Last updated: 3/18/2025
Welcome to Loti+ ("Company", "we", "our", "us"). These Terms of Service ("Terms", "Terms of Service") govern your use of our website located at [website URL] and mobile applications (together or individually "Service") operated by Loti+.
Our service connects users with verified mobile money agents across Lesotho, enabling secure and transparent financial transactions. By accessing or using the Service, you agree to be bound by these Terms. If you disagree with any part of the terms, you may not access the Service.
When you create an account with us, you must provide accurate, complete, and current information. Failure to do so constitutes a breach of the Terms, which may result in immediate termination of your account on our Service.
You are responsible for safeguarding the password that you use to access the Service and for any activities or actions under your password. You agree not to disclose your password to any third party. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account.
For Agents, additional verification processes apply, including KYC (Know Your Customer) procedures. Agent accounts are subject to our verification standards and tier system requirements.
Loti+ implements a tiered system for Agents (Bronze, Silver, Gold, Platinum) based on escrow balance, transaction volume, and user ratings. Each tier provides specific benefits and transaction limits.
All Agents must undergo a verification process before being listed on the platform. This verification includes identity checks, business documentation, and compliance with regulatory requirements in Lesotho.
Loti+ reserves the right to upgrade or downgrade Agent tiers based on performance metrics, user feedback, and compliance with platform policies.
Loti+ facilitates transactions between Users and Agents but is not a party to these transactions. Users agree to the rates provided by Agents at the time of transaction.
For certain transactions, funds may be held in escrow until transaction conditions are met. The escrow system is designed to protect both Users and Agents from fraud or non-fulfillment.
Users should verify all transaction details before confirming. Once a transaction is completed, it is considered final and binding, subject to our resolution policy for disputes.
Loti+ may charge service fees for facilitating transactions between Users and Agents. All applicable fees will be clearly disclosed before transaction confirmation.
Agent fees for services are set by individual Agents and vary based on service type, amount, and Agent tier. Loti+ does not control pricing set by Agents but promotes transparency in fee disclosure.
All fees are non-refundable unless required by applicable law or specified otherwise in our policies.
Users can rate and review Agents after completed transactions. These ratings contribute to Agent reputation and tier progression.
All reviews must be factual, relevant, and comply with our content guidelines. Loti+ reserves the right to remove reviews that contain abusive language, false information, or violate our policies.
Users and Agents are prohibited from manipulating the rating system through false accounts, incentivized reviews, or other deceptive practices.
Users and Agents agree not to engage in any of the following prohibited activities:
To the maximum extent permitted by applicable law, in no event shall Loti+, its affiliates, agents, directors, employees, suppliers, or licensors be liable for any indirect, punitive, incidental, special, consequential, or exemplary damages, including without limitation damages for loss of profits, goodwill, use, data, or other intangible losses, that result from the use of, or inability to use, this service.
Loti+ acts as a platform connecting Users and Agents and is not responsible for the actions, services, or conduct of any User or Agent beyond our verification processes. While we implement security measures, we cannot guarantee that unauthorized third parties will never be able to defeat those measures.
These Terms shall be governed and construed in accordance with the laws of Lesotho, without regard to its conflict of law provisions.
Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.
We reserve the right to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.
By continuing to access or use our Service after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use the Service.
If you have any questions about these Terms, please contact us: