Terms of Use

Last updated: August 2026

1. Agreement to Terms

These Terms of Service ("Terms") govern your access to and use of the PamojaHubwebsite, applications, and services (collectively, the "Service") provided by Martin M Mutua operating as PamojaHub ("PamojaHub", "we", "us", or "our").

By creating an account, using the Service, or clicking to accept these Terms, you agree to be bound by them. If you do not agree, do not use the Service.

2. Eligibility

You must be at least 18 years old to create a PamojaHub account. By registering, you represent that you are 18 or older and have the legal capacity to enter into these Terms.

If you are using PamojaHub on behalf of a group, organization, or business, you represent that you have authority to bind that entity.

3. Service Description

PamojaHub is cloud-based management software for community groups, including Chamas, SACCOs, welfare groups, investment circles, and similar organizations. The Service helps groups organize records of:

Members and memberships
Contributions and payment obligations
Loans, repayments, and schedules
Meetings, attendance, and resolutions
Shares and transfers
Subscriptions and billing

PamojaHub provides tools for recording and reporting. It does not provide legal, tax, investment, accounting, or professional financial advice.

4. Account Registration

To use most features, you must create an account. You agree to:

Provide accurate and complete information
Keep your account credentials secure
Notify us promptly of unauthorized access
Accept these Terms and our Privacy Policy during registration

You are responsible for all activity that occurs under your account.

5. Group Membership and Roles

Groups on PamojaHub have members with roles such as owner, admin, treasurer, and member. Each role has different permissions:

Owner: Full control over group settings, members, and records
Admin: Can manage most group settings and members
Treasurer: Can manage financial records and may approve or record payments and loans where permitted
Member: Can view records according to group settings and their role

Role permissions are enforced by the Service, but group administrators are responsible for assigning appropriate roles.

6. Group Administrator Responsibilities

If you are a group owner, admin, or treasurer, you are responsible for:

Deciding what data to enter about your group and its members
Ensuring you have permission to collect and enter member information
Informing members that the group uses PamojaHub
Responding to member questions and data requests
Complying with applicable laws, including data-protection laws

You agree to use PamojaHub only for lawful group-management purposes.

7. Member Data Responsibilities

Group members may have personal information recorded by group administrators, including contact details, financial contributions, loan status, attendance, and votes.

By accepting a group invitation or remaining a member, you acknowledge that the group may record this information through PamojaHub. Questions about what the group records and why should be directed to the group administrators.

8. Financial Recordkeeping

PamojaHub is software for recording and organizing financial activity. It is not:

A bank
A deposit-taking institution
A SACCO
An investment adviser
A lender
A custodian of group funds
A money-transfer service
A financial guarantor

PamojaHub does not hold group funds, manage real-world bank accounts, or execute financial transactions on a group's behalf, except for subscription payments made to PamojaHub through Paystack.

9. PamojaHub Does Not Hold Group Funds

Group funds remain under the control of the group and its authorized officers. PamojaHub records what authorized users enter into the system. The accuracy of those records depends on the people who enter them.

PamojaHub is not responsible for:

The actual movement of money between group members or bank accounts
Disputes over contributions, loans, or share transactions
Investment performance or losses
A group's compliance with its own bylaws or applicable law

10. Group Contributions and Loans

PamojaHub supports groups in administering internal loans and contributions according to group-configured rules.

Loans recorded in PamojaHub are between the group and/or its members according to the group's own rules. PamojaHub:

Does not provide loan principal
Does not make independent lending decisions
Does not guarantee repayment
Does not assess creditworthiness

The Service may calculate schedules, balances, interest, and late fees based on terms configured by authorized group officers. These calculations are only as accurate as the data entered and the rules configured.

11. Subscription Plans

PamojaHub offers subscription plans with different features, group limits, and member limits. Current plan details are shown on our pricing page and in your account settings.

Plan limits and prices may change from time to time. We will notify you of material changes in advance where required.

12. Free Introductory Period

The Free plan allows your first 3 months at no cost, subject to the limits of the Free plan. After the free period, you must upgrade to a paid plan to continue using PamojaHub.

13. Billing and Paystack

Subscription payments are processed by Paystack, a third-party payment processor. When you subscribe to a paid plan:

You will be redirected to Paystack's secure hosted checkout
Paystack will collect your payment information
PamojaHub will receive confirmation of payment and a transaction reference

You authorize PamojaHub to charge the applicable subscription fees through Paystack.

All fees are non-refundable unless otherwise required by law or expressly stated by us.

14. Upgrades / Downgrades

You may upgrade to a higher plan at any time. Upgrades typically take effect immediately or according to the plan rules shown at checkout.

Downgrades may be restricted if your current usage exceeds the limits of the lower plan.

15. Cancellation

You may cancel your subscription through your account settings or by contacting support. Cancellation may take effect at the end of your current billing period.

If you cancel, you may lose access to paid features. We are not responsible for any data loss resulting from cancellation, but you may export your data where export features are available.

16. User Content / Group Records

"User Content" means any data, records, documents, or information you or your group enter into PamojaHub.

You retain ownership of your User Content. By entering it into PamojaHub, you grant us a limited license to host, store, process, and display that content solely to provide the Service to you and your group.

