Terms & Conditions

You retain your rights in the information and images you add. You let us store, process and show them as needed to provide Kokuko. Circle members can see shared records, including tasks, shopping, expenses, receipts, balances, notes and activity. Add and invite only what you have the right to share. Records may remain useful to other members after you leave; an authorised member can delete a circle.

The current app gives an installation access to circles through joining or recovery. Keep recovery codes safe: anyone with a valid code may be able to regain access. Choose strong passwords for protected members and do not share them with unauthorised people. You must be at least 16 to use Kokuko.

Expense splits, balances and settlement suggestions help members keep records. Kokuko does not transfer money or provide financial, tax or legal advice. Check amounts and settle payments directly with the people involved.

AI features may help scan receipts or lists and draft tasks, expenses or plans. They require a connection and may require Kokuko Plus. AI features are for adults aged 18 or over. AI output can be wrong; review it before saving or acting on it. Do not submit content you lack the right to use or use these features for unlawful or harmful purposes. The Privacy Policy explains what is sent for processing.

Available paid features, usage limits, price and billing period are shown before purchase. Apple handles iOS App Store payments. Subscriptions renew automatically unless cancelled in your Apple subscription settings before renewal; deleting the app does not cancel a subscription. Cancellation normally takes effect at the end of the paid period. Purchases and restores are verified before Plus access is granted.

Request App Store refunds through Apple. Your statutory cancellation and refund rights remain unaffected. Price changes follow Apple’s notice and consent process. Ending Plus removes access to paid features, not the circle records you have already created.

Do not bypass access or usage limits, misuse recovery codes, disrupt the service, harass others, or infringe their rights. We may restrict online features where reasonably necessary to address abuse, security threats or legal requirements. Where practicable, we will explain why and let you challenge a restriction.

If you migrate a circle from the old app, you must have authority to transfer its shared information. Review the transferred data and tell other members where appropriate. We grant you a personal, non-transferable licence to use the iOS app on devices you own or control, subject to Apple’s App Store usage rules. Apple’s store terms also apply to your download.

We will provide Kokuko with reasonable care and skill. We cannot promise uninterrupted access or error-free AI output, expense calculations or data imported from the old app. Keep your recovery code in a safe place so you can regain circle access if you change devices.

To the extent permitted by law, we are not liable for unforeseeable losses, business losses from personal use, or failures caused solely by services outside our control. Nothing here excludes liability for fraud, deliberate misconduct, gross negligence, death or personal injury caused by negligence, or limits consumer rights that cannot lawfully be limited.

We may update Kokuko or these terms for features, security or law. We will give reasonable advance notice of material changes affecting paid services unless urgent action is needed, and preserve any right to cancel or obtain a refund required by law.

Swiss law applies to these service terms without taking away mandatory consumer protections in your country of residence or your right to use a court available under those protections. Please contact us first so we can try to resolve a problem.