We care about good service to our customers and the following terms and conditions guide us on how to deliver services.
Introduction
Chamatek (“us”, “we”, or “our”) operates the Chamatek Mobile App mobile application
(the “Service”) and the Web Portal. Chamatek is a revolutionary fintech platform that
facilitates peer-to-peer micro-lending and fosters financial empowerment within chamas.
By accessing or using the Chamatek mobile application, you agree to abide by these
Terms and Conditions. Please read these terms carefully before using our services.
This policy informs you of our policies regarding the collection, use, and disclosure of
personal data when you use our Service and the choices you have associated with that data.
We use your data to provide and improve the Service. By using the Service, you agree to
the collection and use of information in accordance with this policy. Unless otherwise
defined in this Privacy Policy, terms used in this Privacy Policy have the same meanings
as in our Terms and Conditions.
By accepting to register with Chamatek, the user acknowledges that he / she has read,
agree with and accept all of the Terms and Conditions.
You hereby acknowledge and accept that the acceptance by us of your application to
join/form a Chama and subsequently apply for a loan does not create any contractual
relationship between you and Mobile Money service providers. “Without Any Prejudice.
By agreeing to these Terms & Conditions, I the “user” authorizes Chamatek to access my
personal information related to the registration process, conduct a back ground check
with our preferred duly registered Credit Reference Bureau and I declare waiver on any
claim I may have against Chamatek Technologies Limited or its affiliates in respect of
such disclosure.
The Service is only approved for use for persons of age 18 and above. Chamatek
Technologies Limited reserves the right to verify the authenticity of your age through the
available means to us. We reserve the right to decline any application for registration and
or a loan advance. We will also reserve the right to revoke the same at any stage at our
sole and absolute discretion without any reasons or giving any notice thereto.
1.0 Definitions
1.1 Account
Means your account with Chamatek Mobile Application.
1.2 Cookies
Cookies are small pieces of data stored on your device (computer or mobile device).
1.3 Credit Score
Means the average point awarded to a User based on his/her/its Account borrowing activity,
starting from a minimum of 300 and a maximum of 850 points.
1.4 Data Controller
Data Controller means the natural or legal person who (either alone or jointly or in
common with other persons) determines the purposes for which and the way any personal
information is, or is to be, processed.
For the purpose of this Privacy Policy, we are the Data Controller of your Personal Data.
1.5 Data Processors (or Service Providers)
Data Processor (or Service Provider) means any natural or legal person who processes
the data on behalf of the Data Controller. We may use the services of various Service
Providers in order to process your data more effectively.
1.6 Data Subject (or User)
Data Subject is any living individual who is using our Service and is the subject of
Personal Data.
1.7 Default
Means when you fail to pay in full any amounts on your loan by the due date.
1.8 Default roll over penalty
Means the late penalty applicable to you if you fail to make any payments by the due date.
1.9 Force Majeure
Means events and or circumstances our control.
1.10 KYC
Means know your customer.
1.11 Loan
Means the principal amount of the loan made or to be made by Chamatek to you under
this agreement.
1.12 Loan advance
Means a loan taken through the Chamatek app.
1.13 Mobile phone
Includes your handset, sim card and/or other equipment which when used together
enables you to access our app.
1.14 Mobile money account
Means your mobile money account record / account being maintained by mobile money
providers.
1.15 Mobile network operator
Means a mobile telephony network operator registered in Kenya.
1.16 Personal Data
Means data about a living individual who can be identified from those data (or from those
and other information either in our possession or likely to come into our possession).
1.17 PIN
Means your personal password used to access the Chamatek app and make
transactions.
1.18 Personal Information
Means your phone number, name, date of birth, identification number, KRA PIN and such
other information that will enable us to identify you and comply with the regulatory KYC.
1.19 Privacy Policy
Means the Chamatek app privacy policy on any personal data that we collect.
