Terms & Conditions

Last Updated: August 2026

1. Acceptance of Terms

By accessing or using Merry-Go, you agree to be bound by these Terms. If you do not agree, do not use the platform.

2. Services Provided

Merry-Go is a contribution management platform for chamas, savings groups, fundraising campaigns, and community financial organizations.

3. NOT A FINANCIAL INSTITUTION

Merry-Go is NOT a bank, wallet, or financial institution. We do NOT hold, store, or process member funds. All money movements happen directly via M-Pesa between members and treasurers through automated STK Push and B2C disbursement.

4. NO FINANCIAL LIABILITY

Merry-Go is not responsible for:

You contribute at your own risk. We recommend only joining groups with people you trust.

5. SERVICE FEES

Platform service fee applies to contributions:

The fee covers M-Pesa transaction processing, automated disbursement, and platform maintenance. The fee is displayed before you confirm any payment. By proceeding, you accept the fee.

6. Pro Subscriptions

Pro subscription fees are non-refundable except where required by law. Subscription renews automatically unless cancelled before the renewal date.

7. User Responsibilities

You agree to: provide accurate information, keep your PIN secure, not use the platform for illegal activities, not attempt to hack or disrupt the platform, comply with all applicable laws.

8. Acceptable Use

You may NOT use Merry-Go for money laundering, fraudulent groups, impersonation, spam, or accessing other users' data.

9. Intellectual Property

All content, code, logos, and designs are owned by Merry-Go. You may not copy, modify, or redistribute without permission.

10. Termination

We may suspend or terminate your account for violations. You may stop using the platform at any time.

11. DISCLAIMER OF WARRANTIES

Merry-Go is provided "as is" without warranties of any kind, express or implied.

12. LIMITATION OF LIABILITY

To the maximum extent permitted by law, Merry-Go shall not be liable for any indirect, incidental, or consequential damages. Our total liability shall not exceed the fees you paid in the 3 months preceding the claim.

13. Governing Law

These terms are governed by the laws of Kenya.

14. Changes to Terms

We may update these terms. Continued use after changes constitutes acceptance.

15. Contact

support@merry-go.app | WhatsApp: +254 100 073610

Privacy Policy

Last Updated: August 2026

1. Data Controller

Merry-Go Technologies
Email: dpo@merry-go.app

2. Data We Collect

  • Phone number
  • Display name
  • PIN (hashed)
  • Contribution records
  • M-Pesa transaction references
  • Device information
  • Crash logs

3. How We Use Data

  • Authenticate your identity
  • Track contributions
  • Send reminders
  • Process Pro subscriptions
  • Prevent fraud
  • Comply with legal obligations

4. Legal Bases (GDPR Article 6)

  • Consent (on signup)
  • Contract performance
  • Legitimate interest
  • Legal obligation

5. Data Sharing

We share data only with:

  • Google Cloud Platform (Firebase) — storage
  • Safaricom (M-Pesa) — payment processing
  • WhatsApp (Meta) — reminders

We do NOT sell data.

6. Data Retention

  • Account data: while active
  • Transaction data: 7 years (tax compliance)
  • Error logs: 90 days

7. Security

  • AES-256 encryption at rest
  • TLS 1.3 in transit
  • PIN hashing
  • OTP verification
  • Daily backups

8. Your Rights (Kenya DPA & GDPR)

You have rights to: access, rectification, erasure, restriction, portability, objection, and withdrawal of consent.

9. Cross-Border Transfers

Data may be transferred to South Africa and United States. Protected by Standard Contractual Clauses.

10. Breach Notification

Affected users notified within 72 hours. ODPC notified as required.

11. Contact

dpo@merry-go.app | WhatsApp: +254 100 073610

Refund Policy

Last Updated: August 2026

1. Pro Subscriptions

Pro subscriptions are non-refundable once payment is made, except where required by law.

If you were charged incorrectly or experienced a technical error preventing access, contact us within 7 days for a full refund.

2. Contribution Refunds

Merry-Go does NOT hold funds. Contributions go directly between members and treasurers via automated STK Push and B2C disbursement.

If a member wants a refund for a contribution:

  • Contact the group treasurer directly
  • The treasurer may refund via M-Pesa
  • Merry-Go cannot reverse payments

3. Service Fees

The platform service fee is non-refundable. It covers transaction processing and platform maintenance.

4. Duplicate Payments

If charged twice due to a technical error, contact us. We will verify and refund the duplicate.

5. How to Request a Refund

Email: support@merry-go.app
Include: phone number, transaction receipt, reason
Processing: 7-14 business days

Data Protection Policy

Last Updated: August 2026

1. Compliance Framework

  • Kenya Data Protection Act (2019)
  • GDPR (EU)
  • UK GDPR
  • CCPA (California)
  • POPIA (South Africa)

2. Data Protection Officer

Email: dpo@merry-go.app

3. Data Flow

1. Member initiates contribution via STK Push

2. Money enters Merry-Go business Paybill

3. Safaricom sends webhook callback

4. Backend triggers B2C disbursement to treasurer

5. Contribution records update

4. Security Measures

  • AES-256 encryption
  • TLS 1.3
  • PIN hashing
  • OTP verification
  • Access controls
  • Daily backups

5. Data Subject Rights

Access, rectification, erasure, restriction, portability, objection, withdrawal.

6. Breach Response

Notify users within 72 hours. Notify ODPC as required.

Cookie Policy

Last Updated: August 2026

1. Cookies We Use

  • Essential cookies: Required for authentication and session management
  • No advertising cookies
  • No third-party tracking cookies

2. Managing Cookies

You can disable cookies in browser settings. Essential cookies are required for the app to function.

Merry-Go · Your contributions, on autopilot.

support@merry-go.app | WhatsApp: +254 100 073610