Terms of Service

Effective Date: October 7, 2026

1. Acceptance of Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User") and YukiSoftware OÜ (Registry Code: 17417945), a private limited company registered in Estonia, with registered address at Harju maakond, Tallinn, Kesklinna linnaosa, Uus-Sadama tn 21-207, 10120 ("Company," "we," "us"). By accessing or downloading the Yuki mobile application or website ("App"), you agree to be bound by these Terms. If you do not agree, strictly do not use the App.

2. Service Description

Yuki is an AI-powered Personal Productivity & Insight Engine. The App can optionally connect to data sources (such as Gmail and Calendar) to extract structured data and generate actionable insights.

Optional Integrations: Yuki is fully functional without any third-party data source connections. At sign-up, you provide only basic profile information (name, email, profile picture). Connecting Gmail and Calendar is entirely optional and can be done from the post-signup screen or any time later from Profile > Connect Gmail & Calendar. You may also disconnect at any time from the same screen, which immediately revokes Yuki's access tokens. Without these integrations, calendar and email-derived insights will simply show empty states; all manual features (tasks, expenses, groups, polls, grocery lists, trips, etc.) remain fully usable.

Financial expense tracking and subscription monitoring.
Travel itinerary organization and timeline visualization.
Calendar scheduling and conflict resolution.
Email drafting and "Quick Action" replies.
Automated task creation from actionable email content (payment due dates, check-in reminders, subscription renewals, delivery pickups) and from important notices (official letters, fines, school notices and appointments); appointments are added to your calendar only when you approve them or have chosen to add them automatically.
Record enrichment with follow-up email data (refunds, cancellations, delays, status updates).
Collaborative group management for shared tasks, expenses, and polls.
Grocery and shopping list management (personal and shared within Groups).
Weather forecasts for trip destinations.
Real-time flight status enrichment (gates, terminals, delays).
Push notification alerts for task reminders, group activity, and email arrivals.
Birthday and special day reminders with wish-sending features.
Calendar file (.ics) import and event creation.
Where available, Yuki Agent features that act for you once you approve: writing and sending emails, finding free time and estimating when to leave for an event, moving, cancelling or declining Google Calendar events, and working through websites in a browser Yuki runs for you (see Sections 5 and 13).
Where available, read-only connections to bank accounts in the EU/EEA (through Enable Banking) to show balances, transactions and debts and to keep your net worth up to date.

The Company reserves the right to modify, add, or remove features at any time.

3. AI Disclaimer, Auto-Sync & Accuracy (Best Estimates)

The App utilizes Large Language Models (LLMs) and Artificial Intelligence to interpret data. You acknowledge that AI is probabilistic and may produce inaccurate or "hallucinated" results.

