Bevura
☰

Bevura App Terms and Conditions

Last updated: May 21, 2026

Welcome to Bevura App, a mobile platform offering Village Banking wallet, Mobile Money, and Bill Payment services. Outlined below are the Terms and Conditions that govern your access to and use of the Bevura App. Kindly read the contents carefully as they set out important details and information that you need to know about the Bevura App. These Terms and Conditions, the Fee Structure, and the Privacy Policy form a legal agreement between you, the Bevura wallet holder, and Yafika Mobile Money Ltd. By accessing or using our Services, you agree to be bound by these Terms and Conditions. If you are not agreeable, do not use these services.

01 — Regulatory Compliance

Bevura is an app operated by Yafika Mobile Money Limited, a duly registered Fintech under the Companies Act of Zambia and licensed by the Bank of Zambia.

02 — Eligibility

To open a Bevura Wallet, you must:

  • Be at least 16 years old
  • Hold a valid National Registration Card, Driver’s License, or Passport
  • Own a mobile number registered with a licensed mobile network operator in Zambia.

03 — Account Registration and KYC

To start using the Bevura App, you must complete Know Your Customer (KYC) verification as per Bank of Zambia Guidelines, which may include:

  • Full Names
  • Valid ID
  • Phone Number
  • Email Address
  • Residential Address
  • Live Photo

Your wallet may not be approved if your KYC information is incomplete or inconsistent.

04 — Our Services

Our services include:

a) Village Banking

The Village Banking wallet is an innovative feature of the Bevura App designed to facilitate community-based savings and lending groups, digitally replicating the traditional village banking model. Below are some of the features of the Village Banking wallet:

  • The group wallet must have a minimum of two administrators
  • Terms and conditions set by group members (such as savings and borrowing terms, interest rates, and tenure) are input in the group wallet, and the system will thereafter do all calculations for the group (say goodbye to complicated Excel sheets)
  • All group members have visibility to the transactions happening in the group wallet, promoting accountability and reducing the risk of dishonest transactions

NB: Bevura does not pay interest to the Village Banking group wallet holders; group interest is generated through loans amongst group members, just as it is done in a traditional village banking group.

b) Group Contributions Wallet

The Group Contributions wallet is a group wallet that allows Bevura wallet holders to pool funds for a common goal, such as kitchen party or wedding contributions. It is non-interest bearing, and like the Village Banking group wallet, all members have visibility to all transactions in the group wallet.

c) Bill Payments

Bevura wallet allows its users to pay for various bills such as electricity, airtime, data, TV bills, and many more.

d) Funds Transfer

Bevura wallet allows its users to transfer funds to other wallets, banks, and Mobile Network Operators.

05 — Fees and Charges

All applicable transaction fees are available on the app. We reserve the right to adjust fees in compliance with the Bank of Zambia approved tariff guidelines.

06 — Limits and Transaction Monitoring

Transaction and daily limits apply per user tier in line with Bank of Zambia directives. Yafika Mobile Money Limited reserves the right to monitor, flag, delay, or freeze transactions that appear to be suspicious or non-compliant with Anti-Money Laundering and Counter Financing of Terrorism (AML/CFT) Laws and report any suspicious activity on your wallet to relevant authorities.

07 — Liability for Incorrect Payments

To help us serve you better, it’s important that all information you enter into the Bevura App—such as your wallet details and the recipient’s information—is accurate and complete. Bevura relies entirely on the details you provide when processing payments. If there’s an error, like a wrong account number, a misspelled name, or selecting the wrong recipient, please note that this will be your responsibility.

Please note that Bevura payments are processed in real-time; therefore, most transfers cannot be cancelled or refunded once completed. If you made a mistake with a payment, get in touch with us right away. We’ll do our best to help reverse the transaction, but please understand that if the funds have already been delivered to the recipient wallet, recovery may not be possible.

While we’ll always try to assist where we can, Bevura cannot be held responsible for any losses resulting from incorrect information provided during the payment process.

08 — Reversals

It is the responsibility of the user to ensure all beneficiary details and amounts are correct when making fund transfers or bill payments. Once a transaction has been completed, it is final and irrevocable, and Bevura will not be compelled to reverse the transaction.

09 — User Responsibilities

As a Bevura wallet user, you agree to:

  • Keep your login credentials and PIN secure
  • Use the app only for lawful transactions
  • Promptly report any unauthorized use or security breach

You are fully responsible for all activities under your account unless reported as fraud.

