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TERMS & CONDITIONS 

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1. Introduction

These Terms & Conditions (“Terms”) govern your access to and use of the Kora Wealth platform, including the QuickScore assessment, digital resources, educational materials, advisory offerings, and all related services (“Services”).
By accessing or using the Services, you agree to be legally bound by these Terms.

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2. Definitions

  • “Kora Wealth”, “Kora”, “we”, “us”, “our” – the company providing the Services.

  • “Client”, “User”, “You”, “Your” – the individual accessing or using the Services.

  • “QuickScore” – Kora’s proprietary financial scoring and assessment system.

  • “Paid Services” – all premium offerings requiring payment.

  • “Free Services” – basic QuickScore results, newsletters, and general educational content.
     

3. Eligibility

You must be:

  • 18 years or older, and

  • Legally capable of entering into binding agreements.
     

4. Nature of Services (Disclaimer)

Kora Wealth provides educational, analytical, and strategic financial tools.
Kora does not provide licensed financial, investment, legal, or tax advice.
All output is provided on an “as-is” informational basis.

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5. User Responsibilities

You agree to:
a. Provide accurate and complete information.
b. Use the Services for lawful purposes.
c. Not replicate, resell, distribute, or reverse-engineer Kora’s intellectual property.
d. Maintain confidentiality of login credentials.
e. Immediately notify us of unauthorized access.

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6. Payments and Billing

a. Fees for Paid Services must be paid in full prior to delivery.
b. All fees are non-transferable.
c. Refunds are governed exclusively by the Refund Policy, which forms part of these Terms.
d. Kora reserves the right to update prices at any time.

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7. Delivery of Services

Paid Services may be delivered via email, online platforms, consultations, or any medium communicated during purchase.
Timelines may vary based on complexity, data availability, or scheduling.

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8. Intellectual Property

All algorithms, scoring systems, methodologies, content, videos, reports, branding, and digital materials are the exclusive property of Kora Wealth.
Users may not copy, modify, distribute, or create derivative works.

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9. Privacy & Data Use

Use of the Services constitutes acceptance of the Kora Privacy & Data Protection Policy.
We collect, process, store, and use data in accordance with applicable laws.

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10. Limitation of Liability

To the maximum extent permitted by law:
a. Kora is not liable for financial losses, investment decisions, or business outcomes arising from the use of our Services.
b. Kora is not responsible for inaccuracies caused by incomplete or false information submitted by the User.
c. Kora holds no liability for delays, disruptions, or force majeure events.
d. Total aggregate liability shall not exceed the amount paid for the specific service.

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11. Indemnification

You agree to indemnify and hold harmless Kora Wealth from claims, liabilities, losses, or expenses arising from:

  • Misuse of Services

  • Violation of these Terms

  • Publication of unauthorized or harmful content
     

12. Termination

We may suspend or terminate access without notice if:

  • Terms are violated

  • Fraudulent activity is detected

  • Misuse or abuse of intellectual property occurs
     

Termination does not grant entitlement to any refund unless outlined in the Refund Policy.

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13. Amendments

Kora may revise these Terms at any time. Continued use after updates constitutes acceptance.

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14. Governing Law

These Terms are governed by the laws of the Republic of Kenya.
Disputes shall first undergo negotiation and mediation before arbitration or litigation.

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15. Contact Information

operations@korawealth.com

 

DATA PRIVACY & PROTECTION POLICY

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Who we are

ONAMA Wealth Limited, trading as KORA Wealth Africa, a company incorporated in Kenya on 5 May 2023, company number PVT-Y2ULVG5G.

Office and correspondence address:

Suguta Suites, Suguta Road, A4

P.O. Box 76256-00508, Nairobi, Kenya

Data protection contact: operations@korawealth.com

This notice, version 1.0, is effective from the date shown below and applies to korawealth.com and to the services described in it.

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1. Purpose

This Privacy & Data Protection Policy outlines how Kora Wealth collects, processes, stores, protects, and retains personal and financial data in compliance with global best practices.

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2. Data We Collect

a. Personal Identifiable Information (PII): name, email, phone number, and age.
b. Financial inputs necessary for QuickScore.
c. Behavioral and technical data: browser type, IP, pages visited, session logs.
d. Communication data: emails, chat interactions, support requests.

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3. Legal Basis for Processing

We collect and process data based on:

  • Consent

  • Performance of a contract

  • Legitimate business interests

  • Compliance with legal obligations
     

4. How We Use Your Data

We use your data to:
a. Generate QuickScore results
b. Provide advisory insights
c. Improve service quality
d. Communicate updates or offers
e. Conduct analytics
f. Maintain security and fraud detection

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5. Data Protection & Security

Kora applies:

  • Encryption

  • Password hashing

  • Secure servers

  • Access control systems

  • Data minimization

  • Regular internal audits
     

6. Data Sharing

We do not sell or rent your data.
Data may only be shared with:

  • Authorized employees or contractors

  • Third-party service providers under strict confidentiality

  • Regulators where legally required
     

7. International Transfers

If data is transferred across borders, we ensure compliance with applicable data protection standards.

