Terms and Conditions

Last updated 2 October 2026 · Botswana

These terms explain how you may use VouchMorph. By creating an account or signing in, you agree to them.

1. What VouchMorph does

VouchMorph moves money between participating banks, wallets and card issuers when you ask it to. We are not a bank and we do not hold your money — it stays with the institutions that hold your linked accounts until a transfer completes.

2. Your account

The details you give us must be true and your own.
You must be able to enter into a binding agreement under the laws of Botswana.
Keep your PIN and any codes we send you secret. VouchMorph staff will never ask for your PIN.
You are responsible for transactions made with your PIN. Tell us straight away if you think someone else knows it.

3. Using the service

Only link accounts that belong to you.
Do not use VouchMorph for anything illegal, including fraud or money laundering.
We may pause or refuse a transaction, or suspend an account, if we suspect misuse or the law requires it.

4. Fees

Any fee is shown before you confirm a transaction. By confirming, you agree to pay it.

5. Money sent to a phone number, email or ID

This money is held for the recipient for a limited time, and they must verify who they are before they can claim it.

6. Our responsibility

We work to keep VouchMorph available and secure, but we cannot promise it will never be interrupted. We are not responsible for delays or failures caused by banks, wallets, networks or others outside our control. Nothing in these terms takes away rights you have under the law.

7. Changes to these terms

We may update these terms from time to time. The date at the top shows when they last changed, and you are asked to agree each time you sign in.

8. Your personal information

How we handle your information is explained in our Privacy Policy.

9. Law and disputes

These terms are governed by the laws of Botswana, and disputes are subject to the courts of Botswana. VouchMorph operates under the supervision of the Bank of Botswana.

10. Questions

Use Help in the app or visit any VouchMorph agent.