Rebuild Loan Terms & Conditions

The Covid-19 Relief MSME Finance Facility is an initiative supported by Grassroots Business Fund (GBF) in partnership with Women Work, where micro enterprises are provided with interest free short-term loans to support their businesses, and funds are administered by Fourth Generation Capital Limited (4GC).

The loans are aimed at supporting micro-enterprises whose businesses and livelihoods have been negatively impacted by the Covid-19 pandemic.

The recipient in initiating/applying for and receiving a loan agrees to the following Terms and Conditions and both Parties will be legally bound in all respects, under the Laws of Kenya.

By this Agreement the recipient confirms that they have read and understood the Terms and Conditions, as updated and notified by 4GC.

The recipient confirms that the loan will be used for salaries, including owner’s salary and working capital such as buying inventory or stock, smartphone devices, paying ongoing/current business-related expenses, paying suppliers etc.

On receipt of a loan request through entering the loan amount to the shortcode 21183, 4GC will process the requested amount which shall then be sent to the beneficiary within 5 minutes. 

The loan will fall due two (2) months from the date of disbursement. 

By entering into this agreement, I authorize the Fund Manager – GBF and its related entities, to access and query my credit information from any of the licensed CRBs and to receive credit reports/scores from any of the licensed CRBs on behalf of myself in order to assess my credit worthiness, wherever and whenever I apply for a new facility and during the persistence of such facilities in order to assist GBF to accomplish its objectives and to enforce its rights under this agreement. I further consent to my credit information being shared with the licensed credit reference bureaus, as well as with Cardno Emerging Markets (East Africa) Limited and Fourth Generation Capital Limited, subcontractors of the Mastercard Covid-19 Recovery and Resilience Program.

This consent shall not be withdrawn during the period in which my application is pending to or I have an outstanding balance with 4GC 

This consent shall automatically terminate upon clearance of all existing loans by myself to 4GC and as long as I have no outstanding facilities with 4GC

The loan does not attract any interest or fees and the recipient shall only pay back the principal amount.

The recipient has the right at any time to repay before the Repayment Date all or any part of the amount due without incurring any penalty.

Repayment shall be made through mobile money into 4GC’s specified Paybill Number.

Through SMS messaging and phone calls, 4GC will engage the recipient in an effort to recover the disbursed funds at maturity of the loan.

The recipient represents and warrants to 4GC as at the date of this Agreement that all factual information supplied to 4GC for the purposes of assessing this loan was made in good faith, true at the time and the recipient did not omit to mention anything material which may render it untrue or misleading.

All notices or other communications to be given under this Agreement to either party shall be sent by Short Message Service (SMS). Notices shall be deemed to be received on dispatch provided that the sender has received a receipt indicating proper transmission.

These Terms and Conditions may be varied by 4GC/GBF at its sole discretion from time to time. 4GC will notify the beneficiary/recipient of the changes by SMS and any subsequent Disbursement Requests from the Borrower will be subject to the revised Terms and Conditions. The beneficiary’s/recipient’s continued use of the loan provision by 4GC will be deemed to be acceptance by the beneficiary/recipient of any such changes to these Terms and Conditions.

7.1 This privacy policy aims to give the Recipient information on how 4GC/GBF collects and processes the Borrower’s personal data when the Borrower makes a Disbursement Request through the Short Code.

7.2 By agreeing to these terms and conditions and by making a Loan Disbursement Request through the Short Code, the Recipient consents to the privacy practices of 4GC/GBF as described in these terms and conditions and amended from time to time.

7.3 The data 4GC/GBF collects

7.3.1 Personal data, or personal information, means any information about the Recipient from which the Recipient can be identified. It does not include data where the identity has been removed (anonymous data).

