Effective Date: November 16, 2025

Welcome to kbeans.com! These Terms of Service (“Terms”) are a legal agreement between you and kbeans.com (“kbeans.com,” “we,” “us” or “our,” operating as cenika investments llc, 1160 Saint Matthew Dr) governing your use of kbeans.com‘s services and website (collectively, the “Services”). By using the Services, you agree to be bound by these Terms. If you do not agree to these Terms, do not use the Services.

Using Our Services

You must be at least 18 years old or the legal age of majority in your jurisdiction to open an account, use the Services, or purchase real estate.

We reserve the right to modify or discontinue any part of the Services with or without notice.

We have the right to terminate your access and use of the Services or any portion thereof for any reason, including your breach of these Terms.

Intellectual Property

The Services contain material that is owned or licensed by us, including but not limited to, images, designs, photographs, writings, graphs, data, and other content (collectively referred to as the “Content”). You may not use the Content for any purpose not expressly permitted by these Terms. We own the copyrights, trademarks, service marks, trade dress, and other intellectual property rights associated with our Services. Do not remove, obscure, or alter any legal notices displayed on or in connection with our Services.

Your Use of the Services

You agree not to reproduce, duplicate, copy, sell, re-sell, or exploit any portion of the Services or Content without express written permission. The Services may only be used by individuals aged 18 years or older.

You must not transmit any worms, viruses, or any code of a destructive nature. You must not, in the use of Services, violate any laws in your jurisdiction.

Limitation of Liability

In no event shall kbeans.com, nor its directors, employees, partners, agents, suppliers, affiliates, or cenika investments llc be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of or inability to use the service.

Governing Law

These Terms shall be governed and construed in accordance with the laws of Missouri, United States, without regard to its conflict of law provisions. You agree to submit to the personal jurisdiction of the courts located in St. Louis County, Missouri, for resolution of any lawsuit or court proceeding permitted under these Terms.

Changes

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days’ notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

Contact Us

If you have any questions about these Terms, please contact us at [email protected] or (314) 937-6483.