Clear, fair, and responsible use of KOMERRA.

These Terms of Service constitute a legally binding agreement between you and KOMERRA Technologies Limited, a company registered in the Federal Republic of Nigeria with registration number 9681120. In these Terms, “KOMERRA”, “we”, “us”, and “our” refer to KOMERRA Technologies Limited.

These Terms govern your access to and use of KOMERRA websites, web applications, mobile applications, software, artificial-intelligence features, business-management tools, communication integrations, Mini Stores, Trust Passports, document-generation tools, APIs, support services, and other products or functionality that we make available collectively as the “Services”.

By creating an account, accepting these Terms electronically, purchasing Credits, joining a KOMERRA workspace, using a Mini Store, connecting a third-party service, or otherwise accessing or using the Services, you confirm that you have read, understood, and agreed to these Terms.

These Terms were last updated on 20 July 2026. They take effect on the effective date displayed when they are published or otherwise presented to you.

You should read these Terms together with the KOMERRA Privacy Policy, Acceptable Use Policy, Refund and Cancellation Policy, Account Deletion Policy, Data Retention Policy, Data Processing Agreement, Cookie Policy, Business Verification and Trust Passport Policy, Mini Store Policy, and any feature-specific terms that apply to your use of the Services.

“Account” means the registered profile through which an individual, business, organization, or authorized representative accesses the Services.

“Authorized User” means an owner, administrator, employee, contractor, adviser, agent, or other person whom an Account owner permits to access a Workspace.

“Business Content” means information, files, records, messages, images, audio, documents, instructions, and other materials entered, uploaded, imported, generated, approved, stored, or transmitted through a Workspace. Business Content may include customer records, staff records, orders, inventory information, conversations, product images, payment evidence, business logos, invoices, quotations, receipts, delivery notes, and reports.

“Business Customer” means a customer, prospective customer, visitor, recipient, or other person who interacts with a business using KOMERRA, including through a Mini Store, Trust Passport, document, connected communication channel, or customer-facing page.

“Credits” means prepaid, promotional, trial, gifted, or otherwise allocated service units used to perform designated chargeable actions within KOMERRA.

“High-Impact Action” means an action that may materially affect a business, customer, financial record, communication, legal obligation, privacy interest, or operational decision. High-Impact Actions may include sending communications, confirming orders, recording payments, issuing documents, changing permissions, publishing information, or deleting records.

“Mini Store” means a business-facing digital storefront hosted, enabled, or facilitated through KOMERRA through which a business may display products or services, receive customer information, collect orders, communicate payment instructions, receive payment evidence, and manage fulfilment.

“Output” means information generated, extracted, classified, summarized, recommended, predicted, drafted, translated, or otherwise produced through an AI-assisted or automated feature.

“Trust Passport” means a profile, badge, verification status, business-information page, activity indicator, or trust-related feature that displays information concerning a business, its registration, its identity, completed checks, platform activity, or other trust signals.

“Workspace” means the dedicated KOMERRA environment belonging to a business or organization through which the business and its Authorized Users access and manage the Services.

By using the Services, you confirm that you have the legal authority and capacity to enter into this agreement and comply with these Terms.

Where you create, access, or use an Account for a company, partnership, registered business name, association, institution, or other organization, you represent that you are authorized to accept these Terms on behalf of that organization.

Where you accept these Terms on behalf of an organization, references to “you” include both the organization and the individual accepting these Terms on its behalf. The organization is responsible for the acts and omissions of its Authorized Users.

You must not create or operate an Account on behalf of another person or organization unless you have genuine and continuing authority to do so.

If your authority to represent an organization ends, you must stop acting on behalf of that organization and notify the Workspace owner or KOMERRA where necessary.

You must be legally capable of entering into a binding agreement under the law applicable to you.

A person who has not reached the applicable age of legal majority may not independently create or control a business Account unless an authorized parent, guardian, employer, or lawful representative accepts these Terms and assumes responsibility for the Account.

You may not use the Services if you are prohibited from receiving them under applicable law, a court order, regulatory restriction, trade restriction, or binding contractual obligation.

Certain features may be restricted by location, age, industry, verification status, business type, payment-provider rules, connected-service rules, or applicable law.

KOMERRA may require reasonable evidence of eligibility, authority, identity, or business status before allowing access to a feature.

Certain Services may be governed by additional terms, an enterprise agreement, an order form, a service-level agreement, a Data Processing Agreement, or a feature-specific notice.

Where a separately signed agreement expressly states that it overrides part of these Terms, the signed agreement will control to the extent of the stated conflict.

Unless a signed agreement provides otherwise, the applicable order of precedence is: a signed enterprise agreement or order form; the Data Processing Agreement for personal-data processing matters; these Terms; feature-specific terms; and policies incorporated by reference.

Additional terms apply only to the feature, plan, service, or transaction to which they relate.

KOMERRA provides technology designed to help businesses organize and manage activities such as customer and lead management, order capture, conversation analysis, inventory records, business documents, reminders, follow-ups, reports, analytics, staff access, communications, files, Mini Stores, Trust Passports, and AI-assisted workflows.

The Services may extract information from messages, images, documents, screenshots, audio, or voice notes and may suggest or prepare actions for review and approval.

The exact features available to you may depend on your country, plan, device, Account type, verification status, Workspace configuration, available Credits, third-party integrations, and product availability.

We may offer different features, limits, languages, currencies, integrations, and pricing arrangements in different locations or for different types of users.

Descriptions, demonstrations, screenshots, roadmaps, promotional materials, and previews are provided to explain expected functionality. They do not create a contractual commitment that every feature will be available at all times or in every configuration unless expressly agreed in writing.

KOMERRA is a technology and business-management platform. Unless expressly stated in a separate written agreement for a particular regulated service, KOMERRA is not the seller of products displayed by businesses, the merchant of record for Mini Store transactions, a bank, a deposit-taking institution, an escrow service, a courier, an insurer, an accountant, an auditor, a tax adviser, a lawyer, or a guarantor of a business or customer.

KOMERRA does not become a party to a transaction merely because the transaction, order, communication, document, payment instruction, or record was created, displayed, organized, or transmitted through the Services.

Businesses remain solely responsible for their products, services, customers, staff, prices, taxes, contractual commitments, statutory obligations, fulfilment, warranties, returns, refunds, complaints, and business decisions.

Business Customers remain responsible for evaluating a business, reviewing transaction terms, confirming payment details, retaining payment evidence, and exercising reasonable judgment before entering into a transaction.

You must provide complete, current, and accurate information when creating and maintaining an Account.

Registration information may include your name, email address, telephone number, business name, country, address, business-registration information, tax information, ownership information, and details of persons authorized to represent the business.

You must promptly update your Account and Workspace information when it changes.

You must not provide false, outdated, incomplete, forged, altered, stolen, misleading, or unauthorized information.

You must not create an Account using another person’s identity, impersonate another business, falsely claim authority, create a deceptive business profile, or misrepresent your relationship with a customer, regulator, payment provider, partner, or government authority.

You must not create multiple Accounts to evade restrictions, trial limits, Credit charges, verification requirements, enforcement action, or payment obligations.

KOMERRA may correct obvious formatting errors, standardize information, request supporting evidence, or restrict a feature until required Account information has been completed or verified.

The organization identified as the Workspace owner controls the Workspace and its Business Content, subject to applicable law and any separately agreed terms.

Where an employer, client, organization, or administrator provides you with access to a Workspace, that organization may administer your access, view activity performed within the Workspace, change your permissions, access or export Workspace information, remove your access, or request closure of the Workspace.

Authorized Users should not treat an organization-controlled Workspace as a private personal account.

If a dispute arises concerning Account or Workspace ownership, we may request evidence such as business-registration documents, authorization letters, ownership records, billing records, domain-control evidence, identity information, or other relevant materials.

While an ownership dispute is being reviewed, we may temporarily restrict administrative changes, exports, deletion requests, connected channels, or other sensitive functions.

KOMERRA may determine the appropriate Workspace controller based on the available evidence but does not act as a court or final adjudicator of corporate ownership disputes.

