The complete legal version. For the plain-language summary, see the terms page.
These Terms of Service (“Terms”) constitute a legally binding agreement between you (“User”, “you”, or “your”) and Kehbar Limited (“Kehbar”, “we”, “us”, or “our”), and govern your access to and use of the Kehbar platform, including our website, mobile application, and all related services, features, content, and functionality (collectively, the “Platform” or the “Services”).
By accessing, registering on, or using the Platform in any manner, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree with these Terms, you must not access or use the Platform. These Terms apply to all users of the Platform, including visitors, registered users, parties to arrangements, and any other persons who access or use the Platform.
We reserve the right to update, modify, or revise these Terms from time to time. Where we make material changes, we may notify you via email, in-app notification, or by updating the Terms on our website. Your continued use of the Platform after such changes constitutes your acceptance of the revised Terms.
Kehbar is a technology platform that provides tools for creating, managing, tracking, and coordinating financial arrangements, contributions, obligations, collections, groups, community funds, virtual account-enabled payment collection, and related activities.
Kehbar is not a bank, deposit-taking institution, microfinance bank, finance company, payment service bank, investment company, or other licensed financial institution. Certain payment, collection, settlement, virtual account, identity verification, and other financial services available through the Platform may be provided by licensed third-party financial institutions, payment service providers, or other regulated partners.
Unless expressly stated otherwise, Kehbar does not provide credit, investment advice, financial advice, wealth management services, debt recovery services, or guarantees of any financial transaction, contribution, repayment, savings arrangement, or community fund. Users are solely responsible for evaluating and participating in any financial arrangement facilitated through the Platform.
For the purpose of these Terms, the following definitions shall apply:
“Account” means a registered user account created on the Platform in order to access and use the Services.
“Agreement” means any loan record, repayment plan, financial arrangement, or any other agreement created, recorded, or referenced on the Platform between users, whether legally binding or not.
“Berit” means Kehbar’s intelligent assistant that helps users manage arrangements, groups, contributions, loans, repayments, reminders, and other activities on the Platform.
“Beta Services” means any features or services identified as beta, test, trial, or early access features made available by Kehbar for testing and evaluation purposes.
“Content” means any data, text, documents, images, payment proof, agreements, messages, communications, or other materials uploaded, submitted, transmitted, or entered on the Platform by users.
“Contribution” means any payment, contribution, dues payment, savings deposit, community fund contribution, or other amount paid or collected through the Platform.
“Dispute” means any dispute, claim, controversy, or disagreement arising out of or relating to these Terms, the Platform, the Services, or any agreement between users.
“Effective Date” means the date on which these Terms of Service come into force, as stated at the end of these Terms.
“Financial Partner” means any bank, payment service provider, payment gateway, virtual account provider, settlement provider, financial institution, identity verification provider, or other third-party provider integrated with the Platform.
“Group” means any savings group, community fund, contribution pool, dues collection arrangement, rotating savings arrangement, cooperative, association, or similar collective arrangement created or managed through the Platform.
“Group Administrator” means a user authorised to create, manage, supervise, or administer a Group.
“Kehbar” means Kehbar Limited and any of its related or affiliated entities.
“Personal Information” means any information that identifies or can be used to identify an individual, including but not limited to name, email address, phone number, identification information, financial information, or any other personal data.
“Platform” means the Kehbar website, mobile application, and related services.
“Services” means the financial management, loan tracking, repayment tracking, contribution collection, savings group management, community fund management, virtual account-enabled payment collection, intelligent assistant functionality, notifications, reporting, and related services provided through the Platform.
“Third-Party Services” means any services provided by third parties which may be integrated with the Platform, including payment providers, identity verification providers, or communication services.
“Transaction” means any repayment, contribution, collection, transfer record, settlement, payment, or financial activity recorded or facilitated through the Platform.
“User” means any person who accesses or uses the Platform.
