Moozy is an engagement and commerce platform operated by Aga Intelligence (Pty) Ltd, based in Gaborone, Botswana (“Moozy”, “we”, “us”). Businesses such as banks, insurers, health providers, government bodies and other organisations use Moozy to talk to their customers across SMS, USSD, WhatsApp, voice and the web.

These terms apply to you as a person who interacts with one of those businesses through Moozy (“you”). By sending a message, completing a step, or otherwise using the service, you agree to these terms. If you do not agree, please do not use the service.

These terms cover the Moozy platform itself. The business you are dealing with may have its own terms for its products and services, which apply in addition to these.

When you interact through Moozy, you are dealing with a business that has chosen to use the platform to reach and serve its customers.

• The business is responsible for its own products, services, prices, offers, eligibility decisions, and the rules and content of the conversation.
• Moozy provides the technology that carries the conversation, understands your messages, applies the business’s rules, keeps records, and helps complete what you asked for.

Moozy is not the provider of the underlying product or service, and is not a party to any agreement you enter into with the business, unless we state otherwise. Questions about a product, an account, a price or a decision should go to the business you are dealing with.

You must be old enough to enter into a binding agreement under the law of your country, and to use the service of the business you are dealing with. If you are using the service on behalf of someone else or an organisation, you confirm that you are authorised to do so.

• Consent: businesses are required to obtain your consent before messaging you. By starting or continuing a conversation, you agree to receive messages related to the service.
• Opting out: you can stop messages at any time, on any channel, by replying with a single word such as STOP. Your choice is recorded and applied.
• Network charges: standard message, data and call charges from your mobile operator may apply, depending on the channel you use. These are set by your operator, not by Moozy.
• Availability: messaging depends on networks and third-party channels such as your mobile operator and WhatsApp. We cannot guarantee that every message is delivered instantly or without interruption.

• Some responses you receive are generated automatically, including by artificial intelligence. These help answer questions and complete tasks quickly, in your own words and language.
  Please note: automated replies may not always be complete, accurate or suited to your exact situation. Do not rely on them alone for important decisions, such as financial, legal, health or other significant matters. Where a question needs a person, you can ask to be passed to a member of the business’s team, and you should confirm important details with the business directly.

Some services let you make payments, for example by mobile money, or receive invoices and reminders through the platform.

• Payments are processed by mobile money and payment providers under their own terms and charges.
• The price, the product and the terms of any purchase are set by the business you are paying, not by Moozy.
• Please check the details of any payment before you confirm it. Questions about a charge, a refund or a transaction should go to the business, or to the relevant payment provider.

When you use Moozy, you agree to:

• Give accurate information, and not impersonate anyone or pretend to be someone you are not.
• Use the service only for lawful purposes and in line with these terms.
• Not send unlawful, abusive, harassing, fraudulent or harmful content.
• Not attempt to disrupt, damage, overload, gain unauthorised access to, or interfere with the platform or its security.
• Not use the service to break the law or another person’s rights.

If the service is misused, access may be limited or withdrawn.

Your personal information is handled as described in the Moozy Privacy Statement. In short, the business you are dealing with decides why your information is collected and how it is used, and Moozy processes that information on its behalf to deliver the service.

The Moozy platform, including its software, design, name and logo, belongs to Aga Intelligence and its licensors. These terms do not give you any ownership of, or right to copy, modify or resell, the platform. Content provided by a business through the service belongs to that business.

We work to keep the service running reliably, but we do not promise that it will always be available, uninterrupted or free of errors. The service depends on networks and third-party channels that are outside our control. We may update, suspend or change parts of the platform from time to time.

To the extent permitted by law:

• Moozy provides the platform that carries the conversation, but is not responsible for the products, services, prices, decisions or content of the business you are dealing with.
• Moozy is not liable for loss arising from your reliance on an automated reply, from a delay or failure caused by networks or third-party channels, or from misuse of the service.
• Nothing in these terms limits any liability that cannot be limited or excluded under the law of Botswana, including your rights as a consumer.

For matters concerning the product or service itself, your rights and remedies are with the business you are dealing with.

We may update these terms from time to time as the service or the law changes. The date at the top shows when they were last updated. By continuing to use the service after an update, you accept the revised terms.

These terms are governed by the laws of the Republic of Botswana, and any dispute relating to them is subject to the jurisdiction of the courts of Botswana. This does not affect any mandatory consumer rights you have under the law that applies to you.