Terms of Service

• "Service" means the Kora web application, API, AI assistant, WhatsApp integration, and all associated features and functionality.
• "Account" means the account you register to access the Service, whether as an individual broker or as part of an organisation.
• "Organisation" means a multi-broker workspace created under a subdomain on the Kora platform.
• "User" means any individual who accesses the Service under a registered Account.
• "Customer Data" means information you input about your clients, prospects, deals, documents, and communications via the Service.
• "Subscription" means a paid plan that grants access to additional features and higher usage limits.

You must be at least 18 years old and legally capable of entering into contracts to use the Service. By registering you represent that all information you provide is accurate and that you will keep it up to date.

If you are registering on behalf of an organisation, you represent that you have the authority to bind that organisation to these Terms.

You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your Account. You must notify us immediately at hello@tellkora.com if you suspect unauthorised access.

Kora provides an AI-powered CRM platform for brokers in the automotive, real estate, and insurance industries. The Service includes:

• Deal and pipeline management tools
• Customer relationship management features
• An AI assistant (Kora) accessible via the dashboard and WhatsApp
• Document storage and OCR-based data extraction
• Inquiry link generation and management
• Email and WhatsApp communication tools
• Reminder and calendar integration features
• Organisation and team management for multi-broker accounts

We reserve the right to modify, suspend, or discontinue any feature at any time, with or without notice. We will make reasonable efforts to inform you of significant changes in advance.

Certain features of the Service require a paid Subscription. By subscribing you authorise us to charge your chosen payment method on the applicable billing cycle (monthly or annual). All fees are non-refundable except as expressly stated in these Terms or required by applicable law.

We may change Subscription pricing at any time. If we increase prices for your current plan, we will provide at least 30 days' notice by email before the change takes effect for your account.

Failure to pay may result in suspension or termination of your Account.

You agree not to use the Service to:

• Violate any applicable law or regulation
• Harass, threaten, or defraud any person
• Upload, transmit, or store malware, viruses, or other malicious code
• Attempt to gain unauthorised access to the Service, other accounts, or our infrastructure
• Scrape, mine, or harvest data from the Service without our prior written consent
• Use the AI assistant to generate content that is illegal, deceptive, defamatory, or discriminatory
• Impersonate any person or entity, or misrepresent your affiliation with any person or entity
• Use the Service to send unsolicited commercial messages (spam) to any person
• Reverse-engineer, decompile, or create derivative works from any part of the Service

We reserve the right to suspend or terminate accounts found to be in violation of these prohibitions without prior notice.

You retain full ownership of all Customer Data you input into the Service. You grant Kora a limited, non-exclusive licence to store, process, and transmit Customer Data solely to provide the Service to you.

You are responsible for ensuring that your collection and use of Customer Data (including data about your own clients) complies with all applicable privacy laws, including obtaining any required consents before sharing personal data with Kora.

We will not access, use, or disclose Customer Data except as necessary to provide the Service, comply with legal obligations, or as expressly permitted in our Privacy Policy.

The Kora AI assistant is designed to help brokers manage their workflow. However:

• AI-generated content may contain errors, omissions, or inaccuracies. You should independently verify any important information before acting on it.
• The AI assistant does not provide legal, financial, or professional advice. Do not rely on it as a substitute for qualified professional guidance.
• You are solely responsible for all communications sent to your clients via the Service, including those initiated through WhatsApp integrations.
• Kora is not liable for any outcome arising from your reliance on AI-generated content or recommendations.

The Service, including its design, code, AI models, branding, and all content created by Kora, is the exclusive intellectual property of Kora and its licensors, protected by copyright, trademark, and other applicable laws.

Nothing in these Terms grants you ownership of any Kora intellectual property. Your right to use the Service is limited to the licence granted by these Terms and does not include the right to sub-licence, sell, or transfer your access to the Service.

If you provide feedback, suggestions, or ideas about the Service, you grant us a perpetual, royalty-free licence to use them without restriction or compensation to you.

The Service may integrate with third-party platforms (e.g. Google Calendar, WhatsApp Business, email providers). Your use of those integrations is subject to the respective third party's terms and privacy policies. Kora is not responsible for the practices or availability of third-party services.

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that: (a) the Service will be uninterrupted or error-free; (b) any defects will be corrected; (c) the Service is free of viruses or harmful components; or (d) any result or outcome obtained from using the Service will be accurate or reliable.

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL KORA, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES INCLUDING LOSS OF PROFITS, DATA, OR GOODWILL ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ANY CLAIM ARISING UNDER OR RELATED TO THESE TERMS SHALL NOT EXCEED THE GREATER OF: (A) THE TOTAL FEES PAID BY YOU TO KORA IN THE THREE MONTHS PRECEDING THE CLAIM, OR (B) USD $100.

You agree to indemnify, defend, and hold harmless Kora and its affiliates from any claims, damages, losses, costs, and expenses (including reasonable legal fees) arising from: (a) your use of the Service; (b) your violation of these Terms; (c) your Customer Data; or (d) your violation of any third-party rights.

You may close your Account at any time by contacting us or using the in-app account deletion option. Upon closure, your access to the Service will be revoked and your data will be deleted in accordance with our Privacy Policy.

We may suspend or terminate your Account immediately and without prior notice if you breach these Terms, if required by law, or if continued access poses a security or legal risk.

Sections 6, 8, 10, 11, 12, and 15 survive termination of these Terms.

We may modify these Terms at any time. We will notify you of material changes by email or via an in-app notice at least 14 days before the changes take effect. Your continued use of the Service after the effective date constitutes acceptance of the updated Terms.

If you do not agree to the revised Terms, you must stop using the Service and close your Account before the changes take effect.

These Terms are governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions. You agree to submit to the exclusive jurisdiction of the courts located in Delaware for the resolution of any dispute arising under or in connection with these Terms.

Before initiating legal proceedings, both parties agree to attempt in good faith to resolve any dispute by informal negotiation for at least 30 days.

Entire Agreement. These Terms, together with our Privacy Policy, constitute the entire agreement between you and Kora regarding the Service and supersede all prior agreements.

Severability. If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

No Waiver. Our failure to enforce any right or provision does not constitute a waiver of that right or provision.

Assignment. You may not assign your rights under these Terms without our prior written consent. We may assign our rights freely.

For questions about these Terms, please contact our legal team: