Hazina terms of use
Hazina is made by Metastrata AI, Kenya. Effective 8 November 2026.
In short: Hazina helps you keep track of your own money, on your phone. It records and organises; it doesn't give financial advice or move money. Your records are yours, and keeping a backup of them is up to you. Hazina Plus is a one-time purchase made through the App Store or Google Play.
1. Using Hazina
By installing or using Hazina you agree to these terms. Hazina is meant for adults (18 and over) managing their own money. If you don't agree, please don't use it.
2. What Hazina does, and doesn't do
- Hazina reads payment texts and statements you allow it to, and payments you type in, and organises them into spending, budgets, bills and savings.
- It is not a bank, lender or payment service. It never moves money, holds money, or connects to your bank or mobile-money account.
- It is not financial, tax or legal advice. Figures, warnings and suggestions in the app are there to help you see your own records. Check important decisions with a qualified professional.
3. Accuracy
Hazina reads texts and statements written by banks and mobile-money services, whose wording can change. It may sometimes misread one, miss one, or put a payment in the wrong place. Please check the records that matter to you against your bank or M-Pesa statements. Your bank's and mobile-money provider's own records are the official ones.
4. Your data and backups
Your records stay on your phone (see the privacy policy). We don't have a copy and can't recover them. If you delete the app, lose or reset your phone without a backup, or forget the password of a locked backup, the records can't be brought back. Save a backup now and then (You › Your data).
5. The free version, the trial and Hazina Plus
- Hazina is free to download. For the first 14 days every feature is open. After that, the free version reads up to 30 payment texts a month and keeps up to 3 budgets and 5 bills; everything already in Hazina stays, and you can always enter payments by hand.
- Hazina Plus is a one-time purchase that removes those limits and unlocks people & children, Away, bank statements and export, closing months, cash counts, receipt photos, loans and debts, savings plans, alerts and reminders, other currencies, reading texts automatically, and marking business costs. It is not a subscription.
- In the free version, texts that arrive by themselves are kept under Messages to check rather than added; you can enter them by hand, and they are added automatically if you buy Plus.
- Payment is handled by the App Store or Google Play under their terms. Refunds are requested from them, following their refund policies.
- Plus belongs to the Apple ID or Google account that bought it, and can be restored on a new phone with the same account (You › Hazina Plus › Restore a purchase).
6. Fair use
Please don't copy, resell, reverse-engineer or tamper with Hazina, or use it to record money that isn't yours to keep track of without permission.
7. Changes and availability
We may update Hazina, change or add features, or update these terms. Features you bought with Plus won't be taken away while Hazina is offered. If these terms change, the new version will be posted here with a new date.
8. Liability
Hazina is provided as it is. As far as the law allows, Metastrata AI is not responsible for losses that come from relying on Hazina's records or figures, from misread or missing payments, or from lost data. Nothing in these terms takes away rights you have under consumer protection law.
9. Law
These terms are governed by the laws of Kenya.
Contact
Questions: hazina.support@metastrata.co.ke