Terms of Service
Version 2.2 — Effective September 26, 2026
These Terms of Service ("Terms") govern access to and use of Skofa (the "Service"), operated as Skofa ("Skofa", "we", "us", "our"). By creating a Skofa account, or by using the Service, you agree to these Terms and to the Privacy Policy, which is incorporated by reference. If you are creating an account on behalf of a business, you represent that you have authority to bind that business, and "you" refers to that business as well as the individual acting on its behalf.
1. Acceptance of these Terms
You must accept these Terms to create an account. If you do not agree, do not create an account or otherwise use the Service. Continued use of the Service after a new version of these Terms takes effect constitutes acceptance of that version.
2. The Service
Skofa is an AI workforce orchestration platform. It helps a business understand its own operations, connect its existing data and software, configure AI agents to perform real work on the business's behalf, and supervise that work — subject to the permissions, autonomy level, and approval settings the business itself configures for each agent. Skofa is not a general-purpose chatbot; every agent action is scoped to the tools, data, and permission grants the business has explicitly authorized.
3. Account registration
You must provide accurate, current information when creating an account and keep it up to date. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. Notify us promptly through the in-app support channel if you believe your account has been compromised.
4. Business and customer responsibilities
You are responsible for: the accuracy and legality of the business data you connect to or enter into Skofa; obtaining any consents or rights necessary to connect third-party systems and data (including customer, employee, or vendor data) to the Service; configuring agent permissions and approval requirements appropriate to your own risk tolerance; and reviewing and approving any agent action that your configuration routes to you for approval. Skofa is a tool you configure and supervise — it does not assume responsibility for business decisions you choose to delegate to it at a given autonomy level.
5. Acceptable use
You agree not to: use the Service to violate any applicable law or the rights of a third party; upload or transmit malicious code; attempt to gain unauthorized access to any part of the Service, another tenant's data, or Skofa's underlying infrastructure; attempt to circumvent tenant isolation, rate limits, or permission scopes; use the Service to send unsolicited communications; or reverse-engineer the Service except to the extent applicable law expressly permits. We may suspend or terminate access for a violation of this section, as described in Section 17.
6. AI-generated output and its limitations
Skofa's agents use third-party AI models to analyze data, generate recommendations, and — where you have configured the necessary permissions and tools — take real actions. AI-generated output, including recommendations, analysis, and drafted content, may be inaccurate, incomplete, or inappropriate for your specific situation, and is provided without warranty of accuracy or fitness for a particular purpose. Skofa's own architecture distinguishes, where practical, between information verified from your connected data and AI-generated inference or assumption, but you remain responsible for reviewing AI-generated output before relying on it for a consequential business, legal, financial, or compliance decision, and for configuring human-approval requirements on any agent action you are not comfortable delegating fully.
7. Your data and content
You retain all ownership rights in the business data, documents, and content you connect to or upload into Skofa ("Your Content"). You grant Skofa a limited license to access, process, store, and transmit Your Content solely to provide and improve the Service to you, as described in the Privacy Policy. We do not use one business's data to train models for or otherwise benefit another business, and we do not sell Your Content. You may request export or deletion of Your Content at any time through account settings, as described in Section 6 of the Privacy Policy.
8. Integrations and third-party services
The Service allows you to connect third-party systems (for example, an accounting system, a CRM, or a custom API) using credentials you control. Connecting a third-party service means Skofa accesses and processes data from that service on your instruction. Skofa is not responsible for the availability, accuracy, or conduct of third-party services you choose to connect, and your use of those services remains subject to their own terms. You may disconnect an integration and revoke its stored credentials at any time from the integrations page.
9. Subscription plans and billing
Skofa offers subscription plans with different features, usage limits, and prices, described on the pricing page and in your account's billing settings. We may introduce, modify, or retire plans over time. If we change the price of a plan you are already subscribed to, your existing subscription keeps its current price until you voluntarily change plans — a price change is never applied to you silently or retroactively.
10. Payment obligations
Paid plans are billed in advance on a recurring basis, in Ghanaian Cedi (GH₵) unless otherwise stated, through our payment processor. You authorize us and our payment processor to charge your chosen payment method for all fees due under your selected plan. If a recurring charge fails, we will attempt to notify you and provide a reasonable grace period before reducing your account to the Free plan; continued failure to pay after that grace period may result in downgrade or suspension as described in Section 17.