You may not sell, lease, sublicense, assign, or transfer an Account or Workspace without our prior written approval.

A merger, acquisition, sale of a business, change of control, change of directors, change of beneficial ownership, or transfer of a registered business name may require updated authorization documents and renewed verification.

KOMERRA may delay a requested transfer where necessary to protect Business Content, Business Customers, Authorized Users, billing information, security, or legal rights.

A transfer does not release the previous Account owner from obligations that arose before the transfer unless KOMERRA expressly agrees otherwise in writing.

You are responsible for protecting passwords, passkeys, authentication codes, recovery codes, security keys, devices, and other credentials associated with your Account.

You must use reasonable security measures appropriate to the sensitivity of the information within your Workspace. These measures should include secure passwords, individual user accounts, appropriate permissions, device protection, software updates, and multi-factor authentication where available.

You must not knowingly share one person’s login credentials among multiple individuals where individual Authorized User accounts are available.

You must promptly remove or restrict access for former employees, contractors, advisers, agents, or other persons who no longer require access.

You are responsible for activity performed through your Account or Workspace where the activity resulted from your failure to protect credentials, permissions, devices, or access methods, except to the extent caused by a security failure for which KOMERRA is legally responsible.

KOMERRA may maintain security logs, audit records, device information, access history, and risk indicators for authentication, fraud prevention, security investigation, service integrity, and legal compliance.

KOMERRA may provide multi-factor authentication, one-time codes, passkeys, fingerprint unlock, facial-recognition unlock, device authentication, or similar security features.

Where a device-based biometric feature is used, biometric matching may be performed locally by the device, browser, operating system, or authentication provider rather than by KOMERRA.

Availability and performance of biometric authentication depend on compatible hardware, software, browser capabilities, device settings, and third-party platform support.

Biometric or passkey authentication is an additional access-control method and does not eliminate the need to secure the underlying device, recovery credentials, email account, telephone number, and Workspace permissions.

You must not register another person’s biometric authentication, security key, passkey, or device as an authorized access method without lawful authority.

You must promptly notify KOMERRA if you suspect unauthorized Account access, credential compromise, fraudulent activity, unauthorized staff access, exposure of Business Content, manipulation of a connected channel, or another security incident affecting the Services.

Security reports may be sent to support@komerra.app unless a separate security-reporting address is published.

KOMERRA may temporarily restrict access, revoke sessions, require credential resets, disable integrations, block sensitive actions, request additional verification, or preserve relevant records while investigating a suspected security event.

You must reasonably cooperate with legitimate security investigations, including by providing relevant dates, devices, users, records, and other information available to you.

You must not publicly disclose a suspected platform vulnerability in a way that creates an avoidable risk to users before giving KOMERRA a reasonable opportunity to investigate and address it.

The Workspace owner is responsible for deciding which persons may access the Workspace and what each Authorized User is permitted to do.

You must assign permissions according to each Authorized User’s genuine role, responsibilities, and need for access.

Workspace administrators may be able to invite or remove users, assign roles, view records, approve actions, change settings, manage billing, connect integrations, export Business Content, and request deletion of the Workspace.

You are responsible for appointing trustworthy administrators and periodically reviewing permissions.

KOMERRA may generally treat instructions submitted through a properly authenticated Account as authorized. We may delay or refuse an instruction where we reasonably suspect fraud, error, compromise, lack of authority, or a threat to another person’s rights.

The Workspace owner remains responsible for actions approved by its Authorized Users, including messages sent, records changed, payments recorded, documents issued, customers contacted, and permissions granted.

To protect users, customers, payment systems, connected providers, and the platform, KOMERRA may request or verify information relating to an individual or business.

Verification information may include email addresses, telephone numbers, identity documents, facial-verification results, proof of address, business-registration details, tax information, ownership or directorship information, bank-account information, and evidence of authority to represent an organization.

Verification requirements may differ according to country, business type, industry, risk level, feature, transaction, payment provider, connected service, or regulatory requirement.

You authorize KOMERRA and approved verification providers to compare submitted information with appropriate records, databases, issuing authorities, business registries, or other lawful sources where necessary and permitted.

You must not submit forged, altered, stolen, expired, misleading, or unauthorized verification information.

KOMERRA may request additional information, place a verification under review, reject an application, impose verification conditions, require periodic re-verification, or remove a verification status where the underlying information becomes inaccurate, outdated, disputed, or unreliable.

Failure or refusal to complete a required verification process may result in restricted access to affected features.

A Trust Passport, verification badge, verified status, registration indicator, or similar trust signal means only that specified information or checks were reviewed or confirmed at a particular time.

A Trust Passport or verification badge is not a government certification, financial guarantee, credit rating, professional licence, insurance guarantee, promise of future conduct, guarantee of product quality, guarantee of delivery, or endorsement by KOMERRA.

Displayed information may include business identity, registration status, profile information, verified contact details, platform activity, customer-facing policies, or other approved trust signals.

Businesses are responsible for ensuring that information displayed on their Trust Passport remains accurate and current.

KOMERRA may remove, amend, suspend, or qualify a Trust Passport or badge where information becomes inaccurate, verification expires, ownership changes, credible complaints arise, fraud is suspected, or the business breaches these Terms.

Business Customers must continue to exercise reasonable judgment and independently assess material transaction risks even where a Trust Passport or verification badge is displayed.

As between you and KOMERRA, you retain the rights that you lawfully hold in Business Content submitted to your Workspace.

These Terms do not transfer ownership of your original business records, customer lists, product images, logos, messages, documents, or other Business Content to KOMERRA.

You represent that you have the rights, permissions, authority, and lawful basis necessary to submit and use Business Content through the Services.

You must not upload, import, process, publish, or transmit Business Content that infringes another person’s intellectual-property, privacy, confidentiality, contractual, or other legal rights.

You grant KOMERRA a non-exclusive, worldwide, limited, and revocable licence to host, copy, process, transmit, display, convert, index, classify, secure, and otherwise use Business Content only as reasonably necessary to provide, maintain, protect, support, and improve the Services in accordance with these Terms, the Privacy Policy, and applicable agreements.

This permission allows KOMERRA to perform requested actions, synchronize connected services, generate documents, process communications, provide AI-assisted features, maintain backups, investigate errors, prevent fraud, respond to support requests, comply with law, and protect the platform.

This licence does not permit KOMERRA to publicly sell, publish, or disclose identifiable Business Content for unrelated advertising purposes.

The licence ends when the relevant Business Content is deleted from active systems, subject to legitimate retention requirements, backups, security records, fraud prevention, legal obligations, dispute preservation, and applicable policies.

You remain responsible for the legality, accuracy, completeness, authenticity, relevance, and appropriate use of information that you or your Authorized Users enter, import, upload, approve, generate, communicate, export, or rely upon.

KOMERRA does not independently audit every customer record, order, payment entry, inventory quantity, staff record, business document, or communication.

You must review important records and correct errors promptly after discovering them.

You must not knowingly create, maintain, issue, or use false, deceptive, backdated, manipulated, or misleading business records.

You remain responsible for deciding whether records created through KOMERRA satisfy your accounting, tax, employment, consumer, evidential, regulatory, or industry-specific obligations.

KOMERRA is not your sole statutory archive, accounting ledger, tax system, evidence repository, or disaster-recovery system unless expressly agreed in writing.

Before entering customer, employee, contractor, supplier, or other personal information into KOMERRA, you must ensure that you have an appropriate lawful basis and legitimate business purpose for doing so.

You are responsible for providing required privacy notices, obtaining required permissions or consents, limiting information to what is relevant, maintaining accuracy, applying appropriate access controls, and responding to lawful requests concerning the information.

You must not collect or retain personal information merely because the platform allows a field, upload, note, or record to be created.

You must not use customer or staff information obtained through KOMERRA for unrelated marketing, profiling, sale, disclosure, or other incompatible purposes without a valid lawful basis.

You must respect valid opt-outs, objections, restrictions, deletion requests, correction requests, and other applicable rights.

