Terms and Conditions

Version 2026-07-19.1. Operator details: [FelbaCare operating legal entity, registration number, registered address, Tax PIN, ODPC registration status, support contact, and legal contact to be inserted after advocate review].
Publication-ready use requires review and approval by a qualified Kenyan advocate. These policies are a compliance-engineering draft and do not replace a formal legal opinion.
Users accept these Terms through account registration, required checkbox acceptance, group creation, group joining, invitation acceptance, subscription checkout, payment submission, or continued use after properly notified non-material updates. Material financial, privacy, officer, subscription, or payment changes require clear notice and renewed acceptance where required by law.
FelbaCare is a software-as-a-service platform for welfare groups, chamas, merry-go-rounds, savings groups, SACCO-style administration, organizations, billing, audit records, reports, and member communication.
FelbaCare is not a bank, insurer, trustee, SACCO regulator, or legal adviser.
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.
FelbaCare's risk engine, matching logic, and AI Advisor provide decision support only. Final legal, financial, claim, loan, payout, allocation, reversal, refund, and licensing decisions must be made by authorized humans under approved group rules and applicable law.
Groups remain responsible for their constitutions, lawful purpose, membership decisions, contribution rules, claim rules, payout rules, officer appointments, dispute forums, tax treatment, regulatory status, and member communications.
Group officers must act within authority, keep accurate records, protect member data, disclose conflicts, use maker-checker controls, preserve evidence, avoid ledger manipulation, avoid unauthorized withdrawals, keep payment-account details current, and respond to disputes.
Users must not create fake groups, misrepresent payment status, reuse receipts, submit forged evidence, manipulate votes, harass others, upload illegal or infringing material, scrape data, bypass access controls, abuse APIs, reverse engineer protected systems, or use FelbaCare for money laundering, terrorism financing, Ponzi schemes, pyramid schemes, illegal fundraising, investment fraud, unlicensed lending, deposit-taking, insurance, remittance, custody, or regulated SACCO activity.
A screenshot, SMS, receipt code, bank reference, or user declaration is not conclusive proof of payment by itself. Contributions may be marked declared, pending review, manually confirmed, provider verified, reconciled, allocated, reversed, refunded, rejected, duplicate, or unmatched depending on the evidence available.
FelbaCare may restrict accounts, suspend privileges, preserve audit evidence, require additional verification, block suspicious activity, refer matters to group leadership, cooperate with payment providers, or report to competent authorities where lawful and proportionate.
Platform subscription checkout must disclose the selected plan, included features, exclusions, price, currency, taxes where configured, billing period, trial conversion, renewal date, payment provider, refund limits, cancellation method, and linked terms before payment. Marketing consent must remain optional and separate.
FelbaCare does not own user content. Users grant FelbaCare only the limited rights needed to host, process, secure, audit, moderate, display, export, and provide the service.
Refunds, reversals, chargebacks, duplicate payments, wrong-member allocations, wrong-period allocations, and unallocated funds are handled according to the relevant platform subscription terms, group rules, payment-provider rules, evidence, and lawful authority. FelbaCare must not promise refunds or transfers it cannot execute.
Group contribution records, audit logs, claims evidence, payment references, approvals, and dispute records may be retained where required for lawful group administration, accounting, security, fraud prevention, legal claims, or regulatory obligations.
Kenyan law is the default governing-law placeholder unless the final operating entity and market launch decision require a different lawful basis. Any dispute clause, liability cap, indemnity, consumer-rights wording, and jurisdiction clause requires Kenyan advocate approval before publication.