Terms of Service

1. Acceptance of Terms

By accessing or using Qontab (the "Service"), operated by ZeroKnowledge LTD ("we", "us", or "our"), you agree to be bound by these Terms of Service ("Terms"). If you are using the Service on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these Terms, and "you" refers to both you individually and the organization.

You must have the legal capacity to enter into a binding agreement. If you do not agree to these Terms, do not access or use the Service. Your use of the Service is also governed by our Privacy Policy, which is incorporated by reference.

2. Definitions

• "Service" — the Qontab web application, mobile application, API, and all related services provided by ZeroKnowledge LTD.
• "User" — any individual who accesses or uses the Service, whether as a free or paid subscriber.
• "Organization" or "Tenant" — the business entity under which one or more Users operate within the Service, representing a single accounting entity.
• "Content" or "User Data" — all data, financial records, documents, images, and other materials you upload, enter, or generate through the Service.
• "Subscription" — your selected pricing plan (Free, Basic, Pro, or Enterprise) that determines available features and usage limits.
• "AI Features" — functionality powered by artificial intelligence, including transaction categorization, receipt scanning, bank statement parsing, and smart suggestions.
• "Confidential Information" — any non-public information disclosed by either party, including financial data, business plans, technical specifications, and trade secrets.

3. Service Description

Qontab is an AI-powered double-entry bookkeeping platform that provides the following features (subject to your subscription plan):

• Double-entry bookkeeping with customizable chart of accounts
• Transaction management and bank reconciliation
• Financial reporting (balance sheet, income statement, trial balance, general ledger)
• AI-assisted receipt scanning and transaction categorization
• Invoicing and accounts receivable/payable tracking
• Multi-currency support with automatic exchange rate conversion
• VAT/tax calculation and reporting
• Payroll management
• Fixed asset tracking and depreciation
• Project and cost center tracking
• Bank statement import and parsing
• Data export (CSV, PDF)

The Service is currently in private beta. During the beta period, features may change, be added, or be removed without prior notice. We make no guarantees regarding the completeness or stability of beta features.

Important: Qontab is a bookkeeping tool and does not constitute professional accounting, tax, legal, or financial advice. You should consult with qualified professionals for your specific financial, tax, and compliance needs.

4. Account Registration & Security

• You must provide accurate and complete information when creating an account and keep it up to date.
• Email verification is required to activate your account.
• During the private beta, new accounts require administrator approval before access is granted.
• You are solely responsible for maintaining the confidentiality of your account credentials.
• You must notify us immediately of any unauthorized use of your account.
• We strongly recommend enabling two-factor authentication (2FA) or passkey authentication for enhanced security.
• Access within your organization is managed through role-based access control (RBAC) with roles including Owner, Admin, Member, and Viewer, each with defined permission boundaries.

5. Subscription Plans & Billing

The Service is offered under the following subscription plans:

• Free — limited features, suitable for personal use or evaluation.
• Basic ($12/month) — core bookkeeping features for small businesses.
• Pro ($29/month) — full feature access including AI features and advanced reporting.
• Enterprise ($79/month) — unlimited usage, priority support, and advanced administration.

All prices are in US Dollars and are exclusive of applicable taxes, which are your responsibility. We reserve the right to change pricing with at least 30 days' written notice. Price changes will take effect at the start of your next billing cycle following the notice period.

If payment fails or your subscription lapses, we may downgrade your account to the Free plan. You will retain access to your data but may lose access to premium features.

6. Free Trial

New users may be eligible for a 14-day free trial with access to Pro-tier features. No credit card is required to start a trial. At the end of the trial period, your account will automatically convert to the Free plan unless you select a paid subscription. No charges will be incurred without your explicit action.

7. Your Data & Intellectual Property

Your ownership: You retain full ownership of all User Data you upload, enter, or generate through the Service. We claim no ownership rights over your content.

License to us: By using the Service, you grant us a limited, non-exclusive, worldwide license to process, store, and display your User Data solely as necessary to provide, maintain, and improve the Service. This license terminates when you delete your data or close your account.

