Terms of service

Last updated: 31 October 2026

1. Acceptance of Terms

By accessing or using the IRU BUSINESS GROUP LTD platform ("Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, you may not use the Service. These terms apply to individuals and businesses who use IRU Wallet.

2. Description of Service

IRU Wallet is a digital financial application by IRU BUSINESS GROUP LTD. It is designed for secure transfers, digital payments, currency exchange, expense tracking, business payment solutions, and IRU Loans. Bulk payments and other services depend on supported payment integrations. Lending requires regulatory authorization and risk controls.

3. User Accounts & Organization Scope

  • You are responsible for the security of your sign-in credentials and for activity on your account.
  • Identity verification may be required before full access.
  • Fraudulent activity or sharing an account in order to hide who is paying is prohibited.

4. Payments and lending

  • Mobile money and bank access are subject to availability of supported integrations.
  • You confirm the mobile-money PIN with your carrier. IRU Wallet does not ask for that PIN on this website.
  • IRU Loans requires regulatory authorization, licensed partners, and risk controls.

5. Prohibited Activities

Users may not:

  • Access another person's account or payment data without permission.
  • Misrepresent identity during registration or KYC.
  • Copy or reverse-engineer the platform.
  • Use the service to move money in violation of applicable law.

6. Intellectual Property

All software, user interfaces, branding, and proprietary algorithms on the IRU BUSINESS GROUP LTD platform are protected intellectual property. You may not reproduce, distribute, or modify any part of the platform without explicit written authorization.

7. Limitation of Liability

IRU BUSINESS GROUP LTD is provided on an "as is" and "as available" basis. We strive for 99.9% operational availability but do not guarantee uninterrupted service. To the maximum extent permitted by law, IRU BUSINESS GROUP LTD shall not be liable for indirect, incidental, or financial loss arising from operational interruptions or third-party service provider failures.

8. Governing Law & Contact

These Terms of Service are governed by applicable laws. For inquiries or support, contact us at:

  • Phone: +250 795 381 733 / +250 736 318 111
  • Address: Gahanga, Kicukiro, Kigali, Rwanda
  • Website: www.iruwallet.com