Working draft — August 2026
Terms of service
The marketplace
Kafil is a marketplace: companies post fixed-price work, independent builders propose, and contracts are settled through Kafil's digital wallet. Kafil holds the money; it is not a party to the work itself.
The wallet
Money you fund sits in the wallet until you approve the milestone, until 5 days pass after delivery (after which it approves automatically), or until a dispute is decided. Payment codes and unfunded contracts expire after 48 hours.
Disputes and mediation
Either party may raise a dispute on funded work. The other side has 5 days to respond, after which Kafil mediates and decides how the held amount is split. Mediation decisions account for every held cent.
Fees
Fees are shown before you commit and are frozen on each signed contract. Circumventing the platform to avoid fees after meeting here breaches these terms.
Your account
You can delete your account at any time; contracts with money still in the wallet must be settled first. Financial history is retained as required for bookkeeping even after deletion.