Terms & Conditions

Your membership

By joining, you become a member of Keshia Services Financial Systems, a 501(c)(4) social and economic welfare organization, and you agree to review and sign the member constitution. Your membership gives you access to the member portal, deposit tracking, credit and trust programs, and filing services as described on this site.

Your account

You are responsible for keeping your password and account PIN confidential. Only you should access your account. If you believe someone else has accessed it, contact us immediately and we will help you secure it.

Deposits, credit packages, and trusts

Deposits are recorded in your account as you make them. Deposit-backed public credit packages carry the published terms shown in the public registry, including credit value, term, and interest rate. Educational trust accounts are governed by their trust terms and trustee oversight. Program terms are set by the organization and any change affecting your account will be communicated to you.

Payments run through PayPal

We never collect or store your bank account, debit card, or credit card information in this app. Every payment, deposit, and subscription is processed securely through PayPal, and you enter your financial details only on PayPal's site.

Program rules by denomination

• General membership: $25 per week keeps your member account current.
• Weekly deposits: choose one of three denominations, $25, $50, or $75, and your deposit posts to your account each week on the schedule you select.
• Gift deposits: accepted in $25, $50, and $100 denominations through PayPal; each approved gift deposit is posted to your account.
• Public credit account: the weekly public access fee is $9.99, and your account opens with a 90-day trial period. Keep the access fee current to keep portal access active.
• Public credit package: each package carries $39,000 in credit over a 6-month term at 4.93% interest, as published in the public credit registry.
• Executive drafts: appointed executives may submit one draft of $25,000 per quarter, and each quarter requires at least $15,000 in confirmed organization spend before the draft can be approved.

Acceptable use

Use the portal lawfully and honestly. Do not attempt to access accounts that are not yours, submit false information, or interfere with the operation of the system. Activity that violates these terms may result in account suspension.

Closing your account

You may request to close your account at any time. Some records must be retained for legally required compliance periods. We may also close accounts that remain inactive or in violation of these terms, with notice to you where possible.

Our commitment to you

We operate under License No. C4-4024900 and follow BSA, SEC, and tax compliance requirements. We respond to member questions within 1–2 business days, keep your records secure, and treat every member fairly.

Contact and governing terms

These terms are governed by the member constitution and applicable law. Questions? Email info@keshiaservicesfinancialsystems.net, call (269) 238-0452, or visit 1121 Miller Rd, Kalamazoo, MI 49001.