You must exercise additional care when handling government identification numbers, identity documents, biometric information, bank information, authentication credentials, health information, precise location information, children’s information, or other sensitive data.

Sensitive information should only be submitted where the feature specifically requests it, the processing is necessary, an appropriate lawful basis exists, required notices have been provided, and suitable safeguards are in place.

You must not place passwords, payment-card security codes, private cryptographic keys, full banking credentials, or other authentication secrets in ordinary notes, messages, descriptions, or upload fields.

You must not use KOMERRA as a repository for information that applicable law, a contractual obligation, or an industry rule prohibits you from placing in the Services.

KOMERRA may remove, quarantine, restrict, or require deletion of information that creates a material legal, privacy, security, or platform-integrity risk.

Our collection and use of personal information for Account administration, security, billing, support, verification, communications, and platform operations are described in the KOMERRA Privacy Policy.

For personal information concerning your customers, employees, suppliers, and other persons that you place in a Workspace, your business will generally act as the data controller or equivalent responsible party, while KOMERRA will generally process the information on your instructions.

The precise data-protection role of each party may depend on the feature, processing purpose, information involved, and applicable law.

KOMERRA may act as an independent data controller for processing necessary to create and administer Accounts, manage Credits and payments, secure the Services, detect abuse or fraud, provide support, maintain legal records, communicate service notices, comply with law, and establish, exercise, or defend legal claims.

Where required, the KOMERRA Data Processing Agreement forms part of these Terms and describes processing instructions, confidentiality, security measures, subprocessors, data-subject assistance, incident cooperation, international transfers, return and deletion, and compliance information.

Where a person contacts KOMERRA concerning information controlled by your business, we may refer the person to you or reasonably assist you in responding.

The Services may rely on infrastructure, subprocessors, service providers, and technical systems located in Nigeria or other countries.

Business Content and related information may therefore be processed or stored outside the country in which you or a Business Customer is located, subject to applicable data-protection requirements and the safeguards described in our Privacy Policy or Data Processing Agreement.

You are responsible for determining whether your use of the Services is subject to localization, sector-specific hosting, professional-secrecy, government-record, financial-record, or other data-location restrictions.

Where a specific hosting region, residency arrangement, or transfer mechanism is commercially required, it must be expressly agreed in writing.

You are responsible for determining which records your business must retain, how long they must be retained, whether electronic copies are sufficient, and whether additional copies or backups are required.

KOMERRA may provide export tools for certain Business Content. Export availability, format, completeness, and processing time may depend on the feature, volume of information, Account status, and applicable plan.

You should periodically export or separately back up records that are critical to your business, legal obligations, customer relationships, accounting, or disaster recovery.

KOMERRA does not guarantee that every derived insight, temporary file, system log, deleted item, AI intermediate result, or third-party integration record will be included in an export.

You should complete required exports before requesting Workspace closure or allowing an Account to become inaccessible.

KOMERRA may use artificial intelligence, machine learning, rules-based processing, optical character recognition, speech processing, translation systems, and language models to help organize and manage business activity.

AI-assisted features may extract details from messages, documents, images, screenshots, or voice notes; identify possible leads, orders, payments, complaints, or follow-ups; summarize conversations; classify business activity; suggest replies; prepare documents; identify trends; generate reports; and recommend actions.

The availability, model, provider, language support, accuracy, latency, and functionality of an AI-assisted feature may change over time.

An AI-assisted feature may rely on third-party model providers. Information required to perform the requested action may be securely transmitted to an approved provider in accordance with the Privacy Policy, Data Processing Agreement, and applicable configuration.

KOMERRA may apply filters, confidence thresholds, validation rules, usage limits, safety controls, human-review requirements, and other safeguards to AI-assisted features.

AI Output may be incomplete, inaccurate, outdated, misleading, duplicated, biased, inconsistent, or unsuitable for a particular purpose.

Errors may result from poor image or audio quality, unclear handwriting, ambiguous language, slang, abbreviations, mixed languages, missing context, inaccurate source information, third-party model limitations, incorrect business settings, or unusual transactions.

AI Output should be treated as assistance rather than an independently verified fact, instruction, commitment, or professional conclusion.

A confidence indicator, validation message, extraction preview, or confirmation screen is a risk-reduction safeguard and not a guarantee that the underlying Output is correct.

You must consider the original source material, surrounding context, business rules, customer communication, and other relevant evidence before relying on AI Output.

KOMERRA may display extracted details, warnings, confidence indicators, suggested actions, or confirmation screens before certain High-Impact Actions.

You remain responsible for reviewing and confirming customer identity, recipient details, product or service, quantity, price, discount, tax, payment status, delivery details, bank information, message content, document content, and other material information.

You must not approve an action merely because KOMERRA suggested it or displayed a high-confidence result.

Where an Authorized User approves a High-Impact Action, the Workspace owner is responsible for that approval in accordance with the Authorized User’s assigned permissions.

You must maintain suitable internal controls for actions that require managerial, financial, legal, customer-service, or compliance approval.

Some workflows may allow you to authorize automatic, conditional, recurring, or scheduled actions.

By enabling such a workflow, you instruct KOMERRA to perform actions according to the rules, permissions, schedules, thresholds, and settings you select.

You are responsible for configuring the workflow correctly, selecting appropriate approval thresholds, reviewing recipients and permissions, maintaining sufficient Credits, monitoring results, and disabling the workflow when it is no longer appropriate.

An automated action may not be completed where information is missing, Credits are insufficient, a connected provider is unavailable, a safety check fails, an Account is restricted, or additional confirmation is required.

You must not configure an automated workflow in a way that unlawfully removes meaningful human review from a decision that could significantly affect an individual.

KOMERRA and its Output do not provide legal, tax, accounting, financial, investment, medical, employment, insurance, regulatory, or other licensed professional advice.

You should obtain advice from a suitably qualified professional where your circumstances require professional judgment or where an error could create a significant legal, financial, health, employment, or regulatory consequence.

You must not use AI Output as the sole basis for a decision that could have a significant legal or similarly serious effect on an individual, including decisions concerning employment, access to essential services, credit, insurance, legal rights, or regulatory status, unless the use is lawful and appropriate safeguards and meaningful human review are provided.

KOMERRA does not guarantee that an Output, report, classification, reminder, forecast, or recommendation complies with every law, accounting standard, tax rule, contract, policy, or professional requirement applicable to your business.

To the extent permitted by law and as between you and KOMERRA, KOMERRA does not claim ownership of Output generated specifically in response to your lawful use of the Services.

Your use of Output remains subject to these Terms, applicable law, third-party rights, the accuracy limitations described in these Terms, and any restrictions applying to the underlying Business Content.

Due to the nature of generative systems, the same or similar Output may be produced for other users. KOMERRA does not guarantee that Output is unique.

You are responsible for reviewing Output for confidential information, personal information, intellectual-property issues, misleading claims, prohibited content, and suitability before publishing, communicating, or commercially using it.

You must not represent AI-generated content as independently verified, professionally certified, government-approved, or produced by a human where that representation would be false or misleading.

KOMERRA may help prepare invoices, quotations, estimates, receipts, delivery notes, order summaries, statements, reports, customer communications, and other business documents using information in your Workspace.

Before issuing or relying on a document, you must verify the business name, registration information, contact information, customer information, document number, date, product or service description, quantity, price, discount, tax, bank details, payment status, delivery information, and required legal disclosures.

A document generated through KOMERRA does not independently prove that a transaction occurred, money was transferred, goods were delivered, services were completed, or a debt is legally enforceable.

You may only issue a document as a payment receipt where payment has actually been received or where the document clearly states its provisional, pending, unverified, or conditional status.

You must not issue a quotation, invoice, receipt, delivery note, or other document that is false, misleading, fraudulent, unlawfully backdated, or intended to conceal the true nature of a transaction.

KOMERRA may provide document templates and formatting assistance but does not guarantee that a template satisfies every legal, tax, accounting, industry, or customer requirement applicable to you.

