1. Introduction

Welcome to WimboLink ("we," "our," or "us"). By accessing or using our platform, you agree to be bound by these Terms and Conditions. WimboLink is an e-commerce platform that connects artists with customers. We do not handle, hold, or process payments directly. All payments are processed by partner banks.

2. Definitions

• "Platform" means WimboLink website and services.
• "Customer" means a user who purchases music.
• "Artist" means a Kwaya or musician who sells music.
• "Album" means a collection of tracks sold on the platform.
• "Purchase" means buying an album.
• "Partner Bank" means any bank (e.g., CRDB, NMB, NBC) that processes payments on our platform.
• "Agent" means WimboLink acts solely as an intermediary connecting artists and customers.

3. Account Registration

• You must provide accurate and complete information.
• You are responsible for maintaining your password security.
• You must be at least 18 years old to register as an artist.
• Artists must provide valid bank account information for payouts.
• We reserve the right to suspend or terminate accounts that violate these terms.

4. For Customers (Music Buyers)

• When you purchase an album, you receive a lifetime license to listen to the music.
• You may download the album for personal, non-commercial use only.
• You may NOT share, resell, or distribute the music files.
• All sales are final. No refunds after purchase.
• You may stream purchased music anytime from your library.

5. For Artists (Kwayas/Musicians)

5.1 Bank Account Requirement

• To receive payments, artists MUST have a valid bank account with a partner bank (CRDB, NMB, NBC, or other participating banks).
• Bank account details must be verified before you can start selling.
• Mobile money (M-Pesa, Tigo Pesa, Airtel Money) is available as an alternative payout method.

5.2 Direct Payment System (No Holding of Funds)

• WimboLink DOES NOT hold, store, or process artist funds.
• When a customer purchases your album, the payment is processed DIRECTLY by our partner bank.
• The bank automatically splits each transaction according to our agreed percentages.
• Your share (80%) is deposited DIRECTLY into your registered bank account.
• WimboLink acts solely as an e-commerce agent connecting buyers and sellers.
• We never have custody or control of your funds at any time.

5.3 Payout Timing

• Payments are processed instantly by the partner bank upon successful customer payment.
• Funds typically appear in your account within minutes, depending on your bank's processing time.
• You can track all transactions in real-time from your artist dashboard.

5.4 Verification Requirements

• You must provide valid government registration documents.
• All artists must be verified by our admin team before selling.
• You warrant that you own all rights to the music you upload.
• You are responsible for your own tax obligations.
• You may unpublish or delete your albums at any time.

6. Payment and Fee Structure

6.1 How Payments Work (Bank-to-Bank Split Payment)

• Step 1: Customer pays TZS X for an album via mobile money or bank transfer.
• Step 2: Our partner bank receives the payment.
• Step 3: The bank automatically splits the payment as follows:

6.2 Important Legal Note (E-commerce Agent Status)

• WimboLink is an e-commerce platform and acts as an agent only.
• We are not a financial institution, payment processor, or money transmitter.
• We do not handle, hold, or control customer funds or artist payouts.
• All payment processing is handled by our licensed partner banks.
• Our role is limited to connecting artists with customers and providing the technology platform.
• Artist funds go directly from customer → bank → artist bank account. WimboLink never touches the money.

6.3 Government Charges (Not "TRA Tax" in UI)

• Our platform automatically calculates and withholds 5% for government charges (VAT and other statutory deductions).
• These charges are remitted directly to the relevant government authorities by our partner banks.
• Artists receive receipts for all government deductions.

7. Content Guidelines

• You may not upload music that infringes copyright.
• You may not upload explicit or offensive content.
• We reserve the right to remove any content without notice.
• Comments must be respectful and not harassing.

8. Intellectual Property

• Artists retain full ownership of their music.
• WimboLink owns the platform design, logo, and code.
• Customers receive a license to listen, not ownership.

9. Prohibited Activities

• Attempting to hack or disrupt the platform.
• Creating fake accounts or fraudulent purchases.
• Uploading malware or harmful files.
• Harassing other users or artists.
• Attempting to circumvent the payment system.

10. Limitation of Liability

WimboLink acts solely as an e-commerce agent and technology provider. We are not responsible for:

• Bank processing delays or errors
• Mobile money network failures
• Artist bank account issues
• Government tax deductions or reporting
• Any indirect, incidental, or consequential damages

Our total liability is limited to the amount you paid us in the last 6 months.

