Last Updated: 29/01/2026
These Terms and Conditions ("Terms") govern access to and use of the 2KAP platform (the "Platform"), including all websites, mobile interfaces, APIs, and related services operated by 2KAP ("we", "us", or "our"). By accessing or using the Platform, you agree to be bound by these Terms.

2KAP is a contribution facilitation platform that enables individuals, groups, communities, and organizations to create wallets, collect contributions, and disburse funds according to predefined rules.

2KAP is not a bank, payment institution, or financial advisory service. We do not provide banking services, investment advice, or guarantees regarding the success of any contribution campaign.

You must be legally capable of entering into a binding agreement to use the Platform. By using 2KAP, you represent that:

• You are at least the minimum legal age in your jurisdiction
• You have authority to create or manage a wallet on behalf of a group or organization, where applicable

Wallet Creation

• Defining the purpose of the wallet
• Setting contribution and disbursement rules
• Setting contribution and disbursement rules

Wallet Contributions

Contributors may make payments to wallets using supported payment methods. Contributions may be made publicly or anonymously, depending on wallet settings.

2KAP records all transactions internally for operational, compliance, and audit purposes, even where contributions are marked as anonymous.

Wallets may be configured to disburse funds:

• On a specified future date
• At the end of a defined contribution period
• Automatically upon each contribution

Disbursements are executed according to the wallet configuration selected by the Organizer. Once a disbursement is initiated, it may not be reversible, subject to payment provider limitations.

2KAP charges service-related platform fees for certain actions on the Platform. These may include, but are not limited to:

• Fees applied when a contribution is initiated
• Fees applied when a wallet is disbursed
• Fees applied when contributions are disbursed individually

Fee Structure

Platform fees:

• Are typically calculated as a small percentage of the transaction amount
• May vary depending on wallet configuration, payment method, or disbursement type
• Are disclosed to users before confirmation of a transaction

2KAP reserves the right to adjust, configure, or update fees from time to time. Any changes will be reflected on the Platform prior to user confirmation and will not apply retroactively to completed transactions.

Payments and disbursements are processed through third-party payment providers. 2KAP does not control and is not responsible for:

• Downtime or service interruptions
• Processing delays or failures
• Fees charged independently by payment providers

Use of the Platform is subject to the terms and conditions of these third-party providers.

All funds collected through wallets belong to the wallet Organizer or designated beneficiaries.

2KAP does not claim ownership over user funds and does not use contributed funds for its own purposes, except for the deduction of applicable platform fees.

Unless otherwise required by applicable law:

• Contributions are generally non-refundable once processed
• Disputes regarding use of funds are primarily between Contributors and Organizers

2KAP may, at its discretion, provide transaction records or support information but is not obligated to mediate disputes.

You may not use the Platform for:

• Fraudulent or deceptive activities
• Illegal fundraising or money laundering
• Harassment, abuse, or harm to others
• Circumventing platform fees or controls

2KAP reserves the right to suspend or terminate accounts engaged in prohibited activities.

We may suspend or terminate access to the Platform:

• For violation of these Terms
• To comply with legal obligations
• To protect the integrity and security of the Platform

Termination does not affect obligations incurred prior to termination.

Your use of the Platform is subject to our Privacy Policy, which explains how we collect, use, and protect personal data.

To the fullest extent permitted by law:

• 2KAP shall not be liable for indirect, incidental, or consequential damages
• We do not guarantee uninterrupted or error-free operation
• We are not responsible for losses resulting from Organizer actions or third-party payment failures

You agree to indemnify and hold harmless 2KAP from claims, losses, or damages arising out of:

• Your use of the Platform
• Your violation of these Terms
• Your misuse of funds or misrepresentation

These Terms shall be governed by and interpreted in accordance with the laws of the jurisdiction in which 2KAP is incorporated, without regard to conflict-of-law principles.

We may update these Terms from time to time. Updates will be posted on the Platform with a revised "Last Updated" date. Continued use of the Platform constitutes acceptance of the updated Terms.

If you have any questions, concerns, or requests regarding this Privacy Policy or the use of the 2KAP app, you may contact us at: 
connextgroup.2kap@outlook.com

By using 2KAP, you acknowledge that you have read, understood, and agreed to these Terms and Conditions.