Welcome to KayyaX. These Terms of Service ("Terms," "Agreement") constitute a legally binding agreement between you ("User," "you," "your") and Modularpath Systems, trading as KayyaX ("KayyaX," "Company," "we," "us," "our"), a company registered under the laws of the Republic of Ghana, governing your access to and use of the KayyaX platform, including our mobile applications, websites, APIs, software, and all related services (collectively, the "Platform" or "Services").

PLEASE READ THESE TERMS CAREFULLY BEFORE USING OUR SERVICES. BY ACCESSING OR USING THE KAYYAX PLATFORM, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE TO THESE TERMS, YOU MAY NOT ACCESS OR USE OUR SERVICES.

These Terms include our Privacy Policy, Cookie Policy, and any additional terms, policies, or guidelines incorporated by reference.

1. Definitions

For the purposes of this Agreement, the following definitions apply:

"Customer" means any user who requests and receives transportation or delivery services through the Platform.
"Rider" means an independent contractor who provides transportation and/or delivery services to Customers through the Platform using their own motorcycle.
"Vendor" means a business or individual that sells goods through the Platform for delivery to Customers.
"Trip" means a transportation service provided by a Rider to a Customer.
"Delivery" means the transportation of goods from a Vendor or sender to a Customer or recipient.
"Fare" means the fee charged for a Trip or Delivery, as calculated by the Platform.
"Pricing Page" means the page at kayyax.com/pricing where KayyaX publishes its current plan prices and charge rates.
"Plan" means the Free plan or one of the paid Plans, KayyaX Starter, KayyaX Pro or KayyaX Business, as described in Section 7.
"Commission" means the share of the goods on an online order delivered by a KayyaX Rider that KayyaX keeps from the Vendor, as described in Section 8.
"Payment Fee" means the share of a payment that KayyaX keeps from the Vendor when KayyaX collected that payment through Paystack, as described in Section 8.
"Service Fee" means the fee a Customer pays KayyaX on an online order. It is shown to the Customer at checkout and is never charged to the Vendor.
"Delivery Fee" means the fee a Customer pays for an order to be delivered by a Rider.
"Rider Commission" means the share of the Fare or Delivery Fee that KayyaX keeps from the Rider.
"Content" means text, images, photos, audio, video, location data, ratings, reviews, and all other forms of data or communication.
"User Account" means the account created by a User to access the Platform.

2. Description of Services

2.1 Platform Overview

KayyaX operates a technology platform that facilitates:

Motorcycle Transportation: Connecting Customers who need rides with independent Riders who provide motorcycle transportation services ("okada")
Delivery Services: Enabling Customers to send packages and documents, and receive goods ordered from Vendors
Vendor Marketplace: Allowing Vendors to list and sell their products for delivery to Customers
Payment Processing: Facilitating cashless transactions between users

2.2 Nature of Services

KayyaX is a technology company, not a transportation or logistics company. We provide a platform that enables connections between users. Key clarifications:

KayyaX does not provide transportation services directly. Riders are independent contractors, not employees of KayyaX.
KayyaX does not own, operate, or maintain any motorcycles used for trips or deliveries.
KayyaX does not manufacture, sell, or deliver any goods. Vendors are independent businesses.
KayyaX does not guarantee the availability, quality, or safety of services provided by Riders or Vendors.

2.3 Service Availability

Our Services are currently available in select locations in Ghana. Service availability may vary by location, time, and demand. We reserve the right to modify, suspend, or discontinue Services in any area at any time.

3. User Eligibility and Account Registration

3.1 Eligibility Requirements

To use KayyaX Services, you must:

Be at least 18 years of age (or the legal age of majority in your jurisdiction)
Have the legal capacity to enter into binding contracts
Not be prohibited from using the Services under applicable law
Not have been previously suspended or removed from the Platform
Comply with all applicable local, state, national, and international laws and regulations

3.2 Account Registration

To access certain features of the Platform, you must create a User Account. When registering, you agree to:

Provide accurate, current, and complete information as requested
Maintain and promptly update your information to keep it accurate and complete
Create only one personal account (multiple accounts are prohibited unless authorized)
Not use false identities or impersonate any person or entity
Not create accounts on behalf of others without their authorization

3.3 Account Security

You are responsible for:

Maintaining the confidentiality of your login credentials (password, PIN, OTP)
All activities that occur under your account, whether authorized or unauthorized
Immediately notifying KayyaX of any unauthorized use or security breach
Ensuring your account is not used by any other person

KayyaX is not liable for any loss or damage arising from unauthorized account access due to your failure to protect your credentials.

