Effective Date: January 1, 2026 | Last Reviewed: July 14, 2026
Welcome to Ognimohub. These Terms of Service ("Terms") govern your access to and use of the Ognimohub website, mobile applications, APIs, and related services (collectively, the "Service" or "Platform") provided by Ognimohub Agency ("Ognimohub," "we," "us," or "our").
By accessing or using the Service, you agree to these Terms, our Privacy Policy, and other policies incorporated into them. If you do not agree, you must not use the Service.
Ognimohub provides cross-platform Mobile Financial Services for users, agents, and merchants, including payments, transfers, remittances, and investment features.
"Account" means an account created to access the Platform.
"Agent" means an individual or entity authorized by Ognimohub to provide designated services.
"API" means Application Programming Interface.
"Fiat Currency" means government-issued currency.
"Merchant" means a business or individual using the Platform to accept payments.
"MFS" means Mobile Financial Services.
"PSP" means Payment Service Provider.
"Public Holiday" means an officially designated public, national, or bank holiday.
"Service" or "Platform" means Ognimohub websites, mobile applications, APIs, and related services.
"User" means any person or entity accessing or using the Platform, including Agents and Merchants.
"Virtual Card" means a digital payment card issued for permitted online transactions.
You must be at least eighteen (18) years old and legally capable of entering a binding agreement. By using the Service, you represent that these requirements are satisfied. Ognimohub may refuse or restrict service where permitted by law.
An Account is required for most features. You agree to provide accurate, current, and complete information, keep it updated, protect your login credentials, and promptly report unauthorized access to support@ognimohub.com. You are responsible for activity under your Account except where applicable law provides otherwise.
Ognimohub may require identity, government ID, business, tax, ownership, and source-of-funds information. We may use verification providers. Failure to satisfy KYC/AML or compliance requirements may result in restriction, suspension, termination, or holding of funds.
We collect personal, KYC, financial, transaction, support, device, and other information needed to provide, secure, and regulate the Service, including optional feature data.
Ognimohub does not sell or rent Personal Data. Information may be disclosed to payment providers, banks, verification vendors, technology providers, advisers, auditors, regulators, law enforcement, and other processors where needed to operate the Service or comply with law.
We use safeguards including encryption in transit, access controls, monitoring, security testing, and restricted access to Personal Data.
Users may fund Accounts and transfer funds to supported recipients using available payment methods. Funds must come from lawful, verifiable sources. Users must verify recipient details. Ognimohub may request source-of-funds information and may delay, reject, hold, reverse, investigate, or report transactions for fraud, security, or compliance reasons. We are not responsible for user errors.
Users may purchase supported airtime or mobile credit through available providers. Users must verify the destination number. Confirmed recharge transactions are generally final.
Withdrawals are subject to account verification, limits, processing requirements, and receiving-institution policies. Ognimohub may delay, reject, hold, or reverse a withdrawal for fraud, compliance, technical, or regulatory reasons.
Where a service is subject to holiday restrictions, withdrawals, cash-outs, bank transfers, and specified remittances may be unavailable on Public Holidays and may resume on the next business day.
Investment proceeds remain subject to the lock-in and review rules in Section 4.12. Locked funds cannot be withdrawn until applicable plan conditions are satisfied.
Users may pay supported merchants, bills, products, or services and initiate supported bank transfers. Users must verify payment and bank details before confirmation. Bank transfers depend on banking hours, clearing windows, limits, holidays, and receiving institutions. Where available, microfinance products may be provided directly or through licensed partners under separate terms covering eligibility, interest, fees, and repayment.
Eligible users may generate virtual cards for permitted online transactions, subject to limits and restrictions. Users must protect card credentials and report suspected unauthorized use to support@ognimohub.com.
Users may pay supported utility bills. Users are responsible for entering correct biller details and references. Ognimohub is not responsible for user errors or delays caused by a biller's systems.
Supported donations are generally final and non-refundable unless required otherwise by law. Ognimohub does not guarantee the specific use of donated funds by the recipient.
Users may make supported education payments. Users must verify student and institution details before confirmation. We are not responsible for user errors or institutional processing delays.
