• TUMA: The cross-border remittance application operated by Money Transfer International Ltd
• User: Any individual who uses TUMA.
• Service: The remittance service provided by TUMA.
• Transaction: The act of sending money through TUMA.
• Linked Bank Card: A bank card linked to the user's TUMA account for transactions.

Users must be at least 18 years old and possess the legal capacity to enter into contracts. Users must comply with all applicable laws and regulations.

• Users must register: for an account to use TUMA.
• Users must provide: accurate and complete information during registration.
• Users are responsible: for maintaining the confidentiality of their account information.

• Users may use TUMA: to send money from the UK to Kenya by linking their bank cards.
• Users must ensure: sufficient funds are available on their linked bank cards.
• TUMA is not responsible: for any delays or failures in transactions due to insufficient funds or incorrect details provided by the user.

• TUMA charges a fee: for each transaction. The fee structure is available on our website and within the app.
• Users agree: to pay all applicable fees for using the Service.

• TUMA may impose limits: on the amount of money that can be sent in a single transaction or within a specific period.
• Users will be notified: of any applicable limits before completing a transaction.

• TUMA uses industry-standard security measures: to protect user data and transactions.
• Users must safeguard: their account credentials and notify TUMA immediately of any unauthorized access or security breaches.

• TUMA complies with all relevant anti-money laundering (AML) and counter-terrorism financing (CTF) regulations.
• Users agree to provide: any information required for compliance purposes.

• TUMA is not liable: for any direct, indirect, incidental, or consequential damages arising from the use of the Service.
• TUMA'stotal liability to a user for any claim arising from the use of the Service is limited to the amount of fees paid by the user in the past six months.

• TUMA reserves the right to terminate or suspend a user’s account at any time for any reason, including but not limited to violation of these terms and conditions.
• Users may terminate their account by contacting TUMA support.

• TUMA reserves the right to modify these terms and conditions at any time.
• Users will be notified of any changes, and continued use of the Service constitutes acceptance of the modified terms.

These terms and conditions are governed by the laws of the United Kingdom. Any disputes arising from the use of TUMA will be subject to the exclusive jurisdiction of the courts in the United Kingdom.