1. Acceptance of Terms
These Terms and Conditions ("Terms") govern your access to and use of the Serrari Wealth Builder™ platform (the "Platform"), a web-based financial literacy course application operated by Serrari Group Ltd ("we," "our," or "us"), a company incorporated under the laws of the Republic of Kenya. Please read these Terms carefully before accessing or using the Platform.
By creating an account, accessing, or otherwise using the Platform, you acknowledge that you have read, understood, and agree to be bound by these Terms and by the Wealth Builder Privacy Policy, which is incorporated into these Terms by reference. If you do not agree with any part of these Terms, you may not access or use the Platform.
2. Description of the Service
The Platform is a financial literacy and personal-finance tool designed to help you build knowledge and habits toward financial transformation. The Platform includes, without limitation, the following features:
- The 12-stage financial transformation course and all related course materials;
- Net worth tracking and financial snapshot tools;
- Budget creation and expense management tools;
- Investment calculators and financial planning utilities;
- Vision boards and goal-setting features;
- Community circles and user interaction features;
- The Daily Planner, routine alarms, and push, email, and in-app notifications;
- Calendar Sync — connecting a Google Calendar or Microsoft Outlook Calendar account to view and manage events alongside your Platform routine (see Section 7).
2.1 Educational Purpose Only — Not Financial Advice
The Platform provides general financial education and self-directed planning tools. It does not provide investment, tax, legal, or other professional advice, and nothing on the Platform constitutes a recommendation to buy, sell, or hold any financial product. Serrari Group Ltd is not a fund manager or a licensed investment adviser. Any financial decisions you make based on your use of the Platform are made at your own discretion and risk, and you should seek advice from a suitably qualified professional before acting.
3. Eligibility and User Accounts
3.1 Eligibility
The Platform is intended for use by persons who are at least eighteen (18) years of age. By creating an account or using the Platform, you represent and warrant that you are 18 years of age or older and that you have the legal capacity to enter into these Terms. We do not knowingly permit persons under the age of 18 to create an account or use the Platform.
3.2 Account Registration
To access certain features, you must register for an account and provide accurate, current, and complete information. You agree to keep your account information up to date. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account.
3.3 Account Security
You must notify us promptly at info@serrarigroup.com of any unauthorized use of your account or any other breach of security. We are not liable for any loss or damage arising from your failure to safeguard your credentials. We reserve the right to suspend or terminate accounts that we reasonably believe have been compromised or used in violation of these Terms.
4. Acceptable Use
You agree to use the Platform only for lawful purposes and in accordance with these Terms. You agree that you will not:
- Use the Platform in any way that violates any applicable law or regulation of Kenya or of any other jurisdiction from which you access the Platform;
- Impersonate any person or entity, or misrepresent your affiliation with any person or entity;
- Attempt to gain unauthorized access to, interfere with, damage, or disrupt any part of the Platform, its servers, or connected systems;
- Introduce any viruses, malware, or other harmful code, or attempt to probe, scan, or test the vulnerability of the Platform;
- Use any automated means, including bots, scrapers, or crawlers, to access or extract data from the Platform without our prior written consent;
- Reverse engineer, decompile, or disassemble any part of the Platform, except to the extent such restriction is prohibited by applicable law;
- Upload, post, or transmit any content that is unlawful, defamatory, harassing, abusive, obscene, or otherwise objectionable, including within community circles and discussion forums;
- Use the Platform to infringe the intellectual property, privacy, or other rights of any third party.
We reserve the right to investigate and take appropriate action, including suspending or terminating your account and reporting to law enforcement, against anyone who, in our sole discretion, violates this Section.
5. Subscriptions, Fees, and Payments
Certain features of the Platform are offered on a free tier, while others require a paid subscription or one-time purchase ("Premium Features"). Where you subscribe to Premium Features, the following terms apply.
5.1 Fees and Billing
The fees applicable to Premium Features are displayed on the Platform at the point of purchase. By subscribing, you authorize us and our third-party payment processors to charge the applicable fees using your selected payment method (for example, mobile money, debit card, or credit card). All fees are stated inclusive or exclusive of applicable taxes as indicated at checkout, and you are responsible for any taxes that apply to your purchase, including Value Added Tax and Digital Service Tax where applicable.
5.2 Renewals and Cancellation
Where a subscription renews automatically, it will continue for successive billing periods until you cancel. You may cancel a subscription at any time through your account settings or by contacting us at info@serrarigroup.com. Cancellation takes effect at the end of the current billing period, and you will retain access to Premium Features until that time.
5.3 Refunds and Changes
Except where required by applicable law, fees are non-refundable once a billing period has commenced. We reserve the right to change our fees and to introduce new charges, provided that we give you reasonable advance notice of any change affecting an active subscription. Your continued use of the Premium Features after a fee change takes effect constitutes your acceptance of the revised fees.
6. User Content
The Platform allows you to input, upload, and share content, including financial data, goals, vision boards, and posts within community circles ("User Content"). You retain ownership of your User Content.
By submitting User Content, you grant us a non-exclusive, worldwide, royalty-free licence to host, store, reproduce, and display that content solely to the extent necessary to operate and provide the Platform to you. We do not claim ownership of your financial data, and our handling of your personal data is governed by the Wealth Builder Privacy Policy.
