Terms of Service

1. Eligibility

You must be at least 16 years old (or the digital-consent age in your country, if it is lower) to use the Service. If you are under 18, you confirm you have your legal guardian's permission. The Service is intended for personal, non-commercial use.

2. The Service

Ekiloa provides mobile application(s) on iOS and Android, public websites, and related services. Depending on the product, the Service helps you organise personal information — for example planning a budget, recording bills and expenses, or following a learning path.

The Service is an organising tool, not a financial account. We do not hold, receive, transfer, or move money. We do not connect to your bank and we do not import your bank statements: every amount shown to you is calculated from figures you entered yourself. Ekiloa is not a bank, a payment institution, a financial intermediary, or an investment adviser, and it is not supervised as one.

3. The Service Is Free of Charge

The Service is currently provided free of charge in its entirety. There is no subscription, no auto-renewal, no free trial that converts into a paid plan, no in-app purchase, and no purchase of any kind on our websites. We collect no payment information and we operate no billing relationship with you.

If we ever introduce paid features, we commit to all of the following:

• we will give you at least 30 days' prior notice by email or in-app notice, and publish updated Terms describing the price, the billing cycle, any renewal, and how to cancel;
• no charge will ever be made without your express, informed consent given at the moment of purchase, through the Apple App Store, Google Play, or another disclosed payment channel;
• continuing to use the Service after a price is introduced will never, by itself, be treated as acceptance of a charge.

Until such a notice is given and accepted, nothing in the Service can create a payment obligation for you.

4. Your Account

You need an account to use most features. You are responsible for the accuracy of the information you provide and for keeping control of the email address and the device you sign in with. Tell us immediately at [email protected] if you suspect unauthorised use of your account.

If you set an app lock code, that code is stored only on your device and never reaches our servers. Losing it means the app must be unlocked again by signing in; we cannot recover it for you.

One person, one account. Do not share your account or let someone else sign in as you.

5. No Financial, Tax or Legal Advice

The Service presents general information and calculations based on the figures you enter. It is not financial, investment, tax, accounting, or legal advice, and it is not a personalised recommendation. We are not a licensed financial adviser.

Projections, suggested amounts, envelope paces, and "money left this week" style figures are estimates derived from your own inputs and from simple assumptions. They can be wrong if your inputs are incomplete or out of date, and they do not account for everything that affects your real balance. Always check your actual bank balance before spending or committing money, and consult a qualified professional before making a significant financial decision. Decisions you take remain yours alone.

6. Acceptable Use

You agree not to:

• use the Service for any unlawful, fraudulent, harmful, or abusive purpose;
• reverse-engineer, decompile, copy, modify, or create derivative works of the Service, except as expressly permitted by mandatory law;
• attempt to gain unauthorised access to the Service, our systems, or other users' accounts, or to circumvent our authentication, rate-limiting, or app-integrity checks;
• use automated means (bots, scrapers) to access or extract content, except as described below for our public websites;
• resell, sublicense, or commercially exploit the Service or access to it;
• upload content that is illegal, infringing, defamatory, or violates the rights of others;
• interfere with the availability or integrity of the Service for other users.

Search engines and AI services. Search engines and AI services may access our public websites with automated crawlers, provided those crawlers follow the rules in the robots.txt file published on each website. This permission covers only our public web pages. It never covers our apps, any area that requires signing in, or our application programming interfaces (APIs).

If you find a security vulnerability, please report it to [email protected] rather than exploiting it. We will not pursue good-faith security research that respects user privacy and does not degrade the Service.

7. Your Content and Your Feedback

Your content stays yours. The information you enter — budgets, bills, expenses, notes, messages — belongs to you. You grant us only the limited, worldwide, royalty-free licence needed to host, store, back up, and display that content so we can operate the Service for you. We do not use your content to advertise to you and we do not sell it. This licence ends when the content is deleted, subject to the retention described in our Privacy Policy.

Feedback. If you send us suggestions or feature ideas, you allow us to use them freely to improve the Service, without obligation, attribution, or compensation. Please do not include confidential information in feedback.

