All Legal Documents

Terms of Service

Effective date: April 10, 2026

1. Introduction

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User", "you", or "your") and Cove ("Company", "we", "us", or "our"), governing your access to and use of the Cove platform, including the website at joincove.io, the application at app.joincove.io, and all related services, features, and content (collectively, the "Service").

By creating an account, accessing, or using the Service, you confirm that you have read, understood, and agree to be bound by these Terms, our Privacy Policy, our Cookie Policy, and our Acceptable Use Policy, all of which are incorporated by reference.

If you are using the Service on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these Terms. In that case, "you" and "your" refer to both you individually and the organization.

2. Company Information

Cove is a product of Версей ЕООД (Versey EOOD), a single-member limited liability company registered in the Republic of Bulgaria.

  • Legal name: Версей ЕООД / Versey EOOD
  • UIC (ЕИК): 208443341
  • VAT number: BG208443341
  • Registered address: ul. Alabin 42, ap. 8, Triaditsa district, Sofia 1000, Bulgaria
  • Email: filip@joincove.io
  • Support: filip@joincove.io
  • Website: https://joincove.io

As a Bulgarian entity and EU member state company, we are subject to European Union regulations, including the General Data Protection Regulation (GDPR), the EU Digital Services Act, and the EU AI Act where applicable.

3. Eligibility

To use the Service, you must be at least 18 years of age or the age of legal majority in your jurisdiction, whichever is higher. The Service is designed for business and professional use. By using the Service, you represent and warrant that:

  • You meet the minimum age requirement
  • You have the legal capacity to enter into binding agreements
  • You are not prohibited from using the Service under any applicable law
  • If acting on behalf of an organization, you have the requisite authority

We do not knowingly provide the Service to individuals under 18 years of age. If we learn that a user is under 18, we will terminate their account and delete their data.

4. Account Registration

To access the Service, you must create an account by providing accurate, current, and complete information. You may register using an email address and password, or through a supported third-party authentication provider (e.g., Google OAuth).

You are responsible for:

  • Maintaining the accuracy of your account information
  • Safeguarding your account credentials, including passwords and authentication tokens
  • All activities that occur under your account, whether or not authorized by you
  • Notifying us immediately at filip@joincove.io if you suspect unauthorized access

You may not share your account credentials with any third party, create multiple accounts for the same individual, or use another person's account without authorization.

We reserve the right to suspend or terminate accounts that contain inaccurate information, are inactive for an extended period, or are reasonably suspected of being compromised.

5. Description of the Service

Cove is a business management platform that provides the following modules and features:

  • Invoicing — Create, send, and manage professional invoices with multi-currency support, sequential numbering compliant with EU/UK requirements, and PDF generation
  • AI Email Agent — Connect your email accounts via OAuth or email forwarding to automatically detect, extract, and categorize invoices, receipts, and business documents from incoming emails. Currently supported providers include Gmail, Outlook, Titan Mail, and Zoho Mail
  • Expense and Revenue Tracking — Record, categorize, and analyze business transactions with support for multiple currencies and VAT calculations
  • Tax Compliance — Multi-country VAT rate lookups, tax payment tracking, OSS threshold monitoring, and deadline reminders
  • Client and Product Management — Maintain a database of clients, contacts, and product/service catalogs
  • Human Resources — Employee records, payroll processing, leave management, and employment contract generation
  • Document Storage — Upload, organize, search, and manage business documents with folder structures, approval workflows, and AI-powered classification
  • Calendar and Reminders — Schedule events and receive automated reminders for invoices, tax deadlines, payroll, and other business milestones
  • AI-Powered Data Extraction — Automated extraction of structured data from uploaded documents, scanned receipts, and email attachments using artificial intelligence

The specific features available to you may depend on your subscription plan.

