Terms of Service
Last updated: April 1, 2026
# Terms of Service
**Last updated: April 1, 2026**
These Terms of Service ("Terms") govern your use of Koya's services. By accessing or using our platform, you agree to be bound by these Terms.
## Eligibility
You must be at least 18 years old and legally able to enter into contracts to use our services. By using Koya, you represent and warrant that you meet these eligibility requirements.
## Services
Koya provides currency conversion services, including but not limited to KES to BTC conversions. All conversions are subject to applicable exchange rates, fees, and regulatory requirements.
## User Responsibilities
* Provide accurate and complete information
* Maintain the security of your account credentials
* Comply with all applicable laws and regulations
* Not use our services for illegal activities
## Fees and Rates
Exchange rates are indicative and may change between the time a quote is provided and when a conversion is executed. All applicable fees will be disclosed before you confirm a conversion.
## Limitation of Liability
To the maximum extent permitted by law, Koya shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of our services.
## Contact Us
If you have questions about these Terms, contact us at [hello@koyabank.com](mailto\:hello@koyabank.com).