Creator Agreement

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

These Vendor Terms (“Vendor Terms”) govern your use of the Kinu platform as a vendor, creator, publisher, seller, or merchant of digital products and form a binding agreement between you and [Kinu Africa Limited], a company incorporated under the laws of [Tanzania / insert jurisdiction], with registered office at [insert address] (“Kinu”, “we”, “us”, or “our”).

These Vendor Terms must be read together with the Kinu Terms of Use, Affiliate Terms, Refunds and Chargebacks Policy, Privacy Notice, and any product-specific, payout-specific, or compliance-specific rules published by Kinu from time to time. If there is any conflict, these Vendor Terms prevail for vendor participation.

By registering as a vendor, listing a product, using Kinu checkout or affiliate tools, accepting a payout, or otherwise using Kinu as a vendor, you agree to be bound by these Vendor Terms.

1. Purpose of the Platform

Kinu operates a digital commerce and affiliate platform through which vendors may list and sell eligible digital products and may authorize approved affiliates to promote those products for commission.

Kinu provides platform infrastructure, affiliate tracking, attribution tools, payout support, fraud controls, customer communication tools, and related services. Unless Kinu expressly states otherwise in writing for a specific product or transaction, you remain the seller of record for your products and remain primarily responsible for your products, your customers, your claims, your compliance, and your refund obligations.

2. Eligibility

You may use Kinu as a vendor only if:

• you are at least 18 years old and legally capable of entering binding contracts;
• if you act for a company or other entity, you have authority to bind that entity;
• you provide accurate, current, and complete registration and compliance information;
• you satisfy KYC, KYB, beneficial ownership, tax, sanctions, and fraud checks required by Kinu or its service providers; and
• you are not prohibited by law, sanctions, regulation, or Kinu policy from using the platform.

Kinu may accept, reject, suspend, or condition vendor access in its sole discretion.

3. Vendor Account

You must create and maintain a vendor account with accurate information, including:

• legal name or registered business name;
• country of incorporation or residence;
• contact person and support details;
• payout details, including bank, wallet, or mobile money information;
• tax information where requested;
• beneficial ownership details where requested; and
• product and business information necessary for onboarding and risk review.

You are responsible for all activity on your account and for safeguarding your credentials. You must notify Kinu immediately if you suspect unauthorized access, business impersonation, compromised payout details, or other account security issues.

4. Electronic Contracting and Records

You agree that:

• your acceptance of these Vendor Terms may be made electronically;
• product listings, dashboard entries, campaign settings, payout instructions, and support messages may create binding obligations where accepted or acted upon through the platform;
• Kinu’s electronic records, logs, timestamps, clickstream records, order records, customer communications, and payout records may be relied on as evidence of transactions and instructions; and
• notices and communications may be sent electronically, including by email, dashboard notice, SMS, or other supported channels.

5. Nature of Your Appointment of Kinu

You appoint Kinu, on a non-exclusive basis, to provide platform services in connection with the listing, promotion, sale, administration, and settlement support of your digital products.

Unless Kinu expressly states otherwise in writing for a particular transaction, Kinu is not:

• your employer;
• your general agent;
• your partner or joint venture partner;
• your fiduciary;
• your distributor of record; or
• your issuer of electronic money or licensed banking service.

Kinu may facilitate payment collection, payout routing, refund administration, reserve management, and chargeback handling through third-party payment providers or other approved structures without becoming the legal creator, author, or substantive provider of your product.

6. Approved Products and Listing Rights

You may list only products that Kinu approves or permits under its current product rules.

Unless Kinu expressly approves otherwise in writing, the platform is intended primarily for digital products, including courses, memberships, software, templates, prompts, downloadable files, digital subscriptions, and other non-physical digital deliverables.

