Every policy that governs the platform, in one place.
| Policy | Covers | |
|---|---|---|
| Terms of Service | The service contract, billing, SLA, acceptable use | Read → |
| Privacy Policy | Operator-payment capture (SMS or notification), masking, residency, your rights | Read → |
| Growth Partner Terms | Referral ladder, Verified Net Revenue, anti-fraud, payouts | Read → |
| SLA (Commerce+) | targeted 99.9% API availability · p95 < 5 s KODA-side · credited if missed | Read → |
| Data Processing Addendum | Controller/processor roles, sub-processors, residency | Request → |
| Responsible Disclosure | Security reports: koda@kodajnn.com — safe harbour for good-faith research | Report → |
| API Deprecation Policy | Versioned API, 12-month windows, no breaking changes inside a version | Read → |
| Platform Disclaimer | Not a bank or money transmitter; no fund custody; verification ≠ settlement; operator trademarks | Footer of every page |
KODA is a payment verification service — not a bank, wallet, payment processor, aggregator, escrow or money transmitter. KODA never holds, moves, or settles funds: payments travel directly from customer to merchant over each operator's own network. Verification is based on merchant-side operator confirmations and, while fraud-scored and replay-protected, does not guarantee against operator-side reversals or constitute proof of settlement. M-Pesa, Orange Money, MTN MoMo, Airtel Money, Africell Money, Wave, bKash, GCash, JazzCash and all other operator names are trademarks of their respective owners; KODA is independent of, and not endorsed by, any mobile network operator. Pricing, coverage and features are subject to the published Terms of Service and may evolve by market.