Terms of Service

These draft terms describe the current limited-access development version of KOA Family Finances. They are not final terms for a publicly launched service.

What the service does

The application is being developed for household budgeting, recurring-bill tracking, and financial reconciliation. Some functions use test data and others are read-only. Public account registration, automatic financial changes, and live financial audit backups are not currently offered.

Access and responsible use

Access to the present build is restricted to authorized accounts. Use the service only with financial information you own or have permission to access, and protect your sign-in credentials.

Financial information

This software is not a bank, payment processor, financial adviser or accounting professional. Transactions and balances may be delayed, incomplete or inaccurate. Confirm significant financial decisions, payments and balances directly with your bank or other provider.

External services

Features may rely on Google and third-party infrastructure or banking-data services, whose terms and availability may also apply. Integrations and applicable third-party notices should be confirmed before public launch.

Service availability and data

Features can change during development. No uptime, recovery-time, automated backup, or transaction-write guarantees are offered for the test version.

Operator and public launch terms — under review

KOA Family Finances is presently developed as an individually operated, limited-access project. No separate registered KOA legal entity is claimed by this test version. Before publication: confirm the legally responsible operator and any required identifying/contact disclosures, eligibility and age limits, account closure, subscriptions and refunds (if any), applicable law and consumer protections, dispute procedures, warranty and liability terms, and how future users will accept terms.

Account closure and privacy requests — review draft

For the private household phase, users can submit access, correction, export, bank-disconnection or account-closure requests to support@getkoaops.com. The intended process is manually reviewed and requires verified authorization and a confirmed scope; closing an app account is not the same as disconnecting one bank account. No automatic or immediate deletion promise is made. The deletion tools and provider-specific requirements must be validated before this section can be approved.

Changes and contact

Inbound delivery to the KOA support address has been tested. An effective date, version history, responsible legal operator and approved branded reply process must be established before publication.