Terms of Use

Welcome to Finjira!

These Terms of Use ("Terms") govern your access to and use of the Finjira mobile application ("App"), owned and operated by Finjira ("we," "us," or "our").

1. ACCEPTANCE OF TERMS

By creating an account and using Finjira, you:

• Confirm you are at least 18 years old or have parental/guardian consent
• Agree to comply with these Terms and our Privacy Policy
• Acknowledge that these Terms constitute a legally binding agreement
• Accept updates to these Terms as they are published

2. DESCRIPTION OF SERVICE

2.1 What Finjira Does

Finjira is a mobile expense tracking application designed for Kenyan users who use MPESA for financial transactions. The App:

• Reads SMS messages from MPESA (with your permission)
• Automatically parses MPESA transaction data
• Allows you to categorize and track your expenses and income
• Generates spending reports and visualizations
• Works offline and syncs data when connected to the internet

2.2 What Finjira Does NOT Do

Finjira does NOT:

• Execute MPESA transactions or send money on your behalf
• Access your MPESA PIN, password, or account credentials
• Provide financial advice, tax advice, or accounting services
• Act as a bank, financial institution, or payment processor
• Guarantee the accuracy of financial data

3. ELIGIBILITY

3.1 Age Requirements

You must be at least 18 years of age to use Finjira. If you are under 18, you may only use the App with the involvement and consent of a parent or legal guardian who agrees to be bound by these Terms.

3.2 Geographic Restrictions

Finjira is designed primarily for users in Kenya who use MPESA. While the App may be accessible in other countries, its primary functionality depends on MPESA SMS messages.

4. ACCOUNT REGISTRATION AND SECURITY

4.1 Creating an Account

To use Finjira, you must create an account by providing:

• A valid email address
• A secure password
• Acceptance of these Terms and our Privacy Policy

4.2 Account Security

You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized use of your account
• Ensuring your contact information remains current and accurate

4.3 Account Termination

We reserve the right to suspend or terminate your account if:

• You violate these Terms
• You provide false or misleading information
• Your account is inactive for an extended period
• We are required to do so by law or regulatory authority

5. SMS AND MPESA TRANSACTION ACCESS

5.1 Permission Grant

By using Finjira, you grant the App permission to:

• Read SMS messages from your device
• Identify and parse MPESA transaction messages
• Store transaction data extracted from SMS messages
• Display transaction information within the App

5.2 Scope of SMS Reading

5.3 Data Processing

MPESA transaction data extracted from SMS includes:

• Transaction type (send money, receive money, till payment, paybill, etc.)
• Transaction amount
• Recipient/sender name or business name
• Transaction code
• Date and time of transaction
• Account balance (if included in SMS)

5.4 User Control

You maintain full control over:

• Granting or revoking SMS reading permissions at any time through device settings
• Which transactions to categorize and track
• Deleting any transaction records from the App
• Reviewing pending MPESA transactions before processing

6. USER RESPONSIBILITIES AND CONDUCT

6.1 Lawful Use

You agree to use Finjira only for lawful purposes and in compliance with:

• These Terms
• All applicable Kenyan laws and regulations
• The Kenya Information and Communications Act
• Data Protection Act, 2019
• Central Bank of Kenya regulations

6.2 Prohibited Activities

You agree NOT to:

• Use the App for any illegal or fraudulent purposes
• Attempt to gain unauthorized access to our systems or other users' accounts
• Reverse engineer, decompile, or disassemble the App
• Use the App to violate any third-party rights
• Transmit viruses, malware, or harmful code
• Use automated systems (bots, scrapers) to access the App
• Impersonate any person or entity
• Interfere with or disrupt the App's operation
• Use the App to collect or harvest information about other users

6.3 Data Accuracy

While Finjira automatically extracts transaction data from MPESA SMS messages, you are responsible for:

• Verifying the accuracy of categorized transactions
• Correcting any errors in transaction records
• Understanding that the App provides tools for tracking but does not guarantee financial accuracy

7. MPESA AND SAFARICOM

7.1 Third-Party Service

7.2 No Transaction Execution

Finjira does NOT:

• Execute or facilitate MPESA transactions
• Have access to your MPESA PIN or account credentials
• Provide MPESA services or account management
• Act as a financial institution or payment service provider

7.3 MPESA Terms

Your use of MPESA services is governed by Safaricom's terms and conditions. Any issues with MPESA transactions, account access, or service availability should be directed to Safaricom.

8. INTELLECTUAL PROPERTY RIGHTS

8.1 Ownership

All rights, title, and interest in and to the App, including all software, text, graphics, user interfaces, visual interfaces, photographs, trademarks, logos, sounds, music, artwork, and computer code (collectively, "Content"), are owned by Finjira or our licensors.

8.2 Limited License

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to download and use the App on your personal mobile device for personal, non-commercial use.

8.3 Restrictions

You may not:

• Copy, modify, distribute, sell, or lease any part of the App
• Create derivative works based on the App
• Use the Finjira name, logo, or trademarks without written permission
• Remove or alter any copyright, trademark, or proprietary notices

9. DISCLAIMERS AND LIMITATIONS OF LIABILITY

9.1 "AS IS" Service

THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

9.2 Financial Decisions

9.3 Data Accuracy

While we strive for accuracy in parsing MPESA transactions, we do not guarantee:

• 100% accuracy of extracted transaction data
• Complete capture of all MPESA transactions
• Real-time synchronization with MPESA services
• Error-free categorization of transactions

9.4 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY KENYAN LAW, OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM YOUR USE OF THE APP SHALL NOT EXCEED THE AMOUNT YOU PAID TO US IN THE 12 MONTHS PRECEDING THE CLAIM, OR KES 1,000, WHICHEVER IS GREATER.

10. MODIFICATIONS TO THE APP AND TERMS

10.1 App Updates

We reserve the right to modify, suspend, or discontinue any aspect of the App at any time with or without notice.

10.2 Terms Updates

We may modify these Terms at any time. When we make material changes:

• We will update the "Last Updated" date
• We will notify you through the App or by email
• Continued use after notification constitutes acceptance

11. DISPUTE RESOLUTION

11.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Republic of Kenya.

11.2 Informal Resolution

Before initiating any formal legal proceedings, contact us at legal@finjira.com to attempt informal resolution.

11.3 Arbitration

If informal resolution fails, disputes shall be resolved through binding arbitration administered by the Nairobi Centre for International Arbitration (NCIA).

12. CONTACT INFORMATION

If you have any questions about these Terms, please contact us:

• Email: hello@finjira.com
• Support: support@finjira.com
• Data Protection Officer: privacy@finjira.com

13. ACKNOWLEDGMENT

Version 1.0
Effective Date: February 2, 2026
© 2026 Finjira. All rights reserved.