Kanjo — Terms of Service

Last updated: July 13, 2026 · Version 2026-07-13

These Terms of Service ("Terms") govern your use of Kanjo — a cash-flow and cost-of-goods-sold (COGS) application for owners of restaurants, bakeries, bars, and similar food-and-service businesses — including the mobile application, the getkanjo.com websites, and related tools (together, the "Service"). The Service is published by Cognitive Fab LLC ("Kanjo," "we," "us," or "our"). By creating an account, subscribing, or using the Service, you agree to these Terms. If you do not agree, do not use the Service.

In short: Kanjo is a decision-support tool that helps you see where your money goes. It is not accounting, bookkeeping, tax, or payroll software, and the numbers it produces must never be used for tax filings, financial statements, or any other filing. Its figures are best-effort estimates built from bank feeds, scanned documents, and heuristics — expect small deviations, and review anything that matters.

1. What the Service is — and is not

Kanjo aggregates information from several sources — bank transactions retrieved through Plaid, receipts and invoices you scan, sales channel deposits, and categorization rules and filters — to give you a practical, directional picture of your revenue, costs, and cash position.

The Service is for informational and operational decision-support purposes only. It is not, and does not replace, professional accounting, bookkeeping, tax preparation, payroll administration, or financial, legal, or investment advice. In particular, you agree that you will not use amounts, totals, categorizations, or reports produced by Kanjo:

for tax returns or tax filings of any kind (income, sales and use, excise, payroll, or otherwise);
for financial statements, audits, loan applications, or investor reporting;
for any regulatory, government, or legal filing; or
as a substitute for your books of record or the advice of a qualified accountant or tax professional.

The amounts shown depend on too many variables — the data sources you connect, the documents you scan, the filters and categorization rules in effect, and optical character recognition (OCR) — to achieve the level of accuracy those uses require. They also depend on completeness: if you scan all of your receipts and invoices, the picture is fuller; if you scan only a few, totals and trends will reflect only what you provided. Always work from source documents and a qualified professional for anything you file.

2. OCR and data extraction — best effort

Receipt and invoice scanning is provided on a best-effort basis. Real-world documents are complex — discounts, credits, quantity and packaging formats (cases, packs, weights), multi-page invoices, cumulative running totals, handwriting, and print quality all affect extraction. In our experience, roughly 5% of extracted data points may need correction for these reasons.

Curate your data. The Service includes tools to review and correct extracted values — fixing a misread quantity, editing a line item, or excluding a bad data point from price tracking. We recommend reviewing extracted documents, especially large or unusual invoices.
You do not have to curate everything. Kanjo is designed to be useful without perfect data — totals and trends tolerate small deviations. But the less you review, the more the figures should be treated as approximations.
Uncorrected data propagates. A misread value flows into the totals, price trends, and reports built on it until you correct or exclude it.

3. Assumptions and heuristics

Several features rely on stated assumptions and pattern-matching heuristics. They are useful defaults, not guarantees. For example:

Payroll detection assumes paychecks fall within the amount range you configure and land on a fairly regular rhythm. This works best with a payroll service that produces consistent checks (for example, ADP or similar), or with equivalent discipline when you write checks manually. Irregular amounts or timing can be missed or misclassified.
Transaction categorization (rent, utilities, insurance, supplies, COGS, and so on) combines your explicit choices with keyword and rule heuristics. Heuristics can be wrong; your explicit categorizations always win, and you should correct miscategorized transactions that matter to you.
Bank data is provided as-is by your financial institution through Plaid. Posting dates, pending states, descriptions, and settlement timing are outside our control, and forecasts built on them are estimates.
Benchmarks, market data, and forecasts (such as area price trends, wage benchmarks, or cash-flow projections) are statistical estimates for context only.

4. Your responsibilities

Provide accurate account information and keep your credentials and your device secure. If you enable Kanjo's recovery phrase or book encryption, keep your recovery phrase safe — we cannot recover encrypted data without it.
Review figures before relying on them for significant decisions, and maintain independent books and records for your business.
Only connect bank accounts and upload documents you are authorized to access.
Use the Service for lawful business purposes in accordance with these Terms.

