Last updated: 20 August 2026
Also see our Privacy Policy and how to delete your account.
Last updated: 20 August 2026
These Terms of Use (“Terms”) are a contract between you and Ikofi App Ltd (“Ikofi”, “we”, “us”, “our”), a company in Kigali, Rwanda. They govern your use of the Ikofi mobile application, www.ikofi.app (including USSD deep links), and related consumer features (together, the “Services”).
By creating an account, tapping to accept, or using the Services, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Services.
The separate advertiser portal (advertiser.ikofi.app) has its own terms. Those terms apply to business advertisers only and do not replace these consumer Terms.
Contact: team@ikofi.app
Ikofi is a private company. We do not have public authority. Nothing in these Terms: • places us above the Government of Rwanda, its ministries, or its regulators; • limits a right you have under Rwandan law that cannot be waived by contract; • prevents you from complaining to a competent public authority; or • prevents us from complying with a lawful order, court decision, or request from a competent authority.
These Terms are interpreted in line with the laws of Rwanda. If a provision cannot be enforced as written, it is adjusted only to the minimum extent needed so the rest of the Terms still apply.
Ikofi helps you: • start Mobile Money USSD on MTN or Airtel (send, merchant code, airtime) without typing menus such as 18211… yourself, where we support that flow; • track spending, budget, split expenses, track loans, and keep shopping lists; • share Moments (photos and short videos that typically stay live for 24 hours), follow people, and discover creators; • if you qualify, earn a share of certain in-app ads, paid to a Rwanda MoMo number on a schedule we describe in the app; • invite friends through Refer and Earn, where that programme is available.
Ikofi does not process, receive, hold, or transfer your Mobile Money. We are not a bank, not an electronic-money issuer, and not a licensed payment service for your MoMo balance. We do not need a National Bank of Rwanda licence to operate this USSD helper because your carrier — not Ikofi — completes the payment. You confirm with the operator’s PIN, limits, and fees. We only launch the right USSD and can keep a history in the app for your own tracking. We do not guarantee that every operator menu will always be available.
Creator and referral payouts (if you earn them) are separate from everyday MoMo sends: those rewards are paid to the MoMo number you give us through a payout partner, not taken from other users’ wallets.
We may add, change, or remove features. We will try to give reasonable notice where a change is material and practicable.
You must be at least 13 years old to create an account.
If you are 13, 14, 15, 16, or 17, you may use the Services only with the consent and supervision of a parent or legal guardian who agrees to these Terms on your behalf. We may ask for proof of age or consent. We may limit features for under-18s.
You must be at least 18 to: (a) unlock creator monetization; (b) receive creator or referral payouts; and (c) use the Services as a business or on behalf of someone else.
Mobile Money is provided by your operator under their own rules. If your operator requires you to be 18 (or another age) to send, receive, or hold a wallet, those rules still apply. We cannot override them.
You must be able to enter a contract under Rwandan law, and you must not be barred from using the Services or your operator’s Mobile Money.
You must give accurate registration information (including a phone number you control) and keep it current. Your account is tied to that number on purpose: it is how Mobile Money identifies you and how we match history to your line.
You are responsible for your device, PIN, password, and any two-factor method we offer. Do not share them. Tell us at team@ikofi.app if you think someone else used your account.
We may verify identity, refuse registration, or require extra checks where we reasonably suspect fraud, abuse, or legal risk. One person should not operate multiple accounts to evade limits, bans, or payout rules.
When you choose send, pay a merchant, or buy airtime in Ikofi, you ask us to open the matching USSD on your device. Ikofi does not take the funds, does not sit in the middle of the transfer, and does not operate a cash wallet for you. MTN or Airtel processes the transaction. You must only confirm prompts you intend. Operator fees, taxes, limits, downtime, and failed sends are between you and the operator. History we show in the app is for your tracking and budgets; it is not a bank statement and is not legal proof that the operator completed a payment.
If a payment fails or is delayed, contact your operator first. We will try to help with what we can see in the app (for example whether the USSD was started).
You must not use the USSD helper to launder money, finance crime, evade sanctions, or break payment, tax, or consumer laws. We may suspend the helper if we reasonably believe it is being used that way.
You can post photos, video, text overlays, captions, profile photos, bios, tag names, and similar material (“User Content”). You keep the rights you already have in that User Content.
You grant Ikofi a worldwide, non-exclusive, royalty-free licence to host, store, reproduce, adapt (for example thumbnails or resizing), communicate, and display User Content as needed to operate, moderate, secure, and promote the Services, including showing it to other users and placing ads near it. This licence lasts while the content is on our systems. When you delete content or your account, we stop public display, subject to residual copies in backups for a limited time and to what we must keep under law.
