Terms of Service

These Terms of Service (“Terms”) constitute a binding legal agreement between you (referred to herein as “you,” “your,” or “User”) and Kashu, Inc (“Kashu,” “we,” “us,” or “our”), a Wyoming corporation. By accessing, registering for, or using any portion of the Kashu platform, mobile application, website, or services (collectively, the “Services”), you agree to be bound by these Terms, our Privacy Policy, and any other policies referenced herein. If you do not agree to these Terms, do not access or use our Services.

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_{1. Eligibility}

By accessing the Services, you represent and warrant that you are at least 18 years of age, possess full legal capacity to enter into a binding contract, and are not prohibited from accessing or using the Services under any applicable law or regulation. You further affirm that all information you provide to Kashu is accurate, complete, and up to date.

_{2. Scope of Services}

Kashu provides a financial technology platform that enables users to convert available credit on their cards into liquid funds. These funds can be used for peer-to-peer transfers, payments, disbursements, and other financial transactions. The platform supports direct transfers to bank accounts, brokerage platforms, crypto exchanges, and other endpoints that typically do not accept credit cards. Kashu’s system is built on proprietary infrastructure with integrated fraud detection, identity verification, and banking partnerships to ensure speed, security, and reliability. Users can link their credit cards and bank accounts, verify their identity, and access their credit as spendable cash—all through a streamlined, digital experience. All services are provided on an “as is” and “as available” basis.

_{3. Account Registration and Security}

In order to use our Services, you must register for an account, provide required personal and financial information, and undergo verification procedures in accordance with our compliance obligations, including Know Your Customer (KYC) and Anti-Money Laundering (AML) regulations. You agree to keep your account credentials confidential and to notify us immediately in the event of any unauthorized access or use. You are solely responsible for all activities conducted under your account. We reserve the right to suspend or terminate any account that provides false, incomplete, or outdated information, or that we reasonably suspect is engaged in fraudulent or unlawful activity.

_{4. Fees and Payments}

Kashu may charge service fees in connection with conversions, peer transfers, expedited processing, or other features of the Services. These fees are clearly disclosed to you at the time of transaction, via our Fee Schedule, or within the mobile application. By using the Services, you authorize Kashu to charge your designated payment method for applicable fees and related charges. Failure to remit payment when due may result in account suspension, legal recovery efforts, and assessment of interest and penalties as permitted by law. You are responsible for all taxes associated with your use of the Services, excluding taxes based on Kashu’s income.

5. License Grant and Use Restrictions

Subject to these Terms, Kashu grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for your personal or business use. You may not:

• Reproduce, modify, adapt, or create derivative works based on the Services;
• Reverse engineer, decompile, or disassemble any portion of the Services;
• Sell, rent, lease, sublicense, or distribute the Services to any third party;
• Use the Services to violate any applicable law, regulation, or third-party right;
• Attempt to interfere with the integrity or security of our systems or networks.

Any unauthorized use of the Services terminates the rights granted to you under these Terms and may result in legal action.

_{6. Intellectual Property}

All content, graphics, user interface, visual interfaces, software, algorithms, and code contained in or made available through the Services, and all related rights, including trademarks, copyrights, and trade secrets, are the exclusive property of Kashu or its licensors. Except as expressly stated herein, no rights or licenses are granted to you under any intellectual property rights, whether by implication, estoppel, or otherwise. You agree not to use the Kashu name, logo, or proprietary marks without prior written permission.

_{7. Privacy and Data Use}

By using the Services, you acknowledge and agree that we will collect, store, and use your personal information in accordance with our Privacy Policy. You further consent to the use of data for lawful purposes, including compliance, fraud prevention, risk analysis, and regulatory reporting. For more details on your rights and how your data is handled, refer to our full [Privacy Policy].

_{8. Third-Party Services}

The Services may incorporate or facilitate access to third-party platforms, such as payment processors, verification providers, or banking institutions. Kashu is not responsible for the performance, privacy practices, or terms of service of third-party services. Your use of such services is at your own risk and subject to separate terms. We disclaim any and all liability for content, functionality, or damage caused by or arising from third-party services.

_{9. Suspension and Termination}

Kashu reserves the right to suspend or terminate your access to the Services at any time, without notice or liability, for any reason including but not limited to: violation of these Terms, suspected fraud, breach of applicable law, or to protect the integrity of our platform.

Upon termination, your license to use the Services will be revoked, and any remaining funds or transactions may be subject to review. Termination does not relieve you of any obligations or liabilities accrued prior to such termination.

10. Disclaimers

The services are offered without any guarantees, either expressed or implied. Kashu disclaims all warranties, including those related to merchantability, suitability for a specific purpose, non-infringement, availability, and reliability. Kashu does not guarantee that the services will be free from errors or interruptions. You acknowledge that your use of the Services involves risks and that Kashu shall not be held responsible for the accuracy, timeliness, or completeness of any information or transactions facilitated by the Services.

_{11. Limitation of Liability}

To the fullest extent allowed by law, Kashu and its officers, directors, employees, or affiliates will not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages, including lost profits, data, or business opportunities, resulting from your use of the Services. Our total liability to you will not exceed the amount you paid to Kashu for Services in the six months preceding the incident that led to the claim.

_{12. Indemnification}

You agree to indemnify, defend, and hold harmless Kashu and its affiliates, officers, directors, employees, agents, and representatives from any claims, losses, liabilities, damages, costs, or expenses (including reasonable attorney’s fees) arising out of or related to: (i) your use of the Services, (ii) your violation of these Terms or any law, regulation, or third-party rights, or (iii) your fraud, negligence, or willful misconduct.

_{13. Dispute Resolution and Governing Law}

These Terms shall be governed by and construed in accordance with the laws of the State of Arizona, without regard to its conflict of law principles. Any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Services shall be resolved exclusively by binding arbitration administered by the American Arbitration Association (AAA) in Phoenix, Arizona. Judgment on the arbitration award may be entered in any court having jurisdiction. You agree to waive any right to a jury trial or to participate in a class action lawsuit.

14. Modifications to Terms

Kashu reserves the right to modify or update these Terms at any time. Material changes will be communicated via the Services or via email. Your continued use of the Services after such notice constitutes acceptance of the modified Terms. If you do not agree to the revised Terms, you must discontinue use of the Services immediately.

15. Contact Information

For questions, legal notices, or service of process, you may contact us as follows:

Kashu, Inc
Attn: Legal Department
1603 Capitol Ave Ste 415 #674380 Cheyenne, WY 82001
Email: legal@kashupay.com