Terms of Service.

ClamPay is a technology-enabled savings and asset acquisition platform designed to help individuals save progressively toward products, assets, and property purchases through our Pay First, Buy Later model. Our mission is to promote responsible financial behavior by enabling users to acquire assets through structured savings rather than debt-based financing.

To use ClamPay, you must:

• Be at least 18 years old or the age of majority in your jurisdiction;
• Have the legal capacity to enter into binding agreements;
• Provide accurate and truthful information during registration;
• Comply with all applicable laws and regulations.

ClamPay reserves the right to refuse or terminate access to any user who fails to meet these requirements.

To access certain Services, you may be required to create an account. You agree to:

• Provide accurate, current, and complete information;
• Maintain the security of your account credentials;
• Notify ClamPay immediately of any unauthorized access or security breach;
• Accept responsibility for all activities occurring under your account.

ClamPay is not liable for losses resulting from unauthorized access caused by your failure to protect your account credentials.

ClamPay provides users with tools and services that may include:

• Goal-based savings plans;
• Product and asset acquisition planning;
• Vendor marketplace services;
• Savings group and community participation tools;
• Payment tracking and management tools;
• Financial planning support features.

The availability of specific services may vary by region, user eligibility, or platform development stage.

ClamPay operates on a Pay First, Buy Later model, whereby users contribute savings toward predetermined goals before acquiring products, assets, or services. ClamPay does not guarantee:

• Immediate access to products or services;
• Approval for any future transactions;
• Availability of specific vendors or products;
• Investment returns or financial gains.

Users are responsible for understanding the terms applicable to their chosen savings plans and asset acquisition arrangements.

By using ClamPay, you agree that you will not:

• Provide false or misleading information;
• Use the platform for unlawful purposes;
• Attempt to gain unauthorized access to systems or accounts;
• Interfere with platform operations or security;
• Engage in fraudulent activity;
• Misrepresent your identity or authority;
• Use automated systems to access the platform without authorization.

Violations may result in account suspension or termination.

Users acknowledge that:

• Certain transactions may involve third-party payment providers;
• Payment processing times may vary;
• Transaction records should be reviewed regularly;
• Fees, where applicable, will be disclosed before transactions are completed.

ClamPay is not responsible for delays, failures, or errors caused by third-party financial institutions or payment processors.

ClamPay may facilitate interactions between users and independent vendors. Users understand that:

• Vendors operate independently;
• Product availability, pricing, warranties, and delivery terms may vary;
• ClamPay does not manufacture, own, or guarantee vendor products unless expressly stated.

Any disputes relating to products or services may require direct engagement with the relevant vendor.

All content, trademarks, logos, designs, software, text, graphics, and other materials associated with ClamPay remain the property of ClamPay or its licensors. You may not:

• Copy;
• Reproduce;
• Modify;
• Distribute;
• Sell;
• Reverse engineer; or
• Exploit any part of the Services without prior written permission.

Your use of ClamPay is also governed by our Privacy Policy. By using our Services, you consent to the collection, use, and processing of information as described in our Privacy Policy.

ClamPay strives to maintain reliable services but does not guarantee uninterrupted access. We reserve the right to:

• Modify features;
• Suspend services;
• Conduct maintenance;
• Update functionality;
• Restrict access where necessary.

We are not liable for service interruptions, technical failures, or downtime.

To the maximum extent permitted by applicable law, ClamPay, its founders, employees, partners, and affiliates shall not be liable for:

• Indirect damages;
• Incidental damages;
• Consequential damages;
• Loss of profits;
• Loss of data;
• Business interruption;
• Financial losses resulting from user decisions.

Users acknowledge that they use the Services at their own risk.

You agree to indemnify and hold harmless ClamPay, its officers, employees, directors, and affiliates from any claims, damages, liabilities, costs, or expenses arising from:

• Your use of the Services;
• Your violation of these Terms;
• Your violation of applicable laws;
• Your infringement of third-party rights.

ClamPay reserves the right to suspend or terminate accounts at its sole discretion where users:

• Violate these Terms;
• Engage in fraudulent conduct;
• Create security risks;
• Misuse the platform.

Termination does not affect obligations incurred prior to termination.

We may update these Terms periodically. When changes occur, we will update the Last Updated date on this page. Continued use of ClamPay following such changes constitutes acceptance of the revised Terms.

These Terms shall be governed by and construed in accordance with the laws of the Republic of Kenya, without regard to conflict of law principles. Any disputes arising under these Terms shall be subject to the jurisdiction of the courts of Kenya.

If you have questions regarding these Terms of Service, please contact us: