Terms of Service
The short version
Kuma is a personal expense-logging app operated by Ching Yu Dai, an independent developer. These Terms are the agreement between you and us. In plain language: Kuma helps you keep your own books; Kuma is not a bank and not a financial adviser; the app is provided as is, with no promise that it is accurate or always available; our liability to you is limited; and if something goes wrong, we encourage you to contact us first. The sections below say all of that properly, and the headings tell you what each one does.
Who “we” means
“We,” “us,” or “Kuma” means Ching Yu Dai, an independent developer who operates the Kuma service. If Kuma later moves to a company, the Transfers section below covers it.
Accepting these Terms
By tapping to agree when you sign in, or by using Kuma, you accept these Terms and acknowledge that you have had an opportunity to review our Privacy Policy. If you do not agree, please do not use Kuma. We record which version you accepted and when, so that both of us can tell later which text applied.
You must be 13 or older
You must be at least 13 years old to use Kuma. If you are under the age of legal majority where you live, you may use Kuma only with the permission of a parent or legal guardian who has reviewed these Terms. Kuma is not directed to children under 13, and we do not knowingly allow children under 13 to create an account. If we learn that a child under 13 has created an account, we may suspend the account and delete its data as required by law. If you believe a child under 13 is using Kuma, please tell us.
Where Kuma is offered
Kuma is currently offered only to residents of the United States, and is designed for English-language, USD expense logging. We make no representation that Kuma is available or appropriate elsewhere.
Your account
You sign in with Apple or Google, and you are responsible for keeping that account and your device secure. Everything logged under your Kuma account is treated as yours. Please keep the account to yourself rather than sharing it, and email us if you think someone else has reached your ledger.
Kuma is not financial, tax, or accounting advice
Kuma records what you type and reports your own numbers back to you. Kuma notices; Kuma never advises. Nothing in Kuma — no message, figure, total, chart, summary, or sticker — is financial, tax, accounting, investment, or legal advice, and none of it is a substitute for a qualified professional or for your own judgment. Do not rely on Kuma for a tax filing, a reimbursement or expense claim, a loan or benefits application, or any other decision that matters: check the figures against your own bank and card statements and receipts first. You are responsible for what you enter and for anything you do with what Kuma shows you.
Kuma can be wrong, and you can correct any entry
Kuma reads your messages with an AI model. That model can misread an amount, a merchant, a category, or whether money came in or went out. Kuma is not a bookkeeping service, an accountant, or an audit, and Kuma is not a bank: there is no connection to your bank, card, or any payment system, Kuma never moves money, and Kuma cannot see any transaction you have not entered. Every entry can be edited or deleted in the app, and we ask you to review what Kuma records.
Your content
What you write remains yours. You give us a limited, non-exclusive licence to receive, store, process, reproduce, and display your messages and entries solely as necessary to operate, secure, and support Kuma. This includes allowing our service providers to process content on our behalf. This licence ends when the content is deleted from our active systems, except where limited retention is technically or legally necessary. Our Privacy Policy explains what is sent where, and to whom.
Keep your own records
We do not guarantee that your data will be preserved, and Kuma should not be your only record of your spending. Data can be lost to a fault, an outage, a provider failure, or a mistake, and we are not liable to you for that loss. Deleting your account permanently removes the active-service data associated with your account. Some limited records or backup copies may remain where technically or legally necessary, as explained in our Privacy Policy. Once deletion is processed, we cannot restore your account.
How you agree to use Kuma
Please use Kuma to keep your own books, and not: to break the law or anyone’s rights; to log or store another person’s personal information without their permission; to try to reach another person’s account or data; to probe, overload, or work around our security, rate limits, or usage limits; to access Kuma with bots, scripts, or scrapers, or through anything other than the app; to copy, resell, rebrand, or — except to the extent applicable law permits — reverse engineer the service; or to send content designed to manipulate the AI model or to abuse the person operating Kuma. We may limit, suspend, or end access that does any of this.
