1. Who operates Kubyn
Kubyn is operated by Vibexio Private Limited, registered at Chennai, Tamil Nadu, India. The company holds no licence or registration from the Reserve Bank of India, the Securities and Exchange Board of India, the Insurance Regulatory and Development Authority of India, or the Pension Fund Regulatory and Development Authority.
Everywhere Kubyn touches a regulated activity, that activity is carried out by a licensed partner, and this page names which one.
2. Financial features Kubyn provides
These are the only money-related functions in the app. The list is kept aligned with the Financial features declaration filed with Google Play, so the two never disagree.
| Feature | What it actually does |
|---|---|
| Expense and income tracking | Recording transactions by hand, by voice, or from an account you have linked, and sorting them into categories. |
| Budgets and savings goals | Setting a target, logging contributions, and tracking progress against it. |
| Calculators | SIP, EMI, and savings calculators. Outputs are arithmetic on the figures you enter, not a recommendation. |
| Insights and chat | Plain-language summaries of the data already recorded in your account. |
| Statements | Exports of your Kubyn records as PDF or Excel, for your own reference. |
3. What Kubyn does not do
This section is deliberately explicit. If you have been told that Kubyn offers any of the following, you have been misled — please report it to support@kubyn.org.
| Not offered | Detail |
|---|---|
| Lending of any kind | No personal loans, payday loans, lines of credit, earned-wage advances, microfinance, or buy-now-pay-later. Kubyn is not a lender and does not introduce, broker, or facilitate loans. |
| Holding or storing money | Kubyn holds no customer funds, operates no wallet or prepaid instrument, and is not a payment system operator. |
| Banking | Kubyn is not a bank and does not operate deposit accounts. |
| Investment advice | Kubyn is not a SEBI-registered investment adviser or research analyst. Nothing in the app is a recommendation to buy, sell, or hold any security or product. |
| Trading and markets | No stock, commodity, or derivative trading, no portfolio management, no crowdfunding or chit funds, and no prediction markets. |
| Cryptocurrency and digital assets | No crypto wallet, no exchange, and no tokenised asset or NFT sales, trading, or rewards. |
| Insurance and credit reporting | Kubyn does not sell, distribute, or administer insurance, and does not provide credit scores, credit monitoring, or credit reporting. |
4. Account linking
Linking a bank account is optional. Kubyn is fully usable without it — every feature except automatic transaction import works on transactions you record yourself.
Where linking is offered, financial data is retrieved through India’s Account Aggregator framework, which is regulated by the Reserve Bank of India. The Account Aggregator is our RBI-licensed Account Aggregator partner. Under that framework:
- Data moves only against a consent you grant, which states what is fetched, from where, why, how often, and for how long.
- You can pause or revoke that consent at any time, in Kubyn or in the Account Aggregator’s own app. Future fetches stop immediately.
- Your bank username, password, and OTP are never entered into Kubyn and are never seen by us.
The Account Aggregator framework requires the entity receiving data to be regulated by a financial sector regulator. Where Kubyn is not itself that entity, linking is provided through a regulated partner and Kubyn acts as a technology service provider to them. The consent relationship is with the regulated entity named above.
5. Payments
Where Kubyn offers UPI or bill payments, it is an interface only. Payments are initiated, authorised, processed, and settled by our authorised payment partner, under the rules of the National Payments Corporation of India and the Reserve Bank of India.
- Kubyn does not hold, pool, route, or settle funds at any point.
- Money moves directly between your bank account and the payee’s, through the licensed partner.
- Refunds for failed transactions are processed by the payment partner or your bank under NPCI timelines. Kubyn cannot release a payment itself, but will help you trace one — see Support.
6. No advice
Calculator outputs, spending insights, and answers from the chat assistant are informational. They are generated from the data you have recorded in Kubyn and are not financial, investment, legal, or tax advice, and not a recommendation to take or avoid any course of action.
Figures shown in Kubyn may lag or differ from your bank’s records. Check anything that matters against your bank statement, and consult a qualified professional before acting on it. This is set out in full in section 4 of the Terms of Service.
7. Statements are not bank statements
Exports summarise what you have recorded in Kubyn. They are for personal reference, are not issued or certified by a bank, and may not be accepted as proof of income or account activity.
8. Fraud and impersonation
Nobody from Kubyn will ever ask for your Security PIN, an OTP, or your bank login — by phone, email, SMS, or chat. We do not make loan offers, and we do not call about approving credit. Report any such contact to support@kubyn.org.
9. Complaints and escalation
Raise anything with support@kubyn.org first. If it is not resolved, escalate to the Grievance Officer, Grievance Officer, at grievance@kubyn.org. Grievances are acknowledged within 48 hours and resolved within 30 days.
A complaint about a payment or about linked account data may also be raised with the licensed partner that carried out that activity, and through the Reserve Bank of India’s Integrated Ombudsman Scheme where that partner falls within it. A complaint about personal data may be escalated to the Data Protection Board of India under the Digital Personal Data Protection Act, 2023 — see section 7 of the Privacy Policy.
10. Changes
If Kubyn adds a financial feature, this page and the Google Play declaration are updated before that feature reaches you. The date at the top reflects the most recent change.