Terms of Service

1. Introduction and acceptance

Kubyn (“Kubyn”, “App”, “we”, “us”, “our”) is a personal finance management application operated by Vibexio Private Limited, a company incorporated in India with its registered office at Chennai, Tamil Nadu, India.

These Terms & Conditions (“Terms”) govern your access to and use of the Kubyn mobile application and all related services (together, the “Services”). By creating an account, or by downloading, accessing, or using the App, you confirm that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use the App.

2. Eligibility

To use Kubyn you must:

be at least 18 years of age;
be a resident of India competent to contract under the Indian Contract Act, 1872;
provide accurate, current, and complete registration information; and
not be barred from using financial services under any applicable law.

We may refuse, suspend, or terminate registration where these conditions are not met.

3. Description of the Services

Kubyn provides tools to help you record, understand, and manage your personal finances, including:

Expense and income tracking — recording transactions manually, by voice input, or from linked sources, with categorisation and summaries.
Bank account linking — where offered and only with your explicit consent, fetching your financial information through the RBI-regulated Account Aggregator framework via our RBI-licensed Account Aggregator partner.
Payments — initiating UPI and bill payments through authorised third-party payment partners (our authorised payment partner). Kubyn does not hold, pool, or settle your funds.
Financial goals — creating savings goals and recording contributions toward them.
Calculators and insights — financial calculators, spending analysis, and summaries generated from your data.
Statements — downloadable PDF/Excel statements of the transactions recorded in Kubyn.
Chat and voice assistance — in-app assistant features that respond to queries and voice commands about your finances.
Coupons and offers — promotional offers made available from time to time.
Notifications — transactional, security, and service notifications via push, SMS, or email.

The Services are provided on an “as is” and “as available” basis. Features may be added, modified, or withdrawn at any time.

4. No financial, investment, legal, or tax advice

Kubyn is a personal finance tracking and information tool only. Insights, summaries, calculator outputs, goal projections, and chat or voice-assistant replies are for informational purposes only and do not constitute financial, investment, legal, or tax advice.
We are not a SEBI-registered investment adviser or research analyst, and we are not a bank or NBFC.
You are solely responsible for your financial decisions. Consult a qualified professional before acting on any information shown in the App.
Calculators use standard formulas and assumptions; actual outcomes (interest, returns, taxes) may differ.

5. Account registration and security

Registration requires a valid mobile number and/or email address, verified by One-Time Password (OTP).
You are responsible for keeping your login credentials, OTPs, and Security PIN confidential. We will never ask you for your PIN or OTP. Never share them with anyone, including persons claiming to represent Kubyn.
All activity carried out through your account is deemed to be carried out by you. Notify us immediately at support@kubyn.org if you suspect unauthorised access.
We log device information, login activity, and active sessions for security purposes, and may end sessions or require re-verification when unusual activity is detected.
One account per person. Accounts are personal and non-transferable.

6. Bank account linking and Account Aggregator consent

Linking bank or financial accounts is optional and occurs only with your explicit, informed consent through the Account Aggregator (“AA”) framework regulated by the Reserve Bank of India.
Your consent specifies what data is fetched, from which accounts, for what purpose, how often, and for how long. You may view, pause, or revoke it at any time from within the App or through the AA’s own application.
We never receive, request, or store your bank login credentials. Data flows only through the licensed AA in encrypted form.
Fetched financial information is used solely for the purposes stated in your consent and is handled as described in the Privacy Policy.
Revoking consent stops future data fetches. Data already fetched is retained or deleted in accordance with the Privacy Policy and applicable law.

