Terms of Service

Effective date: 17 August 2026

Service

Vozua Chama is a technology platform for managing Chamas, SACCO-style groups, savings groups, welfare groups, investment groups and other member organisations. It provides record keeping, group administration, wallet integrations, SMS, loans, contributions, reports and related workflow tools.

Group responsibility

Each group controls its own membership, internal rules, contribution plans, loan products, approvals, authorised officials and financial decisions. Users must follow the group constitution, approved policies and applicable law. Use of Vozua Chama does not create or replace any registration, licence or regulatory authorisation that an organisation may be required to hold.

Payments and fees

Registration, subscription, SMS and transaction charges are shown before the relevant action. When a member makes a supported contribution or repayment, the platform may add a disclosed transaction fee to the amount charged so the approved group amount can be recorded in full.

Wallet withdrawals

Group-wallet payouts use an approval workflow. An authorised initiator creates the request and the Treasurer independently approves it before the platform can release funds. Users must verify beneficiary details before approval.

Loans

Loan applications are subject to the group’s configured eligibility rules, loan products, available funds and approvals. Submitting an application does not guarantee approval or disbursement.

Acceptable use

Do not use the service for fraud, unlawful transactions, unauthorised access, harassment, impersonation, malicious software or attempts to bypass group or platform security controls.

Account control

Accounts may be restricted when a subscription expires, when security protection is required, or when the group or platform administrator lawfully suspends access. Account deletion requests are handled through the app or public deletion page.

Changes and support

Service features and pricing may be updated. Material changes will be communicated through the platform or other appropriate channels. Support: support@vozua.com.