Terms of Service

Last Updated: 26 April 2025 (080426) | Effective Date: 26 April 2025

            Kudos AiN (Affiliate Investment Network) is a Micro Founder Cooperative Platform operated by Kudos Miracles, registered in Kenya. These Terms govern your participation as a Micro Founder and your use of all services at kudosain.com.
        

In plain language: This document explains the rules. We wrote it so anyone can understand it. Wherever we use legal language, we also explain what it means in simple terms.

1. Who We Are

Kudos AiN is a platform where ordinary people — starting in Kenya — can become Micro Founders by paying a small membership fee (KES 100) to gain a stake in verified affiliate partnerships with real businesses. As a Micro Founder, you earn proportional revenue from these partnerships.

We are operated by Kudos Miracles ("we", "us", "our"), a social enterprise registered and operating under the laws of the Republic of Kenya.

Registered Office: Nairobi, Kenya

Contact: support@kudosain.com

2. What Is a Micro Founder?

When you pay KES 100 to join Kudos AiN, you become a Micro Founder. This means:

You own a proportional stake in the Kudos AiN affiliate network
You earn revenue based on the performance of verified affiliate partnerships
Your earnings are calculated transparently and recorded on the Stellar blockchain
You are NOT buying shares, securities, or making a traditional investment
You are joining a cooperative revenue-sharing model

In plain language: You pay KES 100 to become a partner in a business network. When the businesses earn, you earn your fair share. This is NOT the stock market. This is people helping people earn together.

3. Eligibility

To become a Micro Founder, you must:

Be at least 18 years of age
Be a resident of Kenya (international access will be announced separately)
Have a valid M-Pesa account registered in your own name
Provide accurate and truthful information during registration

4. Membership Fee and Revenue Share

4.1 Membership Fee

The Micro Founder membership fee is KES 100 (one hundred Kenyan Shillings).

This fee is NON-REFUNDABLE.

By paying this fee, you gain:

Lifetime access to the Kudos AiN platform
A proportional stake in the affiliate network
The right to earn revenue as long as the platform operates
Access to Beth AI assistant
Transparent blockchain-verified records of all your earnings

In plain language: Once you pay KES 100, you cannot get it back. But you get lifetime access to earn money through the platform. Think of it like a gym membership — you pay to join, and then you use it to benefit.

4.2 How Revenue Share Works

Revenue is generated from real affiliate partnerships with established businesses. When these businesses earn through the network, revenue is distributed to all Micro Founders proportionally based on:

Your membership stake
The performance of the affiliate partnerships you are part of
The total number of active Micro Founders

Revenue share is NOT guaranteed. Earnings depend entirely on real business performance. Some months may be high. Some may be low. Some may be zero.

CRITICAL DISCLOSURE — NO GUARANTEED RETURNS:
Kudos AiN does NOT promise, guarantee, or project any specific earnings. Your revenue depends entirely on the real-world performance of affiliate businesses. You may earn nothing. You may earn more than you expect. This is revenue sharing, not a fixed-return investment. Only participate if you can afford to lose your KES 100 membership fee.

In plain language: We cannot promise you will make money. We work hard to make the partnerships succeed, but we cannot control everything. Never spend money you need for rent, food, medicine, or school fees.

5. Withdrawals

You may withdraw your available revenue balance at any time, subject to:

Minimum withdrawal: KES 100
Withdrawals processed via M-Pesa to your registered phone number
Processing time: within 48 hours (usually same day)
Identity verification required before first withdrawal (see Section 9)

Your revenue is NEVER locked. We will never prevent you from withdrawing money you have earned, except:

If your account is under investigation for fraud or suspicious activity (you will be notified immediately with clear reasons)
If required by Kenyan law enforcement or court order

In plain language: Your money is yours. Take it out whenever you want. We will only ever stop a withdrawal if we suspect fraud or if the police tell us to. And we will tell you exactly why within 24 hours.

