Terms of Service and Marketplace User Agreement

These Terms of Service and Marketplace User Agreement (the “Terms”) form a legally binding agreement between you and KAMU ADMINISTRATION LTD., a Canadian corporation carrying on business as Kamu (“Kamu,” “Company,” “we,” “us,” or “our”). Kamu is a wholly owned subsidiary of RAZIF HOLDINGS LTD. Razif Holdings Ltd. is not a party to these Terms and does not assume Kamu’s obligations merely because it owns Kamu, unless Razif Holdings Ltd. expressly agrees otherwise in a separate written instrument.

These Terms govern the Kamu websites, mobile and web applications, conversational and other artificial-intelligence features, service marketplace, business workspaces, communications functions, software, APIs, and related services that link to these Terms (collectively, the “Platform”).

Please read these Terms carefully. They include important provisions concerning independent service providers, contract formation, payments, cancellations, artificial-intelligence output and actions, account suspension and deletion, disclaimers, limitations of liability, and disputes. Nothing in these Terms excludes or limits any right or remedy that applicable law does not permit us to exclude or limit.

By creating an account, clicking an acceptance control, completing a Transaction, or otherwise using a part of the Platform after these Terms are presented to you, you agree to these Terms. If you do not agree, do not accept them or use the affected part of the Platform.

1. THE AGREEMENT

1.1 Scope

These Terms apply to all Platform functions made available by Kamu and expressly linked to these Terms. They apply regardless of the product, domain, application, or brand name through which the Platform is offered, including Kamu and any successor brand, unless a service expressly identifies different terms.

1.2 Contracting entity

Your contract for use of the Platform is with KAMU ADMINISTRATION LTD. The Company’s registered and mailing address is 1322 Avenue G N, Saskatoon, Saskatchewan S7L 2A7, Canada.

1.3 Acceptance and electronic contracting

You accept these Terms only after they are conspicuously presented and you take an affirmative acceptance action. Electronic acceptance, signatures, notices, receipts, and records have the same effect as their paper equivalents to the extent permitted by law. Mere browsing before these Terms are presented is not acceptance.

1.4 Acting for an organization

If you use the Platform for a corporation, employer, client, or other organization, you represent that you have authority to bind that organization. In that case, “you” includes both you and the organization, and the organization is responsible for activity conducted through its workspace and authorized accounts.

1.5 Related documents

The following documents may also apply:

1. the Privacy Policy;
2. the Cookie and Similar Technologies Policy;
3. Transaction-specific descriptions, offers, confirmations, cancellation terms, and other Transaction Terms;
4. payment-processor, app-store, identity-provider, and Connected Service terms;
5. Provider, business, API, subscription, beta, or other feature terms expressly accepted by you; and
6. any separate written agreement signed by you and the Company.

Transaction-specific terms govern the relevant Transaction. A separately signed agreement prevails to the extent it expressly addresses the same subject. No document reduces a mandatory consumer or statutory right.

2. DEFINITIONS

In these Terms:

1. “AI Features” means conversational assistants, generated responses, recommendations, matching, summarization, classification, speech processing, workflow automation, tool calls, and other machine-learning functions.
2. “Company Content” means the Platform, software, interfaces, designs, documentation, databases, trademarks, and content owned or licensed by the Company, excluding User Content.
3. “Connected Service” means a third-party account, device, API, payment service, communications service, email account, file-storage account, identity provider, app store, map service, AI provider, or other third-party service connected to or used with the Platform.
4. “Customer” means a User who requests, purchases, schedules, or receives Provider Services.
5. “Marketplace Provider” or “Provider” means an independent User or business that offers or performs Provider Services through or in connection with the Platform.
6. “Organization Account” means an account or workspace used on behalf of a corporation, employer, client, or other organization.
7. “Provider Services” means physical or remote services, work, consultations, goods incidental to services, digital deliverables, or other results offered or supplied by a Provider.
8. “Transaction” means a request, offer, booking, order, subscription, purchase, payment, assignment, or other arrangement made through the Platform.
9. “Transaction Terms” means the parties, service description, scope, price, currency, fees, taxes, timing, cancellation and refund terms, deliverables, formation event, and other terms disclosed for a Transaction.
10. “User” means a Customer, Provider, organization administrator or member, visitor, or other authorized Platform user.
11. “User Content” means information or material submitted, uploaded, generated, transmitted, or made available by a User, including prompts, messages, requests, offers, documents, images, audio, video, reviews, and deliverables.

3. ELIGIBILITY AND AVAILABILITY

3.1 Age and legal capacity

You must be at least eighteen years old, have reached the age of majority where you live, and have legal capacity to enter contracts. The Platform is not directed to children or intended for their independent use.

3.2 Lawful use

You may not use the Platform if your use is prohibited by applicable law, sanctions, trade controls, or a prior termination for serious fraud, safety, privacy, or security concerns, unless we expressly authorize your return.

3.3 Geographic and feature availability

Features, Providers, payment methods, app-store availability, and services may differ by location. Download availability does not mean that every function is legally or operationally offered in your location. We may restrict a feature or jurisdiction where required disclosures, licences, translations, payment arrangements, privacy measures, or safety safeguards are not available.

3.4 Authority over a request

A request concerning property, an account, a system, information, or another person may be submitted only by someone with lawful authority to request the work and grant the access needed to perform it.

4. ACCOUNTS, SIGN-IN, AND SECURITY

4.1 Accurate information

You must provide complete, current, and accurate account information and promptly update material changes.

4.2 Account responsibility

You are responsible for protecting your credentials, recovery channels, devices, and active sessions; using available security controls; and activity performed by persons you authorize. You must sign out on shared devices.

4.3 Prohibited account conduct

You must not share credentials with an unauthorized person, impersonate another person, transfer or rent an account, create a false account, or evade authentication, verification, security, rate-limit, or payment controls.

4.4 Verification and reauthentication

We may require contact, identity, business, licence, insurance, tax, or payment verification, or reauthentication before a sensitive action, where reasonably necessary for safety, fraud prevention, account security, feature eligibility, or legal compliance.

4.5 Sign in with Google

If you choose Sign in with Google, Google authenticates you and provides the account identifiers and profile information described on the Google consent screen and in the Privacy Policy. Sign in with Google is used for account creation, authentication, account linking, and security. It does not by itself authorize access to your Gmail, Google Drive, or other Google Workspace content. Any optional Google Workspace connection requires a separate authorization and is governed by section 19.

