Terms of Service

Simple terms

Halupay is your digital ledger for lending records. Here's how to get the most out of it.

The basics:

  • Halupay organizes your lending records — you handle the money
  • Accurate input = accurate tracking
  • Your PIN keeps your account secure
  • Free to use

What Halupay is

A record-keeping app built by Halulabs. It helps you organize borrower information, track loans, and log payments — like a digital version of your paper ledger.

You manage the actual lending. Halupay keeps your records organized and accessible.

Who it's for

Anyone in Malawi (18+) who lends money and wants a better way to track who owes what. Individual lenders, small businesses, savings groups.

Your account

Your phone number + PIN gives you secure access to your records. Keep your PIN private to keep your account secure.

Getting accurate results

The app calculates balances, interest, and due dates based on what you enter. Accurate records in = accurate tracking out.

Pricing

Halupay is free. If we add premium features later, you'll be the first to know — and your free features will stay free.

Questions?

Reach out at support@halulabs.com

Halulabs

Lilongwe, Malawi

Last updated: January 2025. By using Halupay, you agree to these terms.