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8. Data Retention

Data is retained only for as long as necessary to fulfil the purpose for which it was collected, or as required by law.

In practice we hold:

  • Enquiries and assessment responses that do not become an engagement: 24 months

  • Records of members we work with: for the life of the relationship and 7 years after it ends

  • Tax and accounting records: 7 years, as Kenyan law requires

  • Message history, including WhatsApp and website chat: 24 months

  • Call recordings, where made: 12 months

We delete or anonymise information at the end of these periods unless the law requires us to keep it longer.

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9. User Rights

You may:
a. Request access to your data
b. Request deletion
c. Request correction
d. Withdraw consent
e. Object to certain processing
f. Request data portability

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10. Breach Notification

In the event of a confirmed data breach, affected users will be notified within a legally compliant timeline.

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11. Contact

operations@korawealth.com 

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How we communicate with you

We may contact you by email, by WhatsApp and through the chat on this website, using the contact details you give us.

Service and transactional messages relate to something you have asked us for or already hold with us: your diagnostic result, an appointment, an invoice, a payment, or an answer to a question you asked. We send these on the basis of performing our contract with you, or our legitimate interest in serving you.

Marketing messages tell you about our services when you have not asked about that particular thing. We send these only where you have given us your consent to do so, and we record which consent each message was sent under.

You can stop marketing messages at any time and at no cost. On WhatsApp, reply STOP to any message from us. By email, use the unsubscribe link in any message. Or write to operations@korawealth.com. We keep a register of everyone who has opted out and we check it before every send. Stopping marketing messages does not stop service messages about something you already hold with us.

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Automated assistance on this website

The chat on this website is answered by an automated assistant, not by a person. It draws on the public content of this website, which is scanned and indexed by our website platform provider, and on written guidance we give it. It can be wrong. It does not give financial, investment, tax or legal advice, it cannot tell you your score or your fee, and nothing it says forms part of any agreement between us. Where something needs a person, it will tell you so and pass you on.

Anything you type into the chat is stored by our website platform provider on our behalf and is read by our team so that we can respond to you. Please do not enter payment card details, identity document numbers, or health information into the chat. If you would rather not use the chat, email operations@korawealth.com.

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Who processes your information for us

We use the following service providers, who process personal information on our instructions and under contract with us:

  • Wix, our website and website chat platform

  • Google, our email, document storage and records systems

  • Meta and WhatsApp, our messaging channel

  • Typeform, our online assessment forms

  • Copper, our customer records system

  • Make, the automation that connects these systems

These providers store and process information outside Kenya, principally in the European Union and the United States. We rely on their contractual data protection commitments to protect your information when it is transferred.

We do not sell your personal information and we do not share it with anyone for their own marketing.

 

TERMS OF ACCESS 

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1. Acceptance of Access Terms

These Terms of Access govern your entry into the Kora website, systems, and tools.

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2. Acceptable Use Restrictions

Users must not:
a. Interfere with platform functionality
b. Deploy malicious scripts or automated bots
c. Circumvent security controls
d. Modify or replicate platform components
e. Access accounts without authorization

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3. System Availability

Kora does not guarantee uninterrupted access.
Scheduled or unscheduled downtime may occur.

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4. Account Security

You are responsible for safeguarding your account credentials.
Kora is not responsible for unauthorized access resulting from negligence.

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5. Access Suspension

We reserve the right to suspend access for:

  • Security threats

  • Policy violations

  • Fraudulent activity

System integrity concerns

 

SOCIAL MEDIA DISCLAIMER 

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1. General Disclaimer

Content published on Kora’s social media accounts is for informational and educational purposes ONLY.
Nothing posted should be interpreted as financial, legal, tax, or investment advice.

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2. No Client Relationship

Engagements (likes, comments, follows, messages) do not establish a client relationship.

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3. Accuracy of Information

While Kora attempts to provide reliable content, we make no guarantees about:

  • Completeness

  • Timeliness

  • Accuracy

  • Suitability
     

4. User-Generated Content

Kora is not responsible for comments, posts, or messages from the public.
We may remove:

  • Offensive or harmful content

  • Spam or misleading information

  • Unauthorized promotional content
     

5. No Liability

Kora is not liable for actions taken based on social media posts or interactions.

 

CUSTOMER POLICY

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1. Purpose

This Customer Policy outlines the standards of service and expectations between Kora Wealth and its clients.

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2. Kora Wealth Commitments

Kora Wealth shall:
a. Provide services with reasonable skill and care.
b. Deliver accurate, timely communication.
c. Protect client data.
d. Ensure fair and equal treatment.
e. Provide clear service descriptions and pricing.

