Terms of Service

1. Agreement

These Terms of Service ("Terms") form an agreement between Kovify ("Kovify", "we", "us") and the business entity that subscribes to or uses the Kovify Accounts Receivable and Invoice-to-Cash automation service at kovify.pro and app.kovify.pro (the "Service"). By creating an account or using the Service, you agree to these Terms on behalf of that entity and confirm you have authority to do so.

2. Eligibility and business use

The Service is provided for business use only. You must be at least 18 years old and authorized to act for your organization. The Service is not intended for personal, household or consumer debt collection, and you may not use it for consumer collections activity.

3. Accounts

You are responsible for the accuracy of your account information, for maintaining the confidentiality of credentials, for the activity of all users in your environment, and for assigning appropriate roles and permissions. Notify us promptly of any unauthorized access.

4. Subscriptions and plans

The Service is sold as a subscription. Kovify One is $125 per month or $1,250 per year. Kovify Teams is $250 per month or $2,500 per year and includes up to 15 users; additional users are $15 per user per month. Kovify Enterprise is priced by written quote based on scope. Annual plans are billed for twelve months of service at the price of ten. Prices are in US dollars and exclude applicable taxes.

5. Billing

Monthly subscriptions renew automatically each month and annual subscriptions renew automatically each year until cancelled. Fees are charged in advance to the payment method on file through our payment processor. Added users and plan upgrades are billed for the then-current period. Except where required by law, payments are non-refundable, including for partial periods. If payment fails, we may suspend access until the balance is settled. We may change pricing with prior notice, effective at your next renewal.

6. Cancellation

You may cancel at any time; cancellation takes effect at the end of the current billing period, and you retain access until then. Downgrades take effect at the next renewal. You are responsible for exporting any data you wish to keep before your access ends.

7. Acceptable use

You agree not to:

• Use the Service unlawfully, or in violation of debt collection, communications, privacy or anti-spam laws applicable to you.
• Send unsolicited bulk email unrelated to legitimate receivables you are owed.
• Upload malicious code or attempt to breach, probe or disrupt the Service.
• Reverse engineer, resell, sublicense or provide the Service to third parties except as your own authorized users.
• Use the Service to harass, threaten or mislead recipients.
• Upload data you lack the right to process.

8. Integrations and third-party services

The Service can connect to accounting, ERP, mailbox and other third-party systems that you authorize. Those systems are governed by their own terms and privacy policies, and their availability, behavior and data quality are outside our control. You are responsible for holding the necessary rights and permissions to connect them. Integration availability may change, and some integrations are planned or available only through an Enterprise implementation.

9. AI-generated actions and human review

The Service uses AI to draft and send communications, interpret replies, classify disputes and recommend next actions based on the policies, rules and data you provide. AI output can be incomplete or incorrect. Every AI action is logged and reviewable, and you can pause automation, take over any account or conversation, and change any recommendation. You remain responsible for communications sent from your mailbox and for decisions taken in your Kovify environment, including credit, escalation, settlement and legal decisions. Kovify does not provide accounting, tax, credit or legal advice.

10. Your responsibilities regarding data

You are responsible for the accuracy of receivables data, contacts and policies you provide, for configuring your collection process and escalation rules, for having the legal basis to contact your customers, and for reviewing exceptions the Service routes to your team.

11. Your data and our rights

You retain all rights to your data. You grant Kovify a limited license to host, process and transmit that data solely to provide and support the Service, as described in our Privacy Policy. We may use aggregated, de-identified information that does not identify you or your customers to operate and improve the Service.

12. Availability

We work to keep the Service available and may perform maintenance, updates and changes. The Service is provided without an uptime commitment unless a separate written Enterprise agreement states otherwise. Features may be added, modified or discontinued.

13. Intellectual property

Kovify and its licensors own the Service, including its software, models, interfaces, designs, documentation and trademarks. These Terms grant you a non-exclusive, non-transferable right to use the Service during your subscription. You may not use our name or marks without permission.

14. Confidentiality

Each party will protect the other's non-public information disclosed in connection with the Service and use it only for purposes of this agreement.

15. Disclaimers

Except as expressly stated, the Service is provided "as is" and "as available" without warranties of any kind, whether express, implied or statutory, including merchantability, fitness for a particular purpose and non-infringement. We do not warrant that the Service will be uninterrupted or error-free, that AI output will be accurate, or that using the Service will produce any specific collection, DSO or cash flow result.

16. Limitation of liability

To the maximum extent permitted by law, neither party is liable for indirect, incidental, special, consequential, exemplary or punitive damages, or for lost profits, lost revenue, lost data or loss of goodwill. Kovify's total aggregate liability arising out of or related to the Service will not exceed the fees you paid to Kovify in the twelve months preceding the event giving rise to the claim.

17. Indemnification

You will defend and indemnify Kovify against third-party claims arising from your data, your communications with your customers, or your use of the Service in violation of these Terms or applicable law.

18. Suspension and termination

We may suspend or terminate access for non-payment, breach of these Terms, unlawful use, or risk to the Service or others. You may stop using the Service at any time. On termination, your right to use the Service ends and data is handled as described in our Privacy Policy.

19. Changes to these Terms

We may update these Terms. Material changes will be communicated through the Service or by email, and the "last updated" date will change. Continued use after an update constitutes acceptance.

20. Governing law

These Terms are governed by the laws of the United States and of the state in which Kovify is organized, without regard to conflict-of-law rules. We have not published our registered legal entity name, state of organization or mailing address on this page; if you require those details for contracting or vendor review, contact us and we will provide them.

21. Contact

Questions about these Terms: info@kovify.pro.