Terms of Service
Effective: 2026-09-21 · Operator: Koda Digital LLC · Contact: contact-us@kodadigital.ai
These terms cover your use of Koda Finance, the mobile app and the service behind it. By signing in, you agree to them. They are written to be read, so they are short. If anything here is unclear, email us before you rely on it.
1. What Koda Finance is
Koda Finance shows you your own money in one place: account balances, net worth over time, transactions, spending by category, and upcoming bills. You connect your bank, card and brokerage accounts through Plaid, and you can add assets Plaid can't see by entering their value yourself.
2. What it is not
- It never moves money. Koda Finance reads your account data. It cannot make payments, transfers or trades, and it never asks for permission to.
- It is not financial, tax, investment or legal advice. Numbers are shown as your institutions report them, plus simple totals and categories. Decisions you make are yours.
- It is not your bank's official record. Balances and transactions can be delayed, miscategorised or incomplete — for example, until you pull to refresh, or when an institution reports late. Check with your institution before acting on a figure.
3. Who can use it
Koda Finance is an invite-only beta. It is not in the app stores: the app is sent directly to people who ask to try it, and they create their own account in it. We may close sign-up or disable an account at any time. You must be at least 18, and you may only connect accounts that you own or are authorised to view.
4. Your account
Signing in needs your password and a code from an authenticator app, and the app asks for your phone's Face ID, fingerprint or passcode when it opens. You are responsible for keeping your password, authenticator and phone secure. If a phone is lost or you think someone else has access, use Sign out of every device in the app and tell us.
5. Connecting accounts through Plaid
Bank connections are provided by Plaid Inc. You enter your bank login inside Plaid's own screens; Koda Finance never sees or stores it. By connecting an account you also agree to Plaid's End User Privacy Policy. You can disconnect an institution at any time from the Accounts screen.
6. Your data
Your financial data is yours. We use it only to show it back to you in the app. We do not sell it, share it for advertising, or use it to profile you. What we store, why, for how long, and how it is protected is set out in the Privacy Policy and the security documentation, which form part of these terms.
7. Deleting your account
You can delete your account from inside the app: Accounts → Delete account and all data. That disconnects every institution at Plaid, deletes everything stored about you, erases the transaction history on that phone, and deletes your sign-in. It cannot be undone, so export your transactions first if you want to keep them. If you can't reach the app, email us and we will do it for you within 7 days.
8. Acceptable use
Don't try to access anyone else's data, get around sign-in or the app lock, probe or overload the service, reverse-engineer it to extract credentials, or use it for anything unlawful. Security researchers who find a problem are welcome to report it to us privately.
9. Availability and changes to the service
This is a beta. Features may change, pause or be removed, and the service may be unavailable at times. The app may require you to update to a newer version before it can be used, so that everyone is on a version that works and is secure.
10. Price
Koda Finance is currently free during the beta. If that changes, we will tell you in advance and you will not be charged unless you agree.
11. The service is provided "as is"
We work to keep Koda Finance accurate, secure and available, but we provide it "as is" and "as available", without warranties of any kind, to the fullest extent the law allows.
12. Limits on our liability
To the fullest extent the law allows, Koda Digital is not liable for indirect or consequential losses, or for decisions made using information shown in the app. Our total liability for any claim about the service is limited to the amount you paid us for it in the twelve months before the claim — which, while the beta is free, is nothing. Nothing in these terms limits liability that cannot be limited by law.
13. Ending your use
You can stop at any time and delete your account as described in §7. We may suspend or end access if these terms are broken, if it's needed to protect you, other users or the service, or if the beta closes — and if the service closes, we will give notice where we can and time to export your data.
14. Governing law
[To be completed by the operator: the governing law and venue for disputes — for example, the state in which Koda Digital LLC is registered.]
15. Changes to these terms
If these terms change, we will update this page and its effective date, and tell you in the app or by email before a significant change takes effect. Continuing to use Koda Finance after that means you accept the new terms.
16. Contact
Koda Digital LLC · contact-us@kodadigital.ai