Terms of Service.

These terms govern your use of the Kofa platform. They apply to all users: seekers who post briefs, practitioners who participate in sessions, and coordinators who source and verify practitioners.

Version1.2
Last updatedAugust 2026
JurisdictionFederal Republic of Nigeria
I

Definitions

The following terms are used throughout this document with the meanings set out here.

Kofa / we / usKofa Insights Limited, a company registered under the laws of the Federal Republic of Nigeria.
PlatformThe Kofa web application, including the brief submission system, prep room, session technology, and decision asset delivery, accessible at kofa.network and its subdomains.
SeekerAny organisation or individual who submits a brief to the Platform to initiate a practitioner engagement.
PractitionerA verified expert who participates in a Kofa session in response to a seeker's brief.
CoordinatorA member of Kofa's field network who identifies and verifies practitioners against brief requirements.
BriefThe document submitted by a seeker defining the question to be addressed, the decision it will inform, and the practitioner profile required.
EngagementThe full process from brief submission to delivery of the decision asset, comprising matching, prep room, session, and decision asset production.
Decision assetThe primary deliverable of an engagement — the record the seeker owns, searchable and retrievable through Ask Kofa within their organisation. It is organised directly from the session transcript, keyed to the original brief questions, with Kofa's structuring limited to organising what was said. Kofa adds no analysis, conclusions, or recommendations of its own, and its structuring is always presented separately from practitioners' statements.
Structured notesThe term used in earlier versions of these terms for the decision asset.
Ask KofaThe platform's retrieval feature, which lets a seeker search their own organisation's decision assets by meaning. Retrieval is scoped to the organisation's assets and never pools content across clients.
BYOPBring Your Own Practitioner — the pathway by which a seeker identifies their own practitioner and uses the Kofa platform to run the engagement.
Panel engagementAn engagement format in which two or more practitioners address the same brief, whether in a joint session or in separate sessions, with the decision asset synthesising their contributions.
Field IntelligenceAn engagement format in which Kofa deploys field collectors to gather structured observations, interviews, and supporting media across multiple locations, coordinated by a lead project manager, and delivers a decision asset compiled from the collected material. Field Intelligence engagements do not involve a single recorded session.
II

What Kofa provides

Kofa is a software platform for practitioner intelligence. The platform structures the full engagement — the brief, the prep room, the session, and the decision asset delivered when it closes. Behind the platform, Kofa's coordinator network sources and independently verifies practitioners against the requirements of each brief. Kofa does not advise, interpret, or consult: the intelligence produced in a session belongs to the seeker and reflects the practitioner's own knowledge and experience, with no Kofa analysis, conclusions, or recommendations added.

Kofa is not a consulting firm, a research organisation, or an advisory service. It is a software platform, with a verified network behind it. Briefs move through a defined pipeline on the platform — draft, proposal, active, delivered, archived — so the seeker always knows where an engagement stands. The quality of the intelligence a seeker receives depends substantially on the quality of the brief they submit and the questions they bring to the session.

Not professional advice

Nothing produced through the Kofa platform constitutes legal, financial, investment, medical, or regulatory advice. Seekers are responsible for how they use the intelligence they receive. Kofa accepts no liability for decisions made on the basis of session content or decision assets.

III

Eligibility and registration

To submit a brief as a seeker, you must be at least 18 years old, authorised to enter into contracts on behalf of your organisation where applicable, and not prohibited from using the platform under applicable law.

Registration requires a valid email address and accurate organisation details. Kofa reserves the right to verify the identity of seekers before accepting a brief. Providing false registration information is grounds for immediate account termination.

Kofa's network and sourcing capabilities are currently focused on African markets. Organisations and individuals anywhere may use the Platform — including through the Bring Your Own Practitioner pathway in Section V — and Kofa may decline to accept a brief at its discretion without being required to give reasons.

