Plateforme technologique de paiement
Intégrateur de solutions de paiement, conformité, sécurité, fiabilité disponible dans plus de 15 pays en Afrique
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Intégrateur de solutions de paiement, conformité, sécurité, fiabilité disponible dans plus de 15 pays en Afrique
Only the French version shall prevail.
Last updated: 02/09/2026 — Effective from: 02/09/2026
These Terms of Use ("Terms") define the conditions under which users may access the SINJEWA platform and use its features.
Accessing and using SINJEWA implies full acceptance of these Terms. If the user does not accept these Terms, they must stop using the platform.
The user must provide accurate, complete and up-to-date information.
The user warrants that they have the legal capacity required to use the services offered.
SINJEWA may refuse or suspend access to certain features when:
The user is responsible for keeping their credentials confidential. They must immediately inform SINJEWA of any unauthorized use of their account.
The user must not:
SINJEWA may require additional authentication for certain operations.
Certain operations are subject to completion of an identity verification procedure.
The user agrees to provide authentic information and documents.
SINJEWA may suspend an operation when the verification procedure is not completed or when the information provided is inconsistent.
Additional checks may be carried out in accordance with applicable legal and regulatory requirements.
The user must carefully check:
After confirmation, the operation may be submitted for processing. Depending on the nature of the operation and its stage of execution, cancellation may no longer be possible.
Applicable fees are presented to the user before confirmation of the operation where technically and regulatorily possible.
Fees may notably include:
The amount actually received by the beneficiary may differ from the amount initially paid due to applicable fees, conversions or execution conditions.
SINJEWA reserves the right to change its fees and rates at any time without prior individual notice. The fees applicable to each operation are those displayed on the platform when validated by the user.
Where an operation involves a currency conversion, the applicable conversion amount is shown to the user as part of the operation flow.
Exchange rates may change. The rate displayed at initiation or confirmation may differ from the rate ultimately applied where processing occurs later and applicable conditions allow it.
SINJEWA provides the technology environment enabling initiation and tracking of operations. Actual execution of an operation may depend on various parties involved in the processing chain.
An operation may be:
The status displayed in SINJEWA is the known state of the operation at the time of display.
SINJEWA does not provide an e-wallet. The user has no electronic money account or payment account allowing funds to be freely held in SINJEWA.
Operation information visible in the user account reflects the history and technical tracking of operations. It does not constitute a deposit of funds with SINJEWA.
Certain operations may be intended for beneficiaries located abroad. Such operations may be subject to the rules applicable to international transfers, foreign exchange, compliance and regulatory controls.
Execution of an international operation may be delayed or refused where regulatory or operational conditions are not met.
It is prohibited to use SINJEWA to:
SINJEWA may immediately suspend an operation or account where prohibited use is suspected.
SINJEWA may perform or have performed checks aimed at preventing fraud, money laundering, terrorist financing and other illicit uses. Such checks may result in temporary suspension of an operation.
Where permitted or required by law, certain information may be disclosed to the competent authorities.
SINJEWA uses reasonable means to keep the platform accessible. However, no guarantee of permanent availability is given.
The platform may be temporarily unavailable due to:
The user is responsible for:
SINJEWA is liable for the obligations directly incumbent on it in providing its technology platform.
SINJEWA cannot be held liable for acts or failures of a third party involved in executing an operation where such events are beyond its reasonable control.
This limitation does not apply to liabilities that cannot be excluded by law.
Any complaint must be sent to: support@sinjewa.com
The request should include, where possible:
SINJEWA may request additional information in order to review the complaint.
Personal data is processed in accordance with SINJEWA's Privacy Policy and applicable Cameroonian regulations.
The user is invited to read the Privacy Policy before using the services.
SINJEWA may amend these Terms to reflect notably:
The new version will be published on the platform.
SINJEWA may suspend or close an account where:
Where permitted by law, the user is informed of the measure taken.
These Terms are governed by the applicable law of the Republic of Cameroon and, where applicable, by CEMAC community legislation.
Mandatory provisions applicable to payment services, foreign exchange operations, consumer protection and data protection remain applicable.
The parties shall first seek an amicable solution to any dispute. Failing amicable agreement, the dispute shall be submitted to the competent Cameroonian courts, subject to applicable mandatory rules.
Only the French version shall prevail.
