Terms & Conditions

01About these terms

These terms govern your use of the Self Repay Credit (“SRC”) website and mobile app. By accessing the website, downloading or using the app, or joining SRC through a partner business, you agree to them. If you do not agree, please do not use SRC.

Your membership with a particular partner business may also be subject to specific membership terms provided at enrolment. If there is a conflict, those membership terms apply to that membership.

02Eligibility

You must be at least 18 years old and able to enter into a binding agreement to hold an SRC membership or use the app. Businesses must be lawfully operating in Kenya and must pass SRC’s assessment before being authorised.

03What SRC is

SRC is a membership-based commercial framework offered through businesses that members already trust. Members pay an annual membership fee and commit to a minimum monthly spend with the enrolling business. A portion of that spending is recorded as member savings and SRC credit that can be used at that business.

• SRC savings and credit are commercial value usable only at the enrolling business.
• They are not cash, a bank deposit, e-money or a loan, and cannot be withdrawn, transferred or exchanged for cash unless the membership terms expressly say so.
• SRC does not pay interest on balances.
• The specific fee, spending commitment, rates and any validity periods are set per business and disclosed to you before you join.

04Membership

Your membership starts when you complete enrolment and pay the annual fee shown to you. You agree to provide accurate information and to keep it up to date. Membership fees, renewal, cancellation and any refund rights are set out in the membership terms you receive at enrolment, and nothing in these terms limits any rights you have under Kenyan consumer protection law.

05Participating businesses

Businesses are authorised to issue SRC only after a formal assessment, which SRC may refuse, condition or withdraw at its discretion in line with its internal review. Participating businesses must honour SRC balances they have issued, apply the framework as agreed, and keep member information confidential.

Any private financing offered to an authorised business is subject to a separate written agreement, which sets out the full pricing, total repayment, repayment method and recovery period. Descriptions of financing on the website are general information, not an offer or commitment to lend.

06Using the mobile app

We grant you a limited, personal, non-exclusive, non-transferable licence to install and use the SRC app for its intended purpose. The Android app is provided as an APK file from this website; you are responsible for allowing installation from this source on your device and for keeping the app up to date.

• Download the app only from this website. We cannot vouch for copies from other sources.
• Keep your sign-in details secret and tell us promptly if you suspect unauthorised access.
• Access to the member, business and reserve portals is issued by SRC after verification and must not be shared.

07Acceptable use

You agree not to:

• Use SRC for any unlawful, fraudulent or misleading purpose.
• Attempt to gain unauthorised access to accounts, systems or data.
• Reverse engineer, copy, modify or interfere with the website or app, or introduce malicious code.
• Manipulate transactions, balances or the repayment cycle, or use SRC to launder money.
• Misrepresent your identity, or your connection with a member or business.

We may suspend or end access where we reasonably believe these terms have been breached or the platform’s security or integrity is at risk.

08Intellectual property

The SRC name, logo, framework, website, app and their content belong to Self Repay Credit or its licensors and are protected by law. Nothing in these terms transfers ownership to you. The website content is provided for your information and may not be copied or republished without our written permission.

09Privacy

Our Privacy Policy explains how we handle personal data and forms part of these terms.

10Information, not advice

The website describes the SRC framework in general terms. It is not financial, legal or tax advice, and illustrative descriptions do not guarantee any particular outcome. Please consider your own circumstances and take independent advice where appropriate.

11Availability and changes to the service

We work to keep the website and app available and accurate, but they are provided “as is” and may occasionally be interrupted, updated or changed. We may update features, rates or these terms; where a change materially affects an existing member, we will give reasonable notice.

12Limitation of liability

To the extent permitted by law, SRC is not liable for indirect or consequential loss, loss of profit or loss arising from events outside our reasonable control, including network or third-party service failures. Nothing in these terms excludes liability that cannot lawfully be excluded, or limits your statutory consumer rights.

13Complaints

If you have a complaint, raise it through the in-app complaints feature or email selfrepaycredit@gmail.com. We will acknowledge it promptly and aim to resolve it fairly and within a reasonable time.

14Governing law

These terms are governed by the laws of Kenya, and the courts of Kenya have jurisdiction over any dispute, subject to any mandatory rights you have elsewhere.

15Contact

Questions about these terms can be sent to selfrepaycredit@gmail.com.