This Agreement contains terms and conditions that involves you partaking in QMoney Financial Services’ mobile money service and supersedes all other agreements entered into between you and QMoney Financial Services, Kairaba Avenue PO Box 3469 Serrekunda, The Gambia with respect to the QMoney Services (“QMoney”). These terms and conditions take effect on the date of publication. By partaking in or continuing to use the QMoney Service, you shall be deemed to be making an affirmative statement of your acceptance of these terms and conditions. QMoney may change these terms and conditions from time to time. If QMoney makes changes to these terms and conditions, you will be notified and asked to accept the new terms as a condition of continuing to use QMoney Services.