Terms of Service

These Terms of Service ("Terms") govern your use of the KymaFlow mobile application and web platform ("Service") operated by KymaFlow ("we", "our", or "us"). By accessing or using the Service, you agree to be bound by these Terms.

1. Acceptance of Terms

By creating an account or using KymaFlow, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you must not use the Service.

2. Description of Service

KymaFlow is a logistics marketplace platform that connects shippers/senders (individuals or businesses needing items transported) with haulers/transporters (verified individuals who are authorised to move goods). The Service facilitates:

• Job posting and bidding for delivery services.
• Secure escrow-based payment processing.
• Real-time delivery tracking.
• Identity and transporter verification.
• In-app communication between parties.

Throughout these Terms, the Shipment Services Agreement, and the Service itself, the terms "driver", "hauler" and "transporter" are used interchangeably and refer to the same party, as are "shipper" and "sender". No difference in meaning is intended by the use of one term over another.

3. Eligibility

To use KymaFlow, you must:

• Be at least 18 years of age.
• Be legally able to enter into binding contracts.
• Reside in or operate within New Zealand (or other regions where KymaFlow operates).
• Haulers must hold a valid driver's licence and pass our verification process.

4. Account Registration

• You must provide accurate and complete information when creating an account.
• You are responsible for maintaining the security of your account credentials.
• You must notify us immediately of any unauthorised use of your account.
• One person may not maintain more than one account.

5. User Roles

5.1 Shippers

• May post delivery jobs with accurate descriptions, pickup and delivery addresses, and pricing.
• Must provide valid payment methods for job payments.
• Must verify their identity using a government-issued ID.
• Are responsible for ensuring items are legal to transport and properly packaged.

5.2 Haulers

• Must complete identity verification by providing a valid driver's licence (front and back).
• Must not bid on or accept jobs they cannot fulfil.
• Must have appropriate insurance for the goods they transport (recommended).
• Must comply with all applicable traffic and transportation laws.

6. Verification

• All users must complete identity verification before using core platform features.
• Haulers must submit their driver's licence for verification before bidding on jobs.
• Shippers must submit a valid government-issued photo ID.
• We reserve the right to reject, revoke, or request additional verification at any time.
• Providing false or fraudulent documents will result in immediate account termination.

7. Payments and Fees

7.1 Payment Processing

All payments are processed through Stripe, a PCI DSS-compliant payment processor. When a shipper accepts a bid, the payment amount is secured and held by the platform. Upon confirmed delivery completion, the net earnings (less applicable platform fees and commissions) will be credited to the hauler's digital platform wallet, subject to the payout holding parameters detailed in Section 7.4. Shippers may cancel jobs before pickup; cancellation policies apply.

7.2 Commission Structure

KymaFlow charges a commission on completed deliveries based on the hauler's subscription tier:

• Kyma-Lite (Free): 13.8% commission per transaction.
• Kyma-Pro ($29.99/month): 8.05% commission per transaction.

A Trust & Safety fee of $1.50 NZD is applied to each transaction.

Bids, counter-offers, offers and route quotes are subject to a platform minimum price, currently NZ$15.00 per job. The minimum is shown in the app and web portal wherever a price is entered, and KymaFlow may adjust it from time to time in accordance with Section 7.5.

7.3 Refunds

• Refund requests are handled on a case-by-case basis.
• Refunds may be issued if a delivery is not completed, items are damaged due to hauler negligence, or other qualifying circumstances.
• Disputes can be raised through the platform's dispute resolution system.

7.4 Wallet Payouts & Dispute Buffer Window

To ensure platform safety, mitigate transactional fraud, and allow a reasonable buffer window for shippers to inspect cargo and report delivery irregularities, all funds credited to a hauler's digital wallet are subject to a mandatory five (5) day holding period.

Haulers may only initiate a withdrawal or payout request to their linked bank account on cleared balances that have successfully passed this 5-day window. This holding period is calculated continuously from the exact timestamp the delivery completion is recorded on the Service. In the event a formal dispute is raised via the platform's dispute resolution system during this 5-day window, the affected funds will be frozen and placed under review until the dispute is resolved.

A payout processing fee of 2.5% applies to each withdrawal, with a minimum withdrawal of NZ$10.00 and a maximum of NZ$100,000.00 per request.

