Terms and Conditions

Agreement

These terms (hereinafter “Terms and Conditions”) apply to the access and use of your account and the Jilipe sasa to Pay (“Pay”) Mobile Financial Services, provided by Sipranda Capital Ltd’s Financial Wellness (“Jilipe sasa”) and its operating subsidiaries, by you (the Customer).
The Pay Terms and Conditions together with the General Terms and Conditions regarding your account and Mobile Financial Services provided by Sipranda Capital Financial Wellness constitute the contracts between you and Jilipe sasa Financial Wellness.

Definitions

For purposes of these terms and conditions the following words and expressions shall bear the following meanings unless expressly provided otherwise;

“Account” means an electronic account opened with “Jilipe sasa” for the purpose of effecting Mobile Financial Services in accordance with the terms and conditions set out.
“Customer” means the person who holds an Account;
“Equipment” means a mobile phone, tablet, sim card, and / or any other device that enables the Customer to access Mobile Financial Services.
Headings in these Terms and Conditions are for convenience purposes only and they do not affect the interpretation of this Agreement.
“Merchant” means the commercial entity or person authorized to accept and receive electronic payment transactions from customers
“Mobile Financial Services” means the Services provided to the Customer via the Equipment.
“MNO Mobile Money” means the digital payment platform that allows the transfer of money between cellphone devices
“Jilipe sasa PIN” means your personal identification number used exclusively by you to transact on your Account.
“Jilipe sasa” means Sipranda Capital Ltd’s duly incorporated in Kenya.
“Jilipe sasa Marketplace” means the environment hosted by or on behalf of Jilipe sasa on which the Services shall be made available to the Customers.
“Regulatory Authority” means any establishment set up through an Act of Parliament or other legislative means with the mandate to provide prudential oversight over entities in a particular industry. This includes the Central Bank of Kenya, Capital Markets Authority, Insurance Regulatory Authority, or any other authority.
“Services” means any form of facilities or products that Jilipe sasa may offer pursuant to these Terms & Conditions and as may be offered from time to time.
“Short Message Service” “SMS” means a text message service component of phone, web, or mobile communication systems.
“Transaction Fees” includes service fee and penalty fee and any other fees and charges payable for the use of the Services as published by the Jilipe sasa, as Jilipe sasa shall in its sole discretion determine. Transaction Fees are subject to change at any time at Jilipe sasa’s sole discretion with the adequate notice provided to the Customer as required by law;
“We,” “our,” and “us,” means Jilipe sasa and, where the contents so permits, includes the successors and assigns of Jilipe sasa;
Words importing the singular meaning where the context so admits include the plural meaning and vice versa.
“You” or “your” means the Customer and includes the personal representatives of the customer

Acceptance of Terms and Conditions

Before applying for an Account and access to Mobile Financial Services, you (the Customer) acknowledge having read, understood and accepted the Terms and Conditions contained herein.
If you do not agree with these Terms and Conditions, please do not click “Proceed” on your Equipment.
By selecting ‘Proceed’ and applying for an Account, and or by using, or continuing to use and operate the Account, it is deemed that you have agreed to comply and be bound by these Terms and Conditions and any amendments / changes that may be made from time to time.
You (the Customer) further affirm that these Terms and Conditions do not constitute a waiver of any right that Jilipe sasa may have in law or otherwise with respect to the Account.
You acknowledge and accept that your Account(s) is / are only offered electronically and you agree that the Services will be performed electronically via the Jilipe sasa Marketplace.
You further acknowledge that all queries and / or complaints relative to the Account will be made via the Jilipe sasa customer support center, which you acknowledge and agree is not a physical branch of Jilipe sasa for the rendering of financial services transactions

Types of Account(s)

Jilipe sasa/Sipranda Capital via the Jilipe sasa Marketplace, may introduce new categories of Accounts on the Account opening platform and menu system to be used for accessing Mobile Financial Services by the Customer. Prior to availing any new Accounts, Jilipe sasa will provide access via new menu options and, where applicable, the Customer will be requested to submit any applicable additional information.

Pay Account

To open this Account you should be a minimum of 18 years of age.
As a holder of this account you will been entitled to make payments by accessing earned wages or future earnings, subject to these terms and conditions herein. The granting of the payment is also subject to your employer rules and assessment processes, general terms and conditions, policies and procedures as may be applicable. Jilipe sasa reserves the right, at its sole discretion, to approve or decline your application request and may or may not provide reason/s on request.
Application for the payment shall be made through the Jilipe sasa marketplace digital interface platform and menu system.
The proceeds of the payment shall be disbursed / paid to your MNO Mobile Money account, Account, or Merchant as specified by the Customer.
The payment including any Transaction Fees due, shall be paid in accordance with the time periods chosen by you at the time of application.
You hereby expressly consent that all repayments due from you, including but not limited to Pay amount(s) requested and Transaction Fees, shall be recovered by Jilipe sasa directly from your employer, source of income, or from your nominated payment account.
In the event that the Pay amount(s) requested and Transaction Fees are not repaid within the agreed upon cycle, the drawdowns will not be available until this is settled.
In the event that the full amount due has not been recovered during the cycle , Jilipe sasa will continue to follow up through the employer, until the full outstanding amount plus applicable Transaction Fees have been recovered.
Failure to repay the outstanding amount, including Transaction Fees, on the due date will be taken into consideration when assessing any future Services.
Jilipe sasa reserves the right to terminate the Services in the event you are unable to repay all outstanding amounts within a period of (30) days from date of initial disbursement to your Account. Such termination does not constitute waiver of any other rights available at law or otherwise to Jilipe sasa to recover losses.
You hereby expressly consent and authorize Jilipe sasa to disclose, respond, advise, exchange and communicate the details or information pertaining to your Account to Credit Reference Bureaus as required.
The Terms and Conditions of the Account may be varied at the sole discretion of Jilipe sasa in line with prevailing rules and regulations of the applicable Regulatory Authority and policies of Jilipe sasa.
You hereby expressly consent to the disclosure of your information, provision of responses and communication of your details to relevant stakeholders concerning your Account.
Fees
You hereby acknowledge the accountability to pay any fees and amounts that are due and payable as a result of using this Service.
The following fees / costs are payable and deductible from your Account (without any reference to you);
Transaction Fees in respect of Services;
Any Penalty Fees due to failure to repay the full amount of the loan and Transactions fees on due date
Any legal fees incurred as a result of any advice sought, litigation, proceedings and including but not limited to arbitration in respect of your Account with Jilipe sasa;
All other fees, costs and expenses incurred by Jilipe sasa in processing any of your requests on your Account

Statements

You may request for statements of your Account using the Jilipe sasa Marketplace platform or through Customer Support channels.
The default statement will provide details of the account balance of the current cycle transactions from your Account or a statement selected by date range up to a maximum of a 6 month period, with additional statement periods selected separately or such as may be determined by Jilipe sasa, data costs as per your provider apply.