11. Termination

We may terminate or suspend your account immediately for violating these terms. Artists with pending transactions will receive their earned balance through standard payout processes.

12. Changes to Terms

We may update these terms at any time. Continued use of the platform constitutes acceptance of new terms.

13. Governing Law

These terms are governed by the laws of the United Republic of Tanzania. Any disputes shall be resolved in Tanzanian courts.

14. Contact Us

For questions about these terms, contact us at: info@wimbolink.com

1. Utangulizi

Karibu kwenye WimboLink ("sisi," "yetu"). Kwa kutumia jukwaa letu, unakubali kufuata Sheria na Masharti haya. WimboLink ni jukwaa la biashara ya mtandaoni linalowaunganisha wasanii na wateja. Hatushughulikii, hatushiki, wala hatuchakate malipo moja kwa moja. Malipo yote yanachakatwa na benki washirika.

2. Ufafanuzi

• "Jukwaa" inamaanisha tovuti na huduma za WimboLink.
• "Mteja" inamaanisha mtumiaji anayenunua muziki.
• "Msanii" inamaanisha Kwaya au mwanamuziki anayeuza muziki.
• "Albamu" inamaanisha mkusanyiko wa nyimbo zinazouzwa kwenye jukwaa.
• "Ununuzi" inamaanisha kununua albamu.
• "Benki Mshirika" inamaanisha benki yoyote (k.m., CRDB, NMB, NBC) inayochakata malipo kwenye jukwaa letu.
• "Wakala" inamaanisha WimboLink inafanya kazi kama wakala tu wa kuwaunganisha wanunuzi na wauzaji.

3. Usajili wa Akaunti

• Lazima utoe taarifa sahihi na kamili.
• Wewe ndiye unaowajibika kwa usalama wa nenosiri lako.
• Lazima uwe na umri wa miaka 18 au zaidi kujiandikisha kama msanii.
• Wasanii lazima watoe taarifa sahihi za akaunti ya benki ili kupokea malipo.
• Tunahaki ya kusimamisha au kufunga akaunti zinazokiuka sheria hizi.

4. Kwa Wateja (Wanunuzi wa Muziki)

• Unaponunua albamu, unapokea leseni ya kusikiliza muziki kwa maisha yote.
• Unaweza kupakua albamu kwa matumizi ya kibinafsi tu, sio ya kibiashara.
• Huruhusiwi kushiriki, kuuza tena, au kusambaza faili za muziki.
• Ununuzi wote ni wa mwisho. Hakuna refund baada ya kununua.
• Unaweza kusikiliza muziki ulionunua wakati wowote kwenye maktaba yako.

5. Kwa Wasanii (Kwaya/Wanamuziki)

5.1 Mahitaji ya Akaunti ya Benki

• Ili kupokea malipo, wasanii LAZIMA wawe na akaunti halali ya benki katika benki mshirika (CRDB, NMB, NBC, au benki nyingine zinazoshiriki).
• Taarifa za akaunti ya benki lazima zithibitishwe kabla ya kuanza kuuza.
• Pesa za simu (M-Pesa, Tigo Pesa, Airtel Money) zinapatikana kama njia mbadala ya malipo.

5.2 Mfumo wa Malipo ya Moja kwa Moja (Hatuna Kushikilia Fedha)

• WimboLink HAISHIKI, HAISTORE, wala HAICHAKATI fedha za wasanii.
• Mteja anaponunua albamu yako, malipo yanachakatwa MOJA KWA MOJA na benki yetu mshirika.
• Benki inagawanya kila manunuzi kiotomatiki kulingana na asilimia tulizokubaliana.
• Sehemu yako (80%) inaingizwa MOJA KWA MOJA kwenye akaunti yako ya benki.
• WimboLink inafanya kazi kama wakala wa biashara ya mtandaoni tu.
• Hatuna kamwe udhibiti au ulinzi wa fedha zako wakati wowote.

5.3 Muda wa Malipo

• Malipo yanachakatwa papo hapo na benki mshirika baada ya mteja kulipa.
• Fedha zinaonekana kwenye akaunti yako ndani ya dakika chache, kulingana na benki yako.
• Unaweza kufuatilia manunuzi yote kwa wakati halisi kwenye dashibodi yako.