“Virtual Account” means a unique account number assigned through a licensed financial institution or payment service provider for the purpose of receiving payments or contributions.
Kehbar is a technology platform designed to assist individuals, groups, communities, associations, and other users in creating, managing, tracking, and coordinating financial arrangements, contributions, obligations, collections, and related activities.
The Platform may enable users to:
Create and manage loan records, deferred payment arrangements, one-off expense or bill-splitting arrangements, pledges, and other financial arrangements between users;
Create and manage repayment schedules, contribution schedules, and payment obligations;
Track repayments, contributions, outstanding balances, and fulfilment of financial commitments;
Create and manage savings groups, contribution pools, community funds, associations, cooperative arrangements, and dues collection programmes;
Receive, collect, and manage contributions from members;
Assign and use virtual accounts provided through licensed Financial Partners;
Record, monitor, and track transactions and payment activity;
Upload payment confirmations, supporting documents, and related records;
Communicate with other users;
Receive reminders, notifications, insights, reports, and assistance through Berit and other Platform features;
Manage group memberships, administrator permissions, and user roles; and
Access other features, tools, and functionality made available by Kehbar from time to time.
Certain financial features available through the Platform may be provided by licensed third-party financial institutions, payment service providers, or other Financial Partners.
Kehbar provides technology infrastructure and administrative tools only. Except where expressly stated otherwise, Kehbar is not a party to any agreement entered into between users and does not guarantee repayment, performance, collection, recovery, or success of any financial arrangement.
By using the Platform, you represent and warrant that you are at least 18 years of age (or the age of legal majority where you live), and have the legal capacity to enter into binding agreements under applicable law. You agree that all information you provide to Kehbar is accurate, current, and complete, and you agree to update such information where necessary.
If you are using the Platform on behalf of a company, organization, or other entity, you represent that you have the authority to bind that entity to these Terms, and in such case, the terms “you”, “user”, or “your” shall include that entity.
In order to use certain features of the Platform, you may be required to provide certain personal information, including but not limited to your name, email address, phone number, and other identifying information (“Personal Information”). You agree to provide true, accurate, current, and complete information and to keep such information updated at all times.
You acknowledge that we may use your contact information to send you notices, service updates, security alerts, legal notices, and other communications relating to your use of the Platform.
Where you provide information that is false, inaccurate, outdated, or incomplete, Kehbar reserves the right to suspend or terminate your access to the Platform.
Provision of certain features of the Services may be subject to additional terms, service level agreements, or third-party terms, and such terms shall apply in addition to these Terms.
You agree to use the Platform only in compliance with all applicable laws and regulations. If your use of the Platform is prohibited by applicable law, you are not authorised to use the Platform.
Any information submitted to the Platform is processed in accordance with our Privacy Policy. While we take reasonable steps to ensure that the Platform operates properly, we make no representations or warranties regarding the accuracy, completeness, or reliability of any information stored on the Platform. Your use of the Platform and reliance on any information is at your own risk.
In order to maintain the security of the Platform and comply with applicable laws and regulatory requirements, Kehbar may require users to complete identity verification procedures (“KYC – Know Your Customer”).
You agree that Kehbar may request identity verification information, which may include your full name, phone number, email address, date of birth, government-issued identification, Bank Verification Number (BVN), or any other information required to verify your identity.
Where a user is acting on behalf of a business or organisation, Kehbar may require business verification (“KYB – Know Your Business”), including submission of business registration documents, company registration number, and details of directors or authorised representatives.
You agree that:
Kehbar reserves the right to refuse access to the Platform where a user fails to complete required verification procedures.
Kehbar may conduct anti-money laundering (AML), counter-terrorism financing (CTF), sanctions screening, politically exposed person (PEP) screening, fraud prevention checks, enhanced due diligence reviews, and other compliance procedures either directly or through third-party providers.
