Terms & Conditions

VUNABET – TERMS AND CONDITIONS Last Updated: 30 August 2026 Effective Date: 30 August 2026 IMPORTANT NOTICE VUNABET IS A REAL-MONEY GAME OF CHANCE. YOU MUST BE AT LEAST 18 YEARS OLD TO REGISTER OR PARTICIPATE. GAMBLING MAY BE ADDICTIVE AND MAY RESULT IN FINANCIAL LOSS. ONLY STAKE MONEY THAT YOU CAN AFFORD TO LOSE. A STAKE DOES NOT GUARANTEE A WIN OR ANY PARTICULAR PRIZE. VUNABET DOES NOT GUARANTEE THAT ANY PLAYER WILL WIN A JACKPOT, PRIZE OR ANY PARTICULAR RETURN. If you believe that gambling is becoming difficult for you to control, stop playing and contact VunaBet immediately to request account restrictions or self-exclusion. 1. INTRODUCTION These Terms and Conditions ("Terms", "Agreement" or "Terms and Conditions") govern your access to and use of the VunaBet website, progressive web application, mobile interface, games, wallet, payment services and related services (collectively, the "Platform"). The Platform is operated by [INSERT LEGAL COMPANY NAME], a company incorporated in Kenya ("VunaBet", "we", "us", "our" or "Operator"). By registering an account, accessing the Platform, depositing funds, placing a stake, participating in a game, requesting a withdrawal or otherwise using the Platform, you confirm that you have read, understood and agreed to these Terms. If you do not agree to these Terms, you must not register, deposit money, stake money or otherwise use VunaBet. 2. LEGAL AND REGULATORY FRAMEWORK VunaBet operates subject to applicable laws of Kenya, including, where applicable: 1. Gambling Control Act, 2025 (Act No. 14 of 2025); 2. Data Protection Act, 2019; 3. Consumer Protection Act, 2012; 4. Proceeds of Crime and Anti-Money Laundering Act; 5. Applicable Kenya Revenue Authority legislation and tax laws; 6. Applicable regulations, licence conditions, directives and standards issued by the Gambling Regulatory Authority of Kenya ("Authority"); and 7. Other applicable laws and regulations of Kenya. The Gambling Control Act, 2025 establishes the Gambling Regulatory Authority of Kenya and provides for the regulation and licensing of gambling activities, including online gambling. VunaBet shall only operate real-money gambling services to the extent permitted by and subject to the applicable licence, approvals and regulatory requirements. 3. ELIGIBILITY – 18 YEARS AND ABOVE You must be 18 years of age or older to create an account or participate in VunaBet. By registering, you represent and warrant that: 1. You are at least 18 years old; 2. The information you provide is truthful and accurate; 3. You are legally capable of entering into this Agreement; 4. You are not prohibited by law from gambling; 5. You are not using another person's identity; and 6. You will not permit another person to use your account. VunaBet may require age and identity verification at registration, before a withdrawal, or at any other time. Where VunaBet reasonably suspects that an account belongs to a person under 18, VunaBet may immediately suspend the account and restrict access pending investigation. The Gambling Control Act, 2025 prohibits betting with a child. 4. ACCOUNT REGISTRATION To use VunaBet, you must register an account. You may be required to provide: 1. Full name; 2. Mobile telephone number; 3. Date of birth; 4. Email address, where applicable; 5. A four-digit PIN/password; and 6. Other information reasonably required for identity, security, compliance or anti-money-laundering purposes. You agree that all information supplied to VunaBet shall be: 1. True; 2. Complete; 3. Accurate; 4. Current; and 5. Not misleading. You must immediately notify VunaBet if your information changes. 5. ONE ACCOUNT PER PLAYER Unless expressly authorised by VunaBet, each person may maintain only one VunaBet account. You must not: 1. Create multiple accounts; 2. Create accounts using another person's details; 3. Create an account for another person; 4. Share your account; 5. Sell, transfer or give your account to another person; or 6. Use another player's account. VunaBet may close duplicate or fraudulent accounts and take appropriate action in accordance with applicable law and regulatory requirements. 6. ACCOUNT SECURITY You are responsible for maintaining the confidentiality of your PIN and account credentials. You must not disclose your PIN to anyone. VunaBet employees will not request your full PIN for the purpose of accessing your account. If you suspect: 1. Unauthorised access; 2. Theft or loss of your phone; 3. Compromise of your PIN; 4. Suspicious account activity; or 5. Fraudulent transactions, you must notify VunaBet immediately. VunaBet may temporarily suspend an account to protect the player, VunaBet or the payment system. 