This User Agreement is effective as of July 17th 2021, and describes the terms by which you will be bound when you use the Services accessible at or any of its applications and channels ("Service"). If you do not agree to be bound by these terms, please do not use the Service. You are agreeing to the terms of this agreement by using the Service.
As used throughout this Agreement, the terms "Lipi", "we", "us", and "our" refer to Culipa Limited, a company registered in Uganda, together with its subsidiaries, employees, directors, successors, and assignees.
The terms "you" and "your" refer to users of the Service, whether as Senders or Recipients.
"Terms of Service", "Terms of Use" and "User Agreement" shall from herein be referred to as "Agreement".

I. Service

We advise that you use the Service to send or receive money to or from friends, family, customers, or businesses. The Service allows users to send web links to individuals via messaging channels. These links once opened in a web browser or mobile application allows the link recipient to make payment that will be sent to the user. Once the payment has been processed and sent to the user, the party that received the link and made the payment is referred to as the "sender" and/or "payer". The user that generates the link is referred to the "recipient". A "transaction" refers to a successfully processed payment through the Service. The "Transaction Amount" is the amount in paid currency that the Sender processes via Lipi for transmittal to the recipient. The "Payout Amount" is the amount paid out to the recipient.

II. Eligibility of Service Use

You should have acquired at least the age of eighteen (18) years to create an account, access, or use the Service as a recipient, sender, or payer. You must be sound of mind and able to form legally binding contracts under applicable law. Other restrictions may apply as required in the jurisdiction you intend to use the Service from. You may not send, pay, or receive a transaction on behalf of any other person(s) or entity(s). If you make a Transaction, you are requesting that we process your Transaction, an offer that we may accept or reject at our sole discretion. Users may only have one active account. If we determine that a user is using multiple accounts, we reserve the right to merge or terminate one or more of the accounts, limit their use of the Service, or refuse their continued use of the Service.

III. Service Fees

With each Transaction you make, you are agreeing to pay us a "Service fee", in addition to the Transaction Amount. Payment is due at the time the transaction is submitted for processing. If you submit a transaction that results in us being charged chargeback fees, or other similar costs, you agree to reimburse Lipi for all such fees.
For us to process your transaction, you hereby authorize us to charge any of the payment instruments included in your payment profile including but not limited to the following: credit card, debit card, charge card, wallet account, bank account or any other financial
Service account you may hold and have associated to your Lipi Account. If your payment fails, you authorize us to attempt payment again one or more times using the same or other appropriately determined Payment Instrument if required depending on the nature of the payment being made such as in monthly subscriptions. You warrant that you are an authorized and lawful user of the Payment Instrument(s) you add to your Lipi account.
We are not responsible for any fees that may be charged by financial Service providers associated with your Payment Instruments. As an example, some credit/debit card issuers may treat the use of your card to use the Service as a "cash advance" or "ATM withdrawal" and may impose additional fees and interest cost for the transaction. Another example is some mobile money wallet providers or banks may charge undisclosed amounts on your payment instrument after usage of said payment instrument to make a transaction via specified channels such as online banking or USSD/STK push. Lipi is not responsible for any chargeback fees, or other, similar charges that might be imposed on you by your bank, credit card issuer, or other financial Service provider.

IV. Receiving Money

We work with local and international banks, mobile telecommunication companies, card scheme networks and other payment switch operators collectively termed as "Service Provider", to make funds available to recipients. As a sender, you are appointing your recipient as your agent for the purpose of receiving funds transmitted through the Service. We try to provide current information on our websites about the location, availability, and hours of our Service Providers. However, we are not responsible for any inaccurate or incomplete information that may be posted on the website.
Recipients will be required to prove their identities before receiving funds by presenting valid Government issued identification. To this effect, all fund receiving payment instrument used to receive funds will require verification against the supplied government issued identification. Recipients may be required to provide a reference number, transaction ID or another similar identifier associated with their Transactions.

