Terms of Service

Access to the Application is reserved for adult natural persons (aged at least 18) with full legal capacity, as well as for legal entities duly constituted and represented by an authorised person.

Registration with the Application requires the provision of accurate, complete, and up-to-date information. The User undertakes to maintain the accuracy of this information throughout their use of the Application.

The User is solely and entirely responsible for the confidentiality and security of their Credentials. Any connection made using the User's Credentials shall be deemed to have been made by the User. KNE disclaims all responsibility in case of fraudulent or unauthorised use of the User's Credentials.

The User undertakes to inform KNE as soon as possible of any loss, theft, or compromise of their Credentials.

The Application provides exclusively aggregated and translated access to the User's financial information. KNE is not a credit institution, payment institution, or investment services provider. KNE is not authorised as such by the Autorité des marchés financiers, the Bank of Israel, or any other financial regulatory authority.

The information presented via the Application, including after translation, does not in any way constitute financial, tax, legal, accounting, or investment advice. The User is solely responsible for their financial decisions and must, if necessary, consult a qualified and authorised professional.

The Translation Service is provided for indicative purposes only. KNE does not guarantee the accuracy, completeness, absence of errors, or fidelity of automatic translations. Translations are generated by automated systems that may produce errors, particularly on specialised financial or legal terms.

The User is expressly informed that the official and legally binding version of their banking information is that provided directly by their banking institution, in Hebrew or in the official language of said institution. In the event of any discrepancy between the translation provided by the Application and the information from the banking institution, the latter shall prevail in all circumstances.

KNE strives to maintain the Application accessible 24/7, but does not guarantee uninterrupted availability. Access may be suspended notably for maintenance, updates, or in case of force majeure. KNE shall not be held responsible for service interruptions or slowdowns.

Furthermore, the accessibility of the Application depends on the IT systems of third-party banking institutions. KNE shall not be held responsible for unavailability caused by said institutions.

By using the Application to connect to a banking institution, the User expressly grants KNE authorisation to access their bank account data on a read-only basis, within the strict limits of the service provided. The User declares and warrants that they are the legitimate holder or duly authorised representative of the bank account in question.

The User is solely responsible for compliance with the general conditions of their banking institution. Some institutions may prohibit or restrict the use of third-party aggregation services. KNE disclaims all responsibility in case of breach by the User of their banking institution's conditions and shall not be held responsible for the consequences thereof, including the suspension or termination of the User's bank account.

The connection to banking institutions is achieved by technical methods compliant with the state of the art at the time of development. KNE does not guarantee permanent compatibility with all Israeli banking institutions, which may modify their technical interfaces at any time without notice. KNE reserves the right to suspend or remove the connection to a banking institution without prior notification.

The Application does not in any way allow banking operations to be carried out (transfers, payments, data modifications, etc.). Access is strictly limited to the consultation and translation of available information.

KNE – FAMILY OFFICE, a company established at 12/7 Sheinkin, Tel Aviv-Jaffa 6523114, Israel, acts as data controller for Personal Data collected in connection with the use of the Application.

In the course of providing the service, KNE collects and processes the following categories of data:

The data is processed for the following exclusive purposes:

KNE implements appropriate technical and organisational measures to protect Personal Data against unauthorised access, loss, destruction, or disclosure. The User's banking Credentials are processed securely and are never stored in plain text by KNE.

In accordance with applicable regulations, the User has rights of access, rectification, erasure, restriction, portability, and objection regarding their Personal Data. These rights may be exercised by contacting KNE at: office@kne-ltd.com.

For full details of the personal-data processing operations carried out by KNE (categories of data, sources, recipients, retention periods, transfers, extended rights, and procedures for exercising them), the User is invited to consult our dedicated Privacy Policy, available at https://app.kne-family-office.com/privacy. This Privacy Policy forms an integral part of these Terms.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, KNE, ITS DIRECTORS, EMPLOYEES, PARTNERS, AND SUBCONTRACTORS SHALL NOT BE HELD LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES RESULTING FROM THE USE OR THE IMPOSSIBILITY TO USE THE APPLICATION, INCLUDING:

The User expressly acknowledges that the Application is made available to them free of charge by KNE, as a complement to the existing commercial relationship with its customer, without any consideration paid for its use. Accordingly, in any event, should KNE's liability nevertheless be recognised, it shall be limited to a symbolic amount of one hundred (100) euros, all damages combined, per User and per calendar year.

KNE shall not be held responsible for delays or non-performance of the service resulting from events of force majeure as defined by applicable law, including notably cyberattacks, telecommunication network failures, natural disasters, acts of war, or governmental decisions.

The User is solely responsible for their use of the Application and the information obtained through it. The User shall indemnify KNE against any recourse, claim, complaint, or action by third parties resulting from their use of the Application.

These Terms are concluded for an indefinite duration from acceptance by the User.

The User may at any time terminate their account by sending a request to KNE via the Application or by email at office@kne-ltd.com. Termination shall take effect within thirty (30) days following the request, subject to the settlement of any sums due.

KNE may suspend or terminate the User's access to the Application, with or without notice depending on the gravity of the facts, notably in case of breach of these Terms, fraudulent behaviour, or for any legitimate reason.

From termination, the User loses access to the Application. KNE shall delete the User's data in accordance with its data retention policy and applicable legal obligations.

These Terms are governed by and construed in accordance with the law of the State of Israel, subject to the imperative provisions applicable to the User under the law of their country of residence.

In case of dispute relating to the interpretation, performance, or termination of these Terms, the parties undertake to seek an amicable solution before any judicial recourse. The User shall send their claim to: office@kne-ltd.com. KNE shall have a period of thirty (30) days to respond.

Failing amicable resolution, any dispute relating to these Terms shall be submitted to the exclusive jurisdiction of the competent courts of Tel Aviv, Israel, to which the parties grant jurisdiction.

For Users residing in the European Union, it is specified that the above provisions cannot deprive said Users of the protection granted by the imperative provisions of the law of their Member State of habitual residence.

These Terms constitute the entirety of the agreement between KNE and the User concerning the use of the Application and cancel and replace any prior agreement on the same subject.

If any of the provisions of these Terms is declared null or inapplicable by a competent jurisdiction, the other provisions shall remain in force and full effect.

The fact that KNE does not avail itself of a provision of these Terms at a given time shall not be interpreted as a waiver of the right to subsequently avail itself of said provision.

The User may not assign or transfer all or part of their rights or obligations under these Terms without the prior written consent of KNE. KNE reserves the right to assign or transfer these Terms, notably in the context of a merger, acquisition, or asset transfer, subject to informing the User.