Purpose
The KAO platform provides electronic administrative services to Bulgarian municipalities through the KAO.bg website and the KAO Mobile app.
KAO Web and KAO Mobile
These terms cover use of the web portal and the mobile app. Some services may be available only on the web or only in the mobile app, depending on identification and signing requirements.
Identification with QES
Initial identification and mobile device registration require signing in to KAO.bg with a qualified electronic signature (QES). QES is not replaced by Face ID or Touch ID in the mobile app.
Mobile device registration
A mobile device is activated using a QR code from your KAO.bg profile. You are responsible for securing your device and removing registration if the device is lost, stolen, or replaced.
Electronic administrative services
Applications and documents submitted through the platform are processed by the relevant administration under applicable law. KAO provides the technical environment; the administrative act is performed by the competent authority.
Responsibility for submitted data
You are responsible for the accuracy and timeliness of data you submit. Providing incorrect data may result in refusal or cancellation of a service.
Electronic payments by virtual POS
The payment recipient is the administration shown in the pre-payment review. KAO provides the technical platform, while the payment integration — BORICA, DSK Virtual POS, or ECOMM — is selected by the administration.
Card details are entered on the secure page of the relevant payment operator. Before redirection, you can review the recipient, reason, amount, integration, and supported card brands.
If final confirmation is not yet available, the payment may temporarily be shown as “Processing”. This does not mean rejection; do not make a duplicate payment for the same liability while processing is pending.
For complaints, disputes, and refunds, contact the recipient administration using the displayed contact details. For technical issues with the platform, contact KAO.
Third-party providers
The platform may use third parties for authentication, payments, electronic signing, maps, and push notifications. Their data processing is governed by the relevant contracts and policies.
Electronic signing
When a service requires a qualified electronic signature, signing is performed through supported providers and methods. Not all services can be completed from KAO Mobile.
Service availability
KAO aims for continuous operation but does not guarantee uninterrupted availability. Planned or emergency outages are possible.
Restrictions and access termination
Access may be restricted or terminated in case of breach of these terms, abuse, request by a competent authority, or removal of a registered device.
Applicable law
These terms are governed by Bulgarian law. Disputes are resolved by the competent Bulgarian courts unless mandatory law provides otherwise.