Terms of use

Last updated: 27 September 2026

These Terms govern your use of FLOTIKA (the mobile application, related APIs, and the website at flotika.co.tz), operated by Pedima ("we", "us") in the United Republic of Tanzania. By creating an account or using the service, you agree to these Terms.

1. The service

FLOTIKA provides tools for Tanzanian mobile-money agents, including registration, secure sign-in (phone + PIN), KYC capture, and Co-operative Bank account-opening journeys where enabled. Features may change as partners certify integrations.

Live money movement (float purchase, transfers, withdrawals against provider rails) remains disabled until Pedima completes required certification gates. Do not rely on the app for live settlement until we enable those features in a release notice.

2. Eligibility

You must be at least 18 years old
You must be able to lawfully operate as a mobile-money / agency business user in Tanzania
You must provide accurate identity information (including NIDA where required)

3. Your account

Your phone number is your primary login identifier
You must keep your PIN confidential and not share OTP codes
You are responsible for activity under your account until you report compromise to us
One person/business should not register duplicate NIDA identities to evade uniqueness controls

4. Acceptable use

You agree not to:

Use FLOTIKA for fraud, money laundering, or other unlawful activity
Attempt to bypass authentication, RBAC, or security controls
Probe, scrape, or attack our API or infrastructure without written authorisation
Misrepresent your identity or submit falsified KYC documents
Interfere with other agents' access or the integrity of audit records

5. Banking partners

Account opening and banking services are provided subject to Co-operative Bank Tanzania (and any other partner we disclose in-product) rules. Bank decisions, NIDA verification availability, and bank OTPs are outside Pedima's sole control. A FLOTIKA account is not itself a bank account.

6. Fees

The app listing is free to download. Any future fees for float, transfers, or partner services will be shown clearly before you confirm a chargeable action.

7. Intellectual property

FLOTIKA name, logos, software, and content are owned by Pedima or its licensors. You receive a limited, non-exclusive licence to use the app for its intended agent purposes. You may not copy, reverse engineer, or redistribute the app except as allowed by law.

8. Privacy

Personal data is handled as described in our Privacy policy. Account deletion is described at Delete account.

9. Disclaimers

The service is provided on an "as available" basis. We do not warrant uninterrupted access, especially where third-party bank, SMS, or network services fail. Nothing in the app is investment, legal, or tax advice.

10. Limitation of liability

To the maximum extent permitted by Tanzanian law, Pedima is not liable for indirect or consequential losses, or for losses caused by bank-side outages, incorrect information you submit, or unauthorised access resulting from shared PINs/OTPs. Our aggregate liability for claims relating to the app is limited to fees you paid to Pedima for FLOTIKA in the three months before the claim (or TZS 0 if you paid none).

11. Suspension and termination

We may suspend or close accounts that violate these Terms, present fraud risk, or as required by law or partners. You may request deletion at any time via https://flotika.co.tz/delete-account.

12. Governing law

These Terms are governed by the laws of the United Republic of Tanzania. Courts of Tanzania have jurisdiction, without prejudice to mandatory consumer protections that apply.

13. Contact

contact@flotika.co.tz · support@flotika.co.tz · https://flotika.co.tz