Best Estimates Only: All extracted data—including financial amounts, dates, flight times, subscription costs, booking statuses, and refund amounts—are provided as "best estimates" based on the available email text. We do not guarantee 100% accuracy.
Status Updates & Enrichment: The App automatically updates existing records when follow-up emails are detected (e.g., cancellations, delays, refunds). These updates are best-effort interpretations and may include hedging language (e.g., "Probably cancelled — best to confirm with airline directly") when the system is uncertain. Always verify status changes against the original source.
Automated Tasks & Appointments: Tasks created automatically from email content (payment reminders, check-in alerts, renewal notices, and important notices such as official letters, fines and school notices) and appointments found in emails are based on AI-extracted data and may be inaccurate. Extracted deadlines, amounts, reference numbers and appointment times may be wrong or incomplete — always check the original letter or email before acting on it. Yuki never pays a fine and never replies to a notice on its own; paying, answering or otherwise acting on a notice remains your responsibility. Missed or incorrect task dates, deadlines or appointments are not the responsibility of YukiSoftware OÜ. You can disable auto-task creation, and choose how appointments are handled, in Profile > Notifications.
AI-Generated Trip Itineraries: The Plan-a-Trip feature generates draft day-by-day itineraries based on your prompt and the trip window you select. These are best-effort suggestions only — restaurants, museums, attractions, opening hours, addresses, neighbourhoods, and durations may be inaccurate, outdated, or invented. Itineraries are clearly flagged as drafts inside the app. You must verify hours, addresses, prices, and reservations against official sources before relying on any place. For these draft itineraries, YukiSoftware OÜ does not act as a travel agency, booking service, or tour operator and assumes no responsibility for missed reservations, closed venues, or other losses arising from AI-generated itineraries. Bookings Yuki makes for you at your request are covered by Section 13.
Auto-Sync Limitations: The automatic synchronization and data fetching from Gmail, Calendar, and other connected sources operates on a "best effort" basis. Data may not always be fetched completely, may be delayed, or may occasionally fail due to API limitations, network issues, or source formatting. IT IS ALWAYS THE USER'S RESPONSIBILITY TO VERIFY important information (flights, payments, appointments) against the original source.
Not Professional Advice: We are NOT a financial advisor, travel agency, or tax professional. You are solely responsible for verifying the accuracy of any extracted data (e.g., checking your actual bank statement or airline ticket) before relying on it.
No Liability for Errors: YukiSoftware OÜ is not liable for any missed flights, unpaid bills, or financial losses resulting from errors in data extraction, incorrect status updates, inaccurate auto-created tasks, or sync failures.
Weather Forecasts: Weather data displayed for trip destinations is fetched from third-party sources and provided for informational purposes only. YukiSoftware OÜ is not a weather service and does not guarantee forecast accuracy. Always check official sources before travel.
Flight Enrichment: Supplementary flight information (gates, terminals, delays) is sourced from third-party APIs and may be inaccurate or outdated. Always verify flight details directly with your airline or airport.
"Leave By" Estimates: Travel times and "leave by" suggestions are estimates — from Google Maps Platform or, where no route is available, from the straight-line distance. Traffic, public-transport timetables and other conditions change: always allow extra time and check before you set off.
Push Notifications: Push notification delivery depends on your device, operating system, and network conditions. YukiSoftware OÜ does not guarantee delivery or timeliness of notifications. Missing a notification is not grounds for liability.
Grocery Lists: The grocery list feature is an organizational planning tool only. YukiSoftware OÜ is not a grocery delivery or shopping service and bears no responsibility for list accuracy, item availability, or purchases made based on list contents.

4. Groups

The App offers collaborative Groups for shared task management, expense splitting, and polls.

A. Data Sharing Within Groups

By creating or joining a Group, you agree that:

Tasks, expenses, settlements, comments, poll responses, and activity logs you create within the Group are visible to all active group members.
Your display name, avatar, and email address (via invitations) are shared with group members.
Calendar sharing within a Group is opt-in and disabled by default. If enabled, your calendar events are visible to group members.
Your personal data (emails, individual financial records, private tasks) is never shared with group members unless you explicitly create it within the Group context.

B. Group Membership & Removal

Group admins may remove members at any time. Removed members immediately lose access to all group data.
Historical activity records (e.g., "Alice added an expense") remain visible to other members after removal.
Outstanding expense balances are not automatically settled upon removal. Members are responsible for settling debts outside the App if necessary.

C. Expense Tracking Disclaimer

Group expense tracking and balance calculations are provided for organizational convenience only.
YukiSoftware OÜ is not a payment processor, financial intermediary, or debt collection service.
We are not liable for disputes between group members regarding shared expenses, settlements, or outstanding balances.
All financial settlements between members occur outside the App and are the sole responsibility of the parties involved.

