Napier Platform
Terms of Use

1. Purpose of the Platform

Napier is designed to support private family groups, community groups, chama-style groups, investment circles, sponsor programmes, diaspora networks, alumni groups, and other invited or member-led private groups. The platform provides digital tools to help groups manage records, contributions, roles, approvals, lending pool workflows, projects, campaigns, reports, and governance in a transparent, accountable, and structured way.

Napier is a technology platform. Your group remains responsible for its own rules, members, funds, approvals, records, communications, contributions, loans, projects, tax obligations, regulatory obligations, and compliance with applicable laws.

3. Group Creation & Group Responsibility

When starting, joining, administering, or sponsoring a group, you confirm that:

• You have the permission or authority required to create, administer, sponsor, or participate in the group.
• The information submitted to Napier is accurate, truthful, and not misleading.
• You will follow Napier’s registration, verification, and access-control processes.
• You understand that group approval, package activation, or access to certain modules may be subject to administrative review.
• Your group is responsible for its own constitution, bylaws, operating rules, approvals, communications, decisions, records, member obligations, and compliance.

4. Roles, Permissions & Accountability

Napier supports role-based access and workflows for different group users, which may include admins, members, chairpersons, secretaries, treasurers, trustees, committee members, custodians, sponsors, and other authorized roles. Each group is responsible for assigning roles carefully and ensuring that users act within their authority.

Users must not use their role to mislead members, hide records, override group rules, manipulate contributions, alter loan records, misuse votes, approve unauthorized disbursements, or access information they are not permitted to view.

5. Member Data, Consent & Privacy

Napier values privacy and the ethical handling of personal information. When adding members, sponsors, custodians, beneficiaries, or other individuals to your group records, you confirm that:

• You have a lawful basis, permission, or consent to submit their details where required.
• You will only add accurate and relevant information.
• You will handle personal data responsibly and respect member confidentiality.
• You will not upload sensitive information unless it is necessary and authorized.
• You will follow applicable data protection laws and Napier’s Privacy Policy.

6. Funds, Contributions, Payments & Disbursements

Napier provides record-keeping and workflow tools for contributions, repayments, security fund records, billing records, disbursement records, and related group activity. Napier does not hold, pool, receive, custody, control, or disburse member funds on behalf of groups unless expressly stated in a separate written agreement involving an appropriately regulated third-party provider.

Payments, transfers, deposits, withdrawals, loan disbursements, repayments, sponsor payments, campaign support, or project funding are handled directly by the group, its members, or approved third-party payment or financial service providers. Each group is responsible for verifying, reconciling, approving, and documenting its own financial activity.

7. Lending Pool Workflows

Napier may help groups record internal lending pool activity, including loan requests, approvals, disbursements, repayment schedules, repayment verification, pool income, collateral records, and escalations. Napier does not issue loans, provide credit, guarantee repayment, set interest terms, collect debts, or make lending decisions for groups.

Any internal lending activity remains the responsibility of the relevant group and its authorized members. Groups must ensure their lending practices comply with their own rules and applicable law.

8. Campaigns, Projects, Sponsors & Angel Network Tools

Napier may provide private tools for group campaigns, projects, sponsor programmes, sponsor credits, impact records, project documents, payouts, and angel-network-style workflows. These tools are intended for private or invited group networks, not unrestricted public fundraising, public crowdfunding, public investment solicitation, or public securities offerings.

Any campaign, project, sponsor programme, angel-network opportunity, or group initiative is created, approved, communicated, funded, and managed by the relevant group and authorized users. Napier does not endorse, verify, guarantee, underwrite, or advise on any campaign, project, opportunity, or investment decision.

9. Units, Slots, Collateral, Markets & Private Records

Depending on the group package and configuration, Napier may support membership slots, unit records, unit holdings, unit transfers, collateral records, private listings, trade history, secondary record workflows, and related documentation. These tools are private record-keeping and workflow tools for authorized group users.

Napier does not operate a public securities exchange, trading venue, broker service, investment platform, or public marketplace. Any private transfer, listing, collateral record, unit record, or group-related transaction is the responsibility of the relevant group and its authorized members, subject to their own rules and applicable law.

10. Governance, Meetings, Voting & Audit Trails

Napier may support governance workflows such as committees, meetings, attendance, resolutions, voting, veto registers, approvals, audit logs, notifications, and reports. These tools are designed to improve transparency and accountability, but they do not replace your group’s own constitution, legal obligations, or decision-making responsibilities.

