Who issues your KOHO card: The KOHO Visa prepaid card is issued by peoples Trust Company on the license of Visa International Incorporated. This agreement exists between you and The Peoples Trust Company. KOHO is the distributor of the KOHO prepaid visa card. KOHO is a service provider for the Peoples Trust Company to manage certain aspects of the KOHO card program, such as providing equal account to cardholders. B and transmitting messages from Peoples Trust Company to cardholders via the KOHO app or using the contact information provided via the KOHO app. To the extent that it is relevant to our relationship with you, these services are referred to in this agreement. KOHO may offer and provide services to Cardholder as a service provider for cardholders and not on behalf of the Peoples Trust Company. The KOHO services made available to you by KOHO will eventually be subject to agreements between you and KOHO. PEOPLES TRUST COMPANY IS NOT THESE SERVICES AND IS NOT FOR YOU, OR ANY LOSS, HARM OR DAMAGE OF ANY KIND YOU MAY SUFFER AS A RESULT OF USING KOHO SERVICES ON ANY THEORY OF LIABILITY, LEGAL, EQUITABLE OR OTHERWISE. My number one rule for putting money everywhere is insurance or at least a calculated risk. Risk versus reward. Like stocks, bonds, futures and even gambling in the hope that your money can rise as much as it can fall. Do they pay interest? No, they don`t want to know why? Because koho distributes their money to other people while sitting there and third parties manage your money to generate their own income.