Terms & Conditions

Kuraa AI is an artificial-intelligence assistant focused on Dhivehi and English communication for users in the Maldives and related contexts. The Platform provides chat, translation and writing assistance, session and project organization, subscription plans with usage credits, and hosted payment flows when you are signed in.

When you purchase a paid plan, you are buying a time-limited subscription (monthly or yearly, as selected) that grants usage credits and access to paid features described on the pricing page and in your account. Credits and features may vary by plan.

We may update, add, or remove features at any time. Beta or experimental features may be offered without warranty and may change or be withdrawn without notice.

You must be at least 13 years old (or the minimum age required in your jurisdiction) to use the Service. If you are under 18, you represent that you have permission from a parent or legal guardian. You must provide accurate registration information and keep it up to date.

The Service is not intended for regulated professional advice (including legal, medical, or financial advice). You are responsible for how you use outputs in your own decisions and obligations.

You may register with an email and password and/or sign in through supported authentication options where available. You are responsible for maintaining the confidentiality of your credentials and for all activity under your account. Notify us promptly if you suspect unauthorized access.

We may use security measures on sign-up and sign-in to reduce abuse. You must complete email verification when required before full access is granted.

You may link or unlink a third-party account subject to availability. Each linked account may only be associated with one Kuraa AI user.

You agree not to:

• Use the Service for unlawful, harmful, harassing, defamatory, or fraudulent purposes;
• Attempt to bypass usage limits, authentication, or security controls;
• Scrape, reverse engineer, or overload the Platform except as permitted by law;
• Upload malware or content that infringes others’ rights or violates applicable law;
• Use the Service to generate spam, malware, or content that exploits minors; or
• Resell or sublicense access to the Service without our written consent.

We may suspend or terminate access for conduct that violates these Terms or poses risk to the Service or other users.

Responses are generated by artificial intelligence and may be inaccurate, incomplete, or outdated. You should verify important information independently, especially for Dhivehi spelling, translation nuance, and factual claims.

You may provide feedback on messages to help improve the Service. Feedback and conversation data may be stored and processed as described in our Privacy Policy.

Kuraa AI offers free and paid subscription plans. Plans include usage limits (credits) per billing period. When limits are reached, chat and related features may be restricted until your plan renews or you upgrade.

Paid subscriptions are processed through Bank of Maldives Connect / MasterCard Payment Gateway Services (MPGS) hosted checkout. By subscribing, you authorize charges in Maldivian Rufiyaa (MVR) for the plan and billing interval you select (for example, monthly or yearly). The merchant outlet country for these transactions is the Republic of Maldives (Loopcraft / Kuraa AI). Card details are entered only on the bank’s secure payment page; we do not collect or store full payment card numbers on our servers where tokenization is used.

Prices, credits, and plan features shown on the pricing page may change. We will use reasonable efforts to reflect current pricing and the total transaction amount before you confirm payment. Saved cards and renewals are handled according to our payment integration; recurring charges may apply until you cancel as described below.

Before completing a paid subscription, you must affirmatively accept these Terms and our Privacy Policy. Failure to pay or chargebacks may result in suspension of paid features.

Delivery (digital services): Access to paid features and plan credits is delivered digitally. After successful payment confirmation from our payment provider, your account is updated and access typically begins immediately (or within a short processing window). There is no physical shipment. There is no product exchange for digital subscriptions.

Cancellation: You may cancel renewals or manage payment methods from account/subscription settings where available, or by contacting us using the details in Section 17. Cancellation stops future renewals; it does not automatically refund the current paid period unless required by law or we agree otherwise in writing.

Refunds: Except where Maldivian (or other mandatory) consumer law requires a refund, or where we expressly agree in writing, paid subscription fees are non-refundable once payment is confirmed and access or credits have been granted. Chargebacks without valid cause may result in account suspension.

Kuraa AI is a digital software/SaaS service. We do not ship physical goods. No customs duties, import, or export charges apply to subscriptions purchased through the Platform. You remain responsible for complying with any laws that apply to your use of online services in your jurisdiction.

We recommend that you retain a copy of each transaction record (including payment confirmation and receipt details) and a copy of these Terms, our Privacy Policy, and related Policies and Rules for your records. You may also request payment history through your account where available.

The Platform, Kuraa AI branding, and software are owned by us or our licensors and protected by intellectual-property laws. These Terms do not grant you ownership of the Service—only a limited, revocable right to use it as intended.

Subject to these Terms, you retain rights in content you submit. You grant us a worldwide, non-exclusive license to host, process, transmit, and display your inputs and outputs as needed to operate, secure, and improve the Service (including training and evaluation only where permitted by law and our privacy commitments).

Chat messages, session titles, projects, file attachments you upload, subscription status, and payment metadata are stored and processed as part of Kuraa AI. Sessions can be renamed, pinned, archived, or deleted subject to features available in the app.

We implement reasonable technical and organizational measures to protect data, but no system is completely secure. You are responsible for not submitting highly sensitive personal data (such as national ID numbers, passwords, or health records) unless you accept the associated risk.

See our Privacy Policy for more detail on collection, retention, and your rights.

The Service relies on third-party providers, including:

• Authentication providers;
• Bank of Maldives Connect / MPGS for card payments;
• Infrastructure and hosting providers.

Your use of those services may be subject to their own terms and privacy policies. We are not responsible for third-party outages or policy changes beyond our reasonable control.

We strive for reliable uptime but do not guarantee uninterrupted access. Maintenance or payment gateway issues may cause delays or unavailability.

We may modify these Terms by posting an updated version on the Platform with a new “Last updated” date. Material changes may require renewed acceptance for paid features.

You may stop using the Service at any time. We may suspend or terminate access if you violate these Terms, if required by law, or if we discontinue the Service. Provisions that by nature should survive (including intellectual property, disclaimers, and liability limits) will survive termination.

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT OUTPUTS WILL BE ACCURATE OR ERROR-FREE.

OUR TOTAL LIABILITY FOR ANY CLAIM RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US FOR THE SERVICE IN THE TWELVE (12) MONTHS BEFORE THE CLAIM OR (B) USD 100 (OR MVR EQUIVALENT), WHICHEVER IS GREATER, UNLESS MANDATORY LAW REQUIRES OTHERWISE.

These Terms are governed by the laws of the Republic of Maldives, without regard to conflict-of-law rules. Disputes will be subject to the exclusive jurisdiction of the courts of Malé, Maldives, unless mandatory consumer protection law in your country requires otherwise.

For questions about these Terms, billing, customer service, or your account, contact:

Kuraa AI
Operated by Loopcraft
G. Makhmaage, 9th Floor
Faashanaa Kilege Magu
Malé 20141, Republic of Maldives
Email: [email protected]
Phone: +960 3009001