Agent Terms and Conditions

These Agent Terms and Conditions ("Agent Terms") apply between HomeTrust Ltd ("HomeTrust") and every person who applies to or works as a HomeTrust field agent ("Agent", "you"). They apply together with our Terms of Use and Privacy Policy. If there is a conflict, these Agent Terms prevail for your work as an Agent.

By submitting an agent application or accepting a task, you agree to these Agent Terms.

• You are an independent contractor, not an employee, partner or agent with authority to bind HomeTrust.
• You decide whether and when to accept tasks. There are no minimum hours and no exclusivity — you may work for others.
• You are responsible for your own tax obligations to the Rwanda Revenue Authority and any social security contributions that apply to you.
• Nothing in these Agent Terms creates an employment relationship under Rwandan labour law.

To become and remain an Agent you must:

• be at least 18 years old and hold a valid Rwandan national ID or residence permit;
• live in the district where you will carry out tasks;
• own a smartphone with a camera, GPS and mobile data;
• have a registered MTN Mobile Money or Airtel Money account in your own name;
• provide a recent criminal record certificate and two references; and
• complete HomeTrust agent training, including safety and data protection modules.

We verify your identity and references and may interview you. We may approve or decline any application at our discretion. Your status (pending, approved, suspended or rejected) is shown in the agent app.

1. Approved Agents see available address-verification tasks, with tasks in their own district shown first.
2. Once you accept a task it is reserved for you. If you can no longer complete it, release it promptly in the app so another Agent can take it.
3. Visit the address in person within the time shown on the task (normally 48 hours).
4. Confirm whether the address exists and whether the named person lives there, by speaking with the household, neighbours or the village leader (umukuru w'umudugudu).
5. Take at least one clear GPS-tagged photo of the building and its surroundings using the agent app. Do not photograph people without their consent.
6. Submit honest, complete findings in the app before the task deadline.

As an Agent you represent HomeTrust in the community. You must:

• always introduce yourself, show your HomeTrust agent ID and explain the purpose of your visit;
• be respectful, polite and discreet, and never threaten, harass or intimidate anyone;
• never ask for or accept money, gifts or favours from applicants, their families or anyone else in connection with a task;
• never enter a home unless clearly invited, and never search property;
• not disclose the employer's identity or any reason for the verification beyond what is necessary;
• not carry out tasks for people you know personally — release the task and tell us about the conflict of interest; and
• never fabricate, copy or reuse photos, GPS data or findings.

• Carry out visits during daylight hours (07:00–18:00) unless agreed otherwise.
• If you feel unsafe at any point, leave immediately and report it in the app. You will not be penalised for abandoning an unsafe task.
• Follow road safety rules and wear a helmet when travelling by motorcycle taxi.
• Report any incident, accident or threat to HomeTrust as soon as possible, and to the police where appropriate.

• Submissions that are incomplete, inaccurate or do not follow these Agent Terms may be returned for correction or rejected without payment.
• The fee covers all your costs, including transport and mobile data. We do not reimburse expenses unless agreed in writing in advance.
• We may change the fee for future tasks with at least 14 days' notice. The fee shown when you accept a task is the fee you will be paid for it.
• We may withhold or recover payments made for tasks later found to be fraudulent.

During tasks you will see personal data, such as names and home addresses. You process this data only on HomeTrust's instructions and must comply with Law N° 058/2021 on the Protection of Personal Data and Privacy. In particular you must:

• use task information only to carry out that task;
• not copy, screenshot, store outside the agent app or share any task information;
• keep your phone protected with a PIN or biometric lock, and log out if you lose access to it;
• report any loss of data or suspected breach to HomeTrust immediately at privacy@hometrust.rw.

HomeTrust processes your own personal data — including your location while a task is in progress — as described in the Privacy Policy. Your confidentiality obligations continue after you stop being an Agent.

• We review every submission and may audit visits, including by repeat visits or contacting the household.
• We track quality indicators such as accuracy, timeliness and complaints. Low quality may limit the tasks offered to you.
• Fabricated findings, false GPS data, reused photos or accepting bribes will lead to immediate termination, recovery of payments and may be reported to the Rwanda Investigation Bureau.

Your agent ID, any HomeTrust clothing or materials remain HomeTrust property and may only be used while carrying out tasks. You must return or destroy them when you stop being an Agent. You must not use the HomeTrust name for any other purpose.

You may stop being an Agent at any time by notifying us in the app or by email. Please complete or release any tasks you have accepted.

We may suspend or end your participation if you breach these Agent Terms, receive serious complaints, fail quality reviews repeatedly, or if required by law. Except in cases of fraud or serious misconduct we will tell you the reason and give you an opportunity to respond. Earnings for accepted tasks completed before termination will be paid in the next payout cycle.

You are responsible for your own conduct and for any loss you cause through negligence or breach of these Agent Terms. HomeTrust is not liable for loss of or damage to your phone or other property, or for injury, except where caused by HomeTrust's negligence. We recommend that Agents hold personal accident cover; details of any group cover HomeTrust makes available will be shared in the app.

These Agent Terms are governed by the laws of the Republic of Rwanda. We will try to resolve any disagreement amicably first; if that fails within 30 days, it may be referred to mediation or to the competent courts of Rwanda.

Agent network team, HomeTrust Ltd, KG 7 Ave, Kacyiru, Kigali, Rwanda. Email agents@hometrust.rw or call +250 788 000 000.