1. Acceptance of Terms
By accessing or using Cosky, you agree to these Terms of Service. If you do not agree, you must stop using the service.
Legal
Terms of Service
These Terms govern use of Cosky on both the website and application, including dashboards, reports, and account features.
Effective DateApril 5, 2026
2. Eligibility and Account Security
You must provide accurate registration information and keep your login credentials secure. You are responsible for activity that occurs under your account and for lawful use in your region.
3. Acceptable Use
You may use Cosky only for lawful purposes. You agree not to abuse the service, interfere with system operations, or attempt unauthorized access to any account, data, or infrastructure.
4. Your Data and Content
You retain ownership of the financial records and other content you submit. You grant Cosky permission to process that data only as needed to provide, secure, and improve the service, consistent with the Privacy Policy.
5. Service Availability and Changes
We work to keep Cosky available and reliable, but uninterrupted access cannot be guaranteed. We may update features, improve functionality, or discontinue parts of the service over time.
6. Financial Guidance Disclaimer
Cosky provides software tools, calculations, and visual reports for planning and tracking. Cosky does not provide legal, tax, accounting, or investment advice.
7. Intellectual Property
The Cosky name, product design, software, and related materials are owned by Cosky or its licensors. You may not copy, reverse engineer, or redistribute protected elements without permission.
8. Suspension and Termination
We may suspend or terminate access if these Terms are violated or if usage creates security, legal, or operational risk. You may stop using Cosky at any time.
9. Disclaimers and Limitation of Liability
To the maximum extent permitted by applicable law, Cosky is provided as-is and as-available without warranties of any kind. Nothing in these Terms limits rights or remedies that cannot be limited under mandatory consumer protection laws.
10. Regional Consumer Rights and Governing Law
These Terms are interpreted under applicable law in the operating jurisdiction, subject to mandatory laws in your place of residence. If you reside in the EEA or UK, you keep mandatory consumer rights under local law. If you are a California resident, applicable California consumer protections remain available to you.
11. Updates to These Terms
We may update these Terms from time to time. Continued use of Cosky after updates become effective means you accept the revised Terms.
12. Contact
For questions about these Terms, contact us through the contact page or by email at (87nehal){at}(gmail){dot}(com).