Introduction
These are the terms of use for Koody, Inc. ("Koody", "we," "our," or "us"), a technology company incorporated in Delaware, United States of America. By accessing or using our application ("App"), website, and related services (collectively, the "Services"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, please do not use our Services.
Description of Services
Koody is a personal finance application designed to help users manage their finances by:
- Tracking income and expenses, either manually or through bank connections.
- Creating and managing budgets.
- Monitoring recurring transactions.
- Collaborating with partners or family members on shared financial goals.
Please note that our Services are intended for informational and organizational purposes only and do not constitute financial, legal, or tax advice.
Account Registration and Security
To use certain features of our Services, you may be required to create an account. You agree to:
- Provide accurate and complete information during registration.
- Maintain the confidentiality of your login credentials.
- Notify us immediately of any unauthorized use of your account.
You are responsible for all activities that occur under your account.
Subscription and Payment
We offer a subscription-based model with the following terms:
- Free Trial: New users may access a one-month free trial.
- Subscription Fees: After the trial period, continued access requires payment of subscription fees as outlined in our pricing page.
- Billing: Subscription fees are billed in advance on a recurring basis (e.g., monthly or annually).
- Cancellation: You may cancel your subscription at any time through your account settings. Upon cancellation, access to premium features will continue until the end of the current billing cycle.
All fees are non-refundable, except as required by law.
User Conduct
You agree not to use our Services to:
- Violate any applicable laws or regulations.
- Infringe upon the rights of others.
- Transmit any harmful or malicious code.
- Engage in unauthorized data collection or scraping.
We reserve the right to suspend or terminate your access if you violate these Terms.
Bank Connections and Data Import
Our Services may allow you to connect your bank accounts or upload financial data. By using these features, you:
- Authorize us to access and process your financial data solely for providing the Services.
- Acknowledge that we use third-party services to facilitate bank connections and data imports.
- Understand that we do not store your bank login credentials.
We are not responsible for the accuracy of data imported from external sources.
Data Privacy and Security
We are committed to protecting your personal information. Our data practices are outlined in ourPrivacy Policy. Key points include:
- Use of industry-standard encryption to protect your data.
- Collection and use of data solely for providing and improving our Services.
- No sale of your personal information to third parties.
Please review ourPrivacy Policyfor detailed information.
Intellectual Property
All content and materials provided through our Services, including but not limited to text, graphics, logos, and software, are the property of Koody or its licensors and are protected by intellectual property laws. You agree not to reproduce, distribute, or create derivative works without our express written consent.
Third-Party Services
Our Services may include links to third-party websites or services. We do not endorse or assume responsibility for any third-party content or practices. Your interactions with third-party services are governed by their respective terms and policies.
Termination
We may terminate or suspend your access to the Services at our discretion, without prior notice, if you violate these Terms or engage in conduct that we deem harmful to our interests or the interests of others.
Upon termination:
- Your right to use the Services ceases immediately.
- We may delete your account and associated data, subject to our data retention policies.
Disclaimers
Our Services are provided on an "as-is" and "as-available" basis. We disclaim all warranties, express or implied, including but not limited to:
- Fitness for a particular purpose.
- Accuracy or reliability of the Services.
- Non-infringement of third-party rights.
We do not guarantee that the Services will be uninterrupted or error-free.
Governing Law & Jurisdiction
These Terms are governed by and construed in accordance with the laws of the State of Delaware, USA, without regard to its conflict of law principles. Any disputes arising under these Terms shall be resolved exclusively in the courts located in Delaware, USA.
Contact Information
If you have any questions or concerns about these Terms, please contact us athello@koody.com.
Last Updated: May 20, 2025