Terms & Conditions

Last updated: 9/1/2026

Welcome to kol.one ("kol.one," "we," "us," or "our"). These Terms & Conditions ("Terms") govern your access to and use of our website, subscription software, and related services (together, the "Service"). By creating an account or using the Service, you agree to these Terms. If you do not agree, please do not use the Service.

1. Who We Are

kol.one is a subscription-based software service provided by Kol One Services Limited, registered at Suite C, World Trust Tower, Hong Kong. You can reach us at support@kol.one.

2. Eligibility

You must be at least 16 years old and able to form a binding contract to use the Service. By using kol.one, you confirm this is true.

3. Your Account

• You're responsible for keeping your login credentials secure.
• You're responsible for all activity that happens under your account.
• Tell us immediately at support@kol.one if you suspect unauthorized access to your account.

4. Subscriptions & Billing

• kol.one is offered on a subscription basis. Plan options and pricing are shown at https://main.kol.one/?page=pricing at the time of purchase.
• Subscriptions renew automatically at the end of each billing period (monthly or annual, depending on your plan) unless cancelled before the renewal date.
• You can cancel anytime from your account settings or by emailing support@kol.one. Cancellation stops future billing; it does not retroactively refund the current billing period except as described in our Refund Policy.
• We may change subscription pricing. If we do, we'll notify you in advance, and the new price applies from your next renewal.

5. Access & Delivery

kol.one is a digital service delivered online - there is no physical shipping. Access is granted immediately after successful payment, via your account dashboard at https://main.kol.one/?page=login.

6. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose.
• Attempt to reverse-engineer, resell, or redistribute the Service without our written permission.
• Interfere with the Service's security or normal operation.
• Share account access in a way that violates your plan's seat/user limits.

We may suspend or terminate accounts that violate these Terms.

7. Intellectual Property

The Service, including its software, design, and content, is owned by Kol One Services Limited and protected by intellectual property laws. Your subscription gives you a limited, non-exclusive, non-transferable license to use the Service - it does not transfer ownership of any underlying technology or content to you.

8. Your Content

If you upload or submit content through kol.one, you retain ownership of it. You grant us a license to host, store, and process that content solely to provide the Service to you.

9. Disclaimers

The Service is provided "as is" and "as available." We do not guarantee that it will be uninterrupted, error-free, or fit for any particular purpose beyond what's stated in our marketing materials.

10. Limitation of Liability

To the maximum extent permitted by law, Kol One Services Limited is not liable for indirect, incidental, or consequential damages arising from your use of the Service. Our total liability for any claim is limited to the amount you paid us in the 3 months before the claim arose.

11. Changes to the Service or Terms

We may update the Service or these Terms from time to time. If changes are material, we'll notify you (e.g. by email or an in-app notice) before they take effect. Continued use after changes take effect means you accept the updated Terms.

12. Governing Law

These Terms are governed by the laws of Hong Kong, without regard to conflict-of-law principles. Since kol.one serves customers globally, nothing here limits any consumer protection rights you have under the mandatory laws of your own country of residence.

13. Contact

Questions about these Terms? Email us at support@kol.one.

Refund Policy

Last updated: 9/1/2026

We want you to be happy with kol.one. Here's exactly how refunds work.

1. 14-Day Money-Back Guarantee

If you're not satisfied with kol.one, you can request a full refund within 14 days of your first payment - no questions asked. This applies to your first subscription payment only (see section 3 for renewals).

To request a refund:

• Email support@kol.one with your account email and order/payment reference.
• We'll process approved refunds within 5–10 business days to your original payment method.

2. What's Covered

• First-time subscription payments, within 14 days of the charge date.

3. Subscription Renewals

The 14-day guarantee applies to your initial purchase. For recurring renewal charges (monthly or annual), we do not offer automatic refunds - please cancel before your renewal date if you no longer want to continue. If a renewal was charged in error (e.g. you cancelled but were still billed), contact us at support@kol.one and we'll investigate and refund if the error is confirmed.

4. How Refunds Are Paid

Refunds are issued to the original payment method used for the purchase, via our payment processor. Depending on your bank, it may take a few additional business days for the refund to appear on your statement.

5. Non-Refundable Situations

• Requests made after the 14-day window.
• Renewal charges where cancellation was not requested in time.
• Any add-on services explicitly marked as non-refundable at time of purchase.

6. Questions

If anything here is unclear, or your situation doesn't fit neatly into these categories, email us at support@kol.one - refund requests outside this policy are reviewed on a case-by-case basis.

Privacy Policy

Last updated: 9/1/2026

This Privacy Policy explains how Kol One Services Limited ("kol.one," "we," "us") collects, uses, and protects your personal data when you use kol.one. We serve customers globally and aim to meet the standards of major privacy laws, including the EU/UK GDPR and other applicable regional regulations.

1. What Data We Collect

• Account data: name, email address, password (encrypted), and billing details.
• Payment data: processed by our payment provider - we do not store full card numbers on our own servers.
• Usage data: how you interact with kol.one (pages visited, features used, device/browser type), typically collected via Google Analytics and Kol One Alalytics.
• Communications: messages you send us via support, email, or in-app chat.
• Cookies: small files used to keep you logged in, remember preferences, and understand product usage. See Section 6.

2. Why We Collect It

We use your data to:

• Provide and maintain the Service (create your account, process billing, deliver features).
• Communicate with you about your account, updates, or support requests.
• Improve the Service based on usage patterns.
• Send you marketing emails, only if you've opted in - you can unsubscribe anytime.
• Meet legal and tax obligations.

3. Legal Basis for Processing (for EU/UK users)

We process your data under one or more of the following legal bases: performance of a contract (providing the Service you signed up for), legitimate interest (improving and securing the Service), consent (marketing communications, certain cookies), and legal obligation (billing/tax records).

4. Who We Share Data With

We don't sell your personal data. We share it only with:

• Service providers who help us run kol.one - e.g. our payment processor for billing, AWS for infrastructure, Kol One Analytics for usage analytics, MS for transactional/marketing email.
• Law enforcement or regulators, if legally required.
• A successor entity, if kol.one is involved in a merger, acquisition, or sale of assets - you'd be notified of any such change.

5. International Data Transfers

Because kol.one operates globally, your data may be processed in countries outside your own, including Singapore. Where required, we rely on appropriate safeguards (such as Standard Contractual Clauses) for these transfers.

6. Cookies

We use cookies and similar technologies to keep you logged in, remember your preferences, and measure product usage. You can control cookies through your browser settings; disabling some cookies may affect how well the Service works.

7. Data Retention

We keep your account data for as long as your account is active, and for a reasonable period afterward to meet legal, tax, and dispute resolution needs. You can request deletion at any time (see Section 8).

8. Your Rights

Depending on where you live, you may have the right to:

• Access the personal data we hold about you.
• Correct inaccurate data.
• Request deletion of your data.
• Object to or restrict certain processing.
• Request a copy of your data in a portable format.
• Withdraw consent for marketing at any time.

To exercise any of these rights, email support@kol.one.

9. Security

We use reasonable technical and organizational measures (such as encryption in transit and access controls) to protect your data. No system is 100% secure, but we work to keep your information safe and will notify affected users if a breach poses a real risk to you, as required by law.

10. Children's Privacy

kol.one is not intended for children under 16. We do not knowingly collect data from children under this age.

11. Changes to This Policy

We may update this Privacy Policy from time to time. Material changes will be communicated via email or an in-app notice before they take effect.

12. Contact Us

Questions about this Privacy Policy or your data? Email us at support@kol.one.