Terms of Service
Version 1.4 — effective 11 August 2026.
These Terms of Service ("Terms") govern your access to and use of Kinglify (the "Platform"), operated by We Cause Change Plus Ltd ("Kinglify", "we", "us"). By creating an account or using the Platform you agree to these Terms.
1. Accounts
You must provide accurate registration details and keep your credentials secure. You are responsible for activity under your account. If you create an organisation account, you confirm you are authorised to act for that organisation. Organisation accounts may add staff and members subject to their plan limits. Creating accounts with false identities, or creating multiple accounts to evade limits, commissions or enforcement, is prohibited.
2. Subscription plans & payment
Kinglify offers self-serve subscription plans (Creator, Bronze, Silver, Gold, Diamond) billed from the first month, with optional prepayment for 1, 3, 6, 9 or 12 months at the plan price multiplied by the number of months, and optional monthly add-on subscriptions and metered usage (such as additional storage or usage overage). Custom pricing is agreed separately. Fees are billed in advance; VAT is added where applicable. We may change pricing for future billing periods with reasonable notice.
3. Acceptable use
You agree to use the Platform lawfully and in accordance with our Acceptable Use Policy and Community Guidelines. We may suspend accounts that breach these Terms.
4. Your content and intellectual property
You retain ownership of content you upload. You grant Kinglify a non-exclusive, worldwide licence to host, store, process, transmit and display that content solely as needed to operate and deliver the Platform's features to you and your audience. You are responsible for having the rights to the content you upload. The Platform itself — its software, design, branding and documentation — is and remains the property of Kinglify and its licensors; these Terms grant you no rights in it beyond use of the service. If you send us feedback or suggestions, we may use them without obligation to you.
5. Organisations and members — Kinglify is a platform, not a party
An organisation ("tenant") controls its own members' data within the Platform and acts as the data controller for that data; Kinglify acts as processor (see the Data Processing Agreement). Payments an organisation collects through the Platform — membership fees, giving, tithes, offerings, donations, event tickets, course and product sales — are transactions between the organisation and the payer. They settle at the payment provider to the organisation's own payout account; Kinglify does not hold that money and is not a party to those transactions. Any dispute, refund claim or obligation arising between an organisation and its members, donors or customers is a matter between them.
6. Marketplace and payments
Purchases from sellers on the Kinglify Marketplace are governed by the Seller/Merchant Terms and Refund Policy. Kinglify facilitates listings and payments but is not the seller and is not a party to the sale; sellers are responsible for fulfilment of their own goods and services.
7. Platform transaction fee
Where your organisation collects payments through the Platform's payment infrastructure — including membership fees, course and product sales, certificates, event payments, and giving (tithes, offerings and donations) — Kinglify charges a platform transaction fee, currently 2% of each payment. This fee is separate from, and in addition to, any commission stated on the pricing page and the payment provider's own gateway fees. It covers payment-infrastructure costs Kinglify carries on your organisation's behalf — gateway integrations, webhook reliability, reconciliation, provider support and foreign-exchange exposure — and applies regardless of the purpose of the payment. The fee is deducted at the point of payment or itemised in your settlement records, and the rates that apply to your organisation are always shown in your Settlements dashboard before you begin collecting. Kinglify may waive or vary the fee for specific organisations. Current rates are published on the pricing page; changes apply to future payments with reasonable notice.
8. Tenant affiliate programmes
An organisation may run its own affiliate ("refer and earn") programme for its members. Commissions under such a programme are owed by the organisation to its affiliates, out of the organisation's own share of collected payments. Kinglify provides tracking and record-keeping only: it does not hold, guarantee, advance or owe tenant-affiliate commissions, and is not liable for an organisation's failure to pay them. Kinglify may suspend a programme that falls persistently overdue.
9. Collection and settlement for organisations
Where direct split-at-source settlement is not available for your organisation's payment region, Kinglify collects payments on your organisation's behalf through Kinglify's own payment-provider account, acting as your organisation's commercial agent for collection. A payment so collected discharges the payer's obligation to your organisation. The amount collected, less Kinglify's published fees, is recorded to your organisation in an itemised settlement ledger — gross, each fee, and net — and is held for your organisation's benefit; it does not form part of Kinglify's own revenue. Kinglify settles recorded balances to your organisation's verified payout details on its monthly settlement run; timing may vary with banking rails and required verification. Refunds, chargebacks and provider reversals relating to payments collected for your organisation are deducted from its recorded balance, and a negative balance is recoverable from future collections. On termination of your account, recorded balances (less such deductions) remain payable on the normal settlement schedule. Funds held for organisations are recorded as owed to them and are not treated by Kinglify as its own assets.
10. Availability, service "as is"
The Platform is provided "as is" and "as available". We aim for high availability but do not guarantee uninterrupted or error-free service, and we may modify or discontinue features with reasonable notice. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including fitness for a particular purpose — without limiting any warranty or right that applicable law does not allow to be excluded.
