You can find your agreement by logging into your Kikoff account, clicking on your Kikoff Credit Account tab, and navigating to the bottom to the "See Credit Account Agreement" link at the bottom of that page.
Note: If you have additional accounts with Kikoff, the terms for those are located in the same place, but under the appropriate account tab ("Home" for Credit Account or Credit Builder Loan products, "Secured Card" for our Secured Credit Card product)