Kibruzo Terms of Use

Effective March 21, 2026

These Terms of Use (“Terms”) govern your access to and use of the Kibruzo platform (“Kibruzo,” “we,” “us,” or “our”), including our website, applications, and related services (collectively, the “Platform”).

By accessing or using Kibruzo, you agree to these Terms.

1. Nature of the Platform

Kibruzo is a data organization, interaction, and information-sharing platform that enables users to create, view, and interact with Points of Contact (POCs), posts, records, and related content.

Kibruzo is not:

a registry of legal ownership;
a title verification system;
a law enforcement authority;
a financial institution; or
a marketplace intermediary responsible for transactions.

All content on the Platform reflects user-submitted information and assertions, not verified facts.

2. User Responsibility and Warranties

You are solely responsible for all content you submit, including:

ownership claims;
descriptions;
images;
comments; and
Lost / Missing / Stolen (LMS) reports.

You represent and warrant that:

you have the legal right to submit the content;
your content is not false, misleading, or fraudulent; and
your content does not violate any law or third-party rights.

You agree not to:

submit false ownership claims;
impersonate any person or entity;
upload sensitive personal data (e.g., government IDs) unless explicitly required; or
misuse the LMS system.

3. Points of Contact (POCs) — Structure and Non-Ownership

POCs are system-level records within Kibruzo.

Users do not own POCs.
Users may submit content, associations, or assertions related to a POC.
Kibruzo retains full control over the structure, existence, and management of all POCs.

Submission of content to a POC does not grant ownership, control, or exclusivity over that POC.

4. Ownership Claims and Verification Disclaimer

All ownership-related information is:

user-asserted; and
not verified by Kibruzo unless explicitly stated.

Kibruzo:

does not confirm ownership;
does not validate documentation; and
does not resolve disputes.

Identity verification does NOT equal ownership verification.

5. Lost, Missing, and Stolen (LMS) Content

LMS features allow users to report items or incidents.

You acknowledge:

LMS reports may be inaccurate or incomplete;
Kibruzo does not verify or investigate claims; and
Kibruzo is not responsible for recovery, enforcement, or dispute resolution.

You agree:

to contact appropriate authorities for legal matters; and
not to rely solely on Kibruzo for recovery or enforcement.

Kibruzo is not liable for:

false reports;
failure to recover items; or
actions taken based on LMS content.

6. Third-Party Services

Kibruzo uses third-party providers, including Stripe, for:

payment processing;
affiliate payouts; and
identity verification.

Identity Verification

When you complete identity verification, personal data may be collected by Stripe, including:

name;
date of birth;
government ID information; and
biometric data (e.g., selfie).

Kibruzo typically receives:

verification status;
limited identity details; and
risk indicators.

Kibruzo does not guarantee:

accuracy of third-party verification; or
completeness of identity data.

Use of third-party services is subject to their terms and policies.

7. Affiliate Program

Kibruzo may offer an affiliate program.

You agree:

participation is voluntary;
payouts are not guaranteed; and
earnings depend on valid transactions.

Kibruzo:

is not responsible for affiliate marketing claims;
may suspend or terminate affiliate accounts at its discretion; and
may withhold or reverse payouts in cases of fraud, abuse, or violations.

Affiliates are independent participants, not employees or agents.

8. User Content License

By submitting content, you grant Kibruzo a:

worldwide,
non-exclusive,
royalty-free,
perpetual, and
sublicensable

license to:

use,
store,
display,
reproduce,
modify,
analyze, and
distribute

your content for:

Platform operation;
search and indexing;
analytics;
system improvement; and
AI and automated processing.

You retain ownership of your content, but grant these rights to Kibruzo.

9. AI and Automated Processing

Kibruzo may use automated systems, including artificial intelligence, to:

classify content;
generate descriptions;
detect fraud or misuse; and
improve system performance.

You acknowledge:

AI outputs may be inaccurate;
AI results are not authoritative or verified; and
Kibruzo is not responsible for decisions made based on AI outputs.

Content may be processed by third-party AI services.

10. Sensitive Data and Image Content

You agree not to upload:

government identification documents;
financial information; or
sensitive personal data,

unless explicitly required by the Platform.

If you upload such data:

you do so at your own risk; and
Kibruzo is not responsible for misuse, exposure, or unintended processing.

11. Business Interactions and Promotions

Kibruzo may allow businesses to:

create posts;
share recommendations; and
offer promotions.

Kibruzo:

does not guarantee accuracy of business content;
is not responsible for services provided; and
is not liable for transactions, disputes, or outcomes.

All interactions are between users and businesses directly.

12. Account Control and Termination

Kibruzo may:

suspend or terminate accounts;
remove content; or
restrict access,

at its sole discretion, with or without notice.

13. Disclaimers

The Platform is provided “as is” and “as available.”

Kibruzo disclaims all warranties, including:

accuracy;
reliability;
availability; and
fitness for a particular purpose.

14. Limitation of Liability

To the maximum extent permitted by law:

Kibruzo shall not be liable for:

indirect, incidental, or consequential damages; or
loss of data, profits, or business opportunities.

Total liability shall not exceed:

the amount paid by you to Kibruzo in the past 12 months; or
$100,

whichever is greater.

15. Indemnification

You agree to indemnify and hold harmless Kibruzo from any claims arising from:

your content;
your use of the Platform;
your violation of these Terms; or
disputes with other users or businesses.

16. Dispute Resolution

These Terms are governed by the laws of the State of Florida.

Disputes shall be resolved through:

binding arbitration; and
in Florida.

You waive the right to:

jury trial; and
class action participation.

17. Changes to Terms

Kibruzo may update these Terms at any time.

Continued use of the Platform constitutes acceptance of changes.

18. Cryptographic Integrity Anchors

Kibruzo may record cryptographic proofs of certain records, including hashes, commitments, Merkle roots, timestamps, and verification metadata. These proofs are designed to verify record integrity without storing the underlying content on public blockchains. Deleting user content from Kibruzo removes the readable content from Kibruzo systems according to our retention policy, but non-identifying integrity anchors may remain in public or third-party timestamping systems.

19. Contact

For questions regarding these Terms, contact: support@zurzag.com