Kehbar may suspend, restrict, freeze, or terminate access to the Platform where required for compliance, security, fraud prevention, legal, or regulatory reasons.
In order to access certain features of the Platform, you may be required to create an account. You are responsible for maintaining the confidentiality of your account login details and for all activities that occur under your account. You agree to notify us immediately if you suspect any unauthorized access to your account.
We reserve the right to suspend or terminate accounts that contain false information, are used for fraudulent purposes, or violate these Terms.
The Platform allows users to create, record, manage, and track arrangements, obligations, commitments, contributions, payment records, and agreements between themselves. All agreements created on the Platform are user-generated and are created based on information provided by users. Kehbar does not review, verify, validate, or enforce any agreement created on the Platform.
You acknowledge and agree that Kehbar is not responsible for the accuracy of any information entered by users and is not responsible for any disputes arising between users.
Where users upload documents, proof of payment, or other content to the Platform, such content remains the responsibility of the user who uploaded it. By uploading content, you grant Kehbar a non-exclusive license to store, display, and process such content for the purpose of providing the Services.
The Platform may enable users to receive payments, contributions, dues, repayments, savings deposits, and other funds through virtual accounts and payment collection mechanisms provided by Financial Partners integrated with the Platform.
Where payment functionality is provided, such functionality may be operated by licensed banks, payment service providers, or other Financial Partners. Users acknowledge that such services may be subject to separate terms and conditions imposed by the relevant Financial Partner.
Kehbar does not guarantee the availability, performance, security, or uninterrupted operation of any payment service, virtual account, settlement service, or Financial Partner.
Users acknowledge and agree that:
Nothing contained in the Platform, the Services, these Terms, or any communication from Kehbar shall be construed as creating any fiduciary, trustee, agency, partnership, joint venture, employment, advisory, brokerage, or similar relationship between Kehbar and any user. Kehbar acts solely as a technology service provider and does not act as a trustee, custodian, financial adviser, investment adviser, agent, representative, or intermediary for any user, Group, contribution arrangement, loan arrangement, community fund, or transaction conducted through the Platform.
The Platform may permit users to create, join, manage, or participate in Groups. Groups may include savings groups, cooperative associations, contribution pools, community funds, rotating savings arrangements, dues collection programmes, or similar collective arrangements.
Kehbar does not organise, supervise, manage, guarantee, or endorse any Group and is not responsible for the conduct, actions, omissions, solvency, integrity, or performance of any Group, Group Administrator, or Group member. Users are solely responsible for evaluating whether to participate in any Group and for any financial decisions made in connection with such participation.
Group Administrators may be granted additional permissions to create, manage, and administer Groups.
Such permissions may include:
Group Administrators act independently and are not employees, representatives, agents, or partners of Kehbar. Kehbar shall not be liable for the actions, omissions, decisions, or misconduct of any Group Administrator. Each Group Administrator is solely responsible for the administration of the Group, including the management of members, contribution schedules, communications, distributions, collections, and any decisions made in connection with the Group. Kehbar does not supervise or approve administrative actions taken by Group Administrators and shall not be liable for any losses arising from such actions.
The Platform may send reminders and notifications based on repayment schedules entered by users. By using the Platform, you consent to receiving such communications. Kehbar does not guarantee that notifications will always be delivered or received and shall not be liable for missed or undelivered reminders.
Kehbar may provide users with access to Berit, an intelligent assistant feature designed to help users manage arrangements, Groups, contributions, loans, repayments, reminders, notifications, and other activities on the Platform.
Berit may generate reminders, notifications, summaries, recommendations, insights, responses, suggested actions, and other content using automated technologies, including artificial intelligence systems.
You acknowledge and agree that:
You authorize Kehbar and Berit to initiate workflows, prepare draft arrangements, generate reminders, prepare messages, create suggested transactions, organise information, and perform other user-requested actions on your behalf through the Platform. You acknowledge that Berit acts solely as an automated assistance tool and does not make decisions on your behalf. No transaction, agreement, payment instruction, transfer of funds, or legally binding action shall be completed unless confirmed through the Platform where such confirmation is required.
