Cozzy Terms of Service

Version 10 · Effective 25 May 2026

Version: 10

Last Updated: May 25, 2026

Effective: May 25, 2026

Please read these Terms and Conditions ("Terms") carefully before using Cozzy. The "Service" means the Cozzy mobile application (iOS and Android) and the Cozzy web dashboard, together. The "App" specifically refers to the Cozzy mobile application. The Service is operated by Cozzy Finance Limited ('Cozzy', 'us', 'we', or 'our'), a company registered in Ireland (CRO: 812498) with registered office at Venture Hub, 136 Capel Street, Dublin 1, D01 T2C9, Ireland.

By accessing or using the Service, you agree to be bound by these Terms. If you disagree with any part of these Terms, you may not use the Service.

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

---

1. Nature of Service (Not Financial Advice)

Cozzy is a financial data visualisation and management tool.

Information Only. The Service 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.
Not regulated as a payment service provider. Cozzy is not authorised under the European Union (Payment Services) Regulations 2018 or PSD2, and is not regulated by the Central Bank of Ireland. Account information access is provided by our authorised Open Banking partner, Yapily (see §3).
Accuracy. While we strive for accuracy, we cannot guarantee the completeness or timeliness of data provided by third parties.

---

2. Eligibility

The Service is intended for users aged 16 and over. By creating an account, you confirm that you are at least 16 years old. Parents or guardians who become aware that a user under 16 has created an account may contact privacy@cozzy.io for immediate takedown.

---

3. Bank Account Connection (Open Banking)

To access the Service'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 visualising data retrieved by Yapily. We are not a bank and are not regulated as a payment institution.

---

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 unauthorised use of your account.

---

5. Subscriptions & Payments

Some features of the Service require a paid subscription.

Processing. Payments are processed by Apple (App Store) or Google (Play Store). We do not store your payment card details.
RevenueCat. We use RevenueCat to manage subscription status across platforms.
Auto-Renewal. Subscriptions automatically renew unless cancelled at least 24 hours before the end of the current period. Apple and Google send the system notifications relating to upcoming renewals; Cozzy does not separately send renewal reminders.
Cancellation. You must cancel directly through your Apple ID or Google Play settings. Uninstalling the App does not cancel your subscription.

The mobile App requires iOS 16 or later, or Android 8.0 or later, with an active internet connection. The web dashboard requires a modern browser. Subscriptions are provided on a rolling monthly or annual basis as selected at purchase.

5.1 Price changes

5.1 Price changes. We may change subscription prices from time to time. Where a price change applies to your existing subscription, we will give you at least thirty (30) days' notice by email and by in-app notice before the new price takes effect at your next renewal. You may cancel your subscription via your Apple ID or Google Play subscription settings at any time before the new price is charged; the cancellation will take effect at the end of your current paid period and you will not be billed at the new price. Continuing the subscription after the notice period constitutes acceptance of the new price for future renewal periods only; we will never apply a price change retroactively.

---

6. Cancellation Rights and Refunds

Under S.I. No. 19/2022 (Ireland) implementing the EU Consumer Rights Directive, you have a 14-day right of withdrawal from a paid subscription. This right exists against Cozzy as the supplier of the service.

Right of withdrawal — immediate performance. Where you purchase a paid subscription, you expressly request that Cozzy begin performing the service immediately, before the end of the fourteen (14) day withdrawal period that would otherwise apply under Regulation 13(1)(m) of S.I. No. 19/2022 (transposing Article 16(m) of Directive 2011/83/EU). You give that express request, and you acknowledge that you will accordingly lose your right of withdrawal once performance begins, by (a) accepting these Terms via the in-app legal acceptance screen, and (b) tapping the purchase button on the paywall ("Get Beginner", "Get Expert", "Start Free Trial" or equivalent). Free trials do not displace this acknowledgement: where a paid period follows a trial, your purchase request and waiver take effect when you confirm the purchase. Your statutory right to refunds for non-conformity, and any refund policies operated by Apple or Google, are unaffected.

Where the right of withdrawal still applies, contact support@cozzy.io within 14 days. Because the App Store / Play Store is the merchant of record, refunds are processed in practice through the platform that took your payment:

iOS: reportaproblem.apple.com.
Android: play.google.com.

To stop future renewals, manage the subscription in your Apple ID or Google Play account settings. Uninstalling the App does not cancel your subscription.

---

7. AI-Powered Features

Cozzy offers two AI-powered features powered by Google Gemini running on Google Cloud Vertex AI in the EU (europe-west4, Netherlands). Both are off by default and only run after you opt in:

1. Olivia AI Assistant — available across paid tiers, default OFF. You are prompted to opt in before any data is sent to the model, and you can disable Olivia at any time under Settings > Preferences > AI Features.

2. AI Auto Categorisation — available only on the Expert tier, default OFF. On upgrade to Expert you are shown a one-time prompt asking whether to enable it. You can also enable or disable AI Auto Categorisation any time via the "Auto Categorisation" toggle under Settings > Preferences. The feature is not available on the Free or Beginner tiers and no transaction data is sent to Vertex AI for categorisation purposes for users on those tiers.

AI-generated content is informational only and does not constitute financial advice (see §1). AI outputs may occasionally contain inaccuracies; verify important financial information against your official bank statements. Before any data is sent to the AI model, personal identifiers are filtered out using automated heuristics; see Privacy Policy §10.3 for full details, including the limits of those heuristics. The specific AI model versions used may be updated periodically.

We also operate an automated moderation classifier (Google Perspective API) on user-submitted comments in the Education Hub, with an inline notice at the comment box per EU AI Act Art. 50(2).