7.3.2 4GC/GBF may collect, use, store and transfer different kinds of personal data about the Recipient, which have been grouped together as follows: Identity Data: include, first name, maiden name, last name, username or similar identifier, marital status, title, date of birth and gender. Contact Data: includes billing address, delivery address, e-mail address and telephone numbers. Financial Data includes bank account and payment card details. Transaction Data includes details about payments to and from you and other details of products and services the Recipient has purchased/requested from 4GC/GBF. Technical Data includes internet protocol (IP) address, the Recipient’s login data, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform, and other technology on the devices the Recipient uses to make the Disbursement Request. Profile Data includes the Recipient’s username and password, purchases or orders made by the Recipient, the Recipient’s interests, preferences, feedback and survey responses. Usage Data includes information about how the Recipient uses the Short Code and related products and services. Marketing and Communications Data includes the Recipient’s preferences in receiving marketing from 4GC/GBF and its third parties and the Recipient’s communication preferences.

7.3.3 How 4GC/GBF uses the Recipient’s personal data 4GC/GBF will only use the Recipient’s personal data when the law allows 4GC/GBF to. Most commonly, 4GC/GBF will use your personal data in the following circumstances: Where 4GC/GBF needs to perform the contract it is about to enter into or have entered into with the Recipient; Where it is necessary for 4GC/GBF’s legitimate interests (or those of a third party) and the Recipient’s interests and fundamental rights do not override those interests; Where 4GC/GBF needs to comply with a legal obligation.

7.3.4 International transfers Many of 4GC/GBF’s third party service providers are located outside of Kenya, so the processing of the Recipient’s data will involve a transfer of data outside of Kenya. Whenever 4GC/GBF transfers the Recipients’ personal data out of Kenya, 4GC/GBF ensures a similar degree of protection is afforded to it by ensuring that 4GC/GBF will only transfer the Recipient’s personal data to countries and service providers that have been deemed to provide an adequate level of protection for personal data.

7.3.5 Data handling and processing 4GC/GBF has put in place appropriate security measures to prevent the Recipient’s personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. In addition, 4GC/GBF  limits access to the Recipient’s personal data to those employees, agents, contractors and other third parties who have a business need to know. They will only process the Recipient’s personal data on our instructions and they are subject to a duty of confidentiality.

4GC/GBF has put in place procedures to deal with any suspected personal data breach and will notify the Recipient and any applicable regulator of a breach where 4GC/GBF is legally required to do so.  

These Terms and Conditions and any dispute or claim arising out of or in connection with it or its subject matter or formation (including non-contractual disputes or claims) are governed by the law of the Republic of Kenya. The Courts of the Republic of Kenya shall have exclusive jurisdiction in connection with these Terms and Conditions.

WomenWork Terms & Conditions

The following Terms of Service (‘TOS’) apply to your use of our Service on WomenWork (the ‘Platform or ‘Service’) including any content, functionality, goods offered directly on the platform or via an ancillary platform. These TOS include our Privacy and Data policy that you may review.

We prepared WomenWork Terms of Service (“the Terms”) to help explain the terms that apply to your use of the Service.

If you do not agree with a Term kindly let us know ver kindly be aware that this may affect your use of our service.


1.1 CHANGES TO TOS: These TOS may be updated at any time. WomenWork serves you according to the following terms. Once the updated Terms and Conditions are published, they will immediately replace the original terms without further notice. Users should pay attention to and abide by the service.

1.2 CHANGES TO SERVICE: Except as otherwise expressly stated, new products, new features and services introduced by us are unconditionally bound by this terms.

1.3 ACCEPTANCE: Please read and agree to the full terms of this terms before using the services provided by WomenWork. If you do not agree to the amendment of this terms, you must stop landing or use all the services provided by WomenWork if you continue to access or use the Services, you are deemed to have accepted all the terms of this terms, including any amendments made to this terms.


2.1 COMPLIANCE: You must comply with all policies provided in the Service.

2.2 APPLICATION: The service constitute legal terms between the user of our products and services (“user” or “you”) and the Company. It applies when You access, the Platform and other third party app stores, or installed on third party devices and/or the services provided through the Platform. In the service means and includes the Platform and these services, individually or collectively.

2.3 UNCONDITIONAL APPLICATION: WomenWork uses its own system to provide You with abundant online resources and services through the Internet, unless otherwise specified, enhance any new functions of current services, these terms shall apply unconditionally.