4.6 Sign in with Apple

If you choose Sign in with Apple, Apple authenticates you and may provide an Apple account identifier, your name, and either your email address or an Apple private relay address, according to your selections. We support Apple’s Hide My Email function. We use Sign in with Apple information for account creation, authentication, account linking, and security, as described in the Privacy Policy.

4.7 Account linking

You may link more than one permitted sign-in method to the same account after authentication. We may require verification before linking, unlinking, changing a primary sign-in method, or recovering an account. You are responsible for maintaining at least one valid recovery method where the Platform makes one available.

4.8 Security reporting

Promptly report suspected account compromise or a Platform security issue to security@razif.ca.

5. ORGANIZATION ACCOUNTS

5.1 Administration

An organization may authorize administrators, employees, contractors, and team members. The organization is responsible for granting and removing access, assigning appropriate permissions, managing workspace ownership, and ensuring that its Users comply with these Terms.

5.2 Organizational access

An authorized administrator may access, manage, export, restrict, or delete information associated with its workspace according to configured permissions. Users should not place personal information in an Organization Account if they do not wish the organization to access it.

5.3 Reliance on instructions

We may rely on instructions from an authorized administrator unless we reasonably believe the instruction is unauthorized, fraudulent, or unlawful.

6. THE COMPANY’S MARKETPLACE ROLE

6.1 Platform functions

The Platform provides technology for AI-assisted support, communication, organization, service discovery, matching, scheduling, payments, documentation, and Transaction management.

6.2 Independent Provider contract

Unless a Transaction expressly identifies the Company as the seller or direct service provider, Provider Services are offered and performed by an independent Provider and the underlying Provider Services contract is between the Customer and that Provider. The Company provides and administers the marketplace technology but is not a party to the Provider Services contract merely because the Transaction is arranged or paid through the Platform.

6.3 No employment or agency

Except where applicable law determines otherwise, a Provider is not an employee, worker, agent, partner, joint venturer, franchisee, or legal representative of the Company. A Provider may not bind the Company or make a representation on the Company’s behalf.

6.4 No marketplace guarantee

We do not guarantee that a User will complete a Transaction; that a particular Provider, request, price, response time, or result will be available; that a Provider will be suitable for every request; or that verification information will remain current after the date shown.

6.5 Mandatory responsibilities preserved

Facilitating matching, payment, reviews, screening, safety controls, or dispute support does not remove any responsibility that applicable law independently imposes on the Company.

7. CUSTOMER RESPONSIBILITIES

A Customer must:

1. describe the request accurately and disclose material conditions, hazards, access needs, deadlines, and limitations;
2. have authority to request the work and grant access to relevant property, systems, accounts, and information;
3. provide a reasonably safe environment and obtain permissions from any owner, landlord, employer, administrator, or other affected person;
4. review the Provider’s offer, qualifications, verification indicators, price, timing, scope, cancellation terms, and other Transaction Terms;
5. pay valid amounts when due, promptly raise material problems, and preserve reasonably available evidence;
6. cooperate reasonably with the Provider and any Platform review; and
7. not request unlawful, unsafe, deceptive, discriminatory, unauthorized, or unlicensed work.

Unless expressly and lawfully offered through a designated feature with appropriate safeguards, the Platform must not be used to arrange emergency response, childcare, unsupervised services for minors or vulnerable persons, medical treatment, legal representation, regulated financial advice, or another activity requiring safeguards the Platform does not provide.

8. PROVIDER RESPONSIBILITIES

8.1 Truthful profile and eligibility information

A Provider must provide current and accurate identity, business, experience, credential, licence, insurance, availability, price, and tax information and must not exaggerate a screening or verification status.

8.2 Performance

A Provider must perform Provider Services lawfully, safely, competently, professionally, and in accordance with the accepted Transaction Terms. A Provider must promptly disclose material exclusions, conflicts, delays, errors, subcontracting, or changes.

8.3 Legal and business compliance

A Provider is responsible for its personnel, tools, expenses, taxes, registrations, permits, licences, certifications, insurance, occupational health and safety, accessibility, privacy, consumer protection, and other legal obligations.

8.4 Customer information

A Provider may use Customer information only to perform and administer the Transaction, comply with law, or for another purpose separately authorized by the Customer. The Provider must protect the information, limit access to authorized personnel, and securely delete or return it when no longer required.

8.5 Subcontracting

Material subcontracting must be disclosed and approved where the Transaction Terms or applicable law require approval. The Provider remains responsible for authorized subcontractors.

8.6 Material events

A Provider must promptly disclose a material licence, credential, insurance, regulatory, safety, criminal, fraud, or other event that could affect eligibility or a displayed verification indicator.

8.7 No off-platform circumvention or misuse

A Provider must not misuse Customer contact information, evade disclosed Platform fees through deceptive conduct, interfere with a valid Transaction record, or direct a Customer to an unsafe or unlawful payment method.

9. REQUESTS, OFFERS, AND CONTRACT FORMATION

9.1 Requests are invitations

A Customer request ordinarily invites offers or matching and is not by itself an accepted Provider Services contract.

9.2 Offer contents

An offer must accurately identify the scope and deliverables, exclusions and assumptions, price and currency, fees and taxes, possible additional charges, timing, cancellation and refund terms, required Customer cooperation, and applicable warranties or restrictions.

9.3 Formation event

Customer confirmation creates a conditional Platform order. Unless the Company is expressly identified as the direct seller, the Customer–Provider contract forms only when an identified Provider affirmatively accepts the current offer, the Platform confirms an assignment under rules disclosed before confirmation, or another stated formation event occurs. The Transaction confirmation identifies the parties, formation event, and accepted Transaction Terms.

Payment-dependent matching or assignment does not occur until the payment processor confirms the required authorization. A hosted return page, a pending checkout session, an app message, or an AI statement is not proof of payment authorization or contract formation.

9.4 Pre-contract disclosure and correction

Before a paid Transaction is submitted, the Customer will be shown the supplier identity and available contact information; material service terms and restrictions; itemized charges, taxes, total, and currency; payment and performance terms; cancellation and refund terms; and any required consumer disclosures. The Customer will have an opportunity to correct material errors and expressly accept or decline.

9.5 Durable confirmation

Following valid acceptance, the Platform provides or makes available an electronic confirmation or copy of the accepted Transaction Terms that can be retained and reproduced.

9.6 Changes

A material change to scope, price, timing, deliverables, or the service location requires a documented change order, a new offer version, or clear written confirmation by the affected parties.

9.7 Controlled lifecycle

A Transaction may move through intake, submission, quotation, Customer confirmation, payment authorization, matching, offer, assignment, performance, evidence, Customer review, remediation, dispute, completion, or cancellation. Only actions authorized for the current state can validly change the Transaction. A chat message or AI response that is not accepted through an authorized action does not by itself change the Transaction or money movement.

