Amabwiriza yo Gukoresha

Iyo umanutse, winjije, cyangwa ukoresheje porogaramu iyo ari yo yose ya Murika (Murika App, Murika Agent App, Murika Logistics App) cyangwa winjiye ku rubuga rwacu murika.co.rw, wemeye kubahiriza aya Mabwiriza y'Ikoreshwa ("Amabwiriza"). Niba utabyemeye, ntukoreshe Serivisi zacu.

Aya Mabwiriza ni amasezerano afite agaciro ku mategeko hagati yawe na Murika Ltd, ikigo cyanditswe mu Rwanda ("Murika", "twe", cyangwa "-acu"). Aya Mabwiriza agomba gusomwa hamwe na Politiki yacu y'Ibanga, isobanura uko dukusanya, dukoresha kandi turinda amakuru yawe bwite, kandi ni ngombwa ko ayo mategeko abarwa nk'aho ari mu Mabwiriza. Dushobora guhindura aya Mabwiriza igihe cyose; gukomeza gukoresha Serivisi nyuma y'impinduka bivuze ko wemeye Amabwiriza mashya.

Ugomba kuba ufite byibuze imyaka 16 kugira ngo ukoreshe Murika nk'umuguzi cyangwa ureba ibiri ku isoko. Kugira ngo wiyandikishe nk'umuhinzi-mworozi, koperative, ikigo, agent, cyangwa umushoferi utanga ibicuruzwa — imirimo ijyana no kwakira amafaranga, kwemera uburyo bwo kwishyura, cyangwa gukorera nka nyir'umutungo wigenga — ugomba kuba ufite byibuze imyaka 18 kandi ufite ubushobozi ku mategeko bwo gusinya amasezerano mu Rwanda.

Mu gukoresha Serivisi zacu, wemeza ko:

• Ufite imyaka ijyanye n'uruhare wawe

• Ufite ubushobozi ku mategeko bwo kwemera aya Mabwiriza

• Amakuru yose watanze mu kwiyandikisha ni ay'ukuri kandi ni ay'ubu

• Uzakomeza kugira amakuru y'ukuri

Murika ifite uburenganzira bwo guhagarika cyangwa gukuraho konti zitubahiriza ibisabwa hejuru.

Murika ikoresha isoko rya digitale ry'ubuhinzi rigizwe na:

Isoko rya Murika (Porogaramu y'Umuhinzi-mworozi): Ituma abahinzi-borozi bandika umusaruro wabo, bagenzura ibiri mu bubiko, bakira amabwiriza, kandi bahura n'abaguzi mu Rwanda hose.

Porogaramu ya Murika Agent: Ituma ba agent bagenzura ubuhinzi mu murima, bemeza amakuru y'abahinzi-borozi n'ibiri mu bubiko, kandi batanga raporo binyuze kuri porogaramu.

Porogaramu ya Murika Logistics: Ituma abashoferi bigenga batwara ibintu, bemera gutwara umusaruro, bagenzura aho bafata no gutanga umusaruro, kandi bakurikirana urugendo mu gihe nyacyo. Igihe agutwara umusaruro arimo, porogaramu isangira aho ari ako kanya n'umuhinzi-mworozi, umuguzi na Murika (reba Igice cya 5).

Urubuga rwa Murika: Itanga amakuru ku kigo, ibikoresho by'ubufasha, no kugera kuri serivisi z'isoko.

Murika ni urubuga ruhuza abantu. Ntabwo dutunze, tugura, cyangwa tugurisha umusaruro w'ubuhinzi ku giti cyacu, kandi ntabwo turi mu masezerano hagati y'abahinzi-borozi n'abaguzi keretse byavuzwe ukundi.

Kwiyandikisha: Ugomba kurema konti kugira ngo ubone ibikorwa byinshi. Wemeye gutanga amakuru y'ukuri, yuzuye kandi ni ay'ubu.

Umutekano wa Konti: Ufite inshingano yo kubika mu ibanga amakuru yo kwinjira kwawe. Ugomba kutumenyesha ako kanya kuri info@murika.co.rw niba ukeka ko hari uwinjiye kuri konti yawe nta ruhushya.

Konti Imwe kuri Buri Mukoresha: Ntushobora gukora konti nyinshi cyangwa gusangira konti yawe n'abandi.

Guhagarika Konti: Dufite uburenganzira bwo guhagarika cyangwa gukuraho burundu konti yawe niba utubahirije aya Mabwiriza, ukoze ibikorwa by'uburiganya, cyangwa ukoresheje nabi urubuga.

Ibicuruzwa by'Abahinzi-borozi: Abahinzi-borozi batanga umusaruro kuri Murika bemeza ko ari nyir'umutungo cyangwa bemerewe kugurisha uwo musaruro, ko amakuru yose (ingano, ubwiza, igiciro, aho biherereye) ari ay'ukuri, kandi ko umusaruro ubahiriza amategeko y'umutekano w'ibiribwa n'ubuhinzi mu Rwanda.

Kwemeza Ibicuruzwa: Mbere y'uko umusaruro w'umuhinzi-mworozi, koperative, cyangwa ikigo ugaragara ku baguzi, ugomba kwemezwa: agent wa Murika asura akanditse ingano nyayo y'umusaruro, hanyuma umukozi wa Murika akagenzura no kwemeza icyo cyemezo — umusaruro wongerwa ku isoko gusa nyuma y'uko iryo yemezo ritanzwe. Murika yemeza ko buri gicuruzwa cyanyujijwe muri iyi nzira, uretse ibicuruzwa by'Abahinzi-borozi Bizewe (reba hepfo).

Abahinzi-borozi Bizewe: Murika ishobora guha umuhinzi-mworozi, koperative, cyangwa ikigo uburenganzira bw'Umuhinzi-mworozi Wizewe, bishingiye ku mateka ye yo kwemezwa no kugurisha. Umuhinzi-mworozi Wizewe ashobora guhindura ibiri mu bubiko bwe ubwe, nta gusurwa na agent cyangwa kwemezwa n'umukozi wa Murika buri gihe, kubera ko yamaze kwerekana ko yizewe binyuze mu nzira ya Murika yo kwemeza. Murika ishobora guha cyangwa gukuraho uburenganzira bw'Umuhinzi-mworozi Wizewe hakurikijwe icyemezo cyayo. Kuba Umuhinzi-mworozi Wizewe ntibikuraho inshingano y'umucuruzi yo kwemeza ko ibyo atanze ari ukuri — reba Ibicuruzwa by'Abahinzi-borozi hejuru.

Ibicuruzwa Bibujijwe: Ntushobora gutanga umusaruro w'ibinyoma, wibwe, udafite umutekano wo kuribwa, cyangwa utabahirije amategeko y'u Rwanda.

Gutanga no Gusangira Aho Uri: Iyo umushoferi yemeye gutwara umusaruro kuri porogaramu ya Murika Logistics, aba yemeye ko aho ari, hakoreshejwe GPS, hakusanywa kandi hagasangirwa n'umuhinzi-mworozi (mu gihe agiye gufata umusaruro), umuguzi (guhera igihe yawufashe kugeza atanze), na Murika, kugeza igihe urugendo rurangiye cyangwa ruhagaritswe — harimo n'igihe porogaramu ikorera inyuma. Abashoferi bagomba kubika serivisi z'aho baherereye zikorera mu gihe cyose cy'urugendo kandi ntibemerewe kuzihagarika, kubeshya, cyangwa kuzihindura. Abahinzi-borozi n'abaguzi bashobora gukoresha aho umushoferi ari n'amakuru ye ahamagarirwaho gusa mu kugena urwo rugendo, kandi abashoferi bashobora gukoresha amakuru y'umuhinzi-mworozi cyangwa umuguzi ku mpamvu imwe gusa. Reba Politiki yacu y'Ibanga ku birebana n'uko amakuru y'aho uri akoreshwa.

Igihe wongeye igicuruzwa mu gitebo cyawe ukatangira kwishyura, Murika ibika by'agateganyo ingano y'uwo musaruro kugira ngo hatagurishwa undi muguzi mu gihe urangiza itumiza ryawe. Iri bika rifite igihe kigenwe kandi rirangira ryo ubwaryo niba utarangije itumiza mu gihe; porogaramu ikwereka igihe gisigaye. Gutumiza ntibivuze ko igiciro cyangwa ingano byanditswe bizakomeza kuboneka nyuma y'icyo gihe.

Abahinzi-borozi, koperative n'ibigo bafite inshingano yo kubika amakuru y'ibicuruzwa mu buryo bw'ukuri no gutanga vuba amatumizo yishyuwe. Murika ishobora guhagarika itumiza, ryose cyangwa igice cyaryo, niba umusaruro utagihari, wagaragaye ko utanditswe neza, cyangwa udashobora gutangwa mu mutekano. Reba Igice cya 9 (Kwishyurwa) kubona icyo kwishyura wamaze gukora ku itumiza ryahagaritswe kizaba.

