Terms of Service

Cohara is bookkeeping software. It reads the records you give it — bank and card statements, receipts, invoices, and transactions from banks you connect — organizes them, and produces reports and exports you can hand to an accountant.

It is not a tax, legal, or accounting service, and nothing it produces is advice. It does not file anything with any tax authority. A category, a report, or a suggestion from Cohara is a starting point for a conversation with a professional, not a substitute for one. Decisions about your taxes and your books remain yours.

We do not promise that using Cohara will reduce what you owe, find deductions, or save you money.

You keep ownership of everything you put into Cohara. We claim no rights over your documents, transactions, or reports beyond what is needed to run the product for you — storing them, processing them, and showing them back to you.

You can export your records at any time, in formats an accountant can use. That is deliberate: leaving should never mean losing your bookkeeping.

You are responsible for the accuracy of what you enter, and for having the right to give us the records you upload — including any information about other people, such as customers, contractors, or employees.

If you connect a bank, the connection is read-only. Cohara can read transactions and balances. It cannot move money, make payments, or initiate transfers, and there is no feature anywhere in the product that does.

You sign in with your bank inside the provider’s own window; we never see your banking username or password. You can disconnect at any time, and doing so revokes our access at the provider as well as here.

Transaction data comes from your bank through a third party. We pass on what they send. Banks restate, amend, and occasionally omit transactions, so a bank feed is a convenience and not a substitute for checking your own statements.

During the private beta, nothing is charged and no card is collected. You are not agreeing to pay anything by using Cohara today.

These are the plans, and what each one costs when billing begins:

• Starter — $29/month
• Growth — $59/month
• Scale — $99/month

When paid plans start, we will tell you before you are charged anything. Subscriptions are billed through Stripe; your card details go to Stripe directly and never pass through Cohara. Plans renew until you cancel, you can cancel at any time, and cancelling stops future charges rather than refunding the period you are in.

We may change prices. If we do, we will tell you before the change affects you, and you can cancel instead of accepting it.

Do not:

• Upload records you have no right to
• Try to reach another customer’s data, or test whether you can
• Attack, overload, or interfere with the service or the people using it
• Resell Cohara or pass your account around as shared access
• Use it to break the law

You are responsible for what happens under your account, including keeping your password to yourself.

Cohara is a beta product. It will have bugs, it will change, and features may be added or removed. We do not promise it will be available without interruption, and we do not offer a service level guarantee.

We depend on other companies — hosting, the database, banking providers, payment processors. When one of them is down, part of Cohara will be too.

You can stop using Cohara whenever you like and ask us to delete your account and everything in it. Export first if you want to keep your records.

We may suspend or close an account that breaks these terms, or if we stop offering the product. Except where someone is causing harm, we will give reasonable notice and a chance to export.

Cohara is provided “as is”. To the fullest extent the law allows, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that the software will be error-free, that a reading of a document will be correct, or that a report will be suitable for any particular filing. You are expected to review your own books.

To the fullest extent the law allows, [LEGAL ENTITY NAME] is not liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, lost revenue, lost data, or the cost of substitute services.

Our total liability for any claim relating to Cohara is limited to the amount you paid us in the twelve months before the claim arose. During the beta, that amount is zero — which is one of several reasons not to treat Cohara as your only copy of anything.

Some jurisdictions do not allow these limits, and where that is so, they apply only as far as they legally can.

We may update these terms. If a change is material, we will tell you before it takes effect. Continuing to use Cohara after that means you accept the new terms; if you would rather not, you can close your account.

These terms are governed by the laws of [STATE / COUNTRY], without regard to its conflict-of-laws rules. Disputes will be handled in the courts of [STATE / COUNTRY] unless the law gives you the right to bring them somewhere else.

[LEGAL ENTITY NAME] — [CONTACT EMAIL]