Terms of Use

Last updated: 19 October 2026

These Terms of Use ("Terms") apply to the LUNO apps for Android and iPhone (the "App"), made by LUNO Mwanajando Technologies Co. Limited ("LUNO", "we", "us"), BRELA registration number 206903325, Kalenga Street, Upanga West, Dar es Salaam, Tanzania. By creating an account or using the App, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the App.

1. What LUNO Is, and What It Is Not

LUNO is a payment ledger between a vehicle owner and a driver. It records the agreement and the payments made under it, and calculates progress from what you enter. A driver can also keep a record of their own agreement without an owner on LUNO.
LUNO is for owners and drivers of any vehicle type, in whatever currency the owner and driver agree.
LUNO is not a lender. It does not provide finance, hold or move money, or collect payments.
LUNO is not a party to your contract. The agreement (price, tenure, rate, currency and any other terms) is between the owner and the driver alone. LUNO does not guarantee that anyone will pay, deliver a vehicle or keep their agreement, and does not settle disputes between owners and drivers.
Scores, rankings, reports and Kiongozi notes are calculated from the records you enter. They are information, not financial, legal or credit advice, and not a guarantee about anyone.

2. Who Can Use LUNO

You must be at least 18 years old.
LUNO is for real vehicle owners and drivers recording real agreements. Test or placeholder accounts may be closed (section 8).
Give accurate account details, keep your sign-in secure, and do not let others use your account. You are responsible for what is done with your account.

3. Your Records

You are responsible for the accuracy of everything you record: vehicles, contracts, payments, references, dates, explanations and the details of other people.
On an owner's contract, the owner verifies or rejects the driver's payments; the driver cannot verify their own. On a driver's own record (no owner on LUNO), the driver verifies their own payments.
Payments are never silently edited or deleted. A correction or rejection always leaves a trace in the history.
LUNO may refuse a payment that cannot be right, for example one with a transaction reference that was already used, or one above what is left to pay on the contract.
If you enter another person's name or phone number, you must have the right to do so and must let them know (see the Privacy Policy).

4. No Vehicle Without a Named Driver

Every vehicle contract on LUNO must name its driver. The driver does not need to use LUNO: an owner can record the driver's name and phone number and invite the driver to join later with an invite code. LUNO does not accept idle or driverless contracts, and asks for the driver's name on any older contract saved without one.

5. Completed and Silent Contracts

A completed contract leaves the active dashboard but stays in your history. It is never deleted.
When a contract has no payment and no explanation for 30 days, the App asks you to explain ("Eleza") and we send a warning email. After 60 days it becomes dormant: hidden and read-only, with nothing deleted. A new payment, an explanation or a driver joining reopens it.

6. AI and Automatic Features

Reading a pasted SMS, importing a notebook page and Kiongozi's weekly notes are aids only. You must check every payment before you save or verify it. Notebook lines are saved as pending until they are verified. AI never verifies or changes a payment or a contract. Details are in the Privacy Policy.

7. Statements and Certificates

You choose when to share a statement or a completion certificate, and with whom. Documents you can share never show the purchase price or profit. You are responsible for sharing them only with people entitled to see them.

8. Closing an Account

8.1 By you

You can delete your account at any time in the App (Settings → Delete Account). Deletion is immediate and cannot be undone. An owner must first close active contracts with drivers. Contracts and payments you share with another person stay in their ledger, with your name removed.

8.2 Accounts with no real vehicle or contract

An account that has never had a vehicle, a contract or a payment receives reminders on day 7 and day 12 and is deleted on day 14, at least 2 days after the day-12 reminder reached you. An account that existed before this rule started first receives a notice giving it 14 days. We never delete an account without a warning that actually reached you, and never delete an account with contract history this way. These automatic steps start on a date we announce in the App.

8.3 By us

We may suspend or close an account that breaks these Terms, for example by recording false payments or misusing other people's data. Where it is reasonable, we will warn you first and give you a chance to fix the problem. We may act at once in cases of fraud, abuse or a legal requirement.

9. Acceptable Use

You must not:

record false contracts, fake payments or references that are not yours;
pretend to be someone else, or enter another person's details without the right to do so;
use LUNO to threaten, harass or shame anyone, or to collect debts by intimidation;
try to see or change data that is not yours, or get around LUNO's security or limits;
copy, scrape, overload, reverse engineer or resell the App or its data;
use LUNO for anything unlawful under the laws of Tanzania.

