Terms & Conditions

Last updated: 8 July 2026 · Effective: 8 July 2026

Version 1.0 · Written in English. If we publish a translation and it conflicts with this English version, the English version governs.

These Terms & Conditions (“Terms”) are a binding agreement between you and KoiFi. They govern your use of the KoiFi apps, the koifi.app website, and related services (the “Service”). Please read them carefully — they include important limitations of our liability and a section on how disputes are resolved. By creating an account or using the Service, you agree to these Terms and to our Privacy Policy.

1Acceptance & eligibility

You must be at least 18 years old (or the age of majority where you live) and able to form a binding contract, and not barred from using the Service under applicable law. By using the Service you represent that you meet these requirements. If you use the Service on behalf of an organization, you represent that you are authorized to bind it, and “you” includes that organization.

2What KoiFi is

KoiFi helps you track spending, budgets, investments, goals and habits in one place, learn about personal finance, and view information from accounts you choose to connect. KoiFi:

• is a personal-finance information and organization tool;
• connects to banks and crypto wallets on a read-only basis and cannot move money, place orders, or execute transactions;
• displays prices, balances and other data that may be delayed, estimated, or inaccurate and should not be relied upon for time-sensitive decisions;
• works offline-first, and depends on third-party services (banks, blockchains, data providers, app stores) that we do not control.

3Your account

You are responsible for the information you provide, for keeping your credentials confidential, and for all activity under your account. Notify us promptly at hello@koifi.app of any unauthorized use. Keep your data accurate — KoiFi's outputs are only as good as the data you enter and the data your connected providers return.

4Subscriptions & payments

• Tiers. KoiFi offers a free tier and paid subscriptions (e.g. Pro and Premium) with different limits and features, which we may change over time.
• Billing. Paid subscriptions are sold through the Apple App Store and Google Play (and any other payment method we may make available). Payment is charged to the account you use, and app-store purchases are also governed by that store's terms.
• Auto-renewal. Subscriptions renew automatically for the same period unless you cancel at least 24 hours before the end of the current period. Manage or cancel in your App Store / Google Play account settings.
• Free trials / promotions. If offered, any unused portion of a free trial is forfeited when you buy a subscription. Founding-member and promotional benefits are subject to their stated conditions.
• Price changes. We may change prices; changes apply to future billing periods and, where required, with notice and/or your consent via the store.
• Refunds. Payments are handled by the app stores, and refunds are subject to their policies and to your non-waivable statutory rights (including EU/UK consumer withdrawal rights where they apply). We do not separately control app-store charges.

5No financial, investment, tax or legal advice

All content, tools, projections, simulations (including Monte Carlo, FIRE and retirement calculators), insights, and AI companion messages are provided for general information and education only. They are not advice or a recommendation to buy, sell or hold any asset, and do not consider your individual circumstances.

• Investing involves risk, including loss of principal. Past performance does not guarantee future results. Crypto-assets are especially volatile and may lose all value.
• KoiFi does not guarantee any outcome, return, tax result, or the accuracy of any figure, rate, or projection.
• You are solely responsible for your decisions. Consult a licensed financial, tax or legal professional before acting.

6Connected & third-party services

When you connect a bank, wallet, or other account, you authorize KoiFi to access read-only information from it, and your use of that connection is also subject to the third party's terms. We are not responsible for third-party services, the accuracy or availability of the data they provide, or any changes, fees, suspensions or losses arising from them. Prices, balances, transactions and news are sourced from third parties “as is”.

7AI features

AI-assisted features generate responses using automated systems and third-party AI providers. Output may be inaccurate, incomplete or out of date, is not advice (see Section 5), and should be independently verified before you rely on it. You must not use AI features to violate these Terms or any law. See our Privacy Policy for how AI-related data is handled.

8Acceptable use

You agree not to:

• break the law, infringe others' rights, or use the Service for money laundering, fraud or other illicit activity;
• access another user's data or space without authorization, or attempt to defeat our security or space-isolation controls;
• reverse engineer, decompile, scrape, or copy the Service except as permitted by law;
• overload, disrupt, or probe the Service or its infrastructure, or exceed rate limits;
• resell, sublicense, or commercially exploit the Service without our written permission;
• upload malware or unlawful, infringing, or harmful content;
• misuse AI features to generate prohibited, deceptive, or abusive content.

