Terms of service

Draft — pending legal review. This page is a structural template for counsel to review and finalize before it governs any real account. It is not yet SaccoSphere’s binding policy.

1. What SaccoSphere is

SaccoSphere Ltd provides software and infrastructure to SACCOs and their members. SaccoSphere is not a SACCO, a bank, or a deposit-taking institution, and does not hold member funds at any point — see our Security & compliance page for the full regulatory position.

2. Who these terms apply to

Anyone using the member app, a SACCO admin portal, or this website. A SACCO’s own by-laws and membership agreement continue to govern your relationship with that SACCO itself.

3. Your account

You’re responsible for the accuracy of information you submit and for keeping your login credentials secure. Report a suspected compromise immediately.

4. Money movement

Deposits and disbursements move directly between your own payment method and your SACCO’s own payment credentials. SaccoSphere records the transaction; SaccoSphere does not custody the funds in transit.

5. Availability

We aim for continuous availability but do not guarantee it. Scheduled maintenance will be communicated through your SACCO where practical.

6. Limitation of liability

SaccoSphere is not liable for a SACCO’s own lending, governance, or regulatory decisions made using the platform’s tools.

7. Changes to these terms

Material changes will be communicated in advance of taking effect.

8. Contact

anthony@saccosphere.co.ke