10. Fees

The App is currently free to use. If we introduce paid features, we will tell you before any charge applies to you.

11. Availability

We work to keep LUNO available and accurate, but we provide the App "as is". It may sometimes be unavailable, for example during maintenance or when your phone is offline. On Android, payments recorded without internet are saved on your phone and synced when you are back online. On iPhone, saved records can be viewed offline, but recording a payment needs a connection.

12. Limitation of Liability

LUNO is not responsible for agreements between owners and drivers, for payments that are made or missed, for the condition, loss or use of any vehicle, or for disputes between users.
LUNO is not responsible for losses caused by inaccurate, incomplete or late records entered by users.
To the extent the law of Tanzania allows, LUNO is not liable for indirect or consequential losses, such as lost income or lost profit, and LUNO's total liability to you is limited to the amount you paid LUNO in the 12 months before the claim.
Nothing in these Terms limits any liability that cannot be limited under the law of Tanzania, or your rights under the Personal Data Protection Act, 2022.

13. Intellectual Property

The App, its design and the LUNO name and logo belong to LUNO Mwanajando Technologies Co. Limited. Your records remain yours.

14. Governing Law and Disputes

These Terms are governed by the laws of the United Republic of Tanzania. If you have a complaint, contact us first and we will try to resolve it within 30 days. Any dispute that is not resolved will be decided by the courts of Tanzania.

15. Changes to These Terms

When we change these Terms, we update the date at the top. We announce important changes in the App or by email at least 14 days before they take effect, unless a change is needed sooner for legal or security reasons. If you keep using LUNO after a change takes effect, you accept the new Terms. If you do not accept them, you can delete your account.

16. Contact Us

Company: LUNO Mwanajando Technologies Co. Limited (BRELA 206903325)
Address: Kalenga Street, Upanga West, Dar es Salaam, Tanzania
Email: hello@lunomj.com
WhatsApp: +255 785 431 978

Masharti ya Matumizi (Kiswahili)

Imesasishwa: 19 Oktoba 2026

Masharti haya ya Matumizi ("Masharti") yanahusu programu za LUNO za Android na iPhone ("Programu"), zinazotengenezwa na LUNO Mwanajando Technologies Co. Limited ("LUNO", "sisi"), namba ya usajili BRELA 206903325, Mtaa wa Kalenga, Upanga Magharibi, Dar es Salaam, Tanzania. Kwa kufungua akaunti au kutumia Programu, unakubali Masharti haya na Sera yetu ya Faragha. Kama hukubali, usitumie Programu.

1. LUNO ni Nini, na Si Nini

LUNO ni daftari la malipo kati ya mmiliki wa chombo na dereva. Hurekodi makubaliano na malipo yanayofanywa chini yake, na huhesabu maendeleo kutokana na unachoweka. Dereva anaweza pia kuweka rekodi ya makubaliano yake mwenyewe bila mmiliki kuwa kwenye LUNO.
LUNO ni kwa wamiliki na madereva wa aina yoyote ya chombo, kwa sarafu yoyote ambayo mmiliki na dereva wamekubaliana.
LUNO si mkopeshaji. Haitoi mikopo, haihifadhi wala haihamishi pesa, na haikusanyi malipo.
LUNO si sehemu ya mkataba wenu. Makubaliano (bei, muda, kiwango, sarafu na masharti mengine yoyote) ni kati ya mmiliki na dereva peke yao. LUNO haihakikishi kwamba mtu yeyote atalipa, atakabidhi chombo au atatimiza makubaliano yake, na haiamui migogoro kati ya wamiliki na madereva.
Alama, madaraja, ripoti na taarifa za Kiongozi huhesabiwa kutokana na rekodi unazoweka. Ni taarifa tu, si ushauri wa kifedha, wa kisheria wala wa mikopo, na si dhamana kuhusu mtu yeyote.

2. Nani Anaweza Kutumia LUNO

Lazima uwe na umri wa miaka 18 au zaidi.
LUNO ni kwa wamiliki na madereva halisi wanaorekodi makubaliano halisi. Akaunti za majaribio au zisizo za kweli zinaweza kufungwa (sehemu ya 8).
Toa taarifa sahihi za akaunti, linda njia yako ya kuingia, na usimruhusu mtu mwingine kutumia akaunti yako. Unawajibika kwa yanayofanywa kwa akaunti yako.

