Fecha efectiva: 1 de enero de 2025 · Última actualización: 1 de febrero de 2025
Esta Política de Uso Aceptable describe las reglas y estándares que rigen cómo pueden usarse los servicios KobKlein. Se espera que todos los usuarios utilicen la plataforma de manera responsable, legal y que respete los derechos y la seguridad de toda la comunidad KobKlein.
This Acceptable Use Policy ("AUP") defines the standards and rules for using the KobKlein platform, mobile application, and all related services. This policy is designed to protect the KobKlein community, maintain the integrity of our financial system, and ensure compliance with applicable laws and regulations. All users, including Personal Accounts, Diaspora Members, Businesses, and Agent Partners, must comply with this AUP at all times.
KobKlein's website and any invitation-only experience may be used only for lawful purposes. Any future wallet, payment, remittance, card, Business, Agent Partner, or cash service will be governed by its own approved terms and will be available only where the required approvals and partners are in place.
Users are strictly prohibited from using KobKlein services for: money laundering or attempting to disguise the origins of illegally obtained funds; financing of terrorism, weapons proliferation, or sanctioned entities; fraud, scams, Ponzi schemes, or any form of financial deception; purchasing or selling illegal goods, drugs, or controlled substances; human trafficking or exploitation of any kind; unauthorized gambling or lottery operations; circumventing transaction limits through structured transactions ("smurfing"); creating multiple accounts to evade restrictions or limits; identity theft or impersonation of other individuals; distributing malware, phishing, or conducting cyberattacks; any activity that violates applicable local, national, or international laws.
KobKlein implements transaction limits and monitoring systems to ensure platform safety and regulatory compliance. Transaction limits vary by verification tier and jurisdiction, specific limits are disclosed during onboarding and within the application. Higher verification tiers unlock higher limits, with KYC Level 3 (full verification) accounts receiving the highest available limits in their market. All transactions are subject to real-time risk scoring, velocity checks, and pattern analysis. Transactions flagged by our risk engine may be delayed, held for review, or declined.
Businesses accepting KobKlein payments must: display accurate pricing and product information; fulfill orders and services as advertised; process refunds in accordance with their stated policies; not impose unauthorized surcharges; and maintain accurate business records. Agent Partners must: maintain adequate float balances where applicable; provide accurate cash-in and cash-out services; follow required onboarding and compliance procedures; not charge fees beyond the authorized commission structure; and report suspicious transactions to KobKlein compliance.
Users are responsible for maintaining the security of their accounts. This includes: using strong, unique passwords and enabling biometric authentication where available; never sharing OTP codes, PINs, or login credentials with any person, including anyone claiming to represent KobKlein; keeping registered phone numbers and email addresses up to date; immediately reporting lost or stolen devices; logging out of shared or public devices; and being vigilant against phishing attempts and social engineering. KobKlein will never ask for your password or OTP codes via phone, email, or message.
When using KobKlein's communication features (transaction notes, business descriptions, support messages), users must not: include offensive, threatening, or discriminatory language; share personal information of third parties without consent; send spam, unsolicited advertisements, or promotional content; impersonate KobKlein staff or other users; or include content that violates intellectual property rights.
Violations of this Acceptable Use Policy may result in one or more of the following actions: temporary account suspension pending investigation; permanent account termination; forfeiture of Business or Agent Partner privileges; reporting to law enforcement or regulatory authorities; legal action to recover damages; freezing of account balances pending investigation; and reporting to international financial crime databases. The severity of enforcement action will be proportional to the nature and frequency of violations. KobKlein reserves the right to take immediate action without prior notice when required to prevent harm or comply with legal obligations.
Users who become aware of violations of this AUP are encouraged to report them to KobKlein at support@kobklein.com. Reports are handled responsibly and confidentially where appropriate.
KobKlein reserves the right to update this Acceptable Use Policy at any time. Material changes will be communicated to users through in-app notifications, email, or posted on our website at least 30 days before taking effect. Continued use of KobKlein services after the effective date of changes constitutes acceptance of the updated policy. Users who do not agree with policy changes may close their account and withdraw their funds.
For questions about this Acceptable Use Policy, contact KobKlein, Inc. at support@kobklein.com, 1533 Manson St, Norfolk, VA 23523, United States, or call +1 (850) 861-0959.
