KOVA
Terms of Service & User Agreement
Effective Date: April 17, 2026
Last Updated: April 17, 2026
PLEASE READ THESE TERMS CAREFULLY. BY ACCESSING OR USING KOVA IN ANY WAY, YOU AGREE TO BE LEGALLY BOUND BY THESE TERMS. IF YOU DO NOT AGREE, DO NOT USE THIS SERVICE.
Kova ("Company," "we," "us," or "our") operates the Kova AI Trading Journal platform available at kovaapps.com and related applications (collectively, the "Service"), headquartered in the Commonwealth of Massachusetts, United States.
By creating an account, accessing, or using the Service in any manner, you ("User," "you," or "your") agree to be bound by these Terms of Service ("Terms"), our Privacy Policy, and all applicable laws. These Terms form a legally binding contract between you and Kova. You expressly consent under the U.S. Electronic Signatures in Global and National Commerce Act (E-SIGN Act, 15 U.S.C. § 7001 et seq.) and applicable state electronic transaction laws that your electronic acceptance of these Terms (including by clicking “I agree,” creating an account, or continuing to use the Service) constitutes your legally binding signature and has the same force and effect as a handwritten signature on a paper contract.
We may update these Terms from time to time. For non-material changes (clarifications, typographical corrections, reorganization without substantive effect), we may update the Terms immediately upon posting. For material changes (including changes to pricing, refund terms, dispute resolution, limitations of liability, or scope of rights or obligations), we will provide you with at least thirty (30) calendar days advance notice via email to the address associated with your account and/or via a prominent in-app notice before the changes take effect. If material changes require your express consent under applicable law (including, without limitation, any changes for which the EU Consumer Rights Directive, the UK Consumer Rights Act 2015, or similar law requires affirmative acceptance), we will obtain that consent before the changes take effect as to you. Your continued use of the Service after the effective date of changes constitutes your acceptance of the updated Terms. If you do not agree to the updated Terms, you must stop using the Service and may cancel your subscription in accordance with Section 6.6.
THIS IS THE MOST IMPORTANT SECTION OF THESE TERMS. READ IT CAREFULLY.
KOVA IS AN EDUCATIONAL AND ANALYTICAL TOOL ONLY. WE DO NOT PROVIDE FINANCIAL, INVESTMENT, LEGAL, OR TAX ADVICE OF ANY KIND.
All content generated or provided through the Service — including but not limited to AI coaching responses, Kova Signals, chart analyses, trade insights, behavioral analytics, entry/exit suggestions, take profit levels, stop loss levels, confidence percentages, and weekly summaries — is provided solely for informational and educational purposes. None of it constitutes financial advice, investment advice, trading advice, or any other form of professional guidance.
YOU EXPRESSLY AGREE THAT YOU WILL NOT RELY ON THE SERVICE, OR ANY OUTPUT GENERATED BY THE SERVICE, TO MAKE ANY FINANCIAL, INVESTMENT, OR TRADING DECISION.
All trading and investment decisions are entirely your own. You bear sole and exclusive responsibility for any decision you make, action you take, or result you experience in connection with your trading activities.
YOU UNDERSTAND, ACKNOWLEDGE, AND AGREE THAT:
Kova is NOT and does not hold itself out to be:
If you require financial, legal, or tax advice, you should consult a licensed professional.
The Service uses artificial intelligence and machine learning technology provided by third parties. By using AI features, you acknowledge and agree that:
YOU AGREE NOT TO RELY ON ANY AI OUTPUT FOR ANY TRADING OR FINANCIAL DECISION.
To use the Service, you must:
By using the Service, you represent and warrant that you meet all eligibility requirements. We reserve the right to restrict or terminate access for users who do not meet these requirements, at our sole discretion.
You must provide accurate, complete, and current information when creating your account and keep it updated. Providing false or misleading information is grounds for immediate termination.
You are solely responsible for:
We are not liable for any loss or damage arising from your failure to maintain account security.
You may only maintain one active account. Creating multiple accounts to circumvent usage limits, subscription restrictions, promotional pricing, or account bans is strictly prohibited and will result in permanent termination of all associated accounts without refund.
You may not share, sell, transfer, sublicense, or otherwise allow any third party to access or use your account. Account credentials are personal and non-transferable.
Kova currently offers the following subscription tiers:
Promotional pricing, including first-month $1 trials where offered, applies only to the initial billing period of Basic and Pro monthly plans. Standard rates apply to all subsequent billing periods. All prices are in U.S. dollars and exclude applicable taxes, which will be added where required by law. The then-current pricing is always available at kovaapps.com and in-app at the point of subscription.
