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The use of such website is also subject to the terms of use and other terms and guidelines, if any, contained within each such website. In the event that any of the terms contained herein conflict with the terms of use or other terms and guidelines contained within any such website, then the terms of use and other terms and guidelines for such website shall prevail.

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SC Junior Banking Terms and Conditions

Important notice to Juniors: if you are below the legal contracting age of Kenya, please ensure that you have obtained your parent or legal guardian’s permission to download and register for this app; please also obtain your parent or legal guardian’s explicit consent and acceptance to these Terms of Use on your behalf. In the event you, the Junior, is above the legal contracting age of Kenya, you shall accept and agree to these Terms on your own behalf.

Important notice to parents / legal guardians: These Terms govern the use by both you and your child of the app, including a child for whom you are the legal guardian (henceforth known as a ‘Junior’). By downloading the app and creating the respective accounts (i.e. the Parent account and the Junior account) for yourself and the Junior, you agree to these Terms on your behalf, as well as on the Junior’s behalf. You represent to us that you are lawfully able to enter these Terms, and that you are the legal guardian of the Junior and you accept and agree to these terms on their behalf. You further warrant and represent that you will explain these terms to the Junior and procure that the Junior complies with these terms and shall indemnify SCB against all losses arising from any breaches of these terms by the Junior and/or the Junior’s use of the app. Unless otherwise stated, all references henceforth to ‘you’; ‘your’; and ‘yourself’ in these Terms and the SC Junior Privacy Policy shall mean you and the Junior on whose behalf you are accepting these Terms and the SC Junior Privacy Policy.

The SC Junior mobile application (the “app”) is owned and operated by Standard Chartered Bank (“SCB”). Your use of the app is governed by these Terms of Use (“Terms”) and our SC Junior Privacy Policy which you can find below.

If you do not agree to these Terms, you must immediately discontinue your access or use and uninstall and/or delete the app from your respective mobile devices.

Where you (the Parent) are an existing Standard Chartered online/mobile banking user, your account login credentials for the app shall be your online/mobile banking credentials (i.e. your username and password). Please however note that the app’s functionality and contents are not integrated or connected to SCB online/mobile banking app’s functionality. For Juniors, your account can only be activated by way of a QR code generated from the Parent’s account. After the Junior’s account is activated, a Junior can continue to access the app via a unique 6 digit PIN (passcode). Both Parents and Juniors may also opt to access the app via the SC Junior biometric login service; should you choose to do so by undergoing the registration process, you accept and agree to the SC Junior biometric login service terms in the Annex below.

You shall be liable for all actions performed under your SC Junior account. You confirm that any person who uses your login credentials is authorised to access and use the app on your behalf and any instructions or actions under your SC Junior account shall be deemed to have originated from you if the correct login credentials were submitted.

Products and services

You understand that the app is not a live transactional or banking app; you cannot use the app to view any SCB banking accounts or statements and/or execute any banking transactions.

The app has a rewards and wallet feature (including a reference to ‘diamonds’ that a Junior can accumulate). You understand that these rewards and wallet are purely for intra-app use and are non-monetary in nature and cannot be converted into or redeemed for cash or cash equivalent. You further understand that the app does not issue, manage or custodise any digital or payment tokens and/or any other form of digital currency. The primary/sole purpose of the app is to educate children on financial literacy and skills, under the supervision and guidance of their parent or legal guardian.

You understand that there are respective Parent and Junior accounts for the app and these are linked accounts for which the relevant content and information provided on one account will be automatically shared and displayed on the other linked account. Please note that a Junior account can be disabled but cannot be unlinked from its Parent account.

The app is available for download from Google Play and iTunes app stores. Both Parents and Juniors can log into the app to access their respective profiles, adjust settings, view dashboards, capture goals and task activities, and navigate financial literacy content.

The information and material on the app is not an offer, solicitation, invitation, advice or recommendation for products or financial services by SCB. The app does not allow you to directly buy or receive financial products and services.

If you wish to opt to receive alerts from the app, you will need to enable push notification on your mobile device for the app. Push notification is a service provided by Apple and Google for their respective mobile operating systems i.e. iOS and Android respectively through which an iOS or Android mobile app (in this case, our SC Junior app) can send a user (who has installed the mobile app) a notification. Please therefore ensure that the push notification function of your mobile device is correctly activated and updated, connected to the relevant WIFI or data network, and is not disabled or deleted.

Availability and use of app

The availability and proper functioning of the app depends on many variable circumstances, including location, mobile network and internet availability and signal strength, and proper functioning of hardware, software, your mobile network operator and mobile device.

Upon your download of the app, we grant you a revocable, non-transferable, non-sublicensable, limited license to use the app on a mobile device you own and control for your personal purposes, subject to these Terms.


The app is intended for access and download by users in Kenya. If accessing the app from a particular country or jurisdiction would be illegal, you must not do so. You represent and warrant that (i) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a “terrorist supporting” country; and (ii) you are not listed on any U.S. Government list of prohibited or restricted parties.


The material and information contained on the app is provided for general information only. We make no representation or warranty of any kind, whether express, implied or statutory regarding the material and information contained or referred to in the app.

We may make available third party providers’ content through the app. We are not responsible for and make no representation or warranty of any kind, whether express, implied or statutory regarding the third party providers’ content available through the app.

Our inclusion of hyperlinks on the site or the app does not imply any endorsement of the material on such sites. Any hyperlink exists for information purposes and are for your convenience only. We are not responsible for the contents of third party websites. If you visit third party websites, then your rights and obligations while accessing and using those sites will be governed by the agreements and policies relating to use of those third party sites.

