Terms of service

Last updated: March 1, 2026

Welcome to Kezella. These Terms of Service ("Terms") govern your access to and use of the Kezella platform, website, dashboard, mobile application, and all related services (collectively, the "Service") operated by Kezella Technologies Limited (RC 8723337), a company registered under the laws of the Federal Republic of Nigeria ("Kezella", "we", "our", or "us").

By accessing or using the Service, you confirm that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree, please do not use the Service.

1. Eligibility and Accounts

To use the Service, you must:

Be at least 18 years of age or have the authority to act on behalf of an organization;
Provide accurate, current, and complete information during registration;
Maintain the security of your account credentials and be responsible for all activity under your account; and
Notify us immediately of any unauthorized access or suspected breach of your account.

Kezella reserves the right to suspend or terminate any account where information provided is found to be false, misleading, or incomplete.

2. Description of Service

Kezella provides a school payment and management SaaS platform that enables:

2.1 For Schools

Fee collection, automated receipts, and bursary management;
Student and classroom management;
Custom collections for levies, events, and projects;
Payment plans and automated reminders;
Access to a government-approved academic calendar; and
Optional school investment features powered through licensed partners.

2.2 For Guardians and Parents

Access to their child's fee status and payment history;
Full and part-term fee payments; and
Payment verification and receipt access.

The Service is currently in BETA. Features may be added, modified, or discontinued at any time without prior notice.

3. Subscription Plans and Fees

Kezella offers multiple subscription tiers — Free, Pro, and Enterprise — each with different features and transaction fee structures.

3.1 Billing

Subscription fees are billed as agreed at the time of plan selection;
Transaction fees are deducted per payment processed through the platform; and
All fees are non-refundable except as expressly stated or required by law.

3.2 Plan Changes

You may upgrade or downgrade your plan at any time;
Downgrades take effect at the end of the current billing period; and
Kezella reserves the right to modify pricing with reasonable notice.

4. Payment Processing

All payments on the Kezella platform are processed by licensed third-party financial institution partners, including Paystack.

By making or receiving payments through Kezella, you also agree to the terms and conditions of the relevant payment processor.

Kezella does not store card numbers, bank account details, or any sensitive payment credentials. We are not liable for errors or failures caused by third-party payment processors.

5. Investment Feature

Kezella offers an optional investment feature that allows schools to automatically set aside a configurable percentage of fee inflows into investment instruments through our licensed investment partner, Cowrywise.

Participation is entirely optional and must be configured by the school;
Investment returns (currently up to 15% p.a.) are not guaranteed and may vary based on market conditions;
Kezella acts as an intermediary and is not a licensed investment advisor. Investment services are provided by Cowrywise, a duly licensed investment platform regulated by the Securities and Exchange Commission (SEC) Nigeria; and
Schools accept full responsibility for their decision to invest through this feature.

6. Acceptable Use

You agree to use the Service only for lawful purposes and in accordance with these Terms. You must not:

Use the Service to process fraudulent, unauthorized, or illegal transactions;
Attempt to gain unauthorized access to any part of the platform or another user's account;
Upload or transmit viruses, malware, or any other harmful code;
Use automated tools, scrapers, or bots to extract data from the Service without our written consent;
Impersonate any person or organization, or misrepresent your affiliation with any entity; or
Engage in any activity that disrupts, damages, or impairs the integrity or performance of the Service.

Violation of this section may result in immediate suspension or termination of your account without notice.

7. School Responsibilities

As a school administrator using Kezella, you represent and warrant that:

You are authorized to act on behalf of your school or institution;
All student and guardian data entered into the platform is accurate and collected with appropriate consent;
Fee amounts, payment plans, and collections created on the platform are lawful and agreed upon with parents or guardians; and
You will promptly notify Kezella of any disputes, errors, or irregularities in payment records.

8. Intellectual Property

All content, features, trademarks, logos, and software on the Kezella platform are the exclusive property of Kezella Technologies Limited or its licensors, and are protected by applicable intellectual property laws.

You are granted a limited, non-exclusive, non-transferable licence to access and use the Service for its intended purpose. You must not copy, modify, distribute, sell, or sublicense any part of the Service without our express written consent.

9. Privacy and Data

Your use of the Service is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using Kezella, you consent to the collection and use of your data as described therein.

We comply with the Nigeria Data Protection Regulation (NDPR) and applicable data protection laws. Schools are responsible for ensuring their use of Kezella in relation to student and guardian data also complies with applicable laws.

10. Disclaimers

The Service is provided on an "as is" and "as available" basis without warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or uninterrupted availability.

We do not warrant that the Service will be error-free, secure, or continuously available;
We are not responsible for any loss of data arising from technical failures or scheduled maintenance;
We do not guarantee that payment transactions will complete without interruption; and
Investment returns described on the platform are indicative and not guaranteed.

11. Limitation of Liability

To the maximum extent permitted by applicable law, Kezella Technologies Limited, its directors, employees, agents, and partners shall not be liable for any indirect, incidental, special, consequential, or punitive damages — including loss of revenue, loss of data, or business interruption — arising from your use of or inability to use the Service.

In any case, our total aggregate liability to you for all claims arising from or related to the Service shall not exceed the total fees paid by you to Kezella in the three (3) months preceding the event giving rise to the claim.

12. Indemnification

You agree to indemnify, defend, and hold harmless Kezella Technologies Limited and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses — including reasonable legal fees — arising out of or related to:

Your use of or access to the Service;
Your violation of these Terms;
Your violation of any third-party rights, including data protection rights; or
Any data you submit, upload, or transmit through the Service.

13. Termination

Either party may terminate access to the Service at any time.

Kezella may suspend or terminate your account immediately without notice if:

You breach any provision of these Terms;
We are required to do so by law or a regulatory authority;
We reasonably suspect fraudulent or abusive activity on your account; or
You have not used the Service for an extended period.

Upon termination, your right to use the Service ceases immediately. Provisions of these Terms that by their nature should survive termination shall continue to apply, including intellectual property rights, limitation of liability, and indemnification.

14. Third-Party Services

The Service integrates with or links to third-party services including Paystack (payments), Cowrywise (investments), and Strapi (content management). These integrations are provided for convenience and do not constitute an endorsement.

Kezella is not responsible for the content, privacy practices, or availability of any third-party service. Your interactions with third-party services are governed solely by their own terms and policies.

15. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria.

Any dispute arising out of or in connection with these Terms shall first be attempted to be resolved amicably through direct negotiation. If unresolved within 30 days, the dispute shall be referred to arbitration in Lagos, Nigeria, in accordance with the Arbitration and Conciliation Act.

16. Changes to These Terms

We may update these Terms from time to time. When we make material changes, we will notify you via email or an in-app notification and update the "Last Updated" date above.

Your continued use of the Service after any update constitutes your acceptance of the revised Terms. If you do not agree to the updated Terms, you must stop using the Service.

17. Contact Us

If you have any questions about these Terms or wish to raise a concern, please contact us at:

support@kezella.com

https://www.kezella.com

Lagos, Nigeria