Terms of Service

By creating an account or using BOHIO (the “Service”), you agree to these Terms of Service (“Terms”) on behalf of yourself and any organisation you represent. If you do not agree, do not use the Service. The Service is operated by BOHIO SYSTEMS LTD(“BOHIO”, “we”, “our”).

BOHIO is a SaaS platform for real-estate financial modelling. Users upload Excel-based pro-forma models; the Karaya AI assistant (powered by Anthropic Claude) analyses those models, answers questions about them, and proposes formula-safe edits. BOHIO does not provide financial advice — see Section 9.

3.1 Plans and Pricing

BOHIO offers the following subscription tiers, billed monthly in USD:

• Free — $0/month. Access to core modelling features with limits described on the pricing page.
• Pro — $18/month. Expanded model limits, priority AI processing, and extended audit history.
• Max — $88/month. Unlimited models, maximum AI capacity, and full audit retention.

3.2 Automatic Renewal

Paid subscriptions renew automatically at the end of each monthly billing period. Your payment method on file is charged via Airwallex Billing at the then-current plan rate unless you cancel before the renewal date. You authorise BOHIO and Airwallex to charge your saved payment source without further action on your part.

3.3 Cancellation

You may cancel your subscription at any time from your account Settings page. Cancellation takes effect at the end of the current paid billing period; you retain access to paid features until that date. No partial-month refunds are issued for unused time after cancellation.

3.4 Plan Changes

Upgrades take effect immediately and are billed on a prorated basis for the remainder of the current period. Downgrades take effect at the start of the next billing period.

3.5 Refund Policy

Subscription fees are non-refundable except where required by applicable law or at BOHIO's sole discretion in cases of documented service failure. Contact hello@bohiotech.com within 14 days of the charge to request a review.

3.6 Payment Processing

Payments are processed by Airwallex. BOHIO servers never receive, store, or process raw card data; all card entry occurs on Airwallex-hosted surfaces. By subscribing you also agree to Airwallex's terms and privacy policy.

You agree not to:

• Use the Service to upload, process, or generate content that violates any applicable law or the rights of any third party.
• Attempt to reverse-engineer, scrape, or reproduce any part of the BOHIO platform or its underlying models.
• Share your account credentials or permit access to the Service by unauthorised parties.
• Use the Service to generate financial projections or reports intended to mislead investors or violate securities laws.
• Transmit malware, spam, or other harmful code through the Service.
• Circumvent rate limits, access controls, or other technical safeguards.

BOHIO reserves the right to suspend or terminate accounts that violate this policy without prior notice.

5.1 Your Content

You retain full ownership of all Excel models, documents, and other content you upload to the Service (“User Content”). You grant BOHIO a limited, non-exclusive licence to host, process, and transmit your User Content solely as necessary to provide the Service. This licence terminates when you delete your content or your account.

5.2 BOHIO Platform

The BOHIO platform, including its software, design, trademarks, and all content produced by BOHIO (excluding User Content), is owned by BOHIO SYSTEMS LTD and protected by intellectual-property law. You may not copy, modify, or create derivative works of the platform without written permission.

5.3 Feedback

Any feedback, suggestions, or ideas you submit about the Service may be used by BOHIO without restriction or compensation to you.

The Karaya AI assistant is powered by Anthropic Claude. When you interact with Karaya — including sending chat messages and uploading model files — that content is transmitted to Anthropic as a subprocessor for the sole purpose of generating AI responses within the Service.

BOHIO does not use your uploaded models, formulas, or chat history to train its own AI models or Anthropic's foundation models. Anthropic's data-handling obligations are governed by our data-processing agreement with them; your content is processed only as necessary to fulfil your request and is subject to Anthropic's API data-use policy.

AI outputs are generated probabilistically and may contain errors, omissions, or inaccuracies. You are responsible for reviewing any AI-generated suggestions before incorporating them into your models or relying on them for any purpose.