3. Rekodi Zako

Unawajibika kwa usahihi wa kila unachorekodi: vyombo, mikataba, malipo, namba za muamala, tarehe, maelezo na taarifa za watu wengine.
Kwenye mkataba wa mmiliki, mmiliki ndiye anayethibitisha au kukataa malipo ya dereva; dereva hawezi kuthibitisha malipo yake mwenyewe. Kwenye rekodi ya dereva mwenyewe (bila mmiliki kwenye LUNO), dereva huthibitisha malipo yake mwenyewe.
Malipo hayabadilishwi wala hayafutwi kimyakimya. Marekebisho au kukataliwa huacha alama kwenye historia daima.
LUNO inaweza kukataa malipo yasiyoweza kuwa sahihi, kwa mfano yenye namba ya muamala iliyokwisha kutumika, au yanayozidi kiasi kilichobaki kulipwa kwenye mkataba.
Ukiweka jina au namba ya simu ya mtu mwingine, lazima uwe na haki ya kufanya hivyo na lazima umjulishe (angalia Sera ya Faragha).

4. Hakuna Chombo Bila Dereva Aliyetajwa

Kila mkataba wa chombo kwenye LUNO lazima utaje dereva wake. Dereva hahitaji kutumia LUNO: mmiliki anaweza kurekodi jina na namba ya simu ya dereva na kumwalika ajiunge baadaye kwa msimbo wa mwaliko. LUNO haikubali mikataba isiyo na dereva, na huomba jina la dereva kwa mkataba wowote wa zamani uliohifadhiwa bila jina hilo.

5. Mikataba Iliyokamilika na Isiyorekodiwa

Mkataba uliokamilika huondoka kwenye dashibodi ya mikataba hai lakini hubaki kwenye historia yako. Kamwe haufutwi.
Mkataba ukikaa siku 30 bila malipo wala maelezo, Programu hukuomba ueleze ("Eleza") na tunakutumia barua pepe ya tahadhari. Baada ya siku 60 mkataba hulala: hufichwa na historia yake inasomeka tu, bila chochote kufutwa. Malipo mapya, maelezo au dereva kujiunga huufungua tena.

6. Akili Bandia na Huduma za Kiotomatiki

Kusoma SMS uliyobandika, kuleta ukurasa wa daftari na taarifa za wiki za Kiongozi ni msaada tu. Lazima uhakiki kila malipo kabla ya kuyahifadhi au kuyathibitisha. Mistari ya daftari huhifadhiwa ikisubiri hadi ithibitishwe. AI kamwe haithibitishi wala haibadilishi malipo au mkataba. Maelezo zaidi yako kwenye Sera ya Faragha.

7. Taarifa za Malipo na Vyeti

Wewe ndiye unayeamua lini na kwa nani kushiriki taarifa ya malipo au cheti cha kukamilisha. Nyaraka unazoweza kushiriki hazionyeshi kamwe bei ya ununuzi wala faida. Unawajibika kuzishiriki tu na watu wenye haki ya kuziona.

8. Kufunga Akaunti

8.1 Na wewe

Unaweza kufuta akaunti yako wakati wowote ndani ya Programu (Mipangilio → Futa Akaunti). Ufutaji ni wa papo hapo na hauwezi kurudishwa. Mmiliki lazima kwanza afunge mikataba hai yenye madereva. Mikataba na malipo unayoshiriki na mtu mwingine hubaki kwenye daftari lake, jina lako likiondolewa.

8.2 Akaunti zisizo na chombo wala mkataba halisi

Akaunti ambayo haijawahi kuwa na chombo, mkataba wala malipo hupokea vikumbusho siku ya 7 na ya 12 na hufutwa siku ya 14, angalau siku 2 baada ya kikumbusho cha siku ya 12 kukufikia. Akaunti iliyokuwepo kabla kanuni hii haijaanza hupokea kwanza taarifa ya siku 14. Kamwe hatufuti akaunti bila tahadhari iliyokufikia kweli, na kamwe hatufuti kwa njia hii akaunti yenye historia ya mkataba. Hatua hizi za kiotomatiki zitaanza tarehe tutakayoitangaza ndani ya Programu.