V. Service Restrictions

We may refuse any Transaction or limit the amount to be transferred, either on a per transaction or aggregated basis. These limits may be imposed on individual user accounts or linked accounts. We reserve the right at any time to modify or discontinue all or any part of the Service.
Your Transaction(s) may be delayed by our effort to verify your identity and validate your Payment Instrument(s) and otherwise comply with applicable laws and/or manage our financial risk. You may be entitled to a refund in certain circumstances, and you may cancel your transaction at any time while it is pending.
You should not use the Service to pay for goods/Services or send money except to persons or businesses that you know. We are not responsible for, the quality or delivery of goods or Services that you pay for using the Service. You accept that using the Service to pay for goods and Services is at your own risk.
You may not use the Service in violation of this Agreement or applicable laws, rules or regulations in any jurisdiction in which we operate or in which a sender, payer or receiver is located. It is a violation of the Agreement to use the Service for any of the following: pornographic or sexually oriented materials or Services, gambling activities, fraud, money-laundering, funding of terrorist organizations, purchase or sale of tobacco, tobacco related paraphernalia, firearms, prescription drugs, or any other controlled substances; or to send money to a recipient that has violated the Agreement; or send money to sanctioned individuals or organisations. If you use the Service in connection with illegal conduct, Lipi will report you to relevant law enforcement.
We will refuse Transactions from certain Senders and to certain Recipients that are included on the Specially Designated Nationals list, Non-cooperative Countries and Territories list, and such other lists as issued by different Government agencies where we or any of our Service providers and partners operate.
We do not allow modification of the details of your Transaction once it's submitted to us for processing. It is your responsibility to make sure your Transaction details are accurate.
In connection with your use of our website or the Service, or during your interactions with Lipi, a user or a third party, you will not:
  • 1. Breach this Agreement, or any other agreement between you and Lipi
  • 2. Provide false, inaccurate, or misleading information
  • 3. Refuse to cooperate in an investigation or provide confirmation of your identity.
  • 4. Use an anonymizing proxy or internet protocol
  • 5. Provide yourself a cash advance from your credit card (or help others to do so)
  • 6. Use any automatic device, or manual process to monitor or copy our website or mobile application

VI. Collection and use of Personal Information

By agreeing to this Agreement, you acknowledge and consent to Lipi’s Privacy Policy
The law requires we obtain, verify, and record information about you. We may require that you provide us with non-public, personal identifying information. We may also lawfully obtain information about you from other sources without your knowledge, including non-personal identifying information that we may obtain while you visit this website or when using any of our Services.
We may provide information about you and your Transactions to Government authorities and law enforcement agencies, as described in our Privacy Policy.
You authorize us to make any inquiries, to you or to others, which are required to validate the information that you provide to us. This may include asking you for additional information, requiring you to take steps to confirm ownership of your email address or payment instruments, verifying your information against third party databases, or through other sources.

VII. Issue Resolution

Please reach out to us at any time in the event that you encounter any issues with the Service. You can contact us using the contact information at the bottom of this Agreement to resolve any issues.
You can cancel your transaction at any time prior to its payment by a payer/sender. Completion means that your recipient claimed the money you sent either through wallet delivery, cash pick-up or bank account deposit. The Transaction Amount will not be refunded after completion. If, however, you are not satisfied with our Service for any reason we will always refund the fee amount. All refunds will be credited to the same Payment Instrument used to pay for the Transaction.

VIII. Lipi Intetllectual Property

You acknowledge that the Service, including the content of this website, associated mobile applications, text, graphics, logos, and images, as well as all other Lipi copyrights, trademarks, logos, and product and Service names are owned exclusively by Culipa Limited. (the "Lipi Intellectual Property"). You agree not to display, use, copy, or modify the Lipi Intellectual Property in any manner.
You further agree not to:
  • (i). Use any robot, spider, scraper, or other automated device to access the Service
  • (ii). Remove or alter any author, trademark or other proprietary notice or legend displayed on this website (or printed pages thereof)
  • (iii). Infringe Lipi’s or any third party's copyright, patent, trademark, trade secret or other intellectual property rights, or rights of publicity or privacy

IX. Disclaimer on Warranties

We make reasonable efforts to ensure that Transactions are processed in a timely manner, but we make no representations nor warranties regarding the time needed to complete processing as the Service is dependent on numerous factors outside our control. Some jurisdictions do not allow the disclaimer of implied warranties, so the foregoing disclaimer may not apply to you.

X. Indemnity

You agree to indemnify and hold Lipi, Service Providers, and their respective subsidiaries, officers, agents, partners, and employees harmless from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of your use of the Service, your connection to the Service, your violation of the Agreement, or your violation of any rights of another.

XI. Limitation of Liability

In no event shall Lipi, Service providers, or their respective subsidiaries, officers, agents, partners, or employees be liable for any direct, indirect, incidental, special, consequential or exemplary damages beyond the sum of $250.00 (in addition to refunding the transaction amount and Service fees), including but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses (even if Lipi has been advised of the possibility of such damages) resulting from negligence on the part of Lipi, disbursement partners, or their respective subsidiaries, officers, agents, partners, or employees.

