Effective Date: December 29, 2022
Last Updated: April 20, 2025
Welcome to Kakuleta, your financial navigator. By accessing or using the Kakuleta app and services, you agree to comply with and be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not use our services.
Kakuleta provides tools and insights to help users manage personal finances, investments, and loans. While the app offers real-time data and calculators, it is not a substitute for professional financial advice.
You must be at least 13 years old to use the Kakuleta app. If you are under 18, you may only use the app under the supervision and permission of a parent or legal guardian.
Users must provide accurate and up-to-date information when using the app’s features. Users are responsible for their own financial decisions and outcomes based on the app’s tools and insights.
Users agree not to misuse the app, including but not limited to hacking, reverse-engineering, or disrupting its services.
We value your privacy. Please refer to our Privacy Policy for details on how we collect, use, and protect your information.
We collect financial data such as budgets and investment preferences to improve your experience. We will not share your data with third parties without your consent, except where required by law.
Kakuleta sources data from trusted institutions such as the Bank of Zambia and the Lusaka Stock Exchange. However, all financial data is for informational purposes only. We do not guarantee accuracy or timeliness, and users should independently verify data before making financial decisions.
Kakuleta offers calculators for loans, fixed deposits, treasury bills, and forex. These tools provide estimates and are not exact or binding. Users are advised to consult a financial advisor for critical financial decisions.
Kakuleta may contain links to external sites or services provided by third parties. We are not responsible for the content, policies, or security of third-party services. Use of such services is at the user’s own risk.
As of now, all features are free. If premium features or subscriptions are introduced in the future, users will be notified in advance and may opt in.
If applicable, users agree to pay fees for premium services. Subscriptions may renew automatically unless canceled before the billing cycle ends. Refunds, if offered, will follow the applicable policy.
Kakuleta is not liable for financial losses or damages resulting from the use of our app. We are not responsible for delays, errors, or interruptions in data services. All financial decisions are made at the user’s own risk.
All financial data input by users remains their property. By using the app, you grant Kakuleta limited rights to process and use this data to deliver services. Upon account deletion, some data may be retained to meet legal obligations before being permanently deleted.
Users are responsible for maintaining the confidentiality of their login credentials. We recommend using strong passwords and enabling available security features. Notify us immediately in case of suspected unauthorized access.
We reserve the right to suspend or terminate any user account found in violation of these Terms. Users may request to terminate their account at any time. Data may be retained as needed to comply with legal requirements.
These Terms may be updated to reflect service changes or legal requirements. Significant changes will be communicated through the app or email. Continued use of Kakuleta implies acceptance of any updated terms.
These Terms are governed by the laws of Zambia, without regard to conflict of law principles.
Email: kakuleta.app@gmail.com
Phone: +260 978 853 694