10 — Our Responsibility

We aim to have an application available 24 hours a day, 7 days a week, 365 days a year. However, there may be times when this isn’t possible. These downtimes may be due to Bevura App needing to make upgrades or improvements or may be due to problems beyond our control, such as power outages, telecommunication failures, war, civil unrest, natural disasters, or other acts of God.

11 — Fund Movements

Within the Bevura App, you will be able to see fund movements both into and out of the Bevura Wallet. We will use a notification-based system to inform you of fund movements into and out of the Bevura account. If you decide to turn off notifications, then you are strongly encouraged to routinely check your Bevura wallet for detailed information on fund movements.

12 — Closing Your Wallet

You can close your wallet at any time through the Bevura Wallet App. Please follow the on-screen instructions to complete this. Kindly ensure that the wallet has no funds before you begin the wallet closure process.

13 — How Your Money is Protected

When you deposit funds into your Bevura Wallet, an equivalent amount of e-money is immediately credited to your wallet.

To protect your money, we use a regulatory process known as safeguarding. This means the funds you send to us are held in a separate client account with reputable and regulated commercial or central banks. These accounts are completely independent from Yafika’s business accounts and are governed by strict legal requirements.

Your money remains protected in this safeguarded account until you decide to use your e-money.

In the unlikely event that Yafika becomes insolvent, your funds are still safe. Because they are held separately in a protected account, you would be able to recover the full amount of your e-money balance.

14 — Data Protection and Privacy

We collect and process your personal data in accordance with Zambia’s Data Protection Act No. 3 of 2021. This includes but is not limited to:

  • Lawful and limited collection of data
  • Consent for marketing communications
  • Right to access, correct, or request deletion of your data

Please refer to our Privacy Policy for more information.

Yafika Mobile Money Limited reserves the right to disclose any data on your Bevura App to law enforcement, investigative wings, or regulatory bodies for the purpose of investigating irregular or suspicious activity on your wallet.

Yafika Mobile Money recognizes the importance of keeping your data protected and confidential, and we affirm that we will not disclose your personal data to unauthorized third parties.

15 — Authentication and Account Security

You are responsible for keeping your Bevura credentials confidential. To protect your wallet, the Bevura App enforces the following controls:

  • A 4-digit Personal Identification Number (PIN) is required to authorise every transaction.
  • Optional biometric login (fingerprint or face) may be enabled and is stored only in your device’s secure storage; biometric templates are never sent to Bevura servers.
  • Your account is locked after three consecutive failed login attempts, and you may need to reset your password or PIN to regain access.
  • Sessions time out after a configurable period of inactivity and you may be asked to re-authenticate.
  • You may review and revoke trusted devices, change your PIN or password, and update your security questions at any time from the in-app Security settings.

You agree not to share your PIN, password, OTP, or biometric credentials with any third party, and to notify Bevura immediately at info@yafika.net if you suspect unauthorised access to your account.

16 — Prohibited Activities

The following activities are prohibited on the Bevura wallet:

a) Money Laundering: Using the platform to conceal or disguise the origin of illicit funds.

b) Terrorist Financing: Funding or facilitating terrorist organizations or activities.

c) Fraud and Scams: Creating fake accounts, impersonation, phishing, Ponzi schemes, or social engineering scams.

d) Account Misuse: Sharing accounts or having multiple accounts under false identities.

e) Hacking or System Tampering: Attempting to exploit the platform’s systems or APIs.

17 — Intellectual Property

All content, trademarks, and intellectual property related to Bevura are owned by Yafika Mobile Money Limited. You may not reproduce or misuse any part of the app without permission.

18 — Suspension or Termination

We may suspend or terminate your account:

  • If you breach these Terms and Conditions
  • If instructed by the Bank of Zambia, regulatory authorities, or law enforcement
  • If your account is inactive for 6 months or more

19 — Disclaimer and Limitation of Liability

We are not liable for:

  • Delays or failures due to mobile network issues, system outages, or our partner institutions’ downtime
  • Indirect or consequential damages.

All services are provided “as is” and at your own risk.

20 — Dispute Resolution

In case of disputes, please contact our customer care team, Team Supervisor, or Country Manager. If unresolved or unsatisfied, disputes may be escalated to the Director Payment Systems - Bank of Zambia.

21 — Amendments to Terms

We may update these Terms from time to time, and changes will be communicated via the app, SMS, or email. Continued use of the app after updates implies acceptance of the revised terms.

22 — Governing Law

These terms are governed by the laws of Zambia and subject to the regulatory supervision of the Bank of Zambia.

23 — Contact Information

If you have any questions or concerns, you can contact us at:

Email: info@yafika.net

Phone: +260 77 407 0503 / +260 77 407 0905