Terms of Service

1. Definitions

In these Terms of Service ("Terms"), the following definitions apply:

2. Acceptance of Terms

By registering for an account or using the Platform, you agree to be bound by these Terms, our Privacy Policy, our AML Policy, and our Cookie Policy. If you do not agree, you must not use the Platform.

These Terms constitute a legally binding agreement between you and Earnflow Technologies Ltd. and are governed by the laws of the DIFC, Dubai, UAE.

3. Eligibility

To use the Platform, you must:

• —Be at least 18 years of age
• —Be a natural person (not a corporation or other legal entity, unless separately agreed in writing)
• —Be a resident of a supported corridor country (Kenya, Somalia, Ethiopia, Uganda, Ghana, or Djibouti)
• —Have an active account on at least one supported social media platform (TikTok, YouTube, or Meta)
• —Not be subject to any sanctions administered by OFAC, the UN Security Council, the EU, or HM Treasury
• —Not be a Politically Exposed Person (PEP) without prior written approval from Earnflow's compliance team

4. Account Registration and KYC

You must complete our Know Your Customer (KYC) onboarding process before accessing payment services. This includes providing a government-issued identity document, proof of address, and linking your social media platform account. You represent and warrant that all information you provide is accurate, complete, and up to date.

Earnflow reserves the right to refuse registration, suspend, or terminate your account at any time if we are unable to verify your identity, if you fail to meet eligibility requirements, or if we have reasonable grounds to suspect fraudulent or unlawful activity.

5. Services Description

Earnflow provides a technology orchestration layer that routes settlement instructions between licensed financial institutions. Earnflow does not hold client funds in its own name; all funds are held by our banking partner (Lorum / Fuse Bank) in accordance with applicable DIFC regulations.

Settlement timelines, exchange rates, and fees are displayed in the Platform at the time of each transaction. Exchange rates are indicative and may vary between the time of quote and execution. Earnflow charges a platform fee of 2.5% per transaction, deducted from the USD amount before conversion.

6. Prohibited Uses

You must not use the Platform to:

• —Launder money, finance terrorism, or evade sanctions
• —Process funds on behalf of third parties without prior written consent
• —Engage in fraudulent, deceptive, or misleading conduct
• —Circumvent or attempt to circumvent our KYC/AML controls
• —Upload false, forged, or altered identity documents
• —Violate any applicable law, regulation, or regulatory guidance
• —Reverse-engineer, decompile, or attempt to extract source code from the Platform
• —Transmit malware, viruses, or other harmful code

7. Fees and Charges

Earnflow reserves the right to amend its fee schedule with 30 days' written notice.

8. Intellectual Property

All content, software, trademarks, logos, and other intellectual property on the Platform are owned by or licensed to Earnflow Technologies Ltd. You are granted a limited, non-exclusive, non-transferable licence to access and use the Platform solely for the purposes described in these Terms. You may not reproduce, distribute, or create derivative works from any Platform content without our prior written consent.

9. Limitation of Liability

To the maximum extent permitted by DIFC law, Earnflow's total aggregate liability to you for any claim arising out of or in connection with these Terms or the Services shall not exceed the total fees paid by you to Earnflow in the twelve (12) months preceding the claim.

Earnflow shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, loss of data, or business interruption, even if advised of the possibility of such damages.

Earnflow does not guarantee the availability of any specific exchange rate, settlement speed, or corridor availability, as these depend on third-party financial institutions and mobile money operators.

10. Termination

You may close your account at any time by contacting [email protected]. Any pending settlements will be processed before closure. Earnflow may suspend or terminate your account immediately and without notice if you breach these Terms, if required by law or a regulatory authority, or if we determine that continued operation poses a risk to our platform or other users.

11. Governing Law and Dispute Resolution

These Terms are governed by the laws of the Dubai International Financial Centre (DIFC). Any dispute arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the DIFC Courts, unless you and Earnflow agree in writing to submit the dispute to arbitration under the DIFC-LCIA Arbitration Rules.

12. Amendments

Earnflow reserves the right to amend these Terms at any time. Material changes will be communicated to you by email and/or in-platform notification at least 14 days before they take effect. Your continued use of the Platform after the effective date constitutes acceptance of the revised Terms.

13. Contact