Last updated 24 July 2026

Terms of Service

The terms governing your use of Thuma Express services, platforms and mobile applications.

1. Acceptance of Terms

By creating an account, accessing, or using any service on the Thuma Express platform — including Thuma Express, ThumaFleet, ThumaDrop, ThumaPay, ThumaCredit, ThumaShield, ThumaRescue, Thuma Chauffeur, ThumaRide, Thuma It, Thuma Global, or Thuma Hub (together, the "Services") — you agree to be bound by these Terms of Service ("Terms"). If you do not agree, do not use the Services. Last updated: July 2, 2026.

2. Eligibility

You must be at least 18 years old and capable of forming a binding contract to use the Services. Certain Services, such as ThumaCredit, carry additional eligibility criteria described within the relevant in-app flow.

3. Description of Services

The Services are provided by Thuma Express Zimbabwe (Pvt) Limited (logistics, fleet, rescue, and mobility services) and ThumaPay Zimbabwe (Pvt) Limited (wallet, advance, and insurance services), both subsidiaries of Thuma Express Holdings, Inc., which owns the Thuma Express brand and platform intellectual property globally.

4. Account Registration & Security

You must provide accurate and complete information when registering, and keep your account credentials confidential. You are responsible for all activity that occurs under your account. Notify us immediately at brand@thumaexpress.com if you suspect unauthorised use.

5. User Obligations & Prohibited Conduct

You agree to use the Services lawfully and not to: provide false information; use the Services to transport or transmit illegal goods or funds; harass drivers, operators, or other users; attempt to circumvent our fee structure; or interfere with the security or proper functioning of the platform. We may suspend or terminate accounts that violate these obligations.

6. ThumaPay Wallet Terms

ThumaPay is an e-money wallet operated by ThumaPay Zimbabwe (Pvt) Limited under its Reserve Bank of Zimbabwe payment systems licence. Transfers may be subject to a service fee and applicable Intermediated Money Transfer Tax (IMTT), both disclosed to you before you confirm any transaction. Wallet balances are not bank deposits and are not insured as such.

7. ThumaCredit Advance Terms

ThumaCredit provides short-term advances to eligible active drivers under ThumaPay Zimbabwe (Pvt) Limited's Reserve Bank of Zimbabwe Microfinance Act licence. The advance amount, flat fee, applicable IMTT, and total repayable amount are disclosed in full before you accept an advance. Repayment is deducted automatically from your future Thuma Express earnings on the schedule shown at the time of application.

8. ThumaShield Insurance Terms

ThumaShield cover is arranged by ThumaPay Zimbabwe (Pvt) Limited as an intended intended subject to IPEC registration insurance agent and broker, and underwritten by our licensed insurance partner(s). Cover terms, exclusions, and claim procedures are set out in the applicable policy documentation. Claims must generally be submitted within 48 hours of the relevant delivery or trip.

9. Delivery & Logistics Services

Thuma Express, ThumaDrop, ThumaFleet, and Thuma Global provide delivery, intercity, fleet management, and cross-border logistics services respectively. Delivery times for ThumaDrop and cross-border shipments via Thuma Global are estimates and not guarantees, particularly where dependent on customs clearance outside our control.

10. Mobility Services

ThumaRide and Thuma Chauffeur connect passengers with independent driver partners. Thuma Express Zimbabwe (Pvt) Limited does not itself provide transportation and is not the employer of driver partners, who operate as independent contractors unless otherwise stated in a separate agreement.

11. Thuma Hub

Thuma Hub locations (Hub Point, Hub Station, and Hub Centre) are operated directly by us or by authorised partner hosts. Items left at a Hub location for collection remain your responsibility until collected by the intended recipient, subject to applicable ThumaShield cover.

12. Fees and Payment

Fees for each Service are disclosed before you confirm a booking, transfer, or advance. We reserve the right to change our fees, with notice provided through the app or website in advance of the change taking effect.

13. Cancellations & Refunds

Thuma Express & ThumaDrop: free cancellation before a driver or hub accepts the booking; a small cancellation fee applies once a driver is assigned or the parcel is in transit; no refund once delivery is completed.

ThumaRide: free cancellation within 2 minutes of booking or before a driver is dispatched; a cancellation fee applies if cancelled after a driver has been dispatched or has arrived at the pickup point.

Thuma Chauffeur: free cancellation up to 2 hours before a scheduled pickup; cancellations within 2 hours of pickup may incur a fee of up to the full booking value.

ThumaFleet: subscription and corporate account changes require 30 days' written notice.

Thuma Global: free cancellation before dispatch; once dispatched, refunds exclude any third-party customs, duty, or clearance fees already incurred.

Thuma Hub: not applicable to walk-in drop-off or collection; unused service fees are refunded if a parcel has not yet been processed.

ThumaCredit: once an advance is disbursed to your wallet, it cannot be cancelled; you may decline an offered advance at any point before disbursement with no obligation.

ThumaShield: per-delivery cover premiums are non-refundable once cover has attached; standalone policies, where offered, may be cancelled with a pro-rata refund of unused premium.

14. Intellectual Property

All trademarks, logos, brand names, and platform content, including the Thuma Express master brand and all twelve sub-brand identities, are the property of Thuma Express Holdings, Inc. and may not be used without prior written consent.

15. Disclaimers & Limitation of Liability

The Services are provided on an "as is" and "as available" basis. To the maximum extent permitted by law, Thuma Express disclaims warranties of any kind and shall not be liable for indirect, incidental, or consequential damages arising from use of the Services, except where such limitation is not permitted by applicable law, including in relation to ThumaShield cover which is governed by the applicable policy terms.

16. Indemnification

You agree to indemnify and hold Thuma Express, its subsidiaries, officers, and employees harmless from claims arising out of your breach of these Terms or misuse of the Services.

17. Termination

You may close your account at any time through the app or by contacting us. We may suspend or terminate your access to the Services for breach of these Terms, suspected fraud, or as required by law or our regulators.

18. Dispute Resolution & Governing Law

These Terms are governed by the laws of Zimbabwe, without prejudice to Thuma Express Holdings, Inc.'s incorporation in Delaware, USA. If a dispute arises, you agree to first raise it with us at brand@thumaexpress.com; we aim to resolve complaints informally within 30 days. If a dispute is not resolved within 30 days of being raised, it shall be referred to and finally resolved by arbitration administered under the Rules of Arbitration of the International Chamber of Commerce (ICC), by a sole arbitrator, seated in Harare, Zimbabwe, and conducted in English. Either party may still seek urgent interim relief from a court of competent jurisdiction at any time. Claims must be brought within one year of the event giving rise to the dispute, except where a longer period is required by law.

19. Force Majeure

We are not liable for delays or failures in performance resulting from causes beyond our reasonable control, including power or network outages, fuel shortages, civil unrest, or regulatory action.

20. Changes to These Terms

We may update these Terms from time to time. Material changes will be communicated through the app, website, or email prior to taking effect. Continued use of the Services after changes take effect constitutes acceptance of the revised Terms.

21. Contact Us

Questions about these Terms can be sent to brand@thumaexpress.com or Thuma Express Holdings, Inc., 2093 Philadelphia Pike, Suite #1252, Claymont, DE 19703, USA.