Terms of Use

Effective Date: 13 April, 2026
Last Updated: 13 April, 2026

These Terms of Use govern access to and use of the Kinu platform, website, applications, software, APIs, dashboards, checkout flows, affiliate tools, and related services made available by [Kinu Africa Limited], a company incorporated under the laws of [Tanzania / insert jurisdiction and registration number], with registered office at [insert address] (“Kinu”, “we”, “us”, or “our”).

By creating an account, clicking “I agree”, accessing, browsing, or using Kinu, you agree to be bound by these Terms and any policies, guidelines, or supplemental terms incorporated by reference. If you do not agree, do not use Kinu.

Where you use Kinu on behalf of a business or other entity, you represent that you have authority to bind that entity, and in that case “you” and “your” include both you and that entity.

1. About Kinu

Kinu is a digital commerce and affiliate platform that enables:

• creators, vendors, and publishers of digital products to list, promote, and sell lawful digital products;
• affiliates and marketers to promote eligible products using Kinu tracking and attribution tools; and
• customers to discover and purchase digital products from vendors.

Unless Kinu expressly states otherwise in writing for a specific transaction, Kinu is not the creator, manufacturer, owner, or primary seller of third-party digital products listed by vendors on the platform. Vendors remain responsible for their products, claims, fulfillment, customer support, refund terms, tax treatment, and legal compliance.

Kinu may provide platform infrastructure, transaction support, attribution tracking, payout support, fraud controls, communication tools, and limited payment collection or settlement support through licensed third-party payment providers.

2. Eligibility

You may use Kinu only if:

• you are at least 18 years old and legally capable of entering into binding contracts;
• you are not prohibited from using the platform under any applicable law or regulatory restriction;
• any information you provide is accurate, current, and complete; and
• where required by us, you complete identity, business, tax, banking, mobile money, or compliance verification to our satisfaction.

We may refuse registration, suspend onboarding, or require enhanced due diligence at any time.

3. Account Registration and Security

To access certain features, you must create an account. You agree to:

• keep your login credentials confidential;
• maintain accurate account, contact, payout, and tax information;
• promptly update any change to your legal name, business details, phone number, email, wallet number, bank account, or mobile money details; and
• notify us immediately if you suspect unauthorized use of your account.

You are responsible for all activity conducted through your account unless and to the extent caused by our own fault or security failure.

We may require two-factor authentication, device verification, KYC/KYB documents, source-of-funds information, beneficial ownership information, or any other compliance information reasonably required by us or our payment or regulatory partners.

4. User Roles

Users of Kinu may participate in one or more roles, including:

• Vendor: a user who lists or sells a digital product;
• Affiliate: a user who promotes a vendor’s product for commission;
• Customer: a user who purchases a product; and
• Agency / Team / Admin user: a user acting on behalf of another user or business account.

Additional role-specific obligations may apply under separate Vendor Terms, Affiliate Terms, campaign rules, or product-specific conditions. In the event of conflict, the more specific terms govern for that role or transaction.

5. Electronic Contracting and Communications

You agree that:

• contracts, disclosures, notices, statements, receipts, acknowledgements, and records may be provided electronically;
• your use of the platform, including clicking acceptance buttons or completing checkout, constitutes electronic acceptance;
• electronic records and logs maintained by Kinu or its authorized service providers may be used as evidence of transactions, consents, instructions, and platform activity; and
• we may contact you by email, SMS, WhatsApp, in-app notification, dashboard notice, or other electronic means regarding your account or use of the platform.

You are responsible for maintaining an active and monitored email address and phone number.

6. Permitted Use

You may use Kinu only for lawful business or consumer purposes connected with legitimate digital commerce and affiliate marketing.

