Terms and Conditions

Welcome to SmartPesa (smartpesa.co.ke). By accessing and using this website, you agree to comply with and be bound by the following Terms and Conditions. If you do not agree with any part of these terms, please do not use our website.

1. Use of the Website

SmartPesa provides financial information for educational and informational purposes only. By using this site, you agree to use the content lawfully and in a manner that does not infringe on the rights of others or restrict their use of the website.

You must be at least 18 years old or using the website under the supervision of a parent or guardian.

2. Financial Information Disclaimer

All content published on SmartPesa — including articles about loans, mobile money, banking, investments, and online income — is intended for general informational purposes only.

We do not provide:

  • Financial advice
  • Investment advice
  • Legal advice

Users are encouraged to verify information directly with financial institutions before making financial decisions.

3. Accuracy of Information

We strive to ensure that all information published on SmartPesa is accurate and up to date. However:

  • Loan terms may change
  • Interest rates may vary
  • Financial products may be updated

We do not guarantee completeness, reliability, or accuracy at all times.

4. Third-Party Links

Our website may contain links to third-party websites, including:

  • Loan providers
  • Banks
  • Financial service platforms
  • Affiliate partners

We are not responsible for:

  • Content on external websites
  • Privacy practices of third parties
  • Financial losses or damages resulting from third-party services

Users should review third-party terms before engaging with them.

5. Affiliate Disclosure

Some links on SmartPesa may be affiliate links. This means we may earn a small commission if you sign up or use services through those links — at no extra cost to you.

These commissions help us maintain and grow the platform while continuing to provide free financial education.

6. Intellectual Property

All content on SmartPesa — including text, graphics, logos, and guides — is the property of SmartPesa unless otherwise stated.

You may not:

  • Copy
  • Republish
  • Distribute
  • Reproduce

any content without written permission.

7. User Responsibility

By using this website, you agree that:

  • You are responsible for your financial decisions
  • You will not misuse the information provided
  • You understand financial risk exists in loans and investments

SmartPesa will not be liable for any financial losses incurred.

8. Limitation of Liability

Under no circumstances shall SmartPesa, its owners, or contributors be liable for:

  • Direct losses
  • Indirect losses
  • Financial damages
  • Business interruptions

resulting from the use of our website or reliance on our content.

9. Privacy

Your use of SmartPesa is also governed by our Privacy Policy, which explains how we collect, use, and protect your information.

10. Changes to Terms

We reserve the right to modify or update these Terms & Conditions at any time without prior notice. Changes will be posted on this page with an updated revision date.

11. Contact Information

If you have questions regarding these Terms & Conditions, you may contact us at:

Email: support@smartpesa.co.ke
Website: smartpesa.co.ke