Terms & Conditions KAMOA APP

Terms & Conditions KAMOA APP

Terms & Conditions KAMOA APP

May 2025

Terms of use of the  Service

Introduction 

The Kamoa Market Place App: www.kamoa.app 

  • Provides a dashboard of your money  goals, progress and, where  applicable, consumer loan balance 

  • Gives you smart money insights

  • Allows you to establish a money goal

  • Offers the ability to act on these by acquiring and demonstrating  knowledge about saving, budgeting  and sound credit habits 

  • Allows you to connect your bank  account for a holistic view of your  money personality and habits 

  • Offers the ability to gain access to  less expensive loans over time based  on continued positive in-app  behaviour 

  • Allows you to connect to lending  services and products from our  partners 

  • All in one secure app


Here are our terms of use. In this document  all references to “we”, “us” and "Kamoa"  refer to Kamoa Ltd; references to “you” refer to you, the data subject. 

We’ve presented them in plain English below  so that you can fully understand just how  Kamoa, Kamoa services and the Kamoa  Marketplace mobile app (collectively referred to as “the Service”) work as well as the rules to apply when using the Service. In addition to the below, please also read our Privacy Policy to learn in detail how we handle your data. 


These terms of use in addition to the Privacy Policy and any other policy referred to in them (collectively referred to as “the Terms”) apply to your use of the Service. 

Please note that you must read these terms  of use carefully and agree to them  before using the Service. If you do not agree  to the Terms contained herein, please  understand that you may not access or use  the Service. 

By accessing or using the Service, you  confirm that you are entering a binding  contract with us, that you accept and consent  to the Terms and that you agree to comply  with them. You also agree to ensure that  anyone who uses the Service on your device  also strictly abides by and adheres to the  Terms. 

If you are in a jurisdiction where the Service is illegal, unauthorized or penalized, please note that you are strictly prohibited from using the Service. If you do not agree to the Terms or wish to not comply with it, you must not access or use the Service. 

In the event these terms of use change, we  will notify you as appropriate. 

Enjoy exploring our mobile app and Service!

Introduction 

The Kamoa Market Place App: www.kamoa.app 

  • Provides a dashboard of your money  goals, progress and, where  applicable, consumer loan balance 

  • Gives you smart money insights

  • Allows you to establish a money goal

  • Offers the ability to act on these by acquiring and demonstrating  knowledge about saving, budgeting  and sound credit habits 

  • Allows you to connect your bank  account for a holistic view of your  money personality and habits 

  • Offers the ability to gain access to  less expensive loans over time based  on continued positive in-app  behaviour 

  • Allows you to connect to lending  services and products from our  partners 

  • All in one secure app 


Here are our terms of use. In this document  all references to “we”, “us” and "Kamoa"  refer to Kamoa Ltd; references to “you” refer to you, the data subject. 


We’ve presented them in plain English below  so that you can fully understand just how  Kamoa, Kamoa services and the Kamoa Marketplace mobile app (collectively referred to as “the Service”) work as well as the rules to apply when using the Service. In addition to the below, please also read our Privacy Policy to learn in detail how we handle your data. 


These terms of use in addition to the Privacy  Policy and any other policy referred to in them (collectively referred to as “the Terms”) apply to your use of the Service. 

Please note that you must read these terms  of use carefully and agree to them  before using the Service. If you do not agree  to the Terms contained herein, please  understand that you may not access or use  the Service. 

By accessing or using the Service, you  confirm that you are entering a binding  contract with us, that you accept and consent  to the Terms and that you agree to comply  with them. You also agree to ensure that  anyone who uses the Service on your device  also strictly abides by and adheres to the  Terms. 

If you are in a jurisdiction where the Service is illegal, unauthorized or penalized, please note that you are strictly prohibited from using the Service. If you do not agree to the Terms or wish to not comply with it, you must not access or use the Service. 

In the event these terms of use change, we  will notify you as appropriate. 

Enjoy exploring our mobile app and Service!

Who are we? 

