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Legal
The terms that govern your use of the Lakisa Assetlink Finance website and services.
Last updated: 2 September 2026
Before this page goes live
This is a professionally-structured first draft generated from how Lakisa Assetlink Finance operates. It must be reviewed by an advocate admitted in Kenya before Lakisa Assetlink Finance relies on it. Replace every placeholder:
[Registered company name — e.g. Lakisa Assetlink Finance Limited][Company registration number][CBK DCP licence number][Exact default, grace-period and collateral-realisation terms — or cross-reference the signed loan agreement][Shop warranty period and the returns window / process][Limitation-of-liability cap — confirm with your advocate][Any agreed arbitration / alternative dispute-resolution step, if used]These Terms & Conditions govern your use of the Lakisa Assetlink Finance website and the services we offer through it: loans against collateral, the sale of pre-owned goods, and buying items from you (“Sell Your Item”).
By using the website or submitting any application, order or enquiry, you agree to these Terms and to our Privacy Policy. If you do not agree, please do not use the website or our services.
You must be at least 18 years old and legally able to enter into a contract. If you use the website for a business, you confirm you are authorised to bind it.
Some services have additional terms — for example a loan agreement you sign, or the delivery terms shown at checkout. Where those conflict with these Terms, the service-specific terms govern that service.
Lakisa Assetlink Finance is the trading name of [Registered company name — e.g. Lakisa Assetlink Finance Limited], a company registered in Kenya (registration number [Company registration number]), with its registered office at Fedha Estate, Embakasi, Nairobi, Kenya.
We are licensed by the Central Bank of Kenya as a Digital Credit Provider under the Central Bank of Kenya (Digital Credit Providers) Regulations, 2022 (licence number [CBK DCP licence number]).
Contact: info@lakisa.co.ke · +254 140 005790.
We may change, suspend or withdraw any service, or any part of the website, at any time.
Submitting the loan application form is a request only. It is not an offer of credit and does not guarantee approval. We assess each application, which includes verifying your identity and evaluating the asset — usually with a physical inspection of the item, or of the original logbook and the vehicle.
You must give accurate, complete and current information, and you must be the lawful owner of the asset, free of any other charge or claim, unless we agree otherwise in writing.
Any loan is governed by a separate written loan agreement. Before you accept, we will disclose all charges that apply — interest, fees and any other costs — together with the total amount payable and the repayment schedule, in line with the Central Bank of Kenya (Digital Credit Providers) Regulations, 2022 and Part VII of the Consumer Protection Act, 2012. There are no hidden or undisclosed charges.
Where a loan is secured against a physical item, you deliver the item to us and we hold it securely and insured for the term of the loan. We do not use the item. On full repayment we return it in the same condition, allowing for fair wear during storage. Where a loan is secured against a logbook, security is created over the vehicle as set out in the loan agreement.
You must repay in line with the loan agreement. If you repay early, you pay interest only for the period the loan was actually outstanding, with no early-repayment penalty. Insert the exact default, grace-period and realisation terms here, or cross-refer to the signed loan agreement.
If you do not repay, we may recover what you owe by realising the collateral — selling the pledged item or enforcing security over the vehicle — as permitted by law and the loan agreement. Any surplus over what you owe, after costs, is returned to you.
As a licensed Digital Credit Provider we may share information about your loan, including repayment conduct, with Credit Reference Bureaus licensed in Kenya. Before submitting any adverse information about you, we will notify you within the period required by the Central Bank of Kenya (Digital Credit Providers) Regulations, 2022.
If you have a complaint, contact us first at info@lakisa.co.ke so we can try to resolve it. If you are not satisfied, you may escalate to the Central Bank of Kenya.
When you ask us to buy an item, you give us a description and photos. We make a no-obligation offer based on the item’s condition, age, completeness and current market value.
If you accept, we verify the item and pay you by the agreed method, usually on collection or hand-over.
You confirm that you own the item, that it is not stolen or subject to any finance or claim, and that you may lawfully sell it. Title passes to us on payment.
You may use the website only for lawful purposes and in line with these Terms. You must not:
We may suspend or block access if we reasonably believe you have breached these Terms.
The website, its content, the “Lakisa Assetlink Finance” name and logo, and all related design are owned by us or our licensors and are protected by law. You may not use them without our written permission, except to view and use the site for its intended purpose.
The site may link to or rely on third-party services, such as payment processing, maps or messaging. We are not responsible for third-party websites or services, and your use of them is subject to their own terms.
The website and its content are provided “as is”. We do not warrant that the site will be uninterrupted or error-free, or that information on it — including product descriptions and indicative timelines — is complete or current.
Nothing in these Terms excludes or limits liability that cannot be excluded or limited under Kenyan law, including for fraud or for death or personal injury caused by our negligence.
Subject to that, we are not liable for indirect or consequential loss, loss of profit, or loss of data, and our total liability to you in connection with the website or a transaction is limited to the amount you paid us for the relevant transaction (or, for a loan, the fees you paid us on it). Confirm the liability cap with your advocate.
You agree to compensate us for reasonable losses and costs we incur because you have breached these Terms or misused the website or our services, or because information you gave us was false.
We may update these Terms from time to time. The “Last updated” date shows when they last changed. Continuing to use the website after a change means you accept the updated Terms. The terms of a signed loan agreement change only as that agreement allows.
These Terms, and any dispute arising from them or from your use of the website, are governed by the laws of Kenya.
We will try to resolve any dispute with you informally first. If we cannot, the dispute is subject to the exclusive jurisdiction of the courts of Kenya. Insert any agreed arbitration or alternative dispute-resolution step, if used.
Complaints about our lending services may also be raised with the Central Bank of Kenya; data-protection complaints with the Office of the Data Protection Commissioner.
Questions? Contact us or email info@lakisa.co.ke.