The fine print, in plain English.

1. Who we are

KashKit is a marketing name for Mak & Brothers Development LLC, a Texas limited liability company licensed by the Texas Office of Consumer Credit Commissioner under OCCC License #2780724 and registered with the Nationwide Multistate Licensing System under NMLS #2780724. Our address is San Antonio, Texas. Contact: support@kashkit.us.

2. Eligibility

To use KashKit, you must:

• Be at least 18 years old.
• Be enrolled at a participating Texas college or university and have a valid .edu email address from that school.
• Have a U.S. checking account at a bank we support, in your name.
• Be a U.S. resident with a valid Social Security Number.

3. Loan products

KashKit offers small consumer loans of $25, $50, or $100 with single-payment (30-day) or biweekly repayment schedules. Every loan's total cost — including any acquisition fee, interest, and finance charge — is disclosed before signing in your TILA statement, as required by federal Truth in Lending Act regulations.

4. Late payments

If a scheduled payment is late, you have a 10-day grace period during which no late fee applies. After day 10, a late fee equal to 5% of the scheduled payment is assessed. The late fee is never a flat dollar charge, and never compounds. We will notify you in advance of each due date by text and email.

5. Tier system

New borrowers begin at Tier 1 ($25 maximum). Successful on-time repayment unlocks Tier 2 ($50) and Tier 3 ($100). Tier increases are not guaranteed and may be revoked for missed payments, suspected fraud, or other risk factors at our discretion.

6. Your account

You are responsible for keeping your login credentials secure and for all activity that occurs under your account. Notify us immediately at support@kashkit.usif you suspect unauthorized access.

7. Prohibited uses

You agree not to:

• Provide false, misleading, or fraudulent information.
• Use KashKit on behalf of another person without authorization.
• Attempt to bypass tier limits, link an account that isn't yours, or otherwise circumvent our verification.
• Use KashKit in violation of any applicable law.

8. Disclosures and consents

By signing a loan agreement you consent to electronic delivery of all required disclosures, including your TILA statement, the OCCC consumer notice, payment reminders, and any change of terms notices. Paper copies are available on request at no charge.

9. Disputes

Any disputes will be governed by the laws of the State of Texas. Before initiating any formal claim, please contact legal@kashkit.us so we can attempt to resolve it directly. See our OCCC Notice for how to file a complaint with the Texas regulator.

10. Changes to these terms

We may update these terms from time to time. If changes are material, we will notify you by email at least 30 days before they take effect. Continued use after the effective date constitutes acceptance.

Questions? Email legal@kashkit.us. For complaints, see our OCCC Notice.