Last updated: 02/09/2026 — Effective from: 02/09/2026
This Policy explains how SINJEWA collects, uses, stores, protects and, where necessary, discloses users' personal data. Processing is carried out in accordance with applicable regulations, notably Law No. 2024/017 of 23 December 2024 on the protection of personal data in Cameroon.
Depending on the services used, SINJEWA may notably collect:
Where regulations or the nature of an operation so require, SINJEWA may carry out identity verification. Such verification may include identity documents, biometric information or other necessary elements, where legally permitted. Part of this processing may be performed with the assistance of a specialized provider.
Data may notably be used to:
Processing is carried out on applicable legal bases, notably where necessary for performance of a requested contract or service, compliance with a legal or regulatory obligation, fraud prevention and security, legitimate interest where applicable, or consent where required.
Data may be disclosed, where necessary, to categories of recipients such as technical, payment, settlement, identity verification, hosting, IT security providers, professional advisers and competent authorities. SINJEWA does not necessarily publish the identity of each of its providers in its public documents.
Some providers used by SINJEWA may be established outside Cameroon or CEMAC. Where data is transferred to another country, SINJEWA implements the measures required by applicable regulations to ensure an appropriate level of protection.
Data is kept for a period proportionate to the purposes for which it is processed. Certain data may be kept longer where a legal, regulatory, accounting, tax, judicial or compliance obligation so requires.
SINJEWA implements technical and organizational measures designed to protect personal data against unauthorized access, destruction, loss, alteration, disclosure or misuse.
SINJEWA may use cookies or similar technologies necessary for operation, security, audience measurement and, where applicable, improving the user experience.
Subject to the conditions and limits set by applicable regulations, users may notably have rights of access, rectification, update, erasure where applicable, objection where applicable, and restriction where applicable.
Any request relating to personal data may be sent to: legal@sinjewa.com
SINJEWA may request information to verify the requester's identity where necessary.
Certain data may be retained or disclosed where necessary to comply with a legal or regulatory obligation, notably regarding anti-money laundering, counter-terrorist financing, fraud prevention, tax and accounting obligations, or requests from competent authorities.
SINJEWA services are not intended for persons who lack the required legal capacity to use the services concerned. Where the law imposes specific conditions relating to minors, they are applied.
SINJEWA may amend this Policy to reflect changes in its services, practices or applicable regulations. The version published on the platform is the version in force.
Only the French version shall prevail.
Last updated: 02/09/2026 — Effective from: 02/09/2026
This Policy defines the conditions under which a refund may be requested or made in connection with operations carried out through SINJEWA.
A refund request does not automatically result in the refund of an operation. Each request is reviewed based on:
Where an operation has not been executed and the funds can be returned, SINJEWA may initiate a refund procedure through the applicable settlement channel.
The refund time may depend on the various parties involved in processing the operation.
Where an operation fails after initiation, a review may be carried out to determine whether funds should be returned.
Refunds are made where technical and regulatory conditions allow.
Where a user notices that the same payment appears to have been debited several times for a single operation, they must contact SINJEWA as soon as possible.
After verification, any unduly debited and effectively recoverable amount may be returned.
The user is responsible for checking beneficiary information before confirming the operation.
Where an operation has been executed in accordance with the information provided by the user, a refund cannot be guaranteed.
SINJEWA may nevertheless initiate a recovery procedure where technically and legally possible.
Fees already incurred in processing an operation may not be refundable where they correspond to a service actually provided or to non-recoverable costs.
However, applicable rules may provide for repayment in certain situations.
Where an operation involves a currency conversion, the amount returned may differ from the initial amount due to exchange rate movements or fees related to the settlement process.
Applicable terms are determined according to the circumstances of the operation.
Any request must be sent to:
The request should include, where available:
Unless otherwise provided by law or special circumstances, a refund request must be submitted within 30 days of the operation date or discovery of the problem.
Where a user believes an operation was carried out without their authorization, they must contact SINJEWA immediately.
Security and compliance checks may be carried out before any decision.
SINJEWA may request additional information in order to verify the request.
Where a refund is accepted, the repayment time depends notably on the payment channel used and the providers involved in settlement.
Where possible, refunds are made through the same payment channel or to the appropriate account or means of payment under applicable rules.
SINJEWA may request additional information before making a repayment.
A refund may notably be refused where:
