Terms and Conditions

Effective Date: 15 April 2026 · Last Updated: 15 April 2026

1.About Chapsmart

These Terms and Conditions (“Terms”) form a binding agreement between Chapsmart Payments (hereinafter “Chapsmart”, “we”, “us” or “our”) and any person who registers for or uses our Services (“User” or “you”).

Chapsmart is a business duly registered with the Business Registrations and Licensing Agency (BRELA) under Registration Number 638852, and operates exclusively within the United Republic of Tanzania. We operate a regulated-ecosystem bridge that converts Bitcoin (received via the Bitcoin Lightning Network) into Tanzanian Shillings (TZS) and delivers the proceeds to recipients in Tanzania through licensed mobile money channels, and vice versa. All of our domestic transactions are settled exclusively in Tanzanian Shillings (TZS), which is the sole legal tender of the United Republic of Tanzania under Section 26 of the Bank of Tanzania Act, 2006 (as amended by the Finance Act, 2024).

Location: Kilimanjaro, Moshi, United Republic of Tanzania.
Contact: support@chapsmart.com · www.chapsmart.com

2.Scope of Services

Chapsmart provides three core services within the territory of the United Republic of Tanzania. All disbursements to recipients in Tanzania are made exclusively in Tanzanian Shillings (TZS) through licensed mobile money channels.

Service	Direction
Remittance	Bitcoin → M-Pesa (TZS)
Airtime	Bitcoin → Airtime
Buy Sats	M-Pesa (TZS) → Bitcoin

Transaction amount limits apply to each Service and are displayed in the Platform at the time of transaction. Chapsmart may adjust these limits from time to time at its discretion, based on operational, risk, or regulatory considerations. The limits in effect at the point of transaction shall apply.

Chapsmart acts as a bridge between the Bitcoin Lightning Network and Tanzania’s licensed financial infrastructure. We do not hold, store, or take custody of user funds beyond the short time strictly necessary to complete each transaction. We are not a wallet, savings service, deposit-taking institution, or lender.

3.Authorized Business Activities

Chapsmart is authorized to operate under the following International Standard Industrial Classification (ISIC) codes, as recorded in our BRELA Extract from Register (Form 21, Registration No. 638852):

• ISIC 6499 — Other financial service activities, except insurance and pension funding activities, n.e.c. (Main activity)
• ISIC 6619 — Other activities auxiliary to financial service activities (Main activity)
• ISIC 6209 — Other information technology and computer service activities
• ISIC 6399 — Other information service activities n.e.c.

Chapsmart also holds a valid municipal business license authorizing “Huduma ya Miamala ya Simu na Huduma Ndogo za Kibenki” (Mobile Transaction Services and Small Banking Services), which is renewed annually in accordance with the Business Licensing Act, 1972 (Act No. 25).

4.Legal Framework Governing Chapsmart’s Operations

This section sets out the specific Tanzanian legal framework under which Chapsmart operates, and the basis on which our Services are lawful and compliant. We believe in transparency: our users deserve to know exactly where we stand under Tanzanian law.

4.1 Tanzanian Shilling as Sole Legal Tender

The Tanzanian Shilling (TZS) is the sole legal tender of the United Republic of Tanzania. This is established under:

• Sections 26 and 27 of the Bank of Tanzania Act, 2006 — which grant the Bank of Tanzania exclusive authority to issue banknotes and coins and to declare legal tender in the country.
• Section 26(2) of the Bank of Tanzania Act, 2006, as amended by the Finance Act, 2024 — which provides that transacting domestically in any currency other than the Tanzanian Shilling issued by the Bank of Tanzania is an offence.
• The Foreign Exchange Regulations, 2025 (Government Notice No. 198 of 2025, effective 28 March 2025) — which require all domestic transactions to be settled in Tanzanian Shillings, subject to limited statutory exemptions.

How Chapsmart complies: Every domestic disbursement made by Chapsmart to a Tanzanian recipient is in Tanzanian Shillings (TZS). Chapsmart does not price, invoice, disburse, or settle any domestic transaction in Bitcoin, US Dollars, or any other non-TZS currency. Our service model converts Bitcoin received from senders into TZS before any payment is made inside Tanzania, thereby supporting the circulation and use of TZS in the domestic economy.

4.2 Bank of Tanzania Public Notice on Cryptocurrency (12 November 2019)

On 12 November 2019, the Bank of Tanzania (BoT) issued a Public Notice cautioning members of the public against trading, marketing, or using virtual currencies on the basis that such activities were contrary to the then-existing foreign exchange regulations, and reiterating that the Tanzanian Shilling is the sole legal tender of Tanzania. The BoT re-affirmed this position in subsequent communications.

How Chapsmart addresses this notice: Chapsmart does not treat Bitcoin as legal tender in Tanzania, does not market Bitcoin as a means of payment for domestic transactions, and does not disburse Bitcoin to recipients inside Tanzania as payment for goods or services. Chapsmart uses Bitcoin only as an input at the sender side of a transaction originating outside Tanzania (for Remittance and Airtime) or as an output delivered to a user’s external Lightning wallet (for Buy Sats). Our model reinforces TZS as the sole domestic medium of exchange, rather than substituting for it.

4.3 Finance Act, 2024 — Statutory Recognition of Digital Assets for Tax Purposes

The Finance Act, 2024 (effective 1 July 2024) introduced the first formal statutory recognition of digital assets in Tanzanian law, specifically by amending the Income Tax Act (Cap. 332) as follows:

• Section 83C of the Income Tax Act (Cap. 332): Imposes a 3% withholding tax on payments made by resident or non-resident persons who own a digital asset exchange platform, or who facilitate the exchange or transfer of a digital asset, to a resident person in respect of the exchange or transfer of such digital asset.
• Statutory definition of “digital asset”: Anything of value that is not tangible, including cryptocurrencies, token codes, and numbers held in digital form and generated through cryptographic means or any other means, by whatever name called, providing a digital representation of value that can be transferred, stored, or exchanged electronically.

How Chapsmart complies: Chapsmart is registered with the Tanzania Revenue Authority for tax purposes. We apply the 3% withholding tax to every qualifying digital asset transaction, collect it at the point of transaction, and remit it to the TRA as required by law. The withholding tax is disclosed transparently in our Fees section below.

4.4 Yellow Card Tanzania Ltd v. Nyamwero Michael Nyamwero (2024) — Judicial Precedent

1. The validity of a contract is independent of whether its subject matter is regulated. The mere absence of a bespoke regulatory framework does not render a contract involving cryptocurrency invalid.
2. Cryptocurrency transactions are not inherently illegal in Tanzania. Service providers and users engaged in cryptocurrency transactions are required to comply with existing taxation and financial laws; where they do so, their transactions cannot be declared unlawful.
3. Virtual currency transactions become unlawful only if linked to money laundering, terrorism financing, or other illicit activities.

How this supports Chapsmart: Chapsmart’s operations are fully aligned with the principles established in the Yellow Card precedent. We are registered with BRELA, licensed by Moshi Municipal Council, and registered with the TRA for tax purposes. We comply with the 3% withholding tax introduced by the Finance Act, 2024, and we maintain active anti-money laundering and counter-terrorism-financing procedures. Our contracts with Users, and the transactions we process, are therefore valid and enforceable under Tanzanian law as interpreted by the High Court in the Yellow Card Precedent.

4.5 Executive Policy Direction

In June 2021, Her Excellency President Samia Suluhu Hassan publicly urged the Bank of Tanzania to “be prepared” for the advent of cryptocurrencies and blockchain technology, in line with global trends, to ensure Tanzania is not caught unprepared by global financial innovation. This executive direction has informed subsequent policy developments including the Finance Act, 2024, and the Bank of Tanzania’s ongoing research into Central Bank Digital Currency (CBDC). Chapsmart operates in a manner consistent with this forward-looking policy direction, while strictly respecting the legal status of TZS as sole legal tender.

