Terms and Conditions

These Terms and Conditions govern access to mykinward.com, Kinward member accounts and the products and services offered by Kinward Merchant LTD (RC12533791), of 235 Ayetoro-Itele Road, Ado-Odo/Ota, Ogun State, Nigeria (“Kinward”, “we”, “us” or “our”).

By creating an account, accepting an invitation, purchasing a product or continuing to use the platform, you agree to these Terms, our Privacy Policy and any transaction-specific disclosure shown before you confirm a purchase, reinvestment, sale-back or withdrawal.

You may join Kinward only if you:

• are at least 18 years old and legally capable of contracting;
• have a valid, unused invitation issued through Kinward;
• provide accurate contact, identity, profile and payout information;
• complete any verification or compliance checks we reasonably require; and
• use the account for yourself and not for another person.

Membership is private and invitation-only. An invitation does not guarantee acceptance, product availability or any return. You may not refer yourself, create duplicate accounts or manipulate referrals.

Your phone number is your primary account identifier. You are responsible for protecting your password, verification codes and devices, and for promptly notifying us of suspected unauthorised use. Do not share one-time codes or allow anyone else to operate your account.

A confirmed recovery email is strongly recommended. Without one, you may be unable to reset a forgotten password and could lose access to your account. OTPs used for account creation, password reset and fund withdrawal are free. Active members receive five free OTP login requests per Africa/Lagos calendar month. Each additional login OTP successfully accepted for SMS delivery in that month incurs a ₦10 administration charge. Failed SMS requests are not billable. OTP login is unavailable while a membership is pending, suspended or closed; password login is not included in the OTP allowance.

Kinward currently offers the following membership products:

• Gold: ₦5,000 base purchase price.
• Diamond: ₦15,000 base purchase price.
• Platinum: ₦50,000 base purchase price.

These are Kinward products. References to a Gold, Diamond or Platinum “share” are product or membership labels and do not, by themselves, grant corporate equity, voting rights, management rights or ownership in Kinward Merchant LTD. Any corporate shareholding must be created by separate written corporate documentation.

A member may request that Kinward buy a product back. The sale-back amount consists of the applicable principal plus any appreciation or return declared for that product and period. Appreciation and returns are variable and are not guaranteed.

Each member may make two product purchases in a calendar month without a Kinward purchase administration fee. Each additional purchase in the same month attracts an administration fee equal to 1% of the capital being applied to that purchase.

The complete amount, fee and capital to be applied must be displayed before confirmation. Kinward does not impose hidden charges. Any applicable third-party payment or transfer charge will be disclosed where known before you complete the transaction.

Kinward may apply capital to short-term merchant inventory activity, inventory financing, the purchase and resale of goods, and other lawful merchant opportunities. Kinward may also purchase and sell cryptocurrencies when it identifies price or market opportunities.

Kinward selects, operates and manages the underlying activities. A member does not acquire direct ownership of a particular inventory item, merchant receivable, cryptocurrency or trading position merely by purchasing a Kinward product.

Any dividend, interest, appreciation or other return is calculated from the total profit generated by the relevant business activities after applicable costs, expenses, fees, provisions and losses. Turnover, market conditions and the performance of underlying activities affect the amount and timing of any return.

Returns are variable and are not guaranteed. A member may receive a lower return than expected or no return for a period. Past results, illustrations, testimonials and displayed rates do not predict future performance.

Kinward contractually guarantees 100% of the principal capital applied to a Kinward product. For these purposes, principal means the capital actually applied to the product and excludes administration, transfer or third-party fees. Kinward bears losses arising from a failed underlying opportunity; only the member’s expected interest, dividend or appreciation may be lost because of that failure.

During a general loss or material market challenge, Kinward may automatically reinvest the affected principal rather than make it immediately available for withdrawal or sale-back. Funds may therefore be temporarily unavailable during the loss-management period. Kinward expects this period usually to last 30 days or less, but that period is an estimate and not a guaranteed withdrawal date.

The principal guarantee is Kinward’s unsecured contractual obligation. It is not a bank deposit, deposit insurance or a government guarantee, and performance of the obligation is exposed to Kinward’s solvency, legal restrictions and operational ability. Nothing in this paragraph removes Kinward’s contractual obligation to the member.

Before a payout account can be stored or used, you must select a supported Nigerian bank and provide a valid 10-digit account number. Kinward sends the selected bank code and account number to Monnify for Name Enquiry. Monnify returns the bank and account-holder details associated with the account.

