Terms and Conditions
Effective 22 September 2026 � Version 1.0
Please read these terms before creating a ChamaBank group account.
1. The service
ChamaBank is software provided by NAMSNET for savings groups to organise members, contributions, payouts, meetings and related records. ChamaBank is a record-keeping platform. It is not a bank, does not hold group funds, and does not guarantee a payout, loan or investment return.
2. Accounts and access
The person creating a group account confirms that they are authorised to manage that group. The Group Owner is responsible for keeping login details private, assigning appropriate access and reviewing information entered on behalf of the group. Members may use a shared read-only link. Anyone who receives that link may be able to view the information shown there, so share it carefully.
3. Group records and acceptable use
Group Owners are responsible for the accuracy of member, payment, payout, meeting and financial information they enter. ChamaBank calculates displays from those records; it does not independently confirm that money was received or sent. Do not enter misleading records or use the service for unlawful activity. Financial corrections should preserve a visible history. Keep independent copies of important group records.
4. Plans and subscription payments
Plan prices, member limits, features and expiry dates are shown in the Plan Catalogue. Paid plans become active after NAMSNET confirms the payment request. A submitted request alone does not confirm payment. Access to management features may be suspended when a subscription expires or a group account is suspended. For billing questions, corrections or refunds, contact NAMSNET using the details below.
5. Personal information
The service stores details such as names, contact information, ID numbers, group records and login activity to operate the portal. Group Owners should inform members before entering their details and collect only information needed for group management. Public member views hide ID numbers and mask ordinary members' phone numbers, while designated officials' contact details may be displayed in full. For access, correction or deletion requests, contact the Group Owner or NAMSNET. Some financial records may need to remain in an audit history after a correction.
6. Availability and changes
Internet, hosting, maintenance or technical problems may interrupt access. NAMSNET may update the service or these terms. Material changes should be shown to account owners before they continue using the service. If you do not agree with updated terms, contact NAMSNET to discuss your account and data.
7. Contact
Questions about these terms, subscriptions, your account or personal information can be sent to namsnet55@gmail.com or 0786683419.