4.6 Summary Table of Applicable Laws

Law / Instrument	Key Provision Relevant to Chapsmart
Bank of Tanzania Act, 2006 (as amended)	Sections 26 & 27 — TZS as sole legal tender; BoT as sole issuing authority. Section 26(2) as amended by Finance Act 2024 — non-TZS domestic transacting is an offence.
Foreign Exchange Regulations, 2025 (GN 198 of 2025)	All domestic transactions must be settled in TZS, subject to limited exemptions.
Finance Act, 2024	Amended Income Tax Act (Cap. 332) to introduce Section 83C — 3% withholding tax on digital asset transfers; statutory definition of “digital asset”.
National Payment Systems Act, 2015	Regulates payment systems; requires BoT licensing for payment system providers. Chapsmart operates through licensed payment partners authorized under this Act.
Anti-Money Laundering Act, 2006 (Cap. 423 R.E. 2022)	Requires Chapsmart to maintain AML/CFT procedures, monitor suspicious transactions, and cooperate with the Financial Intelligence Unit (FIU).
Business Names (Registration) Act (Cap. 213)	Basis of Chapsmart’s BRELA registration (No. 638852).
Business Licensing Act, 1972 (Act No. 25)	Basis of Chapsmart’s Moshi Municipal Business License.
Income Tax Act (Cap. 332)	General income tax obligations; Section 83C on digital assets.
Value Added Tax Act, 2014	VAT obligations where applicable.
Yellow Card Tanzania Ltd v. Nyamwero (HCTZ Comm. Case No. 12171 of 2024)	Judicial confirmation that cryptocurrency transactions are not inherently illegal when operators comply with tax and financial laws.

5.Operating Model — Working with Licensed Payment Partners

Chapsmart processes all M-Pesa disbursements and Tanzanian payment flows through licensed third-party payment partners that hold the relevant authorizations from the Bank of Tanzania under the National Payment Systems Act, 2015, and the Payment Systems (Licensing and Approval) Regulations, 2015. These partners include, but are not limited to, licensed Payment System Providers (PSPs), Mobile Network Operators (MNOs), and telecom service platforms.

By operating through these licensed channels, every transaction processed by Chapsmart flows through a fully regulated segment of Tanzania’s national payment system. This structure ensures that customer funds are handled through supervised, audited, and compliant infrastructure at every stage, consistent with Section 15 of the National Payment Systems Act, 2015, and the BoT’s additional requirements set out in its notice LB.178/179/01/8 of 15 October 2019.

6.Definitions

• Account Number: The unique 16-digit number assigned to your User Account upon registration, which serves as your login credential and account identifier.
• Bridge: Chapsmart’s function as an intermediary that facilitates the conversion between Bitcoin and TZS. Chapsmart does not hold, store, or take custody of user funds beyond the time required to complete the transaction.
• Business Day: An official working day in Tanzania, typically Monday to Friday, excluding public holidays.
• Chapsmart / Company / We: Chapsmart Payments, a business registered with the Business Registrations and Licensing Agency (BRELA) under Registration No. 638852, operating from Kilimanjaro, Moshi, United Republic of Tanzania.
• Digital Asset: As defined under the Finance Act, 2024, anything of value that is not tangible, including cryptocurrencies, token codes, and numbers held in digital form and generated through cryptographic means or any other means, providing a digital representation of value that can be transferred, stored, or exchanged electronically.
• Lightning Network: A second-layer payment protocol operating on top of the Bitcoin blockchain that enables fast, low-cost Bitcoin transactions.
• M-Pesa: The licensed mobile money service operated in Tanzania by Vodacom Tanzania Public Limited Company, through which Chapsmart delivers TZS to recipients.
• Services: Chapsmart’s three core services: (1) Remittance, (2) Airtime, and (3) Buy Sats, as described in Section 2.
• TZS / Tanzanian Shilling: The sole legal tender of the United Republic of Tanzania under Section 26 of the Bank of Tanzania Act, 2006 (as amended).
• User / You: Any natural person who accesses or uses Chapsmart’s Services.
• User Account: An account created for your use of the Platform, identified by your unique 16-digit Account Number.
• Platform / Site: The Chapsmart website, mobile application, or other digital interfaces provided by Chapsmart.