At checkout, shippers choose between Immediate Settlement (Visa/Mastercard/Debit), charged at the agreed job price with no added fee, and Flexible Invoice Settlement (Afterpay / Pay in 4), which includes a 6% Admin & Financing Fee added to the agreed job price and shown before payment is confirmed.

7.5 Platform Fees, Financing Costs and Fee Changes

KymaFlow charges a 13.8% platform fee on completed deliveries (the standard Kyma-Lite rate; subscription tiers may reduce this as set out in Section 7.2). Where a shipper selects Flexible Invoice Settlement at checkout, the transaction may incur up to a 6% Flexible Payment Administration Fee, shown before payment is confirmed. These fees cover verification, processing overhead, and clearing house costs. KymaFlow may modify its fees from time to time based on provider costs; material changes will be notified in accordance with these Terms.

7.6 Driver Payout Accounts

To receive payouts, haulers provide their legal name (or registered business name and NZBN), address, date of birth where applicable, and a New Zealand bank account inside the KymaFlow app or web portal. KymaFlow collects and verifies this information on behalf of its payment processor; haulers are not required to create or manage an account with the processor and are not given access to any processor-hosted dashboard. Bank account numbers are transmitted directly to the processor and are not stored by KymaFlow.

Payment processing services for haulers on KymaFlow are provided by Stripe and are subject to the Stripe Connected Account Agreement, which includes the Stripe Terms of Service (collectively, the "Stripe Services Agreement"). By agreeing to these Terms or continuing to operate as a hauler on KymaFlow, you agree to be bound by the Stripe Services Agreement, as the same may be modified by Stripe from time to time. As a condition of KymaFlow enabling payment processing services through Stripe, you agree to provide KymaFlow accurate and complete information about you and your business, and you authorise KymaFlow to share it and transaction information related to your use of the payment processing services provided by Stripe.

Verification requirements are set by the processor and applicable law and may change over time. Where additional information is required to keep payouts active (for example an identity document), KymaFlow will notify you in-app and payouts may be paused until it is provided. Bank statements will show payouts from KymaFlow.

8. Prohibited Conduct

You agree not to:

• Use the Service for any illegal or unauthorised purpose.
• Transport illegal, prohibited, or hazardous materials without proper licensing.
• Provide false information in your profile, verification, or job listings.
• Harass, threaten, or abuse other users.
• Attempt to bypass platform payment systems or fees.
• Create multiple accounts or impersonate another person.
• Interfere with or disrupt the Service or its infrastructure.
• Scrape, data-mine, or reverse-engineer any part of the Service.

9. Intellectual Property

• All content, features, and functionality of KymaFlow are owned by us and are protected by copyright, trademark, and other intellectual property laws.
• You retain ownership of content you submit (job listings, verification documents, messages).
• By submitting content, you grant us a non-exclusive licence to use, display, and process it as necessary to operate the Service.

10. Limitation of Liability

• KymaFlow acts as a marketplace platform and is not a party to the delivery contract between shippers and haulers.
• We are not responsible for the quality, safety, or legality of items transported.
• We are not liable for any damages arising from the use of the Service beyond the amount of fees paid to us in the preceding 12 months.
• We are not responsible for delays, damages, or losses during transit.

11. Indemnification

You agree to indemnify and hold harmless KymaFlow, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of the Service, your violation of these Terms, or your violation of any third-party rights.

12. Dispute Resolution

• Users are encouraged to resolve disputes through the in-app dispute resolution system.
• If disputes cannot be resolved through the platform, they shall be resolved through mediation or arbitration in accordance with New Zealand law.
• These Terms are governed by and construed in accordance with the laws of New Zealand.

13. Termination

• You may terminate your account at any time by contacting support.
• We may suspend or terminate your account for violation of these Terms, fraudulent activity, or at our discretion with reasonable notice.
• Upon termination, pending transactions will be completed or refunded as appropriate.

14. Modifications to Terms

We reserve the right to modify these Terms at any time. We will notify users of material changes via email or in-app notification. Continued use of the Service after changes constitutes acceptance of the updated Terms.

15. Contact Us

For questions about these Terms, contact us at:

• Email: support@kymaflow.com
• Website: https://kymaflow.com