3.4 Additional Requirements for Riders

To register as a Rider, you must additionally:

Be at least 18 years of age
Hold a valid Ghanaian driver's license with the appropriate class for motorcycles
Own or have legal access to a motorcycle that meets our vehicle requirements
Have valid vehicle registration and roadworthiness certificate
Maintain adequate insurance coverage as required by law
Complete our identity, license, vehicle, and document verification process
Complete the required onboarding and training
Provide a functioning smartphone capable of running the KayyaX Rider app
Maintain membership with the Kayya Riders Association of Ghana (where applicable)

3.5 Additional Requirements for Vendors

To register as a Vendor, you must additionally:

Operate a legitimate business with all required licenses and permits
Have a valid Tax Identification Number (TIN)
Comply with all applicable health, safety, and food handling regulations (for food vendors)
Provide accurate business information, product descriptions, and pricing
Maintain the quality and availability of listed products
Have the capability to prepare and package orders for delivery

4. User Responsibilities and Conduct

4.1 General Obligations

All users agree to:

Comply with all applicable laws, regulations, and these Terms
Use the Services only for lawful purposes and in accordance with these Terms
Respect the rights, dignity, and safety of other users
Maintain a rating above the minimum threshold required for continued Platform access
Report any safety concerns, incidents, or violations to KayyaX
Cooperate with KayyaX in any investigation of suspected violations

4.2 Prohibited Conduct

You agree NOT to:

Safety Violations

Engage in any behavior that endangers the safety of any person
Use the Services while impaired by alcohol, drugs, or any intoxicating substance
Carry or transport weapons, explosives, or hazardous materials
Transport illegal drugs or controlled substances
Exceed legal speed limits or violate traffic laws
Use a mobile phone while riding (for Riders) except through hands-free devices
Allow unauthorized passengers or exceed vehicle capacity

Fraudulent or Deceptive Conduct

Provide false, misleading, or fraudulent information
Create fake accounts, trips, or orders
Manipulate pricing, ratings, or incentive programs
Engage in fare fraud or payment fraud
Collude with other users to defraud KayyaX or other users
Use stolen payment methods or financial information

Harassment and Discrimination

Harass, threaten, intimidate, or stalk any user or KayyaX personnel
Use offensive, abusive, discriminatory, or hateful language
Discriminate against any user based on race, ethnicity, religion, gender, sexual orientation, disability, or any protected characteristic
Make unwanted physical contact or engage in sexual misconduct
Record other users without their consent (except for safety documentation)

Platform Abuse

Interfere with or disrupt the Services, servers, or networks
Attempt to gain unauthorized access to any part of the Platform
Use automated systems, bots, or scripts to access the Platform
Reverse engineer, decompile, or disassemble any software
Circumvent any security or access control measures
Scrape, mine, or extract data from the Platform
Use the Platform for commercial purposes without authorization
Solicit users to use competing services

Content Violations

Post or transmit any Content that is illegal, harmful, threatening, abusive, defamatory, or obscene
Infringe on any intellectual property rights
Distribute spam, chain letters, or unsolicited advertising
Post Content containing viruses, malware, or harmful code

4.3 Consequences of Violations

Violations of these Terms may result in:

Warning or notification
Temporary suspension of account or access
Permanent deactivation of account
Forfeiture of any earnings, bonuses, or incentives
Reporting to law enforcement authorities
Civil or criminal legal action

KayyaX reserves sole discretion to determine violations and appropriate consequences.