AI processing sub-license: You grant us a limited sub-license to transmit portions of your User Data to our AI sub-processors (as described in our Privacy Policy) solely for the purpose of delivering AI Features. This data is not used for model training.

Your responsibility: You are solely responsible for the accuracy, completeness, and legality of the data you enter into the Service. You represent that you have the right to use and upload all data you provide.

Our intellectual property: The Service, including its design, code, algorithms, documentation, trademarks, and all other intellectual property, is and remains the exclusive property of ZeroKnowledge LTD. Nothing in these Terms grants you any rights to our intellectual property beyond the limited right to use the Service.

Feedback: If you provide suggestions, ideas, or feedback about the Service, you grant us an unrestricted, perpetual, irrevocable license to use and incorporate such feedback without obligation to you.

8. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose, including money laundering, fraud, or tax evasion
• Attempt to gain unauthorized access to the Service, other users' accounts, or other tenants' data
• Circumvent, disable, or interfere with tenant isolation or any security features
• Upload malicious content, viruses, malware, or harmful code
• Reverse-engineer, decompile, disassemble, or otherwise attempt to derive the source code of the Service
• Use automated tools to scrape, crawl, or extract data from the Service beyond provided APIs and export features
• Create multiple accounts or organizations to circumvent plan limits or usage quotas
• Use the invoice email functionality to send unsolicited bulk messages or spam
• Resell, sublicense, or provide the Service to third parties without our written consent
• Use the Service to process data you do not have the right to use
• Interfere with or disrupt the Service's infrastructure or impose an unreasonable load on our systems

Violation of these rules may result in immediate suspension or termination of your account.

9. AI Features Disclaimer

AI Features are provided on an "as is" basis and may produce inaccurate, incomplete, or inconsistent results. AI-generated outputs include confidence scores where applicable to help you assess reliability. You acknowledge and agree that:

• You must review and verify all AI-generated data before relying on it for financial decisions, reporting, or tax filings
• We are not liable for errors, omissions, or inaccuracies in AI-generated outputs
• AI Features are subject to availability and may be temporarily unavailable due to provider outages or maintenance
• AI usage is metered per tenant and subject to the limits of your subscription plan
• We may modify, update, or replace AI providers at any time to improve quality or reliability

10. Service Availability

We strive to maintain high availability but do not guarantee 100% uninterrupted access. The Service may be temporarily unavailable due to:

• Scheduled maintenance (we will provide advance notice when practicable)
• Urgent security patches or critical updates
• Circumstances beyond our reasonable control (see Force Majeure below)

We reserve the right to modify, update, or discontinue any feature of the Service at any time. For material changes, we will provide reasonable notice. As the Service is currently in private beta, features are subject to change without the notice periods that would otherwise apply.

Force majeure: We shall not be liable for any failure or delay in performing our obligations due to causes beyond our reasonable control, including but not limited to natural disasters, acts of government, internet or power outages, acts of terrorism, pandemics, or failures of third-party service providers.

11. Data Export & Portability

You may export your data at any time using the Service's built-in export tools, which support CSV and PDF formats. Upon account termination (whether by you or by us), you will have a 30-day window to export your data before it is scheduled for deletion. We will make reasonable efforts to assist with data export during this period.

12. Confidentiality

Both parties agree to maintain the confidentiality of any Confidential Information received from the other party. Your financial data, business records, and account information are treated as Confidential Information and will not be disclosed except as required to provide the Service, as described in our Privacy Policy, or as required by law.

Confidentiality obligations survive the termination of these Terms for a period of three (3) years, except for trade secrets, which remain protected indefinitely.

13. Warranty Disclaimers

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

ZEROKNOWLEDGE LTD DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE DO NOT WARRANT THE ACCURACY OR COMPLETENESS OF ANY INFORMATION PROVIDED THROUGH THE SERVICE, INCLUDING AI-GENERATED OUTPUTS AND EXCHANGE RATE DATA.