6. AI-Powered Features

Certain features of the Service use artificial intelligence ("AI") provided by third-party AI services, currently including Anthropic's Claude API. You acknowledge and agree to the following:

  • AI processing: When you upload documents, scan receipts, or connect email accounts, the content of those documents and email attachments may be sent to third-party AI providers for data extraction, classification, and analysis
  • Data transfer: Document content processed by AI may be transferred to servers located outside the European Economic Area, including the United States. We maintain appropriate safeguards for such transfers as described in our Privacy Policy
  • No autonomous decisions: AI is used to extract and suggest data (e.g., vendor names, amounts, tax rates). All AI-generated outputs are presented to you for review and confirmation. The Service does not make autonomous decisions that produce legal or financial effects without your review
  • Accuracy: While we strive for accuracy, AI-extracted data may contain errors. You are solely responsible for reviewing and confirming the accuracy of all AI-generated outputs before relying on them for any business, financial, tax, or legal purpose
  • AI provider terms: Our AI providers do not use your data submitted through their API to train their models. However, AI provider terms and policies may change. We will notify you of material changes that affect how your data is processed
  • Opt-out: You may choose not to use AI-powered features. However, certain core functionality (such as the AI Email Agent) relies on AI processing and cannot function without it

7. Email Integration

The Service allows you to connect third-party email accounts to enable automated extraction of business documents. By connecting an email account, you acknowledge and agree that:

  • Access scope: The Service accesses your email using read-only OAuth permissions (for Gmail, Outlook, and Zoho Mail) or email forwarding (for Titan Mail). We do not send, delete, or modify your emails
  • Content processing: The Service scans incoming emails to identify business-relevant attachments (invoices, receipts, contracts). Email content and attachments are processed to extract structured data
  • Third-party AI: Email attachments identified as business documents are sent to our AI provider for data extraction, as described in Section 6
  • Limited use: Data obtained through email integration is used solely to provide the document extraction features of the Service. We do not use email data for advertising, market research, or any purpose unrelated to the Service
  • Google API compliance: Our use of Google user data complies with the Google API Services User Data Policy, including the Limited Use requirements
  • Revocation: You may disconnect your email account at any time through the Service settings. Upon disconnection, the Service will stop accessing your email. Previously extracted data will remain in your account unless you delete it

8. Subscription Plans and Billing

The Service is offered through subscription plans, which may include free tiers, trial periods, and paid plans. Details of current plans and pricing are available at joincove.io.

  • Free tier: After any trial period expires, your account may be downgraded to a free tier. No data is deleted upon downgrade
  • Billing cycle: Paid subscriptions are billed on a recurring basis (monthly or annually) as selected at the time of purchase
  • Payment processing: Payments are processed by third-party payment processors (e.g., Stripe). We do not store your payment card details on our servers. Payment processing is subject to the terms and privacy policies of the payment processor
  • Price changes: We may change subscription prices with at least 30 days' advance notice. Price changes take effect at the start of your next billing cycle. If you do not agree with a price change, you may cancel your subscription before the new price takes effect
  • Taxes: Displayed prices may be exclusive of applicable taxes (VAT, sales tax, etc.). You are responsible for any taxes applicable to your subscription based on your jurisdiction
  • Failed payments: If a payment fails, we may suspend access to paid features after reasonable notice and retry attempts

9. Right of Withdrawal (EU Consumers)

If you are a consumer in the European Union, you have a 14-day right of withdrawal from the date of purchase, in accordance with Directive 2011/83/EU. To exercise this right, contact us at filip@joincove.io with a clear statement of your decision to withdraw.

By using the Service immediately after purchase and before the expiration of the withdrawal period, you acknowledge that you may lose your right of withdrawal once the digital content has been fully provided, in accordance with Article 16(m) of the Directive, provided you have given your prior express consent and acknowledged the loss of withdrawal right.

If you exercise your right of withdrawal, we will reimburse all payments received from you using the same payment method, without undue delay and no later than 14 days from the date we are informed of your decision.

10. Refund and Cancellation Policy

  • Cancellation: You may cancel your subscription at any time through your account settings or by contacting filip@joincove.io. Cancellation takes effect at the end of the current billing period. You will retain access to paid features until the end of the period you have already paid for
  • Refunds: Refunds are provided in accordance with the EU right of withdrawal (Section 9). Outside of the statutory withdrawal period, refunds are provided at our discretion on a case-by-case basis
  • Data after cancellation: Upon cancellation, your data remains accessible in your account on the free tier. You may export your data at any time. If you wish to delete your account and all associated data, you may do so through the account deletion process. Account deletion is permanent and irreversible — all data including financial records, documents, and employee data will be permanently deleted. You are solely responsible for exporting and retaining any records required by applicable law (such as tax records) before deleting your account

