Terms Of Service

This page outlines the rules and conditions that govern your use of our services and website. By accessing and using our platform, you agree to abide by these terms, ensuring a safe and respectful environment for all users.

User Agreement

This User Agreement (“Agreement”) is updated as of 26th July 2023, and it describes the terms by which you will be bound when you use the services accessible at www.kabocash.com (“Service”), our Mobile App or other service channels. Do not use the Service if you do not agree to be bound by these terms. By using the Service, you are agreeing to the terms of this Agreement.

As used throughout this Agreement, the terms “Kabocash Technologies”, “we”, “us”, and “our” refer to Kabocash Technologies, Inc., a North Carolina based Corporation, together with its employees, directors, successors/ investors, payment providers, and assigners. The terms “you” and “your” refer to users of the Service, whether as Senders or Recipients.


We recommend you use the Service to send money to friends and family and, therefore, you should not use the Service to send money to strangers. The service allows users to send international money transfers within United States, Europe, Asia and Africa or to other countries served or supported by Kabocash Technologies. A “Sender” uses the Service to send money and a “Recipient” receives money through the Service. A “Transaction” refers to an order to send money through the Service. The “Transaction Amount” is the amount in US Dollars, Pounds, Nigerian Naira, Ghanian Cedis, Kenyan Shillings as well as Ugandan Shillings that the Sender provides to Kabocash Technologies for transmittal to the Recipient. The “Payout Amount” is the amount paid out to the Recipient.

In addition, in order to use the payment functionality of our application, you must open a “Domiciliary Account” provided by Kabocash Technologies , Inc. and you must accept the settlement. You authorize us to collect and share with Dwolla your personal information including full name, [date of birth, social security number, physical address] email address and financial information, and you are responsible for the accuracy and completeness of that data. You understand that you will access and manage your Dwolla Account through our application, and Dwolla account notifications will be sent by us, not Dwolla. We will provide customer support for your Dwolla Account activity, and can be reached at www.kabocash.com, hello@kabocash.com and/or support@kabocash.com


a. Age and Capacity. You must be at least eighteen (18) years old to create an account, access, or use the Service as a Sender. You must be able to form legally binding contracts under applicable law. Other restrictions may apply.

b. Others.. You may not submit or receive a Transaction on behalf of any other person or a third-party.

c. Residence within the countries we are operating.. The Service is available to residents of United States, United Kingdom, Uganda, Kenya, Cameroon, Ghana and Nigeria and could be also available in other countries in the near future. Please check the availability.

d. Offer and Acceptance.. If you submit a Transaction, you are requesting that we process your Transaction, an offer that we may accept or reject at our sole discretion.

e. Multiple Accounts.. Senders may only have one active account. If we determine that a Sender is using multiple accounts, we reserve the right to merge or terminate one or more of the accounts, limit the Sender's use of the Service, or refuse their continued use of the Service by freezing the account, most likely to flagged the account to be "under review"


a. Charges. With each Transaction you submit you are agreeing to pay us a service fee (“Service Fee”) in addition to the Transaction Amount. Payment in US dollars is due at the time the transaction is submitted for processing. If you submit a transaction that results in us being charged insufficient funds (“NSF”) fees, charge back fees, or other similar costs, you agree to reimburse Kabocash Technologies for all such fees.

b. Payment. For us to process your transaction, you authorize us to charge any of the payment instruments included in your payment profile (“Payment Instrument” includes any credit card, debit card, or bank account). If your payment fails, you authorize us to re-try one or more times using the same Payment Instrument. You warrant that you are an authorized and lawful user of the Payment Instruments.

c. Other Charges. We are not responsible for fees that may be imposed by financial institutions associated with your Payment Instruments. For example, some credit card issuers may treat the use of your credit card to use the Service as a “cash advance” and may impose additional fees and interest cost for the transaction. Kabocash Technologies is not responsible for any NSF fees, chargeback fees, or other, similar charges that might be imposed on you by your bank, credit card issuer, or other provider.


