Legal & Regulatory

Operating entity

Gwiza Fintech LTD Company TIN: 156157915 Registered address: 17 KG 676 Street, Amahoro, Kimihurura, Gasabo, Kigali, Rwanda Country of incorporation: Rwanda

Contact

• Support: admin@gwizafintech.com
• WhatsApp / phone: +250 789 801 633
• Postal address: as above.

What Gwiza does

Gwiza is a personal financial operating system for individuals living or earning in Rwanda. It helps users:

• record and understand their own money movement,
• plan savings goals and monthly budgets,
• receive AI-assisted guidance from Advisor Gwiza and Detective Gwiza (both general-education only, not regulated advice),
• initiate payments between the user's own accounts and their chosen counterparties via licensed partners.

Gwiza is non-custodial. We do not hold, receive, or control user funds. Money moves through licensed payment institutions and mobile money operators.

Regulatory status

• Gwiza operates as a non-custodial personal-finance application and information service.
• A Payment Initiation Service Provider (PISP) licence with the Banque Nationale du Rwanda (BNR) is in progress. Payment-initiation features remain limited to the scope of that authorisation as it evolves.
• We are not a bank, a licensed financial adviser, an investment adviser, or a broker-dealer.
• Gwiza does not provide regulated financial, investment, legal, or tax advice. Educational content and AI-generated responses are informational only.

Consumer protection

• Age eligibility: users must be 18 or older to open a Gwiza account (see Terms of Service §1).
• Dispute resolution: contact admin@gwizafintech.com in the first instance. Unresolved disputes are governed by the laws of Rwanda; venue is Kigali.
• Data protection: see Privacy Policy for our data-collection, retention, and cross-border transfer disclosures. Gwiza stores personal data with Supabase (EU / US regions) and processes AI queries with Anthropic under contract.

Third-party processors

Data classifications

Gwiza classifies user data as P0 (PII), P1 (financial transactions), P2 (derived / operational logs), and P3 (public reference). Retention rules follow Rwanda AML Law N° 028/2023 and FATF Recommendation 11 for financial-transaction records (10 years).

Last reviewed: 2026-07-02