Terms of Service

Last updated: 12/6/2025

Acceptance of Terms

By accessing and using Noka (“Service”), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

Description of Service

Noka is a personal finance tracking application that helps users manage their financial accounts, track transactions, categorize expenses, and gain insights into their spending habits. The service is provided through our web and mobile applications.

User Accounts

Account Creation

You must create an account to use our services. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

Account Security

You agree to notify us immediately of any unauthorized use of your account or any other breach of security.

Financial Data

Data Accuracy

You are responsible for ensuring the accuracy of financial data you provide to the service. While we strive to provide accurate analysis and insights, you should not rely solely on our service for financial decisions.

Data Usage

By using our service, you grant us permission to access, process, and analyze your financial data solely for the purpose of providing our services to you.

Prohibited Uses

You may not use our service to:

  • Violate any applicable laws or regulations
  • Attempt to gain unauthorized access to our systems
  • Use the service for any fraudulent or illegal activities
  • Interfere with or disrupt the service or servers
  • Share your account access with unauthorized third parties

Service Availability

We strive to maintain high availability of our service but cannot guarantee uninterrupted access. We may temporarily suspend or permanently discontinue the service with reasonable notice.

Limitation of Liability

To the fullest extent permitted by law, Noka shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues.

Termination

Either party may terminate this agreement at any time. Upon termination, your right to use the service will cease immediately, and we may delete your account and data in accordance with our data retention policies.

Changes to Terms

We reserve the right to modify these terms at any time. We will notify users of significant changes via email or through the service. Continued use of the service after changes constitutes acceptance of the new terms.

Contact Information

For questions about these Terms of Service, please contact us at legal@noka.com

Noka