Welcome to Withpema ("the Platform"), operated by Withpema Limited (“Withpema”, “we”, “us”). We offer Kenyan families a digital platform for creating tribute pages, crowdfunding, funeral or memorial planning and connecting with funeral service providers. Please read these Terms carefully before using our services.
“Account”: Your Withpema user profile, including the tribute page and associated data.
“Tribute Page”: An online memorial page where families can share updates, gather tributes and memories, receive financial contributions or host a livestream
“Crowdfunding Campaign”: The fundraising component linked to a tribute page.
“Service Providers”: Trusted third-party vendors that may be listed or engaged through the Platform.
“Transaction Fee”: A charge applied to every donation, in addition to any payment service provider (PSP) fees.
“PSP Fees”: Charges applied by third-party payment processors.
“User Content”: Any content you upload or post, including text, images, video, or memorial messages.
“Services”: All Platform functions, including tribute page creation, crowdfunding, streaming, analytics, and service provider connections.
“You”, “Your”: You as a user of the Platform.
Withpema provides a digital platform to assist families in creating and managing tribute pages, fundraising transparently, and connecting with funeral service providers. Our Services include, but are not limited to:
Tribute Pages: Creation of customizable online memorial pages where families and friends can share tributes, stories, and photos.
Transparent Crowdfunding: Tools to raise funds specifically for funeral or memorial costs, with clear visibility of donations, fees, and disbursements.
Streaming / Online Vigil Hosting: Real-time streaming of memorial services or vigils directly on the Tribute Page.
Service Provider Connections: Access to vetted and pre-screened funeral service providers (e.g., florists, transporters, event coordinators) for convenience and reliability.
Secure Transactions: Handling of payments received via supported channels such as M-PESA and Paystack. Withpema acts solely as a custodian of funds and is not a deposit-taking financial institution.
These Terms of Service apply to all users and use cases involving the Services, including account creation, content uploads, fundraising campaigns, donations, streaming, and engagement with service providers.
Accurate Information: You must register with complete, accurate, and up-to-date information. Providing false or misleading information may result in account suspension or termination.
Account Security: You are responsible for maintaining the confidentiality of your account credentials, including passwords, PINs, and any authentication tokens. You must notify Withpema immediately if you suspect unauthorized access or a security breach.
Compliance with Laws: You agree to comply with all applicable Kenyan laws and regulations when using the Platform. This includes laws relating to fundraising, donations, digital content, and online conduct.
Content Guidelines: You may not post, upload, or share content that is illegal, misleading, infringing, abusive, defamatory, harmful, or otherwise objectionable. This includes, but is not limited to, fraudulent fundraising campaigns, copyright-infringing material, hate speech, or adult content.
Moderation Rights: Withpema reserves the right, at its sole discretion, to review, edit, remove, or disable access to any content that violates these Terms or is deemed inappropriate or harmful.
Account Responsibility: You are fully responsible for all activity conducted under your account, including contributions, content submissions, and communications with other users or service providers.
Termination & Suspension: Withpema may suspend or terminate your account for breach of these Terms, suspicious activity, non-compliance, or any behavior that poses risk to the Platform, other users, or Withpema.
All donations made through Withpema are subject to a Platform Fee of 3.5%, in addition to any payment service provider (PSP) fees charged by third-party processors such as M-PESA, Paystack, or other supported channels.
Fees are deducted automatically from each donation before the funds are credited to the Tribute Page account.
The net amount (after Platform Fees and PSP Fees) is what will be available for disbursement to the nominated payout option.
A detailed breakdown of each donation, including the total amount, Platform Fee, PSP Fee, and net amount, is provided on the Tribute Page dashboard for transparency.
You acknowledge that Withpema is not responsible for fluctuations or charges applied by PSPs, and that the Platform Fees are non-refundable.
By using the Platform, you agree that Withpema may deduct the Platform Fee automatically and that the deduction is final.
All payments are subject to applicable laws and regulations, and Withpema reserves the right to delay or block transactions if required for compliance, security, or fraud prevention purposes.