11. Your Content and Data

  • Ownership: You retain all ownership rights to the data, documents, and content you upload or create through the Service ("Your Content"). We do not claim any ownership rights over Your Content
  • License grant: By using the Service, you grant us a limited, non-exclusive, worldwide license to process, store, display, and transmit Your Content solely for the purpose of providing and improving the Service. This license terminates when you delete Your Content or your account
  • Responsibility: You are solely responsible for the accuracy, legality, and appropriateness of Your Content. You represent that you have all necessary rights to upload and process Your Content through the Service
  • Backup: While we implement reasonable measures to protect your data, you are responsible for maintaining your own backups of critical business data. We are not liable for any loss of Your Content

12. Intellectual Property

All rights, title, and interest in the Service — including but not limited to the software, design, text, graphics, logos, trademarks, and all other content provided by us — are owned by or licensed to the Company and are protected by Bulgarian, European Union, and international intellectual property laws.

You may not copy, modify, distribute, sell, lease, reverse engineer, decompile, or create derivative works based on any part of the Service without our prior written consent.

The Cove name, logo, and all related marks are trademarks of the Company. You may not use our trademarks without prior written permission.

13. Acceptable Use

Your use of the Service is subject to our Acceptable Use Policy, which is incorporated into these Terms by reference. Without limiting the Acceptable Use Policy, you agree not to:

  • Use the Service for any unlawful purpose or to facilitate illegal activities
  • Upload content that infringes third-party intellectual property rights
  • Attempt to gain unauthorized access to the Service, other accounts, or related systems
  • Interfere with or disrupt the Service or its infrastructure
  • Use the Service to store or transmit malware, viruses, or harmful code
  • Circumvent any security measures, rate limits, or access restrictions
  • Use automated means (bots, scrapers) to access the Service except through our official API
  • Resell, sublicense, or commercially exploit the Service without authorization
  • Use the Service to process data in violation of applicable data protection laws

14. Third-Party Services and Integrations

The Service integrates with and relies on third-party services, including but not limited to:

  • Authentication: Google OAuth for account login
  • Email providers: Gmail (Google), Outlook (Microsoft), Titan Mail, Zoho Mail
  • AI services: Anthropic Claude API
  • Infrastructure: Supabase (database and authentication), Vercel (hosting)
  • Other services: VAT validation providers, translation services, currency exchange rate providers, and other services as listed on our Sub-processors page

Your use of third-party services through our platform is subject to those services' own terms and privacy policies. We do not control and are not responsible for the availability, accuracy, or practices of third-party services. We are not liable for any damages arising from the unavailability or malfunction of third-party services.

15. Service Availability

We strive to maintain high availability of the Service but do not guarantee uninterrupted or error-free operation. The Service may be temporarily unavailable due to:

  • Scheduled maintenance (we will provide reasonable advance notice when possible)
  • Unplanned outages or technical issues
  • Force majeure events (see Section 22)
  • Actions by third-party service providers

We are not liable for any loss or damage resulting from Service downtime or unavailability.

16. Limitation of Liability

To the maximum extent permitted by applicable law:

  • The Service is provided "as is" and "as available" without warranties of any kind, whether express, implied, or statutory, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement
  • We do not warrant that the Service will meet your specific requirements, that AI-extracted data will be accurate, or that the Service will be uninterrupted or error-free
  • Our total aggregate liability arising out of or in connection with these Terms or the Service shall not exceed the amounts paid by you to us in the twelve (12) months preceding the event giving rise to the claim
  • We shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, business opportunities, or goodwill, even if we have been advised of the possibility of such damages

Nothing in these Terms excludes or limits our liability for:

  • Death or personal injury caused by our negligence
  • Fraud or fraudulent misrepresentation
  • Gross negligence or willful misconduct
  • Any other liability that cannot be excluded or limited under Bulgarian law or applicable EU law

Tax and financial disclaimer: The Service provides tools for managing financial records and tax calculations. It does not constitute financial, tax, legal, or accounting advice. Tax rates, VAT calculations, deadlines, and other tax-related information provided by the Service are for informational purposes only and may not reflect the most current legislation in your jurisdiction. You are solely responsible for:

  • The accuracy of all financial records, invoices, and tax filings created through the Service
  • Verifying all AI-extracted and auto-calculated amounts, tax rates, and totals before relying on them
  • Complying with all applicable tax, accounting, and financial reporting laws in your jurisdiction
  • Retaining copies of your financial and tax records as required by law, independently of the Service
  • Consulting qualified tax, legal, and accounting professionals for advice specific to your situation

We are not liable for any penalties, fines, losses, or damages resulting from inaccuracies in the data managed through the Service, whether caused by user input, AI extraction errors, or outdated tax rate information.