You must not:

• use Kinu for unlawful, fraudulent, deceptive, abusive, or misleading purposes;
• impersonate any person or entity;
• create fake accounts, shell vendor accounts, or nominee affiliate accounts to evade our controls;
• self-deal, self-refer, or route purchases through your own affiliate link or a related-party account in a manner prohibited by us;
• use stolen cards, stolen identities, synthetic identities, or unauthorized payment instruments;
• interfere with, disrupt, reverse engineer, scrape, or probe the platform;
• upload malware, harmful code, or malicious scripts;
• use bots or automation except as expressly authorized by us;
• misrepresent earnings, product functionality, product outcomes, refunds, scarcity, endorsements, or testimonials;
• send spam or unlawful marketing communications, including unsolicited bulk email, SMS, or messaging app promotions;
• infringe any intellectual property, privacy, publicity, or data protection rights; or
• use Kinu in a way that may expose us, our users, or our payment partners to legal, regulatory, reputational, or financial harm.

7. Restricted Products and Activities

Kinu may prohibit or restrict categories of products, offers, claims, and campaigns in its discretion.

Without limiting our rights, you must not list, promote, or sell through Kinu any product or service that is:

• unlawful in any relevant jurisdiction;
• infringing, pirated, or counterfeit;
• deceptive, abusive, or likely to generate consumer harm;
• pornographic, exploitative, or abusive;
• related to weapons, illegal drugs, unlawful gambling, money laundering, terrorism, or sanctions evasion;
• a regulated financial product, investment, lending, insurance, or savings scheme without all required licences and approvals;
• a medical, health, weight-loss, or therapeutic offer making unlawful or unsubstantiated claims;
• a product targeted at children in a way that breaches applicable law; or
• otherwise designated by Kinu as restricted.

Kinu may remove or reject any product, campaign, account, landing page, or payout request without prior notice where we consider it non-compliant or high-risk.

8. Vendor Responsibilities

Each vendor is solely responsible for:

• the legality, accuracy, quality, safety, and fitness of its products;
• all product descriptions, claims, sales copy, bonuses, testimonials, and disclosures;
• fulfillment, delivery, access credentials, download access, updates, and support;
• customer service, complaint handling, and refund obligations;
• tax invoicing, tax reporting, and remittance, except to the extent expressly handled by Kinu or a licensed payment provider; and
• compliance with consumer, advertising, competition, intellectual property, data protection, payment, and other applicable laws.

A vendor must not list a product unless it has all rights, licences, consents, and permissions required for the product and related materials.

9. Affiliate Responsibilities

Each affiliate is solely responsible for:

• the lawfulness and accuracy of its marketing;
• compliance with campaign rules set by the vendor or Kinu;
• disclosure of affiliate relationships where required by law or advertising standards;
• compliance with anti-spam and electronic communications laws;
• compliance with platform, social media, search engine, and ad network rules; and
• ensuring that any promotional claims are truthful, substantiated, and consistent with the vendor’s authorized materials.

An affiliate must not:

• use misleading headlines or deceptive funnels;
• bid on restricted keywords or impersonate the vendor’s brand where prohibited;
• make income claims, health claims, or guarantees unless expressly authorized and lawfully substantiated;
• use coupon hijacking, cookie stuffing, forced clicks, misleading redirects, adware, spyware, trademark abuse, or other unfair attribution tactics; or
• generate fake traffic, incentivized traffic, or purchases designed only to trigger commissions.

10. Customers and Product Purchases

When a customer purchases a product listed by a vendor:

• the purchase contract is primarily between the customer and the vendor, unless Kinu expressly states otherwise;
• the vendor is responsible for the product, fulfillment, support, and product-specific representations;
• the customer must review the applicable sales page, order terms, refund terms, and product disclosures before purchase; and
• Kinu may facilitate checkout, payment routing, confirmation, dispute administration, and communications relating to the purchase.

Kinu is not responsible for verifying every statement made by vendors or affiliates, though we reserve the right to investigate and act where concerns arise.

11. Pricing, Fees, Currencies, and Taxes

Product prices, platform fees, commission rates, reserve percentages, payout charges, gateway fees, and other charges may be stated on the platform, in campaign settings, in separate pricing pages, or in supplemental commercial terms.

Unless otherwise stated:

• fees charged by Kinu are exclusive of applicable taxes;
• you are responsible for your own taxes, levies, duties, withholding obligations, and filings arising from your use of Kinu or your sale or promotion of products;
• Kinu may deduct, withhold, set off, or remit amounts where required by law, regulation, court order, payment-provider rule, or tax authority direction; and
• exchange rates, cross-border charges, mobile money fees, bank fees, and payout conversion costs may affect the amount ultimately received.

