Terms of Service
Welcome to Koshbook, a product of Anyfinite. These Terms of Service ("Terms", "Agreement") govern your access to and use of the Koshbook application (the "App", "Service", or "Koshbook"), including mobile, desktop, and web versions where available.
By downloading, installing, or using Koshbook, you agree to these Terms and our Privacy Policy. If you do not agree, please do not use the Service.
1. License to Use
Koshbook grants you a personal, revocable, non-exclusive, non-transferable, and limited license to download, install, and use the App on your devices strictly in accordance with these Terms. All rights not expressly granted are reserved.
2. Accounts and Guest Mode
You may use Koshbook without an account in Guest mode, or create an account to enable cloud sync and premium features. You are responsible for maintaining the confidentiality of your sign-in credentials and for all activity under your account. You must provide accurate account information and notify us promptly of unauthorized use.
Device limits, sync behavior, and account management options are described in the App and may change over time.
3. Acceptable Use
You agree to use Koshbook only for lawful personal finance tracking. You shall not reverse engineer, decompile, scrape, overload, or misuse the App or its connected services (including AI features), interfere with other users, or use the Service for any illegal or harmful purpose.
4. Plans, Billing, and Refunds
Koshbook may offer free and paid plans, including subscriptions and optional add-ons such as AI credits. Features, limits, pricing, and availability are shown in the App at the time of purchase and may be updated from time to time.
When in-app purchases are processed through an app store (such as Google Play), payment and billing are handled under that store's terms. Koshbook does not store your full payment card details.
Refunds: Because digital subscriptions and AI credits are activated immediately upon purchase, completed payments are generally intended to be final once the service has been provided. That said, we want you to feel confident in every purchase: refunds are available where required by applicable consumer protection law or the app store's refund policies (such as Google Play), and if we confirm a billing error after review. If you believe you were charged incorrectly or something did not work as expected, please contact support@anyfinite.com within a reasonable time and we will review your request in good faith and work with you toward a fair resolution.
Cancellations: You may cancel future subscription renewals at any time through your app store subscription settings. Cancellation stops future charges, and you retain access to paid features until the end of your current billing period. The current period is not automatically refunded unless required by law or store policy.
Early access: We may offer complimentary or early-access premium features before billing is fully enabled. These are provided as-is, may change or end without notice, and do not create a right to continued free access.
5. Data Ownership and Backup
Your data is yours. You retain ownership of the financial records you enter. In Guest mode, data stays on your device. When signed in, data is stored locally and may sync to our cloud infrastructure to support backup and multi-device access.
Backup responsibility: Cloud sync is designed to keep your data safe across devices and is provided on a best-effort basis. Like any online service, it works best alongside your own good practices — we encourage you to periodically export or keep copies of records that are especially important to you. Koshbook cannot accept liability for data loss, corruption, sync delays, or recovery failures caused by device issues, network problems, account deletion, third-party outages, or accidental user actions.
Online features rely on third-party infrastructure and secure network transmission. While we work hard to keep sync, AI, and cloud services running smoothly, occasional interruptions can occur, and Koshbook does not warrant uninterrupted or error-free operation of these services.
6. No Professional Advice; AI Features
Koshbook provides transaction logs, analytics, budgets, exports, and AI-assisted search for informational and organizational purposes only. Outputs — including AI-generated summaries and filters — may be incomplete or inaccurate. Koshbook does not provide investment, tax, legal, or professional financial advice. Consult a qualified professional before making significant financial decisions.
7. Third-Party Services
The App integrates third-party services (including Supabase, Google, Firebase, and app stores). Your use of those features is also subject to the applicable third-party terms and policies. We are not responsible for third-party services outside our reasonable control.
8. Intellectual Property
All trademarks, logos, visual designs, software, and content in Koshbook are owned by Anyfinite or its licensors. No ownership rights are transferred to you under this Agreement.
9. Disclaimer and Limitation of Liability
The Service is provided "as is" and "as available" to the maximum extent permitted by law. To the fullest extent permitted by applicable law, Anyfinite and Koshbook shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or for loss of profits, data, goodwill, or business interruption arising from your use of the Service.
10. Termination and Account Deletion
We may suspend or terminate access to the Service if you violate these Terms or if required for security or legal reasons. You may stop using the App at any time by uninstalling it and, if applicable, deleting your account from Profile settings. Provisions that by their nature should survive termination (including intellectual property, disclaimers, and limitations of liability) will survive.
11. Governing Law
These Terms are governed by the laws of India, without regard to conflict-of-law principles, except where mandatory local consumer protections apply in your jurisdiction.
12. Changes to These Terms
We may update these Terms from time to time. We will post the updated version on this page and update the date above. Continued use after changes become effective constitutes acceptance of the revised Terms, except where applicable law requires otherwise.
13. Contact Us
Questions about these Terms? Contact us at:
Anyfinite
Email: support@anyfinite.com