Best Cities for Startups in East Africa

It’s a whole new age for starting up companies. Those cities that were once considered ridiculous to start a business in, are nowadays especially lucrative for entrepreneurs. This has a lot to do with development of the Internet, thanks to which, starting up companies can be done almost anywhere. Places that were deemed backwaters by businessmen of the 20th century, are now using their disadvantages to excel at certain types of businesses. Naturally, investments have followed in suit, which has helped these cities rise from the ashes into new, bigger shoes of world’s business centers.

Kampala, Uganda

Kampala

Widely regarded as the best East African capital to live and work in, Kampala hides its lucrativeness behind a humble outlook. A capital of a country, extremely friendly towards strangers, tourists and expatriates, this city is a perfect spot for your company’s branch abroad. Naturally, where tolerance goes, the diversity follows – Uganda is the world’s most diverse nation.

With more than 40 ethnic groups to brag about, it is home to citizens of various nations, whether it’s expatriates, refugees or immigrants that we’re talking about. In addition to many cultural landmarks and beautiful nature that it has to offer, this country has seen an enormous economic growth in the past couple of years.

Dar es Salaam, Tanzania

Dar es Salaam

Here’s an interesting fact – this town literally means “Haven of Peace”, when translated to English. With a name like that, Dar es Salaam has quite some shoes to fill – and, luckily for any young entrepreneur – it certainly does so. Inspired by African, Indian, Arabic and even German influences, this town hides a lot of diverse history and stories. Quite some more upbeat than other East African capitals, this is a city in which having fun is more than possible – it is almost unavoidable.

However, what is very important with regards to this town, in terms of business is that, although it’s upbeat, it is not at all fast-paced and embroidered with night clubs and wild nightlife, which gives this city a more serious, professional note. For the first time visitor or entrepreneur planning a startup here, it is convenient to browse the internet and websites like Kupatana for real estate or other things they will need when they set up a business.

Nairobi, Kenya

Nairobi

Now if you’re looking to set up a business in a more business-oriented environment, Nairobi just might be a perfect place for you. Bustling with a myriad of opportunities, this East African capital is home to a huge language diversity. A great deal of Kenyans speak Mandarin, Spanish, German, French, Russian, Arabic, not to mention English and their native Swahili.Yet another lucrative benefit which this city has in offer is a moderate climate, with low humidity and pleasant temperatures. However, if Nairobi excels at something, it is the diversity of its tech scene. A technological hub of the entire Africa, Kenya’s tech exports in 2010 were valued at US$360 million! 

Kigali, Rwanda

Kigali

While this town might be lagging a couple of steps behind the mentioned, what it has to offer in amounts way more significant than the rest of the bunch, is a ton of opportunity. Let’s face it – the boom that the Internet has caused all over East Africa has inspired a lot of competition within its capitals. This is where Kigali kicks in. While it is far from a blank piece of paper when it comes to setting up businesses, it offers a lot more room for those professional enough, yet in search for a safe spot for making an expatriate business.

So there you have it, 4 East African capitals to set up businesses in. Quite safe, lucrative and with a ton of interesting features, immensely beautiful sights and convenient East African climate, these cities have moved a long way in the past couple of decades.

Nate M. Vickery is a entrepreneur and business consultant from Sydney, Australia, who is looking to start a tech company in East Africa. He is an editor on Bizzmarkblog.com.

THIS DAY IN HISTORY: Nelson Mandela,ordered his supposedly jailors,the apartheid regime to fly

THIS DAY IN HISTORY...
It was on this date in 1989,when the controvertial prisoner;Nelson Mandela,ordered his supposedly jailors,the apartheid regime to fly Kgalabi Jafta Masemola,the PAC leader to him in Cape Town,Masemola whom Mandela found and left in Robben Island,was at that time in Leewkop prison awiting his release.
The details of that meeting were never made public,however those close to Masemola had said he came out of that meeting not happy at all,it is said that Mandela wanted him Masemola to play along and join the negotiations that he Mandela had started and concluded many years ago,and Masemola response was that it was not the right time yet,he told Mandela that the apartheid government was still strong and it still needed to be weakened.and of cause he was telling that to a certified baas boy,who did not care about the people's liberation but had one thing in his mind,just to see himself being sown in as the president of SA.
An obvious Mandela's masters wanted to know about the results of the meeting,how it went.on hearing Masemola's position,a decision was therefore taken that Kgalabi Jafta Masemola would be a problem to this new deal,he had to go and meet his ancestors.
A plan was cooked and six months later it worked,Masemola who since his release,unlike others was closely monitored,recieved a warm welcome in his hometown of Attredgeville were a stadium was filled to capacity,something that the apartheid regime and their partners feared and not liked,the police were sent there to tell the crowd to disperse.exactly six months later Masemola would be involved in a controvertial car accident which took his life,it was alledged that the truck caused that accident,but to this day that truck or its driver were never found....

Step by Step: Add Background Music To Any Application On Android Phone

Steps To Add Background Music On Any Android App

1. First of all you need the app Tasker and this can be get with the seven day free trial from its site and also you can download Tasker from Google Play store

2. Now after installing the app in your android,launch it and go to Settings -> Accessibility - > Tasker and enable the app.

3. Now go back to app drawer and launch the taskbar app and you will see a display screen

4. Now in the profile tab click on plus (+) button there to create a new profile in the app.

5. Now you will see lots of option there and you will select application option there as we are adding background music to the apps.

