Terms of Use

These terms apply to ktisai.com and to the apps made by Ktisai (“we,” “us”), including Synesis, Oikonomos, and Nomizo. By using the website or an app, you agree to these terms. If you do not agree, please do not use them.

Using our apps

You may use our apps for your own personal, non-commercial purposes, in line with these terms and the law. Some apps or features may have additional terms, which we will show you before you use them.

Your account

If an app lets you create an account, you are responsible for keeping your sign-in secure and for activity under your account. Please tell us promptly at info@ktisai.com if you suspect unauthorized use.

Acceptable use

Please do not:

• break the law or infringe anyone else’s rights;
• try to disrupt, overload, or gain unauthorized access to our apps or systems;
• reverse engineer, scrape, or resell the apps, except where the law allows it;
• use AI-assisted features to create harmful, abusive, or unlawful content.

Your content

You own what you create in our apps. You give us permission to store, process, and display it only as needed to run the apps for you. See our Privacy Policy for how we handle it.

Our content

The apps, their design, and their original content belong to Ktisai or our licensors. Public-domain and openly licensed texts remain under their own terms.

Third-party services

Some features rely on other companies, such as sign-in providers, bank-connection providers, or AI model providers. Your use of those services may also be subject to their terms. We are not responsible for services we do not control.

Not professional advice

Our apps are tools. Budgeting features are not financial, tax, or legal advice, and learning features and AI-generated output may contain mistakes. Please use your own judgment.

Changes and availability

We may update, change, or discontinue an app or feature. Some apps may be in testing and may be incomplete. We may suspend access if you seriously or repeatedly break these terms.

Disclaimers

To the extent the law allows, the website and apps are provided “as is” and “as available,” without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

Limitation of liability

To the extent the law allows, Ktisai will not be liable for indirect, incidental, special, consequential, or punitive damages, or for lost data or profits, arising from your use of the website or apps. Our total liability for any claim is limited to the greater of the amount you paid us for the app in the past twelve months or US$50.

Governing law

These terms are governed by the laws of the State of [state to be confirmed], United States, without regard to its conflict-of-law rules.

Changes to these terms

If we update these terms, we will change the date at the top of this page. Continuing to use the website or apps after a change means you accept the updated terms.

Contact

Questions about these terms? Email info@ktisai.com.