Using Qoonta

Qoonta provides AI-assisted finance management over WhatsApp: you send your income and expenses, and Qoonta records, categorizes, and summarizes them, and answers questions about your business. Qoonta may also assess your eligibility for working capital based on your recorded activity.

You must be operating a business and be legally able to enter into these terms. You're responsible for keeping your WhatsApp account and access secure.

• Qoonta costs 9,500 RWF per month.
• Your first month is free.
• If you choose yearly billing, you pay for 10 months and use all 12.
• There are no setup fees, and you can cancel at any time. Fees already paid are non-refundable except where required by law.

Qoonta is an underwriting engine, not a lender. Any working capital is provided and funded by licensed bank and microfinance (MFI) partners, and is subject to their approval, terms, and conditions. Eligibility is based on your recorded financial activity and is never guaranteed. Loan terms, including repayment, are set by the funding partner.

You're responsible for the accuracy of the information you send to Qoonta. Qoonta organizes what you provide, but it is your record of your business. You agree to use Qoonta lawfully and not to misuse, disrupt, or attempt to gain unauthorized access to the service.

Your records belong to you. How we handle your information is described in our Privacy Policy.

We work hard to keep Qoonta reliable, but the service is provided “as is.” We may update, suspend, or change features over time. Qoonta also depends on WhatsApp and mobile networks, which are outside our control.

To the fullest extent permitted by law, Qoonta is not liable for indirect or consequential losses arising from your use of the service. Qoonta provides finance-management and underwriting support; it does not provide accounting, tax, or financial advice.

You can stop using Qoonta at any time. We may suspend or end access if these terms are breached or to protect the service and its users.

These terms are governed by the laws of the Republic of Rwanda.

We may update these terms from time to time; the date above shows when they last changed. Questions? Message us on WhatsApp at 0781 653 156 or email hello@qoonta.com.