Terms of use

Last updated 15 August 2026

Using Kinsum means agreeing to what is below. It is short because the product is narrow: Kinsum writes down what a household earns, spends and plans, and does nothing else.

What Kinsum is

A record and a plan. It shows a household its own figures, arranges them by month, and works out what those figures imply — how much is safe to spend, when a goal finishes, which bills are still to come.

What Kinsum is not

• It is not financial advice. Nothing in the app is a recommendation to buy, sell, borrow, save or invest, and nothing in it is provided by a regulated adviser. A suggestion read from your own figures is an observation about those figures, and the decision that follows it is yours.
• It does not move money. Kinsum holds no funds, makes no payments, opens no accounts and initiates no transfers. Marking a bill as paid records that you paid it; it does not pay it.
• It is not your bank’s record. Figures shown here can be wrong — a bank feed can lag, a photographed receipt can be misread, and anything typed can be mistyped. Where Kinsum and your bank disagree, your bank is right.

Getting in, and staying in

Kinsum is invite-only while it settles, and access is granted at our discretion: joining the waiting list is a request, not an entitlement, and no place in a queue is promised. Access can be withdrawn if the service is being used in a way that damages it or somebody else, and you will be told when that happens and given a way to take your data with you.

You sign in with a link sent to your email, so keeping that mailbox secure is what keeps your household secure. Anyone who can read it can reach your figures.

Your household, and the people you invite

Inviting someone into your family space gives them sight of that household’s figures and, depending on the role you give them, the ability to change them. Only invite people you mean to share money with. What you enter about other people in your household — including children — is entered on your own responsibility.

What you agree not to do

Use Kinsum for anything unlawful, attempt to reach another household’s space, work around the invitation system, or put load on the service beyond what one household’s use looks like.

What you keep

Your figures remain yours. Kinsum stores and processes them in order to show them back to you and to do the arithmetic the app performs, and for nothing else. See the privacy page for what that involves and how to have it all deleted.

Availability, and the state of the thing

Kinsum is early and is offered as it is. It is not promised to be uninterrupted, error-free or permanently available, and features can change. Reasonable care is taken with your data and with keeping it available — but keep your own record of anything you cannot afford to lose, as you would with any young product.

To the extent the law allows, Kinsum is not liable for financial loss arising from decisions made using it, from figures that turned out to be wrong, or from the service being unavailable. Nothing here limits liability that cannot lawfully be limited.

Bank connections

Connecting an account is optional and is done through Plaid, whose own terms apply to that connection. Kinsum receives balances and transaction history and never your bank credentials. Disconnecting an account in the app ends that access.

Ending it

Stop using Kinsum whenever you like. To have the household and everything in it deleted, write to hello@kinsum.co from the address you sign in with.

Changes to these terms

If these change in a way that matters, the date at the top changes and the families using Kinsum are emailed. Continuing to use the app after that is how the new version is accepted.

Getting in touch

hello@kinsum.co, read by a person.