GG'APP

Terms and Conditions

GG'APP by Gateway Global · Effective 20th July, 2026 · Last updated 7th August, 2026

Welcome to GG'APP ("Platform", "App", "we", "our", or "us"). These Terms and Conditions ("Terms") govern the use of the GG'APP mobile application, Progressive Web Application (PWA), website, and related services. By accessing or using GG'APP, you acknowledge that you have read, understood, and agreed to be bound by these Terms. If you do not agree with these Terms, you must not use the Platform.

1. About GG'APP

GG'APP is a digital healthcare financing platform that connects:

The Platform facilitates healthcare service access, appointment coordination, invoice processing, and payment authorization through approved healthcare financing channels.

GG'APP does not itself provide medical treatment, medical advice, or financial lending services unless expressly stated.

2. Eligibility

To use GG'APP, you must:

We reserve the right to suspend or terminate accounts found to contain false, misleading, or fraudulent information.

3. User Accounts

3.1 Registration

Users may register using:

Accounts created with an email and password must verify their email address before signing in.

Accounts created with Google Sign-In are verified by Google and do not require a separate verification email.

Users are responsible for maintaining the confidentiality of their login credentials and payment PIN.

3.2 Account Security

You agree:

GG'APP shall not be liable for losses arising from unauthorized account use caused by user negligence.

3.3 Suspension and Termination

We may suspend, restrict, or terminate accounts where:

4. Healthcare Services Disclaimer

GG'APP is a technology platform only. We do not:

All healthcare services are independently provided by licensed healthcare service providers.

Patients are solely responsible for consulting qualified medical professionals regarding diagnosis, treatment, medication, and medical decisions.

In emergencies, users must contact local emergency medical services directly.

5. Service Providers

Healthcare service providers using GG'APP are independently licensed professionals or institutions. While GG'APP performs verification procedures, we:

Users acknowledge that any healthcare engagement is strictly between the patient and the service provider.

6. Credit and Financing Services

6.1 Third-Party Finance Partners

Healthcare credit services available through GG'APP are offered by independent finance partners. GG'APP:

Loan approvals, interest rates, repayment schedules, and financing conditions are determined solely by the finance partner.

6.2 User Responsibility

Users remain fully responsible for:

Failure to repay financing obligations may affect the user's credit standing with the finance partner.

7. Payment Authorization and Triple-PIN Security

GG'APP utilizes a secure Triple-PIN authorization process for payment approvals. By entering your PIN and confirming payment:

Users are responsible for safeguarding their PIN.

GG'APP is not liable for losses resulting from shared PINs, user negligence, or unauthorized access caused by compromised devices or credentials.

8. User Conduct

Users agree not to:

Violation may result in account suspension, legal action, or reporting to authorities.

9. Uploads and Submitted Content

Users may upload:

You confirm that you own or are authorized to submit such content, the information is accurate, and the content does not violate laws or third-party rights.

GG'APP may remove content that violates these Terms or applicable law.

10. Privacy and Data Protection

Your use of GG'APP is also governed by our Privacy Policy.

We process personal data in compliance with applicable data protection laws, including the Kenya Data Protection Act, 2019.

By using the Platform, you consent to the collection, processing, storage, and sharing of data as described in the Privacy Policy.

11. Intellectual Property

All intellectual property rights relating to GG'APP, including software, branding, logos, designs, databases, content, source code, and features and functionality, remain the exclusive property of GG'APP and its licensors. Users may not:

Any of the above requires prior written permission from GG'APP.

12. Platform Availability

While we strive for continuous availability, GG'APP does not guarantee uninterrupted service. The Platform may occasionally experience:

We reserve the right to modify, suspend, or discontinue features without prior notice.

13. Notifications and Communications

By using GG'APP, users consent to receiving:

Verification and transactional emails are delivered through a third-party email provider (Resend) from no-reply@gatewayglobal.africa.

Users may adjust certain communication preferences within the application settings.

Critical security and transactional notifications cannot be disabled.

14. Disputes and Invoice Challenges

Users may dispute invoices before payment authorization. GG'APP administrators may:

GG'APP reserves the right to suspend disputed transactions pending investigation.

15. Limitation of Liability

To the maximum extent permitted by law, GG'APP and its affiliates shall not be liable for:

Our total liability shall not exceed the amount of fees paid directly to GG'APP by the user in the preceding twelve (12) months.

16. Indemnification

Users agree to indemnify and hold harmless GG'APP, its directors, employees, affiliates, and partners from claims, losses, liabilities, damages, and expenses arising from:

17. Regulatory Compliance

Users agree to comply with all applicable laws and regulations relating to:

GG'APP reserves the right to cooperate with regulators and law enforcement authorities where legally required.

18. Data Retention

GG'APP may retain certain records for:

Even after account deletion requests, certain transactional or compliance records may be retained where legally required.

19. Account Deletion

Users may request account deletion through the Platform or by contacting support.

Deletion requests may take up to 30 days to process, subject to legal and regulatory retention requirements.

Certain data may remain archived for compliance, fraud prevention, or audit purposes.

20. Governing Law

These Terms shall be governed by and interpreted in accordance with the laws of the Republic of Kenya.

Any disputes arising from these Terms shall be subject to the jurisdiction of Kenyan courts unless otherwise required by applicable law.

21. Changes to Terms

GG'APP may update these Terms periodically. Users will be notified of material changes through:

Continued use of the Platform after updates constitutes acceptance of the revised Terms.

22. Contact Information

For support, legal inquiries, or complaints, contact: