Terms of Service

1. Company Information

Ng'ara Cleaning Solutions operates this platform.

The platform provides an online service for purchasing Ng'ara shower gels and participating in the Ng'ara Coin ecosystem.

2. Description of Service

Users may:

• Create and manage an account
• Purchase Ng'ara shower gel products
• Receive Ng'ara Coins from product purchases
• Buy, sell, hold, and transfer Ng'ara Coins
• Transfer tokens to other users
• Send value to M-Pesa users
• Withdraw funds through supported methods

Future withdrawal options may include bank transfers and cryptocurrency wallets.

3. User Eligibility

Users must be of legal age under Kenyan law.

Registration requires:

• Phone number
• Username

Each phone number may only register one account. Accounts may be suspended if fraud or misuse is detected.

4. User Accounts

Users are responsible for keeping account credentials secure.

Accounts may be suspended for:

• Fraudulent activity
• Illegal financial activity
• Exploitation of system vulnerabilities
• Abuse of the platform

5. Ng'ara Coin

Ng'ara Coin is a reward service token used within the platform.

Coins may be obtained by:

• Purchasing Ng'ara shower gels
• Buying tokens on the website
• Receiving transfers from other users

Ng'ara Coin does not represent company ownership and does not guarantee financial returns.

6. Fraud and Balance Reversal

Balances may be adjusted or reversed if fraudulent activity, unauthorized transactions, or abuse of the system occurs.

7. Fees

• User transfers: Free
• Buying tokens: 3 Ng'ara Coins
• Selling tokens: 3 Ng'ara Coins
• Transfer to M-Pesa: 3 Ng'ara Coins

The initiating user pays the transaction fee.

8. Payments and Withdrawals

Users may send value to M-Pesa accounts using their token balance.

Settlement is intended to occur instantly.

Future withdrawal options may include bank and cryptocurrency wallets.

9. Transaction Reversal

Transactions may be reversed in cases of fraud, unauthorized access, or system error.

10. User Responsibilities

• No illegal activities
• No financial fraud
• No money laundering
• No exploiting bugs
• No automated abuse of the system

11. Risk Disclosure

Ng'ara Coin value may fluctuate and the platform does not guarantee financial returns. users are adviced to invest strategically and with caution.

12. Regulatory Disclaimer

Ng'ara Coin is not a share, security, or regulated financial investment product.

Users are responsible for complying with financial and tax regulations in their jurisdiction.

13. Anti-Money Laundering Policy

The platform prohibits:

• Money laundering
• Illegal financial activity
• Use of stolen payment instruments
• Disguising the origin of funds

Accounts suspected of illegal activity may be suspended or reported to authorities.

14. Data Collection

The platform collects:

• Phone numbers for identity
• Transaction history

User data will not be shared without consent unless required by law.

15. Account Closure

Users may close their account at any time. Remaining balances may be withdrawn where applicable.

16. Limitation of Liability

Ng'ara Cleaning Solutions is not responsible for losses resulting from trading decisions, third-party services such as M-Pesa, or technical outages.

17. Changes to Terms

The company may update these terms at any time. Continued use of the platform means acceptance of updated terms.

18. Governing Law

These Terms are governed by the laws of Kenya and disputes fall under Kenyan jurisdiction.