Last updated 23 Aug 2026
Welcome to Homia Kenya ("Homia", "we", "us", or "our"), a property listing platform operated by Teelpay Technologies Ltd, accessible at homia.co.ke. These Terms & Conditions ("Terms") govern your access to and use of the website, mobile-friendly platform, and all related services (together, the "Platform"). By creating an account, browsing listings, submitting a property, or making a payment on the Platform, you agree to be bound by these Terms. If you do not agree, please do not use the Platform.
1. WHO CAN USE HOMIA
You must be at least 18 years old and capable of forming a binding contract under the laws of Kenya to create an account or make a payment on the Platform. By using Homia, you confirm that the information you provide is accurate and that you are using the Platform for lawful purposes only.
2. ACCOUNT TYPES
Homia has three types of accounts, each with different rights and obligations:
- Regular Users - can browse listings, save favourites, submit reviews, and list properties for free. Regular users do not earn any reward for listings they submit.
- Contributors - a separate account type for individuals who apply, are vetted, and are approved by our admin team to list properties on Homia's behalf and earn a cash reward for each approved listing. Contributor applications require accurate personal details, including your name, location, availability, and National ID number, which we use solely to verify your identity and are never displayed publicly.
- Administrators - Homia staff and authorised subadministrators who review, approve, reject, and moderate listings, accounts, and payments.
We may approve, reject, or suspend any Contributor application or account at our sole discretion, including after approval, if we reasonably believe the account is being used improperly, the information provided was inaccurate, or these Terms have been breached. A suspended Contributor cannot log in or submit new listings until reactivated.
3. LISTING PROPERTIES
Anyone listing a property on Homia (whether a Regular User or a Contributor) confirms that:
- They have the legal right or authorisation to list the property, or are listing it on behalf of someone who does;
- All information provided - including price, location, description, photos, and contact details - is accurate and not misleading;
- The listing does not infringe any third party's rights, including intellectual property or privacy rights;
- The property is not listed in violation of any applicable law.
All listings are subject to review and must be approved by an administrator before they appear publicly. We reserve the right to reject, edit for clarity, suspend, or remove any listing at any time, with or without notice, including listings that are inaccurate, fraudulent, duplicated, or otherwise violate these Terms.
4. FEES AND PAYMENTS
Homia uses M-Pesa (via Safaricom's Daraja API) to process payments on the Platform. The following fees may apply, and current amounts are always shown on the Platform before you pay:
- Contact Unlock Fee - a one-time fee a visitor pays to view a lister's phone number, WhatsApp contact, and exact map location for a specific property.
- Contact Subscription - an optional subscription (1 day, 1 week, or 2 weeks) that gives a logged-in user unlimited contact access across all listings for the subscription period, instead of paying per listing.
- Listing Fee - where enabled by Homia, a fee charged to a Regular User to submit a property listing.
- Listing Quota Subscription - where enabled by Homia, Regular Users must hold an active quota subscription to submit "For Sale" listings, limited to a set number of listings per billing period depending on the plan purchased. This requirement can be switched off Platform-wide at our discretion, in which case such listings become free again.
All fees, prices, and plan amounts are set and may be changed by Homia at any time; the price shown to you at the time of payment is the price that applies to that transaction. Except where required by Kenyan consumer protection law, or where we are unable to deliver the service paid for (for example, a failed contact unlock due to a technical error on our side), payments made on the Platform are non-refundable. If you believe you were charged in error, contact us using the details in Section 16 below.
5. CONTRIBUTOR EARNINGS AND PAYOUTS
Approved Contributors earn a cash reward for each property listing that is submitted and subsequently approved by an administrator. Reward amounts are set by Homia and may vary by property category or change over time; the amount that applies to a given listing is the amount in effect at the time it is approved.
A Contributor may request payout of their approved, unpaid earnings balance at any time by selecting the earnings to include in the request. Payout requests are reviewed and settled by our finance team on the 16th and 3rd of each month. Homia is not responsible for delays caused by incorrect payout or contact details provided by the Contributor, or by delays on the part of payment processors or banks.