7.User Account

To use the Services, you must create a User Account on the Platform. Upon registration, you will be assigned a unique 16-digit Account Number, which serves both as your identifier and your login credential. No government-issued identification documents are required for basic account registration, although Chapsmart may request additional verification information for compliance purposes where reasonably required (see Section 12).

You must treat your Account Number as confidential and must not disclose it to any third party. Any activity through your User Account is deemed to be conducted by you or on your behalf, and you are solely responsible for such activity.

If you suspect your Account Number has been compromised, you must contact Chapsmart immediately at support@chapsmart.com.

8.Eligibility

By registering for a Chapsmart User Account, you represent and warrant that:

• You have full legal capacity and authority to enter into these Terms under the laws applicable to you.
• You are at least 18 years of age.
• You have not been previously suspended or removed from using Chapsmart Services.
• You do not currently hold another Chapsmart User Account (unless expressly authorized by us).
• You are not using Chapsmart to facilitate any activity prohibited under Tanzanian law or the laws of your jurisdiction.
• You are not a person sanctioned by the United Nations, the European Union, the Office of Foreign Assets Control (OFAC), or any other recognized international sanctions authority.
• You are solely responsible for ensuring your use of the Services complies with all laws, rules, and regulations applicable to you.

9.Nature of Service: Bridge, Not Custodian

Chapsmart operates strictly as a bridge between Bitcoin (via the Lightning Network) and Tanzania’s licensed financial ecosystem. When you use the Services:

• Remittance: You (or a sender located outside Tanzania) send Bitcoin via the Lightning Network to Chapsmart. Chapsmart converts the Bitcoin to TZS at the prevailing exchange rate and disburses the TZS to the recipient’s M-Pesa account.
• Airtime: You send Bitcoin via the Lightning Network to Chapsmart. Chapsmart converts the amount and delivers airtime credit to the designated Tanzanian phone number through a licensed telecom partner.
• Buy Sats: You send TZS via M-Pesa to Chapsmart. Chapsmart converts the TZS to Bitcoin at the prevailing exchange rate and sends the equivalent Bitcoin (satoshis) to your external Lightning wallet.

10.Exchange Rate and Transaction Confirmation

Chapsmart quotes an exchange rate at the time you initiate each transaction. The quoted rate is derived from prevailing market rates, adjusted for our applicable service fee and the statutory 3% withholding tax (where applicable). Exchange rates may change between transactions and are displayed clearly before you confirm any transaction.

Once you confirm a transaction, the rate and fees shown at the point of confirmation apply to that transaction, regardless of subsequent market movements. Chapsmart is not liable for adverse exchange rate movements occurring outside the confirmation window.

11.Fees and Taxes

Chapsmart charges a service fee on each transaction, calculated as a percentage of the TZS transaction amount. We operate a three-tier loyalty system that rewards users with lower fees as they increase their cumulative transaction volume on the Platform. In addition to the service fee, a 3% statutory withholding tax is applied to all qualifying transactions, as required by Section 83C of the Income Tax Act (Cap. 332), introduced by the Finance Act, 2024.