We are KAMOA APP Ltd (hereafter referred to as  “Kamoa” “we” and “us”), a company  incorporated and registered in Mauritius with  company number 192016 and its registered  office address C/O ROGERS CAPITAL, ROGERS HOUSE, GROUND FLOOR, JOHN KENNEDY ST, PORT LOUIS, 11328.. We are the data  controller of your personal data for the  purposes of the Data Protection Act of Kenya  and the Regulations under it and any other  data protection laws that apply to us. Our Data protection officer can be reached at privacy@kamoa.app. 

Overview of the  service

The Service provided by the Kamoa  marketplace mobile app is that of a read-only  service that enables you to consolidate and  track your financial information. It also  analyses your transaction information to help  you save, budget and borrow more efficiently.  

Based on such analysis, the Service may  provide you with information relating to  products or additional services provided by  third party partners. 

The Service is free to end users. We are a  technology-as-a-service provider; therefore,  our partners pay us a licensing fee for the use  of the Service and underlying technology,  which is how we generate the revenue we  need to run our business. We may also earn a fee or commission from our partners based  on your use of their services or products. 

The Service is a tool to use in tracking and  managing finances and credit and identifying  opportunities related to your finances. We are not a bank nor a digital lender and are  therefore not authorised to provide advice nor are we regulated by the Central Bank of  Kenya. If you require financial advice, please  consult with entities that are authorized by  the Central Bank of Kenya.

Your account

You may access the Service by registering an  account (“Account”). By creating an Account  either directly or through a third party such as Facebook or Google, you represent and  confirm that any registration information you  submit is true, accurate, current and  complete and that if there are any subsequent  changes thereof, you will update your  registration information accordingly. 

As part of the registration process, you will be  asked to provide personal data such as your  name, email address, age, postal mailing  address, mobile telephone number, gender  and other demographic information  (collectively, “Personal Data”), as well as asked to select a password and user name. 

If any Personal Data or registration  information you have provided is determined  by us in our sole discretion, to be untrue,  inaccurate, not current, incomplete,  offensive, misleading or designed to deceive,  or if we in our sole discretion, believe we have a basis to suspect that such is the case, we reserve the right to immediately suspend or  terminate your Account, either with or without notice to you, and to refuse to grant  any and all current or future access and use of the Service (or any portion thereof) and/or  any benefit to which you may be entitled  through your access and use of the Service. 

We reserve the right to immediately  terminate your Account, or suspend your  access to your Account, without notice, for  conduct that we believe, in our sole  discretion, is illegal or inappropriate including  but not limited to sharing of offensive or  illegal content, using the Service in any  manner that may be harmful to other users,  third parties or which may lead to the Service,  being investigated by a lawful authority or any other circumstance which we consider  appropriate to terminate or suspend your Account. 

Please note that the use of your Account for  any illegal, fraudulent or abusive purposes  may be referred to your local law enforcement authorities without notice toyou.


By registering an Account and accessing the  Service, you are indicating that you have read  and agree to the Terms and to the conditions  thereof, and you further acknowledge and  agree that you understand how and under  what circumstances the Personal Data you  provide will be used. For more information  please read our Privacy Policy to learn in  detail how we handle your data. 

You also agree to receive marketing  promotions and other solicitations from us  and/or other third parties based on the  information you provided. 

You are not obligated to opt-in to receive any  third-party offers when you participate in the  Service. However, if you choose to opt-in to  receive any third-party offer(s), you  understand and agree that such third parties  may contact you using the registration  information you provided to us. 

Data Retention and Deletion

We retain personal data only for as long as necessary to fulfill the purposes for which it was collected, including to comply with legal, regulatory, tax, accounting, or reporting obligations. Your data will be stored securely and may be retained for a reasonable period after termination of the account to enable dispute resolution, enforce our agreements, or for legitimate business interests. Upon your request, or when data is no longer required for the stated purposes, we will securely delete or anonymize personal data, unless further retention is required by law. You may contact us to request the deletion of their personal data, subject to any statutory obligations or lawful bases for continued processing.

