Kyn Terms of Service

Version 2026-09-27-v1.0. Effective date: September 27, 2026. Last updated: October 7, 2026.

Looking for the website and waitlist terms of use? It is at kynrewards.com/terms/website.

These Terms of Service ("Terms") are an agreement between you and Kyn Technology Inc., a Delaware corporation ("Kyn", "we", "us"). They govern your use of the Kyn mobile app for iOS and Android and the services that run it (together, the "Service"). By creating an account or using the Service, you agree to these Terms and confirm that you have read our Privacy Policy. If you do not agree, do not use the Service.

1. Eligibility and accounts

• You must be at least 18 years old, live in the United States and be able to enter into a binding contract. When you create an account you confirm that you are 18 or older.
• You may have only one Kyn account. Your account is personal to you and cannot be transferred.
• An account is either a supporter account or a creator account, not both. Switching roles is done in Settings: switching from supporter to creator permanently removes your XP, level and support history from your account (the app asks you to confirm first), and switching from creator to supporter requires closing your creator activity first (see Section 12).
• Keep your sign-in methods secure and your information accurate. You are responsible for activity on your account. Tell us at support@kynrewards.com if you think someone else has accessed it.
• If you sign in with a text message code, message and data rates may apply.
• You agree that we may give you notices and other communications electronically, in the app or by email. You can withdraw this consent by closing your account.

2. What Kyn is

Kyn lets supporters help a creator reach a goal through rewards on eligible purchases they already make. A supporter chooses one creator and then earns in one of two ways: automatically, by connecting an eligible US bank account and registering a credit or debit card, or by sending photos of receipts for review (see Section 3). When the supporter makes an eligible purchase at a participating shop, a reward is added to the creator's current goal as points. Supporters never pay the creator out of their own pocket, and Kyn does not charge supporters or creators to use the Service.

During the current program, the participating shops are the ones listed in the app, and rewards are funded by Kyn. Participating shops, contribution rates and program rules can change over time (see Section 6).

Kyn is not a bank. Kyn does not hold money for supporters, does not offer supporters a balance, account or cash-out of any kind, and never moves money in or out of your bank or card accounts. Kyn makes no promise that you or any creator will earn any particular amount.

3. Supporters

Choosing a creator

You support one creator at a time. You can change creators through the app; the app asks you to confirm before you switch. Rewards for purchases made before a switch still go to the creator you supported when you made those purchases. Your XP and level stay with you when you switch.

How you earn: automatic mode or receipts

Where the app offers both, you choose at sign-up how you earn. In automatic mode you connect an eligible US bank account and register a credit or debit card, and eligible purchases are found for you. In receipts mode you send a photo of the receipt for each purchase you want to count; no bank or card connection is required. Connecting a Canadian bank and registering a card does not activate automatic earning: those connections currently earn through eligible receipts only. Registering an active card on an account eligible for automatic earning switches you permanently to automatic mode. Receipts mode may not be available to everyone or at all times. A purchase can be rewarded only once; purchases made on or after your switch to automatic mode are not accepted as receipts.

Automatic mode: connecting your bank and card

• Bank connections are provided by Plaid Inc. By connecting an account you also agree to Plaid's terms and End User Privacy Policy. Kyn receives information about the accounts and transactions you connect, as described in our Privacy Policy.
• Cards are registered through the secure card form of our card security provider. Kyn never asks for your card's security code and does not store your full card number or expiration date.
• Automatic earning supports eligible US credit card accounts and identifiable debit-card purchases from eligible US checking accounts. Transfers, cash withdrawals and purchases that cannot be identified as eligible card purchases do not count. Canadian bank connections and card registration are available, with earning through eligible receipts only.
• For every card and account you connect, you confirm that you are an authorized user, that you have authority to connect it and to allow the processing described in our Privacy Policy, and that the information you give us is true. We may refuse or remove a card or account, for example if it does not match your connected account, if it is already registered by another supporter, or if we suspect fraud.