Tier	Cumulative Spend	Service Fee	Gov. Tax	Total
BRONZE	0 – 5,000,000 TZS	2.20%	3%	5.20%
SILVER	5,000,001 – 25,000,000 TZS	1.87%	3%	4.87%
GOLD	25,000,001+ TZS	1.32%	3%	4.32%

* The 3% government tax is the withholding tax on digital asset transactions under Section 83C of the Income Tax Act (Cap. 332), applied uniformly to all tiers. Buy Sats transactions do not receive tier discounts.

Tax remittance: Chapsmart is registered with the Tanzania Revenue Authority and remits the 3% withholding tax collected on qualifying transactions in accordance with its statutory obligations as a digital asset exchange platform under the Income Tax Act (Cap. 332).

Other taxes: Chapsmart also complies with applicable Value Added Tax (VAT) obligations, corporate/individual income tax, municipal levies, annual business license renewal fees, and all other statutory tax and levy requirements under Tanzanian law.

User’s tax obligations: Users located outside Tanzania are solely responsible for determining, reporting, and fulfilling any tax obligations that may apply under the laws of their own jurisdiction. Chapsmart does not provide tax advice, and the 3% withholding tax applied by Chapsmart does not satisfy any tax obligation you may have in another jurisdiction.

Your loyalty tier is determined automatically based on your cumulative transaction volume across the Platform. Chapsmart reserves the right to modify the fee structure and tier thresholds at any time, with reasonable notice provided to users.

12.Anti-Money Laundering, Counter-Terrorism Financing & Compliance

Chapsmart is committed to preventing money laundering, terrorism financing, and other financial crimes. In line with the Anti-Money Laundering Act, 2006 (Cap. 423 R.E. 2022) and its implementing regulations, Chapsmart maintains internal procedures for:

• Monitoring transactions and identifying unusual, suspicious, or patterned activity;
• Applying risk-based enhanced due diligence where appropriate;
• Cooperating with the Financial Intelligence Unit (FIU), the Tanzania Revenue Authority, the Bank of Tanzania, and other competent Tanzanian authorities when required by law;
• Reporting suspicious transactions to the relevant authorities in accordance with statutory obligations;
• Suspending, delaying, or rejecting transactions that appear to be connected to unlawful activity;
• Requesting additional user information (including identity verification) where reasonably required for compliance, even for users with otherwise account-number-only access;
• Retaining transaction records in accordance with applicable record-keeping laws.

Users agree not to use Chapsmart’s Services for any unlawful purpose, including but not limited to money laundering, terrorism financing, sanctions evasion, fraud, tax evasion, human trafficking, drug trafficking, or any other activity prohibited under Tanzanian law or any other applicable law.

Chapsmart may, at its sole discretion and without prior notice, suspend, freeze, or terminate a User Account where there are reasonable grounds to suspect that the account is being used in breach of these Terms or of applicable law.

13.Data Protection and Privacy

Chapsmart collects only the minimum personal information necessary to provide the Services and to comply with legal obligations. We process personal data in accordance with the Personal Data Protection Act, 2022, and its implementing regulations.

Where disclosure is required by law or by a duly authorized Tanzanian authority (such as the FIU, TRA, or BoT), Chapsmart may be required to share user transaction data. Otherwise, we do not sell or share user data with third parties. For full details of how we collect, store, use, and protect your data, please refer to our separate Privacy Policy.

14.Risks Associated with Digital Assets

Before using Chapsmart’s Services, you should carefully consider the following risks:

