Our terms, while using Kosalo

1. About Kosalo

Kosalo provides digital tools designed to help savings groups, chamas, and community organizations manage contributions, loans, and financial records — however your group runs, whether that’s Table Banking (a shared loan pool with dividends), a Merry-Go-Round (rotating payouts, no loans), or a Hybrid group running both. 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
• Grant only those device permissions (camera, gallery, notifications) that you are comfortable with, understanding their purpose as described in our Privacy Policy

Users are responsible for any activities that occur under their accounts.

3. Device permissions and feature use

Notifications

Kosalo requests notification permissions to keep users informed of updates to their financial records. By enabling notifications, you consent to receiving alerts from Kosalo regarding your account and group activity. You may disable notifications at any time in your device settings.

AI Assistant — camera and gallery access

The AI Assistant feature allows users to scan images of physical record books to automatically record contributions and loans. To use this feature, the app will request access to your camera and/or photo gallery. By using the AI Assistant, you confirm that any images you submit belong to your group’s records and that you have the authority to share them for processing. Kosalo is not responsible for inaccuracies resulting from unclear or unreadable images.

4. Subscriptions, billing, and payment

Kosalo groups can use the platform on a free trial before moving to a paid subscription.

• Trial: new groups get a 1-month free trial from the date the group is created.
• Pricing: subscription cost depends on your group type (Table Banking, Merry-Go-Round, or Hybrid) and number of members, made up of a base fee plus a per-member rate. Current pricing is shown on our Pricing page.
• Billing cycle: groups may subscribe monthly or yearly; yearly billing is discounted against the monthly rate.
• Payment processing: payments are processed securely by our payment partner, Paystack. Kosalo does not store your full card or mobile money credentials.

5. 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.

6. Availability of services

Kosalo may update, modify, or temporarily suspend services to improve performance, security, or introduce new features such as updates to the AI Assistant. We will make reasonable efforts to notify users of significant changes.

7. 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
• Submit images via the AI Assistant that contain content unrelated to group financial records, or that violate any applicable laws

Violation of these rules may result in suspension or termination of accounts.

8. Intellectual property

All content, branding, design, and technology used in Kosalo — including the AI Assistant feature — are the property of Kosalo unless otherwise stated. Users may not copy, distribute, or reproduce any part of the platform without permission.

9. 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
• Inaccuracies in AI-assisted record entries resulting from unclear, damaged, or illegible images
• Any issues arising from a user denying or revoking device permissions
• Payment processing issues arising from our third-party payment partner, Paystack

10. Governing law

These Terms are governed by the laws of Kenya. Any disputes arising from these Terms or your use of Kosalo will be subject to the jurisdiction of the courts of Kenya.

11. 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.