← Back to Home

Cozzy Terms and Conditions

Version 7 · Effective 7 April 2026

Last Updated: April 5, 2026

Please read these Terms and Conditions ("Terms") carefully before using the Cozzy mobile application and web dashboard (collectively, the "App") operated by Cozzy Finance Limited ('Cozzy', 'us', 'we', or 'our'), a company registered in Ireland (CRO: 812498) with registered address at Venture Hub, 136 Capel Street, Dublin 1, Dublin, D01 T2C9, Ireland.

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.

By using the App, you also agree to our Privacy Policy and Cookie Policy.

---

1. Nature of Service (Not Financial Advice)

Cozzy is a financial data visualization and management tool.

  • Information Only: The App is for informational purposes only. It does not constitute financial, investment, or tax advice.
  • No Fiduciary Duty: We are not a financial planner, broker, or tax advisor. You should consult a qualified professional before making financial decisions.
  • Accuracy: While we strive for accuracy, we cannot guarantee the completeness or timeliness of data provided by third parties (like your bank or our Open Banking provider).

---

2. Eligibility

Cozzy is intended for users aged 16 and over.

  • If you are under 16 years of age, you are not permitted to use the App and must not create an account.
  • By creating an account, you confirm that you are at least 16 years old.
  • You must provide accurate information and keep your account secure.

---

3. Bank Account Connection (Open Banking)

To access the App's core features, you may choose to connect your bank accounts via our partner, Yapily Connect Limited ('Yapily'), an authorised Account Information Service Provider regulated by the UK Financial Conduct Authority (FRN 827001).

  • By connecting an account, you agree to Yapily's Terms and Conditions and Privacy Policy.
  • You acknowledge that we act as a technical service provider visualizing data retrieved by Yapily. We are not a bank.

---

4. Accounts & Security

  • You must sign in using a valid email address, Google account, or Apple account.
  • You are responsible for maintaining the confidentiality of your device and login.
  • You agree to notify us immediately of any unauthorized use of your account.

---

5. Subscriptions & Payments

Some features of the App may require a paid subscription plan.

  • Processing: Payments are processed by Apple (App Store) or Google (Play Store). We do not store your credit card details.
  • RevenueCat: We use RevenueCat to manage subscription status.
  • Auto-Renewal: Subscriptions automatically renew unless canceled at least 24 hours before the end of the current period.
  • Cancellation: You must cancel directly through your Apple ID or Google Play settings. Uninstalling the app does not cancel your subscription.

Current plan names and prices are displayed in the App before purchase. All prices include applicable taxes.

The App requires iOS 16 or later, or Android 8.0 or later, with an active internet connection.

Subscriptions are provided on a rolling monthly or annual basis as selected at purchase. We will send you a reminder before each renewal date in accordance with applicable consumer protection requirements.

---

6. Cancellation Rights

Under applicable consumer protection law (S.I. No. 19/2022 (Ireland), Consumer Contracts Regulations 2013 (UK)), you have a 14-day right to cancel after subscribing to a paid plan.

Subscription cancellation and refund requests are handled by Apple (App Store) or Google (Play Store) according to their respective refund policies.

To cancel your subscription, go to your Apple ID or Google Play account settings. Uninstalling the app does not cancel your subscription.

---

7. AI-Powered Features

Cozzy offers two optional AI-powered features:

1. Olivia AI Assistant — provides personalised financial insights and answers questions about your spending.

2. AI Transaction Categorisation — automatically assigns spending categories to your bank transactions.

Both features are powered by Google Gemini (a large language model) running on Google Cloud Vertex AI within the EU (europe-west4 region, Netherlands). AI features are optional and require your explicit consent before activation.

  • AI-generated content is informational only and does not constitute financial advice (see Section 1).
  • AI outputs may occasionally contain inaccuracies. You should verify important financial information against your official bank statements.
  • You can enable or disable AI features at any time in Settings > Preferences > AI Features.
  • Before your data is sent to the AI model, personal identifiers (account numbers, names, email addresses) are removed. See our Privacy Policy Section 10 for full details.
  • The specific AI model versions used may be updated periodically to improve accuracy and safety.

---

8. Acceptable Use

You agree not to:

(a) reverse-engineer, decompile, or disassemble the App;

(b) attempt to manipulate AI features through prompt injection, jailbreaking, or similar techniques;

(c) use the App for any unlawful purpose;

(d) attempt to gain unauthorised access to our systems, other users' accounts, or data;

(e) interfere with the App's security, integrity, or performance;

(f) use automated means (scraping, bots) to access the App without our written consent; or

(g) share your account credentials with others.

We reserve the right to suspend or terminate accounts that violate these terms (see Section 9).

