1. Introduction

Welcome to KoboPoint. By accessing our website, mobile application, or using any of our services, you agree to comply with and be bound by the following terms and conditions. If you do not agree to these terms, please do not use our services.

2. Definitions

• "KoboPoint", "We", "Us": Refers to KoboPoint and its affiliates.
• "User", "You": Refers to any individual or entity accessing or using our services.
• "Services": Refers to bill payments, airtime top-ups, data bundles, and other financial services provided by KoboPoint.

3. Use of Services

You agree to use our services only for lawful purposes and in accordance with these Terms. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

KoboPoint reserves the right to suspend or terminate your account if we suspect any fraudulent, illegal, or unauthorized activity.

4. Payments and Refunds

All payments made through KoboPoint are final. However, in cases of failed transactions where your account is debited but value is not received, we will initiate a reversal to your wallet within 24 hours.

You are responsible for verifying the correctness of the beneficiary details (phone numbers, meter numbers, IUC numbers) before confirming any transaction. KoboPoint is not liable for value sent to wrong recipients due to user error.

5. Privacy Policy

Your privacy is important to us. Please refer to our Privacy Policy to understand how we collect, use, and protect your personal information. By using our services, you consent to our data practices.

6. Limitation of Liability

KoboPoint shall not be liable for any direct, indirect, incidental, or consequential damages resulting from the use or inability to use our services, including but not limited to damages for loss of profits, data, or other intangible losses.

7. Changes to Terms

We reserve the right to modify these Terms at any time. Any changes will be effective immediately upon posting on this page. Your continued use of KoboPoint after any such changes constitutes your acceptance of the new Terms.

8. Contact Us

If you have any questions about these Terms, please contact us at support@kobopoint.com.