General Terms and Conditions of Use

Kokonut ecosystem: Fid, Capture, Slice, Business, FYSK, MCP and related services

Last updated: 21.09.2026

Courtesy translation of the French original. In the event of any discrepancy, the French version prevails (art. 18).

1. Preamble and scope

These General Terms and Conditions of Use (hereinafter the "Terms") govern access to and use of the Kokonut platform and all of its modules, published by:

Leev Sàrl, Route de Rossemaison 100, 2800 Delémont, Switzerland (hereinafter "Leev" or "we").

They apply to all services of the Kokonut ecosystem:

Product	What it does	For whom
Kokonut Fid	AI-assisted pre-accounting	Fiduciaries
Kokonut Capture	iOS and Android mobile application for scanning documents, for personal use or for transmitting them to a fiduciary that is a Kokonut Fid client (art. 3.1)	Private individuals, Mandate Clients and Users of Clients
Kokonut Slice	Bulk document preparation and splitting	Fiduciaries and companies
Kokonut Business	Business management, invoicing and administration	Companies and self-employed persons
FYSK	AI assistant for tax and accounting matters	All Clients
Kokonut MCP	MCP server that connects an AI assistant chosen by the Client to its Kokonut data (art. 3.2)	Kokonut Business Clients
API	Programmatic access to the Platform	Clients and integrators
Optional services	Delegated data entry and similar services	On request

By creating an account or using any of these services, the user accepts these Terms as well as the Privacy Policy, which forms an integral part thereof. Any specific terms (offer, quotation, framework agreement) prevail over these Terms in the event of a discrepancy.

The services are aimed primarily at professionals (fiduciaries, companies, self-employed persons) and are also open to private individuals. These Terms apply in full to all users.

2. Definitions

Platform: all applications, websites, APIs and MCP servers operated by Leev under the Kokonut brand;
Client: the natural or legal person holding the account and, where applicable, the subscription;
User: any person who accesses the Platform under the Client's account (employees, agents);
Mandate Client: the person, a client of the Client, whose phone is linked to the file that the Client has opened for them in Kokonut Fid so that they can transmit their documents to the Client by means of Kokonut Capture; the Mandate Client is a User within the meaning of these Terms for what they do in the application, without holding the account or the subscription;
Third-party AI Assistant: an artificial intelligence assistant or agent that is not operated by Leev (for example Claude, ChatGPT, Le Chat or a locally run model) and that the Client connects to the Platform through Kokonut MCP;
Client Content: the data, documents, accounting records and information uploaded to or generated by the Client on the Platform;
AI Services: the features based on artificial intelligence models (extraction, classification, suggested entries, FYSK answers, translations, etc.).

3. Description of the services

Kokonut provides digital tools supporting management, accounting preparation and administration, in particular: extraction of data from documents (invoices, receipts, statements), assisted bank reconciliation, suggested entries, document preparation, exchange of documents between fiduciaries and their clients, invoicing and exports to third-party accounting software.

Kokonut services are assistance tools. They in no way replace an accountant, a fiduciary, a tax expert, a lawyer or a financial adviser, and provide neither accounting advice, nor tax advice, nor legal advice.

Compatibility with third-party software (import/export) depends on the formats published by that software; Leev does not warrant the behaviour of the third-party software itself.

3.1 Kokonut Capture (mobile application)

Kokonut Capture is a mobile application for scanning documents. Scanning, text recognition and the creation of PDF files take place on the device; no document leaves the device before a submission or a scanning session within the meaning set out below. The application can be used in three ways:

Personal use. Without an account or subscription, anyone may scan, organise, export and share their own documents. These remain on their device: Leev has no access to them and cannot restore them in the event of loss, reset or uninstallation. It is up to the user to keep their own copies.
Submission to a fiduciary. The Client equips a Mandate Client by handing them a device code that links their phone once and for all to the file opened in Kokonut Fid. The Mandate Client scans their documents over the course of the period, then submits them by scanning the submission QR code that the Client sends them: the documents for the period are added to the file. A submitted document is locked on the phone and is not transmitted twice.
Scanning session. A User of the Client displays a QR code from Kokonut Fid or Kokonut Slice and scans it with the application: each document scanned during the session is immediately transmitted to the open file or batch, without being kept on the phone.