IV

Briefs and engagements

Submitting a brief

By submitting a brief, the seeker confirms that the information in the brief is accurate to the best of their knowledge, that they are authorised to share that information with Kofa, and that the engagement is for a legitimate business purpose.

Brief acceptance

A brief is accepted when Kofa sends written confirmation to the seeker. Acceptance does not guarantee that a practitioner matching the brief requirements will be identified — though Kofa will make all reasonable efforts to do so within the stated timeline.

Matching timeline

Kofa aims to confirm a matched practitioner within 24–72 hours of brief acceptance. If no suitable practitioner can be identified within 5 business days, Kofa will notify the seeker and offer a full refund or an extended search period.

Engagement formats

Engagements are delivered in one of three formats: Access (a single practitioner session), Panel (multiple practitioners addressing the same brief), or Field Intelligence (structured collection across locations, coordinated by a lead project manager). The format for each brief is agreed at proposal stage and stated in the proposal.

Session conduct

Sessions are conducted in accordance with the agenda agreed in the prep room. The seeker may not ask the practitioner to provide advice on matters outside the scope of the brief without agreeing an amended agenda. The seeker may not record the session independently — Kofa's recording is the authoritative record.

Session cancellation

Sessions cancelled by the seeker more than 24 hours before the scheduled time are subject to a 15% cancellation fee. Sessions cancelled within 24 hours of the scheduled time are charged in full. Sessions cancelled by the practitioner after confirmation are rescheduled at no cost to the seeker, or refunded in full if rescheduling is not possible within 5 business days.

Panel cancellation

If a panelist cancels after confirmation, Kofa will reschedule or source a replacement panelist at no additional cost to the seeker. The engagement proceeds with the remaining panelists and any replacement, and the fee changes only if the replacement materially alters the panel composition agreed in the proposal.

Field cancellation

Field deployments cancelled by the seeker more than 7 days before the scheduled start date are not charged. Cancellations within 7 days of the scheduled start are subject to a 25% cancellation fee covering committed collector time and logistics. If Kofa cannot field the deployment as scoped within the agreed timeline, the seeker receives a full refund or a rescheduled deployment.

V

Bring Your Own Practitioner

The BYOP pathway allows seekers to bring a practitioner they have identified themselves. The Kofa platform runs the full engagement — prep room, NDA, agenda, session, transcript, and decision asset — without the sourcing and verification steps.

Seeker responsibility for BYOP practitioners

Where a seeker brings their own practitioner, the seeker is responsible for confirming that the practitioner is who they say they are and that their participation does not breach any third-party confidentiality or employment obligation. Kofa does not independently verify BYOP practitioners unless the seeker requests and pays for verification as an add-on service.

NDA still applies

All BYOP engagements are subject to the same NDA as standard engagements. The prep room NDA is executed between the seeker, the practitioner, and Kofa before the session begins regardless of how the practitioner was sourced.

VI

Delivery and quality guarantee

Decision asset deliveryThe decision asset is delivered within 72 hours of the session closing. If delivery is delayed beyond 72 hours due to Kofa's error, the seeker receives a 20% credit on the engagement fee.
Practitioner mismatchIf the practitioner does not match the experience profile defined in the brief — as determined by the seeker within 48 hours of delivery of the decision asset — Kofa will source and run a replacement engagement at no additional cost.
Decision asset qualityIf the decision asset does not clearly address the questions set out in the brief — as determined jointly by the seeker and Kofa — Kofa will run an additional session at no cost. This guarantee does not apply where the brief was insufficiently specific to allow the practitioner to prepare relevant responses.
Panel deliveryThe decision asset is delivered within 72 hours of the final session closing. The practitioner mismatch guarantee applies per panelist: if any panelist does not match the experience profile defined in the brief, Kofa will source a replacement and run a supplementary session at no additional cost.
Field deliveryField Intelligence assets are delivered within the timeline stated in the proposal (typically 5–10 business days after collection closes). The quality guarantee applies to delivery of the scoped collection — the number of interviews, the locations covered, and the media and observations agreed — rather than to the substance of what respondents said.
What the guarantee does not coverThe guarantee does not cover dissatisfaction with the practitioner's views or the content of their responses, provided the practitioner had the experience the brief required. Kofa ensures access to the right knowledge — it cannot guarantee that the knowledge will confirm what the seeker hoped to hear.
VII

Payment and refunds

Engagement fees are due at brief submission unless a credit agreement has been established with Kofa in writing. All fees are quoted and charged in USD unless otherwise agreed. Fees include practitioner compensation, coordinator fees, and Kofa's platform fee.