All paid subscriptions automatically renew at the end of each billing period unless you cancel before the renewal date. By subscribing, you affirmatively authorize Kova to charge your payment method on file for recurring charges without further action from you.
AUTOMATIC RENEWAL DISCLOSURE (for California residents and all users):
It is your responsibility to cancel before the renewal date if you do not wish to be charged. California residents may also cancel by any reasonable method consistent with California Business and Professions Code § 17602.
All payments are processed securely through Stripe. We do not store your full payment card information. By subscribing, you authorize Stripe to process recurring charges on our behalf.
If your payment fails, we may suspend your account and attempt to retry the charge. Continued failure to pay may result in termination of your account and loss of access to your data.
We reserve the right to change subscription prices at any time with at least 30 days prior written notice. Price changes take effect at the start of your next renewal period. Your continued use of the Service after a price change takes effect constitutes acceptance of the new price.
6.6.1 Monthly Plans with Promotional First Month ($1 Trial — Basic and Pro Monthly Only). When you subscribe to a Basic or Pro monthly plan at the promotional $1 first-month rate, you will be charged $1.00 at the time of subscription. You may cancel at any time before the end of your 30-day promotional period by visiting your account settings or contacting support@kovaapps.com. If you cancel before the promotional period ends, you will not be charged the standard monthly rate. If you do not cancel, your subscription will automatically convert to the standard monthly rate ($5.00 for Basic, $19.00 for Pro) and will renew on a monthly basis thereafter.
6.6.2 Monthly Plans — No Refunds After Charge. Once the standard monthly rate has been charged (after the promotional period or on any subsequent renewal), payments for monthly plans are final and non-refundable. You may cancel your subscription at any time to prevent future charges, but you will not be refunded for the current billing period. Canceled monthly subscriptions retain access through the end of the paid period.
6.6.3 Annual Plans — 30-Day Money-Back Guarantee. Annual subscriptions (Basic, Pro, and Elite) are offered with a 30-day money-back guarantee. If you are dissatisfied with your annual subscription for any reason, you may request a full refund within 30 calendar days of your initial annual purchase by emailing support@kovaapps.com with the subject line “Refund Request.” Refunds will be processed within 10 business days to your original payment method. After 30 calendar days, annual subscriptions are final and non-refundable except where refund is required by applicable law.
6.6.4 Elite Monthly Plan — No Trial, No Refund. The Elite monthly plan is not offered with a $1 promotional trial. Upon subscription, the full standard monthly rate ($49.00) is charged immediately and is final and non-refundable. You may cancel at any time to prevent future charges.
6.6.5 Cancellation Method. You may cancel any subscription at any time by: (a) visiting your account settings and following the cancellation prompts, or (b) contacting support@kovaapps.com with the subject line “Cancel Subscription” from the email address associated with your account. Cancellation takes effect at the end of the current billing period.
6.6.6 Chargebacks. We strongly encourage you to contact support@kovaapps.com before initiating a chargeback with your card issuer. Fraudulent chargebacks — including chargebacks initiated for services you received and used — may result in permanent termination of your account, recovery of fees, and referral to collections. We reserve the right to dispute all chargebacks we believe to be improper.
If you are a consumer located in the European Union, European Economic Area, or United Kingdom, you have a right under the EU Consumer Rights Directive (2011/83/EU), the UK Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, or equivalent national implementation to withdraw from your subscription contract within fourteen (14) calendar days of entering into it, without giving any reason. To exercise this right, send a clear statement of your decision to withdraw to support@kovaapps.com with the subject line “EU/UK Withdrawal.” Reimbursement will be made within 14 days of receipt of your withdrawal notice using the same means of payment used for the original transaction. By subscribing to the Service and by using any part of the Service during the withdrawal period, you expressly consent to the immediate performance of the Service and acknowledge that you lose your right of withdrawal once the Service has been fully performed. However, no deduction will be made from the “first month $1” promotional payment if you withdraw within 14 days.
You are responsible for all applicable taxes, duties, or levies associated with your subscription, including any value added tax (VAT), goods and services tax (GST), or similar consumption tax required by your jurisdiction. Prices displayed may not include applicable taxes, which will be added where required by law and collected through our payment processor.
