Terms of Use

Last updated: 17 August 2026

These Terms of Use (“Terms”) govern your access to and use of the FishPesa mobile application and website (fishpesa.com), operated by GOLD FISH TECHNOLOGY CO LIMITED (“we”, “us”, “FishPesa”). By downloading, registering for or using FishPesa, you agree to these Terms. If you do not agree, do not use our services.

1. About FishPesa

FishPesa is a digital lending platform that provides short-term personal loans to eligible Kenyan residents. Loans are disbursed and repaid via Safaricom M-Pesa.

Company: GOLD FISH TECHNOLOGY CO LIMITED
Registered office: Timshack House, Ngong Road, Dagoreti District, Nairobi 00100, Kenya
Certificate of Incorporation: PVT-BB1OA9M3
KRA PIN: P052558388D
Support: [email protected]  |  +254 797 492 076

2. Eligibility

To use FishPesa, you must:

• Be at least 18 years of age
• Be a resident of Kenya
• Hold a valid Kenyan national ID
• Have an active Safaricom mobile number registered to M-Pesa
• Provide accurate and complete information during registration and KYC

We reserve the right to decline applications that do not meet our eligibility criteria.

3. Loan Products

Current loan product parameters (subject to change; always refer to in-app disclosure):

• Loan Amount Range: KES 20,000 – KES 50,000
• Loan Tenure: 90 – 180 days
• Minimum APR: 36%
• Maximum APR: 36%
• Disbursement: full loan amount credited to your M-Pesa wallet

4. Application & Approval

Submitting a loan application does not guarantee approval. We assess each application based on the information you provide and authorised data sources. You agree that all information submitted is true, accurate and complete. Providing false information may result in application rejection, account suspension or legal action.

Once submitted, loan application details cannot be modified. Please review all information carefully before confirming.

5. Fees & Repayment

Interest and all applicable fees are disclosed in the app before you submit your application. There are no hidden charges. By accepting a loan offer, you agree to repay the full amount (principal plus interest) by the due date shown in the app.

Repayment is made via M-Pesa STK Push. You are responsible for ensuring sufficient M-Pesa balance to complete repayment. Late or missed payments may affect your credit limit, incur additional charges and impact future loan eligibility.

6. Loan Extension

Where available, you may request a loan extension through the app. Extension fees are displayed before you confirm. Extension does not eliminate your obligation to repay the outstanding balance.

7. M-Pesa

FishPesa uses Safaricom M-Pesa for disbursement and repayment. We never ask for your M-Pesa PIN in the app, on our website or by phone. All M-Pesa transactions are confirmed on your Safaricom handset. M-Pesa services are subject to Safaricom’s own terms and conditions.

8. Permissions & Data

The app may request device permissions (such as phone state, SMS and location) for fraud prevention and credit assessment. Data is collected only after you grant permission and submit a loan application. Our use of your data is governed by our Privacy Policy, which forms part of these Terms.

9. Account Management

You are responsible for:

• Keeping your mobile device and account secure
• Not sharing your account or allowing others to use it
• Notifying us immediately of any unauthorised access

Account deactivation: You may request account closure in the app. All outstanding loans must be repaid first. A 7-day grace period applies — log in within 7 days to cancel closure. After 7 days without login, the account is permanently closed.

10. Prohibited Conduct

You agree not to:

• Provide false, misleading or fraudulent information
• Use the app for any unlawful purpose
• Attempt to circumvent security, fraud-detection or credit-assessment systems
• Reverse-engineer, decompile or tamper with the app
• Use automated tools or bots to access the service

11. Intellectual Property

All content, trademarks, logos and software in the FishPesa app and website are owned by or licensed to GOLD FISH TECHNOLOGY CO LIMITED. You may not copy, modify or distribute any part of our service without written permission.

12. Limitation of Liability

To the fullest extent permitted by Kenyan law, FishPesa shall not be liable for any indirect, incidental, special or consequential damages arising from your use of the service. Our total liability for any claim shall not exceed the amount of fees you paid to us in the 12 months preceding the claim.

We do not guarantee uninterrupted or error-free service. Temporary outages may occur due to maintenance, network issues or third-party service disruptions (including M-Pesa).

13. Changes to Terms

We may update these Terms from time to time. Material changes will be communicated through the app or website. Continued use after changes constitutes acceptance of the updated Terms.

14. Governing Law & Disputes

These Terms are governed by the laws of the Republic of Kenya. Any disputes shall be subject to the exclusive jurisdiction of the courts of Kenya. We encourage you to contact our support team first to resolve any issues.

15. Contact

Email: [email protected]
Phone: +254 797 492 076 (Mon–Sat, 8:00 AM – 6:00 PM EAT)
Address: Timshack House, Ngong Road, Dagoreti District, Nairobi 00100, Kenya