Terms of Service

Effective: August 24, 2026

Welcome to KovaIO. These Terms of Service ("Terms") form a binding agreement between you (or the business you represent) and KovaIO regarding your use of the KovaIO platform. By creating an account or using the platform, you agree to these Terms. If you don't agree, don't use KovaIO.

1. Definitions

  • "KovaIO," "we," "us" — the software platform and its operator, KovaIO, LLC.
  • "Service" — the KovaIO platform, including the web application at app.kovaio.ai, the marketing site at kovaio.ai, our commerce applications distributed through third-party marketplaces (including the Shopify App Store), content generation and publishing features, bookkeeping and commerce features, and any related APIs.
  • "Tenant" — a business or organization that has a workspace on KovaIO.
  • "You" / "User" — the individual using the Service, including tenant operators, administrators, and team members.
  • "Tenant Content" — brand assets, photos, videos, brand profile information, post drafts, generated content, connected account credentials, and any other data you upload to or generate within the Service.
  • "Merchant Data" — data KovaIO receives from a sales channel you connect (such as Shopify or Amazon) or a financial institution you connect (via Plaid), and the accounting records we produce from it. Merchant Data includes Customer Personal Data.
  • "Customer Personal Data" — personal data about your own customers that reaches KovaIO through a connected sales channel, including names, email addresses, phone numbers, and shipping or billing addresses appearing on orders and invoices.

2. Account and eligibility

To use KovaIO, you must be at least 18 years old (or the age of majority in your jurisdiction) and capable of forming a binding contract. You are responsible for keeping your account credentials secure and for all activity that occurs under your account. Notify us promptly at hello@kovaio.ai if you suspect unauthorized access to your account.

3. Description of the Service

KovaIO is a multi-tenant SaaS platform for small and mid-sized businesses, with two sides:

  • Content — AI-assisted content generation (text via Anthropic Claude, images via fal.ai models), an approval workflow, and scheduled publishing to connected social platforms (currently Instagram via direct OAuth or via the Ayrshare aggregator).
  • Commerce — bookkeeping and financial operations for merchants: double-entry accounting, invoicing, purchase orders, inventory and cost tracking, bank feed reconciliation via Plaid, and settlement reconciliation for connected sales channels including Shopify and Amazon.

Tenants may use either side independently. Connecting a sales channel or bank account is optional and is initiated by you.

We may add, modify, or discontinue features over time. Material reductions in functionality will be communicated to tenant administrators before they take effect.

4. Acceptable use

You agree not to use KovaIO to:

  • Publish content that is illegal, abusive, harassing, hateful, or violates third-party rights.
  • Impersonate any person or entity, or misrepresent your affiliation with a person or entity.
  • Send spam, mass unsolicited messaging, or content that violates anti-spam laws.
  • Use Customer Personal Data obtained through the Service for marketing, resale, or any purpose other than operating your own business.
  • Reverse-engineer, scrape, or attempt to extract source code from the Service except as expressly permitted by law.
  • Interfere with the Service's operation, attempt to access accounts or data you are not authorized to access, or abuse rate limits.

When using KovaIO with connected platforms, you must comply with each platform's terms and policies — including Instagram's Terms of Use, Community Guidelines, and Platform Policy, and Shopify's Terms of Service and API Terms where you have installed a KovaIO app on a Shopify store. Content or activity that would violate a connected platform's rules may not be generated, scheduled, published, or performed through KovaIO.

We may suspend or terminate access for violation of these acceptable-use rules (see Section 12).

5. AI-generated content

KovaIO uses third-party AI services to generate content variants based on your inputs. AI-generated content may contain inaccuracies, factual errors, outdated information, or content that doesn't fit your brand voice.

You are responsible for reviewing AI-generated content before publishing it. The approval workflow is designed so a human decision is required before publication. KovaIO is not liable for content you choose to publish or distribute, regardless of whether that content was AI-generated or human-authored.

AI-generated content must not impersonate, falsely endorse, or be falsely attributed to real individuals (including public figures) without their permission. You are responsible for ensuring AI-generated content does not infringe third-party rights, including rights of publicity, likeness, or trademark.

Merchant Data and Customer Personal Data are not sent to any AI service. Our in-app assistant transmits only the messages you type to it and has no access to your business records.

6. No accounting, tax, legal, or financial advice

KovaIO's commerce features are bookkeeping software. They are not a substitute for a qualified accountant, bookkeeper, tax professional, auditor, or attorney, and nothing produced by the Service constitutes accounting, tax, legal, or financial advice.

