Terms of Service

Last updated: 2026-11-13

Effective Date: November 13, 2026

Last Updated: November 13, 2026

These Terms of Service (“Terms”) govern your access to and use of the Bima+ website (bimaplus.co) and the Bima+ insurance-business platform — lead generation, underwriting support, claims management, and customer-support tooling (collectively, the “Services”), provided by MyBima, product of Mitikaz Inc. (“MyBima,” “we,” “us,” or “our”). The platform and supporting technology are built and operated by Mitikaz Company Limited on MyBima's behalf.

By accessing or using the Services you agree to be bound by these Terms. If you do not agree, do not use the Services.

1. What Bima+ does

Bima+ is a software platform for the insurance industry in Tanzania. It provides:

  • Lead generation — a chatbot and order-taking flow you can embed in your own app and website
  • Automation — automated cover-note issuing and customer reminders
  • A customer dashboard — manage your customer base, convert leads to revenue
  • A distribution channel — a channel through which your customers can buy and manage insurance

Bima+ is a software tool. Insurance policies issued through the platform are underwritten by licensed insurers. MyBima does not underwrite insurance and is not an insurer, broker, agent or bank. Where the platform is used in connection with a licence-holder's business, that licence-holder remains responsible for its regulatory obligations.

2. Eligibility

To use the Services you must be at least 18 years old and have the legal capacity to enter into a binding agreement. If you are enrolling on behalf of a business, cooperative, savings group, school or other legal entity, you represent that you are authorised to bind that entity to these Terms.

The Services are intended for businesses. Individuals using the Services on behalf of a business bind that business to these Terms.

3. Insurance transactions — role of licensed insurers

Orders, quotes and cover notes produced through the platform relate to insurance products underwritten by licensed insurers. Premium handling, policy issuance and claims decisions are the responsibility of the applicable insurer, whose own terms apply. MyBima provides tooling and processes information; it does not decide claims and does not hold client premium money.

4. Trials and subscriptions

Bima+ is offered on a 14-day free-trial basis, then by monthly subscription. Plan features, prices and billing terms are shown on the website at the time you subscribe. Subscriptions renew monthly unless cancelled; annual-payment offers are as stated on the pricing page.

5. Support

Support is provided by email and through the platform as described on the website. Support commitments, where stated, depend on your plan.

6. Acceptable use

You agree not to use the Services to:

  • Violate any applicable law or regulation in Tanzania, or the rules of a licensed insurer partner
  • Engage in fraud, money laundering, terrorism financing, tax evasion, or the funding of sanctioned parties
  • Provide false KYC information, or attempt to circumvent verification, transaction limits, or account-opening rules
  • Attempt unauthorised access to any MyBima system, another user's information, or any partner network
  • Transmit malware, viruses, or harmful code, or interfere with the integrity of the Services
  • Harass or abuse MyBima staff
  • Reproduce, resell, or sublicense any Bima+-branded content or material without our prior written consent

7. Fees

  • Subscription fees follow the pricing shown on the website at the time you subscribe, plus any additional service fee stated at the counter. Fees are disclosed before you complete the transaction.
  • Consulting fees are stated in the engagement letter.
  • Financial-education program fees are stated at enrolment.
  • Website access is free. Ordinary mobile data and messaging charges from your network apply.

8. Intellectual property

The MyBima and Bima+ names, logo, brand marks, website content, and consulting deliverables are owned by MyBima or its licensors and are protected by intellectual property laws. We grant you a limited, non-exclusive, non-transferable, revocable licence to use them for their intended purpose.

Consulting deliverables prepared for a specific client under an engagement letter are governed by the ownership and licence clauses of that letter.

9. Your content

When you send us information via the website contact form or through the platform, you retain ownership of that content. You grant MyBima a non-exclusive, royalty-free licence to use it as needed to provide the Services, meet legal and regulatory obligations, and improve our programs in aggregate, de-identified form.

10. Privacy

Your use of the Services is also governed by our Privacy Policy, which describes how we collect, use and protect personal data — under the Tanzania Personal Data Protection Act, 2022.

11. Third parties

The Services depend on third parties — licensed insurers for policy issuance, Meta / WhatsApp Business API for messaging, Cloudflare for hosting, Brevo for transactional email, and others. Those third parties have their own terms; MyBima is not responsible for their acts, omissions, availability, or policies.

12. Service availability

We aim for reliable access to the Services, but we do not guarantee uninterrupted operation. Support response times and platform maintenance windowd website availability may vary. We may:

  • Suspend or restrict access for maintenance, security or regulatory reasons
  • Modify or discontinue any service on reasonable notice for material changes
  • Introduce new services governed by these Terms or by a separate written agreement

13. Disclaimer

THE SERVICES ARE PROVIDED “AS IS.” WYNDIGO DOES NOT WARRANT THAT THE SERVICES WILL BE ERROR-FREE, SECURE, OR UNINTERRUPTED, OR THAT ANY DEFECT WILL BE CORRECTED. FINANCIAL EDUCATION CONTENT IS GENERAL AND NOT PERSONAL FINANCIAL ADVICE.

14. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WYNDIGO AND MITIKAZ COMPANY LIMITED (AND THEIR RESPECTIVE OFFICERS, EMPLOYEES AND AGENTS) SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SERVICES. OUR TOTAL AGGREGATE LIABILITY FOR ANY CLAIM SHALL NOT EXCEED THE FEES YOU PAID US FOR THE SPECIFIC SERVICE GIVING RISE TO THE CLAIM IN THE TWELVE (12) MONTHS PRECEDING THE EVENT.

Nothing in these Terms excludes liability that cannot be excluded by law — including for fraud or wilful misconduct.

15. Suspension and termination

We may suspend or terminate your access to the Services at any time if we reasonably believe your use breaches these Terms; your activity presents fraud, security, sanctions, or regulatory risk; an insurer partner has required us to do so; or continued provision would place MyBima in breach of applicable law.

16. Governing law and dispute resolution

These Terms are governed by the laws of the United Republic of Tanzania. Any dispute shall first be addressed through good-faith negotiation. If unresolved within thirty (30) days, the dispute shall be submitted to the competent courts of Tanzania.

17. Changes to these Terms

We may update these Terms from time to time. When we do, we will revise the "Last Updated" date at the top of this page and, where the change is material, notify users through the Bima+ website. Continued use of the Services after the changes take effect constitutes acceptance of the revised Terms.

18. Contact us

Questions about these Terms:

MyBima, product of Mitikaz Inc.
Dar es Salaam, Tanzania
Website: contact form