Last Updated: April 23, 2026
These are the terms under which you use k25x ("the app"). They are short on purpose. By using the app, you agree to them.
k25x is a personal finance tracker. It helps you record accounts, transactions, budgets, and goals, and it can show you AI-generated insights. It stores most of your data in your browser; some features optionally sync to Firebase.
Nothing in this app is financial, tax, investment, or legal advice. Calculations, projections, and AI responses are informational only. Markets, tax rules, and your situation change. Before you act on anything you see here, talk to a qualified professional.
The app is provided "as is," without warranty of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We don't promise the app will be accurate, always available, or free of bugs. If you rely on it and lose money, that's on you.
Most of your data lives in your browser's local storage. If you clear your browser, get a new device, or a bug occurs, that data can be lost. Use the Export button in Settings regularly. We provide export and import tools; we do not run a backup service for you unless you explicitly enable cloud sync.
If you link a bank via Plaid or Lean, you authorize us to fetch read-only account data on your behalf. You can unlink any time.
You agree not to:
You must be 18 or older. You're responsible for keeping your login credentials and device secure. If someone else uses your account, anything they do counts as you.
The AI advisor uses third-party models (currently Google Gemini). AI responses can be wrong, biased, or fabricated. Treat them like a suggestion from a chatty friend who read the internet, not a recommendation from a fiduciary. Don't use AI output for medical, legal, or clinical decisions.
You can stop using the app at any time. In Settings → Data Rights, you can delete your account and wipe local data. If you had cloud sync enabled, see the note on that screen. We reserve the right to stop offering the app, in whole or in part, with reasonable notice where feasible.
We own the app's code, design, and branding. You own the data you enter. You grant us a limited license to process your data only to make the app work for you (e.g., to show it back to you, sync it if you enable sync, or feed AI prompts you initiate).
To the maximum extent the law allows, we are not liable for indirect, incidental, special, or consequential damages, including lost profits or lost data. Our total liability for anything related to the app is capped at USD $100 or the amount you paid us in the last 12 months, whichever is greater. Nothing here limits liability that cannot legally be limited (e.g., for fraud or gross negligence).
If we change these terms materially, we'll update the date above and show a notice in the app before the change takes effect. If you don't agree, stop using the app and export your data.
These terms are governed by the laws of the jurisdiction where the app operator is established. We'll try to resolve disputes informally first. If that fails, disputes will be handled by the courts or arbitral forum of that jurisdiction. Nothing here prevents you from bringing a claim in your local small-claims court if eligible.
Questions about these terms: hello@k25x.ai. See also our Privacy Policy.