a. Service Providers. We work with local banks and other third-party outlets (each, a “Service Provider”) to make funds available to Recipients. As a Sender, you are appointing your Recipient as your agent for the purpose of receiving funds transmitted through the Service. We try to provide current information on our website about the location(s), availability, and hours of our Service Providers. However, we are not responsible for any inaccurate or incomplete information that may be posted on the website.

b. Verification. For cash pick-up transactions, recipients will be required to prove their identities before receiving funds by presenting valid identification from the country of resident. Also, Recipients may be required to provide a reference number, or another similar identifier associated with their Transaction(s).


a. General. We may refuse any Transaction or limit the amount to be transferred, either on a per transaction or aggregated basis. These limits may be imposed on individual accounts or linked accounts. We reserve the right at any time to modify or discontinue all or any part of the Service.

b. Delays. Your Transaction may be delayed by our effort to verify your identity and validate your Payment Instruments and otherwise comply with laws or manage our Financial Risk. You may be entitled to a refund in certain circumstances and you may cancel your transaction at any time while it is pending and not paid to the recipient.

c. Commercial Transactions. You should not use the Service to send money except to people that you know. We are not responsible for, the quality or delivery of goods or services that you pay for using the Service. You accept that using the Service to pay for goods and services is at your own risk.

d. Unauthorized Transactions. You may not use the Service in violation of this Agreement or applicable laws, rules or regulations. It is a violation of the Agreement to use the Service for any of the following: sexually-oriented materials or services, gambling activities, inmate, fraud, money-laundering, the funding of terrorist activities or organizations, or the purchase or sale of tobacco, tobacco related paraphernalia, firearms, prescription drugs, or other controlled substances; or to send money to a Recipient that has violated the Agreement. If you use the Service in connection with illegal conduct, Kabocash Technologies may report you to law enforcement agencies.

e. Ineligibility. Your Payment Instrument must be issued by a legitimate/ compliant financial institution. We may refuse Transactions from certain Senders and to certain Recipients that are included on the Specially Designated Nationals list, Non-cooperative Countries and Territories list, and such other lists as issued by different government agencies.

f. No Changes. We generally do not allow you to change the details of your Transaction once it's submitted to us for processing. It is your responsibility to make sure your transaction details are accurate.

g. Restricted Activities. In connection with your use of our website or the Service, or in the course of your interactions with Kabocash Technologies, a user or a third party, you will not:

h. Transactions to Africa. Kabocash Technologies processes transactions to Africa pursuant to the Organization for the Harmonization of Business Law in Africa (“Organization pour harmonization en Afrique du Droit des Affaires” or “OHODA”) as established with the Central Bank.


a. Privacy Policy. By agreeing to this Agreement, you acknowledge and consent to Kabocash Technologies's Privacy policy.

b. Customer Identification Program. Countries where we operates are highly regulated by the laws and requires we obtain similarly, verify, and record information about you. We may require that you provide us with nonpublic, personal, identifying information. We may also lawfully obtain information about you from other sources without your knowledge, including non-personal identifying information that we may obtain while you visit this website. Please see our Privacy policy.

c. Government Disclosures. We may provide information about you and your Transactions to government authorities and law enforcement agencies upon their request, as described in our Privacy Policy.

d. Verifying information. You authorize us to make any inquiries, to you or to others, which are necessary to validate the information that you provide to us. This may include asking you for additional information, requiring you to take steps to confirm ownership of your email address or financial instruments, verifying your information against third party databases, or through other sources.


a. Error Resolution. Let us know at any time if you have any problems with the Service. You can contact us using the contact information at the bottom of this Agreement. For more information about error resolution.

b. Refunds. You can cancel your transaction at any time prior to its completion. Completion means that your recipient claimed/received the money you sent either through cash pick-up, home delivery, bank account or mobile money deposit. Upon receipt of a cancellation request, we may confirm with our Service Providers to determine whether the transaction has been completed prior to initiating a refund. Once the transaction is completed, we can not proceed with any of refund. Make sure you follow the protocols before confirming the transaction. Reviewing the information is always advised before confirming your transactions.