6. Now click on the all button to show all the app which you can select to add music to them. Choose the app where you want to add background music.

7. Now press back and click on options and select new task to add a new task to the profile that you had created.

8. Now click on plus button and add new action with any name like bgmusic etc.

9. Now click on plus button to add action and there add a new task.

10. Now there type “Music Play” in the filter box, and select the option that says “Music Play”.

11. Now click on next and there in file select the music file that you want to set background music in the app and check the option loop.

12. Now after selecting click on back button two times and you will be there in your profile section.

13. Now long press options there and select the Exit Action.

14. Now there in the filter list type music Stop and select the filtered option appears.

15. Now don’t do any changes and press back button two times.

16. Now long press on the launcher name and select the state now.

17. Now select display there, and then select “Display State”.

18. Now under IS select on.

19. Now come back and you will see the options like below in your app.

20. Thats it you are done, now you have successfully added music in background of your

4 Best Android Apps to make Free Calls all Over the world

Android devices completely changed the mobile technology in last few years. These days phones are not limited to calling and listening, instead it can compete with computers in every field like internet, multimedia, business etc.
We can now be able to make calls all over the world with these simple trick.

1. Bigo Free calling app for android users

Bigo is an android app that give free minutes every month for users.

They are giving 400 credits for each month for all users. Users can increase their credits by refering friends to bigo app.

download bigo app now and start calling without paying , download bigo from playstore

2. Dingaling: Free Calling Minutes Providing Android App

Dingaling is an another android application that provide free calling minutes on every month. On every month first you will b recharged with free minutes.

Dingaling is very easy to use and you can call even in 2g network. Also, Dingaling provide free sms service too.

Download Dingaling android app free and starting calling your friends free –download it from Google playstore

3. Voxox: Free 1$ every month for calling

Voxox is an another android app that offer 1$ every month to users. Users can use this 1$ for calling all over the world.

it is also a simple application. Try voxox and start enjoying international calls for free

Download Voxox and start calling all over the world for free – download from Google playstore.

SEE ALSO: 

How To Change IMEI Number of Nokia Lumia (All Windows Phone).

4. Xone Free calling providing android app Xone provides 100 free minutes for it’s users on every month.

It support 17 countries. You can enjoy free calling service with Xone. Download Xone Now and start enjoying free calling – download from playstore.

Share you experience too.

Step by step Internet Marketing Strategies - Business processes you must follow

A summary of the essential step by step process your business must follow to be successful online for website marketing.

Get this wrong and you will regret it as this has been proven to have the maximum impact on your business`s growth potential.

1) Keyword Research
-----------------------------
A professional keyword research service eliminates guesswork so that you can invest your marketing budget wisely to boost your leads and sales. Visit the link bellow to find the demand for your product or service online



2) Competitive Analysis
-------------------------------------
Pick you battles wisely. Discover the intelligent & quickest way to beat your competition. Apply for your competitor research now



3) Creation or upgrade of your website based on advanced conversion design principles (Not what you web developer looks at most of the time)

Install Google Analytics (Its completely free and worth $1000`s)

4) Google Adwords Audit
--------------------------------------
Test which keyword phrases actually convert into a qualified lead or sale using pay per click first (Google Adwords)

Our Google Adwords professional management service is guaranteed to grow your sales & reduce costs, more efficiently. Apply for a professional Google Adwords audit for FREE now.




5) SEO - The left hand side of Google once you know which keyword phrases actually convert.

If you take 6,12, 18, 24 months to get your keyword phrases found on Google and then it does not convert how frustrated will you be not to mention how much money you will have saved paying an SEO company to get you found on Google

On Page Optimisation
---------------------------------
Order your professional on page optimisation report now to learn how to beat your no 1 competitor on Google


6) Track and test what works that could increase your conversion by 2%+ just by changing your call to action, guarantee or offer

5% off your first job, courtesy of your friend Oscar

Join me on PeoplePerHour I have been using PeoplePerHour.com a marketplace connecting curated freelance talent with remote work, anything from 1 hour upwards. ACCEPT INVITATION © 2007 - 2015 PeoplePerHour All rights reserved This is an important notification helping you quickly get the most out of PeoplePerHour. You can change your notification settings here

10 GENUINE REASONS WHY PREFER TWITTER OVER FACEBOOK

From the conversation # WhyIPreferTwitterOverFB, it is clear that the
larger part of people do prefer twitter over facebook.
I guess well that most of us have twitter and facebook accounts. It
means you have the experience as well.

Below are top 10 reasons as to why twitter wins over FB.

1. Tweeps are more organized and decent.
I mean there is more formality on twitter.
2. It's claimed that only intelligent people use twitter. Really?
3. There Is No Edit Button After You Tweet.
We now capture the true/original posts.

4. Most of relatives and childhood friends are not here.

5. There are no non sense like clock here if you like, type amen if
you believe and many other blal blah blah.

6. Twitter girls don't rant about their troubles like in Fb. We only
have characters here...we use space wisely.

7. Facebook is where you lie to your friends.Twitter is where you r
honest with complete strangers.

8. You don't have to check if your crash changed his relationship status.

9. High school kids rule on facebook while adults rule on twitter.

10. Because the news feed isn't full of girls begging for likes on
their profile picture...
But full of timely updates.
I'm not biased.