5. Trips and Deliveries

5.1 Requesting Services

When you request a Trip or Delivery:

You provide pickup and drop-off locations
The Platform estimates the Fare based on distance, time, and demand
You may see an estimated Fare before confirming the request
The request is sent to nearby available Riders
A Rider may accept or decline the request at their discretion
Once accepted, you will receive Rider details and status updates for supported trips and deliveries

5.2 Fare Calculation

Fares are calculated using our proprietary algorithm based on:

Base Fare: Initial charge for the trip
Distance: Charge per kilometer traveled
Time: Charge per minute during the trip
Demand Multiplier: Dynamic pricing during high-demand periods ("surge pricing")
Tolls and Fees: Any applicable road tolls or surcharges

Fare estimates are not guaranteed. The final Fare may differ due to route changes, traffic conditions, or waiting time. You will see the final Fare upon trip completion.

5.3 Surge Pricing

During periods of high demand (peak hours, bad weather, special events), Fares may increase through dynamic pricing ("surge"). Surge multipliers will be displayed before you confirm a request. By confirming during surge pricing, you accept the higher Fare.

5.4 Cancellations

Customer Cancellations:

You may cancel a Trip request before a Rider is assigned without charge
After a Rider accepts, a cancellation fee may apply
A higher cancellation fee may apply once the Rider has arrived or the Trip has started
Repeated cancellations may affect your account standing

Rider Cancellations:

Riders may cancel accepted requests, though excessive cancellations affect their rating and standing
Riders may charge a cancellation fee if they arrive at the pickup location and wait beyond the grace period

5.5 No-Shows

If you are not present at the pickup location when the Rider arrives:

The Rider will wait for the designated grace period (typically 3-5 minutes)
The Rider will attempt to contact you
If you do not appear, the Rider may cancel and a no-show fee will be charged

5.6 Safety During Trips

For your safety:

Helmets: Riders are required to provide a clean helmet. You should always wear the helmet during the Trip.
Route Verification: Verify the route on the app and communicate any concerns to the Rider.
Support Follow-up: Contact support promptly if you need help with a trip, delivery, or rider issue.
Trip Records: Route and status records may be retained to investigate disputes and safety incidents.
Ratings: Rate your Rider after each Trip to help maintain platform quality.

6. Payments and Financial Terms

6.1 Payment Methods

KayyaX accepts the following payment methods:

Mobile Money: MTN Mobile Money, Vodafone Cash, AirtelTigo Money
Debit/Credit Cards: Visa, Mastercard (processed through secure payment gateways)
KayyaX Wallet: Pre-loaded digital wallet within the app
Cash: Cash payments to Riders (where enabled)
Corporate Accounts: For business users with approved credit terms

6.2 Payment Authorization

By adding a payment method, you authorize KayyaX to:

Charge the selected payment method for Fares, fees, and other applicable charges
Automatically charge for services rendered, including Trip fares, Delivery charges, and cancellation fees
Store payment information for future transactions
Verify the validity of payment methods through test charges

6.3 Pricing and Fees

The charges on the Platform are:

Commission: Charged to Vendors only on online orders delivered by a KayyaX Rider (see Section 8)
Payment Fee: Charged to Vendors only when KayyaX collected the payment through Paystack (see Section 8)
Service Fee: Paid by Customers on online orders and shown at checkout (see Section 8)
Delivery Fee: Paid by Customers on orders delivered by a Rider and shown at checkout
Rider Commission: KayyaX's share of the Fare or Delivery Fee, kept from the Rider's earnings and shown to Riders
Plan Prices: What a Vendor pays for a paid Plan (see Section 7)
Cancellation Fees: As described in Section 5.4
No-Show Fees: As described in Section 5.5
Damage Fees: For damage to Rider's vehicle or equipment caused by Customer
Cleaning Fees: For excessive mess or soiling during a Trip

All fees will be clearly disclosed before you complete a transaction.

6.4 Rider Payments

For Riders:

Riders receive the Fare or Delivery Fee less KayyaX's Rider Commission (see Section 8.6)
Earnings are deposited to the Rider's registered mobile money or bank account
Payment processing typically occurs within 24-48 hours
Detailed earnings statements are available in the Rider app
Riders are responsible for their own taxes on earnings

6.5 Vendor Payments

For Vendors:

Money a Vendor collects itself (cash, its own Mobile Money number, its own card terminal, bank transfer or credit) goes straight to the Vendor, and KayyaX takes nothing from it
For payments KayyaX collects for a Vendor, the Vendor receives the amount collected less any Commission or Payment Fee that applies under Section 8
The Service Fee and Delivery Fee a Customer pays are not part of the Vendor's earnings and are never deducted from them
Payments are processed according to the agreed settlement schedule
Vendors are responsible for accurate pricing and applicable taxes

6.6 Refunds and Disputes

Refunds may be issued at KayyaX's discretion for:

Duplicate charges or technical errors
Services not rendered as described
Significant route deviations without justification
Safety incidents or policy violations by service providers

To request a refund, contact KayyaX Support within 7 days of the transaction. Refunds are processed to the original payment method within 5-10 business days.