1.20 Request
Means a request or instruction received by Chamatek from you or purportedly from you
through the network and the app and upon which Chamatek is authorized to act.
1.21 Relevant Information
Means information including, but not limited to, data relating to your phone from your
mobile phone, call history, sms history and any such other information as we shall require
for purposes of providing the our services.
1.22 Service
Means the Chamatek Mobile application operated by Chamatek Technologies Limited.
1.23 Usage Data
Usage Data is data collected automatically either generated by the use of the Service or
from the Service infrastructure itself (for example, the duration of a page visit).
In addition to the above definitions, unless the context requires otherwise, the singular
shall include the plural and vice versa; a reference to any one gender, whether masculine,
feminine or neuter, includes the other two; all the headings, subheadings and bullet points
in this Agreement are for convenience only and are not to be taken into account for the
purposes of interpreting it; the recitals and schedules shall be deemed to form part of this
Agreement.
2.0 Information Collection and Use
We collect several different types of information for various purposes to provide and
improve our Service to you. We collect your personal information with your knowledge
and consent when you do any of the following:
a) Register for the Chamatek services by providing your information.
b) ask for more information about a product or service or contact Chamatek Technologies
Limited with a query or complaint.
c) respond to or participate in a survey, marketing promotion, prize competition or special
offer.
d) interact with us as a supplier, agent, merchant or dealer as prescribed in this statement;
or
e) visit any of our premises.
f) We may also collect your information from other organizations including creditreference
bureaus, fraud prevention agencies and business directories.
g) visit, access or use Chamatek or third-party websites.
We will also receive personal data about you from various third parties and public sources.
As the user you hereby consent to that Chamatek Technologies Limited is authorized to
verify your personal information and other information related to you from the information
received from any of above mentions sources and use it use it to the extent necessary to
enable us profile you for a loan advance.
The Service shall conduct its own credit-risk analysis which will subsequently inform the
credit worthiness of respective loan borrowers. The said information on credit score shall
remain the Intellectual Property of Chamatek Technologies Limited.
Chamatek may share and disclose Users’ Credit-score to other 3rd Parties and/or Data
Processors upon official request and meeting of the Chamatek’s criteria for sharing of
such information.
2.1 Types of Data Collected
2.1.1 Personal Data
While using our Service, we may ask you to provide us with certain personally identifiable
information that can be used to contact or identify you (“Personal Data”). Personally
identifiable information may include, but is not limited to:
We may use your Personal Data to contact you with newsletters, marketing or
promotional materials and other information that may be of interest to you. You may opt
out of receiving any, or all, of these communications from us by following the unsubscribe
link or instructions provided in any email we send.
2.1.2 Chama and Credit Data
While using our Service, we may ask you to provide us with certain identifiable information
that can be used to contact or identify your Chama Membership (“Chama Membership”).
This information may include, but is not limited to:
2.1.3 Usage Data
We will use the data you supply, including your government-issued Identification
numbers, to capture additional secondary data to enrich your customer data for regulatory
compliance purposes.
We may also collect information that your browser sends whenever you visit our Service
or when you access the Service by or through a mobile device (“Usage Data”).
This Usage Data may include information such as your computer’s Internet Protocol
address (e.g., IP address), browser type, browser version, the pages of our Service that
you visit, the time and date of your visit, the time spent on those pages, unique device
identifiers and other diagnostic data.
When you access the Service by or through a mobile device, this Usage Data may include
information such as the type of mobile device you use, your mobile device unique ID, the
IP address of your mobile device, your mobile operating system, the type of mobile
Internet browser you use, unique device identifiers and other diagnostic data.
2.1.4 Location Data
We may use and store information about your location if you give us permission to do so
(“Location Data”). We use this data to provide features of our Service, to improve and
customize our Service.
You can enable or disable location services when you use our Service at any time,
through your device settings.
2.1.5 Tracking & Cookies Data
We use cookies and similar tracking technologies to track the activity on our Service and
hold certain information.