You acknowledge that the Service, including the content of this website, text, graphics, logos, and images, as well as all other Kabocash Technologies copyrights, trademarks, logos, and product and service names are owned exclusively by Kabocash Technologies, Inc. (the “Kabocash Intellectual Property”).

You agree not to display, use, copy, or modify the Kabocash Technologies Intellectual Property in any manner. You are authorized solely to view and retain a copy of the pages of this website for your own personal, non-commercial use. You further agree not to:


We make reasonable efforts to ensure that Transactions are processed in a timely manner, but we make no representations or warranties regarding the time needed to complete processing because the Service is dependent on many factors outside our control.


You agree to indemnify and hold harmless. Kabocash Technologies, Service Providers, and their respective subsidiaries, officers, agents, partners, and employees from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of your use of the Service, your connection to the Service, your violation of the Agreement, or your violation of any rights of another.


In no event shall Kabocash Technologies, service providers, or their respective subsidiaries, officers, agents, partners, country directors or employees be liable for any direct, indirect, incidental, special, consequential or exemplary damages beyond the sum of $500.00 and NGN 425,000 (in addition to refunding the transaction amount and service fees), including but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses (even if Kabocash Technologies has been advised of the possibility of such damages) resulting from negligence on the part of Kabocash Technologies, disbursement partners, or their respective subsidiaries, officers, agents, partners, payments gateway or employees.


a. Governing Law.This Agreement shall be governed according to the laws of the State of North Carolina and all activities performed in connection with the Service shall be deemed to have been performed in Washington. Any controversy, dispute, or claim arising out of or relating to the Service or Agreement (a “Claim”) shall be governed by and construed in accordance with the laws of Washington, except that body of law governing conflicts of law.

b. Disputes with Kabocash Technologies.If a dispute arises between you and Kabocash Technologies, our goal is to learn about and address your concerns. If we are unable to address your concerns to your satisfaction, we will seek to provide you with a neutral and cost-effective means of resolving the dispute quickly. Disputes between you and Kabocash Technologies regarding the Service may be reported online to Customer Service; by telephone at Tel: +1 (919) 323 7791/ +256 (0) 757 783 458 whether in or outside the United States, or by mail at hello@kabocash.com Customer Service, 2224 7th Forks Road, Suite 1573 Raleigh, NC 27609, USA and or Kabo Cash Technologies (U) - SMC Limited, P.O Box 119701 Central Kampala GPO. And or Kabocash Technologies NIG. LTD, P.O Box 7044680, Kano State. Integrated with NDIC (31455227-0001)

c. Arbitration.You and Kabocash Technologies agree that any Claim will be settled by binding arbitration, except that each party retains the right to bring an individual action in small claims court. If a party elects' arbitration, that party will initiate such arbitration through an established alternative dispute resolution (ADR) provider mutually agreed upon by the parties. The ADR provider and the parties must comply with the following rules:

d. Costs and Fees.If your claim does not seek an award of more than $50,000.00 Kabocash Technologies will pay the fees associated with arbitration unless the arbitrator finds that either the substance of your Claim or the relief sought to be frivolous or brought for an improper purpose. If you prevail in arbitration, you may be entitled to an award of attorneys' fees and expenses, to the extent provided under applicable law. Kabocash Technologies will not seek, and hereby waives all rights it may have under applicable law to recover, attorneys' fees and expenses if it prevails in arbitration unless the arbitrator finds that either the substance of your Claim or the relief sought to be frivolous or brought for an improper purpose.

e. Forum for Disputes.Except as otherwise agreed by the parties or as described in section 12(c) above, you agree that any claim or dispute you may have against Kabocash Technologies must be resolved by a court located in USA. You agree to submit to the personal jurisdiction of the courts located within North Carolina, for the purpose of litigating all such claims or disputes.

f. Improperly Filed Litigation.All claims you bring against Kabocash Technologies must be resolved in accordance with section 12 of this Agreement. All claims filed or brought contrary to section 12 shall be considered improperly filed, and a breach of this Agreement.

g. Should you file a claim contrary to section 12. Kabocash Technologies may recover attorneys’ fees and costs (including in-house attorneys and paralegals) up to $1,000.00 USD, provided that Kabocash Technologies has notified you in writing of the improperly filed claim, and you have failed to promptly withdraw the claim.


