The deal.

Your account

You need to be 18+ and a resident of the United States, Canada, or the United Kingdom to use Kinshi. One account per person. Don't share your login. If you suspect your account has been accessed without your permission, email security@kinshi.app.

Acceptable use

Use Kinshi for your own personal financial life. Don't:

• Try to break into other accounts
• Scrape, reverse-engineer, or build competing products from the API
• Use Kinshi to launder money or hide transactions from a court order
• Submit fake transaction data to manipulate the AI

If you do, we close your account and may report it to authorities.

Subscription + billing

Kinshi is a subscription. Pricing is on the pricing page. We charge in advance via Stripe. Renewal is automatic on the same day each month or year, depending on your plan. We email you 7 days before annual renewal so there are no surprises.

Tax may be added depending on where you live.

Cancellation + refunds

Cancel anytime in Settings → Subscription. You keep access until the end of your current billing period. We don't pro-rate mid-cycle refunds for monthly plans. For annual plans, we refund unused months if you cancel within 30 days of renewal — beyond that, you ride out the year.

If a payment fails, we email you and retry over 3 days before suspending. We don't lock your data; export is always available.

Your data

Your transactions, briefs, chat history, and settings are yours. See the privacy policy for full details. Short version: you can export or delete it anytime, we don't sell it, and we never see your bank credentials (Plaid handles that).

AI-generated content

Kinshi's responses are generated by an AI (Google's Gemini, currently). The AI is good but not perfect. Don't make financial decisions based solely on a Kinshi message — verify the underlying transactions, ask a professional for high-stakes calls. Specifically:

• Anomaly alerts may be false positives. Read before disputing.
• Forecasts are projections, not guarantees.
• "Safe to spend" is computed from your data — your real situation may be different.

We're not liable for decisions you make based on AI output. Use it as a sharp tool, not a crystal ball.

Service availability

We aim for 99.9% uptime but don't guarantee it. Plaid sometimes has outages that prevent transaction syncing — we can't control that. Push notifications depend on Apple's infrastructure for iOS. If Kinshi is down for an extended period (more than 24 hours), credits to your account are at our discretion; for annual subscribers, write us — we'll be reasonable.

Liability + warranties

To the maximum extent permitted by law, Kinshi is provided "as is." We're not liable for indirect, incidental, or consequential damages from using the service. Our total liability for any direct damages is capped at the amount you paid in the prior 12 months.

None of this overrides rights you have under your local consumer law (e.g., implied warranties that can't be disclaimed in your state).

Changes to these terms

If we change these terms, we'll email you at least 30 days before they take effect. If you don't agree, you can cancel and download your data. Changes never apply retroactively.

Governing law

Kinshi is operated by a corporation incorporated in British Columbia, Canada. These terms are governed by the laws of the Province of British Columbia and the federal laws of Canada applicable there. Any disputes are resolved in the courts of Vancouver, British Columbia. If a court finds part of these terms unenforceable, the rest still applies. Nothing in this section limits the consumer-protection rights you have under the laws of your home country (US, Canada, or UK).

Last updated: April 19, 2026 · Version 3