l o a d i n g

Terms and Conditions

Welcome to AfyaPay! By accessing and using our platform, you agree to the following Terms and Conditions. Please read them carefully as they govern your use of AfyaPay services, products, and systems in accordance with the Kenya Central Bank Laws and Regulations Governing the Digital Banking Industry.

Definitions

  • “AfyaPay” refers to the digital banking platform owned and operated by Doctors Explain Digital Health Co. LTD.
  • “User” refers to any individual or organization registered with AfyaPay to use its services.
  • “Services” include, but are not limited to, digital banking, payment processing, loans, and currency exchanges offered through the AfyaPay platform.

Acceptance of Terms

By registering, accessing, or using AfyaPay services, you agree to comply with these Terms and Conditions. If you do not agree, you must not use the platform.

Eligibility

  • Users must be at least 18 years old.
  • Users must provide accurate and verifiable information during registration and any subsequent updates.
  • AfyaPay reserves the right to deny access or terminate accounts for users who provide false or incomplete information.

Services

Digital Transactions

AfyaPay facilitates payments, transfers, and online purchases securely.

Loan Products

Loans are subject to approval based on submitted KYC documents. Terms and conditions vary by plan.

Currency Exchange

Real-time exchange rates apply and may fluctuate due to market conditions.

Fees and Charges

  • Transaction fees, interest rates on loans, and service fees are transparently displayed during use.
  • AfyaPay reserves the right to revise fees and will notify users of changes at least 30 days in advance.

Compliance with Kenyan Regulations

AfyaPay adheres to the Kenya Central Bank Laws and Regulations Governing the Digital Banking Industry, ensuring compliance with anti-money laundering (AML), know-your-customer (KYC), and consumer protection regulations.

Privacy and Data Protection

AfyaPay is committed to protecting user data as outlined in our Privacy Policy. All user data is encrypted and securely stored in compliance with the Data Protection Act, 2019 (Kenya).

User Responsibilities

  • Keep login credentials confidential.
  • Notify AfyaPay immediately if you suspect unauthorized access to your account.
  • Use the platform for lawful purposes only.

Disclaimers

  • AfyaPay is not liable for third-party failures, including delays or errors in transactions caused by third-party systems.
  • All exchange rates and market data are subject to real-time changes.

Suspension or Termination of Services

AfyaPay may suspend or terminate accounts if:

  • Fraudulent activity is detected.
  • Users violate these Terms and Conditions.
  • There is a legal or regulatory requirement.

Governing Law

These Terms and Conditions are governed by the laws of Kenya and regulated by the Kenya Central Bank.

Changes to Terms

AfyaPay reserves the right to modify these Terms and Conditions at any time. Changes will be communicated via email or notification on the platform. Continued use of AfyaPay services constitutes acceptance of the updated terms.

Contact Information

For any inquiries or disputes, please reach us through the following:

  • Website: https://afyapay.doctorsexplain.net/
  • Email: afyapay@doctorsexplain.net
  • Phone: +254 725 258 821
  • Address: P.O Box 7674 – 00100, GPO Nairobi, Northern Bypass Rd., Kahawa West, Nairobi

By using AfyaPay, you acknowledge that you have read, understood, and agreed to these Terms and Conditions.