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Terms of Service

Effective Date: January 1, 2026

Welcome to Ognimohub. These Terms of Service ("Terms") govern your access to and use of the Ognimohub website, mobile applications, and all related services (collectively, the "Service" or "Platform") provided by Ognimohub Agency ("Ognimohub," "we," "us," or "our").

By accessing, browsing, or using any part of the Ognimohub Service, you acknowledge that you have read, understood, and agree to be bound by these Terms, our Privacy Policy, and any other policies or guidelines incorporated herein. If you do not agree to these Terms, you must not access or use the Service.

PLEASE READ THESE TERMS CAREFULLY. THEY CONTAIN IMPORTANT INFORMATION REGARDING YOUR LEGAL RIGHTS, REMEDIES, AND OBLIGATIONS, INCLUDING LIMITATIONS, EXCLUSIONS, AND A BINDING DISPUTE RESOLUTION CLAUSE.

Ognimohub is a pioneering IT, Digital Marketing, and FinTech Agency dedicated to transforming the way individuals and businesses manage their financial interactions. Our platform serves users, agents, and merchants through a fully cross-platform Mobile Financial Services (MFS) solution enabling secure, scalable, and seamless digital financial transactions.

1. DEFINITIONS

For the purposes of these Terms, the following definitions shall apply:

"Account" means the user account created by an individual or entity to access and use the Ognimohub Service.
"Agent" means an individual or entity duly authorized by Ognimohub to provide specific services on its behalf, including cash-in and cash-out operations.
"API" means Application Programming Interface.
"Content" means any data, text, graphics, images, audio, video, software, or other information made available through the Service.
"Fiat Currency" means government-issued currency not backed by a physical commodity. "
FinTech" means financial technology.
"Intellectual Property Rights" means all intellectual property rights, including copyrights, patents, trademarks, trade secrets, and other proprietary rights.
"Merchant" means a business or individual using the Ognimohub Service to accept payments for goods or services.
"MFS" means Mobile Financial Services.
"PSP" means Payment Service Provider.
"Public Holiday" means any day officially designated as a public, national, or bank holiday in the jurisdiction in which the transaction or user account is registered or operated.
"Service" or "Platform" means the Ognimohub website, mobile applications, and all related services.
"User" means any individual or entity that accesses or uses the Ognimohub Service, including registered users, Agents, and Merchants.
"Virtual Card" means a digital payment card issued for online transactions.

2. ELIGIBILITY AND ACCOUNT REGISTRATION

2.1 Eligibility To use the Ognimohub Service, you must be at least eighteen (18) years of age and possess the full legal capacity to enter into a binding contract under applicable law. By using the Service, you represent and warrant that you satisfy these requirements. Ognimohub reserves the right, at its sole discretion, to refuse service, terminate accounts, or cancel orders without liability.

2.2 Account Creation Access to most features of the Service requires registration of an Account. By registering, you agree to:

  • Provide accurate, current, and complete information during registration and keep your Account information updated at all times.
  • Maintain the confidentiality and security of your password and login credentials.
  • Notify Ognimohub immediately at support@ognimohub.com upon becoming aware of any unauthorized use of your Account or any other breach of security.
  • Accept full responsibility for all activities occurring under your Account, whether authorized or unauthorized.

2.3 Identity Verification (KYC / AML Compliance) In compliance with applicable anti-money laundering (AML) and know-your-customer (KYC) regulatory obligations, Ognimohub may require you to submit personal information, including but not limited to your full legal name, email address, residential address, phone number, and government-issued identification documents. We reserve the right to verify your identity through third-party verification services and to request supplementary documentation as deemed necessary. Failure to complete identity verification to our satisfaction may result in the suspension or permanent termination of your Account and any associated funds being held pending regulatory review.