7. RESPONSIBLE GAMBLING VunaBet recognises that gambling can become addictive and may cause financial, psychological, family and social harm. We encourage all players to gamble responsibly. You should: 1. Set a personal spending limit; 2. Never gamble with money required for essential living expenses; 3. Never borrow money to gamble; 4. Never gamble to recover previous losses; 5. Never treat gambling as employment or an investment; 6. Take regular breaks; and 7. Stop playing when gambling ceases to be entertainment. Gambling is not a method of making a guaranteed income. The Gambling Control Act, 2025 recognises responsible gambling and the minimisation of social harm as important regulatory objectives. 8. SELF-EXCLUSION A player who believes gambling is causing harm may request self-exclusion. Upon receiving a valid self-exclusion request, VunaBet shall apply the applicable procedures required by law and its regulatory obligations. Where available, self-exclusion periods may include: 1. 24 hours; 2. 7 days; 3. 30 days; 4. 90 days; 5. 6 months; or 6. Permanent exclusion. During an applicable self-exclusion period, VunaBet may restrict: 1. Deposits; 2. Stakes; 3. Promotions; 4. Gambling notifications; and 5. Access to gambling services. The Gambling Control Act, 2025 provides for voluntary self-exclusion, including online gambling, and requires licensees to establish mechanisms to implement self-exclusion. A self-excluded player must not attempt to create another account to circumvent the restriction. 9. THE VUNABET GAME VunaBet provides games involving an element of chance. Players select an available box and pay the applicable stake. The available stake levels may include: 1. KSh 50; 2. KSh 100; and 3. KSh 200. VunaBet may change available games, stake amounts, prizes, game rules or availability subject to applicable law, regulatory requirements and licence conditions. 10. NO GUARANTEE OF WINNING PLACING A STAKE DOES NOT GUARANTEE A WIN. Every play is an independent game event subject to the applicable game rules. A player may: 1. Win a prize; 2. Receive no prize; or 3. Lose the amount staked. The amount of a prize is determined according to the applicable game configuration and rules. VunaBet does not guarantee that a player will win any jackpot, prize, monetary return or other reward. A player must never assume that a previous loss increases the probability of winning a subsequent play. Similarly, previous wins do not guarantee future wins. 11. RANDOMNESS AND GAME OUTCOMES Where a VunaBet game uses a random outcome mechanism, the outcome shall be determined by the Platform's authorised game logic. The player cannot determine or manipulate the outcome. The visual animation of a box opening is not itself the mechanism that determines the outcome. The game outcome is determined by the authorised server-side game system. VunaBet may maintain electronic records of: 1. Account ID; 2. Game; 3. Stake; 4. Transaction reference; 5. Date and time; 6. Game outcome; 7. Prize; 8. Wallet transaction; and 9. Payment transaction. Such records may be used for reconciliation, auditing, fraud prevention, regulatory compliance and dispute resolution. 12. TREASURE BOXES The Platform may display multiple visually distinct treasure boxes. The boxes may differ in: 1. Colour; 2. Design; 3. Animation; 4. Appearance; 5. Number; 6. Position; and 7. Visual effects. The appearance of a box does not constitute a promise that the box contains a particular prize. A player must not assume that: 1. A particular colour is more likely to win; 2. A particular design has a higher value; 3. A particular position contains a winning prize; or 4. A particular animation indicates a winning result. 5. STAKING A stake is the amount a player chooses to risk in a game. Before confirming a play, the player must review the applicable stake amount. Once a play has been successfully confirmed and accepted by the Platform, the stake shall generally be considered committed to that game and shall not be refundable merely because the player changes their mind. If a payment fails, the game should not be treated as successfully funded. 