Kinu may display or settle transactions in one or more currencies, including local currencies, depending on product settings, user location, payment method, and payment partner capabilities.

12. Payment Processing

Kinu may integrate with one or more licensed third-party payment service providers, aggregators, banks, mobile money operators, or settlement partners.

By using Kinu, you acknowledge and agree that:

• payment services may be provided by third parties under their own terms and compliance requirements;
• you may be required to create or maintain a merchant, settlement, wallet, or payout account with such third parties;
• Kinu may share transaction, identity, device, fraud, and account information with such providers as reasonably necessary for onboarding, payment processing, compliance, settlement, fraud prevention, dispute handling, or regulatory reporting;
• Kinu does not guarantee uninterrupted availability of any specific payment method, mobile money rail, bank rail, or processor; and
• Kinu may suspend, limit, reroute, or decline transactions where required by risk, compliance, technical, or regulatory considerations.

Nothing in these Terms authorizes any user to treat Kinu as a bank, deposit-taking institution, insurer, or issuer of electronic money unless Kinu expressly states otherwise in writing and all applicable licences are in place.

13. Commissions, Attribution, Holds, Reversals, and Payouts

13.1 Attribution

Affiliate commissions are earned only where Kinu records a valid attribution event under the applicable campaign rules. Kinu’s records on clicks, cookies, referral IDs, links, timestamps, devices, and checkout attribution shall be prima facie evidence of attribution.

We may decline or adjust attribution where traffic or transactions are suspicious, duplicated, manipulated, or non-compliant.

13.2 Commission Status

A commission is not final or withdrawable until it becomes approved in the platform. Kinu may mark commissions as pending, approved, reversed, withheld, disputed, or void.

13.3 Grounds for Hold or Reversal

Kinu may withhold, delay, offset, reverse, or claw back commissions or payouts where any of the following occurs or is reasonably suspected:

• chargeback, reversal, refund, failed collection, or failed settlement;
• fraud, unauthorized transaction, self-referral, collusion, fake traffic, or abuse;
• violation of campaign rules, platform policies, or law;
• product misrepresentation, consumer complaint pattern, or compliance concern;
• incomplete KYC/KYB or unresolved verification issue;
• tax, court, regulatory, or law-enforcement hold;
• technical error, duplicate credit, or manifest miscalculation; or
• reserve requirements imposed by Kinu or a payment partner.

13.4 Reserves

Kinu may establish rolling reserves, minimum balances, delayed payout schedules, or security holds for any account, product, vendor, affiliate, corridor, or transaction class based on risk.

13.5 Payouts

Payouts may be made by bank transfer, mobile money, wallet transfer, or other supported methods. Payout timing is indicative only and may depend on settlement cycles, compliance checks, public holidays, bank cutoffs, foreign exchange processing, third-party processor performance, and fraud review.

Kinu may require a minimum payout threshold.

13.6 No Guarantee of Immediate Availability

Kinu does not guarantee instant availability of commissions or instant withdrawal of funds.

14. Refunds, Chargebacks, and Complaints

Unless Kinu expressly states otherwise for a specific product or transaction:

• the vendor remains primarily responsible for its refund policy and customer support;
• Kinu may, in its discretion, assist in processing refunds, mediating complaints, or administering chargebacks;
• where a product is refunded or charged back, related commissions may be reversed; and
• Kinu may resolve disputes in a manner reasonably intended to protect consumers, the platform, payment partners, and platform integrity.

Users must cooperate fully with any investigation into refunds, disputes, chargebacks, fraud alerts, or consumer complaints.

15. Compliance, KYC, AML, and Sanctions

To protect the integrity of the platform, Kinu may conduct compliance checks, screenings, investigations, monitoring, and enhanced due diligence.

You agree to provide any information reasonably requested for:

• identity verification;
• business verification;
• beneficial ownership verification;
• source-of-funds or source-of-wealth inquiries;
• tax status verification;
• sanctions, watchlist, politically exposed person, or adverse media screening; and
• anti-fraud and anti-money laundering controls.