Bye!

WHY AFRICA MUST UNITE NOW!

Black Power.
 The time as come'' 4 us to come unite and reason together as 1..united we STAND divided we FALL.

For centuries now, there have been series of unending debate on how Africa can make progress in its developmental effort. More than a million people have come out with blue prints; with others suggesting varied political ideologies for various African countries. Nonetheless, not a single of these expert minds, quasi expects and critics have debunked the argument on the need for Africa Unity. Even the greatest critics as Edmond Young put it, “those who live no turn unstoned,” are speechless on this fact of Africa Unity.

Now if all hearts seem to fall for the need for Africa unity, then what is Africa waiting for? Is it that African leaders are adamant on the call for Africa unity or they do not see the urgency of the call? Maybe there is no clear blue print drawn for action or worse still the A.U is now comfortable than ever with the situation on the continent.

Stirring at A.U’s face are traumatizing facts and figures gathered on the continent. Coupling with enormous solar potentials and mineral resources, it is found out that, Africa alone harbours 40% of the world’s potential hydroelectric power leading Europe and North America which has 10% and 13 % respectively, but it is sad to know that less than 1% of the resource has been developed.

If you ask me this question, “Why must Africa unite?” I will throw these three questions at you as a typical African man.

1. Does Africa want to be taken seriously as a world power?
2. Does any African country have the economic and political muscle to attain first world status?
3.  Do African countries ever want to have unbridled independence and peace in pursuing their development agenda?

Your answers to these questions might be as right as mine. Yes! Indeed an emphatic YES!!! If it is rather the otherwise, then I’m sorry. I beg to differ. You might be as oblivious about the nature of the situation on the ground as the ancient monarch who after been told by her subjects that the people had no “bread and butter”, asked them to go get “cake and cheese.”

Nothing comes easy, so says the old age adage. To attain such level of economic and political autonomy does not come on a silver platter. Certainly the world powers of today shall perpetually be there to “kick away the ladder” so we never reach the top.

This is confirmed by the words of The Greatest African of the Millennium, Kwame Nkrumah that, “Never in the history of the world has an alien ruler granted self-rule to a people on a silver platter.” It certainly has to be fought for if we ideally need it.

Carl Marx in his Communist Manifesto said, “Workers have nothing to lose than their chains. They have everything to gain. Workers in this world unite!” Standing on the cross roads of a brighter and a more prosperous future and that which is gloomy, uncertain and bleak, Africans have nothing to lose than the shackles of neo-colonialism and sheer imperialism in the struggle for our full political and economic independence.

The west today is invariably having Africa by the balls. They seem to be going by the advice of Niccolo Machiavelli to the Prince in his book, The Prince, “have them by the balls and their hearts and minds shall follow.”

Today it’s an open secret that, when the West sneezes, the rest of us in Africa catch cold. African countries have for years either been coerced or cajoled into certain economic agreements or been made to adopt policies which defiles their own developmental purpose and rather resulted in their economies been crippled and left vulnerable to the “storms of the West”.

In waking up and to resist this oppression and hostile paternalistic foreign policy towards Africa, African leaders need teeth which are strong enough to bite the fist of the western forces off our balls which they tightly hold.                                                                                                                                                Having known this, Africa has no option than to unite. In unity lies our strength to resist any form of foreign domination and oppression. In unity lies the socio-cultural, political and economic development for which we clamour. In unity marks the threshold of our journey from third world to first world. In unity lies our strength, the strength of Africa; the world’s awaiting power.

It would have being better if Africa had united centuries ago but I speak unequivocally to say that, the best time for Africa to unite is now!!!

There is no need for us to reinvent the whale. History makes it glaring that some of the world powers we have today were even worse off centuries ago before they could dust off their pants to forge ahead for development.

Firstly, the union between England and Scotland in the 17th Century was seen from all angles as extremely impalpable. Invariably, the quest for military, economic and political stability and invincibility made the English fight on until the final union in 1707 which brought forth to the present day Great Britain.

Moreover, the struggles faced by the U.S in the 17th & 18th Century within its territory – between various, ethics, religious, political and economic groups – and with other countries, made their call for unity utterly imaginary. Nevertheless, the value of a united America, made a whole century struggle looked like a day to the ambitious founding fathers of the United States of America.

Until 1949 when Chinese Communist Party won the civil war and established The People’s Republic of China (PRC), China was engulfed by series of wars among the various provinces. But before the PRC could think aloud for development and progress, it first had to settle down to unite the various provinces within its territory.

Finally, Europe after 30 long years of brutal war and antagonism among the various countries therein, with Hitler of Nazi Germany gruesomely baking over 6 million Jews to mention but a few, has finally succeeded in forming the European Union – a Union which is openly rejected today by some European countries.

What actually should stop Africa from uniting at once? Borrowing from the statement of Carl Marx, in his book the Communist Manifesto, Africa has nothing to lose than our chains. We have everything to gain in this struggle for socio-cultural, political and economic unity.

Abraham Lincoln in his struggle for the Union of the United States of America said in his letter to Horace Greeley, “If I could save the Union without freeing any slave, I would do it; and if I could save it by freeing all the slaves, I would do it…”

African leaders must know that, Africa Unity is primary. It shall not be the climax of Africa’s achievement and glory but rather the start line of Africa’s development and progress.

African leaders! Rise up now or forever perish!!!

