Master text in English (DE, FR, IT, ES, PT are translations). Version of 5 November 2026, in force since 5 November 2026.
These terms apply to the Kumbak app for Android (the "app") and to the website kumbak.app (together, the "service").
1. Who we are
Kumbak is operated as a self-employed secondary activity by a private individual based in Lugano, Switzerland. E-mail: team@kumbak.app
The operator's full name, postal address and telephone number are shown in the developer information of the Kumbak listing on Google Play.
"We" and "us" in these terms mean the operator. More details are in our Legal notice.
2. What Kumbak does
Kumbak helps you keep track of your purchases and of the deadlines that apply to them: withdrawal periods, legal warranty, manufacturer's warranty and store return policies. You can add purchases by hand, by scanning a receipt (the text is read on your phone), by sharing an e-mail or text to the app, or by importing a file exported from a store. Kumbak calculates deadlines, shows them in the app and can remind you before they expire.
Kumbak is independent. It is not a store, a seller or a party to any of your purchases, and it does not contact sellers on your behalf. Names and logos of stores are used only to identify them; Kumbak is not affiliated with or endorsed by them unless we say so.
3. General information only, not legal advice
Please read this section carefully.
Deadlines, legal periods, store policies, amounts and reminders shown by Kumbak are **general information, not legal advice**. They are calculated from rules we prepare with care and from the data you enter or import. Laws, court practice and store conditions change and individual cases differ; many values have not yet been reviewed by a lawyer. A calculated deadline can be wrong or may not apply to your purchase.
Before you rely on a deadline, check the law that applies, the seller's own terms and the data you entered. You alone decide whether and when to return a product, claim a refund or assert a warranty.
A reminder that is late, missing or wrong (for example because notifications are switched off, the phone is off or a value is wrong) does not extend any legal or contractual deadline.
4. Agreement
By confirming the notice on the welcome screen and using the app, you accept these terms. You can end this agreement at any time by deleting the app; a Premium subscription must be cancelled separately in Google Play (section 6.4). Google Play, Google Drive and Google AdMob are provided by Google under its own terms.
5. Your data stays on your phone
Kumbak has no user accounts. Your purchase data is stored on your phone, encrypted. We do not receive it and cannot restore it. If you delete the app, wipe its data or lose your phone without a backup, the data is lost.
With Premium you can make an encrypted backup to your own Google Drive. The backup is protected by a recovery key that only you have: if you lose the recovery key, neither you nor we can open the backup. Keep the key safe and check that your backups work.
How we handle personal data is explained in our Privacy policy.
6. Free version, advertising and Premium
6.1 Free version. Kumbak is free to use and shows advertising from Google AdMob. In the EU/EEA, the United Kingdom and Switzerland we ask for your consent first; you can change your choice at any time under Settings → "Privacy choices for ads".
6.2 What Premium includes. Premium removes advertising and lets you back up your data to Google Drive, as described on the Premium page of the app. Changes to Premium follow section 11.
6.3 Purchase through Google Play. Premium is a subscription sold through Google Play billing, monthly or yearly. The price, billing period and currency are shown on Google Play before you buy and may differ by country. Payment is handled by Google under the Google Play Terms of Service; we do not receive your payment details.
6.4 Renewal and cancellation. The subscription renews automatically at the end of each billing period at the same price, unless a price change was notified to you in advance through Google Play. You can cancel at any time in Google Play (profile → Payments and subscriptions → Subscriptions → Kumbak). Deleting the app does not cancel the subscription. After cancellation, Premium remains active until the end of the period already paid; you keep your data and can still restore an existing backup.
6.5 Right of withdrawal (EU/EEA and UK). If you live in the EU/EEA or the UK, you may withdraw from Premium within 14 days of purchase without giving reasons, through Google Play or by a clear statement to team@kumbak.app (please include your Google Play order number, which starts with "GPA."). Sending it before the period ends is enough. We will refund the full amount through Google Play within 14 days of receiving your statement.
6.6 Other refunds. Other refund requests are handled according to the Google Play refund policies. Your statutory consumer rights remain unaffected.
6.7 Complimentary codes. We may give out codes that unlock Premium free of charge. A code is personal and cannot be sold or exchanged for money. Premium from a code is not limited to a fixed period. It covers the Premium features we offer from time to time and ends if we discontinue Premium or the service (with at least 30 days' notice), if you breach these terms, or if the code was misused, shared publicly or obtained unlawfully. Limited codes work on up to two devices.
7. Using Kumbak
You may use Kumbak for your own personal purposes. You agree not to:
- use the service for any unlawful purpose or import data you are not entitled to use;
- interfere with the service or our servers, for example through automated mass requests;
- copy, sell or redistribute the app or our rule data, or decompile it beyond what the law allows;
- misuse purchases, codes or the subscription check.
Kumbak is not intended for children under 16.
8. Updates and availability
We update the app and its legal rules from time to time; some calculations depend on the latest rules downloaded from our server. We work to keep the service running, but we cannot guarantee that the service, its updates or the reminders are always available and free of errors. We may change, suspend or discontinue the service or individual features. We will give at least 30 days' notice in the app before discontinuing the service or Premium; we then stop renewals and refund, pro rata, any paid period you could no longer use.
9. Intellectual property
The app, the website, their texts, graphics and rule data are protected by copyright and belong to us or our licensors. We grant you a personal, non-exclusive, non-transferable right to use the app in accordance with these terms. The app uses open-source components under their own licences.
10. Liability
10.1 We are liable without limitation for intent and gross negligence, for injury to life, body or health, and wherever mandatory law provides so.
10.2 For slight negligence we are liable only for breach of an essential obligation (one that makes the contract possible and on which you may normally rely), and only for damage that was typical and foreseeable when the contract was made.
10.3 Otherwise, liability for slight negligence is excluded to the extent permitted by law, in particular for a deadline, period or reminder that is wrong, late or missing (section 3).
10.4 Your statutory consumer rights, including remedies for digital content or services that do not conform to the contract, are not affected.
11. Changes to these terms
We may change these terms for valid reasons: changes in law or court decisions, security, or new or changed features. The version in force is always published on this page with its date. We will inform you in the app at least 30 days before a change takes effect. If a change is to your disadvantage, you may cancel Premium before it takes effect and receive a pro-rata refund for any unused paid period.
12. Transfer
We may transfer this agreement to a company that takes over the operation of Kumbak. We will inform you in advance; you may then end the agreement and cancel Premium with a pro-rata refund for any unused paid period.
13. Applicable law and jurisdiction
Swiss law applies, excluding the UN Convention on Contracts for the International Sale of Goods (CISG). If you are a consumer, you also keep the protection of the mandatory laws of your country of residence, and you may bring proceedings in the courts of your place of residence or of Lugano. We can sue you only in your place of residence. The place of jurisdiction for non-consumers is Lugano, Switzerland.
If a provision of these terms is invalid, the rest remains in force.
Questions about these terms: team@kumbak.app.