You must not list any product that is:

• unlawful in any relevant jurisdiction;
• infringing, pirated, or counterfeit;
• deceptive, abusive, or likely to cause consumer harm;
• pornographic, exploitative, hateful, or violent;
• a prohibited financial, lending, investment, savings, insurance, or payment product without all required licences;
• a regulated medical or therapeutic offer making unlawful claims;
• designed to facilitate fraud, hacking, or unlawful conduct; or
• otherwise prohibited by Kinu policy.

Kinu may reject, suspend, delist, or remove any product or campaign at any time where reasonably necessary for legal, regulatory, risk, quality, reputational, or commercial reasons.

7. Your Core Responsibilities as Vendor

You are solely responsible for:

• creating, owning, licensing, or otherwise having the legal right to sell your products;
• ensuring your product descriptions, claims, pricing, bonuses, and disclosures are truthful and lawful;
• delivering purchased products promptly and correctly;
• granting access credentials, downloads, or subscription access as promised;
• providing customer support for your products;
• maintaining a lawful refund position and honoring refunds required by law or platform policy;
• tax treatment, invoicing, and tax remittance, except to the extent Kinu expressly handles a specific tax obligation; and
• compliance with all laws, rules, and regulations applicable to your products, your advertising, your customers, and your business.

You remain solely responsible for your product even where affiliates promote it.

8. Product Pages, Offers, and Customer-Facing Statements

For each product you list, you must provide accurate and complete information, including where applicable:

• product name and description;
• price and billing terms;
• whether the offer is one-time, recurring, installment-based, or subscription-based;
• material product features and limitations;
• support contact details;
• refund terms;
• access or delivery details;
• required disclosures; and
• any material restrictions, eligibility conditions, or ongoing obligations.

You must not use hidden terms, misleading scarcity, fake countdowns, false testimonials, fabricated social proof, deceptive “free” claims, or any other misleading sales technique.

9. Pricing, Currency, and Taxes

You are responsible for setting your product pricing, subject to Kinu platform rules.

For domestic Tanzania transactions, you must price and accept payment in Tanzanian Shillings (TZS) unless a lawful exception applies. For cross-border transactions, Kinu may support other currencies where legally and operationally permitted.

You are solely responsible for determining and complying with all tax obligations arising from your use of Kinu, including VAT, withholding, income tax, digital service tax, or any similar tax or levy, unless Kinu expressly agrees in writing to handle a specific tax function.

Kinu may deduct, withhold, report, freeze, or remit amounts where required by law, court order, regulatory direction, payment-provider rule, or tax authority instruction.

10. Payment Processing and Settlement

Kinu may integrate with licensed third-party payment processors, aggregators, mobile money operators, banks, or other payment partners.

You acknowledge and agree that:

• payment processing may be provided by third parties under separate terms;
• you may be required to complete separate onboarding with a payment partner;
• settlement timing may depend on payment method, bank cutoffs, public holidays, fraud review, currency conversion, and third-party performance;
• Kinu does not guarantee uninterrupted availability of any payment method or corridor; and
• Kinu may suspend, reroute, delay, or decline transactions where reasonably required by risk, legal, regulatory, or operational considerations.

Nothing in these Vendor Terms authorizes you to present Kinu as a bank, deposit-taking institution, or electronic money issuer.

11. Platform Fees

Kinu may charge one or more fees in connection with your use of the platform, including:

• transaction or platform fees;
• subscription fees;
• chargeback administration fees;
• payout fees;
• reserve or risk-related adjustments;
• dispute handling fees; or
• any other fee disclosed in your commercial terms, pricing page, dashboard, or separate written arrangement.

Kinu may deduct platform fees and other lawfully due amounts from gross collections, reserve balances, or future settlements.

12. Affiliates and Campaign Controls

Kinu may allow affiliates to promote your products under campaign terms you configure or accept through the platform.

You may set campaign rules, including:

• commission rate;
• attribution window;
• approved channels;
• prohibited keywords;
• territorial restrictions;
• refund lookback;
• recurring commission rules; and
• creative restrictions.

