Terms of Service

1. Acceptance of Terms

By using SoloKeeper (“the Service”), you agree to these Terms of Service. If you do not agree, do not use the Service.

2. Description of Service

SoloKeeper is an AI-powered financial coaching service delivered through Telegram. It helps you track expenses, generate PDF invoices, produce tax-ready reports, monitor savings goals, and build better financial habits based on proven principles. The Service is not a licensed financial advisor, tax professional, or fiduciary.

3. Not Financial or Tax Advice

SoloKeeper provides educational financial coaching, not professional financial or tax advice. The information, suggestions, invoices, and tax summaries provided are for general guidance and convenience only. Tax reports generated by the Service are summaries based on data you provide — they are not tax filings and do not replace professional tax preparation. You should consult a qualified financial advisor, accountant, or tax professional for decisions regarding investments, tax filings, or significant financial matters. We are not responsible for financial decisions or tax outcomes based on interactions with the Service.

4. Eligibility

You must be at least 18 years old and have the legal capacity to enter into a binding agreement to use the Service.

5. Account and Access

• Access is provided through your Telegram account.
• You are responsible for maintaining the security of your Telegram account.
• One subscription covers one user. Sharing access is not permitted.

6. Pricing and Payment

• The Service costs $99 per month, billed monthly.
• The first 100 users receive 1 month free.
• You may cancel at any time. Cancellation takes effect at the end of your current billing period. No refunds for partial months.
• We reserve the right to change pricing with 30 days' notice.

7. Your Data

• Financial data you share is stored in a Google Sheet you own, accessed via OAuth 2.0 authorization you control.
• You can revoke access and retain all your data at any time.
• We do not sell, share, or use your financial data for purposes other than providing the Service.

8. Acceptable Use

You agree not to:

• Use the Service for illegal purposes or money laundering.
• Attempt to reverse-engineer, exploit, or abuse the AI system.
• Share your account access with others.
• Submit false information or use the Service to generate fraudulent financial records.

9. Service Availability

We aim for high availability but do not guarantee uninterrupted service. The Service depends on third-party platforms (Telegram, Google, cloud infrastructure) that may experience outages outside our control. We will notify users of planned maintenance when possible.

10. Limitation of Liability

To the maximum extent permitted by law, SoloKeeper and its operators shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or financial losses arising from your use of the Service. Our total liability shall not exceed the amount you paid for the Service in the 3 months preceding the claim.

11. Modifications

We may update these Terms from time to time. Material changes will be communicated through the Service or via email. Continued use after changes constitutes acceptance.

12. Termination

We may suspend or terminate your access if you violate these Terms. You may terminate your account at any time by cancelling your subscription. Upon termination, your data remains in your Google Sheet.

13. Contact

For questions about these Terms, contact us at legal@katlex.com.