauthorized access to our systems.
• Introduce malicious software or viruses.
• Interfere with the operation or security of the website.
• Use automated tools to extract website content without authorization.
• Engage in activities that could disrupt our services.

Violation of these provisions may result in suspension of access and legal action where appropriate.

13. Limitation of Liability

To the fullest extent permitted by law, Muhas Money Link shall not be liable for indirect, incidental, consequential, or special damages arising from:

• Delays caused by financial institutions or payment partners.
• Technical failures beyond our reasonable control.
• Incorrect information provided by customers.
• Force majeure events, including natural disasters, civil unrest, cyberattacks, or government actions.

Nothing in these Terms excludes liability that cannot lawfully be excluded.

14. Suspension or Termination of Services

Muhas Money Link reserves the right to suspend, restrict, or terminate access to its services where:

• Fraud is suspected.
• False information has been provided.
• Regulatory requirements require action.
• Customers violate these Terms.
• Continued service presents legal, operational, or reputational risk.

Where appropriate, affected customers will be informed of the reason for the action, subject to applicable legal restrictions.

15. Complaints

Customers who are dissatisfied with our services may submit complaints through our official customer service channels.

Muhas Money Link is committed to investigating complaints fairly and responding within a reasonable timeframe.

Where a complaint cannot be resolved internally, customers may have the right to escalate the matter to the appropriate regulatory or dispute resolution body, where applicable.

16. Changes to These Terms

Muhas Money Link reserves the right to amend these Terms at any time to reflect changes in law, regulation, technology, or business operations.

Updated Terms will be published on our website, and the revised version will become effective on the stated effective date.

Continued use of our services after changes are published constitutes acceptance of the updated Terms.

17. Governing Law

These Terms and Conditions shall be governed by and interpreted in accordance with the laws of The Republic of The Gambia.

Any disputes arising from these Terms shall be resolved through the competent courts or other dispute resolution mechanisms provided by applicable law.