Terms of Service

1. Acceptance of Terms

By accessing or using the Rafiki platform ("Service") operated by Rafiki Technologies Limited ("Rafiki", "we", "us", or "our"), you agree to be bound by these Terms of Service. If you do not agree to these terms, do not use the Service.

These Terms apply to all users, including business owners, administrators, staff members, and any other person who accesses the Service.

2. Description of Service

Rafiki provides a cloud-based Point of Sale (POS) and Enterprise Resource Planning (ERP) platform designed for Kenyan businesses. The Service includes, but is not limited to:

• Sales management and point of sale operations
• Inventory and stock management
• Staff management, roles, and payroll
• M-Pesa payment integration
• KRA eTIMS fiscal compliance
• Accounting, bank reconciliation, and VAT reporting
• AI-powered forecasting and analytics (Enterprise plan)
• Multi-branch management

The Service is provided on a software-as-a-service (SaaS) basis. We reserve the right to modify, suspend, or discontinue any feature with reasonable notice.

3. Account Registration

To use the Service, you must create an account. You agree to:

• Provide accurate, current, and complete information during registration
• Maintain and promptly update your account information
• Keep your password confidential and not share it with unauthorised persons
• Notify us immediately of any unauthorised use of your account
• Be at least 18 years of age and have the legal capacity to enter into this agreement

You are responsible for all activities that occur under your account. Rafiki is not liable for any loss resulting from unauthorised use of your account.

4. Subscription Plans and Payment

Rafiki offers the following subscription plans:

• Free Plan: 1 branch, 3 staff, basic features. No payment required.
• Standard Plan: 1–3 branches at KES 5,000 per branch per year, plus a one-time KES 30,000 setup fee per organisation.
• Professional Plan: 4–10 branches at KES 4,500 per branch per year, plus setup fee.
• Enterprise Plan: 11+ branches at KES 4,000 per branch per year, plus setup fee.

Adding a branch after initial setup incurs a one-time KES 20,000 setup fee per additional branch. Optional add-ons (M-Pesa Daraja verification, AI forecasting, Priority SLA) are billed separately. All prices are in Kenyan Shillings (KES) and exclusive of applicable taxes.

Subscription fees are due annually in advance. Failure to pay on time may result in suspension or downgrade of your account. Setup fees are non-refundable.

We reserve the right to change pricing with 30 days' written notice. Existing annual subscriptions will not be affected until renewal.

5. Acceptable Use

You agree not to use the Service to:

• Violate any applicable Kenyan law, regulation, or order, including the Kenya Revenue Authority Act, the Tax Procedures Act, or any anti-money laundering regulation
• Process fraudulent transactions, falsify records, or manipulate financial data
• Attempt to gain unauthorised access to any part of the Service or another user's account
• Upload or transmit malicious code, viruses, or harmful data
• Use the Service for any purpose that Rafiki reasonably determines to be unlawful or harmful
• Reverse-engineer, decompile, or disassemble any part of the Service

We reserve the right to suspend or terminate your account for violations of this section.

6. Data and Privacy

Your use of the Service is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Service, you consent to the collection and use of your data as described in the Privacy Policy.

You own the business data you enter into the Service (sales records, inventory, customer data). You grant Rafiki a limited licence to process this data solely to provide and improve the Service. We will not sell your business data to third parties.

7. Service Availability

We aim for 99% uptime for paid plans. The Service is provided with reasonable skill and care, but we do not guarantee uninterrupted or error-free operation. Scheduled maintenance will be communicated in advance where practicable.

Enterprise plan subscribers with an SLA add-on are entitled to response time commitments as specified in a separate Service Level Agreement document.

8. Intellectual Property

The Service, including all software, designs, trademarks, and content created by Rafiki, is owned by Rafiki Technologies Limited and protected by Kenyan and international intellectual property laws. You may not copy, modify, or distribute any part of the Service without our written consent.

9. Limitation of Liability

To the fullest extent permitted by Kenyan law, Rafiki shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or business opportunities arising from your use of the Service.

Our total liability to you for any claim arising from use of the Service shall not exceed the total fees you paid to Rafiki in the twelve months immediately preceding the claim.

10. Termination

You may cancel your account at any time by contacting us at [email protected]. Upon cancellation:

• Your access to the Service will continue until the end of the current paid period
• Your data will be available for export for 30 days after cancellation
• After 30 days, your data will be permanently deleted

Rafiki may terminate your account immediately for material breach of these Terms.

11. Governing Law and Disputes

These Terms are governed by the laws of the Republic of Kenya. Any dispute arising from these Terms shall first be resolved through good-faith negotiation. If unresolved within 30 days, disputes shall be referred to the Nairobi courts, which shall have exclusive jurisdiction.

12. Changes to These Terms

We may update these Terms from time to time. We will notify you by email and by displaying a notice in the Service at least 14 days before changes take effect. Continued use of the Service after that date constitutes acceptance of the updated Terms.

13. Contact Us

If you have questions about these Terms, contact us at: