Terms of Service

By creating an account or using KudiTrail (“the Service”), you agree to these Terms of Service. If you do not agree, do not use the Service. You must be at least 18 years old to use KudiTrail.

KudiTrail is a personal finance tool that helps you understand your spending by parsing bank alert text messages, email notifications, and account statement PDFs that you provide. We display this information visually as your “money trail.”

KudiTrail is not a bank, financial institution, payment processor, or investment adviser. The service does not hold, move, or manage your money in any way.

Nothing on KudiTrail constitutes financial, investment, tax, or legal advice. The information displayed is based solely on transaction data you provide and is for your personal information and tracking purposes only.

Do not make financial decisions based solely on KudiTrail data. Always consult a qualified financial professional for advice specific to your situation.

• You are responsible for keeping your password secure and for all activity under your account.
• You must provide accurate information when creating your account.
• One person, one account. You may not share your account or create accounts on behalf of others without permission.
• You must notify us immediately if you suspect unauthorized access to your account.

• You own the data you upload. By uploading it, you grant us a limited licence to process it for the purpose of providing the Service.
• You are responsible for ensuring you have the right to upload any document you provide.
• Do not upload documents that contain other people’s personal or financial information without their consent.
• You can delete all your data at any time from Settings.

You agree not to:

• Use KudiTrail for any illegal purpose or in violation of any Nigerian or applicable law.
• Attempt to access another user’s account or data.
• Reverse-engineer, scrape, or copy any part of the Service.
• Upload malicious files, fake financial statements, or fraudulent data.
• Use the Service to facilitate money laundering, fraud, or any financial crime.

Violation of these rules may result in immediate account termination.

KudiTrail is provided “as is” and “as available” without warranties of any kind, express or implied. We do not guarantee that:

• The Service will be uninterrupted or error-free.
• Transaction parsing will always be 100% accurate — always verify figures against your actual bank records.
• The Service will be available at any particular time.

To the maximum extent permitted by law, KudiTrail shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the Service, including but not limited to financial loss, loss of data, or business interruption.

Our total liability to you for any claim arising from use of the Service shall not exceed the amount you paid us in the 12 months preceding the claim (or NGN 0 if you are on a free plan).

Your use of KudiTrail is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

We may modify, suspend, or discontinue any part of the Service at any time. We will give reasonable notice of significant changes. Your continued use after notice constitutes acceptance of the changes.

You may close your account at any time from Settings. We may suspend or terminate your account if you violate these Terms. Upon termination, your data will be deleted according to our Privacy Policy.

These Terms are governed by the laws of the Federal Republic of Nigeria. Any dispute will be resolved in the courts of Lagos State, Nigeria, unless otherwise required by applicable law.

For questions about these Terms: hello@kuditrail.com