If Kova permanently discontinues the Service, or terminates your account for reasons not attributable to your breach of these Terms (for example, Kova’s decision to sunset the product), annual subscribers will receive a pro-rata refund of their unused prepaid subscription fees. Monthly subscribers will retain access through the end of their paid period and will not be charged for subsequent months. This Section 6.9 does not apply to termination for breach, fraud, or abuse under Section 16.2, which remains non-refundable.
WE MAY AT ANY TIME, WITHOUT NOTICE OR LIABILITY TO YOU:
No feature of the Service is guaranteed to remain available. We are not liable to you or any third party for any modification, suspension, or discontinuation of the Service or any feature thereof.
You may use the Service solely for lawful, personal, non-commercial purposes in accordance with these Terms.
You agree that you will NOT:
Violation of this policy may result in immediate suspension or permanent termination of your account without refund and without notice.
All content, software, algorithms, designs, text, graphics, logos, and other materials comprising the Service are owned by or licensed to Kova and protected by copyright, trademark, trade secret, and other intellectual property laws. You may not copy, reproduce, modify, distribute, publicly display, or create derivative works from any part of the Service without our prior written consent.
You retain ownership of all trade data, notes, journal entries, and other content you input into the Service ("User Content"). By submitting User Content, you grant Kova a limited, non-exclusive, worldwide, royalty-free license to store, process, and use your User Content solely to provide and improve the Service.
We will not sell your identifiable personal trade data to third parties. We may use aggregated, anonymized, de-identified data for product improvement, research, and business analytics. We do not currently use your individually identifiable trade data, chat messages, or chart images to train artificial intelligence models; the license granted under this Section 9.2 is limited to operating and maintaining the Service and does not extend to AI model training of individually identifiable data without your prior express consent. Our practices in this regard are further described in our Privacy Policy.
Any feedback, suggestions, or ideas you provide regarding the Service may be used by us freely without any obligation to compensate you.
We respect intellectual property rights. If you believe any content on the Service infringes your copyright, please send a written notice to our Designated Copyright Agent at support@kovaapps.com (subject line: “DMCA Notice”) containing: (1) identification of the copyrighted work; (2) identification of the infringing material and its location; (3) your contact information; (4) a statement of good faith belief that the use is not authorized by the copyright owner, its agent, or the law; (5) a statement under penalty of perjury that the information in the notice is accurate and that you are authorized to act on behalf of the copyright owner; and (6) your physical or electronic signature. Kova maintains registration of its Designated Copyright Agent with the U.S. Copyright Office in accordance with 17 U.S.C. § 512(c)(2). We will respond to valid DMCA notices in accordance with applicable law and may remove or disable access to content alleged to be infringing. Users who submit fraudulent or materially misrepresentative DMCA notices may be liable for damages. Repeat infringers will have their accounts terminated.
If Kova introduces community, social, sharing, or other features that permit User Content to be shared with others, you represent and warrant that:
We reserve the right to remove any User Content that violates these Terms, at our sole discretion, without notice or liability. If community or sharing features are introduced, any User Content shared publicly through such features must be accompanied by the disclaimer: "For educational purposes only. Not financial advice."
Your use of the Service is subject to our Privacy Policy, which is incorporated into these Terms by reference. Key practices include:
The Service integrates with third-party providers including Stripe (payment processing), Supabase (database and authentication), Anthropic (AI processing for AI Coach and Kova Signals), OpenAI (AI processing for Kova Signals Pro), Google (AI processing for Kova Signals Pro via Gemini API), and Vercel (web hosting and content delivery). Your use of these integrations is subject to their respective terms and privacy policies. We are not responsible for the availability, accuracy, security, or practices of any third-party service. Outages or failures of third-party services do not entitle you to refunds or compensation.
THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE FULLEST EXTENT PERMITTED BY LAW, KOVA EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO:
Some jurisdictions do not allow the exclusion of implied warranties. In such jurisdictions, the above exclusions apply to the maximum extent permitted by law.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, KOVA AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, AND AFFILIATES SHALL NOT BE LIABLE FOR:
EXCEPT FOR LIABILITY ARISING FROM (I) FRAUD, (II) WILLFUL MISCONDUCT, (III) GROSS NEGLIGENCE, (IV) DEATH OR PERSONAL INJURY CAUSED BY NEGLIGENCE, OR (V) ANY OTHER LIABILITY WHICH MAY NOT BE LIMITED OR EXCLUDED UNDER APPLICABLE LAW, IN NO EVENT SHALL KOVA’S TOTAL CUMULATIVE LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATING TO THE SERVICE EXCEED THE GREATER OF: (A) THE TOTAL AMOUNT YOU PAID TO KOVA IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100.00 USD).