Customer Responsibilities

You shall ensure the safekeeping of your Equipment necessary for accessing the Jilipe sasa Marketplace digital interface platform and menu system. Such safekeeping will be done at your expense.
You shall ensure that all personal information relating to your Account, are not disclosed to third Parties or compromised in any manner. You hereby indemnify Jilipe sasa against any such disclosures and warrant that all safekeeping, including that of your transactional Jilipe sasa PIN and password, are your sole responsibility.
You shall be responsible for the proper performance of your Equipment to enable you access to the Jilipe sasa Marketplace digital interface platform and menu system. Jilipe sasa will not be responsible for any costs or charges associated with the malfunctioning of your Equipment including but not limited to software limitations, viruses or related problems.
You shall take all reasonable precautions to ensure that there is no unauthorised access to your Account and further pay attention to all communication, notifications and procedures provided by Jilipe sasa for use of the Jilipe sasa Marketplace digital interface platform and menu system.
Where you have reason to believe that your Account details including but not limited to your Jilipe sasa PIN or password have been disclosed, you will immediately inform Jilipe sasa through its Customer Centre.
You shall not at any point use the Jilipe sasa Marketplace digital interface platform and menu system in any manner that may be deemed prejudicial to Jilipe sasa.
Limitation of Liability
Jilipe sasa shall not be liable for any losses or damage suffered by you as a result of interference or unavailability of service due to;
Failure or disturbances to your Equipment
Disclosures of Account information and compromises to same
Any other circumstances not within Jilipe sasa’s control including but not limited to delay or non-availability of the system, failure of public or private telecommunications system and all other force majeure circumstances.
Pursuant to clause 8.1 Jilipe sasa shall further not be liable for or in connection with any of the following circumstances. The following is not an exhaustive list;
Failure, interruption and malfunction of the Jilipe sasa Marketplace platform and menu system
Failure and unavailability of network connection and your Equipment
Restrictions to your Account activity due to legal, regulatory processes or any other encumbrances prohibiting activities.
Your failure to provide accurate details for purposes of transacting.
Any unsolicited, illegal or fraudulent activities performed on the Account
Failure to adhere to the terms and conditions of this Agreement.
Your failure to comply with these Terms and Conditions or any other document that Jilipe sasa may provide you with concerning your Account and the use of the Jilipe sasa Marketplace digital interface platform and menu system.
Jilipe sasa will not be liable for any current or future losses whether direct or consequential and associated with any disruption or unavailability of services even in the event where notification on the likelihood of such loss is provided to Jilipe sasa.

Indemnity

In consideration of Jilipe sasa complying with your instructions or requests in relation to the Account, you undertake to indemnify Jilipe sasa and hold it harmless against any loss, charge, damage, expense, fee or claim which you may suffer, incur or sustain. You thereby absolve Jilipe sasa from all liability for loss or damage which you may sustain from Jilipe sasa acting on your instructions or requests or in accordance with these Terms and Conditions.

Intellectual Property Rights

You acknowledge that the intellectual property rights in the Jilipe sasa Marketplace digital interface platform and menu system (and any amendments upgrades or enhancements thereto from time to time) and all associated documentation that Jilipe sasa provides to you through the Jilipe sasa Marketplace digital interface platform and menu system or otherwise are the property of Jilipe sasa. You shall not infringe any such intellectual property rights. You shall not duplicate, reproduce or in any way tamper with the menu system and associated documentation without the prior written consent of any of the affected parties Intellectual Property in this case relates to any information that sits on the marketplace or comes to you by virtue of this agreement and your use of related facilities but not restricted thereto.

Termination of Relationship

Jilipe sasa reserves the right to terminate the relationship with you at any point following notification and close your Account. Termination of the relationship is without prejudice to Jilipe sasa and any other remedies of recourse it may have in law or otherwise. Pursuant to the contents of clause 11.1 Jilipe sasa may suspend or terminate the relationship with you following misuse, fraud and breach of these Terms and Conditions.
Jilipe sasa may further terminate or suspend your account upon receipt of a court order or instruction by a competent Regulatory Authority.
Jilipe sasa may also terminate the relationship for convenience in the event of among other factors, technical failures, non-payment of loan, Account inactivity or any other reasonable reason at the sole discretion of Jilipe sasa.
You may terminate your Account with Jilipe sasa at any time through the Jilipe sasa Customer Centre and any amounts due to you will be payable subject to deductions of any due fees. You further agree that such fees will be payable immediately prior to the release of any funds due to you.
Termination of the relationship is without prejudice to any accrued rights, obligations and liabilities of either party.

Miscellaneous

These Terms and Conditions shall be governed and construed in accordance with the laws of the Republic of Kenya. Any court in Kenya having competent jurisdiction shall address any disputes arising herein.
If any provision herein is found to be invalid or unenforceable by any court having competent jurisdiction or any other authority, such provision shall be severable and have no effect on the validity of the remaining provisions.
Failure to exercise and remedy or right in terms herein shall not be construed as a waiver thereof nor shall partial exercise of such right or remedy prevent the full exercise thereof.
Jilipe sasa may vary these Terms and Conditions including Transaction Fees through publishing on the Jilipe sasa website, print and electronic media, pamphlets, and other written communication or through any other means that Jilipe sasa may determine. Such amendments will come into force immediately upon such publication which will be construed as being notice to you. The amendments or variations made will be binding upon you.
Jilipe sasa may send all communication to you concerning your Account through SMS to your mobile number provided at account opening stage or via notifications on the Jilipe sasa Marketplace digital interface platform and menu system. You acknowledge that you have no claim against Jilipe sasa for any delays, damages, miscommunication, duplications, omissions or any other irregularities resulting from transmission of information to you concerning your Account.
You hereby irrevocably authorize Jilipe sasa to act on any of your request for transactions received through the Jilipe sasa Marketplace digital interface platform and menu system and to hold you liable for such instructions notwithstanding that such transactions are not requested by you or any party having a mandate to act on your behalf. Jilipe sasa holds the absolute discretion to action or cancel any request regardless of ambiguity, vagueness or incompleteness upon request from you and you warrant that you will have no recourse for remedy of same against Jilipe sasa.
Disputes will be resolved by Jilipe sasa through its standing customer service protocol. Jilipe sasa will liaise with concerned stakeholders being the Customer and external stakeholders to obtain all relevant information relating to any disputes and act as an impartial mediator to resolve all such disputes.
Pursuant to Clause 12.7 Jilipe sasa’s decision will be communicated to the customer including detailed reasons for the decision.
These terms are completely binding and enforceable upon both parties unless otherwise stipulated by law.