9.8 Commercial terms

Price, currency, fees, taxes, payee, payment requirement, and capture strategy are set or validated by Company systems and the accepted Transaction Terms, not by an unverified client field or AI output. Acceptance freezes the applicable quote or offer version.

9.9 Evidence and completion

A Transaction may require photographs, receipts, files, status events, or other agreed evidence. A Provider’s completion report or upload is a submission for review, not Customer acceptance or independent Company verification. The Customer may accept, request available remediation, or open a service dispute. If the Transaction Terms contain a disclosed automatic-confirmation period, the Customer remains entitled to any mandatory consumer remedy.

9.10 Pre-performance cancellation by the Platform

We may decline or cancel a proposed Transaction for suspected fraud, an unauthorized payment, safety or legal concerns, Provider unavailability, a material technical or pricing error, sanctions, or a material breach. Amounts collected will be refunded or otherwise handled as required by the Transaction Terms and applicable law.

10. AI FEATURES, USER AUTHORITY, AND CONSENT

10.1 Function

AI Features may answer questions, organize information, draft or summarize content, find and compare options, maintain user-directed memory, support matching, manage workflows, and propose actions.

10.2 AI fallibility

AI output is probabilistic and may be inaccurate, incomplete, outdated, misleading, unsuitable, or offensive. Similar prompts may produce similar or different output. You must independently review output before relying on it or providing it to another person.

10.3 No professional or emergency substitute

AI Features are not medical, legal, tax, financial, engineering, safety, or emergency advice. The Platform is not an emergency service. Contact an appropriate qualified professional or emergency authority when necessary.

10.4 AI output is a proposal, not authority

AI output does not itself authorize a booking, payment, refund, transfer, disclosure, message, call, account change, or other consequential action. Such an action executes only through an enabled server-controlled workflow that authenticates and authorizes the actor, validates material business and payment terms, obtains any required confirmation, records the event, and verifies the external result. Silence, an expired approval, or model-generated identity or payment information is not authorization.

10.5 Bounded automation

A recurring or autonomous action must be affirmatively enabled, purpose-limited, reviewable, and revocable. Available controls may limit its scope, duration, amount, or recipient. Revocation stops future steps where technically possible but may not recall an external message already transmitted or cancel a Transaction already validly committed.

10.6 Express consent before third-party AI processing

Before private User Content is disclosed to an external AI, speech, vision, or transcription provider for a feature, the Platform presents a clear, feature-level notice describing the categories of information involved, the processing purpose, and the relevant provider or provider category, and obtains your express permission. If you decline, the external processing does not occur and you may not be able to use that AI Feature, but you may continue to use other available Platform functions.

You may withdraw optional AI-processing permission through the in-product permission control available with the AI Feature. If no withdrawal control is available for a feature, its external AI processing remains disabled. Withdrawal does not reverse processing already completed at your direction or require deletion of information that must lawfully be retained.

10.7 AI service providers and generalized model training

Depending on the feature you select, approved service providers may process prompts, messages, selected account content, documents, images, audio, transcripts, or related context solely to provide the requested feature, maintain security, and comply with law, as further described in the Privacy Policy. Kamu does not authorize those providers to use identifiable private User Content to create, train, or improve generalized, foundation, frontier, or other cross-user AI or machine-learning models.

10.8 Images, audio, and voice

An enabled image feature may use external vision processing. Speech features may create audio and transcripts. An optional mathematical speaker representation may help distinguish an enrolled speaker only after a separate notice and express consent. It is not proof of identity or liveness and cannot independently authorize a payment, booking, disclosure, or account change.

10.9 Prohibited AI use

You must not use AI Features to impersonate, deceive, discriminate unlawfully, exploit a minor or vulnerable person, create or distribute malware, disclose unauthorized information, evade safeguards, conduct unauthorized surveillance, or make a regulated or high-impact decision without legally required controls.

10.10 Significant decisions

Where automated processing materially supports a decision that has legal or similarly significant effects, Kamu will provide any notice, explanation, correction, objection, human review, or intervention rights required by applicable law.

10.11 No uniqueness or intellectual-property guarantee

AI output may resemble content provided to others and may not qualify for intellectual-property protection. We do not warrant that AI output is unique, accurate, non-infringing, or registrable.

10.12 Rights in AI output

As between you and the Company, and to the extent the Company owns any rights in an AI output generated specifically in response to your permitted use, the Company assigns those rights to you upon creation. This assignment does not transfer rights in Company Content, another User’s content, third-party material, a Provider deliverable, or underlying models and systems. Your use of output remains subject to these Terms, applicable law, and any third-party rights.

11. PAYMENTS, FEES, AND PAYOUTS

11.1 Payment processor

We may use an independent payment processor, including Stripe or another processor identified at checkout. The processor’s terms and privacy notice apply to its service. Full card and bank credentials are ordinarily collected by the processor rather than the Company.

11.2 Payment authorization

By providing a payment method, you represent that you are authorized to use it and authorize only the amount and payment instruction displayed at confirmation. We may correct a duplicate or erroneous bookkeeping entry, but we will not increase a charge or create a new debit without fresh authorization unless applicable law expressly permits it.

11.3 Authorization holds

A temporary authorization is not necessarily a completed charge. Release timing may be controlled by the processor, card network, and financial institution.

11.4 Company and Provider charges

The checkout disclosure identifies the price, currency, applicable Provider charges, Company fees, taxes, credits, and total. The seller, payment recipient, collection-agent, or merchant-of-record role will be identified where required. A payment hold or delayed capture is not escrow unless a legally compliant escrow arrangement is expressly identified.

11.5 Physical services and app-store purchases

Payments for physical services or goods consumed outside a mobile application may be processed through the payment method shown by the Platform. Purchases of digital functionality or content consumed within a mobile application will use the applicable app-store purchase method where required by app-store rules or law. App-store purchases, cancellations, and refunds are also subject to the applicable app-store terms.

11.6 Provider payouts

Payouts may be subject to completion, processor settlement, refunds, disputes, chargebacks, reserves, tax reporting, fraud review, payment-account capability, and disclosed fees. To the extent permitted by law and applicable payment terms, a Provider authorizes deduction or recovery of disclosed fees, refunds, chargebacks, duplicate or fraudulent payments, required tax withholding, and other expressly authorized amounts.

11.7 Taxes

Providers are responsible for taxes arising from Provider Services unless law requires the Company or processor to collect, report, withhold, or remit an amount. Customers remain responsible for taxes identified as their responsibility under the Transaction Terms.