• Bitcoin is not legal tender in Tanzania: The Tanzanian Shilling (TZS) is the sole legal tender of the United Republic of Tanzania. Chapsmart only disburses TZS within Tanzania and does not treat Bitcoin as a means of payment for domestic transactions.
• Evolving regulation: The regulatory environment for digital assets in Tanzania is evolving. While the Finance Act, 2024 has introduced statutory recognition of digital assets for tax purposes, and the High Court in the Yellow Card Precedent has confirmed that cryptocurrency transactions are not inherently illegal when operators comply with tax and financial laws, future regulatory changes (including new BoT rules, amendments to payment laws, or a Central Bank Digital Currency framework) may affect the scope or availability of the Services. Chapsmart will adjust its operations as necessary to comply with any future regulatory requirements.
• Price volatility: Bitcoin prices can be highly volatile. Exchange rates are quoted at the time of transaction and may change rapidly. You bear the risk of any price movement between the time you initiate a transaction and the time Chapsmart completes the conversion.
• User-side security risks: Chapsmart applies strong security controls on its own infrastructure, but cannot protect you from security failures outside that perimeter, including compromised devices, lost wallet keys, SIM-swap attacks on your mobile number, phishing, or unauthorized access to your M-Pesa account or Lightning wallet.
• Third-party infrastructure risks: Chapsmart relies on external infrastructure (the Bitcoin Lightning Network, mobile money operators, airtime platforms, telecom networks, internet service providers). Delays or outages on these networks may affect Service delivery. Chapsmart is not responsible for disruptions that occur outside its control.
• Bitcoin Lightning Network risks: The Lightning Network is a second-layer Bitcoin protocol. Transactions may fail, time out, or experience routing difficulties. In rare cases, Lightning payments may be subject to force-close fees or on-chain confirmation requirements that can affect timing.
• No custody exposure to Chapsmart: Because Chapsmart does not hold user funds beyond the short operational window required for conversion and disbursement, there is no custodial exposure to Chapsmart itself. Once TZS has been delivered to a mobile money account or airtime has been delivered, any risk tied to the mobile money account or phone number is borne by the holder.
• Irreversibility: Bitcoin transactions are irreversible once confirmed. You are responsible for providing accurate recipient information (phone number, Lightning invoice, etc.). Chapsmart cannot recover transactions sent to incorrect destinations caused by user error.

The above list is not exhaustive. By creating a User Account, you acknowledge that you have assessed your financial standing and risk tolerance and confirm they are suitable for your use of Chapsmart’s Services.

15.Prohibited Activities

You may not use Chapsmart’s Services to:

• Engage in or facilitate money laundering, terrorism financing, or sanctions evasion;
• Purchase or trade illegal goods or services, including narcotics, firearms, human trafficking services, or child sexual abuse material;
• Conduct fraud, identity theft, or phishing;
• Evade taxes or conceal taxable income;
• Circumvent any legal or regulatory requirement applicable to you;
• Operate as a money transmitter, exchange, or payment service provider without obtaining the relevant licenses in your jurisdiction;
• Attempt to breach, probe, or reverse-engineer Chapsmart’s security or infrastructure;
• Use automated means (bots, scripts, scrapers) to interact with the Platform without Chapsmart’s written consent;
• Provide false, misleading, or impersonated information during registration or use of the Services.

Breach of this Section 15 may result in immediate suspension or termination of your User Account, forfeiture of pending transactions, and reporting to law enforcement and regulatory authorities.

16.Liability

Users are responsible for their actions in connection with the use of the Platform, the Services, and their Accounts, and for protecting their Account Number and other access credentials.

Chapsmart shall not be liable for any transaction failure or loss caused by fault on the part of the User, including the User providing incorrect phone numbers, wrong Lightning invoices, wrong account details, or false information. If a User deliberately provides false information, impersonates another person, or attempts to breach these Terms, the User shall be liable to indemnify Chapsmart, and Chapsmart may take all necessary legal action, including criminal action.

Except where liability cannot be lawfully excluded, in no event shall Chapsmart or its operators, agents, employees, or suppliers be liable for lost profits, lost data, business interruption, or any special, incidental, or consequential damages arising out of or in connection with the use of the Platform, the Services, or these Terms. Chapsmart’s aggregate liability in respect of any claim arising from a User’s use of the Platform shall, in no circumstances, exceed the value of the specific transaction giving rise to the claim, less any applicable fees.

