Terms of Service

These Terms of Service (“Terms”) govern your access to and use of the Kazinum platform, including the website at kazinum.com, the Kazinum Card system, and all related services (“the Service”).

By creating an account, posting a job, or using the Service in any way, you agree to these Terms. If you do not agree, do not use the Service.

These Terms are governed by the laws of the Republic of Kenya.

1. What Kazinum is (and is not)

Kazinum is a trust and verification platform. We provide tools for workers to build a proof-backed reputation and for customers to verify that reputation before hiring.

• We are not an employment agency. Workers are independent service providers. Kazinum does not employ, supervise, or direct workers, and is not responsible for the quality of their work.
• We are not a payment processor. Payments between customers and workers are processed by Safaricom M-Pesa. Kazinum provides the STK push trigger and records the Safaricom confirmation code as proof — we do not hold funds in escrow.
• We are not a communications platform. Customer-worker communication happens on WhatsApp. We do not access or store those messages.

2. Eligibility

To use Kazinum you must:

• Be at least 18 years of age.
• Be a resident of Kenya or operating in Kenya.
• Have a valid Kenyan mobile number capable of receiving M-Pesa transactions (required for payment-verified features).
• Provide accurate information when creating your account or profile. False information — including false names, fabricated job history, or impersonation — is a material breach of these Terms.

3. Worker accounts and Kazinum Cards

3.1 Creating your Card

When you create a Kazinum Card, you grant us a non-exclusive, royalty-free licence to display your profile information (name, trade, location, bio, photos, verification status, and score) on your public card URL for as long as your account is active.

3.2 Accuracy

You are solely responsible for the accuracy of your profile. Claiming skills, certifications, or a location you do not genuinely hold is a breach of these Terms and may result in account suspension.

3.3 Kazinum Score

Bronze, Silver, and Gold tiers are computed automatically based on your verified job count, identity verification status, and review history. Tiers cannot be purchased and cannot be manually assigned except by Kazinum admins (e.g. following a successful identity verification). Kazinum reserves the right to adjust scoring criteria over time.

3.4 Free vs Pro

Free accounts include a public Kazinum Card with up to 5 profile photos and 3 skill categories. Pro accounts unlock additional photos, more skill categories, and access to analytics. Pro pricing is displayed in the app at the time of upgrade. Fees are non-refundable except as required by Kenyan consumer law.

4. Job posting

You may post a job without creating an account. By submitting a job description you represent that the job is real, lawful, and not intended to deceive or defraud workers.

Job descriptions are processed by an AI model to extract structured fields. Kazinum does not guarantee the accuracy of AI-extracted fields. You are responsible for reviewing the extracted information before confirming.

Jobs involving illegal activities, hate speech, harassment, exploitation, or adult services are prohibited and will be removed.

5. Payments and verified transactions

5.1 How payment verification works

When a customer initiates a verified hire through Kazinum, we trigger an M-Pesa STK push to the customer’s phone. The customer enters their M-Pesa PIN directly with Safaricom — Kazinum never receives or stores PINs. Upon Safaricom confirming the transaction, Kazinum records the confirmation code, amount, timestamp, and worker as permanent proof.

5.2 Platform fees

Kazinum does not charge customers a transaction or service fee. The only paid feature on the platform is the optional Pro subscription for workers. Kazinum reserves the right to introduce fees in the future; any such change will be communicated to users before taking effect.

5.3 Disputes

Kazinum is not a party to the contract between customer and worker. Disputes about work quality, refunds, or payment errors between a customer and worker are a matter between those parties. Kazinum will cooperate with verified dispute resolution requests and, in cases of clear fraud, may reverse proof records. Contact support@kazinum.com with your Safaricom confirmation code and a description of the issue.

5.4 Chargebacks and fraud

Initiating a false M-Pesa transaction, exploiting STK callback behaviour, or attempting to manipulate verified job counts is fraud and may be reported to the relevant Kenyan authorities.

6. Reviews and reputation

Reviews on Kazinum are only possible after a payment-verified hire. This means every review corresponds to a real completed job confirmed by M-Pesa. Reviews are permanent and cannot be deleted by the worker.

Posting a false, misleading, or defamatory review is a breach of these Terms. Kazinum may remove reviews following a moderation investigation. To dispute a review, contact support@kazinum.com.

7. Prohibited conduct

You may not:

• Create multiple accounts to manipulate your Kazinum Score.
• Attempt to access another user’s account or data.
• Scrape, crawl, or automate requests to the platform without our written permission.
• Use the platform to send spam, phishing messages, or unsolicited commercial communications.
• Impersonate another person, business, or Kazinum itself.
• Post content that is defamatory, discriminatory, hateful, sexually explicit, or otherwise unlawful under Kenyan law.
• Circumvent or attempt to circumvent any security measure, rate limit, or access control.

Violations may result in immediate account suspension without refund of any paid fees.

8. Suspension and termination

Kazinum may suspend or terminate your account if you breach these Terms, if your account is reported for fraud or harassment, or if continued access poses a risk to other users or the platform.

You may close your account at any time by contacting support@kazinum.com. Account deletion removes your public card from view. Verified payment records may be retained in anonymised form per our Privacy Policy.

9. Intellectual property

The Kazinum name, logo, score system, and platform software are our intellectual property. You may not reproduce, redistribute, or create derivative works from them without written permission.

You retain ownership of your profile content (photos, bio, work history). You grant Kazinum a licence to display this content on the platform as described in Section 3.1.

10. Disclaimers and limitation of liability

The Service is provided “as is” without warranties of any kind. Kazinum does not guarantee that workers listed on the platform will perform work to any particular standard, or that customers will pay as agreed.

To the maximum extent permitted by Kenyan law, Kazinum’s aggregate liability for any claim arising from use of the Service is limited to the total fees you paid to Kazinum in the 3 months preceding the claim.

We are not liable for indirect, incidental, consequential, or punitive damages arising from your use of — or inability to use — the Service.

11. Changes to these Terms

We may revise these Terms as the platform evolves. Material changes will be communicated via SMS or in-app notice at least 14 days before taking effect. Continued use of the Service after that date constitutes acceptance of the revised Terms.

12. Governing law and disputes

These Terms are governed by the laws of Kenya. Any dispute arising from these Terms shall first be submitted to good-faith mediation. If mediation fails, disputes shall be resolved in the courts of Nairobi, Kenya.