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This page explains how FundZi collects, stores, and protects your information, as well as the terms that govern your use of the platform.
Last updated: October 2026
This is FundZi's single privacy policy. It covers organisers (people who create fundraisers), contributors (people who give or pledge), and anyone who simply visits the site. FundZi is operated by FundZi Tech. We handle personal data in line with the Data Protection Act, 2019 (Kenya).
We use a small number of service providers to run FundZi. They only receive what they need for their job:
Some of these providers store data on servers outside Kenya. We choose providers that protect data with recognised security practices.
Organiser passwords are stored in hashed form, not as plain text. Access to our database and admin tools is restricted. No system is perfectly secure, so we cannot promise absolute security, but we work to protect your information and will act promptly if we learn of a problem.
Under the Data Protection Act, 2019 you can ask to know what personal data we hold about you, have it corrected, have it deleted where we no longer need it, object to certain uses, and withdraw consent you gave. Write to hello@fundzi.co.ke and we will respond. We may need to keep some records (for example, payment records) where the law or fraud prevention requires it. If you are unhappy with how we handle your data, you can also complain to the Office of the Data Protection Commissioner (ODPC) in Kenya.
FundZi is not meant for people under 18 to use on their own. If you are a parent or guardian and believe a child has given us personal data, contact us and we will remove it.
We may update this policy. The “Last updated” date at the top of this page shows when it last changed.
This section applies if you create or manage a fundraiser.
To create and run your fundraiser, verify your email, pay out contributions, keep an accurate record of the fundraiser, prevent fraud, and contact you about your account. We may send you important account notifications and confirmations, and occasional updates and announcements about FundZi. You can ask us to stop the non-essential messages at any time by writing to hello@fundzi.co.ke.
As organiser you can see the name, amount and phone number of people who contribute or pledge to your fundraiser. Please use this only to run your fundraiser, for example to follow up on a pledge. Do not share or misuse contributors' details.
If you join the referral programme we collect your name, email address and phone number, and your confirmation that you agree to be contacted about the programme.
This section applies if you make a contribution or a pledge to a fundraiser. It is the notice linked from the tick box on the contribute and pledge forms.
We do not collect your M-Pesa PIN, card details, or any other payment credentials. You enter your PIN on your own phone, on the M-Pesa prompt.
To send the M-Pesa prompt, confirm and record your contribution or pledge, show it on the fundraiser page, let the organiser follow up on pledges, pay the organiser, detect fraud and abuse, and keep financial records. We do not use your phone number to send you marketing messages, and we do not sell it.
A pledge is only a promise. Nothing is charged when you pledge, and a pledge has no effect on your M-Pesa until you choose to pay it. FundZi does not currently send contributors a receipt or confirmation message by SMS or email. Your confirmation is the M-Pesa message you receive from M-Pesa itself and the on-screen confirmation after payment.
You pay the amount you choose plus a small processing fee, and the total is shown before you confirm. The organiser receives the full amount you chose. Contributions are collected by Paystack and held securely by Paystack on behalf of FundZi until the organiser withdraws them. The organiser can choose to withdraw on request or at the end of each day, with the day's contributions sent together as a bulk payout. Withdrawals due on a Sunday or public holiday roll over to the next payout cycle. Payments are generally final once processed (see the Terms of Service).
You can ask us to correct or delete your details by writing to hello@fundzi.co.ke. Because a contribution is a completed financial transaction, we may need to keep the payment record, but we can limit how your name is shown where that is possible. Ticking the box on the form is required so that we have your agreement before we collect and process your details; if you do not agree, you can choose not to contribute or pledge.
This section applies to anyone who opens the FundZi website, even without creating an account or giving.
You can clear or block cookies and site data in your browser settings, and you can manage ad preferences in your Google and Meta account settings. The site still works without cookies.
These Terms of Service (“Terms”) govern your access to and use of FundZi, a platform operated by FundZi Tech (“FundZi,” “we,” “us,” or “our”) that enables individuals to create fundraising campaigns and receive contributions from others via mobile money and other supported payment channels. By creating an account, creating a Fundraiser, making a Contribution or Pledge, or otherwise accessing or using FundZi, you agree to be bound by these Terms. If you do not agree, do not use the platform.
The following terms have the meanings given below wherever they appear in these Terms, capitalized:
FundZi is operated by FundZi Tech (“FundZi,” “we,” “us,” or “our”) and provides a technology platform that helps people in Kenya organize group fundraisers for causes such as medical emergencies, school fees, funerals, weddings, chama contributions, church projects, and other community and harambee-style needs, and collect Contributions from supporters primarily via mobile money.