Refund policy

  • Full refund: If no suitable practitioner can be identified within 5 business days of brief acceptance
  • Full refund: If the session cannot be completed due to a technical failure on Kofa's infrastructure
  • Full refund: Within 48 hours of delivery of the decision asset if the seeker determines the practitioner did not match the brief profile, subject to Kofa's review
  • No refund: After 48 hours of delivery where the decision asset clearly addresses the brief questions
  • No refund: Where the session was completed and the decision asset delivered but the seeker is dissatisfied with the practitioner's views rather than the match to the brief
  • Panel: Fees are quoted for the agreed panel composition; replacing a panelist before the engagement begins does not change the fee. Refund claims follow the same rules as Access engagements, applied to the final decision asset
  • Field: Full refund if Kofa cannot field the deployment as scoped within the agreed timeline; no refund for dissatisfaction with the substance of collected responses; a partial refund, at Kofa's discretion, where the delivered collection falls materially short of the scoped count or coverage

Refund requests should be submitted to billing@kofa.network within 48 hours of delivery of the decision asset for quality-related claims, or at any point for no-match claims. Refunds are processed within 10 business days.

VIII

Intellectual property

The seeker owns the decision asset delivered to them in full. The seeker may use, reproduce, share, and cite the decision asset for any lawful purpose, subject to the confidentiality obligations in Section IX regarding practitioner identity.

The seeker's brief is and remains the intellectual property of the seeker. Kofa has no claim over brief content and uses it solely to facilitate the engagement it was submitted for.

Kofa owns the platform, its design, its software, its verification methodology, and all content it produces independently (including these terms, its policies, and its editorial publications). Nothing in these terms transfers any Kofa intellectual property to the seeker.

Session recordings remain the property of Kofa for the duration of the retention period, held solely for the purpose of producing the decision asset and resolving disputes. The seeker may request a copy of the recording for their own records — this copy becomes the seeker's property on delivery.

IX

Confidentiality

These terms incorporate by reference the confidentiality obligations set out in Kofa's Data & Confidentiality Policy. In the event of conflict between these terms and the Data & Confidentiality Policy, the Data & Confidentiality Policy governs.

Key obligations are summarised here for convenience:

  • The seeker may not disclose the practitioner's name or identifying information to third parties without the practitioner's written consent
  • The seeker may cite session findings internally and in investment memos, board papers, and donor reports — attribution to "a verified practitioner" or equivalent is acceptable
  • The practitioner may not disclose the content of the session or the identity of the seeker to third parties for the duration of the NDA term (3 years from session date)
  • Kofa's confidentiality obligations to the seeker are set out in full in the Data & Confidentiality Policy

The prep room NDA — executed before every session — is the primary confidentiality instrument. These terms supplement but do not replace it.

X

Acceptable use

The Platform may be used only for its intended purpose: obtaining practitioner intelligence to inform legitimate business, research, investment, or programme decisions.

You may not use the Platform to
Solicit practitioners for employment, consulting engagements, or any relationship outside the Kofa platform without Kofa's written consent
Extract practitioner contact details for use outside the engagement
Submit briefs intended to gather intelligence on a competitor rather than to inform a genuine decision
Submit false, misleading, or incomplete briefs
Record sessions independently or share session recordings without the practitioner's consent
Attempt to identify practitioners beyond what is disclosed by Kofa in the engagement record
Use a decision asset to misrepresent the practitioner's views in any public or investor-facing document
Access the Platform by automated means or scrape its content

Violation of acceptable use terms is grounds for immediate account termination and may result in legal action. Kofa reserves the right to decline future briefs from any organisation found to have violated these terms.