14. WALLET Each registered player may have a VunaBet wallet. The wallet may contain: 1. Deposited funds; 2. Winnings; 3. Approved credits; and 4. Other amounts legitimately credited by VunaBet. Wallet balances may be used for eligible games. A player may only stake where sufficient funds are available. The Gambling Control Act, 2025 provides for player accounts and requirements concerning funds owed to registered players. 15. DEPOSITS Players may fund their accounts using payment methods supported by VunaBet. These may include: 1. M-Pesa; 2. Pesapal; and 3. Other payment methods approved by VunaBet. VunaBet may impose minimum or maximum deposit limits in accordance with applicable law, payment-provider requirements and responsible-gambling policies. A deposit shall only be credited after the payment has been successfully confirmed. 16. PAYMENT PROCESSING Payments may be processed by third-party payment providers. VunaBet is not responsible for: 1. Mobile network interruptions; 2. Payment-provider downtime; 3. Bank delays; 4. M-Pesa service interruptions; 5. Pesapal service interruptions; 6. Incorrect payment information supplied by the player; or 7. Delays caused by payment-provider compliance checks. However, VunaBet shall take reasonable steps to reconcile legitimate payment transactions. 17. WITHDRAWALS Players may request withdrawal of eligible funds subject to: 1. Minimum withdrawal requirements; 2. Identity verification; 3. Account verification; 4. Anti-money-laundering checks; 5. Payment-provider requirements; 6. Regulatory requirements; and 7. Any applicable taxes or lawful deductions. The current minimum withdrawal amount may be KSh 500. VunaBet may temporarily delay a withdrawal where additional verification is reasonably necessary. 18. FRAUDULENT OR SUSPICIOUS TRANSACTIONS VunaBet may investigate transactions that appear suspicious, fraudulent, unlawful or inconsistent with the player's account activity. VunaBet may suspend transactions or accounts where reasonably necessary for: 1. Fraud prevention; 2. Money laundering prevention; 3. Terrorist financing prevention; 4. Identity verification; 5. Payment reconciliation; or 6. Regulatory compliance. Where legally required, VunaBet may report relevant information to competent authorities. 19. NO CREDIT GAMBLING Players must use their own available funds. VunaBet does not provide gambling credit or loans. Players must not attempt to gamble using: 1. Borrowed funds; 2. Fraudulent payment instruments; 3. Stolen funds; or 4. Another person's payment account. 5. PRIZES AND WINNINGS Where a player wins, the applicable prize shall be credited to the player's VunaBet wallet subject to successful game and transaction verification. The player does not acquire a guaranteed prize merely by: 1. Registering; 2. Depositing; 3. Selecting a box; 4. Viewing an animation; or 5. Placing a stake. A prize shall only be considered payable once the Platform has recorded the corresponding successful game outcome. 21. ERRORS AND MALFUNCTIONS If a technical malfunction, software error, payment error, database error, network failure or other system failure results in an incorrect game result or incorrect wallet balance, VunaBet may suspend the affected transaction while investigating. VunaBet may correct an objectively demonstrable technical error, subject to applicable law and regulatory requirements. VunaBet shall not knowingly retain funds that legally belong to a player. 22. SYSTEM MAINTENANCE VunaBet may temporarily suspend all or part of the Platform for: 1. Maintenance; 2. Security upgrades; 3. Software upgrades; 4. Payment-provider maintenance; 5. Regulatory requirements; 6. Emergency security measures; or 7. Technical repairs. VunaBet will endeavour to minimise disruption. 23. PROHIBITED CONDUCT You must not: 1. Hack or attempt to hack VunaBet; 2. Circumvent security controls; 3. Manipulate game outcomes; 4. Use automated bots; 5. Scrape the Platform; 6. Exploit software vulnerabilities; 7. Use stolen payment credentials; 8. Create fraudulent accounts; 9. Launder money; 10. Use another person's identity; 11. Attempt to manipulate payment callbacks; 12. Reverse engineer the Platform for fraudulent purposes; 13. Interfere with other players; 14. Introduce malicious software; or 15. Attempt to obtain prizes through deception. 16. ACCOUNT SUSPENSION VunaBet may suspend or restrict an account where there is reasonable evidence of: 1. Fraud; 2. Multiple accounts; 3. Identity misrepresentation; 4. Underage gambling; 5. Money laundering; 6. Payment fraud; 7. Game manipulation; 8. Terms violations; 9. Regulatory concerns; or 10. Security threats. Where appropriate, VunaBet will provide the player with information concerning the suspension, subject to legal, security and regulatory restrictions. 25. ACCOUNT CLOSURE You may request closure of your account. VunaBet may close an account where permitted or required by law. Closure does not remove obligations that arose before closure. Outstanding legitimate balances shall be dealt with according to applicable law, regulatory requirements and the circumstances of the account. 26. DATA PROTECTION AND PRIVACY VunaBet collects and processes personal information for purposes including: 1. Account creation; 2. Age verification; 3. Identity verification; 4. Payment processing; 5. Fraud prevention; 6. Regulatory compliance; 7. Customer support; 8. Security; 9. Transaction records; and 10. Responsible gambling. VunaBet shall process personal information in accordance with the Data Protection Act, 2019. The Data Protection Act, 2019 establishes requirements concerning lawful, fair and transparent processing of personal data and provides rights to data subjects. Players may have rights available under the Data Protection Act concerning their personal data. A separate VunaBet Privacy Policy forms part of these Terms. 27. CONSUMER PROTECTION VunaBet recognises applicable consumer rights under the Consumer Protection Act, 2012. Nothing in these Terms is intended to unlawfully remove or restrict a consumer right that cannot legally be excluded or limited under Kenyan law. 28. TAXES Players are responsible for any taxes that may lawfully apply to their winnings or other income. VunaBet may withhold, deduct or report amounts where required by Kenyan tax law or regulatory requirements. 29. INTELLECTUAL PROPERTY All VunaBet trademarks, logos, designs, graphics, animations, software, text and Platform content belong to VunaBet or its licensors. You may not copy, reproduce, modify, distribute or commercially exploit VunaBet intellectual property without written permission. 30. THIRD-PARTY SERVICES The Platform may depend upon third parties including: 1. Mobile network operators; 2. M-Pesa; 3. Pesapal; 4. SMS providers; 5. Hosting providers; 6. Internet service providers; and 7. Identity-verification providers. VunaBet does not control third-party infrastructure and cannot guarantee uninterrupted availability of third-party services. 31. LIMITATION OF LIABILITY To the maximum extent permitted by Kenyan law, VunaBet shall not be liable for indirect, incidental, consequential, special or unforeseeable losses arising from: 1. Internet outages; 2. Mobile network failures; 3. Payment-provider failures; 4. Device failures; 5. Unauthorised access resulting from the player's failure to protect their credentials; 6. Force majeure events; 7. Player misuse of the Platform; or 8. Losses resulting from voluntary gambling decisions. Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited under Kenyan law. 32. PLAYER INDEMNITY To the maximum extent permitted by applicable law, you agree to indemnify and hold harmless VunaBet, its directors, officers, employees, agents, contractors and service providers against claims, losses, liabilities, damages, costs and reasonable legal expenses arising from: 1. Your breach of these Terms; 2. Your unlawful use of the Platform; 3. Fraud or misrepresentation by you; 4. Your violation of another person's rights; 5. Your use of another person's account or payment method; 6. Your attempt to manipulate or interfere with the Platform; 7. Your violation of applicable law; or 8. Your negligent or intentional misconduct. This indemnity does not apply to the extent that the relevant loss results from VunaBet's own fraud, wilful misconduct, gross negligence or liability that cannot lawfully be excluded or indemnified. 33. NO WARRANTY OF PROFIT VunaBet does not represent or warrant that: 1. You will win; 2. You will recover previous losses; 3. You will make a profit; 4. You will receive a particular prize; 5. You will win the jackpot; or 6. You will achieve a particular return. GAMBLING IS NOT AN INVESTMENT. 34. NO CHASING LOSSES Players acknowledge that attempting to recover gambling losses by increasing stakes may result in greater financial loss. VunaBet strongly discourages chasing losses. 35. RESPONSIBLE GAMBLING DISCLAIMER WARNING: GAMBLING CAN BE ADDICTIVE. If gambling is causing: 1. Financial problems; 2. Relationship problems; 3. Emotional distress; 4. Difficulty controlling spending; or 5. Difficulty controlling the amount of time spent gambling, you should stop playing and contact VunaBet to request account restrictions or self-exclusion. 