6.7 Promotions and Credits

KayyaX may offer promotional credits, discounts, or referral bonuses. These are subject to:

Specific terms and conditions of each promotion
Expiration dates and usage limitations
One promotion per trip or transaction unless otherwise stated
Non-transferability and no cash value
Revocation for fraud or abuse

7. Vendor Plans and Subscriptions

7.1 Plans

Every Vendor shop is on one of four Plans:

Free: The Free plan costs nothing and has no end date.
KayyaX Starter, KayyaX Pro and KayyaX Business: Paid Plans with features above the Free plan, in that order. Each paid Plan includes everything in the Plans below it. KayyaX Business includes everything.

The features of each Plan, and what each Plan includes in staff seats, branches, monthly SMS texts and monthly AI credits, are listed in the KayyaX console and, when published, on the Pricing Page. Restaurants have their own Plans, which are shown in the KayyaX console.

7.2 Price

A paid Plan can be paid for by the month or by the year. Its price is the price shown in the KayyaX console at the time you pay, and on the Pricing Page when published. You see the Plan, the price and the period it covers before you pay. The price of KayyaX Pro and KayyaX Business is not published: it is agreed with KayyaX sales and confirmed to the Vendor before payment.

7.3 Free Trial

Each shop may have one free trial, once only, of the length shown in the KayyaX console. The free trial includes everything in KayyaX Business. When the trial ends, the shop returns to the Free plan unless you have paid for a Plan. A Plan you pay for during the trial starts when the trial ends.

7.4 Paying for a Plan

You pay for a Plan through a Paystack checkout, by Mobile Money or card.
Each payment makes your shop's Plan paid until a date, which is shown in the KayyaX console.
A paid Plan does not continue automatically and KayyaX never charges you for it without your action. To keep it, pay again before or after the paid-until date.

7.5 Changing Plans

The same Plan again: the new period starts when the period you have already paid for ends.
A higher Plan: it starts as soon as you pay. The days left on your lower Plan are not refunded and are not carried over.
A lower Plan: you can pay for it only after the period of your higher Plan ends.

7.6 When the Paid Period Ends

After the paid-until date there is a grace period of 5 days, during which your Plan stays available. If you have not paid again by the end of the grace period, your shop returns to the Free plan. Nothing your shop added is deleted. Features above the Free plan become unavailable until you pay for a Plan that includes them again. The same applies when a shop moves to a Plan that does not include a feature it was using.

7.7 Changes to Plans

KayyaX may change which Plan includes a feature, what a Plan includes, or a Plan's price. KayyaX will tell affected Vendors in the KayyaX console at least 14 days before such a change applies to them. A change never affects a period you have already paid for.

7.8 Plans Do Not Change Order Charges

Your Plan never changes what an order costs. The charges in Section 8 are the same on every Plan.

8. Charges on Orders

KayyaX's charges on Vendor orders depend only on how the order was placed, who collected the payment and whether a KayyaX Rider delivered it. The current rates are published on the Pricing Page.

8.1 Sales the Shop Collects Itself

For a sale at the counter or a table that the shop collects itself, KayyaX charges no Commission and no Payment Fee. This covers payment in cash, to the shop's own Mobile Money number, through the shop's own card terminal, by bank transfer, or on credit.

8.2 Payments KayyaX Collects Through Paystack

When KayyaX collects the payment through Paystack, the Vendor pays a Payment Fee at the rate published on the Pricing Page (currently 1.95%). This applies to:

A counter or table sale paid by a Mobile Money prompt sent from KayyaX, or by scanning a KayyaX QR code (which charges the payer's Mobile Money number through Paystack). The fee is a share of that payment.
An online order collected by the Customer (pickup) and paid online through Paystack. The fee is a share of the goods.