8. Intellectual Property

The Service, including all software, designs, text, graphics, logos, and trademarks, is owned by Ekiloa or its licensors and is protected by Swiss, EU, US, and international intellectual-property laws. We grant you a limited, personal, non-exclusive, non-transferable, revocable licence to use the Service for your personal, non-commercial use, in accordance with these Terms. No other rights are granted.

9. Privacy & Data Protection

Our processing of personal data is described in our Privacy Policy, which is incorporated into these Terms by reference. We process your data in accordance with the Swiss Federal Act on Data Protection (nFADP/nLPD), the EU General Data Protection Regulation (GDPR) and UK GDPR, and, where applicable, the California Consumer Privacy Act as amended (CCPA/CPRA). The Privacy Policy explains your rights of access, rectification, erasure, restriction, portability, objection, and withdrawal of consent, and how to exercise them.

10. App Stores & Third-Party Services

If you obtained the app through the Apple App Store or Google Play, you also accept that store's own terms, and the following applies.

• These Terms are between you and us only. Apple and Google are not parties to them and are not responsible for the Service or its content.
• Licence scope. Your licence to use an app obtained from the Apple App Store is limited to use on Apple-branded products that you own or control, as permitted by the Usage Rules in the Apple Media Services Terms and Conditions.
• Maintenance and support. We are solely responsible for support and maintenance. Apple and Google have no obligation whatsoever to provide any support or maintenance for the app.
• Warranty. We are solely responsible for any warranty, express or implied, to the extent it is not effectively disclaimed. If the app fails to conform to an applicable warranty, you may notify Apple, and Apple will refund the purchase price of the app to you — which, because the app is free, is zero. To the maximum extent permitted by law, Apple has no other warranty obligation with respect to the app.
• Product and legal claims. We, not Apple or Google, are responsible for addressing any claim relating to the app, including product-liability claims, any claim that the app fails to conform to a legal or regulatory requirement, and any claim under consumer-protection or similar legislation.
• Intellectual-property claims. We, not Apple or Google, are responsible for the investigation, defence, settlement, and discharge of any third-party claim that the app infringes that third party's intellectual-property rights.
• Legal compliance. You represent that you are not located in a country subject to a Swiss, EU, or US embargo or designated as a "terrorist supporting" country, and that you are not listed on any government list of prohibited or restricted parties.
• Third-party beneficiaries. Apple and its subsidiaries, and Google and its affiliates, are third-party beneficiaries of these Terms and have the right to enforce them against you.

The Service also relies on third-party providers (for example for hosting, email delivery, push notifications, error monitoring, and device-integrity checks). Those providers act under their own terms and, where they process personal data, are described in our Privacy Policy.

11. Availability and Changes to the Service

We aim to keep the Service available, but it is provided on a best-efforts basis and may be interrupted for maintenance, updates, or reasons outside our control. We may add, modify, or discontinue features at any time. We will give reasonable prior notice of a change that materially reduces a feature you actively rely on, and of any planned discontinuation of the Service, so that you have time to export or delete your data.

The Service may require a recent version of the app and a supported operating system. Older versions may stop working after a reasonable notice period.

12. Disclaimers

To the maximum extent permitted by applicable law, the Service is provided "as is" and "as available", without warranties of any kind, whether express, implied, or statutory, 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 that any calculation, projection, or reminder it produces will be accurate or complete.

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded. In particular, mandatory consumer rights under Swiss, EU/EEA, UK, or US state law remain unaffected.

13. Limitation of Liability

To the maximum extent permitted by law, Ekiloa shall not be liable for indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, revenue, data, or goodwill, arising out of or in connection with your use of the Service.

Because the Service is supplied free of charge, our total aggregate liability for all claims arising from or related to these Terms or the Service is limited to CHF 100 (or the equivalent in your local currency).

Nothing in this section limits liability for fraud, gross negligence, intentional misconduct, death or personal injury caused by negligence, or any other liability that cannot be excluded under applicable mandatory law. Where a jurisdiction does not allow the exclusion or limitation of certain damages, the above applies only to the extent permitted there.