11.8 Distinct payment states

“Authorized” or “held” does not necessarily mean charged; “captured” does not mean released to a Provider; “released” or “transferred” does not mean deposited in a Provider’s bank account; and a refund may remain requested or processing, or may fail, until the processor confirms it. Verified processor evidence governs over a general Platform label, subject to applicable law.

11.9 Refund and payment-dispute controls

A processor dispute, chargeback, refund, reversal, or administrative payment hold may pause capture, release, transfer, or payout. A service dispute does not by itself start a card-network chargeback, guarantee a refund, or necessarily freeze funds. A refund is complete only when the processor confirms it. We may require a reason, supporting evidence, and stronger authentication for a higher-risk money action.

11.10 Promotions and credits

Credits and promotions may have separate disclosed conditions and may be withdrawn for fraud, abuse, or material error. They do not remove statutory rights.

12. SUBSCRIPTIONS

If the Platform offers a subscription, before enrolment we will disclose the price, currency, billing frequency, included features, renewal terms, trial conditions, cancellation method, and the effective date of cancellation. A recurring charge requires affirmative authorization. Cancellation will be available through the method disclosed at enrolment and any simpler method required by law or app-store rules. App-store subscriptions are managed and refunded under the applicable store’s procedures, subject to mandatory law.

13. CANCELLATIONS, REFUNDS, AND SERVICE DISPUTES

13.1 Transaction-specific terms

Cancellation and refund terms may account for timing, preparatory work, custom materials, travel, non-recoverable third-party costs, no-shows, and service type. They will be disclosed before acceptance.

13.2 Mandatory rights

A Provider policy does not override any statutory cancellation period, quality guarantee, non-performance remedy, refund, chargeback, or other non-waivable protection.

13.3 Problem reporting

A Customer should stop unsafe use, promptly notify the Provider and Company, preserve relevant communications and evidence, and reasonably cooperate with review.

13.4 Remediation

If work is rejected for a material and documented reason, the Platform may permit correction, reassignment, a revised offer, partial resolution, cancellation, or dispute review. The available remedy depends on the accepted scope, evidence, performance, payment state, and mandatory law.

13.5 Service disputes and payment disputes

Opening a service dispute asks the Platform to review a performance or marketplace issue. It does not itself initiate a card-network chargeback, guarantee a refund, or guarantee that capture or payout will be frozen. Where available controls and the recorded payment state permit, we may place an administrative hold while reviewing the matter. A Platform-administration decision does not prevent any non-waivable court, tribunal, regulator, or chargeback right.

13.6 Refund method

Refunds ordinarily return to the original payment method unless applicable law permits and the Customer agrees to another method.

13.7 EEA and UK withdrawal rights

Where a statutory distance-contract withdrawal right applies, we will provide the required notice and controls. Any request for early performance or acknowledgment concerning loss of a withdrawal right will be obtained separately where required.

14. PROVIDER SCREENING, BACKGROUND CHECKS, AND SAFETY

14.1 Screening program

Depending on the service, jurisdiction, and risk, Kamu or an authorized screening provider may verify contact or identity information, business registration, professional credentials, licences, insurance, references, experience, sanctions, fraud indicators, criminal-record information, or other lawful background information. The Platform identifies which screening dimension has been completed for a Provider.

14.2 Accuracy and limits of screening indicators

A screening indicator applies only to the dimension, scope, source, and date displayed. Screening is limited in source, scope, and time and does not guarantee identity, character, competence, safety, legality, solvency, performance, or future conduct. A missing, pending, expired, self-asserted, or manually uploaded item is not a completed third-party check.

14.3 Sensitive checks and fairness

Criminal-record, identity, credit, biometric, or similarly sensitive screening is subject to required notice, consent, access, correction, relevance, identity matching, human review, and adverse-decision procedures. We may suspend a screening indicator or capability while evidence is expired, disputed, or under review.

14.4 Separate statuses

Marketplace approval, payment-processor onboarding, payout eligibility, and each screening dimension are separate. Completion of one does not imply completion of another.

14.5 User precautions

Users remain responsible for reasonable personal, property, and online-safety precautions. Report suspected fraud, impersonation, harassment, abuse, or unsafe conduct through the reporting tools or to support@kamu.ca.

15. REVIEWS AND RATINGS

15.1 Authenticity

A review must concern a genuine experience and must not be false, defamatory, discriminatory, extortionate, manipulated, or disclose irrelevant personal information.

15.2 Material connections

A reviewer must disclose any payment, free service, employment, family relationship, ownership interest, or other connection that could affect apparent independence.

15.3 Integrity

Users must not purchase or coordinate false reviews, review an affiliated business as an independent customer, threaten a negative review to obtain an improper benefit, or retaliate against an honest review.

15.4 Moderation

We may label, restrict, remove, or investigate reviews for legality, safety, authenticity, or integrity. Moderation is not verification or endorsement of every review.

16. USER CONTENT AND COMMUNICATIONS

16.1 Ownership

As between you and the Company, you retain ownership of your User Content, subject to rights held by others and the licences granted in these Terms.

16.2 Licence to operate the Platform

You grant the Company a worldwide, non-exclusive, royalty-free, sublicensable licence to host, store, reproduce, format, transmit, display, translate, analyze, and otherwise use User Content only as reasonably necessary to operate, secure, improve, and support the Platform; perform your requests; administer Transactions; enforce these Terms; and comply with law. For information obtained from a Connected Service, this licence is further limited by section 19, the Privacy Policy, the permissions you grant, and the applicable provider’s policies. In particular, it does not authorize use of Google Workspace API data for advertising or to train generalized or cross-user AI models. This licence ends when the content is deleted from our active systems, except for lawful retention, backups, evidence, and rights that by their nature survive.

16.3 Your responsibility

You represent that you have all rights, permissions, and lawful authority necessary to submit User Content and permit its use as described in these Terms and the Privacy Policy. You are responsible for its accuracy, legality, and the consequences of disclosing it.

16.4 Confidential and sensitive information

Do not submit another person’s confidential, regulated, or sensitive information unless you have lawful authority and the selected feature is appropriate for that information. Do not submit passwords, private cryptographic keys, full payment credentials, government identifiers, health records, or other highly sensitive information unless the Platform expressly requests it through a secure designated workflow.

16.5 Communications and records

Platform messages, calls, files, and status events may form part of a Transaction record. Users must not alter, falsify, or destroy records to misrepresent a Transaction, payment, consent, or dispute.