However, Kinu may override, suspend, or limit campaign settings where necessary for compliance, fraud prevention, consumer protection, or platform integrity.

You must not collude with affiliates to generate fake orders, self-referrals, misleading claims, or manipulated attribution.

13. Affiliate Commissions

You authorize Kinu to calculate, hold, approve, reverse, offset, or pay affiliate commissions in accordance with Kinu’s attribution records, campaign rules, refund rules, reserve rules, and fraud controls.

You acknowledge and agree that:

• commissions may remain pending until settlement, refund risk, and fraud review periods are satisfied;
• Kinu may reverse commissions connected with refunds, chargebacks, cancellations, fraud, self-referrals, invalid traffic, or policy violations;
• Kinu may establish reserve periods or delayed approval windows before commissions become payable; and
• your settlement balance may be reduced by affiliate commissions, reversals, reserve requirements, and platform fees.

14. Refunds, Complaints, Chargebacks, and Reversals

You must maintain clear refund terms for each product and respond to customer complaints promptly.

You remain primarily responsible for product refunds, except where Kinu chooses or is required to intervene for platform integrity, payment-provider compliance, consumer protection, or legal reasons.

Kinu may issue, process, require, or enforce a refund or payment reversal where:

• required by law;
• required by payment-provider rules;
• the product was not delivered;
• access failed and was not cured promptly;
• the product materially differed from its description;
• duplicate billing occurred;
• fraud or unauthorized payment is suspected; or
• the vendor is unresponsive or under suspension.

Kinu may debit, reverse, or offset from your current or future balances any amount connected to:

• refunds;
• chargebacks;
• payment reversals;
• fraud losses;
• scheme penalties;
• dispute handling costs; or
• related legal or processor costs.

15. Reserves, Holds, and Risk Controls

Kinu may establish rolling reserves, minimum reserve balances, payout delays, temporary freezes, or other risk controls for your account, products, or transaction classes where reasonably necessary due to:

• refund risk;
• chargeback risk;
• fraud risk;
• suspicious traffic or conversion patterns;
• cross-border settlement exposure;
• incomplete KYC or KYB;
• regulatory concerns;
• customer complaint patterns; or
• payment-provider requirements.

Kinu does not guarantee instant withdrawal of all collections or same-day settlement.

16. Vendor Content and Intellectual Property

You retain ownership of the content you lawfully provide to Kinu, including your product descriptions, creatives, logos, screenshots, course materials, files, and support content (“Vendor Content”).

You grant Kinu a non-exclusive, worldwide, royalty-free licence to host, reproduce, format, display, distribute, transmit, market, and otherwise use Vendor Content as reasonably necessary to:

• operate the platform;
• display and sell your products;
• enable affiliate promotion;
• process customer purchases and support requests;
• administer refunds, disputes, and compliance;
• conduct fraud detection; and
• comply with legal or regulatory obligations.

You represent and warrant that you have all rights necessary for the Vendor Content and that it does not infringe any third-party rights.

17. Use of Kinu Branding

You may not use Kinu’s name, branding, marks, logos, or trade dress except as expressly permitted in writing or through approved brand assets.

You must not imply that Kinu endorses your product, guarantees your claims, or is the substantive creator or sponsor of your offer unless Kinu has expressly authorized that statement in writing.

18. Advertising and Marketing Compliance

You are responsible for your own advertising and for the claims used by affiliates you approve, to the extent your product, creative packs, scripts, or instructions caused or encouraged those claims.

You represent, warrant, and undertake that:

• all marketing related to your product is truthful, clear, and not misleading;
• all material information is presented clearly and prominently;
• any earnings, performance, health, or outcome claims are lawful and substantiated;
• testimonials and endorsements are genuine, lawfully obtained, and not misleading;
• you do not use deceptive scarcity, false urgency, or fake authority;
• you do not use spam, malware, spyware, deceptive redirects, or forced clicks; and
• all marketing complies with applicable law and platform rules.

