Terms of Use

1. Acceptance of these terms

By using JiPange (the “Service”), you agree to these Terms of Use. If you do not agree, please do not use the Service.

2. What JiPange is

JiPange provides free financial calculators, goal planners, and an AI-generated action plan based on anonymous inputs you provide (such as income range, savings situation, and goals). The Service is intended as a general educational and planning tool for personal use. No account or registration is required.

3. Not licensed financial advice

JiPange is not a licensed financial advisor, tax consultant, or investment manager, and nothing on this Service constitutes professional financial, tax, legal, or investment advice. Calculator results and AI-generated recommendations are estimates based on the figures you enter and general assumptions (such as the KRA PAYE bands in effect at the time of the calculation) — they may not reflect your exact tax liability, statutory deductions, or the best decision for your circumstances.

Always confirm figures against your payslip or KRA's own tools, and consult a licensed professional before making significant financial decisions.

4. Eligibility

You must be at least 18 years old to use JiPange.

5. Data and privacy

JiPange does not require registration and does not collect personal data. All calculations run in your browser. Any profile data you choose to enter is saved only in your browser's local storage and never sent to our servers. See our Privacy Policy for the full details.

6. Acceptable use

You agree not to misuse the Service — including attempting to disrupt it, scrape it at scale, or use it for any unlawful purpose.

7. Third-party services and affiliate links

JiPange relies on third-party providers to operate, including Anthropic (to generate AI action plans from anonymous inputs) and Netlify (hosting). Your use of features that rely on these providers is also subject to their own terms and policies.

Some calculator result pages include links to regulated Kenyan financial products — Money Market Funds, Treasury Bills (DhowCSD), and similar instruments. These links may be affiliate referral links: JiPange may earn a small commission if you open an account through them, at no extra cost to you. Each product card clearly states whether it carries an affiliate relationship. We link only to CMA- or CBK-regulated products; inclusion is not a guarantee of suitability for your circumstances.

8. No warranty

The Service is provided “as is” without warranties of any kind, express or implied. We do not guarantee that calculations, projections, or AI-generated recommendations are accurate, complete, or suitable for your situation. Tax rules and rates change — always verify against official sources.

9. Limitation of liability

To the fullest extent permitted by law, JiPange and its operators are not liable for any loss or damage arising from your use of, or reliance on, the Service, including financial decisions made based on calculator results or AI-generated plans.

10. Changes to these terms

We may update these Terms from time to time. Continued use of the Service after a change means you accept the updated Terms.

11. Governing law

These Terms are governed by the laws of Kenya.

12. Contact

Questions about these Terms can be sent to hello@jipangefinance.app.