What we ask you not to do 

Notwithstanding anything to the contrary in  these Terms, you are strictly prohibited from:

(i) using Kamoa, materials or the Service for  any commercial purpose or the benefit of any  third party or any manner not permitted by  the Terms; 

(ii) using Kamoa, materials or the Service to,  or in any way that would, violate any  applicable laws, regulations or ordinances;

(iii) removing any proprietary notices from  Khasay, materials or the Service or any  copies thereof; 

(iv) causing, permitting or authorizing the  modification, creation of derivative works;

(v) selling, assigning, renting, leasing, acting as a service bureau, or granting rights in Kamoa, materials or the Service, including, without limitation, through a sublicense, to any other entity without the prior written consent of Kamoa; 

(vi) translating, reverse engineering,  decompiling or disassembling any software  of Kamoa; 

(vii) accessing, creating or modifying source  code related to Kamoa, materials or the  Service in any way; 

(viii) collecting any information or  communication about the users of the  Kamoa, materials or the Service by  monitoring, interdicting or intercepting any  process of or communication initiated by  Khasay, materials or the Service or by  developing or using any software or any other  process or method that engages or assists in  engaging in any of the foregoing; 

(ix) attempting to hack the Kamoa, materials  or the Service or any communication initiated  by the Kamoa, materials or the Service or to  defeat or overcome any encryption and/or  other technical protection methods  implemented by TML or its licensors with  respect to Kamoa, materials or the Service  and/or data and/or content transmitted,  processed or stored by Kamoa or other users  of Kamoa, materials or the Service; 

(x)taking any steps to interfere with or in any  manner compromise any of Kamoa’s security measures; or 

(xi) using Kamoa, materials or the Service to  develop, generate, transmit or store  information that: 

(a) infringes any third party’s intellectual  property or other proprietary right; 

(b) is defamatory or harmful; or 

(c) in any way obstructs or otherwise  interferes with the normal performance of  another person’s use of our software or  Services, using any unlicensed or  unauthorized copies of the materials and  software. 

You acknowledge that Kamoa may be  required to disclose information to third  parties asserting rights under written law or  by an order of the court, and you expressly  authorize Kamoa to comply with any and all  lawful notices, subpoenas, court orders or  warrants without prior notice to you.

Except where Kamoa specifically requests or  solicits comments or submissions, Kamoa does not accept, solicit nor consider any  creative ideas, suggestions, comments or  materials (collectively, “Comments”) from the public.

If a Comment is received from you by Kamoa, you understand, acknowledge and agree that: 

(i) it may be utilized by Kamoa free of any  right, claim, title or ownership interest in the  Comment(s), 

(ii) you waive your right to assert any  ownership right, claim, title and interest of  any kind in the Comment(s) (including, but not limited to unfair competition, intellectual  property, moral and/or similar rights or  implied contract), 

(iii) you hereby grant Kamoa a non-exclusive,  perpetual, irrevocable, worldwide license to  the Comment(s) in every media and for every  purpose now known or hereinafter  discovered, and 

(iv) you waive the right to receive any  financial or other consideration or  remuneration in connection with such  Comment(s), including, but not limited to,  attribution or other credit. 

(v)You completely release Kamoa (and its  subsidiaries, providers, licensors, and  affiliates and each of their officers, directors,  agents, joint-ventures and employees) in all  respects from any claims, demands, actions,  losses and other perceived, actual, incidental,  indirect, exemplary, special or consequential  damages of every kind and nature  (collectively, “Claims”), known and unknown,  suspected and unsuspected, disclosed and  undisclosed, foreseeable and unforeseeable,  arising out of, relating to or in any way  connected with your Comments and  unsolicited submissions, including, without  limitation, all Claims for theft of ideas or  intellectual property rights infringement by  Kamoa.

