Terms & Conditions

1. Acceptance of Terms

By accessing or using KoKo Finance ("KoKo," "we," "our," or "us"), you agree to be bound by these Terms & Conditions. These terms apply to all users of our website, API, MCP (Model Context Protocol) servers, data products, and related services. "You" refers to any individual, company, or entity accessing our services in any capacity.

2. Description of Services

KoKo Finance provides credit card data, analytics, and decision-support tools through multiple channels:

2.1 Consumer Services

• Card Search & Discovery: Search and explore credit card offers from various issuers
• AI-Powered Insights: Conversational analysis and recommendations based on card features and your stated preferences
• Comparison Tools: Side-by-side comparison of credit card features, costs, and value
• Portfolio Management: Track and optimize your credit card portfolio

2.2 Platform Services (API & MCP)

• REST API: Programmatic access to credit card data, card terms, and value calculations
• MCP Servers: Integration with AI assistants and platforms via the Model Context Protocol
• Embeddable Tools: Card comparison, value analysis, and recommendation capabilities for integration into third-party applications

2.3 Data Products

• Structured Card Data: Curated credit card product information including benefits, fees, rewards structures, and card terms
• Proprietary Analytics: Derived metrics and calculations including card value assessments, comparative analyses, and market benchmarks
• Historical Data: Change tracking and historical records of credit card product modifications over time

3. Service Tiers and Access

KoKo services are available under the following tiers. Your rights and obligations depend on which tier applies to your use:

3.1 Consumer (Free)

Access to the KoKo website and consumer-facing tools for personal, non-commercial use. Data and recommendations are for your individual informational purposes only.

3.2 Platform Access (API & MCP Subscription)

Programmatic access to KoKo data and tools for use within your own products and services. Subject to your subscription plan's rate limits, usage quotas, and permitted use cases. You may display KoKo data to your end users but may not resell, sublicense, or redistribute raw data feeds to third parties.

3.3 Data Licensing

Bulk access to KoKo datasets, historical records, and proprietary analytics for internal business use including research, analysis, and reporting. Data licensing customers may use KoKo data within their organization and in deliverables to their clients, subject to the restrictions in Section 10. Specific licensing terms, data scope, delivery format, and permitted redistribution are defined in your data licensing agreement.

3.4 Enterprise Agreements

For use cases requiring custom terms — including expanded redistribution rights, dedicated data feeds, custom analytics, or SLA guarantees — KoKo offers enterprise agreements negotiated on a per-customer basis. Enterprise terms supersede these general Terms & Conditions where they conflict. Contact team@kokofinance.net for enterprise inquiries.

4. Informational Purpose Only — Not Financial or Investment Advice

This disclaimer applies regardless of your service tier. Whether you access KoKo as a consumer, through our API, or via a data license, our data and analytics do not constitute financial advice, investment advice, or a recommendation to buy, sell, or hold any financial product or security.

5. No Affiliation with Card Issuers

KoKo is an independent platform. We are:

• NOT affiliated with, endorsed by, or sponsored by any credit card issuer or financial institution
• NOT responsible for the accuracy of card information as published by issuers
• NOT liable for changes to card terms, fees, or benefits made by issuers

Always verify card details directly with the issuer before making any decisions.

6. Data Sources, Accuracy, and Methodology

6.1 Data Sources

KoKo data is compiled from publicly available sources including card issuer websites, regulatory filings, and other published materials. All data undergoes a curation and validation process that includes automated collection, manual review, and verification against primary sources.

6.2 Data Freshness

We maintain regular refresh cycles for our data. However:

• Card issuers may change product terms at any time without notice to us
• There may be a delay between when an issuer changes terms and when our data reflects that change
• Refresh frequency varies by data type and is not guaranteed on any fixed schedule
• Timestamps indicating when data was last verified are included where available

6.3 Proprietary Analytics and Derived Data

KoKo produces proprietary derived metrics and calculations, including but not limited to value assessments, comparative analyses, break-even estimates, and market benchmarks. These calculations:

• Are based on proprietary methodology and assumptions developed by KoKo
• May differ from calculations produced by other sources using different assumptions
• Are provided as analytical tools and do not represent guarantees of actual value or outcomes
• May be updated as our methodology evolves

Details of our calculation methodology and specific assumptions are available to data licensing and enterprise customers under appropriate confidentiality agreements.

6.4 No Warranty of Accuracy

Despite our curation efforts, we do not warrant that any data — whether sourced, curated, or derived — is accurate, complete, current, or error-free. Users of all service tiers are responsible for independently verifying any data before relying on it for decisions of any kind.

