Legal
KOLEKT Terms and Conditions
These Terms explain the rules for using KOLEKT. They apply to business account holders and authorised users of the Service.
Effective date: 21 August 2026 · Version: 2026-08-21
1. Agreement and eligibility
These Terms govern use of the KOLEKT collections, invoicing, payment-record and notification software (the Service). By creating an account, using the Service, or accepting these Terms, you confirm that you are authorised to act for the business you register and are legally able to enter this agreement.
2. The Service
KOLEKT provides software for creating invoices, presenting payment instructions or payment links, recording payment information, and preparing customer notifications. KOLEKT is not a bank, payment institution, fund custodian, or settlement agent. Payment processing, settlement, refunds, and chargebacks are handled by the merchant and its chosen payment provider.
3. Your account and security
Keep account credentials confidential, use accurate account information, and promptly tell us through the Service if you believe an account has been accessed without authority. You are responsible for activity performed through your account and for assigning appropriate access to your staff.
4. Merchant responsibilities
You are responsible for the accuracy, completeness, and lawfulness of the business, customer, invoice, pricing, bank-account, and payment information entered into the Service. You must maintain your own customer support, refund, tax, delivery, and sector-specific terms, and comply with laws that apply to your business.
5. Customer data and messaging
When you upload customer data or send WhatsApp or email notifications, you instruct KOLEKT to process that data to provide the Service. You must have an appropriate lawful basis to use each customer’s details, provide any required notices, honour opt-out requests where applicable, and ensure your messages are accurate and lawful. Do not use the Service for spam, fraud, harassment, or unlawful content.
6. Third-party services
Gateway, email, WhatsApp, browser, hosting, and connectivity services are provided by third parties under their own terms and availability commitments. You are responsible for your gateway credentials and relationship with each provider. KOLEKT does not guarantee that a third-party payment, messaging, or internet service will be available or error-free.
7. Fees and service changes
Any applicable subscription, unit, or usage charges will be shown in the Service or agreed separately. We may change, suspend, or discontinue features where reasonably necessary for security, legal compliance, maintenance, or product improvement. Material changes to these Terms will be published with a revised effective date.
8. Intellectual property and acceptable use
KOLEKT and its software, branding, and content remain the property of their respective owners. We grant you a limited, non-transferable right to use the Service for your internal business operations while these Terms apply. You must not reverse engineer, interfere with, overload, or attempt unauthorised access to the Service.
9. Availability, disclaimers, and liability
The Service is provided on an as-available basis. To the extent permitted by law, KOLEKT does not guarantee uninterrupted availability, successful payment completion, message delivery, or suitability for a particular purpose. Nothing in these Terms limits liability that cannot lawfully be limited. Any other liability is limited to direct loss caused by our breach, subject to applicable law and any separate written agreement.
10. Suspension and termination
We may suspend or terminate access where we reasonably believe there is a security risk, unlawful use, fraud, breach of these Terms, or a requirement from law or a provider. You may stop using the Service at any time. Termination does not remove obligations that arose before termination, including payment and legal-compliance obligations.
11. Governing law and contact
These Terms are governed by the laws applicable in Nigeria, unless a separate written agreement states otherwise. Questions about the Service should be raised through the KOLEKT support channel. For invoice, payment, refund, or delivery questions, customers should contact the merchant that issued the invoice.