This is a draft. It has been written to be technically accurate and to reflect real product decisions, but it has not been reviewed by a lawyer and must not be published, relied upon, or treated as legally binding until it has. If you are reading this as a Ripple user, this document is not yet in effect.

Terms of Service

Effective date: [not yet published] Entity: Kivfer Holdings Inc., Winnipeg, Manitoba, Canada ("Ripple," "we," "us," or "our")

1. Welcome to Ripple

Ripple exists so that Christians can pray, by name and by voice, for a real stranger — one prayer, one stranger, every day. These Terms of Service ("Terms") are the agreement between you and Kivfer Holdings Inc. that governs your use of the Ripple mobile app, website, and related services (together, the "Service").

By creating an account, submitting a prayer request, or otherwise using the Service, you agree to these Terms. If you don't agree to them, please don't use the Service.

We've tried to write these Terms in plain language wherever we could. Some sections need more precise, formal language because they carry real legal weight — we've kept that language where it's genuinely required, not as a default.

2. Who Can Use Ripple

You must be at least 16 years old to create a Ripple account. By creating an account, you're confirming that you're 16 or older. We don't verify this with ID — we rely on your honest answer, the same way most apps in this space do.

If you're submitting a prayer request through our public request form without creating an account, there's no minimum age to ask for prayer — but you still must agree to these Terms to submit a request (see Section 4).

You also need the legal capacity to enter into a binding agreement where you live. If you're using Ripple on behalf of an organization (for example, a church), you're confirming that you have the authority to agree to these Terms for that organization.

3. What Ripple Is — and What It Isn't

Ripple connects two roles:

• A Praying Member is someone who has an account, has (optionally) started a paid membership, and receives daily prayer requests to pray for.
• A Prayer Recipient is someone whose request is being prayed for — this might be a Praying Member praying for themselves, or it might be someone with no Ripple account at all, who submitted a request through our public website.

Ripple is a facilitator, not a guarantor. We built the systems that write, screen, route, and deliver prayer requests and recorded prayers — but the actual words in a prayer request, and the actual words spoken in a recorded prayer, come from real people, not from us. We do not write, edit, or approve the substance of what a Praying Member says in their prayer, or what a Prayer Recipient says in their request, beyond the moderation described in Section 5.

This means we cannot and do not guarantee that any prayer request or recorded prayer will be free of language, opinions, or subject matter that you might find upsetting, inappropriate, or harmful. We take real, active steps to reduce that risk (Section 5), and we take every report seriously (Section 6) — but no automated or human review process can catch everything before it reaches you, and we don't promise that it will.

If this isn't a risk you're willing to accept, Ripple may not be the right fit for you, and we understand that.

4. Submitting a Prayer Request

Anyone can submit a prayer request, whether or not they have a Ripple account. When you submit a request — through the app or through our public website — you agree to these Terms, and specifically:

• Your request will be reviewed by an automated screening process (Section 5) before it's ever shown to anyone.
• If it passes that review, it may be shown to one or more Praying Members, who will record a spoken prayer in response.
• You will not be told whether your request passed or failed review, or shown any detail about that process. You will only know that you submitted a request. This is deliberate — see Section 5.
• You're submitting your own request, in your own words, and you have the right to share it.

5. Content Moderation — What We Do, and What We Don't Promise

Every prayer request and every recorded prayer passes through an AI-assisted validation step before it's added to the queue that matches it to a person, and before it's ever delivered to a recipient. This step exists to catch content that's obviously fake, abusive, hateful, sexually explicit, or otherwise clearly outside what Ripple is for.

What this moderation step is not: it is not a human editor reading every word for tone or theological correctness, and it is not a guarantee that every difficult, sensitive, or uncomfortable topic will be filtered out. People bring real struggles to prayer — grief, addiction, relationship pain, doubt — and reasonable people can disagree about where "sensitive but appropriate" ends and "inappropriate" begins. Our moderation is built to catch harmful content, not to sanitize the honest weight of human need.

If you submitted a prayer request, you will never see its moderation status, transcript review outcome, or delivery status — automatically or otherwise. This is a deliberate design choice, not an oversight: it protects the privacy of the process for everyone involved. If we ever decide a specific request needs to be communicated about directly, that's a manual decision made by our admin team, not an automatic notification.

6. Reporting Inappropriate Content

If you receive a prayer, or see a prayer request, that you believe is inappropriate, we want to know. Both the app and our public prayer-listening pages include a "Flag as inappropriate" option wherever content is shown to you.

