<h4>1. Acceptance of terms</h4>
<p>By registering, accessing, or using this platform and related services, you agree to be bound by these Terms and Conditions. If you are using the platform on behalf of an institution (e.g. a SACCO, microfinance institution, or cooperative), you represent that you have authority to bind that institution. If you do not agree, do not use the platform.</p>
<h4>2. Description of service</h4>
<p>The platform provides software and related services for financial institutions to manage savings, loans, treasury, expenses, members, and reporting. Features, availability, and scope may vary by subscription or configuration. We do not provide financial, legal, or regulatory advice; you are responsible for your own compliance and decisions.</p>
<h4>3. Registration and account</h4>
<p>You must provide accurate and complete information when registering and keep it updated. You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account. You must notify us promptly of any unauthorised use or breach of security.</p>
<h4>4. Acceptable use</h4>
<p>You agree to use the platform only for lawful purposes and in accordance with these terms. You must not: misuse or attempt to gain unauthorised access to the platform or others' data; use the platform for fraud or illegal activity; interfere with the operation or security of the service; or use it in any way that could harm us, other users, or third parties. We may suspend or terminate access for breach of these terms.</p>
<h4>5. Data and privacy</h4>
<p>Your use of the platform is also governed by our Privacy Policy. You are responsible for the data you and your users enter (including member and transaction data) and for ensuring that you have the right to use and process it. You must comply with applicable data protection and privacy laws.</p>
<h4>6. Fees and payment</h4>
<p>Fees for the service (if any) are as set out in your agreement or on the platform. You agree to pay all applicable fees when due. We may change fees on notice where permitted by your agreement. Failure to pay may result in suspension or termination of service.</p>
<h4>7. Intellectual property</h4>
<p>The platform, including its design, software, and content (other than content you provide), is owned by us or our licensors. We grant you a limited, non-exclusive licence to use the platform in accordance with these terms. You may not copy, modify, distribute, or create derivative works from our platform or content except as expressly permitted.</p>
<h4>8. Disclaimer of warranties</h4>
<p>The platform is provided "as is" and "as available". We do not warrant that it will be uninterrupted, error-free, or fit for a particular purpose. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including merchantability and fitness for a particular purpose.</p>
<h4>9. Limitation of liability</h4>
<p>To the maximum extent permitted by law, we (and our affiliates, directors, employees, and suppliers) shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or for loss of profits, data, or business opportunity, arising from or in connection with your use of the platform. Our total liability shall not exceed the fees paid by you for the service in the twelve (12) months preceding the claim, or such other limit as set out in your agreement.</p>
<h4>10. Indemnity</h4>
<p>You agree to indemnify and hold us harmless from any claims, losses, damages, or expenses (including reasonable legal fees) arising from your use of the platform, your breach of these terms, your violation of any law, or your infringement of any third-party rights.</p>
<h4>11. Termination</h4>
<p>We may suspend or terminate your access to the platform at any time for breach of these terms, non-payment, or for any other reason with notice where required. You may stop using the platform at any time. On termination, your right to use the platform ceases. Provisions that by their nature should survive (e.g. liability, indemnity, intellectual property) will survive termination.</p>
<h4>12. Changes to terms or service</h4>
<p>We may change these Terms and Conditions or the platform from time to time. We will give you notice of material changes where required (e.g. by email or notice in the platform). Continued use after the effective date of changes constitutes acceptance. If you do not agree, you must stop using the platform.</p>
<h4>13. General</h4>
<p>These terms constitute the entire agreement between you and us regarding the platform. If any part is held invalid, the rest remains in effect. Our failure to enforce any right does not waive that right. These terms are governed by the laws of the jurisdiction specified in your agreement or on this site. Any disputes shall be resolved in the courts of that jurisdiction.</p>
<h4>14. Contact</h4>
<p>For questions about these Terms and Conditions, contact us using the contact information provided by your institution or on this website.</p>