You remain responsible for determining whether you must register for, charge, collect, account for, report, or remit any tax, levy, duty, withholding, or other government charge.

You are responsible for the accuracy of tax rates, tax identifiers, classifications, exemptions, calculations, filings, remittances, and legally required invoice content.

Reports and financial summaries produced by KOMERRA are management tools based on available Workspace information and are not audited financial statements.

You should reconcile KOMERRA records against your bank, payment provider, accounting system, inventory, receipts, and other authoritative records.

KOMERRA is not responsible for tax, accounting, or financial errors resulting from incomplete records, incorrect configuration, unreviewed Output, or information supplied by you or your Authorized Users.

The Mini Store allows a business to display products or services, collect customer details, receive orders, communicate checkout information, receive payment evidence, and manage fulfilment-related activity.

The business operating a Mini Store is the seller or service provider in relation to products or services displayed through that Mini Store.

Unless expressly stated otherwise, KOMERRA provides the technology supporting the Mini Store and is not the seller, supplier, manufacturer, importer, distributor, merchant of record, delivery provider, or contracting party in the underlying transaction.

The business is responsible for ensuring that its Mini Store, products, services, customer communications, transactions, and fulfilment comply with applicable law.

KOMERRA may provide customer-facing interfaces, order records, notifications, support pathways, or dispute-reporting tools without becoming a party to the transaction.

Businesses must ensure that Mini Store listings are complete, current, accurate, and not misleading.

A listing should clearly disclose material information such as the identity of the seller, product or service description, price, currency, applicable charges, availability, material specifications, delivery or collection terms, cancellation or return conditions, warranty information, and important health, safety, or usage warnings.

Images must fairly represent the listed product or service. A business must not use stolen images, manipulated images, undisclosed substitutes, or images that materially misrepresent quality, quantity, size, condition, or availability.

Businesses must promptly update or remove listings that are unavailable, incorrectly priced, unlawful, unsafe, recalled, misleading, or no longer supplied.

KOMERRA may correct display errors, request additional information, remove a listing, restrict publication, or suspend a Mini Store where we reasonably believe the listing creates legal, safety, security, consumer-protection, intellectual-property, or reputational risk.

A Mini Store must not be used to offer unlawful products or services, counterfeit or stolen goods, infringing materials, fraudulent documents, deceptive schemes, unsafe products, exploitative services, or products requiring a licence where the seller does not hold the required licence.

Businesses must comply with the KOMERRA Acceptable Use Policy and any category-specific restrictions communicated through the Services.

KOMERRA may restrict categories that create an unacceptable risk even where a product may be lawful in a particular location.

The availability of a listing field, product category, payment instruction, or publication tool does not mean that KOMERRA has approved the legality or suitability of the listed item.

A Business Customer may be permitted to create an account, provide contact or delivery information, place an order, save preferences, view order status, communicate with a business, or upload payment evidence.

The relevant business is responsible for using customer information only for legitimate and lawful purposes connected with the customer relationship, unless another lawful basis applies.

Businesses must not sell, disclose, misuse, or retain customer information merely because the information was collected through a Mini Store.

Business Customers are responsible for providing accurate contact, delivery, order, and payment-related information.

A business may contact a Business Customer about an order, delivery, service issue, payment clarification, or other legitimate transaction matter, subject to applicable communication and privacy requirements.

Submitting an order through a Mini Store records the customer’s requested transaction. It does not automatically guarantee that the business will accept, fulfil, or deliver the order unless the business clearly represents otherwise or applicable law requires it.

The business should promptly accept, reject, cancel, or request clarification of an order.

The business is responsible for confirming availability, final price, quantity, specifications, delivery charges, taxes, fulfilment timing, and any conditions before accepting an order.

KOMERRA may display statuses such as pending, awaiting payment, payment under review, confirmed, processing, ready, dispatched, delivered, cancelled, or refunded. These statuses depend on information supplied or approved by the business and are not independently guaranteed by KOMERRA.

Businesses must not mark an order as paid, completed, delivered, refunded, or otherwise resolved where that status is knowingly false or misleading.

Where checkout displays a business bank account, transfer instruction, payment link, or other payment destination, the Business Customer pays the business or designated payment provider directly.

Unless KOMERRA expressly states otherwise for a separately regulated feature, KOMERRA does not receive, hold, safeguard, settle, or control the Business Customer’s payment for the underlying Mini Store transaction.

KOMERRA does not act as escrow and does not guarantee that a payment will be sent, received, settled, reversible, refundable, or properly associated with an order.

The business is responsible for the accuracy, ownership, authorization, and security of payment details displayed to customers.

A Business Customer should verify that payment details correspond to the intended business before sending money.

The business must independently confirm settlement through its bank, payment provider, or other authoritative financial record before releasing goods, commencing irreversible work, issuing a final receipt, or marking an order as paid.

A Business Customer may be permitted to upload a bank receipt, transfer confirmation, screenshot, teller, payment-provider record, or other evidence of payment.

Uploaded payment evidence does not independently prove that the document is authentic, that a transfer was completed, that funds settled, that the amount was correct, that the payment came from the named customer, or that the payment cannot later be reversed.

Businesses must verify payment through their own bank or authorized payment provider before treating an upload as final proof of settlement.

Users must not upload forged, altered, recycled, stolen, manipulated, or misleading payment evidence.

KOMERRA may preserve relevant records, restrict Accounts, flag suspicious activity, and cooperate with affected businesses, payment providers, regulators, courts, or lawful authorities where payment fraud is reasonably suspected.

KOMERRA may provide automated extraction or matching of payment evidence, but the resulting Output remains subject to review and independent payment confirmation.

The business is responsible for selecting delivery or fulfilment providers, setting delivery terms, communicating timelines, packaging products, providing accurate addresses to authorized delivery providers, and managing loss, delay, damage, collection, failed delivery, and returns.

KOMERRA does not guarantee that a seller will dispatch or deliver an order, that a delivery provider will perform correctly, or that a customer will be available to receive an order.

Estimated delivery dates, status updates, and tracking information may depend on information supplied by the business or a third-party delivery provider.

Businesses must not provide false delivery updates or mark an order as delivered without a reasonable basis.

Any allocation of delivery risk between a business and customer must comply with applicable law and the terms disclosed during the transaction.

The business operating a Mini Store is responsible for its return, cancellation, refund, exchange, repair, replacement, and warranty obligations to Business Customers.

Businesses must clearly communicate material restrictions before the customer completes the transaction and must not use terms that unlawfully remove mandatory customer rights.

KOMERRA may provide communication, complaint, evidence-upload, or status-tracking tools through which a Business Customer may contact a business or report a concern.

Providing these tools does not make KOMERRA responsible for resolving every underlying transaction dispute.

KOMERRA may take platform-level action where there is credible evidence of fraud, repeated non-delivery, prohibited listings, abusive conduct, systematic misrepresentation, unlawful refusal of customer rights, or another breach of these Terms.

Platform enforcement does not determine the final legal rights of the business or customer and does not prevent either party from using lawful complaint, mediation, regulatory, or court procedures.

KOMERRA may connect with services such as WhatsApp, Instagram, Facebook Messenger, email, SMS, payment platforms, cloud-storage providers, commerce tools, and other communication or business systems.

By connecting an account or channel, you confirm that you own or are authorized to control it, may lawfully permit KOMERRA to access the relevant information, and are not violating another agreement by enabling the connection.

You authorize KOMERRA to receive, process, organize, transmit, and synchronize the minimum information reasonably necessary to provide the connected workflow.

You are responsible for reviewing channel permissions, connected-account settings, templates, recipients, automated actions, and provider requirements.

Disconnecting an integration may stop future synchronization but may not automatically delete information already lawfully imported into your Workspace.

You are responsible for ensuring that communications sent through KOMERRA have an appropriate lawful basis, are sent to the correct recipient, are not deceptive, comply with applicable marketing and communication rules, respect opt-out requests, and do not constitute harassment or abuse.

You must review recipient information and message content before approving a communication, particularly where the message concerns payment, debt, delivery, contractual commitments, complaints, refunds, sensitive information, or legal rights.

