Terms and conditions

What Kenzio is

Kenzio is an app for tracking your expenses and income in different currencies, keeping up with upcoming bills and keeping track of what you share with other people.

Kenzio is a record-keeping tool. It is not a bank or a digital wallet: it doesn’t move money, doesn’t process payments and doesn’t connect to your bank accounts.

Your account

• You must be at least 13 years old to use Kenzio.
• The information you give us to create your account must be accurate.
• You’re responsible for keeping your password safe and for what happens in your account. If you think someone accessed it without permission, let us know.
• Each account is personal: don’t share or sell it.

Your data is yours

Everything you add to Kenzio belongs to you. You give us permission to store and process it only to run the app and show it to you. How we protect it is explained in the privacy policy.

When you share an expense or a group, the people included can see it. An event link works like a key: anyone who has it can view the event and add expenses, even without an account. Only share it with the people taking part.

Acceptable use

You can use Kenzio to organize your personal finances. You may not:

• Use it for illegal activities or to deceive other people.
• Try to access accounts or data that aren’t yours.
• Overload, attack or interfere with the operation of the service.
• Scrape data automatically or copy the app, except through the integrations we offer.
• Use shared expenses or friend requests to harass other people.

Exchange rates, balances and calculations

Exchange rates come from external sources and may be delayed or differ from the rate your bank or card applies. Conversions, totals and analyses are for guidance only.

The categories Kenzio suggests are chosen by an AI model and may be wrong: review them before saving.

Balances between friends and groups are a record of what you entered. Kenzio doesn’t collect debts or take part in payments between people.

Nothing Kenzio shows is financial, accounting or tax advice.

Claude integration

If you connect Kenzio to Claude, you authorize that assistant to read, add, edit and delete data in your account. What the assistant does with your authorization is your responsibility, and its use is also governed by Anthropic’s terms. You can revoke access at any time from Settings → AI integrations.

Price

If we ever charge for Kenzio or for a feature, we’ll tell you beforehand, with the price and conditions. We never charge you anything without your consent.

Availability and changes to the app

We work to keep Kenzio running at all times, but there may be outages, errors or maintenance. We may add, change or remove features. If a change significantly affects you, we’ll let you know in advance.

Liability

We provide Kenzio as is. To the extent permitted by law, we are not liable for decisions you make based on information in the app, or for indirect damages caused by outages, exchange rate errors or incorrectly entered data. Nothing in these terms limits the rights you have under Argentina’s Consumer Protection Law No. 24,240.

Closing and suspending accounts

You can stop using Kenzio whenever you want and ask us to delete your account by writing to kenzio.app@gmail.com.

If you don’t follow these terms, we may suspend or close your account. Except in serious cases, we’ll warn you first and give you the chance to request a copy of your data.

Intellectual property

The Kenzio name, logo, design and software are ours. Using Kenzio doesn’t give you any rights over them.

Changes to these terms

If we change these terms, we update the date above. If the change is significant, we’ll let you know by email or in the app before it takes effect. If you keep using Kenzio after that, you accept the new terms.

Governing law

These terms are governed by the laws of the Argentine Republic. If you are a consumer, you can file a claim before the courts of your place of residence.

Contact

For any questions about these terms, write to us at kenzio.app@gmail.com.

This is a translation of the Spanish version. If they differ, the Spanish version prevails.