Ognimohub recommends Two-Factor Authentication (2FA) for User Accounts and may require it for security-sensitive activities. 2FA is mandatory for Agent and Merchant accounts. Users must safeguard authentication credentials.
Where offered, Ognimohub may provide access to Stocks, Bonds, and Exchange-Traded Funds (ETFs).
Investments involve risk, including possible loss of principal. Ognimohub does not guarantee profits, returns, market performance, or preservation of capital. Users should conduct independent research and seek qualified advice.
Stocks plans may use Daily, Weekly, Monthly, or Yearly cycles. Standard, non-promotional Stocks returns may become withdrawable when credited, subject to ordinary withdrawal rules. Promotional Stocks may remain locked until the plan is completed and any applicable review period has ended.
Where applicable, Daily plans may allow one active plan and one per calendar month; Weekly plans one active plan and two per month; Monthly plans three concurrent plans per month; and Yearly plans up to twelve active plans. Ognimohub may change limits.
Bonds and ETF plans may have fixed maturity and lock-in periods. Principal and returns may remain unavailable until maturity and completion of review requirements. Early redemption or partial withdrawal may be prohibited.
Locked investment funds must not be withdrawn, transferred, or otherwise accessed before the applicable release conditions. Unauthorized attempts may result in account restrictions, investigation, loss of benefits where legally permitted, or termination.
By enrolling in an investment plan, you acknowledge and accept its displayed terms, risks, fees, lock-in requirements, review periods, and withdrawal conditions.
Users may send domestic or cross-border remittances through supported bank, wallet, or cash-pickup channels. Enhanced identity and compliance checks may apply.
Processing times, exchange rates, fees, limits, and availability may depend on licensed partners and regulatory requirements. Users are responsible for recipient details. Ognimohub is not responsible for delays or rejection caused by partner systems, recipient restrictions, or events beyond its reasonable control.
The User Application enables individuals to manage supported financial services under Section 4 and applicable security, verification, fee, limit, and transaction rules.
Agents must complete onboarding, identity verification, screening, compliance training, and any required agreement and maintain all required licenses or permits.
Agents are subject to source-of-funds checks, enhanced due diligence, transaction monitoring, and applicable limits. They must follow approved cash procedures, verify customers where required, issue confirmations, maintain records, report suspicious activity, and protect cash. Unauthorized fees, manipulation, false representations, and misuse of customer information are prohibited.
Agents may access customer transaction information only for authorized duties. Unauthorized disclosure or misuse may lead to termination and legal action.
Merchants must complete business verification, compliance checks, onboarding, and the Merchant Agreement and maintain required registrations and licenses.
Merchants must follow payment and branding requirements, protect customer payment information, and handle disputes and refunds according to law and Platform procedures. Unauthorized surcharges are prohibited where restricted. Merchants are responsible for promotions and should reconcile records and report discrepancies promptly.
Merchants using APIs, plugins, or other integrations must follow Ognimohub documentation, security controls, and applicable law. API keys must remain confidential. Unauthorized sharing or misuse may result in suspension or legal action.
Merchants may create and track digital invoices and remain responsible for invoice accuracy, taxes, due dates, disputes, and collection. An invoice does not guarantee payment.
Support is available through in-app support, support@ognimohub.com, and +254 745 497444. Use one support channel per issue and continue through the same case. Duplicate requests may be closed. Threatening, abusive, or harassing behavior may result in restricted support or Account action.
Ognimohub may charge transaction, withdrawal, conversion, subscription, card, remittance, or other fees, disclosed through the Platform where required. Fees may change and material changes may be communicated through the Fee Schedule, website, or app. Users are responsible for applicable taxes, duties, withholding, and government charges.
Users must not use the Platform for illegal or fraudulent activity; violate laws or third-party rights; threaten, harass, impersonate, or abuse others; access systems without authorization; interfere with security; introduce malware; reverse engineer except where law permits; abuse bots, scraping, transaction limits, investment lock-ins, or security controls; misuse personal information or credentials; or create duplicate support cases to bypass procedures.
Violations may lead to suspension, termination, transaction review or reversal, loss of access, and reporting to authorities where required.
The Platform, including software, logos, designs, graphics, text, interfaces, databases, and related content, is owned by Ognimohub or its licensors and protected by law.
Subject to these Terms, Ognimohub grants you a limited, non-exclusive, non-transferable, revocable licence to use the Service for personal or authorized business purposes. You may not resell, reproduce, modify, distribute, scrape, commercially exploit, or create competing works from Platform content without permission.
You retain ownership of content you submit. You grant Ognimohub a worldwide, royalty-free licence to host, store, reproduce, process, display, adapt, and use that content to operate, secure, support, and improve the Service, subject to applicable privacy law.
The Platform may integrate with banks, PSPs, identity providers, remittance companies, telecommunications providers, cloud providers, and other third parties. Their own terms and privacy policies may apply, and Ognimohub does not control their independent availability or performance.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE". OGNIMOHUB DOES NOT GUARANTEE CONTINUOUS AVAILABILITY, SECURITY, ACCURACY, OR ERROR-FREE OPERATION, OR PARTICULAR INVESTMENT RETURNS, EXCHANGE RATES, TRANSACTION SPEEDS, OR THIRD-PARTY AVAILABILITY.
TO THE FULLEST EXTENT PERMITTED BY LAW, OGNIMOHUB AGENCY AND ITS AFFILIATES, DIRECTORS, EMPLOYEES, AGENTS, CONTRACTORS, SUPPLIERS, AND LICENSORS SHALL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL LOSS, INCLUDING LOST PROFITS, BUSINESS, GOODWILL, DATA, OR OPPORTUNITY, ARISING FROM USE OF OR INABILITY TO USE THE SERVICE. Liability excluded by law is not affected.
To the extent permitted by law, Ognimohub's aggregate liability shall not exceed the amount paid directly for the relevant Service during the twelve (12) months preceding the claim.
To the extent permitted by law, you agree to indemnify and hold harmless Ognimohub Agency and its affiliates, officers, employees, contractors, agents, suppliers, and licensors against claims, liabilities, losses, and costs arising from your breach of these Terms, unlawful use of the Service, User Content, or violation of third-party rights.
These Terms are governed by the laws of the Republic of Kenya.
Users should first contact Ognimohub to seek informal resolution. If unresolved, a dispute may be referred to the Nairobi Centre for International Arbitration (NCIA) or another competent Kenyan forum. Where arbitration applies, the seat is Nairobi, proceedings are in English, and the award is binding subject to law.
We may suspend or terminate access for breach of these Terms, fraud, unlawful activity, failure to meet KYC/AML requirements, security or regulatory risks, misuse of support, or conduct threatening the Platform, users, or third parties. Immediate action may be taken to prevent financial, legal, security, or regulatory harm.
You may request Account closure through available account controls or by contacting support@ognimohub.com. Closure remains subject to pending matters and retention obligations.
Upon termination, access to the Service ceases. Provisions concerning intellectual property, privacy, disclaimers, liability, indemnification, disputes, and obligations that survive by their nature remain effective.
Ognimohub may update these Terms to reflect changes in services, law, security, or operations. Material changes may be communicated through revised Terms, in-app notices, or email. Where required, advance notice will be provided. Continued use after the effective date may constitute acceptance. If you do not agree, stop using the affected Service.
These Terms, the Privacy Policy, AML/KYC Policy, Account Deletion Policy, Fee Schedule, product terms, and incorporated notices govern use of the Service.
If a provision is invalid or unenforceable, the remaining provisions continue in effect. Failure to enforce a provision is not a waiver. You may not transfer rights or obligations without consent; Ognimohub may assign them in a merger, acquisition, restructuring, or business transfer, subject to law.
Ognimohub is not responsible for delays or failures caused by events beyond reasonable control, including natural disasters, war, terrorism, government action, public emergencies, utility failures, or third-party banking, payment, hosting, and network failures.
For questions regarding these Terms or the Ognimohub Service:
Ognimohub Agency
Pioneer House, Kenyatta Avenue, Nairobi, Kenya
Email: support@ognimohub.com
Phone: +254 745 497444