Groups are responsible for ensuring that votes, meetings, resolutions, approvals, records, and decisions are properly authorized, documented, communicated, and compliant with applicable rules and laws.

11. Credit Scoring, Ubuntu Index, Badges & Member Signals

Napier may provide internal group scoring, behavioral records, badges, tiers, credit scoring, Ubuntu Index, diagnostics, or member participation signals. These tools are intended to support private group administration, accountability, engagement, and risk visibility.

Napier does not guarantee that any score, badge, tier, diagnostic, or member signal is complete, error-free, or suitable for making legal, employment, credit, lending, investment, or other regulated decisions. Groups must use these tools responsibly and in line with applicable law.

12. Billing, Packages & Subscription Management

Napier may offer different billing packages, subscription tiers, module limits, member limits, admin limits, custom plans, sponsor programmes, enterprise plans, setup services, and support arrangements. Package features, limits, pricing, and availability may change from time to time.

If your group subscribes to a paid package, you agree to pay the applicable fees and any related charges according to the package selected and the billing terms communicated to you. Failure to pay applicable fees may result in suspension, limitation, downgrade, or termination of access.

13. Acceptable Use

Users agree not to misuse the Napier platform or engage in activities such as:

• Submitting false, misleading, defamatory, fraudulent, or unlawful information.
• Using Napier for fraud, harassment, money laundering, illegal fundraising, unlawful lending, unauthorized investment activity, or other illegal conduct.
• Attempting to bypass security, role permissions, billing controls, verification processes, or access restrictions.
• Accessing, exporting, changing, deleting, or sharing data that you are not authorized to handle.
• Manipulating contributions, repayments, loan cycles, disbursements, unit records, scores, votes, approvals, or member records.
• Uploading malware, harmful code, spam, or content that interferes with platform operations.
• Using Napier in a way that harms members, sponsors, groups, administrators, or the platform.

14. Verification, Review & Platform Administration

Napier may require verification, email OTP confirmation, administrative review, documentation, billing verification, role confirmation, or additional checks for registration, group creation, sponsor programmes, large groups, sensitive operations, package changes, or security reasons.

Napier may suspend, limit, or decline access where information appears inaccurate, unauthorized, unlawful, risky, abusive, or inconsistent with these Terms.

15. Security & User Responsibilities

Napier implements reasonable security measures to safeguard platform data and group information. However, users also share responsibility by:

• Keeping login credentials safe.
• Using strong passwords and secure devices.
• Avoiding sharing passwords or sensitive group details with unauthorized persons.
• Reporting suspicious activity, unauthorized access, or data errors promptly.
• Reviewing group permissions and user roles regularly.

16. Data Accuracy, Records & No Guarantee

Napier relies on information entered, verified, approved, or uploaded by users and groups. Napier does not guarantee that all group records, balances, contributions, loan records, unit records, campaign records, reports, or scores are complete, accurate, or current. Groups and authorized users are responsible for checking, reconciling, correcting, and approving their own records.

17. Third-Party Services

Napier may reference or integrate with third-party providers, including payment, communication, storage, analytics, identity, or financial service providers. Third-party services are governed by their own terms, policies, fees, and compliance obligations. Napier is not responsible for third-party service failures, charges, delays, or decisions.

18. Intellectual Property

Napier, its software, designs, workflows, documentation, brand assets, logos, content, and related materials are owned by Napier or its licensors. Users may not copy, reverse engineer, resell, reproduce, or misuse the platform except as permitted by Napier in writing.

19. Limitation of Liability

To the maximum extent permitted by law, Napier is not liable for losses arising from group decisions, member disputes, inaccurate user-submitted records, unauthorized approvals, failed repayments, project outcomes, campaign outcomes, sponsor decisions, investment losses, third-party services, regulatory non-compliance by a group, or misuse of the platform.

20. Suspension or Termination

Napier may suspend, restrict, or terminate access to the platform if a user or group violates these Terms, creates legal or security risk, fails to pay applicable fees, misuses the platform, or engages in unauthorized, harmful, fraudulent, or unlawful activity.

21. Changes to These Terms

Napier may update these Terms of Use from time to time to improve clarity, security, legal compliance, product operations, and platform governance. Continued use of the platform after changes are posted means you agree to the most recent version of the Terms.

22. Contact & Support

If you have questions about these Terms or need help with your account, group registration, package, or platform access, please contact:

Email: support@napier.ke
Phone: +254 722 592 153

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