Kulner Financial Management App — Terms of Use

These Terms describe your use of Kulner Financial Management App, provided by Kulner INC. (“Kulner,” “we,” or “us”), an Ontario-incorporated business located in Toronto, Ontario, Canada.

Please read these Terms before using the app. If you do not agree, do not use it. Stopping use or deleting the app does not itself cancel an Apple-billed subscription.

Your licence to the iOS app is governed by the end-user licence agreement applicable to your App Store download. Where no custom EULA is supplied, Apple's Standard EULA applies: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

These Terms address Kulner Financial Management App's product and support arrangements. They do not replace the applicable software licence or reduce rights under it. Mandatory law takes priority over any inconsistent provision.

Kulner Financial Management App helps you organize personal financial records and review information derived from those records. It does not provide investment, tax, accounting, or legal advice.

Check entries, receipt-recognition results, categories, and reports against your original records before relying on them. Automated recognition and user-entered information may contain errors. You remain responsible for your financial decisions and any filings you make.

You retain ownership of the information and documents you enter. These Terms do not transfer ownership of your financial records to Kulner.

Use only information you are entitled to use. Do not use the app or support channels for unlawful activity, infringement, harassment, malicious content, or attempts to bypass security.

Keep your device secure and maintain suitable copies of important records. Check that any backups or exports you rely on are complete and accessible. Do not assume support can recover deleted or unavailable records.

Available plans, prices, billing periods, included features, and offer conditions are presented before purchase. Available subscriptions are monthly and yearly, billed through Apple.

Customers select a subscription before accepting an Apple-managed trial. Eligible customers may receive a free introductory trial; Apple’s purchase screen shows eligibility, duration, price, and billing period.

The subscription renews automatically, including conversion from trial to paid access, unless canceled. To avoid a trial converting to a paid subscription, cancel at least 24 hours before the trial ends. Manage or cancel subscriptions through your Apple Account subscription settings and review the renewal information Apple provides (https://support.apple.com/en-ca/118428).

After access expires, existing records and groups remain viewable; CSV/JSON export and Settings/Support remain available. Creating, modifying, or deleting records or groups, receipt scanning, and importing or restoring backups require active access.

Expiry itself does not delete local records. However, we do not promise recovery after deletion, uninstallation, or device loss.

You can request a refund for eligible Apple purchases through Apple's refund process: https://reportaproblem.apple.com/

Refund eligibility depends on the transaction, applicable rules, and law. Nothing here removes any refund or cancellation right provided by law.

Our Privacy Policy explains the handling of personal information: https://kulner.com/products/kulner-pfm/privacy

For app support, feature suggestions, or questions about these Terms, contact contact@kulner.com. For privacy requests, contact privacy@kulner.com.

When seeking support, share only information relevant to your request. Do not send passwords, payment-card details, or unnecessary financial records. Feature suggestions do not create a commitment to implement them.

Features may depend on supported devices, operating-system versions, connectivity, and services supplied by Apple or other providers. Interruptions or compatibility issues may occur.

We may update the app to fix problems or improve it. Material changes affecting purchased access will be handled consistently with the purchase terms and applicable law.

We do not promise that the app will be error-free or suitable for every purpose. This statement does not exclude any legally required warranty, standard of care, or remedy.

Nothing in these Terms excludes liability that cannot lawfully be excluded, or waives mandatory consumer protections. Any limitations in the applicable EULA remain subject to those protections.

We will identify revised Terms by their effective date and provide notice of material changes through an appropriate app or website notice. Where consent is legally required, we will request it. Changes will not retrospectively remove accrued rights.

Subject to mandatory protections available where you live and the applicable EULA, these supplemental Terms are governed by Ontario law and applicable Canadian federal law. This clause does not require you to give up a legally protected local forum or remedy.

Kulner INC.
Toronto, Ontario, Canada
Terms and general contact: contact@kulner.com
Privacy contact: privacy@kulner.com