1. Services

KIRA Holdings WLL (headquartered in Kuwait) provides AI marketing automation, WhatsApp AI platforms (Lojain), digital loyalty programs (BrandWallet), media buying, business consulting, and influencer campaign management services to businesses worldwide.

2. Acceptance of These Terms

By accessing our services, creating an account, starting a trial, subscribing to, or paying for any KIRA or Lojain service, you confirm that you have read, understood, and agree to be legally bound by these Terms. Subscribing or paying constitutes acceptance. For a Lojain subscription, the client also prints, signs and uploads the Lojain Subscription Agreement before paying; payment opens once KIRA accepts the signed copy (Section 9). Electronic acceptance, including account creation and payment, constitutes a valid and binding agreement under applicable electronic-transactions legislation, including Kuwait Law No. 20 of 2014 on Electronic Transactions.

3. Client Obligations & Acceptable Use

Clients are responsible for providing accurate business information, timely approvals, and complying at all times with the policies of Meta's WhatsApp Business Platform and every other connected third-party platform. Misuse of the service includes, without limitation: sending spam or unsolicited bulk messages to recipients who have not consented; sending unlawful, deceptive, or abusive content; violating Meta's Business or Commerce policies; and any use that causes a connected platform to restrict, suspend, or disable an account. Misuse is a material breach of these Terms.

4. Payment Terms & Refunds

Subscriptions are billed annually in advance. Payments are processed via Tap Payments. New Lojain accounts get a 7 day free trial of the full system, and the trial is the evaluation period. There are no refunds of any kind once a subscription is paid, including any unused portion of the term.

No refund for platform enforcement caused by misuse: if a client's Meta or WhatsApp account, phone number, or business asset is restricted, suspended, or disabled by Meta or any third-party platform as a result of the client's misuse of the service or violation of platform policies (as described in Section 3), all fees paid remain non-refundable in full, and KIRA bears no liability for that enforcement or its consequences.

5. Intellectual Property

KIRA retains ownership of all platform technology, AI models, and proprietary tools. Client-owned content (brand assets, product information) remains the client's property. Campaign creative produced under engagement is owned by the client upon full payment.

6. Limitation of Liability

KIRA's liability is limited to the fees paid for the specific service giving rise to the claim in the preceding 3 months. KIRA is not liable for platform outages, changes to Meta policies, enforcement actions taken by third-party platforms, or results dependent on third-party platforms.

7. Termination

Either party may terminate services with 30 days' written notice. KIRA may terminate immediately for non-payment, policy violations, or misuse. Termination for misuse does not entitle the client to any refund. Upon termination, client data will be available for export for 30 days.

8. Governing Law & International Use

These Terms are governed by the laws of the State of Kuwait, and disputes shall be resolved in the courts of Kuwait. Clients accessing the services from outside Kuwait are responsible for compliance with their local laws; these Terms remain binding and enforceable to the fullest extent permitted by applicable law in any jurisdiction. If any provision is held unenforceable, the remaining provisions remain in full force.

9. Lojain Subscription Terms

Lojain runs on Meta's official WhatsApp Business Platform. KIRA is the orchestration layer; Meta owns and governs the WhatsApp channel, including its rules, prices, approvals and enforcement.

The client must have access to a Meta Business Manager account, or create one, before onboarding.

Business initiated messages (template messages) are charged by Meta per message to the client's own Meta payment method, separately from the KIRA subscription.

Templates are approved by Meta. The timing of an approval is Meta's, not KIRA's.

The WhatsApp account is the client's responsibility and liability. The client messages only contacts who have opted in. Misuse may lead Meta to restrict or ban the number or account, and KIRA carries no liability of any kind for misuse or its consequences.

Training is online only. The training videos are at kiraco.org/features, and the client's team watches them before the first training session.

Integrations with the client's own systems, such as booking, payments or ERP, are outside the subscription and cost extra; they are quoted separately.

Lojain is an enterprise service with one fixed price. No discounts are offered.

Before paying, the client prints, signs and uploads the Lojain Subscription Agreement. Payment opens once KIRA accepts the signed copy, and payment is acceptance of the agreement and of these Terms.

10. Contact

Questions about these terms: info@kiraco.org