Dat efektif: 1 janvye 2025 · Dènye mizajou: 22 fevriye 2026
Tèm Sèvis sa yo ("Tèm") gouvène aksè ou ak itilizasyon platfòm KobKlein, ki gen ladan aplikasyon mobil nou an, sit entènèt nou an, API yo, ak tout sèvis ki gen rapò ak sa KobKlein Inc. bay yo. Tanpri li Tèm sa yo avèk anpil atansyon anvan ou itilize Sèvis nou yo.
By accessing or using the KobKlein platform, mobile application, or any related services (collectively, the "Services"), you agree to be bound by these Terms of Service. If you do not agree to these Terms, you may not use the Services. KobKlein reserves the right to modify these Terms at any time, and your continued use of the Services constitutes acceptance of any modifications.
You must be at least 18 years old to create a KobKlein account. By registering, you represent that you are of legal age in your jurisdiction and have the authority to enter into a binding agreement. KobKlein accounts are available to individuals and businesses in supported jurisdictions. We reserve the right to refuse service to anyone for any reason.
To use the Services, you must create an account by providing accurate and complete information including your phone number and identity verification documents as required by our KYC (Know Your Customer) procedures. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must notify KobKlein immediately of any unauthorized use.
KobKlein is building Haiti's digital financial infrastructure through a partner-led model that may include digital wallet, payment, identity, Business, Agent Partner, card, diaspora-support, and related services as approved and made available. Service availability depends on verification, applicable regulatory requirements, regional readiness, and approved operating partners.
KobKlein charges fees for certain transactions as disclosed in our current fee schedule, which is published separately and may be updated periodically. Fees referenced in any marketing materials are indicative and starting points only; the fee schedule applicable at the time of each transaction governs. K-Pay transfers between KobKlein users are free up to applicable threshold limits. International remittances are subject to fees starting from $1.99 USD per transaction, subject to corridor and partner conditions. Cash-out at Agent Partner locations is subject to applicable service fees. All fees are subject to change with reasonable prior notice to users.
You agree to use the Services only for lawful purposes and in compliance with all applicable laws and regulations. You will not use the Services for money laundering, terrorist financing, fraud, or any illegal activity. You are responsible for ensuring all information provided is accurate, current, and complete. You must maintain sufficient balance for transactions and applicable fees.
You may not: use the Services for any illegal purpose; attempt to gain unauthorized access to the platform; interfere with or disrupt the Services; use automated systems to interact with the Services without authorization; create multiple accounts; impersonate another person; use the Services to transmit malware or harmful content; or circumvent any transaction limits or security measures.
All content, trademarks, logos, and intellectual property associated with KobKlein, including but not limited to the KobKlein name, K-Pay, K-Card, K-Link, K-Agent, K-Code, K-Scan, and K-Trust brands, are owned by KobKlein Inc. You may not use, reproduce, or distribute any KobKlein intellectual property without express written permission.
KobKlein shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Services. Our total liability for any claim arising from the Services shall not exceed the fees paid by you in the 12 months preceding the claim. KobKlein is not responsible for delays caused by network issues, banking partners, or force majeure events.
Any disputes arising from these Terms or your use of the Services shall first be resolved through good faith negotiation. If negotiation fails, disputes shall be submitted to binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration shall take place in Miami, Florida, USA. You agree to waive any right to participate in a class action lawsuit.
KobKlein may suspend or terminate your account at any time for violation of these Terms, suspected fraud, or as required by law or regulatory authorities. You may close your account at any time by contacting support. Upon termination, you must withdraw any remaining balance within 30 days. Certain provisions of these Terms survive termination.
These Terms shall be governed by and construed in accordance with the laws of the State of Florida, United States, without regard to its conflict of law provisions. Users across all jurisdictions where the KobKlein network operates are subject to applicable local financial laws and regulations, and KobKlein designs its operations to align with applicable regulatory frameworks in each market. Users in all jurisdictions are subject to any applicable mandatory local consumer protection or financial services laws. Nothing in these Terms limits rights you may have under applicable mandatory local law.
For questions about these Terms of Service, contact KobKlein, Inc. at support@kobklein.com, 1533 Manson St, Norfolk, VA 23523, United States, or call +1 (850) 861-0959.
