1. Introduction & Acceptance

By accessing or using keynoverse.tech (the “Site”), including any associated products or services (such as our AI SaaS modules, ERP, booking portals, or payment-enabled features), you (“User”) agree to these Terms of Use (“Terms”). If you do not agree, do not use this Site or any of our services.

2. About Keynoverse

Keynoverse Technology FZ LLC (“Keynoverse”, “we”, “us”), based in Dubai, UAE, and Keynoverse Limited based in Abuja Nigeria, provides AI-driven workflow automation, SaaS solutions, and payment-enabled platforms for sectors including EdTech, HealthTech, Real Estate, Logistics, and Retail.

3. Eligibility & Account Conditions

• Users must be the age of majority in their jurisdiction and legally capable of entering binding contracts.
• You are responsible for keeping your account credentials confidential and secure. Notify us promptly of unauthorized access or suspected misuse.

4. Payment Gateway & Transactions

4.1 Payment Processing
We integrate secure payment gateways for credit/debit card and electronic payment processing on our platforms. All payment processing is compliant with Payment Card Industry Data Security Standards (PCI DSS).

4.2 Billing & Refunds

• Payment obligations are due at order or checkout confirmation.
• Refund or cancellation policies may vary by service and are disclosed at the time of transaction.
• Where applicable, partial refunds for cancelled bookings or services may be provided; certain transaction or processing fees may be non-refundable.

5. License & Acceptable Use

• You are granted a limited, revocable license to use the Site and its services for lawful purposes only.
• Do not misuse our payment or service systems—including fraud, unauthorized data access, chargebacks without cause, or distribution of harmful code.

6. GDPR & Data Privacy

Your data is handled in accordance with our Privacy Policy. Payment information is processed securely and never stored longer than necessary for transaction and regulatory requirements.

7. Intellectual Property Rights

• All content, software, and brand assets (including “Keynoverse”, “KeynoTech”, and “Fiqra AI”) are the property of Keynoverse or its licensors.
• You may not reproduce, distribute, modify, or build derivative works without written permission.

8. Limitation of Liability & Disclaimers

• Services are provided “as is” without warranties of any kind.
• To the fullest extent permitted by law, Keynoverse disclaims liability for indirect, incidental, or consequential damages, including lost revenue or data.

9. Indemnification

You agree to indemnify and hold harmless Keynoverse, its affiliates, partners, and employees from claims, losses, damages, or expenses resulting from your use of the Site or breach of these Terms.

10. Termination & Suspension

• We reserve the right to suspend or terminate user accounts or restrict access to payment systems at any time for policy violations, suspected fraud, or at our discretion.

11. Force Majeure

Keynoverse is not liable for delays or failure to perform due to events beyond our control, such as natural disasters, outages, or regulatory changes.

12. Governing Law & Dispute Resolution

These Terms are governed by the laws of the United Arab Emirates. Any disputes shall be resolved exclusively by the courts of Dubai.

13. Communication

We may communicate with you via email, phone, or in-app notifications. You are responsible for keeping your contact information current.

14. Changes to These Terms

We may update these Terms at any time. Updates are effective upon posting to this page. Continued use of the Site indicates acceptance of any changes.

15. Contact Information

Keynoverse Technology FZ LLC
PS11, 6th Floor, Parcel B Al Wasl 2, Expo City Dubai, UAE
Keynoverse Limited
No. 29 David Ejoor Cresent Durumi, FCT, Abuja, Federal Republic of Nigeria
Off Ademola Adetokumbo Street Morija Close Block No 4, 3rd Floor by AEDC Wuse 2 Abuja, Nigeria
Phone: +2349048305668, +234 803 477 9393
Email: accounts@keynoverse.tech sales@keynoverse.tech