If you are a consumer in the European Union, United Kingdom, or any other jurisdiction where consumer protection laws provide non-waivable rights, nothing in these Terms limits or excludes any liability that cannot be limited or excluded under those laws. In particular, the limitations in this Section 14 do not apply to your statutory rights as a consumer under the EU Consumer Rights Directive, the UK Consumer Rights Act 2015, or equivalent national consumer protection legislation.
Some jurisdictions do not allow the limitation of certain types of liability. In such jurisdictions, the limitations above apply to the maximum extent permitted by applicable law.
You agree to indemnify, defend, and hold harmless Kova and its officers, directors, employees, agents, licensors, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees and court costs) arising out of or relating to:
Kova reserves the right, at your expense, to assume exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate with our defense. You will not settle any claim without our prior written consent. If you are a consumer in the European Union, United Kingdom, or any other jurisdiction that restricts consumer indemnification obligations, this Section 15 applies only to the extent permitted by applicable law.
You may terminate your account at any time by contacting support@kovaapps.com. Termination does not entitle you to a refund except as provided in Section 6.6.
WE RESERVE THE RIGHT TO SUSPEND, RESTRICT, OR PERMANENTLY TERMINATE YOUR ACCOUNT AT ANY TIME, FOR ANY REASON OR NO REASON, WITH OR WITHOUT NOTICE, WITHOUT LIABILITY TO YOU.
Without limiting the foregoing, we may terminate your account if you:
Upon termination, your right to use the Service ceases immediately. We will retain your account data for up to thirty (30) calendar days after termination to allow for account recovery or data export, after which your personal data will be deleted or anonymized, except where longer retention is required by law, necessary for fraud prevention, dispute resolution, or enforcement of these Terms. You may request expedited deletion by emailing support@kovaapps.com. You remain liable for all obligations incurred prior to termination. Sections 2, 3, 9, 13, 14, 15, and 19 survive termination.
You are solely responsible for:
Kova does not provide tax advice. Consult a qualified tax professional regarding your specific circumstances.
You may not use the Service if you are:
By using the Service, you represent and warrant that you are not subject to any such restrictions. Violation of this section may result in immediate termination and may be reported to appropriate authorities.
Before initiating any formal legal proceeding, you agree to contact us at support@kovaapps.com to attempt to resolve the dispute informally. We will make good faith efforts to resolve disputes within 30 days. If the dispute is not resolved informally, either party may proceed to arbitration as set forth below.
Any dispute, claim, or controversy arising out of or relating to these Terms or the Service that cannot be resolved informally shall be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, which are available at www.adr.org. For claims of $25,000 or less, the AAA’s Expedited Procedures will apply. The arbitration shall be conducted in Boston, Massachusetts, or via video conference at either party’s election. The arbitrator’s decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.
You have the right to opt out of the arbitration provision in Section 19.2 and the class action waiver in Section 19.4 by sending written notice of your decision to opt out to support@kovaapps.com within thirty (30) calendar days of first accepting these Terms. Your notice must include your name, the email address associated with your account, and a clear statement that you wish to opt out of arbitration. If you opt out in accordance with this section, neither you nor Kova will be required to arbitrate disputes, and the class action waiver will not apply to you. Opting out of arbitration does not affect any other provision of these Terms. If you do not opt out within 30 days, you are deemed to have accepted the arbitration provision and class action waiver.
YOU AND KOVA EACH EXPRESSLY WAIVE ANY RIGHT TO PARTICIPATE IN (A) A CLASS ACTION LAWSUIT, (B) A CLASS-WIDE, COLLECTIVE, OR CONSOLIDATED ARBITRATION, (C) A MASS ARBITRATION (INCLUDING COORDINATED FILINGS OF SUBSTANTIALLY SIMILAR CLAIMS BY MULTIPLE CLAIMANTS), (D) A PRIVATE ATTORNEY GENERAL ACTION, OR (E) ANY OTHER REPRESENTATIVE OR COLLECTIVE PROCEEDING. ALL DISPUTES MUST BE BROUGHT IN YOUR INDIVIDUAL CAPACITY ONLY AND SHALL NOT BE JOINED OR CONSOLIDATED WITH THE CLAIMS OF ANY OTHER PERSON.
TO THE EXTENT PERMITTED BY LAW, YOU AND KOVA EACH WAIVE ANY RIGHT TO A JURY TRIAL IN ANY LEGAL PROCEEDING ARISING FROM OR RELATED TO THESE TERMS OR THE SERVICE.
