Kinga terms and conditions

Kinga, operated by Data-Lock Ltd · This version: September 2026

These are the terms on which you use Kinga. They are written to be read by the rider who uses the app. The same text is available inside the app, in English and in Kiswahili.

In one sentence: your money stays with your SACCO — Kinga never holds it — and every charge is shown to you, itemised, before you confirm. Charges are not refunded when a payment is reversed.

1. Who is who

Kinga is provided by Data-Lock Ltd, a Kenyan company. Your SACCO is a separate organisation. It is not part of Data-Lock Ltd, and the money you save stays with your SACCO in its own bank account. Kinga does not hold, keep or touch your money at any point.

2. What Kinga does

Kinga gives you one place to save, borrow, and keep your cover with your SACCO. Every payment goes straight from your phone to your SACCO's bank account. Kinga records your payments, shows you your balances, and keeps your receipts.

3. What Kinga charges

KES 5 on every successful payment you make in the app.
A once-off 1.8% of the principal of each loan you are approved for.
Your SACCO may add its own charge; it is always shown to you before you confirm.

Every charge is shown, itemised, before you confirm a payment. M-Pesa applies its own charge; Kinga only shows you what it is, and never keeps it.

4. Charges are not refunded

If a payment is reversed, the charges already collected on it are not returned — just as M-Pesa does not return its own charge when a transaction is reversed. The amount you paid comes back to you, but the charges do not.

5. Reversals

If a mistake is made, tell your treasurer quickly — the app can reverse a payment that was recorded twice or in the wrong amount. A reversal needs two officials, and returns the amount to your Pochi. A request made more than seven days after the payment may not be reversible.

6. Your responsibilities

Keep your national ID, motorcycle registration and phone number up to date.
Keep your PIN secret. Kinga will never ask you for it.
Tell your SACCO if you change your phone number, before you change the SIM.
Read your receipts: check each payment when it lands.

7. Your data

What Kinga holds about you, who else receives parts of it, and how long it is kept are all in the privacy notice, which you agreed to when you joined.

8. Changes to these terms

Kinga may update these terms. If they change in a way that matters to you, the app will ask you to agree again before you continue.

9. Questions

Write to privacy@kinga.co.ke about your data, and support@kinga.co.ke about anything else.