Last Updated: June 2026
Welcome to ChamaPay ("Platform"), operated by Nelimax Technologies. By accessing or using ChamaPay, you agree to these Terms of Service ("Terms"). If you do not agree, do not use the Platform.
1. Definitions
"Chama" means a self-help group, chama, or SACCO registered on the Platform. "Admin" means a member with administrative privileges for a Chama. "Member" means any individual registered under a Chama on the Platform. "Services" means all features including savings management, loan administration, contributions, attendance tracking, voting, document management, financial reporting, and M-Pesa payment processing.
2. Eligibility
You must be at least 18 years old and legally capable of entering binding contracts. Each Chama is responsible for verifying that its members meet eligibility requirements. By registering, you confirm you meet these requirements and have the authority to act on behalf of your Chama if you are an Admin.
3. Account Registration & Security
Access to ChamaPay requires an access code provided by your Chama administrator. You are responsible for maintaining the confidentiality of your access code and PIN. You must immediately notify ChamaPay of any unauthorized access. ChamaPay is not liable for losses caused by unauthorized use of your account. Each Chama Admin is responsible for managing member access, including registration, suspension, and removal.
4. Financial Services & M-Pesa Integration
ChamaPay facilitates group financial management including contributions, savings, loans, fines, share purchases, and withdrawals via M-Pesa (Safaricom Daraja API). ChamaPay acts as a technology platform and is not a bank, SACCO, or licensed financial institution. All funds flow directly between members' M-Pesa accounts and the Chama's designated paybill/till number. ChamaPay does not hold, manage, or have custody of any member funds. Transaction fees charged by Safaricom or payment gateways are separate from ChamaPay's services.
5. Contributions & Savings
Members agree to contribute amounts as determined by their Chama's rules. Contribution schedules, amounts, and penalties for late payment are set by the Chama Admin and enforced through the Platform. ChamaPay records and tracks contributions but does not guarantee collection. Withdrawals from savings are subject to the Chama's withdrawal policy configured by the Admin.
6. Loan Services
Loan applications, approvals, interest rates, repayment schedules, and penalties are managed by the Chama Admin through the Platform. ChamaPay provides the tools for loan administration but does not issue, guarantee, or underwrite any loans. Loan terms are between the borrower and the Chama. Default on loan repayment may result in fines, deduction from savings, or other consequences as configured by the Chama Admin.
7. Fines & Penalties
Chama Admins may impose fines for missed contributions, late payments, unexcused absences, or other rule violations as defined in the Chama's constitution. The Platform records and tracks all fines. Members may pay fines via M-Pesa through the Platform. Unpaid fines may affect loan eligibility and savings withdrawal.
8. Voting & Governance
ChamaPay supports digital voting for group decisions. Votes cast through the Platform are final and binding within the Chama. Each member gets one vote per poll unless the Chama's rules specify otherwise. The Platform records votes transparently.
9. Documents & KYC
Members may upload identification documents, loan agreements, and other files through the Platform. Uploaded documents are stored securely and accessible only to authorized Chama members and administrators. Members are responsible for the accuracy and authenticity of uploaded documents.
10. Multi-Tenant Data Isolation
Each Chama operates in an isolated data environment. Chama A cannot access, view, or interact with Chama B's data. ChamaPay enforces strict tenant isolation at the database level.
11. Prohibited Conduct
You agree not to: (a) use the Platform for any unlawful purpose; (b) attempt to access other users' accounts or data; (c) introduce malware or harmful code; (d) reverse engineer or attempt to extract source code; (e) manipulate financial records or contributions; (f) use the Platform to launder money or finance illegal activities.
12. Fees & Pricing
ChamaPay may charge subscription fees for Chama administration. Fee structures are communicated during registration and may be updated with 30 days' notice. Transaction fees charged by M-Pesa/Safaricom are separate and not controlled by ChamaPay.
13. Intellectual Property
All content, code, design, and branding on ChamaPay are the intellectual property of Nelimax Technologies. You are granted a limited, non-exclusive, non-transferable license to use the Platform for its intended purpose.
14. Data Ownership
Your Chama's financial data, member records, and documents belong to your Chama. ChamaPay acts as a data processor. Upon termination, you may request export of your Chama's data within 30 days.
15. Service Availability
ChamaPay strives for 99.9% uptime but does not guarantee uninterrupted service. Scheduled maintenance windows will be communicated in advance.
16. Disclaimers
ChamaPay is provided "as is" and "as available" without warranties of any kind. ChamaPay does not provide financial advice. All financial decisions are made by Chama members and administrators independently.
17. Limitation of Liability
To the maximum extent permitted by law, ChamaPay and Nelimax Technologies shall not be liable for any indirect, incidental, special, consequential, or punitive damages. Our total liability shall not exceed the fees paid by your Chama in the 12 months preceding the claim.
18. Indemnification
You agree to indemnify and hold harmless ChamaPay, Nelimax Technologies, and their officers from any claims arising from your use of the Platform or violation of these Terms.
19. Termination
ChamaPay may suspend or terminate your access for violation of these Terms, non-payment, or fraudulent activity. You may terminate your account by contacting support.
20. Dispute Resolution
Disputes shall first be resolved through good-faith negotiation. If unresolved within 30 days, disputes shall be submitted to binding arbitration in Nairobi, Kenya. The governing law is the laws of the Republic of Kenya.
21. Changes to Terms
ChamaPay reserves the right to modify these Terms at any time. Material changes will be communicated at least 30 days before taking effect.
22. Contact
Nelimax Technologies
Email: support@chamapay.co.ke
Website: chamapay.co.ke
