Terms and Conditions

Effective date: 27 March 2026

Last updated: 30 May 2026

These Terms and Conditions ("Terms") govern your use of the Kokuko mobile application and web service (the "Service") operated by Kokuko GmbH ("we", "us", "our"). By creating an account or using the Service, you agree to these Terms.

If you do not agree, do not use the Service.

1. Definitions

  • "Service": The Kokuko application, API, and all related services.
  • "User", "you": Any individual who creates an account or uses the Service.
  • "Circle": A group of Users collaborating through the Service (e.g. a shared household).
  • "Content": Any data, text, images, or information you submit through the Service.

2. Eligibility

You must be at least 16 years old to create an account. By using the Service, you represent that you meet this age requirement.

3. Account Registration and Security

3.1 Account Creation

You must provide a valid email address to register. Authentication is passwordless — we send a one-time code to your email for each login.

3.2 Account Responsibility

You are responsible for:

  • Maintaining access to the email address associated with your account
  • All activity that occurs under your account
  • Keeping your authentication tokens secure

You must notify us immediately at security@kokuko.app if you suspect unauthorised access to your account.

3.3 Accuracy of Information

You agree to provide accurate, current, and complete information. We may suspend or terminate accounts with materially inaccurate information.

4. Acceptable Use

4.1 Permitted Use

The Service is intended for collaborative household and group management, including task coordination, shared finance tracking, item management, and related activities.

4.2 Prohibited Conduct

You agree not to:

  • Use the Service for any unlawful purpose or in violation of any applicable law
  • Impersonate another person or misrepresent your identity
  • Harass, abuse, threaten, or intimidate other Users
  • Upload malicious code, viruses, or harmful content
  • Attempt to gain unauthorised access to the Service, other accounts, or our systems
  • Interfere with or disrupt the Service or its infrastructure
  • Use automated tools (bots, scrapers) to access the Service without our written consent
  • Circumvent rate limits, security measures, or access controls
  • Use the Service to collect personal information of other Users for unsolicited purposes
  • Upload content that infringes intellectual property rights of any third party
  • Use the AI features to generate content that is harmful, illegal, deceptive, or violates third-party rights
  • Share or distribute other Users' personal information obtained through the Service

4.3 Enforcement

We may, at our sole discretion, suspend or terminate your account, remove Content, or restrict access for violation of these Terms, without prior notice where urgency requires.

5. Circles and Shared Data

5.1 Circle Participation

When you join a Circle, certain information becomes visible to other Circle members (see our Privacy Policy, Section 4). By joining a Circle, you consent to this information sharing within that Circle.

5.2 Circle Roles

Each Circle has an Admin who manages membership, settings, and rules. All other members share equal permissions within the Circle. You agree to abide by Circle rules set by the Admin.

5.3 Shared Records

Tasks, expenses, items, and activity logs are shared within a Circle. If you leave a Circle or delete your account, records you contributed to may be retained in anonymised form for the benefit of remaining Circle members.

6. Financial Features

6.1 Expense Tracking Only

The financial features of the Service are for tracking and recording shared expenses and settlements. We do not process payments, transfer money, or act as a financial intermediary.

6.2 No Financial Advice

Nothing in the Service constitutes financial, tax, or legal advice. Expense calculations, splits, and settlement suggestions are tools for convenience only.

6.3 Accuracy

You are solely responsible for the accuracy of expenses, amounts, and settlements you record. We are not liable for inaccuracies in financial records entered by Users.

7. AI Features

7.1 Nature of AI Features

The Service may include optional AI-powered features. Where available, AI outputs are recommendations only — no automated decisions are made on your behalf.

7.2 Limitations

AI features may produce inaccurate, incomplete, or inappropriate outputs. You are responsible for reviewing and verifying any AI-generated content before acting on it.

7.3 Data Processing

When you use AI features, your messages and uploaded images may be processed by third-party AI providers. See our Privacy Policy, Section 10 for details.

7.4 Prohibited AI Use

You must not use AI features to:

  • Generate harmful, illegal, or deceptive content
  • Attempt to extract personal information about other Users
  • Circumvent safety filters or moderation

8. Subscriptions and Payments

8.1 Subscription Tiers

The Service offers free and paid subscription tiers. Paid features, pricing, and billing terms are presented at the point of purchase within the application.

8.2 Billing

Payments are processed by third-party payment providers (e.g. Stripe, Apple App Store, Google Play). We do not store your payment card details. You agree to the payment provider's terms when making a purchase.

8.3 Cancellation

You may cancel your subscription at any time through the application or the relevant app store. Cancellation takes effect at the end of the current billing period. No refunds are provided for partial periods unless required by applicable law.