Kehbar reserves the right to modify, suspend, restrict, or discontinue Berit at any time without notice.
You agree to use the Platform only for lawful purposes and in accordance with these Terms. You agree not to use the Platform for fraudulent activities, illegal lending, harassment, uploading false information, or any activity that violates applicable law. You agree not to use the Platform in violation of any applicable anti-money laundering laws, sanctions laws, anti-corruption laws, anti-terrorism financing laws, consumer protection laws, or other applicable laws and regulations.
Without limiting the generality of the foregoing, you shall not:
We reserve the right to suspend or terminate your access to the Platform where we believe you have violated these Terms or any applicable law. Kehbar reserves the right to monitor activity on the Platform and to suspend or terminate accounts where required for legal or regulatory compliance.
Certain services available through the Platform may be provided by Financial Partners. Users acknowledge that:
Kehbar may suspend, restrict, freeze, or terminate access to any account, transaction, virtual account, Group, or Service where Kehbar reasonably believes that:
All intellectual property rights in the Platform, including the name Kehbar, the logo, software, design, text, graphics, and all other content, belong to Kehbar or its licensors. You are granted a limited, non-exclusive, non-transferable license to use the Platform for its intended purpose. You shall not copy, reproduce, modify, distribute, sell, or exploit any part of the Platform without our prior written consent.
We collect and process personal data in accordance with our Privacy Policy and applicable data protection laws. By using the Platform, you consent to the collection and processing of your personal data as described in the Privacy Policy.
The Platform is provided on an “as is” and “as available” basis. Kehbar makes no warranties or representations that the Platform will be uninterrupted, error-free, secure, or free from viruses. Kehbar does not guarantee the performance, profitability, success, repayment, collection, recovery, or availability of any loan, contribution, Group, community fund, virtual account, payment service, or transaction conducted through, or the accuracy of any information on the Platform. Your use of the Platform is at your own risk.
To the fullest extent permitted by applicable law, Kehbar, its directors, employees, agents, partners, licensors, and service providers shall not be liable to you under any theory of liability (whether based in contract, tort, negligence, strict liability, warranty, or otherwise) for any indirect, consequential, exemplary, incidental, punitive, or special damages, including but not limited to loss of profits, loss of revenue, loss of business, loss of goodwill, loss of data, or loss of anticipated savings, even if Kehbar has been advised of the possibility of such damages.
Without limiting the generality of the foregoing, Kehbar shall not be liable for any loss or damage arising from:
Any loan agreement or financial arrangement entered into between users;
Failure of any user to repay any loan;
Any dispute between users;
Any Group, contribution pool, savings programme, community fund, or activities conducted by Group Administrators or Group members;
Any incorrect information entered into the Platform by users;
Any reliance placed on information recorded on the Platform;
Any failure, delay, or error in reminders or notifications;
Any interruption or unavailability of the Platform;
Any unauthorised access to or use of your account;
Any third-party services integrated with the Platform, including payment providers;
Any loss or damage arising from the use of Beta or test features;
Any reliance on information, recommendations, summaries, analyses, insights, predictions, or other outputs generated by Berit or any automated feature of the Platform.
To the fullest extent permitted by applicable law, Kehbar’s total aggregate liability for any claim arising out of or relating to these Terms or the use of the Services, regardless of the form of the action, shall be limited to the lesser of:
To the fullest extent permitted by applicable law, you agree to indemnify, defend (at our option), and hold harmless Kehbar, its directors, officers, shareholders, employees, agents, partners, licensors, service providers, and affiliates from and against any and all losses, liabilities, claims, demands, damages, judgments, awards, fines, penalties, costs, and expenses (including legal fees and professional fees) (collectively, “Claims”) arising out of or related to:
You agree to fully cooperate with Kehbar in the defence of any such Claims and to pay all costs, expenses, and legal fees associated with the defence of such Claims.
