Clear expectations for people coming together. These terms cover
this website and the group features made available under an
expressly accepted service agreement.
1. Website and service availability
Paypot is operated by PayPot Africa. This website introduces a
shared space for chamas, fundraisers, families, communities and
organisations. Product screens and balances are illustrations.
Visiting this website does not open an account, hold funds or
place a payment instruction. Account and payment features are
subject to availability in your country, eligibility checks and
the service terms shown before you enrol.
The contracting entity, service description, providers and total
charges must be disclosed before you enter a paid or financial
agreement, with an opportunity to review and correct your details.
Reading these terms or opening a popup does not itself constitute
acceptance of a financial service agreement.
2. Eligibility and account security
Financial account users must be at least 18, legally able to enter
the agreement and authorised to act for any group or organisation
they represent. Provide accurate information and complete
verification required for the available service. Protect your
credentials, use the available security controls and report
suspected unauthorised access promptly. No member or administrator
should ask another member to disclose a PIN, password or one-time
security code.
3. Group rules and approvals
Before collecting money, your group should agree who may join, the
purpose of contributions, member visibility, approval thresholds,
withdrawal authority, refunds, departures and dispute handling.
Administrators must act within the authority members grant them.
An invitation or administrator role does not by itself give
authority to spend group money.
Members are responsible for reviewing contribution requests and
payment details. Group approvals record instructions; they do not
guarantee a fundraiser’s legitimacy, an investment’s returns or a
member’s performance. Group rules cannot override applicable law
or statutory consumer rights.
4. Payments and financial status
Paypot’s current payment options for available services are M-PESA
and Airtel Money in Kenya. Airtel Money in Uganda and MTN are
planned options and are not represented here as currently
available. This website has no payment checkout. Before a payment,
the service must identify the relevant provider, who holds funds,
applicable safeguarding arrangements, limits, settlement timing
and the provider’s terms. This website does not establish that
Paypot is a licensed bank, deposit-taking institution, investment
adviser or payment service provider. No deposit insurance,
interest, investment return or protection of capital is promised
here.
Payments may be delayed, rejected or held for verification, fraud
prevention, legal requirements or provider availability. A
displayed balance or approval is not proof of final settlement.
Review the recipient and amount before confirming; completed
transfers may not be reversible. Report errors or unauthorised
transactions promptly so they can be investigated under applicable
law and provider procedures.
5. Fees, cancellations and refunds
Any service fee, provider charge, currency conversion rate and
applicable tax must be shown before you commit to the relevant
service or transaction. This website itself does not charge you to
browse. Changes to ongoing fees require appropriate notice and any
acceptance required by law.
Cancellation, refund and reversal rules must be available before
purchase. Statutory cancellation, refund and redress rights,
including those under Kenya’s Consumer Protection Act where
applicable, remain available. A contribution refund may require
group authority and provider processing, subject to those rights.
6. Lawful use and verification
Do not use Paypot for fraud, money laundering, terrorist
financing, unlawful fundraising, impersonation, harassment,
unauthorised access or infringement of another person’s rights. Do
not misrepresent a group’s purpose or solicit contributions using
false information. Only upload information you are authorised to
share.
Where applicable, financial services may require identity,
beneficial ownership and source-of-funds checks under Kenya’s
anti-money-laundering framework and equivalent local rules.
Restrictions must have a lawful basis; additional information or
reports may be required by an authorised provider or competent
authority.
7. Privacy and content
The Privacy policy explains information handling and group
visibility. Share only the personal information necessary for a
group’s legitimate purpose. You retain rights in content you
submit and authorise its use only as necessary to provide the
requested service. Paypot’s branding, design and website materials
may not be misused or presented as your own.
8. Availability, responsibility and closure
Services can be affected by maintenance, networks or external
providers. Paypot must exercise the care and skill required by
law; this website does not guarantee uninterrupted availability or
any financial outcome. Responsibility for a loss depends on the
facts, the accepted service agreement and applicable law. These
terms do not exclude liability for fraud, wilful misconduct, or
any liability or consumer remedy that cannot lawfully be excluded.
Access may be restricted for a substantiated security issue,
unlawful conduct or a material breach, with an explanation and
opportunity to challenge where legally permitted. Account closure
must explain outstanding transactions, the lawful process for
remaining funds and record retention. Suspension does not forfeit
ownership of funds or statutory rights.
9. Complaints and governing law
For a question, disputed instruction or complaint, email
[email protected] with a description and relevant reference,
without passwords or PINs. Operational services must disclose
complaint response times and escalation procedures. You retain the
right to approach the appropriate regulator or a court; mandatory
arbitration and waivers of statutory remedies are not imposed by
this notice.
Kenyan law governs these website terms, subject to mandatory
protections and jurisdiction rules that apply in your country.
Kenyan payment services are subject to the National Payment System
framework where applicable. Services in other African countries
require compliance with local financial, consumer and privacy
laws. The African Union’s Malabo Convention provides a regional
framework; its application depends on the relevant country’s
treaty obligations and domestic law.
10. Changes and contact
The date below identifies this version. Material changes to an
accepted ongoing service must be notified appropriately before
taking effect, with a clear explanation of any available exit or
consent choices. They will not retrospectively remove accrued
rights. Questions about these terms can be sent to
[email protected].
11. WhatsApp communications
An official Paypot WhatsApp channel is a way to request help or
receive updates you have opted into. A support message does not
approve a payout, verify a beneficiary or replace the
authorisation process in your account. Do not send sensitive
identity or payment credentials through chat.
Proactive WhatsApp messages require permission for the stated
purpose. You can ask the support team to stop messages by replying
STOP or emailing [email protected]. Where automated replies are
used, you can request human assistance through the same support
email. WhatsApp availability depends on its service and applicable
messaging policies; the website does not currently operate a
WhatsApp chatbot.
Legal references
Country-specific requirements apply to each available service.