3. PRIVACY POLICY AND DATA PROTECTION

3.1 Data Collection Ognimohub collects the following categories of data to operate and improve its services, ensure platform security, and fulfil regulatory obligations:

  • Files and Documents (Optional): Collected for application functionality.
  • Financial Information: Payment details, transaction history, and credit profile — collected for functionality, fraud prevention, compliance, and account management.
  • Personal Information: Name, email address, user IDs, address, and phone number — collected for functionality, communications, fraud prevention, security, compliance, and account management.
  • Messages (Optional): Emails, SMS, MMS, and in-app messages — collected for functionality, marketing communications, and account management.
  • Application Performance Data: Crash logs, diagnostics, and performance metrics — collected for analytics, fraud prevention, security, and compliance.
  • Application Activity (Optional): In-app interactions and search history — collected for functionality and analytics.
  • Contacts (Optional): Collected for application functionality.
  • Photos and Videos (Optional): Collected for functionality and account management.

3.2 No Third-Party Data Sharing Ognimohub does not sell, rent, or share user data with third-party companies or organizations for commercial purposes. Your data is used solely for the purposes outlined in these Terms and our Privacy Policy.

3.3 Data Security Ognimohub employs industry-standard technical and organizational safeguards to protect your personal information against unauthorized access, disclosure, alteration, and destruction. All data transmitted through the Platform is encrypted in transit using secure TLS/SSL protocols.

3.4 Data Deletion Requests You have the right to request deletion of your personal data held by Ognimohub. Requests may be submitted via the in-app settings or by contacting support@ognimohub.com. Upon receipt of a valid request, we will take all reasonable steps to delete your data from our active systems, subject to any overriding legal, regulatory, or contractual obligations to retain such information.

3.5 Privacy Policy For a comprehensive understanding of how Ognimohub collects, processes, stores, and protects your personal information, please refer to our Privacy Policy, which is expressly incorporated by reference into these Terms.

4. GENERAL SERVICE FEATURES AND POLICIES

Ognimohub provides a comprehensive suite of Mobile Financial Services designed for seamless, secure, and scalable digital financial transactions. The following general policies apply to all features of the Platform.

4.1 Add Money Users may fund their accounts using a wide range of fiat and cryptocurrency payment methods, including over twenty (20) supported automated payment gateways (including Stripe and PayPal) as well as manual gateway options.

Add Money Policy: All funds added to a user's account must originate from legitimate, verifiable sources. Ognimohub reserves the right to request proof of funds and source-of-wealth (SoW) documentation at any time. Any attempt to deposit funds from suspicious, illicit, or unauthorized sources will result in immediate account suspension, freezing of the relevant funds, and mandatory reporting to applicable financial intelligence units and law enforcement authorities. Users bear sole responsibility for the legality and provenance of their funds.

4.2 Send Money Users may transfer funds to any other registered Ognimohub user instantly and securely.

Send Money Policy: Users are solely responsible for verifying recipient details prior to initiating any transfer. Ognimohub assumes no liability for funds transferred to incorrect recipients as a result of user error. All transactions are subject to Ognimohub's fraud detection systems. Suspicious or high-risk transactions may be delayed, held, or permanently blocked.

4.3 Mobile Recharge Users may top up mobile credit and purchase airtime directly from the Platform.

Mobile Recharge Policy: Services are subject to the availability, pricing, and operating terms of the respective mobile network operators. Users must ensure the accuracy of the recipient mobile number before confirming. Confirmed recharge transactions are final and cannot be reversed.

4.4 Cash Out and Withdrawals Users may withdraw funds to a linked bank account or other permitted withdrawal method, subject to the conditions outlined below.

Cash Out Policy: All withdrawal requests are subject to identity verification and may require additional compliance checks. Withdrawal limits apply based on account verification and applicable regulatory thresholds. Ognimohub reserves the right to hold, reject, or reverse any withdrawal request where there are reasonable grounds to suspect fraud, money laundering, or any other illicit activity.

PUBLIC HOLIDAY WITHDRAWAL RESTRICTION: Withdrawals, cash-out requests, and fund transfers are strictly prohibited on Public Holidays. Any withdrawal attempt on a Public Holiday will be automatically declined. Deliberate attempts to circumvent this restriction constitute a breach of these Terms and will result in the immediate suspension of the relevant Account. Users are advised to plan withdrawals in advance of Public Holidays.