You are solely responsible for the accuracy and completeness of your books and for any filing, return, statement, or report you produce from them. Records generated by the Service — including ledgers, financial statements, invoices, inventory valuations, and reconciliation results — depend on the accuracy of the data you and your connected platforms provide, on the settings and account mappings you choose, and on your own review.

You should have a qualified professional review your books before relying on them for tax filings, regulatory submissions, financing applications, audits, or any other consequential purpose. KovaIO is not liable for any tax, penalty, interest, fine, misstatement, or loss arising from your use of, or reliance on, records produced by the Service.

7. Merchant Data and our role

Where KovaIO processes Customer Personal Data on your behalf, you are the data controller and KovaIO is your data processor. You are responsible for having a lawful basis to collect and process your customers' personal data, and for providing your customers with any notices or choices required by applicable law.

In that role, KovaIO will:

  • Process Customer Personal Data only to provide the Service to you, and only on your documented instructions — your use of the Service being those instructions.
  • Not sell, rent, or share Customer Personal Data, and not use it for advertising, marketing, benchmarking one merchant against another, or training machine learning models.
  • Impose confidentiality obligations on personnel with access to it, and limit that access to those who need it for operations and support.
  • Maintain the security measures described in our Privacy Policy, including encryption in transit and at rest.
  • Engage sub-processors only as listed in our Privacy Policy, and remain responsible for their performance.
  • Honor requests to access, correct, or delete Customer Personal Data, including requests received through a connected platform's own privacy request flows.
  • Delete or return Customer Personal Data on termination, as described in Section 13.
  • Assist you, at your reasonable request, in responding to a data subject request or a regulatory inquiry relating to data we process for you.

If a customer of yours contacts KovaIO directly with a request about their personal data, we will direct them to you as the controller and, where appropriate, work with you to resolve it.

Our Privacy Policy describes the specific data we receive from each connected platform, the purposes for which we use it, and our retention and deletion practices. It is incorporated into these Terms by reference.

8. Tenant content ownership and license to KovaIO

You retain all rights, title, and interest in Tenant Content and Merchant Data. We do not claim ownership of your brand assets, content, credentials, business records, or any data you provide or connect.

You grant KovaIO a non-exclusive, worldwide, royalty-free license to access, host, store, copy, process, transmit, and display Tenant Content and Merchant Data solely for the purpose of providing and improving the Service to you. This license is limited to operating KovaIO on your behalf. It does not grant KovaIO the right to use Tenant Content or Merchant Data for marketing, training third-party AI models, or any purpose unrelated to providing the Service. The license terminates when you delete the content or close your account, subject to the retention timelines described in Section 13 and our Privacy Policy.

Note that content already published to third-party platforms (e.g., Instagram) through KovaIO remains subject to those platforms' terms and may persist on those platforms after deletion from KovaIO. We are unable to retract content from third-party platforms after publication; you must remove such content through the platform itself.

9. KovaIO intellectual property

KovaIO owns the Service, including its software, designs, AI prompts and templates, brand, trademarks, and all other elements that make up the platform, excluding Tenant Content and Merchant Data. Nothing in these Terms transfers any KovaIO intellectual property to you. You may not copy, modify, distribute, sell, or create derivative works of the Service except as expressly permitted by these Terms.

10. Third-party services and data handling

KovaIO integrates with and depends on third-party services (hosting, AI providers, social platforms, sales channels, bank data aggregation, email delivery, payment processing). Your use of those services through KovaIO is subject to their respective terms. Where you install a KovaIO application from a third-party marketplace, that marketplace's own terms also govern your installation and use of it.

We depend on those platforms remaining available and continuing to grant the access they grant today. We do not control their APIs, policies, rate limits, or approval decisions, and changes on their side may affect what the Service can do.

Our handling of your data, including what flows to which third party, is described in our Privacy Policy. By using KovaIO, you also agree to our Privacy Policy.

11. Fees and payment

KovaIO offers both a free tier with no time limit and paid plans. The free tier carries usage limits; paid plans raise or remove them. Current pricing and what each plan includes are shown in the application before you subscribe. You will not be charged without your explicit acceptance of a plan's fees and billing terms, and we will communicate any change to the pricing of a plan you are on in advance.

Some parts of the Service are priced differently. Where a KovaIO application meters usage (for example, a per-order charge in addition to a monthly base), the metering basis and rates are shown before you subscribe and on your invoice. Free trials, where offered, convert to a paid subscription at the end of the trial period unless you cancel before it ends.

