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Oktra Terms of Service

Last updated 2026-07-23

Last updated: 2026-07-23 Applies to: the Oktra application (app.oktra.ai) and related services ("Oktra", "we", "us") Contact: privacy@oktra.ai

Published at https://oktra.ai/legal/terms. This file is the source of truth; republish on any edit.

These Terms of Service ("Terms") govern your access to and use of Oktra. By creating an account or using the service, you agree to these Terms. If you do not agree, do not use Oktra.

These Terms work alongside three other documents you should read: the Privacy Policy, the DPA and Sub-processors list, and the Service Disclaimer that you accept before first use. Where those documents cover a topic in detail, these Terms refer to them rather than repeat them.

1. What Oktra is

Oktra is accounting software. It does your bookkeeping by reading financial data from systems you choose to connect - your accounting platform (such as QuickBooks Online or Informer) and your bank accounts (via connections you authorize) - and then categorizing transactions, proposing accounting entries you approve, reconciling accounts, and producing financial reports for you.

Oktra is read-only with respect to your money. Oktra does not hold your money, never initiates or moves money, does not make payments, and is not a bank, payment institution, or e-money provider. Bank connections retrieve transaction data only. Nothing in Oktra changes your relationship with your bank or your accounting platform, which remains your system of record.

2. Private beta

Oktra is currently offered as a private beta. Access is restricted during onboarding and is granted at our discretion; the fact that the site or application is reachable is not an offer of service to the general public.

During the beta the service is provided "as is" and "as available": features may change, be limited, or be withdrawn, availability is not guaranteed, and you should not rely on Oktra as your sole record of any financial information. We may impose or change usage limits, and we may end the beta or any account's participation in it, as described in §10.

3. Your account

  • You must provide accurate account information and keep it current.
  • You are responsible for everything done under your account. Keep your sign-in credentials and second factor secure; authentication and MFA requirements are part of using Oktra.
  • You must be authorized to connect, and to let Oktra process data from, any accounting platform or bank account you connect - whether it is yours or one you administer on behalf of an organization you represent.
  • One person or organization is accountable per account. Do not share credentials.

4. Acceptable use

You agree not to:

  • use Oktra for anything unlawful, or to process data you have no right to process;
  • connect accounts you are not authorized to connect, or misrepresent your authority to act for an organization;
  • attempt to move money, initiate payments, or use Oktra as if it were a payment service - it is not, and offers no such function;
  • probe, scan, or attempt to breach the security of the service, access data that is not yours, or interfere with other customers' use;
  • reverse engineer, scrape, overload, or build a competing service from the software or its outputs, except to the extent this restriction is prohibited by law;
  • upload malware or use Oktra to transmit unlawful, infringing, or harmful content.

We may suspend access to protect the service, other customers, or connected platforms if we reasonably believe these rules are being broken (§10).

5. Your data and privacy

How we collect, use, share, and retain your data - including account data, accounting data, and read-only bank data - is described in the Privacy Policy. Where Oktra processes your data on your behalf as a processor, the DPA and Sub-processors list sets out those terms and names the sub-processors we use. Those documents are incorporated into these Terms by reference; we do not restate their contents here.

You retain all rights in your data. You grant us only the rights needed to provide the service to you - to access, process, and store your data for the bookkeeping purposes described in the Privacy Policy, and for no other purpose. We do not sell your data and do not use your financial data to train models for other customers or purposes.

6. Intellectual property

Oktra - the application, its software, design, and content we provide - belongs to us and our licensors. These Terms grant you a limited, non-exclusive, non-transferable, revocable right to use Oktra for your own bookkeeping during the term, and nothing more. We grant no rights in our trademarks or branding.

The financial reports and accounting entries Oktra produces from your data are yours to use. Any feedback you send us about the service may be used without restriction or obligation to you.

7. Third-party and connected services

Oktra works with services you connect (your accounting platform, your bank, and bank-connectivity providers such as Plaid) and with the sub-processors listed in the DPA. Your use of a connected platform remains governed by that platform's own terms and privacy policy; those relationships are between you and the provider. We are not responsible for the acts, availability, accuracy, or content of third-party services, and errors or omissions in data they supply can affect Oktra's output (see the Service Disclaimer).

8. Automation and your responsibility to review

Oktra uses automation, including artificial intelligence, to prepare your books, and its outputs can contain errors. You (or your accountant) remain responsible for reviewing Oktra's work, approving entries before they are posted where approval flows apply, and verifying reports before relying on them or filing anything based on them. Oktra is software, not an accountant, tax advisor, auditor, or lawyer, and its outputs are not professional advice. The full statement of this is in the Service Disclaimer, which you accept before first use and which governs on these points.

9. Warranties and limitation of liability

The Service Disclaimer states the warranty disclaimer and liability limits in full, and these Terms adopt them. In summary, and to the maximum extent permitted by law:

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE." OKTRA DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT, AND DOES NOT WARRANT THAT OUTPUTS WILL BE ERROR-FREE OR THAT THE SERVICE WILL BE UNINTERRUPTED.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OKTRA IS NOT LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST DATA, TAX PENALTIES, INTEREST, OR FINES - including losses arising from unreviewed reliance on automated output, from errors or omissions in data supplied by connected platforms, or from decisions made without professional advice. Oktra's total aggregate liability arising out of or relating to the service is capped at the greater of the amounts you paid us for the service in the twelve months before the event giving rise to the claim, or, during a free beta where you have paid nothing, one hundred euros (EUR 100).

Some jurisdictions do not allow certain exclusions or limitations; where that is the case, they apply to you only to the extent permitted.

10. Suspension and termination

You may stop using Oktra and close your account at any time. On closure, disconnection and deletion follow the Privacy Policy and our Data Retention and Disposal Policy.

We may suspend or terminate your access if you materially breach these Terms or the Acceptable Use rules, if required to protect the service, other customers, or connected platforms, or if we discontinue the service or the beta. Where practical and lawful we will give you notice. Sections that by their nature should survive termination - including data rights, intellectual property, disclaimers, limitation of liability, and governing law - survive.

11. Changes to these Terms

We may update these Terms. We will post any changes on this page and, for material changes, notify you in the application or by email before they take effect. Continued use after a change takes effect means you accept the updated Terms; if you do not accept them, stop using Oktra and close your account.

12. Governing law

These Terms are governed by the laws of the jurisdiction of Oktra's operating entity, without regard to conflict-of-laws rules, and the courts of that jurisdiction have exclusive jurisdiction over disputes, except where mandatory consumer-protection law gives you the right to bring proceedings elsewhere. The specific jurisdiction is stated once the operating entity is set (see the note above).

13. Contact

Oktra - privacy@oktra.ai

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