Financial Services and Regulatory Disclaimer

FelbaCare provides group management, record-keeping, communication, contribution-tracking, approval, and reconciliation tools. SACCO-style features do not make a group a licensed SACCO. SACCO-style labels or workflows do not make FelbaCare or any group a bank, insurer, trustee, escrow provider, investment adviser, fund manager, deposit-taker, or payment service provider.
Groups must not use FelbaCare to conduct regulated SACCO, deposit-taking, money-transfer, lending, insurance, investment, custody, escrow, securities, collective investment, international remittance, or financial advisory activity unless they have all required registrations, licences, approvals, disclosures, contracts, and controls.
FelbaCare may restrict features, request evidence of registration or licensing, require legal review, or suspend workflows where regulated activity is suspected.
A legal-review gate is required before enabling central collection accounts, pooled funds, wallet withdrawal, peer-to-peer transfer, interest-bearing savings, automated claim rejection, credit scoring, biometric verification, national ID processing, children's financial accounts, cross-border transfers, or AI model training on private user data.