Terms

1. Introduction

Welcome to Kurudy, Inc. (“Kurudy,” “we,” “our,” or “us”), a Delaware-based entity providing technology and regulatory infrastructure to facilitate equity crowdfunding under Regulation Crowdfunding (Reg CF) and Regulation D of the U.S. Securities Act of 1933. Our mission is to democratize capital raising for innovative companies, specifically focusing on:

• U.S.-domiciled companies, and
• African-led businesses that have established U.S. legal entities for the purpose of accessing American investors via equity crowdfunding.

Kurudy operates the website kurudy.com and affiliated subdomains (collectively, the "Site") and mobile applications (the “App”) to allow eligible companies ("Companies") to raise capital from accredited and non-accredited investors ("Investors").

By accessing or using the Site or Services, you agree to be legally bound by these Terms of Service (the 'Terms'). If you do not agree to these Terms or are not eligible to use our services, do not access or use our Site or Services.

2. Scope of the Terms

These Terms apply to your use of:

• The Kurudy platform (web and mobile);
• Services related to discovering, evaluating, and investing in equity offerings;
• Related services such as compliance, escrow coordination, and educational content.

These Terms do not apply to:

• Gift card programs;
• Any promotional offerings such as bonus shares, investment credits, or VIP tiers previously described under other platforms.

3. Kurudy Services Overview

Kurudy is a platform that enables:

• Companies (as defined above) to create and manage capital raising campaigns;
• Investors to discover, evaluate, and invest in these offerings through compliant legal frameworks.

Kurudy is not a broker-dealer or investment adviser. All investments made through the platform are handled via third-party registered entities, including:

• FINRA/SEC-registered escrow agents;
• Registered broker-dealers (where applicable);
• SEC-qualified funding portals (for Reg CF offerings).

Kurudy acts as a technology provider, marketing conduit, and compliance coordinator.

4. User Eligibility

You may use the Site and Services only if:

• You are at least 18 years old and capable of forming a binding contract;
• You are using the Services on behalf of a legally registered U.S. entity, or
• You are an African founder whose company has been registered as a U.S. entity as a C-Corp;
• You are not a person barred from receiving services under the laws of the United States.

Kurudy may request documentation to verify your eligibility and reserves the right to refuse access at our discretion.

5. Account Creation and Responsibilities

To access certain features, you must register an account. You agree to:

• Provide truthful, accurate, and current information;
• Maintain confidentiality of your login credentials;
• Immediately notify Kurudy of any unauthorized use of your account.

You are solely responsible for all activity under your account.

6. Restrictions on Use

You agree not to:

• Use the Site or Services for any fraudulent or unlawful purposes;
• Copy, distribute, or resell any proprietary information from the Site;
• Misrepresent your company’s legal or regulatory status;
• Circumvent or breach any security or authentication measures.

Kurudy may monitor usage and investigate violations.

7. Privacy Policy

Our Privacy Policy governs how we collect, use, and share your personal information. It is incorporated into these Terms by reference.

8. Escrow Agent Relationship

Kurudy coordinates with registered Escrow Agents to hold investor funds until a campaign meets the minimum funding goal. All investor funds are held in third-party escrow accounts regulated under applicable U.S. laws.

Kurudy does not hold or control any investor funds directly.

9. Proprietary Rights

All content, software, and technology used in connection with the Services is the property of Kurudy or its licensors. You may not reproduce or use our intellectual property without written consent.

10. Dispute Resolution and Governing Law

These Terms shall be governed by the laws of the State of Delaware, without regard to conflict of law principles. Any dispute arising out of or relating to these Terms shall be resolved exclusively in the courts located in Delaware, unless otherwise required by law.

11. Modifications

Kurudy reserves the right to amend these Terms at any time. We will notify you of material changes via email and/or notices on the platform. Your continued use of the Services after such changes constitutes acceptance.

12. Termination

Kurudy may suspend or terminate your access to the Services at its discretion. Upon termination, your obligations under these Terms shall survive, including sections related to proprietary rights, warranties, and dispute resolution.

13. Contact

For any questions:

Email: support@kurudy.com
Mailing Address: Kurudy Inc., [Delaware Registered Office Address]