Which purchases count in automatic mode

In automatic mode, a purchase counts only if all of the following are true: it was an eligible credit-card purchase or identifiable debit-card purchase on an eligible US account that you connected, after you registered a card for that account; we can match it to a participating shop from the transaction information your bank provides; it is a completed purchase in US dollars; and it was made while you actively supported a creator. The app shows each participating shop's contribution rate, which is the share of an eligible purchase that goes to the creator's goal. If more than one card is registered on the same account, some purchases may not count. Seeing a shop in the app does not guarantee that a particular purchase will qualify. Matching depends on the information your bank reports and may sometimes fail. We decide in good faith whether a purchase qualifies.

Receipts mode

• What can be sent. You can send a receipt for a completed purchase at a participating shop, made by you, while you actively support a creator. You send it from the shop's page in the app, as a photo taken with the camera or chosen with the photo picker. The purchase must have been made within the 72 hours before you send the receipt, and a receipt for an older purchase is not accepted.
• Review. Kyn staff review each receipt. They check the photo, confirm the shop, and read the purchase amount and the time of the purchase from it. They then approve or refuse it. We may refuse a receipt, for example because the photo cannot be read, it is not a receipt from that shop, the purchase is outside the 72-hour window, the receipt was already sent, or we suspect it is not genuine. Sending a receipt does not guarantee that it will be approved or that any points will be added. We review receipts as quickly as possible and do not promise any review time.
• Reduced points. Receipts earn at a reduced contribution rate compared with automatic mode; the app shows the rate that applies to receipts. An approved receipt always adds at least 1 point. When we approve a receipt, the reward is added to the current goal of the creator you supported when you sent it.
• Limits. A receipt can be for at most $5,000, and you can send at most 20 receipts in any 24 hours. Kyn may change these limits.
• Duplicates and fraud. Send each receipt once, for your own purchase. We compare receipts, including the same photo sent more than once and receipts sent close together, and may refuse a receipt we consider a duplicate. We may also refuse a receipt, or reverse a receipt we already approved, if we find that it was a duplicate, altered, not yours, or otherwise not genuine, or that it was approved in error. A reversal is handled as described in Section 4, and Section 8 applies.
• Your photo. How we use and keep receipt photos is described in our Privacy Policy.

When a reward is confirmed

In automatic mode, a reward is added to a goal only once it is confirmed, after a waiting period that allows for returns and corrections. In receipts mode, a reward is added when we approve the receipt. Before that, the app may show an estimate as pending. A pending estimate is for information only: it is not points, gives no right to anything, and may go down or disappear. We do not promise any processing time.

XP and levels

Supporters earn experience points (XP) and levels based on confirmed contributions. XP and levels are for recognition only. They have no cash value, cannot be exchanged, and do not unlock anything in the current version of the Service.

4. Points, missions and badges

• Points record contributions to a creator's goal. Each goal has its own points counter, which starts at zero when the goal is created and increases when rewards for that goal are confirmed.
• Points are not money. They have no cash value, are not a deposit or stored value, are not the property of any supporter or creator, cannot be sold, transferred or exchanged for cash by any user, and are used only as described in Section 5. Supporters do not hold points, and points are never stored value for supporters.
• Points never expire because of the passage of time.
• Each creator also has a personal points reserve, separate from their goals. The reserve receives points left over after a payout or redemption (Section 5) and other points that cannot go to a goal. In the current version of the Service the reserve cannot be spent, transferred or redeemed, and Kyn does not promise that it ever will be.
• If a purchase is returned, refunded or reversed, or a reward was credited by mistake or through fraud or abuse (including an approved receipt that turns out to be a duplicate or not genuine), Kyn may reverse the reward. Reversals are taken from the creator's reserve, never below zero, and not from a goal's progress. A goal that has already been redeemed is never reopened.
• Kyn may correct errors in points, XP or levels.

Missions and badges

• Creators can complete missions, such as sharing their page, welcoming supporters and reaching a share of their goal, and earn a badge for each one. A supporter who is among the first 20 supporters a creator ever has receives a Founding supporter badge for that creator. Some badges are shown to other people, as described in our Privacy Policy.
• Missions and badges are recognition only. They have no cash value, cannot be sold, transferred or exchanged, and do not give points, XP, rewards, payouts or any other benefit.
• Kyn may hide or revoke a badge if we find that it was earned through abuse, for example fake or duplicate accounts, purchases made only to earn it, or a breach of these Terms. A revoked badge does not come back.
• Kyn may change the missions and badges, or stop offering them, at any time. Badges already earned may be removed if that happens.

