Terms and Conditions for Mothers

Version 2026-10. Please read these terms before you start a plan. If anything is unclear, call us on +254 706 004 003.

1. About these terms

These terms are an agreement between you and ZaziPoa ("ZaziPoa", "we", "us"), Nairobi, Kenya. They apply when you use the ZaziPoa website, SMS service or WhatsApp assistant. By ticking the box when you sign up, or by continuing on WhatsApp, you accept these terms and our Privacy Policy.

2. What ZaziPoa is, and what it is not

ZaziPoa helps you pay a verified clinic for a maternity package in small amounts over time, before your baby is born. We list verified clinics, set up your weekly plan, send reminders, and keep a record of your payments.

• We are not a lender. You are paying in advance for care. There is no loan, no interest and no debt.
• We are not an insurer. ZaziPoa does not cover costs beyond the package you choose.
• We are not a hospital or clinic, and we do not give medical advice.
• We do not hold your money. You pay your clinic directly through M-Pesa or Airtel Money, or online where your clinic offers it.

3. Who can use ZaziPoa

You must be a woman who is pregnant, using ZaziPoa for your own maternity care, with a Kenyan phone number. You need a National ID to sign up yourself. If you are under 18 or do not have an ID, please call us: we will help you register with the consent and help of a parent or guardian.

4. Your account

• Give true and complete information. Your clinic uses your name and ID number to confirm it is you.
• Keep your phone and the codes we send you private. Never share a login code with anyone, including people who say they are from ZaziPoa.
• Your clinic card code is for your clinic. Show it only at reception.

5. Your plan

• When you choose a package, its price is fixed for you at the price shown on the day you start, even if the clinic later changes its prices.
• We work out a suggested weekly amount so that you finish about two weeks before your due date. You may pay more or less in any week. There are no penalties.
• If you have not paid the full package by your delivery, you agree any balance directly with your clinic.
• Your package covers only what is listed. If you need extra care (for example a Caesarean section or a longer stay), your clinic will charge for it, and everything you have already paid counts toward your bill.

6. Payments

• You pay your clinic's own M-Pesa Till, Paybill (using your card code as the account number) or Airtel Money account. ZaziPoa never receives your payment.
• Where your clinic offers online payment, you can pay by M-Pesa pop-up or card through our licensed payment provider (Flutterwave). The provider pays the money into your clinic's own account; ZaziPoa does not receive or hold it. Your balance updates once the provider confirms the payment.
• After paying, enter the transaction code on ZaziPoa or send it on WhatsApp. Your clinic confirms it against its records, and you receive a receipt by SMS.
• Only report payments you really made. False reports may lead to your account being closed and may be reported to the authorities.
• Any charges by Safaricom or Airtel for sending money are paid by you, as with any mobile money payment.

7. Your health and care

• Your clinic alone is responsible for your medical care, its quality and all medical decisions.
• ZaziPoa and its WhatsApp assistant do not give medical advice. If you feel unwell, or notice danger signs such as bleeding, severe headache, fits, fever or your baby not moving, go to the nearest health facility immediately.
• In an emergency you can go to any health facility. Under the Constitution of Kenya, no one may be denied emergency medical treatment.

8. Changing clinic, stopping, and refunds

Contact your clinic and ZaziPoa. Refunds and transfers follow the agreement with your clinic. Because your money is paid to the clinic, any refund comes from the clinic. ZaziPoa will help you and the clinic reach a fair outcome under the clinic's agreement with us.

9. Messages

You agree that we send you SMS and, if you use it, WhatsApp messages about your plan: login codes, receipts, weekly reminders and important updates. Our WhatsApp assistant is automated and uses artificial intelligence to understand messages; a person can help at any time if you type STAFF. You can stop WhatsApp messages by typing STOP. Login codes and receipts continue while your plan is active.

10. Fees

ZaziPoa is free for mothers. We never charge you a fee. Clinics pay us for using the platform.

11. Your personal data

We handle your personal data under Kenya's Data Protection Act, 2019, as explained in our Privacy Policy. We share your plan and payment details with the clinic you choose so it can deliver your care.

12. Complaints and problems

If something goes wrong with a clinic or with ZaziPoa, use Report a problem on your ZaziPoa page, type STAFF on WhatsApp, call +254 706 004 003 or email info@zazipoa.co.ke. We aim to respond within 2 working days.

13. Our responsibility

We check each clinic's registration, licences and documents with care before it can appear on ZaziPoa, and we act on reports from mothers. We cannot guarantee the services of any clinic. To the extent allowed by law, ZaziPoa is not responsible for the medical care, acts or omissions of clinics. Nothing in these terms limits your rights under the Consumer Protection Act, 2012 or any other law of Kenya.

14. Closing an account

You can stop using ZaziPoa at any time by contacting us. We may suspend or close an account that gives false information, reports false payments, abuses staff or clinics, or misuses the service.

15. Changes to these terms

We may update these terms. We will tell you about important changes by SMS or on the website before they apply. Continuing to use ZaziPoa after that means you accept the new terms.

16. Law and disputes

These terms are governed by the laws of Kenya. If we have a disagreement, we will first try to settle it by talking with you. If that fails, either of us may refer it to mediation, and then to the courts of Kenya.

17. Contact us

ZaziPoa, Nairobi, Kenya. Phone or WhatsApp: +254 706 004 003. Email: info@zazipoa.co.ke.