Unless the context requires otherwise, the following definitions apply: “Device”: The mobile phone obtained through credit under this service. “Payment Plan”: The structured repayment schedule selected by the Customer for paying for the Device. “Device Locking”: A security feature that restricts Device functionality in case of payment default.

The Customer consents to Be’Jae accessing GSMA data and Telebirr transaction records to evaluate creditworthiness. The Customer agrees to pay an initial down payment and complete the remaining balance through weekly or monthly installments according to the selected Payment Plan. Payments shall be made using only Telebirr. The Customer is responsible for ensuring timely payments. Late or missed payments will attract penalties. The Device will have a pre-installed locking system, allowing Be’Jae to remotely restrict its usage in case of non-payment. A locked Device will only have the ability to make payment for clearing outstanding dues. Be’Jae reserves the right to apply a late penalty fee, remotely lock the device until payment is made and take legal action. The Device remains the property of Be’Jae until the full payment amount is repaid. After full repayment, ownership is transferred to the Customer. The Customer agrees to: Use the Device responsibly and not attempt to tamper with security features. Ensure timely installment payments. Immediately notify Be’Jae in case of device theft, loss, or damage. Not sell or transfer the Device while it is under financing.

Be’Jae offers mobile device credit services for Entry-Level Devices, Mid-Range Devices and High-End Devices. The Customer’s credit limit will be determined based on their credit score, as assessed through Be’Jae’s credit evaluation process. Customers will only qualify for devices within their approved credit limit. The device credit service scheme offers flexible repayment options with multiple credit durations of 3 Months (Weekly & Monthly Installments),6 Months (Weekly & Monthly Installments),12 Months (Weekly & Monthly Installments). The installment amount will depend on the selected payment plan, device price, and repayment frequency. The following fees will apply under the device financing scheme: Advance Payment fee: A down payment paid upfront before the device is handed over to the customer. Subscription Fee: A fee for onboarding to the Be’Jae platform. Facilitation Fee: A processing fee for approving and setting up the financing plan Insurance Fee: Covers the cost of insuring the device against theft or damage, with eligibility for one-time replacement under the terms of the insurance policy. Penalty Fees: Applied for late or missed payments, leading to device locking until payments are made. Value Added Tax (VAT): VAT charges will be included in the total cost of the device.

These Terms and Conditions shall be governed by and interpreted in accordance with the laws of the Federal Democratic Republic of Ethiopia.

As part of the credit plan, the Customer’s advance payment includes an insurance premium that provides protection against theft, loss or accidental damage. If the Device is lost, stolen, or irreparably damaged, the Customer is entitled to a one-time replacement, subject to the following conditions: The Customer must report the incident immediately to Be’Jae’s contact center and provide a valid police report (in case of theft or loss) to the nearby Insurance service center. For accidental damage, the Customer must submit the damaged Device to the nearby Insurance service center for verification. A replacement processing fee may be required, depending on the insurance provider’s terms. The replacement Device will be of the same or comparable model, subject to availability. To provide device insurance coverage, Be’Jae will share necessary customer information such as name, contact details, device details (IMEI, model, purchase date), loan status, and payment history with the partnered insurance provider to enable seamless claims processing.

By entering into the Mobile Device Credit Service Agreement with Be’Jae, the Customer acknowledges that the contract is binding until the full payment amount is repaid. The Customer cannot return the Device or request contract termination before the credit term is completed. The payment obligation remains in effect, and all outstanding payments must be made according to the agreed-upon schedule.

For any question related to the mobile device credit service and terms & conditions, contact our customer contact centre (by dialing 6074).