By downloading, installing, or using the Inkapify mobile application ("App"), you confirm that you are at least 13 years of age, have read and understood these Terms & Conditions ("Terms"), and agree to be legally bound by them.
If you are using the App on behalf of an organisation, you represent that you have the authority to bind that organisation to these Terms.
Inkapify is a personal finance tracking application that allows users to manually record and organise their income, expenses, transfers, budgets, goals, debts, recurring transactions, and investments. The app includes an optional AI-powered assistant called Inka, which answers questions about your personal financial data using aggregated summaries.
Any financial insights or summaries generated by the App, including those generated by the Inka AI assistant, are for informational and organisational purposes only. Inka AI responses are generated by an AI model and may not always be accurate. Always consult a qualified financial professional for financial decisions.
You must create an account to use Inkapify. You agree to provide accurate, current, and complete information during registration and to keep your account information updated.
Each account is for a single individual. You may not share your account with others or create accounts on behalf of others without their knowledge and consent.
You may delete your account at any time from within the App under Profile → Settings → Delete Account. Upon deletion, all your personal data will be permanently removed from our servers within 30 days.
You agree to use Inkapify only for lawful, personal finance tracking purposes. You agree NOT to:
We reserve the right to suspend or terminate your account immediately if we determine, in our sole discretion, that you have violated these acceptable use terms.
The Inka AI assistant is powered by Anthropic's Claude API. By using Inka AI, you agree to the following:
Only aggregated, anonymised financial summaries are sent to Anthropic. Your raw transactions, personal identifiers, and account details are never shared. See our Privacy Policy Section 4A for full details.
Your use of Inka AI is also subject to Anthropic's usage policies. See anthropic.com/legal/aup.
Inkapify offers a Pro subscription that unlocks additional features including unlimited accounts, budgets, full transaction history, advanced reports, CSV import/export, and increased Inka AI usage limits.
You may cancel your subscription at any time through Google Play Store. Cancellation takes effect at the end of the current billing period. You retain Pro access until the period ends. No partial refunds are provided for unused portions.
Refund requests are handled by Google Play Store in accordance with their refund policies. We do not process refunds directly. Contact Google Play support for refund requests.
We reserve the right to change subscription pricing with reasonable advance notice. Your continued use of a Pro subscription after a price change constitutes acceptance of the new price.
Users designated as beta testers receive Pro-level access at no charge for a limited period. Beta access may be modified or revoked at any time at our sole discretion.
Early adopters who registered before the introduction of paid subscriptions may receive permanent Pro access at no charge. This is a discretionary benefit and may not be transferred.
Free plan limits are controlled via remote configuration and may be adjusted from time to time. We will not reduce free tier limits without reasonable notice to users.
Inkapify accepts voluntary one-time donations to support development. By making a donation, you agree to the following:
You own all financial data you enter into Inkapify. We do not claim any ownership rights over your personal financial information.
By using Inkapify, you grant us a limited, non-exclusive license to store, process, and display your data solely for the purpose of providing the App's services to you. We do not use your financial data for any other purpose.
Our collection and use of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.
To the fullest extent permitted by law, Inkapify expressly disclaims all warranties, whether express, implied, or statutory, including but not limited to:
To the maximum extent permitted by applicable law, Inkapify and its developers, officers, and affiliates shall not be liable for any:
Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you.
You may stop using the App and delete your account at any time, for any reason, without notice to us.
We reserve the right to suspend or terminate your access to the App at any time, with or without cause, including if we believe you have violated these Terms. We will make reasonable efforts to notify you except where doing so would be unlawful or harmful.
The Inkapify app, including its name, logo, design, code, features, and content (excluding your personal data), is owned by Inkapify and protected by applicable intellectual property laws.
We grant you a limited, non-exclusive, non-transferable, revocable license to use the App for your personal, non-commercial purposes in accordance with these Terms.
You may not:
We may update these Terms from time to time to reflect changes in our practices, the App's features, or applicable law. When we make changes we will:
Your continued use of the App after the updated Terms take effect constitutes your acceptance of the changes. If you do not agree to the updated Terms, you must stop using the App.
Questions about these Terms? We're happy to clarify anything.