19. Customer Support and Service Standards

You must provide timely customer support through the support channels disclosed at checkout or in post-purchase communications.

You must respond within reasonable timeframes to:

• access complaints;
• billing issues;
• refund requests;
• product defect reports;
• cancellation requests for recurring products; and
• requests for clarification of product terms.

Kinu may set minimum support expectations and may suspend or remove vendors who repeatedly fail to support customers adequately.

20. Recurring Billing and Subscription Products

If you offer subscriptions, continuity programs, memberships, recurring software access, installment plans, or other recurring billing products, you must clearly disclose before purchase:

• billing frequency;
• amount charged each cycle;
• trial terms, if any;
• how cancellation works;
• when the first recurring charge will occur; and
• any minimum commitment period.

You must ensure lawful cancellation handling and must not use hidden continuity or negative-option practices that are unlawful or misleading.

21. Data Protection and Privacy

You must comply with all applicable data protection and privacy laws in relation to any personal data you collect, receive, store, use, disclose, or otherwise process in connection with your products or your use of Kinu.

Without limitation:

• you must not collect or process personal data unlawfully or unfairly;
• you must provide any notices or disclosures required by law;
• you must only instruct Kinu to process personal data on a lawful basis;
• you must not upload unnecessary or excessive personal data;
• you must not upload sensitive personal data unless strictly necessary, lawful, and adequately protected;
• you must maintain a lawful privacy notice for your own customer-facing activities; and
• you must cooperate with Kinu regarding any data request, complaint, incident, or regulatory inquiry relating to your products or activity.

Where Kinu processes personal data on your behalf in the course of delivering platform services, the parties may be controller/processor, independent controller, or joint-controller parties depending on the relevant processing activity, and Kinu may require separate data processing terms where appropriate.

22. KYC, AML, Sanctions, and Compliance Cooperation

You must provide all compliance information reasonably requested by Kinu or its service providers, including information related to:

• identity;
• incorporation;
• directors and beneficial owners;
• bank or wallet ownership;
• source of funds;
• source of traffic;
• sanctions screening;
• suspicious transactions; and
• regulatory or tax status.

You must not:

• use nominees, false identities, or disguised ownership to use the platform;
• use Kinu for money laundering, terrorist financing, proliferation financing, sanctions evasion, or fraud;
• conceal chargeback patterns, prohibited products, or legal proceedings;
• redirect settlements to evade compliance review; or
• continue operating after a compliance suspension or freeze.

Kinu may suspend products, accounts, settlements, or payouts where legally required or reasonably necessary.

23. Prohibited Conduct

You must not:

• sell infringing, pirated, or counterfeit products;
• manipulate attribution or collude with affiliates to generate invalid commissions;
• purchase your own products through your own affiliate links;
• use deceptive pricing, fake discounts, or hidden upsells;
• engage in unfair, abusive, or unlawful commercial practices;
• interfere with platform security or integrity;
• scrape or misuse platform data;
• submit false information during onboarding or compliance review; or
• do anything likely to expose Kinu, its users, or payment partners to legal, financial, or reputational harm.

24. Representations and Warranties

You represent and warrant on an ongoing basis that:

• you have full power and authority to enter these Vendor Terms;
• your products, content, and business conduct are lawful;
• your product descriptions, claims, pricing, and disclosures are accurate and not misleading;
• you own or lawfully control the rights necessary to sell and market your products;
• your products do not infringe third-party intellectual property, privacy, publicity, contractual, or proprietary rights;
• your support, refund handling, and billing practices comply with applicable law; and
• all information you provide to Kinu is true, current, and complete.

25. Takedown and Rights Complaints

If Kinu receives a complaint alleging infringement, unlawful content, misleading claims, privacy violations, or other legal concerns relating to your product or content, Kinu may remove, disable, suspend, or restrict the affected content, product, listing, or account pending investigation.

