1. Agreement to Terms

By accessing and using Kuvra (the "Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service. We reserve the right to make changes to the terms at any time without notice. Your use of Kuvra following the posting of revised Terms means that you accept and agree to the changes.

2. Use License

Subject to the terms and conditions of this Agreement, we grant you a limited, non-exclusive, non-transferable license to:

• Access and use the Service for lawful purposes
• Download and print materials for personal, non-commercial use
• Use the Service to manage your business finances and tax compliance

3. Disclaimer of Warranties

The materials on Kuvra are provided "as-is". Kuvra makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.

While we strive to provide accurate tax guidance based on current Nigerian tax laws, Kuvra is not a substitute for professional tax advice. For complex tax situations, please consult with a qualified tax professional or accountant.

4. Limitations of Liability

In no event shall Kuvra or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on Kuvra, even if Kuvra or an authorized representative has been notified of the possibility of such damage.

5. Accuracy of Materials

The materials appearing on Kuvra could include technical, typographical, or photographic errors. Kuvra does not warrant that any of the materials on our website are accurate, complete, or current. Kuvra may make changes to the materials contained on our website at any time without notice.

6. Links

Kuvra has not reviewed all of the sites linked to our website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by us of the site. Use of any such linked website is at the user's own risk.

7. Modifications

Kuvra may revise these terms of service for our website at any time without notice. By using this website, you are agreeing to be bound by the then current version of these terms of service.

8. Governing Law

These terms and conditions are governed by and construed in accordance with the laws of Nigeria, and you irrevocably submit to the exclusive jurisdiction of the courts located in Lagos, Nigeria.

9. User Accounts

When you create an account on Kuvra, you are responsible for:

• Providing accurate and complete information
• Maintaining the confidentiality of your password
• Accepting responsibility for all activities under your account
• Notifying us immediately of unauthorized use

10. Prohibited Conduct

You agree not to use Kuvra for any unlawful or prohibited purpose, including:

• Any activity that violates Nigerian law or regulations
• Submitting false or misleading financial information
• Tax evasion or fraud
• Attempting to gain unauthorized access to the Service
• Harassing or threatening other users

11. Termination

Kuvra reserves the right to terminate or suspend your account and access to the Service immediately, without prior notice or liability, for any reason, including if you breach the Terms.

Upon termination, your rights to use the Service will immediately cease. We will retain your data as required by law, but may delete other data upon request.

12. Payment Terms

If you subscribe to a paid plan:

• You authorize us to charge your selected payment method each billing cycle
• Billing occurs at the start of each period (monthly/annually)
• You can cancel at any time through your account settings
• No refunds for partial months, except as required by law

13. Intellectual Property

Kuvra and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio) are owned by Kuvra, its licensors, or other providers of such material and are protected by Nigeria and international copyright, trademark, and other intellectual property laws.

14. Indemnification

You agree to defend, indemnify, and hold harmless Kuvra and its officers, directors, employees, agents, and suppliers from and against any liabilities, costs, damages, losses, and expenses arising out of your use of the Service or your violation of these Terms.

15. Contact Information

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