Terms of Service

Translations are provided for informational purposes only. In case of discrepancy, the French version prevails.

1. Purpose

These Terms of Service (hereinafter "ToS") define the conditions of access and use of the Koupli service, accessible at koupli.com and via associated mobile applications (hereinafter "the Service").

The Service is published by [Company name], [legal form] with a capital of [amount] euros, registered with the RCS of [City] under number [RCS Number] (hereinafter "the Publisher").

2. Description of the Service

Koupli is a collaborative financial management service designed for couples. It allows you to:

• Import bank statements in CSV, XLSX, or PDF format
• Categorize and organize transactions
• Share certain transactions and accounts with a partner via a couple space
• Define expense splitting rules
• Set and track shared savings goals
• Receive personalized advice generated by artificial intelligence
• Export your data in CSV or PDF

The Service does not in any way constitute a financial, banking, or investment advisory service. Suggestions generated by artificial intelligence are provided for informational purposes only.

3. Registration and Account

3.1 Account Creation

Access to the Service requires creating a personal account. The user must provide accurate information and commits to keeping it up to date. Any individual aged at least 16 years may create an account.

3.2 Account Security

The user is responsible for the confidentiality of their password and for all activity conducted from their account. In case of suspected unauthorized use, the user must immediately inform the Publisher at [contact email].

3.3 Couple Space

The couple space is activated by invitation from a partner. Each partner retains their own separate personal account. Only data explicitly marked as "shared" by a user is visible to their partner. Personal accounts and transactions remain strictly private.

In case of separation, each user can leave the couple space at any time. Each person's personal data is preserved on their respective account. Only data specific to the shared couple space is deleted for both parties.

4. Subscriptions and Pricing

4.1 Available Plans

The Service is offered under the following plans:

• Free: limited access to basic features
• Pro: [price]/month (or [reduced price]/month with annual billing) — advanced features and couple space
• Premium: [price]/month (or [reduced price]/month with annual billing) — all features, unlimited AI, and priority support

A single Pro or Premium subscription covers access for two people in the same couple space.

4.2 Free Trial

Upon account creation, a free 14-day trial of the Pro plan is offered. No credit card is required for the trial. At the end of the trial period, the account automatically switches to the Free plan unless a paid subscription is taken.

4.3 Payment

Payment is made by credit card via our secure payment provider [Stripe / other]. Prices are shown in euros including tax. The subscription is automatically renewed at each billing period (monthly or annual).

4.4 Cancellation

The user can cancel their subscription at any time from their account settings. Cancellation takes effect at the end of the current period. No pro-rata refund is made for the period already started.

5. Use of the Service

5.1 Proper Use

The user agrees to use the Service in accordance with these ToS and applicable legislation. It is prohibited to:

• Use the Service for unlawful or fraudulent purposes
• Attempt to access other users' data
• Use automated means (bots, scripts) to access the Service
• Modify, copy, or distribute the content of the Service without authorization
• Introduce viruses or any other malicious code

5.2 Imported Data

The user is solely responsible for the accuracy and legality of the data they import into the Service. The Publisher does not verify the content of imported files and disclaims all liability regarding their accuracy.

6. Artificial Intelligence

The Service incorporates artificial intelligence features (automatic categorization, advice, alerts). These features are provided as assistance and for informational purposes only.

• AI suggestions do not constitute professional financial advice
• AI may make categorization or analysis errors
• The user remains solely responsible for their financial decisions
• The Publisher recommends verifying automatic categorizations

7. Service Availability

The Publisher makes every effort to ensure the availability of the Service 24/7. However, access may be temporarily suspended for maintenance, updates, or in case of force majeure. The Publisher does not guarantee uninterrupted operation and shall not be held liable for damages resulting from Service unavailability.

8. Liability

8.1 Limitation of Liability

The Service is provided "as is." The Publisher shall not be held liable for financial decisions made by the user based on information or suggestions provided by the Service.

In any event, the Publisher's liability is limited to the amounts paid by the user over the last 12 months for their subscription.

8.2 Force Majeure

The Publisher shall not be held liable for any failure to fulfill its obligations resulting from a case of force majeure as defined by French case law (natural disasters, network failures, cyberattacks, etc.).

9. Intellectual Property

The Service, its structure, design, features, algorithms, and editorial content are the exclusive property of [Company name] and are protected by intellectual property law.

The user retains ownership of their personal and financial data imported into the Service. By using the Service, the user grants the Publisher a limited, non-exclusive, and revocable license, solely for the purposes of operating the Service (storage, display, AI processing).

10. Account Deletion

The user can delete their account at any time from the application settings. Deletion results in:

• Permanent deletion of all personal and financial data
• Cancellation of any active subscription (effective at the end of the already paid period)
• Automatic exit from any couple space

We recommend exporting your data (CSV/PDF) before deleting your account. Some data may be retained for legal reasons (see our Privacy Policy).

11. Changes to the ToS

The Publisher reserves the right to modify these ToS at any time. Changes will take effect 30 days after notification by email or via the application. If the user continues to use the Service after this date, they will be deemed to have accepted the new ToS. In case of disagreement, the user may delete their account.

12. Applicable Law and Disputes

These ToS are governed by French law. In case of dispute regarding the interpretation or execution hereof, the parties agree to seek an amicable solution before any legal action.

In accordance with consumer law provisions, the user may use the consumer mediation service free of charge. The competent mediator is: [Mediator name, contact details, website].

Failing amicable resolution, the dispute shall be brought before the competent courts in accordance with common law rules.

13. Contact

For any questions regarding these ToS:

[Company name]
Email: [contact email]
Address: [postal address]