You acknowledge that this Agreement shall be entered into electronically, and that the following categories of information (“Communications”) may be provided by electronic means:

Communications may be provided to you through the use of autodialed or prerecorded message calls or text messages at the telephone number(s) that you provide us with. We may contact you directly or we may share your phone number with service providers with whom we contract to provide such Communications. Standard telephone minute and text charges may apply. The hardware and software requirements for access to and retention of the Communications associated with the Service include a personal computer or other device which is capable of accessing the Internet; an Internet Web Browser; and a printer or other device capable of printing and/or retaining agreements and documents.

The Service does not allow for Communications to be provided in paper format or through other non-electronic means. You may withdraw your consent to receive Communications electronically, but if you do, your use of the Service shall be terminated. In order to withdraw your consent, you must contact us using our contact information at the end of this Agreement.


a. Entire Agreement.The Agreement constitutes the entire agreement between you and Kabocash Technologies and governs your use of the Service, superseding any prior agreements between you and Kabocash Technologies.

b. No Waiver.The failure of Kabocash Technologies to exercise or enforce any right or provision of the Agreement shall not constitute a waiver of such right or provision. If any provision of the Agreement is found by an arbitrator or court of competent jurisdiction to be invalid, the parties nevertheless agree that the arbitrator or court should endeavor to give appropriately valid effect to the intention of the Agreement as reflected in the provision, and the other provisions of the Agreement shall remain in full force and effect.

c. Force Majeure.We shall not be liable for any failure or delay in the performance of the Service to the extent such failure or delay is caused by matters beyond our reasonable control, including, without limitation: changes in applicable laws; closure or unavailability of required physical and network infrastructure, sovereign default, power or internet failure, civil unrest, war, and earthquake, fire, flood, or other natural disasters.

d. Modification.We may modify this Agreement from time to time without notice to you, except as may be required by law. You can review the most current version of the Agreement at any time by reviewing this website. You may terminate your use of the Service if you do not agree with any modification or amendment. If you use the Service after the effective date of an amendment or modification, you shall be deemed to have accepted that amendment or modification. You agree that you shall not modify this Agreement and acknowledge that any attempts by you to modify this Agreement shall be void.

e. Other Terms.This Agreement may be supplemented by terms applicable to other promotions, our Referral Program, and other terms applicable to you based upon your use of the Service. These terms are incorporated into this Agreement by reference. To the extent that any of these terms are determined to be in conflict with this Agreement, this Agreement shall control.


Your security is very important to Kabocash Technologies, and we use a variety of security measures to make sure that your information is secure. We urge you to think carefully before sending money to anyone that you do not know well. In particular, you should be cautious of deals or offers that seem too good to be true. If you think you have been or might be a victim of fraud, please contact us immediately by telephone at: +1 (919) 323 7791/ +256 (0) 757 783 458 or by mail at hello@kabocash.com

If you are aware of anyone or any entity that is using the Service inappropriately, please email us at support@kabocash.com. If you receive any fake (phishing) emails, purporting to be from Kabocash Technologies, please forward them to us at hello@kabocash.com


This Agreement is drafted in the English language and translations may be provided in other languages. You agree that the English version of the Agreement will control in the event of any inconsistency between the English and translated versions in any dispute related to this Agreement.


Questions, notifications, and requests for refunds or further information can be sent to Kabocash Technologies, as follows: hello@kabocash.com; by telephone at: +1 (919) 323 7791/ +256 (0) 757 783 458 or by mail at support@kabocash.com: Customer Service.

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