Submission and scanning sessions require an active subscription to the module concerned. The Client equips and removes its Mandate Clients whenever it wishes; it is liable for their acts in the application as for those of its other Users (art. 4) and warrants that it holds the authorisations necessary to process their data (art. 7.3). Kokonut Capture is an additional transmission channel and not a mandatory route: uploading files to the Platform remains available.

The availability of the application depends on the app stores and operating systems of Apple and Google. Leev is not liable for their terms, for changes to them, or for any resulting unavailability of a version.

3.2 Kokonut MCP

Kokonut MCP is a server compliant with the MCP protocol (Model Context Protocol) that allows the Client to connect a Third-party AI Assistant to Kokonut Business, so that this assistant can consult, create and modify data (customers, products, offers, invoices) based on requests formulated in natural language. Access relies on a personal token that the Client creates from its account and may revoke at any time.

Actions of the assistant. The Third-party AI Assistant acts with the rights of the token used. The operations it carries out are deemed to be carried out by the Client, who is responsible for their accuracy. The Client checks in particular offers and invoices before issuing or sending them; an issued invoice can no longer be modified by this means.
Provider chosen by the Client. The choice of the Third-party AI Assistant, of its provider and of its settings rests solely with the Client. The data that the assistant reads through Kokonut MCP leaves the Platform to be processed by that provider, under the provider's terms and under the Client's responsibility. This processing is beyond Leev's control; it is covered neither by hosting in Switzerland nor by the "Cloud Act Free" commitment (art. 5.3).
Recommendation. So that management data is transmitted to no AI provider, Leev recommends connecting Kokonut MCP to a model run on the Client's infrastructure (for example LM Studio or Ollama).
Liability. Leev is not liable for the answers, interpretations and errors of the Third-party AI Assistant, nor for the operations it carries out on the Client's instructions or as a result of a misunderstanding of those instructions, nor for the availability and compatibility of its provider's services.
Scope. Kokonut MCP is available for Kokonut Business; other modules may be added. Leev may limit the number of calls in order to preserve the stability of the Platform (art. 12).

3.3 Beta features

Leev may make available features or services designated as "beta", "preview", "experimental" or any equivalent term. These features are provided "as is", for evaluation purposes: they may contain errors, be modified, suspended or withdrawn at any time without notice, and carry no warranty of availability, reliability, accuracy or continuation. The Client uses them at its own risk, must not rely on them for critical processes, and Leev's liability in respect of them is excluded to the extent permitted by law (art. 14).

4. User account

The user undertakes to:

provide accurate and up-to-date information when creating the account;
keep its credentials confidential and activate the security measures offered (two-factor authentication where available);
inform Leev without delay of any unauthorised use of its account.

The Client is liable for the acts of the Users it attaches to its account (employees, mandates, guests) as for its own acts. Fiduciaries opening spaces for their own clients warrant that they hold the authorisations necessary to process the latter's data.

Mandate Clients whom the Client equips with Kokonut Capture are guest Users within the meaning of the preceding paragraph. It is the Client's responsibility to inform them of these Terms and of the Privacy Policy before handing them a device code, and to unlink without delay the phone of a Mandate Client whose mandate ends.

5. Artificial intelligence services

5.1 Nature of the results

The AI Services produce automatically generated suggestions (extractions, classifications, suggested entries, answers). These results are probabilistic in nature and may be incomplete or incorrect. Every suggestion must be reviewed and validated by the user before use, in particular before any export to accounting software and before any management, accounting or tax decision.

5.2 Hosting and data sovereignty

Data is primarily processed on infrastructure located in Switzerland (datacenters operated by Infomaniak). Where the internal models cannot deliver a result, the Platform may fall back on a European AI engine (currently Mistral, European Union), to the exclusion of any API subject to the US Cloud Act for the processing of Client Content.