14. Indemnification

If you use the Service outside a personal, non-commercial context, you agree to indemnify and hold Ekiloa harmless from any claim, demand, loss, or expense (including reasonable legal fees) arising from your breach of these Terms, your misuse of the Service, or your violation of applicable law or third-party rights. This section does not apply where you act as a consumer, to the extent local law restricts such indemnities.

15. Suspension, Termination & Account Deletion

You can leave at any time. You may delete your account directly in the app, from the settings screen. Deleting your account erases your account data as described in our Privacy Policy. Because the Service is free, there is nothing to cancel and no final invoice. You may also simply stop using the Service and delete the app.

We may suspend or terminate your access if you breach these Terms, if we are required to do so by law, or if continued provision becomes technically or commercially unreasonable. Except where the breach is serious or immediate action is legally required, we will give you notice and, where appropriate, a chance to put things right. On termination, your licence ends and we may delete your data in accordance with our Privacy Policy.

Sections 7 (feedback licence), 8, 12, 13, 14, 17, and 19 survive termination.

16. Changes to These Terms

We may update these Terms from time to time — for example to reflect a new feature, a change of provider, or a change in the law. We will notify you of material changes by email or in-app notice at least 30 days before they take effect, and we will update the "Last updated" date at the top of this page. Your continued use of the Service after the effective date constitutes acceptance. If you do not accept the changes, stop using the Service and delete your account before that date.

17. Governing Law & Disputes

Talk to us first. Most problems are faster to solve by email. Please write to [email protected] before starting any formal proceeding, and we will try to resolve the matter within 60 days.

Governing law. These Terms are governed by the substantive laws of Switzerland, excluding its conflict-of-laws rules and the United Nations Convention on Contracts for the International Sale of Goods (CISG). Mandatory consumer protections of your country of residence (in particular within the EU/EEA, the UK, and US states such as California) remain available to you and override this choice of law where the law so provides.

Jurisdiction. The courts of Lausanne, Switzerland, have exclusive jurisdiction. Consumers domiciled in the EU/EEA or the UK may also bring proceedings in their country of residence and may rely on local mandatory law.

Alternative dispute resolution. We are not obliged to, and do not currently, participate in dispute-resolution proceedings before a consumer-arbitration board. EU consumers can find national out-of-court redress bodies through their local European Consumer Centre; the European Commission's ODR platform was discontinued on 20 July 2025 and is no longer available.

18. United States - Additional Provisions

No recurring charges. The Service involves no payment, no automatic renewal, and no negative-option billing, so US federal and state automatic-renewal rules (including ROSCA and the California Automatic Renewal Law) have nothing to apply to. If we ever introduce a paid plan, we will comply with those rules and disclose all material terms clearly and conspicuously before any charge, as described in Section 3.

Arbitration and class-action waiver (US residents only). If you are a US resident, any dispute that cannot be resolved informally within 60 days will be resolved by binding individual arbitration administered by JAMS under its Streamlined Arbitration Rules, and not in a class, collective, or representative proceeding. You may opt out of arbitration by emailing [email protected] within 30 days of first accepting these Terms, with the subject line "Arbitration Opt-Out". Opting out does not affect any other part of these Terms. Nothing in this clause prevents either party from bringing an individual claim in small-claims court.

19. General Provisions

• Entire agreement. These Terms and the Privacy Policy are the entire agreement between you and us regarding the Service, and replace any earlier version.
• Severability. If a provision is held invalid or unenforceable, the rest remains in force and the invalid provision is replaced by a valid one that comes closest to its intended effect.
• No waiver. Not enforcing a provision on one occasion is not a waiver of the right to enforce it later.
• Assignment. You may not assign these Terms. We may assign them to an affiliate or in connection with a merger, acquisition, or sale of assets, provided your rights under these Terms and our Privacy Policy are preserved; we will tell you if that happens.
• Force majeure. Neither party is liable for a failure caused by an event beyond its reasonable control, for as long as that event lasts.
• Language. These Terms are published in English and French. In case of discrepancy, the French version prevails for consumers domiciled in Switzerland or France; the English version prevails elsewhere.

20. Contact