KAYS-FI INC
Last Updated: September 2026
IMPORTANT: PLEASE READ THESE TERMS CAREFULLY BEFORE USING THE KAYS PLATFORM. BY ACCESSING OR USING OUR SERVICES, YOU AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE, DO NOT USE THE PLATFORM.
These Terms and Conditions of Service (these "Terms") govern your access to and use of the Kays platform, including the mobile application, website, and all related services (collectively, the "Platform") provided by KAYS-FI INC ("Kays", "we", "us"), a company incorporated in the State of Delaware, United States of America.
Kays is a financial technology company, not a bank, money transmitter, or licensed financial institution. Kays provides the software through which you access your account; Kays does not hold, control, or take possession of your funds at any time. Account issuance, currency conversion, card issuance, and payout services referenced on the Platform are provided by third-party partners that are either licensed to provide such services or operate through licensed financial institutions ("Partners"). Balances on the Platform are held as Kays Dollars, USD-backed instruments provided through Partners. Kays Dollars are not bank deposits and are not insured by any deposit protection scheme. The availability of services may vary by jurisdiction and is subject to regulatory requirements.
To use the Platform, you must: (a) be at least 18 years of age or the age of legal majority in your jurisdiction, whichever is higher; (b) have legal capacity to enter into a binding agreement; (c) not be a resident or citizen of any jurisdiction where use of the Platform is prohibited or in which the Platform is not offered; (d) not be listed on any sanctions list maintained by the United Nations, the U.S. Office of Foreign Assets Control (OFAC), the European Union, the United Kingdom, or any other applicable sanctions authority; and (e) not have been previously suspended or removed from the Platform.
Access to the Platform's core features requires successful completion of identity verification conducted by us and our Partners in compliance with applicable anti-money laundering (AML) and counter-terrorist financing (CFT) laws. You agree to provide accurate, current, and complete information and documentation as requested, and to promptly update it. Failure to complete or maintain verification may result in restricted access or termination.
You are solely responsible for maintaining the security of your login credentials, security passcodes, recovery methods, and devices. Because only you control access to your Kays Account, Kays cannot reset or recover your security credentials on your behalf. Loss of your credentials or recovery methods may result in permanent loss of access to the funds in your Kays Account, and Kays shall have no liability in such circumstances. You must notify us immediately of any unauthorized use of your account.
Your Kays Account is a self-controlled account: you, and only you, control the funds in it. Kays has no ability to access, move, freeze, or recover your funds. All transactions from your Kays Account are initiated and authorized by you. Kays Dollars held in your Kays Account are not deposits, are not insured by the Federal Deposit Insurance Corporation (FDIC) or any other deposit protection scheme, and are not guaranteed by Kays or any Partner.
Eligible users may be issued a named USD account in their own legal name by a Partner, enabling receipt of third-party payments (including salary, marketplace, and client payments) via supported rails such as ACH and SWIFT. Funds received into your USD account are automatically converted into Kays Dollars by the Partner and settled to your Kays Account. USD accounts do not hold cash balances; received funds are processed through automatic conversion and settlement. Your use of USD accounts is additionally subject to the applicable Partner's terms, which are incorporated by reference.
Payment cards are issued by a card-issuing Partner and funded from your own balance. Card services are subject to the card Partner's cardholder terms, which are incorporated by reference. Kays is not the issuer of the card.
You may transfer Kays Dollars from your Kays Account to payout Partners for conversion and disbursement to your own verified local bank account or mobile money account. Payouts are executed by Partners; availability, limits, and settlement times vary by market. Payout destinations must be verified and held in your own name unless otherwise expressly permitted.
You may send Kays Dollars to, and receive them from, compatible external accounts. Such transfers are final and cannot be reversed once completed; you are solely responsible for verifying the destination details before sending.
Kays may introduce additional features from time to time, including features enabling users to allocate Kays Dollars into third-party regulated products that generate returns. No such feature is currently offered, and no return is generated or paid on any balance by Kays. Any future feature will be subject to additional terms and disclosures at the time of launch.
