Terms of Service

DRAFT pending advocate review. Version 2026-11-15-draft. This text has not yet been approved by a Kenyan advocate and is not final.

1. Who we are

These terms govern your use of duitechnology.com and the Duit mobile app, operated by Duit Technology Limited, Kenya (“Duit”). Contact: info@duitechnology.com. Privacy: privacy@duitechnology.com.

1A. Our addresses and contact

Registered Office: Hardy, Karen-Hardy Road, Karen, P.O. Box 13429 - 00800, Nairobi, Kenya. Principal Operating Address: Santack Estate, Ngong Road, Nairobi, Kenya. Contact: info@duitechnology.com, +254 769 319 389.

2. What the platform does

Duit runs five portals: National Infrastructure & PPP, National Infrastructure careers (engineers, technicians, project managers, surveyors, logistics specialists and RPL-certified artisans), SMEs, tech startups and scaleups, and investor relations. Submitting a form is an application or expression of interest. It does not create a contract, a job, an investment or a funding commitment.

2A. Non-custodial platform

Duit Technology Limited is a non-custodial technology platform and never holds, pools, or takes custody of client investment funds. Payments, escrow and settlement run through licensed third-party providers directly between the parties; Duit only facilitates introductions, documents and fee calculation. Duit Technology Limited operates strictly as a non-custodial technology and deal-origination platform and does not accept deposits, pool funds, manage collective investment schemes, or execute regulated securities brokerage under the Capital Markets Act or Central Bank of Kenya Act.

3. No guarantees

We do not guarantee jobs, funding, investment, returns, introductions or outcomes. Nothing here is an offer or solicitation to invest, and nothing is financial, legal or tax advice. Duit does not provide advisory services.

4. Human approval

Project listings, investor vetting, introductions, term sheets, funding commitments, contracts and any amount of KES 50,000 or more are reviewed and approved by a Duit executive before they proceed. We may decline any submission.

5. Subscription plans and fees

Four subscription plans exist: Starter, Growth Pro, Institutional & Enterprise, and Sovereign & Top-Tier Institutional. Each plan includes everything in the plan before it. After you sign in, you see only the plans your role is eligible for; a plan your role is not eligible for is refused. Prices are shown inside your account, not on public pages.

Facilitation fees are deterministic: the rate is fixed by the size bracket of the transaction (a higher bracket carries a lower rate), is success-only, is due only on cleared funds and is not negotiable per deal. Separate bracket schedules apply to core facilitation, National Infrastructure & PPP, Business Operations Hub B2B invoicing and investor matching, and your own schedule is shown inside your account. Fees apply only under a separate written agreement that you sign. Submitting a form never obliges you to pay.

5A. Agreement signed before funds

No funding release, payment request, wire or escrow instruction, reconciliation or capital-disbursement milestone proceeds until the linked agreement is executed: every party has signed and the signatures and document hashes (SHA-256) are recorded. The check runs again when an executive approves a queued release. Electronic signatures follow section 6 below.

5B. Optional 10% equity offer

A startup, scaleup or SME may voluntarily offer 10% of its equity to Duit Technology Limited. The offer is separate and optional, is never a condition of any plan, fee or investor match, and declining has no effect on fees, eligibility or matching. If you opt in, Duit provides Venture Co-Pilot & Institutional Readiness, Global Corridor Market Access, and Sovereign Tech & AI Infrastructure Support. The CEO may accept or decline each offer.

5B-2. Founder equity and the PPP boundary

Separately, the founder, Anthony Mukuriah, may receive founder value-addition equity in private companies and non-government private infrastructure ventures that raise capital or co-build through the Invest In Africa platform, under a separate written agreement disclosed in full to the company, which is free to decline it. It is held by him personally and may be assigned, on written notice, to his Private Holding Company once legally formed, subject to pre-emption rights and the Companies Act, 2015. It is never a condition of the 10% offer or of any plan, fee or investor match.

Government and state-backed public-private partnership (PPP) concessions carry only Duit's deterministic origination and facilitation fee and the applicable subscription; no equity is taken in any public special purpose vehicle unless separately disclosed and structured as an independent private consortium co-developer under the Public Private Partnerships Act, 2021.

6. Electronic signing

Where you sign an agreement electronically on the platform, we verify you with a one-time code and record your signature, the time and cryptographic hashes of the document. Electronic signatures are executed pursuant to Section 83G and Section 83P of the Kenya Information and Communications Act (Cap 411A) using multi-factor OTP authentication and tamper-evident SHA-256 cryptographic sealing; where Kenyan statutory registries require notarized or wet-ink instruments, parties complete supplementary physical execution. You may ask for a paper process instead.

7. Payments

Payments are made through third-party providers (for example M-PESA). Your payment is evidenced by the provider’s confirmation. Duit does not store card numbers.

8. Acceptable use

Give accurate information, use only your own identity and data, and do not attempt to disrupt, scrape or break into the service. We may suspend access for abuse.

9. Liability

To the maximum extent permitted under Kenyan law, Duit Technology Limited's aggregate liability arising out of or relating to the platform shall not exceed the total subscription or facilitation fees actually paid by the user to Duit Technology Limited during the twelve (12) months immediately preceding the claim (or KES 50,000 for non-paying Starter accounts). Nothing here limits liability that cannot be limited by law.

10. Law

This Agreement is governed by the Laws of the Republic of Kenya. Any dispute not resolved amicably within thirty (30) days shall be referred to binding arbitration in Nairobi, Kenya under the Arbitration Act (Cap 49) before a sole arbitrator appointed by the Chartered Institute of Arbitrators (Kenya Branch).

11. Schedule of assets and intellectual property owned by Duit Technology Limited

Duit Technology Limited owns 100% of: (a) the Duit Sovereign OS, its backend APIs, the God’s Eye Executive Command Center, the client web portals and the Invest In Africa mobile applications; (b) all proprietary source code, UI/UX design systems, AI agent orchestrations, bespoke legal templates, KYC and anti-fraud engines and execution-gate software; (c) the platform trademarks and brand assets Duit Technology and Invest In Africa, and the domain duitechnology.com; and (d) all commercial facilitation fee rights and executed platform agreements to which it is a party. Ownership of fee rights is not custody of client money: client capital never enters Duit Technology’s custody.

Clients keep ownership of their own data, documents and business IP. Third-party and open-source components remain owned by their authors and are used under their own licences. Duit Technology Limited holds registered marks (RZ71631, RZ71740, KIPI 138398), domain registration for duitechnology.com, and proprietary ownership in the Duit Sovereign OS, Invest In Africa platform, and associated software workflows, subject to written contributor IP assignment schedules maintained in the Company's corporate register.