Terms of Service

These Terms of Service (“Terms”) govern your use of Equb Manager, including its website, mobile application, agent portal, administrative services, and related features.

By registering for an account or accepting these Terms during signup, you agree to them. You must be at least 18 years old to use the service.

Equb Manager is operated by MHCDA currently being established in Ethiopia. The operator's legal details will be updated once confirmed. If you do not agree to these Terms, do not use the service.

Equb Manager is a record-management and organization platform for Equb groups. Features may include: Managing workspaces, Equb groups, and members. Recording contributions, payment status, and payment history.

Organizing rounds and recording winner selections. Synchronizing records across supported devices. Reading bank SMS messages or processing statements on-device to help identify payments, when users opt in. Activating workspaces and managing subscriptions. Connecting clients with agents for onboarding and support.

Features may change, be added, or be discontinued as the service develops.

Equb Manager does not hold, safeguard, transfer, or guarantee the money contributed by Equb members. The actual collection, transfer, custody, and distribution of money take place outside the platform and are the responsibility of the relevant participants.

Equb Manager provides tools to record and organize information. A record marked as paid is not, by itself, a guarantee that funds were received, cleared, or transferred correctly.

We do not guarantee that an Equb group will complete its rounds, that a member will pay, or that a selected winner will receive money.

You must provide accurate account information, protect your login details, and promptly report suspected unauthorized access.

Workspace access may be activated through an Equb Manager agent or another supported activation process. You are responsible for the activity carried out through your account, subject to applicable law.

Do not share access codes with unauthorized people, impersonate others, misuse another person's data, or attempt to bypass access controls.

Workspace managers are responsible for:

Ensuring they have a lawful and appropriate basis to enter and manage members' personal information.

Keeping member details, contribution records, payment status, rounds, and winner information accurate. Correcting mistakes promptly and communicating with members about relevant records.

Restricting access to authorized people. Exporting or retaining records they need for their own legitimate purposes.

Resolving disputes with Equb members about contributions, collections, winners, and distributions.

Managers should independently verify important financial transactions. Equb Manager is not the final authority on whether a contribution was actually paid or a financial obligation was fulfilled.

Equb Manager offers multiple subscription plans. Plan features, prices, limits, and applicable payment methods will be presented through the platform or another official sales channel.

Subscriptions are renewed manually. Users can renew through the platform themselves. Unless an offer expressly states otherwise, subscriptions do not automatically renew.

When a subscription expires, the relevant workspace may become read-only. Expiration does not itself delete the workspace or its records. Access to editing or other paid features may require renewal or another valid activation.

You are responsible for reviewing the plan, price, and applicable terms before making a payment.

Cancellation stops future renewal where applicable.

Access already paid for generally remains available until the end of the current subscription period, unless the applicable plan or law provides otherwise.

Refund requests are reviewed individually. A refund is not guaranteed and will be assessed based on the circumstances, the applicable plan, payment status, and mandatory legal requirements.

If a subscription payment fails, is duplicated, or is disputed, contact equbmanager@gmail.com or the official Equb Manager Telegram channel. We may ask for reasonable evidence to investigate the issue.

Nothing in these Terms removes consumer rights that cannot lawfully be excluded.

Agent accounts are currently free, subject to the platform's eligibility and conduct requirements.

Agents may receive 30% commission on eligible subscription payments actually received for clients attributable to them under the platform's commission rules. Commission is not earned merely because an account is created or a client expresses interest.

The platform may show commission balances and allow eligible agents to request withdrawal. The current minimum withdrawal amount is 1,000 ETB. A displayed balance does not guarantee immediate payment; requests may be subject to verification, review, available funds, payment-provider requirements, and fraud checks.

Any additional commission calculation rules, exclusions, payout timing, or changes will be communicated through the platform or official agent communications.

Agents must: Provide truthful information and represent Equb Manager accurately.

Keep client and workspace information confidential. Use access only for authorized onboarding and support. Follow applicable privacy, security, and anti-fraud requirements.

Avoid misleading claims about income, commissions, financial services, or guaranteed client outcomes. Not claim that they or Equb Manager hold, transfer, or guarantee Equb contributions.

Keep their account and contact details accurate and secure.

When an agent's assignment or client relationship ends, their access to that client's workspace should be revoked. The client's workspace and records remain subject to the manager's access rights and the Privacy Policy.

You must not:

Use the platform for fraud, impersonation, harassment, or unlawful activity

Access workspaces or data without authorization. Upload or enter information you have no right to use.

Attempt to disrupt, reverse engineer, or compromise the platform, except where applicable law expressly permits such activity.

Circumvent subscription limits, access restrictions, or security measures.

Misuse contact details, commission features, or agent access.

Available functionality may allow managers to export workspace records. You are responsible for exporting any records you need before deleting a workspace or losing access.

To request deletion, contact equbmanager@gmail.com or the official Equb Manager Telegram channel. The requester must be the account holder or an authorized workspace manager. Requests are verified and processed within a reasonable period.

Deleting a workspace removes its associated Equb records, subject to applicable legal, security, and dispute-related retention requirements. Subscription expiry alone does not delete records.

We aim to keep the platform useful and available but do not guarantee uninterrupted access, error-free operation, or compatibility with every device.

We may update, suspend, or discontinue features for maintenance, security, legal, or operational reasons. Where reasonably practicable, we will communicate significant changes through the website, application, email, or official agent channels.

You are responsible for maintaining your own copies of important records and independently verifying critical financial information.

We may restrict, suspend, or terminate access where reasonably necessary to investigate or address suspected fraud, abuse, security risks, unlawful conduct, or material violations of these Terms.

Where appropriate and legally permitted, we will provide notice and an opportunity to address the issue. We may act without prior notice when necessary to protect users, records, systems, or legal rights.

If your access ends, provisions that by their nature should continue—including rules about prior use, liability, disputes, and legal obligations—will continue to apply.

Equb managers and members are responsible for resolving disputes about contributions, payment records, collection, round order, winner selection, and distribution of money.

Equb Manager may provide records or technical support but does not act as a financial custodian, guarantor, arbitrator, or adjudicator of the underlying Equb arrangement.

This does not prevent users from exercising any rights available under applicable law.

The platform is provided on an “as available” basis, subject to any warranties or rights that cannot lawfully be excluded. We do not guarantee uninterrupted service, perfect accuracy of user-entered records, successful payment collection, or the conduct of Equb participants.

To the extent permitted by applicable law, Equb Manager is not responsible for losses caused by inaccurate user-entered records, participants' failure to pay, disputes over an Equb arrangement, unauthorized sharing of login credentials, or financial transfers carried out outside the platform.

Nothing in these Terms excludes or limits liability where such exclusion or limitation is prohibited by law, or removes rights that users cannot waive.

Your use of Equb Manager is also governed by our Privacy Policy, which explains how personal information is collected, used, stored, shared, and deleted.

We may update these Terms as the platform and its business arrangements evolve. Revised Terms will be published on the website. We will provide advance notice of significant changes where reasonably practicable and obtain renewed acceptance where required by law or the nature of the change.

These Terms are intended to be governed by the laws of Ethiopia, subject to mandatory consumer-protection, privacy, and other laws that may apply to users in their own jurisdictions. Any dispute will be handled by a competent forum under applicable law.

This clause must be reviewed by an Ethiopian lawyer before publication, particularly for international users.

For support, subscription questions, privacy requests, or complaints: Equb Manager Email: equbmanager@gmail.com Website: https://equbmanager.et Telegram: https://t.me/equbmanager Legal operator: MHCDA Business address: Addis Abab, Ethiopia