These terms apply to everyone who uses ChamaBook: group officials, members and anyone who applies to register a group. By signing in you agree to them.
ChamaBook is provided by Oppi Technologies Limited, Westlands, Nairobi, Kenya. These are version 2026-01 of the terms. Your group may have its own constitution and rules; where they cover something, they apply between you and your group.
ChamaBook provides record-keeping, payment matching, approval and reporting tools to chamas, welfare groups, investment groups, SACCOs and other groups. Your group decides its own rules (contribution amounts, loan terms, number of signatories) and is responsible for its decisions.
ChamaBook doesn't hold your money. Funds stay in your group's own Paybill, till or bank account. ChamaBook records them and, where the group turns it on, instructs M-PESA payouts after the required approvals. Payment providers' own terms apply to the payments themselves.
Each group pays a subscription, or uses the free plan, for ChamaBook under the plan it chooses. Invoices are paid by M-PESA to Oppi Technologies Limited's paybill. If an invoice stays unpaid after the grace period, the group can still sign in and read its records, but new transactions are paused until it is paid.
Don't record false transactions, impersonate others, try to reach groups or data you don't belong to, or interfere with the service. Every action is logged, and we may suspend accounts that break these rules.
How we handle personal data is set out in the privacy notice.
We work to keep ChamaBook available and secure, and announce planned maintenance in the app. We may improve or change features; when a change affects how your group works, we tell officials in advance.
Oppi Technologies Limited is responsible for running the platform with reasonable skill and care. We aren't responsible for decisions your group makes, for payments a provider fails to complete, or for losses caused by a password, code or phone you didn't keep safe.
A group can close its account at any time. Its records are kept for as long as the law requires and members can still download their statements. We may close accounts that seriously or repeatedly break these terms.
These terms are governed by the laws of Kenya, and the courts of Kenya have jurisdiction over any dispute.
Support: +254738506251, [email protected]
Oppi Technologies Limited, Westlands, Nairobi, Kenya