Terms Of Use

 Terms Of Use 

Last Updated: 27 November 2025

Welcome to LoanStories.co.ke, a loan review blog providing informational content, opinions, and user-focused stories related to mobile loans, banks, USSD/SMS lenders, and digital credit services in Kenya and beyond.

By accessing or using this website, you agree to comply with and be bound by the following Terms of Use. If you do not agree, kindly discontinue your use of the site.

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#1. Content Purpose & Disclaimer

1. The content on LoanStories.co.ke is for informational and educational purposes only.

2. We do not provide loans, lend money, or facilitate loan disbursement.

3. All reviews, comparisons, ratings, and opinions shared are editorial views based on publicly available information, borrower experiences, and digital product research.

4. We are not licensed financial advisers under the Central Bank of Kenya or any other regulatory authority.

5. LoanStories.co.ke makes no guarantees regarding loan approval, interest rates, fees, penalties, or repayment timelines offered by any lender.

6. Borrowers are encouraged to independently verify loan terms before accepting any credit offer.

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#2. User Responsibility

* You acknowledge that any decisions made after reading content on this blog (including borrowing from any lender reviewed) are done at your own discretion and risk.

* LoanStories.co.ke shall not be held accountable for any financial loss, loan disputes, debt accumulation, or penalties incurred.

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#3. Intellectual Property Rights

1. All content published on LoanStories.co.ke — including text, graphics, logos, blog design, and structure — is the property of LoanStories.co.ke unless otherwise stated.

2. Unauthorized copying, redistribution, or commercial use of our content is not allowed.

3. You may share article links on social media, messaging platforms, or blogs — provided the content is not reproduced in full or altered to misrepresent the blog’s original intent.

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#4. External Services & Third-Party Links

1. Our articles may reference or link to third-party loan platforms, websites, apps, SMS numbers, or USSD codes.

2. We do not own, control, or administer these third-party services.

3. LoanStories.co.ke is not responsible for content, security, accuracy, or financial practices of any external websites or loan services mentioned.

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#5. Commenting, Submissions & Community Guidelines

Users who engage through comments or content submissions agree to the following:

✔️ Be respectful;

✔️ Share genuine experiences;

✔️ Avoid hate speech, harassment, spam, or misinformation;

❌ We do not allow:

* Promotion of illegal or harmful loan products

* Fake testimonials or misrepresentation

* Sharing of personal or sensitive data (phone numbers, ID numbers, loan PINs, transaction codes)

* Advertising without prior written approval

LoanStories.co.ke reserves the right to remove any comment or submission that violates these guidelines.

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#6. Website Availability

 LoanStories.co.ke does not guarantee that the site will be available 100% of the time, uninterrupted, or error-free.

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#7. Limitation of Liability

Under no circumstances shall LoanStories.co.ke or its owners be liable for:

* Financial decisions taken after reading our content

* Invalid loan terms or unexpected interest or fees from reviewed lenders

* System errors, SMS delays, USSD failures, or M-pesa transaction issues experienced by users on external lending platforms

* Direct or indirect damages from using the website

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#8. Privacy

Your use of the site is also subject to our Privacy Policy , which governs how any voluntarily submitted information on this blog is handled.

LoanStories.co.ke does not collect or request sensitive borrower data like national ID, loan PINs, or M-pesa transaction codes.

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#9. Amendments to Terms

 LoanStories.co.ke may modify or update these Terms of Use at any time without prior notice. Continued use of the site after updates constitutes acceptance of the new terms.

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#10. Governing Law

These terms are governed under the laws of Kenya.  Any disputes arising shall be handled within applicable Kenyan legal frameworks.

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 #11. Contact

For questions related to these Terms of Use, reach us via:

LoanStories.co.ke Support (Official email; ujeriblogs@gmail.com)

 We do not provide customer care for lenders reviewed on the blog.

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Final Note

LoanStories.co.ke is committed to:

🛡️ transparency,

📖 awareness,

and ✅ empowering borrowers to make informed lending choices.

Borrow carefully. Stay informed. Share your story responsibly