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to be technically accurate and to reflect real product decisions, but it has not been reviewed by a lawyer and must not be published, relied upon, or treated as legally binding until it has.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.
Effective date: [not yet published] Entity: Kivfer Holdings Inc., Winnipeg, Manitoba, Canada ("Ripple," "we," "us," or "our")
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.
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.
Ripple connects two roles:
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.
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:
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.
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.
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.
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:
We've written our Privacy Policy to describe this in more detail.
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, Milestones 17 and 20. In addition to Apple's and Google's own in-app billing, some purchases may instead be processed through a web checkout — our paywall provider, Superwall, together with its payment processor, Stripe — whose own terms would apply to that transaction alongside these Terms.)
Before Ripple's app is available on the App Store or Google Play, we may offer a limited number of people the chance to support Ripple early, in exchange for future access to Praying Member features, through a one-time payment made directly on our website via PayPal (not through Apple's or Google's platform billing).
This is a temporary program that runs only while Ripple is pre-launch. It will end when Ripple's app is publicly available, and this section will be removed at that point. It is inserted here as Section 10A, rather than renumbering the sections that follow, precisely because it is temporary.
While Ripple is pre-launch, everyone on our confirmed waitlist has a personal referral link. If people you share it with join the waitlist and confirm their email, those confirmed referrals can earn you a membership at no cost.
How it works today. These numbers are set by us and can change (see "We can change or end this program" below):
What counts as a confirmed referral. A confirmed referral is a real, individual person who used your link, joined the waitlist with their own email address, and clicked the confirmation link we sent them. It does not count if:
Review before a Founding Membership is granted. Because a Founding Membership is a lifetime benefit, we review the referrals behind it by hand before granting it. We may decline to grant it if the referrals do not appear to be genuine, individual people. Any Launch Membership you have already earned is not affected by that review.
Fraud and disqualification. If we determine, in our sole discretion, that you have created fake accounts, used disposable or automated signups, or otherwise tried to manufacture referrals rather than genuinely refer people, we may disqualify you from earning any referral reward. We are not obligated to describe how we detect this, and we may decline to credit referrals or to grant a reward without giving a detailed explanation. Disqualification from referral rewards does not remove your own spot on the waitlist. You remain on the list and will still be invited when Ripple launches.
We can change or end this program. We may change the thresholds, the rewards, or any other part of this program, and we may pause or end it entirely, at any time and for any reason. If Founding Memberships sell out, the 10-referral Founding reward is no longer generally available, and the program continues in a reduced form (5 confirmed referrals still earns a Launch Membership). We may, at our discretion, still grant a Founding Membership to someone who was close to 10 confirmed referrals at the moment Founding closed, but we are not required to.
About the rewards. A membership earned through referrals has no cash value and cannot be transferred or exchanged for money. Like the paid pre-launch offers in Section 10, it grants access that begins on Ripple's real public launch date, not before. If the value of a reward is treated as taxable where you live, that's your responsibility, not ours.
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.
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).
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.)
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.
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.
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.
Questions about these Terms can be sent to [contact email — to be added].