5. Subscriptions & Payments

Merchant of Record: Financial transactions are processed by Apple (for iOS App Store purchases), Google (for Android Play Store purchases), or Paddle.com (for web-only purchases at yukihq.com). Each acts as the Merchant of Record for their respective transactions. We do not store or process your payment credentials. Paddle handles global VAT/GST collection and remittance on our behalf for web purchases. Paddle is not used inside the iOS or Android apps — in-app purchases on those platforms go exclusively through Apple's In-App Purchase system or Google Play Billing respectively, in compliance with each platform's policies.
Pro Features: Certain features, including Group creation, require an active Yuki Pro subscription.
Yuki Agent (when offered): Where and when we offer it, Yuki Agent is a subscription plan above Yuki Pro. It includes everything in Yuki Pro, plus features that act for you with your approval — such as the email and calendar agent, proactive suggestions (a morning note and ideas) and, where available, bookings and the browser agent. Yuki Agent is not yet offered to everyone. Which of its features you can use may depend on your country or region, your device, the accounts you connect and the availability of third-party services, and features we describe as tests may be limited, changed or withdrawn.
Price, Free Trial and Renewal: The price and billing period (monthly or yearly) of a plan, and any free trial (for Yuki Agent, for example, 7 days), are shown in the App Store, in Google Play or on the checkout page at yukihq.com before you buy; the store or Paddle may add or include local taxes. Whether you can have a free trial is decided by the store or by Paddle — the App Store, for example, gives one introductory offer per subscription group. A subscription renews automatically at the end of each billing period, and a free trial turns into a paid subscription when it ends, unless you cancel before then under the rules of the store or of Paddle.
Cancelling: You can cancel at any time — for App Store purchases in your Apple account's subscription settings, for Google Play purchases in the Play Store, and for purchases at yukihq.com with "Cancel subscription" in your profile or in Paddle's customer portal. Cancelling stops the next renewal, and you keep your plan until the end of the period you have paid for. Refunds follow the "Refunds" point below. Deleting your account does not cancel an App Store or Google Play subscription: you need to cancel it with the store first (see Section 9 of our Privacy Policy).
Moving Between Yuki Pro and Yuki Agent: An upgrade from Yuki Pro to Yuki Agent is made on the subscription you already have, by the platform that bills it: the App Store handles it as an upgrade within the same subscription group; on Google Play, the new plan replaces your current one straight away and the unused time is credited; at yukihq.com, your subscription moves to Yuki Agent straight away and Paddle charges the difference for the rest of the current billing period. Upgrade on the platform that bills your current plan — buying Yuki Agent elsewhere would start a second, separate subscription. A move from Yuki Agent back to Yuki Pro takes effect under the rules of the platform that bills you; if it doesn't offer one, contact [email protected].
Fair Use: Yuki Agent has no monthly allowance of Yuki AI requests. To stop runaway loops and abuse, we apply technical limits that ordinary personal use does not reach — currently 60 Yuki AI requests an hour, 400 a day and 20 browser-agent sessions a day, with one browser session running at a time — and we may adjust them. If you reach one, Yuki tells you, and the limit frees up as time passes.
Refunds: Refunds are governed by the policy of the platform that processed your purchase. For Apple App Store and Google Play Store purchases, refund requests are handled by Apple and Google respectively. For web purchases processed by Paddle (our Merchant of Record for web), refund requests are handled by Paddle in accordance with the Paddle Refund Policy. You can submit a refund request through the link in your Paddle receipt email, via the Paddle Buyer portal at paddle.net, or by contacting [email protected] — we will route the request to Paddle on your behalf.
Statutory Consumer Rights: Nothing in these Terms limits or excludes any mandatory consumer rights you may have under applicable law in your country of purchase, including any statutory withdrawal rights for residents of the EU/EEA, UK, and other jurisdictions. Such rights are administered by Paddle (for web purchases) or the relevant app store (for mobile purchases) in accordance with their respective policies.

6. User Conduct & Responsibilities

You agree NOT to:

Use the App for any illegal purpose.
Reverse engineer, decompile, or attempt to extract the source code of the App.
Use Yuki's email sending (quick replies, or emails Yuki writes for you) or the browser agent to send spam, harassment, or phishing content.
Use Groups to harass, intimidate, or share offensive content with other members.
Create fraudulent expenses or manipulate group balances.

Information About Other People: The App lets you store and use information about other people — contact details, birthdays and other dates, and personal details such as passport, visa, nationality, date of birth, phone number or address used for bookings and forms.

User Responsibility: You are solely responsible for having the necessary consent or other lawful basis for any information about another person that you enter, store, share or use in the App.
Lawful Use: You agree to use it only for legitimate personal purposes — such as greetings, reminders, and the bookings and forms you make for or with that person — and never to expose, publish, sell or otherwise misuse it.
Limits on responsibility: The personal-information responsibility provisions in Section 13 apply. They do not exclude Yuki's own breach of duty or any liability, data-protection or consumer obligation that cannot lawfully be excluded.

7. End User License Agreement (EULA)

A. License Grant

YukiSoftware OÜ grants you a limited, non-exclusive, revocable, non-transferable license to download and use the Yuki App on your personal devices solely for your personal, non-commercial use in accordance with these Terms. This license does NOT constitute a sale or transfer of ownership.