INVESTMENT PROCEEDS — WITHDRAWAL ELIGIBILITY: Returns, profits, and principal amounts generated through Ognimohub investment plans are subject to a mandatory lock-in period and shall not be eligible for withdrawal, cash-out, bank transfer, or any form of utilization until the relevant investment plan has fully matured and been officially marked as completed by the Platform. Partial withdrawals, early redemptions, or any attempt to access locked funds prior to maturity are strictly prohibited and constitute a material breach of these Terms. Upon confirmed maturity, investment proceeds will be credited to the user's wallet balance and become fully withdrawable in accordance with standard withdrawal policies, subject to the Public Holiday restriction above.

4.5 Make Payment Users may pay for services, bills, or products through the Platform.

Make Payment Policy: Users are responsible for verifying the accuracy of payment details before confirmation. Ognimohub bears no responsibility for payments made to incorrect merchants or for incorrect amounts due to user error. Payments are generally irreversible once processed and confirmed.

4.6 Bank Transfer Users may initiate direct fund transfers to any supported bank account.

Bank Transfer Policy: Bank transfers are subject to the operating hours and policies of the involved financial institutions. Users must provide complete and accurate bank account details; incorrect details may result in delays, failed transfers, or permanent loss of funds, for which Ognimohub shall bear no liability. Bank transfers are prohibited on Public Holidays in accordance with Section 4.4.

4.7 Microfinance Ognimohub provides access to short-term microfinancing options.

Microfinance Policy: Microfinance services are governed by separate terms and conditions, including eligibility criteria, applicable interest rates, repayment schedules, and late payment penalties. Users must review, understand, and expressly agree to those specific terms before accessing microfinance facilities.

4.8 Virtual Card Users may generate virtual payment cards for secure online purchases.

Virtual Card Policy: Virtual cards are subject to specific usage limits, validity periods, and merchant acceptance restrictions. Users are solely responsible for the security of their virtual card credentials. Any unauthorized use must be reported to support@ognimohub.com immediately. Virtual cards are for online transactions only and are not valid for in-person transactions.

4.9 Utility Bill Payments Users may pay utility bills including electricity, water, gas, and other services through the Platform.

Utility Bill Payments Policy: Users are solely responsible for entering correct biller account details and reference numbers. Ognimohub bears no liability for late payment penalties or service disruptions arising from user error. Users should retain all payment confirmation receipts.

4.10 Donation Users may contribute to supported charitable causes directly through the Platform.

Donation Policy: All donations made through the Platform are final and non-refundable.

4.11 Education Fee Payments Users may pay school, college, or university fees through the Platform.

Education Fee Policy: Users must ensure the accuracy of all student and institutional details prior to confirming payment. Ognimohub bears no liability for misdirected or delayed payments caused by user error. Proof of payment should be retained by the user.

4.12 Two-Factor Authentication (2FA) Ognimohub strongly recommends enabling Two-Factor Authentication (2FA) for all User accounts.

2FA Security Policy: Ognimohub shall not be liable for any financial loss or unauthorized access incurred where 2FA was not activated by the user or where the user's 2FA credentials were compromised through the user's own negligence. 2FA is mandatory for all Agent and Merchant accounts. Users are solely responsible for safeguarding their 2FA credentials and recovery codes.

4.13 Investment Services Ognimohub offers structured investment plans with Daily, Weekly, Monthly, and Yearly return cycles.

Investment Policy — General: All investments carry inherent risk, including the potential for partial or total loss of principal. Ognimohub provides access to investment opportunities and does not provide financial, investment, or advisory services. Past performance is not indicative of future results.

Investment Policy — Plan Limits (Effective January 2, 2026):

  • Daily Plans: One (1) active plan permitted at any time; maximum of one (1) plan per calendar month.
  • Weekly Plans: One (1) active plan permitted at any time; maximum of two (2) plans per calendar month.
  • Monthly Plans: Up to three (3) plans may run concurrently per calendar month.
  • Yearly Plans: No concurrent limit; users may hold up to twelve (12) active yearly plans simultaneously.
  • Plan Progression: Upon completion of a plan, users may transition to a different plan category (e.g., Daily → Weekly → Monthly). If all categories have been utilized in the current cycle, users must contact Ognimohub Customer Support to request a plan eligibility reset.