XII. Governing Law and Dispute Resolution

This Agreement shall be governed according to the laws of the Republic of Uganda.
If a dispute arises between you and Lipi, our goal is to learn about and address your concerns. If we are unable to address your concerns to your satisfaction, we will seek to provide you with a neutral and cost-effective means of resolving the dispute quickly. Disputes between you and Lipi regarding the Service may be reported online to Customer Service; by telephone at +256776225475 or by emailing us at
You and Lipi agree that any Claim will be settled by binding arbitration. If a party elects’ arbitration, that party will initiate such arbitration through an established alternative dispute resolution provider mutually agreed upon by the parties.
The ADR provider and the parties must comply with the following rules:
  • (a). The arbitration shall be conducted by telephone, online and/or be solely based on written submissions, the specific manner shall be chosen by the party initiating the arbitration.
  • (b). The arbitration shall not involve any personal appearance by the parties or witnesses unless otherwise mutually agreed by the parties.
  • (c). The arbitrator may not consolidate more than one person's claims and may not otherwise preside over any form of any class or representative proceeding.
  • (d). any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction. You acknowledge and agree that you and Lipi are each waiving the right to a trial or to participate as a plaintiff or class member in any purported class action or representative proceeding.

If your claim does not seek an award of more than $1,000, Lipi will pay the fees associated with arbitration unless the arbitrator finds that either the substance of your Claim or the relief sought to be frivolous or brought for an improper purpose. If you prevail in arbitration, you may be entitled to an award of attorneys' fees and expenses, to the extent provided under applicable law. Lipi will not seek, and hereby waives all rights it may have under applicable law to recover, attorneys' fees and expenses if it prevails in arbitration unless the arbitrator finds that either the substance of your Claim or the relief sought to be frivolous or brought for an improper purpose.

XIII. Communication

You acknowledge that this Agreement shall be entered into electronically, and that the following categories of information ("Communications") may be provided by electronic means:
  • (a). this Agreement and any amendments, modifications or supplements to it
  • (b). Your records of transactions through the Service
  • (c). Any initial, periodic or other disclosures or notices provided in connection with the Service, including without limitation those required by law
  • (d). Any customer service communications, including without limitation communications with respect to claims of error or unauthorized use of the Service
  • (e). Any other communication related to the Service or Lipi.

Communications may be provided to you using auto-dialled or pre-recorded message calls or text messages at the telephone number(s) that you provide us with. We may contact you directly or we may share your phone number with Service providers with whom we contract to provide such Communications. Standard telephone minute and text charges may apply. The hardware and software requirements for access to and retention of the Communications associated with the Service include a personal computer or other device which can access the Internet; an Internet Web Browser; and a printer or other device capable of printing and/or retaining agreements and documents.
You may withdraw your consent to receive Communications electronically, but if you do, your use of the Service shall be terminated. To withdraw your consent, you must contact us using our contact information at the end of this Agreement.

XIV. Miscellaneous

The Agreement constitutes the entire agreement between you and Lipi and governs your use of the Service, superseding any prior agreements between you and Lipi.
The failure of Lipi to exercise or enforce any right or provision of the Agreement shall not constitute a waiver of such right or provision. If any provision of the Agreement is found by an arbitrator or court of competent jurisdiction to be invalid, the parties nevertheless agree that the arbitrator or court should endeavour to give appropriately valid effect to the intention of the Agreement as reflected in the provision, and the other provisions of the Agreement shall remain in full force and effect.
We shall not be liable for any failure or delay in the performance of the Service to the extent such failure or delay is caused by matters beyond our reasonable control, including, without limitation: changes in applicable laws; closure or unavailability of required physical and network infrastructure; sovereign default; power or internet failure; civil unrest; war; unfavourable government decrees and executive orders/actions; earthquake, fire, flood, pandemics, epidemics, or other natural disasters.
We may modify this Agreement from time to time without notice to you. You can review the most current version of the Agreement at any time by reviewing this website. You may terminate your use of the Service if you do not agree with any modification or amendment. If you use the Service after the effective date of an amendment or modification, you shall be deemed to have accepted that amendment or modification. You agree that you shall not modify this Agreement and acknowledge that any attempts by you to modify this Agreement will be null and void.
This Agreement may be supplemented by terms applicable to other promotions, our Referral Program, and other terms applicable to you based upon your use of the Service. These terms are incorporated into this Agreement by reference. To the extent that any of these terms are determined to conflict with this Agreement, this Agreement will take precedence.

XV. Security

Your security is very important to Lipi, and we use a variety of security measures to make sure that your information is secure. We urge you to think carefully before sending or requesting money from anyone that you do not know well enough. In particular, you should be cautious of deals or offers that seem too good to be true. Lipi will only use the and domain URLs, if any website purporting to be Lipi is operating on any other domain other than these two, it is most likely a scam or fraud. If you think you have been or might be a victim of fraud, please contact us immediately If you receive any fake (phishing) emails, purporting to be from Lipi, please forward them to us at

XVI. Language

This Agreement is drafted in the English language and translations may be provided in other languages. You agree that the English version of the Agreement hold precedence in the event of any inconsistency between the English and translated versions in any dispute arising from or in relation to this agreement.

XVII. Contact Information

Questions, notifications, and requests for refunds or further information can be sent to Lipi, as follows by telephone at +256776225475 or by emailing