CarePay provides you with a Marketplace where you can search, compare and buy healthcare products, such as insurance policies and other cover for healthcare services. These Marketplace services (the “Services”) are offered by CarePay through our mobile platform M-TIBA (the “Platform”). By clicking/checking the “I accept” button/box, accessing the Platform or by utilizing our Services you agree to be bound by these Terms. The Services are not available to persons who are not legally eligible to be bound by these Terms, such as minors.

Your use of the Services is conditioned upon your compliance and acceptance of these Terms.

  • Definitions
    • Account: an online personal environment on the Platform which you can access by entering your telephone number and password/pin.
    • CarePay: Carepay Limited, a private limited company incorporated under Kenyan law, with P.O. Box 52887-00100, at 114 Manyani East Road Off James Gichuru Road, Nairobi, Kenya, and registered with the Kenya trade register under number CPR/2014/149158. CarePay is also referred to as “we”.
    • Healthcare Products: insurance policies and other cover for healthcare services offered by Partners on the Marketplace.
    • Offer: an offer made by a Partner, consisting of Healthcare Products, published on the Marketplace.
    • Product Terms & Conditions: the terms & conditions of the Offer provided by Partner.
    • Marketplace: the online marketplace operated by CarePay on which Healthcare Products of Partners are offered and sold to Users.
    • M-TIBA Agencies: CSL Services Limited, a private limited company incorporated under Kenya law, with P.O. Box 52887-00100, at 114 Manyani East Road Off James Gichuru Road, Nairobi, Kenya, carrying on business under the business name of M-TIBA Agencies, registered with the Kenya trade register under number BN-Q6C7KJZD. M-TIBA Agencies is a subsidiary of CarePay.
    • Partner: a party that uses the Marketplace to offer and sell its Healthcare Products on the basis of the M-TIBA Marketplace Sales Terms for Partners concluded between CarePay and such party.
    • Platform: the mobile platform M-TIBA.
    • (Our) Services: services rendered by CarePay to Users regarding the Marketplace.
    • User: an individual private person or legal entity, making use of the Services. Users are also referred to as “you”.
    • Other definitions – recognizable by use of a capital letter at the beginning – may also be explained in-text in the below.
  • The Marketplace
    • CarePay places Offers of Partners on the Marketplace on behalf of Partners. You may use the Marketplace to find a suitable Offer.
    • Every Offer offered on the Marketplace is accompanied by Product Terms & Conditions and a description of the Offer, for which the Partner providing the Offer is responsible. You acknowledge that the Product Terms & Conditions and the description of the Offer may contain restrictions on the Offer, for example, but not limited to, territorial restrictions, benefit limits and exclusions. You are yourself responsible for assessing and understanding the information on and suitability of the Healthcare Products on the Marketplace and the restrictions and risks involved.
  • Account
    • You may be required to create an Account to register for and/or use certain Services. You can create an account by providing your telephone number and choosing a password. You are entirely responsible for maintaining the security of your password. Your telephone number and chosen password, together, form the Login Credentials. Any other services delivered to you via the Platform are subject to the M-TIBA Terms of Service.
    • You may not allow use of your Account by any third party nor others that do not have the authority to represent you. You guarantee that any third party that uses your Account is authorized to represent you. You are fully responsible for non-disclosure of your Login Credentials and the use of your Account.
    • You may only create 1 (one) Account on the Marketplace. If, for whatsoever reason, your Account is blocked or deleted, you are no longer entitled to use the Marketplace.
    • You agree to only provide correct and complete information when creating an Account on the Marketplace. You are responsible for the accuracy of the data in your Account (including KYC Information as defined below) and CarePay cannot be held liable in that respect.
    • In case CarePay receives notice-and-take-down requests, CarePay is entitled to suspend, block or delete your Account, for example in the case of violation of one or more of the applicable terms, fraud, disruption of a proper functioning of the Marketplace. CarePay furthermore has the right to refuse or to block an Account if the Account is linked to (an account number which is linked to) an Account or User that is already blocked. You are not entitled to any compensation by CarePay in connection with the suspension, blocking or deletion of the Account by CarePay and you hereby waive any right to any compensation of damages.
  • KYC Information
    • To be able to accept an Offer, you may be required to provide certain information about yourself (“KYC Information”) to enable the Partner providing the Offer to meet its requirements based on “know your customer” laws and regulations, which may include full name, date of birth, gender and national identification number. You agree that CarePay may link such information to your Account and that any such information shall be accurate, complete and up-to-date and that. CarePay cannot be held liable in this respect.
    • After your acceptance of the Offer, your KYC Information will be shared by CarePay with the Partner, or in case of insurance Healthcare Products with M-TIBA Agencies and subsequently by M-TIBA Agencies with the Partner. Your acceptance of an Offer may be subject to review of your KYC Information by the Partner making the Offer, in which case we will inform you once Partner has decided and subsequently enable payment of the Offer if the Partner confirmed your acceptance.