8.4 Changes to Pricing

We may change subscription pricing with at least 30 days' notice. Continued use after a price change constitutes acceptance of the new pricing.

9. Intellectual Property

9.1 Our Rights

The Service, including its design, code, features, trademarks, and documentation, is owned by Kokuko and protected by applicable intellectual property laws. Nothing in these Terms grants you any right to use our trademarks, logos, or brand elements.

9.2 Your Content

You retain ownership of Content you submit through the Service. By submitting Content, you grant us a limited, non-exclusive, worldwide licence to store, process, and display that Content solely for the purpose of providing and improving the Service.

9.3 Feedback

If you provide feedback, suggestions, or ideas about the Service, you grant us an unrestricted, perpetual, irrevocable, royalty-free licence to use that feedback for any purpose without compensation or attribution.

9.4 Software Licence Grant

The Kokuko application is licensed, not sold, to you. Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable licence to download, install, and use the application on Apple-branded and other devices that you own or control, as permitted by the Usage Rules set forth in the Apple Media Services Terms and Conditions. Where the application is obtained through the Apple App Store, this licence may extend to other accounts associated with you via Family Sharing or volume purchasing as permitted by those Usage Rules. This licence does not include any right to resell or make commercial use of the application.

9.5 Licence Restrictions

You may not:

  • Copy or distribute the application except as expressly permitted by these Terms
  • Reverse-engineer, decompile, disassemble, or attempt to derive the source code of the application, except to the extent required by applicable law
  • Modify or create derivative works based on the application
  • Make the application available over a network where it could be used by multiple devices simultaneously without our written consent
  • Sublicense, sell, transfer, assign, or otherwise dispose of the application or your licence to it
  • If you sell or transfer your device to a third party, you must remove the application from that device before doing so

9.6 Technical Data

By using the application, you consent to our collection and use of technical information about your device, system, and application software, gathered periodically to facilitate software updates, product support, and other related services. We may use this information in aggregated, non-personally-identifiable form to improve our products and services.

10. Privacy

Your use of the Service is also governed by our Privacy Policy. By using the Service, you acknowledge that you have read and understood the Privacy Policy.

11. Disclaimers

11.1 "As Is" Provision

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

11.2 No Guarantee of Availability

We do not guarantee that the Service will be uninterrupted, error-free, secure, or available at all times. We may modify, suspend, or discontinue any part of the Service at any time.

11.3 External Services

The Service may enable access to third-party services and websites (collectively, "External Services"), including email delivery, push notifications, AI processing, and cloud hosting. You agree to use External Services at your sole risk. We are not responsible for examining or evaluating the content, accuracy, or availability of any External Services, and we are not liable for any loss or damage arising from their use. Data displayed through any External Service, including financial or location information, is for general informational purposes only and is not guaranteed by us. External Services may not be available in all languages or all jurisdictions. We reserve the right to modify, suspend, remove, or restrict access to External Services at any time without notice or liability to you.

11.4 User Interactions

We are not responsible for the conduct of other Users. Interactions between Circle members, including financial settlements, task assignments, and disputes, are solely between the Users involved.

12. Limitation of Liability

12.1 Cap on Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF: (A) THE AMOUNT YOU HAVE PAID US IN THE 12 MONTHS PRECEDING THE CLAIM, OR (B) CHF 100.

12.2 Exclusion of Damages

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, OR GOODWILL, REGARDLESS OF THE CAUSE OF ACTION OR THE THEORY OF LIABILITY.

12.3 Exceptions

Nothing in these Terms excludes or limits liability for:

  • Death or personal injury caused by negligence
  • Fraud or fraudulent misrepresentation
  • Any liability that cannot be excluded or limited under applicable law

12.4 Australian Consumer Law

If the Australian Consumer Law applies to you, nothing in these Terms excludes, restricts, or modifies consumer guarantees under the Australian Consumer Law. Our liability for breach of a non-excludable consumer guarantee is limited to re-supplying the services or paying the cost of having them re-supplied.

12.5 New Zealand Consumer Guarantees Act

If the New Zealand Consumer Guarantees Act 1993 applies to you, nothing in these Terms limits your rights under that Act.

13. Indemnification

You agree to indemnify, defend, and hold harmless Kokuko GmbH and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising from:

  • Your use of the Service
  • Your violation of these Terms
  • Your violation of any applicable law or third-party rights
  • Content you submit through the Service
  • Your interactions with other Users

This indemnification obligation survives termination of these Terms and your use of the Service.

14. Account Termination

14.1 By You

You may delete your account at any time through the application (Settings → Delete Account). Account deletion is irreversible. Your personal data will be anonymised or deleted in accordance with our Privacy Policy.