KOMERRA is not responsible for a message sent to an incorrect recipient where the error resulted from inaccurate user records, user approval, an incorrect import, an Authorized User’s action, or Workspace configuration.

You must not use customer contact information to send unsolicited, excessive, deceptive, prohibited, or unrelated communications.

Where a customer withdraws consent, opts out, objects, or requests that marketing stop, you must respect the request where required.

Connected communication providers may impose their own account requirements, message-template rules, content restrictions, consent standards, rate limits, verification processes, charges, and acceptable-use policies.

A provider may reject or delay a message, suspend a connected account, limit a template, change an API, restrict a category, or withdraw access.

KOMERRA does not control independent provider decisions and cannot guarantee continued access to a particular provider, channel, message type, or delivery route.

You remain responsible for complying with the terms of each connected provider that applies to you.

Some Services depend on third parties providing AI models, hosting, cloud storage, identity verification, payment processing, messaging, email delivery, analytics, mapping, security, or other infrastructure.

Third-party availability, performance, account requirements, technical limitations, pricing, geographic coverage, and terms may affect the Services.

You may be required to create or maintain a separate third-party account, accept third-party terms, complete third-party verification, maintain a valid payment arrangement, or obtain an appropriate licence.

KOMERRA does not claim that a provider or integration is available in every country, currency, language, industry, device, network, or account configuration.

We may replace, restrict, suspend, or discontinue an integration where a provider changes or withdraws access, continued use creates legal or security risk, required commercial terms become unsustainable, functionality becomes unreliable, or a suitable replacement becomes available.

Where reasonably practicable, we will provide notice of a material integration change that significantly affects paid use.

The Services may display or provide access to third-party websites, services, content, documentation, or resources.

Third-party links are provided for convenience or functionality and do not necessarily constitute endorsement, ownership, control, or approval by KOMERRA.

Your use of a third-party website or service is governed by the third party’s terms and privacy practices.

KOMERRA is not responsible for third-party content, independent representations, security practices, availability, or transactions outside the Services, except to the extent applicable law provides otherwise.

Certain completed actions may consume KOMERRA Credits. Chargeable actions may include designated AI actions, document generation, communication actions, extraction processes, automations, or other features identified in the relevant pricing or billing interface.

The number of Credits required for an action may depend on the type of action, volume of information, model used, connected provider, country, plan, or other disclosed pricing factor.

KOMERRA will display current Credit prices, bundle contents, material restrictions, and chargeable actions before purchase or within the relevant Pricing and Billing surfaces.

You are responsible for reviewing the applicable Credit cost before approving or enabling a chargeable action.

KOMERRA may update Credit pricing or the Credit cost of future actions. Changes will apply prospectively and will not retroactively alter a completed purchase except to correct an obvious error or as permitted by law.

Credits are contractual service units that may be used to access designated KOMERRA functionality.

Credits are not legal tender, electronic money, a bank deposit, stored monetary value, an investment, a savings product, an interest-bearing balance, or a claim against safeguarded customer funds.

Credits cannot be withdrawn as cash, redeemed outside KOMERRA, transferred to an external person, pledged, sold, or exchanged except where KOMERRA expressly permits an internal Workspace transfer.

The purchase or allocation of Credits does not create a bank, trust, fiduciary, escrow, or investment relationship between you and KOMERRA.

Credit purchases may be processed through available third-party payment providers.

Credits will be added to your Workspace only after KOMERRA receives reliable server-side confirmation that the payment was successful or otherwise verifies the transaction through an authorized process.

A screenshot, browser message, email, customer receipt, debit alert, or payment-evidence upload alone may not be treated as final payment confirmation.

A payment may be delayed, rejected, duplicated, reversed, charged back, or placed under review by a bank, card network, payment provider, or financial institution.

KOMERRA is not responsible for delays caused solely by an independent payment provider, but we will reasonably assist with investigating a properly documented payment discrepancy.

Your bank, card issuer, payment provider, or currency-conversion provider may impose separate charges, exchange rates, limits, or verification requirements for which KOMERRA is not responsible.

Credits may be deducted when a designated chargeable action is successfully completed, accepted for processing, or otherwise reaches the chargeable stage described in the applicable interface.

An action may fail, remain pending, or not be performed where the Workspace has insufficient Credits, required information is missing, a provider is unavailable, a safety check fails, a limit is reached, or the Account is restricted.

You are responsible for maintaining sufficient Credits for scheduled, recurring, or automatic actions.

Where Credits are deducted because of a confirmed KOMERRA technical failure and the intended chargeable action was not completed or accepted by a relevant provider, KOMERRA may restore the affected Credits after investigation.

Credit restoration may not be available where the action was successfully completed, a connected provider accepted the action, the failure resulted from incorrect user information, the user cancelled after processing began, or abuse or manipulation is reasonably suspected.

A Credit restoration corrects the service balance and does not necessarily create a right to a cash refund.

Where a payment used to purchase Credits is reversed, charged back, cancelled, found to be unauthorized, or not finally settled, KOMERRA may remove or place a hold on the corresponding Credits.

Where affected Credits have already been used, KOMERRA may restrict additional chargeable actions, request repayment, offset an equivalent Credit balance, or suspend the Account while the payment is investigated.

You must not initiate a dishonest or abusive chargeback for a valid, accurately described, and properly delivered purchase.

Nothing in these Terms prevents you from raising a genuine billing inquiry, disputing an unauthorized transaction, exercising a mandatory legal right, or submitting a lawful complaint.

KOMERRA may provide relevant transaction records to payment providers, financial institutions, or lawful authorities when responding to a payment dispute.

Purchased Credits will not expire unless an expiration rule is clearly disclosed before purchase or forms part of a specific plan accepted by you.

Promotional, trial, referral, bonus, compensation, or gifted Credits may have a separate validity period displayed when they are granted.

Credits may be subject to Workspace-level restrictions and may not be available after the relevant Workspace is deleted, permanently closed, or terminated for serious misconduct, subject to applicable law and the Refund and Cancellation Policy.

A displayed Credit balance may be corrected where it results from fraud, duplicate allocation, payment reversal, technical error, administrative error, or misuse.

KOMERRA will maintain appropriate internal records of Credit purchases, deductions, restorations, and adjustments.

KOMERRA offers subscription plans and recurring billing for defined software access. Included usage is governed by the selected plan; eligible metered work or separately purchased Credits may be offered in addition to that access.

The applicable billing period, renewal terms, included features, cancellation process, taxes, and recurring amount will be displayed before purchase.

By activating a recurring plan, you authorize the applicable payment provider to process recurring charges until the plan is cancelled or otherwise ends.

You must cancel a recurring plan through the available billing controls or support process before the next renewal date to avoid the next scheduled charge, subject to applicable law.

Failure of a recurring payment may result in plan downgrade, restricted functionality, loss of included benefits, or suspension of paid features after appropriate notice.

KOMERRA may provide free trials, introductory actions, promotional Credits, referral rewards, discounts, or gifted Credits. Referral participation is also governed by the Merchant Referral Programme Terms published at /referral-program-terms.

Unless otherwise stated, promotional benefits have no cash value, cannot be transferred, may expire, may be limited to one eligible person or business, and may depend on country, Account history, verification status, plan, programme version, or successful completion of anti-abuse review.

A referral reward is conditional until KOMERRA has confirmed the qualifying event and any applicable reward hold or review has cleared. Registration, an attempted payment, or an unverified transaction does not create an unconditional entitlement.

You must not self-refer, create duplicate or synthetic businesses, provide false referral information, conceal common ownership or control, manipulate usage, coordinate sham transactions, create referral rings, or use another person, account, device, payment method, or business merely to manufacture referral eligibility.

KOMERRA may withhold, delay, invalidate, reverse, correct, claw back, offset, or cancel a promotional or referral benefit where fraud, duplication, ineligibility, manipulation, refund or reversal abuse, technical error, or administrative error is reasonably identified. Serious or repeated deliberate abuse may also result in referral restrictions, feature restrictions, Account suspension, or termination subject to applicable law.

