Disclaimer

Please read this before you deal with any business you meet through ZangCash Pay.

Effective 13 October 2026

We are a marketplace

ZangCash Pay connects customers with independent businesses. We are not the seller, landlord, lender, insurer, school, internet provider, or contractor. Every deal is between you and the business. We do not guarantee any price, quote, quality, availability, approval or result, and we are not responsible for what a business says or does.

Verified does not mean guaranteed

We check businesses by hand before they can take requests. That check is not an endorsement or a guarantee. Always do your own checks, read the terms, and keep your receipts.

Stay safe. Never pay before you have seen the goods, the house or the service terms. Never share your M-Pesa PIN, password or SMS code. ZangCash never asks for them and never asks you to pay to make a request.

Rentals and property

View a property in person before you pay any deposit or rent, confirm who owns or manages it, and get a written agreement. Be careful with anyone who asks for money before a viewing.

Phones, laptops and instalments

Check the device, the warranty and the receipt. For instalment plans, make sure you understand the total price, the deposit, the instalments and what happens if you miss a payment.

Fundis and services

Agree the work and the price in advance. We do not inspect or guarantee the work of any fundi or provider.

Home Wi-Fi and courses

Confirm coverage, speeds, installation fees and contract length with the provider. For courses, confirm fees, schedule and certification with the school.

Loans and finance

ZangCash is not a lender, bank or financial adviser, and nothing on this site is financial advice. Loans are offered only by independent lenders that we approve and which must hold the licences Kenyan law requires. We cannot promise that any lender will approve you. Read the full cost, including interest and every fee, before you accept. Never pay an upfront fee to “release” a loan. Borrow only what you can repay.

Information on this site

Information on ZangCash Pay is general and may change. It is not legal, financial, medical or professional advice. We try to keep it accurate but do not promise that it is complete or up to date. We are not affiliated with any government agency or any company named on this site unless we say so.

Availability and links

We do not promise that the Service will always be available or free of errors. Links to other sites are for convenience, and we are not responsible for their content.

Limit of responsibility

To the extent the law allows, ZangCash Pay Ltd is not liable for losses from dealings between customers and businesses. See our Terms of Service for details. Nothing here limits any right you have under Kenyan law that cannot be limited.

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