Terms & Conditions (KOSHA)

**Effective date:** 2025-10-24

1. Agreement

By using KOSHA services (the “Service”), you agree to these Terms. If you are entering into this agreement on behalf of an entity, you represent that you have authority to bind that entity.

2. Service

We provide software to automate collections, reconciliation, ledger posting and draft compliance artifacts. We may update features and interfaces.

3. Customer responsibilities

Provide accurate information, comply with applicable laws, safeguard credentials and ensure proper consent for any data you submit.

4. Fees & payment

Fees are stated in your Order Form or online plan. Taxes, if any, are additional. Late amounts may accrue interest. We may suspend for non‑payment.

5. Data & IP

You own your data. We own the Service and related IP. You grant us a limited license to process your data to provide the Service.

6. Confidentiality

Each party will protect the other’s confidential information and use it only for purposes of this agreement.

7. Security & compliance

We implement industry‑standard controls and will notify you of material incidents without undue delay.

8. Warranties & disclaimers

The Service is provided “as is”. We disclaim all warranties to the extent permitted by law.

9. Liability

Our aggregate liability is limited to the fees you paid in the 12 months before the claim. We are not liable for indirect or consequential damages.

10. Term & termination

Either party may terminate for material breach not cured within 30 days. Upon termination, we will provide export tools and delete data per our policy.

11. Governing law

This agreement is governed by the laws of India. Venue: Bengaluru, Karnataka, unless otherwise agreed in your Order Form.

12. Contact

legal@usekosha.com