KOFFR

Version v1.1.0

Terms of Service

Last Updated: September 21, 2026 Effective Date: September 21, 2026

Welcome to Koffr. These Terms of Service (“Terms”) form a binding agreement between you (“you” or “User”) and Koffr Inc., a Delaware corporation (“Koffr,” “we,” “us,” or “our”), governing your access to and use of the Koffr mobile application, website at koffr.ai, and related services (collectively, the “Service”).

PLEASE READ THESE TERMS CAREFULLY. They include important provisions, including a binding arbitration clause and class action waiver in Section 16, that affect your legal rights. By creating an account, accessing, or using the Service, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use the Service.

1. Eligibility

You must be at least 18 years old and a resident of the United States to use the Service. The Service is designed for U.S.-based W-2 employees and is not directed at residents of any other country. If you access the Service from outside the United States, you do so on your own initiative and are responsible for compliance with local laws. We make no representation that the Service is appropriate or available for use in any particular location.

By using the Service, you represent that (a) you meet the eligibility requirements above, (b) you have the legal capacity to enter into these Terms, and © your use of the Service will not violate any applicable law.

2. Not Financial, Tax, Legal, or Investment Advice

Koffr is an educational tool, not a financial, tax, or legal advisor, registered investment adviser, broker-dealer, certified public accountant, tax preparer, attorney, or fiduciary. The Service provides general educational information and hypothetical projections based on inputs you provide. It does not constitute, and is not intended as a substitute for, professional financial, tax, legal, accounting, or investment advice.

Outputs generated by the Service — including recommendations, projections, tax-savings estimates, and similar figures — are hypothetical illustrations based on assumptions, simplifications, the IRS rules we believe to be current as of the date shown, and the data you enter. They are not guarantees of future outcomes or actual tax savings, and they may not reflect your complete tax situation, recent law or guidance changes, your employer’s specific plan terms, market performance, or inputs you may have entered incorrectly.

Before acting on any output of the Service, you should consult a qualified professional (such as a CPA, tax advisor, or licensed financial adviser) who understands your individual circumstances. You are solely responsible for your own financial decisions. Koffr is not liable for any decision you make in reliance on the Service.

3. Account Registration

To access most features, you must create an account. You agree to (a) provide accurate, current, and complete information, (b) keep your credentials confidential, © promptly update your information if it changes, and (d) notify us immediately of any unauthorized use of your account. You are responsible for all activity that occurs under your account.

We may refuse, suspend, or terminate any account at our discretion, including for violation of these Terms.

4. Free and PRO Subscriptions

The Service offers a free tier and a paid “PRO” subscription that unlocks additional projections and features.

Pricing and billing. PRO subscriptions are billed through Stripe, our third-party payment processor. By subscribing, you authorize us (through Stripe) to charge your payment method the then-current subscription fee, plus any applicable taxes, on a recurring basis until you cancel. Current pricing is shown in the app at the time of purchase.

Auto-renewal notice and consent. YOUR PRO SUBSCRIPTION WILL AUTOMATICALLY RENEW AT THE END OF EACH BILLING PERIOD (MONTHLY OR ANNUALLY, AS SELECTED AT PURCHASE) AT THE THEN-CURRENT RATE. Your payment method will be charged automatically for each renewal period unless you cancel at least 24 hours before the renewal date. By subscribing, you expressly consent to this automatic-renewal arrangement.

How to cancel. You can cancel your PRO subscription at any time through your in-app account settings, through your Stripe customer portal (linked from the app), or, if you subscribed through the Apple App Store or Google Play, through your app store account settings. Cancellation will take effect at the end of your current billing period; you will continue to have PRO access until that date.

30-day refund guarantee. If you decide PRO is not right for you, contact us at support@koffr.ai within 30 days of the charge to request a full refund, no questions asked. This guarantee is in addition to any refund rights provided by applicable law. If you subscribed through the Apple App Store or Google Play, the store processes the refund through its own system; contact us if you need help with that request.