Investment Lock-In Period: All investment plans are subject to a mandatory lock-in period. All invested funds, including principal and any accrued returns or profits, shall remain strictly inaccessible until the relevant investment plan has fully matured and been officially completed by the Platform. Withdrawals, cash-outs, bank transfers, or any form of utilization of locked investment funds prior to plan maturity are absolutely prohibited. Any violation of this policy — including unauthorized withdrawal attempts, account manipulation, or circumvention efforts — constitutes a material breach of these Terms and may result in account restrictions, forfeiture of all accrued returns and benefits, and permanent account termination without prior notice. By enrolling in any investment plan, the User expressly acknowledges, understands, and agrees to be legally bound by this lock-in policy.

5. USER APPLICATION — FEATURES AND POLICIES

The Ognimohub User Application is designed for individual users to manage personal financial activities in a simple, intuitive, and secure environment. All provisions of Section 4 (General Service Features and Policies) apply in full to User Application features and transactions.

6. AGENT APPLICATION — FEATURES AND POLICIES

6.1 Agent Eligibility and Onboarding To become an authorized Ognimohub Agent, applicants must complete a rigorous vetting process, including background screening, identity verification, compliance training, and execution of the Agent Agreement. All Agents must hold any licenses and permits required by applicable local regulations prior to commencing operations.

6.2 Agent — Add Money Agent Add Money Policy: Agents are subject to the same source-of-funds requirements as standard users but may be subject to enhanced due diligence, stricter transaction limits, and additional reporting requirements.

6.3 Agent — Cash In and Withdrawal Agent Cash In & Withdrawal Policy: Agents must adhere strictly to Ognimohub's cash handling procedures and applicable regulatory requirements, including performing user identity verification for transactions exceeding prescribed thresholds, issuing proper transaction receipts, and maintaining accurate and complete transaction records. All discrepancies or suspicious activities must be reported to Ognimohub immediately. Agent withdrawals and cash-out operations are subject to the same Public Holiday restrictions as standard users under Section 4.4.

6.4 Agent — Transaction Management Agent Transaction Management Policy: Agents must process all transactions accurately and promptly. Agents are expressly prohibited from imposing unauthorized fees, manipulating transaction parameters, or misrepresenting transaction details. All agent transactions are subject to periodic audit by Ognimohub's compliance team.

6.5 Agent — Statement Access Agent Statement Access Policy: Agents must maintain strict confidentiality of all user transaction data and may only access records necessary to fulfil their authorized duties. Unauthorized disclosure, reproduction, or misuse of transaction data constitutes a serious breach of these Terms and will result in immediate termination of the Agent Agreement and potential legal action.

6.6 Agent — Two-Factor Authentication Agent 2FA Policy: Two-Factor Authentication is mandatory for all Agent accounts. Agents are fully responsible for the security of their 2FA devices and credentials. Any account compromise attributable to an Agent's failure to implement and maintain adequate 2FA security shall be the Agent's sole liability.

6.7 Agent Conduct Standards All Agents must conduct their operations professionally, ethically, and in strict compliance with Ognimohub's policies and applicable local laws. This includes treating users with respect, providing accurate and complete information, and refraining from any deceptive, fraudulent, or non-compliant practices.

7. MERCHANT APPLICATION — FEATURES AND POLICIES

7.1 Merchant Eligibility and Onboarding To become an authorized Ognimohub Merchant, businesses must complete the merchant application and vetting process, including business entity verification, regulatory compliance checks, and execution of the Merchant Agreement. All Merchants must hold valid business licenses and permits required under applicable law.

7.2 Payment Acceptance Merchant Payment Acceptance Policy: Merchants must display Ognimohub as an accepted payment method in accordance with Ognimohub's branding guidelines. Merchants are prohibited from imposing surcharges on Ognimohub-processed payments unless explicitly authorized by applicable law and prior written consent from Ognimohub.