Jilipe sasa to Protect Terms and Conditions

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Agreement

This Agreement sets out the terms and conditions applicable to the Account opened by you (the Client) with Frictionless Enterprises Limited, provider of the Jilipe sasa Platform and hereinafter referred to as “Jilipe sasa”, and will come into effect upon the date of publication.
The Agreement constitutes the entire contract between the parties and supersedes any previous arrangements, representations, and agreements that have previously been entered into relating to the Account.
No changes, variations, amendments, or alterations to the Agreement shall be valid unless agreed to by the parties and such agreement reduced to writing.
This Agreement is completely binding and enforceable upon both parties unless otherwise stipulated by law.

Definitions
For purposes of this Agreement the following words and expressions shall bear the following meanings unless expressly provided otherwise;

“Account” means an electronic account opened on the Jilipe sasa Platform for the purpose of effecting Mobile Financial Services in accordance with the terms and conditions set out in this Agreement.
“Agreement” means this agreement together with all its annexures, schedules, and appendices.
“Client” means the person in whose name the electronic Account is opened and maintained on the Jilipe sasa Platform.
“Equipment” means your mobile phone, tablet, sim card, and / or any other device that enables the Client to access Mobile Financial Services.
Mobile Financial Services means the Services provided to the Client to conduct financial services and transactions via mobile Equipment
”PIN” means your personal identification number used exclusively by you to transact on your Account.
“Services” means any form of facilities or products that the Jilipe sasa may offer pursuant to this Agreement and as may be offered from time to time.
Short Message Service “SMS” means a text message service component of phone, web, or mobile communication systems.
“Transaction Fees” includes service fee and penalty fee and any other fees and charges payable for the use of the Services as published by Jilipe sasa’s website or by such other means as Jilipe sasa shall in its sole discretion determine. Transaction fees are subject to change at any time at Jilipe sasa’s sole discretion.
“We,” “our,” and “us,” means Jilipe sasa and, where the contents so permits, includes the successors and assigns of Jilipe sasa;
“You” or “your” means the Customer and includes the personal representatives of the Customer;
The word “Customer” shall include both the masculine and the feminine gender as well as juristic persons;
Words importing the singular meaning where the context so admits include the plural meaning and vice versa.
Headings in these Terms and Conditions are for convenience purposes only and they do not affect the interpretation of this Agreement.
“Jilipe sasa” means Frictionless Enterprises Limited, a limited liability company, duly incorporated in Kenya.
“Jilipe sasa Marketplace” means the environment hosted by or on behalf of Jilipe sasa on which various products shall be made available to Clients.

Acceptance of Terms and conditions

Before applying for an Account, you (the client) acknowledge having read and understood the terms and conditions contained herein.
If you do not agree with these Terms and Conditions, please do not click “Confirm” on the mobile app or “Proceed” in your user journey.
By selecting ‘Agree’ and applying for the Account, and or by using, or continuing to use and operate the Account, it is deemed that you have agreed to comply and be bound by the Terms and Conditions of this Agreement, and any amendments / changes that may be made from time to time, during the existence of the Agreement as available on Jilipe sasa websites.
You (the Client) further affirm that these Terms and Conditions do not constitute a waiver of any right that Jilipe sasa may have in law or otherwise with respect to the Account.
You acknowledge and accept that Accounts are only offered electronically and agree that any transactions will be performed electronically via Jilipe sasa platform that will be made available to you upon account opening.
You further acknowledge that all queries and / or complaints relative to the Account will be made via the Jilipe sasa customer support centre.

Account Opening

Prior to opening an Account, you agree and consent to the following.

You shall open your account solely through electronic means by using your Equipment via the JILIPE SASA Marketplace Account Opening platform and menu system.
You hereby authorize Jilipe sasa to request and obtain your personal information obtained through the Jilipe sasa Marketplace in line with applicable financial services laws and regulations.
You hereby consent to the disclosure of the Personal Information and to the aforesaid use of the Personal Information. This personal information includes but is not limited to name, identity documentation details, phone number/s, date of birth, residential address, and any other information required for identification purposes.
In addition, Jilipe sasa reserves the right to request from you any additional information it may require for opening of your Account. Failure to provide the requested personal information may result in refusal to open an Account for you.
Acceptance of your Account application will be sent to you via “SMS” to your number that is registered for the Account.
Jilipe sasa reserves the right to decline your application or terminate your account at any time at its discretion and without providing any reasons thereto.

Types of Account(s)

Jilipe sasa, via the Jilipe sasa Marketplace, may, during the existence of the Agreement, introduce new categories of accounts on the Account Opening platform and menu system to be used for the effecting of mobile banking services by the client. Prior to availing any new accounts, Jilipe sasa will provide access via new menu options and, where applicable, the client will be requested to submit any applicable additional information.

Protect Account

To open a Protect Account you should be a minimum of 18 years of age.
Jilipe sasa reserves the right, at its sole discretion, to approve or decline your application and may provide reason/s on request.
Application for the service shall be made through the Jilipe sasa Marketplace digital interface platform and menu system.
The loan including any Transaction Fees or facilitation fee, shall be paid in accordance with the time periods chosen by you at the time of application.
You hereby expressly consent that all repayments due from you, including but not limited to principal amount and Transaction Fees, shall be recovered by the Jilipe sasa directly from your employer, source of income, or from your nominated payment account or be made voluntarily through other mobile money or bank transfers.
In the event that the full amount due has not been recovered during the months cycle, Jilipe sasa will continue to follow up until the full outstanding amount have been recovered.
Failure to repay the outstanding amount, including Transaction and facilitation Fees, on the due date will be taken into consideration when assessing any future services.
Jilipe sasa reserves the right to terminate this Agreement in the event you are unable clear any outstanding debt beyond 30 days past due. Such termination does not constitute waiver of any other rights available by law or otherwise to Jilipe sasa to recover losses.
You hereby expressly consent and authorize Jilipe sasa to disclose, respond, advise, exchange and communicate the details or information pertaining to your Account to Credit Reference Bureaus as required.
The Terms and Conditions of the credit payment may be varied at the sole discretion of Jilipe sasa in line with prevailing rules and regulations of the Regulatory Authority and policies of Jilipe sasa.
You hereby expressly consent to the disclosure of your information, provision of responses and communication of your details to relevant stakeholders concerning your Account.