---

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;

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

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

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

(g) share your account credentials with others; or

(h) post user-generated content that is unlawful, abusive, harassing, or otherwise violates our community standards.

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

---

9. Termination

By you. You may terminate these Terms at any time by deleting your account via Settings > Delete Account.

By us. We may suspend or terminate your access immediately if you materially breach these Terms. We will notify you by email where practicable.

Effect of termination. Sections 1 (Nature of Service), 10 (Warranty Disclaimer), all of 11 (Limitation of Liability, including §§11.1–11.8), 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 Service is provided on an 'as is' and 'as available' basis without warranties of any kind. Nothing in this section affects your statutory rights as a consumer under the Consumer Rights Act 2022 (Ireland), the Consumer Protection Act 2007 (Ireland), or any other applicable consumer protection legislation in your country of habitual residence.

---

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 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 Protection Act 2007 (Ireland), the Consumer Rights Act 2022 (Ireland), and any other applicable consumer protection legislation in your country of habitual residence; 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:

(a) for paying users: the greater of (i) the total fees actually paid by you to Cozzy in the twelve (12) months immediately preceding the date on which the claim arose, or (ii) one hundred euros (EUR 100);

(b) for users of the free tier: the greater of (i) one hundred euros (EUR 100), or (ii) the direct loss reasonably foreseeable to both parties at the time of the relevant breach.

The clause 11.2 cap does not apply to deliberate breach by Cozzy or to gross negligence.

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);

(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 Service integrates with third-party services including, but not limited to, Yapily Connect Limited (Open Banking), your financial institution(s), RevenueCat Inc. (subscription management), Supabase (authentication and database), Resend (transactional email), Google LLC (Vertex AI / Gemini, Firebase, Perspective API), Talsec a.s. (freeRASP runtime application self-protection), Apple Inc. (App Store, Apple Sign-In), and Google Ireland Limited (Play Store, Google Sign-In, FCM for EEA users). Where any of these processors is established outside the EU/EEA we transfer personal data under Standard Contractual Clauses, additionally relying on the EU-US Data Privacy Framework where the recipient remains certified at the time of transfer.

(b) Subject to Clause 11.1, we shall not be liable for any loss or damage arising from acts, omissions, errors, interruptions, delays, failures, suspensions, terminations, security breaches, data breaches, or changes by any third-party service provider, or from inaccuracies in data provided by your financial institution(s) or transmitted through Yapily, or from your use of or reliance on any third-party service.

11.5 Financial Information and Decisions

(a) No Financial Advice. The Service is a personal finance management tool. The Service does not provide, and nothing in the Service 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 any financial, investment, budgeting, or spending decisions you make based on information displayed in the Service, from any reliance you place on data shown in the Service, from any inaccuracies in data sourced from your financial institution(s), or from any delay in data synchronisation.

(c) You acknowledge that you are solely responsible for verifying the accuracy of any information displayed in the Service against your official bank statements and financial records.

11.6 Service Availability and Force Majeure

Subject to Clause 11.1, we shall not be liable for any loss or damage arising from interruptions, delays, or failures in the Service's availability; scheduled or unscheduled maintenance; events beyond our reasonable control (including acts of God, natural disasters, pandemics, war, terrorism, riots, embargoes, governmental action, cyberattack, or denial-of-service attack); or failures or disruptions in internet connectivity or mobile network services.

If any force majeure event prevents us from providing the Service for more than 30 consecutive days, you may terminate these Terms and cancel any paid subscription without penalty by contacting support@cozzy.io. We will then request a pro-rata refund of the unused portion of your term through the Apple or Google billing channel from which the subscription was purchased; where the platform refund is unavailable we will offer an equivalent service credit. Final approval of platform refunds rests with Apple or Google.

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.

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.

---

12. Third-Party Links

The Service 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 Service 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 Service 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.

User-generated content. If you submit content in the Service, you grant Cozzy a non-exclusive, royalty-free, worldwide licence to host, display, and moderate that content solely for the purpose of operating the Service.

AI-generated content. Outputs generated by AI features are provided for your personal use and should not be redistributed for commercial purposes.

---

14. Dispute Resolution

If you have a complaint about the Service, 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, Irish consumers may contact the Competition and Consumer Protection Commission (ccpc.ie). Consumers habitually resident elsewhere may contact the consumer authority in their country of residence.

We are not required to participate in any alternative dispute resolution (ADR) scheme under applicable Irish or EU legislation, and we do not commit to ADR. 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, by in-app banner and (where we hold a verified email address) by email.

---

17. App Store / Play Store Terms (Third-Party Beneficiaries)

You acknowledge that these Terms are between you and Cozzy only, and not with Apple Inc. or Google LLC.

Apple Inc. and its subsidiaries are third-party beneficiaries of these Terms in respect of the App as obtained through the App Store and, upon your acceptance, have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary. Apple has no obligation to provide maintenance or support for the App. The Apple App Store Terms of Service also apply to your use of the App.

Google LLC and its subsidiaries (including Google Ireland Limited) are third-party beneficiaries of these Terms in respect of the App as obtained through the Google Play Store and, upon your acceptance, have the equivalent right to enforce these Terms against you. The Google Play Developer Distribution Agreement and Google Play Terms of Service also apply to your use of the App where obtained through Google Play.

---

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 Service, 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:

Email: support@cozzy.io
Entity: Cozzy Finance Limited (CRO 812498)
Address: Venture Hub, 136 Capel Street, Dublin 1, D01 T2C9, Ireland