You represent that you own User Content or have all rights needed to post it, and that it does not infringe copyright, trademark, privacy, or other rights.
Moments are typically public to people using Ikofi (including people who do not follow you, through Discover, Trending, or For You). Do not post anything you are not willing to share. We do not promise that a Moment will reach any particular audience.
Ikofi should be safe to use. You must not post, send, or do anything that: • is illegal under Rwandan law, or that we reasonably believe would cause us to break the law; • is child sexual abuse material, sexualizes minors, or exploits children — we have zero tolerance and we may report this to competent authorities; • is non-consensual intimate imagery, revenge porn, or sexual content involving someone who did not agree; • is hate, extreme violence, terrorism, or clear incitement to crime; • is harassment, bullying, threats, or stalking; • impersonates another person, Ikofi, or a public institution; • is spam, scams, phishing, malware, or deceptive schemes; • promotes illegal drugs, unlicensed gambling, or other prohibited goods as we reasonably define in light of Rwandan law; • infringes copyright, trademark, or other intellectual property; • collects other people’s data without a lawful basis; • interferes with the Services (scraping, bots that evade our controls, attacking our systems).
We may remove content, limit distribution, or take account action when we reasonably believe these Standards were broken. We do not review every piece of content in advance. Other users can report Moments and profiles. Reports are reviewed; we may not notify you of every decision.
The Ikofi name, logo, app, website, design, software, and documentation are owned by us or our licensors. These Terms do not transfer ownership to you. You may not copy, reverse engineer (except where Rwandan law says you may), sell, or lease the Services.
You may not use our name or logo in a way that suggests we endorse you, unless we agree in writing.
We respect copyright and other intellectual property rights under Rwandan law (including applicable intellectual property legislation). We also expect you to respect them.
If you are a rights holder and you believe User Content on Ikofi infringes your rights, email team@ikofi.app with the subject “Copyright notice” and include: • your name, organisation, and contact details; • a description of the work and where it appears in the app (profile, Moment, URL, or screenshot); • a statement that you own the rights or are authorised to act; • a statement that the information is accurate to the best of your knowledge.
We may remove or restrict the content, tell the poster, and, for repeated or serious infringement, suspend or terminate the account. We may restore content if a counter-notice reasonably shows the material was removed by mistake. We cooperate with competent authorities and courts when required.
Filing a false notice may have legal consequences for you. These procedures do not create a private court. Disputes about ownership can still go to the competent courts of Rwanda.
The Services are supported in part by advertising. You may see sponsored slides while watching Moments (including between someone else’s Moments) and banners on money screens (for example Home, Send, Budget). Ads may use information described in our Privacy Policy (such as age band, gender, and topics you chose) so they are more relevant. Leaving targeting blank on the advertiser side means an ad may be shown more broadly.
Tapping an ad may open a website we do not control. We do not guarantee any advertiser’s products or claims. Advertisers are responsible for their creatives. Campaigns are human-reviewed before they go live, but review is not a guarantee of legality or quality.
We do not promise how many ads you will see.
Eligible creators may earn a share of mid-roll ads that run while people watch their Moments (currently described in-product as 50% of those mid-rolls). Ads may still appear when you are not eligible; in that case the platform keeps that inventory. Ads after a Moment ends may be treated differently and may not be shared.
Eligibility is not automatic. Typical requirements (shown in Creator Hub and subject to change) include being 18+, growing an audience, posting consistently, and having a valid Rwanda MoMo number on your profile. We may raise, lower, or pause bars. Falling below the bars can stop your share.
Payouts are scheduled (not on-demand), paid in RWF to MoMo after you meet a threshold, and may subtract a transfer fee shown in the app. We may hold, reverse, or refuse a payout where we reasonably suspect fraud, ineligible views, policy breach, or a payment-partner failure. You are responsible for any tax that applies to your earnings.
We do not guarantee earnings, views, or discovery. Creator Hub numbers are operational estimates.
Where Refer and Earn is available, you may share a personal code. Rewards (for a friend’s signup, completed transactions, or similar events) are set in the app and can change. We may pause new earnings, cap rewards, or deny payouts for self-referrals, fake accounts, or abuse. Payouts require a valid MoMo number and may have a threshold and fee. Existing earned balances remain subject to these Terms and to anti-fraud checks.
Downloading and using the consumer app does not currently include an Ikofi subscription fee. Your mobile-money operator may still charge their own fees — the same kind you would see on USSD.
Creator and referral payouts may include a small transfer fee shown before you confirm. Advertisers pay separately under advertiser terms.
If we ever introduce Ikofi consumer fees, we will describe them in the app and, for material new charges, give notice as described under “Changes”.
You may stop using the Services at any time and may delete your account as described below.