Fees

You hereby acknowledge the accountability to pay any fees and amounts that are due and payable as a result of using this service.
The following fees / costs are payable and deductible from your Account (without any reference to you);
Transaction Fees in respect of Services;
Julipe sasa facilitation fee.
Any legal fees incurred as a result of any advice sought, litigation, proceedings and including but not limited to arbitration in respect of your Account with Jilipe sasa.

Statements

You may request for statements of your Account using the Jilipe sasa Marketplace platform and system available made available to you from Jilipe sasa.
The statement will provide details of the balance of the current cycle transactions from your Account or such as may be determined by Jilipe sasa.

Client Responsibilities

You shall ensure the safekeeping of your Equipment necessary for accessing the Account Opening platform and menu system. Such safekeeping will be done at your expense.
You shall ensure that all personal information relating to your Account, are not disclosed to third Parties or compromised in any manner. You hereby indemnify the Jilipe sasa against any such disclosures and warrant that all safekeeping, including that of your transactional PIN and password, are your sole responsibility.
You shall be responsible for the proper performance of your Equipment to enable you access to the platform and menu system. Jilipe sasa will not be responsible for any costs or charges associated with the malfunctioning of your Equipment including but not limited to software limitations, viruses or related problems.
You shall take all reasonable precautions to ensure that there is no unauthorised access to your Account and further pay attention to all communication and procedures provided by Jilipe sasa for use of the platform and menu system.
Where you have reason to believe that your Account details including but not limited to your PIN or password have been disclosed, you will immediately inform Jilipe sasa through its Customer Contact Centre.
You shall not at any point use the menu system in any manner that may be deemed prejudicial to Jilipe sasa.

Limitation of Liability

Jilipe sasa shall not be liable for any losses or damage suffered by you as a result of interference or unavailability of service due to;
Failure or disturbances to your Equipment
Disclosures of Account information and compromises to same
Any other circumstances not within Jilipe sasa’s control including but not limited to delay or non-availability of the system, failure of public or private telecommunications system and all other force majeure circumstances.
Pursuant to clause 9.1 Jilipe sasa shall further not be liable for or in connection with any of the following circumstances. The following is not an exhaustive list;
Failure, interruption and malfunction of the Jilipe sasa Marketplace platform and system
Failure and unavailability of network connection and your Equipment
Restrictions to your Account activity due to legal, regulatory processes or any other encumbrances prohibiting activities.
Your failure to provide accurate details for purposes of transacting.
Any unsolicited, illegal or fraudulent activities performed on the Account
Failure to adhere to the terms and conditions of this Agreement.
Your failure to comply with the Terms and Conditions of this Agreement or any other document that Jilipe sasa may provide you with concerning your Account and the use of the Account Opening platform and menu systems.
Jilipe sasa will not be liable for any current or future losses whether direct or consequential and associated with any disruption or unavailability of services even in the event where notification on the likelihood of such loss is provided to Jilipe sasa.

Indemnity

In consideration of Jilipe sasa complying with your instructions or requests in relation to the Account, you undertake to indemnify Jilipe sasa and hold it harmless against any loss, charge, damage, expense, fee or claim which you may suffer, incur or sustain. You thereby absolve Jilipe sasa from all liability for loss or damage which you may sustain from Jilipe sasa acting on your instructions or requests or in accordance with these Terms and Conditions.

Intellectual Property Rights

You acknowledge that the intellectual property rights in the System (and any amendments upgrades or enhancements thereto from time to time) and all associated documentation that Jilipe sasa provides to you through the System or otherwise are the property of Jilipe sasa. You shall not infringe any such intellectual property rights. You shall not duplicate, reproduce or in any way tamper with the menu system and associated documentation without the prior written consent of any of the affected parties Intellectual Property in this case relates to any information that sits on the marketplace or comes to you by virtue of this agreement and your use of related facilities but not restricted thereto.

Termination of Relationship

Jilipe sasa reserves the right to terminate the relationship with you at any point following notification and close your Account. Termination of the relationship is without prejudice to Jilipe sasa and any other remedies of recourse it may have in law or otherwise. Pursuant to the contents of clause 11.1 Jilipe sasa may suspend or terminate the relationship with you following misuse, fraud and breach of the Terms and Conditions of this Agreement.
Jilipe sasa may further terminate or suspend your account upon receipt of a court order or instruction by a competent Regulatory Authority.
Jilipe sasa may also terminate the relationship for convenience in the event of among other factors, technical failures, non-payment of loan, Account inactivity or any other reasonable reason at the discretion of Jilipe sasa
You may terminate your Account with Jilipe sasa at any time through the Jilipe sasa Customer Centre and any amounts due to you will be payable subject to deductions of any due fees. You further agree that such fees will be payable immediately prior to the release of any funds due to you.
Termination of the relationship is without prejudice to any accrued rights, obligations and liabilities of either party.

Miscellaneous

This Agreement shall be governed and construed in accordance with the laws of the Republic of Kenya. Any court in Kenya having competent jurisdiction shall address any disputes arising out of this Agreement.
If any provision in this Agreement is found to be invalid or unenforceable by any court having competent jurisdiction or any other authority, such provision shall be severable and have no effect on the validity of the remaining provisions.
Failure to exercise and remedy or right in terms of this Agreement shall not be construed as a waiver thereof nor shall partial exercise of such right or remedy prevent the full exercise thereof.
Jilipe sasa may vary the Terms and Conditions of this Agreement including Transaction Fees through publishing on Jilipe sasa’s website, print media, branches / offices, pamphlets, other written communication or through any other means that Jilipe sasa may determine. Such amendments will come into force immediately upon such publication which will be construed as being notice to you. The amendments or variations made will be binding upon you.
Jilipe sasa may send all communication to you concerning your Account through “SMS” to your mobile number provided at account opening stage. You acknowledge that you have no claim against Jilipe sasa for any delays, damages, miscommunication, duplications, omissions or any other irregularities resulting from transmission of information to you concerning your Account.
You hereby irrevocably authorize Jilipe sasa to act on any of your request for transactions received through the system and to hold you liable for such instructions notwithstanding that such transactions are not requested by you or any party having a mandate to act on your behalf. Jilipe sasa holds the absolute discretion to action or cancel any request regardless of ambiguity, vagueness or incompleteness upon request from you and you warrant that you will have no recourse for remedy of same against Jilipe sasa.
Disputes will be resolved by Jilipe sasa through its standing customer service protocol. Jilipe sasa will liaise with concerned stakeholders being the client and Jilipe sasa to obtain all relevant information relating to any disputes and act as an impartial mediator to resolve all such disputes.
Pursuant to Clause 13.7 Jilipe sasa’s decision will be communicated to the customer and Jilipe sasa including detailed reasons for the decision.