Cookies are files with small amounts of data which may include an anonymous unique
identifier. Cookies are sent to your browser from a website and stored on your device.
Tracking technologies are also used are beacons, tags, and scripts to collect and track
information and to improve and analyze our Service.
You can instruct your browser to refuse all cookies or to indicate when a cookie is being
sent. However, if you do not accept cookies, you may not be able to use some portions
of our Service.
Examples of Cookies we use:
Chamatek Technologies Limited uses the collected data for various purposes:
4.0 Legal Basis for Processing Personal Data Under General Data Protection
Regulation (GDPR)
If you are from the European Economic Area (EEA), Chamatek Technologies Limited
legal basis for collecting and using the personal information described in this Privacy
Policy depends on the Personal Data we collect and the specific context in which we
collect it.
Chamatek Technologies Limited may process your Personal Data because:
5.0 Retention of Data
Chamatek Technologies Limited will retain your Personal Data only for as long as is
necessary for the purposes set out in this Privacy Policy. We will retain and use your
Personal Data to the extent necessary to comply with our legal obligations (for example,
if we are required to retain your data to comply with applicable laws), resolve disputes,
and enforce our legal agreements and policies.
Chamatek Technologies Limited will also retain Usage Data for internal analysis
purposes. Usage Data is generally retained for a shorter period, except when this data is
used to strengthen the security or to improve the functionality of our Service, or we are
legally obligated to retain this data for longer time periods.
6.0 Transfer of Data
Your information, including Personal Data, may be transferred to and maintained on
computers located outside of your state, province, country or other governmental
jurisdiction where the data protection laws may differ than those from your jurisdiction.
If you are located outside KENYA and choose to provide information to us, please note
that we transfer the data, including Personal Data, to KENYA and process it there.
Your consent to this Privacy Policy followed by your submission of such information
represents your agreement to that transfer.
Chamatek Technologies Limited will take all steps reasonably necessary to ensure that
your data is treated securely and in accordance with this Privacy Policy and no transfer
of your Personal Data will take place to an organization or a country unless there are
adequate controls in place including the security of your data and other personal
information.
7.0 Disclosure of Data
7.1 Business Transaction
If Chamatek Technologies Limited is involved in a merger, acquisition or asset sale, your
Personal Data may be transferred. We will provide notice before your Personal Data is
transferred and becomes subject to a different Privacy Policy.
7.2 Disclosure for Law Enforcement
Under certain circumstances, Chamatek Technologies Limited may be required to
disclose your Personal Data if required to do so by law or in response to valid requests
by public authorities (e.g., a court or a government agency).
a) Law-enforcement agencies, regulatory authorities, courts or other statutory
authorities in response to a demand issued with the appropriate lawful mandate
and where the form and scope of the demand is compliant with the law
b) Our subsidiaries, associates, partners, software developers or agents who are
involved in delivering the services you order or use
c) Publicly available and/or restricted government databases to verify your identity
information in order to comply with regulatory requirements
d) Debt-collection agencies
e) Survey agencies that conduct surveys on our behalf
f) Any other person that we deem legitimately necessary to share the data with.
7.3 Legal Requirements
Chamatek Technologies Limited may disclose your Personal Data in the good faith belief
that such action is necessary to:
7.4 Security of Data
Chamatek has put in place technical and operational measures to ensure integrity and
confidentiality of your data via controls around: information classification, access control,
cryptography, physical and environmental security and monitoring and compliance. The
security of your data is important to us but remember that no method of transmission over
the Internet, or method of electronic storage is 100% secure. While we strive to use
commercially acceptable means to protect your Personal Data, we cannot guarantee its
absolute security.
8.0 “Do Not Track” Signals Under California Online Privacy Protection Act
(CalOPPA)
We do not support Do Not Track (“DNT”). Do Not Track is a preference you can set in
your web browser to inform websites that you do not want to be tracked.
