Terms of Service
Effective date: April 18, 2025
These Terms of Service ("Terms") govern your access to and use of Epesa ("we", "our", or "us"), including all content, features, and services provided through this website.
By accessing or using Epesa, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree with any part of these Terms, please discontinue use of the website.
1. Purpose of the Website
Epesa is an independent financial education and information platform. We provide general information, educational articles, and comparison tools related to loans, credit, and financial awareness in Kenya.
Epesa does not issue loans, process loan applications, provide financial products, or offer personalised financial advice.
2. Eligibility & User Responsibilities
By using this website, you confirm that you are at least 18 years old and capable of entering into legally binding agreements under Kenyan law.
Users agree to use Epesa only for lawful purposes and in a manner that does not infringe on the rights of others or restrict their use of the site.
3. Acceptable Use
You agree not to:
- Use the website for fraudulent or unlawful activities
- Attempt to gain unauthorised access to systems or data
- Distribute malware, spam, or harmful code
- Misrepresent information or impersonate others
- Interfere with the normal operation of the website
4. Intellectual Property Rights
All content on Epesa, including text, graphics, logos, tools, and design elements, is the intellectual property of Epesa unless otherwise stated.
Content is protected under applicable copyright and intellectual property laws. You may not reproduce, distribute, or modify site content without prior written permission.
5. Third-Party Links & Services
Epesa may contain links to third-party websites, including lenders, financial institutions, or external resources.
We do not control, endorse, or assume responsibility for the content, terms, or practices of third-party websites. Users access external sites at their own discretion and risk.
6. Disclaimer of Warranties
All information on Epesa is provided on an "as is" and "as available" basis. While we strive to ensure accuracy, we make no guarantees regarding the completeness, reliability, or timeliness of content.
Financial products, interest rates, and lender practices may change without notice. Users are encouraged to verify information directly with licensed financial institutions.
7. Limitation of Liability
To the fullest extent permitted by law, Epesa shall not be liable for any direct, indirect, incidental, or consequential damages arising from the use or inability to use this website.
This includes, but is not limited to, financial losses, data loss, or business interruptions resulting from reliance on information provided on the site.
8. Indemnification
You agree to indemnify and hold harmless Epesa, its affiliates, and contributors from any claims, liabilities, damages, or expenses arising from your use of the website or violation of these Terms.
9. Changes to These Terms
We reserve the right to update or modify these Terms at any time. Changes will be effective immediately upon posting on this page.
Continued use of the website after changes are posted constitutes acceptance of the revised Terms.
10. Governing Law
These Terms shall be governed by and interpreted in accordance with the laws of the Republic of Kenya.
11. Contact Information
If you have any questions about these Terms of Service, please contact us via our Contact Us page.