1. Agreement
Makulutu is a Kenya-focused platform for live streamers and the fans who support them. References to “we”, “us”, and “the platform” mean Makulutu. “You” means the person using the service. If you use Makulutu on behalf of an organisation, you confirm you have authority to bind that organisation.
We may update these Terms. The “Last updated” date above is the current version. Continued use after a change means you accept the revised Terms. Material fee changes are described in section 6.
Makulutu provides tools so streamers can publish a public page and receive support, and so fans can pay for:
- Memberships (subscriptions) to a streamer’s page
- One-time live shoutouts shown on the stream (OBS / overlay alerts)
- Reward tiers the streamer lists
- Optional coaching or booking extras a streamer chooses to sell
We facilitate checkout, wallets, payouts, and related notifications. We do not produce the streamer’s live content, guarantee they will go live, or operate TikTok, YouTube, Twitch, Kick, or other sites they stream on. We are not a bank, M-Pesa agent, or payment institution; money movement uses third-party processors.
3. Eligibility
You must be at least 18 years old and legally able to enter a contract in Kenya (or in your country of residence) to create an account or complete a payment. You must use a valid Kenyan mobile number where M-Pesa is required, and accurate identity and contact details. We may refuse, suspend, or close accounts that fail verification, look fraudulent, or violate these Terms.
4. Accounts
Streamers and fans may register with email and password, a one-time code, or Google sign-in where that option is shown. You are responsible for keeping login details secret and for activity on your account. Streamers must complete email verification where required, keep their public profile honest, and may need stream verification before we treat the channel as reviewed.
We may suspend or terminate access for fraud, abuse, unpaid chargebacks, illegal content, or risk to users or the platform. You may stop using the service at any time; closing an account does not cancel completed payments or erase records we must keep for finance, tax, or dispute handling.
5. Memberships and catalog
Each streamer sets (or inherits) prices in Kenyan shillings (KES) for membership, shoutouts, reward tiers, and optional extras. What you receive — member chat or WhatsApp access, shoutouts on a live, a reward, or a coaching follow-up — is a promise between you and that streamer. Makulutu does not guarantee delivery, quality, or schedule of those benefits.
Membership is billed for the period shown at checkout (for example monthly). It is not a school enrolment. Shoutouts and reward tiers are typically one-off payments, not subscriptions, unless the checkout clearly says otherwise.
6. Fees and commissions
When a fan payment completes, Makulutu takes a platform commission from the gross KES amount the fan paid for that transaction. The remainder is the streamer’s net earning for that payment.
Default commission: 5% of each completed payment. Super Admin may set a different rate between 0% and 100%. The rate in force when the payment completes is stored on that payment and used for the split. Streamers can see the current rate in their wallet.
The fee is calculated per payment, not as one bulk charge on a month’s total: commission = round(gross × rate ÷ 100) to the nearest cent (two decimal places in KES), then net = gross − commission.
Example split at the default 5% commission| Example (default 5%) | Gross | Platform | Streamer net |
|---|
| Membership or shoutout of KES 1,000 | 1,000.00 | 50.00 | 950.00 |
| Reward tier of KES 200 | 200.00 | 10.00 | 190.00 |
This commission applies to completed memberships, live shoutouts, reward tiers, and coaching bookings processed through Makulutu. It is Makulutu’s fee for providing the platform. It is separate from:
- Safaricom M-Pesa, PayPal, or other processor charges under their own terms
- Any withdrawal / payout fee we configure (default KES 0 unless shown otherwise in the streamer wallet)
- Taxes the streamer or fan must account for under Kenyan or other law
Listed checkout prices are the amounts fans pay in KES on the platform. We do not add a second “hidden” platform percentage on top of that listed price at checkout; the commission is taken from the completed amount before the streamer’s wallet is credited.
7. Wallet and payouts
After a payment completes, the streamer’s net share is held as pending earnings for a settlement period (default 24 hours, configurable by Super Admin). After that, the amount can be requested as a withdrawal, subject to a minimum (default KES 500).
