These Terms govern your use of Daimafund ("the platform", "we", "us"). By creating an account or using the platform, you agree to them. If you don't agree, don't use the service.

1. What Daimafund does

Daimafund is a software service that helps chamas, SACCOs, welfare groups, and investment clubs in Kenya manage members, contributions, loans, meetings, elections, and rotating savings (mzunguko).

We are a software platform, not a bank. We do not hold your money. All financial transactions flow through licensed payment processors (Intasend, Paystack, Safaricom Daraja) or directly through your Organisation's own bank or M-Pesa account.

2. Who can use it

You must be at least 18 years old and legally able to enter into contracts in Kenya. By signing up an Organisation, you confirm you have authority to do so on its behalf.

3. Your account

• Keep your password secret. You're responsible for everything done under your account.
• Tell us immediately if you suspect unauthorised access: master@daimafund.com.
• One person, one account. Sharing accounts is prohibited.

4. Subscription & fees

• Subscription pricing scales with your active member count. The current tier is shown in your Settings → Billing page.
• Trial period: 3 days free, then billing begins on the tier matching your member count.
• Subscriptions are billed monthly in advance, or annually (with a 17% discount — 2 months effectively free).
• Failed payments may suspend platform access for write operations. Read access stays open so you don't lose data.
• Cancel anytime from Settings → Billing. No refund for the current billing period.

5. Acceptable use

You agree not to:

• Use the platform for any unlawful purpose, including money laundering or fraud
• Upload data you don't have the right to use
• Attempt to reverse-engineer, scrape, or interfere with the service
• Use the platform to harass, defame, or impersonate
• Share your account or sub-let access

We may suspend or terminate accounts that breach these terms.

6. Your data, your Organisation's data

You retain ownership of the data you put into the platform. You grant us a limited license to host, process, and display it for the purpose of providing the service.

On account closure you can export all your data. We will delete it within 30 days unless legally required to retain (see Privacy Policy).

7. Payments & chama funds

• Daimafund never holds your chama's funds. Money flows through licensed payment service providers.
• Your chama is solely responsible for setting its rules, approving loans, paying out rotations, and resolving member disputes.
• We're not liable for losses caused by your chama's internal decisions, member fraud, or PSP downtime.

8. Availability

We work to keep Daimafund available 99.5% of the time, but cannot guarantee uninterrupted service. Scheduled maintenance will be announced in advance where possible.

9. Limitation of liability

To the extent permitted by Kenyan law, our total liability for any claim arising from the service is limited to the amount you paid us in the 12 months preceding the claim. We're not liable for indirect, consequential, or punitive damages.

10. Changes to these terms

We may update these terms. Material changes are emailed to all account holders 14 days before they take effect. Continued use after the effective date constitutes acceptance.

11. Governing law

These terms are governed by the laws of Kenya. Disputes are subject to the exclusive jurisdiction of the courts of Nairobi.

12. Contact

Questions? master@daimafund.com