Please read these Terms carefully. By visiting the Koa site, using any of our services or signing up for an account, you’re agreeing to these Terms, including our Privacy Policy, without any limitation or qualification, which will result in a legal agreement between you and Koa (“Agreement”).

KOASAVE Africa Ltd is a Kenyan limited liability company with offices at Metropolitan Estate, 10 Riverside, Nairobi, Kenya.

Below are a few definitions that should help you understand these Terms:

Britam refers to Britam Asset Managers (Kenya) Limited, a limited liability company incorporated in accordance with the laws of Kenya and licensed with the Capital Markets Authority. Britam has partnered with Koa to provide you with access to its investment products (including collective investment schemes) for saving and investment purposes.

Account means a customer account held with a Third Party Partner to facilitate investment in the various investment products (where available) offered by the Third Party Partners.

Koa (“Koa,” “we,” or “us”) is an online saving platform (the “App”) that allows you to grow your money using our personalised goal-based savings platform (collectively, “the Services”), among other things.

Third Party Partners are any third parties such as financial services institutions and related entities that Koa partners with to provide you access to their investment products for saving and investment purposes.

T&Cs means Koa’s and Third Party Partners’ Terms and Conditions.

The App is offered through our websites, app, and any other website or mobile application owned or product or service, operated or controlled by us (we’ll collectively refer to these as the “Koa Sites”).

Koa has employees, independent contractors, and representatives (“our Team”). As a customer of the Koa Sites or a representative of an entity that’s a customer, you’re a “Member” according to this Agreement (or “you”).

These Standard Terms define the terms and conditions under which you’re allowed to use the Koa Sites in accordance with the Agreement, which in addition to our Privacy Policy and Cookie Policy, describe how we’ll treat your account and the data we collect and process about you, while you’re a Member. If you don’t agree to these Terms, you must immediately discontinue your use of the Koa Sites and Services.

Some features of the Koa Sites are offered as add-ons to your Koa account (“Add-ons”). Unless expressly stated otherwise, these Terms apply to the use of Add-ons. Some Add-ons are intended for particular use cases and may also have additional terms or restrictions (“Additional Terms”). Additional Terms for Add-ons can be found on our Site and Members agree to the applicable Additional Terms at the time they choose to add the corresponding Add-on. Also, note that a Member’s account may have access to unique features of the Service based on their historical usage or status.

Koa uses additional third parties to provide certain features of the Service, and, as a result, we are contractually obligated to make our Members aware of certain terms related to the use of such features. Therefore, you acknowledge and agree that by signing up for an account and using the Services, you are also bound by our Third Party Partners Terms of Use and Privacy Policies. As part of Koa’s partnership with Britam, you agreeing to the below T&Cs  will mean an acknowledgement and agreement to be bound by Britam’s Privacy Policy and Disclaimer below.

The policy can be found here: