1. Acceptance of Terms

Welcome to UMVA, operated by UMVA BUSINESS LTD, headquartered in Kicukiro, Masaka, Kigali – Rwanda. By accessing, browsing, or using umva.online (the "Website") or purchasing any of our hosting and related digital services ("Services"), you agree to be bound by these Terms of Service ("Terms") and all applicable laws and regulations. If you do not agree to these Terms, you must not use our Website or Services.

2. Eligibility

You must be at least 18 years old, or the age of legal majority in your jurisdiction, to use our Services. By using the Services, you represent and warrant that you meet these eligibility requirements and that all information you submit is accurate, current, and complete.

3. Accounts and Registration

• You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account.
• You agree to notify us immediately of any unauthorised access to or use of your account.
• We reserve the right to refuse service, terminate accounts, or cancel orders at our discretion and without prior notice if we suspect a violation of these Terms or unlawful activity.

4. Services, Billing, and Payment

• Our Services are sold in United States Dollars (USD) and are billed on a monthly basis unless otherwise agreed in writing.
• You agree to pay all fees and charges associated with your selected Services and any applicable taxes.
• Services may be renewed, upgraded, downgraded, or cancelled at any time in accordance with the selected plan and these Terms.
• All payments are processed securely through our payment partners. Prices and plan features are subject to change; we will provide reasonable notice of any material changes.
• Late or non-payment may result in service suspension and, ultimately, termination of your account and deletion of associated data.

5. Acceptable Use

You agree to use our Services lawfully and responsibly and to refrain from any activity that:

• Violates any applicable local, national, or international law or regulation;
• Infringes the intellectual property, privacy, or other rights of any third party;
• Involves the distribution of malware, viruses, phishing, or other malicious content;
• Constitutes reselling or sublicensing of our Services without prior written authorisation;
• Is fraudulent, deceptive, or intended to defraud us or any third party;
• Disrupts, damages, or interferes with our infrastructure or the experience of other users.

We reserve the right to suspend or terminate any account that engages in prohibited activity without notice or refund.

6. Intellectual Property

All content on the Website, including text, graphics, logos, images, software, and the overall design, is the property of UMVA or its licensors and is protected by applicable copyright and trademark laws. You may not copy, reproduce, modify, distribute, or create derivative works from any part of our Website or Services without our prior written consent.

7. Refunds and Cancellations

• You may cancel your Services at any time through your account or by contacting our support team.
• Refunds are issued in accordance with our refund policy, which we may update from time to time. Unless otherwise stated, fees already incurred for the current billing period are generally non-refundable.
• Cancellation does not automatically entitle you to a refund of prepaid amounts unless required by applicable law or our refund policy.

8. Limitation of Liability

To the maximum extent permitted by law, UMVA shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, data, goodwill, or other intangible losses, arising out of or in connection with your use of the Services. Our total aggregate liability arising from or relating to the Services shall not exceed the amount you actually paid to us during the three (3) months preceding the event giving rise to the claim.

9. Disclaimer of Warranties

Our Services are provided on an "as is" and "as available" basis, without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Services will be uninterrupted, error-free, or completely secure.

10. Indemnification

You agree to indemnify, defend, and hold harmless UMVA and its directors, officers, employees, and agents from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or in connection with your use of the Services, your violation of these Terms, or your infringement of any rights of a third party.

11. Privacy

Your use of our Services is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information. By using our Services, you consent to the collection and use of your information as described in the Privacy Policy.

12. Modifications to the Terms

We reserve the right to modify or update these Terms at any time at our sole discretion. Any changes will be effective immediately upon posting on this page. Your continued use of our Services following the posting of revised Terms constitutes your acceptance of those changes. We encourage you to review these Terms periodically.

13. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the Republic of Rwanda, without regard to conflict-of-law principles. Any disputes arising out of or relating to these Terms or our Services shall first be subject to good-faith negotiation, and, if unresolved, shall be submitted to the competent courts of Kigali, Rwanda.

14. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect, and the invalid provision shall be deemed modified to the minimum extent necessary to make it valid and enforceable.

15. Entire Agreement

These Terms, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and UMVA regarding your use of the Services and supersede all prior agreements and understandings.

16. Contact Us

If you have any questions about these Terms, please contact us at:

• Email: info@umva.online
• Phone: +250 780 817 402
• Address: Kicukiro, Masaka, Kigali – Rwanda