2.4 COMMUNICATION: We may send you service announcements, management messages and other information as you use the Services. You may choose not to receive some of the above information.


3.1 ACCURACY: You are obligated to provide your own real information at the time of registration and to ensure the validity, security and up-to-date content such as email address, contact address, etc., so that we can provide you with technology and timely and effective contact with you. You should bear all the adverse consequences, such as any loss or additional cost, that you may suffer in the process of using this technology due to the inability to contact you through these means.

3.2 VERIFICATION: You agree that WomenWork can verify the user’s personal information submitted by you, either by itself or through a cooperative third-party organization, if necessary, and check, use and retain the verification results according to this terms and related documents.

3.3TRACKING: Automatically track certain information about you in accordance with your acts on our platforms. WomenWork uses this information to conduct internal research on demographics, interests and behaviors of users associated with this application in order to better understand you and provide better technology to you and other users.

3.4 NON-PUBLICATION: We guarantee that information about individual users will not be made public or provided to third parties, as well as non-public content stored in WomenWork when users use network services, except where legally mandatory.

3.5 USE: WomenWork has the right to analyze the entire user database and make commercial use of it without revealing the privacy information of individual users. We will use technical means to identify the data. The data analysis only has a specific code that cannot be directly associated with the user, and cannot and will not be associated with your true identity.

3.6 COOKIES: We use cookies and similar technologies to understand and improve our products and services to improve the user experience and provide reference data for the development of new products or features. For example, when you access our services, we collect this information at the time spent in each step to analyze aspects of the research that can be further optimized and improved.


4.1 TERMINATION: WomenWork may terminate the provision of services to the User at any time if we have reason to believe that any of the Your actions, including but not limited to any of the Your statements and other conduct, violates or may violate any of the laws and regulations of your country without any prior notice.

4.2 CONTROL: You acknowledge that WomenWork does not have full control over the Your usage. When users use any content, including relying on the correctness, integrity or practicability of the aforementioned content, You agree to judge and take all risks on their own. WomenWork does not assume any responsibility.

4.3 USE OF PERSONAL INFORMATION: You understand and agree that we can save or disclose your personal information in the following circumstances:

(1) Compliance with legal procedures;

(2) Execution of this terms;

(3) Responding to any claim by a third party;

(4) Protect the rights, property or personal safety of WomenWork, other users and the public.


5.1 LEGAL PROTECTION: Any text, images, graphics, audio, and video material contained in the services provided by WomenWork are protected by copyright, trademark, portrait rights and other property ownership Laws. No part of the above information may be used, reproduced or used for any other purpose without the consent of the relevant rights holder, and may not be rewritten or redistributed directly or indirectly in any media for broadcast or publication purposes, or used for any other purpose commercial purpose. Any part of all this information or information can only be stored in a mobile phone and/or computer for personal use.

5.2 LIMITED LIABILITY: WomenWork is not liable for any delay, inaccuracy, error or omission arising from or resulting from the above-mentioned information or in the transmission or submission of all or part of the above-mentioned information.

5.3 THIRD PARTY IPR: WomenWork respects intellectual property rights in its proprietary content, original content and other exclusive or exclusive content obtained through authorization. Without the written permission of WomenWork, no unit or individual may reproduce, disseminate and provide listening services privately or engage in other violations of WomenWork’s intellectual property rights; otherwise, it will bear legal liability.

5.4 USER NON-INFRINGEMENT: All rights of any software used by WomenWork for the provision of network services (including but not limited to any images, photos, animations, videos, recordings, music and text, accompanying help materials contained in the software) belong to the copyright owner of the software, without the permission of the copyright owner of the software. Users shall not decompile, disassemble, modify, translate, adapt, reverse engineer the software, create derivative works from the service or any part of it or re-license it, or circumvent, disable or otherwise interfere with the security-related functions of the service, or prevent or restrict the use of any part of the application of replication.

5.5 CONSENT: Users are prohibited from transferring or transferring the Application or any of these Terms of Service and/or any rights or obligations under these terms without the prior written permission of the Company.