FundZi is a technology platform, not a bank and not a deposit-taking institution. Contributor funds are held securely by FundZi's Payment Processor on behalf of FundZi until they are withdrawn to the Organizer's Settlement Account, as described in Section 6.
To create a Fundraiser or an account on FundZi, you must be at least 18 years old, or the age of majority in your jurisdiction, and have the legal capacity to enter into a binding contract under the laws of Kenya. Where a Fundraiser is created for the benefit of a minor or of another person or organization, for example a child's school fees, a family member's medical costs, or a chama, the Organizer represents that they have the authority or consent of that beneficiary (or their legal guardian, where applicable) to raise and manage funds on their behalf.
You are responsible for the accuracy of the information you provide when creating an account, and for keeping your login credentials confidential. You must notify FundZi promptly if you become aware of any unauthorized use of your account. FundZi is not liable for losses caused by your failure to safeguard your account credentials. Account creation requires a valid, non-disposable email address.
One account may be used to create and manage more than one Fundraiser under a single login. FundZi may limit the number of Fundraisers you can run at the same time under one account; this limit, and how many you currently have open, is shown in your dashboard and may change over time.
As an Organizer, you are solely responsible for the accuracy, legality, and honesty of your Fundraiser's stated purpose and description, and for ensuring that funds raised are used consistently with that stated purpose.
FundZi does not independently verify or guarantee the truthfulness of any Fundraiser's claims, the identity of its stated beneficiary, or how raised funds are ultimately used. Contributors are encouraged to exercise their own judgment, particularly for Fundraisers created by people they do not personally know.
FundZi reserves the right, but is not obligated, to request supporting information about a Fundraiser's purpose or beneficiary, and to suspend, edit, or remove any Fundraiser that it reasonably believes is fraudulent, misleading, or in violation of these Terms.
As a fraud safeguard, a newly created Fundraiser cannot be marked complete for the first 14 days after it is created; this does not affect a Fundraiser's ability to receive Contributions during that period.
A Contribution is a completed payment: money that has actually moved from a Contributor and been successfully processed. A Pledge is different: it is only a stated intention to contribute later, and is not itself a payment. Organizers should not treat a Pledge as funds received; a Pledge only becomes a Contribution once it is actually paid and confirmed.
Contributions made through FundZi are voluntary gifts to the Organizer or the stated beneficiary. They are not payment for goods or services, and, unless FundZi states otherwise for a specific cause, are not tax-deductible.
Contributions are generally final and non-refundable once successfully processed, except as described in Section 8 (Refunds and Disputes).
All Contributions are collected and processed through FundZi's Payment Processor, a licensed provider engaged to handle mobile money transactions on FundZi's behalf. Contributions are held securely by the Payment Processor on behalf of FundZi. Once a Contribution is confirmed, it is held until the Organizer withdraws it to their nominated Settlement Account, as described below.
Each Fundraiser has a withdrawal choice, selected by the Organizer when the Fundraiser is created and changeable at any time: “On request” or “Every day”. Under “On request” (the default for new Fundraisers), Contributions are held until the Organizer taps Withdraw; an approved Withdrawal covers all digital Contributions confirmed before that Withdrawal is processed, and the Organizer is shown the date on which it will be made. Under “Every day”, all digital Contributions confirmed for a Fundraiser since the previous payout cycle are totalled and sent together as a single bulk payout at the end of each day, rather than individually as each Contribution comes in. Only digital Contributions (those paid through FundZi) are held and withdrawn through FundZi; cash recorded by an Organizer is not received through FundZi and cannot be withdrawn. Each individual Contribution appears on the Fundraiser page shortly after it is confirmed (usually within a few seconds), independently of when the corresponding Withdrawal is made; tracking and settlement operate on separate, and separately reliable, schedules.
Withdrawals are not processed on Sundays or on Kenyan public holidays; they roll over to the next payout cycle. Contributions confirmed on those days still appear on the Fundraiser page, and are included in the next payout cycle on the following business day.
Withdrawal timing may occasionally be affected by factors outside FundZi's control, including Payment Processor processing times, mobile network operator issues, or routine verification and compliance checks. FundZi will make reasonable efforts to keep Organizers informed of any material delay.
The Organizer is solely responsible for the accuracy of the Settlement Account details they provide. FundZi is not liable for funds sent to a Settlement Account that was entered incorrectly or has since changed hands.