Africa must unite now!!!

credit goes to ISAAC ADUSEI - AFRICAN YOUTH ADVOCATE -GHANA.

HOW TO GET YOUR T.S.C PAYSLIP ONLINE

Hi there,
TODAY IM GOING TO SHOW YOU HOW YOU CAN GENERATE YOUR PAYSLIP ONLINE FOR TEACHERS.
TEACHERS SERVICE COMMISSION

Register
Fields marked * are mandatory.
   
*T.S.C Number    
*Surname Name     Case Sensitive
* First Name     Case Sensitive    
* Other Name     Case Sensitive    
*ID Number     eg 123456789    
*TAX Pin     eg A123456789Z    
* Date Of Birth     Day Month Year    
*Designation Code     eg 3AVKK    
*Paystation Code     - - eg 14701-101-0026    
*Account Number     eg 1234567890    
*Phone Number(Mobile)     eg +254722123456    
* Personal Email     eg info@tsc.go.ke
      Please enter a valid email address.
* Enter New Password    
Password must be at least 6 characters (Letters & Numbers)
* Confirm New Password    
* Select Secret Question    
* Secret Answer    

   

I'm sorry to tell you that the current system doesn't work.
 Don't sit here over the internet while you can save time and do other meaningfull things.
You can read How To Join Safaricoms' Postpaid Tariff
The Best solution is for you as a TSC teacher tog go the manual way for now.

How to Join Safaricoms' Postpaid Tariff

The PostPay advantage enables you to continue communicating without
the concern of disrupted conversations because of insufficient credit,
what's more, you have access to exclusive new services.

To Sign Up:
You will be required to visit a Retail Shop and:
*.Fill out an application form
*.Attach a copy of your ID to the application form
*.Make payment.

You will be subscribed oooh!

Safaricom: Difference Between Prepaid and Postpaid

With a prepay line you need to top up the line to enable you to use
the service whereas postpaid enables you to continue communicating
without the concern of disrupted conversations because of insufficient
credit.

How does one Unsuscribe or Deactivate any Charged SMS Services

This applies to safaricoms' prepaid and postpaid customers in Kenya.
Simplytdial Dial *100# on prepay or *200# on postpaid and follow
instructions under charged sms service.

How to Activate Safaricoms' Missed call Alert Service

For Missed call alert the procedure for activation/deactivation is as below;

� Activation; Dial **62*0722199199#.
� Deactivation; Dial ##62#
NB: You can also divert using the handset feature by diverting calls
to number 0722199199.

Leave a Comment!

M-BANKING (USSD Codes) M-PESA to Bank (paybill no.)

M-PESA to Bank and Bank to M-PESA is a service designed to enable
M-PESA customers to conveniently move money from their bank account to

M-PESA account on their mobile handsets and vice versa without
stepping a bank.
Below are the most useful m-banking codes:
1ABC Bank
111777
2Bank of Africa*987#972900
3Barclays Bank K LTD*224#303030
4CFC Stanbic*208#600100
5Chase Bank*167#552800
6CITIBANK N.A KENYA
100229
7Comm. Bank of Africa*654#880100
8Consolidated Bank LTD*262#508400
9Co-operative Bank*667#400200
10DTB*385#516600
11Ecobank*335#700201
12Equatorial Commercial Bank
498100
13Equity*247#247247
14Family Bank Ltd*325#222111
15Faulu DTM*339#328585
16First Community Bank Ltd*342#919700
17Gulf African Bank*399#985050
18Housing Finance Company LTD*231#100400
19I & M Bank Limited*458#542542
20IMPERIAL BANK LTD
800100
21Jamii Bora Bank
529901
22KADET Ltd*985#200555; 549900
23KCB*522#522522
24K-REP BANK*527#111999
25KWFTDTM*378#101200
26Musoni*279#514000
27National Bank*625#547700
28NIC Bank Limited*488#488488
29Post Office Savings Bank*498#200999
30Prime Bank
928800
31Rafiki DTM*366#802200
32SMEP DTM*952#777001
33 Standard Chartered Bank*722#329329
34Transnational Bank*862#862862
35 UBA Bank
559900
36 Uwezo DTM
504600

How to Sign Out from Sessions on Google Gmail Account

It is good to know all the activities going on through your google accounts.
You never know who might maliciously get into your account at any
time. Most of the time, there is a password autosave feature in most
of the browsers we use.
We mostly know the logout feature without having concern on the other
part of it.
Okay, i have got a trick to make you safe from now on. Gmail is all in
one account provided by google to ease what we do online. And it is
your duty to take care your right to privacy and safety.
Below is a step by step procedure to Sign Out from Sessions on Google
Gmail Account:
step 1:
log into your GMAIL ACCOUNT.
If it appears in mobile version, switch to classical or desktop mode.
Step 2:
scroll to the bottom of it, you will see 'Last account activity: x
minutes ago on this computer. Details.
Then click on details.
Step 3:

Successfully signed out of all other sessions.
Note: Users can log in again, if they know your password or have it
saved on their computer. If you're concerned about someone using your
account without your permission, please change your password.

How KCB M-PESA work: Stp by Step Procedure

    You will not be able to top-up to the amount saved.
    Locked periods include 1, 3, 6, and 12 months with minimum amount of Kshs.500.
    Upon early or premature redemption, you will forfeit all interest accrued.