BOHIO uses the following third-party subprocessors to deliver the Service:

• Supabase — database, authentication, and file storage.
• Anthropic — AI processing of user content and prompts (see Section 6).
• Airwallex — payment processing (card data never touches BOHIO infrastructure).
• Vercel — application hosting and edge delivery.
• Resend — transactional email (account confirmation, notifications).
• Upstash — rate limiting and session-level counters.

Our full data-handling practices are described in the Privacy Policy. In summary:

• Access & Export — you may request a copy of your personal data and uploaded models at any time by contacting hello@bohiotech.com.
• Correction — you may update your profile information from the Settings page.
• Deletion — you may delete your account from Settings. Deletion removes your models, chat history, and profile data. Billing records are retained as required by applicable law and accounting regulations.
• GDPR / Data-Subject Rights — if you are located in the European Economic Area or United Kingdom, you have additional rights under the GDPR and UK GDPR including the right to restrict processing and the right to lodge a complaint with your supervisory authority. Contact hello@bohiotech.com to exercise any of these rights.

THE SERVICE IS PROVIDED FOR INFORMATIONAL AND PRODUCTIVITY PURPOSES ONLY. NOTHING ON THE BOHIO PLATFORM CONSTITUTES FINANCIAL ADVICE, INVESTMENT ADVICE, LEGAL ADVICE, OR ANY OTHER PROFESSIONAL ADVICE.

AI-generated outputs, financial projections, and model analyses produced by the Service are illustrative only. They may contain errors and should not be relied upon as the sole basis for any investment, financial, or business decision. Always verify outputs independently and consult qualified professional advisers before acting on any information produced by the Service.

BOHIO expressly disclaims any liability for decisions made based on outputs from the Service.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

• THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
• BOHIO SYSTEMS LTD AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF OR INABILITY TO USE THE SERVICE.
• BOHIO'S TOTAL AGGREGATE LIABILITY TO YOU FOR ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID TO BOHIO IN THE 12 MONTHS PRECEDING THE CLAIM OR (B) £100 GBP.

Some jurisdictions do not allow the exclusion or limitation of certain warranties or liabilities; the above limitations apply to the fullest extent permitted by your local law.

You agree to indemnify and hold harmless BOHIO SYSTEMS LTD and its affiliates, officers, employees, and agents from any claims, damages, losses, liabilities, and costs (including reasonable legal fees) arising from: (a) your use of the Service in violation of these Terms; (b) your User Content; or (c) your violation of any third-party rights.

User Content (models, chat history, profile) is retained for as long as your account is active. Upon account deletion, User Content is removed within 30 days from production systems and within 90 days from backup systems.

Billing records and transaction logs are retained for a minimum of 7 years in accordance with accounting and legal obligations, regardless of account status.

Aggregate, anonymised usage statistics that cannot be linked to individual users may be retained indefinitely for product improvement purposes.

BOHIO uses only essential cookies required to operate the Service, including authentication session tokens and security tokens. We do not use advertising or tracking cookies. Essential cookies cannot be disabled without disrupting the Service.

BOHIO may update these Terms from time to time. If we make material changes, we will provide notice by email or by a prominent notice on the Service at least 14 days before the changes take effect. Your continued use of the Service after the effective date constitutes acceptance of the revised Terms.

Either party may terminate these Terms at any time. You may terminate by deleting your account. BOHIO may terminate or suspend your access for breach of these Terms, non-payment, or any other reason with reasonable notice (except where immediate termination is necessary due to illegal activity or security risk).

On termination, your right to use the Service ceases immediately. Sections 5 (IP), 6 (AI disclosure), 9 (disclaimer), 10 (liability), 11 (indemnification), 15 (termination), and 16 (governing law) survive termination.

These Terms are governed by and construed in accordance with the laws of the jurisdiction in which BOHIO SYSTEMS LTD is registered. The parties submit to the exclusive jurisdiction of the courts of that jurisdiction for resolution of any dispute arising under these Terms.

Note: governing law jurisdiction to be confirmed upon company registration completion.

Questions about these Terms should be directed to: