Effective Date: July 3, 2026

This Policy governs the collection, custody, reconciliation, and settlement of Cash-on-Delivery (COD) payments processed through Uno.

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1. Scope

This Policy applies to all merchants using Uno's COD services.

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2. Collection

Uno collects payments solely as an agent on behalf of the merchant.

Accepted payment methods may include cash, Mobile Money, card payments, or other approved payment methods.

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3. Verification

Drivers and operational personnel may verify:

• Amount collected

• Payment confirmation

• Order reference

• Recipient confirmation

Settlement may be delayed where discrepancies require investigation.

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4. Settlement Schedule

Settlement frequency is determined by the merchant's approved account type or commercial agreement.

Examples may include:

• Daily

• Weekly

• Custom enterprise schedules

Settlement timelines commence after successful reconciliation.

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5. Reconciliation

Before settlement, Uno may reconcile:

• Delivered orders

• Collected amounts

• Refunds

• Rejected payments

• Cancelled orders

• Banking confirmations

• Operational exceptions

Only verified transactions are eligible for settlement.

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6. Settlement Method

Approved settlement methods may include:

• Bank transfer

• Mobile Money

• Corporate wallet

• Other approved payment channels

7. Holds

Uno may temporarily hold COD funds where necessary, including:

• suspected fraud;

• duplicate transactions;

• payment reversals;

• banking investigations;

• legal requirements;

• unresolved disputes;

• identity verification.

Any hold will be limited to the extent reasonably necessary.

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8. Merchant Responsibilities

Merchants must:

• maintain accurate account information;

• promptly report discrepancies;

• retain supporting order records;

• cooperate with reconciliation activities.

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9. Errors

Where settlement errors are identified, Uno may correct the error through an adjustment in a subsequent settlement or another appropriate method.

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10. Liability

Uno is not responsible for customer refusal to pay, fraudulent orders originating from the merchant's sales channels, or losses arising from inaccurate order information supplied by the merchant.