36. ADVERTISING AND PROMOTIONS Any VunaBet promotional material shall be subject to applicable Kenyan gambling advertising requirements. VunaBet shall not represent gambling as: 1. A guaranteed source of income; 2. An investment; 3. A solution to financial problems; or 4. A guaranteed route to wealth. Promotions may have separate terms and conditions which players must review before participating. 37. DISPUTES AND COMPLAINTS If you have a complaint, you should first contact VunaBet through the official support channels. The complaint should include: 1. Full name; 2. Registered telephone number; 3. Transaction or game reference; 4. Date and approximate time; 5. Description of the complaint; and 6. Supporting information. VunaBet shall investigate legitimate complaints and provide an appropriate response. Where a matter falls within the jurisdiction of a statutory regulator, tribunal or other dispute-resolution body, the parties shall comply with the applicable statutory dispute-resolution mechanism. 38. GOVERNING LAW These Terms shall be governed by and interpreted in accordance with the laws of the Republic of Kenya. Subject to any mandatory statutory dispute-resolution mechanism, the courts and competent tribunals of Kenya shall have jurisdiction over disputes arising from these Terms. 39. CHANGES TO THESE TERMS VunaBet may update these Terms where necessary because of: 1. Changes in law; 2. Regulatory requirements; 3. Changes to the Platform; 4. Changes to payment systems; 5. Security requirements; 6. Changes to game rules; or 7. Business requirements. Where appropriate, material changes will be communicated to players. Continued use of VunaBet after the effective date of updated Terms constitutes acceptance of the updated Terms, subject to applicable law. 40. SEVERABILITY If any provision of these Terms is determined to be unlawful, invalid or unenforceable, that provision shall be interpreted or modified to the minimum extent necessary to make it enforceable where legally permissible. The remaining provisions shall continue in effect. 41. ENTIRE AGREEMENT These Terms, together with: 1. VunaBet Privacy Policy; 2. Responsible Gambling Policy; 3. Withdrawal Policy; 4. Game Rules; 5. Promotions Terms; and 6. Applicable regulatory requirements, constitute the agreement between VunaBet and the player regarding use of the Platform, subject to applicable law. 42. WAIVER Failure by VunaBet to enforce any provision of these Terms does not constitute a waiver of VunaBet's right to enforce that provision later. 43. FORCE MAJEURE VunaBet shall not be responsible for failure or delay caused by circumstances beyond its reasonable control, including: 1. Natural disasters; 2. Fire; 3. Flood; 4. War; 5. Terrorism; 6. Civil unrest; 7. Government action; 8. Regulatory intervention; 9. Internet outages; 10. Telecommunications failures; 11. Payment-system failures; 12. Cyberattacks; 13. Power failures; or 14. Third-party infrastructure failures. This clause does not excuse obligations that cannot legally be excused. 44. CONTACT INFORMATION VunaBet Website: https://vunabet.co.ke Email: admin(@)vunabet.co.ke PLAYER ACKNOWLEDGEMENT Before creating an account, the player must confirm: "I confirm that I am 18 years or older, that the information I have provided is accurate, that I have read and agree to the VunaBet Terms and Conditions and Privacy Policy, and that I understand gambling involves financial risk, may be addictive and does not guarantee winnings." ☐ I confirm I am 18 years or older. ☐ I agree to the Terms and Conditions. ☐ I acknowledge the risks associated with gambling. IMPORTANT LEGAL NOTICE This document is intended as a comprehensive commercial Terms and Conditions draft and should be reviewed and approved by a Kenyan advocate specialising in gambling and regulatory law before VunaBet accepts real-money bets. The indemnity and limitation-of-liability provisions are intentionally qualified by the words "to the maximum extent permitted by Kenyan law." VunaBet should not attempt to contract out of statutory rights, regulatory obligations, consumer protections or liabilities that Kenyan law does not permit it to exclude. In particular, VunaBet should confirm its licensing position under the Gambling Control Act, 2025 before launching real-money gambling services.