We may refuse onboarding, block transactions, suspend payouts, freeze balances, or terminate accounts where we suspect fraud, money laundering, sanctions exposure, terrorist financing, identity abuse, synthetic identity activity, or other prohibited conduct.

16. Intellectual Property

Kinu and its licensors own all rights, title, and interest in and to the platform, including software, dashboards, branding, trademarks, logos, text, designs, workflows, interfaces, and proprietary content, excluding user content and third-party materials.

Subject to these Terms, Kinu grants you a limited, revocable, non-exclusive, non-transferable right to access and use the platform for its intended purposes.

You must not copy, scrape, reverse engineer, distribute, publicly display, sublicense, or exploit any part of the platform except as expressly permitted by us in writing.

17. User Content and Licence

You retain ownership of content you lawfully upload or submit to Kinu, including product descriptions, creatives, logos, files, landing pages, support materials, and account content (“User Content”).

You grant Kinu a non-exclusive, worldwide, royalty-free licence, during the period your content is hosted on or used through the platform and to the extent reasonably necessary thereafter for compliance, audit, backup, dispute handling, or legal retention, to host, store, reproduce, format, display, transmit, distribute, and otherwise process User Content for the purposes of:

• operating and improving the platform;
• displaying listings and campaigns;
• processing transactions and payouts;
• administering complaints, disputes, fraud review, and compliance;
• communicating with users; and
• enforcing these Terms.

You represent and warrant that you have all rights and permissions necessary for the User Content and that it does not infringe any third-party rights or violate any law.

18. Takedown and Infringement Complaints

If you believe content on Kinu infringes your copyright, trademark, or other lawful rights, you may send a written complaint to [legal@kinu.africa] containing:

• your full name and contact details;
• identification of the right allegedly infringed;
• identification of the material complained of;
• the basis of your claim;
• any supporting documents or registrations; and
• a statement that the information provided is true and made in good faith.

Kinu may remove, disable, restrict, or investigate content upon receipt of a complaint or on its own initiative. Kinu may also request counter-notices or supporting evidence before restoring any content.

19. Privacy and Data Protection

Kinu’s collection and processing of personal data is governed by its Privacy Notice, which forms part of these Terms.

Without limiting the Privacy Notice:

• Kinu will process personal data for account administration, platform operation, payment support, fraud prevention, compliance, communications, analytics, product improvement, and legal obligations;
• you must only provide personal data to Kinu where you have a lawful basis and any necessary notices or consents;
• you must not upload unlawful or unnecessary personal data, including special or sensitive categories of personal data, except where strictly necessary, lawfully permitted, and adequately protected;
• where required by applicable law, cross-border transfers of personal data may be subject to additional safeguards, contractual measures, approvals, or permits; and
• you remain responsible for personal data you collect or process independently as a vendor or affiliate.

20. Confidentiality

You must keep confidential any non-public information obtained through Kinu, including account data, platform analytics, payout data, private campaign data, customer lists, vendor information, or technical information, except where disclosure is required by law or expressly authorized.

This clause does not apply to information that is public through no fault of yours or lawfully obtained from another source without breach of confidence.

21. Third-Party Services

Kinu may integrate or interoperate with third-party services, including payment processors, mobile money operators, banks, messaging services, social media platforms, hosting providers, analytics tools, anti-fraud vendors, identity verification providers, tax tools, and advertising platforms.

We do not control all third-party services and do not warrant their availability, legality, or performance. Your use of third-party services may be governed by separate terms between you and those providers.

22. Platform Availability and Changes

We may modify, suspend, or discontinue any part of Kinu at any time, including features, integrations, pricing, payout methods, campaign structures, and user interfaces.

While we aim for reasonable availability, we do not guarantee uninterrupted or error-free service. Scheduled maintenance, emergency maintenance, settlement interruptions, telecom downtime, mobile money downtime, bank failures, internet outages, force majeure events, and third-party disruptions may affect the platform.