9Your content

You own your data. You retain all rights to the financial data, receipts, and content you put into KoiFi (“Your Content”). You grant us a limited, worldwide, non-exclusive license to host, process, transmit, back up and display Your Content solely to operate and improve the Service for you and the spaces you share it with. If you send us feedback or suggestions, you grant us a perpetual, royalty-free right to use them without obligation to you.

10Intellectual property

The Service — including the KoiFi apps, website, design, the koi mascots and evolution artwork, logos, text, and software — is owned by KoiFi and its licensors and is protected by intellectual-property laws. We grant you a personal, limited, non-exclusive, non-transferable, revocable license to use the Service for your own personal (or internal business) use under these Terms. All rights not expressly granted are reserved. “KoiFi”, the koi mark, and related branding are our trademarks; do not use them without permission.

11Disclaimers

To the maximum extent permitted by law, the Service is provided “AS IS” and “AS AVAILABLE”, without warranties of any kind, whether express, implied or statutory, including implied warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not warrant that the Service will be uninterrupted, error-free, secure, or that any data, price, calculation or projection is accurate, complete or current. Some jurisdictions do not allow certain warranty exclusions, so some of the above may not apply to you, and nothing in these Terms limits your non-waivable statutory rights.

12Limitation of liability

To the maximum extent permitted by law:

• KoiFi and its owners, developers, employees, and providers will not be liable for any indirect, incidental, special, consequential, exemplary or punitive damages, or for any loss of profits, revenue, data, goodwill, or investment or financial losses, arising out of or relating to the Service or your financial decisions, even if advised of the possibility.
• Our total aggregate liability for all claims relating to the Service is limited to the greater of (a) the amount you paid us for the Service in the 12 months before the event giving rise to the claim, or (b) EUR 100.

Nothing in these Terms excludes or limits liability that cannot be excluded or limited by law (for example, for death or personal injury caused by negligence, fraud, or your non-waivable consumer rights). Where liability cannot be fully excluded, it is limited to the minimum permitted by law.

13Indemnification

To the extent permitted by law, you agree to indemnify and hold harmless KoiFi and its owners, developers, employees and providers from and against any claims, damages, losses, liabilities, and reasonable legal fees arising out of or related to: (a) your use or misuse of the Service; (b) Your Content; (c) your violation of these Terms or any law; or (d) your infringement of any third-party right. This does not apply to the extent a claim arises from our own willful misconduct.

14Suspension & termination

You may stop using the Service and delete your account at any time in the app. We may suspend or terminate your access if you breach these Terms, to protect the Service or other users, or if required by law — with notice where practicable. On termination, your license ends; sections that by their nature should survive (including Sections 5, 9–13, 16) survive. We handle your data on termination as described in the Privacy Policy.

15Changes to the Service & Terms

We are actively developing KoiFi and may add, change or discontinue features. We may update these Terms; when we make material changes we will post the updated version here with a new date and provide additional notice where required. Your continued use after changes take effect means you accept them. If you do not agree, stop using the Service.

16Governing law & dispute resolution

These Terms are governed by the laws of Ukraine, without regard to conflict-of-laws rules, and subject to the mandatory consumer-protection laws of your country of residence.

Let's talk first. Before starting any formal proceeding, please contact us at hello@koifi.app so we can try to resolve the matter informally.

If we cannot resolve it, the dispute will be subject to the exclusive jurisdiction of the competent courts of Ukraine. Nothing here removes your right, as a consumer, to bring proceedings in the courts of your home country, or to rely on the mandatory consumer-protection laws of the place where you live.

17General

• Entire agreement. These Terms and the Privacy Policy are the entire agreement between you and KoiFi about the Service.
• Severability. If any provision is unenforceable, the rest remain in effect.
• No waiver. Our failure to enforce a provision is not a waiver of it.
• Assignment. You may not assign these Terms; we may assign them in connection with a merger, acquisition or reorganization.
• Force majeure. We are not liable for delays or failures caused by events beyond our reasonable control.
• Notices. We may give notices in-app, by email, or on koifi.app.
• App-store terms. If you use the app via Apple or Google, their standard end-user license terms also apply, and those platforms are third-party beneficiaries of these Terms to that extent.
• Language. The English version of these Terms governs.

18Contact us

KoiFi — Private Entrepreneur Liudmyla Oganova
44-50 Oresta Vaskyla St., Apt. 40, Kyiv 03179, Ukraine
Email: hello@koifi.app

See also our Privacy Policy. This document is provided for transparency and does not itself constitute legal advice.