Terms and Conditions

Welcome to Haromi. By accessing or using our website, mobile application, products, or services, you agree to these Terms & Conditions. If you do not agree, please do not use our services.

1. About Haromi

Haromi is a digital ownership platform that connects customers with manufacturers, dealers, financiers, and other partners to facilitate access to productive assets through innovative ownership solutions.

2. Eligibility

To use Haromi's services, you must:

• Be at least 18 years of age.
• Provide accurate and complete information.
• Comply with all applicable laws and regulations.

3. Your Account

You are responsible for maintaining the confidentiality of your account credentials and for all activities carried out under your account.

4. Our Services

Haromi may provide:

• Product discovery and digital dealership services.
• Asset ownership programs, including HAROMI SWAP-to-Own™.
• Digital applications and customer support.
• Payment and ownership tracking services.

Availability of specific services may vary.

5. Ownership Programs

Participation in ownership programs is subject to separate agreements and eligibility requirements. Completing an online application does not automatically guarantee approval or ownership.

6. Payments

Where applicable, customers agree to make all required payments in accordance with their selected product or ownership agreement.

7. Acceptable Use

You agree not to:

• Provide false or misleading information.
• Attempt to access another user's account.
• Interfere with the operation or security of our systems.
• Use Haromi's services for unlawful purposes.

8. Intellectual Property

All Haromi trademarks, logos, software, content, and branding remain the property of Haromi Holdings Limited unless otherwise stated.

9. Third-Party Services

Some products or services may be provided through third-party partners. Haromi is not responsible for the independent policies or services of those partners.

10. Limitation of Liability

Haromi shall not be liable for indirect, incidental, or consequential losses arising from the use of its website, platform, or services, except where required by applicable law.

11. Changes to These Terms

Haromi may update these Terms & Conditions from time to time. Continued use of our services constitutes acceptance of the updated Terms.

12. Governing Law

These Terms shall be governed by the laws of the Republic of Kenya.