Kuma itself
Kuma’s software, artwork, character, design, and branding belong to us. Your licence to use the iOS app is governed by Apple’s Standard End User License Agreement. These Terms govern your use of the Kuma service and grant no rights in Kuma’s trademarks or artwork.
Third-party services
Kuma depends on services provided by companies such as hosting, authentication, monitoring, and AI-processing providers. We are not responsible for outages, changes, or failures caused by third-party services outside our reasonable control, although we remain responsible for obligations that applicable law does not allow us to disclaim.
Events outside our control
We are not responsible for delay or failure caused by events outside our reasonable control, such as internet or infrastructure outages, natural disasters, government actions, labour disruptions, or failures of third-party service providers.
Changes to Kuma and to these Terms
Kuma is early software. We may add, change, or remove features, and we may suspend or discontinue the service. We may also update these Terms. If a change materially affects your rights or obligations, we will notify you and ask you to accept the updated Terms before continuing to use Kuma. Nonmaterial corrections may take effect when published, but will not materially reduce your rights or apply retroactively to an existing dispute.
Price
Kuma is currently free. We will not charge you without first clearly disclosing the price and obtaining any consent required by law. If paid features are introduced, additional payment or subscription terms may apply.
No warranties
Kuma is provided “as is” and “as available”, without warranties of any kind, whether express, implied, or statutory. To the fullest extent the law allows, we disclaim the implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement, and we do not warrant that Kuma will be accurate, complete, secure, uninterrupted, or error-free, or that it will preserve your data. Some places do not allow these exclusions, in which case they apply to you only as far as the law allows.
Limit on our liability
To the fullest extent the law allows: we are not liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost savings, lost data, or the cost of substitute services, even if we were told such damages were possible; and our total liability for all claims relating to Kuma is limited to the greater of the amount you paid us for Kuma in the twelve months before the claim, or fifty US dollars. These limits apply whatever the legal theory, and they apply even if a remedy fails of its essential purpose. Some places do not allow these limits, in which case they apply to you only as far as the law allows, and nothing in these Terms limits liability that cannot be limited by law.
Ending this agreement
You can stop using Kuma whenever you like, and you can delete your account and its data from the Account screen. We may suspend or end your access if you break these Terms, if we need to protect Kuma or the people using it, or if we discontinue the service; where it is practical, we will tell you first. Sections that by their nature should survive termination — including intellectual-property ownership, warranty disclaimers, liability limitations, and governing law — will survive.
Disputes and governing law
These Terms and any dispute concerning Kuma are governed by the laws of the State of New York, without regard to its conflict-of-laws rules. Before filing a claim, we encourage you to contact us at [email protected] so we can try to resolve it informally. Either party may bring an eligible claim in small-claims court. Except for eligible small-claims matters and rights that cannot lawfully be waived, you and we agree to the exclusive jurisdiction and venue of the state courts located in Tompkins County, New York, and the federal courts of the Northern District of New York. Nothing in these Terms removes any consumer right or remedy that cannot legally be waived.
The App Store
Apple’s Standard End User License Agreement governs your licence to the iOS application. These Terms govern your access to and use of Kuma’s service. This agreement is between you and us, not Apple. Apple is not responsible for operating, maintaining, or supporting Kuma. You must use Kuma consistently with the applicable App Store terms.
Transfers
We may assign or transfer this agreement, in whole or in part, to a company we form or to a successor in a merger, acquisition, or sale of the business, and your agreement then continues with them without any further step from you. You may not transfer your account or this agreement to anyone else.
The rest
These Terms are the entire agreement between us concerning the Kuma service, and replace anything said earlier. Apple’s Standard End User License Agreement separately governs your licence to the iOS app. If part of them cannot be enforced, the rest still stands and the unenforceable part is narrowed to the least extent needed. Not enforcing something straight away is not giving it up. We are not partners, and these Terms give no rights to anyone else. Headings are for convenience only.
Contact
Questions about these Terms? Reach us at [email protected].