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3. Client Responsibilities

Clients shall:
a. Provide accurate and complete information.
b. Attend scheduled sessions.
c. Communicate respectfully.
d. Not misuse reports, content, or proprietary tools.
e. Comply with all Kora policies and legal requirements

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4. Service Delivery

Kora will deliver services via digital channels, remote meetings, or any medium stated during purchase.

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5. Complaints Handling

Complaints may be submitted to: operations@korawealth.com
Kora aims to resolve all issues within a reasonable time frame.

 

COOKIE POLICY 

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1. Purpose

This policy explains how Kora uses cookies and similar technologies.

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2. What Are Cookies?

Cookies are small text files stored on your device when you visit our site.

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3. Types of Cookies Used

  • Strictly Necessary Cookies – essential for site operation

  • Performance Cookies – analytics and traffic insights

  • Functionality Cookies – user preferences

  • Marketing Cookies – optional tracking for campaigns
     

4. Why We Use Cookies

a. Enhance user experience
b. Improve functionality
c. Analyze site performance
d. Personalize displayed content
e. Secure user sessions

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5. Managing Cookies

Users may:

  • Accept all cookies

  • Reject optional cookies

  • Adjust browser settings

Restricting cookies may impact certain functionalities.

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6. Third-Party Cookies

Some cookies may be set by analytics providers or integrated platforms under their terms

 

CUSTOMER SUPPORT POLICY
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Support Channels

Clients can reach Kora Wealth through:

Support Hours

  • Monday–Friday: 8:00 AM – 6:00 PM

  • Saturday: 9:00 AM – 1:00 PM

  • Closed on public holidays
     

Response Times

  • General inquiries: within 24 hours

  • Payment inquiries: within 12 hours

  • Escalated disputes: 24–48 hours
     

Service Commitments

  • Transparent communication at all stages

  • Clear and timely updates during issue resolution

  • Priority handling of payment-related issues and transaction failures​

 

Refund Policy

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Quick Summary​

  • Digital products are generally non-refundable once accessed.

  • Refunds allowed for duplicates, technical failures, or service not delivered.

  • No refunds for completed coaching sessions, late cancellations, or change of mind.

  • Refunds processed within 7–14 business days.

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1. Overview

At Kora Wealth, customer satisfaction is important to us. This Refund Policy outlines when refunds are permitted and how requests are processed.

This Policy applies to all digital tools, assessments, programs, and coaching services.

 

2. Non-Refundable Items

Due to the nature of digital and educational content, the following are non-refundable:

  • Digital downloads already accessed

  • Assessments already taken

  • Coaching sessions already completed

  • Sessions missed or cancelled under 12 hours

  • Subscription fees already billed

  • “Change of mind” requests

  • Misunderstanding of service offerings (as details are provided before purchase)

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3. Refund Eligibility

Refunds may be granted only in the following situations:

a. Duplicate Charges

If you were charged more than once for the same service.

b. Technical Issues (Verified)

If you cannot access a product due to a proven system error on Kora’s side.

c. Service Not Delivered

If Kora cannot deliver a scheduled service and cannot offer a reasonable alternative.

d. Incorrect Product Delivered

If you were mistakenly granted access to the wrong program or digital product.

 

4. Subscription Renewals

Subscription payments are non-refundable after billing.
You may cancel anytime to prevent future renewals.

 

5. Coaching, Programs & Live Support

For coaching or scheduled program sessions:

  • No refund for completed sessions

  • No refund for missed/no-show sessions

  • Rescheduling is allowed with proper notice (12+ hours)
     

 

6. Refund Process

If approved:

  • Refunds are issued within 7–14 business days

  • Funds are returned to the original payment method

  • Transaction or processing fees may be deducted, depending on the payment provider
     

 

7. How to Request a Refund

Email: operations@korawealth.com
Include:

  • Full name

  • Email used for purchase

  • Order number / receipt

  • Description of the issue

  • Relevant screenshots or evidence
     

All requests are evaluated fairly and transparently.

 

Dispute Resolution Policy

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1. Overview

This policy outlines how Kora Wealth manages disputes related to payments, billing, and transaction errors.

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2. Types of Disputes Covered

  • Incorrect or unexpected charges

  • Duplicate payments

  • Failed or incomplete transactions

  • Refund requests

  • Unauthorized transactions
     

3. Resolution Process

  1. Client reports issue via email, phone, or WhatsApp

  2. Support logs and acknowledges receipt within 12 hours

  3. Review of transaction history and gateway logs

  4. Coordination with Pesaswap for confirmation, reversal, or corrective action

  5. Outcome communicated to client
     

4. Resolution Timelines

  • Standard disputes: within 48 hours

  • Complex cases: 3–5 business days

  • Refunds: processed within 7 business days, depending on payment channel
     

5. Escalation Path

If a client is not satisfied with the initial resolution, the case may be escalated to:

  1. Operations Manager

  2. Compliance Officer

  3. External arbitration if necessary, in line with Kenyan commercial law

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Version 1.0. Effective 29 August 2026.

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