Terms & Conditions

Terms of use


Last Updated at 17th Jan 2019

These Terms of Use (these “Terms”) represent an agreement between you and Flexpay Technologies (A product owned by Flexitech Group Limited). (“Flexpay Technologies”) and contain the terms and conditions governing your use of and access to our website at htpps://www.flexpay.co.ke and all affiliated websites, and merchant stores owned and operated by us (collectively, the “website”) our products, services, and applications (together with the website, the “services”).” You and “Your” mean the person who uses or accesses the Services. “We”, “Us”, and “Our” mean Flexpay Technologies and its successors, affiliates, and assignees. As used in these Terms, “Flexpay Technologies Account” means the account you have with us for the services.

Your use of and access to the Services are subject at all times to these Terms and our Privacy Policy. Please read these Terms and our Privacy Policy carefully. By using or accessing the Services, you represent that you have read and understand these Terms and our Privacy Policy and you agree to be bound by these Terms and our Privacy Policy. If you do not agree to all the terms and conditions of these Terms and our Privacy Policy, do not use or access the Services.


Your Consent. You agree to use electronic signatures, receive SMS/emails notifications of your balances, notices, statements, communications and other items for all services provided to you under these terms and in connection with your relationship with us. This consent is to the extent permitted by governing laws.

By accepting and agreeing to these Terms electronically, you represent that: (1) you have read and understand this consent to use electronic signatures and to receive Communications electronically; (2) you satisfy the minimum hardware and software requirements specified below; and (3) your consent will remain in effect until you withdraw your consent as specified below.

Right to withdraw the consent Your agreement to continually receive the electronic communication shall remain in effect until you choose to withdraw it. In the case where you choose to opt out you can contact us at info@flexpay.co.ke or call 0719725060 for assistance. Your withdrawal from the electronic communication will lead to closing your Flexpay Account and in the case if there was any cash in the wallet it will be converted to a voucher with a charge fee of 10% deducted in the case you had an active booking which was not completed by the time of withdrawal of the consent.

Keep your Current information with us. For us to be able to communicate to you efficiently keep with us your most current information and continuously update it in the case of any changes. This includes if there is a change in your Email Address or phone number.

Hardware and Software Requirements. In order to access and retain Communications provided to you electronically, you must have: (1) a valid email address and valid Phone Number; (2) a computer or other mobile device (such as tablet or smart phone) that operates on a platform like Windows or a Mac; (3) a connection to the Internet; (4) a Current Version of Internet Explorer 8 (or higher), Mozilla Firefox 7.0, Safari 5, or Chrome 15; (5) a Current Version of a program that accurately reads and displays PDF files, such as Adobe Acrobat Reader version 7 or higher; (6) a computer or device and an operating system capable of supporting all of the above; and (7) a printer to print out and save Communications in paper form or electronic storage to retain Communications in an electronic form. "Current Version" means a version of the software that is currently being supported by its publisher.

Changes. We reserve the right, in our sole discretion, to communicate with you in paper form. In addition, we reserve the right, in our sole discretion, to discontinue the provision of electronic Communications or to terminate or change the terms and conditions on which we provide electronic Communications. Except as otherwise required by applicable law, we will notify you of any such termination or change by updating these Terms on the Website or delivering notice of such termination or change electronically.

Below are the requirements required to use the service

  1. First you have to accept to our terms & conditions and privacy policy.
  2. Create an account with us on our website, partner stores or third party websites.
  3. Be of legal age as stipulated in the respective country laws to be able to use our platform.
  4. Provide all information requested by us, such as your name, email address, mobile number, online credentials for your Flexpay Account, and such other information as we may request from time to time (collectively, "User Information"). You represent and warrant that all User Information you provide us from time to time is truthful, accurate, current, and complete, and you agree not to misrepresent your identity or your User Information. You agree to promptly notify us of changes to your User Information by updating your Flexpay Account on the Website.
  5. For our compliance purposes and in order to provide the Services to you, you hereby authorize us to, directly or through a third-party, obtain, verify, and record information and documentation that helps us verify your identity you. When you register for the Services and from time to time thereafter, we may require you to provide and/or confirm information and documentation that will allow us to identify you, such as:
    1. A copy of your government-issued photo National ID, such as a passport or driver’s license;
    2. A copy of a utility bill, bank statement, affidavit, or other bill, dated within three months of our request, with your name and country street address on it;
    3. and Such other information and documentation that we may require from time to time.

The information you provide us is subject to our Privacy Policy.

How do I use the Services?

The purpose of our services is to help you create a goal for purchasing a high-end product, pay for holiday, rent, school fees and other services which are high cost by making partial payments on lay-by means.

To access above products/Services you have to create an account with us then choose from the variety of services we have ranging from retail deals, holiday deals, school fees deals, rent goals, construction goals and then provide your details depending on the package you have chosen and from there a goal is initiated.

For our retail deals You can visit any of our merchant outlets choose a product you want and our agents on the ground will help you initiate your booking automatically. Otherwise, visit tuskys.com click on the Lipia pole pole option and enter details as requested and then click on reserve this will automatically initiate a new booking and your wallet account automatically created on the FlexPay platform.

For our offline customers who have no access to the internet they can use the Ussd platform which is *384*29# to create an account with us. Then from there they are able to access our wide range of products and services and then create a goal, make partial payments with our lay-by platform and receive the statements via a text message.