16.6 Digital and creative deliverables

Ownership and licence terms for a Provider-created deliverable are stated in the Transaction Terms. If the Transaction Terms do not specify otherwise, the Provider retains ownership of pre-existing materials and grants the Customer, upon full payment, a non-exclusive, worldwide, perpetual, paid-up licence to use the final deliverable for the purpose reasonably contemplated by the Transaction. Third-party and open-source materials remain subject to their applicable terms.

17. USER-GENERATED CONTENT, REPORTING, AND MODERATION

17.1 Prohibited content

You may not post, transmit, or facilitate content that is illegal, fraudulent, threatening, harassing, hateful, discriminatory, sexually exploitative, abusive, privacy-invasive, defamatory, infringing, malicious, deceptive, or designed to compromise a person or system. You may not solicit personal information from a minor or exploit a vulnerable person.

17.2 Reporting

Users may report objectionable content, conduct, accounts, Providers, Transactions, reviews, or communications through available in-app reporting functions or by contacting support@kamu.ca. Reports should identify the content or conduct and provide enough context for review.

17.3 Blocking

Where the Platform provides a blocking function, a User may block another User to restrict future direct interaction. Blocking does not automatically cancel an active Transaction, erase records, or prevent safety, legal, payment, or dispute communications that remain necessary.

17.4 Moderation action

We may promptly investigate and, where appropriate, remove or restrict content; warn, restrict, suspend, or terminate a User; preserve evidence; contact affected persons; or report suspected illegality to an appropriate authority. We may use automated tools to prioritize or detect possible violations, but material enforcement decisions are subject to human review where required by law.

17.5 No monitoring obligation or endorsement

We are not required to review every item before publication and do not endorse User Content merely because it appears on the Platform. We remain responsible for any moderation or removal duty that applicable law imposes.

17.6 Appeals and correction

Where appropriate and legally permitted, we provide a way to contest a material moderation decision or correct inaccurate information. Immediate restrictions may remain in place during review where delay could increase harm.

18. INTELLECTUAL PROPERTY AND PLATFORM LICENCE

18.1 Ownership

The Company and its licensors retain all right, title, and interest in Company Content and the Platform, including software, interfaces, workflows, branding, databases, and documentation.

18.2 Limited licence

Subject to these Terms, we grant you a personal, limited, revocable, non-exclusive, non-transferable, and non-sublicensable licence to access and use the Platform for its intended purpose during your authorized use.

18.3 Restrictions

Except to the extent a restriction is prohibited by law, you must not copy, sell, rent, sublicense, distribute, modify, create a derivative work from, reverse engineer, decompile, extract source code from, defeat security for, or use the Platform to build a competing database or service. These restrictions do not prevent lawful interoperability, authorized security research, or another activity that cannot lawfully be restricted. Open-source components remain subject to their licences.

18.4 Trademarks

Kamu, Kamu logos, “Kamu, a Razif company,” and related marks are trademarks of the Company or its licensors. No licence to use them is granted except as necessary to identify genuine Platform use.

18.5 Feedback

If you provide suggestions or feedback, you grant the Company a perpetual, worldwide, irrevocable, royalty-free right to use it without identifying you or disclosing your confidential information.

19. GOOGLE, APPLE, AND OTHER CONNECTED SERVICES

19.1 Separate services and terms

Connected Services are provided by third parties and may have separate terms, privacy notices, availability, and technical limits. You must comply with those terms when using the connection.

19.2 Authority and permissions

You may connect only an account that you are authorized to use. The authorization screen identifies the permissions requested. Kamu accesses and acts only within the permissions you grant, your Platform role, and the purpose described at connection.

19.3 Google Workspace connection is optional and separate from sign-in

Connecting Gmail or Google Drive is optional and is separate from Sign in with Google. If you choose to connect a Google Workspace service, you authorize Kamu to access only the Google data and scopes disclosed on the Google consent screen and in the Privacy Policy to provide the user-facing functions you select, such as retrieving selected email or file content, summarizing it, drafting a response, or sending a message you authorize.

Kamu does not sell Google Workspace data, use it for advertising, or use it to create, train, or improve generalized, foundation, frontier, or other cross-user AI or machine-learning models. Kamu’s use of information received from Google APIs will adhere to the Google API Services User Data Policy, including the Limited Use requirements.

19.4 External processing of selected Google content

If an enabled feature requires selected Google content to be processed by an approved AI service provider, the Platform presents the applicable disclosure and obtains your affirmative permission before that processing. The provider processes the content solely to complete the action you requested, maintain security, and comply with law, as described in the Privacy Policy.

19.5 Apple identity connection

Sign in with Apple is governed by section 4.6 and Schedule A. We respect Apple private relay addresses and do not require you to reveal the underlying email address where the relay address is sufficient to operate the account.

19.6 Revocation and disconnection

You may disconnect an optional Connected Service through available Platform or provider controls. Disconnection stops future access after the authorization is revoked, but it may not recall a completed message or action, cancel an existing Transaction, or erase information lawfully retained. Account deletion is governed by section 24 and the Privacy Policy.

19.7 Independent conduct

We are not responsible for a Connected Service’s independent conduct or availability, but remain responsible for our own selection and use of service providers where applicable law requires.

20. ACCEPTABLE USE

You must use the Platform lawfully, honestly, and without endangering another person or interfering with systems. You must not:

1. violate law, a court order, regulatory requirement, licence, contract, or third-party right;
2. commit or facilitate fraud, money laundering, identity theft, sanctions evasion, deceptive conduct, or unauthorized surveillance;
3. threaten, harass, stalk, exploit, discriminate against, or harm another person;
4. offer or request illegal goods or services, regulated activity without authorization, weapons trafficking, human trafficking, or sexual exploitation;
5. submit malware, destructive instructions, credential-stealing content, or another cyber threat;
6. gain unauthorized access, scrape personal information, evade usage limits, probe systems, or test vulnerabilities outside an authorized security program;
7. impersonate a person or falsely claim affiliation, endorsement, qualifications, or verification;
8. manipulate payments, refunds, promotions, referrals, reviews, rankings, matching, screening, or verification;
9. send unlawful unsolicited communications or use Platform information for unauthorized profiling, marketing, or model training;
10. use an unapproved automated agent, bypass a confirmation or access control, or help another person perform prohibited conduct; or
11. interfere with Platform integrity, another User’s access, or an investigation.

21. PRIVACY AND ELECTRONIC COMMUNICATIONS

21.1 Privacy

The Privacy Policy and Cookie and Similar Technologies Policy explain how the Company handles personal information. Providers and organizations may have independent legal obligations for information they receive.