We may warn, limit features, remove content, suspend, or permanently terminate an account, with or without prior notice where we reasonably believe it is needed, if: • you break these Terms or Community Standards; • you infringe intellectual property, including repeated copyright violations; • we suspect fraud, unauthorised access, or abuse of USSD or payouts; • we are required to do so by law, a court, or a competent authority; • you gave false information; • your account is used in a way that creates safety, legal, or operational risk for others or for us; • the account is inactive for a long period.
Termination does not cancel obligations that already exist (for example amounts you owe an operator, or our right to keep records the law requires). Sections that by nature should survive (including intellectual property, disclaimers, liability limits that are lawful, and dispute clauses) continue to apply.
We may also remove or restrict content without closing the whole account.
Apple and Google require a way to delete an account you created. You can start deletion from inside the Ikofi app: open Account or Settings and choose Delete Account, then confirm. That is the primary path.
If you cannot open the app (for example you uninstalled it), email team@ikofi.app from a reachable address with the subject “Account Deletion Request” and the phone number on the account. We also describe this on www.ikofi.app/account-deletion — a public page you can use without logging in, as Google Play requires.
What happens next: • We aim to acknowledge email requests promptly (typically within a few business days). • Personal data we do not need to keep is anonymised or deleted, generally within 30 days, unless a lawful delay applies (for example an investigation or a court order). • Transaction records that involve other people or that we must keep for financial integrity, security, tax, or legal claims may be retained in anonymised or limited form. We do not keep a usable login for you. • The phone number may stay on a security blocklist for 90 days so it cannot immediately open a new account. That is to reduce abuse, not to punish you. After that period you may register again unless we applied a longer or permanent ban for serious breach.
Finish pending sends you care about before you delete. Deletion cannot be undone. Anonymisation is not the same as freezing the account: you will not be able to sign back in as that user.
How we process personal data is explained in the Privacy Policy at www.ikofi.app/privacy-policy. It is part of how we operate the Services. It does not let us ignore the Rwanda Data Protection Law.
The Services may open operator USSD, websites, app stores, payout partners (for creator or referral rewards only), crash reporting, or cloud hosting we do not control. Their terms and privacy notices apply to them. Everyday MoMo sends are the operator’s service, not ours. We are not responsible for their outages or content, except where Rwandan law says we cannot exclude that responsibility.
The Services are provided as available. We do not promise uninterrupted or error-free USSD launches, Moments, or history. Networks, devices, app stores, and operators can fail. Because we do not process your MoMo, we are not responsible for operator balances, failed carrier payments, or PIN mistakes — those stay with you and the carrier.
We do not promise any number of views, followers, earnings, referrals, or ad results.
Nothing in this section is meant to exclude liability that Rwandan law does not allow us to exclude (for example certain liability for fraud, or for death or personal injury caused by negligence, where such a rule applies).
To the extent Rwandan law allows, we are not liable for indirect, incidental, or consequential loss (including lost profits, lost data, or lost chance) arising from your use of the Services.
Where liability can be limited, our total liability to you for a claim relating to the consumer Services is limited to the total of any Ikofi consumer fees you actually paid us in the three months before the claim (which may be zero if the app is free to you). Operator fees you paid an operator are not Ikofi fees.
This limit does not apply where the law says it cannot.
You will defend and indemnify Ikofi App Ltd and our team against claims, losses, and reasonable legal costs arising from: your User Content; your use of the Services; your breach of these Terms; or your infringement of someone else’s rights — except to the extent we caused the harm by our own unlawful conduct.
We may update these Terms. The new version is posted on www.ikofi.app/term-of-use with a new “Last updated” date. For material changes, we will also try to notify you in the app or by email or SMS where we have a working contact, at least 30 days in advance where practicable.
If you continue to use the Services after the new Terms take effect, you accept them. If you do not agree, you must stop using the Services and you may delete your account. Changes cannot take away a non-waivable right under Rwandan law.
These Terms are governed by the laws of the Republic of Rwanda.
If you have a problem, contact team@ikofi.app first so we can try to resolve it informally.
If that fails, either of us may go to the competent courts of Rwanda. Nothing here stops you from using a mediation, consumer, or regulatory process that Rwandan law makes available, including a complaint to the National Cyber Security Authority’s Data Protection and Privacy Office about personal data (see the Privacy Policy).
We do not ask you to give up access to Rwandan courts as a condition of using Ikofi.
These Terms are the whole agreement between you and us for the consumer Services. We may assign the contract as part of a reorganisation or sale; you may not assign it without our consent. If we do not enforce a right once, we can still enforce it later. Headings are for reading only.
Ikofi App Ltd Kigali, Rwanda team@ikofi.app
For copyright notices, use the subject “Copyright notice”. For account deletion when you cannot use the app, use the subject “Account Deletion Request” or visit www.ikofi.app/account-deletion.