Payment Options and Terms for 'Bill ya Hosi'

1. Payment Plans:

Customers of Bill ya Hosi can choose from the following payment plans:

1. Weekly Plan: Ksh 50 per week
2. Monthly Plan: Ksh 200 per month
3. Annual Plan: Ksh 2,000 per year

2. Payment Rules and Regulations:

1. Weekly Payments (Ksh 50)

   • Payment Deadline: Customers have 7 days to make the weekly payment of Ksh 50.
   • Grace Period: If the payment is not made within the 7-day period, a 3-day grace period is provided.
   • Penalty for Late Payment: If the payment is not completed by the end of the 3-day grace period, a 50% penalty (Ksh 25) will be applied on the 4th day.
   • Suspension of Account: Failure to make the payment, including the penalty, by the 7th day after the grace period will result in account suspension.
   • Reactivation: Once suspended, the account will remain inactive for 30 days, after which it will be reset and the customer will need to start a new cycle of payments.

2. Monthly Payments (Ksh 200)

   • Payment Deadline: Monthly payments are due within 30 days from the date of the last payment.
   • Grace Period: If the payment is not made within the 30-day window, the customer is allowed a 1-week grace period to make the payment without any penalties.
   • Penalty for Late Payment: If payment is not made within the grace period, a 50% penalty (Ksh 100) will be imposed.
   • Suspension of Account: If the payment, including penalties, is not made within 3 weeks after the grace period, the account will be suspended.
   • Reactivation: Accounts suspended due to non-payment will remain inactive for 30 days, after which the account will reset and the customer will need to start a new cycle of payments.

3. Annual Payments (Ksh 2,000)

   • Payment Deadline: Customers selecting the annual payment option must make the payment within 2 weeks of the start of the payment cycle.
   • Penalty for Late Payment: If the payment is not made within the 2-week period, a 25% penalty (Ksh 500) will be applied.
   • Suspension of Account: If payment is not made within 1 month, the customer's account will be suspended.
   • Reactivation: Once suspended, the account will remain inactive for 30 days, after which it will reset and the customer will need to start a new cycle of payments.

4. Additional Provisions:

• The penalties and suspension rules are designed to encourage timely payments and prevent prolonged account inactivity.
• Once an account is suspended, all services will be unavailable until the 30-day period elapses, at which point the customer will have to re-enroll and begin making payments under the chosen plan.
• Bill ya Hosi reserves the right to update or modify these terms as necessary. Customers will be notified of any changes before they take effect.

1. User Accounts and Registration

• Account Creation: Users are required to create an account to access the Bill ya Hosi services. All information provided during the registration process must be accurate, complete, and up to date.
• Account Responsibility: Users are responsible for maintaining the confidentiality of their login credentials. Any activity conducted under a user's account is deemed to be authorized by the account holder. Bill ya Hosi will not be held responsible for unauthorized access to accounts due to failure to protect login information.
• Account Suspension and Termination: Bill ya Hosi reserves the right to suspend or terminate any account that violates these terms, fails to meet payment obligations, or engages in fraudulent or unlawful activities.

2. Service Availability

• Service Access: Bill ya Hosi aims to provide continuous access to its mobile app and services, but it cannot guarantee uninterrupted access due to factors such as system maintenance, technical issues, or external factors beyond its control.
• No Warranty: The service is provided "as is" without warranties of any kind, either express or implied. Bill ya Hosi does not guarantee that the app or services will be free from errors, viruses, or security vulnerabilities.
• Limitation of Liability: Bill ya Hosi shall not be held liable for any losses or damages resulting from the use or inability to use the mobile application, including but not limited to data loss, service interruptions, or unauthorized access to accounts.

3. User Conduct and Prohibited Activities

• Lawful Use: Users must use the Bill ya Hosi services in compliance with all applicable laws and regulations. Any use of the service for illegal, fraudulent, or malicious purposes is strictly prohibited.
• Prohibited Actions: Users agree not to:
  • Reverse-engineer, modify, or interfere with the mobile app or its underlying technology.
  • Distribute or share login credentials with third parties.
  • Use the service to transmit viruses, malware, or harmful code.
  • Engage in any conduct that disrupts or interferes with the proper functioning of the app or its services.

4. Data Privacy and Security

• Data Collection: By using the Bill ya Hosi mobile app, users consent to the collection and use of their personal information in accordance with our privacy policy. This may include contact information, payment data, and usage details.
• Data Protection: Bill ya Hosi is committed to protecting user data. While we use industry-standard security measures to safeguard your information, we cannot guarantee complete protection from unauthorized access or breaches.
• User Responsibility: Users are encouraged to protect their devices and use strong, unique passwords for their accounts. Users are solely responsible for securing their account credentials and for any activity conducted under their account.

5. Payment and Subscription Terms

• Payment Methods: Payments for services must be made through the available payment methods listed in the mobile application, which may exclusively mobile money.
• Auto-renewal (if applicable): Where applicable, subscription services may automatically renew at the end of the billing period unless the user opts out or cancels before the renewal date. Users can manage or cancel their subscriptions within the app settings.
• Refund Policy: Payments made for the Bill ya Hosi services are generally non-refundable unless otherwise stated. Any exceptions or refunds will be at the discretion of Bill ya Hosi and handled on a case-by-case basis.

6. Intellectual Property

• Ownership: All intellectual property rights, including trademarks, logos, software, and content within the Bill ya Hosi app, are the exclusive property of Bill ya Hosi or its licensors. Unauthorized use, reproduction, or distribution of any of the app's content is prohibited.
• License: By using the app, users are granted a limited, non-exclusive, non-transferable license to access and use the service for personal, non-commercial purposes in accordance with these terms.

7. Updates and Modifications

• App Updates: Bill ya Hosi may provide updates or enhancements to the mobile application, which may be automatically installed on user devices. Users agree to receive such updates as part of their continued use of the service.
• Changes to Terms: Bill ya Hosi reserves the right to update or modify these terms at any time. Users will be notified of any significant changes, and continued use of the service after such modifications will constitute acceptance of the new terms.

8. Governing Law and Dispute Resolution

• Governing Law: These terms shall be governed by and construed in accordance with the laws of the jurisdiction in which Bill ya Hosi operates.
• Dispute Resolution: In the event of any disputes arising from the use of the Bill ya Hosi services, users agree to attempt to resolve the dispute informally through the Bill ya Hosi customer service team. If a resolution cannot be reached, the dispute may be submitted to binding arbitration or mediation, depending on local legal requirements.

9. Termination of Service

• Termination by User: Users may terminate their account at any time by discontinuing their use of the service and uninstalling the app.
• Termination by Bill ya Hosi: Bill ya Hosi reserves the right to terminate or suspend a user's account for violations of these terms, non-payment, or other reasons at its sole discretion.