Refunds & Cancellation

1. Plans and charges

KapuLetu is a treasury platform product of KapuLetu Systems. Paid plan prices, billing period, applicable taxes, add-ons and total payable are presented during checkout before you confirm payment. The amount shown in the checkout quote is the amount applicable to that purchase.

Payments may be initiated through the payment methods displayed at checkout. A plan is activated or extended after the payment provider confirms successful payment and the transaction is processed.

Refunds are available within the periods set out in section 3.

2. Billing periods and renewal

Plans are purchased for the period selected at checkout. A card is charged automatically at renewal only if you turned automatic renewal on; we tell you before each charge, and you can turn it off at any time in Billing. Otherwise you choose whether to pay for a later period.

A paid plan remains available through its expiry date. If it expires without renewal, everything keeps working for a grace period, and the account then moves to the Free plan. Your groups and records are kept. You will receive reminders through the contact details on your account.

Choosing not to renew prevents a later period from being purchased; it does not automatically refund a payment already made for the current period.

3. Requesting a refund

First payment of a monthly plan: a full refund if you ask within 7 days of paying. Yearly and 2-year plans: a full refund if you ask within 14 days of paying. After these periods there is no refund, and your plan continues to the end of the period you paid for. Later monthly payments are not refundable. A full refund ends the plan, and your account moves to Free.

Billing errors and double charges are always refunded in full, whenever you find them.

To ask for a refund, contact support@kapuletu.co.ke or +254703900449. Include the account email or phone number, invoice or payment reference, amount, date and reason. Do not send passwords, PINs or full payment credentials.

Approved refunds go back the way you paid, to your M-Pesa or your card. Each request is reviewed by an authorized person.

Processing and receipt times depend on the payment provider and financial institution. We will communicate the decision and any available processing information using the contact details provided with the request.

4. Card disputes

If you dispute a card payment with your bank, your account is paused until the dispute is resolved. Your records stay viewable while it is paused.

5. Consumer rights

Nothing in this policy excludes or limits a refund, cancellation or other remedy that cannot lawfully be excluded, including rights available under the Kenya Consumer Protection Act, 2012 or other applicable law. If a mandatory legal right conflicts with this policy, the legal right applies.

• Kenya Consumer Protection Act, 2012
• Terms of Service

6. Contact and changes

For billing questions or refund requests, contact support@kapuletu.co.ke or +254703900449, or visit our Contact Support page. We may update this policy when billing features or legal requirements change.