There is no Commission on these orders.

8.3 Online Orders Delivered by a KayyaX Rider

On an online order delivered by a KayyaX Rider, the Vendor pays a Commission at the rate published on the Pricing Page (currently 15% of the goods), unless KayyaX has waived Commission for the shop. The Commission covers the Paystack charge, so there is no Payment Fee on these orders.

8.4 Pickups Paid by KayyaX Wallet or Cash

On an online order collected by the Customer and paid by KayyaX wallet or in cash, the Vendor pays no Commission and no Payment Fee.

8.5 What Customers Pay

On every online order, the Customer pays a Service Fee at the rate published on the Pricing Page (currently 5%, up to a maximum of currently GHS 20).
On an order delivered by a Rider, the Customer also pays the Delivery Fee.
Both are shown to the Customer before they pay. The shop never pays the Customer's Service Fee.

8.6 What Riders Receive

For a delivery, the Rider receives the Delivery Fee less KayyaX's Rider Commission at the rate published on the Pricing Page (currently 20%).

8.7 Changes to Rates

KayyaX may change its rates by giving notice on the Pricing Page. A new rate applies only to orders placed after the change. Orders placed before the change keep the rates that applied when they were placed.

9. Intellectual Property

9.1 KayyaX Intellectual Property

KayyaX owns all rights, title, and interest in:

The KayyaX name, logo, trademarks, and service marks
The Platform, including all software, code, algorithms, and technology
The design, layout, and look and feel of the Platform
All Content created by KayyaX, including text, graphics, images, and videos
All data, analytics, and insights derived from Platform usage

You may not copy, modify, distribute, sell, or lease any part of our Platform or intellectual property without our written consent.

9.2 License to Use the Platform

Subject to your compliance with these Terms, KayyaX grants you a limited, non-exclusive, non-transferable, revocable license to:

Download and install the KayyaX app on your personal device
Access and use the Platform for personal, non-commercial purposes

This license does not include the right to:

Modify, adapt, or create derivative works
Reverse engineer, decompile, or disassemble any software
Remove any copyright, trademark, or proprietary notices
Use the Platform for any commercial purpose without authorization

9.3 User Content

You retain ownership of Content you create and submit through the Platform (reviews, photos, messages). By submitting Content, you grant KayyaX a worldwide, non-exclusive, royalty-free, perpetual, irrevocable license to use, reproduce, modify, adapt, publish, translate, distribute, and display such Content for any purpose related to our Services.

You represent and warrant that:

You own or have the right to submit the Content
The Content does not infringe any third-party rights
The Content complies with these Terms and applicable law

9.4 Feedback

If you provide suggestions, ideas, or feedback about our Services, you grant KayyaX the right to use such feedback without any obligation to compensate you.

10. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and sharing of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

By using our Services, you consent to:

The collection and processing of your personal data as described in the Privacy Policy
The collection of precise location data to provide and improve Services
The sharing of your information with other users as necessary for service delivery
The use of cookies and similar technologies as described in our Cookie Policy

11. Disclaimers and Limitation of Liability

11.1 Disclaimer of Warranties

THE KAYYAX PLATFORM AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT
WARRANTIES THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE
WARRANTIES REGARDING THE ACCURACY, RELIABILITY, OR COMPLETENESS OF ANY CONTENT
WARRANTIES REGARDING THE QUALITY, SAFETY, OR LEGALITY OF SERVICES PROVIDED BY RIDERS OR VENDORS
WARRANTIES THAT THE SERVICES WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS

11.2 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

KAYYAX SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES.
KAYYAX'S TOTAL LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE SERVICES SHALL NOT EXCEED THE GREATER OF: (A) THE AMOUNT YOU PAID TO KAYYAX IN THE 12 MONTHS PRECEDING THE CLAIM, OR (B) GHS 500.
KAYYAX IS NOT LIABLE FOR ANY DAMAGES, LIABILITY, OR LOSSES ARISING FROM YOUR USE OF THE SERVICES OR ANY TRANSACTION BETWEEN YOU AND RIDERS, VENDORS, OR OTHER USERS.

11.3 Third-Party Services

KayyaX is not responsible for the acts or omissions of third parties, including Riders, Vendors, payment processors, or telecommunications providers. Any contract for services is between you and the relevant third party.

