Terms of Service

Last updated: November 11, 2026

These terms apply when you use the Kameti app, made by Brixel Labs Inc. (“we”). By using the app you agree to them. If you do not agree, please do not use it.

What Kameti is

Kameti is a record-keeping tool for rotating savings groups. It helps an owner record who has paid, what is owed and who receives each month, and lets members see their own records. Kameti does not hold, move or guarantee money, and it is not a bank, lender or payment service. Every payment happens outside the app, between the people in the group.

Your group’s agreement

The arrangement between the people in a kameti (amounts, order, what happens if someone pays late or stops paying) is between them. We are not a party to it and are not responsible for disputes, missed payments or losses between members.

Accuracy of records

The owner is responsible for what they record. The app calculates balances from those records; if a record is wrong, the results will be too. Mistaken payments are corrected by voiding them, and every change is kept in the activity history.

Your account

Privacy

How we handle personal information is described in the Kameti Privacy Policy.

Availability and changes

We work to keep Kameti running, but we do not promise it will always be available or free of errors. We may change or stop features, and we may update these terms; the date above shows the latest version.

Ending your use

You can stop using Kameti and delete your account at any time. We may suspend accounts that break these terms.

Disclaimer and liability

Kameti is provided “as is”. To the extent the law allows, we are not liable for indirect or consequential losses, or for losses arising from arrangements between members of a group.

Contact

Questions about these terms: kameti@fhbtechservices.com.