Terms of Use

Kairo Personal provides you with a digital wallet in accordance with applicable Central Bank of Nigeria regulations. Funds held in your Kairo wallet are subject to applicable banking and e-money regulations.

You may use Kairo Personal to send and receive money, pay bills, and make purchases by communicating your instructions via WhatsApp, voice, chat, or other supported channels. You are responsible for the accuracy of the instructions you provide — including recipient details, amounts, and payment references — and Kairo is not liable for funds sent to an incorrect recipient as a result of inaccurate information you provided.

Kairo will, wherever reasonably possible, present a summary of your intended transaction (recipient, amount, and source) for your confirmation before the transaction is executed. By confirming — whether by tapping a button, replying “yes,” or other affirmative action — you authorize Kairo to execute that transaction.

Your wallet may be subject to transaction and balance limits based on your verification tier (e.g., BVN-verified status), as required by applicable CBN tiered KYC regulations. These limits may change from time to time and will be communicated to you through the Services.

From time to time, Kairo may provide promotional credits, welcome bonuses, or referral rewards (such as airtime or wallet credit) subject to specific terms communicated at the time of the offer, including expiry periods. Kairo reserves the right to reclaim or void promotional credits obtained fraudulently or in violation of these Terms.

Kairo Business provides a business wallet, invoicing tools, a storefront, and related features to help you collect payments and operate your business through WhatsApp and the Kairo web dashboard. Your business wallet is subject to the same regulatory framework applicable to Kairo Personal wallet services.

You are solely responsible for the accuracy, legality, and appropriateness of all content you upload to your Kairo storefront, including product listings, descriptions, prices, and images. You represent that you have the right to sell the products or services you list, and that your listings do not infringe any third party's intellectual property or violate applicable law.

You are responsible for ensuring that invoices you send through Kairo accurately reflect the goods or services provided and the amounts owed. Kairo facilitates the transmission and payment of invoices but is not a party to the underlying transaction between you and your customer, and is not responsible for disputes regarding the quality, delivery, or fitness of goods or services sold.

If you enable Kairo's AI-powered auto-responder to handle customer inquiries on your behalf, you acknowledge that responses are generated by an automated system based on information you provide (such as your storefront catalogue and business details). You are responsible for reviewing and ensuring the accuracy of the information used to power these responses, and Kairo is not liable for losses arising from inaccurate information you provided to the system.

Kairo Business offers tiered plans (including a free Starter tier and paid Growth tier) as described on our pricing page. Paid subscriptions are billed in advance on a recurring basis and will automatically renew unless cancelled prior to the renewal date. Transaction fees applicable to your plan are disclosed at the time of each transaction or in your account settings.

Where you upload customer contact lists or other customer data to Kairo Business, you represent that you have the necessary rights and consents to share that data with Kairo for the purposes of providing the Services (including sending promotions and invoices on your behalf), in compliance with applicable data protection law.

Access to and use of Kairo Enterprise products (including Reconcile, Fraud, Support, Flow, Relay, Insight, and Risk) by a financial institution or other licensed entity (“Enterprise Client”) is governed primarily by a separate Master Services Agreement (“MSA”) and accompanying Data Processing Agreement (“DPA”) entered into between Kairo and the Enterprise Client. These Terms apply to the extent not superseded by the specific provisions of the applicable MSA.

Subject to the MSA and payment of applicable fees, Kairo grants the Enterprise Client a non-exclusive, non-transferable license to access and use the contracted Kairo Enterprise products for the Enterprise Client's internal business operations, for the duration of the applicable subscription term.

Enterprise Clients accessing Kairo's products via API are responsible for the security of their own API credentials and for ensuring their integration complies with any technical and security requirements specified by Kairo. Kairo reserves the right to suspend API access that poses a security risk or violates rate limits or usage terms specified in the applicable MSA.

Where Kairo processes data on behalf of an Enterprise Client relating to that client's own customers, Kairo acts as a data processor under the client's instructions, as set out in the applicable DPA. The Enterprise Client remains the data controller responsible for ensuring it has appropriate legal basis to share such data with Kairo.

Specific service level commitments (including uptime, response times, and support availability) applicable to Enterprise Clients are set out in the applicable MSA or a separate Service Level Agreement (SLA), and are not modified by these general Terms.

Where Kairo and an Enterprise Client agree to a pilot or trial period, the terms of that pilot (including duration, scope, and any special pricing) will be set out in a separate pilot agreement or order form, which will govern in the event of any conflict with these Terms.

The Services are provided on an “as is” and “as available” basis. To the maximum extent permitted by applicable law, Kairo disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. Kairo does not warrant that the Services will be uninterrupted, error-free, or completely secure.

To the maximum extent permitted by applicable law, Kairo's total liability to you for any claim arising out of or relating to these Terms or the Services shall not exceed the fees you paid to Kairo in the twelve (12) months preceding the claim. Kairo shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or goodwill.

Kairo is not liable for losses arising from unauthorized access to your account resulting from your failure to safeguard your account credentials, device, or WhatsApp account, except where such access results from Kairo's own negligence or breach of these Terms.

You may stop using the Services and close your account at any time by contacting Kairo support, subject to settlement of any outstanding obligations (including outstanding Kairo Business subscription fees or unresolved transaction disputes).

Kairo may suspend or terminate your access to the Services, with or without notice, where:

• You violate these Terms, including the Prohibited Uses in Section 8
• Kairo reasonably suspects fraudulent, illegal, or unauthorized activity on your account
• Required to do so by a regulator, court order, or applicable law
• Your identity verification cannot be confirmed or is found to be inaccurate
• For Kairo Business: non-payment of subscription fees beyond an applicable grace period
• For Kairo Enterprise: as set out in the applicable Master Services Agreement

Upon termination, your right to access the Services will cease. Kairo will facilitate the withdrawal of any remaining wallet balance to a verified bank account, subject to completion of any pending fraud or compliance review, and subject to applicable regulatory requirements. Provisions of these Terms that by their nature should survive termination (including Sections 10, 12, 13, and 15) will continue to apply.

These Terms are governed by and construed in accordance with the laws of the Federal Republic of Nigeria, without regard to its conflict of law principles.

Before initiating any formal dispute resolution process, you agree to first contact Kairo's support team to attempt to resolve the matter informally. Most concerns can be resolved quickly through this channel.

Disputes arising under a Kairo Enterprise Master Services Agreement shall be resolved in accordance with the dispute resolution provisions set out in that agreement, which shall govern in the event of any conflict with this Section.

These Terms, together with our Privacy Policy and (where applicable) any Master Services Agreement, constitute the entire agreement between you and Kairo regarding your use of the Services, and supersede any prior agreements.

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

Kairo's failure to enforce any right or provision of these Terms will not be considered a waiver of that right or provision.

You may not assign or transfer these Terms, or any rights or obligations under them, without Kairo's prior written consent. Kairo may assign these Terms in connection with a merger, acquisition, or sale of assets, or by operation of law.

Kairo will not be liable for any failure or delay in performance resulting from causes beyond its reasonable control, including natural disasters, acts of government, network or infrastructure failures (including WhatsApp or telecommunications outages), or other events of force majeure.