terms.

Duara is a coordination and record-keeping platform for chamas, family investment clubs, estate associations, and other community savings groups. It exists to give groups that already run on trust and shared rules a shared, tamper-evident record of those rules and the activity that flows from them — without taking over the group's money or its decisions.

On Duara, your group can:

• Record contributions, track pool balances, and manage withdrawal requests.
• Request, approve, disburse, and repay loans between members, according to your own group's rules.
• Apply fines and enforce group rules consistently, using a shared fine and interest distribution system.
• Run merry-go-round (MGR / "table banking") payout cycles, with slot management and an auditable payout history.
• Write and vote on a constitution — your group's own rulebook — which controls approval thresholds and what features are available to your group.
• Communicate through group chat, notices, announcements, and meeting minutes.
• Generate documents — loan agreements, proposals, meeting minutes, financial reports, and the constitution itself — each cryptographically hashed at the time of creation so that any later tampering can be detected.
• Wind a group down in an orderly way through a structured dissolution process, when the group decides to do so.

Duara Records, an optional paid subscription, lets you export your group's financial history as a portable, verifiable record — useful, for example, when a member needs proof of savings history for another purpose.

• "Group" or "Chama" — the savings circle or community you belong to on Duara.
• "Constitution" — the set of rules your group writes and votes on within Duara, governing approval thresholds, roles, and available features.
• "Pool" — your group's tracked balance of contributions, available for loans, withdrawals, or distribution as your constitution provides.
• "MGR" — a merry-go-round or table-banking payout cycle, where members receive pooled contributions in rotating turns.
• "Duara Records" — the optional paid subscription for exporting a group or member's financial history.
• "Content" — any information, message, document, or data you or your group submit to Duara.

You must be at least 18 years old and capable of forming a binding contract under Kenyan law to use Duara. When you register, you agree to provide accurate information and to keep it up to date.

You're responsible for keeping your account credentials secure and for all activity that happens under your account. If you suspect unauthorised access to your account, contact us immediately.

You may belong to more than one group on Duara. Each group operates independently, governed by its own constitution.

• Duara does not process, initiate, transmit, route, or take custody of money belonging to you or your group, at any point.
• All contributions, loan disbursements, repayments, fine payments, and withdrawals happen directly between members, using payment methods your group chooses for itself — for example M-Pesa, bank transfer, or cash — entirely outside of Duara.
• When you or another member records a transaction in Duara (for example, marking a contribution as paid), you are creating a record that the transaction happened — you are not instructing Duara to move money, and Duara has no capability to do so.
• Duara does not independently verify that funds recorded in the app actually changed hands. You and your group are solely responsible for confirming that a transaction genuinely occurred before recording it.

Because Duara does not provide payment services, it operates outside the licensing regime administered by the Central Bank of Kenya under the National Payment System Act. If our service ever expands to include payment processing, we will update these Terms, notify you, and obtain any required regulatory authorisation before doing so.

Each group on Duara is governed by its own constitution — a set of rules your group writes, votes on, and can amend over time, subject to any cooldown periods and versioning rules built into the app. Duara enforces your constitution's rules at a technical level, for example by requiring the approval threshold your group has set before a loan or major decision takes effect.

Your constitution is an agreement between your group's members — it is not a contract with Duara, and Duara does not draft, review, or vouch for its legal adequacy or enforceability. If your group needs certainty on a legal point, we encourage you to seek independent legal advice.

When using Duara, you agree not to:

• Use the app for any unlawful purpose, including fraud, money laundering, or financing of illegal activity.
• Impersonate another person, or provide false information about yourself, your group, or a transaction.
• Attempt to interfere with, disrupt, or gain unauthorised access to Duara's systems or other users' accounts.
• Harass, threaten, or abuse other members through Duara's chat or communication features.
• Use Duara to record or facilitate transactions you know to be fraudulent or not genuinely agreed to by the relevant parties.

We may suspend or terminate accounts that violate this section, with notice where reasonably possible.

Duara generates documents based on what your group records in the app — including loan agreements, constitutions, meeting minutes, and financial reports — and cryptographically hashes each one at creation.

