This is a plain-language draft. It has not been reviewed by a lawyer yet and is not the final legal text. Legal counsel will check it before launch.
These terms explain how you can use Coinkin, a budgeting app with talking characters that tells you whether to buy now, wait, buy elsewhere or skip a purchase this month. By creating an account you agree to them.
1. What Coinkin does
Coinkin compares the prices you show it with store prices and with your own money set-up, then gives you a suggestion. The suggestion is based on the information available at that moment, which may be incomplete or out of date. You always decide what to buy.
2. Not financial advice
Coinkin gives budgeting and price information only. It does not give investment, credit, tax or legal advice, and it is not a bank. For decisions like these, talk to a qualified professional.
3. Your account
You need an account to use Coinkin. Keep your password to yourself and tell us if you think someone else is using your account. You must be old enough to accept these terms where you live.
4. The information you give
You type or say your income, bills, goals and balance yourself. We never ask for your bank login, card numbers or account numbers. Keep your figures honest and up to date: the suggestions are only as good as the numbers behind them.
5. Prices and stores
Prices come from stores, receipts and shared price data, and can change at any time. Store names belong to their owners, and Coinkin is not linked to any store unless we say so. Always check the final price at the till or checkout.
6. The characters
The mascots are AI characters with synthetic voices. They may joke about prices at the humor level you choose, but never about you. They can make mistakes, so look at the evidence behind each verdict.
7. Subscriptions
Coinkin has a free plan and paid plans. Paid plans and free trials are sold through the App Store or Google Play, and their rules apply to payment, renewal, cancellation and refunds. You can cancel any time in your store account settings.
8. Fair use
Do not misuse the app: no attempts to break it, overload it, copy its data in bulk or use it for anything unlawful. We may limit or close accounts that do.
9. Ending and changes
You can delete your account at any time in the app. We may update these terms; if a change matters, we will tell you in the app before it applies.
Questions? Write to us at [contact email to be added before launch].
This is the same text you see in the app. Also read the Privacy Policy.