7.3 Customer Transaction Management Merchant Transaction Management Policy: Merchants must maintain the confidentiality of all customer payment data and may only use such data for legitimate business purposes directly related to the relevant transaction. Merchants are solely responsible for handling customer disputes and processing refunds in accordance with their stated return policies and applicable consumer protection legislation.

7.4 Promotions and Discounts Merchant Promotions Policy: Merchants are solely responsible for the terms, conditions, fulfilment, and accuracy of all promotions and discounts offered through the Platform. All promotional activities must comply with applicable advertising laws and regulations.

7.5 Transaction History and Reconciliation Merchant Transaction History Policy: Merchants must regularly reconcile their Ognimohub transaction history with their internal financial records. Any discrepancies must be reported in writing to Ognimohub within thirty (30) calendar days of the transaction date.

7.6 Merchant — Two-Factor Authentication Merchant 2FA Policy: Two-Factor Authentication is mandatory for all Merchant accounts. Merchants are responsible for securing their 2FA devices and credentials. Account compromise due to inadequate 2FA security shall be the Merchant's sole liability.

7.7 API Keys and Platform Integration Merchant API / Plugin Policy: Merchants integrating via Ognimohub APIs or third-party plugins (including WordPress, Shopify, and Magento) must adhere to Ognimohub's API usage guidelines and security best practices. Merchants are responsible for the security of their integrated systems. Unauthorized distribution, publication, or misuse of API keys is strictly prohibited and will result in immediate account suspension and potential legal action.

8. CUSTOMER SUPPORT POLICY

Ognimohub is committed to delivering professional and timely customer support. To ensure all inquiries are handled efficiently and fairly, users must adhere to the following support engagement standards.

8.1 Single-Channel Communication Ognimohub provides support through the following channels:

  • In-app support chat
  • Email: support@ognimohub.com
  • Phone: +254 745 497444

Multi-Channel Communication Policy: Submitting the same query, complaint, or request across multiple support channels simultaneously ("multi-channelling") is strictly prohibited. Multi-channelling creates duplicate case records, delays resolution times for all users, and disrupts the support queue. Ognimohub reserves the right to close duplicate inquiries and to deprioritize support requests from users who engage in repeated multi-channelling behaviour. Users who persistently violate this policy may have their support access restricted.

8.2 One Ticket Per Issue Duplicate Ticket Policy: Users must submit only one (1) support ticket per issue or inquiry. Submitting multiple tickets for the same matter is prohibited and will result in duplicate tickets being merged or closed without response. If your ticket has not been acknowledged within the published response window, you may follow up on your existing ticket rather than creating a new one.

8.3 Support Conduct Users are expected to engage with Ognimohub support staff in a respectful and professional manner. Abusive, threatening, or harassing communications will not be tolerated and may result in the termination of the support interaction and restriction of the user's Account.

9. FEES AND CHARGES

9.1 Service Fees Ognimohub may charge fees for certain services, including but not limited to transaction processing fees, withdrawal fees, currency conversion fees, and subscription fees for premium features. All applicable fees will be disclosed to you clearly before you complete a transaction or subscribe to a service.

9.2 Amendments to Fee Schedule Ognimohub reserves the right to modify its fees and charges at any time. We will provide reasonable prior notice of material fee changes by posting an updated Fee Schedule on our website or through in-app notifications. Your continued use of the Service following such notification constitutes acceptance of the revised fees.

9.3 Tax Obligations You are solely responsible for all taxes, duties, withholdings, and levies imposed by any governmental or regulatory authority in connection with your use of the Ognimohub Service.