7. Payments, UPI, and bill payments

Payment services are facilitated by authorised third-party payment partners (our authorised payment partner) operating under NPCI and RBI regulations. Kubyn acts only as a technology platform and does not hold your money.
You authorise each payment individually (for example, by entering your UPI PIN). Verify payee details and amounts before confirming — completed UPI payments are generally irreversible.
Failed or pending transactions: where an amount is debited but the transaction fails, refunds are processed by the payment partner or your bank in accordance with NPCI timelines (typically T+1 to T+7 working days). We will assist you in tracking such transactions but do not control bank-side settlement.
Disputes and chargebacks must be raised promptly through support@kubyn.org or the in-app support channel. Resolution follows the payment partner’s and issuing bank’s dispute processes.
You may not use payment features for any unlawful purpose, including money laundering, fraud, or transactions prohibited under Indian law.
Any fees or charges introduced in future will be displayed before you confirm a transaction.

8. Fees, subscriptions, and refunds

Core features of Kubyn are currently offered free of charge. If paid plans or premium features are introduced, the price, billing cycle, renewal, and cancellation terms will be shown clearly before you subscribe.
Subscriptions purchased through app stores are additionally governed by Google Play and Apple App Store billing policies, including their refund mechanisms.
GST and other applicable taxes will be charged where required.
Refunds: except where required by law or expressly stated at the point of purchase, subscription fees are non-refundable once the service period has begun. You may cancel at any time; cancellation takes effect at the end of the current billing period.
Refunds for failed payment transactions are governed by section 7, not this section.

9. Coupons, offers, and rewards

Coupons and promotional offers are discretionary, may carry their own conditions (validity, usage limits, eligibility), and may be modified or withdrawn at any time.
Coupons have no cash value, are non-transferable, and cannot be exchanged or resold.
Abuse of offers — including fake accounts, automated redemption, or exploiting technical errors — may result in reversal of benefits and termination of your account.

10. Voice and chat features

Voice input allows you to record transactions and interact with the App hands-free. By using voice features you consent to the processing of your voice input to interpret your command. Logs of these interactions may be stored to provide and improve the Services, as described in the Privacy Policy.
Chat and assistant responses are generated automatically from your data and standard financial formulas and may contain errors. Always verify important figures against your actual bank records. All assistant output is subject to section 4.

11. Statements and reports

Statements generated in the App summarise transactions as recorded in Kubyn and are provided for personal reference only. They are not bank statements and may not be accepted as official proof of income or account activity.
You are responsible for keeping downloaded statements secure on your device.

12. Acceptable use

You agree not to:

use the App for any unlawful, fraudulent, or malicious purpose;
attempt to gain unauthorised access to the App, its servers, or other users’ accounts or data;
probe, scan, or test the vulnerability of the App, or interfere with its operation, including through denial-of-service attacks, malware, or scraping;
reverse-engineer, decompile, disassemble, copy, or create derivative works of the App;
impersonate any person, misrepresent your identity, or submit false information;
use bots, scripts, or other automated means to access the App;
resell, sublicense, or commercially exploit the App or its content without our written consent; or
upload or transmit content that is defamatory, obscene, infringing, or otherwise unlawful.

Violation may result in immediate suspension or termination and, where applicable, reporting to law-enforcement authorities.

13. User content

You retain ownership of the transactions, notes, goals, and other content you enter into the App (“User Content”). You grant us a limited, non-exclusive, royalty-free licence to store, process, and display your User Content solely to operate and provide the Services to you. You are responsible for the accuracy and legality of your User Content.

14. Intellectual property

The App — including its design, source code, logos, trade marks (“Kubyn” and associated marks), text, graphics, and content — is owned by Vibexio Private Limited or its licensors and is protected under applicable intellectual property laws.
We grant you a limited, personal, non-exclusive, non-transferable, revocable licence to use the App on your own devices for personal, non-commercial purposes.
No other rights are granted, whether by implication or otherwise.

15. Third-party services

The App relies on third-party services including payment partners, Account Aggregators, cloud hosting, SMS/OTP gateways, and Firebase Cloud Messaging. Their availability and performance are outside our control, and your use of their services may be subject to their own terms and privacy policies. We are not responsible for the acts, omissions, or outages of third-party providers, although we will make reasonable efforts to assist you in resolving related issues.

16. Availability, updates, and support

We aim for high availability but do not guarantee that the App will be uninterrupted, error-free, or available at all times. Maintenance, network issues, or third-party outages may cause downtime.
We may release updates that add, change, or remove features. Some updates may be mandatory for continued use, including security updates.
Support is available at support@kubyn.org. We aim to respond within 2 business days.

17. Suspension and termination

By you: you may stop using the App at any time and may delete your account from within the App (Settings → Account → Delete Account) or by writing to support@kubyn.org. See Account Deletion.
By us: we may suspend or terminate your account, with or without notice, if you breach these Terms, if required by law or a regulator, if we detect fraud or a security risk, or if the Services are discontinued.
Effect of termination: your licence to use the App ends immediately; pending payment transactions continue to be governed by section 7; and your data is deleted or retained in accordance with the Privacy Policy and applicable legal retention requirements. Sections 4, 13, 14, 18, 19, 20, and 22 survive termination.

18. Disclaimer of warranties

To the maximum extent permitted by law, the App and Services are provided “as is” and “as available”, without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy of financial data or categorisation, and non-infringement. We do not warrant that insights, categorisations, calculator outputs, or assistant responses are accurate, complete, or suitable for your circumstances.

19. Limitation of liability

To the maximum extent permitted by applicable law:

We shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or for loss of profits, savings, data, or goodwill, arising from your use of or inability to use the App.
We are not liable for losses caused by: your sharing of credentials, PIN, or OTP; transactions you authorise; errors in data you enter; decisions you make based on App content; the acts or omissions of banks, payment partners, Account Aggregators, or other third parties; or events beyond our reasonable control.
Our total aggregate liability for all claims arising in any twelve-month period shall not exceed the greater of (a) the total fees you paid us during that period, or (b) INR 1,000.

Nothing in these Terms excludes or limits liability that cannot be excluded or limited under Indian law.

20. Indemnification

You agree to indemnify and hold harmless Vibexio Private Limited, its directors, officers, employees, and partners from any claims, damages, losses, liabilities, and expenses (including reasonable legal fees) arising out of your breach of these Terms, your misuse of the App, your violation of any law, or your infringement of any third party’s rights.

21. Force majeure

We are not liable for any failure or delay in performance caused by events beyond our reasonable control, including natural disasters, war, terrorism, riots, epidemics or pandemics, labour disputes, power or internet failures, government action, or failures of banks, NPCI, telecom networks, or other third-party infrastructure.

22. Governing law and dispute resolution

These Terms are governed by and construed in accordance with the laws of India. The courts at Chennai, Tamil Nadu shall have exclusive jurisdiction over any dispute arising out of or in connection with these Terms or your use of the App.

Before commencing proceedings, both parties agree to attempt in good faith to resolve the dispute amicably within thirty (30) days of written notice.

23. Changes to these Terms

We may update these Terms from time to time. For material changes, we will notify you through the App, by email, or by push notification before the changes take effect. Your continued use of the App after the effective date constitutes acceptance of the updated Terms. The “Last updated” date at the top reflects the current version.

24. Grievance redressal and contact

In accordance with the Information Technology Act, 2000 and the rules made thereunder, and the Digital Personal Data Protection Act, 2023:

Grievance Officer: Grievance Officer
Email: grievance@kubyn.org
Address: Chennai, Tamil Nadu, India
Response: grievances are acknowledged within 48 hours and resolved within 30 days of receipt.

For general support: support@kubyn.org

25. Miscellaneous

Severability: if any provision is held invalid or unenforceable, the remaining provisions continue in full force.
No waiver: our failure to enforce any provision is not a waiver of that provision.
Assignment: you may not assign these Terms. We may assign them in connection with a merger, acquisition, or restructuring.
Entire agreement: these Terms together with the Privacy Policy constitute the entire agreement between you and us regarding the App.