Terms of Service

1. Who can use the Service

You must be at least 18 years old and able to enter a binding contract. The Service is for your own personal finances.

2. Your account

Keep your credentials and personal token confidential and tell us at support@kesefy.app if you suspect unauthorized use. You are responsible for activity under your account. You may delete your account at any time from Settings; the Privacy Policy says what happens to your data.

3. The Service is a tool, not financial advice

Kesefy records and shows your own financial data: accounts, transactions, budgets, trips, investments and what follows from them. It does not provide financial, investment, tax, accounting or legal advice, and nothing in it should be relied on as such. Balances, reports, forecasts, currency conversions, category suggestions, statement matching and AI answers may be incomplete or wrong. Keep your own records and consult a qualified professional before acting. Some features use artificial intelligence and are marked as such in the app.

We may change, add or remove features. If a change materially reduces what you pay for, you may end your subscription and receive a pro-rated refund for the remaining period.

4. Acceptable use

Do not: break the law; access or attempt to access another user’s data; probe or breach security; use automated means against the AI features or the Service beyond the tools we provide for your own account; upload malware; resell the Service; add another person’s details without their permission; or use the optional statement tool for anyone’s cards but your own. We may suspend or terminate an account that breaches these terms, with notice where the law requires; you may appeal by contacting us.

5. Your content

Everything you record stays yours. You grant us a worldwide, non-exclusive, royalty-free licence to host, store, process and display it only as needed to run the Service for you and as you direct. You confirm you have the right to enter what you enter, including anything about other people. We remove content that breaks the law or these terms and tell you why unless the law prevents it.

6. Our content and intellectual property

The Service, its software, design, text and marks are owned by us or our licensors and protected by copyright and trademark law. You get a limited, revocable, non-transferable licence to use the Service for its purpose. Open-source components are used under their own licences.

7. Copyright complaints

If you believe material on the Service infringes your copyright, email support@kesefy.app with your contact details, the work, the URL, a good-faith statement, a statement under penalty of perjury that you are authorized, and your signature. We act on valid notices, let the user answer, and terminate repeat infringers.

8. Payments, subscriptions and cancellation

• The price is shown before you subscribe, in the currency shown. Taxes are added at checkout where they apply.
• Checkout, payment, invoices and taxes are handled by Lemon Squeezy, LLC as merchant of record; your purchase contract for the subscription is with Lemon Squeezy, and its terms apply to it. Card numbers never reach us.
• A free trial, where offered, ends on the date shown in the app; after it, the subscription renews every month at the stated price until cancelled.
• Cancel at any time from the billing page or a billing email; it is as easy as subscribing. Cancellation takes effect at the end of the paid period.
• Refunds, withdrawal and statutory cancellation rights are in the Refund and Cancellation Policy, which is part of these terms.

9. Disclaimers

The Service is provided “as is” and “as available”. To the extent the law allows, we disclaim all warranties, express or implied, including fitness for a particular purpose, accuracy and uninterrupted availability. Links to third-party sites and the third-party services we rely on (hosting, database, storage, currency data, AI, payments, the card issuers whose statements you upload) are outside our control. Nothing here limits the rights you have as a consumer under mandatory law in Israel, the EU, the UK or your US state.

10. Limitation of liability

To the extent the law allows, we are not liable for indirect, incidental, special, consequential or punitive damages, or for loss of profits, savings, data or goodwill, and our total liability for any claim is limited to the amount you paid us in the twelve months before the claim, or zero for free use. This does not exclude liability for death or personal injury caused by negligence, for fraud or wilful misconduct, or any liability that cannot be limited by law.

11. Termination

You may stop using the Service at any time and delete your account. We may suspend or terminate access for breach, for a legal requirement, or if the Service is discontinued, with at least 30 days’ notice where feasible. Sections that by nature survive (content, intellectual property, disclaimers, liability, disputes) survive termination.

12. Governing law and disputes

These terms are governed by the laws of the State of Israel, and disputes go to the competent courts of Israel, except that consumers in the EU, the UK or Israel keep the protection of their local mandatory law and may bring claims in their home courts. Tell us first at support@kesefy.app; most things are fixed in a day.

13. Changes

We may update these terms. For a material change we notify you in the app or by email at least 14 days before it takes effect; continuing to use the Service after that date means you accept it. If you do not, stop using the Service and, for paid plans, cancel for a pro-rated refund.

14. Miscellaneous

These terms, the Privacy Policy and the Refund and Cancellation Policy are the entire agreement. If a part is unenforceable the rest stands. Not enforcing a term is not a waiver. We may assign these terms to a successor with notice. Notices go to your account email and to ours above. These terms exist in English and Hebrew; the English text prevails where the law allows.