1. Early access

Baanka is currently invite-only. Features may change as we improve the service. We aim to communicate material changes clearly in advance.

2. Coordination only

Baanka does not process or safeguard funds directly. Payment tracking and records are coordination tools, not regulated savings protection.

3. Your responsibilities

You are responsible for using Baanka appropriately, keeping invite codes private, and only inviting people you trust.

4. Circle risk

Savings circles are trust-based arrangements. Baanka does not provide FSCS protection, does not insure funds, and does not guarantee recovery if a member defaults or an organiser disappears.

5. Data and changes

We may revise retention and operational policies during early access. Export anything you need before major changes take effect.

Questions? Use the support form for clarifications.