The rules of the road.

By creating an account, joining the waitlist, or otherwise using Kobolytics, you agree to these Terms of Service and to our Privacy Policy. If you do not agree, please do not use the service.

You must be at least 18 years of age to use Kobolytics. By using the service you confirm that you are.

Kobolytics is a read-only personal-finance analytics tool. With your permission, we connect to your Nigerian bank account through Mono and:

• Read your transaction history
• Categorise each transaction
• Show you summaries, budgets, and recurring bills
• Send you notifications about your spending

Kobolytics cannot move money. The Mono integration is strictly read-only. We cannot send transfers, change your account details, or contact anyone on your behalf.

You are responsible for the information you give us, for the security of your login credentials, and for everything that happens under your account. If you suspect unauthorised access, contact us at founder@kobolytics.com immediately.

You may close your account at any time from settings. When you do, we will action deletion within 30 days, except where we are legally required to retain certain records.

You connect your bank yourself, through Mono. By doing so, you:

• Authorise Mono to read your transactions and share them with Kobolytics
• Authorise Kobolytics to process those transactions for analytics purposes
• Confirm that you are the rightful owner of the account being connected

You can disconnect your bank at any time from settings. Mono's own terms and privacy policy also apply when you use their service inside Kobolytics.

While Kobolytics is in beta, the core experience is free. We will give you at least 60 days' notice before that changes.

If you choose to pay for an optional subscription in future, we will show you the price, the cadence, and what it covers before you confirm. You can cancel a subscription at any time.

You agree not to:

• Use Kobolytics for any unlawful purpose
• Attempt to access accounts, data, or systems that do not belong to you
• Reverse-engineer, decompile, or otherwise try to extract our source code
• Use Kobolytics to harass, defraud, or harm anyone — including yourself
• Scrape, crawl, or systematically download data from the service
• Interfere with the operation of the service or its security

We reserve the right to suspend or terminate accounts that violate these rules.

Kobolytics is an analytics tool. The dashboards, budgets, and notifications it produces are not financial advice and are not a substitute for advice from a qualified professional.

You are responsible for your own financial decisions. We do not guarantee that the categorisation, parsing, or insights we generate will be free of errors — and you should not rely on them as the basis of consequential decisions without checking the underlying transactions yourself.

The Kobolytics name, wordmark, design system, and software are owned by Zodos Technology. You may not copy, modify, or distribute them without our written permission.

The transaction data inside your account belongs to you. We hold it on your behalf and will give it back to you on request in a machine-readable format.

We work to keep Kobolytics available, but we cannot promise it will always be up. We may take the service down for maintenance, for upgrades, or because of something outside our control (a Mono outage, an upstream bank issue, a network failure).

Where we plan downtime, we will tell you in advance. Where we cannot, we will tell you as soon as we know.

Kobolytics is provided "as is" and "as available." To the maximum extent permitted by law, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that the service will be uninterrupted, error-free, or completely secure.

To the maximum extent permitted by Nigerian law, Zodos Technology and its directors, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of Kobolytics — including lost profits, lost savings, or losses caused by relying on the service's output.

Our total liability to you for all claims arising out of or relating to the service will not exceed the amount you paid us in the twelve months preceding the claim. If you did not pay us anything, our liability is limited to ten thousand naira (₦10,000).

You agree to indemnify Zodos Technology against any claims, losses, damages, or expenses arising from your misuse of the service, your breach of these terms, or your violation of someone else's rights.

You can stop using Kobolytics at any time. We may suspend or terminate your account if you breach these terms, if we suspect fraud, or if we are required to by law. Where we can, we will give you notice and a chance to put things right first.

On termination, the sections of these terms that are intended to survive — including Disclaimers, Limitation of liability, Indemnity, and Governing law — will continue to apply.

We may update these terms from time to time. When we make material changes, we will notify you by email or in the app and update the "Last updated" date at the top of this page. If you continue to use the service after a change takes effect, you accept the updated terms.

These terms are governed by the laws of the Federal Republic of Nigeria. Any dispute will be subject to the exclusive jurisdiction of the courts of Lagos State.

If you have questions about these terms, write to us:

• Company: Zodos Technology
• Email: founder@kobolytics.com