Terms of service

Review notice: this document is a working draft prepared alongside the platform build. It must be reviewed for Kenyan legal and regulatory compliance before public launch, including consumer protection, data protection and anti-money-laundering requirements.

1. Who we are

GREATMULLAH (“we”, “us”) is a privately operated Kenyan platform. Support contact details are listed at the end of this page.

2. Eligibility

You must be at least 18 years old and the rightful owner of the Safaricom number you register with. You must not register a number that belongs to someone else.

3. Your account

Your account is identified by your Safaricom number and protected by a 4 digit PIN. You are responsible for keeping your PIN secret. Do not share it with anyone. We will never ask you for your PIN or your M-Pesa PIN.

One account per person and per phone number. We may suspend or close accounts that attempt to register multiple accounts against the same number or that manipulate referral parameters.

4. M-Pesa number confirmation and activation

After registration we ask you to confirm your M-Pesa number and to approve a KES 1 check transaction. The check confirms that the number can receive and process M-Pesa transactions. You are then asked to approve a one-off KES 100 activation fee, which switches your account on. Your account is activated only once that payment has been confirmed by our payment provider. Simply starting the request does not activate your account.

5. Earnings and payouts

Eligible earnings are recorded in your wallet ledger with a reference, type, status and timestamp. When an eligible earning qualifies for payout, we automatically initiate an M-Pesa payment to your verified number. You do not need to submit a withdrawal request.

If a payout fails, the amount is returned to your wallet ledger and the failure is recorded. Repeated failures may require you to correct your M-Pesa number before further payouts are attempted.

6. Referrals

Each account has one unique referral code. Referrals must be genuine: self referrals, duplicate referrals, referrals between accounts sharing the same number, and referral parameter manipulation are prohibited.

There are no levels, ranks, teams or multi-tier commissions in GREATMULLAH. Any promotional material suggesting otherwise is not authorised by us.

7. Prohibited use

• Impersonating another person or registering a number you do not own
• Attempting to manipulate balances, payouts, referrals or verification states
• Attacking, probing or scraping the platform
• Using the platform for money laundering or any unlawful activity

8. Fees

The KES 1 transaction is a number check, not a fee paid to us. The KES 100 activation fee is charged once to switch an account on, and is not charged again on renewal. Any other fees, where they apply, will be disclosed clearly before you incur them.

9. Suspension and closure

We may suspend an account while we investigate suspected fraud or non-compliance. Financial records are retained after closure for reconciliation and legal purposes. Records are never deleted to hide a transaction.

10. Limitation of liability

We are not liable for losses caused by mobile network outages, M-Pesa service interruptions, incorrect numbers you supplied, or events outside our reasonable control.

11. Changes to these terms

We may update these terms. Material changes will be announced on the platform and in our WhatsApp group before they take effect.

12. Contact

• PlatformGREATMULLAH