Terms of Service — Safaricoin

1. Acceptance of Terms

By accessing or using the Safaricoin platform at safaricoin.co.ke or app.safaricoin.co.ke, you agree to be bound by these Terms of Service. If you do not agree to these terms, you may not use our services. Safaricoin Ltd. reserves the right to update these terms at any time with notice to registered users.

2. Eligibility

You must be at least 18 years of age to use Safaricoin. By registering, you represent that you are legally permitted to invest in digital asset-linked investment products in your jurisdiction. Residents of jurisdictions where such products are prohibited are not permitted to use this platform.

3. Investment Returns

The annual return rates stated (4.5%, 2.5%, 5%, and 3.9% for the Beginner, The Daily Guardian, The Treasury Accelerator, and The Sovereign Max tiers) are target rates based on our current fund allocation strategy. They are not guaranteed. Actual returns may be higher or lower depending on market conditions, DeFi protocol performance, and government securities yields. Safaricoin Ltd. makes no guarantee of capital preservation or fixed returns.

4. KYC and AML Compliance

All users must complete Know Your Customer (KYC) identity verification before depositing or withdrawing funds. This is required for Anti-Money Laundering (AML) compliance. We reserve the right to suspend or terminate accounts that fail KYC, provide false information, or are associated with suspicious activity.

5. Deposits and Withdrawals

All deposits must be made in USDT on BNB Smart Chain (BEP-20). Deposits on incorrect networks (ERC-20, TRC-20) cannot be recovered. Lock-up periods apply to The Daily Guardian (3 days), The Treasury Accelerator (7 days), and The Sovereign Max (30 days) tiers. Safaricoin processes withdrawal requests within 24 hours for amounts above $50 USDT.

6. Risk Acknowledgment

By investing, you acknowledge that: (a) cryptocurrency and DeFi investments carry significant risk; (b) past performance is not indicative of future results; (c) you may lose some or all of your invested capital; (d) you are investing based on your own independent assessment and risk tolerance.

7. Platform Availability

We strive for 100% uptime but cannot guarantee uninterrupted service. Safaricoin Ltd. is not liable for losses arising from platform downtime, maintenance windows, or technical failures beyond our reasonable control including blockchain network congestion or third-party service outages.

8. Governing Law

These Terms are governed by the laws of the Republic of Kenya. Any disputes shall be resolved through arbitration in Nairobi, Kenya under the Arbitration Act of Kenya.

9. Contact

For questions about these Terms, contact us at support@safaricoin.co.ke.