📜

Terms & Conditions

Last updated: February 05, 2026

🔐 SSL Encrypted
⚡ Instant Transfers
🛡️ Fraud Protection
📱 24/7 Support

✨ Quick Summary

💸 Send money instantly and anonymously with bank-level security.
📲 SMS confirmations are sent to both sender and recipient.
🧾 Transparent fees and clear transfer limits.
🕒 Refunds available for valid cases within 24 hours.

1. Agreement to Terms ✅

By using Pay Incognito cash transfer service, you agree to these Terms & Conditions. If you do not agree, please refrain from using the service.

2. Service Description 🚀

Pay Incognito provides an anonymous cash transfer service that operates 24/7. Transactions are encrypted and processed instantly after confirmation.

⚡ Instant money transfers
🕶️ Anonymous transactions
🧩 Seamless experience
🔒 End-to-end encryption

3. User Responsibilities 👤

Users agree to:

📞 Provide accurate phone numbers for both sender and receiver.
✅ Confirm they are authorized to make the transfer.
🔁 Double-check recipient details before confirming.
🔑 Keep transaction IDs safe for future reference.
🚨 Report unauthorized transactions immediately.

4. Transfer Limits & Fees 💵

Transfer Limits

Minimum: KES 10
Maximum: KES 300,000 per transaction

Fee Structure

Our Fees: (Service + M-Pesa Charges)

Amount Range	Service Fee (KES)	M-Pesa Fee (KES)	Total Fee (KES)
KES 10 – 49	2	1	3
KES 50 – 100	4	2	6
KES 101 – 500	10	10	20
KES 501 – 1,000	15	15	30
KES 1,001 – 1,500	20	20	40
KES 1,501 – 2,500	20	29	49
KES 2,501 – 3,500	50	34	84
KES 3,501 – 5,000	50	43	93
KES 5,001 – 7,500	75	53	128
KES 7,501 – 10,000	100	59	159
KES 10,001 – 15,000	100	68	168
KES 15,001 – 20,000	100	73	173
KES 20,001 – 25,000	100	80	180
KES 25,001 – 30,000	100	85	185
KES 30,001 – 35,000	100	96	196
KES 35,001 – 40,000	100	112	212
KES 40,001 – 45,000	100	116	216
KES 45,001 – 50,000	100	112	212
KES 50,001 – 70,000	100	121	221
KES 70,001 – 250,000	100	121	221
KES 250,001 – 300,000	100	121	221

5. Privacy & Security 🔐

Your privacy matters to us:

🔒 All transactions are encrypted with bank-level security.
📱 Phone numbers are used only for processing transactions.
🗄️ No storage of personal financial details.
🕶️ Anonymous transfers protect your identity.
📚 Logs are kept only for regulatory compliance.

6. Transaction Processing ⏱️

✅ Processed instantly once confirmed.
✉️ SMS notifications sent to both parties.
🧾 Transaction IDs provided for all transfers.
🔄 Failed transactions are auto-refunded.
🛠️ Maintenance windows may introduce delays.

7. Prohibited Uses 🚫

Do not use the service for:

❌ Illegal activities or money laundering.
❌ Fraudulent transactions.
❌ Sending to sanctioned individuals or countries.
❌ Circumventing banking regulations.
❌ Any activity violating local laws.

8. Refunds & Disputes 💬

⏳ Refunds within 24 hours for valid cases.
✔️ Valid reasons: wrong recipient, duplicate, technical error.
↩️ Refunds go to the original payment method.
💼 Service fees may be deducted.
📨 Disputes can be raised via customer support.

9. Limitation of Liability ⚖️

Maximum liability equals the transaction amount.
No liability for indirect or consequential damages.
No liability for third‑party delays.
Users are responsible for verifying recipient details.

10. Service Availability 🌐

Target uptime: 99.9%.
Scheduled maintenance announced in advance.
Emergency maintenance may occur without notice.
Alternatives may be provided during outages.

11. Changes to Terms 📝

We may modify these terms at any time. Changes will be:

📅 Posted on this page with an updated date.
✉️ Communicated to registered users via email when relevant.
⚠️ Effective immediately upon posting.
🔁 Please review periodically.

12. Contact Information 📮

Email: webmaster@payincognito.com
Address: Nairobi, Kenya
Business Hours: Mon–Fri, 9 AM – 6 PM EAT

Need help fast? 💬

Email us and include your Transaction ID for quicker support.

13. Governing Law 🏛️

These terms are governed by the laws of Kenya. Disputes will be resolved in Kenyan courts with jurisdiction in Nairobi.

error: Content is protected !!