Automated risk indicators may be used to hold a reward or route it for review, but a risk indicator alone is not necessarily a final finding of fraud. Where a referral enforcement decision is disputed, the Account holder may request review through the process described in the applicable policy or programme terms.

Ending or changing a promotion or referral programme will not retroactively alter a benefit already validly earned under its captured programme version except where the applicable terms permit correction or reversal because of misuse, ineligibility, refund, reversal, or error.

Prices will be displayed in the applicable Pricing, Billing, checkout, or purchase interface.

Prices may vary by country, currency, plan, provider cost, applicable tax, feature, transaction volume, or commercial agreement.

The applicable interface will indicate whether a price includes or excludes taxes where required.

You are responsible for providing accurate billing, location, and tax information.

KOMERRA may collect taxes where required and may request information reasonably necessary to determine the correct tax treatment.

You remain responsible for taxes, charges, or reporting obligations that apply to your business and are not collected by KOMERRA.

Refund and cancellation eligibility is governed by the KOMERRA Refund and Cancellation Policy and applicable law.

Relevant factors may include whether Credits were used, whether the requested action was completed, whether a duplicate payment occurred, whether the payment was unauthorized, whether a confirmed technical failure occurred, whether the purchase was accurately described, and whether applicable law provides a cancellation or refund right.

Used Credits and successfully completed chargeable actions are generally non-refundable except where applicable law, the Refund and Cancellation Policy, or a written commercial agreement provides otherwise.

Promotional, trial, bonus, and gifted Credits are not refundable for cash.

Approved refunds will ordinarily be returned through the original payment route where reasonably possible, subject to provider rules, identity checks, fraud prevention, and applicable law.

Nothing in these Terms removes a refund, cancellation right, warranty, remedy, or consumer protection that cannot lawfully be excluded.

You must comply with the KOMERRA Acceptable Use Policy and all applicable laws when using the Services.

You must not use the Services to violate law, impersonate another person or business, defraud a customer or provider, upload unlawful or infringing material, harass or exploit another person, send prohibited communications, evade billing controls, bypass security safeguards, or materially interfere with the Services.

You must not introduce malware, malicious code, destructive instructions, unauthorized automation, or content designed to compromise an Account, device, provider, customer, or platform system.

You must not access or test non-public systems, data, Accounts, permissions, or vulnerabilities without express written authorization.

You must not scrape, harvest, crawl, index, copy, or extract platform information through unauthorized automated means.

You must not reverse engineer, decompile, disassemble, reproduce, modify, sell, lease, sublicense, resell, or create a competing service from the Services except where expressly permitted in writing or where applicable law does not allow the restriction.

You must not create false reviews, fake customers, fabricated transactions, misleading verification evidence, false payment records, or deceptive Trust Passport activity.

You must not use the Services to train, benchmark, replicate, or operate a competing service through unauthorized access to KOMERRA software, Outputs, data structures, interfaces, or documentation.

KOMERRA may use automated systems, manual review, security controls, behavioural indicators, provider information, reports, and other lawful measures to identify suspected fraud, abuse, spam, account compromise, prohibited activity, or manipulation.

A risk indicator does not necessarily prove wrongdoing. KOMERRA may request clarification or additional evidence before making a final enforcement decision where appropriate.

You must not attempt to conceal, disguise, fragment, reroute, or mischaracterize activity in order to avoid monitoring, limits, verification, pricing, suspension, or enforcement.

You must not assist another person in violating these Terms or provide access to an Account for a prohibited purpose.

KOMERRA may preserve evidence and cooperate with payment providers, affected users, regulators, courts, law-enforcement agencies, or other lawful authorities where reasonably required.

KOMERRA and its licensors own all rights, title, and interest in the Services, including software, source code, object code, databases, platform structure, user interfaces, visual design, workflows, business logic, documentation, trademarks, logos, branding, templates, analytics methods, and other original platform materials.

Except for the limited licence expressly granted by these Terms, no intellectual-property right is transferred to you.

The KOMERRA name, logo, product names, visual identity, and related marks may not be used without authorization in a manner that suggests endorsement, partnership, government affiliation, certification, or another relationship that does not exist.

You must not remove, obscure, alter, or bypass copyright notices, trademark notices, access controls, attribution, or proprietary markings contained in the Services.

Subject to these Terms and payment of applicable charges, KOMERRA grants you a limited, non-exclusive, revocable, non-sublicensable, and non-transferable right to access and use the Services for your authorized business purposes while your Account remains active.

The licence is limited to the features, users, locations, usage levels, and period permitted by your applicable plan or commercial agreement.

You may permit Authorized Users to use the Services on behalf of your organization, but you remain responsible for their compliance.

The licence ends when your Account or right to use the Services is suspended, terminated, or expires.

KOMERRA may provide document templates, policy layouts, communication templates, product-display structures, and other reusable materials.

Unless a template is expressly licensed under different terms, you may adapt and use the template as part of your lawful use of the Services for your own business.

You are responsible for reviewing and adapting templates to your business, jurisdiction, products, customers, and legal obligations.

The availability of a template does not mean that KOMERRA has provided legal advice or guaranteed that the template is suitable, complete, enforceable, or compliant for your circumstances.

Some components of the Services may include open-source or third-party software governed by separate licence terms.

The applicable open-source or third-party licence will govern the relevant component to the extent that it expressly conflicts with these Terms.

Nothing in these Terms restricts rights granted directly to you under an applicable open-source licence.

You may voluntarily provide suggestions, ideas, feature requests, error reports, or other feedback concerning the Services.

You grant KOMERRA a perpetual, worldwide, royalty-free, transferable, and sublicensable right to use, reproduce, adapt, develop, commercialize, and incorporate that feedback into the Services without payment or obligation to you.

KOMERRA will not publicly identify you as the source of feedback without permission, except where required by law.

You should not submit feedback that you are not authorized to disclose or that is subject to another person’s confidentiality or intellectual-property rights.

If you believe content made available through KOMERRA infringes your intellectual-property rights, you may submit a complaint to support@komerra.app.

A complaint should identify the protected work, the allegedly infringing content, the location of the content, the basis of your rights, your contact information, and a statement that the complaint is accurate and submitted in good faith.

KOMERRA may request supporting information and may remove or restrict content while reviewing a credible complaint.

We may provide relevant complaint information to the affected user where appropriate to allow a response.

You must not knowingly submit a false, misleading, abusive, or fraudulent infringement notice.

Each party may receive non-public information belonging to the other party, including business plans, customer information, technical information, pricing arrangements, security information, trade secrets, and non-public product information.

Each party must use the other party’s confidential information only for the purposes of the relationship, protect it using reasonable care, and disclose it only to persons who need the information and are subject to appropriate confidentiality obligations.

Confidential information does not include information that the receiving party can demonstrate was already lawfully known, became public without breach, was independently developed without use of the confidential information, was lawfully received from another source, or was approved for release.

A party may disclose confidential information where required by law, court order, regulatory request, or another binding legal process.

Where legally permitted and reasonably practicable, the receiving party should provide notice before a required disclosure and cooperate with lawful efforts to limit unnecessary disclosure.

KOMERRA may create statistical, aggregated, anonymized, or de-identified information derived from use of the Services, provided that the resulting information does not reasonably identify you, your Authorized Users, or individual Business Customers.

KOMERRA may use such information to improve features, evaluate performance, identify usage trends, detect security risks, conduct capacity planning, develop benchmarks, and produce non-identifying business or industry insights.

KOMERRA will not publicly disclose identifiable Business Content under this clause.

KOMERRA will take reasonable measures designed to prevent de-identified information from being used to re-identify an individual where re-identification would be unlawful or inconsistent with the purpose of the processing.

KOMERRA aims to provide reliable and secure Services but does not guarantee uninterrupted, continuous, timely, or error-free operation.

Availability may be affected by scheduled maintenance, emergency security work, software defects, capacity limits, network conditions, device failures, internet or power outages, cyberattacks, third-party incidents, provider restrictions, government actions, and events beyond reasonable control.

