Terms & Conditions

1. Who we are

Zawadigital (operated by Zawadigital Limited) is a platform that connects buyers with verified local businesses in Kenya through digital gift cards. References to "we", "us", or "our" mean Zawadigital and its operators. References to "you" mean any person who accesses or uses the platform, whether as a buyer, a recipient, or a business partner.

2. Accounts & eligibility

You must be at least 18 years old to create an account. You agree to provide accurate information and to keep it up to date. You are responsible for the security of your password and any activity under your account.

One email address may be associated with one account. If you already use Zawadigital as a buyer or admin, you cannot register a business with the same email — sign in instead, or use a separate business email.

3. Data protection & your privacy

Zawadigital processes personal data in accordance with the Kenya Data Protection Act, 2019 and the regulations issued by the Office of the Data Protection Commissioner (ODPC). We act as a data controller for the personal data you submit to us. What we collect, why, how long we keep it, and how to exercise your rights is set out in full in our Privacy Policy.

4. Payments, payouts & fees

Buyers pay for gift cards through the payment methods made available at checkout. Merchants receive payouts net of the platform commission (currently 10%) via the payout method registered during setup — M-Pesa, card refund channel, or bank transfer.

Payout numbers and account numbers entered during setup are verified and then displayed in masked form throughout the dashboard. Only the merchant who registered the method can edit it, and only after re-authentication.

5. Merchant obligations

• Honour every valid Zawadigital gift card up to its face value.
• Provide accurate business information and keep it current.
• Comply with Kenyan tax law, including issuing receipts where required.
• Treat customer data received through the platform in line with the Data Protection Act, 2019.
• Not engage in fraudulent, deceptive, or unlawful practices on the platform.

6. Buyer rights & refunds

Gift cards purchased through Zawadigital are non-refundable once redeemed. Unredeemed cards may qualify for a refund within a limited window of purchase. Full detail — including how to request one — is in our Refund Policy.

7. Acceptable use

You agree not to:

• Use the platform for any unlawful purpose, including money laundering or fraud.
• Attempt to access another user's account or data.
• Reverse engineer, scrape, or attempt to disrupt the service.
• Upload content that is misleading, defamatory, or infringes another's rights.

We may suspend or terminate accounts found to be in breach of these terms.

8. Limitation of liability

Zawadigital provides the platform on an "as is" basis. To the maximum extent permitted by Kenyan law, we are not liable for indirect, incidental, or consequential damages arising from your use of the platform. Our total liability for any claim is capped at the amount paid by you to Zawadigital in the 12 months preceding the claim.

9. Changes to these terms

We may update these terms from time to time. When changes are material we will notify you by email and update the effective date at the top of this page. Continued use after a change means you accept the updated terms.

10. Contact us