5. Eligibility and accounts

The Service is intended for business use by persons 18 years or older. You are responsible for all activity under your account. If you share access with team members, you are responsible for their use of your business's data within the Service.

6. Subscriptions, trials, and billing

Free trial. New accounts may include a 30-day free trial. When you save a payment card during the trial, nothing is charged that day — billing begins automatically when the trial ends, and we email you about 3 days before the first charge.
Billing cycles. Plans are billed monthly or annually, depending on the plan and your location. Prices are shown before checkout; applicable sales tax (for example, Washington state sales tax) is added where required.
Renewal and cancellation. Subscriptions renew automatically until canceled. You may cancel at any time in the app; you keep access through the period already paid. Except where required by law, fees are non-refundable once a period has been charged.
Failed payments. If a renewal charge fails, we retry over a grace window and notify you. Continued failure suspends paid features until a valid card is on file.
Availability. The Service (or particular billing cycles) may be unavailable in some states or cities for tax-compliance reasons. Plan pricing and features may change; changes apply from your next billing period, and we will notify you of material changes in advance.

7. Third-party services

The Service depends on third parties: Plaid (bank connections), Finix (payment processing — your card details are tokenized and never touch our servers), cloud infrastructure providers, and OCR/AI providers used to extract data from documents you scan. Their availability and accuracy are outside our control, and your use of bank connections is also subject to Plaid's terms. Outages or changes at these providers can affect the Service.

8. Your data and privacy

Your business data belongs to you. Kanjo is local-first: your financial data lives encrypted on your device, with an encrypted recovery copy in the cloud. How we collect, use, and protect information is described in our Privacy Policy, which is part of these Terms. You can export or delete your data as described there.

9. Acceptable use

You agree not to: misuse, probe, or disrupt the Service; attempt to access other users' data; reverse-engineer or resell the Service; upload unlawful content or documents you have no right to process; or use automated means to scrape or overload the Service.

10. Intellectual property

The Service, including its software, design, and content (but excluding your data), is owned by Cognitive Fab LLC and protected by applicable intellectual property laws. We grant you a limited, non-exclusive, non-transferable license to use the Service for your business while your account is in good standing.

11. Disclaimer of warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT. WITHOUT LIMITING THE FOREGOING, WE DO NOT WARRANT THAT FIGURES, EXTRACTIONS, CATEGORIZATIONS, OR FORECASTS PRODUCED BY THE SERVICE ARE ACCURATE, COMPLETE, OR SUITABLE FOR ANY ACCOUNTING, TAX, OR FILING PURPOSE, OR THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE.

12. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, COGNITIVE FAB LLC WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST DATA, TAX PENALTIES, INTEREST, OR FINES ARISING FROM RELIANCE ON FIGURES PRODUCED BY THE SERVICE. OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE SERVICE IS LIMITED TO THE AMOUNT YOU PAID US FOR THE SERVICE IN THE TWELVE (12) MONTHS BEFORE THE CLAIM AROSE. SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.

13. Indemnification

You will indemnify and hold harmless Cognitive Fab LLC from claims arising out of your use of the Service in violation of these Terms, your use of Kanjo figures in filings or statements contrary to Section 1, or your violation of applicable law or third-party rights.

14. Termination

You may stop using the Service and cancel your subscription at any time. We may suspend or terminate access for breach of these Terms, non-payment, or where required for legal or security reasons. Sections that by their nature should survive (including Sections 1, 11, 12, 13, and 15) survive termination.

15. Governing law and disputes

These Terms are governed by the laws of the State of Washington, USA, without regard to conflict-of-law rules. Any dispute will be resolved in the state or federal courts located in King County, Washington, and you consent to their jurisdiction. To the extent permitted by law, each party waives any right to a jury trial and agrees claims may be brought only individually, not as a class action.

16. Changes to these Terms

We may update these Terms from time to time. The "last updated" date and version above reflect the most recent revision, and material changes will be communicated within the application or by email before they take effect. Continued use of the Service after changes take effect constitutes acceptance.

17. Contact us

Questions about these Terms:

Cognitive Fab LLC
9838 NE 122nd St, #Q202, Kirkland, WA 98034
Tel: 425.532.9561
Email: hello@getkanjo.com