5.4 Mahitaji ya Uthibitishaji

• Lazima utoe nyaraka halali za usajili wa serikali.
• Wasanii wote lazima wathibitishwe na timu yetu kabla ya kuuza.
• Unathibitisha kuwa unamiliki haki zote za muziki unaopakia.
• Wewe ndiye unawajibika kwa malipo yako ya kodi.
• Unaweza kuficha au kufuta albamu zako wakati wowote.

6. Malipo na Ada

6.1 Jinsi Malipo Yanavyofanya Kazi (Mgawanyo wa Benki-kwa-Benki)

• Hatua 1: Mteja analipa TZS X kwa albamu kupitia pesa za simu au benki.
• Hatua 2: Benki yetu mshirika inapokea malipo.
• Hatua 3: Benki inagawanya malipo kiotomatiki kama ifuatavyo:

6.2 Taarifa Muhimu ya Kisheria (Hadhi ya Wakala wa Biashara)

• WimboLink ni jukwaa la biashara ya mtandaoni na inafanya kazi kama wakala tu.
• Sisi si taasisi ya fedha, mchakataji wa malipo, au msambazaji wa pesa.
• Hatushughulikii, hatushiki, wala hatudhibiti fedha za wateja au malipo ya wasanii.
• Uchakataji wote wa malipo unafanywa na benki zetu washirika wenye leseni.
• Jukumu letu ni mdogo kwa kuwaunganisha wasanii na wateja na kutoa jukwaa la teknolojia.
• Fedha za wasanii zinatoka moja kwa moja: mteja → benki → akaunti ya benki ya msanii. WimboLink haigusi pesa kamwe.

6.3 Gharama za Serikali (Sio "TRA Tax" kwenye UI)

• Jukwaa letu linahesabu na kukata 5% kwa ajili ya gharama za serikali (VAT na makato mengine ya kisheria).
• Gharama hizi zinalipwa moja kwa moja kwa mamlaka husika na benki zetu washirika.
• Wasanii wanapokea risiti za makato yote ya serikali.

7. Miongozo ya Maudhui

• Huruhusiwi kupakia muziki unaokiuka hakimiliki.
• Huruhusiwi kupakia maudhui machafu au ya kukera.
• Tunahaki ya kuondoa maudhui yoyote bila taarifa.
• Maoni lazima yawe ya heshima na yasiyokuwa ya chuki.

8. Miliki ya Kiviwanda

• Wasanii wanabaki na umiliki kamili wa muziki wao.
• WimboLink inamiliki muundo wa jukwaa, nembo, na msimbo.
• Wateja wanapokea leseni ya kusikiliza, sio umiliki.

9. Shughuli Zilizopigwa Marufuku

• Kujaribu kudukua au kuvuruga jukwaa.
• Kuunda akaunti bandia au ununuzi wa ulaghai.
• Kupakia virusi au faili hatari.
• Kuwanyanyasa watumiaji wengine au wasanii.
• Kujaribu kukwepa mfumo wa malipo.

10. Dhima

WimboLink inafanya kazi kama wakala wa biashara ya mtandaoni na mtoa huduma za teknolojia tu. Hatutawajibika kwa:

• Ucheleweshaji au makosa ya benki katika kuchakata malipo
• Kukatika kwa mtandao wa pesa za simu
• Matatizo ya akaunti ya benki ya msanii
• Makato ya kodi ya serikali au taarifa
• Uharibifu wowote usio wa moja kwa moja

Dhima yetu ni mdogo kwa kiasi ulichotulipa katika miezi 6 iliyopita.

11. Kukomesha Akaunti

Tunaweza kukomesha au kusimamisha akaunti yako mara moja kwa kukiuka sheria hizi. Wasanii walio na malipo yanayosubiri watapokea salio walilopata kupitia mchakato wa kawaida wa malipo.

12. Mabadiliko ya Sheria

Tunaweza kusasisha sheria hizi wakati wowote. Kuendelea kutumia jukwaa kunamaanisha unakubali sheria mpya.

13. Sheria Tawala

Sheria hizi zinatii sheria za Jamhuri ya Muungano wa Tanzania. Migogoro yoyote itatatuliwa katika mahakama za Tanzania.

14. Wasiliana Nasi

Kwa maswali kuhusu sheria hizi, wasiliana nasi kwa: info@wimbolink.com