Terms of use.

Education, not advice

Everything Fnsoko publishes or teaches, including articles, tools, planners, webinars, trainings and the Financial Clinic, is financial education. It is not financial, investment, tax or legal advice, and it does not recommend any particular product or provider. Your money decisions are yours. Before you invest or borrow, check the details with a licensed professional and the provider itself.

Tools and calculators

The calculators do their maths carefully, but the rates and assumptions in them are illustrative. Real rates for money market funds, Treasury bills, bonds and loans change over time. Treat the results as a guide, not a promise of what you will earn or pay.

Planners and digital products

• Prices are in Kenyan shillings and payments are processed by Paystack (M-Pesa and cards).
• When you buy a planner you get a personal licence to use it yourself. Please do not resell or share the files.
• Because they are digital, products cannot be refunded once downloaded, unless the file is faulty. If a file is faulty or will not open, email us and we will fix it or refund you.

Events and trainings

• Event details, prices and venues are shown on each event page. If Fnsoko cancels a paid event, you get a full refund.
• Corporate and group trainings are governed by the proposal you accept, which sets out the scope, dates and fees.
• Please be kind in sessions. Questions are welcome; selling to other attendees is not.

Content and copyright

The articles, tools, designs, planners and training materials on Fnsoko belong to Fnsoko. You are welcome to share links and short quotes with credit. Please ask before reusing anything else.

Liability

We work hard to keep the site accurate and available, but we cannot guarantee it is always error-free. To the extent the law allows, Fnsoko is not responsible for losses that come from relying on general education material instead of advice for your own situation.

Changes and governing law

We may update these terms from time to time, and the date at the top will change when we do. These terms are governed by the laws of Kenya. How we handle personal information is explained in the privacy notice.

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