Koodu Terms of Service

Who these terms apply to

These terms apply to Koodu websites, landing pages, account areas, mobile or desktop apps, budgeting tools, subscription tracking, AI-assisted insights, support pages, and related services.

If you do not agree with these terms, please do not use Koodu. Additional app-store, payment-provider, or platform terms may also apply depending on how you access Koodu.

Who we are

Operator: NEST OF MANY LTD. Registered in Scotland, company number SC904393. Registered office: 48, Floor 2 West George Street, Glasgow, United Kingdom, G2 1BP. Contact: support@nestofmany.com.

Budgeting and finance tracking

Koodu helps you organise budgets, accounts, transactions, subscriptions, goals, imported information, and spending insights. Some features may work locally on your device, while others may need cloud services, payment services, authentication, or AI providers.

Koodu is designed to support personal decision-making. It is not a banking service, payment account, investment platform, tax service, debt advice service, accounting service, or regulated financial advice service.

Accuracy of your data

Koodu can only work with the information you provide, import, or connect. You are responsible for checking that accounts, transactions, categories, balances, subscriptions, reminders, AI summaries, and reports are accurate before making decisions.

AI-assisted features

AI-assisted summaries and suggestions are generated from available information and may be incomplete, inaccurate, outdated, or unsuitable for your circumstances. They are not financial, legal, tax, investment, or professional advice.

You should not submit passwords, card security codes, full identity documents, or unnecessary sensitive information into AI prompts or imported documents.

Your account responsibilities

You must provide accurate account information, keep your login details secure, and tell us promptly if you suspect unauthorised access. You are responsible for activity carried out through your account unless the law says otherwise.

Paid features

Some Koodu features may be free, paid, trial-based, invite-only, or limited during launch. Pricing, renewal terms, taxes, and cancellation options will be shown before purchase where paid services are offered.

Web subscriptions are sold through Paddle as merchant of record. Paddle handles payment, applicable transaction taxes and billing support under its buyer terms and privacy notice. Native companion apps do not sell subscriptions. The price, billing period, applicable tax and any renewal or trial conditions are shown before you confirm purchase.

Plans and monthly allowances

Koodu costs £5.99 per month and Koodu Plus costs £9.99 per month, including applicable tax, for one person across their devices. There is no annual plan or Family upgrade available. Any local-currency total is shown before purchase.

Koodu includes 10 receipt scans or uploads, 2 bank statement imports and 2,500 AI credits per UTC calendar month. Koodu Plus includes 40 receipts, 5 statements and 10,000 AI credits. Allowances reset at 00:00 UTC on the first day of each month; unused allowances do not roll over. Usage is shared across your devices. Upgrading retains usage already consumed that month and unlocks the higher allowance after payment confirmation.

Receipt scans use an allowance only when you save the scanned transaction. Statement uploads use an allowance only when you complete the import. Failed scans, failed imports and discarded previews do not count. Open document previews temporarily reserve capacity until closed or expired. Each submitted Assistant request uses 100 AI credits, including provider failures. Receipt scans and statement imports have separate allowances and do not use chat credits. File and processing limits shown in the app also apply. Reaching a limit stops further requests for that feature until reset; it does not create an automatic overage charge.

Vault access

Keep your vault passphrase and offline recovery key safe. Resetting your account password cannot decrypt your vault. If you lose both vault credentials, we cannot recover encrypted records. Recovery requires your saved recovery key and an internet connection; after confirmation it replaces this device’s copy and deletes its unsynced changes and old recovery copies.

Cancellation, refunds and access

Cancel renewal anytime through Settings > Manage Subscription. Ordinary cancellation stops future renewal and preserves paid access until the current billing period ends. We do not normally refund unused subscription time, except where required by law. We do not offer a voluntary first-payment money-back guarantee for purchases under this policy. Applicable cooling-off rights, remedies for service faults and billing errors are considered separately; nothing here limits your legal rights or any guarantee already given for an earlier purchase. See the Cancellation and billing support page for details and contact options. Account deletion does not remove an eligible claim. For Paddle purchases, Paddle buyer terms and refund policy also apply, including any additional rights they provide. You can contact Paddle through paddle.net or the link in your receipt.

What you must not do

• Use Koodu for unlawful, fraudulent, harmful, abusive, or misleading activity.
• Try to access accounts, systems, data, or code without permission.
• Reverse engineer, scrape, copy, resell, or misuse Koodu except where law clearly permits it.
• Upload malware, harmful files, illegal material, or content that infringes another person's rights.
• Use automated tools to overload, probe, bypass, or interfere with Koodu security or availability.

Suspension or restriction

We may suspend, restrict, or terminate access if we reasonably believe these terms have been breached, if required by law, to protect users, or to protect Koodu systems.

Koodu intellectual property

Koodu owns or licenses the Koodu name, logo, product design, interface, code, content, copy, graphics, databases, workflows, documentation, and other materials. You may not copy, reproduce, modify, distribute, sell, or exploit Koodu materials without written permission unless the law clearly allows it.

Your financial data

You keep ownership of the financial and personal information you add to Koodu. You give us a limited permission to process that information only as needed to provide, secure, improve, support, and maintain Koodu, and as otherwise explained in the Privacy Policy.

Feedback

If you send ideas, bug reports, or suggestions, we may use them to improve Koodu without owing compensation, provided we do not claim ownership of your underlying personal information.

No professional advice

Koodu provides organisation, tracking, calculations, prompts, reminders, summaries, and general insights. It does not make decisions for you and does not replace advice from a qualified financial adviser, debt adviser, tax adviser, accountant, solicitor, or other professional.

Availability and backups

We aim to keep Koodu useful and available, but we do not guarantee that every feature will be uninterrupted, error-free, or available on every device. If Koodu stores information locally on your device, you should export or back up important data where the app gives you that option.

Limits of liability

To the fullest extent allowed by law, Koodu is not responsible for indirect loss, loss of profit, financial decisions, missed renewals, inaccurate user-entered data, loss caused by third-party services, or loss that we could not reasonably have foreseen. Nothing in these terms excludes liability that cannot legally be excluded.

Changes to these terms

We may update these terms as Koodu grows, launches new features, changes providers, or legal requirements change. The latest version will be posted on this page with a new updated date. Significant changes may also be highlighted in-app or on the landing page where appropriate.

Governing law

These terms are governed by the laws of England and Wales, except where mandatory consumer laws in your location give you additional rights. The courts of England and Wales will have jurisdiction unless applicable law says otherwise.

Contact

Operator: NEST OF MANY LTD. Registered in Scotland, company number SC904393. Registered office: 48, Floor 2 West George Street, Glasgow, United Kingdom, G2 1BP. Contact: support@nestofmany.com.