Streamers must save a valid Kenyan M-Pesa payout destination. Payout requests are reviewed in weekly batches (typically Wednesday). Approved amounts are sent by M-Pesa transfer; we (or operators acting for us) then mark the request paid. Timing depends on review, M-Pesa availability, and correct phone details. We may pause payouts for suspected fraud, missing KYC, or outstanding refunds.
You must not treat pending or available wallet balances as a deposit account. Balances are records of amounts we intend to pay you after fees, settlements, and any reversals.
8. Paying on Makulutu
Fans pay in KES using the methods offered at checkout — typically M-Pesa STK push, and PayPal where enabled. You authorise the charge when you confirm checkout. Failed, cancelled, or expired prompts are not completed payments; no membership or shoutout is due until the processor confirms success.
Guest checkout may collect a name and M-Pesa number without a fan account. Logged-in fans may also pay from the app or web. You must only use a number and payment instrument you are allowed to use.
9. Refunds and chargebacks
Digital support (memberships, shoutouts, reward tiers) is generally non-refundable once the payment has completed, except where we or the payment provider are required by law to refund, or we reverse a payment for fraud, duplicate charge, or a processor error.
Streamers are responsible for honouring what they sold. If a fan disputes a charge with M-Pesa, PayPal, their bank, or us, we may refund through the original channel and deduct or claw back the related net amount from the streamer’s wallet — including amounts already marked available. Processor dispute fees may be passed through where they apply.
Coaching or booking extras that the streamer fails to deliver should be raised first with that streamer, then via Support. We may assist but are not obliged to complete the session ourselves.
10. Content and streams
Streamers own (or must have rights to) the profile, photos, overlay messages, and live content they publish. You grant Makulutu a worldwide, non-exclusive licence to host, display, and transmit that material as needed to run the service (public pages, alerts, emails, and app screens).
Fans grant the same licence for names, messages, clip URLs, and media they submit for shoutouts or rewards. Do not submit content you do not have the right to share. Streamers must not use member WhatsApp or contact details for spam or unrelated marketing without a lawful basis.
11. Acceptable use
You agree not to:
- Make fraudulent payments, stolen-SIM / unauthorised M-Pesa use, or chargeback abuse
- Harass streamers or fans, or post illegal, hateful, or sexually exploitative content — including any sexual content involving minors
- Impersonate another person or streamer, or scrape, attack, or probe the service
- Circumvent fees, verification, or payout controls
- Use the platform for money laundering or any crime
We may remove content, withhold payouts, and report activity to payment partners or authorities where we reasonably believe the law requires it.
12. Intellectual property
The Makulutu name, logo, software, and site design are ours or our licensors’. You may not copy the platform or use our marks except as needed to identify a genuine Makulutu page. Feedback you send may be used to improve the service without obligation to you.
13. Privacy
We process personal data to operate accounts, checkout, fraud prevention, payouts, and support. That typically includes name, email, phone / M-Pesa MSISDN, profile photos, payment references, device and log data, and messages you send through the product. Media you upload may be stored in private object storage and shown via time-limited access links.
We share data with payment processors, email/SMS/WhatsApp providers, hosting (including AWS where used), and as required by law. We retain finance records as needed for accounting and disputes. You may request access or correction of your account data via Support. Kenya’s Data Protection Act, 2019 applies to processing we carry out in connection with this service.
14. Disclaimers and liability
The service is provided “as is”. Live platforms, M-Pesa, PayPal, hosting, and the internet can fail. We do not warrant uninterrupted uptime, that a streamer will perform, or that a shoutout will appear on a particular broadcast.
To the maximum extent allowed by Kenyan law, Makulutu is not liable for indirect, incidental, special, or consequential loss, lost profits, or lost data. Our total liability for a claim relating to a payment is limited to the platform commission we actually retained on that payment, and for other claims to KES 5,000 in aggregate, except where liability cannot be limited (including death or personal injury caused by negligence, or fraud).
You will indemnify Makulutu against claims arising from your content, your breach of these Terms, or your disputes with fans or streamers, except to the extent caused by our wilful misconduct.
15. Governing law and contact
These Terms are governed by the laws of the Republic of Kenya. Courts of competent jurisdiction in Kenya have exclusive jurisdiction, after you first try to resolve the issue with us in good faith.
Questions: Support · About Makulutu.