Terms of service

These terms cover your use of Kanjō, at www.kanjo.sg and in the Kanjō iOS app. The service is provided by Hanso Pte. Ltd., a company registered in Singapore, and "we" below means that company.

By creating an account you agree to these terms. If you do not, do not create one — and if you already have, you can delete it at any time from Settings.

What Kanjō is, and what it is not

Kanjō is a tool for recording and sharing household spending. You type in what you spent, or scan a receipt, or import a statement, and it keeps the ledger.

It is not financial, tax or accounting advice. It does not connect to your bank, it never holds your banking credentials, and it cannot move money. Nothing it shows you is a professional opinion, and its arithmetic is a convenience rather than a record of account — for anything that matters legally or to a tax authority, your bank's own statements are the record.

Your account

You need an accurate email address, because it is how you get back in. Keep your password to yourself; if you think someone else has it, change it in Settings — doing so ends every other signed-in session immediately.

One account is one person. You may share categories with other people, which is the point of the product, but sharing a login is not the same thing and is not supported.

Subscriptions — and cancelling, which differs

Some features are paid: receipt scanning, bank statement import, category sharing, export and API access, depending on the plan. Prices are shown before you subscribe.

There are two ways to subscribe, and they are cancelled in different places. This trips people up, so it is worth being precise:

• Bought in the iOS app (through Apple): manage and cancel it in Settings → your name → Subscriptions on your device, or through the App Store. We cannot cancel an Apple subscription for you — Apple does not give us that ability. Refunds are requested from Apple, not from us.
• Bought on the web (through Stripe): manage and cancel it from Settings in Kanjō, which opens Stripe's billing portal. You can also write to us and we will cancel it.

Your export shows which of the two applies to your account, and so does the Settings page. Cancelling stops the next renewal; access continues until the end of the period you have already paid for. We do not pro-rate part-months.

If a payment fails we do not cut you off immediately — the payment provider retries first, and access continues while it does. If it ultimately fails, the account returns to the free plan and your data stays where it is.

Fair use

Do not use Kanjō to break the law, to store someone else's data without their knowledge, or to attack the service. Specifically: do not try to get at other people's accounts, do not script the app to generate load it is not meant to carry, and do not resell access.

Receipt scanning and statement import cost us money per use and are metered per plan. Working around the meter is a breach of these terms rather than a clever trick.

Shared categories, and what happens when someone leaves

A category can be shared with another person at one of four levels: view, add, edit your own entries, or edit everything. The owner sets the level, can change it, and can revoke access at any time. Revoking is immediate.

The product creates a question that is worth answering plainly rather than leaving to be discovered:

• If you delete your account, the expenses you created are deleted with it — including ones in categories somebody else owns. The other members keep the category and their own entries, and your entries will disappear from their totals.
• If the owner of a shared category deletes their account, the category goes with them, and so does everything in it. Anyone who was sharing it loses access. If that matters to you, take an export first.
• If access is revoked, nothing is deleted — you simply stop seeing the category. Entries you created stay in the owner's ledger.

In short: an owner can end a shared category for everyone. Share with people you would trust with the ledger, because that is what sharing means here.

Your content

Your ledger is yours. We claim no ownership of it. We store and process it to run the service, as described in the Privacy policy, and we do not sell it or use it to train models.

You are responsible for having the right to upload what you upload — a statement belonging to a joint account is fine, someone else's is not.

Availability

We run Kanjō on our own hardware and we intend it to be up. We do not offer a guaranteed uptime figure, because a single-operator service that promised one would be promising something it cannot enforce. We will take it down for maintenance when we need to, and try to do that when few people are using it.

Keep your own copy of anything you cannot afford to lose. Settings → export gives you the whole ledger as a file, and it costs nothing.

Ending it

You can delete your account from Settings whenever you like. It removes your account and everything belonging to it, in one go, and cannot be undone.

We may suspend or close an account that breaches these terms — for abuse, for attacking the service, or for use that is plainly illegal. Where we reasonably can, we will tell you first and give you a chance to export your data. If we close a paid account without cause, we refund the unused part of the period.

Liability

Kanjō is provided as it is. To the extent the law allows, we are not liable for indirect or consequential loss, for lost profits, or for decisions you make on the basis of what the app shows you. Where liability cannot be excluded, it is limited to what you have paid us in the twelve months before the claim.

Nothing here limits rights you have that cannot be limited — consumer rights under Singapore law, and for EU users the rights the GDPR and consumer law give you regardless of what a contract says.

Governing law

These terms are governed by the laws of Singapore, and the Singapore courts have jurisdiction. If you are a consumer in the EU, this does not deprive you of the protection of your own country's law.

Changes, and a limitation worth stating

We may change these terms. If a change matters we will say so in the app rather than only updating the date at the top, and continuing to use Kanjō after that means accepting the new version.

These terms were written by the people who built Kanjō and have not been reviewed by a lawyer. They are meant to be accurate and readable rather than exhaustive. If something here is wrong, unclear, or unfair, say so: support@kanjo.sg.