Terms and Conditions

1. Provider

Karma Software S.r.l.s., Piazza delle Camelie 3, 72100 Brindisi (BR), VAT and tax identification number 02417740749. Contact: commerciale@karma-software.com, assistenza@karma-software.com.

2. Use of the website

The website is provided for information purposes and allows you to request demonstrations and information, submit job applications and propose partnerships. You agree to provide truthful information and not to use the website unlawfully or in any manner that may impair its operation.

The website content describes the product in general terms and does not constitute a contractual offer: features, integrations and commercial terms are specified in the proposal and the agreement.

3. The KARS Claims service

KARS Claims is provided as a fully cloud-based SaaS solution, accessible through a browser on any device. The service supports TPAs in handling claims entrusted to them by instructing insurers: claim registration and handling, instructions to the network of appointed professionals, loss assessments, litigation, correspondence, reporting to instructing insurers, institutional data exchanges and integrations, as well as optional ERP modules.

4. TPA responsibilities

• The TPA remains responsible for claims handling and settlement, the decisions it makes and its relationships with instructing insurers, insured persons, injured parties and appointed professionals.
• The TPA warrants that it is entitled to upload claims data to the system and acts as data controller or, in relation to insurers, as data processor; Karma Software acts as data processor or sub-processor pursuant to Article 28 GDPR in accordance with the data processing agreement.
• The TPA safeguards its users' credentials and manages their access permissions and profiles.
• Submissions through institutional data exchanges (for example IVASS eBDS, Score AIA, CARD, UCI) and to insurers are based on data entered and validated by the TPA.

5. Artificial intelligence

Artificial intelligence features, including the KARIN assistant, provide suggestions and decision support, such as draft loss assessment reports based on photographs, document analysis and operational recommendations. Outputs must always be reviewed by a qualified operator before use: decisions on claims handling and settlement remain the responsibility of the TPA.

6. Fees

The service uses a usage-based pricing model: fees depend on the volume of claims handled, with the unit cost decreasing as volumes increase. Amounts, pricing tiers, billing arrangements and the contract term are set out in the proposal and the agreement.

7. Availability, security and data

Karma Software implements appropriate technical and organisational measures to ensure security, confidentiality and service continuity, including regular backups. Service levels, support and arrangements for returning data at the end of the contractual relationship are defined in the agreement. The service may be temporarily suspended for maintenance, preferably scheduled and notified in advance.

8. Intellectual property

The KARS software, the KARS, KARS Claims and KARIN trade marks, the website content and the associated documentation are owned by Karma Software or its licensors. The TPA is granted a non-exclusive, non-transferable right of use for the term of the agreement. Data entered by the TPA remains the property of the TPA or its instructing insurers.

9. Limitation of liability

To the extent permitted by law, Karma Software is not liable for indirect losses arising from use of the website or for the content of third-party websites accessible through links. Liability in relation to the service is governed by the agreement.

10. Governing law and jurisdiction

These Terms are governed by Italian law. The Court of Brindisi has exclusive jurisdiction over any dispute, unless otherwise required by mandatory provisions of law.

11. Changes

We may update these Terms; the current version is published on this page together with the date of the last update.