B. Intellectual Property Rights

You acknowledge and agree that:

The App, including all code, design, graphics, text, audio, video, and user interface elements, is the exclusive intellectual property of YukiSoftware OÜ.
The Yuki brand, logo, and all associated trademarks are owned by YukiSoftware OÜ.
You retain ownership of any content you create or store within the App (e.g., your personal notes, extracted data).
By using the App, you grant YukiSoftware OÜ a non-exclusive, worldwide license to use, reproduce, and modify anonymized usage data and aggregated insights for improving the App and our services, without attributing such data to you.

C. Restrictions

You agree NOT to:

Copy, modify, adapt, translate, reverse engineer, decompile, disassemble, or create derivative works based on the App or any portion thereof.
Remove, obscure, or alter any copyright notices, trademark notices, or proprietary labels on the App.
Attempt to bypass, disable, or circumvent any security features or access controls, including DRM (Digital Rights Management).
Use the App for commercial purposes, including selling, renting, leasing, or charging others for access.
Sublicense, redistribute, or transfer the App to third parties.
Use the App to reverse engineer or access any underlying technology for competing products.
Access the App using automated methods (bots, scrapers, etc.) without express written permission.

D. Software Updates & Support

Updates: YukiSoftware OÜ may automatically download and install updates, patches, and new versions of the App without prior notice. Updates may modify features, fix security vulnerabilities, or change functionality.
Support: The App provides an in-app support chat powered by an AI assistant. You may optionally request escalation to a human support agent; if you do, your conversation history will be shared with our support platform, HelpScout (helpscout.com). Support is provided at YukiSoftware OÜ's sole discretion. The Company is not obligated to provide technical support, maintenance, or bug fixes.
Discontinuation: YukiSoftware OÜ reserves the right to discontinue, modify, or suspend any features, services, or the entire App at any time without liability.
Compatibility: We do not warrant that the App will remain compatible with future versions of iOS, Android, or third-party services (Gmail, Google Calendar, etc.).

8. Termination

We reserve the right to suspend your account without notice if we detect a violation of these Terms. You may terminate this agreement at any time by deleting your account via the "Privacy & Data" settings.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, YUKISOFTWARE OÜ SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY. THIS INCLUDES, WITHOUT LIMITATION, DAMAGES ARISING FROM INACCURATE AUTO-CREATED TASKS, INCORRECT BOOKING STATUS UPDATES, ERRONEOUS REFUND DETECTION, GROUP EXPENSE DISPUTES, OR FAILURES IN RECORD ENRICHMENT. IN NO EVENT SHALL OUR AGGREGATE LIABILITY EXCEED THE AMOUNT YOU PAID US IN THE PAST TWELVE (12) MONTHS.

10. Governing Law

These Terms shall be governed by the laws of the Republic of Estonia. Any disputes shall be subject to the exclusive jurisdiction of the Harju County Court in Tallinn, Estonia.

11. Class Action Waiver (USA)

READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS. YOU AND YUKISOFTWARE OÜ AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. CLASS ARBITRATIONS AND CLASS ACTIONS ARE NOT PERMITTED.

12. Affiliate Links, Partner Sites & Third-Party Transactions

The App may display recommendations for third-party services, including but not limited to gift retailers, grocery delivery, tours, activities, restaurants, and travel bookings.
Affiliate Relationships: Yuki may earn a commission from bookings or purchases made through links within the App. This does not affect the price you pay.
No Endorsement: The inclusion of third-party services does not constitute an endorsement. We are not responsible for the quality, safety, or legality of any third-party service.
Independent Providers: All bookings are made directly with third-party providers. YukiSoftware OÜ is not a party to any transaction between you and such providers.
User Responsibility for Purchases: Any purchases, payments, or transactions you make on partner websites or third-party platforms are entirely at your own risk. YukiSoftware OÜ is NOT liable for any monetary loss, product quality issues, delivery failures, refund disputes, or any other damages arising from your transactions with partner sites. The respective partner or merchant is solely responsible for fulfilling orders and resolving disputes.
No Warranty: We make no warranties regarding the availability, pricing, or accuracy of products/services displayed from partner sites.

13. Bookings and Other Actions Yuki Takes for You

Automatic flight check-in (Agent; limited availability): Agent includes Free and Pro features, but automatic flight check-in is an Agent-only capability and is not available to every user, country, airline or booking. A subscription or notification signup does not guarantee check-in eligibility. You must review the flight and each traveller and approve check-in for that flight before Yuki submits the request. That approval may schedule the attempt for when the airline opens check-in; it does not authorise unrelated flights, purchases or paid extras.