XI

Practitioner terms

Practitioners participate in Kofa sessions as independent individuals, not as Kofa employees or agents. They are compensated directly for their participation. Their engagement with the Platform is governed by a separate Practitioner Agreement, which covers verification, session conduct, NDA obligations, compensation, and withdrawal from the network.

Practitioners are not authorised to make representations on behalf of Kofa or to commit Kofa to any obligation in conversation with seekers. Any statement a practitioner makes during a session reflects their own knowledge and experience — not Kofa's views.

Coordinators operate under a separate Coordinator Agreement. Their obligations, compensation structure, and confidentiality requirements are set out in that agreement and in Kofa's coordinator briefing documentation.

XII

Liability and disclaimers

Kofa provides infrastructure for knowledge sessions. It does not verify the accuracy of information provided by practitioners beyond the verification of their experience profile. Practitioners speak from their own knowledge and experience — Kofa does not warrant that their statements are correct, complete, or current.

Kofa's liability to a seeker in connection with any engagement is limited to the fee paid for that engagement. Kofa is not liable for any indirect, consequential, or economic loss arising from a seeker's reliance on session content or decision assets.

Kofa is not liable for the decisions seekers make on the basis of intelligence obtained through the Platform. The seeker is solely responsible for how they use and act on the decision assets they receive.

Nothing in these terms limits Kofa's liability for fraud, wilful misconduct, or death or personal injury caused by Kofa's negligence.

XIII

Termination

Either party may terminate an account with 30 days' written notice. Termination does not affect engagements already in progress — these will be completed under the terms in force at the time the brief was accepted.

Kofa may terminate an account immediately and without notice if the seeker has violated the acceptable use terms in Section X, provided false registration information, failed to pay fees when due, or taken any action that Kofa reasonably believes puts the integrity of the practitioner network at risk.

On termination, the seeker retains ownership of all decision assets already delivered. Kofa will delete the seeker's engagement data in accordance with the retention schedule in the Data & Confidentiality Policy, subject to the exceptions set out there.

Sections VIII (intellectual property), IX (confidentiality), XII (liability), and XIV (governing law) survive termination.

XIV

Disputes and governing law

These terms are governed by the laws of the Federal Republic of Nigeria. Any dispute arising from or in connection with these terms or an engagement conducted through the Platform will be subject to the exclusive jurisdiction of the courts of Nigeria, unless both parties agree in writing to alternative dispute resolution.

Before initiating formal proceedings, either party must provide written notice of the dispute and allow 30 days for good-faith negotiation. Where the dispute concerns a specific engagement, the parties will first attempt resolution through Kofa's internal escalation process (contact details in Section XV of the Data & Confidentiality Policy).

Kofa Insights Limited is registered under the laws of the Federal Republic of Nigeria. This document, the Privacy Policy, and the Data & Confidentiality Policy together govern the use of the Kofa platform.

For clients based in jurisdictions that require local governing law under mandatory rules, the applicable local law will apply to the extent required — but the remaining terms will continue to be governed by Nigerian law.

XV

Changes to these terms

Kofa may update these terms from time to time. Material changes — those that affect seeker rights, payment terms, liability, or confidentiality obligations — will be communicated to active clients by email at least 30 days before they take effect.

Minor changes — corrections, clarifications, or administrative updates that do not affect substantive rights — may be made without notice and take effect when published. The version number and last-updated date at the top of this page reflect the current version.

Continued use of the Platform after the effective date of any change constitutes acceptance of the updated terms. If a seeker does not accept the updated terms, they may terminate their account before the effective date without penalty.

Questions about these termslegal@kofa.networkResponse within 5 business days.