5. Creators

Goals

• A goal is a savings target that you set: a title, a description and an amount in US dollars. The target in points is calculated at a fixed rate of 100 points per US dollar. Your goal shows supporters what their contributions are working towards.
• You always have exactly one active goal. Goals do not expire. Points keep accruing on a goal after it reaches its target.
• Stopping or replacing a goal before it reaches its target is not currently available. If we make it available, we will update these Terms before it applies to you.

Payouts during the pilot

• During the current pilot program, Kyn pays creators periodically, generally once a month, through a third-party payout partner that Kyn operates manually. Kyn sets the amount of each payout under the program rules in effect at the time, based on the points confirmed on your goals. The app may also let you request a catalog reward when a goal reaches its target (see below); other payout options may be offered later, and these Terms will be updated first.
• Before each payout, Kyn tells you its amount. The points a payout is based on count as paid and are not paid again, including through a catalog request.
• Every payout is reviewed by Kyn before it is sent, including fraud and abuse checks. Kyn may hold or withhold a payout that is connected to a violation of these Terms, to suspected fraud or abuse, or to a reward that is reversed.
• Payouts may be paused, for example while we complete payout setup, while funds for the payout are not yet available, or for legal, security or fraud reasons. Your points stay on your goal while payouts are paused.
• The payout partner contacts you at the verified email address on your account, so you need one to receive payouts. You may need to create an account with the partner, verify your identity, provide tax information and choose how you get paid, under the partner's own terms and privacy policy. Kyn does not collect your identity documents, tax forms or payout account details.
• We send reviewed payouts as quickly as possible. Apart from the general monthly rhythm above, we do not promise any processing or delivery time.
• If the app lets you request a reward from a catalog for a goal that has reached its target, that request is a request to redeem the goal's points for a catalog reward, not a withdrawal of money held for you. It is reviewed manually by Kyn, is paid through the payout partner after review, on its own or together with a periodic payout, and may be held or paused on the same grounds. Setting your next goal is part of that request, so that supporters' contributions always have a goal to go to. The reward's price in points is taken from the goal only when the payout is confirmed, and any points left on the goal after that go to your reserve (Section 4).
• If a payout fails or is returned, we will work with you and the payout partner to resolve it.

Taxes

Contributions are not donations or purchases and are not tax-deductible for supporters. You are responsible for any taxes on what you receive through Kyn. Kyn does not give tax advice. The payout partner may collect tax information from you, and Kyn or the partner may ask you for other information needed to meet legal obligations.

Your responsibilities

You will not encourage supporters to make purchases they would not otherwise make, to buy and return items, or to break these Terms. You will not ask supporters for money, payment details or bank or card information. You will describe your goals honestly.

6. Changes to the rewards program

Kyn may change or end the rewards program, including participating shops, contribution rates, the catalog, reward prices, the payout schedule and program rules. Changes apply going forward only and never reduce points already confirmed on a goal. If Kyn ends the program, it will tell creators in the app how points already confirmed on their goals are handled before the end takes effect. We will give reasonable notice in the app before a change that materially affects you, unless a change is needed right away for legal, security or fraud reasons.

7. Content and community rules

These rules apply to everything creators publish (display names, handles, bios and taglines, portraits, intro videos, goal titles and descriptions) and to supporter display names and report notes ("Content").

Content that is not allowed

• Sexual content or nudity, including sexually suggestive content.
• Anything that sexualizes, exploits or endangers minors.
• Hate speech or content that attacks people based on race, ethnicity, national origin, religion, disability, sex, gender identity, sexual orientation, age or similar characteristics.
• Harassment, bullying, threats, or content that encourages violence or self-harm.
• Graphic violence or gore.
• Promotion of illegal activity, or of illegal or regulated goods such as drugs, weapons or gambling.
• Impersonating another person, brand or organization, or misleading others about who you are.
• Content that infringes someone else's copyright, trademark, privacy or publicity rights, including images or videos of other people without their permission.
• Other people's private information, such as addresses, phone numbers or financial details.
• Spam, scams, or false or misleading claims, including claims that supporters will earn money or that contributions are investments.
• Requests for payment outside the Service, or for anyone's bank, card or login details.

Your content

You keep ownership of your Content. You give Kyn a non-exclusive, royalty-free, worldwide license to host, store, reproduce, display, adapt (for example to resize or compress) and distribute your Content in order to operate and provide the Service, including showing it in creator pages, discovery and featured sections of the app. This license ends when your Content is removed from the Service, except for copies kept in backups or as required by law. You confirm that you have all the rights and permissions needed for your Content, including the consent of anyone who appears in it.

How we moderate

• Kyn has zero tolerance for objectionable content and abusive users.
• Kyn automatically refuses text that contains terms on its list of prohibited words.
• Kyn may review any Content and may remove it, limit who can see it, or refuse to publish it, with or without notice, if we believe it breaks these Terms or the law or puts people at risk.
• Kyn may warn, suspend or permanently ban an account that breaks these rules, and may withhold a payout connected to a violation.

Reporting and blocking

• Supporters can report a creator from the creator's page. We review reports promptly and act on objectionable content and abusive users, for example by removing content or suspending or banning the account. We never tell a creator who reported them. We do not promise a particular outcome, but we may let you know when we have reviewed your report.
• Supporters can block a creator. A blocked creator no longer appears in your app and is not told. If you block the creator you currently support, your support for that creator ends; rewards for purchases you already made still go to that creator.
• To report a supporter's display name or behavior, or anything else, contact support@kynrewards.com.

Copyright complaints

If you believe Content on Kyn infringes your copyright, send a notice to support@kynrewards.com with your contact details, a description of the work, where the Content appears in the app, a statement that you believe in good faith that the use is not authorized, a statement under penalty of perjury that your notice is accurate and that you are the owner or authorized to act for the owner, and your physical or electronic signature. We may remove the Content and, in appropriate cases, close the accounts of repeat infringers. If your Content was removed after such a notice and you believe it was removed by mistake, you may send a counter-notice to the same address with your contact details, the removed Content and where it appeared, a statement under penalty of perjury that you believe in good faith it was removed by mistake, your consent to the jurisdiction of the federal courts for your address, and your physical or electronic signature. We may then restore the Content unless the complainant tells us that it has started a court action.

8. Prohibited conduct

You will not:

• register a card that is not yours or that you are not authorized to use, or register the same card under more than one account;
• send a receipt that is not yours, that has been edited or altered, or that is for a purchase you did not make, send the same receipt more than once or under more than one account, or send receipts to get around the limits in Section 3;
• create accounts, make purchases or take other actions in order to earn badges or missions;
• create more than one account, or create accounts in a deceptive way;
• misrepresent your identity, age, location or your authority over a card or account;
• make purchases in order to return them, or otherwise abuse returns or refunds;
• use scripts, bots or automated means to make purchases or use the Service;
• interfere with, disrupt, reverse engineer or try to gain unauthorized access to the Service or other users' accounts; or
• use the Service for anything illegal or to harm others.

If you break these rules, Kyn may reverse the related rewards, suspend or close your account, exclude you from the rewards program and stop crediting contributions from your activity. Contributions already confirmed to a creator's goal stay with that creator unless they came from fraud or abuse, in which case they may be reversed as described in Section 4.

9. Third-party services

The Service relies on third parties, including Plaid for bank connections, our card security provider for card registration, our payout partner for creator payouts, and Apple and Google for app distribution, sign-in and notifications. Their services are governed by their own terms. Kyn is not responsible for third-party services, for merchants' products, prices, returns or customer service, or for outages we do not control. An interruption of the Service does not remove points already credited to a goal.

10. Kyn's rights in the Service

The Service, including its software, design and trademarks, belongs to Kyn and its licensors. Kyn gives you a personal, limited, non-exclusive, non-transferable, revocable license to use the app on devices you own or control, for your personal use, in line with these Terms. You may not copy, modify, sell or distribute the Service, or use Kyn's name or logo without permission. If you send us feedback, we may use it without any obligation to you.

