1. About GroupYetu360
GroupYetu360 is a community management platform operated by EPH Technologies Limited (Registration No. PVT-RXUMLM2Q), incorporated in Kenya under the Companies Act, 2015. Our registered address is Western Heights, Karuna Road, Westlands, Nairobi.
GroupYetu360 provides software tools for chamas, merry-go-rounds, welfare groups, investment clubs and other community organisations to manage members, finances, meetings and communications.
Contact us: info@groupyetu.org · WhatsApp: +254 702 903 544
2. Eligibility and Account Registration
To use GroupYetu360 you must:
- Be at least 18 years of age
- Provide accurate and truthful information during registration
- Have legal authority to create an account on behalf of your organisation (if registering as an admin)
- Maintain the confidentiality of your login credentials
You are responsible for all activity that occurs under your account. Administrators, treasurers and superadmins may additionally secure their account with two-factor authentication (2FA), which sends a one-time verification code to your registered email address. If you suspect unauthorised access to your account, notify us immediately at info@groupyetu.org.
3. Subscription Plans and Payment
3.1 Plans
GroupYetu360 offers the following subscription plans:
- Starter: Free forever, up to 15 members, core features only
- Basic: Ksh 3,000 per year, up to 30 members
- Standard: Ksh 6,000 per year, up to 75 members
- Pro: Ksh 12,000 per year, unlimited members
Full feature details for each plan are published at groupyetu.org/#pricing and may be updated from time to time.
3.2 Free Trial
All paid plans (Basic, Standard and Pro) include a 2-month free trial from the date of registration. No credit card is required during the trial period. At the end of the trial, continued access to paid plan features requires payment of the applicable annual fee.
3.3 Bulk SMS
Bulk SMS is available on all plans on a pay-as-you-go basis, powered by our SMS partner Celcom Africa. SMS credits are purchased separately and do not expire. Pricing per SMS is published on the platform and may change with notice. EPH Technologies earns a margin on SMS credits sold through the platform.
3.4 Payment
Subscription fees are payable annually in advance via Paystack, SasaPay, M-Pesa Paybill/Till, or bank transfer to EPH Technologies Limited, as presented at checkout. Receipts are issued upon payment. Prices are stated in Kenyan Shillings (KES) and are inclusive of any applicable taxes.
3.5 Renewal
Subscriptions do not auto-renew. You will receive renewal reminders via email and SMS before your subscription expires. Upon expiry, your account will revert to Starter plan limitations. Your data is retained for 90 days after expiry to allow renewal.
4. Refund Policy
EPH Technologies offers the following refund policy:
- Refunds are available within 14 days of payment if you have not used the platform's paid features in that period
- No refunds are available after 14 days or after paid features have been actively used
- SMS credits are non-refundable once purchased
- If we discontinue a paid feature you subscribed for, we will offer a pro-rated refund or credit for the affected portion of your subscription
To request a refund, contact info@groupyetu.org within the eligible period.
5. Your Responsibilities as an Organisation Administrator
As an organisation administrator on GroupYetu360, you agree to:
- Obtain consent from your members before registering their personal data on the platform
- Ensure all financial records entered are accurate to the best of your knowledge
- Notify your members that the group uses GroupYetu360 to manage records
- Not use the platform to record fraudulent, fictitious or misleading financial information
- Ensure bulk SMS messages sent through the platform comply with applicable laws and are relevant to your group members
- Maintain appropriate internal controls over who has admin access to your organisation's account
- Keep your organisation's disbursement bank account or M-Pesa number accurate and up to date, so that funds collected on your behalf can be paid out without delay
6. Member Accounts and Portals
When an administrator creates a member record and links it to a member's email address, that member gains access to a personal portal showing their contribution history, balance and meeting records.
Members are responsible for the accuracy of any personal information they update in their portal. EPH Technologies is not responsible for disputes between an organisation's administrators and its members regarding financial records - such disputes are internal to the organisation.
7. Payment Processing for Member Contributions
Organisations may enable Instant Pay so that members can contribute directly from within GroupYetu360 using M-Pesa. Where enabled, the organisation administrator selects one active payment partner for the organisation from the following:
- Paystack - contributions are routed directly to the organisation's own Paystack subaccount and settle on Paystack's own schedule. EPH Technologies does not receive or hold these funds at any point.
- Fingo Africa and SasaPay - these providers pool contributions from multiple organisations into a single EPH Technologies merchant account. EPH Technologies attributes each contribution to the correct organisation internally and subsequently disburses the corresponding amount to the organisation's nominated bank account or M-Pesa number. For these two providers only, EPH Technologies acts as a limited collection agent and briefly holds member funds before disbursing them to the organisation.
Organisations may instead, or in addition, configure their own independent payment details - M-Pesa Paybill, Till Number, Send Money, Pochi la Biashara, or bank account - for members to pay directly. EPH Technologies has no role in these payments beyond allowing the organisation to record them for reference; funds never pass through EPH Technologies in this case.
For all payment methods:
- EPH Technologies is not liable for failed transactions, network failures, or outages at Safaricom, Paystack, Fingo Africa, SasaPay or any other payment partner
- Disbursement of pooled funds (Fingo Africa and SasaPay) to organisations is performed periodically, as shown on the organisation's Settlements page; EPH Technologies is not liable for delays caused by a payment partner or by incomplete disbursement details on file
- Organisations are responsible for reconciling contribution and disbursement records with their own bank/M-Pesa statements
- A network/transaction fee disclosed at checkout applies to Instant Pay contributions
8. Rotating Savings (Merry-Go-Round) Feature
GroupYetu360 provides tools to track rotating savings cycles including round management, contribution records and disbursement history. Where a cycle collects contributions via Instant Pay, EPH Technologies settles the portion collected through our payment partners directly to the receiving member, per Section 7 above; any remaining recordkeeping and disbursement is between the members of the group. Beyond this, these tools are for record-keeping purposes only. EPH Technologies:
- Does not hold, manage or disburse funds beyond the Instant Pay settlement described above
- Is not responsible for any disputes regarding whose turn it is to receive, amounts collected or disbursed
- Does not verify the accuracy of records entered by administrators
All other financial decisions and disbursements remain entirely between the members of the group.
9. Acceptable Use
You may not use GroupYetu360 to:
- Record, facilitate or conceal fraudulent financial activity
- Send unsolicited bulk SMS to persons who have not consented to receive messages from your group
- Impersonate another person or organisation
- Attempt to access another organisation's data
- Violate any applicable Kenyan law or regulation
- Use the platform for pyramid schemes, unlicensed deposit-taking or any activity regulated by the Central Bank of Kenya without the required licence
10. Data and Privacy
Your use of GroupYetu360 is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the platform you agree to the collection and use of your data as described in the Privacy Policy.
11. Intellectual Property
GroupYetu360, its design, code, branding and content are the intellectual property of EPH Technologies Limited. You may not copy, reproduce, modify or distribute any part of the platform without our written permission.
Data you enter into GroupYetu360 (member records, financial records, meeting notes) remains your property. You grant EPH Technologies a licence to store and process that data solely to provide the service to you.
12. Service Availability
We aim to maintain GroupYetu360 with at least 99% uptime but do not guarantee uninterrupted availability. Scheduled maintenance will be communicated in advance where possible. We are not liable for losses arising from service downtime, data loss due to infrastructure failure, or outages at third-party services we rely on (including Supabase, Safaricom, Paystack, Fingo Africa, SasaPay or Celcom Africa).
13. Limitation of Liability
To the maximum extent permitted by Kenyan law, EPH Technologies' liability to you in connection with GroupYetu360 shall not exceed the amount you paid for your subscription in the 12 months preceding the claim.
EPH Technologies is not liable for:
- Financial losses arising from inaccurate records entered by administrators or members
- Disputes between group members and administrators
- Failed M-Pesa transactions, or Safaricom, Paystack, Fingo Africa or SasaPay service issues
- Delays in disbursing pooled Fingo Africa or SasaPay funds caused by the provider or by incomplete organisation disbursement details
- Loss of data due to a member or administrator deleting records
- Indirect, consequential or punitive damages of any kind
14. Changes to These Terms
We may update these Terms of Service from time to time. Material changes will be communicated to registered organisation administrators by email at least 30 days before taking effect. Continued use of GroupYetu360 after the effective date constitutes acceptance of the updated terms.
15. Termination
You may close your account at any time by contacting us at info@groupyetu.org. Upon closure, your data will be permanently deleted within 30 days.
We may terminate or suspend your account if you violate these Terms, fail to pay subscription fees after the trial period or grace period, or if we discontinue the service (with reasonable notice).
16. Governing Law and Disputes
These Terms are governed by the laws of Kenya. Any disputes arising from your use of GroupYetu360 shall first be subject to good-faith negotiation. If unresolved, disputes shall be referred to mediation in Nairobi before any legal proceedings are initiated. The courts of Kenya shall have exclusive jurisdiction over any disputes that proceed to litigation.
17. Contact
For any questions about these Terms:
- Email: info@groupyetu.org
- WhatsApp: +254 702 903 544
- Address: EPH Technologies Limited, Western Heights, Karuna Road, Westlands, Nairobi, Kenya