Effective Date: 1 June 2025 Last Updated: 1 June 2025
By downloading, installing, or using Dioko (the "App"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, do not use the App.
These Terms constitute a legally binding agreement between you ("User", "you") and The Digital Bubble ("we", "us", "our"), the developer of Dioko.
Dioko is a personal finance tracking application for iOS that allows users to record expenses and income, view financial summaries, and manage personal financial data locally on their device. The App is designed for personal, non-commercial use.
You must be at least 13 years of age to use Dioko. By using the App, you represent and warrant that you meet this requirement.
If you are under 18, you should review these Terms with a parent or guardian before using the App.
To use the full features of the App, you must create an account by providing a valid email address and password. You are responsible for providing accurate information and for keeping your credentials secure.
You are solely responsible for maintaining the confidentiality of your password and for all activity that occurs under your account. You agree to notify us immediately if you suspect any unauthorised use of your account.
Accounts are for individual, personal use only. You may not create accounts on behalf of others without their consent.
You agree to use Dioko only for lawful purposes and in accordance with these Terms. You agree not to:
Dioko is a personal finance tracking tool. It is not a financial advisory service.
The App does not provide financial advice. The calculations, summaries, totals, and projections displayed within the App are for informational and organisational purposes only. They are based solely on the data you manually enter and should not be relied upon for investment decisions, tax filings, loan applications, or any other formal financial purpose.
You should consult a qualified financial adviser, accountant, or other professional for advice specific to your circumstances.
We make no representation or warranty as to the accuracy, completeness, or suitability of any financial information generated by the App.
The App, including its design, code, graphics, and all associated intellectual property, is owned by The Digital Bubble and is protected by applicable intellectual property laws.
We grant you a limited, non-exclusive, non-transferable, revocable licence to use the App on your personal Apple devices for personal, non-commercial purposes, subject to these Terms and the Apple App Store Terms of Service.
You may not copy, reproduce, distribute, publish, display, or create derivative works from any part of the App without our prior written consent.
You retain full ownership of all financial data and personal information you enter into Dioko. We make no claim to ownership of your data.
The App displays advice sourced from the public adviceslip.com API. This is a third-party service over which we have no control. We are not responsible for the availability, accuracy, or content of any third-party service.
The App is distributed through the Apple App Store, which is subject to Apple's own terms and conditions. Apple is not a party to these Terms and has no obligation to provide support or handle claims relating to the App.
All data you enter into Dioko is stored locally on your device. We strongly encourage you to use the Export feature regularly to maintain a backup of your financial data.
We are not responsible for any loss of data resulting from:
Dioko does not currently offer cloud synchronisation. Your data is not automatically backed up to any external server. If you change devices, you must use the Export and Import features to transfer your data.
The App is provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.
We do not warrant that:
To the fullest extent permitted by applicable law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of data, loss of profits, or financial loss arising from:
Our total liability to you for any claim arising from or relating to these Terms or your use of the App shall not exceed the amount you paid for the App (if any).
Nothing in these Terms excludes, restricts, or modifies any guarantee, right, or remedy that you have under the Australian Consumer Law or any other consumer protection legislation that cannot lawfully be excluded. Where such legislation applies, our liability is limited to the extent permitted by law.
You agree to indemnify and hold harmless The Digital Bubble from and against any claims, damages, losses, costs, and expenses (including legal fees) arising from your use of the App, your violation of these Terms, or your violation of any third-party rights.
You may stop using the App at any time by uninstalling it from your device. Uninstalling the App will permanently delete all locally stored data.
We reserve the right to discontinue, suspend, or modify the App at any time without notice. We have no obligation to maintain, update, or support the App.
We may release updates to the App from time to time via the Apple App Store. Updates may change, add, or remove features. Continued use of the App after an update constitutes your acceptance of any changes. We recommend keeping the App updated to the latest version.
We may update these Terms from time to time. We will update the "Last Updated" date at the top of this document when changes are made. Your continued use of the App following any changes constitutes your acceptance of the revised Terms.
For material changes, we will make reasonable efforts to notify you within the App or through the App Store update notes.
These Terms are governed by the laws of New South Wales, Australia, without regard to its conflict of law principles.
Any dispute arising from or relating to these Terms or your use of the App shall first be addressed informally by contacting us. If a dispute cannot be resolved informally within 30 days, it shall be submitted to the courts of New South Wales, Australia, and you consent to the exclusive jurisdiction of those courts.
If any provision of these Terms is found to be invalid or unenforceable, that provision will be modified to the minimum extent necessary to make it enforceable, or severed if modification is not possible. The remaining provisions will continue in full force and effect.
These Terms, together with our Privacy Policy, constitute the entire agreement between you and The Digital Bubble regarding your use of Dioko and supersede all prior agreements, representations, or understandings.
For questions, concerns, or feedback regarding these Terms, please contact: support@thedigitalbubble.com.