Before confirming a Contribution, Contributors are shown the full amount they will be charged, made up of the Contribution amount plus applicable processing fees. These fees are added on top of, and are never deducted from, the amount the Organizer receives. The Organizer always receives the Fundraiser's full Contributed amount.
Fees consist of charges levied by the Payment Processor for handling the transaction, and FundZi's own platform fee for providing the service. Current fee rates are published on the platform and may be updated by FundZi from time to time. Any change to fee rates applies only to Contributions made after the change takes effect and will be disclosed to the Contributor before they confirm payment.
Because Contributions are transferred onward to Organizers through the withdrawal process, they are generally treated as final once successfully processed. FundZi may, at its discretion, help facilitate a refund in limited circumstances, such as a duplicate charge, an erroneous transaction, or unauthorized use of a payment method, but any such request is subject to the Payment Processor's own policies and timelines, and a refund is not guaranteed.
Disagreements about whether funds raised for a Fundraiser were used consistently with its stated purpose are between the Organizer, the Contributors, and, where applicable, the beneficiary. FundZi is not a party to, and does not arbitrate, that kind of dispute, though FundZi may still take account-level action under Section 10 where it reasonably believes these Terms have been violated.
You agree not to use FundZi to:
FundZi may investigate any Fundraiser or account reasonably suspected of violating these Terms, and may request supporting documentation to do so. Pending an investigation, FundZi may suspend or withhold a Withdrawal. Where FundZi reasonably concludes that these Terms have been violated, it may suspend, restrict, or terminate the relevant account or Fundraiser, and may report suspected fraud or other unlawful activity to its Payment Processor, law enforcement, or the relevant regulatory authorities.
You may close your own account at any time by contacting FundZi at the address in Section 20. Certain records may be retained after closure in line with the Data Retention Policy set out elsewhere on this page, and as required by applicable law.
FundZi provides tools to help organize, share, and track fundraising activity. It does not guarantee that any Fundraiser will reach its target, that any particular Pledge will be fulfilled, or any other fundraising outcome.
The FundZi name, logo, platform design, and underlying software are the property of FundZi Tech and may not be used without permission. Organizers retain ownership of the text, images, and other content they upload to their Fundraiser, and grant FundZi a non-exclusive, royalty-free license to host, display, and share that content as reasonably necessary to operate the platform and promote the specific Fundraiser it belongs to.
FundZi's collection and use of your personal data is described in the Privacy Policy set out elsewhere on this page, and is intended to be handled consistently with the Data Protection Act, 2019 (Kenya). By using FundZi, you consent to the collection and use of your information as described there.
The FundZi platform is provided on an “as is” and “as available” basis. While FundZi takes reasonable measures to keep the platform secure and available, it does not warrant that the platform will be uninterrupted, error-free, or free of security incidents at all times. FundZi is not responsible for the conduct, statements, content, or actions of any Organizer or Contributor.
To the maximum extent permitted by the laws of Kenya, FundZi's total liability arising out of or relating to these Terms or your use of the platform shall not exceed the total fees actually retained by FundZi in connection with the specific Fundraiser or Contribution giving rise to the claim, in the twelve (12) months preceding that claim.
FundZi shall not be liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, lost Contributions, or loss of data, even where advised of the possibility of such damages. Nothing in these Terms limits any liability that cannot lawfully be excluded or limited under Kenyan law.
You agree to indemnify and hold harmless FundZi, its officers, employees, and agents from any claim, loss, or demand, including reasonable legal fees, arising out of your breach of these Terms, the content of your Fundraiser, or your misuse of the platform.
FundZi may update these Terms from time to time. Material changes will be reflected by an updated “Last updated” date on this page and, where appropriate, additional notice will be given. Continued use of FundZi after a change takes effect constitutes acceptance of the revised Terms.
These Terms are governed by the laws of the Republic of Kenya. The parties will attempt in good faith to resolve any dispute informally before resorting to litigation. Subject to that, the courts of Kenya have exclusive jurisdiction over any dispute arising out of or relating to these Terms or your use of the platform.
If any provision of these Terms is found unenforceable, the remaining provisions continue in full force. These Terms, together with the Privacy Policy and Data Retention Policy set out elsewhere on this page, constitute the entire agreement between you and FundZi regarding your use of the platform.
Questions about these Terms can be sent to hello@fundzi.co.ke, per the Contact Us section elsewhere on this page.
Accounts and associated fundraising records that remain inactive for 6 to 12 months may be archived or permanently deleted.
Certain information may be retained longer when required for legal, security, fraud prevention, or audit purposes.
If you have any questions about these policies, please contact us at hello@fundzi.co.ke.