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User agreement

7th August 2023

1. Accepting the Terms

By using the information, tools, features, and functionality located on https://exuus.com/and exuus owned products accessible via https://getsave.io/, https://saveplus.io/, etc you are agreeing to be bound by the following terms and conditions ("Terms of Service" for the products herein referred to as the “Service”). If you wish to become a User or Member in a saving group and make use of the Service, you must read this Agreement and indicate your acceptance during the Registration process.

You may not use the Service and you may not accept this Agreement if you are not of a legal age to form a binding contract with Exuus Ltd. Violation of any of the terms below will result in the deactivation or deletion of your Account.

2. Description of the Service

The Service “SAVE.” is a digital platform that financially empowers saving groups sustainably with a collective & decentralized ledger. It varies from Cashless transactions, Credit scoring, Know Your Customers to E-Recording.

SAVE platform has five interconnected plans designed for different users.

SAVE Mobile (for smart-phones users)

SAVE USSD (*777#)

SAVE Collector




The Service is provided to you by Exuus Ltd, a private company incorporated under the laws of the Republic of Rwanda as a valuable tool to assist you, your group or organization to manage cashless transactions while making their data accessible. It is not intended to provide legal, tax or financial advice.

3. Definition of Different Saving Groups Type

SAVE has identified 3 different types of saving groups that are accommodated on the application:

  • Supervised: All Saving groups with the following characteristics qualify for the Supervised type:
    1. Affiliated to an NGO (Local or International) through a project
    2. Being monitored and receives financial literacy support from an NGO
    3. The saving group has an appointed committee that makes decisions related to the collective wallet withdrawal transactions.
    4. The Group is created through an agent affiliated to the facilitating NGO. This happens through SAVE Collector App.
  • Graduated: All Saving groups with the following characteristics qualify for the Graduated type:
    1. Affiliated to any other organization that’s not an NGO
    2. The saving group has an appointed committee that makes decisions related to the collective wallet withdrawal transactions
    3. The Group is created through an agent/admin affiliated to the facilitating organization other than an NGO. This happens through SAVE Collector App.
  • Independent: All Saving groups with the following characteristics qualify for the Independent type:
    1. No direct affiliated to any other organization
    2. Dire affiliation to SAVE as the organization
    3. The saving group doesn’t have an appointed committee that makes decisions related to the collective wallet withdrawal transactions.
    4. All members have equal power when it comes to collective wallet withdrawal transactions.
    5. The Group is independently created by any member who can invite other members to join.
    6. Other members can only join by consent. This happens by accepting or declining an invitation.

The Service is provided to you by Exuus Ltd, a private company incorporated under the laws of the Republic of Rwanda as a valuable tool to assist you, your group or organization to manage cashless transactions while making their data accessible. It is not intended to provide legal, tax or financial advice.

4. Service Fee

SAVE service fee is split into 4 plans:

  • Free Plan for Supervised saving groups
  • Basic Plan for both graduated and independent groups
  • Standard Plan for NGOs
  • Premium Plan for Private organization or Financial Service Providers (FSPs)

For more details feel free to refer tohttps://getsave.io/pricing This section also includes our FAQ.

5. Privacy and your Personal Information

Exuus Ltd will not sell, exchange, or release any of your personal information or financial information to any third party without your express permission or as required by law or court or governmental order. For information about Exuus’ data protection practices, please read Exuus’ Privacy and Security , which is hereby incorporated into this Agreement. The home-subtitle may be updated from time to time at our discretion. Changes will be effective upon posting to the site.

6. Your Registration

Your account must be registered by a human and have an active mobile money wallet tied to a personal telephone number and ID number. To access our platform, you have a variety of options ranging from:

  • Downloading the app from Google Play or App Store available to users on Android and iOS.
  • Via our USSD code accessible via *777#
  • Via the web dashboard accessible via web.getsave.io

To access SAVE, you will need to sign-up by filling in your phone number/email and choosing the PIN/Password then proceed to fill out the required information details. Additionally, you must be 16 years of age or older to register for SAVE.

You can access your funds in two forms:

This is when a member is receiving money from his/her savings group. A request by the member is made and approved by the committee (in the case of both supervised & graduated saving groups) and all members (in the case of independent saving groups). Once the request has unanimous approval (which is authenticated by PINs of approving members) money is moved from the collective account (SAVE) to the individual/member's account.

The Cash-Out has various forms, including but not limited to:

  • Loan
  • Social Fund
  • Bulk withdrawal
  • Share-Out
  • Etc.

You agree and understand that you are responsible for maintaining the confidentiality of your PIN which allows you to access the Service. By providing us with your email address and the telephone number you agree to receive all required notices electronically, to that email address or telephone number. It is your responsibility to update or change that address, as appropriate.

If you become aware of any unauthorized use of your Registration Information, you agree to notify Exuus immediately at the email address support@getsave.io or call us on the following lines:7777 (our hotline), +250 788 381 810 or +250 785 489 992.

7. Your Use of the Service and Responsibilities

Your signup is free of charge. SAVE is integrated into a financial institution via APIs integration. This is mainly to allow digital financial transactions.

Exuus’ Service will accept funds saved using Mobile Money, Airtel Money or bank transfer through our bank partner and shall be directly deposited in their respective Saving Groups Virtual Joint Account/wallet with a partner bank (Access bank Rwanda PLC, etc).

Exuus’ service through the help/assistance of the bank partner will facilitate the creation of the Saving Groups Virtual Joint Account/wallet.

This Virtual Joint Accounts/wallets will be completely separate from exuus collection account (also labelled as Save collection account) and will only contain the saving group’s money/funds.

You shall provide clear and accurate information for the purpose of the service.

You shall promptly provide Exuus with any information related to any dispute may arise within the Saving Group for timely assistance. By failing to do so, Exuus shall be excused from any related liability.

Your access and use of SAVE service provided by Exuus may be interrupted from time to time for any of several reasons, including, without limitation, the malfunction of your telephone, periodic updating or other actions that Exuus, in its sole discretion, may elect to take.

8. Online Alerts and Disclaimer

Exuus may from time to time provide automatic alerts and voluntary account-related alerts. Automatic alerts may be sent to you following certain changes made online to your SAVE account, such as a change in your Registration Information.

You understand and agree that any alerts provided to you through the Service may be delayed or prevented by a variety of factors. Exuus does its best to provide alerts in a timely manner with accurate information. However, we neither guarantee the delivery nor the accuracy of the content of any alert. You also agree that Exuus shall not be liable for any delays, failure to deliver, or misdirected delivery of any alert; for any errors in the content of an alert; or for any actions taken or not taken by you or any third party in reliance on an alert.

9. Rights You Grant to Us

By submitting information, data, sign-up information and other content to Exuus through the Service, you are licensing that content to Exuus solely for the purpose of providing the Service. Exuus may use and store the content, but only to provide the Service to you. By submitting this content to Exuus, you represent that you are entitled to submit it to Exuus for use for this purpose, without any obligation by Exuus to pay any fees or other limitations.

10. Exuus' Intellectual Property Rights

The contents of exuus.com & getsave.io, including its "look and feel" (e.g., text, graphics, images, logos and button icons), photographs, editorial content, notices, software, and other material are protected under Rwandan Laws applicable to copyright and trademark and other laws. Any distribution, reprint or electronic reproduction of any content from exuus.com & getsave.io in whole or in part for any other purpose is expressly prohibited without our prior written consent.

11. Access and Interference

You warrant that you will not access or use the Service in any unlawful manner, for any unlawful purpose or in violation of these terms and conditions or applicable laws, rules, and regulations. You agree that you will be responsible for all usage of the Service through your account.