    You get cash back immediately to KCB M-PESA account on prompting cash back
    You also get Life insurance benefit based on fixed deposit savings.

Target Savings Account

This account allows you to set a target and make deposits towards achieving that target.

How does it work?

    1. You will top up continuously until you achieve your target.
    2.The account is accessible with standing orders from M-PESA or KCB M-PESA Account
    You can choose from target periods of 1, 3, 6 and 12 months with minimum contribution of Kshs.50.
    3.You will also earn interest on cumulative interest
    4. You are allowed up to 4 withdrawals within target lock period to maintain interest.
    5. You will get cash back immediately to your KCB M-PESA account on prompting cash back
    6.   You benefit from exciting Interest rates of 1 month (3%), 3 months (4%), 6 months (5%) and 12 months (6%)

WHAT IS KCB M-PESA Account

KCB M-PESA is a savings account that enables you to access instant loans up to Kshs.1M upon dialing *844#.

The KCB M-PESA Account features include:

    Minimum saving of Kshs.1 and maximum saving of Kshs.1M
    Personal accident insurance benefit based on savings
    Interest on savings of 2% p.a.

You may load your savings easily and conveniently via M-PESA, KCB Mobi, Mtaani agent and/or branch and withdraw your KCB M-PESA account savings only via M-PESA.

Loans

You can borrow instantly without saving with disbursement being to KCB M-PESA Account Loan Limits (Kshs.100 to Kshs.500,000 with a top up option)

You can choose flexible repayment periods of 1 month, 3 months and 6 months via M-PESA, KCB M-PESA Account and Mobi/Branch/Mtaani with an option of Partial payments.

The interest on the loan include:

    30 day loan at 4% per month (4%)
    90 day loan at 3% per month (9%)
    180 day loan at 2% per month (12%)

The KCB M-PESA Account Fixed Deposit accounts

There are two types of fixed deposit accounts available to you as a KCB M-PESA Account holder. They include

    Fixed Savings Account
    Target Savings Account

Fixed Savings Account

This Account allows you to lock a specific amount of cash for a certain period of time.

How to open a KCB M-Benki Account 2015

Brief History:

The history of KCB dates back to 1896 when its predecessor, the National Bank of India opened an outlet in Mombasa. Eight years later in 1904, the Bank extended its operations to Nairobi, which had become the Headquarters of the expanding railway line to Uganda.
The next major change in the Bank’s history came in 1958. Grindlays Bank merged with the National Bank of India to form the National and Grindlays Bank.

 How to open a KCB M-Benki Account:


    Go to MPESA Menu,
    Payment Services, Pay Bill Option, Enter Business No. 522522
    Enter Account, type ID (No Spaces) and your National ID Number e.g. ID23456789
    Enter amount to deposit, then your MPESA PIN
    You will receive two SMS's. One with your M-Benki Account Number and the other with your User ID and PIN.
    Access the account through *522# and enjoy all KCB Mobi Bank services.

KCB M-PESA ACCOUNT TERMS AND CONDITIONS 2015

Before you subscribe to certain services, it's advisable to go through the terms and conditions.
i have made this blog post for you to quickly see through them.
Regulated by the Central Bank of Kenya
KCB M-PESA ACCOUNT
TERMS AND CONDITIONS
TERMS AND CONDITIONS FOR THE KCB M-PESA ACCOUNT

