Terms & Conditions

1. Acceptance of Terms

By accessing or using the VPMCHAMA platform, you agree to be bound by these Terms and Conditions. If you disagree with any part of the terms, you may not access the service.

2. User Responsibilities

As a user of VPMCHAMA, you agree to:

• Provide accurate and complete registration information
• Maintain the security of your account credentials
• Use the service only for lawful purposes
• Not engage in any fraudulent or malicious activities
• Comply with all applicable laws and regulations

3. Service Description

VPMCHAMA provides a digital platform for managing chama (investment group) operations including but not limited to contribution tracking, loan management, and financial reporting. We reserve the right to modify or discontinue the service at any time without notice.

4. Fees and Payments

Certain features of VPMCHAMA may require payment of fees. You agree to pay all applicable fees as described on our Pricing page. Fees are non-refundable except as required by law.

5. Limitation of Liability

VPMCHAMA shall not be liable for any indirect, incidental, special, consequential or punitive damages resulting from your use of or inability to use the service. We do not guarantee uninterrupted or error-free operation of the service.

6. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Kenya, without regard to its conflict of law provisions.

7. Changes to Terms

We reserve the right to modify these terms at any time. We will provide notice of significant changes through our website or via email. Continued use after changes constitutes acceptance.

8. Contact Information

For any questions about these Terms, please contact us at legal@VPMCHAMA.com.