21.2 Operational messages

You agree to receive electronic account notices, receipts, Transaction confirmations, security alerts, support messages, and legally required communications. These are not promotional communications. You must maintain current contact information.

21.3 Marketing

We send promotional communications only where permitted by applicable law. Marketing messages identify the sender, include the required contact information, and provide a functioning unsubscribe method. Withdrawing marketing consent does not stop essential account, security, legal, or Transaction messages.

21.4 Calls, recording, and transcription

A User initiating a call, recording, or transcription through the Platform must have lawful authority and any consent required for an automated, artificial-voice, prerecorded, promotional, recorded, or transcribed communication. Before substantive interaction or capture, the Platform or initiating User must provide legally required identity, AI, recording, and transcription notices and obtain any required consent. Emergency, premium-rate, unlawful marketing, and prohibited-number calls are not permitted.

21.5 Reports and disputes are separate

A safety, trust, or conduct report asks the Platform to review possible misuse. It is separate from a service dispute, refund request, processor dispute, or chargeback and does not itself change a Transaction or payment state.

22. PLATFORM AVAILABILITY, UPDATES, AND BETA FEATURES

22.1 Availability and changes

We may update, repair, replace, or discontinue features and do not guarantee uninterrupted, error-free, or universal availability. Where practicable, we will provide notice of a material discontinuation affecting an active paid service. Immediate changes may be necessary for security, safety, law, fraud prevention, or third-party failure.

22.2 Updates

Security, compatibility, and legal updates may be required. Failure to install an update may limit functionality or expose your device or account to risk.

22.3 Beta features

Preview, experimental, or beta features may be incomplete, change without notice, and contain errors. Do not use them for a critical purpose unless the feature is expressly approved for that purpose.

23. SUSPENSION AND TERMINATION

23.1 Company action

We may restrict, suspend, or terminate access for a material or repeated breach; suspected fraud or illegality; a safety, privacy, or security risk; non-payment; invalid required credentials; abuse of a Connected Service; a legal requirement; or service discontinuation.

23.2 Notice and appeal

Where appropriate, we will provide notice and an opportunity to correct or appeal. We may act immediately where delay could increase harm, fraud, data loss, security risk, or legal exposure.

23.3 Consequences

Termination ends your Platform licence but does not automatically cancel a completed Transaction, accrued payment, refund right, intellectual-property licence, or legal duty. Provisions that by their nature should continue survive termination.

24. ACCOUNT DEACTIVATION, CLOSURE, AND DELETION

24.1 Deactivation

Deactivation is a reversible restriction of access and does not itself erase account information.

24.2 User-initiated deletion

You may initiate account deletion through the account or privacy settings in the Platform. If you no longer have access to the application, you may submit a deletion request through the public Account Deletion page. We may require reasonable verification to protect the account from unauthorized deletion. We will not require you to reinstall an application solely to request deletion.

24.3 Completion of deletion

Once verified and after any short period shown before final confirmation, account deletion removes access and deletes or de-identifies personal information associated with the account, subject to the Privacy Policy and information we must or may lawfully retain for active Transactions, payments, tax and accounting obligations, fraud and security, dispute evidence, legal claims, regulatory requirements, backups, and enforcement of these Terms.

24.4 Pending obligations

Deletion or closure may be delayed or limited while an active booking, payment, dispute, safety matter, legal hold, or Organization Account ownership transfer must be resolved. We will explain a material delay where permitted.

24.5 Connected sign-in services

Deleting a Kamu account is separate from deleting a Google or Apple account. As part of deletion, Kamu deletes stored connection tokens when no longer required and initiates revocation of the applicable Sign in with Apple authorization. You may also revoke Kamu’s access directly through your Google or Apple account settings.

24.6 Organization Accounts

An organization administrator may request deletion of a workspace subject to authority verification and any retention or transfer obligation. Deleting an individual’s membership does not necessarily delete records that belong to the organization or another Transaction party.

25. DISCLAIMER OF WARRANTIES

25.1 Maximum lawful extent

This section applies only to the maximum extent permitted by applicable law.

25.2 As is and as available

The Platform and Company Content are provided “as is” and “as available.”

25.3 No implied guarantee

We do not guarantee uninterrupted availability, freedom from every defect or third-party interruption, accuracy of AI output or User Content, suitability of a Provider, continuing validity of a credential or screening result, a particular result, or compatibility with every system or jurisdiction.

25.4 Provider responsibility

Independent Providers are responsible for Provider Services unless the Company is expressly identified as the direct provider.

25.5 Mandatory warranties preserved

Nothing excludes a statutory condition, warranty, guarantee, or remedy that cannot lawfully be excluded.

26. LIMITATION OF LIABILITY

26.1 Maximum lawful extent

This section applies only to the maximum extent permitted by applicable law.

26.2 Excluded losses

The Company is not liable for indirect, incidental, special, exemplary, punitive, or consequential loss, or lost profits, revenue, opportunity, goodwill, or data, even if the possibility was known, except where exclusion is prohibited.

26.3 Independent Users

The Company is not liable for the independent conduct of a Provider, Customer, or other User except to the extent the Company is legally responsible.

26.4 Aggregate cap

For a claim arising from a paid Platform service, the Company’s aggregate contractual liability will not exceed the greater of (a) the Company fees paid by the claimant during the twelve months immediately before the event giving rise to the claim, excluding amounts passed to Providers, and (b) CAD $100. For a free service, the cap is CAD $100.

26.5 Carve-outs

The limitations in this section do not apply to liability that cannot lawfully be limited; fraud; death or personal injury caused by negligence where non-limitable; prohibited limitations on gross negligence or wilful misconduct; an amount that the Company or payment processor is required to refund, reverse, remit, or return; the Company’s breach of confidentiality; liability caused by a failure to use safeguards legally required in the circumstances; or any statutory consumer, privacy, data-protection, employment, or product-liability remedy to the extent limitation would be unlawful or unreasonable.

26.6 Local restrictions

Where a jurisdiction does not permit an exclusion or cap, it applies only to the extent permitted.

27. INDEMNITY

27.1 Providers and organizations

To the extent permitted by law, a Provider or Organization Account will defend and indemnify the Company and its directors, officers, employees, and agents against a third-party claim or reasonable cost arising from its Provider Services; bodily injury or property damage for which it is responsible; personnel, tax, licence, or insurance obligations; infringing content; unlawful handling of personal information; fraud, wilful misconduct, or material breach; or an unauthorized representation made on behalf of the Company.

27.2 Consumer limitation

A Customer acting for personal, family, or household purposes is responsible under this section only to the extent a third-party claim arises from the Customer’s intentional unlawful conduct, fraud, or knowing infringement.

