Terms of Service

Last updated: 28 July 2026

1. Who we are

Krosos (the "Service") is operated by Vulpra Consulting SRL, a company registered in Belgium with company number 1027.151.509 ("we", "us"). You can reach us at support@krosos.com.

By creating an account or using the Service you agree to these terms.

2. The Service

Krosos is a personal net-worth tracking tool. It comes in two editions:

• Hosted. An account on our servers with its own isolated database. Your database is never stored alongside another customer's.
• Desktop. A licensed app that runs on your own computer and keeps your data there. Section 5 sets out the terms specific to it.

Both let you record assets and transactions, connect supported exchanges and wallets using read-only API keys, and view automatically updated prices and reports.

3. Your account

• You sign in with a Google account. You are responsible for keeping that account secure.
• You must be at least 18 years old and provide accurate information.
• An account is for the personal use of one person or one household. You may not resell the Service or provide it to third parties.
• Household sharing. On the hosted Service, the account owner can invite other Google accounts from Settings. Anyone added gets full access to everything in the ledger, including data entered before they joined, and can change and delete it. Only the owner can add or remove members, and removal takes effect within a few minutes. Adding someone takes effect without any confirmation step on their side, so only invite people you mean to give complete access, and make sure they know their address is being added. The owner remains responsible for the account and for what invited members do with it.

4. Trial, subscription and payment

• New subscriptions start with a 14-day free trial. You are not charged until the trial ends, and you can cancel during the trial at no cost; cancelling during the trial deletes your account and its data immediately.
• Plans and prices are listed on our pricing page. Subscriptions renew automatically (monthly or yearly) until cancelled.
• Payments are processed by Stripe, our merchant of record. Your purchase is also subject to Stripe's consumer terms. Tax (e.g. VAT) is included in the price where applicable.
• We may change prices with at least 30 days' notice; changes apply from your next renewal. If you don't agree, you can cancel before the renewal takes effect.
• Refunds are governed by our refund policy.

5. The desktop app

• The desktop app runs entirely on your own computer. Your ledger, its database and its encryption key stay on that machine. We do not host it, cannot read it, and do not back it up, so keeping your own backups is your responsibility.
• It starts with a 14-day free trial that needs no payment details. After the trial, a valid licence is required to keep adding or changing data. Reading and exporting stay available either way, so a lapsed licence never locks you out of data you already have.
• A licence is an annual subscription that renews automatically until cancelled, and is tied to the email address you bought it with. It covers one installation at a time; you can move it to another computer, but not run it on several at once.
• The licence grants you a personal, non-transferable right to use the app while it is valid. It is not a sale of the software. You may not share, resell or publish your licence key.
• Updates are provided while your licence is valid. We may stop publishing updates for older versions, or for operating systems we no longer support.
• Sections 6 to 8 (your data, acceptable use, and the accuracy and advice disclaimers) apply to the desktop app as well.

6. Your data and responsibilities

• You retain all rights to the data you store in your account. We process it only to provide the Service, as described in our privacy policy.
• When connecting exchanges or wallets, you must use read-only API keys. Never give the Service keys with trading or withdrawal permissions. You are responsible for the keys you create and for revoking them when no longer needed.
• You are responsible for the accuracy of data you enter manually and for complying with the terms of any third-party service (exchange, broker, wallet) you connect.
• You can export your complete database and delete all your data from within the product at any time.

7. Acceptable use

You may not:

• use the Service for anything unlawful, or to store data you have no right to hold;
• attempt to access other customers' accounts or data, or our infrastructure beyond your own account;
• probe, scan, overload or disrupt the Service, or circumvent its security or usage limits;
• reverse engineer the Service except where the law expressly permits it.

We may suspend accounts that violate these rules, with notice where reasonably possible.

8. Not financial advice; data accuracy

• Krosos is a tracking and reporting tool only. It does not provide financial, investment, legal or tax advice, does not recommend or execute transactions, and never holds, controls or transfers your assets.
• Prices, exchange rates and balances come from third-party sources and may be delayed, incomplete or wrong. Figures shown in the Service are indicative only. Always verify against your broker, exchange or bank before making decisions. We accept no liability for decisions made on the basis of data shown in the Service.

9. Availability and support

• We aim for high availability but provide the Service "as is" without a guaranteed uptime level. Maintenance, upgrades and circumstances beyond our control may cause interruptions.
• Your database is backed up nightly. Backups are a recovery measure, not an archival guarantee, so keep your own exports of data you cannot afford to lose.
• Support is provided by email at support@krosos.com on a reasonable-efforts basis.

10. Intellectual property

The Service, its software, design and branding remain our property (or that of our licensors). Your subscription grants you a personal, non-exclusive, non-transferable right to use the Service for its intended purpose while your subscription is active.

11. Term, cancellation and data retention

• You can cancel at any time via the billing portal. If you cancel during the free trial, your account, its database and its backups are deleted immediately and nothing is charged. If you cancel a paid subscription, your account remains active until the end of the paid period.
• If a renewal payment fails, we will notify you and retry. After a grace period of 7 days your account may be suspended (data preserved) until payment succeeds.
• After a paid subscription is cancelled, or after final non-payment, your account is kept for 30 days so you can export your data or reactivate. After that, the account, its database and its backups are permanently deleted.
• We may terminate the agreement with 30 days' notice (e.g. if we discontinue the Service), in which case we will refund any prepaid period beyond the termination date pro rata.

12. Liability

To the extent permitted by law, our total aggregate liability arising out of or related to the Service is limited to the amounts you paid us in the 12 months before the event giving rise to the claim, and we are not liable for indirect or consequential damages, loss of profits, or loss of data you could have prevented by using the export features.

Nothing in these terms excludes or limits liability that cannot be excluded under applicable law, including liability for fraud, intent, or, for consumers, your mandatory statutory rights under Belgian and EU consumer law.

13. Changes to these terms

We may update these terms. For material changes we will give at least 30 days' notice by email or in-product notice. If you do not agree with the changes, you may cancel before they take effect; continuing to use the Service after that constitutes acceptance.

14. Governing law and disputes

These terms are governed by Belgian law. Disputes are submitted to the courts of the judicial district of Walloon Brabant (Nivelles), Belgium. If you are a consumer in the EU, you also keep the protection of the mandatory provisions of the law of your country of residence, and you may use the European Commission's Online Dispute Resolution platform.

15. Contact

Vulpra Consulting SRL · Belgium
Company number: 1027.151.509 · VAT: BE 1027.151.509
support@krosos.com