Terms of Service

1. Acceptance

By creating a Kaba account, accessing the platform, or using any Kaba service, you agree to be bound by these Terms of Service. If you do not agree, do not use the service. These terms apply to all users, including businesses, teams, and individuals.

2. Service description

Kaba is a cloud-based accounting and business management platform for MSMEs in West Africa. The platform includes invoicing, ledger management, receipt capture, payment reconciliation, tax reporting, AI assistance, and related features.

Kaba reserves the right to add, remove, or modify features at any time. Material changes that affect billing or data access will be communicated with at least 30 days' notice.

3. Pay-as-you-go billing

3.1 Platform fee

When you use Kaba on the Pay-as-you-go plan, a platform fee of 1% (one percent) applies to every invoice that is paid, regardless of how the customer pays — online via Kaba payment links, cash, bank transfer, or any other method.

3.2 Fee collection

• Online payments: The 1% fee is deducted automatically at the time of payment. You receive the net amount.
• Cash or offline: Kaba will invoice you for the fee at the end of each billing cycle. You agree to pay when invoiced.

3.3 Obligation to pay

By using the Pay-as-you-go plan, you acknowledge that you owe Kaba 1% of each paid invoice. Failure to pay may result in account suspension or other remedies as permitted by law.

4. Subscription billing

Starter (5,000 XOF/mo), Pro (15,000 XOF/mo), and Enterprise (30,000 XOF/mo) plans are billed monthly. No per-invoice commission applies on these plans.

Subscriptions auto-renew on the same day each month. You may cancel at any time; your plan remains active until the end of the paid period. No partial refunds are issued for early cancellation.

Prices may change with 30 days' notice. Continued use after the notice period constitutes acceptance of the new price.

5. Your data

You retain ownership of all business data you create in Kaba — invoices, ledger entries, receipts, customer records, and reports. Kaba is granted a limited license to store and process this data solely for the purpose of providing the service.

You may export your data at any time from Account Settings → Export. Upon account closure, your data is retained for 7 years as required by OHADA accounting regulations, after which it is deleted.

6. Acceptable use

You may not use Kaba to:

• Process payments or create invoices for illegal goods or services.
• Engage in money laundering, fraud, or tax evasion.
• Reverse-engineer, decompile, or attempt to extract the source code of the platform.
• Create fake invoices or artificially inflate financial records.
• Resell or redistribute Kaba without written authorization.

Violation of these terms may result in immediate account suspension without refund.

7. Intellectual property

The Kaba name and brand, the platform software, interfaces, and related design elements are intellectual property owned by TKH TECH Inc. Your use of the platform does not grant you any ownership rights in that intellectual property. Feedback you provide may be used to improve the product without compensation.

8. Limitation of liability

To the maximum extent permitted by law, Kaba's total liability for any claim arising from the use of the platform is limited to the fees paid by you to Kaba in the 3 months preceding the claim.

Kaba is not liable for indirect, incidental, special, or consequential damages, including lost profits, data loss, or business interruption, even if advised of the possibility of such damages.

9. Indemnification

You agree to indemnify and hold harmless TKH TECH Inc., its directors, employees, and agents from any claims, damages, or expenses arising from your violation of these Terms or your use of the platform in breach of applicable law.

10. Termination

Either party may terminate the agreement at any time. You may close your account from Settings → Account → Close Account. Kaba may suspend or terminate accounts for breach of these Terms, with or without notice depending on the severity of the breach.

Upon termination, your access to the platform ceases. Your data export rights remain for 30 days after closure.

11. Governing law

These Terms are governed by the laws of the Republic of Benin. Any disputes shall be resolved exclusively by the competent courts of Cotonou, Benin, and you consent to the jurisdiction of those courts.