14.2 By Us

We may suspend or terminate your account if you:

  • Violate these Terms
  • Engage in conduct that is harmful to other Users or the Service
  • Fail to maintain a valid email address
  • Are required to be removed by law

We will provide reasonable notice where possible, except where immediate action is necessary for security or legal reasons.

14.3 Effect of Termination

Upon termination:

  • Your access to the Service will cease
  • Your personal data will be handled as described in our Privacy Policy
  • Shared records you contributed to (task completions, expenses, activity logs) may be retained in anonymised form
  • Sections 9, 11, 12, 13, and 15–19 survive termination

15. Governing Law and Disputes

15.1 Governing Law

These Terms are governed by and construed in accordance with the laws of Switzerland, without regard to conflict of law principles.

15.2 Jurisdiction

Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts of Zurich, Switzerland, unless mandatory consumer protection laws in your jurisdiction provide otherwise.

15.3 Mandatory Consumer Protections

Nothing in this section overrides mandatory consumer protection laws that apply in your jurisdiction. If you reside in a jurisdiction where local law grants you the right to bring proceedings in local courts, that right is preserved.

16. General Provisions

16.1 Entire Agreement

These Terms, together with the Privacy Policy, constitute the entire agreement between you and Kokuko regarding the Service.

16.2 Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions remain in full force and effect.

16.3 Waiver

Our failure to enforce any provision of these Terms does not constitute a waiver of that provision or any other provision.

16.4 Assignment

You may not assign or transfer your rights under these Terms without our written consent. We may assign our rights and obligations without restriction.

16.5 Force Majeure

We are not liable for any failure or delay in performing our obligations where such failure or delay results from circumstances beyond our reasonable control (including natural disasters, war, terrorism, pandemics, government action, power failure, internet outages, or third-party service disruptions).

17. Export Compliance

You may not use, export, or re-export the application except as authorised by applicable law, including the laws of Switzerland and, where applicable, the laws of the jurisdiction in which you obtained the application.

By using the application, you represent and warrant that:

  • You are not located in a country that is subject to an embargo or that has been designated as a "terrorist supporting" country by applicable government authorities
  • You are not listed on any applicable government list of prohibited or restricted parties, including the U.S. Treasury Department's Specially Designated Nationals List or the U.S. Department of Commerce Denied Persons List or Entity List
  • You will not use the application for any purpose prohibited by applicable law, including the development, design, manufacture, or production of nuclear, chemical, or biological weapons or missile technology

18. App Store Terms

This section applies when the application is distributed through the Apple App Store and sets out terms required by Apple Inc.

18.1 Acknowledgement

These Terms are concluded between you and Kokuko GmbH only, and not with Apple Inc. ("Apple"). Kokuko GmbH, not Apple, is solely responsible for the Kokuko application and its content. These Terms may not provide for usage rules that conflict with the Apple Media Services Terms and Conditions.

18.2 Maintenance and Support

Kokuko GmbH is solely responsible for providing any maintenance and support services with respect to the application, as specified in these Terms or as required by applicable law. Apple has no obligation whatsoever to furnish any maintenance or support services with respect to the application.

18.3 Warranty

Kokuko GmbH is solely responsible for any product warranties, whether express or implied by law, to the extent not effectively disclaimed. In the event of any failure of the application to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price for the application (if any) to you. To the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the application. Any other claims, losses, liabilities, damages, costs, or expenses attributable to any failure to conform to any warranty are the sole responsibility of Kokuko GmbH.

18.4 Product Claims

Kokuko GmbH, not Apple, is responsible for addressing any claims by you or any third party relating to the application or your possession and/or use of the application, including but not limited to: (i) product liability claims; (ii) any claim that the application fails to conform to any applicable legal or regulatory requirement; and (iii) claims arising under consumer protection, privacy, or similar legislation.

18.5 Intellectual Property Claims

In the event of any third-party claim that the application or your possession and use of the application infringes that third party's intellectual property rights, Kokuko GmbH, not Apple, will be solely responsible for the investigation, defence, settlement, and discharge of any such claim.

18.6 Third-Party Terms

When using the application, you must comply with applicable third-party terms of agreement. For example, if your use of the application involves wireless data services, you must not be in violation of your wireless data service agreement.

18.7 Third-Party Beneficiary

You acknowledge and agree that Apple, and Apple's subsidiaries, are third-party beneficiaries of these Terms, and that upon your acceptance of these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary.

19. Changes to These Terms

We may update these Terms from time to time. We will notify you of material changes by:

  • Posting the updated Terms with a new effective date
  • Sending an in-app notification or email for significant changes

If you continue to use the Service after changes take effect, you accept the updated Terms. If you disagree with the changes, you must stop using the Service and delete your account.

20. Contact Us

For questions, complaints, or claims with respect to the application:

Kokuko GmbH
Welchogasse 8, CH-8050 Zurich