23. Suspension and Termination

We may, with or without notice where reasonably necessary, suspend, restrict, freeze, or terminate your account or access to the platform if:

• you breach these Terms or any related policy;
• we suspect fraud, abuse, illegal activity, or elevated compliance risk;
• a regulator, court, payment provider, or law-enforcement agency so requires;
• you fail to complete verification or provide requested information;
• your account is dormant for an extended period; or
• your continued use may expose Kinu or other users to risk.

On termination, we may retain or withhold balances for a reasonable period to cover refunds, disputes, chargebacks, investigations, reserves, tax issues, or legal obligations.

Termination does not affect accrued rights, liabilities, or obligations that by nature survive termination.

24. Disclaimers

Kinu is provided on an “as is” and “as available” basis to the maximum extent permitted by law.

To the maximum extent permitted by applicable law, Kinu disclaims all implied warranties, including implied warranties of merchantability, fitness for a particular purpose, non-infringement, and uninterrupted availability.

Kinu does not warrant that:

• the platform will always be available, secure, or error-free;
• any product listed by a vendor is lawful, accurate, safe, effective, or fit for purpose;
• any affiliate campaign will generate traffic, leads, or income;
• any user will achieve any revenue, profit, or business outcome; or
• any payment method, payout method, or settlement corridor will always remain available.

Nothing in these Terms excludes any right or remedy that cannot lawfully be excluded.

25. Limitation of Liability

To the maximum extent permitted by law, Kinu shall not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages, or for any loss of profit, revenue, goodwill, data, opportunity, reputation, or anticipated savings.

To the maximum extent permitted by law, Kinu’s aggregate liability arising out of or in connection with these Terms or the platform shall not exceed the greater of:

• the total platform fees paid by you to Kinu in the six (6) months preceding the event giving rise to the claim; or
• TZS [insert cap].

This limitation does not apply to liability that cannot lawfully be limited or excluded, including liability arising from fraud or wilful misconduct to the extent such limitation is prohibited by applicable law.

26. Indemnity

You agree to indemnify and hold harmless Kinu, its affiliates, officers, directors, employees, agents, and service providers from and against any claims, losses, damages, liabilities, penalties, fines, costs, and expenses, including reasonable legal fees, arising out of or relating to:

• your breach of these Terms;
• your products, campaigns, content, or conduct;
• your violation of law or third-party rights;
• any tax claim arising from your activities;
• any refund, chargeback, or consumer complaint caused by your acts or omissions; or
• your misuse of the platform.

27. Changes to These Terms

We may amend these Terms from time to time. Where changes are material, we will give notice by posting the revised Terms on the platform, updating the “Last Updated” date, sending an email, displaying an in-product notice, or by other reasonable electronic means.

The revised Terms take effect on the stated effective date. Continued use of Kinu after that date constitutes acceptance of the revised Terms.

28. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United Republic of Tanzania, excluding conflict of laws rules.

29. Dispute Resolution

Before commencing formal proceedings, a party shall first give written notice of the dispute and allow at least 14 days for good-faith business resolution.

If the dispute is not resolved, it shall be referred to arbitration in Dar es Salaam, Tanzania, in accordance with the Arbitration Act, 2020 and any applicable rules agreed by the parties or, failing agreement, as determined by the tribunal.

The arbitration shall be conducted in English, before one arbitrator unless the amount or complexity reasonably requires three arbitrators.

Nothing in this clause prevents either party from seeking urgent interim, conservatory, or injunctive relief from a court of competent jurisdiction.

30. Notices

Notices to Kinu must be sent to:

Kinu Africa 
DermPalza, Kijitonyama - Dar es Salaam, Tanzania
legal@kinu.africa

Notices from Kinu to you may be given by email, dashboard notification, SMS, WhatsApp, or by posting on the platform, where legally permissible.

31. General

If any provision of these Terms is held invalid or unenforceable, the remaining provisions remain in full force to the maximum extent permitted by law.

Our failure to enforce any provision is not a waiver.

You may not assign your rights or obligations under these Terms without our prior written consent. We may assign or transfer these Terms in connection with a restructuring, financing, acquisition, or transfer of business.

These Terms, together with any incorporated policies and any applicable Vendor Terms or Affiliate Terms, constitute the entire agreement between you and Kinu regarding the platform.