Limitation of liability

To the maximum extent permitted by applicable law, we accept no liability for any loss or damage (including special, incidental or consequential loss or damage) arising directly or indirectly from your download and use of the app, howsoever arising from, but not limited to:

  • Any defect, error, imperfection, fault, mistake or inaccuracy with the app, its contents (including content from third party providers), associated services, or due to any unavailability of this app or any local site, hyperlink or any part thereof or any contents or associated services;
  • Action taken, or not taken in reliance on material, content or information contained on the app; and
  • Any computer viruses, Trojan horses, worms, software bombs or similar items. You click on any hyperlinks or download any software or data at your own risk.

You agree to indemnify and hold us, our officers, directors, shareholders, predecessors, successors in interest, employees, agents, subsidiaries and affiliates, harmless from any demands, loss, liability, claims or expenses (including legal fees), made against us by any third party due to or arising out of or in connection with your use of the app.

Personal data – SC Junior Privacy Policy

You agree to the terms of the SC Junior Privacy Policy, which are incorporated herein by reference.


It is your responsibility to ensure that any user ID and/or password used by you in connection with the app is kept secure, and that no person or entity other than you obtains access to that user ID and/or password, including logging off securely to prevent any unauthorised access to your confidential information.

Intellectual property rights

All rights (including, but not limited to, copyright) in and to the contents (including, but not limited to, trademarks, text, graphics, images, links and sounds) contained on the app is owned by or licensed to SCB or our affiliates, and may not, unless expressly permitted, be copied, modified, downloaded, distributed or published in any way without the prior written consent of SCB, our affiliates, or licensors, as the case may be. If any content on the app is permitted for use, you shall comply with all terms of use, conditions, guidelines, or restrictions that apply to that content.

“SC Junior” is a trademarks, logo and service marks of [Standard Chartered Bank] and no permission or licence is granted to use any such trademarks, logos or service marks without the prior written consent of Standard Chartered Bank.

In relation to any information or material you submit to us using the app and/or to our social media accounts, you hereby grant to SCB and other members of the SCB Group a worldwide, royalty-free, perpetual, irrevocable, sub-licensable right and licence to use such information or material for any purpose it deems appropriate, including without limitation, the copying, modification, transmission, distribution and publication thereof, unless restricted by applicable law. You represent and warrant that such information or material you submit does not infringe the rights of any other third party.

You agree that we shall not be under any obligation of confidentiality to you regarding any such information or material submitted to it using the app and/or our social media accounts unless otherwise agreed in a separate direct contract between us or required by law. Any personal data disclosed to SCB will be subject to the terms of the SC Junior Privacy Policy.


We reserve the right in its discretion to change without prior notice any information, material, or functionality contained on the app.

These Terms may be updated from time to time and amendments take effect from the date they are placed on the app. You are advised to visit the app regularly to check for any amendments. These Terms were last updated on Kenya.


We may terminate this agreement, your access to the app and use of any service at any time.

Governing law

These Terms shall be governed by and construed according Kenya laws. Any dispute, controversy or claim arising out of or in connection with these Terms of Use shall be subject to the non-exclusive jurisdiction of the Kenya courts.


You may direct questions, complaints or claims to:


Annex to the Terms: SC Junior biometric login service terms (“Biometric Login Terms”)

  1. These Biometric Login Terms apply to and regulate your use of the SC Junior biometric login service. By undergoing the registration process to use the SC Junior biometric login service, or using the SC Junior biometric login service, you accept and agree to these Biometric Login Terms.
  2. The SC Junior biometric login service is a service where you may use your fingerprint or face identification registered on a permitted mobile device in lieu of your Standard Chartered online/mobile banking username and password or designated app passcode as a security code to confirm your identity to access the app.
  3. You acknowledge and agree that in order to use the SC Junior biometric login service:
    1. You will need to activate the fingerprint / face recognition function on your mobile device and register your face identification or at least one of your fingerprints to control access to the mobile device; and
    2. You must ensure that only your face / fingerprint identification are stored on your mobile device to access the device and you understand that upon the successful registration of your permitted mobile device, any face / fingerprint identification that is stored on your mobile device can be used to access the app.
  4. Each time the app detects the use of a face / fingerprint identification registered on a mobile device  on which you have registered for the SC Junior biometric login service to access the app, you are deemed to have accessed the app and/or provided us the relevant instructions as the case may be.
  5. You acknowledge that the authentication is performed by the app by interfacing with the face / fingerprint identification authentication module on the mobile device and that you agree to the authentication process.
  6. You can deactivate the SC Junior biometric login service at any time using the left navigation menu of the app once you are signed in [to confirm with products team].
  7. If you inform us that the security of your face / fingerprint identification or other security code has been compromised, we may require you to change the security code, re-register your face / fingerprint identification or cease the use of the SC Junior biometric login service.
  8. You acknowledge and agree that, for the purposes of the SC Junior biometric login service, the app will be accessing the face / fingerprint identification registered in your  mobile device, and you hereby consent to SCB accessing and using such information for the provision of the SC Junior biometric login service.
  9. You understand the need to protect your mobile device and shall be responsible for all use of your mobile device (whether authorised by you or otherwise) to access the SC Junior biometric login service.
  10. You understand that the face / fingerprint authentication module of the mobile device is not provided by the Bank, and we make no representation or warranty as to the security of the face / fingerprint authentication function of any mobile device and whether it works in the way that the manufacturer of the device represents.
  11. We do not represent or warrant that the SC Junior biometric login service will be accessible at all times, or function with any electronic equipment, software, infrastructure that SCB may offer from time to time
  12. Unless a law prohibits us from excluding or limiting our liability, we are not liable for any loss you incur in connection with the use or attempted use of the SC Junior biometric login service, or your instructions.
  13. You shall indemnify us from all loss and damage which we may incur in connection with any improper use of the SC Junior biometric login service.