Ibipimo by'Uburemere: Umusaruro wose ugurishwa kuri Murika upimwa hakoreshejwe ibipima uburemere bya elegitoroniki, kandi keretse ku bicuruzwa by'Abahinzi Biringiwe, ubwo buremere bugenzurwa ku buryo bwigenga n'umukozi wa Murika uri ku murima nk'uko bisobanurwa mu Gice cya 5. Uburemere bwemejwe mu gihe cyo kugenzura ni bwo bugaragara ku itumiza ryawe no ku nyemezabuguzi. Kubera ko uburemere bwamaze gupimwa kandi bukemezwa ku buryo bwigenga mbere y'uko igicuruzwa kigaragara ku isoko, Murika ntabwo yemera impaka zishingiye ku muguzi wongeye gupima umusaruro akoresheje igipima gitandukanye igihe cyo gutanga.

Murika ifasha gutunganya kwishyura hagati y'abaguzi, abahinzi-borozi, koperative, ibigo, abashoferi n'abakozi ba Murika (agents). Bitewe n'uburyo bushoboka kuri wowe, ushobora kwishyura ukoresheje MoMo (MTN Mobile Money, Airtel Money), kohereza amafaranga muri banki, cyangwa ubundi buryo bugaragazwa igihe utumiza. Aho amafaranga y'ikiguzi cyangwa ay'ubutumwa bwo kohereza akoreshwa, aragaragarizwa mbere y'uko wemeza kwishyura. Uretse itumiza ryishyurwa nyuma cyangwa ryo Kwishyura Nyuma (reba Igice cya 8), wishyura igihe utumiza.

Kwishyura bitunganywa na Murika cyangwa n'abafatanyabikorwa batanga serivisi z'ubwishyu bemewe n'amategeko batwongereye. Murika si banki kandi ntibika amafaranga yawe muri konti y'ububiko.

Igihe Abahinzi-borozi, Abashoferi n'Abakozi ba Murika Bishyurwa: Amafaranga watanze ku itumiza abikwa na Murika kugeza itumiza rigeze ku muguzi neza. Igihe gutanga bimaze kwemezwa, umuhinzi-mworozi, koperative cyangwa ikigo cyatanze umusaruro birishyurwa, n'umushoferi wagejeje itumiza na we arishyurwa. Umukozi wa Murika (agent) abona ingurane ku musaruro wagurishijwe muri iryo tumiza, itangwa mu gihe kigenwe hamwe n'izindi ngurane yaba yarabonye, urugero nko kugenzura abahinzi-borozi na koperative. Kwishyura kwaba kwatinda nyuma yo gutanga, bitagize ingaruka ku itumiza ryawe, niba uwatanga serivisi z'ubwishyu adashoboye by'agateganyo gutunganya iyo ntumo.

Inyemezabuguzi z'Umusoro (EBM): Aho amategeko y'u Rwanda abisaba, buri igicuruzwa gicuruzwa gitangirwa inyemezabuguzi ya elegitoroniki binyuze mu buryo bwa EBM bwa Rwanda Revenue Authority. Murika ni yo itanga iyi nyemezabuguzi ikoresheje iyandikwa ryayo bwite muri EBM ku byo waguze; ntabwo itangwa n'umuhinzi-mworozi, koperative cyangwa ikigo byatanze umusaruro.

Kwishyura Ukigeza (kwishyura nyuma y'uko itumiza rigeze, mu gihe gito kwerekanwa igihe utumiza) na Kwishyura Nyuma (inguzanyo ngufi yerekanwa muri porogaramu, yishyurwa mu gihe cyerekanwa igihe watumizaga) biboneka gusa ku baguzi Murika yahaye uburenganzira bw'Umuguzi Wizewe. Kuba Umuguzi Wizewe ntibivuze ko byose byemewe ako kanya — Murika ihitamo ku giti cyayo niba Kwishyura Ukigeza cyangwa Kwishyura Nyuma bizemererwa Umuguzi Wizewe, kandi ishobora guha cyangwa gukuraho uburenganzira bw'Umuguzi Wizewe cyangwa serivisi imwe muri izo igihe cyose.

Niba ukoresheje Kwishyura Ukigeza cyangwa Kwishyura Nyuma, wemeye kwishyura amafaranga yose asigaye mu gihe cyerekanwa muri porogaramu. Tuzagutumira kwibutsa mbere n'inyuma y'igihe cyo kwishyura. Konti ifite amafaranga atarishyurwa mu gihe kirenze ishobora kubuzwa gukora andi matumizo yishyurwa nyuma, kandi Murika ishobora gukurikirana ayo mafaranga hakoreshejwe uburyo busanzwe bw'amategeko. Murika ntabwo yishyuza inyungu ku mafaranga ya Kwishyura Nyuma; aho igipimo ntarengwa gikoreshwa kuri konti yawe, kiragaragazwa muri porogaramu.