Features that depend on third-party providers may become unavailable even where the rest of KOMERRA remains operational.

You are responsible for maintaining reasonable business-continuity procedures, alternative communication methods, backups, and manual processes for critical operations.

Temporary unavailability does not automatically entitle you to compensation, a refund, or service credit unless applicable law, the Refund and Cancellation Policy, your plan, or a written service-level agreement provides otherwise.

KOMERRA may perform scheduled or emergency maintenance to protect security, reliability, performance, compliance, or functionality.

Where reasonably practicable, we will provide advance notice of maintenance expected to materially affect access.

Support channels, hours, priority, response targets, and available assistance may vary by plan.

Unless a signed service-level agreement expressly states otherwise, estimated response or resolution times are operational targets and not guaranteed deadlines.

Support does not include professional legal, tax, accounting, business-management, information-security, or regulatory advice.

You must provide accurate and sufficient information when requesting support and must not submit abusive, misleading, or fraudulent support requests.

KOMERRA may add, improve, modify, replace, limit, or remove features to improve functionality, security, compliance, user experience, sustainability, or compatibility.

Where a change materially reduces a core paid feature during an existing paid period, KOMERRA will, where reasonably possible, provide advance notice, a substantially similar alternative, a transition period, or another remedy required by law or an applicable commercial agreement.

KOMERRA may make an immediate change where necessary to address a security vulnerability, prevent fraud or abuse, comply with law, respond to a provider restriction, protect users, or prevent material harm.

Product roadmaps, future-feature statements, mock-ups, demonstrations, and release targets are subject to change and do not create a binding delivery commitment unless expressly included in a signed agreement.

Features marked as beta, preview, experimental, early access, pilot, test, or similar may contain errors, change without notice, have limited support, impose additional restrictions, or be discontinued.

You should not rely on an experimental feature for critical legal, financial, customer, security, or operational activity without appropriate review, backups, and alternative procedures.

KOMERRA may collect additional technical and usage feedback concerning experimental features in accordance with the Privacy Policy.

Access to an experimental feature may be withdrawn at any time and does not guarantee that the feature will become generally available.

KOMERRA may restrict, suspend, or disable some or all access where reasonably necessary to address a material breach, suspected fraud, unauthorized access, security risk, unlawful use, prohibited content, non-payment, payment reversal, provider-policy violation, abusive conduct, risk to customers, a lawful government request, or conduct likely to materially damage the platform.

Where appropriate, KOMERRA may apply a limited restriction instead of suspending the entire Account. A restriction may apply to a connected channel, Mini Store, listing, Authorized User, verification status, export, billing function, automated workflow, or chargeable action.

Where practical, lawful, and safe, KOMERRA will explain the general reason for a restriction, identify steps that may resolve the issue, and provide a method to request review.

KOMERRA may withhold details that would compromise an investigation, reveal security controls, prejudice another person’s rights, or violate law.

KOMERRA may act without advance notice where delay could increase fraud, security risk, legal exposure, loss, or harm to another person.

Suspension does not remove obligations or liabilities that arose before the suspension.

You may stop using KOMERRA and request Account or Workspace closure through the available settings or support process.

Before requesting closure, you should export records that you are legally or operationally required to retain, remove or transfer Authorized Users where appropriate, disconnect integrations, and resolve outstanding billing or customer matters.

You remain responsible for charges, transactions, communications, obligations, disputes, and liabilities incurred before closure.

A closure request may require identity, ownership, or administrator verification to protect the Workspace and Business Content.

KOMERRA may delay a closure or deletion request to the extent reasonably necessary to investigate fraud, preserve evidence, comply with law, protect another person’s rights, or resolve a genuine ownership dispute.

KOMERRA may terminate an Account or Workspace where a serious or repeated breach occurs, continued use is unlawful, the Account is used for fraud or abuse, required verification is refused or fails, fees remain unpaid after reasonable notice, the Account creates a material security risk, or the relevant Services are discontinued.

Where the issue can reasonably be corrected without creating material risk, KOMERRA may provide an opportunity to correct it before termination.

KOMERRA may terminate immediately where the conduct is fraudulent, dangerous, deliberately abusive, seriously unlawful, or likely to cause material harm.

Termination of one Workspace does not necessarily terminate another Workspace controlled by the same user unless the relevant risk or breach affects both.

Deletion and retention after closure or termination are governed by the KOMERRA Privacy Policy, Account Deletion Policy, Data Retention Policy, Data Processing Agreement, and applicable law.

Where reasonably available and legally permitted, you may export Business Content before closure or termination.

Export or access may be restricted where it would compromise another person’s rights, expose security information, interfere with an investigation, violate a legal restriction, disclose information belonging to another Workspace, or create a material fraud risk.

Information may be retained where reasonably necessary for legal compliance, accounting and tax records, dispute resolution, fraud prevention, security investigation, enforcement of agreements, payment records, or backup-system integrity.

Deletion from active systems may not immediately remove information from securely maintained backups. Backup information will be isolated, protected, and removed or overwritten according to applicable retention procedures.

Treatment of unused purchased Credits following closure or termination is governed by the Refund and Cancellation Policy, the reason for closure, the nature of the Credits, and applicable law.

Promotional, trial, bonus, referral, and gifted Credits are not refundable for cash.

Where an Account is terminated for confirmed fraud, deliberate abuse, payment reversal, or serious unlawful conduct, Credits may be restricted, reversed, or forfeited to the extent permitted by law.

Where KOMERRA permanently discontinues a paid Service and you cannot reasonably use remaining purchased Credits for another available Service, KOMERRA will provide an appropriate remedy consistent with the Refund and Cancellation Policy and applicable law.

You may submit a complaint through the support contact identified in these Terms.

A complaint should include your name, Account email, affected Workspace or business, a clear description of the issue, relevant dates, order or transaction references, supporting evidence, and the remedy requested.

KOMERRA may request additional information before completing an investigation.

Customer complaints concerning a Mini Store purchase may be referred to the relevant business. KOMERRA may separately investigate whether the business has breached platform rules.

You must not threaten, harass, impersonate, or submit knowingly false information during a complaint or support process.

Submitting a complaint does not prevent either party from using another lawful remedy, regulator, mediation process, or court procedure.

KOMERRA will provide the Services with reasonable care and skill, subject to these Terms and applicable law.

KOMERRA does not guarantee increased revenue, successful sales, customer payment, debt recovery, customer retention, delivery performance, regulatory compliance, fraud prevention, uninterrupted availability, error-free AI Output, or any particular commercial result.

KOMERRA does not independently guarantee the identity, honesty, solvency, reliability, products, services, or future conduct of a business, customer, supplier, staff member, delivery provider, or connected provider.

A verification badge, Trust Passport, platform profile, transaction record, generated document, payment-evidence upload, analytics report, or AI classification does not create an independent guarantee by KOMERRA.

KOMERRA is not responsible for losses caused primarily by inaccurate, incomplete, outdated, unauthorized, or misleading information supplied by you, your Authorized Users, Business Customers, or third parties.

KOMERRA is not responsible for independent acts, omissions, representations, terms, charges, restrictions, or failures of third-party providers outside our reasonable control.

Nothing in these Terms excludes a warranty, right, obligation, or remedy that cannot lawfully be excluded.

You are responsible for maintaining appropriate internal controls, staff training, approval procedures, backups, reconciliation processes, device security, customer-verification processes, and business-continuity arrangements.

You should independently verify material payment, identity, delivery, contractual, tax, and customer information before taking an irreversible action.

You should promptly investigate unexpected Account activity, unusual customer behaviour, suspicious payment evidence, unexplained Credit use, permission changes, or inaccurate records.

Failure to use available safeguards may increase the risk of loss and may be relevant when determining responsibility for an incident.

To the extent permitted by law, you will be responsible for and will indemnify KOMERRA, its affiliates, officers, employees, and service providers against a third-party claim, liability, loss, damage, penalty, or reasonable cost arising from unlawful Business Content, your products or services, your breach of these Terms, your violation of another person’s rights, or fraud or wilful misconduct by you or your Authorized Users.

This indemnity may also apply to claims arising from misleading Mini Store information, your tax or delivery obligations, your refund or warranty obligations, unauthorized use of a connected account, unlawful customer communications, or your failure to obtain required permissions for personal information.

The indemnity does not apply to the extent that the claim was caused by KOMERRA’s breach, negligence, fraud, wilful misconduct, or another matter for which KOMERRA cannot lawfully exclude responsibility.

KOMERRA will provide reasonable notice of an indemnified claim and allow you to participate in its defence, subject to KOMERRA’s right to protect its legitimate interests and approve any settlement that imposes an obligation or admission on KOMERRA.

This section limits the types and amounts of loss for which KOMERRA may be responsible. It does not remove rights or liabilities that cannot lawfully be limited.

To the fullest extent permitted by law, neither party will be liable to the other for indirect, incidental, special, exemplary, punitive, or consequential loss, or for loss of anticipated profit, anticipated savings, business opportunity, goodwill, or reputation.

To the fullest extent permitted by law, KOMERRA will not be liable for loss caused by inaccurate user-supplied records, unreviewed AI Output, incorrect Workspace configuration, unauthorized actions resulting from inadequate credential protection, customer or seller misconduct, or a third-party provider outside KOMERRA’s reasonable control.

To the fullest extent permitted by law, KOMERRA’s total aggregate liability arising from or relating to the Services during any twelve-month period will not exceed the greater of the total amount paid by you to KOMERRA during the twelve months immediately preceding the event giving rise to the claim or ₦50,000.

The liability limitations do not apply to liability that cannot lawfully be limited, including where applicable liability for fraud, fraudulent misrepresentation, wilful misconduct, death or personal injury caused by negligence, breach of a mandatory consumer right, or another liability that applicable law prohibits the parties from excluding.

Each party must take reasonable steps to prevent and reduce avoidable loss after becoming aware of a problem.

No claim may be recovered more than once under different legal theories for the same loss.

Where you use KOMERRA wholly or mainly for business purposes, you acknowledge that the fees and Credit prices reflect the allocation of responsibility, disclaimers, exclusions, and liability limitations contained in these Terms.

You are responsible for obtaining appropriate business, cyber, professional, product, public-liability, employee, property, delivery, and other insurance relevant to your operations.

KOMERRA does not provide insurance and does not guarantee that any loss will be recoverable under your insurance arrangements.

Any different allocation of risk must be expressly set out in a signed enterprise agreement.

These Terms are governed by the laws of the Federal Republic of Nigeria, without prejudice to any mandatory rights or protections that apply under another law and cannot validly be excluded.

The application of a mandatory consumer, privacy, employment, or other protective law will not be excluded merely because these Terms select Nigerian law.

Before commencing formal proceedings, a party should send the other party written notice describing the nature of the dispute, the relevant facts, supporting documents, previous attempts to resolve the issue, and the remedy requested.

The parties should allow a reasonable period, ordinarily thirty days after sufficient information has been provided, to attempt to resolve the dispute in good faith.

During the resolution period, each party should preserve relevant records and avoid conduct that unnecessarily increases the dispute or resulting loss.

This informal process does not prevent a party from seeking urgent protective or injunctive relief where delay could cause serious or irreparable harm.

The parties may agree to refer an unresolved dispute to mediation before commencing or continuing court proceedings.

Any mediator, location, procedure, and sharing of mediation costs must be agreed by the parties unless an applicable law or contract provides otherwise.

Participation in mediation does not prevent a party from seeking urgent court relief.

Unresolved disputes may be brought before a court of competent jurisdiction in Nigeria unless mandatory law requires or permits another forum.

Either party may seek urgent relief where necessary to protect confidential information, intellectual property, personal information, platform security, evidence, customer funds, or another right that could be seriously harmed by delay.

KOMERRA may update these Terms to reflect new features, changes to the operating model, security risks, legal or regulatory developments, changes to third-party services, pricing structures, or improvements in clarity.

Where a change is material, KOMERRA will provide notice through an appropriate channel, such as email, dashboard notification, application notification, or a prominent website notice.

Where reasonably practicable, material changes will be notified before they take effect.

A change may take effect immediately where required to comply with law, address an urgent security risk, prevent serious abuse, or respond to a binding provider restriction.

Continued use of the affected Services after the effective date of an updated version constitutes acceptance of the updated Terms.

If you do not agree to an update, you should stop using the affected Services and request Account closure before the updated Terms take effect.

A change will not retroactively remove rights that have already accrued or alter a completed purchase contrary to applicable law.

You agree that KOMERRA may provide contractual, billing, security, operational, product, privacy, and legal notices electronically.

Notices may be delivered through the email address associated with your Account, a dashboard notice, an application notification, a website notice, or another contact method you provide.

You must keep your contact information current and must review important Account and security notices.

A notice sent to your registered contact information may be treated as received in accordance with applicable law even where you fail to review it because your information was outdated, your mailbox was full, or you did not monitor the Account.

Formal legal notices to KOMERRA should be sent to support@komerra.app with the subject line “Legal Notice” and should identify the sender, relevant Account or Workspace, nature of the notice, and requested action.

Neither party will be liable for delay or failure caused by an event beyond its reasonable control, including natural disaster, widespread power or internet failure, war, civil disturbance, government action, labour disruption, epidemic, major cyberattack, telecommunications failure, or failure of an essential third-party provider.

The affected party must take reasonable steps to reduce the impact and resume performance when reasonably possible.

This section does not remove an obligation to pay for Services already supplied or a responsibility that cannot lawfully be excluded.

Where a force-majeure event materially prevents a paid Service from being supplied for an extended period, KOMERRA will consider an appropriate remedy consistent with the applicable plan, Refund and Cancellation Policy, and law.

You may not assign, transfer, delegate, or sublicense your rights or obligations under these Terms without KOMERRA’s prior written consent.

KOMERRA may assign or transfer these Terms as part of a merger, corporate restructuring, financing arrangement, sale of substantially all relevant assets, transfer to an affiliate, or similar business transaction.

An assignment by KOMERRA will not unlawfully reduce your rights.

Where a transfer materially changes the identity of the service provider responsible for your agreement, KOMERRA will provide appropriate notice.

These Terms do not create a partnership, franchise, joint venture, employment relationship, fiduciary relationship, or general agency between you and KOMERRA.

You have no authority to make commitments, representations, warranties, or contracts on behalf of KOMERRA.

A business does not become an employee, agent, franchisee, or representative of KOMERRA merely because it uses a Mini Store, Trust Passport, verification badge, document template, or connected service.

These Terms and the documents incorporated into them constitute the entire agreement concerning the Services, except where a signed agreement expressly states otherwise.

If a provision is found unlawful, invalid, or unenforceable, it will be modified to the minimum extent necessary or removed, and the remaining provisions will continue in effect.

A delay or failure to enforce a right does not waive that right.

A waiver is effective only when made clearly by an authorized party and applies only to the specific circumstances for which it was given.

Unless expressly stated, a person who is not a party to these Terms has no contractual right to enforce them.

Headings are included for convenience and do not affect interpretation.

Words such as “including”, “includes”, and “for example” are illustrative and do not limit the meaning of the preceding words.

The controlling version of these Terms is the English version. A translation or simplified explanation may be provided for convenience but does not replace the English version unless applicable law requires otherwise.

Provisions concerning outstanding payments, Credits, intellectual property, confidentiality, retained records, indemnities, disclaimers, liability, disputes, notices, and any other provision that should reasonably continue will survive suspension, closure, expiry, or termination.

Termination does not affect rights, remedies, obligations, or liabilities that accrued before termination.

Questions, complaints, support requests, and notices concerning these Terms may be sent to KOMERRA Technologies Limited.

Email: support@komerra.app.

Website: www.komerra.app.

Company registration number: 9681120.

For security concerns, include “Security Report” in the email subject. For formal contractual or legal notices, include “Legal Notice” in the email subject.