1.    THE AGREEMENT
1.1.
This Agreement sets out the complete terms and Conditions (hereinafter called
“these Terms and conditions”) which shall be applicable to the KCB M-PESA Account
(as hereinafter defined) opened by you (as hereinafter defined) with the Bank (as
hereinafter defined).
1.2.
These Terms and conditions and any amendments or variations thereto take effect on
their date of publication.
2.    DEFINITIONS
2.1.   
In these Terms and Conditions the following words and expressions (save where the context
requires otherwise) bear the following meanings:
2.1.1.   
“Bank” means Kenya Commercial Bank Limited incorporated in Kenya as a limited
liability company under the Companies Act (Chapter 486 of the Laws of Kenya) and
duly licensed as a bank under the Banking Act (Chapter 488 of the Laws of Kenya)
and includes subsidiaries of the Bank as may from time to time be specified by the
Bank to you;
2.1.2.   
“Credit Reference Bureau” means a credit reference bureau duly licensed under the
Banking Act pursuant to  the Banking (Credit Reference Bureau) Regulations, 2013,
as amended, revised or promulgated from time to time, to inter alia, collect and
facilitate the sharing of customer credit information;
2.1.3.   
“Customer” means the person in whose name the KCB M-PESA Account with the
Bank is existing;
2.1.4.   
“Customer Care Centre” means any Safaricom Retail Shops or Bank Branch or such
other Bank Agent or Agents as may be notified to the Customer by the Bank from
time to time;
2.1.5.   
“E-Money” means the electronic monetary value depicted in your M-PESA Account
representing an equal amount of cash;
2.1.6.   
“Equipment” includes your mobile phone handset, SIM Card and/or other equipment
which when used together enables you to access the Network;
2.1.7.   
“IPRS” means the Integrated Population Registration System set up and maintained by
the Government of Kenya under the Ministry of State for Immigration and Registration
of Persons and its successors;
2.1.8.   
“KCB M-PESA Account” means a bank account held by a Customer with the Bank
and which is opened and operated in accordance with the Terms and Conditions
herein contained;
2.1.9.   
“KCB M-PESA Products” means the other Bank accounts, products or services offered
to the Customer to complement the KCB M-PESA Account;
2.1.10.  “KCB M-PESA Menu” means the  KCB M-PESA Menu on the  M-PESA System;
2.1.11.   “KCB M-PESA Loan Menu” means the KCB M-PESA Loan Menu on the M-PESA System;
2.1.12. 
“M-PESA   Account”   means   your   mobile money store of value, being the record
maintained by Safaricom of the amount of E-Money from time to time held by you
in the M-PESA System;
2.1.13.
“M-PESA  Service”  means  the  money transfer and payments service provided by
Safaricom through the M-PESA System;
2.1.14.
“M-PESA  System”  means  the  system operated by Safaricom in Kenya for the
provision of the M-PESA Service using the Network;
2.1.15.
“KCB M-PESA PIN” means your personal identification number being  the  secret  code
used to access and operate the  KCB M-PESA Account;
2.1.16.
“M-PESA Subscriber” means any person registered to use the M-PESA System to send
or receive money or make payments;
2.1.17.  “Network”  means  the  mobile  cellular network operated by Safaricom;
2.1.18.
“Request” means a request or instruction received by the Bank from you or purportedly
from you through the Network and the System and upon which the Bank is authorized
to act;
2.1.19.
“Safaricom” means Safaricom Limited incorporated in Kenya as a limited liability
company under the Companies Act (Cap 486 of the Laws of Kenya);
2.1.20.
“Services” shall include any form of financial services or products that the Bank may
offer you pursuant to this Agreement and as you may  from  time  to  time  subscribe 
to  and “Service” shall be construed accordingly;
2.1.21. 
“SIM  Card”  means    the    subscriber  identity  module  which  when  used  with  the
appropriate mobile phone handset enables you to access the Network and to use
the M-PESA and KCB M-PESA System;
2.1.22. 
“SMS” means a short message service consisting of a text message transmitted from
one mobile phone to another;
2.1.23. 
“System”  means  the  Bank’s  electronic  banking  and  communications  software
enabling the Customer to communicate with the Bank for purposes of the Services.
The System and the Services will for the purpose of this Agreement be accessed
through the Safaricom System;
2.1.24. 
“Transaction Fees” includes the any fees and charges payable for the use of the
Services as published by the Bank on the Bank’s website and/or Safaricom’s website
and/or the daily newspapers in Kenya or by such other means as the Bank shall in its
sole discretion determine. Transaction Fees are subject to change at any time at the
Bank’s sole discretion;
2.1.25. 
“We,” “our,” and “us,” means the Bank and includes the successors and assigns of
the Bank;
2.1.26. 
“You” or “your” means the Customer and includes the  personal  representatives of 
the Customer;
2.1.27. 
The word “Customer” shall include both the masculine and the feminine gender as
well as juristic persons;
2.1.28. 
Words importing the singular meaning where the context so admits include the plural
meaning and vice versa.
3.    ACCEPTANCE OF THE TERMS AND CONDITIONS
3.1.   
Before  applying  to  open  the  KCB  M-PESA  Account  via  the  M-PESA  System  you  should
carefully read and understand these Terms and conditions which will govern the use and
operation of the KCB M-PESA Account.
3.2.   
If you do not agree with these Terms and conditions, please click “Decline” on the KCB
M-PESA Menu.
3.3.    You will be deemed to have read, understood and accepted these Terms and Conditions:
3.3.1.  
upon clicking on the “Accept” option on the KCB M-PESA Menu  requesting you  to 
confirm that you have read, understood and agreed to abide   with   these   Terms   and  
Conditions; and/or
3.3.2.  
by using or continuing to use and operate the KCB M-PESA Account and/or the
Services.
3.4.   
By applying to open the KCB M-PESA Account with the Bank, you agree to comply with and
be bound by these Terms and Conditions for the time being and from time to time in force
governing the operation of the KCB M-PESA Account and you affirm that these Terms and
Conditions herein are without prejudice to any right that the Bank may have with respect
to the KCB M-PESA Account in law or otherwise.
3.5.   
These Terms and Conditions may be amended or varied by the Bank from time to time
and the continued use of your KCB M-PESA Account and/or the Services constitutes your
agreement to be bound by the terms of any such amendment or variation.
4.    ACCOUNT OPENING
4.1. 
In order to open a KCB M-PESA Account with the Bank, you must be at least 18 years old
and  a  registered  and  active  M-PESA  Subscriber  for  at  least  six  (6)  months  immediately
preceding the date of your application. The Bank reserves the right to verify with Safaricom
the authenticity and status of your M-PESA Account.
4.2. 
You may open a KCB M-PESA Account solely by way of an electronic application made by
you using your Equipment via the KCB M-PESA Menu on the Safaricom System.
4.3. 
You hereby agree and authorize the Bank to request Safaricom for your personal information
held by Safaricom pursuant to the agreement between you and Safaricom for the provision
of  Safaricom  products  and  services  and  M-PESA  Service  including  your  phone  number,
name, date of birth, ID or Passport Number and such other information that will enable the
Bank to identify you and comply with the regulatory “Know Your Customer” requirements
(together the “Personal Information”). You also hereby agree and authorize the Bank to
request Safaricom for information relating to your use of the M-PESA Service, M-PESA System
and Safaricom Services as the Bank shall require for purposes of providing you the Services
(“M-PESA Information”). You hereby consent to the disclosure of the Personal Information and
the M-PESA Information by Safaricom to the Bank and to the aforesaid use of the Personal
Information and the M-PESA Information by the Bank.
4.4.
You  hereby  agree  and  authorize  the  Bank  to  obtain  and  procure  your  Personal
Information contained in the IPRS from the Government of Kenya and you further
agree and consent to the disclosure and provision of such Personal Information by the
Government of Kenya to the Bank.
4.5.
You  hereby  further  acknowledge  and  authorize  the  Bank  to  verify  your  Personal
Information received from Safaricom pursuant to Clause 4.3 against the information
received from the Government of Kenya in your respect as contained in the IPRS.
4.6.
The Bank reserves the right to request for further information from you pertaining to your
application for a KCB M-PESA Account at any time. Failure to provide such information
within the time required by the Bank may result in the Bank declining to accept your
application for a KCB M-PESA Account.
4.7.
Acceptance by the Bank of your application for a KCB M-PESA Account shall be done
via SMS sent to the Safaricom Mobile Phone Number associated with your M-PESA
Account. You acknowledge and accept that the acceptance by the Bank of your