6.1 ACCEPTANCE OF RISK: The user clearly agrees that the risk of using WomenWork service will be solely borne by himself/herself; all consequences arising from the use of WomenWork service will also be borne by himself. WomenWork is not liable to users or any third party.

6.2 PLATFORM UPTIME: WomenWork does not guarantee or guarantee that the network service will meet the user’s requirements, nor does it guarantee that the network service will not be interrupted, nor does it guarantee or guarantee the timeliness, security and accuracy of the network service.

6.3 EXTERNAL LINKS:WomenWork does not guarantee the accuracy and completeness of external links set up to provide convenience to users. WomenWork does not bear any responsibility for the content of such external links pointing to web pages.

6.4 FORCE MAJEURE: For network service interruption or other defects caused by force majeure or reasons beyond our control, such incidents include, but are not limited to Internet connection failures, computer or communications and other system failures, hacker attacks, network viruses, natural disasters, strikes or riots, material shortages, riots, wars. WomenWork does not assume any responsibility for such actions, but will do its best to reduce the losses and impacts caused to users.

6.5 ACCURACY: WomenWork does not guarantee the truth, accuracy and completeness of any information, content of others obtained from the Service (collectively, the “Information”). If any unit or individual conducts any behavior through the above “information,it must discern the authenticity and discretion to prevent the risk. Otherwise, for any reason, WomenWork shall not be liable for any direct, indirect, incidental or consequential damages or liabilities for any transactions and/or actions that are not directly related to WomenWork.

6.6 DELETION: If the user ceases to use the software or the service is terminated or canceled, WomenWork may permanently delete Your data from the server. WomenWork is not obligated to return any data to the user after the service is stopped, terminated or cancelled.

6.7 LIABILITY: The user clearly understands and agrees that WomenWork shall not be liable for any loss, including but not limited to profit, reputation, application, data Loss or other intangible loss, due to the following reasons:

(1) Various network services provided to users free of charge;

(2) Any product or service presented to the user;

(3) Various products or services attached to the charging network service users;

(4) User data has been used or modified without authorization;

(5) Other matters related to the Service.



7.1 LIMITATION OF LIABILITY: The user clearly understands and agrees that WomenWork shall not be liable for any direct, indirect, incidental, special, derivative or punitive damages, including but not limited to profit, reputation, application, data Loss or other intangible losses, for the following reasons:

(1) Unable to use the services we provide;

(2) In order to replace the cost of any goods, data, information, services purchased or acquired from or through WomenWork services, information received, or transactions concluded;

(3) Any error or instability in the software;

(4) The user’s transmission or data is subject to unauthorized access or alteration;

(5) Statements or actions made by any third party in WomenWork services;

(6) The user purchases goods or services from a third party based on the advertisement information published in the product or service;

(7) Other matters related to WomenWork services, except those specified in this terms.

7.2 ACTION ON VIOLATION: In case of violation of relevant laws and regulations or the provisions of this terms, WomenWork will make reasonable judgments according to the law and the above rules, take appropriate legal action against anyone who violates the law, and save relevant information according to laws and regulations and Department reports, etc.



8.1 MODIFICATION: WomenWork reserves the right to modify the Service temporarily or permanently at any time without notice. The User agrees that WomenWork shall not be liable to the User and any third party for any modification, suspension or termination of the Services.

8.2 TERMINATION: The user agrees that WomenWork has the right to consider terminating the use of WomenWork service or any part of the service on its own, and to remove and delete any content of the user within WomenWork service. WomenWork will terminate the service of this product at any time.

8.3 NOTICE: The User agrees that the services provided under any provision of these terms may be interrupted or terminated without prior notice. 

8.4 USER DATA ON TERMINATION: The User acknowledges and agrees that we may immediately close or delete all relevant information and documents in the User’s account and User Account, and prohibit the continued use of the aforementioned documents. Or the service of this product. In addition, WomenWork shall not be liable to You or any third party if You agree that the use of the product has been interrupted or terminated or that the Your’s account and related information and documents have been closed or deleted.