Kehbar reserves the right, at its own option and expense, to assume the exclusive defence and control of any matter otherwise subject to indemnification by you, and in such case, you agree to cooperate with Kehbar in the defence of such matter. You agree not to settle any such matter without the prior written consent of Kehbar.
This indemnity obligation shall survive the termination or suspension of your account and your use of the Services and is in addition to, and not in lieu of, any other indemnities set forth in any written agreement between you and Kehbar.
We reserve the right to suspend or terminate your access to the Platform if you violate these Terms. You may stop using the Platform at any time.
Some features of the Platform may be offered as beta, test, or early access features (“Beta Services”). Beta Services are provided for testing purposes only and may contain errors, bugs, or other issues. You agree that Beta Services are provided “as is” and may be modified or discontinued at any time without notice.
Kehbar makes no warranties that Beta Services will function properly or be available at all times. You agree that Kehbar shall not be liable for any loss, damage, or harm arising from or related to your use of Beta Services.
Kehbar reserves the right to introduce fees, subscription plans, transaction charges, premium features, or other paid services in the future. Where fees apply, users will be notified before such fees become payable.
The Platform may integrate with or provide links to third-party services, including banks, payment service providers, virtual account providers, settlement providers, identity verification providers, AML screening providers, sanctions screening providers, communication providers, and other regulated service providers. These third-party services are provided by independent third parties and are subject to their own terms and privacy policies.
Kehbar does not control and is not responsible for the performance, availability, accuracy, or reliability of any third-party services. Your use of any third-party service is at your own risk, and Kehbar shall not be liable for any loss or damage arising from your use of third-party services.
Kehbar does not guarantee that the Platform will always be available, uninterrupted, secure, or error-free. The Platform may be unavailable from time to time due to maintenance, upgrades, technical issues, or events beyond our control. You agree that Kehbar shall not be liable for any loss or damage arising from any interruption or unavailability of the Platform.
Kehbar may retain your data for as long as necessary to provide the Services and to comply with legal obligations. Upon termination of your account, Kehbar may retain certain data for a reasonable period where required for legal, regulatory, dispute resolution, or enforcement purposes. Kehbar reserves the right to delete data after account termination in accordance with its data retention policies.
You are solely responsible for ensuring that your use of the Platform complies with all applicable laws and regulations. Kehbar does not provide legal, financial, or investment advice, and nothing on the Platform shall be considered legal or financial advice. You are responsible for ensuring that any agreement you enter into with another user is legally valid and enforceable under applicable law.
Kehbar shall not be liable for any delay or failure in performance resulting from causes beyond its reasonable control, including but not limited to acts of God, internet failures, power outages, strikes, labour disputes, riots, civil disturbances, war, government actions, pandemics, fire, flood, or failure of third-party service providers.
All legal notices to Kehbar shall be sent by email to help@kehbar.com or to the registered address of Kehbar. All legal notices to you may be sent to the email address associated with your account. You agree that electronic communications satisfy any legal requirement that such communications be in writing.
You may not assign, transfer, or delegate your rights or obligations under these Terms without the prior written consent of Kehbar. Kehbar may assign or transfer these Terms without restriction, including in connection with a merger, acquisition, restructuring, or sale of assets.
You agree that records, approvals, acknowledgements, confirmations, communications, and other actions performed electronically through the Platform may constitute valid electronic records and may be used as evidence to the fullest extent permitted by applicable law.
Please read this Clause 34 carefully because it requires you to arbitrate certain disputes and claims and limits the manner in which you can seek relief from Kehbar. This Clause does not limit Kehbar’s right to seek relief in court as provided below.