You can enable or disable Do Not Track by visiting the Preferences or Settings page of
your web browser.
9.0 Your Data Protection Rights
You have certain data protection rights, Chamatek Technologies Limited aims to take
reasonable steps to allow you to correct, amend, delete, or limit the use of your Personal
Data.
If you wish to be informed what Personal Data we hold about you and if you want it to be
removed from our systems, please contact us.
In certain circumstances, you have the following data protection rights:
If you wish to exercise any of the rights set out above, please contact us on 0707 591 002
Please note that we may ask for specific information from you to help us confirm your
identity and ensure your right to access your personal data (or to exercise any of your
other rights). We may also contact you to ask you for further information in relation to your
request to speed up our response.
We try to respond to all legitimate requests within a reasonable time. Occasionally it could
take us longer if your request is particularly complex or you have made several requests.
In this case, we will notify you and keep you updated.
10.0 Service Providers
We may employ third party companies and individuals to facilitate our Service (“Service
Providers”), to provide the Service on our behalf, to perform Service-related services or
to assist us in analyzing how our Service is used.
These third parties have access to your Personal Data only to perform these tasks on our
behalf and are obligated not to disclose or use it for any other purpose.
10.1 Analytics
We may use third-party Service Providers to monitor and analyze the use of our Service.
Google Analytics
Google Analytics is a web analytics service offered by Google that tracks and reports
website traffic. Google uses the data collected to track and monitor the use of our Service.
This data is shared with other Google services. Google may use the collected data to
contextualize and personalize the ads of its own advertising network.
For more information on the privacy practices of Google, please visit the Google Privacy
& Terms web page: https://policies.google.com/privacy?hl=en
10.2 Behavioral Remarketing
Chamatek Technologies Limited uses remarketing services to advertise on third party
websites to you after you visited our Service. We and our third-party vendors use cookies
to inform, optimize and serve ads based on your past visits to our Services
10.2.1 Google AdWords
Google AdWords remarketing service is provided by Google Inc.
You can opt-out of Google Analytics for Display Advertising and customize the Google
Display Network ads by visiting the Google Ads Settings page: Here
Google also recommends installing the Google Analytics Opt-out Browser Add-on
– https://tools.google.com/dlpage/gaoptout – for your web browser. Google Analytics Optout
Browser Add-on provides visitors with the ability to prevent their data from being
collected and used by Google Analytics.
For more information on the privacy practices of Google, please visit the Google Privacy
& Terms web page: https://policies.google.com/privacy?hl=en
10.2.2 Twitter
Twitter remarketing service is provided by Twitter Inc.
You can opt-out from Twitter’s interest-based ads by following their
instructions: https://support.twitter.com/articles/20170405
You can learn more about the privacy practices and policies of Twitter by visiting their
Privacy Policy page: https://twitter.com/privacy
10.2.3 Facebook
Facebook remarketing service is provided by Facebook Inc.
You can learn more about interest-based advertising from Facebook by visiting this
page: https://www.facebook.com/help/164968693837950
To opt-out from Facebook’s interest-based ads follow these instructions from
Facebook: https://www.facebook.com/help/568137493302217
Facebook adheres to the Self-Regulatory Principles for Online Behavioral Advertising
established by the Digital Advertising Alliance. You can also opt-out from Facebook and
other participating companies through the Digital Advertising Alliance in the
USA http://www.aboutads.info/choices/, the Digital Advertising Alliance of Canada in
Canada http://youradchoices.ca/ or the European Interactive Digital Advertising Alliance
in Europe http://www.youronlinechoices.eu/, or opt-out using your mobile device settings.
For more information on the privacy practices of Facebook, please visit Facebook’s Data
Policy: https://www.facebook.com/privacy/explanation
11.0 Links to Other Sites
Our Service may contain links to other sites that are not operated by us. If you click on a
third-party link, you will be directed to that third party’s site. We strongly advise you to
review the Privacy Policy of every site you visit.
