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Terms of Service

Effective Date: November 2, 2025

Service Provider:
KariaTech OÜ
Tallinn, Kesklinna linnaosa, Ahtri tn 12
15551 Estonia

1. Acceptance of Terms

By accessing or using Chato Pro ("the Service"), operated by KariaTech OÜ, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not use the Service.

2. Description of Service

Chato Pro is a Software-as-a-Service (SaaS) platform that allows users to manage WhatsApp sessions, automate responses using AI-powered chatbots, and manage customer communications. The Service integrates with WhatsApp Web and uses third-party AI services.

3. User Obligations and Acceptable Use

You agree to:

  • Comply with all applicable laws and regulations, including GDPR and local data protection laws
  • Comply with WhatsApp's Terms of Service and Business Policy
  • Use the Service only for lawful business purposes
  • Not use the Service for spam, harassment, or unsolicited communications
  • Not attempt to reverse engineer, decompile, or hack the Service
  • Not share your account credentials with unauthorized parties
  • Maintain the security of your account and WhatsApp sessions

4. Third-Party Dependencies

The Service relies on third-party platforms including WhatsApp, OpenAI, Firebase, and payment processors. We are not responsible for disruptions caused by these third parties. Your use of WhatsApp through our Service is subject to WhatsApp's own Terms of Service.

5. Account Registration and Security

You must provide accurate information during registration. You are responsible for maintaining the confidentiality of your account credentials and for all activities under your account. You must notify us immediately of any unauthorized access.

6. Subscription and Payment

The Service is provided on a subscription basis. Pricing is displayed on our website. Payments are processed through Paddle, our payment processor. By subscribing, you authorize recurring charges to your payment method. You may cancel your subscription at any time through your account settings.

7. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CHATO PRO AND ITS OPERATORS SHALL NOT BE LIABLE FOR:

  • Any indirect, incidental, special, consequential, or punitive damages
  • Loss of profits, revenue, data, or business opportunities
  • Service interruptions, errors, or data loss
  • Actions or inactions of third-party services (WhatsApp, OpenAI, etc.)
  • Account suspension or termination by WhatsApp
  • Chatbot responses or AI-generated content
  • Unauthorized access to your account or data

OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID FOR THE SERVICE IN THE 12 MONTHS PRECEDING THE CLAIM.

8. Disclaimer of Warranties

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. WE DO NOT GUARANTEE UNINTERRUPTED, SECURE, OR ERROR-FREE SERVICE.

9. Service Availability

We strive for high availability but do not guarantee 100% uptime. We may temporarily suspend the Service for maintenance, updates, or security reasons without prior notice. We are not liable for any damages resulting from service unavailability.

10. Data Backup and Loss

While we implement reasonable backup procedures, you are responsible for maintaining your own backups of critical data. We are not liable for data loss due to system failures, user error, or third-party issues.

11. Intellectual Property

All intellectual property rights in the Service, including software, design, and content, belong to Chato Pro or its licensors. You are granted a limited, non-exclusive, non-transferable license to use the Service for its intended purpose.

12. Termination

We may suspend or terminate your account at any time for violations of these Terms, suspicious activity, or at our sole discretion. You may terminate your account at any time by canceling your subscription. Upon termination, your access to the Service and data will be removed.

13. Indemnification

You agree to indemnify and hold harmless Chato Pro, its operators, employees, and affiliates from any claims, damages, losses, or expenses (including legal fees) arising from your use of the Service, violation of these Terms, or infringement of any third-party rights.

14. Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated effective date. Continued use of the Service after changes constitutes acceptance of the new Terms.

15. Governing Law and Jurisdiction

These Terms are governed by the laws of Estonia and the European Union. Any disputes shall be resolved in the courts of Estonia.

16. Contact Information

For questions about these Terms, please contact:

KariaTech OÜ
Tallinn, Kesklinna linnaosa, Ahtri tn 12
15551 Estonia

Or reach us through the support options available on our website.

Privacy Policy

Effective Date: November 2, 2025

This Privacy Policy describes how Chato Pro ("we", "us", or "our") collects, uses, and protects your personal information in compliance with the General Data Protection Regulation (GDPR) and other applicable data protection laws.