27.3 Process

We will give reasonable notice, permit participation, and cooperate at the indemnifying party’s expense. A settlement may not impose an admission, non-monetary obligation, or unreimbursed liability on the indemnifying party without its consent.

28. INTELLECTUAL-PROPERTY COMPLAINTS

A rights holder may send legal@razif.ca a notice identifying the protected work, the location of the disputed material, contact details, the basis of the claim, a good-faith accuracy statement, and a signature. We may request additional information, notify the affected User, preserve records, and restrict or restore material as lawful and appropriate. A knowingly false complaint may create liability.

29. DISPUTE RESOLUTION AND GOVERNING LAW

29.1 Dispute notice

Before starting a court proceeding, a party should send legal@razif.ca a written description of the relevant account, facts, requested resolution, and reasonably necessary supporting records.

29.2 Good-faith resolution

The parties will try for at least thirty days to resolve a complete notice. This does not prevent small claims, urgent or injunctive relief, a regulatory complaint, chargeback, statutory cancellation, or action necessary to preserve a limitation period.

29.3 Governing law

These Terms are governed by the laws of Saskatchewan and applicable federal laws of Canada, without regard to conflict-of-law rules.

29.4 Forum

Subject to section 29.5, the parties submit to the exclusive jurisdiction of competent courts located in Saskatoon, Saskatchewan, Canada.

29.5 Consumer savings

A consumer is not deprived of a mandatory law, remedy, tribunal, court, or forum available where the consumer lives. These Terms do not require mandatory arbitration and do not waive a class proceeding where such a waiver would be ineffective or materially restrict a consumer right.

30. INTERNATIONAL USE, TRADE CONTROLS, AND LOCAL RIGHTS

30.1 Local compliance

Users are responsible for laws applicable to their profession, business, Provider Services, content, conduct, and location.

30.2 Sanctions and export controls

You must not use, export, re-export, or transfer the Platform in violation of applicable sanctions, embargoes, export controls, or prohibited-end-use rules. You represent that you are not a prohibited or restricted party to the extent that representation may lawfully be required.

30.3 Greater local protection

If a mandatory local law gives you greater protection, it applies to the extent required.

30.4 Language rights

Where applicable law requires a French or local-language contract before acceptance, the required version and language choice will be provided. A translation does not reduce mandatory rights.

31. MOBILE APPLICATION LICENCE

31.1 Licence

The licence in section 18.2 applies to Kamu mobile applications and is subject to the applicable app-store usage rules.

31.2 App-store role

Except as expressly stated in an app-store’s terms, an app-store provider is not responsible for the Platform, Provider Services, support, maintenance, or claims concerning the application.

31.3 Apple App Store

Apple’s Standard Licensed Application End User License Agreement governs the licence to a Kamu application obtained through Apple’s App Store unless App Store Connect expressly presents another approved end-user licence agreement. Schedule A supplements that licence with Platform-specific terms. If Schedule A conflicts with Apple’s applicable licence solely as to use of the downloaded application, Apple’s applicable licence governs to the extent of the conflict. These Terms continue to govern the account, Platform, AI Features, Connected Services, Marketplace activity, Transactions, and Provider Services.

32. CHANGES TO THESE TERMS

32.1 Updates

We may amend these Terms to reflect legal, feature, operational, security, or risk changes. The revised version will state its effective date and will be published at https://kamu.ca/terms/.

32.2 Material changes

We will provide reasonable advance notice of a material reduction of rights or increase in obligations unless immediate change is required for law, safety, fraud prevention, or security, and will seek renewed acceptance where required.

32.3 Existing Transactions

A change does not retroactively alter an accepted Transaction unless the affected parties agree or applicable law requires it.

33. GENERAL PROVISIONS

33.1 Entire agreement

These Terms and the incorporated documents comprise the agreement on their subject, subject to a separately signed agreement.

33.2 Severability

If a provision is unlawful or unenforceable, it will be limited to the minimum extent necessary and the remainder will continue in effect.

33.3 No waiver

Delay or failure to enforce a provision is not a waiver.

33.4 Assignment

You may not assign these Terms without our written consent. We may assign them in connection with a merger, corporate reorganization, financing, asset sale, or transfer of the Platform if non-waivable rights and privacy obligations are preserved.

33.5 Force majeure

A party is not responsible for delay caused by circumstances beyond its reasonable control, except for payment already due, required data protection, or another duty that law does not permit it to avoid.

33.6 Interpretation

Headings are for convenience. “Including” means “including without limitation.” The singular includes the plural where context requires.

33.7 No third-party beneficiaries

Except for Apple and its subsidiaries under Schedule A and indemnified persons expressly identified in section 27, these Terms do not create rights for a person who is not a party.

33.8 Notices

We may send notices to the email address associated with your account, provide them in the Platform, or publish them where these Terms permit publication. Legal notices to the Company must be sent to legal@razif.ca and, where formal service is required, to the mailing address in section 34 using a method recognized by applicable law.

34. CONTACT INFORMATION

Contact purpose	Details
Platform operator and contracting entity	KAMU ADMINISTRATION LTD.
Parent company	RAZIF HOLDINGS LTD.
Registered and mailing address	1322 Avenue G N, Saskatoon, Saskatchewan S7L 2A7, Canada
Website	https://kamu.ca
General support	support@kamu.ca
Online support and contact	https://kamu.ca/contact/
Legal notices	legal@razif.ca
Privacy requests	privacy@razif.ca
Security reports	security@razif.ca

SCHEDULE A — APPLE APP STORE END-USER LICENCE TERMS

This Schedule applies only to the Kamu application obtained through Apple’s App Store (the “Licensed Application”). It supplements Apple’s Standard Licensed Application End User License Agreement or another end-user licence agreement that App Store Connect validly presents for the Licensed Application. It does not replace an Apple licence that applies independently through the App Store.

A.1 Acknowledgment

These Terms are concluded between you and KAMU ADMINISTRATION LTD., not Apple Inc. or any Apple affiliate (“Apple”). The Company, not Apple, is solely responsible for the Licensed Application and its content. These Terms may not provide usage rules for the Licensed Application that conflict with the Apple Media Services Terms and Conditions as of the Effective Date.

A.2 Scope of licence

The licence granted to you for the Licensed Application is non-transferable and limited to use on Apple-branded products that you own or control, as permitted by the Usage Rules in the Apple Media Services Terms and Conditions, except that the Licensed Application may be accessed and used by other accounts associated with you through Family Sharing, volume purchasing, or another Apple-supported feature where permitted.