Here's what actually happens when you flag something: your report is added to a moderation queue that a real member of our admin team reviews. We investigate every single flag — none are auto-dismissed or ignored. Depending on what we find, we may remove content, restrict or suspend the account responsible, or take other action consistent with our Community Guidelines.

We can't promise a specific outcome or a specific timeline for every report, because every situation is different — but we can promise that a human being looks at every one.

7. Your Content

Prayer requests and recorded prayers work differently from most content you'd post elsewhere, because they're written or spoken for someone else, not just by you.

• While your request is unmatched, or while a prayer you recorded hasn't yet been delivered, it belongs to your own account, and you can delete your account and remove it (subject to Section 8's audit-history exceptions).
• Once a prayer request has been prayed for, or a recorded prayer has been delivered, that content becomes part of the other person's own record. A Praying Member's recorded prayer, once delivered, is the Prayer Recipient's to keep — it doesn't disappear if the Praying Member later deletes their account. Likewise, a prayer request that's been prayed for remains part of the historical record tied to the prayer that answered it. This is a deliberate design decision, not a data-retention afterthought: it reflects that a completed prayer is something given to another person, not something that stays fully "yours" to revoke afterward.
• You retain ownership of what you write or record. By submitting a prayer request or recording a prayer, you grant Ripple the license we need to store, transcribe, screen, route, and deliver it as the Service is designed to work — nothing more.
• You agree not to submit or record content that isn't genuinely yours to share, that impersonates someone else, or that violates someone else's rights.

8. Account Deletion and Data Retention

You can delete your Ripple account at any time from Settings. Deleting your account removes your profile information and stops any future prayer requests or assignments involving you.

Deleting your account does not remove:

• Prayers you've already recorded that have been delivered to a recipient (Section 7).
• Prayer requests you've submitted that have already been prayed for and matter to another person's recorded prayer.
• Records we're required to keep for legitimate business, safety, legal, or audit purposes (for example, records related to an active moderation investigation).

We've written our Privacy Policy to describe this in more detail.

9. Subscriptions

Some features of Ripple require a paid membership, which may include a free trial period. Subscription terms (pricing, trial length, renewal, and cancellation) are presented to you at the time of purchase and are processed through Apple's or Google's platform billing systems, not directly by us — their terms apply to the transaction itself, alongside these Terms.

(This section will be expanded once Ripple's subscription system is live — see our Development Roadmap, Milestone 14.)

10. Account Suspension and Termination

We may suspend or terminate your access to the Service if you violate these Terms or our Community Guidelines, if your account poses a safety risk to others, or if we're required to by law. Where practical, we'll try to tell you why — but in cases involving abuse, safety, or an active investigation, we may not always be able to share full details.

You may stop using the Service and delete your account at any time.

11. Disclaimers

The Service is provided "as is." Ripple is a spiritual and community tool, not a substitute for professional medical, mental health, legal, or financial advice. If a prayer request or a message you receive raises a serious safety concern — for yourself or someone else — please contact appropriate local emergency services or a qualified professional. We do not monitor requests or prayers in real time and cannot respond to emergencies.

To the fullest extent permitted by law, Ripple disclaims all warranties, express or implied, about the Service, including that it will be uninterrupted, error-free, or free of content you may find objectionable (see Section 3).

12. Limitation of Liability

To the fullest extent permitted under the laws of the Province of Manitoba, Kivfer Holdings Inc. and its officers, employees, and agents will not be liable for any indirect, incidental, special, or consequential damages arising from your use of the Service, or from the content of any prayer request or recorded prayer submitted by another user — including content that turns out to be false, offensive, or harmful. Our total liability for any claim relating to the Service is limited to the amount you paid us, if any, in the twelve months before the claim arose.

(This section, more than any other, requires real attorney drafting before publication — see the Risks note at the top of the sprint that produced this draft.)

13. Governing Law and Disputes

These Terms are governed by the laws of the Province of Manitoba, Canada, without regard to conflict-of-law principles. Any dispute arising from these Terms or your use of the Service will be resolved in the courts of Manitoba, and you consent to that jurisdiction.

14. Changes to These Terms

We may update these Terms as Ripple grows. If we make a material change, we'll let you know through the app or by email before it takes effect. Continuing to use Ripple after a change takes effect means you accept the updated Terms.

15. Ripple May Be Transferred

Kivfer Holdings Inc. may assign or transfer these Terms, and the rights and obligations under them, to a successor entity — for example, if Ripple is sold or transferred to new ownership. These Terms remain binding on you and on our successors and assigns.

16. Contact Us

Questions about these Terms can be sent to [contact email — to be added].