Withpema hereby declares that it holds custody of all payments and other monies received through the M-PESA Paybill, Paystack, or any other supported payment channels with respect to donations and contributions credited to your Tribute Page (the “Customer Balances”). Such funds are held by Withpema on your behalf, and you shall be beneficially entitled to all Customer Balances equivalent to the balance standing to the credit of your account.
You agree that the records maintained in our system shall be conclusive evidence of the amount of funds standing to the credit of your Tribute Page account, and we are not obliged to make any independent investigation of your beneficial entitlement to the Customer Balances. You further acknowledge that, in relation to any withdrawal or disbursement of funds to you in respect of your entitlement to Customer Balances, we may act on instructions given by you using your registered account credentials or System Identification Number, even if such instructions are actually given by a third party.
You acknowledge and accept that:
Withpema is not a deposit-taking or financial institution. We act solely as a custodian of the monies received through our payment channels on your behalf.
Contributions and donations made through Withpema do not constitute deposits and are therefore not insured under the laws applicable to deposit-taking institutions in Kenya.
We do not invest, lend, or generate profits from the funds we hold on your behalf, except by charging the Platform Fees (3.5%) as set out in these Terms.
To the extent that any interest may accrue on Customer Balances, you shall have no beneficial entitlement to such interest, and Withpema may, in its absolute discretion, apply such interest toward defraying system costs, charitable causes, or other lawful uses.
You agree to hold Withpema harmless against any risks, losses, or liabilities that may arise as a result of the lack of deposit protection or insurance on Customer Balances.
Notwithstanding the foregoing, if you choose to use your own Paybill or alternative payment account, you acknowledge that the custody, control, and associated risks of funds in such channels are your sole responsibility, in addition to the relevant provisions of this Agreement.
Funds raised on a Tribute Page are disbursed only to the selected payout option nominated by the Tribute Page administrators. Acceptable payout options may include mobile money accounts (e.g., M-PESA), bank accounts, or other methods supported by Withpema.
Withdrawals can only be initiated or approved by individuals designated as signatories on the Tribute Page.
Where a Tribute Page has more than one signatory:
A withdrawal request must be initiated by one signatory.
The withdrawal must then be approved by another signatory, different from the one who initiated the request.
No withdrawal shall be processed without the required approvals.
Withpema will process payouts within four (4) working hours of final approval, subject to the timelines of payment service providers (e.g., M-PESA, Paystack, or banks).
Withpema reserves the right to delay or withhold withdrawals in cases of suspected fraud, incomplete KYC, disputes among signatories, or other compliance concerns.
You may stream memorial services or vigils via the tribute page.
You must comply with content guidelines—no copyrighted music/videos unless licensed.
Disrespectful or inappropriate streaming content may be removed and could lead to account suspension.
Withpema acts as a facilitator and does not guarantee the authenticity of campaigns, nor is it liable for fraud or misrepresentation by users.
You acknowledge that any dealings with Service Providers are direct between you and the provider; Withpema is not liable for such third-party services.
You agree to indemnify, defend, and hold Withpema and its officers harmless from any claims or liabilities arising from:
Your use of the Platform,
Your violation of these Terms,
Any misconduct, negligence, or infringement relating to your campaign or content.
We can modify these Terms or suspend/change Platform features at any time. We’ll notify users via the Platform or email. Continued use after updates constitutes acceptance.
Our Privacy Policy explains how we collect, use, and safeguard your Personal Data. By using the Platform, you consent to the practices outlined therein.
These Terms are governed by the laws of Kenya, and any disputes will be subject to the jurisdiction of Kenyan courts—unless an arbitration clause applies.
If any clause is found unenforceable, the remainder of the Terms still apply and will be adjusted to reflect the intended meaning.
These Terms, together with our Privacy Policy and any expressly incorporated documents, constitute the full agreement regarding your use of Withpema. They supersede any prior agreements.
Questions or concerns about these Terms? Reach out to us at:
Email: info@withpema.com
Phone: +254720637837
Remembered forever - invite friends and family to share cherished memories, photos, videos and heartfelt messages all in one place.