Welcome to ChapaaNow, a digital lending application operated by Juventus Tech Limited, a company registered in Kenya, designed to provide fast and convenient financial services to users in Kenya. These Terms of Service ("Terms") govern your use of the ChapaaNow application and all associated services (collectively referred to as "Services").
By accessing or using our Services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree with these Terms, you may not access or use our Services.
2.1 "ChapaaNow" refers to the mobile loan application and its operators, Juventus Tech Limited, a company registered in Kenya.
2.2 "User" refers to any individual who accesses or uses the ChapaaNow application or Services.
2.3 "Account" refers to the user account created on ChapaaNow to access the Services.
2.4 "Loan" refers to the credit agreement between ChapaaNow and the User, where ChapaaNow provides funds to the User, who agrees to repay them with interest and in accordance with the agreed terms.
2.5 "Device" means the smartphone or other electronic device used to access the ChapaaNow application.
2.6 "Interest Rate" refers to the rate applied to loans, as specified in the individual loan agreement.
3.1 ChapaaNow offers mobile loan services to qualified users in Kenya, including:
3.2 ChapaaNow reserves the right to modify, suspend, or discontinue any of the Services at any time, with or without prior notice.
4.1 To use the Services, you must create an account on ChapaaNow. When registering, you agree to provide true, accurate, and complete information.
4.2 To create an account, you must:
4.3 You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.
4.4 ChapaaNow may verify the information provided during registration and may reject account creation if the information is false, incomplete, or inaccurate.
4.5 You may close your account at any time by contacting us. ChapaaNow may also suspend or terminate your account if you violate these Terms.
5.1 To apply for a loan, you must:
5.2 ChapaaNow will evaluate your loan eligibility based on various factors, including:
5.3 ChapaaNow reserves the right to approve or reject loan applications at its sole discretion, without the need to provide reasons.
5.4 If your application is approved, you will receive a loan contract with specific terms, including loan amount, interest rate, repayment period, and due date.
5.5 By accepting the loan contract, you agree to fulfill all obligations established, including payment in full by the agreed deadline.
6.1 Approved funds will be deposited into the mobile money wallet (e.g., M-PESA) or bank account you selected as the loan receiving method during the application process.
6.2 ChapaaNow endeavors to process loan disbursements as quickly as possible, but does not guarantee the exact transfer time, as this may depend on third parties, such as mobile money providers or financial institutions.
6.3 You are responsible for providing accurate and complete mobile money or bank account information. ChapaaNow is not responsible for disbursement failures due to incorrect information provided by you.
7.1 The total amount to be paid includes the loan principal and the interest applied.
7.2 Payments must be made by the due date specified in the loan contract.
7.3 Accepted Payment Methods:
7.4 Late payments may result in:
7.5 You may repay the loan in full at any time, without penalty.
8.1 User Rights:
8.2 User Obligations:
9.1 ChapaaNow Rights:
9.2 ChapaaNow Obligations:
10.1 All intellectual property rights related to the ChapaaNow application and Services, including trademarks, logos, trade names, software, content, and designs, are the exclusive property of ChapaaNow.
10.2 You may not copy, modify, distribute, sell, or rent any part of the Services without the express written authorization of ChapaaNow.
11.1 ChapaaNow is not responsible for any direct, indirect, incidental, special, or consequential damages arising from the use or inability to use the Services.
11.2 ChapaaNow does not guarantee that the Services will be available at all times, without interruptions or errors.
11.3 ChapaaNow is not responsible for Service performance failures due to factors outside its control, including network issues, third-party hardware or software failures.
12.1 ChapaaNow collects, uses, and protects Users' personal information in accordance with our Privacy Policy, which is an integral part of these Terms.
13.1 ChapaaNow may update these Terms from time to time to reflect changes in our practices, technology, or legal requirements.
13.2 When we make significant changes, we will notify you by posting the updated Terms on our application and, if necessary, through additional communication channels.
13.3 Your continued use of our Services after the changes take effect constitutes your acceptance of the updated Terms.
14.1 Any dispute related to these Terms or the Services must be resolved through friendly negotiation.
14.2 If the dispute cannot be resolved through negotiation, it will be submitted to the jurisdiction of the courts of Kenya.
15.1 These Terms are governed by and interpreted in accordance with the laws of Kenya.
If you have any questions, concerns, or requests regarding these Terms or the Services, please contact us:
By accessing or using the ChapaaNow application and Services, you acknowledge that you have read, understood, and agreed to the terms of these Terms of Service.
Version: 1.0
Effective Date: January 10, 2026