Information, not advice

Contributions, articles, commentary, charts,  data visualisations and other materials  posted within the Service are provided for general information only. Content within the  Service is not and should not be construed as  or considered to be financial or other professional advice. You should not rely on  the content within our Service as the basis for  making financial decisions. For financial  advice and/or if in doubt, you should seek  professional advice from entities that are  authorized and regulated by the Central Bank  of Kenya to offer such financial advice. We,  therefore, disclaim all liability and  responsibility arising from any reliance  placed on such materials or content by any  user of our Service or by anyone who may be  informed of any of its contents. 

If a third party is using either the Service or  content made available by the Service to  provide advice, then that advice is a separate  service and is not part of the Service. We bear  no responsibility for and are not liable for any  advice or service provided by this third party. 

Posting on the service

As part of the Service, we allow users to post  content (for example on user forums and/or  blogs). If you wish to post user-generated  content, you agree to follow these rules: 

● We have zero tolerance towards any  objectionable or unlawful content and abusive users. We reserve the right, at any time and without prior notice, to take down, remove or disable access to content at our discretion for any reason including without limitation, if the content violates the Terms or if we find the content is objectionable, unlawful or otherwise harmful to the Services or our users, and block access to and/or terminate the Accounts of any user who posted objectionable or unlawful content. 

● If you wish to complain about  objectionable or unlawful content posted by other users, please either  report directly on the platform. Upon  receipt of your complaint, we’ll  respond promptly and remove such  objectionable or unlawful content  and eject the user who posted such  objectionable or unlawful content.  We also have the right to remove any  content you post on the Service if, in  our opinion, your content is  objectionable or unlawful content or  does not comply with the Terms. 

● You are responsible for all content  you submit to us; 

● In submitting content to us, you  confirm that you have all necessary  rights and hereby grant us perpetual,  worldwide, non-exclusive, royalty free, sub-licensable and transferable  license to use, reproduce, distribute,  prepare derivative works of, modify,  display, and perform all or any  portion of the content in connection  with us and our business, including  without limitation for promoting and  redistributing part or all of the (and derivative works thereof) in any  media formats and through any  media channel(s); 

● You may not copy or use personal  data or business contact information  about other users without their  permission. Unsolicited emails,  mailings, telephone calls, or other  communications to individuals or  companies whose contact details  you obtain through the Service are  prohibited; 

● You accept that we may edit your  comments for clarity or remove any  comment. 

Third parties

By using our services, you authorize us to access and process certain financial data—including, but not limited to, account balances, transaction histories, income and expense patterns, and linked third-party account information—for the purpose of delivering core features such as financial analysis, personalized insights, and access to relevant financial products or services (including credit assessments and loan offerings). We may share this data with carefully selected third-party service providers who support these functions, under strict contractual obligations to maintain confidentiality and use the data solely for the intended purposes. These third parties may include payment processors, credit bureaus, data aggregators, and financial institutions. We do not permit any third party to use your information for marketing or unrelated activities without your explicit consent. A full list or categories of such third parties, along with further details, is available in our Privacy Policy.


Within the Service, you will find links that may  let you leave the Service and access a third  party website. These links are provided as a  courtesy only, and the sites they link to are  not under the control of Kamoa in any  manner whatsoever. Therefore, Kamoa is in  no way responsible for the content of any  such linked site(s) or any link contained  within a linked site, including any changes or  updates to such site(s). You acknowledge  that Kamoa is providing these links merely as  a convenience, and the inclusion of any link  does not in any way imply or express  affiliation, partnership, endorsement nor  sponsorship by Kamoa of the site(s) and/or  any of the content therein. Where Kamoa  enters into a partnership or otherwise with  the third party sites, we shall state so  explicitly.  

You understand that all third party content,  including, without limitation all advertisers,  marketers and other third party offers, data,  links, articles, search results, graphic or video  messages and all information, text, software,  music, sound, graphics or other materials  made available or accessible through  Kamoa, materials and the Service  (collectively, “Third-party Content”), whether  publicly available or privately transmitted, is  the sole and exclusive property of such third  parties, each of whom assumes complete  responsibility for the Third-party Content they  have created. 

