Terms & Conditions

ZenLipa Terms and Conditions

Last Updated: September 4, 2025

Welcome to ZenLipa. These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and ZenLipa ("ZenLipa," "we," "us," or "our") governing your access to and use of the ZenLipa platform, including our website, mobile applications, and all associated services (collectively, the "Platform").

By accessing, registering for, or using our Platform, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms, you must not access or use the Platform.

1. Definitions

  • "Campaign": A fundraising initiative created by an Organizer on the Platform.
  • "Chama": A savings or investment group managed through the Platform.
  • "Contributor": Any User who donates, contributes, or pays funds to a Campaign, Event, Chama, or Church.
  • "Event": A gathering, either physical or virtual, for which an Organizer uses the Platform to manage ticketing, merchandise, or other services.
  • "Organizer": Any User who creates and manages a Campaign, Event, Chama, or Church account on the Platform.
  • "User Content": All content, including text, images, videos, and information, that a User posts, uploads, or otherwise makes available on the Platform.

2. Eligibility

To use the Platform, you must be at least 18 years old and have the legal capacity to enter into a binding contract. By using the Platform, you represent and warrant that you meet these eligibility requirements.

3. Account Registration and Security

  • Account Creation: You may be required to register for an account to access certain features of the Platform. You agree to provide accurate, current, and complete information during the registration process.
  • Account Responsibility: You are solely responsible for all activities that occur under your account. You must maintain the confidentiality of your account credentials, including your username and password, and notify us immediately of any unauthorized use.

4. Fees, Payments, and Withdrawals

ZenLipa facilitates financial transactions through integrated third-party payment processors. By conducting transactions on the Platform, you agree to the terms and conditions of these processors.

  • Service Fees: We charge a service fee for transactions on the Platform. The application of these fees depends on the service type. Fees described as a "processing fee" are deducted from your wallet balance at the time you initiate a withdrawal.

Our current fee structure is as follows:

  • Fundraising Campaigns: A processing fee of 2.9% of the total funds withdrawn.
  • Event Management: A processing fee of 4.0% of the total revenue collected.
  • Chama Management: A processing fee of 2.5% of the total funds withdrawn.
  • Tipping: A processing fee of 2.9% is applied to all voluntary tips made to Organizers.
  • Church Management: Fees are specified in the service agreement with the respective church.
  • Voluntary Tips: Contributors may provide a voluntary, non-refundable tip (gratuity) to an Organizer. Tips can be given as part of another contribution or as a direct, standalone payment, including through a dedicated tipping link. ZenLipa processes these tips and applies the relevant processing fee. Tips are treated as contributions and are subject to the same terms.
  • Fee Changes: ZenLipa reserves the right to change its service fees at any time. We will provide you with at least 30 days' notice of any fee changes before they become effective.
  • Withdrawals: Organizers may request withdrawals of available funds from their ZenLipa wallet. We aim to process withdrawal requests promptly, typically immediately after initiating the withdrawal. However, processing may be delayed for security reviews, fraud prevention checks, verification requirements, or delays caused by third-party payment systems. ZenLipa is not liable for any such delays.
  • Refunds: All transactions are final. Refunds for contributions or ticket purchases are at the sole discretion of the Organizer, except where ZenLipa determines, in its sole discretion, that a Campaign or Event is fraudulent, in violation of these Terms, or where a technical error has occurred. Organizers must clearly communicate their own refund policies to Contributors.

5. The Role of ZenLipa

ZenLipa provides a technology platform to allow Organizers to connect with Contributors. ZenLipa is not a party to any agreement between any Users. We are not a broker, financial institution, creditor, or charity.

All funds are collected and held by our third-party payment processing partners. The existence of a Campaign, Event, or organization on the Platform is not an endorsement by ZenLipa. We do not guarantee that any information provided by Users is accurate or that contributed funds will be used as promised. We expressly disclaim any liability or responsibility for the success of any Campaign or the actions of any User.

6. Service-Specific Terms

6.1. For Fundraising Organizers:

  • You represent and warrant that all information you provide about your Campaign is accurate and that all contributed funds will be used solely for the purpose stated in your Campaign description.
  • You are responsible for communicating with Contributors and providing them with updates.

6.2. For Event Organizers:

  • You are responsible for all aspects of your Event, including its execution, safety, and compliance with all applicable laws.
  • You must clearly define and communicate your refund and cancellation policies to attendees.

6.3. For Chama and Church Admins:

  • You are responsible for managing your group's membership, setting contribution rules, and enforcing penalties.
  • ZenLipa provides a platform to facilitate transparency and automation but is not a party to your internal agreements and will not mediate internal disputes.

7. Acceptable Use and Content Standards

You agree not to use the Platform to:

  • Violate any applicable national or international law or regulation.
  • Create any Campaign or Event that is fraudulent, misleading, inaccurate, or dishonest.
  • Upload User Content that is defamatory, obscene, pornographic, vulgar, or offensive.
  • Promote discrimination, bigotry, racism, hatred, harassment, or harm against any individual or group.
  • Infringe, misappropriate, or violate a third party’s patent, copyright, trademark, trade secret, or other intellectual property rights.
  • Engage in any activity that disrupts, interferes with, or harms the Platform, its servers, or its network.

We reserve the right, but do not assume the obligation, to investigate any Campaign or User. We may place a hold on funds, suspend, or terminate an account if we suspect, in our sole discretion, fraudulent activity, a breach of these Terms, or misuse of the Platform. We may also be required to share information with law enforcement in connection with any investigation.

8. Intellectual Property Rights

  • ZenLipa's IP: All rights, title, and interest in and to the Platform and its content (excluding User Content), including its software, logos, and branding, are the exclusive property of ZenLipa.
  • User Content: You retain ownership of your User Content. However, by providing User Content, you grant ZenLipa a worldwide, non-exclusive, royalty-free, transferable license to use, host, display, reproduce, modify, and distribute your User Content in connection with operating and promoting the Platform.

9. Data Protection and Privacy

Our collection and use of personal information in connection with your use of the Platform is described in our Privacy Policy. We implement commercially reasonable technical and organizational measures to protect your data, in compliance with the laws of Kenya and applicable international regulations.

10. Disclaimer of Warranties

THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED. ZENLIPA MAKES NO WARRANTY THAT THE PLATFORM WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE.

ZENLIPA DOES NOT INDEPENDENTLY VERIFY THE INFORMATION PROVIDED BY ORGANIZERS AND MAKES NO WARRANTIES ABOUT THE TRUTHFULNESS, ACCURACY, SAFETY, OR LEGALITY OF ANY CAMPAIGN OR USER CONTENT. THE RISK OF DEALING WITH OTHER USERS AND DETERMINING WHETHER THEIR STATED PURPOSE IS APPROPRIATE LIES ENTIRELY WITH YOU. YOU HEREBY RELEASE ZENLIPA FROM ANY AND ALL DAMAGES OR CLAIMS ARISING OUT OF OR IN ANY WAY CONNECTED WITH ANY DISPUTE YOU HAVE WITH OTHER USERS.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL ZENLIPA, ITS AFFILIATES, OFFICERS, OR EMPLOYEES 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 USE OF THE PLATFORM; (B) ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON THE PLATFORM; OR (C) UNAUTHORIZED ACCESS, USE, OR ALTERATION OF YOUR CONTENT.

IN NO EVENT SHALL ZENLIPA'S AGGREGATE LIABILITY EXCEED THE GREATER OF TWO THOUSAND KENYAN SHILLINGS (KES 2,000) OR THE AMOUNT OF FEES PAID BY YOU TO ZENLIPA IN THE SIX (6) MONTHS PRIOR TO THE EVENT GIVING RISE TO THE LIABILITY.

12. Indemnification

You agree to release, defend, indemnify, and hold ZenLipa and its affiliates, officers, and employees harmless from and against any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of or in any way connected with (i) your breach of these Terms, (ii) your improper use of the Platform, or (iii) your violation of any law or the rights of a third party.

13. Termination

We may, in our discretion, suspend, disable, or terminate your account and access to the Platform without prior notice if you breach these Terms or if we believe such action is necessary to protect the security of the Platform or other Users. Upon termination, all provisions of these Terms which by their nature should survive will survive.

14. Changes to Terms

ZenLipa reserves the right to modify these Terms at any time. If we make material changes, we will provide you with notice, such as by sending an email or posting a notification on the Platform. Your continued use of the Platform after the effective date of the revised Terms will constitute your acceptance of the changes.

15. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the Republic of Kenya, without regard to its conflict of law provisions. Any dispute, controversy, or claim arising out of or relating to these Terms shall be settled through binding arbitration in Nairobi, Kenya, in accordance with the Kenyan Arbitration Act.

16. General Provisions

  • Entire Agreement: These Terms constitute the entire and exclusive understanding and agreement between ZenLipa and you regarding the Platform.
  • Severability: If any provision of these Terms is held to be invalid or unenforceable, that provision will be enforced to the maximum extent permissible, and the other provisions will remain in full force and effect.
  • Waiver: ZenLipa's failure to enforce any right or provision of these Terms will not be considered a waiver of such right or provision.

17. Contact Us

For any questions about these Terms & Conditions, please contact us at: [info@zenlipa.co.ke]