  • Healthcare Contract
    • When you accept and pay an Offer, a Healthcare Contract is established between you and the Partner (the “Healthcare Contract”) to which the Product Terms & Conditions, including any amendment or supplement thereto, apply. The sale of any insurance Healthcare Product will be facilitated by M-TIBA Agencies, who is a licensed insurance agent. CarePay and/or M-TIBA Agencies will not be party to the Healthcare Contract, do not provide advice on the Healthcare Products, nor have any other responsibility in relation to the Healthcare Contract or the Healthcare Product. CarePay only offers the Marketplace and facilitates the contact and payment between Partner and User.
    • The Healthcare Contract covers the buying and selling of the Offer, the terms pursuant to which the Partner makes available the Healthcare Product to you (as set out in the Product Terms & Conditions) and likewise the so-called After Sales by the Partner. After Sales concerns all contact between you and the Partner related to the arrangement of any further details to the (execution of the) Healthcare Contract. After Sales are for the account and risk of Partner.
    • You acknowledge that CarePay and M-TIBA Agencies are not liable in any way whatsoever for fulfilment of any agreements, including but not limited to the Healthcare Contract, between you and the Partner and the content of the Offer, unless otherwise required by law. You and the Partner are responsible for concluding the Healthcare Contract and any accompanying risks.
    • If you have any dispute with a Partner, you acknowledge that you can solely address the Partner concerned.
    • You are obliged to execute the Healthcare Contract together with the Partner in accordance with applicable legislation and regulations and these Terms.
  • Payment
    • The amounts owed by you based on the Healthcare Contract must be paid via the Marketplace in order to establish the Healthcare Contract.
    • You are obliged to immediately report inaccuracies in the payment details provided to CarePay.
  • Cancellation

A cancellation and/or termination of the Healthcare Contract, should be agreed with Partner in writing. You must contact Partner directly to receive a refund. CarePay is not obliged to reimburse any amount to User due to a Healthcare Contract that is cancelled and/or terminated.

