Terms of Use

Welcome to Kesumi. These Terms of Use govern your access to the Kesumi website, waitlist, and related services operated by Marc Hoffmann.

By accessing our website or joining the waitlist, you agree to these Terms.

About Kesumi

Kesumi is currently under development. Kesumi aims to help individuals better understand and manage their personal finances through expense tracking, receipt scanning, Apple Shortcuts-based tracking, financial goals, financial habit tracking, AI-powered financial insights, and educational content.

Joining the waitlist does not grant access to the application.

Waitlist

By joining the waitlist you agree that access to Kesumi is not guaranteed, launch dates may change, features may change before release, invitations may be sent in phases, and access may be limited by country or platform.

We reserve the right to close or modify the waitlist at any time.

No Financial Advice

Kesumi provides educational information, financial insights, and AI-generated recommendations. Nothing provided through the website, waitlist, or future application constitutes financial, investment, tax, legal, or accounting advice.

Users remain solely responsible for all financial decisions.

AI Disclaimer

Kesumi may use artificial intelligence, including OpenAI and Anthropic APIs, to generate financial insights, process receipts, create spending summaries, provide recommendations, produce educational content, and suggest budgeting improvements. AI-generated content may be inaccurate, incomplete, or outdated.

Users should independently verify important financial information before making decisions.

Hosting and Third-Party Services

Kesumi uses DigitalOcean for hosting the website, API, and user data storage. Kesumi may use OpenAI and Anthropic APIs for AI coach and receipt scanning functionality. Use of these services is subject to their technical availability and applicable provider terms.

Future Features

Features shown on the website, mockups, or promotional material are for demonstration purposes and may be modified, delayed, removed, or replaced before public release.

Intellectual Property

All content on this website, including logos, branding, illustrations, screenshots, mockups, animations, and text, belongs to Marc Hoffmann unless otherwise stated. No part may be copied or reused without permission.

Acceptable Use

Users may not attempt to disrupt the website, misuse the waitlist, impersonate another person, submit false information, or use automated systems to spam the waitlist.

Limitation of Liability

Kesumi is provided “as is”. We make no warranties regarding availability, accuracy, completeness, or uninterrupted service.

To the fullest extent permitted by law, Kesumi shall not be liable for indirect or consequential damages arising from the use of this website.

Changes

We may update these Terms at any time. Continued use of the website constitutes acceptance of the updated Terms.

Contact

Marc Hoffmann

Email: privacy@kesumi.app