You must respond promptly to Kinu requests for evidence of rights ownership, licence, substantiation, or lawful basis.

26. Suspension and Termination

Kinu may suspend, restrict, delist, or terminate your vendor account, product listings, settlement rights, campaign approvals, or access to any part of the platform if:

• you breach these Vendor Terms or any related policy;
• your product or conduct creates legal, regulatory, or fraud risk;
• you fail KYC, KYB, or sanctions checks;
• you have excessive refunds, chargebacks, or complaints;
• a regulator, payment provider, court, or law-enforcement agency requires action;
• your product becomes prohibited or high-risk; or
• Kinu reasonably believes continued access is unsafe for the platform or its users.

You may stop using the platform at any time, but termination does not remove liability for prior sales, refunds, chargebacks, reserves, investigations, or accrued fees.

27. Effect of Termination

Upon termination or suspension:

• your right to list and sell products through Kinu ends immediately unless Kinu states otherwise;
• you must stop using Kinu branding and any disabled campaign tools;
• Kinu may continue to host limited transactional records, support records, and compliance records as necessary;
• Kinu may continue to hold funds for a reasonable period to cover refunds, chargebacks, disputes, fraud losses, legal holds, taxes, or other outstanding obligations; and
• clauses which by their nature should survive termination shall survive.

28. Confidentiality

Each party must keep confidential all non-public business, technical, operational, and financial information received from the other in connection with the platform, including campaign economics, payout data, reserve rules, customer information, and internal compliance methods, except where disclosure is required by law or reasonably necessary for professional advisers under appropriate confidentiality duties.

29. Disclaimers

To the maximum extent permitted by law, Kinu provides the platform on an “as is” and “as available” basis.

Kinu does not guarantee:

• uninterrupted platform availability;
• uninterrupted availability of any payment or payout rail;
• any level of traffic, sales, or revenue;
• that any affiliate will successfully promote your product;
• that every payment will settle without dispute or reversal; or
• that use of the platform will produce any specific commercial result.

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

30. 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, data, goodwill, or business opportunity arising out of or in connection with these Vendor Terms or your use of the platform.

To the maximum extent permitted by law, Kinu’s aggregate liability arising out of or in connection with these Vendor Terms 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 does not apply to liability that cannot lawfully be excluded or limited.

31. Indemnity

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

• your products;
• your product claims, pricing, content, or conduct;
• your breach of these Vendor Terms;
• your violation of law or third-party rights;
• refunds, chargebacks, or fraud connected with your products;
• customer complaints caused by your acts or omissions; or
• tax liabilities arising from your product sales or conduct.

Kinu may set off indemnity amounts against any sums otherwise payable to you.

32. Changes to These Vendor Terms

Kinu may amend these Vendor Terms from time to time. Where changes are material, Kinu will give notice by email, dashboard notification, or other reasonable electronic means.

The amended terms take effect on the date specified in the notice. Continued use of the platform after that date constitutes acceptance of the revised Vendor Terms.

33. Governing Law

These Vendor Terms shall be governed by and construed in accordance with the laws of the United Republic of Tanzania.

34. Dispute Resolution

Before commencing formal proceedings, a party must first send written notice of the dispute and allow at least 14 days for good-faith 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, before a single arbitrator unless the complexity or amount in dispute reasonably requires three arbitrators. The language of arbitration shall be English.

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

35. Notices

Notices to Kinu must be sent to:

[Kinu Africa Limited]
[Physical Address]
[Legal Email Address]

Operational communications may be sent through the Kinu dashboard or to [support@kinu.africa].

36. General

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

No waiver by Kinu is effective unless in writing.

You may not assign these Vendor Terms without Kinu’s prior written consent. Kinu may assign them in connection with a restructuring, financing, merger, acquisition, or transfer of business.

These Vendor Terms, together with the incorporated policies and the Kinu Terms of Use, constitute the entire agreement between you and Kinu in relation to your participation as a vendor.