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Legal Document

Terms of Service

Last Updated: April 4, 2026  ·  Governing Law: State of Wyoming

Plain-English Summary

This page governs your use of the The House of Kijana website. The site is for informational and communication purposes only — it does not replace or modify any separately executed promissory note or related written agreement. If you have signed a promissory note with The House of Kijana, that document controls your transaction rights and obligations, not these Terms.

Welcome to The House of Kijana. These Terms of Service ("Terms") govern your access to and use of the The House of Kijana website located at abilitiesfinance.com and any related pages, forms, content, communications, and services made available through the website (collectively, the "Site").

By accessing or using the Site, you agree to be bound by these Terms. If you do not agree to these Terms, do not use the Site.

1 Purpose of the Site

The Site is provided for informational, educational, and communication purposes only. It is intended to explain the nature of The House of Kijana's private, relationship-based lending arrangement and to allow eligible individuals to request a direct conversation.

The Site is not intended to constitute an offer to sell securities to the general public, a public solicitation for investment, or a platform for account opening, custody, brokerage, or advisory services.

2 No Investment, Legal, or Tax Advice

Nothing on this Site constitutes investment advice, legal advice, tax advice, accounting advice, financial planning advice, or a recommendation to enter into any transaction.

The House of Kijana is not presenting website content as personalized advice. You are solely responsible for evaluating whether any private arrangement discussed with you is suitable for your circumstances. You should consult your own legal, tax, and financial advisors before entering into any transaction.

3 Nature of The House of Kijana

The House of Kijana describes a private lending arrangement under which certain persons with a pre-existing personal relationship with the founder may, if mutually approved, enter into written promissory note agreements with The House of Kijana.

Under that arrangement, funds accepted by The House of Kijana may be used in cryptocurrency trading operations conducted solely by The House of Kijana. Any economic rights, repayment terms, disclosure obligations, profit-sharing mechanics, withdrawal rights, and other transaction-specific terms are governed exclusively by the applicable promissory note and related written documentation — not by these Terms.

If there is any conflict between information presented on the Site and the terms of a signed written agreement, the signed written agreement controls.

4 Eligibility and Relationship Requirement

The Site is intended only for persons who are at least eighteen (18) years of age and who have a genuine, pre-existing personal relationship with The House of Kijana's founder or principals.

Access to the Site does not create any right to participate in any private arrangement. The House of Kijana reserves the right, in its sole discretion, to decline any inquiry, discontinue discussions, or determine that a person is not eligible for further consideration.

5 No Guarantee of Participation

Submission of a contact form, inquiry, or request for conversation does not create any obligation on the part of The House of Kijana to proceed with any transaction, provide documents, accept capital, or continue communications.

Any decision to enter into a private arrangement, if any, will occur only after direct discussion, review of written documentation, and execution of mutually accepted written agreements.

6 Risk Disclosure

Any private arrangement described on this Site involves substantial risk. Without limitation:

  • principal may be lost in whole or in part;
  • cryptocurrency markets are highly volatile;
  • repayment may depend on business liquidity and operating conditions;
  • promissory notes may be unsecured obligations;
  • there is no FDIC insurance, SIPC protection, or government guarantee; and
  • past performance, if shown or discussed, does not guarantee future results.

You should not rely on this Site as a substitute for reviewing the full written disclosure and transaction documents applicable to any specific arrangement.

7 Website Content; No Reliance

The content on this Site is provided in good faith for general informational purposes only. While The House of Kijana seeks to present information accurately, it does not warrant that the Site is complete, current, error-free, or suitable for any particular purpose.

You agree that any reliance on Site content is at your own risk. If there is any conflict between information presented on the Site and the terms of a signed written agreement, the signed written agreement controls.

8 Intellectual Property

All content on the Site, including text, graphics, branding, logos, layout, design elements, downloadable materials, and other original content, is owned by or licensed to The House of Kijana and is protected by applicable intellectual property laws.