11.4 Force Majeure

KayyaX shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including natural disasters, war, terrorism, riots, pandemics, government actions, or failures of third-party services.

12. Indemnification

You agree to indemnify, defend, and hold harmless KayyaX and its officers, directors, employees, agents, affiliates, successors, and assigns from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

Your use of the Services
Your violation of these Terms
Your violation of any applicable law or regulation
Your violation of any rights of any third party
Your Content submitted through the Platform
Any dispute between you and another user
For Riders: Your provision of transportation services, including accidents, injuries, or property damage
For Vendors: Your products, services, or business operations

13. Dispute Resolution

13.1 Informal Resolution

Before initiating formal dispute resolution, you agree to first contact KayyaX and attempt to resolve any dispute informally. Most disputes can be resolved through our customer support channels within 30 days.

13.2 Arbitration

If informal resolution is unsuccessful, any dispute, controversy, or claim arising out of or relating to these Terms or your use of the Services shall be resolved by binding arbitration administered by the Ghana Arbitration Centre in accordance with its rules.

The arbitration shall be conducted in Accra, Ghana
The language of arbitration shall be English
The arbitrator's decision shall be final and binding
Judgment on the award may be entered in any court of competent jurisdiction

13.3 Class Action Waiver

YOU AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. You waive any right to participate in class actions or class-wide arbitration.

13.4 Exceptions

The following disputes are not subject to arbitration:

Claims for injunctive or equitable relief to protect intellectual property rights
Small claims court proceedings (where applicable)
Disputes required by law to be resolved in court

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Republic of Ghana, without regard to its conflict of law provisions. The courts of Ghana shall have exclusive jurisdiction over any legal proceedings arising out of or relating to these Terms.

15. Termination

15.1 Termination by You

You may terminate your account at any time by:

Using the account deletion feature in the app
Contacting customer support with a termination request

Upon termination, your right to use the Services will immediately cease.

15.2 Termination by KayyaX

KayyaX may suspend or terminate your account at any time, with or without cause or notice, including for:

Violation of these Terms or any KayyaX policy
Fraudulent, illegal, or harmful conduct
Repeated low ratings or user complaints
Extended inactivity
At our discretion for any business reason

15.3 Effect of Termination

Upon termination:

Your access to the Services will be revoked
Any pending transactions may be cancelled
Unused credits or promotional balances may be forfeited
For Riders: Outstanding earnings will be paid according to normal procedures
Provisions that by their nature should survive termination will remain in effect

16. General Provisions

16.1 Entire Agreement

These Terms, together with the Privacy Policy, Cookie Policy, and any additional terms incorporated by reference, constitute the entire agreement between you and KayyaX regarding the Services and supersede all prior agreements and understandings.

16.2 Modifications

KayyaX reserves the right to modify these Terms at any time. We will notify you of material changes through:

In-app notifications
Email to your registered address
Posting the updated Terms on our website

Your continued use of the Services after the effective date of any changes constitutes acceptance of the modified Terms. If you do not agree to the changes, you must stop using the Services.

16.3 Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions will continue in full force and effect. The invalid provision will be modified to the minimum extent necessary to make it valid and enforceable.

16.4 Waiver

No waiver of any term or condition of these Terms shall be deemed a further or continuing waiver of such term or any other term. KayyaX's failure to enforce any right or provision shall not constitute a waiver of that right or provision.

16.5 Assignment

You may not assign or transfer these Terms or your rights hereunder without KayyaX's prior written consent. KayyaX may assign these Terms without restriction.

16.6 Notices

Notices to you may be provided via the app, email, SMS, or posted on the Platform. Notices to KayyaX should be sent to legal@kayyax.com or to our physical address.

16.7 Language

These Terms are provided in English. In the event of any conflict between the English version and any translation, the English version shall prevail.

17. Contact Information

For questions or concerns about these Terms of Service, please contact us:

Modularpath Systems, trading as KayyaX
15 Independence Avenue, Ridge
Accra, Ghana

Legal Inquiries: legal@kayyax.com
Customer Support: support@kayyax.com
Phone: +233 30 277 8888
WhatsApp: +233 55 123 4567

Effective Date: 13 October 2026