---

9. Termination

By you: You may terminate these Terms at any time by deleting your account via Settings > Delete Account. Upon deletion, your data is processed in accordance with our Privacy Policy.

By us: We may suspend or terminate your access immediately if you materially breach these Terms, including the Acceptable Use provisions. We will notify you by email where practicable.

Effect of termination: Sections 1 (Nature of Service), 10 (Warranty Disclaimer), 11 (Limitation of Liability), 13 (Intellectual Property), 14 (Dispute Resolution), 15 (Governing Law), and 18 (General Provisions) survive termination.

---

10. Warranty Disclaimer

To the maximum extent permitted by applicable law, the App is provided on an 'as is' and 'as available' basis without warranties of any kind, whether express, implied, or statutory, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

Nothing in this section affects your statutory rights as a consumer under the Consumer Rights Act 2015 (UK), Consumer Rights Act 2022 (Ireland), Consumer Protection Act 2007 (Ireland), or any other applicable consumer protection legislation.

---

11. Limitation of Liability

11.1 Statutory Rights Preserved

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.

11.2 Maximum Aggregate Liability

Subject to Clause 11.1, 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).

11.3 Exclusion of Certain Damages

Subject to Clause 11.1, 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.

11.4 Third-Party Services

(a) The App integrates with third-party services including, but not limited to, Yapily Connect Limited (for bank account connectivity), your financial institution(s), and RevenueCat Inc. (for subscription management).

(b) Subject to Clause 11.1, 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 Yapily;

(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.

11.5 Financial Information and Decisions

(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 11.1, 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.

11.6 Service Availability

Subject to Clause 11.1, 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; cyberattack or denial-of-service attack; or governmental, regulatory, or judicial action; or

(d) failures or disruptions in internet connectivity or mobile network services.

If any force majeure event prevents us from providing the App for more than 30 consecutive days, you may terminate these Terms and cancel any paid subscription without penalty by contacting support@cozzy.io.

11.7 Allocation of Risk

You acknowledge that the limitations and exclusions in this Clause 11 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.

11.8 Severability of Liability Provisions

If any part of this Clause 11 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 11 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.

---

12. Third-Party Links

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.

---

13. Intellectual Property

The App and its original content, features, and functionality are owned by Cozzy and are protected by international copyright and trademark laws.

Licence grant: We grant you a limited, non-exclusive, non-transferable, revocable licence to use the App for personal, non-commercial purposes, subject to these Terms.

Open source: The App incorporates open-source software components governed by their respective licences, details of which are available in the App's settings.

Your data: You retain all rights in your personal and financial data. We process your data only as described in our Privacy Policy.

AI-generated content: Outputs generated by AI features (e.g., Olivia responses, category suggestions) are provided for your personal use. They do not constitute our professional advice and should not be redistributed.

---

14. Dispute Resolution

If you have a complaint about the App, please contact us at support@cozzy.io. We will acknowledge your complaint within 5 business days and aim to resolve it within 30 days.

If we cannot resolve your complaint to your satisfaction, EU/EEA consumers may use the Online Dispute Resolution platform at https://ec.europa.eu/consumers/odr/ (email: support@cozzy.io). This platform is not available to UK consumers following the UK's withdrawal from the EU. UK consumers may contact the Information Commissioner's Office for data-related complaints or seek an alternative dispute resolution body.

We are not required to participate in any alternative dispute resolution (ADR) scheme under applicable Irish or EU legislation. Nothing in this section limits your right to bring proceedings in a court of competent jurisdiction.

---

15. Governing Law

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 any EU Member State or the United Kingdom, nothing in these Terms affects your rights under mandatory consumer protection legislation of your country of habitual residence, and you may bring proceedings in the courts of your habitual residence.

---

16. Changes

We reserve the right to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect.

If you do not agree to the revised Terms, you may terminate your account before the new Terms take effect in accordance with Section 9.

---

17. App Store Terms

You acknowledge that these Terms are between you and Cozzy only, not with Apple Inc. or Google LLC. Apple and Google and their subsidiaries are third-party beneficiaries of these Terms and, upon your acceptance, have the right to enforce them against you. Apple and Google have no obligation to provide maintenance or support for the App. The App Store and Play Store terms of service also apply to your use of the App.

---

18. General Provisions

Severability: If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

Entire agreement: These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Cozzy regarding the App, subject to your statutory rights as a consumer.

No waiver: Our failure to enforce any provision of these Terms shall not constitute a waiver of that provision or any other provision.

---

19. Contact Us

If you have any questions about these Terms, please contact us at: support@cozzy.io

Address: Venture Hub, 136 Capel Street, Dublin 1, Dublin, D01 T2C9, Ireland

© 2026 Cozzy. All rights reserved.