Terms & Conditions


1.1 Definitions

These Terms and Conditions (“T&C”) below set out the rules for all lottery draws (“Winda Chapaa ”) or (“Lottery”) which are promoted and managed by Kareco Holdings Limited (“KHL”) trading as Winda Chapaa (“Winda”) listed on its website www.windachapaa.com (the “Website”); “we “ or “Winda Chapaa” refers to Kareco Holdings Limited;and “you” or “your” refers to you, the user.

1.2 Licensing and Governing Laws

Winda Chapaa  Lottery is licensed and regulated by the Betting Control and Licensing Board (BCLB) established under the Betting Lotteries and Gaming Act Cap 131 Laws of Kenya, Under license Number 1222.

These T&C are governed by and construed in accordance with Kenyan law and shall be subject to the exclusive jurisdiction of the Kenyan courts.

1.3 Terms Subject to Change

KHL reserves the right to amend T&Cs, including any game rules, at any time and without notice. All changes are effective upon posting. Your continued use of an account or this service after changes are posted constitutes your acceptance of any changes to these terms, including game rules. It is your responsibility to periodically review these terms, including the rules of any game you purchase, for changes. KHL may use its database of Players that have registered online to notify all those Players.

1.4 Acceptance of Terms

By registering for an account or updating your account, and using an account or this service, you hereby accept and agree to be legally bound by all of these terms. If you do not accept and agree to be bound by any of these terms, you should not register for, update, or use an account and are not authorized to use this service.

1.5 Violation of Terms

Winda Chapaa may take any lawful action we deem appropriate in response to an actual or suspected violation of these terms. This includes, but is not limited to: suspending or disabling access to your account; blocking access to this website or service; withholding your withdrawal of any funds pending completion of an investigation; invalidating a purchase; refusing to award a prize or reclaiming a prize that has been awarded; reporting and providing information about your actions to any third party is required, including law enforcement; cooperating in any investigation; and initiating or participating in any civil or criminal action. By violating these terms, you waive and forfeit any claim to a prize or any portion of a prize.


2.1 General Requirements

To participate in the Winda Chapaa  Lottery, you must: be at least 18 years of age; have successfully completed the process registering your Player account.

2.2 Prohibition

The use of artificial intelligence or "bots" on or in connection with Winda Chapaa Service is strictly forbidden. Likewise, any application that uses any or all of the data contained on Winda Chapaa  Lottery Centre Service for purposes (including but not limited to commercial purposes, via methods including but not limited to screen scraping) other than participating in The Winda Chapaa  Lottery , is prohibited. Winda Chapaa  will take measures to prevent and detect the use of programs that are designed to enable artificial intelligence (i.e., non-humans) to utilise or benefit from the data contained on the Website. Any attempted or actual use of artificial intelligence by the Customer will prompt the suspension or termination of their Account

2.3 Transaction History

Winda Chapaa  records and stores any transactions you conduct through this service. A transaction history is also available for you to view through your account. This history is provided as a convenience only.

2.4 System Errors

You agrees to indemnify Winda Chapaa , in the event that there is a system error and your ticket is drawn more than once in the relevant draw then the draw results are automatically invalided and Winda Chapaa  will be obligated to refund the full wager amount.

2.5 Balance Errors

In the event that any funds are mistakenly credited to or deducted from your account, we are entitled to make the appropriate adjustments. If any funds are incorrectly credited to or deducted from your account, you must notify us of the errors immediately, and not more than 30 days following the transaction in question.Funds credited to Customer Funds in error cannot be used to place an order and the Operator reserves the right to void any transaction involving such funds.  For the avoidance of doubt, when the Customer has a credit balance and further sums are erroneously added to this balance, the Customer is permitted to transact up to the level of funds available in their Account excluding the erroneously added funds. If you withdraw any funds incorrectly credited to your account, Winda Chapaa  may withhold that amount from any deposit or prize winnings, or seek recovery. If you use any funds incorrectly credited to your account to purchase a lottery ticket, Winda Chapaa  shall deem the purchase void and will refuse to pay any prize or recover any prize already paid.

