• Be at least 18 years old and legally capable of entering into a binding agreement.
• Hold an active, registered mobile money account in your own name, used to complete the credit assessment and make instalment payments.
• Provide accurate identity, contact and (where required) guarantor information at application.

Nuur Mobile determines eligibility, device tier and payment plan through its own credit assessment process. Meeting the criteria above does not guarantee approval for a specific device or plan.

All device financing offered by Nuur Mobile is structured as a Murabaha (cost-plus) sale: Nuur Mobile purchases the device and sells it to the Customer at a Total Sale Price agreed and disclosed before signing. No interest or penalty interest (riba) accrues at any time, under any circumstance, on any Nuur Mobile plan.

Standard plans are available over 3, 6 or 12 months across our approved device catalogue. The exact device, specifications, price, schedule and frequency applicable to you are confirmed at application and recorded in your individual Murabaha Financing Agreement and Repayment Schedule, both of which form part of your contract with us.

At application, Nuur Mobile carries out a credit assessment to match you to a device tier and payment structure you qualify for. The exact device model, specifications, IMEI, serial number and condition are confirmed at hand-over and recorded on a Device Confirmation Slip, which forms part of your Agreement.

Instalments are payable according to the Repayment Schedule issued at signing, in the frequency, currency and amounts stated there, via your registered mobile money account. Your Repayment Schedule is delivered through the Nuur Mobile app and/or SMS and is incorporated into your Agreement by reference.

Title to the device remains with Nuur Mobile and passes to the Customer only on full settlement of the Total Sale Price. Until then, the device remains subject to the Device Lock Policy described below.

You may settle your outstanding balance early, in full or in part, at any time, with no penalty. Partial pre-payments reduce your outstanding balance.

If you are facing genuine hardship, contact us to discuss a compassionate rescheduling arrangement. We deal with hardship cases individually and consistently with Sharia principles, never through added interest or penalty charges.

• The device may include technical controls that temporarily restrict use once a payment becomes materially overdue.
• We notify you when a scheduled payment is missed or remains outstanding, before any restriction is applied.
• Where an amount remains materially overdue, we may temporarily restrict use of the device until payment is received and verified.
• Once the overdue payment is verified, unlocking is initiated through our device-management system, there is no separate unlock fee or penalty.
• Once your Agreement is fully settled, the device is permanently released from all payment-control restrictions.

Where a guarantor is required for your plan, they are verified by telephone and do not need to visit a branch or sign any physical document. By confirming their details on that call, the guarantor confirms their awareness of being listed as guarantor and their understanding of the support undertaking that applies to them.

• Pay each scheduled instalment on time, in full.
• Keep your contact and mobile money details accurate and up to date.
• Take reasonable care of the device, and use our designated support channel for any warranty or repair matter.
• Never remove, bypass or interfere with authorised device-management or lock controls.

If you fall behind on payments, we may contact you, apply the Device Lock Policy described above, and pursue other lawful remedies available under your Agreement where necessary. We do not, at any point, charge interest or penalty interest.

Devices are supplied new and subject to the manufacturer's or seller's standard warranty terms and exclusions. Use our designated support process for any warranty or repair request, and avoid unauthorised modifications that could affect the device or its payment-control functionality. You remain responsible for your payment obligations if the device is lost, stolen or damaged, unless we agree otherwise or applicable law provides otherwise.

By applying for financing, you authorise Nuur Mobile to use information reasonably required to administer your Agreement, including identity information, contact details, payment status and device identifiers, and to contact you via your registered mobile number, SMS, WhatsApp or other agreed channel for payment reminders, account updates, support and notices. Full detail on how we collect, use, share and protect your information is set out in our Privacy Policy, which forms part of these Terms.

• Provide accurate information when applying, registering, or communicating with us through the Service.
• Use the Service only for lawful purposes, and not to interfere with its security, availability, or normal operation.
• Not copy, resell, reverse-engineer or misuse any part of the Service, its content, or its branding without our written consent.
• All content, trademarks, logos and materials on nuurmobile.com and the Nuur Mobile app are the property of Nuur Mobile or its licensors and may not be used without permission.

The Service and its content are provided "as is" and, to the fullest extent permitted by applicable law, Nuur Mobile is not liable for indirect, incidental or consequential loss arising from your use of the Service. Nothing in this section limits any liability that cannot lawfully be excluded, or affects your rights under your individual Murabaha Financing Agreement.

These Terms, and every Agreement entered into under them, are governed by Sharia principles and, to the extent not inconsistent, by the applicable laws of [Jurisdiction]. Any dispute should first be raised in good faith with our support team; if unresolved, it may be referred to [mediation / the competent courts] of Somaliland.

We may update these Terms from time to time to reflect changes in our Service, our practices, or applicable law. Material changes will be communicated via the app, SMS, or our website before they take effect. Changes do not affect the terms of an Agreement you have already signed, other than routine updates to your Repayment Schedule made in accordance with that Agreement.

Questions about these Terms, your Agreement, or the Service can be directed to:
Email: info@nuurmobile.com
Phone: +252 63 7 637 000