11. Cancellation
You may cancel a paid subscription at any time from your billing settings. Cancelling stops future billing — Skofa disables the corresponding subscription with our payment processor at the time you cancel, so you are not charged again. You keep the features and limits of your current plan through the end of the billing period you already paid for; your account then moves to the Free plan automatically. Cancelling does not, by itself, delete Your Content — see Section 6 of the Privacy Policy for how to request deletion.
12. Refunds
Fees already paid are generally non-refundable, except where required by applicable law or at Skofa's discretion in cases of a genuine billing error. If you believe you were charged in error, contact us through the in-app support channel with the relevant invoice details and we will review the charge against our payment processor's records.
13. Service availability
We aim to keep the Service reliably available but do not guarantee uninterrupted, error-free operation. We may perform maintenance, and third-party services the Service depends on (including AI model providers and payment processing) may themselves experience outages outside our control. Section 19 describes the limits of our liability for any resulting disruption.
14. Intellectual property
Skofa and its licensors retain all rights, title, and interest in and to the Service itself — its software, design, and underlying technology — excluding Your Content. Nothing in these Terms transfers any Skofa intellectual property to you except the limited right to use the Service as described here.
15. Skofa's rights to operate and improve the Service
We may modify, add to, or remove features of the Service, including to improve reliability, security, or performance, or to comply with legal requirements. We will provide reasonable notice of material changes that reduce the functionality of a plan you are subscribed to, where practical.
16. Security responsibilities
We maintain technical and organizational measures appropriate to the sensitivity of the data we process, described further in Section 8 of the Privacy Policy. You are responsible for the security of your own account credentials, for granting agent permissions and integration access appropriate to your own risk tolerance, and for promptly revoking access (for a departed employee, a compromised credential, or a no-longer-needed integration) through account settings.
17. Suspension and termination
We may suspend or terminate your access to the Service if you materially violate these Terms, if required by law, or if your account has unresolved non-payment beyond the grace period described in Section 10. You may stop using the Service and request deletion of your account and data at any time through account settings, subject to the deletion process described in the Privacy Policy. Sections of these Terms that by their nature should survive termination (including Sections 10 through 12, 14, 16, and 19 through 22) continue to apply after termination.
18. Disclaimers
The Service is provided "as is" and "as available." To the maximum extent permitted by applicable law, Skofa disclaims all warranties, express or implied, including any implied warranty of merchantability, fitness for a particular purpose, or non-infringement, and does not warrant that the Service, or any AI-generated output produced through it, will be error-free, uninterrupted, or fit for any specific business, legal, financial, or regulatory purpose.
19. Limitation of liability
To the maximum extent permitted by applicable law, Skofa and its officers, employees, and licensors will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or business opportunity, arising out of or relating to your use of the Service, including reliance on AI-generated output or actions taken by an agent within the permissions you configured. To the extent liability cannot be excluded, Skofa's total liability arising out of or relating to these Terms or the Service is limited to the amount you paid Skofa for the Service in the twelve (12) months preceding the event giving rise to the claim.
20. Indemnification
You agree to indemnify and hold Skofa harmless from any claim, loss, or damage, including reasonable legal fees, arising from: Your Content; your violation of these Terms; your violation of applicable law; or your configuration of an agent's autonomy, permissions, or approval requirements in a way that results in an action you did not intend but had the authority to prevent through your own settings.
21. Changes to the Service and these Terms
We may update these Terms from time to time. When we publish a new version, we will present it for renewed acceptance before it takes effect for your account, and your prior acceptance of an earlier version remains on record as described in the Privacy Policy. If you do not agree to a new version, you may stop using the Service and request deletion of your account as described in Section 17.
22. Governing law
These Terms are governed by the laws of Ghana, without regard to conflict-of-law principles, reflecting Skofa's real operating jurisdiction (billing is conducted in Ghanaian Cedi through a Ghana-based payment processor). Any dispute arising out of or relating to these Terms or the Service will be subject to the exclusive jurisdiction of the courts of Ghana, except where applicable law provides otherwise.
23. Operating entity
Skofa is operated by Skofa Agent Systems, a registered business in the Republic of Ghana. These Terms have been reviewed by legal counsel and approved for use.
24. Contact
Questions about these Terms can be sent through the in-app support channel, available to every account holder from within the Service, or to admin@skofa.systems.