Jilipe sasa Marketplace General Terms & Conditions

_{updated on 26th January 2024}

These Terms and Conditions apply to your access and use of Jilipe sasa Financial Wellness Services.

Agreement

This document sets out the terms and Conditions for Jilipe sasa Marketplace provided by Jilipe sasa Financial Wellness, which refers to our online service that lets you (the Customer) check information about Accounts, and tell us to perform transactions using those Accounts.
The operation of each of those Accounts including services on the Accounts is controlled by the terms and conditions defined below for operation of the Jilipe sasa Marketplace App and Accounts and services you access through the Jilipe sasa Marketplace.

Interpretation

In addition to the‘Meaning of Words’ at the end of this document, unless the context requires otherwise: the singular shall include the plural and vice versa;
A reference to any one gender, whether masculine, feminine or neuter, includes the other two.
All the headings and sub-headings in this Agreement are for convenience only and are not to be taken into account for the purposes of interpretation of this Agreement.
The recitals and schedules shall be deemed to form part of this Agreement.
There are words used in these Terms and Conditions that have special meanings, which can be found at the end of this document in the section ‘Meaning of Words’.

ACCEPTANCE OF TERMS AND CONDITIONS

Please read this document carefully. Your access, clicking on the check box confirming you have read the Privacy Policy and Terms and Conditions and use of Jilipe sasa Marketplace signifies your acceptance to be bound by these Terms and Conditions.
The information in this document is subject to change. We may amend or vary these Terms and Conditions and we will provide updated information by giving you notice (if required) via the Jilipe sasa Marketplace and or by posting the information on our website time and the continued use of the Services constitutes your agreement to be bound by the terms of any amendment or variation..
From time to time updates to the App may be issued. Depending on the update, you may not be able to use the Jilipe sasa Marketplace Services until you have downloaded latest version of the App and or accepted any new terms and conditions.
By using the Jilipe sasa Marketplace and available Services, you consent to us collecting and using technical information about your Equipment, software, hardware to improve our product and services we provide to you.
If you use credit Services, you consent to us and our affiliates’ and licensees’ transmission, collection, retention, maintenance, processing and use of your data to determine our credit score or to improve our Services we provide to you.The financial products and services set out in this document are provided to you by:

Jilipe sasa Financial Wellness Inc

Address:

Regulated by / or License #:

Jilipe sasa Marketplace Terms and Conditions.

Your use of the Jilipe sasa Marketplace is to be in accordance with these Terms and Conditions.
These Terms and Conditions are separate from and do not affect the Terms and Conditions applicable to any Pay, Save or Loan Account accessed by Jilipe sasa Marketplace digital interface platform and menu system
Features and benefits of the Jilipe sasa Marketplace We want to make all the details about your Jilipe sasa experience clear and easy to understand.

This document gives you the information you need to use the Jilipe sasa Marketplace in the right way, so you can get the best value and keep fees to a minimum.

You can use the Jilipe sasa Marketplace to access a range of financial services including:

Get a better picture of your financial wellness options	Jilipe sasa automatically qualifies you to access earned wages, Link your income to consolidate your earnings and access custom offers A single dashboard to track income, available to drawdown and total drawdowns for the cycle, and improve your financial wellbeing. See all Accounts Check available funds and Account balances View eligible account statements View account information

Fees and charges for Jilipe sasa Marketplace – Payments, Products and Services.

There are no establishment or ongoing fees for accessing the Jilipe sasa Marketplace.
All applicable fees and charges will be displayed on the Jilipe sasa Marketplace at the time of processing the transaction.
If any taxes and or third party charges are payable in connection with a payment, additional amount(s) equal to the applicable rate of tax and or third parties tariff will be displayed and charged to your account as per your instructions.

Getting started.

You, as the owner of a Jilipe sasa Marketplace service must register to establish a Jilipe sasa Marketplace service in your name.
You can register by downloading the Mobile application from via USSD OR WEB APP.
To sign in to Jilipe sasa Marketplace for the first time, you will need a valid Mobile Number and email address and to receive a one-time Jilipe sasa Protect SMS Code and complete registration.

First sign in.

When you sign into Jilipe sasa Marketplace for the first time you’ll be required to set up a Password. For your security, we recommend that you choose a Password for Jilipe sasa Marketplace that is unrelated to any of your other online passwords or PINs. Sections – Security and liability describe how you can protect your Access codes from unauthorised access.
Once you have signed into Jilipe sasa Marketplace for the first time you’ll also be required to:
1. Verify your identity by confirming your employer code, your employee code and mobile number
2. Set your Jilipe sasa PIN to be used for future transaction requests
3. Update your personal information to enable your access to the full functionality available on the Jilipe sasa Marketplace.
We will handle your personal information as set out in the Privacy Policy Statement https://yourJilipe sasa.io/data-privacy/
You must have satisfied identification requirements to enable Jilipe sasa to comply with Know Your Customer regulatory requirements and for you to access the full functionality available on the Jilipe sasa Marketplace.

Electronic equipment.

The Jilipe sasa Marketplace offers a mobile application based service for approved Mobile devices. For more information on supported operating systems for Mobile devices, please go to https://yourJilipe sasa.io/
It’s your responsibility to ensure any electronic equipment required to use the Jilipe sasa Marketplace is available to you, working properly, and that you know how to use it to access the Jilipe sasa Marketplace.
You must take all reasonable steps to protect the security of your electronic equipment, including ensuring that it doesn’t have any viruses or any form of program or mechanism capable of recording your Access codes.

Notifications on your Mobile device

We may send notifications to your registered Mobile device (for example, ‘push’ notifications or notifications based on the location of your Mobile device). In order for us to do this, you must have notifications enabled on your Mobile device.
You can enable or disable Mobile notifications on your Mobile device at any time by changing the settings on your Mobile device.
Anyone who has access to your Mobile device (including if you lend your Mobile device to someone else or your Mobile device is lost or stolen) will be able to see your notifications.
Some notifications are ‘actionable’. This means that when you receive a notification, you can select it in order to access more information or perform an instruction.
In some instances, notifications may not reach your Mobile device due to the requirements or limitations of your device. Communications network or system outages, or other factors beyond our control (such as your internet connection) may also delay or affect delivery and receipt of notifications. You may not be able to receive notifications if you have uninstalled your Mobile application on your device, or if your device has been deregistered.
We may without notice to you, temporarily suspend or terminate our notifications service for any reason.

Our authority.

You authorise us to allow any transaction or act on any instructions received on an Account for which the correct Access codes have been provided, including one-time Jilipe sasa Protect SMS Codes where appropriate.
You acknowledge that subject to the sections on liability below, you’ll be liable for any misuse of the Jilipe sasa Marketplace including transactions on the Accounts or any failure by you to observe these Terms and Conditions.

Anti-Money Laundering and Counter-Terrorism Financing Obligations.

Please be advised that in order for us to meet our regulatory and compliance obligations there are controls and monitoring we perform. You should be aware and you agree that:
1. transactions may be delayed, blocked, frozen (which may include isolating funds and moving them into a separate account) or refused where we have reasonable grounds to believe that they breach the applicable law or sanctions. Where transactions are delayed, blocked, frozen or refused, we and our payment intermediaries are not liable for any loss you suffer (including consequential loss) howsoever caused in connection with your use of Jilipe sasa Marketplace;
2. we may from time to time require additional information from you to assist us in the above compliance process; and you must provide that information; and
3. where legally obliged to do so, we will disclose the information gathered to regulatory and/or law enforcement agencies, other banks, service providers or to other third parties.
You provide us with the following undertakings and indemnify us against any potential losses arising from any breach by you of such undertakings:
1. you will not initiate, engage in or effect a transaction that may be in breach of applicable law or sanctions, and
2. the underlying activity for which Jilipe sasa Marketplace is being provided does not
Jilipe sasa Marketplace may be unavailable due to scheduled outages or due to factors beyond our control, such as your internet connection.
You may request for statements of your Account using the Jilipe sasa Marketplace platform.
The default statement will provide details of the account balance for the cycle transactions from your Account or a statement selected by date range up to a maximum of a 6 month period, with additional statement periods selected separately or such as may be determined by Jilipe sasa, data costs as per your provider apply.

Electronic communications for individual customers.

You may receive notices, documents and communications electronically for Accounts via Jilipe sasa Marketplace.
If you receive notices and communications we’ll send an email to your nominated email address or your registered mobile number (notification), advising that you have new documents available. It’s your responsibility to check your emails and messages regularly for these notifications and to access the documents promptly. You must also keep your nominated email address and mobile number current and let us know if you can’t access Jilipe sasa Marketplace for any reason.
You will be able to print or download the documents provided electronically through Jilipe sasa Marketplace for up to 6 months. Once the documents are no longer available through Jilipe sasa Marketplace, they will continue to be available to you (for up to 24 months from their creation) by contacting us.

Suspension and termination.