Chapsmart has no control over, and accepts no liability for, the delivery, quality, safety, legality, or any other aspect of goods or services that you may pay for through third parties using the Services.

17.System Availability, Security, and Maintenance

Chapsmart places a high priority on system security and implements industry-standard measures (including TLS encryption, rate limiting, reverse-proxy hardening, and application-layer access controls) to safeguard the Platform and its infrastructure. However, we do not guarantee that the Platform will always be available or uninterrupted. We may suspend, withdraw, discontinue, or change all or any part of the Platform — with or without notice — for reasons including scheduled maintenance, security incidents, regulatory requirements, or events of force majeure.

Chapsmart will not be liable for losses arising from Platform unavailability, including losses due to exchange-rate movements during periods of downtime. Users are encouraged to transact during published operating hours and to contact support promptly in the event of any disruption.

18.Communication

When you visit the Platform or send emails to us, you are communicating with us electronically, and you consent to receive communications from us electronically. We will communicate with you by email or by posting notices on the Platform. All electronic communications satisfy any legal requirement that such communications be in writing.

If your contact details change, you are solely responsible for updating them on the Platform. Communications sent to your registered email address or phone number shall be deemed received by you.

19.Dispute Resolution

Chapsmart and the User agree that any dispute arising between them shall initially be resolved through mutual negotiations conducted in good faith. To initiate this process, the User shall contact Chapsmart by email at support@chapsmart.com, clearly describing the nature of the dispute and any relevant transaction details.

Chapsmart will respond using the email address registered on the User’s account or another channel the User has provided. Both parties commit to making reasonable efforts to resolve disputes amicably before resorting to formal proceedings. If mutual negotiation fails within thirty (30) days from the date the dispute is notified, either party may refer the matter to the courts of Tanzania in accordance with Section 20 below.

20.Governing Law and Jurisdiction

These Terms, and any dispute arising out of or in connection with them, shall be governed by and construed in accordance with the laws of the United Republic of Tanzania. The parties submit to the exclusive jurisdiction of the courts of the United Republic of Tanzania.

21.Intellectual Property

All copyright and other intellectual property rights in the content and materials provided through the Platform — including the Chapsmart name, logo, designs, text, graphics, software, and the arrangement thereof (collectively “Chapsmart Materials”) — are the proprietary property of Chapsmart or its licensors. You may not copy, modify, distribute, or use Chapsmart Materials without prior written consent from Chapsmart.

22.Amendments

Chapsmart may revise these Terms at any time by updating this page. Users are encouraged to check this page regularly, as changes become binding upon publication. For material changes, Chapsmart will make reasonable efforts to notify users through the Platform or registered email address.

Chapsmart may also change the Services, add or remove features, or establish usage limits without prior notice, provided such changes do not adversely affect transactions already in progress.

23.Customer Support

Chapsmart is committed to providing responsive customer support.

• Email: support@chapsmart.com
• Response Time: We aim to respond within two (2) business days. Complex issues may require additional investigation time.
• User Cooperation: To help us assist you efficiently, please provide accurate and complete information about your issue, including your Account Number and any relevant transaction references.

24.Assignment

You acknowledge and agree that Chapsmart may freely assign these Terms or any of its rights under these Terms to any successor entity, affiliate, or acquirer of its business without your consent. You, however, may not assign these Terms or any rights under them to another person without the prior written approval of Chapsmart.

25.Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable by a competent authority or court, the remaining provisions shall continue in full force and effect, and the invalid provision shall be interpreted or reformulated in a manner that gives effect to its intent as closely as possible while being lawful.

26.Entire Agreement

These Terms, together with Chapsmart’s Privacy Policy, constitute the entire agreement between you and Chapsmart concerning your use of the Services. They supersede any prior agreements, understandings, or communications, whether written or oral, between you and Chapsmart on the same subject matter.

By registering a User Account and using Chapsmart Services, you confirm that you have read, understood, and accepted these Terms and Conditions in full.