Terms of Service

Version 1.0. Last updated: 9 July 2026.

1. Parties and acceptance

These Terms form a binding agreement between Karo, operated by Classic To Ltd ("Karo", "we", "us"), and the educational institution ("the School") whose administrator creates an account and accepts these Terms on the School's behalf. By ticking the acceptance box during sign up, the person creating the account confirms they are authorised to bind the School.

2. The service

Karo is a school fees management platform. Karo helps the School record students and guardians, publish fee structures, generate invoices, receive payments, reconcile receipts, communicate with parents, and produce reports. Karo does not provide legal, tax, or accounting advice.

3. Roles and data ownership

The School is the data controller of all student, guardian, staff, and financial information it enters into Karo. Karo is a data processor acting solely on the School's instructions to operate the service. All records the School creates in Karo remain the property of the School and can be exported at any time.

4. Account security and delegation

The School is responsible for all activity performed under its account. Each staff member must sign in with their own credentials. Two-factor authentication is required. The School is expected to revoke access promptly when staff leave and to use Karo's role settings to delegate only the access each role requires.

5. Fees

Karo's platform fee is KES 299 per student per term. The fee is recovered at source: as invoiced fees for a student are paid, the platform fee for that student and term is deducted from the first collections until fully recovered, and the balance settles to the School. There is no setup fee, no monthly minimum, and no charge for students against whom no payment is collected.

6. Payments and settlement

All parent payments are collected through Karo's regulated payment processor and settle directly to the School's registered bank account, minus the platform fee described above. Karo does not hold School funds at any point. The School is responsible for the accuracy of the bank account details it registers for settlement and for reconciling settlement statements with its own records.

7. Messaging conduct

Karo may send messages to guardians on the School's behalf strictly for legitimate fees and school-parent communication. The School must not use Karo to send unsolicited marketing, political messaging, or content unrelated to the School's relationship with the guardian.

8. Service availability

Karo aims for continuous availability of the service but does not guarantee it will be uninterrupted or error free. Karo may perform scheduled maintenance and will make reasonable efforts to give advance notice for changes that affect School operations.

9. Suspension and termination

The School may terminate its account at any time from the settings screen or by writing to us. Karo may suspend or terminate access if the School breaches these Terms, fails to pay platform fees due, or uses the service in a manner that endangers other users or third parties. Immutable financial records (issued invoices, receipts, and audit log entries) are retained for the period required by applicable law and remain exportable by the School during that period.

10. Liability

To the maximum extent permitted by law, Karo's aggregate liability under this agreement is limited to the platform fees paid by the School in the twelve months preceding the event giving rise to the claim. Karo is not liable for indirect, incidental, or consequential losses, including loss of profit, goodwill, or data not caused by Karo's gross negligence.

11. Governing law

These Terms are governed by the laws of the Republic of Kenya. Any dispute arising from or in connection with these Terms shall be submitted to the exclusive jurisdiction of the courts of Kenya.

12. Changes to these Terms

Karo may update these Terms. Material changes are versioned; when the version changes, the School's next authorised administrator sign in prompts a fresh acceptance before continued use.

13. Contact

All questions about these Terms, notices, and support requests: info@classicto.com.