THE SERVICE IS NOT A SUBSTITUTE FOR PROFESSIONAL ACCOUNTING, TAX, LEGAL, OR FINANCIAL ADVICE. EXCHANGE RATES ARE PROVIDED BY THIRD-PARTY APIS AND MAY NOT REFLECT REAL-TIME MARKET RATES. YOU RELY ON THE SERVICE AND ITS OUTPUTS AT YOUR OWN RISK.

14. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ZEROKNOWLEDGE LTD SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF DATA, LOSS OF BUSINESS OPPORTUNITIES, LOSS OF GOODWILL, OR COST OF PROCUREMENT OF SUBSTITUTE SERVICES, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE SERVICE, REGARDLESS OF THE THEORY OF LIABILITY (CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE).

OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF: (A) THE TOTAL AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED US DOLLARS ($100 USD).

Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, our liability shall be limited to the fullest extent permitted by law.

15. Indemnification

You agree to indemnify, defend, and hold harmless ZeroKnowledge LTD, its officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or relating to:

• Your use of the Service
• Your violation of these Terms
• Your violation of any rights of a third party
• The accuracy, completeness, or legality of your User Data
• Your reliance on AI-generated outputs for financial decisions

16. Termination

Termination by You

You may cancel your account at any time through the Service's settings or by contacting us. Upon cancellation, you will have a 30-day window to export your data. Paid subscriptions are non-refundable for partial billing periods.

Termination by Us

We may suspend or terminate your access to the Service:

• For cause — if you violate these Terms, we will provide notice and a reasonable cure period (typically 14 days) for curable violations.
• Non-payment — if payment fails and is not resolved within 14 days of notice.
• Inactivity — if your account remains inactive for 12 consecutive months, we may delete it after 30 days' written notice.
• Immediate termination — we may terminate without a cure period for illegal activity, security threats, or violations that endanger other users or the integrity of the Service.

Surviving Sections

Sections 7 (Your Data & IP), 12 (Confidentiality), 13 (Warranty Disclaimers), 14 (Limitation of Liability), 15 (Indemnification), 17 (Dispute Resolution), and 18 (Governing Law) survive termination of these Terms.

17. Dispute Resolution

Informal resolution: Before initiating formal proceedings, both parties agree to attempt to resolve disputes informally by contacting the other party and negotiating in good faith for a period of at least 30 days.

Jurisdiction: If informal resolution fails, disputes shall be submitted to the exclusive jurisdiction of the courts of Mauritius.

EU users: If you are located in the European Union, nothing in these Terms affects your right to bring proceedings in the courts of your country of residence for matters related to consumer protection.

18. Governing Law

These Terms are governed by and construed in accordance with the laws of Mauritius, without regard to conflict of law principles. The Mauritius Data Protection Act 2017 applies to all data processing activities. Where GDPR applies (for EEA users), its provisions shall prevail in case of conflict with these Terms regarding data protection matters. The United Nations Convention on Contracts for the International Sale of Goods (CISG) is expressly excluded.

19. General Provisions

• Severability — if any provision of these Terms is found unenforceable, the remaining provisions remain in full force and effect.
• Waiver — our failure to enforce any right or provision shall not constitute a waiver of that right or provision.
• Assignment — you may not assign or transfer these Terms without our prior written consent. We may assign our rights and obligations in connection with a merger, acquisition, or sale of assets.
• Entire agreement — these Terms, together with the Privacy Policy, constitute the entire agreement between you and ZeroKnowledge LTD regarding the Service.
• Force majeure — neither party shall be liable for delays or failures caused by events beyond reasonable control.
• Notices — we will send notices to the email address associated with your account or through in-app notifications. You may send notices to us at the contact information below.
• Headings — section headings are for convenience only and have no legal effect.
• No third-party beneficiaries — these Terms do not create any rights for third parties.

20. Changes to Terms

We may update these Terms from time to time. For material changes, we will notify you via email and through an in-app notification at least 30 days before the changes take effect. Your continued use of the Service after the effective date of revised Terms constitutes acceptance of the updated Terms. If you do not agree to the revised Terms, you must stop using the Service and cancel your account before the changes take effect.

21. Contact

If you have questions about these Terms, contact us at:

ZeroKnowledge LTD
Mauritius

Email: contact@qontab.com