10. PROHIBITED ACTIVITIES

The following activities are expressly prohibited on the Ognimohub Platform. Engaging in any prohibited activity may result in immediate account suspension, termination, forfeiture of funds, and referral to law enforcement authorities:

  • Using the Service for any illegal, fraudulent, or unauthorized purpose, including money laundering, terrorist financing, tax evasion, or any other criminal activity.
  • Violating any applicable laws, regulations, or the rights of any third party.
  • Engaging in conduct that is harmful, threatening, abusive, harassing, defamatory, obscene, or otherwise objectionable.
  • Attempting to gain unauthorized access to the Service, other user accounts, or any computer systems or networks connected to the Platform.
  • Interfering with or disrupting the integrity, security, or performance of the Service or its underlying infrastructure.
  • Introducing malicious code, including but not limited to viruses, Trojan horses, worms, logic bombs, ransomware, or spyware.
  • Impersonating any person or entity, or misrepresenting your affiliation with any person or entity.
  • Collecting or harvesting personally identifiable information from the Service without explicit, prior consent.
  • Reverse engineering, decompiling, disassembling, or otherwise attempting to derive the source code or algorithms of the Service.
  • Using automated tools, scripts, bots, or scrapers to access the Service in a manner exceeding normal human usage.
  • Submitting multiple support tickets for the same issue or contacting support through multiple channels simultaneously for the same query (see Section 8).
  • Attempting to circumvent the Public Holiday withdrawal restriction or the investment lock-in period (see Sections 4.4 and 4.13).

11. INTELLECTUAL PROPERTY

11.1 Ognimohub Content All content on the Ognimohub Platform — including text, graphics, logos, icons, images, audio clips, digital downloads, data compilations, and software — is the exclusive property of Ognimohub Agency or its licensed content suppliers and is protected under applicable international copyright, trademark, and other intellectual property laws.

11.2 Limited Licence Subject to your compliance with these Terms, Ognimohub grants you a limited, non-exclusive, non-transferable, revocable licence to access and use the Service solely for your personal or internal business purposes. This licence does not include the right to: (a) resell or commercially exploit the Service or its contents; (b) collect, copy, or use product listings, pricing, or descriptions for the benefit of third parties; (c) create derivative works; (d) copy account information for external use; or (e) use data mining tools, bots, or scraping utilities.

11.3 User Content You retain ownership of content you submit, post, or display on or through the Service ("User Content"). By submitting User Content, you grant Ognimohub a worldwide, non-exclusive, royalty-free, sublicensable, and transferable licence to use, reproduce, distribute, modify, display, and perform such User Content in connection with the operation, promotion, and improvement of the Service.

12. THIRD-PARTY SERVICES AND LINKS

The Ognimohub Service may integrate with or contain links to third-party websites, applications, or services (e.g., Stripe, PayPal, and other payment gateways). These third-party services are neither owned nor controlled by Ognimohub. Ognimohub assumes no responsibility for the content, privacy practices, availability, accuracy, or reliability of any third-party services. You acknowledge that Ognimohub shall not be liable, directly or indirectly, for any loss or damage arising from your use of or reliance on any third-party content, products, or services. We strongly recommend reviewing the terms of service and privacy policies of any third-party services you access.

13. DISCLAIMERS AND LIMITATION OF LIABILITY

13.1 Disclaimer of Warranties THE OGNIMOHUB SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR COURSE OF PERFORMANCE. OGNIMOHUB DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE; THAT DEFECTS WILL BE CORRECTED; OR THAT THE SERVERS HOSTING THE SERVICE ARE FREE OF HARMFUL COMPONENTS.

13.2 Limitation of Liability TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, OGNIMOHUB AGENCY AND ITS AFFILIATES, DIRECTORS, EMPLOYEES, AGENTS, SUPPLIERS, AND LICENSORS SHALL NOT BE LIABLE FOR ANY INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING LOSS OF PROFITS, GOODWILL, DATA, OR OTHER INTANGIBLE LOSSES, ARISING FROM OR RELATED TO YOUR ACCESS TO OR USE OF (OR INABILITY TO USE) THE SERVICE, REGARDLESS OF THE LEGAL THEORY ON WHICH THE CLAIM IS BASED.

13.3 Aggregate Liability Cap IN NO EVENT SHALL OGNIMOHUB'S TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE EXCEED THE TOTAL AMOUNT PAID BY YOU TO OGNIMOHUB DURING THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE DATE ON WHICH THE CLAIM AROSE.