You agree that you will not use Jilipe sasa Marketplace to transmit any content, including via any payment methods (for example, text in payment descriptions), that in our opinion:
1. includes inappropriate, crude or insulting language;
2. is defamatory or otherwise unlawful; and/or
3. promotes or is, harassing, abusive, intimidating or threatening, including any threats of physical violence or mental harm, to any other person.
If, in our opinion, you do not comply with this clause we may refuse to process a payment and/or suspend or terminate your use of Jilipe sasa Marketplace in accordance with clause 3.17.3.
We may suspend or terminate your use of Jilipe sasa Marketplace without giving you notice where we reasonably believe your access should be suspended or terminated. This includes where we believe that there is a risk of fraud or security breach, you do not comply with clause 14.1 above or where you have not accessed Jilipe sasa Marketplace for a period of 6 months or more.
Jilipe sasa PIN
1. Jilipe sasa PIN is the key to authorizing transactions on your Accounts. They allow anybody using them to conduct operations on the Account. Because of this you must take special care to protect them.
2. You must ensure that your Jilipe sasa PIN is kept secure. The requirements for protecting your Jilipe sasa PIN is set out in clause 4 below.
3. You must not disclose your Jilipe sasa PIN to anyone, including us, in the course of using Jilipe sasa Platform.
4. If you enter your Jilipe sasa PIN incorrectly 3 consecutive times, your access to the Jilipe sasa Marketplace may be suspended and you won’t have access to the Jilipe sasa Marketplace digital interface platform and menu system. If this occurs, please call the Jilipe sasa Customer Centre to reactivate your Jilipe sasa Marketplace
Sign in using Passwords, Mobile passcodes and biometric information.
1. When you register for the Jilipe sasa Marketplace you’ll sign in using your mobile number and be provided with a Jilipe sasa Protect SMS Code to validate your mobile phone number.
2. You must then set a Password to allow you to access the Jilipe sasa Marketplace on each sign in.
3. It is very important that your Password remains secure. Ways to achieve this include choosing a Password that nobody could guess, not using one that includes your name, date of birth (or part thereof) or a combination of these, and not using the same password that is used for other services such as your email service.
4. If we suspect the security of your Password has been breached, you’ll be required to change it.
Jilipe sasa Protect SMS Code.
1. In order to make certain Jilipe sasa Marketplace transactions, including changes to your profile settings you’ll need to enter a Jilipe sasa Protect SMS Code
2. Jilipe sasa Protect SMS Codes are needed on:
  1. Customer Signup
  2. Forgot Password
  3. Forgot PIN
3. We will send the Jilipe sasa Protect SMS Code by SMS to your Mobile phone, and you’ll need to promptly enter that Access code in the App for the request to be processed.
4. We recommend you nominate a Mobile phone number used only by you. If the Mobile phone is also used by other people, they may receive, or be able to access your SMS Code messages. If you tell us your Mobile phone number is changing, we’ll send an SMS to your old number.
5. If you call our Customer Support centre to tell us about this change, we’ll send an SMS to both the old and new numbers.
6. We don’t charge you a fee for sending a SMS Code to your Mobile phone. However, your Mobile phone service provider may impose fees and charges, including fees and charges for sending and receiving SMS messages. The payment of any such fees and charges is the responsibility of the Mobile phone account holder. If you have any concerns regarding such fees and charges speak with your service provider.
Protecting your Access codes.
1. To protect your Access codes (Password and Jilipe sasa PIN) you must:
  1. try to memories them;
  2. destroy any documentation or communication we issue to you that contains an Access code;
  3. not write your Access codes including your Password or Jilipe sasa PIN on your computer, Mobile phone, Mobile device or Security device, even if disguised;
  4. not keep a record of your Access codes with or near your computer, Mobile phone, Mobile device;
  5. not tell anyone your Access codes, including family members, friends and our staff;
  6. not select as your Access code a number or word that can easily be associated with you, such as your date of birth, phone number, driver’s licence number, or part of your name; and
  7. make sure nobody watches you or hears you when you’re entering or using your Access codes at electronic equipment
2. If you make a record of your Access codes you must either take reasonable steps to prevent unauthorised access to the record or ensure it is reasonably disguised. We don’t consider it a reasonable attempt to disguise an Access code if you only:
  1. record it in reverse order;
  2. record it as a series of numbers with any of them marked to indicate the Access code;
  3. record the Access code as a phone number with the Access code in its correct sequence within the number;
  4. record the Access code as a telephone number where no other telephone numbers are recorded; or
  5. disguise the Access code as a date or as an amount.
3. There may be other forms of disguise which may be similarly unsuitable because of the ease of another person working out your Access code.
4. If you make a record of your Access code you must keep that record separate and well away from any electronic equipment or any other Access code you use to access Jilipe sasa Marketplace unless the Access code is reasonably disguised.
What you must do if you suspect an unauthorised transaction, or breach of security of Access codes.
1. If you suspect the security of any Access code has been breached, your Mobile device has been lost, stolen or misused, or the Mobile phone you use to receive Jilipe sasa Protect SMS Codes has been lost, stolen or misused, or an unauthorised transaction has occurred you must ensure:
  1. you call our Customer Support centre immediately (details are at the front of these Terms and Conditions);
  2. the Access code (excluding Customer number) is changed;
  3. the Mobile device is de-authorised for Mobile Banking;
  4. the Security device (excluding Customer number) is replaced; and
  5. you inform us that SMS Codes should no longer be sent to the Mobile phone number.
2. We’ll give you the notification number or some other form of acknowledgment which you should retain as evidence of the date and time of your report of a suspected breach.
3. If you can’t contact us by phone because our emergency telephone numbers are unavailable, you’ll not be responsible for any unauthorised use of Online Banking which could have been prevented if you were able to contact us by phone provided you tell us of the loss, theft or misuse of your Mobile phone or suspected breach of security of your Access code(s) within a reasonable time after our contact numbers become available again.
Liability for any losses resulting from unauthorised transactions made using Jilipe sasa Marketplace will be determined by us.
For the purposes of this clause 5, a reference to you or your means the Account holder of the Account from which an unauthorised transaction has occurred.
When you are not liable.
1. You’ll not be liable for losses resulting from unauthorised transactions made using Jilipe sasa Marketplace where it is clear that you have not contributed to the loss.
2. You’ll also not be liable for losses resulting from unauthorised transactions made using Jilipe sasa Marketplace that:
  1. are caused by the fraudulent or negligent conduct of our employees or agents or companies involved in networking arrangements, or merchants or their agents or employees;
  2. happen before you or a User receives or selects an Access code
  3. happen after we have been notified that your Mobile phone has been misused, lost or stolen or that the security of any Access code has been breached;
  4. relate to any component of an Access code or Identifier that is forged, faulty, expired, or cancelled; and
  5. are the result of the same transaction being incorrectly debited more than once to the same account.
    In the above situations we will credit the amount of the unauthorised transaction to the Account.
3. When you are liable.
  1. You’ll be liable for losses resulting from transactions which are carried out by you, or by another person with the knowledge and consent of you.
  2. You’ll be liable for actual losses resulting from unauthorised transactions made using Jilipe sasa Marketplace caused by you:
    1. engaging in fraud;
    2. voluntarily disclosing any of your Access codes to anyone, including a family member or friend;
    3. keeping a record of an Access code without making a reasonable attempt to disguise it or to prevent unauthorised access to it;
    4. writing your Access codes or a disguised record of your Access codes on your Mobile phone;
    5. selecting an Access code which represents your date of birth (or part thereof), or being an alphabetical code which is a recognisable part of your name; or
    6. acting with extreme carelessness in failing to protect the security of your Access codes.
  3. You’ll also be liable for actual losses resulting from unauthorised transactions made using Jilipe sasa Marketplace caused by the you unreasonably delaying notifying us of the misuse, loss or theft of a Mobile phone, or of Access code(s) becoming known to someone else.
  4. In these cases your liability will only extend to losses which occur between the time when you became aware (or should reasonably have become aware) of such misuse, loss or theft and when we were actually notified.
  5. However, you’ll not be liable to pay for:
    1. that portion of the losses incurred in a period which exceed any transaction limit for that period;
    2. losses occurring after we have been notified that the security of the Access code(s) has been breached.
  6. Your liability is subject to Jilipe sasa proving on the balance of probability that a User contributed to the losses in one or more of the ways listed above.
  7. In circumstances where it is unclear whether you contributed to the loss, you will only be liable for losses resulting from unauthorised transactions made using Jilipe sasa Marketplace to a limited extent. Your liability in such cases will be the least of:
    1. KES15,000.00;
    2. the balance of the Account on which the unauthorised transactions were made; or
    3. the actual loss incurred before we are notified of the misuse, loss or theft of a Access codes becoming known to someone else

General information

Regulations and Acts.

1. 1. The Digital Credit Providers Regulation 2021 and the Proceeds of Crime and Anti-Money Laundering Act, 2009 practices as updated, and adopted by us, from time to time sets out the standards of practice and service.
  2. The relevant provisions of these Regulations & Acts apply to the financial services referred to in this document. This means that we will comply with these Regulations & Acts, where it applies to the financial services provided to you.
  3. Changes to Terms and Conditions.
  4. We may change these Terms and Conditions at any time and we’ll notify you of changes As soon as reasonably possible (which may be before or after the change is made) or, if we believe the change is unfavorable to you, endeavor to provide at least 7 days’ notice before the change takes effect electronically via notifications in the Jilipe sasa Marketplace and or to your email address
  5. Advance notice may not be given where a change has to be made to restore or maintain the security of our systems or of individual accounts or facilities or where you cannot reasonably be located. This includes suspension or limiting your access to Jilipe sasa Marketplace or reducing your Payment Limits. We may also give you a shorter notice period (or no notice) of an unfavorable change if it is reasonable for us to manage a material and immediate risk.

Contacting you electronically.

1. 1. We may use notifications in the Jilipe sasa Marketplace or your email address to advise you of any enhancement or changes to Jilipe sasa Marketplace, including these Terms and Conditions or send you an email notification to tell you the changes are available for viewing within Jilipe sasa Marketplace or on a website.

Updating your contact details.