17. Indemnification

To the extent permitted by applicable law, you agree to indemnify, defend, and hold harmless the Company, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in connection with:

  • Your use of the Service in violation of these Terms
  • Your Content or any data you upload to the Service
  • Your violation of any applicable law or regulation
  • Your infringement of any third-party rights

This indemnification obligation does not apply to EU consumers to the extent it would be incompatible with mandatory consumer protection laws.

18. Suspension and Termination

By you: You may terminate your account at any time by using the account deletion feature in the Service or by contacting filip@joincove.io. Account deletion requires email verification and results in permanent deletion of all your data, as described in our Privacy Policy.

By us: We may suspend or terminate your access to the Service, in whole or in part, if:

  • You breach these Terms or the Acceptable Use Policy
  • We are required to do so by law or a court order
  • Your use of the Service poses a security risk or may harm other users
  • Your account has been inactive for an extended period (we will provide at least 30 days' notice before terminating inactive accounts)

Effect of termination:

  • Upon termination, your right to use the Service ceases immediately
  • We will retain your data for a reasonable period to allow you to export it, unless deletion is requested or legally required
  • Provisions of these Terms that by their nature should survive termination (including Sections 11, 12, 16, 17, and 20) will survive

19. Data Portability

You may export your data from the Service at any time through the export features provided in the application. Upon account termination, we will make your data available for export for a reasonable period before permanent deletion, unless you request immediate deletion.

20. Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of the Republic of Bulgaria, without regard to its conflict of law provisions. Where EU law provides mandatory protections (including consumer protection regulations), those protections apply regardless of the chosen governing law.

For EU consumers: You may bring proceedings in the courts of your country of residence. You also have the right to use the EU Online Dispute Resolution platform at https://ec.europa.eu/consumers/odr.

For all other users: Any dispute arising out of or in connection with these Terms that cannot be resolved amicably shall be submitted to the exclusive jurisdiction of the competent courts in Sofia, Bulgaria.

Nothing in this section limits your right to lodge a complaint with the Bulgarian Commission for Personal Data Protection (CPDP) or any other competent supervisory authority regarding data protection matters.

21. Changes to These Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by:

  • Sending an email to the address associated with your account
  • Displaying a prominent notice within the Service

Material changes take effect 30 days after notification, unless a longer period is required by law. Non-material changes (such as formatting or clarification) may take effect immediately.

Your continued use of the Service after the effective date of any changes constitutes acceptance of the modified Terms. If you do not agree with the changes, you must stop using the Service and may terminate your account.

22. Force Majeure

Neither party shall be liable for any failure or delay in performing its obligations under these Terms to the extent that such failure or delay results from circumstances beyond the reasonable control of the affected party, including but not limited to natural disasters, war, terrorism, pandemics, government actions, power failures, internet disruptions, or failures of third-party services.

23. General Provisions

  • Entire agreement: These Terms, together with the Privacy Policy, Cookie Policy, Acceptable Use Policy, and any applicable Data Processing Agreement, constitute the entire agreement between you and the Company regarding the Service
  • Severability: If any provision of these Terms is found to be invalid or unenforceable, that provision shall be enforced to the maximum extent permissible, and the remaining provisions shall remain in full force and effect
  • Waiver: Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision
  • Assignment: You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign our rights and obligations without restriction
  • No third-party beneficiaries: These Terms do not confer any rights on any third party
  • Language: These Terms are drafted in English. In the event of any conflict between the English version and any translation, the English version shall prevail

24. Contact

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

  • General inquiries: filip@joincove.io
  • Legal matters: filip@joincove.io
  • Data protection: filip@joincove.io