7. User and Customer Responsibilities

7.1 All Users

When using any KoKo service, you agree to:

• Use the service for lawful purposes only
• Provide accurate information when creating accounts or profiles
• Not attempt to manipulate, hack, or misuse our platform
• Independently verify data before relying on it for any decision

7.2 Platform Access Customers (API & MCP)

In addition to the above, platform customers agree to:

• Comply with rate limits and usage quotas associated with your subscription plan
• Not resell, sublicense, or redistribute raw KoKo data feeds to third parties
• Not use automated means to exceed your plan's access limits
• Maintain the security of your API credentials and access tokens
• Attribute KoKo as the data source when displaying our data to your end users, unless otherwise agreed

7.3 Data Licensing Customers

In addition to Section 7.1, data licensing customers agree to:

• Use data only within the scope defined in your data licensing agreement
• Not represent KoKo data or analytics as your own proprietary work
• Include appropriate disclaimers when redistributing KoKo data or derived analytics to your clients, including that such data is for informational purposes only and does not constitute financial or investment advice
• Not use KoKo data as the sole basis for investment decisions or recommendations
• Notify KoKo promptly if you become aware of any data quality issues

8. Disclaimer of Warranties

All KoKo services, data, and analytics are provided "AS IS" and "AS AVAILABLE" without warranties of any kind, either express or implied, including but not limited to:

• Accuracy, completeness, timeliness, or reliability of any data or analytics
• Fitness for a particular purpose, including but not limited to investment research, trading, or financial decision-making
• Uninterrupted, timely, or error-free access to any service, API, or data feed
• That derived metrics or calculations will produce results consistent with other methodologies or data sources

No KoKo employee, agent, or representative is authorized to make any warranty on our behalf beyond what is stated in these terms or in a signed enterprise agreement.

9. Limitation of Liability

To the fullest extent permitted by law:

• KoKo is NOT liable for any financial losses, investment losses, or damages of any kind resulting from use of our services, data, or analytics
• We are NOT responsible for decisions made by you or your clients based on KoKo data, whether in whole or in part
• We are NOT liable for inaccurate, outdated, or incomplete data, including data that was accurate at the time of delivery but subsequently changed
• We are NOT responsible for credit card application outcomes or for any actions taken by card issuers
• In no event shall KoKo's total liability exceed the fees paid by you to KoKo in the twelve (12) months preceding the claim

10. Intellectual Property and Data Rights

10.1 KoKo Ownership

All KoKo content, data, analytics, methodology, software, and branding are the property of KoKo Finance or its licensors and are protected by copyright and intellectual property laws. This includes:

• Our curated and structured credit card datasets
• Proprietary derived metrics, calculations, and analytical methodology
• Historical change tracking data
• Software, APIs, and platform infrastructure
• All text, graphics, logos, and design elements

10.2 What You May Do

• Consumer users: View and use data for personal, non-commercial purposes
• Platform customers: Display KoKo data within your products to your end users, per your subscription terms
• Data licensing customers: Use and incorporate KoKo data in your research, analysis, and client deliverables, per your licensing agreement

10.3 What You May Not Do

• Resell or redistribute raw KoKo data feeds without a data licensing agreement
• Represent KoKo data, analytics, or methodology as your own proprietary work
• Scrape, crawl, or use automated means to extract data from our website outside of authorized API access
• Reverse engineer our proprietary calculations or methodology
• Use our branding or trademarks without written authorization
• Create a competing data product substantially derived from KoKo data

11. External Links

KoKo may contain links to credit card issuer websites and other third-party sites:

• We make reasonable efforts to ensure accuracy of external links, but we are NOT responsible for the content or practices of external sites
• Clicking on external links is at your own risk
• Review the terms and privacy policies of any sites you visit

12. Privacy

Your use of KoKo is also governed by our Privacy Policy. Please review it to understand how we collect, use, and protect information.

13. Changes to Terms

We reserve the right to modify these Terms & Conditions at any time. Changes will be effective immediately upon posting. We will make reasonable efforts to notify platform and data licensing customers of material changes. Your continued use of KoKo after changes constitutes acceptance of the modified terms.

14. Termination

We reserve the right to:

• Suspend or terminate access to any KoKo service for any user or customer who violates these terms
• Discontinue any service, API, or data product at any time with reasonable notice to affected paying customers
• Revoke API credentials or data access for misuse, non-payment, or breach of terms

Upon termination of a paid subscription or data license, your right to access and use KoKo data ceases. You must discontinue use of any KoKo data in your products or deliverables within thirty (30) days of termination, unless otherwise specified in your agreement.

15. Governing Law

These Terms & Conditions are governed by the laws of the Commonwealth of Virginia, USA. Any disputes shall be resolved in accordance with applicable law in the courts of Virginia.

16. Contact Us

If you have questions about these Terms & Conditions:

• Email: team@kokofinance.net
• Website: Contact Form

For enterprise, data licensing, or partnership inquiries, contact us at team@kokofinance.net.