Kamoa has and accepts no responsibility for  and does not endorse nor control such Third party Content. This means that you, and not  Kamoa, are entirely responsible for all Third party Content that you upload, download,  post, email, transmit or otherwise make available via Kamoa or the Service. Kamoa does not guarantee the accuracy,  integrity nor quality of such Third-party  Content.

You understand and agree that by  accessing and using Kamoa, materials and  the Service, you may be exposed to Third party Content that may be offensive,  indecent, infringing, hazardous, illegal or  objectionable in your community. You agree  to assume and accept all risks associated  with the use of any Third-party Content,  including any reliance on the accuracy or  completeness of such Third-party Content. 

You agree that you must evaluate, and bear  all risks associated with, the use of any Third party Content, including any reliance on the  accuracy, completeness, or usefulness of  such Third-party Content. 

You acknowledge that you may not rely on  any Third-party Content submitted to Kamoa including, through the Service. Under no  circumstances will Kamoa or its licensors be  liable in any way for any Third-party Content,  including, but not limited to, any errors or  omissions in any Third-party Content or any  loss or damage of any kind incurred as a  result of the access and use of any Third party Content posted or transmitted via the  Service. 

By accessing and using the Service,  you understand, acknowledge and agree that  you may be subject to various risks,  including, without limitation, the exposure of  data you have downloaded or have offered to  share, and that you assume and accept all  such risks as solely your risks and  responsibility. 

In addition, all Third-party Content made  available or accessed through the use of the  Service is the property of the applicable  Third-party Content owner and may be  protected by applicable laws, including  without limitation, those relating to  intellectual property rights. 

Connected accounts

In some areas of the Service, you can connect to your bank accounts and other  accounts you hold with third party  institutions (“Third Party Accounts”). This  enables us to access and retrieve data from  your bank and other accounts to populate  areas of the Service with details from those  Third Party Accounts. 

By using the Service to connect to Third Party  Accounts, you authorise us and data service  providers (on an ongoing basis unless and  until you deactivate the connection) to  access the relevant third-party source, on  your behalf and as your agent, or whenever necessary for us, to retrieve information  requested by you or otherwise available from  the Third Party Account. You agree that anybank or other institution providing the Third Party Account(s) shall be entitled to rely on  the foregoing authorisation and that the  Service may not be endorsed or sponsored by any Third-Party Account providers.We shall not be responsible for the accuracy  of data received from the Third-Party  Accounts or Third-Party Members and you  must ensure that it is (and continues to be)  accurate. If at any time you choose not to link  to a Third-Party Account or Third-Party  Members, you will stop receiving information  from that Third Party Account or Third Party  Member (for example up-to-date bank  transaction details), which may affect  elements of the Service (for example,  financial budgeting). We shall not be held  responsible for any inaccuracies caused by  you no longer having access to data or by  data not being up-to-date.

Indemnity

You agree to indemnify, hold harmless and  defend Kamoa, providers and licensors of  Kamoa, their successors, their affiliates, and  each of their subsidiaries, officers, directors,  employees, advertising and promotions  agencies, representatives or agents  (collectively, “Indemnified Parties”), at your  sole expense, against any and all claims,  actions, proceedings, investigations, and  lawsuits and all liabilities, damages,  judgments, settlements, penalties, fines,  losses, costs and expenses (including,  without limitation, reasonable attorneys’ fees  and other dispute resolution expenses)  incurred by any Indemnified Party arising out  of or relating to your: 

(i) violation or breach of any term of the  Terms or any policy or guidelines referenced  herein, including without limitation the  Privacy Policy, or any applicable law;

(ii) use or misuse of Kamoa, materials or the  Service; or 

(iii)your infringement or the infringement by  any other user through your Account of any  intellectual property rights or other moral,  privacy, publicity or similar rights of any  person or entity.

Trademarks

All trademarks, service marks, logos, trade  names, and any other proprietary  designations of Kamoa used herein are  trademarks or registered trademarks of  Kamoa or providers and licensors of Kamoa.  Any other trademarks, service marks and  trade names are the trademarks or registered  trademarks of their respective parties. You  may not copy, display or use any of these  marks without prior written permission of the  bona fide originating mark owner.

