Terms of Service

Last updated: October 22, 2026

These terms govern your use of the Qoin website and the Qoin app (together, "Qoin" or the "Service"). "We" and "us" mean the team that runs Qoin. By creating an account or using the Service you agree to these terms and to our Privacy Policy. Questions: support@qoin.pro.

What Qoin is

Qoin is a personal budget and expense tracker: you record or import your accounts and transactions, group them by category, set budgets and view insights and charts in 170+ currencies. Qoin is a tool for your own records. It does not give financial, tax or investment advice, does not move money and is not connected to your bank.

Your account

• You must be at least 16 years old to use Qoin.
• Keep your password private. You are responsible for everything done under your account.
• The data you enter must be yours or data you are allowed to use. Don't use Qoin for anything unlawful, don't try to break into it, overload it or access other people's data.
• The demo account is shared and read-only; anything entered there is visible to everyone and may be reset at any time.

Plans, payments and renewals

• Free is free forever, with the limits shown on the pricing section.
• Pro and Max are paid subscriptions, billed monthly or annually, with the limits shown at the time of purchase. Pro is also available as a one-time lifetime purchase.
• Payments are processed by our merchant of record, Paddle.com Market Ltd, which handles checkout, taxes, invoices and refunds. Paddle's checkout terms also apply to each purchase.
• Subscriptions renew automatically at the end of each billing period at the then-current price until you cancel. Prices are shown in your local currency where available, taxes may be added at checkout.
• You can cancel any time from Manage billing in the app. Access continues until the end of the period you have paid for; no further payments are taken. Refunds are described in our Refund and Cancellation Policy.
• If a renewal payment fails, Paddle retries it for a short time and your plan stays active meanwhile; if payment is not recovered, the subscription ends.
• When a paid plan ends, your account returns to Free. Nothing is deleted: everything you have recorded stays visible, but you cannot add new accounts, persons or transactions beyond the Free limits until you upgrade again.
• We may change prices or plan limits for the future. Changes to the price of an existing subscription take effect from the next renewal, and we will tell you about them in advance.

AI features

The AI chat and import cleanup suggest transactions, names and categories from the text you give them. Suggestions can be wrong. Nothing is saved until you confirm it, and you are responsible for checking what you confirm. AI features have monthly limits that depend on your plan.

Your data

Your data stays yours. You can export your categories and the transactions of any account to JSON at any time, and you can ask us to delete your account. How we handle data is described in the Privacy Policy.

Availability and changes

We work to keep Qoin available and backed up, but it is provided "as is" without a guarantee of uninterrupted service. Features may be added, changed or removed; if a change makes a paid plan materially worse, you may cancel and ask for a refund of the unused part of the current period. We may suspend or close accounts that break these terms.

Liability

To the extent permitted by law, we are not liable for indirect losses, lost profits or decisions you make based on the figures in Qoin, and our total liability for any claim is limited to the amount you paid us in the 12 months before the claim. Nothing here limits liability that cannot be limited by law.

Changes to these terms

If we change these terms, we will update the date at the top of this page and announce significant changes on the website or in the app. Continuing to use Qoin after a change means you accept the new terms.