We have no control over and assume no responsibility for the content, privacy policies or
practices of any third-party sites or services.
12.0 Children’s Privacy
Our Service does not address anyone under the age of 18 (“Children”).
We do not knowingly collect personally identifiable information from anyone under the
age of 18. If you are a parent or guardian and you are aware that your child has provided
us with Personal Data, please contact us. If we become aware that we have collected
Personal Data from children without verification of parental consent, we take steps to
remove that information from our servers.
13.0 Changes to This Privacy Policy
We may update our Privacy Policy from time to time. We will notify you of any changes
by posting the new Privacy Policy on this page.
We will let you know via email and/or a prominent notice on our Service, prior to the
change becoming effective and update the “effective date” at the top of this Privacy Policy.
You are advised to review this Privacy Policy periodically for any changes. Changes to
this Privacy Policy are effective when they are posted on this page.
14.0 User Requests
The user herein irrevocably authorize The Service to act on all requests received from
the app. Any such requests will be deemed to have come from you the user who is in
possession of your access PIN. In our own discretion, we however reserve the right to
reject any requests if deemed in breach of the terms and conditions here in. We shall be
deemed to have acted properly and to have fully performed all the obligations,
notwithstanding that the request may have been initiated, sent or otherwise
communicated in error or fraudulently.
The user shall be bound by any requests on which we may act if we have in good faith
acted in the belief that such instructions have been sent by you. We may, in our absolute
discretion, decline to act on or in accordance with the whole or any part of your request
pending further inquiry or further confirmation from you, be it in writing, telephony or
otherwise. You agree to release from and indemnify Chamatek Technologies Limited
against all claims, losses, damages, costs and expenses, arising in consequence of, or
in any way related to us having acted (or failed to act) in accordance with the whole or
any part of any of your requests.
To the full extent permitted by law, you the user agrees that Chamatek Technologies
Limited shall not be liable for any fraudulent drawing, transfer, withdrawal, remittance,
disclosure, any activity or any incident on your account by the fact of the knowledge and/or
use or manipulation of your Account PIN whether or not occasioned by your negligence.
This Agreement shall prevail in the event of any conflict between any terms of any request
received by us from you.
15.0 Applicable Service Fees
All applicable service fees will be disclosed on every transaction. There will be service
fees applicable to The Relevant Bank and services fees applicable to the mobile money
transactions. The service fees shall be paid to us and the mobile money service providers
respectively upfront at the time of transaction. Service fees payable and those to the
mobile money service providers will be liable to change from time to time whenever
deemed necessary by either part. Should there be any changes, Chamatek Technologies
Limited will notify you the user of any changes, via email, in app notification and on our
website.
16.0 Interest
All Debtors shall be charged an interest on the Borrowed amount as per the set interest
rates of each registered Chama out of which both the Creditor and The Service shall be
share the same on an 80:20 ratio or as prescribed by the chama.
17.0 User Statements
All user transactions are logged and available in a statement format. The statement and
activity report in respect to any transaction is available within the app and also on request
to be emailed to your registered email account during registration. All statements shall be
emailed from the official email address.
18.0 Balance
If your account has a credit balance as a result of overpayment of your loan. Such a credit
balance shall be credited into your account for onward withdrawal to your MPESA
account.
19.0 User Responsibilities
It will be the sole responsibility of the user to maintain safety of their phones and accounts
for purposes of accessing the Chamatek app. The user will also bear the cost of
maintaining the said safety. By registering onto The Service, the user hereby agrees and
acknowledges that you shall be solely responsible for the safe keeping and proper use of
your mobile phone.
You shall keep your PIN secret and secure and ensure it doesn’t become known or come
into possession of unauthorized persons. No claim shall be lodged against us for any
disclosure of your PIN to any an authorized persons and you do agree to indemnify and
hold us harmless from any losses resulting from any disclosure of your PIN.
