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Terms of Use

Terms of Use

Welcome to Koosmik! These Terms of Use (“Terms”) govern your access to and use of the website, applications, and services provided by Koosmik (“the Service”). By accessing or using the Service, you agree to be bound by these Terms.

Acceptance of Terms

1.1. By accessing or using the Service, you confirm that you are of legal age and have the authority to enter into these Terms.

1.2. If you are accessing or using the Service on behalf of a company or organization, you represent and warrant that you have the authority to bind such entity to these Terms.

Description of Service

2.1. Koosmik provides payment infrastructure and services, as well as digitalization, data strategy, AI, and automation solutions.

2.2. The Service may include, but is not limited to, websites, applications, software, APIs, and other related tools and technologies.

User Responsibilities

3.1. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

3.2. You agree not to use the Service for any illegal or unauthorized purposes and to comply with all applicable laws and regulations.

3.3. You will not interfere with or disrupt the Service, its servers, networks, or any other user’s use of the Service.

3.4. You are solely responsible for any content you upload, post, or transmit through the Service, and you grant Koosmik a non-exclusive, worldwide, royalty-free license to use, reproduce, modify, adapt, publish, and distribute such content for the purpose of providing and improving the Service.

Intellectual Property

4.1. The Service and its content, including but not limited to text, graphics, logos, trademarks, and software, are the intellectual property of Koosmik and its licensors.

4.2. You agree not to modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products, or services obtained from or through the Service without the prior written consent of Koosmik.

Privacy and Data Protection

5.1. Koosmik respects your privacy and handles personal information in accordance with its Privacy Policy.

5.2. By using the Service, you consent to the collection, use, and sharing of your personal information as described in the Privacy Policy.

Limitation of Liability

6.1. The Service is provided on an “as is” and “as available” basis. Koosmik does not guarantee the accuracy, reliability, or availability of the Service or any content therein.

6.2. To the maximum extent permitted by law, Koosmik shall not be liable for any indirect, incidental, consequential, or exemplary damages arising out of or in connection with the use of the Service.

6.3. Koosmik’s total liability to you for any claims arising out of or relating to these Terms or the Service shall not exceed the fees paid by you, if any, to Koosmik for the use of the Service.


7.1. Koosmik reserves the right to suspend or terminate your access to the Service at any time and for any reason without prior notice.

7.2. You may terminate your use of the Service by discontinuing its access and ceasing to use any associated features.

7.3. Upon termination, your rights to use the Service will immediately cease, and you will no longer have access to your account or any data associated with it.

Changes to the Terms

8.1. Koosmik may modify these Terms at any time by posting the revised version on the Service or by providing notice through other means.

8.2. Your continued use of the Service after the effective date of any modifications to these Terms constitutes your acceptance of the revised Terms.

Governing Law and Dispute Resolution

9.1. These Terms and any dispute arising out of or in connection with these Terms shall be governed by and construed in accordance with the laws of Grand Duchy of Luxembourg.

9.2. Any disputes or claims arising out of or in connection with the Service or these Terms shall be resolved exclusively by the competent jurisdiction of the Grand Duchy of Luxembourg.


10.1. These Terms constitute the entire agreement between you and Koosmik regarding the Service and supersede any prior agreements or understandings.

10.2. If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue to be valid and enforceable to the fullest extent permitted by law.

10.3. Koosmik’s failure to enforce any right or provision of these Terms shall not be deemed a waiver of such right or provision.