14. INDEMNIFICATION

You agree to defend, indemnify, and hold harmless Ognimohub Agency, its affiliates, licensors, service providers, officers, directors, employees, contractors, agents, successors, and assigns from and against any and all claims, liabilities, damages, judgments, awards, losses, costs, expenses, and legal fees arising from or relating to: (a) your violation of these Terms; (b) your use of the Service in a manner not expressly authorized herein; (c) your User Content; or (d) your violation of any applicable law or the rights of any third party.

15. GOVERNING LAW AND DISPUTE RESOLUTION

15.1 Governing Law These Terms shall be governed by and construed in accordance with the laws of the Republic of Kenya, without regard to its conflict of law provisions.

15.2 Binding Arbitration Any dispute, controversy, or claim arising out of or in connection with these Terms, or the breach, termination, or invalidity thereof, shall be finally resolved by binding arbitration administered by the Nairobi Centre for International Arbitration (NCIA) in accordance with its applicable rules. The seat and venue of arbitration shall be Nairobi, Kenya. Proceedings shall be conducted in the English language. The arbitral award shall be final, binding, and enforceable in any court of competent jurisdiction.

15.3 Class Action Waiver To the fullest extent permitted by applicable law, you agree that all disputes shall be resolved on an individual basis only. You waive any right to pursue any dispute on a class-action or representative basis, or to seek relief on behalf of the general public.

16. TERMINATION

16.1 Termination by Ognimohub Ognimohub may terminate or suspend your Account and access to the Service immediately, without prior notice or liability, for any reason, including but not limited to: breach of these Terms; engagement in fraudulent, unlawful, or prohibited activities; failure to satisfy KYC/AML requirements; violation of the Customer Support Policy (Section 8); or any conduct that Ognimohub reasonably determines to be harmful to the Platform, its users, or third parties.

16.2 Termination by User You may terminate your Account at any time by submitting a written request to support@ognimohub.com. Account termination requests will be processed in accordance with our data retention and regulatory obligations.

16.3 Effect of Termination Upon termination, your right to access and use the Service will immediately cease. Provisions of these Terms that by their nature survive termination — including but not limited to ownership, warranty disclaimers, indemnification, and limitations of liability — shall remain in full force. Any outstanding balances, obligations, or pending investigations will continue to be subject to these Terms notwithstanding termination.

17. CHANGES TO THESE TERMS

Ognimohub reserves the right, at its sole discretion, to modify or replace these Terms at any time. Where a revision is material, we will provide not less than thirty (30) days' notice prior to the new terms taking effect, by posting the revised Terms on our website or issuing an in-app notification. Your continued use of the Service after the effective date of revised Terms constitutes your acceptance of and agreement to be bound by those revised Terms. If you do not agree to the amended Terms, you must cease using the Service.

18. MISCELLANEOUS PROVISIONS

18.1 Entire Agreement These Terms, together with the Privacy Policy and any other legal notices published by Ognimohub on the Service, constitute the entire agreement between you and Ognimohub with respect to the Service and supersede all prior and contemporaneous understandings, agreements, and representations.

18.2 Severability If any provision of these Terms is held to be invalid, illegal, or unenforceable, that provision shall be severed and the remaining provisions shall continue in full force and effect.

18.3 Waiver No waiver of any provision of these Terms shall be deemed a continuing or future waiver of that provision or any other provision. Ognimohub's failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.

18.4 Assignment You may not assign or transfer your rights or obligations under these Terms without Ognimohub's prior written consent. Any purported assignment without consent shall be null and void. Ognimohub may freely assign or transfer its rights and obligations under these Terms without restriction.

18.5 Force Majeure Ognimohub shall not be liable for any delay or failure in performance resulting from causes beyond its reasonable control, including but not limited to acts of God, war, terrorism, civil disturbance, governmental action, pandemics, embargoes, fire, flood, earthquake, or failures of third-party infrastructure, utilities, or telecommunications networks.

19. CONTACT INFORMATION

For enquiries regarding these Terms or the Ognimohub Service, please contact us:

Registered Office: PR89+2WP, Pioneer House, Kenyatta Avenue, Nairobi, Kenya
Email: support@ognimohub.com P
hone: +254 745 497444

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