You agree that any dispute, claim, or controversy arising out of or relating in any way to your access to or use of the Services, the Platform, any agreements created using the Platform, any communications you receive, any products or services provided through the Platform, or these Terms and prior versions of these Terms, including claims and disputes that arose before the effective date of these Terms, or any privacy or data security claims (collectively, “Disputes”, and each a “Dispute”), shall be resolved in accordance with this Clause 34.
By agreeing to these Terms, you agree that any Dispute you have against Kehbar must be resolved exclusively through binding arbitration, except where expressly provided otherwise in this Clause. Kehbar, however, reserves the right to pursue claims against you in arbitration or in any court of competent jurisdiction, at Kehbar’s sole discretion.
Arbitration precludes you from suing in court or having a jury trial. You agree that arbitration will be conducted solely on an individual basis and not as a class arbitration, class action, or any other representative proceeding. You waive your right to trial by a jury. Follow the instructions below if you wish to opt out of this requirement of arbitration on an individual basis. No class or representative actions or arbitrations are permitted under this arbitration agreement.
For any dispute or claim between you and Kehbar arising out of or relating in any way to your access to or use of the Services, any agreements created using the Platform, any communications you receive, any products or services provided through the Platform, or these Terms and prior versions of these Terms, including claims and disputes that arose between you and us before the effective date of these Terms, or any privacy or data security claims (collectively, “Disputes”, and each a “Dispute”), you agree to attempt to first resolve the Dispute informally through the following process:
If you assert a Dispute against Kehbar, you will first contact Kehbar by sending a written notice of your Dispute to Kehbar by email to help@kehbar.com. If you and Kehbar cannot reach an agreement to resolve the Dispute within thirty (30) days after the applicable notice is received, then you shall submit the Dispute to binding arbitration as set out below. The statute of limitations and any filing fee deadlines shall be suspended for thirty (30) days from the date that you first send the applicable notice so that the parties can engage in this informal dispute resolution process.
Except for individual disputes that qualify for small claims court and any disputes exclusively related to the intellectual property or intellectual property rights of you or Kehbar, including any disputes in which you seek injunctive or other equitable relief for the alleged unlawful use of intellectual property (“IP Disputes”), claims brought by Kehbar against you, all Disputes, whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory, that are not resolved through informal dispute resolution shall be resolved by a neutral arbitrator through final and binding arbitration instead of in a court by a judge or jury.
The arbitration shall be conducted in any state in Nigeria chosen by Kehbar and shall be administered in accordance with the Arbitration and Mediation Act of the Federal Republic of Nigeria. The arbitrator shall have the authority to grant any remedy or relief that would otherwise be available in court. The remedies and reliefs rendered by the arbitrator may be confirmed and enforced in any court having jurisdiction.
If you wish to initiate arbitration, you must provide Kehbar with a written request for arbitration (the “Request”). The Request must include:
Your name, mailing address, email address, and telephone number as the party seeking arbitration and the email address associated with any applicable account;
A statement of the legal claims being asserted and the factual basis of those claims;
A description of the remedy sought and a good faith calculation of the amount in dispute;
A statement confirming that the informal dispute resolution process described above has been completed; and
Evidence that you have paid any required arbitration filing fees.
If in requesting arbitration, you are represented by counsel, the Request shall also include counsel’s name, mailing address, email address, and telephone number, and counsel must sign the Request.
All materials and documents exchanged during the arbitration proceedings shall be kept confidential and shall not be disclosed to any third party except either parties’ legal representatives, accountants, or authorised representatives who agree to keep such materials confidential.
You have the right to opt out of binding arbitration within thirty (30) days of the date you first accepted these Terms by providing written notice of your decision to opt out via email or by registered mail to the address provided in the “Contact Us” section of these Terms. In order to be effective, the opt-out notice must include your full name, mailing address, email address, and a clear statement that you wish to opt out of binding arbitration.
If you opt out of binding arbitration, you agree that disputes will be resolved exclusively in the courts of competent jurisdiction in Nigeria.