application for a KCB M-PESA Account does not create any contractual relationship
between you and Safaricom beyond the terms and conditions that apply to your M-
PESA Account from time to time.
4.8.
The Bank reserves the right to decline your application for a KCB M-PESA Account or to
revoke the same at any stage at the Bank’s sole discretion and without assigning any
reason or giving any notice thereto.
5.    YOUR REQUESTS
5.1.   
You hereby irrevocably authorize the Bank to act on all Requests received by the Bank from
you (or purportedly from you) through the System and to hold you liable in respect thereof.
The Bank may nevertheless refuse to carry out any Requests which would result in there
being an overdraft on your KCB M-PESA Account.
5.2.   
The Bank shall be entitled to accept and to act upon any Request, even if that Request
is otherwise for    any reason incomplete or ambiguous if, in its absolute discretion, the
Bank believes that it can correct the incomplete or ambiguous information in the Request
without any reference to you being necessary.
5.3.   
The Bank shall be deemed to have acted properly and to have fully performed all the
obligations owed to you notwithstanding that the Request may have been initiated, sent or
otherwise communicated in error or fraudulently, and you shall be bound by any Requests
on which the Bank may act if the Bank has in good faith acted in the belief that such
instructions have been sent by you.
5.4.   
The Bank may, in its absolute discretion, decline to act on or in accordance with the whole
or any part of your Request pending further enquiry or further confirmation (whether written
or otherwise) from you. The Bank shall not be under any obligation to so decline in any case,
and shall in no event or circumstance be liable for not so declining.
5.5.   
You agree to and shall release from and indemnify the Bank against all claims, losses,
damages, costs and expenses howsoever arising in consequence of, or in any way related
to the Bank having acted in accordance with the whole or any part of any of your Requests
(or failed to exercise) the discretion conferred upon it.
5.6.   
You acknowledge that to the full extent permitted by law the Bank shall not be liable for any
unauthorized drawing, transfer, remittance, disclosure, any activity or any incident on your
account by the fact of the knowledge and/or use or manipulation of your KCB M-PESA PIN,
password, ID or any means whether or not occasioned by your negligence.
5.7.   
You can only cancel your Request by calling the Customer Care Centre and Requesting
cancellation. Cancellation will however only be allowed where your Request is revocable
and has not yet been acted on. If the Bank is able to cancel your instruction you may be
charged for such cancellation.
5.8.   
The Bank may refuse to make a payment if you do not have sufficient funds in your KCB
M-PESA Account. In deciding whether you have sufficient funds, the Bank will take account
of any instructions to make payments and regular payments which have not yet been paid
from your KCB M-PESA Account. The Bank will not be obliged to take account of regular
credits or any amounts received after it has decided not to make the payment.
5.9.   
T
he Bank is authorized to effect such orders in respect of your KCB M-PESA Account as may
be required by any court order or competent authority or agency under the applicable
laws.
5.10. 
In the event of any conflict between any terms of any Request received by the Bank from
you and these Terms and conditions, these Terms and conditions shall prevail.
6.    OVERDRAWING YOUR KCB M-PESA ACCOUNT
6.1.   No Overdraft will be allowed on your KCB M-PESA Account.
6.2.  
The Bank is entitled to demand repayment of any money overdrawn from your account
together with interest and penalties.
7.    LIEN
7.1.   
The Bank shall have a general lien over all your property/assets in its possession in the event
that you owe any money to the Bank including but not limited to cash, goods, securities or
valuables deposited for safe custody as security, cheques presented, bills and any other
movable or immovable property charged to secure repayment of any money, whether
or not that money has been repaid, and also over all property in respect of which, by the
general law, the Bank has lien.
7.2.   
Where you are indebted to the Bank in circumstances giving the Bank a right of set off, all
property held under lien in terms of sub-clause 7.1 hereof shall be deemed to be held as
security for the debt.
7.3.   
The Bank may at any time give you notice in writing that if an accrued debt is not paid within
a period being not less than 14 days (or such other period specified in the notice) from
the date of receipt by you of the notice then the Bank may, without further notice, realize
sufficient of your assets to discharge the debt. Any part payment made will be accepted
strictly on account and without prejudice to the Bank’s rights.
7.4.   
You hereby constitute us as your attorney for the purposes of any transaction will be held on
your behalf in relation to your assets for purposes of discharging the debt.
8.    SET-OFF
8.1.   
The Bank may, upon notice, combine/consolidate your KCB M-PESA Account with any of
your other accounts held in the Bank, whether current, loan, savings, deposit, term deposit,
joint or any other type and thereafter set off any amount held to your credit against any
indebtedness you owe to the Bank.
8.2.   
The Bank may, upon notice to you, set off any amount held to your credit on your M-PESA
Account against any indebtedness you owe to the Bank.
8.3.   
The Bank may, upon notice to you, set off your KCB M-PESA Account against any other
account or indebtedness in respect of which you are liable, notwithstanding that some
other person may also be liable in respect thereof. In such circumstances, upon receipt of
an indemnity acceptable to the Bank (against costs) and at your expense, the Bank will
give you any assistance necessary in obtaining a refund.
8.4.   
If the set off is for debt recovery, the Bank will provide you with a detailed breakdown of
the costs and expenses recovered from you together with a justification for such costs and
expenses.
9.    STATEMENTS
9.1.   
You may request for a statement or activity report in respect of your KCB M-PESA Account
from the Bank using your Equipment (“KCB M-PESA Mini Statement”).
9.2.    
A KCB M-PESA Mini Statement shall provide details of the last 4 (four) transactions (or such
other number of transactions as determined by the Bank) in your KCB M-PESA Account
initiated from your Equipment.
9.3.   
A KCB M-PESA Mini Statement shall not be sent to you in printed form but shall be delivered
to you either by SMS to the Safaricom Mobile Phone Number associated with your M-PESA
Account or such other electronic means as the Bank may in its discretion determine. You
shall be responsible for the payment of any charges levied by Safaricom in delivering the
KCB M-PESA Mini Statement to you.
9.4.   
You may obtain printed KCB M-PESA Mini Statements or a printed bank statement pertaining
to your KCB M-PESA Account from the Bank. You shall be responsible for the payment of any
charges levied by the Bank for such printed statements. You also hereby authorize the Bank
to share your KCB M-PESA Account information with Safaricom for this purpose.
9.5.   
Save for a manifest error, a KCB M-PESA Mini Statement or bank statement issued to you
aforesaid in respect of your KCB M-PESA Account shall be conclusive evidence of the
transactions carried out on your KCB M-PESA Account for the period covered in the KCB
M-PESA Mini Statement and/or bank statement.
9.6.   
Your statement will show all amounts added or taken from your KCB M-PESA Account during
the period requested and/or since the previous statement. You must check your statement
carefully and tell the Bank as soon as possible if it includes any transaction or other entry
which appears to you to be wrong or not made in accordance with your instructions.
9.7.   
The Bank reserves the right to rectify discrepancies, add and/or alter the entries in your
statements, without prior notice to you. The Bank will however inform you of any rectification,
additions and or alterations effected on your statements within a reasonable time after the
changes are effected.
9.8.   
You will be notified of all transactions on your KCB M-PESA Account by way of SMS and the
charges for this service will be debited to your KCB M-PESA Account.
10.  CUSTOMER COMPLAINTS
10.1.   Complaints may be made in person, in writing, by post, fax, email or by telephone.
10.2.  
The Bank will take all measures within its means to resolve your complaints within a reasonable
time. All complaints will be handled in accordance with the Bank’s complaints handling
procedures, which are available on request from any Bank Branch or the Customer Care
Centre. Where a notification regarding your complaint or any other matter is expected
from the Bank but not received, the complaint must be made within a reasonable time
after non-receipt of such notification.
10.3.  
Applicable tariffs will be charged by your telephone and internet service provider (s) when
communicating with the Customer Care Centre.

