Terms of service

Last updated 6 November 2026

1. Acceptance of terms

These terms are a legally binding agreement between you and Kesh Labs Ltd. They govern your use of the Kesh app, kesh.ke and related services (the "Services").

By creating a Kesh account or using the Services, you agree to these terms and to our Privacy policy, which forms part of this agreement. If you do not agree, do not use the Services.

2. Eligibility and registration

To use Kesh you must be at least 18 years old, live in Kenya, hold a Kenyan National ID or Alien ID, and have a Kenyan mobile phone number.

When you register, you agree to give accurate and complete information, including for identity verification, and to keep it up to date. If you do not, we may suspend or close your account.

3. The services

Kesh lets you:

• send money to and receive money from other Kesh users, and pay merchants
• hold an electronic money balance in your Kesh wallet
• add money from, and withdraw to, your Kenyan bank account or mobile money account
• buy airtime and pay bills

4. Your responsibilities

• Account security. Keep your sign-in details and Pin to yourself. If you suspect someone else has used your account, email support@kesh.ke at once.
• Accurate payments. Check who you are paying and how much before you confirm. Kesh is not liable for money sent to the wrong recipient, or in the wrong amount, because of your error.
• Lawful use. Use the Services only for lawful purposes and in line with Kenyan law, including Central Bank of Kenya regulations and anti-money-laundering rules.

5. Prohibited activities

You must not use Kesh to:

• commit fraud, launder money or finance terrorism
• pay for illegal goods or services
• harass, threaten or infringe the rights of another person
• reverse-engineer or copy the Kesh app
• damage, disable or overload our systems

If you do, we may suspend or close your account without notice and report you to the authorities.

6. Fees and limits

• Fees. Kesh may charge fees for some services. We will give you at least 30 days' notice before introducing or changing a fee.
• Third-party fees. You are responsible for charges from your mobile network, bank or mobile money provider.
• Limits. We may limit how much you can send, receive or hold, to meet regulatory requirements and manage risk.

7. Privacy

We collect, use and share your personal information as described in our Privacy policy.

8. Suspension and closing your account

• By you. You can close your account at any time by contacting support.
• By us. We may suspend or close your account, or limit your access, without notice if you breach these terms, we suspect fraud or illegal activity, the law or a regulator requires it, or your account has been inactive for a long time.

When your account closes, we return any remaining balance to you, unless the law requires us to hold it.

9. Disclaimers

The Services are provided as they are and as available, without warranties of any kind, express or implied. We do not guarantee that the Services will be uninterrupted, secure or error-free. Kesh is not a bank. Your Kesh wallet balance is electronic money and is not covered by the Kenya Deposit Insurance Corporation.

10. Limitation of liability

To the fullest extent Kenyan law allows, Kesh Labs Ltd and its officers, directors and employees are not liable for indirect, incidental, special, consequential or punitive damages, or for loss of profits, revenue, data, use or goodwill, arising from your use of or inability to use the Services, unauthorised access to our servers or the information on them, or harmful code transmitted through the Services. Our total liability for any claim is limited to the amount of the transaction the claim is about.

11. Indemnity

You agree to defend and indemnify Kesh Labs Ltd and its affiliates, officers, directors and employees against claims, losses and expenses, including legal fees, arising from your use of the Services or your breach of these terms.

12. Governing law and disputes

These terms are governed by the laws of Kenya. We will try to resolve any dispute with you through our support team first. If it is not resolved within 30 days, the courts of Nairobi, Kenya have exclusive jurisdiction.

13. Changes to these terms

We may change these terms. We will tell you about material changes in the app or by email. If you keep using the Services after that, you accept the new terms.

14. Contact us

If you have questions about these terms, contact us:

Company: Kesh Labs Ltd Email: support@kesh.ke Phone: +254 796 980788 Address: Jahazi Building, James Gichuru Road, Nairobi, Kenya