You may reject any change we make to this Clause 34 by sending written notice within thirty (30) days of the change. If you do so, the most recent version of this Clause 34 before the change you rejected will apply.
If any portion of this Clause 34 is found to be unenforceable or unlawful for any reason:
The unenforceable provision shall be severed from these Terms;
The remainder of this Clause 34 shall remain enforceable;
Any claims that must proceed in court shall be litigated in the courts of competent jurisdiction in Nigeria, and such litigation shall be stayed pending the outcome of any individual claims in arbitration.
To the fullest extent permitted by law, you waive any constitutional or statutory rights to sue in court and have a trial before a judge or jury. You instead agree that all Disputes shall be resolved by arbitration as set out in this Clause, except as expressly provided otherwise.
You agree that you may only bring claims against Kehbar only in an individual capacity and not as a claimant or class member in any class, representative, collective, or mass action proceeding. The arbitrator may award relief only in favour of an individual party seeking relief and only to the extent necessary to resolve that party’s individual claim.
Notwithstanding anything in this Clause, Kehbar reserves the right to bring any claim, action, or proceeding against you in any court of competent jurisdiction, including but not limited to claims relating to recovery of money owed, breach of these Terms, fraud or misuse of the Platform, intellectual property infringement, confidentiality breaches, injunctive or equitable reliefs, and enforcement of arbitration awards. You agree that Kehbar may seek injunctive or equitable relief in court without first engaging in arbitration.
To improve the efficiency of arbitration proceedings, in the event that multiple similar claims are filed against Kehbar by the same law firm or group of law firms, the arbitration proceedings may be conducted in batches, with one arbitrator appointed per batch, and each batch resolved as a single arbitration proceeding, with one set of filing and administrative fees per batch, one procedural calendar, and one final award per batch. The parties agree to cooperate in good faith to implement any batch arbitration process and to minimise the cost and time of arbitration proceedings. This provision shall not be interpreted as permitting class arbitration or collective arbitration.
These Terms constitute the entire agreement between you and Kehbar regarding the Platform and supersede all prior agreements, discussions, or understandings between you and Kehbar relating to the Platform.
These Terms shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria.
Kehbar’s failure to exercise or enforce any right or provision of these Terms shall not operate as a waiver of such right or provision. These Terms, together with the Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and Kehbar relating to the subject matter hereof and supersede all prior agreements, negotiations, representations, statements, and understandings between the parties relating to the Platform and the Services. Except as otherwise expressly provided in these Terms, these Terms are intended solely for the benefit of you and Kehbar and are not intended to confer third-party beneficiary rights upon any other person or entity. Communications between you and Kehbar may be conducted electronically, and you agree that all electronic communications, agreements, notices, disclosures, and other communications provided to you electronically satisfy any legal requirement that such communications be in writing.
Section headings in these Terms are for convenience only and have no legal or contractual effect. Words such as “including”, “for example”, “e.g.” or similar expressions shall be interpreted as meaning “including without limitation.” Unless otherwise stated, references to monetary amounts may be expressed in Nigerian Naira or any other currency determined by Kehbar. References to URLs shall include successor URLs, mobile applications, and any content, information, or resources made available through such URLs. The word “or” shall be interpreted as an inclusive “or” and not an exclusive one.
If any provision of these Terms is found to be invalid, unlawful, or unenforceable for any reason, such provision shall be severed from these Terms and the remaining provisions shall remain valid and enforceable to the fullest extent permitted by law. Where possible, any invalid or unenforceable provision shall be modified and interpreted in a manner that best achieves the intent of the original provision and preserves the intent of these Terms.
If you have any questions, complaints, or notices regarding the Services or these Terms, you may contact us at:
Kehbar Limited
Email: help@kehbar.com
Please note that email communications may not always be secure, and you should not include sensitive personal or financial information in email communications with us.
These Terms of Service are effective as of June 8, 2026.