Effective 20 October 2026

Ayt Equb Terms of Service

These terms apply to the Ayt Equb Android app (package com.aytequb.mobile) and the website https://aytequb.com/. By registering or signing in, you agree to them.

Who we are

Ayt Equb ("Ayt Equb", "we", "us") operates the Ayt Equb app, a record-keeping tool for equb (rotating savings) groups. We are based in Addis Ababa, Ethiopia. Contact us at benekoyyirga@gmail.com or ++251913379147.

What Ayt Equb is

Ayt Equb records contributions, payment proofs, draws, payouts and, where a group uses it, financing agreements and repayments. Ayt Equb is not a bank, a lender, a payment processor or a party to any equb agreement. Money moves directly between members through their own banks or mobile-money providers; we never hold, transfer or guarantee anyone's funds. Each equb's rules — who joins, how much is contributed, how a round's winner is chosen — are set by its organizer and members, not by us.

Your account

You must be at least 18 years old to register.
You sign in with a phone number and password. Keep your password secret and tell us immediately if you think someone else has access to your account.
The name attached to your account is the name your equb organizer knows you by once you have joined a group; organizers can correct it, as explained in the app.
One account per person. Do not register using someone else's phone number without their permission.

Organizers and members

If you organize an equb, you are responsible for reviewing payment proofs honestly, running draws fairly, recording payouts accurately, and resolving disagreements with your members. If you join an equb, you are responsible for the contribution and payout terms you agree to with that group. Disputes between an organizer and a member, or between members, are theirs to resolve; we may suspend an account involved in fraud or abuse, but we do not arbitrate equb disputes or reverse payments made outside the app.

Acceptable use

You agree not to:

impersonate another person or misrepresent a payment, draw or payout record;
use the app to run a scheme that is illegal where you or your members are located;
upload payment proof that is forged, altered or not your own transaction;
attempt to access another person's account or data, or interfere with the app's normal operation;
use the app in a way that harasses, defrauds or otherwise harms another user.

We may suspend or close an account that breaks these terms, after reviewing the available evidence where practical.

Financing feature

Where a group's administrator turns on financing, Ayt Equb records agreements, installment schedules, repayments and settlements that the administrator and customer agree to directly. As with equb groups, we record what is reported to us; we are not a lender and do not guarantee any agreement's terms or performance.

Your content

You keep ownership of the photos and information you submit (such as payment proofs). By uploading them, you give us permission to store and show them to the people who need to see them to run your equb or financing agreement — namely you and the administrators who review that submission.

Service availability

We aim to keep Ayt Equb available and your records accurate, but we do not guarantee uninterrupted access. We may change, suspend or discontinue features, and we will try to give notice in the app before a change that affects your records.

Disclaimer and limitation of liability

Ayt Equb is provided "as is." To the extent the law allows, we are not liable for losses arising from a payment, draw, payout or financing arrangement made between members, organizers or financing customers outside our direct control, or from your failure to keep your account secure. Nothing in these terms limits liability that cannot be limited under Ethiopian law.

Governing law

These terms are governed by the laws of Ethiopia. Any dispute about these terms is subject to the jurisdiction of the courts of Ethiopia.

Changes to these terms

If we change these terms, we will publish the new version on this page and update the effective date above. For significant changes we will also notify you in the app before the change takes effect.

Contact us

Email: benekoyyirga@gmail.com
Phone or WhatsApp: ++251913379147
Ayt Equb, Addis Ababa, Ethiopia