Last Updated: June 16, 2026
By accessing or using ChamaVault, you agree to be bound by these Terms of Service. If you do not agree, please do not use the application. ChamaVault is a decentralized, non-custodial interface built on the Celo blockchain.
ChamaVault provides a user interface to interact with decentralized smart contracts. We do not control, manage, or hold custody of your funds. All contributions, savings rounds, and yield generation operations occur directly on-chain through smart contracts. You assume full responsibility for all transactions signed by your wallet.
Savings circles (Chamas) rely on regular contributions. In the event of a contribution default, the group may vote to kick a defaulting member using the governance mechanism. Kicked members forfeit future rounds and may have their global reputation score penalized on-chain.
Using blockchain systems involves risks, including but not limited to: fluctuations in network gas fees, smart contract vulnerabilities, stablecoin peg variation (e.g., cUSD, USDC), and wallet security breaches. You acknowledge that ChamaVault is not liable for losses resulting from these systemic risks.
ChamaVault is provided "as is" and "as available" without any warranties of any kind. We do not warrant that the application will be uninterrupted, secure, or free from bugs or errors.