Also, customers can use our manual means by sending an SMS with the word Flexpay to 20880 and then name of product, the price of the product, the initial deposit they will make and then the number of days and then hit send and the booking will be received on our end.

How do I check my balance on my FlexPay Account?

You can log in to your FlexPay Account and go to the wallet and then you will view your wallet balance from there.

Consequently, dial *384*29# then choose customer and input your details and then from there choose balance and an SMS with your balance will be sent to you.

Also, you can send an SMS with balance to 20880 and then will receive your balance statement.

Are there any fees for using the Services?

Flexpay services are absolutely free and convenient. The products and services booked within partner stores or websites are at 0% interest rate. We reserve the right to change and charge any fee in the future. We will notify you if we introduce a charge fee for our services in accordance to the governing laws.

What is the penalty for Goal/Booking cancellation?

In the event a customer is unable to continue with the subsequent payments, then we don’t do cash refunds they will be entitled to a voucher worth the full amount of their payments. Voucher redeemable in any of our partner merchants.

In the case of adverse situation and customer demands a cash refund for the defaulted booking a penalty fee of 10% of the total payment will be deducted and only 90% will be refunded to the customer. This is because upon booking a reservation is paid to our merchants as an insurance for our customers to get their products upon completion.

What do I do if my mobile device is lost or stolen or if I suspect someone has gained unauthorized access to my username or password?

If your mobile device is lost or stolen or if you suspect someone has gained unauthorized access to your username or password, you must contact us immediately at info@flexpay.co.ke or 0719725060. In order to take any action, you will need to provide certain User Information so we can verify your identity.

Will these terms of service change?

We may add to or terminate any of the Services or amend these Terms at any time, in our sole discretion, without providing notice to you, subject to applicable law. We reserve the right, subject to applicable law, to deliver to you any notice of changes to existing terms or the addition of new terms by posting an updated version of these Terms on the Website or delivering notice thereof to you electronically. You are free to decide whether or not to accept a revised version of these Terms, but accepting these Terms, as revised, is required for you to continue accessing or using the Services. If you do not agree to these Terms or any revised version of these Terms, your sole recourse is to terminate your access or use of the Services. Except as otherwise expressly stated by us, your access and use of the Services are subject to, and constitute your acceptance of, the version of these Terms in effect at the time of your access or use.

How do I contact FlexPay Technologies?

If you have any questions, comments, or concerns regarding these Terms or the Services, please contact us at info@flexpay.co.ke, 0719725060.

Merchant Terms of Use

This is for our partners who offer products and various services and have agreed and are comfortable when customers pay for the products/services in piecemeal.

This terms also act as point of reference when entering a contract and withdrawing from the contract by any of the parties involved.


The merchant should be a registered company in their countries of operation and should provide all their documents before onboarding for verification and confirmation.

The merchant should provide us with a contact person who will be in charge for dealing with all the processes and procedures of FlexPay.

The merchant is expected to fill a form which will require them to provide their business information such as: Registered Business Name, Type of business they deal in and the physical location of where their stalls are located and others.

Consequently, the merchant is expected to provide us with Account management details on how the fund transfers will be done and other financial Queries handled. This will be in according to our Accounts transfer policies.

Our representative will review the information and then will contact You within 24hours.

Then a FlexPay dashboard is initialized with all the accounts, transactions and bookings set to 00 and the merchant have to verify and consent this is true. Then a demo experiment is carried out for the merchant to see how the customers will make bookings, how they can track what the customers are paying for and what has already been paid and what are the arrears and the remaining to be cleared.

Terms of usage

  1. Offline
    1. A customer walks into any of our selected store and identifies product/service to reserve
    2. Store agent register the product into a FlexPay dashboard and instructs customer on how to make a first deposit.
    3. Customer makes first deposit and later leaves the store.
    4. Customer continues to make piecemeal payments until completion
    5. Upon completion of the last payment, the purchaser receives a receipt code through SMS/email
    6. Customer uses this receipt code to collect the item from the merchant.
  2. Online (Flexpay Deals on Our and Partner Websites)
    1. A customer visits a FlexPay website or partner websites and identifies product/service to reserve
    2. Customer clicks on the FlexPay reserve button
    3. Customer gets instructions on how to make the first deposit
    4. Customer makes first deposit.
    5. Customer continues to make piecemeal payments until completion
    6. Upon completion of the last payment, the purchaser receives a receipt code through SMS/email
    7. Customer uses this receipt code to collect the item from the merchant.
  3. For Personal Targets/Goals
    1. Visit the FlexPay website (www.flexpay.co.ke)
    2. Create and login into the FlexPay user account
    3. Clicks on the Add New Goal button
    4. Select your preferred Goal Type eg. Rent, Travel, Construction, school fees or any other general target
    5. Specify your target details e.g Product/Service Name, Total Amount, Initial booking amount, Start date and End date.
    6. Continues to make piecemeal payments until completion
    7. Upon meeting the set target, clicks on the withdraw button besides each set target to instruct Flexpay to which merchant account the cash should be transferred.
    8. Get a confirmation from Flexpay through email that full payment has been done on your behalf to your preferred merchant/ service provider.

Why Flexpay

  • Interest

    Shop interest free at our wide range of merchants that we have partnered with.
  • Save

    Save money, by enjoying huge discounts from our partner merchants from a wide range of goods and services.
  • Security

    Your security is our number one concern. Your money is secured in an escrow account with our bank partner. We also collaborate directly with credible IT companies such as Amazon and Google in order to guarantee transactional and data security.
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