11. Fraud and abuse
The following are material breaches: self-referral or other manipulation of referral or commission schemes; incentivised or fabricated signups; abuse of chargebacks or payment disputes; creating fake accounts; scraping or bulk extraction of Platform data; reverse engineering, decompiling or copying the Platform except to the extent a law expressly permits it; and reselling, renting or sharing access to the Platform or its content outside your organisation's plan. We may reverse commissions, withhold amounts directly attributable to fraud, and suspend or terminate accounts involved.
12. Suspension and termination
You may cancel at any time; access continues to the end of the paid period. We may suspend or terminate accounts for breach of these Terms, fraud, chargeback abuse, unlawful activity, or conduct that creates genuine legal or reputational risk to the Platform or its users. Where an account holds properly earned balances (for example a seller's completed sales), those balances remain payable on the normal schedule even if the account is suspended, less amounts directly attributable to fraud or reversal. On termination we retain records required for legal or financial compliance.
13. Indemnity
If you are an organisation or a seller, you will indemnify Kinglify against third-party claims, losses and reasonable costs arising from: content you publish or sell; your dealings with your own members, donors, customers or affiliates; or your breach of these Terms or applicable law. This does not apply to the extent a claim results from Kinglify's own breach or negligence.
14. Liability
Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, for gross negligence or wilful misconduct, or for any liability that cannot be excluded or limited under applicable law, and nothing affects statutory consumer rights or your rights under applicable data-protection law. Subject to that: (a) neither party is liable for indirect, consequential, special, incidental or punitive damages, or for loss of profits, revenue, data or goodwill; and (b) Kinglify's total aggregate liability for all claims arising in any 12-month period is limited to the fees you paid to Kinglify in the 12 months preceding the event giving rise to the claim.
15. Chargebacks and payment disputes
When a buyer's bank or card provider reverses a payment — a chargeback or a dispute — the money is taken back from Kinglify by the payment provider. Kinglify does not absorb that loss. It falls to the organisation, seller, author or creator whose sale was disputed.
(a) The settlement is reversed. If we have not yet paid out your share of the disputed sale, it is cancelled. If we have already paid it, an equal amount is deducted from your next payout. Where your balance is insufficient, the deduction carries forward against future earnings.
(b) The payment provider's dispute fee is yours. Card networks and payment providers charge a fee for handling a dispute, whether or not it is ultimately decided in your favour. That fee is a cost of your sale and is deducted from you in the same way as (a). We deduct only the amount the provider actually charged; we add nothing of our own.
(c) Timing. We reverse a settlement when a dispute is decided against the sale, not while it is still open — so a dispute you win costs you nothing under (a).
(d) Records. Every reversal is itemised in your earnings ledger, showing the disputed sale, the amount recovered and the provider's fee separately. Nothing is deducted without a corresponding entry you can see.
(f) Payout reserve. We may hold back part of the amounts otherwise payable to you as security against reversals under (a) and (b). A reserve is not a fee and it is not our money: it remains payable to you and is released to you unless it is needed to meet an amount you owe under this section.
Two levels apply. A newly active seller, creator, author or organisation has their share of each payment held for a short period after the payment is received, rather than after delivery, because most of what is sold here is delivered immediately. An account with a sustained record moves to a materially smaller rolling reserve calculated on recent processed payments. Moving to the smaller reserve requires all of: a minimum period of activity, a minimum number of completed orders, and a dispute rate below our published threshold. If your dispute rate reaches or exceeds that threshold, your account returns to the higher reserve.
At either level, the amount we hold is the greater of the reserve your level requires and the total of your unresolved disputes. Amounts held are released to you with a later payout once they are no longer required.
Where you owe an amount under (a) or (b), we take it from your reserve first, and only what your reserve does not cover is deducted from a payout.
The figures that apply to you — the levels, the periods, the thresholds, what is currently held and when each amount is due for release — are shown in your account. We may change them for the future on reasonable notice; we will not apply a change retrospectively to amounts already released.
(e) Excessive disputes. A persistently high dispute rate may lead us to suspend selling or payouts under section 12, or to require additional verification. We will tell you before doing so except where a payment provider requires immediate action.
16. Changes to these Terms
We may update these Terms. For material changes we will give reasonable notice — by email, in-app notice, or a prompt to re-accept. If you do not accept updated Terms, you must stop using the Platform and may cancel; continued use after the effective date constitutes acceptance. Each version you accept is recorded with a timestamp.
17. Language
These Terms are published in several languages for convenience. The English version is authoritative and prevails in any conflict of interpretation.
18. Governing law
These Terms are governed by the laws of the Federal Republic of Nigeria, and the courts of Nigeria shall have jurisdiction — without depriving you of any mandatory consumer protection, or mandatory venue, of the country where you live.
19. Contact
Questions about these Terms: legal@kinglify.com.