ANY CLAIM YOU HAVE ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS MUST BE FILED WITHIN ONE (1) YEAR AFTER SUCH CLAIM AROSE. CLAIMS NOT FILED WITHIN THIS PERIOD ARE PERMANENTLY BARRED.
Notwithstanding the above, either party may seek injunctive or other equitable relief from a court of competent jurisdiction for matters involving intellectual property infringement or unauthorized access to the Service. Small claims court actions remain available where eligible.
If you are a consumer in the European Union, United Kingdom, Australia, Canada, Brazil, or any other jurisdiction whose law provides mandatory consumer rights that cannot be waived or overridden by contract, nothing in Sections 19.2 (Binding Individual Arbitration), 19.4 (Class Action and Collective Proceeding Waiver), or 20 (Governing Law) is intended to or shall deprive you of those rights. In particular: (a) EU consumers may bring proceedings against Kova in the courts of their country of residence as provided by Regulation (EU) No 1215/2012 (Brussels I recast) and Regulation (EC) No 593/2008 (Rome I); (b) UK consumers retain rights under the UK Consumer Rights Act 2015 and related legislation; and (c) consumers in other jurisdictions retain any mandatory rights under local consumer protection law.
If you are a consumer in the European Union, the European Commission provides an Online Dispute Resolution (ODR) platform accessible at https://ec.europa.eu/consumers/odr. You may use this platform to resolve disputes arising from online purchases. Kova is not obligated to participate in ODR proceedings but will consider such requests in good faith. Our contact email for any ADR/ODR purposes is support@kovaapps.com.
These Terms shall be governed by and construed in accordance with the laws of the Commonwealth of Massachusetts, United States, without regard to its conflict of law provisions. Subject to the arbitration provisions above, you consent to the exclusive jurisdiction of the state and federal courts located in Suffolk County, Massachusetts for any disputes not subject to arbitration. Notwithstanding the foregoing, if you are a consumer, the choice of Massachusetts law does not deprive you of the protection of any mandatory provisions of the law of the country in which you have your habitual residence, as provided under Article 6 of Regulation (EC) No 593/2008 (Rome I) for EU consumers, and equivalent consumer protections under applicable law for UK and other non-US consumers.
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Kova regarding the Service and supersede all prior or contemporaneous agreements, representations, and understandings.
If any provision of these Terms is held invalid, illegal, or unenforceable by a court of competent jurisdiction, that provision shall be modified to the minimum extent necessary to make it enforceable. The remaining provisions shall continue in full force and effect.
Our failure to enforce any right or provision of these Terms shall not be construed as a waiver of that right or provision. Any waiver must be in writing and signed by an authorized representative of Kova.
You may not assign or transfer any of your rights or obligations under these Terms without our prior written consent. We may freely assign our rights and obligations under these Terms, including in connection with a merger, acquisition, or sale of assets, without notice to you.
We will not be liable for any failure or delay in performance caused by circumstances beyond our reasonable control, including acts of God, natural disasters, war, terrorism, civil unrest, government actions, pandemics, internet or power outages, or failures of third-party service providers.
Nothing in these Terms creates any agency, partnership, joint venture, fiduciary, or employment relationship between you and Kova.
Notices from you to Kova must be sent to support@kovaapps.com. We may provide notices to you via email or through the Service. Notices are deemed received when sent by email or when posted within the Service.
Section headings are for convenience only and have no legal effect.
These Terms are written in English. To the extent any translated version conflicts with the English version, the English version controls.
Kova is committed to making the Service accessible to users with disabilities. We aim to conform substantially to the Web Content Accessibility Guidelines (WCAG) 2.1 Level AA, the Americans with Disabilities Act (ADA) as applicable to digital services, and the EU European Accessibility Act (Directive (EU) 2019/882) for users in the European Union. If you encounter an accessibility barrier or need assistance using the Service, please contact us at support@kovaapps.com with the subject line “Accessibility.” We will make reasonable efforts to address accessibility issues in a timely manner.
For questions, legal notices, refund requests, or concerns regarding these Terms:
Kova AI Trading Journal
Email: support@kovaapps.com
Website: kovaapps.com
Commonwealth of Massachusetts, United States
For DMCA copyright notices, data deletion requests, or legal matters, please mark your email subject accordingly for prompt handling.
By creating an account or using Kova, you acknowledge that you have read, understood, and agree to be legally bound by these Terms of Service.
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