This hash proves a document has not been altered after it was generated. It does not, by itself, make the underlying document a legally binding or enforceable contract, and it does not independently verify the truth of the information members entered. Whether a Duara-generated document is legally binding depends on ordinary principles of Kenyan contract law — for instance, whether it genuinely reflects an agreement between the relevant parties. Duara does not provide legal advice. Groups handling significant sums, or facing a dispute about the validity of a document, should seek independent legal counsel.

Duara gives your group the tools to define its own rules, vote, and keep shared records — but we are not a party to any agreement between you and your group, and we do not mediate, adjudicate, or resolve disputes between members, including disagreements about whether a payment was made, whether a loan should be repaid, or how a constitution should be interpreted.

Where your group's constitution sets out its own dispute resolution process, we encourage you to use it. At our discretion, we may provide relevant records to help a dispute along, without taking a position on its merits.

Core group coordination features are free to use. Duara Records is an optional paid subscription for exporting your financial history.

• Subscription pricing and billing terms are disclosed clearly before you pay, consistent with the disclosure requirements for remote/internet agreements under Kenya's Consumer Protection Act.
• You can cancel your Duara Records subscription at any time; cancellation takes effect at the end of your current billing period, and we don't charge you again after that.
• We'll give you reasonable notice before any price change takes effect for your next billing cycle.

Duara — including its name, branding, design, and underlying software — is owned by Pluribus Tech Limited and protected by applicable intellectual property law. These Terms don't grant you any rights to our trademarks, branding, or source code beyond what's needed to use the app as intended.

You retain ownership of the content you or your group submit to Duara — messages, documents, and records. By submitting it, you grant us a license to host, process, store, and display it as necessary to provide the service to you and your group.

You may delete your account at any time. This removes your personal profile data as described in our Privacy Policy; group financial records you were part of may persist as part of your group's audit trail.

We may suspend or terminate your access to Duara if you violate these Terms, or where we reasonably believe your account is being used for fraud or illegal activity. Where possible, we'll notify you and explain why.

A group itself can only be wound down through Duara's structured dissolution process, which follows your group's own constitution and requires the relevant member approvals — Duara does not unilaterally dissolve a group.

Duara is provided "as is" and "as available." We work hard to keep it reliable, but we don't guarantee that the app will be uninterrupted, error-free, or available at all times.

We don't guarantee the accuracy of information members enter, the creditworthiness of any member, the repayment of any loan, or the outcome of any group decision. Your group's financial and governance activity is your group's responsibility — Duara provides the tools, not the judgment calls.

To the maximum extent permitted by Kenyan law, Duara and Pluribus Tech Limited are not liable for indirect, incidental, or consequential damages arising from your use of the app, including financial losses arising from another member's actions, a disputed transaction, or a loan that isn't repaid.

You agree to indemnify and hold Pluribus Tech Limited harmless from any claim, loss, or expense (including reasonable legal fees) arising from your violation of these Terms, your misuse of the app, or a dispute between you and another member of your group.

We may update Duara's features and these Terms from time to time. When we make material changes to these Terms, we'll notify you in the app and update the "Last updated" date above. Continued use of Duara after a change takes effect means you accept the revised Terms.

Last updated: July 2026  ·  Effective date: July 2026

These Terms are governed by the laws of Kenya. If a dispute arises between you and Duara, we'd rather resolve it directly — contact us first using the details below. If we can't resolve it that way, the courts of Kenya have exclusive jurisdiction over any dispute arising from these Terms or your use of Duara.

• Severability — if any part of these Terms is found unenforceable, the rest remains in effect.
• Entire agreement — these Terms, together with our Privacy Policy, are the entire agreement between you and Duara regarding the app.
• No waiver — our failure to enforce any part of these Terms isn't a waiver of our right to do so later.
• Assignment — we may assign these Terms in connection with a merger, acquisition, or sale of assets; you may not assign your account or rights under these Terms without our consent.
• Force majeure — we're not liable for delays or failures caused by circumstances beyond our reasonable control.
• Relationship of the parties — nothing in these Terms creates a partnership, agency, joint venture, or employment relationship between you and Duara.