You are solely responsible for your User Content and represent that you have all rights necessary to submit it and that it does not violate these Terms or the rights of any third party. We may remove User Content that we reasonably believe violates these Terms.
7. Third-Party Integrations and Connected Calendars
The Platform offers a Calendar Sync feature that lets you connect a third-party calendar account — specifically a Google Calendar account or a Microsoft Outlook Calendar account — so that your external events are displayed and managed alongside your Platform routine in the Daily Planner.
7.1 Authorization and Scope
Connecting a calendar is optional and requires you to authorize the connection through the relevant provider's authentication flow. By connecting an account, you authorize the Platform to access, display, and sync the calendar data described in the Wealth Builder Privacy Policy, and only that data. You may disconnect a connected calendar at any time through your account settings.
7.2 Governed by the Wealth Builder Privacy Policy
Your use of the Google Calendar and Microsoft Outlook calendar connections, and our access to, use, and handling of the resulting calendar data, is also governed by the Wealth Builder Privacy Policy. In particular, calendar data obtained through these integrations is used solely to power the Daily Planner and Calendar Sync feature, is never used for advertising, is never sold or used to train generalized AI models, and is permanently deleted when you disconnect the integration.
7.3 Third-Party Terms
Google Calendar and Microsoft Outlook Calendar are services provided by third parties and are subject to their own terms of service and privacy policies. Your use of Google APIs through the Platform is also subject to Google's applicable terms, and our use of information received from Google APIs adheres to the Google API Services User Data Policy, including the Limited Use requirements. We are not responsible for the availability, accuracy, or practices of these third-party services, and we do not warrant that the integrations will remain available or uninterrupted.
8. Intellectual Property
(a) Ownership: The Platform and its contents, including but not limited to the 12-stage course, text, graphics, logos, icons, images, audio and video clips, tools, and software, are the property of Serrari Group Ltd or its licensors and are protected by applicable intellectual property laws. The Serrari Wealth Builder™ name and mark are the property of Serrari Group Ltd.
(b) Limited Licence: Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform for your own personal, non-commercial financial education.
(c) Restrictions: You may not modify, reproduce, distribute, transmit, display, perform, publish, license, create derivative works from, transfer, or sell any content, tools, or materials obtained from the Platform without our prior written consent.
9. Disclaimer of Warranties
The Platform is provided on an "as is" and "as available" basis, without warranties of any kind, whether express or implied. To the fullest extent permitted by applicable law, we disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We do not warrant that the Platform will be error-free, uninterrupted, secure, or free of viruses or other harmful components, nor that any financial outcome, result, or benefit will be achieved through your use of the Platform. Any calculations, projections, and educational content are provided for general informational purposes only.
10. Limitation of Liability
To the fullest extent permitted by applicable law, Serrari Group Ltd shall not be liable for any indirect, incidental, special, consequential, or exemplary damages, including but not limited to damages for loss of profits, savings, goodwill, use, data, or other intangible losses, arising out of or in connection with your use of, or inability to use, the Platform, any financial decision made in reliance on the Platform, or any connected third-party integration. Nothing in these Terms excludes or limits any liability that cannot be excluded or limited under applicable law.
11. Indemnification
You agree to indemnify and hold harmless Serrari Group Ltd, its officers, directors, employees, and agents from and against any claims, damages, losses, liabilities, costs, or expenses (including reasonable legal fees) arising out of or in connection with your use of the Platform, your User Content, your violation of these Terms, or your violation of any rights of a third party.
12. Termination
You may stop using the Platform and request deletion of your account at any time as described in the Wealth Builder Privacy Policy.
We may suspend or terminate your access to the Platform, in whole or in part, at any time and without notice if we reasonably believe that you have violated these Terms, that your use poses a security or legal risk, or where required to comply with applicable law. Upon termination, the licences granted to you under these Terms will cease, and the provisions that by their nature should survive termination — including intellectual property, disclaimers, limitation of liability, indemnification, and governing law — will continue to apply.
13. Governing Law and Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of the Republic of Kenya. Any dispute arising out of or in connection with these Terms or your use of the Platform shall be subject to the exclusive jurisdiction of the courts of Kenya. The parties agree to attempt to resolve any dispute amicably, and to attempt mediation, before initiating formal legal proceedings.
14. Changes to These Terms
We reserve the right to modify or update these Terms from time to time to reflect changes in the Platform, our practices, or applicable law. When we make material changes, we will update the effective date, publish the revised Terms on the Platform, and, where appropriate, notify you through a prominent notice on the Platform or by email. Your continued use of the Platform after the revised Terms take effect constitutes your acceptance of the updated Terms.
15. Severability and Entire Agreement
If any provision of these Terms is held to be invalid, illegal, or unenforceable, the validity, legality, and enforceability of the remaining provisions shall not be affected or impaired. These Terms, together with the Wealth Builder Privacy Policy, constitute the entire agreement between you and Serrari Group Ltd regarding your use of the Platform and supersede any prior or contemporaneous agreements, communications, and proposals, whether oral or written.
16. Contact Us
If you have any questions, comments, or concerns about these Terms, please contact us at:
- Serrari Limited
- Email: support@serrarigroup.com
- Address: No. 3 Ridgeways Palms, Ridgeways Lane, P.O. Box 73188-00200, Nairobi, Kenya
- Telephone: +254 713 600 713