Welcome to Kini.

These Terms of Service ("Terms") govern your access to and use of the Kini website, applications and related services ("Platform"). By accessing or using Kini, you agree to these Terms. If you do not agree, please do not use our Platform.

1. About Kini
Kini ("we", "our", "us") is a family care platform that helps families financially support and coordinate care for aging parents and loved ones.
Kini enables users to:
Create Family Care Pools
Invite family members to contribute financially
Purchase care-related services and vouchers
Coordinate support amongst family members
Monitor contributions and care goals
Receive updates relating to beneficiaries where applicable

Kini is not a bank, financial institution, medical aid, insurance company, or licensed financial adviser. We facilitate the coordination and fulfilment of care-related purchases through approved partners and service providers.

2. Eligibility
To use Kini you must:
be at least 18 years old;
have the legal capacity to enter into binding agreements;
provide accurate information;
comply with these Terms.

You are responsible for maintaining the confidentiality of your login details.

3. User Accounts
When creating an account you agree to:
provide truthful information;
keep your information up to date;
keep your password secure;
notify us immediately of any unauthorised use.

You remain responsible for all activity occurring under your account.

4. How Kini Works
Kini allows one family member ("Organizer") to establish a Care Pool for one or more beneficiaries.
The Organizer may invite contributors to participate.
Contributors may purchase approved care services, vouchers or products through the Platform.
Depending on the service selected, Kini may:
arrange fulfilment through approved partners;
purchase vouchers on behalf of beneficiaries;
coordinate delivery of approved services.

Kini does not guarantee that every requested service or product will always be available.

5. Care Pool Contributions
Contributions made through Kini are intended solely for the care purpose selected by the Organizer.
Funds may only be used for eligible services available on the Platform.
Contributors acknowledge that:
contributions are voluntary;
funds cannot be redirected for unrelated purposes;
Kini may decline transactions suspected of fraud or abuse.

6. Vouchers and Care Services
Kini may offer vouchers issued by third-party providers including supermarkets, pharmacies, healthcare providers and other approved merchants.
Voucher terms are determined by the issuing provider.
Kini is not responsible for:
lost vouchers;
expired vouchers;
incorrect beneficiary information supplied by users;
restrictions imposed by voucher providers.

Unless otherwise stated, vouchers cannot be exchanged for cash.

7. Payments
Payments are processed securely by authorised third-party payment providers.
Kini does not store your payment card details.
Prices displayed include applicable taxes unless stated otherwise.

Transaction fees may apply and will be displayed before payment is completed.

8. Refunds
Refunds are governed by our Refund and Cancellation Policy.
Generally:
purchases may be cancelled before vouchers or services have been issued;
once vouchers have been deployed or services delivered, refunds are generally unavailable except where required by law;
\failed payments will not result in voucher issuance.

Kini reserves the right to investigate refund requests.

9. Family Invitations
Users may invite family members to join a Care Pool.
By sending invitations, you confirm you have permission to share their contact information.
Kini is not responsible if invitees decline invitations.

10. Beneficiary Information
You confirm that you have the authority or consent to upload information relating to a beneficiary.
You remain responsible for ensuring all beneficiary information is accurate.Kini may remove inaccurate or unlawful information without notice.

11. Acceptable Use
You agree not to:commit fraud;
impersonate another person;
upload false information;
interfere with Platform security;
introduce malicious software;
use Kini for illegal activities;
abuse customer support staff;
attempt to reverse engineer the Platform.

We may suspend or terminate accounts involved in prohibited conduct.

12. Third-Party Providers
Kini partners with third-party providers including payment processors, voucher providers, healthcare providers and merchants.
We are not responsible for:delays caused by third parties;
changes in provider policies;
stock shortages;
service interruptions outside our control.

13. Intellectual Property
All content on Kini including:
logos
branding
software
text
graphics
icons
designs
trademarks
remain the property of Kini or its licensors.

You may not reproduce or distribute our content without written permission.

14. Privacy
Your use of Kini is also governed by our Privacy Policy.
By using the Platform you consent to the collection and processing of personal information as described in that policy and in accordance with POPIA.

15. Availability
We strive to keep Kini available at all times.
However, we cannot guarantee uninterrupted access.
The Platform may occasionally be unavailable due to:
maintenance;
upgrades;
technical failures;
events beyond our control.

16. Disclaimer
Kini provides a technology platform that assists families in coordinating care.
We do not provide:
medical advice;
legal advice;
financial advice;
insurance advice.

Users should obtain independent professional advice where appropriate.

17. Limitation of Liability
To the fullest extent permitted by South African law, Kini shall not be liable for:
indirect losses;
loss of profits;
emotional distress;
loss of opportunity;
delays caused by third parties;
service interruptions;
incorrect information supplied by users.

Nothing in these Terms excludes liability that cannot legally be excluded under South African law.

18. Indemnity
You agree to indemnify Kini against claims arising from:
your misuse of the Platform;
breach of these Terms;
unlawful conduct;
infringement of another person's rights.

19. Suspension and Termination
We may suspend or terminate your account if you:
breach these Terms;
engage in fraud;
misuse the Platform;
create legal or security risks.

You may close your account at any time by contacting us.

20. Changes to the Platform
We may:
add or remove features;
introduce new services;
discontinue products;
modify functionality.

We will endeavour to provide reasonable notice where practical.

21. Changes to These Terms
We may update these Terms from time to time.
The latest version will always be published on our website.
Continued use of Kini after changes become effective constitutes acceptance of the updated Terms.

22. Governing Law
These Terms are governed by the laws of the Republic of South Africa.
Any disputes shall be subject to the jurisdiction of the South African courts.

23. Contact Us
If you have questions regarding these Terms, please contact:
Kini 
Email: info@kini.co.za 
Website: www.kini-app.co.za