1. Data Controller

The data controller responsible for your personal data is:

KariaTech OÜ
Tallinn, Kesklinna linnaosa, Ahtri tn 12
15551 Estonia

For data protection inquiries, please contact us through the support channels on our website.

2. Information We Collect

2.1 Account Information

  • Email address (for authentication)
  • Name and profile information (from Google Sign-In)
  • Payment information (processed by Paddle, our payment processor)
  • Subscription and billing details

2.2 WhatsApp Data

  • WhatsApp session authentication data (stored locally in your browser)
  • Chat messages and contact information (processed for chatbot functionality)
  • Message metadata (timestamps, sender/receiver information)
  • Media files (if uploaded for chatbot training)

2.3 Usage Data

  • Session statistics (message counts, active sessions)
  • Device information and browser type
  • IP address and access logs
  • Chatbot interaction data

3. Legal Basis for Processing (GDPR)

We process your data based on:

  • Contract Performance: To provide the Service you subscribed to
  • Consent: For optional features like push notifications
  • Legitimate Interest: For security, fraud prevention, and service improvement
  • Legal Obligation: To comply with tax and regulatory requirements

4. How We Use Your Information

  • To provide and maintain the Service
  • To authenticate your account and manage subscriptions
  • To process WhatsApp messages and power AI chatbot responses
  • To send service notifications and updates
  • To analyze usage patterns and improve the Service
  • To prevent fraud and ensure security
  • To comply with legal obligations

5. Third-Party Services

We use the following third-party services:

  • Firebase (Google): Authentication and user management
  • MongoDB Atlas: Database hosting
  • OpenAI: AI chatbot responses (message content is sent to OpenAI API)
  • Paddle: Payment processing
  • WhatsApp Web: Message transmission (subject to WhatsApp's Privacy Policy)

Each service has its own privacy policy. We use Data Processing Agreements (DPAs) where available to ensure GDPR compliance.

6. Data Storage and Security

  • Data is stored on secure servers in EU or GDPR-compliant jurisdictions
  • We use encryption for data in transit (HTTPS/TLS) and at rest
  • Access controls and authentication protect against unauthorized access
  • WhatsApp session data is stored locally in your browser
  • We implement regular security audits and monitoring

7. Data Retention

  • Account data: Retained while your account is active
  • Message data: Retained as necessary for chatbot functionality
  • Usage logs: Retained for up to 12 months for security purposes
  • Billing records: Retained for 7 years for tax compliance

Upon account deletion, personal data is removed within 30 days, except where retention is legally required.

8. Your Rights Under GDPR

You have the right to:

  • Access: Request a copy of your personal data
  • Rectification: Correct inaccurate or incomplete data
  • Erasure: Request deletion of your data ("right to be forgotten")
  • Restriction: Limit how we process your data
  • Portability: Receive your data in a machine-readable format
  • Object: Object to processing based on legitimate interests
  • Withdraw Consent: Withdraw consent for optional processing
  • Complain: Lodge a complaint with your local data protection authority

To exercise these rights, contact us through the support channels on our website. We will respond within 30 days.

9. Cookies and Tracking

We use essential cookies for:

  • Session management and authentication
  • User preferences and settings
  • Security and fraud prevention

We do not use third-party advertising cookies. You can control cookies through your browser settings, but disabling essential cookies may affect Service functionality.

10. International Data Transfers

Data may be transferred outside the EU to service providers (e.g., OpenAI in the US). We ensure appropriate safeguards through Standard Contractual Clauses (SCCs) or adequacy decisions as required by GDPR.

11. Children's Privacy

The Service is not intended for users under 16 years of age. We do not knowingly collect data from children. If you believe a child has provided us with personal data, please contact us.

12. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date. We will notify you of significant changes via email or Service notification.

13. Contact Us

For privacy inquiries or to exercise your rights, please contact:

KariaTech OÜ
Tallinn, Kesklinna linnaosa, Ahtri tn 12
15551 Estonia

Or reach us through the support options available on our website.

