Terms of use

Last updated: October 26, 2026

These terms are an agreement between you and KNT Limited ("Sekani", "we", "us") and apply when you use the Sekani app and website. By creating an account you agree to them.

1. Who can use Sekani

You must be at least 18, able to enter into a binding agreement, and use Sekani for yourself, not on behalf of someone else. You must give us true and complete information and keep it up to date.

2. Your account

Keep your password, PIN and phone secure. You are responsible for activity on your account until you tell us it may have been used by someone else. We may ask you to verify your identity, and we may limit, suspend or close an account if we cannot verify you, suspect fraud or are required to by law.

3. Sending money

• Quotes. Before you confirm a transfer, the app shows the amount you send, the fee, the exchange rate and the amount your recipient gets. That is what you agree to when you confirm.
• Recipient details. You are responsible for entering the right recipient details. Money sent to the wrong account because of a mistake in the details you entered may not be recoverable.
• Timing. Arrival times shown in the app are estimates. Transfers can be delayed by compliance checks, our partners or events outside our control.
• Limits and checks. Transfers are subject to limits and may be reviewed, delayed or refused where the law requires or where we suspect fraud.
• Availability. Some features, such as sending within Sierra Leone and from Sierra Leone to the United States, are not yet available.

4. Cancellations and refunds

You can cancel a transfer within 30 minutes of sending if it has not been paid out. Cancelled transfers are refunded in full to the payment method you used. If a transfer cannot be completed, we refund it. If the law where you live gives you further cancellation or refund rights, those rights apply too.

5. Your Sekani wallet

Money in your Sekani wallet can be used to pay for transfers. Your wallet balance is not a bank deposit and does not earn interest. You can ask us to return it at any time by emailing support@sekani.app.

6. Things you must not do

Do not use Sekani for anything illegal, including fraud, money laundering, funding terrorism, avoiding sanctions or paying for illegal goods; do not use someone else's identity or payment method; and do not try to interfere with or reverse-engineer the service.

7. Our responsibility

We will provide Sekani with reasonable care and skill. To the extent the law allows, we are not responsible for losses caused by events outside our reasonable control, by incorrect information you give us, or for indirect losses. Nothing in these terms limits rights you have under law that cannot be excluded.

8. Changes and ending these terms

We may update these terms and will tell you about important changes in advance. You can close your account at any time; see Delete your account.

9. Complaints and governing law

If something goes wrong, email support@sekani.app and we will try to put it right. If you're not satisfied with our answer, you may be able to complain to the financial regulator where you live, such as the Bank of Sierra Leone or your US state's financial regulator. These terms are governed by the laws of the Republic of Sierra Leone, except where the law where you live gives you rights that can't be excluded.

10. Contact

KNT Limited, No. 1 Berry Street, Freetown, Sierra Leone 00232, support@sekani.app.