Legal

Terms of Use

Last updated: June 10, 2026

Please read these Terms of Use ("Terms") carefully before using the Coyn: Budget & Expense Tracker mobile application ("App"). By downloading, installing, or using the App, you agree to be bound by these Terms.

If you do not agree to these Terms, do not download or use the App.

1. Acceptance of Terms

By accessing or using the App, you confirm that you are at least 13 years of age and have the legal capacity to enter into these Terms. If you are using the App on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.

2. License to Use the App

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to download and use the App on your personal Apple device for your personal, non-commercial purposes.

You may not:

  • Copy, modify, or distribute the App or any portion of it
  • Reverse engineer, decompile, or disassemble the App
  • Use the App for any unlawful or unauthorized purpose
  • Remove any copyright, trademark, or other proprietary notices
  • Transfer, sublicense, or sell your rights under these Terms

3. Subscriptions and In-App Purchases

Coyn offers a premium subscription ("Coyn Premium") that provides access to additional features. The following terms apply to all subscriptions:

  • Auto-renewal: Coyn Premium is an auto-renewable subscription. Payment is charged to your Apple ID account at confirmation of purchase.
  • Renewal: The subscription automatically renews unless cancelled at least 24 hours before the end of the current subscription period.
  • Billing cycle: Your account is charged within 24 hours prior to the end of the current subscription period at the applicable renewal rate.
  • Managing subscriptions: You can manage and cancel your subscription at any time through your Apple ID account settings in the App Store.
  • No refunds: Unused portions of a free trial period, if offered, will be forfeited upon purchase of a subscription.

All purchases are processed by Apple through the App Store. We do not have access to your payment information.

4. User Responsibilities

You are responsible for:

  • All data you enter into the App
  • Maintaining the security of your device and the data stored on it
  • Any use of the App under your Apple ID
  • Compliance with all applicable laws and regulations

5. Disclaimer of Financial Advice

The App is designed as a personal budgeting and expense tracking tool. Nothing in the App constitutes financial, investment, tax, or legal advice. You should consult a qualified financial professional before making financial decisions.

We are not responsible for any financial decisions you make based on data or insights provided by the App.

6. Data and Privacy

Your use of the App is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the App, you consent to the data practices described in our Privacy Policy.

7. Intellectual Property

The App and all content, features, and functionality (including but not limited to text, graphics, logos, icons, images, and software) are owned by us or our licensors and are protected by copyright, trademark, and other intellectual property laws.

The Coyn name, logo, and all related marks are our trademarks. You may not use them without our prior written permission.

8. Disclaimer of Warranties

THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that:

  • The App will be uninterrupted, timely, secure, or error-free
  • Any errors in the App will be corrected
  • The App will meet your specific requirements

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF DATA, LOSS OF PROFITS, OR ANY OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF THE APP.

Our total liability to you for any claims arising from these Terms or your use of the App shall not exceed the amount you paid for the App in the twelve months prior to the claim.

10. Termination

We reserve the right to terminate or suspend your access to the App at any time, without notice, for conduct that we believe violates these Terms or is harmful to other users, us, third parties, or for any other reason at our sole discretion.

Upon termination, your right to use the App ceases immediately. All provisions of these Terms that by their nature should survive termination shall survive.

11. Changes to Terms

We may update these Terms at any time. We will notify you of significant changes by updating the "Last updated" date. Your continued use of the App after changes are posted constitutes your acceptance of the revised Terms.

12. Governing Law

These Terms shall be governed by and construed in accordance with applicable law, without regard to conflict of law principles.

13. Contact Us

If you have any questions about these Terms, please contact us: