Terms of Service

1. Acceptance of Terms

By using GrupChat, you agree to these Terms of Service. If you do not agree to these terms, please do not use our app or website. These terms constitute a legal agreement between you and GrupChat.

2. Description of Service

GrupChat is a mobile and web application that allows users to pool money with friends and family through M-Pesa integration. Our service includes:

• Creating and managing group funding pools
• Facilitating M-Pesa transactions
• Tracking contributions and progress toward goals
• Providing transparency in group activities

3. User Responsibilities

As a user of GrupChat, you agree to:

• Provide Accurate Information: Provide accurate, current, and complete information when creating your account and using our services.
• Account Security: Keep your account credentials secure and notify us immediately of any unauthorized access to your account.
• Legal Compliance: Use the app in compliance with all applicable laws and regulations in your jurisdiction.
• Respectful Use: Treat other users with respect and refrain from harassment or abusive behavior.

4. Prohibited Activities

You may not use GrupChat for any of the following prohibited activities:

• Fraudulent Activity: No fraudulent, deceptive, or misleading activities related to money pooling or transactions.
• Illegal Activities: No activities that violate local, national, or international laws.
• System Interference: No unauthorized access, interference, or attempts to disrupt our systems or services.
• Money Laundering: No use of the platform for money laundering or financing illegal activities.

5. Transactions

GrupChat facilitates transactions through M-Pesa integration. By using our service, you understand and agree that:

• All transactions are subject to M-Pesa terms and conditions
• Transaction fees may apply as disclosed in the app
• We are not responsible for M-Pesa system failures or delays
• You are responsible for ensuring sufficient funds for withdrawals
• Disputed transactions should be reported immediately through our support channels

6. Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your personal information. By using our service, you consent to the collection and use of your information as described in our Privacy Policy.

7. Limitation of Liability

GrupChat is provided "as is" without warranties of any kind. To the fullest extent permitted by law, we disclaim all warranties, express or implied. We are not liable for:

• Any indirect, incidental, or consequential damages
• Loss of profits, data, or business opportunities
• Damages resulting from third-party services (including M-Pesa)
• User disputes or disagreements within groups

8. Account Termination

We reserve the right to suspend or terminate your account at any time for violation of these terms, suspicious activity, or for any other reason we deem necessary. Upon termination, you will lose access to your account and any pending transactions will be handled according to our standard procedures.

9. Changes to Terms

We may update these Terms of Service from time to time to reflect changes in our service or legal requirements. We will notify users of significant changes through the app or via email. Continued use of the app after changes constitutes acceptance of the updated terms.

10. Governing Law

These Terms of Service are governed by and construed in accordance with the laws of Kenya. Any disputes arising from these terms or your use of GrupChat will be subject to the jurisdiction of Kenyan courts.

11. Contact Information

If you have any questions about these Terms of Service, please contact us at info@grupchat.net. We will respond to your inquiries as promptly as possible.