Price changes. We may change subscription prices. We will give you at least 30 days’ advance notice by email or in-app notice. Continued use of PRO after the change takes effect constitutes acceptance of the new price; if you do not agree, you may cancel before the change takes effect.

App store purchases. If you subscribe through the Apple App Store or Google Play, the applicable store’s terms and processing procedures also apply. Refunds are subject to the 30-day guarantee above, while the store processes the request through its own system. Cancellations and billing disputes are handled through the applicable store.

5. User Inputs and Data

To generate hypothetical projections, the Service collects information you enter, including filing status, salary, payroll details, retirement contribution figures, state of residence, age, and similar inputs (“User Inputs”). You represent that the User Inputs you provide are accurate to the best of your knowledge and that you have the right to provide them.

You retain ownership of your User Inputs. You grant Koffr a worldwide, non-exclusive, royalty-free license to use, store, process, transmit, and display the User Inputs solely as needed to operate, maintain, and provide the Service to you, and as further described in our Privacy Policy. This license does not include the right to use your User Inputs to train machine-learning models, build advertising profiles, or sell User Inputs to third parties, consistent with our Privacy Policy.

We do not connect to your bank, brokerage, payroll provider, or IRS account. The Service operates exclusively on the User Inputs you provide.

6. Acceptable Use

You agree not to:

7. Intellectual Property

The Service, including all software, content, calculations, recommendation logic, designs, text, graphics, and trademarks (other than User Inputs), is owned by Koffr or its licensors and is protected by U.S. and international intellectual property laws. Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your personal, non-commercial use.

“Koffr” and the Koffr logo are trademarks of Koffr Inc. You may not use them without our prior written consent.

8. Feedback

If you send us suggestions, ideas, or other feedback (“Feedback”), you grant us a perpetual, irrevocable, worldwide, royalty-free license to use the Feedback for any purpose without obligation or compensation to you.

9. Third-Party Services

The Service relies on third-party providers, including Stripe (payments), Firebase (authentication, database, and hosting), and the Apple App Store and Google Play (distribution). We are not responsible for third-party services, and your use of them is governed by their own terms and privacy policies.

The Service may also reference third-party financial products (such as 401(k) plans, IRAs, and HSAs) and tax rules. We do not endorse, sponsor, or have any relationship with the issuers, employers, or administrators of those products.

10. Tax Law and Calculation Updates

Tax rules, contribution limits, phase-out thresholds, and similar figures change over time. We make commercially reasonable efforts to keep the Service’s calculations current, but we do not guarantee that any figure, threshold, or rule reflected in the Service is accurate, complete, or up to date as of any given date. All IRS limits, thresholds, and rules reflected in the Service are based on our understanding of the law as of the date shown in the Service; they may not reflect mid-year changes, recent IRS guidance, state-specific rules, or your employer’s specific plan terms. You should verify all figures with the IRS, your plan administrator, or a qualified professional before acting.

11. Service Availability and Changes

We may modify, suspend, or discontinue any part of the Service at any time, with or without notice. We are not liable to you or any third party for any modification, suspension, or discontinuation. We do not guarantee that the Service will be available without interruption, error-free, or secure.

12. Termination

You may stop using the Service and delete your account at any time through the account settings or by emailing support@koffr.ai.

We may suspend or terminate your access to the Service at any time, with or without notice, for any reason, including if we believe you have violated these Terms. Upon termination, your right to use the Service ceases immediately. Sections that by their nature should survive termination (including Sections 2, 5, 7, 8, 13, 14, 15, 16, and 17) will survive.

13. Disclaimers

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, KOFFR DISCLAIMS ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

WITHOUT LIMITING THE FOREGOING, KOFFR DOES NOT WARRANT THAT (A) THE SERVICE WILL MEET YOUR REQUIREMENTS, (B) RECOMMENDATIONS, PROJECTIONS, OR CALCULATIONS WILL BE ACCURATE, COMPLETE, OR PRODUCE ANY PARTICULAR FINANCIAL OUTCOME, © THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (D) ANY ERRORS WILL BE CORRECTED, OR (E) THE OUTPUTS OF THE SERVICE WILL REFLECT YOUR COMPLETE TAX SITUATION, RECENT LAW CHANGES, OR YOUR EMPLOYER’S SPECIFIC PLAN TERMS.

