Effective: 07 September 2025
By using FxEmpesa Kenya, you agree to these terms.
Non-affiliation: FxEmpesa facilitates user-initiated transfers between M-Pesa (Safaricom) and Deriv trading accounts. FxEmpesa is not affiliated with or endorsed by Safaricom (M-Pesa) or Deriv.
You must be at least 18 years old and have legal capacity to enter into binding agreements.
FxEmpesa provides a software interface to initiate and track transfers between M-Pesa and your Deriv account. We do not hold customer funds, and we do not provide investment advice.
Verify amounts, recipient details, and account IDs before confirming. Transactions once processed may not be reversible.
Conversion rates and fees are shown in-app and may change with market conditions. Confirming a transaction accepts the rate at that moment.
We may request identity information as required by applicable anti-money laundering and counter-terrorist financing laws. We may delay, suspend, or decline transactions that trigger compliance checks or appear suspicious.
Access may be affected by network connectivity, M-Pesa/Deriv maintenance, or other events outside our control. We do not guarantee uninterrupted availability.
Where a transaction fails after funds movement is initiated, we will assist in tracing and coordinating a resolution with the relevant third party (M-Pesa/Deriv). Rate changes between initiation and completion are not refundable unless required by law.
Protect your device and credentials. We never request your password/OTP outside the app.
To the fullest extent permitted by law, we are not liable for indirect, incidental, or consequential damages, or for delays/losses due to third parties (M-Pesa/Deriv), connectivity, or force majeure. Our aggregate liability is limited to fees paid for the affected transaction.
You may delete your account at any time (see Privacy Policy for process). Some records may be retained as required by law (e.g., AML/financial record-keeping).
These terms are governed by the laws of Kenya. Contact support@fxempesakenya.com for disputes. If unresolved within 30 days, you may pursue remedies in the competent courts of Kenya (or agreed arbitration where applicable).
We may update these terms periodically. Material updates will be communicated in-app or on this page. Continued use indicates acceptance.