Fees for the Platform are set out in the Kays Fee Schedule published on the Platform, as updated from time to time, and may include a one-time account activation fee, deposit fees by payment rail, payout fees, and card-related fees. Applicable fees are disclosed prior to or at the time of the relevant transaction and may be deducted from transaction proceeds. Partner and settlement-network fees may apply in addition and are not controlled by Kays.
You agree not to use the Platform to: (a) violate any applicable law or regulation; (b) engage in money laundering, terrorist financing, sanctions evasion, or fraud; (c) transact in connection with illegal goods or services, unlawful gambling, counterfeit goods, or any activity prohibited by our Partners' rules; (d) use the Platform on behalf of any third party or allow any third party to use your account; (e) provide false, misleading, or incomplete information; (f) interfere with, disrupt, or attempt to circumvent the security or proper functioning of the Platform; or (g) use the Platform in any jurisdiction where it is not offered. We may monitor activity, and may suspend, restrict, or report activity, to comply with our and our Partners' legal obligations.
We and our Partners may be required to obtain, verify, and record information identifying users, screen users and transactions against sanctions and watchlists, monitor transactions, and report suspicious activity to competent authorities. You authorize us and our Partners to make inquiries necessary to verify your identity and assess risk, and acknowledge that we may restrict, suspend, or close your access, or delay or decline transactions, where required by law, Partner requirements, or risk management.
The Platform integrates with and relies upon services provided by third parties, including account, conversion, card-issuing, and payout Partners, KYC verification providers, and the settlement networks on which Kays Dollars operate. Your use of Partner-provided functionality is governed by the applicable Partner's terms. Kays is not responsible for the acts, omissions, availability, or performance of any third party, and shall not be a party to or liable for any transaction or relationship between you and any third party.
THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. KAYS DOES NOT WARRANT THAT THE PLATFORM WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE. KAYS DOLLARS ARE NOT BANK DEPOSITS AND INVOLVE RISK; THEIR VALUE MAY FLUCTUATE, AND THE SETTLEMENT NETWORKS ON WHICH THEY OPERATE MAY EXPERIENCE DELAYS, DISRUPTIONS, OR FAILURES BEYOND OUR CONTROL. YOU USE THE PLATFORM AT YOUR OWN RISK.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, KAYS AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR FUNDS, ARISING OUT OF OR IN CONNECTION WITH THE PLATFORM. IN NO EVENT SHALL KAYS' AGGREGATE LIABILITY EXCEED THE GREATER OF (A) THE TOTAL FEES PAID BY YOU TO KAYS IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS (US$100).
You agree to indemnify and hold harmless Kays and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to your breach of these Terms, your violation of applicable law, or your use of the Platform.
We may suspend or restrict your access to the Platform, in whole or in part, at any time where we reasonably believe you have violated these Terms or applicable law, where required by law or a Partner, where we detect suspected fraudulent or unauthorized activity, or where necessary to protect the Platform or other users. Either party may terminate these Terms at any time; we may terminate upon reasonable notice, or immediately for material breach.
Upon termination, because only you control your Kays Account, you retain access to the funds in it through your security credentials, independent of the Platform. Provisions that by their nature should survive termination shall survive, including Sections 9 through 14.
These Terms are governed by the laws of the State of Delaware, United States of America, without regard to conflict-of-law principles. Any dispute arising out of or relating to these Terms or the Platform shall be resolved by binding arbitration on an individual basis, and you waive any right to participate in a class action, except where such waiver is prohibited by applicable law. Either party may seek injunctive relief in a court of competent jurisdiction for matters relating to intellectual property or unauthorized access.
We may amend these Terms from time to time by posting the updated Terms on the Platform; material changes will be notified through the Platform or by email, and continued use after the effective date constitutes acceptance. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or reorganization. If any provision is held unenforceable, the remaining provisions remain in effect. These Terms, together with the Fee Schedule, Privacy Policy, and applicable Partner terms, constitute the entire agreement between you and Kays regarding the Platform.
Kays-fi Inc · 1111B South Governors Avenue, Dover, DE 19904, United States · support@kays.finance