Refund Policy

Effective Date: November 2, 2025

Service Provider:
KariaTech OÜ
Tallinn, Kesklinna linnaosa, Ahtri tn 12
15551 Estonia

1. General Refund Policy

Chato Pro, operated by KariaTech OÜ, operates on a subscription-based model. All payments are processed through Paddle, our authorized payment processor. Refunds are handled on a case-by-case basis in accordance with this policy.

2. Subscription Billing

  • Subscriptions are billed monthly or annually, depending on your chosen plan
  • Billing occurs automatically at the start of each billing cycle
  • You will receive an invoice from Paddle for each payment
  • Prices are displayed on our pricing page and confirmed at checkout

3. Cancellation Policy

You may cancel your subscription at any time through your account settings on the Billing page. Cancellation will take effect at the end of your current billing period. You will retain access to the Service until the end of the paid period.

No partial refunds are provided for cancellations mid-cycle. If you cancel on day 15 of a 30-day billing cycle, you will continue to have access until day 30, but no refund will be issued for the remaining 15 days.

4. Refund Eligibility

Refunds may be granted in the following circumstances:

4.1 Service Issues

  • Extended Service Outage: If the Service is unavailable for more than 24 consecutive hours due to our technical issues (excluding maintenance windows or third-party failures like WhatsApp downtime)
  • Critical Feature Failure: If a core advertised feature is completely non-functional and we cannot resolve it within 7 days

4.2 Billing Errors

  • Duplicate charges or unauthorized transactions
  • Incorrect pricing applied to your account
  • Charges after subscription cancellation (grace period applies)

4.3 First Payment Refund Window

New customers may request a refund within 7 days of their first payment if they are dissatisfied with the Service. This applies only to the first billing cycle.

5. Non-Refundable Situations

Refunds will NOT be granted for:

  • Change of mind or "didn't use the service enough"
  • Failure to cancel before the next billing cycle
  • Issues caused by third-party services (WhatsApp, OpenAI, etc.)
  • WhatsApp account suspension or ban (we have no control over WhatsApp policies)
  • User error or misconfiguration
  • Violation of our Terms of Service resulting in account termination
  • Internet connectivity issues on the user's end
  • Device or browser compatibility issues
  • Dissatisfaction with AI chatbot responses (quality depends on OpenAI)

6. Prorated Refunds

We generally do not offer prorated refunds. In exceptional circumstances (e.g., extended service outage caused by us), we may issue a partial refund calculated on a daily basis for the period the Service was unavailable.

7. How to Request a Refund

To request a refund:

  1. Contact our support team through the channels available on our website
  2. Provide your account email and transaction details (order number from Paddle)
  3. Explain the reason for your refund request with supporting details

Refund requests will be reviewed within 5-7 business days. If approved, the refund will be processed through Paddle and returned to your original payment method within 5-10 business days.

8. EU Consumer Rights

Under EU Directive 2011/83/EU (Consumer Rights Directive), consumers have a 14-day withdrawal period for online purchases. However, by using the Service during this period, you expressly agree to waive your right of withdrawal for digital content that has been performed.

If you sign up but do not use the Service (do not create any sessions or connect WhatsApp), you may exercise your EU withdrawal right within 14 days of purchase for a full refund.

9. Chargebacks

If you initiate a chargeback with your bank or card issuer without first contacting us, your account will be immediately suspended pending investigation. Fraudulent chargebacks may result in permanent account termination and may affect your ability to use our Service in the future.

We strongly encourage you to contact us directly to resolve any billing disputes before initiating a chargeback.

10. Subscription Downgrades

If you downgrade from a higher-tier plan to a lower-tier plan, the change will take effect at the start of your next billing cycle. No refund is provided for the difference in price for the current billing period.

11. Changes to This Policy

We reserve the right to modify this Refund Policy at any time. Changes will be posted on this page with an updated effective date. Continued use of the Service after changes constitutes acceptance of the updated policy.

12. Contact Us

For refund inquiries or billing questions, please contact:

KariaTech OÜ
Tallinn, Kesklinna linnaosa, Ahtri tn 12
15551 Estonia

Or reach us through the support options available on our website or contact Paddle support directly.

Last updated: November 2, 2025