You shall immediately alert us in the event that:
i. You have reason to believe that your PIN is or may be known to any person not
authorized to know the same and/or has been compromised; and/or
ii. You have reason to believe that unauthorized use of the app has or may have occurred
or could occur and a transaction may have been fraudulently transacted.
You acknowledge that any failure on your part to follow the recommended security
procedures will result in a breach of your account's confidentiality.
20.0 Chamatek Responsibilities
Chamatek Technologies Limited shall be responsible for ensuring that the app is
functioning as designed, is free from any bugs and errors and that all security checks and
systems are in adhered to.
Chamatek Technologies Limited shall not be responsible for any errors or failures caused
by any malfunction of your mobile phone. Neither shall we be responsible for any other
problems that may be associated with the use of the app, services or your phone that
were notcaused by us.
Chamatek shall not be responsible for any third party dependences that are necessary
for the proper end to end functioning of the app. This will include but not limited to internet
connectivity, network coverage, availability of mobile money agents amongst others.
21.0 Default
All loan advances shall fall due and should be fully payable by the due date depending
on the loan duration. A default roll over penalty fee shall be charged on every outstanding
loan according to the Constitution of each respective Chama that has been duly
registered with The Service.
When a default has occurred and which is continuing, without prejudice to any other right
or remedy granted to it under any law, we shall;
i. Terminate this agreement in accordance with the terms and conditions.
ii. Declare that the loan and all accrued penalties and charges plus any other amounts
outstanding as immediately due and payable, whereupon they shall become immediately
due and payable.
iii. Engage the services of an external collections agent to seek recovery.
iv. Get indemnification upon demand against any reasonable loss or expense as a result
of the default.
22.0 Breach
In the event of breach of this agreement, at any time upon notice to you and without
prejudice, we will terminate or vary our business relationship with you and close your
account to the generality of the foregoing. We may cancel any loan granted to you and
demand immediate repayment of outstanding debts.
Without prejudice to our rights under this clause. We may, at our sole discretion, suspend
or close your account;
i. If we reasonably suspect or believe that you are in breach of this agreement.
ii. If you use the account for unauthorized purposes or where we detect or reasonably
suspect any abuse/misuse, breach of content, fraud or attempted fraud relating to your
use of the app.
iii. If we are demanded of to comply with an order or instruction of or a recommendation
from the government, court, regulator or other competent authority
iv. Where such a suspension or variation is necessary as a consequence of technical
problems or for reasons of safety; to facilitate, update or upgrade the contents or
functionality of the Services from time to time;
v. If it becomes inactive or dormant
vi. If we receive notice and proof of your death from a competent jurisdiction.
23.0 Liability
We shall not be responsible for any loss suffered by you should the app be interfered with
or be unavailable by reason of the failure of your mobile phone or any other circumstances
whatsoever not within Chamatek’s control including, without limitation:
i. Force Majeure.
ii. Interruption, delay or non-availability of the app due network unavailability
iii. Acts of terror.
iv. Adverse weather conditions.
v. Failure of any network service providers. We will not be liable for any losses or damage
suffered by you as a result of or in connection with:
vi. Wrong or incomplete instructions for payments or transfers relating to your account.
vii. Fraudulent or illegal use of the app and or your mobile phone.
viii. A defect or fault in the app resulting from you having altered or modified the app
vix. Your breach or failure to comply with this agreement and any document or information
provided by us.
x. A defect or fault in the app resulting from you having used the app in breach of this
agreement and its terms.
xi. Your breach any of the license restrictions.
xii. In sufficient funds in your mobile money account.
xiii. Failure, malfunction, interruption or unavailability of the app, your mobile phone or
network providers’ services. We shall not be liable to you for any interference with or
unavailability of the app, howsoever caused. Under no circumstances shall we be liable
to you for any loss of profit or anticipated savings or for any indirect or consequential loss
or damage of whatever kind, howsoever caused, arising out of or in connection with the
Services even where the possibility of such loss or damage is notified to us. All warranties
and obligations implied by law are hereby excluded to the fullest extent permitted by law.
24.0 Indemnity
In consideration of us complying with your instructions or requests in relation to your
account, you undertake to indemnify us and hold it harmless against any loss, charge,
damage, expense, fee or claim which we suffer or incur or sustain thereby and you
absolve us from all liability for loss or damage which you may sustain from us acting on
your instructions or requests or in accordance with this Agreement.
The indemnity shall also cover the following:
i. All demands, claims, actions, losses and damages of whatever nature which may be
brought against Us or which We may suffer or incur arising from its acting or not acting
on any Request or arising from the malfunction or failure or unavailability of any hardware,
software, or equipment, the loss or destruction of any data, power failures, corruption of
storage media, natural phenomena, riots, acts of vandalism, sabotage, terrorism, any
other event beyond Our control, interruption or distortion of communication links or arising
from reliance on any person or any incorrect, illegible, incomplete or inaccurate
information or data contained in any Request received by us.
ii. Any loss or damage that may arise from your use, misuse, abuse or possession of any
third party software, including without limitation, any operating system, browser software
or any other software packages or programs.
iii. Any unauthorized access to your Account or any breach of security or any destruction
or accessing of your data or any destruction or theft of or damage to any of your
Equipment.
iv. Any loss or damage occasioned by the failure by you to adhere to this Agreement
and/or by supplying of incorrect information or loss or damage occasioned by the failure
or unavailability of third party facilities or systems or the inability of a third party to process
a transaction or any loss which may be incurred by Us as a consequence of any breach
by this Agreement.
v. Any damages and costs payable to us in respect of any claims against us for
recompense for loss where the particular circumstance is within your control.
25.0 Mode Of Communication
Mode of communication shall be via email to and from the email address or to such email
address that may be communicated to you from time to time. We will confirm receipt
of this by contacting you in writing by e-mail. The user shall make all communications to
us from the email address registered during installation of the app. Chamatek
Technologies Limited shall contact you or give you notice in writing, by e-mail and or by
SMS to the mobile phone number registered with us.
26.0 Entire Agreement
The Terms and Conditions constitute the entire agreement between you and us and
supersede and extinguish all previous agreements, promises, assurances, warranties,
representations and understandings between us, whether written or oral, relating to its
subject matter.
You acknowledge that in entering into this Agreement you do not rely on any statement,
representation, assurance or warranty (whether made innocently or negligently) that is
not set out in these Terms and Conditions.
You and We agree that neither of us shall have any claim for innocent or negligent
misrepresentation or negligent misstatement based on any statement in this Agreement.
27.0 FAQs
Please note that the in app FAQs form part and parcel of Chamatek terms and conditions.
28.0 Governing Law & Dispute Resolution
This agreement shall be governed in accordance with the laws of Kenya. Both parties
shall use their good faith and efforts to resolve any dispute, controversy or claim of any
nature whatsoever arising out of or in relation to or in connection with this agreement.
In the event that an amicable settlement has not been reached within thirty (30) days of
the parties' representatives meeting as aforesaid, the provisions of the laws of Kenya
shall.
29.0 Contact Us
If you have any questions about this Privacy Policy, please contact us via the official
email: info@chamatek.com
ChamaTek Technologies Limited is committed to respecting your privacy and giving you control over your personal data. This Account Deletion Policy outlines the steps you can take to delete your account, the types of data that are deleted, and any information that we may retain.
How to Request Account Deletion
To delete your ChamaTek account, please follow these steps:
What Happens When You Delete Your Account
Once your account deletion request is processed:
Additional Retention Period
ChamaTek retains certain data to comply with legal and regulatory obligations. If such obligations exist, we will notify you during the account deletion process.
Important Notes
For more information, please review our Privacy Policy or contact us at info@chamatek.com.