Last Updated: February 9, 2026
Please read these Terms and Conditions ("Terms") carefully before using the Cozzy mobile application (the "App") operated by Cozzy ("us", "we", or "our").
By accessing or using the App, you agree to be bound by these Terms. If you disagree with any part of the terms, you may not use the App.
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Cozzy is a financial data visualization and management tool.
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Cozzy is intended for users aged 16 and over.
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To access the App's core features, you may choose to connect your bank accounts via our partner, Tink AB.
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Some features of the App may require a paid subscription ("Pro" or "Premium").
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Under applicable consumer protection law, you have a 14-day right to cancel after subscribing to a paid plan ("cooling-off period").
Waiver of cooling-off period: Before completing a subscription purchase, you will be asked to expressly consent to the immediate provision of digital content and to acknowledge that doing so means you lose your right of withdrawal once the digital content has been fully provided. This is in accordance with Regulation 14 of S.I. No. 19/2022 (Ireland) and Regulation 37 of the Consumer Contracts Regulations 2013 (UK).
If you do not give express consent to immediate access, your 14-day cooling-off period applies in full.
Subscription cancellation and refund requests are handled by Apple (App Store) or Google (Play Store) according to their respective refund policies.
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Nothing in these Terms shall limit or exclude our liability for:
(a) death or personal injury caused by our negligence or the negligence of our employees, agents, or subcontractors;
(b) fraud or fraudulent misrepresentation;
(c) any breach of the terms implied by Part 1, Chapter 3 of the Consumer Rights Act 2015 (UK) or Part 3 of the Consumer Rights Act 2022 (Ireland) regarding digital content and digital services;
(d) any liability which cannot be limited or excluded by applicable law, including your statutory rights under the Consumer Rights Act 2015 (UK), the Consumer Protection Act 2007 (Ireland), the Consumer Rights Act 2022 (Ireland), and any other applicable consumer protection legislation; or
(e) any liability arising under the Data Protection Act 2018, UK GDPR, or EU GDPR that cannot be limited or excluded by law.
Subject to Clause 7.1, our total aggregate liability to you under or in connection with these Terms, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, shall be limited to the greater of:
(a) the total fees actually paid by you to Cozzy in the twelve (12) months immediately preceding the date on which the claim arose; or
(b) fifty euros (EUR 50).
For the avoidance of doubt, where the App is provided to you free of charge, our maximum aggregate liability shall not exceed fifty euros (EUR 50).
Subject to Clause 7.1, we shall not be liable to you for any:
(a) loss of profits, revenue, business, contracts, or anticipated savings;
(b) loss of data or corruption of data (except to the extent required by data protection legislation);
(c) loss of goodwill or reputation;
(d) loss of opportunity;
(e) indirect, incidental, special, consequential, punitive, or exemplary damages; or
(f) any losses that were not reasonably foreseeable to both parties at the time these Terms were entered into,
whether arising in contract, tort (including negligence), breach of statutory duty, or otherwise, even if we have been advised of the possibility of such damages.
(a) The App integrates with third-party services including, but not limited to, Tink AB (for bank account connectivity), your financial institution(s), and RevenueCat Inc. (for subscription management).
(b) Subject to Clause 7.1, we shall not be liable for any loss or damage arising from:
(i) any act, omission, error, interruption, delay, or failure of any third-party service provider;
(ii) the unavailability, suspension, or termination of any third-party service;
(iii) inaccuracies, errors, or omissions in data provided by your financial institution(s) or transmitted through Tink;
(iv) security breaches, data breaches, or unauthorized access occurring within third-party systems;
(v) any changes to third-party services, APIs, or terms of service that affect the functionality of the App; or
(vi) your use of, or reliance upon, any third-party service accessed through or in connection with the App.
(c) Your use of third-party services is subject to the terms, conditions, and privacy policies of those third parties.
(a) No Financial Advice: The App is a personal finance management tool that displays and organizes your financial data. The App does not provide, and nothing in the App shall be construed as, financial advice, investment advice, tax advice, legal advice, or any other form of professional advice.
(b) Subject to Clause 7.1, we shall not be liable for any loss or damage arising from:
(i) any financial, investment, budgeting, or spending decisions you make based on information displayed in the App;
(ii) any reliance you place on data, calculations, projections, categorizations, or visualizations presented in the App;
(iii) any inaccuracies in data sourced from your financial institution(s), including transaction data, account balances, or other financial information;
(iv) any delay in data synchronization between your financial institution(s) and the App; or
(v) any failure to display transactions or account information in a timely manner.
(c) You acknowledge that you are solely responsible for verifying the accuracy of any information displayed in the App against your official bank statements and financial records.
Subject to Clause 7.1, we shall not be liable for any loss or damage arising from:
(a) interruptions, delays, or failures in the App's availability;
(b) scheduled or unscheduled maintenance;
(c) events beyond our reasonable control, including but not limited to acts of God, natural disasters, pandemics, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, strikes, or shortages of transportation, facilities, fuel, energy, labour, or materials; or
(d) failures or disruptions in internet connectivity or mobile network services.
You acknowledge that the limitations and exclusions in this Clause 7 reflect a reasonable allocation of risk between the parties and form an essential basis of the bargain between us. The fees charged for the App (if any) reflect this allocation of risk and these limitations of liability.
If any part of this Clause 7 is found to be unenforceable, the remaining parts shall continue to apply to the maximum extent permitted by law. If a court or competent authority determines that any limitation or exclusion in this Clause 7 is unenforceable, that limitation or exclusion shall be deemed modified to the minimum extent necessary to make it enforceable while preserving our maximum permissible protection.
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The App may contain links to third-party websites. We are not responsible for the content, privacy policies, or practices of any third-party sites or services.
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The App and its original content, features, and functionality are owned by Cozzy and are protected by international copyright and trademark laws.
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These Terms shall be governed and construed in accordance with the laws of Ireland, without regard to its conflict of law provisions. Any disputes shall be resolved in the courts of Ireland.
If you are a consumer habitually resident in the United Kingdom, nothing in these Terms affects your rights under mandatory UK consumer protection legislation, and you may bring proceedings in the courts of your habitual residence.
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We reserve the right to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days' notice prior to any new terms taking effect.
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If you have any questions about these Terms, please contact us at: support@cozzy.io
EU consumers may use the Online Dispute Resolution platform at https://ec.europa.eu/consumers/odr/.