Terms of Service

Welcome to KitBank Financial Services Limited ('KitBank', 'we', 'us', 'our'). These Terms of Service ('Terms') constitute a legally binding agreement between you ('you', 'user', 'customer') and KitBank governing your use of our digital banking platform, mobile applications, agent network, and all related products and services.

By accessing or using any KitBank service, you confirm that you have read, understood, and agree to be bound by these Terms, our Privacy Policy, and any additional terms specific to certain products.

You accept these Terms by: (a) creating a KitBank account; (b) using any KitBank service; (c) completing a transaction through a KitBank agent; or (d) continuing to use the platform after we post changes to these Terms. Privacy Policyyou agree to these terms.

• Be at least 18 years of age or the age of majority in Kenya.
• Have legal capacity to enter into binding contracts.
• Provide accurate, complete, and current registration information.
• Not be on any sanctions list or restricted from using financial services.

You are responsible for maintaining the confidentiality of your account credentials, including your username, password, PIN, and biometric data. You must notify us immediately of any unauthorized account access.

KitBank reserves the right to verify your identity at any time and to suspend or close accounts that fail verification checks, violate terms, or pose security risks.

KitBank provides a range of financial services including but not limited to: digital banking accounts, money transfers, payments, mobile money integration, debit and credit cards, loans, savings products, insurance brokerage, crypto-asset trading, wealth management, and agent banking services.

Services may vary by region and are subject to regulatory approval. Certain services may be provided by third-party partners under separate terms.

KitBank charges fees for certain services as detailed in our Fee Schedule, which is available on our website and may be updated from time to time. We will notify you of fee changes at least 30 days in advance.

All transactions are subject to verification, funds availability, and applicable limits. KitBank reserves the right to decline, reverse, or hold transactions that appear suspicious or violate our policies.

You are responsible for ensuring transaction details are accurate. Once submitted, certain transactions cannot be reversed. International transactions may be subject to exchange rate fluctuations and additional fees.

Credit and insurance products are subject to separate agreements, credit approval, underwriting, and eligibility criteria. Terms including interest rates, repayment schedules, and coverage details will be provided at the time of application.

KitBank agents are authorized representatives who facilitate transactions on our behalf. Transactions through agents are subject to the same terms as digital transactions. Agent availability, limits, and fees may vary by location.

Crypto-asset services involve significant risk including market volatility and potential loss of value. KitBank does not provide investment advice. You are solely responsible for your crypto transactions and should understand the risks before trading.

All content, software, trademarks, and intellectual property on the KitBank platform are owned by KitBank or our licensors. You may not reproduce, distribute, modify, or create derivative works without our express written consent.

You agree not to use KitBank services for:

• Any illegal activity, fraud, or financial crime.
• Transacting with sanctioned individuals or entities.
• Circumventing transaction limits, KYC requirements, or security controls.
• Harassing, threatening, or harming other users or KitBank staff.
• Any activity that could damage KitBank's reputation, systems, or operations.

KitBank may suspend or terminate your access to services at any time for violation of these Terms, suspicious activity, legal requirement, or for any other reason with notice where practicable.

KitBank services are provided 'as is' and 'as available'. To the maximum extent permitted by law, KitBank disclaims all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement.

KitBank shall not be liable for indirect, incidental, special, or consequential damages arising from your use of our services. Our total liability is limited to the amount of fees paid by you in the 12 months preceding the claim.

Nothing in these Terms excludes or limits liability for death, personal injury, fraud, gross negligence, or willful misconduct.

You agree to indemnify and hold KitBank harmless from any claims, losses, damages, or expenses arising from your violation of these Terms, misuse of services, or violation of any law.

Any disputes arising from these Terms shall first be attempted to be resolved through our customer support team. Unresolved disputes may be referred to arbitration in accordance with the Nairobi Centre for International Arbitration Rules. [email protected] Nothing limits your right to file a complaint with the Central Bank of Kenya or relevant regulatory authority.

These Terms are governed by the laws of the Republic of Kenya. The courts of Kenya shall have exclusive jurisdiction over any disputes not resolved through arbitration.

KitBank may modify these Terms at any time. Material changes will be communicated through our platform, SMS, email, or agent network. Continued use after changes constitutes acceptance.

For questions about these Terms or your account: