Effective Date: 22nd September 2025
Please read these Terms and Conditions (“Terms”) carefully before using the SMARTER RICHER BRAVER mobile application (the “App”) operated by KFI Global (“we,” “us,” or “our”).
By accessing or using the App, you agree to be bound by these Terms. If you do not agree with any part of the Terms, you may not access the App.
- Educational Purpose Only
SMARTER RICHER BRAVER is an educational app. It does not provide financial, legal, investment, or tax advice. All content is for general knowledge-building only. You are solely responsible for any decisions you make based on your use of the App.
- Eligibility
The App is intended for users aged 13 and above. By using SMARTER RICHER BRAVER, you confirm that you meet the minimum age requirement or that your parent or legal guardian has accepted these Terms on your behalf.
- Acceptable Use
You agree to:
- Use the App only for lawful, personal, and non-commercial purposes.
- Not copy, share, or sell any part of the App or its content.
- Not attempt to disrupt the functionality or security of the App.
- Not upload or submit anything misleading, offensive, or illegal.
- Intellectual Property
All content within SMARTER RICHER BRAVER—including text, images, audio, interactive elements, and structure—is the intellectual property of KFI Global. Unauthorized reproduction, distribution, or modification is strictly prohibited.
- Privacy & Data
We collect limited data to help personalize your experience, track your progress, and generate anonymous insights for schools or sponsors. We do not sell your data. See our Privacy Policy for full details.
- Feedback & Content
Any feedback, responses, or submissions you make within the App may be used (in anonymous form) for research, reporting, and content development. You grant KFI Global the right to do so without additional permission.
- Modifications & Updates
We may update the App or these Terms at any time. If we make significant changes, we’ll notify you in-app. Continuing to use SMARTER RICHER BRAVER means you accept the changes.
- Liability Disclaimer
KFI Global is not liable for any financial loss, misunderstanding, or decision made based on your use of the App. The App is provided “as is,” with no guarantees or warranties.
- Termination
We reserve the right to suspend or terminate your access if you breach these Terms, misuse the App, or disrupt the learning environment.
- Governing Law
These Terms are governed by the laws of the United Arab Emirates. Any disputes will be resolved through the UAE legal system.
- Contact Us
KFI Global
Email: info@kfi.global
Website: https://kfi.global