Terms & Conditions

1. Membership

Membership is open to adults who complete signup, submit the required identity documents and are approved by BOMAKUU. We may decline or suspend an account where information is incomplete, inaccurate or where the rules below are broken.

2. Subscription fees and levels

Each level carries an annual subscription fee, payable before you are seated in a cohort. Levels are stacked: joining a higher level includes the levels beneath it, and the fees and daily contributions of those levels apply together.

3. Daily contributions

Members contribute the daily amount attached to every level they hold. Contributions may be paid daily or in advance; paying ahead simply covers future days. Missed days remain outstanding until paid.

4. Cohorts

Members are seated in cohorts of up to 300. A cohort closes once it is full and a new one opens. Capital and maturity dates are tracked per cohort and shown in your dashboard.

5. Payments and receipts

Payments are made through M-Pesa or another method recorded by an authorised officer. Every recorded payment produces a numbered receipt available in your account. Always confirm your receipt appears in the app; if it does not, contact support before paying again.

6. Corrections and reversals

A payment recorded in error may be reversed by authorised staff. Reversals require a reason, double confirmation and an emailed verification code, and every reversal is written to the audit log.

7. Your responsibilities

• Keep your login details private and your contact information up to date.
• Provide accurate identity, next of kin and beneficiary information.
• Use the platform only for your own membership and lawful purposes.

8. Suspension and closure

We may suspend an account for suspected fraud, misuse or breach of these terms. You may request to close your account by contacting support; financial records are retained as required for compliance.

9. Service availability

We work to keep the platform available at all times, but access may be interrupted for maintenance or for reasons beyond our control, including mobile-money network outages.

10. Changes to these terms

These terms may be updated from time to time. The date above shows the current version, and material changes will be communicated to members.

11. Contact

Questions? Email info@bomakuutrust.org or call +254 119 298 309. See also our Privacy Policy.