You represent that you have the right to enter all User Content and that it does not violate these Terms or any law.

17. Acceptable Use

You agree not to use PamojaHub to:

Violate any law or regulation
Infringe intellectual property rights
Harass, abuse, or harm others
Upload viruses, malware, or harmful code
Attempt to gain unauthorized access to the Service or other users' accounts
Interfere with the integrity or performance of the Service
Use the Service for any illegal financial activity, money laundering, or fraud

18. Prohibited Conduct

Specifically prohibited conduct includes:

Impersonating another person or entity
Providing false or misleading information
Using automated means to access the Service without authorization
Reverse engineering or scraping the Service
Circumventing security controls or role permissions
Using PamojaHub to process data you are not authorized to process

19. Pamoja AI

Pamoja AI is an optional feature that explains information already calculated by PamojaHub.

By using Pamoja AI, you agree that:

AI output is informational only and may be incomplete or inaccurate
Authoritative records remain the underlying PamojaHub data
AI output is not legal, tax, investment, lending, accounting, or professional financial advice
AI cannot execute transactions, approve loans, or change records
You should verify important decisions using the actual records in PamojaHub

We do not guarantee the accuracy, completeness, or usefulness of AI-generated responses.

20. Intellectual Property

PamojaHub and its contents, including software, designs, text, graphics, logos, and trademarks, are owned by us or our licensors and are protected by intellectual property laws.

You may not copy, modify, distribute, or create derivative works of PamojaHub's intellectual property without our written permission, except as permitted by these Terms.

You retain ownership of your User Content.

21. Third-Party Services

PamojaHub integrates with third-party services, including:

Supabase for authentication and database
Paystack for payment processing
Resend for email
Groq for AI inference
Vercel for hosting and analytics

These services have their own terms and privacy policies. We are not responsible for their practices, except to the extent caused by our own negligence.

22. Privacy

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

23. Account Suspension / Termination

We may suspend or terminate your account if you:

Violate these Terms
Use the Service unlawfully
Pose a security risk
Fail to pay applicable fees

Group administrators may also remove members from groups according to group rules.

Upon termination, your right to use the Service immediately ends. Provisions that by their nature should survive termination will survive.

24. Account Deletion and Historical Records

You may request deletion of your account. We will anonymize your profile and deactivate your access. However, we may retain certain historical records where necessary for:

Financial accountability and audit integrity
Legal compliance
Fraud prevention
Dispute resolution
Preserving the integrity of group records

These retained records will not identify you by name, email, or other personal details.

25. Service Availability

We aim to keep the Service available, but we do not guarantee uninterrupted access. The Service may be unavailable for maintenance, updates, or reasons beyond our control.

We reserve the right to modify, suspend, or discontinue features with reasonable notice.

26. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

WE DO NOT WARRANT THAT THE SERVICE WILL BE ERROR-FREE, SECURE, UNINTERRUPTED, OR THAT DEFECTS WILL BE CORRECTED.

PAMOJAHUB IS NOT RESPONSIBLE FOR FINANCIAL LOSSES, INVESTMENT LOSSES, OR DISPUTES ARISING FROM GROUP RECORDS, LOANS, CONTRIBUTIONS, OR OTHER ACTIVITIES MANAGED THROUGH THE SERVICE.

27. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, PAMOJAHUB AND MARTIN M MUTUA WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE.

OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE WILL NOT EXCEED THE AMOUNT YOU PAID TO PAMOJAHUB IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR ONE HUNDRED U.S. DOLLARS (USD $100), WHICHEVER IS GREATER.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, SO THESE LIMITATIONS MAY NOT APPLY TO YOU.

28. Indemnity

You agree to indemnify and hold harmless PamojaHub and Martin M Mutua from any claims, damages, liabilities, costs, or expenses arising out of:

Your use of the Service
Your User Content
Your violation of these Terms
Your violation of any law or the rights of a third party

29. Changes to Service / Terms

We may update these Terms from time to time. If we make material changes, we will notify you by email or by posting a notice on the Service before the changes take effect. Your continued use of the Service after the changes constitutes acceptance of the updated Terms.

30. Governing Law

These Terms and any dispute arising out of or relating to them will be governed by the laws of the State of Oklahoma, United States, without regard to conflict-of-law principles, except where mandatory laws in your jurisdiction apply.

Any disputes will be resolved in the courts located in Oklahoma County, Oklahoma, United States, unless otherwise agreed.

Legal counsel review recommended: Because PamojaHub primarily serves users in Kenya, a Kenyan attorney should confirm whether this governing-law clause is appropriate or whether Kenyan mandatory consumer or data-protection law should be expressly preserved.

31. Dispute Resolution

Before filing a claim, you agree to try to resolve the dispute informally by contacting us at support@pamojahub.com. If we cannot resolve the dispute within 60 days, either party may pursue formal remedies according to the governing law clause above.

32. Contact Information

Operator: Martin M Mutua
Email: support@pamojahub.com
Business contact address:
2609 FeatherStone Rd
Oklahoma City, OK 73120
United States
Website: https://www.pamojahub.com