terms of service

HavenPay provides a secure digital wallet that allows users—particularly refugees, migrants, and underserved communities—to:
- Verify identity (using UNHCR ID or other documents)
- Store money in a regulated account
- Send, receive, and withdraw funds
- Access additional financial services as they become available
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HavenPay Ltd (“we”, “our”, “us”) is a registered financial service provider operating in partnership with regulated institutions such as Choice Bank and mobile money providers such as M-Pesa.

To use HavenPay, you must:
- Be at least 18 years old
- Provide accurate identity information
- Not be prohibited by law from using financial services
- Agree to HavenPay’s Privacy Policy

You may be required to verify your identity using documents such as UNHCR ID, passports, biometrics, or other supporting information.

We may reject or suspend accounts that fail verification or appear fraudulent.

To comply with anti-money laundering (AML), counter-terrorism financing (CTF), and regulatory requirements, HavenPay may collect and verify:
- UNHCR ID information
- Government-issued documents (where applicable)
- Biometric data
- Address or location proof
- Transaction history and behavioral risk data

Failure to complete required verification may limit or block access to your account.

The HavenPay wallet allows you to:
- Deposit funds
- Withdraw funds
- Transfer or receive payments
- Store money securely
- Connect with M-Pesa or partner banks

You are responsible for ensuring:
- Correct recipient details
- Sufficient balance
-Safe use of your device

Transactions are generally final and cannot be reversed unless required by law.

HavenPay may charge fees for:
- Transfers
- Currency conversions
- Withdrawals
- Other services (as listed in the app)

We will always disclose fees before a transaction is completed.

Fees may change with notice.

We protect your data and transactions with encryption, biometrics, and fraud monitoring.
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You agree to:
- Keep your login details secure
- Not share your PIN, password, or device
- Notify us immediately of suspicious activity

We are not responsible for losses caused by:
- Your failure to secure your device
- Unauthorized access resulting from shared credentials
- Malware or compromised devices

You may not use HavenPay for:
- Fraud or identity theft
- Money laundering or terrorist financingIllegal trade or transactions
- Abusing aid distribution systems
- Misrepresenting identity informationInterfering with HavenPay systems

We may suspend or close accounts involved in prohibited activities.

We may suspend, restrict, or terminate your access if:
- You violate these Terms
- Required identity checks fail
- We detect fraud or suspicious activity
- Regulators or partners require itYour account has been inactive for long periods

You may close your account at any time by contacting us.

To comply with regulation, transaction and balance limits may apply based on your KYC tier. Higher limits require additional verification.

Limits are displayed in-app and may be updated as rules change.

HavenPay works with:
- Mobile money providers (e.g., M-Pesa)
- Banks and regulated financial institutions
- UNHCR and NGOs (for identity and disbursements)

We are not responsible for delays, failures, or errors caused by third-party systems.

If you notice an unauthorized transaction or error:
- Report it immediately through the app or support
- Provide any information we request
- We will investigate according to regulatory requirements

If an error is confirmed, we will correct it.

Your privacy is important to us.
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Our Privacy Policy explains:
- What data we collect
- How we use it
- Who we share it with
- How we protect it

By using HavenPay, you agree to the Privacy Policy.

HavenPay is provided “as is” and “as available.”
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We do not guarantee that:
- The app will always be available
- Transactions will always be instant
- Services will be error-free

We are not liable for delays or interruptions caused by:
- Network issues
- Mobile money systems
- Banks or partners
- Technical failures outside our control

To the maximum extent permitted by law, HavenPay is not liable for:
- Indirect or consequential losses
- Losses caused by third-party systems
- Unauthorized access resulting from your negligence
- Delays or failures outside our control

Our total liability will not exceed the total fees paid by you in the past 12 months.

We may update these Terms from time to time.
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Changes will be communicated via:
- The app
- Our website
- Email or SMS (when appropriate)

Continued use of HavenPay means you accept the updated Terms.

These Terms are governed by the laws of Kenya and applicable financial regulations.

Any disputes will be resolved in Kenyan courts unless local laws require otherwise.

For questions or support:

‍HavenPay Ltd
Email: support@havenpay.co
Website: www.havenpay.co