Terms and Conditions

# Terms and Conditions – KaamilPay

Effective Date: Feb13, 2026

Welcome to KaamilPay. By using our services, you agree to comply with the following Terms and Conditions.

## 1. About Our Services

KaamilPay operates as a mobile money agent and digital services store providing services including:

* M-Pesa cash-in and cash-out services

* Airtime sales

* Internet and data bundle sales

* Customer transaction assistance services

## 2. Customer Responsibilities

Customers agree to:

* Provide accurate transaction information

* Verify phone numbers and transaction details before confirming transactions

* Keep personal account credentials and PINs secure

* Comply with applicable laws and regulations

KaamilPay is not responsible for losses resulting from incorrect information provided by customers.

## 3. Transaction Rules

* All completed transactions may be considered final unless reversed by the service provider according to their policies.

* Customers are responsible for reviewing transaction details before confirmation.

* Transaction limits and verification requirements may apply depending on provider or regulatory requirements.

## 4. Service Availability

KaamilPay aims to provide continuous service availability; however, services may occasionally be interrupted due to:

* System maintenance

* Network downtime

* Service provider interruptions

* Regulatory or operational reasons

## 5. Prohibited Activities

Customers may not use KaamilPay services for:

* Fraudulent activities

* Illegal transactions

* Unauthorized account usage

* Activities violating applicable laws or provider policies

KaamilPay reserves the right to refuse service where suspicious or unauthorized activity is detected.

## 6. Limitation of Liability

KaamilPay shall not be liable for:

* Delays caused by third-party service providers

* Network or system failures outside our control

* Customer errors during transaction processing

* Losses resulting from unauthorized access caused by customer negligence

## 7. Privacy

Customer information is handled according to the KaamilPay Privacy Policy.

## 8. Changes to Terms

KaamilPay may update these Terms and Conditions at any time. Continued use of the services constitutes acceptance of updated terms.

## 9. Contact Information

KaamilPay

Email: info@kaamilpay.com

Phone: +254143014871

By using KaamilPay services, you acknowledge and agree to these Terms and Conditions.