Eligibility can depend on your location, the operating airline, route and airports, check-in deadlines, traveller age and nationality, passport validity, visas, residence permits and other travel-document or entry requirements. Group bookings, children, infants and connecting flights may need additional information or direct airline assistance. You must be authorised to act for every selected traveller, including the appropriate parent or guardian authority for a child. Yuki does not verify immigration eligibility or guarantee check-in, a seat preference, sitting together, a boarding pass, permission to board or permission to enter a country.

Approval, scheduling or a provider's receipt of a request is not completed check-in. Check the result for each traveller and flight segment; one successful check-in or boarding pass does not confirm the others. Boarding passes appear in Trips only if the airline returns them and they are successfully saved. If check-in is unavailable, failed, incomplete or uncertain, or a boarding pass is missing, use the airline's official app or website, contact the airline, or go to its airport check-in counter before the airline's deadline. Required in-person passport, visa, identity and baggage checks still apply, even after online check-in. Keep the required original documents and verify current travel requirements with your airline and the relevant authorities. The airline's and 1Checkin's terms also apply; nothing in this disclosure limits rights that cannot lawfully be excluded.

Responsibility for personal information: You are responsible for the accuracy and lawful use of information you provide about yourself or others, and for obtaining the permission or other lawful authority needed to store, share or submit it. Review the correct traveller, source of details, document validity and booking information before approving a reservation or check-in. Do not impersonate others, submit their information without authority, or use it beyond the purpose they authorised. For children or dependants, you must have appropriate authority.

Your private People record is separate from another user's account and the details they explicitly share. Editing your copy does not change their account or grant access to it. You must respect revoked permissions and applicable requests to correct or remove information. To the extent permitted by applicable law, Yuki is not responsible for a user's independent unauthorised use or disclosure of personal information where that harm is not attributable to Yuki's own breach of duty. This is not a blanket exclusion of Yuki's responsibility: nothing excludes liability or data-protection, security, consumer or other statutory obligations that cannot lawfully be excluded.

Where these features are available to you, Yuki can make certain bookings and orders for you through third-party providers — for example flights through Duffel, hotel stays through Nuitee and, in India, restaurant tables (Swiggy Dineout) and grocery orders (Swiggy Instamart) in your own Swiggy account. For these bookings and orders:

Only after your approval: Yuki books or orders nothing on its own. It acts only after you approve a card in the App that shows the details of the booking or order and its total price. Your approval is your instruction to make that booking or order on your behalf.
Your contract is with the provider: The booking or order is a contract between you and the provider or seller named on the card — for example Duffel and the airline for a flight, Nuitee and the hotel for a hotel stay, or Swiggy and the restaurant or store for a table or a grocery order. Their terms apply, including fare rules and their cancellation, change and refund policies. YukiSoftware OÜ is not a party to that contract.
Payment: Where a booking or order is paid for, the payment is taken by the provider — for example on Nuitee's secure payment form, or on Swiggy's payment page or in cash on delivery. Yuki never sees or stores your card details. Flight bookings through Duffel are currently offered only as a test to selected users: no real ticket is issued and no payment is taken from you.
Flights: Real flight bookings are made through Nuitee (Nuitée Travel Limited), which issues the ticket with the airline and takes the payment as the seller. Flight bookings through Duffel remain a test, as described above.
Price, fees and Yuki's commission: The total on the card is the full price you pay, including taxes, the provider's fees and Yuki's service margin. Yuki may earn a commission or margin on bookings and orders made through it; it is always included in the total shown before you approve and is never added afterwards. Where we show a breakdown, it adds up to that total, and Yuki's margin is part of "fees & service".
What Yuki is not: For these bookings and orders, YukiSoftware OÜ is not the merchant of record, a travel agent or a tour operator. We do not guarantee the availability of any flight, room, table or item, or any price; the provider confirms the final booking and price.
Check before you approve: You are responsible for checking every detail on the card before you approve it — including travellers' and guests' names exactly as they appear on their passport or ID, dates and times, passport or other travel-document details where they are needed, and the total. A mistake may not be correctable after booking, or only for a fee charged by the provider.
Activity and Undo: Every booking and order Yuki makes is recorded in Activity. Where Activity offers Undo for a booking, Undo asks the provider to cancel it; this works only where and while the provider allows cancellation, and the provider's cancellation fees and refund rules apply — any refund is decided and paid by the provider. Some bookings and orders cannot be cancelled from Yuki; you then need to cancel them directly with the provider (for example in the Swiggy app).
Liability and governing law: YukiSoftware OÜ is not responsible for the provider's performance of a booking or order, including cancelled, changed or overbooked flights, stays, reservations or orders, or for a refund the provider refuses. Our liability in connection with bookings and orders is limited as set out in Section 9 (Limitation of Liability), and this Section is governed by the laws of the Republic of Estonia as set out in Section 10 (Governing Law).

Where Yuki Agent features are available to you, Yuki can also act for you in other ways: send an email it wrote at your request, move, cancel or decline an event in your Google Calendar, or work through a website in a browser it runs for you (the browser agent). For these actions:

Your approval, every time: Yuki sends, submits, books, pays, cancels or declines something in your name only after you approve a card in the App that shows what will happen — for an email, its recipients and full text; for a calendar change, the event, any new time and the guests Google will notify; on a website, the step Yuki is about to take. These approvals are asked for each time and cannot be given in advance. Your approval is your instruction to act in your name, and you are responsible for what is sent, submitted, booked, paid, cancelled or declined on your instruction.
Calendar changes: Yuki changes only events on your primary Google Calendar. It moves or cancels an event only if you organise it; for an event you were invited to, it can decline the invitation instead. Google notifies the other guests (for a decline, the organiser) in your name.
Websites: The browser agent never types card numbers, passwords or one-time codes and never creates accounts: when a site asks you to sign in or pay, you do that yourself in the live browser, unless you use Pay with Link (below). Each website's own terms and privacy policy apply to what you — and Yuki, on your instruction — do there. The website or seller is responsible for the booking, order or purchase: YukiSoftware OÜ is not the merchant of record and is not a party to that contract. Websites change, can block automated browsers or can fail part-way, and Yuki may stop and hand the browser back to you; we do not guarantee that a task can be completed, or that any booking, seat, item or price is available.
Pay with Link: Where we offer it (it is still being tested and not offered to users yet; once it is, only for Link accounts in the US and Canada), you can pay at a website's checkout with a one-time card from your Link wallet by Stripe. You approve each payment in the Link app, for the exact amount and site. Stripe's Link terms apply, and the seller is responsible for the purchase.
Activity: Every such action is recorded in Activity. A sent email, a step taken on a website and a change to a calendar event cannot be undone from Yuki.
Liability: YukiSoftware OÜ is not responsible for how a website, a seller or Google carries out what you approved. Our liability in connection with these actions is limited as set out in Section 9 (Limitation of Liability), and this Section is governed by the laws of the Republic of Estonia as set out in Section 10 (Governing Law).

14. Currency Conversion & Financial Insights Disclaimer

The App allows you to select a preferred display currency for spending insights and financial summaries. The following disclosures apply:

Indicative Rates Only: Exchange rates used to convert transaction amounts into your preferred display currency are indicative approximations, not live or official rates. They are sourced from publicly available reference data and are updated periodically, not in real time.
Currency Volatility: Foreign exchange rates fluctuate continuously. The displayed converted amounts may not reflect the actual rate at which a transaction was processed by your bank, card network, or payment provider, and may differ substantially during periods of high market volatility.
Multi-Currency Consolidation: When transactions across multiple currencies are consolidated into a single display currency total (e.g., spending patterns, category summaries), the resulting figure is an estimate. YukiSoftware OÜ does not guarantee the accuracy of such consolidated totals.
Refund Amounts: Refund transactions detected from emails are recorded with negative amounts. The refund amount displayed is an AI-extracted estimate and may not match the exact amount credited to your account.
Not Financial Advice: Currency-converted figures are provided for informational and organizational purposes only. They do not constitute financial, tax, or investment advice. You should consult your bank statements, card issuer, or a qualified financial professional for authoritative transaction records.
Bank Connections: Where offered, a bank connection is read-only: Yuki cannot make payments or move money. Balances and transactions are shown as your bank reported them at the last refresh (while your consent lasts, at least about once a day); they may be delayed or incomplete, and your bank's own records prevail. The connection is provided by Enable Banking Oy under its own licence and terms. Your consent lasts as long as your bank allows (at most 180 days), and you can end it at any time by disconnecting the bank in the App or at your bank. Current and savings balances count towards your net worth unless you switch an account off; card and loan balances are shown as debts.
No Liability: YukiSoftware OÜ is not liable for any financial decisions made based on currency-converted figures displayed in the App.