Ushobora kwishyurwa amafaranga wamaze gutanga igihe: (a) Murika cyangwa umuhinzi-mworozi bahagaritse itumiza ryawe kubera ko umusaruro utagihari; (b) itumiza ryawe ridashoboye gutangwa nta kosa ryawe; cyangwa (c) ufite uburenganzira bwo kwishyurwa hakurikijwe amategeko arengera abaguzi mu Rwanda. Kwishyurwa bikorerwa ku buryo wakoresheje wishyura — cyangwa, ku birebana na Kwishyura Ukigeza/Kwishyura Nyuma, bikagabanywa ku mafaranga usigaje — mu gihe gikwiye.

Murika ntabwo itanga kwishyurwa ku musaruro watanzwe uko wari wasabwe kandi uhuye n'uko wari waranditswe, cyangwa kubera guhindura umutima nyuma yo kwemeza itumiza. Niba wumva ko itumiza ritatanzwe neza, dutumire kuri info@murika.co.rw cyangwa binyuze mu bufasha bwo muri porogaramu vuba bishoboka.

Inguzanyo ziboneka gusa ku bahinzi-borozi, koperative n'ibigo byahawe uburenganzira bw'Umuhinzi-mworozi Wizewe (reba Igice cya 5). Umuhinzi-mworozi Wizewe ashobora gusaba inguzanyo ishingiye ku musaruro utegerejwe gusarurwa cyangwa ku musaruro usanzwe uri mu bubiko, bikurikije uburenganzira bwa Murika. Murika ntabwo yishyuza inyungu ku nguzanyo. Inguzanyo yemejwe yishyurwa yo ubwayo: Murika ikura amafaranga asigaye ku byo uzahabwa mu gihe kizaza kugeza inguzanyo irangiye, mbere y'uko andi mafaranga asigaye akwishyurwa. Mu gusaba inguzanyo, wemereye Murika gukoresha amafaranga uzahabwa mu gihe kizaza mu kwishyura inguzanyo yawe uko bivuzwe haruguru.

Niba wiyandikishije nk'umushoferi utanga ibintu cyangwa agent, ubikora nk'uwikorera ku giti cye, atari nk'umukozi, uhagarariye ku mategeko, umufatanyabikorwa, cyangwa uhagarariye Murika. Ufite inshingano yawe bwite ku byerekeye imisoro kandi, aho bikenewe, imodoka yawe, ibikoresho n'ubwishingizi. Murika ntabwo yemeza umubare ntarengwa w'akazi, ibitwarwa, ibyemezo, cyangwa amafaranga uzabona. Amafaranga abarwa kandi agatangwa hakurikijwe igipimo n'igihe cyerekanwa muri porogaramu, ibyo Murika ishobora guhindura igihe cyose ibimenyesheje mbere.

Wemeye kutazakora ibi bikurikira:

• Gukoresha Serivisi ku mpamvu zinyuranyije n'amategeko cyangwa zirenga ku mategeko y'u Rwanda

• Gutanga amakuru y'ibinyoma, ayobya, cyangwa ay'uburiganya

• Guhohotera, gutera ubwoba, cyangwa gukomeretsa abandi bakoresha

• Kugerageza kwinjira mu gice icyo ari cyo cyose cy'urubuga cyangwa muri konti y'undi mukoresha nta ruhushya

• Gukoresha porogaramu zikorera zonyine, robot, cyangwa ibikoresho byo gukusanya amakuru mu buryo budasanzwe

• Gusesengura, guhindura, cyangwa gutandukanya igice icyo ari cyo cyose cy'porogaramu zacu

• Kohereza malware, virusi, cyangwa kode iyo ari yo yose yangiza

• Gukoresha nabi cyangwa guhindura sisitemu y'amafaranga, ay'ukwishyurwa, cyangwa amanota

• Kubeshya, guhindura, cyangwa kubangamira aho telefone yawe ibarizwa mu gihe utanga umusaruro

• Gukoresha aho undi mukoresha ari cyangwa amakuru ye ahamagarirwaho ku mpamvu itari uko yagusangiye

• Kwiyita umukozi wa Murika, agent, cyangwa undi mukoresha

• Guhakana cyangwa gusubiza inyuma kwishyura kw'ukuri binyuze ku wakwishyuriza ("chargeback") aho kuvugana n'ubufasha bwa Murika

Ibiri byose kuri urubuga rwa Murika — harimo nta ho bigarukira ku kirango, izina ry'ikigo, imiterere ya porogaramu, inyandiko, amashusho, na porogaramu-mudasobwa — ni umutungo wa Murika Ltd kandi birinzwe n'amategeko y'uburenganzira bw'umuhanzi, ikirango, n'ubwenge.