Governing Law & Jurisdiction

These Terms are governed and construed in  accordance with the Laws of Kenya or any  other applicable laws that apply to us and  you agree to the exclusive jurisdiction of the  Kenyan courts or other courts of competent  jurisdiction for all disputes arising out of or in  connection with these Terms of Use

Miscellaneous

Kamoa reserves all rights not expressly  granted herein. Kamoa may modify the  Terms at any time for any reason, in its sole  discretion, by posting the revised Terms on  the Service. You may not assign any rights  granted to you hereunder.  

Nothing in the Terms shall constitute a  partnership or joint venture between you and  

Kamoa. Should any term or provision hereof  be deemed invalid, void or unenforceable  either in its entirety or in a particular  application, such invalidity, voidance or  unenforceability shall not affect other  provisions or terms and the remainder of the  Terms shall nonetheless remain in full force  and effect. 

The failure of Kamoa at any time or times to  require performance of any provision hereof  shall in no manner affect its right at a later  time to  enforce the same unless the same is  waived in writing.  

To the extent that anything in or associated  with Kamoa, materials or the Service is in  conflict or inconsistent with the Terms, the  Terms shall take precedence. 

If any terms contained herein conflict with  the terms contained in any offer or elsewhere  within the Service, these terms and  conditions shall take priority and  precedence. 

These Terms are written and available only  in English and all correspondence with you  and any user shall be in English. In the event  that these Terms are translated, the version  in English shall take priority.  

The Terms and all documents relating hereto  have been drafted in English and will be  interpreted in accordance with the Laws of  Kenya. The rights and remedies granted to  Kamoa under the Terms are cumulative and  in addition to, not in lieu of, any other rights  and remedies which Kamoa may possess at  law or in equity. 

The terms set forth in the Terms and any  agreements included or referred to in the  Terms constitute the final, complete and  exclusive agreement with respect to Kamoa,  materials or the Service and may not be  contradicted, explained or supplemented by  evidence of any prior agreement, any contemporaneous oral agreement or any  consistent additional terms. The owners of  the materials are intended third-party  beneficiaries of the Terms and shall have the  right to enforce it against you

Termination 

You may stop your use of our Service at any  time by removing the Kamoa mobile app  from your mobile device. Doing so will not  automatically delete your user information as  described in our Privacy Policy. Please refer to the Privacy Policy to understand how we  will continue to hold certain information. 

Upon termination, cancellation, suspension or expiration of the Terms for any reason, you  agree to cease all access and use of the site,  software and Services. 

If you have any questions or concerns about  the Terms or any issues raised in the Terms or on this site, please contact us via the  mobile app or our website.

Kamoa is not a financial institution or lender.
We’re a digital platform that connects users to a range of trusted financial providers in Kenya and Nigeria — including lenders, savings tools, and other financial services.

All product details, terms, and rates are clearly presented before any decisions are made, so users can make informed choices with confidence.

Kamoa is completely free to use, with no hidden fees or charges for users


Kamoa is not a financial institution or lender.

We’re a digital platform that connects users to a range of trusted financial providers in Kenya and Nigeria — including lenders, savings tools, and other financial services.

All product details, terms, and rates are clearly presented before any decisions are made, so users can make informed choices with confidence.

Kamoa is completely free to use, with no hidden fees or charges for users

Kamoa is not a financial institution or lender.
We are a platform that connects users with various lenders offering loans in Kenya and Nigeria.

All rates and terms are clearly presented before any agreement is made. Kamoa is a free service with no additional fees for users.

Kamoa is not a financial institution or lender.
We are a platform that connects users with various lenders offering loans in Kenya and Nigeria.

All rates and terms are clearly presented before any agreement is made. Kamoa is a free service with no additional fees for users.

Kamoa is not a financial institution or lender.

We are a platform that connects users with various lenders offering loans in Kenya and Nigeria.All rates and terms are clearly presented before any agreement is made. Kamoa is a free service with no additional fees for users.