  • Use of the Services and User content
    • You agree that you will not use the Services in a manner that violates these Terms or any applicable laws and regulations.
    • You shall not engage in any activity or use the Services or Platform in any manner that could damage, disable, overburden, impair or otherwise interfere with or disrupt the Services, or any servers or networks connected to the Services or CarePay security systems.
    • In the event CarePay is notified that you use the Services in a manner described in Clause 1 or 8.2, CarePay may (temporarily) block your account at any time and delete all information related to it.
    • You agree that you are solely responsible for any content (User Content) sent, displayed or uploaded by you in using the Services.
    • CarePay makes use of automatic filters to detect unlawful or fraudulent content. Other than that, CarePay does not monitor or edit the User Content that Users actively upload on the Marketplace.
    • In case you are of the opinion that Offers, Accounts or any other content on the Marketplace is unlawful or fraudulent, you can inform us by sending an email to
    • After receipt of a notice-and-take down request, CarePay reserves the right to investigate and take appropriate action against any person or company that is suspected of fraudulent or unlawful actions. In this respect CarePay may inter alia report you to law enforcement authorities.
  • Intellectual property
    • CarePay is the exclusive owner of all current and future, worldwide, intellectual property rights, such as, but not limited to patents, patent applications, trademarks, trademark applications, service marks, trade names, copyrights, trade secrets, licenses, domain names, know-how, URL’s and web addresses, ownership rights and processes, databases, data collections and any rights therein in relation to the Services (and the underlying source and object code and the accompanying technical documentation) (the Intellectual Property Rights).
    • CarePay grants its Users a non-transferrable, non-exclusive, non-sublicensable and revocable license intended for fair use of the Services.
    • The Services may be used for non-commercial consumer purposes only. You will not reproduce, resell, or distribute the Services or any reports or data generated by the Services for any other purpose unless you have been specifically permitted to do so under a separate agreement with CarePay.
    • You may not frame or utilize framing techniques to enclose any CarePay Intellectual Property Rights without express written consent. You may not use any meta tags or any other “hidden text” utilizing CarePay Intellectual Property Right without CarePay express written consent.


  • Injunctive relief

You acknowledge that any use of the Services contrary to these Terms, including any transfer, sublicensing, copying or disclosure of technical information or materials related to the Services, may cause irreparable injury to CarePay, its affiliates, suppliers and any other party authorized by CarePay to resell, distribute, or promote the Services (these parties will collectively be referred to as CarePay’s Partners). In such case CarePay and CarePay’s Partners will be entitled to a fair compensation from User, including, but not limited to, preliminary and permanent injunctive relief and attorney fees.


  • Availability and maintenance; disclaimer warranties
    • The Services are available on handheld mobile devices running iOS and Android. Use of the Services requires one or more compatible devices, internet access and certain software, and may require obtaining updates or upgrades from time to time. High speed internet access is recommended. You acknowledge and agree that such system requirements, which may be changed from time to time, are your responsibility.
    • CarePay will make reasonable efforts to make the Services available at all times. However, you acknowledge that the Services are provided over the internet and mobile networks and thus the quality and availability of the Services may be affected by factors outside the reasonable control of CarePay.
    • CarePay may at its sole discretion, discontinue the Services and terminate these Terms, or update, modify or adapt (the features of) the Services from time to time without prior notice. This may result in any downtime for which CarePay is not responsible. After discontinuation of the Services, these Terms will continue to apply fully with respect to your use of the Services as well as Offers accepted and Healthcare Contracts concluded via the Marketplace prior to discontinuation.
    • CarePay and CarePay’s Partners do not accept any responsibility whatsoever for unavailability of the Services, or any difficulty or inability to download or access content, or any other communication system failure which may result in the Services being unavailable.
    • To the maximum extent permitted by applicable law, CarePay hereby disclaims all implied warranties regarding the availability of the Services. The Services are provided “as is” and “as available” without warranty of any kind.
    • CarePay and CarePay’s Partners make no warranty or representation regarding the results that may be obtained from the use of the Services, regarding the accuracy or reliability of any information obtained through the Services or that the Services will meet any User’s requirement, or be uninterrupted, timely, secure or error free.


  • Privacy

CarePay respects your privacy. Regarding the processing of your personal data, CarePay shall comply with the Kenyan Data Protection Act and other applicable privacy legislation and regulations concerning the protection of personal data. You can find more information about the processing of your personal data by CarePay on the Marketplace in our Marketplace Privacy Statement.

  • Limitation of liability and indemnification
    • CarePay is not liable for damages resulting from your use of our Services. This includes (but is not limited to) loss of profits, business, data or information or for any remote, incidental, indirect, special of consequential damages.
    • CarePay is not liable for damage of User that occurs due to the fact CarePay assumed incorrect or incomplete information provided by User to be correct or complete in the execution of the Terms.
    • If CarePay is liable, for any reason, the aggregate liability will be limited to an amount of KES 500 (five hundred Kenyan Shillings).
    • Nothing in these Terms will exclude or limit the liability of CarePay to the extent this cannot be excluded or limited under the applicable law, such as in the case of willful misconduct by CarePay.
    • CarePay is not in any event liable for:
      • the actions or inactions of other Users, any Partner or any other third party;
      • the situation where the device of User is stolen and any third party subsequently makes use of the account of User;
      • failure to meet any of CarePay’s obligations under these Terms where such failure is due to events beyond CarePay’s control (for example a network failure);
      • any damage or alteration to the equipment of User including, but not limited to, computer equipment and devices as a result of the use of the Services.
    • You agree to indemnify, defend and hold harmless CarePay and CarePay’s Partners from any and all third party claims, liability, damages and/or costs (including, but not limited to, attorney fees) arising from your use of the Services, your violation of these Terms or the infringement or violation by you or any other user of your account, of any intellectual property or other right of any person or entity.
    • The liability limitations and indemnifications included in this Clause 13 and elsewhere in these Terms also apply to affiliates (including, but not limited to, M-TIBA Agencies) and employees of CarePay.


  • Miscellaneous
    • User warrants that it has the authority to enter into these Terms and that these Terms constitute a legal, valid and binding obligation to it and that it has obtained all consents and approvals it needs to enter into and execute these Terms.
    • Failure by CarePay to exercise any of its rights under, or to enforce any provision of, these Terms will not be deemed a waiver or forfeiture of such rights or ability to enforce such provision.
    • User cannot assign or transfer its rights and obligations under these Terms. Any such transfer or assignment will be void. CarePay can assign and/or transfer all rights and obligations under the Agreement to a third party, without consent from User being required.
    • If any provision of these Terms is held by a court of competent jurisdiction to be illegal, invalid or unenforceable, that provision will be amended to achieve as nearly as possible the same economic effect of the original provision and the remainder of these Terms will remain in full force and effect.
    • These Terms embody the entire understanding and agreement between CarePay and User respecting the subject matter of these Terms and supersedes any and all prior understandings and agreements between the Parties respecting such subject matter.
    • CarePay reserves the right to change these Terms. CarePay will exercise commercially reasonable business efforts to provide notice to you of any material changes to these Terms. Within five (5) business days of posting changes to these Terms, they will be binding on you. If you do not agree with the changes, you should discontinue using the Services. If you continue using the Services after such five-business-day period, you will be deemed to have accepted the changes to these Terms.
    • In order to participate in certain Services, you may be notified that you are required to download software and/or agree to additional terms and conditions. Unless expressly set forth in such additional terms and conditions, those additional terms are hereby incorporated into these Terms.
    • All notices or other correspondence to CarePay under these Terms must be provided to


  • Applicable law and jurisdiction
    • These Terms shall be governed by and construed in accordance with the laws of Kenya.
    • The Parties shall endeavor to amicably settle all disputes arising out of or in connection with these Terms. Unless mandatory law compels differently, all disputes resulting from or arising in connection with these Terms shall be exclusively submitted to the competent court of in Nairobi, Kenya, subject to clause 3.
    • CarePay shall be entitled to seek remedies of injunction, specific performance, or other equitable relief for any threatened or actual breach of these Terms with any court of competent jurisdictio


CarePay Limited

P.O. Box 52887-00100, 114 Manyani East Road Off James Gichuru Road, Nairobi, Kenya

T: +254 732 473 002


Registration number: CPR/2014/149158

VAT: P051516184Z


M-TIBA Agencies

P.O. Box 52887-00100, 114 Manyani East Road Off James Gichuru Road, Nairobi, Kenya

T: +254 732 473 002


Registration number: BN-Q6C7KJZD

VAT: P051905681V