15. International Use & Regional Compliance

The App is designed for use worldwide. By using the App, you acknowledge and agree:

Compliance with Local Laws: You are solely responsible for ensuring your use of the App complies with local laws and regulations in your jurisdiction.
Service Availability: Certain features may not be available in all regions due to local regulations, payment processor restrictions, or third-party service limitations.
Export Controls: You agree not to use the App in violation of any applicable export control laws.
Content Restrictions: Some content or recommendations may be filtered or unavailable based on regional requirements.

Regional Notices:

Russia: By using the App in Russia, you acknowledge that your data may be processed outside the Russian Federation in accordance with applicable data localization requirements.
Middle East (UAE, Saudi Arabia, etc.): Users in the Middle East acknowledge that certain features involving financial tracking are for personal organization only and do not constitute financial advice regulated under local financial authorities.
India: Users in India acknowledge that disputes shall first be resolved through mediation before escalation to courts, in accordance with the Information Technology Act, 2000.
China: Users in mainland China acknowledge that certain Google-based features may have limited functionality due to local network restrictions.

16. Indemnification

You agree to indemnify, defend, and hold harmless YukiSoftware OÜ, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including legal fees) arising out of or in any way connected with: (a) your access to or use of the App; (b) your violation of these Terms; (c) your violation of any third-party rights; or (d) any content you submit or share through the App.

17. Force Majeure

YukiSoftware OÜ shall not be liable for any failure or delay in performing our obligations due to circumstances beyond our reasonable control, including but not limited to: natural disasters, war, terrorism, sanctions, government actions, internet or telecommunications failures, cyberattacks, pandemics, or third-party service outages.

18. Severability

If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

19. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and YukiSoftware OÜ regarding the App and supersede all prior agreements, understandings, and communications.

20. Acceptable Use & Your Responsibility

Yuki is a personal organization tool. You are solely responsible for the tasks, reminders, lists, events, and other content you create and for how you use the App. You must not use Yuki for any unlawful, harmful, or dangerous purpose, or to plan, facilitate, or record activities that are illegal or that could harm yourself or others. Yuki does not review, endorse, or take responsibility for user-created content or how the App is used, and disclaims all liability arising from such use or misuse, subject to and as limited by Section 9 (Limitation of Liability).

21. No Professional Advice

Yuki does not provide legal, medical, financial, tax, safety, or other professional advice. Content and AI suggestions are provided for general organizational purposes only. For any such matters, you should consult a qualified professional. This complements the "Not Professional Advice" disclaimer in Section 3.

22. AI & Automated Features; Accuracy

Yuki uses AI and automated extraction to generate suggestions and to detect information such as flight times, bookings, expenses, dates, and reminders. This information may be inaccurate, incomplete, or out of date and is provided "as is." You must independently verify any important detail (e.g., flight and travel times, reservations, amounts, dates) with the original source or provider before relying on it. Yuki is not liable for any loss arising from reliance on AI-generated or auto-detected information. This section supplements Section 3 (AI Disclaimer, Auto-Sync & Accuracy) and is subject to Section 9 (Limitation of Liability).

23. Third-Party Links & Affiliates

Yuki may show links to third-party services (e.g., flight and hotel search). Some are affiliate links from which Yuki may earn a commission at no extra cost to you. Third-party services are governed by their own terms and privacy policies; Yuki is not responsible for them. See Section 12 for further detail on affiliate links and partner sites.

24. Trademarks & Event Information (incl. FIFA World Cup)

Yuki is an independent app and is not affiliated with, endorsed by, authorized by, or sponsored by FIFA, any football association, broadcaster, team, or competition organizer. "FIFA World Cup," team names, and related marks are the property of their respective owners and are used for identification only. Match schedules and times are provided for personal calendar planning, may change, and should be confirmed with official sources. Such schedule and event information is provided "as is" and is subject to Section 9 (Limitation of Liability).

25. Contact

YukiSoftware OÜ Registry Code: 17417945 Harju maakond, Tallinn, Kesklinna linnaosa, Uus-Sadama tn 21-207, 10120 Email: [email protected]