Terms and Conditions

1. The short version

2. Agreeing to these terms

These terms apply to anyone who uses moneyversations.co.ke, the MoneyVersations community, courses, tools and emails (together, "MoneyVersations"). By using MoneyVersations or creating an account, you agree to them. If you do not agree, please do not use the site.

3. Who can use MoneyVersations

• You must be 18 or older to create an account.
• Give accurate information when you sign up, and keep your email address up to date.
• One person, one account. Do not create accounts for someone else or pretend to be someone you are not.

4. Education, not financial advice

Everything on MoneyVersations (articles, videos, weekly rates, comparisons, calculators, the money check-up, courses, community answers and anything our team posts) is general information and education. It does not take your personal situation into account and is not financial, investment, tax, legal or insurance advice.

• MoneyVersations is not a bank, fund manager, stockbroker, investment adviser or insurer, and does not hold or invest money for anyone.
• Investments can go down as well as up. A fund's past yield does not guarantee what it will pay in future.
• Before making a financial decision, read the provider's official documents and, where needed, speak to a professional licensed by the relevant regulator, such as the Capital Markets Authority (CMA), the Insurance Regulatory Authority (IRA) or the Central Bank of Kenya.
• Answers from other members are their own views. Do not rely on them as advice.

You make your own financial decisions and are responsible for them.

5. Rates, products and "Is it legit?"

• Rates and product details are collected from fund managers, providers and public sources. We work hard to keep them correct, but they can be delayed, change without notice or contain mistakes. Always confirm the current figures with the provider before you invest.
• "Is it legit?" checks names against the Capital Markets Authority's public lists of licensed fund managers and approved collective investment schemes, as they stood when we last updated them. A match does not mean a product is suitable for you or free of risk. A missing name does not prove something is a scam. Check the CMA website directly for the latest position.
• Calculators, My money, goals and the switch calculator give estimates based on the figures you enter and the assumptions shown. Real results will differ.

6. Partners, links and how we earn

MoneyVersations is free to use. To keep it running, we may work with some financial providers. This can include receiving a fee when you click through to a provider, request a call back, or open an account.

• The weekly fund rates are ranked by the yields the funds publish, not by payment.
• Where a product is featured because of a commercial relationship, we aim to make that clear.
• When you ask a provider to contact you, we pass on your details only with your consent (see our Privacy Policy). Your agreement with any provider is between you and that provider. MoneyVersations is not a party to it.
• Links to other websites are for convenience. We do not control those websites and are not responsible for their content, products or privacy practices.

7. Your account and security

• Keep your password secret and use one you do not use anywhere else. We recommend turning on two-step sign-in.
• You are responsible for what happens under your account. Tell us straight away at info@moneyversations.co.ke if you think someone else has used it.
• MoneyVersations staff will never ask for your password, M-Pesa PIN, bank login or card details. Anyone who does is not us.

8. Community rules

The community works because members can ask honest questions about money without fear. When you post, comment, review or message, you agree not to:

• promote or recruit for pyramid schemes, Ponzi schemes, "money doubling", unlicensed investments, forex or crypto "signals" sold as guaranteed returns, or any other scheme that looks like a scam;
• advertise or sell without our permission, post spam or repeated links, or collect members' contact details for marketing;
• pretend to be another person, a company or a licensed professional you are not, or claim to be a MoneyVersations employee;
• harass, threaten, bully or insult anyone, or post hate speech or content that discriminates against people;
• post other people's private information, such as phone numbers, ID numbers, account details or addresses, without their permission;
• post anything illegal, sexually explicit, or that breaks someone else's copyright or other rights;
• post false reviews, or reviews of a provider you work for without saying so;
• try to break, overload, scrape or get around the security of the site.

You can report posts that break these rules. We may remove content, limit features or suspend or close accounts that break these rules, with or without notice. Where it is serious, we may report it to the authorities.

9. Your content

• You keep ownership of what you post.
• By posting on MoneyVersations, you give us a non-exclusive, royalty-free, worldwide permission to host, show, share within MoneyVersations, and lightly format your content. This includes showing community posts on the site and in our emails, such as the weekly digest, with credit to your username. This permission ends when you delete the content or your account, except where it has already been shared or must be kept by law.
• You are responsible for what you post and confirm that you have the right to post it.
• Posts in the community can be seen by other members and, for some pages, by the public and search engines.

10. Courses and certificates

Our free courses and certificates show that you completed a MoneyVersations course and quiz. They are not a professional qualification or licence, and are not accredited by any regulator or institution. Each certificate has a public verification link that shows your name, the course and the date.

11. Our content

The MoneyVersations name, logo, design, articles, videos, course material, weekly rate reports and images belong to MoneyVersations or the people who license them to us. You may read, share links to and quote short parts of our content with credit to MoneyVersations. Please do not copy, republish, sell or scrape our content in bulk without written permission.

12. Changes and availability

We are always improving MoneyVersations, so features may change, be added or be removed. We aim to keep the site available, but we cannot promise it will always be uninterrupted or error-free, especially during maintenance.

13. Our responsibility to you

We provide MoneyVersations in good faith and with reasonable care. To the extent the law allows:

• MoneyVersations is provided "as is". We do not guarantee that information on the site is complete, current or suitable for your situation.
• We are not responsible for losses that come from financial decisions you make, from products or services of providers you deal with, from what other members post, or from events outside our reasonable control.
• We are not responsible for indirect losses, such as lost profits or lost opportunities.

Nothing in these terms removes rights you have that cannot be removed by agreement, including under the Consumer Protection Act, 2012.

14. Closing your account

You can stop using MoneyVersations at any time. To close your account and have your personal data deleted, email info@moneyversations.co.ke from the address on your account. We may suspend or close accounts that break these terms, or that have been unused for a long time, after making reasonable efforts to contact the owner.

15. Kenyan law and disputes

These terms are governed by the laws of Kenya. If you have a complaint, please contact us first at info@moneyversations.co.ke so we can try to sort it out. If we cannot resolve it together, the courts of Kenya will decide.

16. Changes to these terms

We may update these terms from time to time. We will change the "last updated" date at the top and, for important changes, tell members by email or on the site. If you keep using MoneyVersations after a change, you accept the updated terms.

17. Contact us

Questions about these terms? Email info@moneyversations.co.ke.