Terms of Service
Last Updated: July 18, 2026
1. Introduction
Welcome to Inua Jamii Credit. These Terms of Service ("Terms") govern your use of our platform, application forms, and services in Kenya. By accessing or using our service, you agree to comply with and be bound by these Terms.
2. Eligibility for Micro & Small Business Loans
To apply for a loan with Inua Jamii Credit, you must be a resident of Kenya, operate a lawful micro, small, or medium enterprise (MSME), and hold a valid National ID and active M-Pesa registered phone number. We verify all applications against official registration systems in Kenya.
3. Savings Account Deposit
Every loan package requires a savings deposit paid directly into your savings account. This payment is made via M-Pesa, processed securely through our payment partner, Grover Commerce, before your application is submitted for verification. Your savings deposit remains in your account and becomes fully withdrawable after you have repaid your loan in full.
4. Electronic Communications and Consent
By providing your phone number, you consent to receive transactional and operational SMS, STK Push payment prompts, and WhatsApp messages regarding your application status, approval steps, and repayment reminders.
5. Limitation of Liability
Inua Jamii Credit does not guarantee that your application will be approved, or that the system will be entirely free from delays. We operate on a best-effort, same-day verification standard. Under no circumstances will Inua Jamii Credit be liable for any indirect, consequential, or special damages arising out of your loan application process.
6. Governing Law
These Terms are governed by and construed in accordance with the laws of the Republic of Kenya. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the competent courts in Kenya.