Terms and Conditions for Stake Kenya Sacco Ltd.

Last Updated: December 07, 2025

Welcome to Stake Kenya Sacco Ltd. These Terms and Conditions (“Terms”) govern your use of our website and services. By accessing or using our Service, you agree to be bound by these Terms. If you do not agree, please discontinue use of the Service.

1. Interpretation and Definitions

1.1 Interpretation

Words with capitalized initial letters have specific meanings defined below. These definitions apply regardless of whether they appear in singular or plural form.

1.2 Definitions

For purposes of these Terms:

• “Account” – A unique profile created for You to access our Service.
• “Affiliate” – Any entity controlling, controlled by, or under common control with a party.
• “Application” – The Stake Kenya mobile or web application.
• “Company,” “We,” “Us,” “Our” – Stake Kenya Sacco Ltd., Nairobi, Kenya.
• “Country” – Kenya.
• “Device” – Any device capable of accessing the Service.
• “Service” – The Website, Application, or both.
• “Service Provider” – Any person or entity processing data on behalf of the Company.
• “Third-party Social Media Service” – Any external service or content accessible through the Service.
• “Website” – Stake Kenya Sacco Ltd., accessible from our domain.
• “You” – The individual or entity using the Service.

2. Acknowledgment

These Terms outline the rights and responsibilities of all users.
Your access to the Service requires your acceptance of:

• These Terms, and
• Our Privacy Policy.

By using the Service, you represent that you are 18 years or older.

3. User Accounts

You agree to:

• Provide accurate, complete, and current information.
• Keep your password confidential.
• Notify us immediately of any unauthorized access.

You may not use a username that:

• Belongs to someone else,
• Violates trademark rights,
• Is offensive, vulgar, or obscene.

4. Content

You are responsible for any content you post.

By posting Content, you grant Us:

• A license to use, modify, display, reproduce, and distribute it on the Service.

You affirm that:

• You own the Content or have permission to use it.
• Your Content does not violate the rights of others.

5. Prohibited Uses

You agree not to use the Service to:

5.1 Illegal or Harmful Activities

• Violate any law or regulation.
• Harm or attempt to harm minors.
• Spread spam or unauthorized promotions.

5.2 Misrepresentation

• Impersonate the Company or another person.

5.3 Rights Violations

• Infringe on the rights of others.

5.4 Technical Misuse

• Overload or damage the Service.
• Use bots, scrapers, or other automated tools.
• Introduce malicious software.
• Attempt unauthorized access to the Service or servers.

6. Intellectual Property

All original Service content belongs exclusively to the Company and its licensors.
Our trademarks may not be used without written permission.

7. Copyright Policy

We respect intellectual property laws. If your copyrighted work is infringed, send a written notice to:

📧 info@stakekenyasacco.co.ke

Include:

• Your signature
• Description of the work
• Location of infringing material
• Your contact details
• A good-faith statement
• A statement under penalty of perjury

False claims may result in liability for damages.

8. DMCA Procedure

To file a DMCA claim, provide the required information under 17 U.S.C 512(c)(3) to our copyright agent at the email above.

9. Error Reporting and Feedback

By submitting feedback, you agree that:

• You transfer rights to Us, OR
• Where transfer isn’t possible, you grant us an irrevocable, perpetual, royalty-free license to use your feedback.

10. Links to Third-Party Websites

We are not responsible for third-party websites or services linked through our platform.
We recommend reviewing their terms and privacy policies.

11. Termination

We may suspend or terminate your Account immediately for any breach of these Terms.
Upon termination, your right to use the Service ceases.

12. Limitation of Liability

Our liability is limited to:

• The amount you paid through the Service, or
• USD 100, if no payments were made.

We are not liable for:

• Loss of profits
• Data loss
• Business interruption
• Indirect or consequential damages

Some jurisdictions may not allow certain limitations.

13. “AS IS” and “AS AVAILABLE” Disclaimer

The Service is provided without warranties of any kind.
We do not guarantee:

• Error-free operation
• Continuous availability
• Freedom from malware
• Accuracy or reliability of content

Some limitations may not apply depending on your region.

14. Governing Law

These Terms are governed by the laws of Kenya, excluding conflict-of-law principles.

15. Dispute Resolution

You agree to attempt informal resolution by contacting the Company before initiating formal action.

16. EU Users

EU consumers retain all mandatory protections afforded by their resident countries.

17. U.S. Legal Compliance

You confirm that:

• You are not located in a U.S.-embargoed country, and
• You are not on a U.S. restricted party list.

18. Severability and Waiver

If any provision is deemed invalid, the remaining provisions remain in effect.
Failure to enforce a right is not a waiver of future enforcement.

19. Translation Interpretation

If translated, the English version prevails in case of discrepancies.

20. Changes to These Terms

We may modify these Terms at any time.
Material changes will include at least 30 days’ notice.
Continued use after changes means acceptance.

21. Contact Us

If you have questions about these Terms, contact us via:

📍 Website Contact Page: Stake Kenya Sacco Ltd – Contacts
📧 Email: info@stakekenyasacco.co.ke