Information we collect: Account details (name, phone), transaction records (amount, dates, references), and device metadata for security and fraud prevention.

How we use data: To provide and improve services, verify payments, send receipts/notifications, offer support, and comply with legal obligations.

Data sharing: We do not sell personal data. We only share with trusted service providers (e.g., SMS and payment gateways) under confidentiality agreements, or with regulators when legally required.

User rights: You may access, update, or request deletion of your data. You may also opt out of non-essential communications.

Security: We apply administrative, technical, and physical safeguards. While no method is 100% secure, we continuously improve protections.

Children: Services are not directed at individuals under 18 without guardian consent.

Contact: sales@qzat.co.tz, +255 756 500 006.

Acceptance: By registering, you agree to these Terms and applicable Tanzanian laws.

Account: You must provide accurate details and keep your PIN secure. You are responsible for all activities under your account.

Use of service: Fraud, abuse, reverse engineering, or unlawful activity is prohibited. Accounts may be suspended or terminated for violations.

Payments: By using the app, you authorize Q-Zat and its partners to process your transactions securely.

Liability: To the extent allowed by law, Q-Zat is not liable for indirect or consequential damages. Consumer protection rights remain unaffected.

Updates: We may revise these Terms periodically; continued use means acceptance of changes.

Refunds apply only to erroneous or duplicate transactions that were not fulfilled. Requests must be submitted within 24 hours to sales@qzat.co.tz including reference ID (e.g., QZPxxxxx), amount, date/time, and the registered phone number.

We use only essential cookies for session management and security. Disabling cookies may affect functionality.

To request account or data deletion, email sales@qzat.co.tz from your registered email/phone including your account details. We will respond within 7 days, subject to legal record-keeping requirements.

Taarifa tunazokusanya: Jina, namba ya simu, kumbukumbu za miamala na metadata ya kifaa kwa ajili ya usalama.

Matumizi: Kutoa huduma, kuthibitisha malipo, kutuma risiti/taarifa, msaada kwa wateja na kufuata sheria.

Kushirikisha: Hatuuzi data. Tunashirikisha tu na watoa huduma waliodhibitiwa au mamlaka za kisheria inapobidi.

Haki zako: Unaweza kufikia/kusasisha taarifa zako na kuomba kufutwa.

Usalama: Tunachukua hatua mbalimbali za kulinda taarifa zako.

Watoto: Huduma hazikulengi walio chini ya miaka 18 bila ridhaa ya mzazi/mlinzi.

Mawasiliano: sales@qzat.co.tz, +255 756 500 006.

Uthibitisho: Kwa kuunda akaunti unakubali kufuata Masharti haya na Sheria za Tanzania.

Akaunti: Toa taarifa sahihi na linda PIN yako.

Matumizi: Hairuhusiwi udanganyifu au maudhui kinyume cha sheria.

Malipo: Unatupa ruhusa kushughulikia miamala kupitia washirika wetu.

Uwajibikaji: Hatutawajibika kwa hasara zisizo za moja kwa moja. Haki zako za kisheria haziondolewi.

Mabadiliko: Tunaweza kusasisha masharti haya.

Marejesho hufanyika tu kwa miamala ya kimakosa/iliyodhibitika marudufu ambayo haijakamilika. Ombi litumwe ndani ya saa 24 kwa sales@qzat.co.tz likiambatanisha rejea, kiasi, tarehe/muda na namba iliyotumika.

Tunatumia vidakuzi muhimu kwa usalama na usimamizi wa vikao. Ukizizima, baadhi ya vipengele havitafanya kazi.

Kuomba kufutwa kwa akaunti/data, tuma barua pepe kwa sales@qzat.co.tz ukitumia barua/namba uliyosajilia. Tutajibu ndani ya siku 7 kulingana na sheria.