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Terms & Conditions

Last updated: March 11, 2026

1. Introduction

Welcome to SmartInvest. By accessing our platform and using our services, you agree to be bound by these Terms and Conditions. Please read them carefully before using our services.

These terms govern your use of the application, investments made through the platform, and the relationship between you and SmartInvest.

2. Eligibility

  • You must be at least 18 years of age to use our services.
  • You must be a resident of Kenya with a valid Safaricom M-Pesa registered number.
  • You must provide accurate and complete information during the registration process.

3. Investment & Returns

SmartInvest offers fixed daily returns based on the amount deposited. The returns displayed on the platform are estimates based on historical data and current market conditions.

While we strive to provide consistent returns, all investments carry a degree of risk. By using this platform, you acknowledge that you are investing at your own risk.

4. Deposits and Withdrawals

All deposits and withdrawals are processed exclusively through Safaricom M-Pesa. Standard transaction limits and fees imposed by Safaricom may apply. SmartInvest aims to process withdrawals instantly, but delays may occur due to network issues or routine security checks.

5. Account Security

You are responsible for maintaining the confidentiality of your account credentials (including your phone number, password, and OTPs). SmartInvest will not be liable for any losses resulting from unauthorized access to your account if you have shared your credentials.

6. Contact Information

If you have any questions or concerns regarding these Terms and Conditions, please reach out to us at legal@smartinvest.co.ke.