Uhawe uburenganzira buke, budasangirwa, kandi budahererekanywa bwo gukoresha Serivisi ku ntego zabyo. Ntushobora gusubiramo, gukwirakwiza, cyangwa gukora ibindi bikorwa bishingiye ku biri kuri Murika nta ruhushya rwanditse.

Mu gutanga ibirimo ku rubuga (nk'amafoto y'umusaruro cyangwa ay'umwirondoro), uha Murika uburenganzira budasangirwa kandi nta kiguzi bwo gukoresha, kwerekana, no gukwirakwiza ibyo birimo mu gukora no kwamamaza Serivisi.

Murika ni urubuga ruhuza abantu: ibikorwa n'ubutumwa bikorwa hagati y'abaguzi, abahinzi-borozi, koperative, ibigo, n'abashoferi. Niba habaye amakimbirane hagati y'abakoresha — urugero, ku birebana n'ubwiza bw'umusaruro, gutanga bitagenze neza cyangwa umusaruro wangiritse, cyangwa kwishyura — wemeye kubanza kugerageza kubikemura ubwawe, cyangwa uvugana n'ubufasha bwa Murika kuri info@murika.co.rw kugira ngo dufashe. Murika ishobora, hakurikijwe icyemezo cyayo, gufata ingamba nko guhagarika itumiza, guhindura amafaranga yo kwishyurwa, cyangwa guhagarika konti kugira ngo ikemure amakimbirane, ariko Murika ntabwo ifite inshingano yo gukemura buri makimbirane hagati y'abakoresha kandi ntabwo iri mu masezerano y'ibanze keretse byavuzwe ukundi n'ubugenzuzi.

Aya Mabwiriza agengwa kandi asobanurwa hakurikijwe amategeko y'u Rwanda, nta gushingira ku mategeko y'ihuzabikorwa.

Amakimbirane ayo ari yo yose ashingiye kuri aya Mabwiriza agerageza gukemuka mbere hose binyuze mu biganiro byiza. Niba adakemutse mu minsi 30, amakimbirane yoherezwa ku nkiko zibifitiye ububasha mu Rwanda.

Dushobora guhindura aya Mabwiriza igihe cyose. Tuzagumenyesha impinduka zikomeye tuvugurura itariki "Yavuguruwe bwa nyuma" kandi, aho bikwiye, binyuze kuri imeyili cyangwa ubutumwa bwo muri porogaramu. Impinduka zitangira gukurikizwa igihe zatangajwe. Gukomeza gukoresha Serivisi nyuma y'aho impinduka zatangajwe bivuze ko wemeye Amabwiriza mashya.

Ibintu Bitunguranye: Murika ntiyemera inshingano ku gucogora cyangwa gutinda mu gukora biterwa n'ibintu biri hanze y'ubushobozi bwacu, harimo ibiza gakondo, ibikorwa bya Leta, kubura amashanyarazi cyangwa murandasi, cyangwa ikibazo rusange ku bakora amasezerano yo kwishyura.

Kutabaho kw'Igice Kimwe: Niba igice icyo ari cyo cyose cy'aya Mabwiriza kigaragaye ko kidashobora gushyirwa mu bikorwa, ibindi bice bikomeza gukurikizwa uko byari bimeze.

Guhererekanya: Murika ishobora guhererekanya cyangwa gutanga aya Mabwiriza, byose cyangwa igice, mu bijyanye no guhuza ibigo, kugura ikindi kigo, cyangwa kugurisha umutungo. Ntushobora guhererekanya uburenganzira cyangwa inshingano zawe muri aya Mabwiriza nta ruhushya rwanditse rwacu.

Amasezerano Yuzuye: Aya Mabwiriza, hamwe na Politiki yacu y'Ibanga, ni amasezerano yuzuye hagati yawe na Murika ku birebana na Serivisi kandi asimbura amasezerano yose yabanjirije ku kibazo kimwe.

Kutareka Uburenganzira: Kudashyira mu bikorwa igice icyo ari cyo cyose cy'aya Mabwiriza ntibivuze ko twemeye kureka uburenganzira bwacu bwo kubikora nyuma.

Niba ufite ibibazo kuri aya Mabwiriza, dutumire:

Murika Ltd

Musanze, Muhoza, Hanga Hub

Kigali, u Rwanda

Imeyili: info@murika.co.rw

Telefone: 6069