1. Who handles the money
Kendagor Tech provides software. Payments are processed by licensed third parties, such as Safaricom M-PESA and other payment service providers regulated under the National Payment System Act, 2011 or the law of their country. Kendagor Tech is not a bank and does not accept deposits. We never ask for, see or store M-PESA PINs or full card numbers.
There are two kinds of payments in the Service:
- Your subscription to Kendagor Tech, which you pay to us.
- Payments from your customers to you for internet packages, processed through the payment gateway you configure. Those funds belong to you, the ISP.
2. Subscription fees
- Plans, prices and the free-trial length (if any) are shown in the dashboard and on your invoice before you pay.
- Fees are billed in advance per billing period. An invoice is issued for every charge and kept in your Billing page.
- If a payment fails or is late, we will remind you. After the due date the account may be limited to read-only or suspended until paid. Data is not deleted for late payment alone while the account remains active, but the inactivity rule in the Terms still applies.
- We may change prices with at least 30 days' notice. The new price applies from your next billing period after the notice.
3. Refunds and billing errors
- Subscription fees are generally non-refundable for partial periods, except where the law requires a refund or we failed to provide the Service.
- If you were charged in error or twice, email kendagortech@gmail.com within 30 days with the payment reference. We will investigate and refund confirmed errors to the original payment method, normally within 14 days of confirming the error.
- Refunds to your own customers for internet packages are a matter between you and your customer. The Service lets you record compensation; you are responsible for your refund policy and for honouring it.
4. Your payment gateway and wallet
- You may connect your own paybill, till or gateway account. You are responsible for that account, its credentials and its contract with the provider. Changes to gateway settings are protected by an email verification code.
- Where the Service shows a wallet balance or offers withdrawals, the balance reflects payments confirmed by the payment provider. Withdrawals require your wallet secret code, are paid only to the verified destination on the account, and may be delayed or held while we check suspected fraud, a chargeback, a provider reversal or a legal order.
- Amounts reversed by a payment provider, or obtained by fraud, may be deducted from the balance.
5. Fraud and anti-money-laundering
We monitor for fraud and abuse. We may hold, refuse or reverse a transaction or withdrawal, request identity or business documents, and report suspicious activity to the relevant authorities where the Proceeds of Crime and Anti-Money Laundering Act or other law requires it. Using the Service to launder money, finance crime or process payments for unlawful goods or services is prohibited.
6. Records and tax
Every payment is recorded with its provider reference. You can view and export your transaction history from the dashboard. You are responsible for your own tax obligations, including VAT, and for keeping business records for the period the law requires; export them before closing your account.
7. Payment disputes
For a disputed payment, first email kendagortech@gmail.com with the transaction reference, amount, date and phone number used. We will reply within 5 working days and work with the payment provider to trace it. Complaints that remain unresolved can be escalated as described in the Terms.