These Terms of Service (“Terms”) govern your access to and use of the Kobo Vault website, mobile application, and all associated services (collectively, the “Services”).

By accessing or using our Services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, please do not use our Services.

1. Acceptance of These Terms

By accessing or using Kobo Vault, you confirm that you have read, understood, and agreed to be bound by these Terms. If you do not agree, you must discontinue use of the Services immediately.

2. About Kobo Vault

Kobo Vault provides digital financial services that enable users to manage funds, make payments, create virtual cards, and access related financial tools through our platform.

3. Eligibility

To use Kobo Vault, you must:

• Be at least 18 years old

• Have the legal capacity to enter into a binding agreement

• Meet any additional eligibility requirements that may apply based on your location

We reserve the right to refuse access to anyone who does not meet these requirements.

4. Account Registration

When creating an account, you agree to:

• Provide accurate, current, and complete information

• Keep your account credentials confidential

• Update your information when necessary

You are solely responsible for all activities that occur under your account.

5. Use of the Services

You agree to use Kobo Vault only for lawful purposes and in accordance with these Terms.

You must not:

• Engage in fraudulent or illegal activities

• Attempt unauthorized access to systems or accounts

• Interfere with the platform’s security or operations

• Use the Services in a way that harms Kobo Vault or other users

6. Fees & Charges

Certain services may be subject to applicable fees and charges. Where fees apply, they will be clearly disclosed before you complete a transaction.

By using paid services, you agree to the applicable fees.

7. Security Responsibilities

You are responsible for safeguarding your login credentials and account information.

You must notify Kobo Vault immediately if you suspect:

• Unauthorized access

• Fraudulent activity

• Security breaches related to your account

Failure to take reasonable security precautions may result in account suspension.

8. Service Availability

While Kobo Vault strives to provide uninterrupted and reliable services, we do not guarantee that the Services will always be available, secure, or error-free.

We may suspend or restrict access for maintenance, upgrades, or regulatory reasons.

9. Limitation of Liability

To the fullest extent permitted by law, Kobo Vault shall not be liable for:

• Indirect, incidental, or consequential damages

• Loss of profits, revenue, or data

• Service interruptions beyond our reasonable control

Your use of the Services is at your own risk.

10. Termination

Kobo Vault reserves the right to suspend or terminate your account if you:

• Violate these Terms

• Engage in fraudulent or unlawful activity

• Breach applicable laws or regulations

Termination may result in restricted access to your account and services.

11. Intellectual Property

All content, trademarks, logos, designs, and intellectual property related to Kobo Vault are owned by Kobo Vault or its licensors.

You may not copy, reproduce, distribute, or exploit any content without prior written permission.

12. Governing Law

These Terms shall be governed by and interpreted in accordance with the applicable laws of the jurisdiction in which Kobo Vault operates.

13. Changes to These Terms

We may update these Terms from time to time to reflect operational, legal, or regulatory changes.

Continued use of the Services after changes are posted constitutes your acceptance of the updated Terms.

14. Contact Information

If you have any questions about these Terms, please contact us at:

Email: support@kobovault.com