Terms of service

Last updated: 2 September 2026

These terms apply to your use of the TibaPay website and app, operated by Kuula Microfinance Company Limited ("we", "us"), a company based in Kampala, Uganda. By using TibaPay you agree to them.

What TibaPay is

TibaPay is a healthcare financing service. Where an application is approved and you accept the terms offered, we pay a partner hospital for a bill raised for your treatment, and you repay us in instalments.

TibaPay is not a cash loan and not insurance. Money is paid to the partner hospital for a verified bill, not disbursed to you.

Eligibility

• You must be an adult resident in Uganda.
• You must complete identity verification using a valid National ID.
• You must use a phone number and mobile money account in your own name.
• The bill must be raised by a TibaPay partner hospital.

Meeting these requirements does not entitle you to financing. Every application is assessed individually and approval is not guaranteed. We may approve a lower amount than requested, or decline.

Your account

Keep your sign-in details and one-time codes to yourself. You are responsible for activity on your account. Tell us immediately if you think someone else has access to it. We may suspend an account where we suspect fraud, misuse or a breach of these terms.

Offers, acceptance and cost

If financing is offered, the app shows the amount, the service fee, the total repayable, each instalment and its due date, and the lender of record, before you accept. An offer is valid only for the period stated and may expire.

The cost is fixed at acceptance. We do not add charges afterwards to financing you have already agreed to. Declining an offer costs nothing.

Repayment

You repay by mobile money on the agreed dates. You may repay earlier than scheduled. If you expect to miss an instalment, contact us before the due date — missed payments may lead to additional costs, may be reported where we are required or permitted to do so, and may affect future applications.

Partner hospitals

Clinical care is provided by the hospital, not by us. We are not responsible for the treatment given, its outcome, or a dispute about the care you received. Those must be raised with the hospital. We are responsible for the financing arrangement itself.

Cancellation and deletion

You may ask us to close your account at any time. Where financing is still outstanding, closure takes effect once your obligations are settled, and we retain records the law requires us to keep. See the privacy policy.

Availability of the service

We aim to keep TibaPay available, but we do not guarantee uninterrupted access. We may suspend the service for maintenance, security or legal reasons.

Changes to these terms

We may update these terms. The date above shows when they last changed, and where a change is significant we will tell you in the app. Financing you have already accepted continues on the terms you accepted.

Governing law

These terms are governed by the laws of Uganda.

Contact

Questions about these terms: hello@tibapayapp.com. Support: support@tibapayapp.com.