8.3 Na sisi

Tunaweza kusimamisha au kufunga akaunti inayovunja Masharti haya, kwa mfano kwa kurekodi malipo ya uongo au kutumia vibaya taarifa za watu wengine. Pale inapofaa, tutakuonya kwanza na kukupa nafasi ya kurekebisha tatizo. Tunaweza kuchukua hatua mara moja katika hali ya udanganyifu, matumizi mabaya au matakwa ya kisheria.

9. Matumizi Yanayokubalika

Hupaswi:

kurekodi mikataba ya uongo, malipo bandia au namba za muamala zisizo zako;
kujifanya mtu mwingine, au kuweka taarifa za mtu mwingine bila haki ya kufanya hivyo;
kutumia LUNO kumtishia, kumnyanyasa au kumuaibisha mtu yeyote, au kudai madeni kwa vitisho;
kujaribu kuona au kubadilisha taarifa zisizo zako, au kukwepa ulinzi au mipaka ya LUNO;
kunakili, kuvuna taarifa kwa mashine, kuelemea, kuchambua msimbo au kuuza upya Programu au taarifa zake;
kutumia LUNO kwa jambo lolote lisilo halali chini ya sheria za Tanzania.

10. Ada

Kwa sasa Programu ni bure kutumia. Tukianzisha huduma za kulipia, tutakujulisha kabla malipo yoyote hayajakuhusu.

11. Upatikanaji

Tunajitahidi LUNO ipatikane na iwe sahihi, lakini tunatoa Programu "kama ilivyo". Wakati mwingine inaweza isipatikane, kwa mfano wakati wa matengenezo au simu yako ikiwa haina mtandao. Kwenye Android, malipo yanayorekodiwa bila mtandao huhifadhiwa kwenye simu yako na husawazishwa mtandao ukirudi. Kwenye iPhone, rekodi zilizohifadhiwa zinaweza kuonekana bila mtandao, lakini kurekodi malipo kunahitaji mtandao.

12. Kikomo cha Uwajibikaji

LUNO haiwajibiki kwa makubaliano kati ya wamiliki na madereva, kwa malipo yaliyofanywa au yasiyofanywa, kwa hali, upotevu au matumizi ya chombo chochote, wala kwa migogoro kati ya watumiaji.
LUNO haiwajibiki kwa hasara zinazotokana na rekodi zisizo sahihi, zisizokamilika au zilizochelewa zilizowekwa na watumiaji.
Kwa kadiri sheria za Tanzania zinavyoruhusu, LUNO haiwajibiki kwa hasara zisizo za moja kwa moja au zinazofuata, kama kupoteza kipato au faida, na jumla ya uwajibikaji wa LUNO kwako ni kiasi ulicholipa LUNO katika miezi 12 kabla ya madai.
Hakuna kitu katika Masharti haya kinachopunguza uwajibikaji usioweza kupunguzwa chini ya sheria za Tanzania, wala haki zako chini ya Sheria ya Ulinzi wa Taarifa Binafsi ya mwaka 2022.

13. Haki Miliki

Programu, muundo wake, na jina na nembo ya LUNO ni mali ya LUNO Mwanajando Technologies Co. Limited. Rekodi zako zinabaki kuwa zako.

14. Sheria Inayotumika na Migogoro

Masharti haya yanaongozwa na sheria za Jamhuri ya Muungano wa Tanzania. Ukiwa na malalamiko, wasiliana nasi kwanza na tutajitahidi kuyatatua ndani ya siku 30. Mgogoro wowote usiotatuliwa utaamuliwa na mahakama za Tanzania.

15. Mabadiliko ya Masharti Haya

Tunapobadilisha Masharti haya, tunasasisha tarehe iliyo juu. Tunatangaza mabadiliko muhimu ndani ya Programu au kwa barua pepe angalau siku 14 kabla hayajaanza kutumika, isipokuwa mabadiliko yanahitajika mapema kwa sababu za kisheria au za usalama. Ukiendelea kutumia LUNO baada ya mabadiliko kuanza, unakubali Masharti mapya. Kama huyakubali, unaweza kufuta akaunti yako.

16. Wasiliana Nasi

LUNO Mwanajando Technologies Co. Limited (BRELA 206903325)
Mtaa wa Kalenga, Upanga Magharibi, Dar es Salaam, Tanzania
Barua pepe: hello@lunomj.com
WhatsApp: +255 785 431 978