Version 2026-09-24
Kova AI is provided by M.M. van den Ham, established in Nederland.
Chamber of Commerce (KvK) number: 97570931 · VAT identification number: NL005277659B05
Questions or complaints? Email miguel.morrison.business@gmail.com — we reply within five working days.
These terms apply from the moment you accept them. You do that when you create your account, and again whenever we change the terms materially.
The version is shown at the top of this page (2026-09-24). As long as that version does not change, nothing changes in our agreement.
Kova AI is only for people aged 18 and over. By creating your account you confirm that you are 18 or older.
Kova AI is intended exclusively for use in the course of a trade, business or profession. By creating your account you confirm that you use Kova for business purposes.
One account is for one business, unless your subscription says otherwise.
You are responsible for keeping your password secret and for everything that happens under your account.
Kova AI is a tool for your administration: scanning receipts, creating invoices, VAT overviews and an AI assistant (Lex).
Kova AI is not an accountant, not a bookkeeper and not a tax adviser. We do not file your tax returns and we do not check your administration.
You remain responsible for your own administration and your own tax returns. Always check important figures yourself, or have a professional check them.
We do our best to provide a reliable service, but we do not promise that it is always available or always works without errors.
Lex is an AI assistant. AI can make mistakes: misread an amount, misjudge a VAT rate or state something that is not true. See its answers as help, never as final tax advice.
To answer your question we send it — with the data needed for it, such as a receipt photo or a summary of your figures — to AI providers. Which ones is listed in the privacy statement. We ask for your consent before this happens for the first time.
What you do with Lex's answers is your choice and your responsibility.
You can use Kova AI for free, with a limited number per period: 10 receipts and 5 invoices per month, and 3 questions to Lex per day.
When you reach a limit, you can continue in the next period. Your data stays where it is.
Kova Pro costs €12.00 per month, including VAT, and renews automatically every month until you cancel.
In the iPhone app the subscription runs through Apple (In-App Purchase). The first month is free. After that €12.00 is charged every month to your Apple account, unless you cancel at least 24 hours before the end of the current period.
On the website the subscription runs through Stripe. There is no free period here: you pay €12.00 from the first month, and then every month again.
We announce price changes at least 30 days in advance.
If a payment fails, we try again and show it to you in the app. If it keeps failing, Kova Pro stops.
You can always cancel, per month, without a notice period.
Because Kova is for business use only, the statutory right of withdrawal for consumers does not apply. You can still cancel every month (Article 8).
Paid through the iPhone app? Then cancel in your Apple settings (Settings › your name › Subscriptions), at least 24 hours before the end of the current period. We cannot stop an Apple subscription for you.
Paid through the website? Then cancel in Settings, using the button to Stripe's customer portal. There you can also change your payment method and find your invoices.
After cancelling, Kova Pro stays active until the end of the period you already paid for. After that your account continues as a free account; your data stays where it is.
Your administration remains yours. You can download a complete backup at any time: all your data plus your receipt photos, in one file.
We keep your data for as long as you have an account. We never sell it and we do not use it for advertising.
How we handle your data, who receives it and what rights you have is described in the privacy statement.
If a data breach affects your data, we will let you know as soon as possible and, where required, report it to the Dutch Data Protection Authority (Autoriteit Persoonsgegevens).
In Kova AI you also enter data about your own customers, such as names, addresses, email addresses and invoices. For that data you are the controller and Kova AI is your processor, as referred to in Article 28 GDPR. This article is the data processing agreement between you and us.
We process that data only on your instructions and only to provide the service: storing, displaying, creating invoices and, when you ask, emailing them. Never for our own purposes.
Anyone at Kova AI with access to that data is bound by confidentiality. We protect it appropriately: encrypted connections, access only through your account, and the database in the EU.
We use sub-processors, such as hosting, database, email and AI services. The current list is in the privacy statement. We announce a new sub-processor in advance, so that you can object or cancel.
We help you with requests from your customers, such as access, correction or deletion. We report a data breach affecting your customers' data to you without undue delay, and no later than 48 hours after we discover it.
When your account ends, we delete this data as well (Article 11). You can download it first. If you reasonably need information to check that we comply with this article, we will provide it.
You can delete your account yourself, in the app and on the website. This is final: your receipts, receipt photos, invoices, customers, hours and conversations with Lex are erased, and so is your account. We cannot undo this.
So download your complete backup first. Dutch law requires businesses to keep their administration for 7 years; that obligation stays with you, even after your account is gone.
When you delete your account we cancel your Stripe subscription and revoke the connection to your bank. If you pay through Apple, you must cancel that subscription yourself in your Apple settings — otherwise Apple keeps charging for an account that no longer exists.
To the extent permitted by law, our liability is limited to the amount you paid Kova AI in the 3 months before the incident.
To the extent permitted by law, we are not liable for indirect damage, such as missed deductions, a tax return that is too high or too low, or fines.
These limitations do not apply in case of intent or deliberate recklessness on our part, nor where mandatory law, such as consumer law, provides otherwise.
We may change these terms. For a material change this page gets a new version and we ask you to accept again, in the app or on the website. Until you do, you cannot continue using Kova AI.
If you do not agree with the new terms, you can cancel and delete your account. You can always download your complete backup first.
These terms are governed by Dutch law.
If we cannot resolve something together, you can go to the Dutch courts. If you are a consumer, you keep the protection of the mandatory law of the country where you live. Email us first — most things are solved in a single message.
These terms are also available in Dutch. If there is any difference, the Dutch version prevails.