Terms of service

Welcome to Qiovu

These Terms of Service ("Terms") govern your access to and use of the Qiovu mobile application and website (collectively, the "Service"). By accessing or using the Service, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, do not use the Service.

1. General Overview

1.1 Eligibility

You must be at least 18 years old to use the Service. By agreeing to these Terms, you represent and warrant that you are at least 18 years old and capable of entering into a binding contract.

1.2 Service Purpose

The Service is designed to empower informal workers with simple, reliable financial tools that turn daily hustle into lasting progress. It provides features for savings management, financial tracking, and educational content.

1.3 Geographic Limitations

The Service is currently available only to users residing in Kenya. We reserve the right to expand or restrict our service availability at any time.

2. User Accounts and Security

2.1 Account Registration

To access certain features of the Service, you may be required to register for an account. You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete.

2.2 Account Security

You are responsible for safeguarding your password and for any activities or actions under your account. Qiovu cannot and will not be liable for any loss or damage arising from your failure to maintain the security of your account.

2.3 Prohibited Conduct

You agree not to engage in any of the following prohibited activities: (a) copying, distributing, or disclosing any part of the Service in any medium; (b) using any automated system, including "robots," "spiders," "offline readers," etc., to access the Service; (c) transmitting spam, chain letters, or other unsolicited email; (d) attempting to interfere with, compromise the system integrity or security or decipher any transmissions to or from the servers running the Service.

3. Services Provided

3.1 Qiovu Savings

Our savings tools allow you to set financial goals, track your progress, and manage your contributions. While we facilitate savings, Qiovu is not a bank and does not hold your funds directly. All funds are held by regulated financial partners.

3.2 Hakiba Groups

Hakiba Groups enable users to create and manage collective savings initiatives (chamas). Users are responsible for managing their group's internal agreements and transactions.

3.3 Financial Education

The Service provides educational content and resources to help users improve their financial literacy. This information is for educational purposes only and does not constitute financial advice.

4. Prohibited Activities

You agree not to engage in any of the following prohibited activities:

• Using the Service for any illegal or unauthorized purpose.
• Interfering with or disrupting the integrity or performance of the Service.
• Attempting to gain unauthorized access to the Service or its related systems or networks.
• Uploading or transmitting viruses or any other type of malicious code.
• Collecting or harvesting any personally identifiable information from the Service.
• Impersonating any person or entity, or falsely stating or otherwise misrepresenting your affiliation with a person or entity.

5. Risk Disclosure

5.1 General Risks

Using financial tools and services inherently involves risks. While Qiovu strives to provide reliable tools, we do not guarantee financial returns or protection against all financial risks.

5.2 Third-Party Services

The Service may integrate with or provide links to third-party services. Qiovu is not responsible for the terms, privacy policies, or practices of any third-party websites or services.

6. Limitation of Liability

To the maximum extent permitted by law, Qiovu shall not be liable for any indirect, incidental, special, consequential or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from (a) your access to or use of or inability to access or use the service; (b) any conduct or content of any third party on the service; (c) any content obtained from the service; and (d) unauthorized access, use or alteration of your transmissions or content.

7. Governing Law

These Terms shall be governed and construed in accordance with the laws of Kenya, without regard to its conflict of law provisions.

8. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

9. Contact Us

If you have any questions about these Terms, please contact us at hello@qiovu.com.