Kevula Terms of Service

1) Overview

Kevula provides a social shopping platform where members can discover and purchase digital goods (e.g., planners, templates, courses, apps), share purchases with followers, and potentially earn commissions when their direct followers purchase the same goods. Kevula is not an investment product, multi-level marketing (MLM) program, or Ponzi scheme. Earnings, if any, are based solely on real purchases of digital goods by your direct followers.

2) Eligibility

• You must be at least 18 years old (or the age of majority in your jurisdiction) to use Kevula.
• You may not use Kevula if you are barred from receiving services under applicable law or have been previously suspended or removed for violations.
• You represent that you will use Kevula in a personal capacity and not on behalf of any prohibited entity or for unlawful purposes.

3) Accounts & Security

• You are responsible for your account credentials and for all activity under your account.
• Provide accurate, current information and keep it updated. Kevula may require identity or bank verification for payouts.
• Enable security controls (e.g., 2FA) where available. Notify Kevula immediately of suspected unauthorized use.
• Kevula may suspend or terminate accounts for fraud, abuse, chargebacks, or violations of these Terms.

4) Platform & Digital Goods

• All products are digital goods delivered electronically. Unless required by law, digital goods are typically non-refundable once delivered.
• Digital goods are provided by Kevula and/or third-party creators/licensors. Kevula does not guarantee that any good will meet your specific needs.
• Features such as “automated purchase syndication” may require eligibility (e.g., a minimum follower threshold) and may change or be discontinued at any time.
• Kevula may update, modify, or remove goods, categories, or features in its discretion.

5) Commissions & Earnings

• You may earn commissions when your direct followers purchase a digital good that you previously purchased on Kevula.
• Commission rates are disclosed per product and are typically up to 30%, but may vary by product, territory, or promotion.
• Kevula does not pay for recruitment, downlines, or multi-tiered compensation. You earn only from purchases by your first-degree followers.
• Earnings are variable, are not guaranteed, and depend on follower engagement, product relevance, and overall platform activity.
• You are responsible for any applicable taxes on your earnings. Kevula may provide tax forms as required by law.

6) Payouts

• Accrued commissions are tracked in your account and paid on a monthly schedule to your linked bank account.
• Kevula provides a monthly statement detailing qualifying purchases and your total payout.
• Kevula may withhold, reverse, or adjust payouts due to refunds, chargebacks, suspected fraud, policy violations, or technical errors.
• You must maintain a valid payout method; inability to remit payment due to invalid details may delay or void payouts until corrected.

7) Spending Limits & Controls

• Kevula applies default spending limits to promote responsible participation. You may adjust limits in your account where available.
• Kevula may set or adjust limits, pauses, or velocity controls for risk management, compliance, or security reasons.

8) Fees, Refunds & Inactivity

• Prices, fees, and commissions are subject to change. Taxes may apply based on your location.
• Unless otherwise stated or required by law, digital good purchases are final. For erroneous or unauthorized purchases, contact support promptly.
• Inactivity: If you fund your Kevula wallet and do not use the platform (e.g., no purchases, no activity) for 90 days, unused funds may be returned to your original payment method minus payment processing fees. Timing and availability may vary by region and payment method.

9) User Content & Conduct

• You may post content (e.g., stories, comments). You retain ownership but grant Kevula a non-exclusive, worldwide, royalty-free license to host, display, and distribute such content in connection with the service.
• You represent that your content does not infringe rights of others, violate law, or include misleading, deceptive, harmful, or unlawful material.
• You will not misrepresent earnings, products, or Kevula; spam users; harass others; or post content that is hateful, obscene, or illegal.
• Kevula may remove content or restrict accounts that violate these Terms or applicable law.

10) Privacy & Data

• Kevula is privacy-first and does not sell your personal data to advertisers. See our Privacy Policy for details.
• Payments and payouts use industry-standard security and encryption. You understand that no system is 100% secure and agree to use reasonable safeguards (e.g., strong passwords, 2FA).
• You control what you share publicly on your profile and in posts.

11) Intellectual Property

• The Kevula platform, trademarks, and content are owned by Kevula or its licensors and are protected by IP laws.
• Digital goods remain the property of their respective creators/licensors. Unless expressly permitted, you may not copy, redistribute, or resell digital goods outside Kevula.
• You may not reverse engineer, decompile, or otherwise attempt to access source code or non-public systems.

12) Third-Party Services & Links

Kevula may integrate with third-party services (e.g., payment processors). Your use of such services may be subject to their terms and privacy policies. Kevula is not responsible for third-party products, services, or content.

13) Compliance & Prohibited Uses

• No unlawful, deceptive, or fraudulent activity; no pyramid/MLM schemes; no guaranteed-income claims.
• No scraping, rate-limiting circumvention, or interference with platform operations.
• No attempts to artificially inflate commissions, manipulate follower counts, or abuse refund/chargeback processes.
• Comply with all applicable laws, including advertising, consumer protection, tax, and financial regulations.

14) Disclaimers

Kevula provides the services “as is” and “as available” without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. Kevula does not warrant that the services will be uninterrupted, error-free, or that earnings will be generated.

15) Limitation of Liability

To the fullest extent permitted by law, Kevula is not liable for indirect, incidental, special, consequential, or exemplary damages; loss of profits or revenues; data loss; or security breaches beyond our reasonable control. Kevula’s aggregate liability for claims arising out of or related to the services shall not exceed the amounts you paid to Kevula (if any) in the 12 months preceding the claim.

16) Indemnification

You agree to indemnify and hold harmless Kevula and its officers, directors, employees, agents, as well as its parent company, CF Midas LLC, from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to your content, your use of the services, your violation of these Terms, or your violation of applicable law.

17) Suspension & Termination

• Kevula may suspend or terminate access for violations of these Terms, suspected fraud/abuse, non-payment, or legal/compliance reasons.
• You may delete your account at any time. Certain data may be retained as required by law or for legitimate business purposes (e.g., financial records).

18) Changes to the Terms

We may update these Terms from time to time. When we do, we will revise the “Effective date” above. Your continued use of Kevula after the updated Terms become effective constitutes acceptance.

19) Governing Law & Disputes

• These Terms are governed by the laws of Texas, USA, without regard to conflict-of-law rules.
• You agree to the exclusive jurisdiction and venue of the state or federal courts located in Collin County, Texas, except where applicable law provides otherwise. Either party may seek equitable relief for misuse of IP or breach of confidentiality.
• You and Kevula each waive the right to a jury trial to the extent permitted by law.

20) Miscellaneous

• Entire Agreement: These Terms, along with any referenced policies (e.g., Privacy Policy), constitute the entire agreement between you and Kevula.
• Severability: If any provision is unenforceable, the remaining provisions remain in effect.
• No Waiver: A failure to enforce a provision is not a waiver of that provision.
• Assignment: You may not assign these Terms without Kevula’s consent. Kevula may assign in connection with a merger, acquisition, or sale of assets.
• Electronic Communications: You consent to receive notices electronically (e.g., in-app, email).

21) Contact