8.5 SERVICE AVAILABILITY: You understand and agree that the products and services are provided in accordance with the current status and conditions, and will do their best to provide services to ensure continuity and security; however, we cannot foresee and prevent the law at any time., technology, and other risks, including but not Limited to force majeure, viruses, hacking, system instability, network environment, third-party services, government actions, etc., may result in service interruptions, data loss, and other losses and risks. WomenWork is not responsible or liable to You or third party for any loss of Your data caused by the above reasons.

8.6 MATERIAL BREACH: Your rights under this service will automatically terminate if you breach any of your material obligations under this service.



9.1 GOVERNING LAW & CONFLICT OF LAWS: The effective, fulfillment, interpretation and resolution of the terms shall be governed by the laws of Kenya. If any provision of these terms is invalid as a result of conflicts with the relevant laws, these terms will be as close as possible to the original provisions of these terms, and the other provisions of this terms shall have full validity and effect.

9.2 DISPUTES:If there is any dispute over the content of this terms or its implementation, it should be resolved through friendly negotiations. If the negotiation fails, the parties to the dispute will unanimously agree to final binding arbitration as under the laws Arbitration Act, Laws of Kenya.

9.3 HEADINGS: The title of all clauses of the terms is only for the convenience of reading and has no practical meaning in itself. It cannot be used as a basis for the interpretation of the meaning of these terms.

9.4 SEVERABILITY: The terms are partially invalid or unenforceable for any reason, and the remaining terms are still valid and binding on both parties.

WomenWork Privacy Policy


WomenWork collects data in connection with your use of our websites, emails, and mobile applications and manages such data according to this Privacy Policy. This Privacy Policy describes our policies on the collection, use, and disclosure of such data. As part of the Terms of Service, continued use of this Site means that you are bound by this policy.


Among the information we collect, please note:

  1. Account Information: When you create an account with WomenWork, we ask you to log in and provide certain personal information such as your full name, email address, and other information such as your gender and birth date in order to be able to save your profile and the documents and comments associated with it. Your first name and last initial, as well as any photo you submit through the registration process, will be publicly displayed as part of your account profile.
  2. User Content: The information that you post to WomenWork is intended for internal use by WomenWork, its affiliate and partner companies. We may display this information on the Site, share it with businesses, and further distribute it to a wider audience through third party sites and services.
  3. Communications: When you sign up for an account, you may opt-in in to receive emails from other WomenWork users, businesses, and WomenWork You can manage your email preferences, but you cannot opt out of receiving certain administrative or legal notices from WomenWork. If you exchange messages with others through the Site, we may store them in order to process and deliver them, allow you to manage them, and investigate possible wrongdoing in connection with the Site.
  4. Site Activity: We may store information about your use of the Site, such as your search activity, the pages you view, the date and time of your visit, and the businesses you call using our mobile applications. We also may store information that your computer or mobile device provides to us in connection with your use of the Site, such as your browser type, type of computer or mobile device, browser language, IP address, mobile carrier, unique device identifier, location, and requested and referring URLs.

By using the Website, you represent that you have the legal capacity to enter into a binding agreement.


We may store the information you submit to or through the Site, as well as information we collect in connection with your use of the Site.

We use the information to fulfill your requests, provide the WomenWork’s functionality, improve the Site’s quality, personalize your experience, track usage of the Site, provide feedback to businesses and events that are listed on the Site, display relevant advertising, provide customer support, message you, back up our systems and allow for disaster recovery, enhance the security of the Site, and comply with legal obligations.

WomenWork may contact you, by email or other means. For example, we may send you promotional emails relating to WomenWork or other third parties we think you would be interested in, or communicate with you about your use of the Site. We may also use technology to alert you via a confirmation email when you open an email from us. You can modify your email notification preferences by clicking the appropriate link included in the footer of email notifications.

Other than as has been stated in this policy, we will not share personal information you have provided to us without your consent, unless:

  • doing so is appropriate to carry out your own request;
  • we believe it’s needed to enforce our Terms of Service, or that is legally required;
  • we believe it’s needed to detect, prevent or address fraud, security or technical issues;
  • otherwise protect our property, legal rights, or that of others.


