<h2>1. Introduction</h2>
<p>These Terms and Conditions govern your use of mpesa.co.ke. By accessing, browsing, or using any guides, calculators, charges, or other resources on this website, you agree to these terms, our privacy policy, and all applicable laws of Kenya.</p>

<h2>2. Scope of Services</h2>
<p><strong>mpesa.co.ke offers:</strong></p>
<ul>
<li>Step-by-step guides for M-PESA use</li>
<li>Charges and fee breakdowns for common M-PESA transactions</li>
<li>Calculators for estimating transaction costs and limits</li>
<li>Resources and informational articles about mobile money in Kenya</li>
</ul>
<p><strong>mpesa.co.ke does NOT:</strong></p>
<ul>
<li>Process M-PESA transactions or payments</li>
<li>Act on behalf of, or represent, Safaricom, Airtel, T-Kash, or any mobile money provider</li>
<li>Guarantee the accuracy, completeness, or currency of third-party data, including charges or fees</li>
</ul>

<h2>3. User Responsibility and Verification</h2>
<ul>
<li><strong>Transaction Verification:</strong><span>&nbsp;</span>Prior to completing any transaction based on website information (including calculated fees or guides), you must verify all recipient details, amounts, and account information directly via official channels (M-PESA app, agent, or Safaricom). The information on mpesa.co.ke is for reference only.</li>
<li><strong>No Liability for Wrong Transactions:</strong><span>&nbsp;</span>mpesa.co.ke will not be held responsible for any loss, damage, or personal harm arising from incorrect, incomplete, or unverified transactions. If you process a transaction using data from this site, you accept full liability and risk.</li>
<li><strong>Disclaimer:</strong><span>&nbsp;</span>All fees, limits, guides, and resources are provided for informational purposes. Official rates and procedures may change without notice. Always confirm charges and policies from Safaricom or your mobile money provider.</li>
</ul>

<h2>4. Legal Notice</h2>
<p>In accordance with international and Kenyan laws on financial services and online consumer protection:</p>
<h3>a. Accuracy, Trustworthiness, and Authority</h3>
<ul>
<li>All guides and resources are created to maintain high levels of accuracy, trust, and authority on M-PESA topics.</li>
<li>Where possible, we reference official Safaricom documents and regulatory sources; however, you are responsible for verifying with primary sources.</li>
</ul>
<h3>b. Limitation of Liability</h3>
<ul>
<li>mpesa.co.ke, its owners, contributors, and partners disclaim all liability for losses resulting from error, omission, delay, interruption, data breach, or reliance on this site&rsquo;s information.</li>
</ul>
<h3>c. No Financial Advice</h3>
<ul>
<li>The website does not offer financial or legal advice. All calculators, articles, and guides are for informational use and should not be relied upon for critical financial decisions.</li>
</ul>
<h3>d. Regulatory and Data Protection Compliance</h3>
<ul>
<li>mpesa.co.ke processes any user data in compliance with the Kenya Data Protection Act and will not share, sell, or misuse personal information.</li>
<li>If any personal data is collected (for example, contact forms or comments), users are informed of their rights, the purpose of data collection, how it may be used, and their options to opt out.</li>
</ul>
<h3>e. Eligibility and Site Access</h3>
<ul>
<li>Services are intended for users aged 18 or older and resident in Kenya.</li>
<li>Users agree not to use the site for unlawful, misleading, or fraudulent purposes.</li>
<li>mpesa.co.ke reserves the right to suspend or deny access at its sole discretion.</li>
</ul>

<h2>5. Information and Fee Data</h2>
<ul>
<li>All M-PESA fees and charges displayed on mpesa.co.ke are sourced from publicly available, official sources. Charges may vary depending on the transaction type, recipient&rsquo;s registration status, and current policies (including periodic adjustments by Safaricom).</li>
<li>The calculators provided offer estimates only. Actual fees may differ, and the website disclaims responsibility for financial differences.</li>
</ul>

<h2>6. Third-Party Links and Resources</h2>
<ul>
<li>mpesa.co.ke may provide links to Safaricom, Airtel, T-Kash, the Central Bank of Kenya, and other official resources for further verification and support.</li>
<li>Third-party links are for user convenience; mpesa.co.ke is not responsible for their content, security, or privacy practices.</li>
</ul>

<h2>7. Updates and Amendments</h2>
<ul>
<li>mpesa.co.ke reserves the right to amend these Terms and Conditions at any time. Updates will be posted to this page and effective immediately.</li>
</ul>

<h2>8. Governing Law</h2>
<ul>
<li>These Terms are governed by the laws of Kenya. Any disputes shall be resolved through the courts of Kenya, unless subject to arbitration as required by law.</li>
</ul>

<h2>9. Contact and Support</h2>
<ul>
<li>For questions about these terms, privacy, or reporting errors in guides or calculators, contact us via the website&rsquo;s contact page or email provided.</li>
</ul>

<h2>10. Summary Table: User Responsibilities and mpesa.co.ke Liability</h2>
<table>
<thead>
<tr>
<th>Area</th>
<th>User Responsibility</th>
<th>mpesa.co.ke Liability</th>
</tr>
</thead>
<tbody>
<tr>
<td>Transaction Verification</td>
<td>Must verify recipient and details before payment</td>
<td>None (Informational only)</td>
</tr>
<tr>
<td>Fee Calculation</td>
<td>Verify final fee with official provider</td>
<td>None (Estimated only)</td>
</tr>
<tr>
<td>Data Protection</td>
<td>Provide data only if informed of use/purpose</td>
<td>Protect user data per law</td>
</tr>
<tr>
<td>Errors and Omissions</td>
<td>Notify mpesa.co.ke via contact page</td>
<td>Will update but not liable</td>
</tr>
<tr>
<td>Use of Guides/Calculators</td>
<td>Reference only; do not act without verification</td>
<td>None (Reference only)</td>
</tr>
</tbody>
</table>
<hr>
<p><strong>By using mpesa.co.ke, you acknowledge and accept these Terms and Conditions.</strong></p>
<hr>
<p><strong>Disclaimer:</strong><span>&nbsp;</span>mpesa.co.ke is not Safaricom, does not process payments, and all content is subject to verification. Users bear full responsibility for their financial security and are urged to confirm all transaction details and charges with official sources.</p>

These Terms cover all required provisions, addressing legal, financial, privacy, and regulatory concerns.