Terms & Conditions

Last Updated:

Welcome to Guto. By using our app or website, you agree to the following Terms & Conditions. Please read them carefully.

1. Acceptance of terms

By accessing or using Guto, you agree to these Terms.
If you do not agree, please stop using the app or website.

2. Use of the app

Guto is a borderless digital wallet designed to help users send, receive, and manage mobile money and digital payments across multiple regions.

You agree to:

  • Use the app legally and responsibly.

  • Not misuse or interfere with the service.

  • Not attempt to copy, reverse engineer, or exploit the app’s code, systems, or design.

3. User accounts

When you create an account or profile:

  • You must provide accurate, current, and complete information.

  • Keep your login and security details confidential.

  • Contact us immediately if you suspect unauthorized access.

We may suspend or terminate accounts that violate these Terms.

4. Personal data

Your privacy is important. All data collection, use, and processing are governed by our Privacy Policy.

By using Guto, you consent to the collection and processing of your personal data as described there.

5. Intellectual property

Guto’s brand, design, content, graphics, and code (and all related assets) are owned by the app’s developers. You may not:

  • Copy or reproduce app content.

  • Sell, rent, or distribute our materials.

  • Use our assets without explicit permission.

6. Service availability

We strive to keep Guto available, but we cannot guarantee:

  • No downtime.

  • Immediate fixes for bugs or issues.

  • That any feature will remain unchanged forever.

We may update or discontinue features at any time without notice.

7. AI-Generated suggestions

If the app offers AI-based recommendations or insights (for example, automated tips or analytics):

  • These are informational only.

  • They do not constitute financial, legal, medical, or professional advice.

  • You use these suggestions at your own discretion.

8. Limitation of liability

Guto is provided “as is.” We are not responsible for:

  • Loss of data.

  • Inaccurate suggestions or outcomes.

  • Interruptions in service or availability.

  • Any results from how you choose to use the app.

Your use of Guto is at your own risk.

9. Third-Party services

The app may integrate with or use third-party tools (e.g., analytics, cloud hosting, crash reporting).

These services have their own terms and privacy policies, which you should review separately.

10. Changes to terms

We may revise these Terms occasionally.

Updated versions will be posted within the app or on our website, along with a new “Last updated” date.

11. Contact us

If you have questions about these Terms & Conditions, Contact us.