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Terms and Conditions for Using KidoBank

1. Simulation Purpose Only
KidoBank is an online platform designed solely for simulation, educational, and entertainment purposes. It is not a real bank, financial institution, or provider of financial services. All operations within KidoBank (e.g., transfers, saving, investing, lending) are purely virtual and have no real-world value or legal effect outside of the platform. All data and actions are simulated and intended exclusively for educational use.

2. Responsibility and Children's Decision-Making
KidoBank is intended strictly for entertainment and educational purposes. KidoBank is not responsible for any decisions, actions, mistakes, misunderstandings, or emotional reactions of children related to simulated behavior in the app (e.g., failed investments, misunderstanding interest rates, etc.). Children should use the application only under the supervision and guidance of a parent or legal guardian. Responsibility for the child’s behavior within the application lies solely with the registered parent.

3. Terms of Use
Registration in the system can only be done by a physical person over the age of 18 who declares that they are the parent or legal guardian of the child for whom a sub-account is being created.

The registered parent is solely responsible for each sub-user (child).

No name or surname of the child is required during registration – we recommend using nicknames or first names without additional identifying data.

The user agrees to use the application in accordance with its intended purpose and not to attempt to misuse it for purposes other than education.

Privacy Policy (GDPR)

1. Data Collection and Processing
KidoBank collects only the essential personal data needed to operate the service. This includes the parent's email address, which is used for:

- registering and logging into the system,
- technical management of the user account,
- occasional updates about the service.

We also use standard analytics tools (e.g., Google Analytics) to collect anonymized statistical data about user behavior on the site.

2. Data Storage and Protection
Email addresses and other essential data are securely stored on our web hosting servers. We take appropriate technical and organizational measures to protect data from unauthorized access, loss, misuse, or damage.

3. Data Sharing
KidoBank does not provide, sell, or share collected personal data with third parties in any way. Your data is used solely to ensure the functionality of the platform.

Disclaimer
KidoBank is not a bank – neither licensed nor unlicensed. We do not perform any financial operations, hold any money, or offer any banking products.

KidoBank is an educational tool – the goal is to help children understand basic financial principles in a playful, comprehensible, and safe way.

KidoBank does not provide financial advice – any simulated investments, interest rates, or decisions have no legal or investment value and are not recommendations. Parents and children should consult qualified professionals for real financial decisions.

Final Provisions
By using the KidoBank platform, you agree to these terms and conditions. We reserve the right to modify or supplement these terms at any time. Changes become effective immediately upon being published on this page.

KidoBank is currently provided free of charge. However, we reserve the right to introduce fees for selected premium features or additional services in the future. Users will be notified in advance of any such changes.