A.3 Maintenance and support

The Company, not Apple, is solely responsible for providing maintenance and support services for the Licensed Application as specified in these Terms or as required by applicable law. Apple has no obligation to provide maintenance or support for the Licensed Application.

A.4 Warranty

The Company is solely responsible for any product warranty, whether express or implied by law, to the extent not effectively disclaimed. If the Licensed Application fails to conform to an applicable warranty, you may notify Apple, and Apple may refund the purchase price, if any, paid to Apple for the Licensed Application. To the maximum extent permitted by applicable law, Apple has no other warranty obligation with respect to the Licensed Application. The Company is responsible for any other claim, loss, liability, damage, cost, or expense attributable to a failure to conform to a warranty.

A.5 Product claims

The Company, not Apple, is responsible for addressing claims by you or a third party relating to the Licensed Application or your possession or use of it, including product-liability claims; claims that the Licensed Application fails to conform to a legal or regulatory requirement; and claims arising under consumer-protection, privacy, or similar legislation, including in connection with any HealthKit, HomeKit, or other regulated framework functionality if such functionality is offered.

A.6 Intellectual-property claims

If a third party claims that the Licensed Application or your possession and use of it infringes that party’s intellectual-property rights, the Company, not Apple, is responsible for the investigation, defence, settlement, and discharge of the claim.

A.7 Legal compliance

You represent and warrant that (a) you are not located in a country that is subject to a United States Government embargo or that has been designated by the United States Government as a “terrorist supporting” country, and (b) you are not listed on any United States Government list of prohibited or restricted parties.

A.8 Developer name, address, and contact information

The developer and Platform operator is KAMU ADMINISTRATION LTD., 1322 Avenue G N, Saskatoon, Saskatchewan S7L 2A7, Canada. Direct support is available at support@kamu.ca and https://kamu.ca/contact/. Legal notices may be sent to legal@razif.ca.

A.9 Third-party terms

You must comply with applicable third-party terms when using the Licensed Application, including wireless-data, communications, payment-provider, mapping, identity-provider, and Connected Service terms.

A.10 Third-party beneficiary

Apple and its subsidiaries are third-party beneficiaries of this Schedule. Upon your acceptance of these Terms, Apple has the right, and is deemed to have accepted the right, to enforce this Schedule against you as a third-party beneficiary.

SCHEDULE B — TRANSACTION DISCLOSURE RECORD

Before a consumer accepts a paid Transaction, the Transaction interface and durable confirmation identify, to the extent required by applicable law:

1. the Company’s legal name, current business address, and support contact, together with any additional contact information required by applicable law;
2. the Provider or other supplier and an available contact channel where required;
3. an accurate description of the service, material restrictions, timing, and location;
4. the itemized price, Company fees, Provider charges, taxes, other determinable costs, total, and currency;
5. the payment method, authorization or hold, payment schedule, and payout role;
6. cancellation, refund, no-show, rescheduling, complaint, and dispute terms;
7. delivery or performance arrangements, warranties, and applicable withdrawal rights;
8. an opportunity to correct errors and expressly accept or decline; and
9. an electronic receipt or contract copy that can be retained and reproduced.

SCHEDULE C — TRANSACTION LIFECYCLE AND MONEY MOVEMENT

Stage	Authorized event	Commercial and legal effect
Request and intake	The Customer supplies required scope, constraints, and authority information and submits a request.	The request invites review, offers, or matching; it is not yet an accepted Provider Services contract.
Quote or offer	An authorized Provider or pricing workflow supplies scope, exclusions, timing, price, currency, fees, and applicable cancellation terms.	The Customer may review, correct, decline, or confirm the identified version.
Customer confirmation	The Customer affirmatively accepts the frozen quote or offer and required disclosures.	A conditional Platform order is created. A hosted return page or pending checkout session is not payment authorization.
Payment authorization	The processor confirms the required authorization or other disclosed payment condition.	A hold is not necessarily a completed charge and is not escrow. Failure prevents payment-dependent matching or assignment.
Matching and assignment	A Provider accepts an authorized offer or the Platform confirms an assignment under disclosed rules.	The assigned Provider may receive information reasonably necessary to perform the Transaction.
Performance	The Provider begins, updates, and reports work through permitted actions.	Material scope changes require a documented change. Unauthorized messages or AI output do not change state or price.
Evidence and Customer review	Required proof is submitted and the Customer reviews it.	Proof is not Customer acceptance or independent Company verification. Customer acceptance or another authorized completion event may permit capture and payout eligibility.
Remediation or service dispute	The Customer requests remediation, a party raises a service dispute, or an authorized operator identifies a material problem.	Correction, reassignment, cancellation, or documented resolution may follow. A service dispute alone does not create a chargeback or guarantee a refund or payment freeze.
Cancellation or completion	An authorized terminal event is recorded and the processor confirms applicable money movement.	Accrued rights, refunds, chargebacks, records, taxes, confidentiality, and dispute rights survive where applicable.

SCHEDULE D — AI ACTION AUTHORITY AND CONFIRMATION

AI-assisted activity	Default authority	Required control
Answer, summarize, classify, or draft	May generate a proposed output in the User’s session.	Clear AI context, data minimization, and User review; no professional or accuracy guarantee.
Search or retrieve connected content	May retrieve only within granted account scopes and User or workspace authorization.	Purpose-limited request, access check, logging, and applicable external-processing disclosure and consent.
Send email or SMS, place a call, or disclose content	Proposal only unless a valid bounded automation expressly authorizes it.	Display the recipient and material content or purpose; obtain confirmation and validate server-side. Calls require legally required AI, identity, recording, and transcription notices.
Book, accept, cancel, or modify a service	Proposal only unless a bounded and revocable automation expressly covers the action.	Confirm parties, scope, date, location, price, cancellation terms, and information shared; execute idempotently.
Authorize a charge, refund, transfer, or payout	AI never supplies legal authority, price, or payment state.	Authenticated User or authorized operator action, server-controlled amount and currency, risk controls, reason, audit record, and processor confirmation.
Identity, safety, screening, verification, moderation, or recruiting decision	Decision support only.	Qualified human review of evidence and uncertainty; notice, correction, appeal, or intervention where required.
Voice-based request	Speech is an input method, not proof of identity.	Ordinary account authentication, the same confirmations as typed input, and optional voice matching that cannot authorize a consequential action.

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Kamu, a Razif company
KAMU ADMINISTRATION LTD.
1322 Avenue G N, Saskatoon, Saskatchewan S7L 2A7, Canada
https://kamu.ca/terms/