We may share information about you with third parties as follows:

  1. Service Providers: Some of the services that are offered through the Site, may be provided by third-party providers. We also outsource some of WomenWork’s functions to third-party providers, such as technical and customer support, tracking and reporting functions, quality assurance testing, payment processing functions, and other services. We may share information from or about you with these third-party providers so that they can perform their services or complete your requests.
  2. Aggregate Information: We may share user information in the aggregate with third parties, such as advertisers and content distributors. For example, we may disclose the number of users that have been exposed to, or clicked on advertisements.
  3. Business Transfers: We may share information from or about you with subsidiaries, joint ventures, or other companies under common control, in which case we will require them to honor this Privacy Policy. If another company acquires WomenWork or all or substantially all of our assets, that company will possess the same information, and will assume the rights and obligations with respect to that information as described in this Privacy Policy.
  4. Businesses on WomenWork: We may share information from or about you) and your use of the Site (such as which businesses you bookmark or call) with businesses on WomenWork.
  5. Investigations: We may investigate and disclose information from or about you if we have a good faith belief that such investigation or disclosure is (a) reasonably necessary to comply with legal process and law enforcement instructions and orders, such as a search warrant, subpoena, statute, judicial proceeding, or other legal process served on us; (b) helpful to prevent, investigate, or identify possible wrongdoing in connection with the Site; or (c) protect our rights, reputation, property, or that of our users, affiliates, or the public.
  6. Links: The Site may contain links to unaffiliated third party websites. Except as set forth herein, we do not share your personal information with them, and are not responsible for their privacy practices. We suggest you read the privacy policies on all such third party websites.
  7. Social Media Accounts: If you are logged into Social Media, and you access but are not logged into the Site, we may receive information from the Social Media Site to make it easier for you to create an account on the Site and show you relevant content from your Social Media connections. This information personalizes your experience and helps you create a WomenWork You can also connect your WomenWork account to your accounts on third party services like Facebook or Twitter, in which case we may collect and store information identifying your account with the third party service. We use the information to help you connect and share public content with your friends and followers.

Other users may be able to identify you, or associate you with your account if you include personal information in the content you post publicly. You can reduce the risk of being personally identified by using the Site pseudonymously, though doing so could detract from the credibility of your contributions to the Site. Users can also use the Member Search feature to find one another based on their names or email addresses.

Please also note that the messages you send or receive using the Site are only private to the extent that both you and the sender/recipient keep them private. For example, we do not have any control over whether a recipient of one of your messages publicly posts it or its contents. Similarly, WomenWork may also access such messages in the course of investigations relating to Site use.


If you choose to close your account, we will remove your public posts from view and/or dissociate them from your account profile, but we may retain information about you for the purposes authorized under this Privacy Policy unless prohibited by law. For example, we may retain information to prevent, investigate, or identify possible wrongdoing in connection with the Site or to comply with legal obligations. Please note that businesses cannot remove their business listings, ratings or reviews by closing their accounts, without the consent of WomenWork.


The Site is intended for general audiences and is not directed to minors. We do not knowingly collect personal information from minors. If you become aware that a minor has provided us with personal information without parental consent, please contact us. If we become aware that a minor has provided us with personal information without parental consent, we will take steps to remove such information and terminate the minor’s account.


We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. However, no method of transmission over the Internet or via mobile device, or method of electronic storage, is 100% secure. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.


This policy and any dispute or claim arising out of, or related to them, shall be governed by and construed in accordance with the  Laws of Kenya without giving effect to any choice or conflict of law provision or rule.

Any legal suit, action or proceeding arising out of, or related to, this policy or the Website shall be instituted exclusively in courts within the Kenyan jurisdiction.


We reserve to independently and without notice to change the provisions of this policy.

Should such changes occur, we will make sure to announce any major change in a prominent way or notify you by email and of course, this document is public on WomenWork, and therefore you will be able to see the changes for any new version. Further, your continued use of the Site following the publishing of updated Terms of Service means that you accept and agree to the changes.

For Further enquiries on this Policy to contact us on