Terms of Service

Last updated: June 8, 2026. Oiko (“we,” “our,” “us”) is provided by the developer of the Oiko mobile application.

These Terms of Service (“Terms”) govern your access to and use of the Oiko mobile application and related services (collectively, the “Service”). By creating an account or using the Service, you agree to these Terms and to our Privacy Policy.

1. The Service

Oiko helps households manage budgets, receipts, shopping, and related home-finance workflows. Features may change over time. Some features are available without a paid subscription; others require an active paid plan.

2. Eligibility and accounts

You must be old enough to enter a binding contract where you live and must provide accurate account information. You are responsible for activity under your account and for keeping your login credentials secure. Notify us promptly if you believe your account has been compromised.

3. Subscriptions and billing

Oiko may offer paid subscription plans (for example, Premium and Unlimited tiers). When you purchase a subscription:

• Payment. Purchases are processed by Apple (App Store) or Google (Google Play), not directly by us. Your payment method and billing are subject to the store’s terms.
• Auto-renewal. Subscriptions renew automatically at the end of each billing period unless you cancel before renewal. The renewal price and period are shown in the app and in the store at the time of purchase.
• Cancellation. You can cancel anytime through your device’s subscription settings (Apple: Settings → Apple ID → Subscriptions; Google: Google Play → Payments & subscriptions). Cancellation stops future charges; you generally keep access until the end of the current paid period.
• Refunds. Refund requests are handled by Apple or Google under their policies. We do not control store refund decisions.
• Free trials and promotions. If offered, trial or promotional terms shown at signup apply. Unused trial time may be forfeited when you purchase a subscription.

4. Acceptable use

You agree not to misuse the Service. For example, you must not:

• Break the law or infringe others’ rights;
• Attempt to access accounts or data that are not yours;
• Reverse engineer, scrape, or overload the Service except as allowed by law;
• Upload malware or use the Service to send spam or abusive content;
• Circumvent subscription, security, or usage limits.

5. Your content

You retain ownership of content you submit (such as receipts and household data). You grant us the rights needed to host, process, sync, and display that content solely to operate and improve the Service. You represent that you have the rights to submit the content you provide.

6. Not financial advice

Oiko is a personal organization and budgeting tool. It does not provide financial, tax, legal, or investment advice. You are solely responsible for financial decisions you make using information from the Service.

7. Third-party services

The Service relies on third-party providers (including Apple, Google, Firebase, Supabase, and RevenueCat for subscriptions). Their services are subject to their own terms and policies. We are not responsible for third-party services outside our reasonable control.

8. Disclaimers

The Service is provided “as is” and “as available.” To the fullest extent permitted by law, we disclaim warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not guarantee uninterrupted, error-free, or secure operation.

9. Limitation of liability

To the fullest extent permitted by law, we are not liable for indirect, incidental, special, consequential, or punitive damages, or for loss of profits, data, or goodwill. Our total liability for claims relating to the Service is limited to the greater of (a) the amount you paid us for the Service in the twelve months before the claim or (b) one hundred U.S. dollars (USD 100), except where law does not allow such limits.

10. Termination

You may stop using the Service at any time and may delete your account from within the app. We may suspend or terminate access if you violate these Terms or if needed to protect the Service or other users. Sections that by nature should survive termination (including disclaimers, limitations of liability, and governing law) will survive.

For account deletion instructions, see our Account Deletion page.

11. Changes

We may update these Terms from time to time. We will post the updated version on this page and revise the “Last updated” date. Continued use after changes become effective means you accept the updated Terms.

12. Governing law

These Terms are governed by the laws of the Republic of South Africa, without regard to conflict-of-law rules, except where mandatory consumer protection laws in your country of residence require otherwise.

13. Contact

Questions about these Terms: kyle.fishhoek@gmail.com.

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