Some jurisdictions do not allow the exclusion of certain warranties; in such jurisdictions, the above exclusions apply to the fullest extent permitted.

14. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, KOFFR AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUES, DATA, GOODWILL, TAX SAVINGS, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO YOUR USE OF (OR INABILITY TO USE) THE SERVICE, EVEN IF KOFFR HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

KOFFR’S TOTAL CUMULATIVE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID KOFFR IN THE 12 MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM OR (B) ONE HUNDRED U.S. DOLLARS ($100.00).

These limitations apply regardless of the legal theory (contract, tort, statute, or otherwise) and apply to the maximum extent permitted by law. Some jurisdictions do not allow the exclusion of certain damages; in those jurisdictions, our liability is limited to the maximum extent permitted.

15. Indemnification

You agree to defend, indemnify, and hold harmless Koffr and its officers, directors, employees, and agents from and against any claims, damages, liabilities, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or relating to (a) your User Inputs, (b) your use of the Service, © your violation of these Terms, (d) your violation of any law or third-party right, or (e) any decision you made in reliance on any output of the Service.

16. Dispute Resolution; Binding Arbitration; Class Action Waiver

PLEASE READ THIS SECTION CAREFULLY. IT REQUIRES YOU AND KOFFR TO RESOLVE DISPUTES THROUGH BINDING INDIVIDUAL ARBITRATION AND LIMITS HOW YOU CAN SEEK RELIEF.

Informal resolution. Before filing a claim, you agree to try to resolve the dispute informally by contacting us at legal@koffr.ai. If we cannot resolve the dispute within 60 days, either party may bring a formal proceeding as set forth below.

Binding arbitration. You and Koffr agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service (“Dispute”) will be resolved by binding individual arbitration administered by JAMS under its Streamlined Arbitration Rules, except that either party may bring an individual claim in small-claims court if the claim qualifies. The arbitration will be conducted by video or telephone, at your option, or in person in Delaware if you elect. The arbitrator’s decision will be final and binding.

Class action waiver. YOU AND KOFFR AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate more than one person’s claims and may not preside over any form of representative proceeding.

Opt-out. You may opt out of this arbitration agreement by sending written notice to legal@koffr.ai within 30 days of first accepting these Terms. Your notice must include your name, account email, and a clear statement that you are opting out of arbitration. Opting out does not affect any other provision of these Terms.

Exceptions. Either party may seek injunctive or equitable relief in court for claims involving intellectual property, unauthorized access, or violations of Section 6 (Acceptable Use).

Governing law. These Terms and any Dispute are governed by the laws of the State of Delaware, without regard to its conflict-of-laws principles. To the extent any Dispute is not subject to arbitration, the parties consent to the exclusive jurisdiction of the state and federal courts located in Delaware.

17. General

Entire agreement. These Terms and the Privacy Policy constitute the entire agreement between you and Koffr regarding the Service.

Changes to these Terms. We may update these Terms from time to time. If the changes are material, we will provide at least 30 days’ advance notice (such as by email or in-app notice) before they take effect, where reasonably practicable. Continued use of the Service after the effective date constitutes acceptance of the updated Terms.

Severability. If any provision of these Terms is held invalid or unenforceable, the remaining provisions remain in effect, and the invalid provision will be modified to the minimum extent necessary to make it enforceable.

No waiver. Our failure to enforce any provision is not a waiver of our right to do so later.

Assignment. You may not assign these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, or sale of assets.

Notices. We may give notices by email, by posting in the app, or by posting on our website. Notices to us must be sent to legal@koffr.ai, with a copy to: Koffr Inc., 300 Delaware Ave., Suite 210, Wilmington, DE 19801, United States.

Contact. Questions about these Terms? Email us at support@koffr.ai.

Koffr Inc. 300 Delaware Avenue Wilmington, DE 19801 United States support@koffr.ai