12. Disclaimer of Representation and Warranties

Exuus provides the service on an "as is" and "as available" basis and grants no warranties of any kind, whether express, implied, statutory or otherwise. To the maximum extent permitted by applicable law the Company specifically disclaims any implied warranty of merchantability, fitness for a particular purpose or non-infringement.

13. Not a Financial Planner, Broker or Tax Advisor

Neither Exuus nor its service is intended to provide legal, tax or financial advice. Exuus is not a financial planner, broker or tax advisor. The Service is intended only to assist you and your group in a collective and decentralized decision-making for sustainable saving and is broad in scope. Exuus only provides an easy platform for Saving Groups to manage cashless transactions while making their data accessible to facilitating agencies and linking groups to both Mobile Network Operators & Financial Service Providers.

14. Limitations on Exuus' Liability

Exuus shall in no event be responsible or liable to you or to any third party, whether in contract, warranty, tort (including negligence) or otherwise, for any indirect, special, incidental, consequential, exemplary, liquidated or punitive damages, including but not limited to loss of profit, revenue or business, arising in whole or in part from your access to exuus.com & getsave.io, your use of the service or this agreement, even if Exuus has been advised of the possibility of such damages.

15. Your Indemnification of Exuus

You agree to defend, indemnify and hold harmless Exuus, its officers, directors, employees, and agents from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, demands, and expenses (including but not limited to attorneys’ fees) arising from (i) your use of and access to the Service or any Content that you post thereon; (ii) your violation of any term of this Agreement or your representations and warranties set forth above; or (iii) your violation of any third party rights, including without limitation any copyright, property, or privacy rights.

16. Ending your relationship with Exuus

This Agreement will continue to apply until terminated by either you or Exuus as set out below. If you want to terminate your legal agreement with Exuus (SAVE App), yolu may do so by closing your account for the Service by reporting the withdrawal to Us using the relevant tools available on this Service, within the withdrawal term. If We make it possible for You to declare Your withdrawal via electronic/digital means, then after receiving such a declaration, We send immediate confirmation of receipt.

  • Once a saving group is created, the length of the cycle is specified.
  • The group or members cannot share-out before the saving cycle has reached its limit.
  • A saving group can share-out at the end or after the cycle has exceeded its length.
  • You can leave the group(s) you have been added to if there are no pending dues to the saving group. All your savings plus the incurred interest will be remitted to your MTN mobile money account or Airtel Money
  • Once you become inactive and stop saving you will have to wait until the end of the saving cycle to get your Savings.
  • You can be deactivated upon request made via email or phone call to our team. This can only apply if you have no pending dues to the saving groups you are part of and to the Service.

17. Modifications and Miscellaneous

Exuus may modify this Agreement from time to time. Any and all changes to this Agreement will be posted on the getsave.io site. In addition, the Agreement will always indicate the date it was last revised. You are deemed to accept and agree to be bound by any changes to the Agreement when you use the Service after those changes are posted.

All covenants, agreements, representations, and warranties made in this Agreement shall survive your acceptance of this Agreement and the termination of this Agreement.

This Agreement represents the entire understanding and agreement between you and Exuus regarding the subject matter of the same and supersedes all other previous agreements.

18. Final Provisions

If You have any grievances in connection with a product (in accordance with the article on warranties and conformity) and/or about other aspects of Our service, You can submit a complaint by using the contact information provided in section 6.

We will respond to the complaint as soon as possible, and in any case within 3 working days after having received it in the language you have concluded the transaction. If it is not yet possible for Us to formulate a substantive reaction to the complaint by that time, We will confirm receipt of the complaint within 3 working days after having received it and give an indication of the term within which it expects to be able to give a substantive or definitive reaction to Your complaint.

This Agreement will be governed by the laws of the Republic of Rwanda. By using the Service, You agree that the applicable national laws will govern these Terms and any dispute of any sort that might arise between You and Us.

Insofar as not dictated otherwise by mandatory law, any disputes ensuing from the Agreement will be submitted to the competent Rwandan court in Rwanda.