Homia reserves the right to withhold, reverse, or adjust any earnings that were credited in error, as a result of fraudulent or duplicate listings, or as a result of a breach of these Terms.
6. HOMIA'S ROLE
Homia is a listing platform that connects property listers with prospective buyers, tenants, and lessees. We are not a real estate agent, broker, property manager, or party to any transaction, tenancy, sale, or lease agreement between a lister and a buyer or tenant. We do not inspect, verify title to, or guarantee the accuracy, availability, condition, or legality of any property listed on the Platform. You are solely responsible for conducting your own due diligence - including verifying ownership, viewing the property in person, and seeking independent legal or professional advice - before entering into any transaction arising from a listing on Homia.
7. PROHIBITED CONDUCT
When using the Platform, you agree not to:
- Submit false, misleading, fraudulent, or duplicate listings;
- Impersonate any person or entity, or misrepresent your affiliation with a property;
- Use the Platform to send unsolicited communications or spam;
- Attempt to circumvent any payment, security, or access-control feature of the Platform;
- Upload content that is unlawful, defamatory, obscene, or infringes another person's rights;
- Use automated means (bots, scrapers) to access or extract data from the Platform without our written permission;
- Interfere with or disrupt the Platform's operation, security, or availability.
We may suspend or terminate any account that violates this section, in addition to any other remedies available to us.
8. CONTENT AND INTELLECTUAL PROPERTY
By submitting a listing, review, blog comment, or other content to Homia, you grant us a non-exclusive, worldwide, royalty-free licence to host, display, reproduce, and distribute that content on the Platform for as long as it remains published. You retain ownership of content you submit, and confirm you have the right to grant this licence. All other content on the Platform - including the Homia name, logo, design, and site software - is owned by or licensed to Teelpay Technologies Ltd and may not be copied or used without our written permission.
9. THIRD-PARTY SERVICES
The Platform integrates with third-party services, including Safaricom M-Pesa (Daraja API) for payments and Google for account sign-in. Your use of those services is also subject to their own terms and privacy policies, which we encourage you to review. We are not responsible for the availability, accuracy, or performance of third-party services.
10. DISCLAIMERS AND LIMITATION OF LIABILITY
The Platform is provided "as is" and "as available", without warranties of any kind, whether express or implied, including as to accuracy, availability, or fitness for a particular purpose. To the fullest extent permitted by the laws of Kenya, Homia and Teelpay Technologies Ltd shall not be liable for any indirect, incidental, special, or consequential loss or damage arising from your use of the Platform, any transaction entered into as a result of a listing, or any dispute between a lister and a prospective buyer or tenant. Nothing in these Terms limits any liability that cannot lawfully be excluded or limited under Kenyan law.
11. INDEMNITY
You agree to indemnify and hold harmless Homia, Teelpay Technologies Ltd, and our officers, employees, and agents from any claim, loss, liability, or expense (including reasonable legal fees) arising from your breach of these Terms, your use of the Platform, or content you submit.
12. PRIVACY
Our collection and use of your personal information, including Contributor identity-verification details, is described in our Privacy Policy, available at homia.co.ke/privacy-policy. By using the Platform, you also agree to that Privacy Policy.
13. ACCOUNT SUSPENSION AND TERMINATION
We may suspend or terminate your access to the Platform at any time, with or without notice, if we reasonably believe you have breached these Terms, engaged in fraudulent or harmful conduct, or for any other reason at our discretion. You may stop using the Platform and request account deletion at any time by contacting us.
14. CHANGES TO THESE TERMS
We may update these Terms from time to time to reflect changes to the Platform, our services, or legal requirements. The updated Terms will be posted on this page with a new "last updated" date. Continuing to use the Platform after changes are posted means you accept the revised Terms.
15. GOVERNING LAW
These Terms are governed by the laws of the Republic of Kenya. Any dispute arising from these Terms or your use of the Platform shall be subject to the exclusive jurisdiction of the courts of Kenya.
16. CONTACT US
If you have questions about these Terms, please contact us at home@homia.co.ke or +254 729 327 034.