Terms and conditions

Last updated 7 November 2026. Draft for legal review before launch.

1. What QIKAO FUND is

QIKAO FUND is a platform run by QIKAO Africa that lets verified organizations in Kenya raise money for projects, and lets people give to them. Money is released to a project in phases, as the organization proves each phase is done. QIKAO FUND is not a bank and does not pay interest on money it holds.

2. Giving

  • You give to a project, not to QIKAO FUND. The amount, any platform fee and the payment method are shown before you confirm.
  • A gift counts towards a project once the payment provider has confirmed the money. Mobile money and bank payments are confirmed at once; card payments are confirmed when the provider reports them.
  • You get a numbered receipt. Anyone can check a receipt number on the verification page.
  • You can give without an account. An account lets you see your gifts in one place.

3. How money is held and released

  • Gifts are recorded in a ledger kept for each project. Money is released to the organization only in the phases the project set out when it launched.
  • Each release is prepared by one QIKAO staff member and approved by a different one, who confirms with an authenticator code. A phase is released after the organization submits proof and QIKAO staff accept it.
  • Some projects are all-or-nothing. If one does not reach its target by its end date, every gift to it is refunded to the same payment method, in full.
  • Flexible projects keep what they raise when they end.

4. Refunds

Gifts are refunded in full when a project fails its target, when we find a payment was fraudulent or made twice, or when a project is cancelled. If you gave by mistake, contact us as soon as you can. A refund is approved by a second staff member and is sent back the way you paid. It can take several working days to reach you.

5. Organizations

Organizations must be verified before they can raise money. They must give true information, use the money only for the project and phases they published, and submit honest proof. We may pause or end a project, withhold a release or report to the authorities if we believe these rules were broken.

6. Your account

Keep your password and authenticator codes private. Tell us at once if you think someone else has used your account. You are responsible for what is done with your sign-in until you do.

7. Fees

The fee for a project is fixed when it launches and is shown on its page. Payment providers may charge their own fees, which are shown where they apply.

8. Limits

We work to keep the service running but cannot promise it will never be interrupted. We are not responsible for losses that we could not reasonably have prevented, or for how an organization carries out its project after it has been paid in line with the approved phases. Nothing here limits any right you have under Kenyan consumer law.

9. Changes and law

We may update these terms. We will tell account holders of material changes and ask for acceptance again where the law requires it. These terms are governed by the laws of Kenya and the courts of Kenya.

10. Contact

QIKAO Africa, Nairobi, Kenya. Write to us through the contact details published on the home page.