11. App stores

If you downloaded the app from the Apple App Store or Google Play, the following applies in addition to the rest of these Terms:

• These Terms are between you and Kyn only, not Apple or Google. Kyn, not the app store, is solely responsible for the app and its content.
• Your license to use the app is limited to use on Apple-branded or Android devices that you own or control, as permitted by the usage rules of the app store you downloaded it from (for Apple, the Usage Rules in the Apple Media Services Terms and Conditions).
• The app store has no obligation to provide maintenance or support for the app.
• If the app fails to conform to any applicable warranty, you may notify the app store, and it may refund the purchase price of the app (the app is free). To the maximum extent permitted by law, the app store has no other warranty obligation for the app. Any other claims, losses, liabilities, damages, costs or expenses caused by a failure to conform to a warranty are Kyn's responsibility, to the extent these Terms do not exclude them.
• Kyn, not the app store, is responsible for addressing any claims by you or a third party relating to the app or your use of it, including product liability claims, claims that the app fails to meet a legal or regulatory requirement, claims under consumer protection, privacy or similar laws, and claims that the app or your use of it infringes someone else's intellectual property rights, including investigating, defending, settling and discharging those claims.
• You confirm that you are not located in a country that is subject to a U.S. Government embargo or designated as a "terrorist supporting" country, and that you are not listed on any U.S. Government list of prohibited or restricted parties.
• You must comply with applicable third-party terms when using the app, such as your wireless data service agreement.
• Questions, complaints or claims about the app go to Kyn, using the contact details in Section 19.
• Apple and its subsidiaries are third-party beneficiaries of these Terms. When you accept these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce them against you as a third-party beneficiary.

12. Suspension, termination and account closure

• You can close your account at any time as described in our Privacy Policy.
• We may suspend or close your account, or limit parts of the Service, if you break these Terms, if we suspect fraud or abuse, if we are required to by law, or if we stop offering the Service.
• Supporters hold no balance, so nothing is owed to a supporter when a supporter account closes.
• Creators close their account through Kyn's account closure process, started from the app or through support. Before closure, we will tell you what happens to any points on your goals or reserve and to any payout already in progress. During closure, your goals and reserve are frozen.
• Sections 4, 5 (Taxes), 7 (Your content, for copies we are allowed to keep), 9, 10, 11, 13, 14, 15, 17 and 18 continue to apply after your account closes.

13. Disclaimers

The Service is provided "as is" and "as available". To the fullest extent permitted by law, Kyn disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, title and non-infringement. Kyn does not guarantee that the Service will be uninterrupted, error-free or secure, that any purchase will qualify, or that any goal will be reached. Some states do not allow these exclusions, so some of them may not apply to you.

14. Limitation of liability

To the fullest extent permitted by law, Kyn and its officers, directors, employees and agents will not be liable for any indirect, incidental, special, consequential, exemplary or punitive damages, or for any loss of profits, revenue, data or goodwill, arising from or relating to the Service or these Terms. Kyn's total liability for all claims arising from or relating to the Service or these Terms will not exceed one hundred US dollars (US$100). These limits do not apply to Kyn's obligation to send a creator payout it has confirmed to you, to liability for fraud, gross negligence or willful misconduct, or where the law does not allow them.

15. Indemnity

To the extent permitted by law, you will defend and hold harmless Kyn from claims, losses and costs (including reasonable attorneys' fees) brought by third parties that arise from your Content or from your breach of these Terms or of the law.

16. Changes to these Terms

We may update these Terms. If a change is material, we will tell you in the app at least 15 days before it takes effect, unless a shorter period is needed for legal, security or fraud reasons. The version and "Last updated" date at the top show the current version. If you keep using the Service after a change takes effect, the updated Terms apply. If you do not agree, you can close your account.

17. Governing law and disputes

These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-law rules, and subject to any consumer protection law of your state of residence that cannot be waived. Before starting a legal claim, please contact us at support@kynrewards.com so we can try to resolve the issue informally. Any dispute that is not resolved informally will be brought in the state or federal courts located in Delaware, unless the law of your state gives you the right to bring it where you live. Nothing in these Terms limits your right to bring a claim in small claims court where it qualifies.

18. General

These Terms and the Privacy Policy are the entire agreement between you and Kyn about the Service. If any part of these Terms cannot be enforced, the rest remains in effect. If we do not enforce a right, we have not waived it. You may not transfer your rights under these Terms; Kyn may transfer its rights in connection with a merger, acquisition or sale of assets. Kyn is not liable for delays or failures caused by events outside its reasonable control.

19. Contact

Email: support@kynrewards.com

Mail: Kyn Technology Inc., 2803 Philadelphia Pike, Suite B #1844, Claymont, DE 19703, United States