Where you install a KovaIO application from a third-party marketplace, that marketplace may handle billing for the application, in which case its billing terms, currency, refund rules, and cancellation behavior apply to those charges, and your subscription is managed through that marketplace rather than directly with us.

Payment processing for subscriptions billed directly by KovaIO is handled by Stripe. For tenants who use KovaIO's optional commerce features, third-party services you connect (e.g., Stripe, Plaid) may charge their own fees per their terms.

12. Termination

By you — you may close your account at any time by emailing hello@kovaio.ai, or by uninstalling a KovaIO application from the marketplace through which you installed it. Closure takes effect within a reasonable time after we receive the request.

By KovaIO — we may suspend or terminate your access if you materially breach these Terms (including violations of Section 4 Acceptable Use), if you fail to pay applicable fees when due, if your use of the Service creates legal or operational risk to KovaIO or other tenants, or if we are required to do so by law or by a platform through which you installed the Service. We will provide notice where reasonably possible.

13. Data export and retention after termination

Upon account termination, the following timeline applies:

  • Days 0–30 — you may self-export your account data and content via the platform's export features.
  • Days 30–90 — your data is retained but no longer self-serve exportable. You may request a one-time export by emailing privacy@kovaio.ai.
  • Day 90 — full deletion of your account data begins, subject to records we are legally required to retain (e.g., billing records for paid plans).

Uninstalling a connected sales channel. Where you uninstall a KovaIO application from a marketplace and that marketplace sends us an erasure request on your behalf, we delete the data associated with that store — including Customer Personal Data, invoices, ledgers, transaction history, and message history — rather than applying the 90-day timeline above. Export your records before uninstalling if you need them.

OAuth credentials for connected accounts are deleted immediately on account closure or uninstall, regardless of the export window.

Data retention timelines align with our Privacy Policy — see the "Data retention" section of the Privacy Policy for full details on data storage, processing, and deletion practices.

14. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ACCURACY OF AI-GENERATED CONTENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE. WE DO NOT WARRANT THAT ANY BOOKKEEPING RECORD, LEDGER, FINANCIAL STATEMENT, INVENTORY VALUATION, OR RECONCILIATION RESULT PRODUCED BY THE SERVICE IS ACCURATE, COMPLETE, OR SUITABLE FOR TAX, REGULATORY, OR AUDIT PURPOSES — SEE SECTION 6. WE DO NOT WARRANT THAT CONNECTED THIRD-PARTY PLATFORMS (INCLUDING INSTAGRAM AND SHOPIFY) WILL CONTINUE TO ACCEPT KOVAIO REQUESTS, REMAIN AVAILABLE, OR PROVIDE ANY PARTICULAR LEVEL OF SERVICE.

15. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, KOVAIO SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST REVENUE, LOST DATA, LOST GOODWILL, OR ANY TAX, PENALTY, INTEREST, OR FINE, ARISING OUT OF OR RELATING TO YOUR USE OF THE SERVICE, REGARDLESS OF THE LEGAL THEORY. OUR TOTAL CUMULATIVE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID KOVAIO IN THE TWELVE MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) FIVE HUNDRED U.S. DOLLARS ($500).

16. Indemnification

You agree to indemnify and hold KovaIO and its officers, employees, and affiliates harmless from claims, damages, and expenses (including reasonable attorneys' fees) arising out of (a) your Tenant Content or Merchant Data, (b) your violation of these Terms, (c) your violation of any third-party right, including any platform you connect to or publish to through KovaIO, or (d) your failure to obtain a lawful basis for, or to provide required notices regarding, the processing of your customers' personal data.

17. Changes to these Terms

We may update these Terms as KovaIO evolves. Material changes will be emailed to tenant administrators at least 14 days before they take effect. Continued use of the Service after the effective date constitutes acceptance of the updated Terms.

18. Governing law and venue

These Terms are governed by the laws of the State of Louisiana, without regard to its conflict of laws provisions.

Any dispute arising out of or relating to these Terms shall be brought exclusively in the state or federal courts located in Orleans Parish, Louisiana, and both parties consent to the personal jurisdiction of such courts.

19. Miscellaneous

  • Severability — if any provision of these Terms is held unenforceable, the remaining provisions remain in full force.
  • No waiver — failure to enforce any provision does not waive our right to enforce it later.
  • Assignment — you may not assign these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, or sale of assets.
  • Entire agreement — these Terms, together with our Privacy Policy, constitute the entire agreement between you and KovaIO regarding the Service and supersede any prior agreements on the same subject.

20. Contact

For general questions about these Terms or the Service, email hello@kovaio.ai.

For privacy-specific questions, email privacy@kovaio.ai.