Terms of Service
1. Who we are, and our promise of respect
KV AI Accountant is operated by [legal entity name, company number, registered office — to be completed upon registration]. You can always reach a human at danielloverde@kvaiaccountant.com. We commit to treating you — our customer — with respect, honesty, and plain language, and we ask the same courtesy in return.
2. What this app is (and is not)
KV AI Accountant is an educational and organizational tool. It helps you organize documents, create invoices, estimate taxes, and understand business basics. It does NOT provide legal, tax, accounting, or financial advice, and it does not replace a licensed professional. You remain fully responsible for your business's filings, payments, and legal obligations.
3. Who may use the service
The service is designed for business use by self-employed persons and companies in our supported countries. You must be at least 18 years old and legally able to bind your business. Where you nevertheless qualify as a consumer under mandatory law (for example under the EU Consumer Rights Directive 2011/83/EU as implemented in your country), those mandatory protections apply to you and nothing in these terms reduces them.
4. Your account and security
Please keep your credentials secure and tell us promptly at danielloverde@kvaiaccountant.com if you suspect misuse. You are responsible for activity under your account until you notify us. We protect accounts with encryption in transit and at rest and EU hosting (see section 12).
5. Acceptable use
Use the app only for lawful business purposes. Do not use it for fraud, money laundering, issuing misleading invoices, infringing others' rights, attacking the service, scraping or reselling it, or attempting to access other users' data. We may suspend accounts used for fraud, abuse, or unlawful activity — where reasonable, after asking you first.
6. Estimates are estimates
All tax figures, VAT calculations, bookkeeping entries, and financial insights are estimates based on the data you provide. National deduction rules and exceptions are not fully applied. Kindly verify every figure with a qualified professional before filing or paying anything. The app does not file taxes for you.
7. AI features and fair use
AI-generated content (coach answers, help chat, document scanning, business plans, drafted emails) can contain errors. Please review AI output before relying on it or sending it. AI agents only act after your explicit approval. AI features are subject to reasonable fair-use limits to keep the service affordable for everyone; we will warn you before limiting an account.
8. E-invoicing (Peppol)
We transmit e-invoices as a technical intermediary via a certified Peppol Access Point, using the European standard EN 16931 (Peppol BIS Billing 3.0). In Belgium, structured B2B e-invoicing is mandatory from 1 January 2026 under the Law of 6 February 2024. You remain the legal issuer of your invoices and responsible for their content and mandatory particulars.
9. Subscriptions, billing and cancellation
Basic is free. Pro and Platinum are billed monthly through our payment provider and can be canceled anytime with effect at the end of the billing period — no exit fees, no questions asked. Prices are shown in EUR including applicable information required by EU price transparency rules; changes are announced in advance. Where a mandatory withdrawal right applies to you (Directive 2011/83/EU), you will be informed at checkout.
10. Free plan and early access (beta)
Compliance essentials always remain free. During the early-access period, some features (including features marked as beta) are provided free of charge on a reasonable-efforts basis, may evolve, and may later move to paid plans — with clear notice before anything changes for your account.
11. Your data is yours
You own your business data. You can export it at any time and request deletion at any time, reflecting your rights of access and portability under Articles 15 and 20 GDPR. We never sell your data and never use your business data to train AI models.
12. Privacy and data protection
We process personal data under the EU General Data Protection Regulation (2016/679). Data is hosted in the European Union, encrypted in transit and at rest, and processed by carefully selected processors under Article 28 agreements. Details, including retention periods and your rights, are in the Privacy Policy, which forms part of these terms.
13. Our intellectual property, and your licence
The platform — its software, design, brand, logo, texts, and structure — is and remains our exclusive property, protected by copyright and trademark law. We grant you a limited, non-exclusive, non-transferable, revocable licence to use the service for your own business while your account is active. Please do not copy, resell, or reverse-engineer the service beyond what mandatory law permits.
14. Your content, and the licence you give us
Documents, invoices, and data you upload remain yours. You grant us only the limited licence needed to operate the service for you: storing, displaying, converting (for example OCR text extraction and e-invoice formats), and backing up your content. We claim no other rights in it.
15. Third-party services
Parts of the service depend on trusted third parties: payment processing (Stripe), Peppol transmission (a certified Access Point), AI processing (Anthropic), and hosting infrastructure in the EU. Their availability is outside our direct control; where they have their own mandatory terms, we will tell you at the point of use.
16. Availability and maintenance
We aim for a reliable service and announce planned maintenance where reasonably possible. During early access, the service is provided on a reasonable-efforts basis without a guaranteed uptime level. Back up important exports regularly — we make this easy with one-click exports.
17. Limitation of liability
To the maximum extent permitted by applicable law, we are not liable for indirect damages, lost profits, missed deadlines, tax penalties, or decisions made based on the app's content. Nothing in these terms excludes liability that cannot lawfully be excluded — including under mandatory consumer-protection rules of your country of residence. [Lawyer: per-jurisdiction caps and carve-outs required.]
18. Your responsibilities and indemnity
You warrant, kindly and firmly, that the data you upload is lawful and yours to use, that your invoices reflect real transactions, and that you will not use the service to harm others. You agree to compensate us for third-party claims caused by your unlawful use of the service, to the extent permitted by the law that protects you.
19. Termination and what happens to your data
You may close your account at any time in Settings. We may close accounts for material breach of these terms, with prior notice where reasonable. After closure, your data remains exportable for [30] days and is then deleted, except where statutory retention duties (for example bookkeeping retention laws) require otherwise.
20. Changes, governing law and disputes
If we change these terms materially, you will be asked to review and accept the new version before continuing. These terms are governed by [Belgian] law (choice under Article 3 of the Rome I Regulation 593/2008); mandatory consumer-protection rules of your country of residence remain unaffected. Disputes go first to a friendly conversation with us, then — where applicable under Regulation 1215/2012 (Brussels I bis) — to the competent courts of [Brussels] or of your domicile where the law so provides. [Lawyer to finalize.]