Terms of Service

These Terms of Service (the “Terms”) govern your access to and use of the Cloove website, mobile applications, dashboards, APIs, and the products that make up the Cloove platform - including Cloove Go, Cloove Vox, Cloove Money, and Cloove Keep (together, the “Services”). They form a binding agreement between you (and, where you act for a business, that business) and Cloove.

By creating an account, clicking “I agree,” or otherwise using the Services, you confirm that you have read and accepted these Terms. If you do not agree, please do not use the Services.

To use Cloove you must be at least 18 years old and able to enter into a legally binding contract. When you register, you agree to:

• Provide accurate, current, and complete information, and keep it up to date.
• Complete any identity and business verification (KYC) we or our partners require.
• Keep your login credentials and transaction PIN confidential.
• Take responsibility for all activity that happens under your account.

Notify us promptly at support@clooveai.com if you suspect any unauthorised use of your account.

Cloove gives businesses an AI workforce that operates across the channels they already use. The Services include:

• Cloove Go - an AI commerce agent that handles customer chats and sales on WhatsApp and other messaging channels.
• Cloove Vox - an AI voice engine that answers and makes calls on your behalf.
• Cloove Money - banking, wallets, and payouts delivered through our licensed financial partners.
• Cloove Keep - an AI assistant that keeps your records, tasks, and books organised.

We may add, change, or retire features over time to improve the Services. Where a change materially reduces functionality you rely on, we will give reasonable notice.

Cloove provides tools to record sales, hold balances, and move money. Banking, wallet, and payout services are provided by licensed financial institutions we partner with, and your use of those features is also subject to the partner’s terms, which we present to you where applicable.

• You are responsible for the accuracy of payment details and the legitimacy of every transaction you initiate.
• Transfers and payouts may require PIN confirmation and may be subject to limits, holds, or review for compliance and fraud prevention.
• We may delay, decline, or reverse a transaction where required by law, by a partner, or to protect users from fraud.

You agree to use the Services lawfully and not to:

• Break any applicable law or regulation, or facilitate anyone else in doing so.
• Send spam, deceptive, or unsolicited messages, or misuse messaging and calling channels.
• Sell prohibited or restricted goods and services, or process payments for them.
• Attempt to disrupt, reverse-engineer, scrape, or gain unauthorised access to the Services.
• Infringe the intellectual property, privacy, or other rights of any person.

We may investigate suspected violations and take any action we consider appropriate, including restricting features, suspending accounts, or reporting to the relevant authorities.

You retain ownership of the content and data you submit to Cloove - your messages, customer records, catalogue, and business information (your “Content”). You grant us a limited licence to host, process, and transmit your Content solely to operate and improve the Services for you.

You are responsible for ensuring you have the right to share any Content and that doing so does not breach any law or third-party right. How we handle personal data is described in our Privacy Policy.

The Services connect to third-party platforms - such as WhatsApp, telephony carriers, and our banking partners - and may link to other websites. We do not control those services and are not responsible for them. Your use of a third-party service is governed by that provider’s own terms and policies.

Some features are offered on paid plans or on a usage basis. Applicable fees, billing cycles, and any taxes are shown before you subscribe. Unless stated otherwise, fees are non-refundable, and subscriptions renew automatically until cancelled.

We may change pricing from time to time and will give reasonable notice before changes affect a renewing plan. You can cancel at any time from your account settings; cancellation takes effect at the end of the current billing period.

The Services are provided on an “as is” and “as available” basis. To the fullest extent permitted by law, Cloove disclaims all warranties not expressly stated here, and does not warrant that the Services will be uninterrupted, error-free, or fit for a particular purpose.

AI-generated responses, drafts, and suggestions may be inaccurate - you are responsible for reviewing them before relying on or acting on them. To the extent permitted by law, Cloove will not be liable for indirect, incidental, or consequential losses, and our total liability is limited to the amount you paid us for the Services in the three months before the claim arose.

You may stop using the Services and close your account at any time. We may suspend or terminate your access - with notice where reasonable - if you breach these Terms, create risk for other users or for us, or where we are required to do so by law or a partner.

On termination, your right to use the Services ends. We will handle any remaining balances in line with applicable law and our partners’ requirements, and will retain or delete data as set out in our Privacy Policy.

We may update these Terms as the Services and the law evolve. When we make material changes, we will update the date above and, where appropriate, notify you. Continued use of the Services after changes take effect means you accept the revised Terms. These Terms are governed by the laws of the jurisdiction in which Cloove is established, without regard to conflict-of-law rules.