You may view, download, or print reasonable portions of the Site solely for your personal, non-commercial use in evaluating the information presented. You may not copy, republish, distribute, modify, create derivative works from, or exploit Site content for commercial purposes without prior written consent.

9 Acceptable Use

You agree not to:

  • use the Site for any unlawful purpose;
  • interfere with or disrupt Site functionality or security;
  • attempt to gain unauthorized access to any systems, data, or accounts;
  • submit false, misleading, or incomplete information;
  • impersonate any person or entity; or
  • use the Site in a manner that could damage The House of Kijana's reputation or operations.

10 Privacy

Your use of the Site is also subject to the Privacy Policy, which is incorporated into these Terms by reference.

11 Third-Party Links

The Site may contain links to third-party websites or resources for convenience. The House of Kijana does not control and is not responsible for the content, policies, availability, or practices of third-party sites. Inclusion of a link does not imply endorsement.

12 Electronic Communications

By submitting information through the Site or communicating with The House of Kijana electronically, you consent to receive communications electronically, including by email, to the extent permitted by law.

13 Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. THE HOUSE OF KIJANA DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

14 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE HOUSE OF KIJANA AND ITS OFFICERS, DIRECTORS, OWNERS, EMPLOYEES, AGENTS, REPRESENTATIVES, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF DATA, REVENUE, PROFITS, GOODWILL, OR BUSINESS OPPORTUNITY, ARISING OUT OF OR RELATING TO YOUR ACCESS TO OR USE OF THE SITE.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE TOTAL AGGREGATE LIABILITY OF THE HOUSE OF KIJANA ARISING OUT OF OR RELATING TO THESE TERMS OR THE SITE SHALL NOT EXCEED ONE HUNDRED U.S. DOLLARS (US $100.00).

FOR THE AVOIDANCE OF DOUBT, TRANSACTION-SPECIFIC RIGHTS AND OBLIGATIONS, IF ANY, SHALL BE GOVERNED BY THE APPLICABLE WRITTEN AGREEMENTS AND NOT EXPANDED BY THESE TERMS.

15 Indemnification

You agree to defend, indemnify, and hold harmless The House of Kijana and its officers, directors, owners, employees, agents, representatives, and affiliates from and against any claims, liabilities, damages, judgments, losses, costs, and expenses, including reasonable attorneys' fees, arising out of or relating to:

  • your use of the Site;
  • your violation of these Terms;
  • your violation of applicable law; or
  • any false or misleading information submitted by you.

16 Suspension, Restriction, and Termination

The House of Kijana may suspend, restrict, or terminate your access to the Site at any time, with or without notice, if it believes you have violated these Terms, applicable law, or the intended use of the Site.

Termination or restriction of Site access does not, by itself, alter any rights or obligations contained in separately executed written agreements.

17 Changes to the Site or Terms

The House of Kijana may modify or discontinue all or any part of the Site at any time without liability.

The House of Kijana may also update these Terms from time to time. The updated version will be posted on this page with a revised "Last Updated" date. Your continued use of the Site after the effective date of revised Terms constitutes acceptance of the updated Terms.

18 Governing Law

These Terms and any dispute arising out of or relating to the Site or these Terms shall be governed by the laws of the State of Wyoming, without regard to conflict-of-law principles.

19 Dispute Resolution

Before filing any formal action, the parties agree to attempt in good faith to resolve any dispute informally.

If a dispute cannot be resolved informally, either party may pursue the matter in a court of competent jurisdiction located in Wyoming, unless the parties later agree in writing to an alternative dispute-resolution process.

20 Severability

If any provision of these Terms is found unenforceable, that provision shall be enforced to the maximum extent permitted by law, and the remaining provisions shall remain in full force and effect.

21 Entire Agreement

These Terms and the Privacy Policy constitute the complete agreement between you and The House of Kijana regarding your use of the Site. They do not replace, modify, or supersede any separately executed promissory note or related written agreement.

22 Contact Information

If you have questions about these Terms, please contact: