Terms of Service

1. ACCEPTANCE OF TERMS

By accessing the Kasb system, initiating a chat with our AI Freedom Companion on WhatsApp, or purchasing the "Freedom Challenge," you agree to be bound by these Terms of Service. If you do not agree, do not use our services.

2. SERVICE DESCRIPTION

Kasb is a digital transformation system delivered primarily via WhatsApp. The service includes:

• Phase 1 — Pathfinder: An AI-driven assessment of your skills, personality, and financial context.
• Phase 2 — Skillforge: A curated learning curriculum aggregated from third-party sources.
• Phase 3 — Launchpad: An action dashboard with income-generating tasks.
• Phase 4 — Mentor: 24/7 Access to an AI-powered mentor.

Disclaimer: Kasb is not an accredited educational institution, a job placement agency, or a financial advisor. We provide a roadmap and tools; results depend entirely on your execution.

3. PAYMENTS & FEES

• The Freedom Challenge ($69 - $99): Access to the full program is a one-time payment. Prices may vary based on promotional windows (e.g., the "Freedom30" discount).
• Subscriptions: Optional ongoing access to the Freedom Companion after the program period may be charged at $10/month. If this applies, users will be explicitly notified beforehand and given the choice to subscribe or not — no subscription will be charged without your consent.

4. THE INCOME-ACHIEVEMENT GUARANTEE

Kasb offers a conditional "Income-Achievement Guarantee" as an optional add-on or inclusion depending on your tier.

Conditions: To qualify, you must:

1. Complete 100% of the assigned learning modules.
2. Execute all "Action Phase" tasks (outreach, portfolio creation) verified by the system.
3. Engage with the AI companion weekly.

Limitations: This is not a cash refund guarantee. The remedy is extended service, not a return of funds.

5. REFUND POLICY

We offer a 100% money-back guarantee if you purchase and do not complete the Assessment (Pathfinder), or within a window of 3 days (72 hours) after the Assessment is completed. Once the Assessment is complete and 72 hours have passed, the sale is considered final.

However, users may contact our support team at hello@kasb.life for any assistance, and a case-by-case evaluation shall take place before any refund is issued. We do not offer "change of mind" refunds.

6. USE OF ARTIFICIAL INTELLIGENCE

You acknowledge that "Kasb" (the Freedom Companion) is an Artificial Intelligence, not a human.

• Accuracy: While we strive for accuracy, AI may occasionally generate incorrect or "hallucinated" information. You should verify critical financial or legal advice independently.
• Interaction: You agree not to send abusive, illegal, or harmful content to the AI. We reserve the right to terminate access for misuse.

7. THIRD-PARTY PLATFORMS

• WhatsApp: Our service runs on WhatsApp. We are not affiliated with Meta Platforms, Inc. Your use of WhatsApp is subject to their own Terms of Service. If WhatsApp bans your number, Kasb is not liable, though we will attempt to help you migrate your account.
• Curated Content: Kasb curates content from third-party platforms (e.g., YouTube). We do not own this content and are not responsible for its removal or changes by the original creators. If a video has been taken down by its creator or is unavailable in your region, you will have the ability to regenerate the content to replace it with an accurate, available alternative.

8. EARNINGS DISCLAIMER

Every reference to "Freedom," "Income," or "$1.3 Trillion Opportunity" is strictly for illustrative purposes regarding market potential. Kasb does not guarantee that you will earn any specific amount of money. Your results will vary based on your background, work ethic, and market demand.

9. GOVERNING LAW & COMPANY INFORMATION

These Terms of Service are governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region. Any disputes arising from or relating to these Terms or your use of the Kasb service shall be subject to the exclusive jurisdiction of the courts of Hong Kong.

Kasb is a brand operated by:
ZACREATION LTD
RM4, 16/F, HO KING COMM CTR 2-16 FAYUEN ST, MONGKOK, Hong Kong