Bless!

Safaricom's 2015 Internet Data Plans

The new data bundles also allow you to roll over your unused MBs
whenever you renew your current subscription before the bundle expiry
date thus experiencing the totality of your purchased bundles. For
example purchasing any of our 1, 7, 30 or 90 day bundles will extend
your pre-existing bundle's validity period by the respective duration.
On the same positive note, your unused data bundles will remain valid
for 180 days after the new bundles plan takes effect!
To extend the validity, simply dial *544# to select your favourite
bundle and continue experiencing the fastest 3G and 4G data speeds in
the country
The new plans include:
 * Free Browsing Data
*.Daily Data Bundles
Daily Data Bundles
SMS
Price (Kshs)
Validity Period
7MB
7
5
24 Hours
15MB
15
10
24 Hours
35MB
35
20
24 Hours
60MB
60
30
24 Hours150MB150
5024 Hours
*.Weekly Data Bundles
Weekly Bundles
Price (Kshs)
Validity Period
5MB
5
7 Days
10MB
10
7 Days
30MB
30
7 Days
65MB
50
7 Days
130MB
100
7 Days
*.Monthly Data Bundles
Monthly Bundles
Price (Kshs)
Validity Period
350MB
250
30 Days
1GB
500
30 Days
3GB
1000
30 Days
7.5GB
2000
30 Days
12GB
3000
30 Days
*.90 Day Data Bundles
90 Day Bundles
Price (Kshs)
Validity Period
6GB
3000
90 Days
16GB
6000
90 Days
30GB
9000
90 Days
Take Care!