The account-holder name returned by Monnify must match the immutable legal name in your Kinward profile. Kinward normalises the names so differences in word order, letter case, punctuation or accents do not alone cause a mismatch, but all name parts must match. If the account is invalid, the names do not match or a result is unavailable, the account will not be approved or saved. You may correct the details and try again or contact support to request a review.

Only one verified payout account may be recorded for a member. Adding or replacing it requires a new verification. A successful Name Enquiry reflects information supplied by the relevant bank at that time; it does not independently establish identity or prevent Kinward from requiring further compliance checks.

Supported institutions and provider availability may change. A bank or Monnify outage may delay verification or a withdrawal. Monnify is a third-party service provider and does not assume Kinward’s obligations to members or guarantee a payout.

A member is entitled to one withdrawal in each calendar month without a Kinward withdrawal administration fee. Each additional withdrawal in the same month attracts an administration fee between 0.5% and 2% of the withdrawal amount. The exact percentage and amount must be shown before the member confirms the withdrawal.

Withdrawals are paid only to the verified payout account recorded under the payout-account verification process above. We may delay a withdrawal to complete verification, investigate suspected fraud, comply with law, address a loss event or resolve a material operational issue. A voluntary reinvestment follows the same confirmation and disclosure process as an original purchase.

Eligible members may create single-use invitation links. You must share an invitation responsibly and must not sell invitation codes, make misleading income claims, impersonate Kinward or pressure anyone to join.

Referral milestones count only qualifying members who complete the required membership purchase and satisfy the applicable eligibility rules. Kinward may reverse referrals or rewards obtained through fraud, self-referral, duplicate accounts, chargebacks or manipulation.

You must not use Kinward to:

• commit fraud, money laundering, terrorism financing or any unlawful activity;
• provide false identity, bank, age or referral information;
• interfere with platform security or attempt unauthorised access;
• operate accounts for other persons or transfer an account without approval;
• misrepresent guaranteed returns or conceal the risks described here; or
• use Kinward intellectual property without written permission.

We may restrict or suspend an account when reasonably necessary for security, verification, suspected fraud, breach of these Terms, regulatory compliance, sanctions screening, dispute management or platform protection. Where lawful and safe, we will explain the reason and the steps required to restore access.

You may request account closure by contacting us. Closure does not cancel completed transactions, outstanding fees, pending investigations, legal holds or Kinward’s obligation regarding eligible principal.

Merchant turnover may slow, goods may be delayed, damaged or lose value, counterparties may default, and cryptocurrency prices and liquidity can change rapidly. Operational, banking, regulatory, technology and cybersecurity events can also delay transactions.

By purchasing a product, you acknowledge that returns can be zero and that access to guaranteed principal can be delayed during a loss or compliance event. You should consider your own financial circumstances and obtain independent professional advice where appropriate.

You agree to receive account, security, transaction and legal notices electronically through the platform, SMS, recovery email or another contact method you provide. You must keep your contact details current. Marketing communications will be handled in accordance with your choices and applicable law.

We aim to keep Kinward secure and available, but we do not promise uninterrupted access. Maintenance, provider outages, telecommunications failures, force majeure, legal restrictions or security events may interrupt the platform.

To the extent permitted by law, Kinward is not liable for indirect, incidental or consequential loss that was not reasonably foreseeable. Nothing in these Terms excludes liability that cannot legally be excluded, limits mandatory consumer rights, excuses fraud or wilful misconduct, or removes the express principal obligation described above.

We may update these Terms to reflect product, legal, regulatory, security or operational changes. We will publish the revised date and, where a change materially affects existing members, provide reasonable notice before it takes effect. A change will not retrospectively remove an accrued principal obligation without the affected member’s express agreement or a lawful requirement.

These Terms are governed by the laws of the Federal Republic of Nigeria. A member should first send a complaint to hello@mykinward.com and allow 30 days for good-faith resolution.

A dispute not resolved through that process shall be finally resolved by arbitration under the Arbitration and Mediation Act 2023. The seat of arbitration will be Ogun State, Nigeria, the proceedings will be in English, and a single arbitrator will be appointed by agreement or in accordance with the Act. The award will be final and binding. Nothing prevents a party from seeking urgent interim relief or enforcing an award in a court of competent jurisdiction in Nigeria, and mandatory statutory rights remain unaffected.

Kinward Merchant LTD
RC12533791
235 Ayetoro-Itele Road, Ado-Odo/Ota, Ogun State, Nigeria
hello@mykinward.com