Terms of Service — Initial Draft

Draft only. Requires legal review before publication. Last updated:

1. About these terms

These Terms of Service ("Terms") govern your use of the public website at kayasync.com (the "Website"). The Website is operated by Kaya Sync Limited ("Kaya Sync", "we", "us", "our").

These Terms do not govern the use of the Kaya Sync operator application, partner portals or any other Kaya Sync service. Those services are covered by separate agreements that you accept when onboarding.

By using the Website you agree to these Terms. If you do not agree, please do not use the Website.

2. What the Website is

The Website is an informational and lead-capture surface that explains what Kaya Sync does, who we work with, and how to start a pilot, partnership, funding or briefing conversation.

The Website is not a transactional service. It does not process payments, issue accounts, hold customer funds, or move money. References on the Website to settlement, payouts or payment instructions describe Kaya Sync's operational role; regulated money movement is executed by licensed settlement partners.

3. Acceptable use

You agree to use the Website lawfully and not to:

• Submit false, misleading or fraudulent information through any form
• Attempt to access, scan, probe or interfere with parts of the Website or its underlying infrastructure that are not intended for public use
• Use automated tools to scrape, harvest or systematically collect content from the Website without our written permission
• Use any content from the Website in a manner that misrepresents Kaya Sync, its services, its partners or its status
• Use the Website to send spam, malware or harmful content

4. Information you submit

By submitting a form on the Website you confirm that the information provided is accurate to the best of your knowledge, and that where you submit information on behalf of an organisation you are authorised to do so.

Submitted information is handled in accordance with our Privacy Policy.

We may decline to respond to any enquiry at our sole discretion.

5. Investor and funder materials

Detailed investor and funder materials, including any pitch deck, investor memo, financial model, technical roadmap, team annex or commercial terms, are shared only after internal review and, where appropriate, NDA clearance. The Website does not auto-send any such materials.

Information disclosed in response to an Investor / Funder Request is provided in confidence and may not be reproduced, redistributed or used for any purpose other than evaluating a potential investment or funding relationship with Kaya Sync.

6. Forward-looking statements

Information on the Website includes statements about Kaya Sync's planned products, services, market focus, pilot intentions and capability roadmap. These are forward-looking statements and not guarantees of future outcomes. Actual results may differ as the platform, the regulatory environment and market conditions evolve.

7. Intellectual property

All content on the Website — including text, graphics, logos, design and code — is owned by or licensed to Kaya Sync and protected by applicable intellectual property laws. You may view and share Website content for non-commercial reference purposes. Any other use requires our prior written consent.

The Kaya Sync name and logo are trademarks of Kaya Sync Limited. You may not use them without our written permission, except for fair informational reference.

8. Third-party links and references

The Website may reference third parties (for example, regulators, settlement partners or programme initiatives). Such references do not imply endorsement or any active commercial relationship unless we explicitly state so.

9. No professional advice

Information on the Website is general and informational. It does not constitute legal, regulatory, financial, tax, investment, logistics-operations or compliance advice. You should obtain qualified professional advice before acting on any information presented on the Website.

10. No warranty

The Website is provided on an "as is" and "as available" basis. To the maximum extent permitted by law, Kaya Sync makes no warranties — express or implied — regarding the accuracy, completeness, reliability or availability of the Website or its content.

11. Limitation of liability

To the maximum extent permitted by law, Kaya Sync will not be liable for any indirect, incidental, special, consequential or punitive damages arising out of or in connection with your use of the Website, even if we have been advised of the possibility of such damages.

Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law.

12. Changes to these terms

We may update these Terms from time to time. Material changes will be reflected in the "Last updated" date at the top. Continued use of the Website after a change indicates acceptance of the updated Terms.

13. Governing law

These Terms are governed by the laws of the Republic of Ghana. Any dispute arising under or in connection with these Terms is subject to the exclusive jurisdiction of the courts of Ghana, except where applicable consumer-protection law gives you the right to bring action in another jurisdiction.

14. Contact

Questions about these Terms: cto@kayasync.com General enquiries: cto@kayasync.com