Terms & Conditions
Welcome to Kamety! By accessing or using our platform, you agree to be bound by these Terms & Conditions. Please read them carefully before using our services.
1. Acceptance of Terms
By creating an account, accessing, or using the Kamety platform (a product of Jungle Star Inc.), you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree with any part of these terms, you must not use our services.
2. Description of Service
Kamety provides a digital platform for managing community savings circles (commonly known as Kamety, Committee, or ROSCA - Rotating Savings and Credit Association). Our services include:
- Automated tracking of contributions and payouts
- Member management and communication tools
- Payment reminders and notifications
- Financial reporting and analytics
- Secure data storage and encryption
- KYC verification and compliance services
3. User Accounts
3.1 Account Creation
To use our services, you must create an account providing accurate, current, and complete information. You are responsible for maintaining the confidentiality of your login credentials.
3.2 Account Responsibility
You are solely responsible for all activities that occur under your account. Notify us immediately of any unauthorized access or security breach at security@kamety.com.
3.3 Age Requirement
You must be at least 18 years old to create an account and use our services. By using Kamety, you represent that you meet this age requirement.
4. Kamety (Committee) Rules
4.1 Group Formation
Users can create or join savings groups. Each group must have a designated administrator who is responsible for managing group settings, member approvals, and ensuring compliance with group rules.
4.2 Contributions and Payouts
Members agree to make timely contributions as per the group's schedule. Kamety provides tracking and reminders but does not process payments directly. All financial transactions occur between members.
4.3 Default and Late Payments
Groups may establish their own rules regarding late payments or defaults. Kamety is not responsible for enforcing payment obligations or recovering defaulted amounts. Late payments may result in:
- Late fees as defined by the group
- Suspension from future rounds
- Removal from the committee
- Legal action as permitted by law
5. Payment and Fees
5.1 Subscription Plans
Kamety offers both free and paid subscription plans. Paid plans are billed monthly or annually as selected. Fees are non-refundable except as required by law.
5.2 Payment Processing
All payments are processed through secure third-party payment processors. We do not store your full payment information. Supported payment methods include credit/debit cards, bank transfers, and digital wallets.
5.3 Price Changes
We reserve the right to modify our pricing with 30 days' notice. Continued use after price changes constitutes acceptance of new prices.
6. KYC and Identity Verification
To comply with anti-money laundering (AML) regulations and ensure platform security, we may require KYC verification. You agree to:
- Provide accurate and complete identification documents
- Update your information promptly when changes occur
- Allow us to verify your identity through third-party services
- Accept that failure to verify may limit platform features
7. User Conduct and Prohibited Activities
You agree not to:
- Use the platform for any illegal purpose or in violation of any laws
- Harass, abuse, or harm another person or group
- Impersonate any person or entity
- Interfere with or disrupt the platform's security or functionality
- Attempt to gain unauthorized access to any portion of the platform
- Use automated systems to access or scrape data from the platform
- Post false, misleading, or deceptive information
- Engage in any activity that could damage, disable, or overburden our infrastructure
- Use the platform for money laundering or fraudulent activities
8. Intellectual Property
All content, features, and functionality on Kamety, including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, and software, are the exclusive property of Jungle Star Inc. and are protected by copyright, trademark, and other intellectual property laws.
You may not reproduce, distribute, modify, create derivative works of, publicly display, or commercially exploit any part of our platform without our express written permission.
9. Privacy and Data Protection
Your use of Kamety is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information. By using our services, you consent to our data practices as described in the Privacy Policy.
10. Third-Party Links and Services
Our platform may contain links to third-party websites or services. We are not responsible for the content, privacy practices, or terms of these external sites. Your interactions with third parties are solely between you and them.
11. Disclaimer of Warranties
KAMETY PROVIDES THE PLATFORM "AS IS" AND "AS AVAILABLE" WITHOUT ANY WARRANTIES, EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE. WE ARE NOT RESPONSIBLE FOR ANY LOSS OR DAMAGE RESULTING FROM YOUR USE OF THE PLATFORM OR ANY TRANSACTIONS CONDUCTED THROUGH IT.
12. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, JUNGLE STAR INC. AND KAMETY SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM YOUR USE OR INABILITY TO USE THE PLATFORM.
Our total liability to you shall not exceed the amount you paid us, if any, during the 12 months preceding the claim.
13. Indemnification
You agree to indemnify, defend, and hold harmless Jungle Star Inc., Kamety, and our officers, directors, employees, and agents from any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to your violation of these Terms or your use of the platform.
14. Termination
We may terminate or suspend your account immediately, without prior notice, for conduct that violates these Terms or is harmful to other users or the platform. Upon termination, your right to use the service will cease immediately.
You may delete your account at any time through your account settings. Data retention is governed by our Privacy Policy.
15. Modifications to Terms
We reserve the right to modify these Terms at any time. We will notify you of material changes via email or through the platform. Your continued use of Kamety after changes become effective constitutes your acceptance of the revised Terms.
16. Governing Law
These Terms shall be governed by and construed in accordance with the laws of Canada, without regard to its conflict of law provisions. Any legal action arising from these Terms shall be brought exclusively in the courts located in Canada.
17. Dispute Resolution
Before filing a claim against Kamety or Jungle Star Inc., you agree to first contact us to attempt to resolve the dispute informally. If the dispute cannot be resolved informally, it shall be resolved through binding arbitration in accordance with the Arbitration Act of Ontario, Canada.
18. Severability
If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.
19. Entire Agreement
These Terms, together with our Privacy Policy, Withdrawal Policy, Cookie Policy, and any other legal notices published by us, constitute the entire agreement between you and Kamety regarding your use of the platform.
20. Contact Information
If you have any questions about these Terms, please contact us at:
Email: legal@kamety.com
Address: Jungle Star Inc., Canada
Legal Entity: Jungle Star Inc. (Parent Company)