This User Agreement ("Agreement" or "Terms") constitutes a legally binding contract between you (the "User" or "Applicant") and SIA FINLEADGLOBAL, a digital technology and financial marketing corporation registered under the laws of the Republic of Latvia (Registration No: 40203721183), with its registered address at Slokas iela 41A, Rīga, Latvia, LV-1007 ("the Company," "MoneyHello," "we," "us," or "our").
By accessing, browsing, or utilizing the MoneyHello website, you acknowledge that you have read, understood, and express your absolute consent to be bound by these Terms and all applicable laws of the Republic of Kenya.
1. Definitions
- "Platform" or "Website" refers to the MoneyHello online financial matching and lead-generation platform operated by the Company.
- "DCP" (Digital Credit Provider) refers to a licensed commercial bank, microfinance bank, or digital credit provider within our partner network of third-party lenders.
- "CRB" refers to a licensed Credit Reference Bureau in Kenya (such as Metropol, TransUnion, or Creditinfo).
- "Data Protection Act" refers to the Kenya Data Protection Act, under the oversight of the Office of the Data Protection Commissioner (ODPC).
2. Our Role: We are a Matchmaker, Not a Lender
- MoneyHello is not a licensed Digital Credit Provider (DCP), commercial bank, microfinance bank, or credit provider. We do not issue loans, extend credit lines, solicit deposits, or make underwriting decisions.
- MoneyHello is strictly an online financial matching platform, lead-generation intermediary, and marketing venue.
- Any credit application initiated through our intake portal is purely a request to match your credit profile with independent, third-party lenders within our partner network.
- Any subsequent loan contract, interest rate, payout, or debt collection is strictly between you and the final approved licensed lender. MoneyHello does not act as your agent, advisor, or fiduciary, nor represent any specific lender.
- Zero Fee Policy: In compliance with Central Bank of Kenya guidelines, MoneyHello does not charge consumers any fee for using our matching service, and will never demand upfront administrative, application, registration, or collateral fees. We are compensated directly by our lending partners upon successful loan disbursement.
3. User Eligibility & Responsibilities
To utilize the Platform and submit an application for financial matching, you must satisfy the following baseline legal requirements:
- You are a natural person holding a valid National Identity Card (National ID) or Passport issued by the Government of the Republic of Kenya.
- You have attained the age of majority of 18 years or older, in full compliance with the Age of Majority Act (Cap. 33).
- You possess an active, valid mobile telephone number registered in your legal name with a licensed mobile network operator in Kenya (e.g., Safaricom or Airtel), configured for mobile money services (M-Pesa or Airtel Money).
- You possess a verifiable, legitimate source of regular income (such as formal salary or informal business revenues).
4. Data Protection, Privacy & Credit Reference Bureau (CRB) Consent
By submitting an inquiry or data payload via our digital interface, you grant express authorization to our network of partner lenders, and acknowledge the following:
- Credit Reference Checks: Our partner lenders may request and obtain your credit score, history, and report from any licensed Credit Reference Bureau (CRB) in Kenya (such as Metropol, TransUnion, or Creditinfo).
- Identity Verification: Our partner lenders may verify your identity parameters and transactional histories with relevant institutions and mobile money networks.
- Soft vs. Hard Checks: A "soft match" check through our interface will not impact your credit file. However, a formal application executed by a final lender may register a hard query on your CRB report.
- Statutory Compliance: All consumer data captured on this Platform is handled in adherence to the Kenya Data Protection Act, under the oversight of the Office of the Data Protection Commissioner (ODPC).
- Strict Privacy Boundaries: MoneyHello will never download, scrape, mirror, or extract your mobile phone contacts, call logs, or gallery pictures. Your data is protected using 256-bit SSL encryption and is transmitted only to our verified network of CBK-compliant lending partners.
5. Intellectual Property
All source code, design architectures, graphics, text scripts, algorithmic assets, brand icons, and metadata embedded within MoneyHello are the exclusive property of SIA FINLEADGLOBAL or its respective licensors. You are granted a limited, non-transferable, revocable license to access the Platform strictly for personal, non-commercial use. Any unauthorized scraping, mirroring, or reverse engineering of this site is strictly legally actionable.
6. Limitation of Liability & Disclaimer of Warranties
- "As-Is" Provision: The Platform and all related content are provided on an "as-is" and "as available" basis without any express or implied warranties of any kind.
- Underwriting and Terms: MoneyHello does not guarantee that your application will result in a loan match or an approval. We hold zero liability regarding the specific Annual Percentage Rates (APR), interest configurations, or penalties applied to your final loan contract by the third-party lender.
- Indirect Damages: To the maximum extent permitted under Kenyan jurisprudence, the Company shall not be liable for any indirect, incidental, special, exemplary, or consequential damages, including loss of data, profit, or financial distress arising from your use of this Website.
7. Governing Law & Dispute Resolution
- Governing Law: This Agreement is governed entirely by and construed in accordance with the substantive and procedural laws of the Republic of Kenya.
- Amicable Settlement: In the event of any operational grievance or legal dispute, the parties shall first attempt to resolve the issue through good-faith amicable negotiations.
- Jurisdiction: If negotiations fail, all disputes shall be submitted to the exclusive jurisdiction of the competent courts of law located in Nairobi, Kenya.
8. Amendments
The Company reserves the unilateral right to revise, modify, or update these Terms and Conditions at any time to reflect changing economic, technical, or regulatory conditions in the Kenyan financial ecosystem. Changes will become immediately effective upon publication of the updated text to this URL. Your continued use of the platform after updates indicates binding acceptance of the new framework.
9. Contact Us
For any legal inquiries, please contact:
- Entity: SIA FINLEADGLOBAL
- Address: Slokas iela 41A, Rīga, Latvia, LV-1007
- Email: [email protected]