The terms that apply when you use nkora.app and Nkora products.
In these Terms, "Nkora", "we", "us" and "our" refer to [REGISTERED COMPANY NAME], a company established in Kigali, Rwanda, registered under number [REGISTRATION NUMBER], with its registered address at [REGISTERED BUSINESS ADDRESS].
These Terms of Service ("Terms") govern your use of nkora.app and Nkora products, including Facturee, Maison Pro, MyNkap and MyNjangi (the "Services"). By using the Services, you agree to these Terms. If you do not agree, do not use the Services.
Individual products may have additional terms. Where they do, those terms apply together with these Terms.
Nkora provides digital tools that help users manage business, property, financial and community savings activities. Nkora is a technology provider. Unless expressly stated for a specific product, Nkora is not a bank, lender or financial institution, and does not hold user funds.
We may change, improve or discontinue features over time. We will aim to give reasonable notice of significant changes.
You are responsible for providing accurate information, keeping your login details confidential, and all activity that takes place under your account. Contact us promptly at contact@nkora.app if you believe your account has been accessed without permission.
You agree not to:
You keep ownership of the information and records you enter into the Services. You give Nkora permission to store and process them only as needed to provide and improve the Services, as described in our Privacy Policy.
You are responsible for the accuracy of the records you create, including invoices, receipts and financial entries, and for meeting any legal, tax or accounting obligations that apply to your activities.
Some Services or features may be offered for a fee. Applicable prices, billing periods and payment methods will be shown before you are charged. [PRICING, BILLING AND REFUND TERMS]
Payments made through third-party payment providers are also subject to those providers' terms.
The Services may connect to third-party services such as payment providers or messaging platforms. Nkora is not responsible for third-party services, and your use of them is subject to their own terms and policies.
The Services, including their software, design, names and logos, belong to Nkora or its licensors. These Terms do not give you any rights to Nkora's trademarks or intellectual property other than the right to use the Services as permitted here.
We work to keep the Services available and reliable, but we cannot guarantee uninterrupted or error-free operation. Maintenance, network issues or events outside our control may affect availability.
To the extent permitted by applicable law, the Services are provided "as is" and "as available", and Nkora is not liable for indirect, incidental or consequential losses arising from your use of the Services. Nothing in these Terms limits liability that cannot be limited under applicable law.
[LIABILITY CAP AND ADDITIONAL DISCLAIMERS, TO BE REVIEWED BY LEGAL COUNSEL]
You may stop using the Services at any time. We may suspend or close accounts that violate these Terms or create risk for other users or for Nkora. Where appropriate, we will give notice and an opportunity to export your records.
These Terms are governed by the laws of [GOVERNING LAW JURISDICTION]. Disputes will be handled by [COMPETENT COURTS OR DISPUTE RESOLUTION PROCESS].
We may update these Terms from time to time. When we do, we will change the "Last updated" date above and, where the changes are significant, inform users through the Services. Continued use of the Services after changes take effect means you accept the updated Terms.
[REGISTERED COMPANY NAME]
[REGISTERED BUSINESS ADDRESS]
Kigali, Rwanda
Email: contact@nkora.app