1. 1. Email address.
    1. You need to keep your email address current. You may update your email address in the edit profile section under my profile in Jilipe sasa Marketplace. If you don’t provide us with a correct email address, we may not provide you with access to Jilipe sasa Marketplace because you may not receive important information regarding Jilipe sasa Marketplace from us.
  2. Mobile phone number.
    1. We may use your Mobile phone number to send you Jilipe sasa Protect SMS Code(s) via SMS and any information relevant to this service.
    2. If you contact our Customer Support Centre, you’ll be notified of any changes to our records of your Mobile phone number via a Jilipe sasa Protect SMS code to both your old and new Mobile phone numbers. If you don’t provide us with your correct Mobile phone number, you may not be notified of important information relevant to the use of Jilipe sasa Protect SMS Codes and Access Codes.
    3. You need to keep your Mobile phone number current. If you update or no longer use your Mobile phone number, you must contact us and you may need to re-register for some of the services we provide

Feedback and Complaints.

1. 1. Delivering on our service promise.
    1. We’re constantly striving to provide the best possible service, and we’ll do our best to resolve any concern you have efficiently and fairly.
  2. Our commitment to you.
    1. If you’re ever unhappy about something we’ve done – or perhaps not done – please give us the opportunity to put things right.
    2. Our aim is to resolve your complaint within 30 days of you reporting your complaint via the established complaints channel, and where possible we will resolve your complaint on the spot.
    3. If we need additional time to get back to you, we will let you know. Should we be unable to resolve your concern at your first point of contact, we will then refer the compliant to our Customer Support team.
    4. Our Customer Support team are here to find a solution for you and will ensure that you’re regularly updated about the progress we are making to resolve your complaint.
  3. You can contact us:
    1. Over the phone
      1. Please call us on +254722331551
      2. Online
      3. On the Jilipe sasa Marketplace via Help & Support, Let’s Chat or Send an Email
      4. Or
      5. Email us at support@Jilipesasa.com For further information go to our website and search ‘Feedback and Complaints’.
    2. Meaning of wordsAccess codes means any one or more of your Password, Jilipe sasa PIN and any other code we provide to you (or permit you to choose) from time to time, that enables you to gain access to or use Jilipe sasa Marketplace and which you are required to keep secret.

Account means any one or more of your Jilipe sasa accounts from which you can access Jilipe sasa Marketplace services

Account holder means the person(s) in whose name an account is conducted and who is responsible for all transactions on the account.

Available balance means the total balance in your account

Business Day Business Day means a day other than a Saturday, Sunday or national or public holiday in the Republic of Kenya.

Customer number or Customer ID is the 10 digit number you’re given by us when you complete your identity verification in order to identify you.

Daily Payment Limit means the maximum amount you can pay per day across all accounts accessible through Jilipe sasa Marketplace.

Feature means an activity or task that can completed through Jilipe sasa Marketplace.

Help Centre means the information contained under the Help & Support links found on the main menu in Jilipe sasa Marketplace.

Jilipe sasa Marketplace means an internet service designed for our customers to access certain services through a Mobile device.

Mobile device means a mobile phone that is able to access Jilipe sasa Marketplace, or another type of personal electronic device as described in the Help centre that is able to access specific Jilipe sasa Marketplace services. Details of supported operating systems are available at yourJilipe sasa.io
Your Mobile device may also be the Mobile phone you receive Jilipe sasa Protect SMS Codes.

Mobile phone means, the device with the number that is registered to receive Jilipe sasa Protect SMS Codes by SMS.

Password means a confidential alphanumeric containing 6 characters. When used with your mobile number it gives access to Jilipe sasa Marketplace.

Payment. MPESA Mobile Payment to a safaricom mobile phone number

Privacy Policy has the meaning given in Part 4, section 7 (Privacy Statement).

Profile means an Jilipe sasa Marketplace service that can be accessed by an User when then sign into Jilipe sasa Marketplace.

SMS means the telecommunications ‘short message service’ technology which may allow text messages to be sent to your Mobile phone.

We, us or our means Jilipe sasa Financial Wellness Inc

You and your means the individual that holds the Jilipe sasa Marketplace service in their name

GOVERNING LAW
This Agreement shall be governed by and construed in accordance with the laws of Kenya.

Supported Devices & Operating Systems

The Jilipe sasa Marketplace offers a mobile application-based service for approved Mobile devices. For more information on supported operating systems for Mobile devices, please go to https://yourJilipesasa.com

App Available for / from

WEB APP.
USSD CODE (*221#)

Data Protection & Privacy Clause

Overview: Sipranda Capital Limited is committed to protecting the privacy and security of your personal information. This Data Protection and Privacy Clause outlines how we collect, use, disclose, and safeguard your data in connection with the use of our digital lending services.
Information We Collect: We may collect various types of personal information, including but not limited to:
1. Contact details (name, address, email, phone number).
2. Financial information (income, credit history, banking details).
3. Identification information (government-issued IDs, social security number).
Purpose of Data Processing: Your personal information is collected and processed for the following purposes:

Assessing and processing loan applications.
Verifying your identity and creditworthiness.
Managing and servicing your loan account.
Complying with legal and regulatory requirements.
Data Sharing: We may share your personal information with third parties, including but not limited to:
Credit bureaus for credit checks.
Financial institutions for loan processing.
Regulatory authorities as required by law.
Promotional and Marketing Messages: By using our digital lending services, you consent to receive promotional and marketing messages from Sipranda Capital Limited. These messages may include but are not limited to information about our products, services, promotions, and updates. You have the right to opt-out of receiving such messages at any time by following the instructions provided in the communication.
Security Measures: Sipranda Capital Limited employs industry-standard security measures to protect your personal information from unauthorized access, disclosure, alteration, and destruction. These measures include encryption, access controls, and regular security assessments.
Data Retention: We retain your personal information only for as long as necessary for the purposes outlined in this clause or as required by applicable laws. After this period, your data will be securely deleted or anonymized.
Your Rights: You have the right to:
Access, correct, or delete your personal information.
Object to the processing of your data.
Withdraw consent for processing (where applicable).
Updates to Privacy Policy: Sipranda Capital Limited reserves the right to update this Data Protection and Privacy Clause. Any changes will be communicated to you through the appropriate channels, and your continued use of our services implies acceptance of the revised terms.
Contact Information: If you have any questions or concerns regarding the processing of your personal information, please contact us at [your contact email or phone number].

By using our digital lending services, you acknowledge that you have read, understood, and agreed to the terms of this Data Protection and Privacy Clause.

Regulations and Acts.

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