1. Using Umoja
[Placeholder] By creating an account, you agree to use Umoja to buy and sell digital knowledge products in good faith. This section will cover eligibility, account ownership, and acceptable use.
2. Creator responsibilities
[Placeholder] Creators are responsible for the accuracy of what they list, the content they deliver, and responding to buyers in reasonable time. This section will cover content ownership and platform fees.
3. Payments and MoMo
[Placeholder] Umoja processes payments through MTN Mobile Money. This section will cover how funds move, what Umoja's cut is, and payout timing.
4. Refunds and disputes
[Placeholder] This section will define what qualifies for a refund, the request window, and how disputes between buyers and creators get resolved.
5. Account suspension
[Placeholder] This section will cover the conditions under which Umoja may suspend or remove an account, and how to appeal.
1. What we collect
[Draft for legal review] We collect your name, email and phone number. When you sign up we also ask for your country and city, your education level and the skills you are interested in, so we can show you relevant courses. Creators can also share credential documents, which are kept in private storage and only seen by you, Umoja admins and the Creator Success team. If you save a mobile money number, we keep it so you can pay faster. We also keep payment confirmation details and your course progress. If you start checkout and do not finish, the Creator can see your name and that payment is pending, and may send you one friendly reminder.
2. How we use it
[Placeholder] To run your account, process payments, and send order-related communication. This section will confirm Umoja does not sell personal data.
3. Payment data
[Draft for legal review] Umoja never sees or stores your MoMo PIN. You approve payments on your phone. We store the phone number you choose to save and the confirmation of each payment. Card payments are not available yet.
4. Your choices
[Draft for legal review] You can update your details, remove a saved payment number, and turn off Creator nudges and checkout reminders in Settings. Every reminder also has a link to switch it off. You can opt out of the newsletter or ask us to delete your account at any time.
5. Contact us
[Placeholder] How to reach Umoja with a privacy question or concern.