6. Fees

Membership fee: KES 100 (one-time, non-refundable)
Platform fee: Deducted from total affiliate revenue before distribution (clearly displayed on your dashboard)
Withdrawal fee: None from Kudos AiN (standard M-Pesa fees may apply)
Hidden fees: ZERO. What you see is what you pay.

7. Your Account

You are responsible for keeping your login credentials secure
You must not share your account with anyone
You must notify us immediately at security@kudosain.com if you suspect unauthorised access
We reserve the right to suspend accounts that violate these Terms

8. Referral Programme

You can earn bonuses by inviting others to become Micro Founders:

You earn a referral bonus when someone you invite pays their KES 100 membership fee
The referred person's stake is never reduced by your bonus
Referral bonuses are paid from platform revenue, not from other Micro Founders' earnings
Fraud = Permanent Ban: Creating fake accounts or self-referring will result in immediate account termination and forfeiture of all earnings

9. Anti-Money Laundering (AML) and Know Your Customer (KYC)

Kudos AiN complies with the Proceeds of Crime and Anti-Money Laundering Act (POCAMLA) 2009 and all Central Bank of Kenya (CBK) directives.

Identity Verification Required:

Before your first withdrawal, you must verify your identity by uploading a photo of your National ID and a selfie
For withdrawals above KES 50,000, we may request additional documentation
We monitor all transactions for suspicious patterns
Suspicious activity is reported to the Financial Reporting Centre (FRC) as required by law

In plain language: Before you take money out the first time, we need to see your ID and a selfie to prove it is really you. This is Kenyan law. It protects everyone from criminals using the platform.

10. Beth AI Assistant

Kudos AiN includes an AI assistant called Beth to help you understand the platform and make informed decisions.

Important: Beth provides general guidance only. Beth is NOT a licensed financial advisor. Do not make decisions based solely on Beth's suggestions. Always consider your own situation and consult a qualified advisor if unsure.

11. Blockchain Transparency

All revenue distributions are recorded on the Stellar blockchain. This means:

Every transaction is publicly verifiable
No one — including us — can secretly alter records
Your personal identity is NOT stored on the blockchain (only wallet addresses and amounts)
Blockchain records are permanent and cannot be deleted (this is by design for transparency)

12. What We Will NEVER Do

Pay old Micro Founders with new Micro Founders' fees (that would be a Ponzi scheme — illegal and immoral)
Lock your earned revenue without clear legal justification and immediate notification
Sell your personal data
Make guarantees about earnings
Operate outside Kenyan law

13. Limitation of Liability

To the maximum extent permitted by Kenyan law:

Kudos AiN and Kudos Miracles are not liable for indirect, incidental, or consequential losses
Our total liability for any claim shall not exceed KES 100 (your membership fee)
We are not liable for losses caused by M-Pesa downtime, Stellar network outages, or other third-party failures beyond our control

14. Dispute Resolution

If you have a complaint:

Step 1: Email support@kudosain.com — we respond within 48 hours
Step 2: If unresolved within 14 days, escalate to the Nairobi Centre for International Arbitration (NCIA)
Step 3: All disputes are governed by Kenyan law and subject to Kenyan courts

In plain language: Talk to us first. We want to solve problems, not fight. If we cannot agree, there is a fair legal process in Kenya.

15. Changes to These Terms

We may update these Terms. When we do:

We will notify you at least 14 days before changes take effect
Continued use after the effective date means you accept the new Terms
If you disagree, you may withdraw your revenue and close your account

16. Account Termination

You may close your account anytime by emailing support@kudosain.com. Upon closure:

Your available revenue will be sent to your M-Pesa within 48 hours
Your personal data will be retained only as required by law (7 years for financial records)
Your blockchain transaction history remains on the public ledger permanently

17. Force Majeure

We are not liable for failures caused by events beyond our control (natural disasters, war, government action, pandemics, internet outages).

18. Governing Law

These Terms are governed by the laws of the Republic of Kenya. Legal actions must be brought in Nairobi courts.

            Contact Us

            Kudos Miracles

            Email: support@kudosain.com

            Security: security@kudosain.com

            Location: Nairobi, Kenya

            We are real people building something real for real people.