KOṠA ("the Service") is a personal finance tracking and management tool provided by VN Tech Inc. ("we", "us", "our"). The Service allows users to import, categorize, and analyze personal financial transactions.
You must be at least 18 years of age to use this Service. By creating an account, you represent and warrant that you are 18 or older.
KOṠA is a tracking and organizational tool only. Nothing in the Service constitutes financial, investment, tax, or legal advice. Transaction categorization is automated and may be incorrect. You are solely responsible for your financial decisions.
You may not use the Service to store data belonging to other persons without their consent, attempt to access other users' data, or use the Service for any unlawful purpose.
VN Tech Inc. is not liable for any financial decisions made based on information displayed in the Service, for data loss due to user-initiated deletion, or for service interruptions.
These terms are governed by the laws of the State of Texas, United States.
Data is stored in Supabase (PostgreSQL) on AWS us-east-1 servers in the United States. Row-level security ensures only you can access your data. SHA-256 hashes are retained for duplicate detection only.
We do not sell, rent, or share your data with third parties. We do not use your data for advertising. Infrastructure providers (Supabase, Render) have access to encrypted data per their own privacy policies.
California residents have additional rights under the CCPA including the right to know what personal information is collected and the right to opt out of sale (we do not sell data). Contact [email protected] to exercise these rights.
Indian residents have rights under India's Digital Personal Data Protection Act 2023. Data Fiduciary contact: [email protected]. Data is currently stored on US servers; Indian data residency compliance is in progress.
Privacy questions: [email protected] · VN Tech Inc. · Houston, TX, USA
Your trial begins on the date of signup and lasts 120 days. During this period you have full access to all features.
You may delete all your data at any time from Settings → Data & Privacy. This action is immediate and irreversible. A "Kill Switch" feature is available to practice data deletion during demo mode.
If you chose demo data at signup, that data is pre-seeded fictional content for illustration only. It does not represent any real person, account, or financial institution. Demo data is deleted when you convert to your own data or at trial expiry.
By creating an account, you agree to receive the following service emails which are required for account management:
We do not send marketing emails. You will only receive the service emails listed above. You cannot unsubscribe from service emails as they are required for account management per our deletion policy.