Kikundify Chama App

KIKUNDIFY APP – FREE PAPERLESS CHAMA MANAGEMENT

Kikundify App is a FREE (no subscription fee) paperless chama management app designed for friends, families, and any groups to manage their finances transparently.

KEY FEATURES
✔️ Run your chama right in your WhatsApp, ask Kundi *our WhatsApp AI Agent) anything about your chama. eg, What is my chama Loan Balance?
✔️ Auto WhatsApp notifications, reminders
✔️ Merry‑Go‑Round / Table banking
✔️ Welfare contributions
✔️ Group & individual goal savings
✔️ Use group welfare and goal funds to issue advances to members
✔️ M‑PESA deposits and withdrawals
✔️ Automatic SMS reminders (small fee per SMS – see below)
✔️ Bank‑level maker‑checker model with chairman and treasurer as group managers
✔️ Transaction reports for chama, goals, welfare, and advances – sort, search, and print as PDF
✔️ Change group chairman and treasurer at any time
✔️ Delete groups, goals, welfare funds, or loans where allowed
✔️ Add new members or remove members from your chama
✔️ View rich statistics for chama, welfare, goals, and advances
✔️ Military‑grade encryption – your data is secured with industry‑standard AES‑256 and SSL/TLS protection

HOW IT WORKS
The chairman creates the group, adds a treasurer and members, creates goals and welfare funds, and initiates contributions and member advances. All transactions are logged and fully auditable.

IMPORTANT DISCLOSURES
• Kikundify does not lend money or take deposits. All funds remain within the group.
• Advances are made from group savings, not from the app.
• The app enforces a maximum interest rate of 20% on advances.
• Kikundify Capital Ltd is a registered Kenyan technology company.

FEES (TRANSPARENT & MINIMAL)
• SMS reminders cost 0.40 KES per SMS – this is the only SMS charge. The system deducts about ksh150 when you run low on SMS credit.
• M‑PESA withdrawals: we add a fee of 2% per withdrawal (on top of the normal M‑PESA provider rate).
• The app itself is completely free, but we charge about ksh200 mainteance fee only for active chama. We do not charge inactive chama anything. No any other charges besides the ones discolosed.

PRIVACY AND SUPPORT
We value your privacy. Your data is encrypted in transit and at rest. Read our full policy at https://kikundify.com/privacy-policy/

For help, contact us:
📞 0786777000 (call/whatsapp)
📧 hi@kikundify.com