You agrees to indemnify Winda Chapaa  for any erroneously credited funds that you have withdrawn.Any decision in respect of any other matter or dispute arising from any disputed credit or debit shall be final and binding upon all Participants and any other person or persons having any interest in the matter or dispute. Please be aware that we will not consider any such error request unless you include full details of the disputed transaction, including the relevant dates, payment details, and a short explanation as to why the amount is disputed. If we, in our sole discretion, find that an amount has been wrongfully charged we will, as your sole remedy, refund you that amount.

2.6 No Interest on Funds

You will not receive any interest of any kind on funds deposited or held in your account, including any prize winnings.

2.7 Intellectual Property

All intellectual property rights generated as a result of the operation of the Lottery shall be the property of KHL and Players agree to take all steps (at KHL cost) to vest in KHL any intellectual property which the Player creates in the course of entering the Lottery.

All intellectual property appearing on this website, including, but not limited to, all copyrights, trademarks, service marks, and trade dress. We own the rights to all content appearing on this website, which includes, but is not limited to, images, pictures, graphics, photographs, animations, videos, music, audio, text, games, game mechanics, play methods, code, software, format, presentation, and organization.

2.8 Communications from Us

Winda Chapaa  may use your account information to contact you by email, text message from only (29700 or Winda Chapaa), and/or telephone (254 / 254) regarding use of your account and transactions. You may also receive promotional sms,material and newsletters.

2.9 Promotion period

The Winda Chapaa  promotion will run for one year.


3.1 General Play Matrix

3.1.1 Winda Chapaa  Lottery 3

Winda Chapaa is a simple QUESTION and ANSWER where one chooses an answer to a question from 2 options provided and BET with a minimum of KES.10. How to Play Winda Chapaa?

Go to M-PESA on your phone and select Lipa na M-PESA.

Enter M-Pesa Paybill number as 290700,

Amount range is from 30/- to 1000/-.

A question is then sent to you. Answer the questions correctly, replying with either 1 or 2 as options for the choices given.

If you win, you get awarded instantly.


  • ON WEB

The player can enter via web link http://www.windachapaa.com

Click on the ‘DEPOSIT’ button on top center of the page.  Enter the amount  you want to deposit from KES. 10  -  1000 and Click ‘Lipa Na MPESA’.

Get playing by answering the questions provided . Matrix Table



4.1 Depositing to your Account

You may deposit funds by sending Money via M-Pesa using paybill 290700 and Account Number as WIN  and the amount will reflect in your account,the mobile Number used to deposit will be credited.

4.2 No withdrawal or transfer of Deposit

Funds you deposit into your account cannot be withdrawn, returned, charged-back, re-credited, or transferred to another account. It is your responsibility to refrain from depositing more than you will use. You agree that you will not attempt to deny, reverse, charge-back, re-credit, block or otherwise attempt to invalidate, recover, or deny us receipt of a deposit. You hereby authorize us to hold and collect any amount owed to us as a result of any such fees or penalties from your deposits or winnings.


5.1 Claiming Prizes

A prize is paid if there is a ticket number that matches the drawn number in the relevant draw.

5.7 Cancellation of a Prize

Winda Chapaa  may cancel or invalidate or refuse to pay, a prize if the following validation requirements are not met:-

  1. The player is under the age of 18.
  2. The directors and staff of Winda Chapaa  or any other person of close association to the mentioned,
  3. Cannot provide proof of validity of the ticket number or Mobile money receipt used to place the bet.
  4. The bet is by an act to as on rule 1.5 and rule 2.2 with an intention to increase the chances of You or that person winning a Prize.

5.8 Prize Winnings Withdrawals Only

Winner accounts will be automatically credited to their respective accounts. To withdraw winnings from your account a maximum of Kes.20,000 will be allowed all other monies will be payable to the winner via cheque to the winner’s account. All withdrawal charges are pushed the the winner.

5.9 Withdrawal Methods

Maximum withdrawable amount per day is Kshs. 10,000.


In case of a complaint to express any dissatisfaction with any aspect of Winda Chapaa , Players should:

6.1 Email Support

email the Contact Centre on support@windachapaa.com

6.2 Telephone Helpline

Call on 254 709 183 566. Calls to Helpline will be charged in accordance with charges levied by telecommunication service providers.

6.3 Social Media

Facebook:@Winda Chapaa