Faraja Cashback

Terms & Conditions

Please read our terms and conditions carefully before proceeding with registration.

Service Agreement

Edomx Loyalty Service Description

Edomx provides a comprehensive cashback loyalty platform that enables merchants to offer instant M-PESA cashback to customers, driving increased sales and customer retention through automated reward systems.

Service Level Agreements

We guarantee 99.5% uptime for our platform services. Our systems are monitored 24/7 with automatic failover mechanisms to ensure continuous service availability.

Customer Support & Dispute Resolution

Technical support is available Monday-Friday 8AM-6PM EAT. Disputes are resolved within 48 hours through our dedicated merchant support team. Emergency support is available 24/7 for critical issues affecting payment processing.

Financial Terms

Commission Structure

Merchants earn 40% commission on all cashback transactions. Commission is calculated as: (Transaction Amount × Cashback Rate × 40%). Minimum commission per transaction is KSH 0.50.

Platform Fees & Payment Schedule

Monthly platform fee of KSH 500 for basic service. Payments are processed weekly every Friday. Commission payments are made via M-PESA to your registered business number.

Refund & Chargeback Policies

Refunds are processed within 3-5 business days. Chargebacks are deducted from future commission payments. Merchants are liable for fraudulent transactions on their accounts.

Authorization Scope

M-PESA Debit Permissions

By accepting these terms, you authorize Edomx to automatically debit your M-PESA business account for loyalty program fees as outlined above.

Authorized Transaction Types

Authorization covers: monthly platform fees, cashback payments to customers, commission adjustments, and chargeback recoveries.

Transaction Limits

Daily debit limit: KSH 50,000. Single transaction limit: KSH 10,000. Authorization is valid for the duration of your service agreement and renews automatically unless cancelled.

Data Usage

Data Collection & Usage

We collect customer transaction data, phone numbers, and purchase patterns to provide loyalty services. Data is used for cashback processing, analytics, and service improvement.

Data Protection Measures

All data is encrypted in transit and at rest. We comply with Kenya's Data Protection Act 2019. Customer data is stored securely and access is restricted to authorized personnel only.

Third-Party Sharing

Customer data may be shared with Safaricom for M-PESA processing and with analytics partners for service optimization. No data is sold to third parties.

Cancellation Policy

Contract Termination

Either party may terminate this agreement with 30 days written notice. Immediate termination is allowed for breach of terms or fraudulent activity.

Final Settlement Process

Upon termination, final commission payments are processed within 14 days. Outstanding fees are deducted from final payments. Refunds for prepaid services are processed within 30 days.

Data Retention

Transaction data is retained for 7 years for compliance purposes. Customer data is anonymized after 2 years. Merchants may request data deletion subject to legal requirements.

Dispute Resolution

Dispute Escalation Process

Step 1: Contact merchant support. Step 2: Escalate to senior management within 5 days. Step 3: Formal mediation if unresolved within 14 days.

Arbitration Procedures

Unresolved disputes are subject to binding arbitration under the Arbitration Act 1995 of Kenya. Arbitration takes place in Nairobi with proceedings in English.

Governing Law & Contact

This agreement is governed by Kenyan law. For disputes, contact: legal@edomx.co.ke or call +254-700-123-456. Physical address: Edomx Limited, ABC Place, Waiyaki Way, Nairobi.