Last Updated: March 2026
Welcome to Kosalo. By accessing or using our website and mobile application, you agree to comply with the following Terms and Conditions.
If you do not agree with these terms, please do not use our services.
1. About Kosalo
Kosalo provides digital tools designed to help table banking groups, chamas, and community organizations manage contributions, loans, and financial records.
Kosalo does not act as a financial institution, lender, or investment advisor.
2. User Responsibilities
By using Kosalo, you agree to:
- Provide accurate and truthful information
- Use the platform only for lawful purposes
- Maintain the confidentiality of your account credentials
- Respect other users and group members
Users are responsible for any activities that occur under their accounts.
3. Group Financial Responsibility
Kosalo provides tools to record and manage group financial activity.
However:
- Kosalo does not hold group funds
- Kosalo does not guarantee repayment of loans between members
- Kosalo is not responsible for disputes between group members
All financial agreements remain the responsibility of the group and its members.
4. Availability of Services
Kosalo may update, modify, or temporarily suspend services to improve performance or security.
5. Acceptable Use
Users may not:
- Use Kosalo for fraudulent or illegal activities
- Attempt to access unauthorized data
- Interfere with the security or operation of the platform
- Misuse the platform to harm other users
Violation of these rules may result in suspension or termination of accounts.
6. Intellectual Property
All content, branding, design, and technology used in Kosalo are the property of Kosalo unless otherwise stated.
Users may not copy, distribute, or reproduce any part of the platform without permission.
7. Limitation of Liability
Kosalo is provided as a digital management tool.
Kosalo is not responsible for:
- Financial losses within groups
- Disputes between group members
- Errors caused by incorrect data entered by users
8. Changes to Terms
Kosalo may update these Terms and Conditions at any time.
Continued use of the platform after updates means users accept the revised terms.
9. Contact Information
If you have questions about these Terms, contact us at:
info@kosalo.co.ke