Third-party AI Assistants that the Client connects to the Platform through Kokonut MCP are not part of the AI Services: their processing is governed by art. 3.2.

No Client data is used to train artificial intelligence models without the Client's express authorisation (art. 7.2).

5.3 "Cloud Act Free" commitment

Leev selects its providers so as to maintain operations independent of players subject to the Cloud Act, including for the European fallback mechanism. This is a best-efforts commitment: Leev cannot guarantee the absence of subsequent changes at an external provider (change of subcontractor, of legal structure or of shareholding) liable to affect this compliance. Should such a change be identified, Leev will take all reasonable measures to adapt the service and preserve data sovereignty. Payment processing is an exception: it is handled by Stripe (see art. 9), which the Client expressly accepts.

6. Professional responsibilities of the Client

Kokonut provides tools that facilitate bookkeeping and the preparation of tax obligations. Ultimate responsibility for the proper keeping of the accounts (art. 957 et seq. of the Swiss Code of Obligations, CO), for compliance with tax obligations (in particular the VAT Act) and for statutory deadlines nevertheless remains with the Client, respectively with its governing bodies or agents.

Fiduciaries using Kokonut Fid remain solely responsible towards their own clients for the services they provide to them. Kokonut is not a party to the contractual relationship between the fiduciary and its clients.

The same applies to documents transmitted by a Mandate Client by means of Kokonut Capture: their completeness, their accuracy and their evidential value are the responsibility of the Client. The application conveys what the Mandate Client gives it; it verifies neither that a period is complete nor that the document sent is the right one.

7. Data, confidentiality and security

7.1 Data protection

The processing of personal data is described in the Privacy Policy, which complies with the Swiss Federal Act on Data Protection (revised FADP, in force since 1 September 2023) and, for the users concerned, with the GDPR.

In summary:

Client Content is hosted in Switzerland (Infomaniak); certain providers (Stripe for payments, Mistral for fallback AI) may process data in the European Union;
communications are encrypted (TLS) and data is protected by bank-grade encryption (256-bit / AEAD);
documents scanned with Kokonut Capture remain on the device until a submission or a scanning session, then are sent encrypted to the Swiss hosting; in personal use, they do not leave the device;
the data that a Third-party AI Assistant reads through Kokonut MCP is processed by the provider chosen by the Client (art. 3.2);
Leev neither sells nor otherwise commercialises any data; no transfer to third parties takes place, apart from subcontractors necessary to the service and Swiss legal obligations;
the technical team accesses Client Content only at the Client's request, where a technical incident requires it or under a legal obligation; every access is logged.

7.2 Ownership and use of Client Content

Client Content remains the property of the Client. Leev processes Client Content solely to the extent necessary to provide the subscribed services (hosting, technical processing, backups).

Any use for other purposes, in particular the improvement of the services or of the models, requires the Client's express and prior authorisation, given on a case-by-case basis (opt-in) when the document or dataset concerned is transmitted. This authorisation is optional, has no bearing on access to the service and may be revoked at any time with effect for the future.

7.3 Roles, warranties and archiving

For the personal data contained in the Client Content, the Client acts as controller and Leev as processor, on the Client's instructions, within the framework of these Terms.
The Client warrants that it holds all rights and authorisations necessary over the Client Content, including vis-à-vis its own clients and the data subjects, and that such content infringes no third-party right and no legal provision.
The Client shall fully indemnify Leev against any third-party claim, including reasonable defence costs, arising from the Client Content, from its unlawfulness or from any use of the Platform contrary to these Terms.
Leev provides tools that facilitate compliance with the statutory retention and archiving obligations (in particular art. 957a and 958f CO), protects the data and performs regular backups. Ultimate responsibility for complying with these obligations nevertheless remains with the Client, who is invited to export its archives regularly or to carry out its own internal backups.
Leev's technical backups are intended for service continuity; they give the Client no right to the return of data after the end of the contract (art. 10.3).

8. Banking data

The Platform allows the processing of statements and bank files provided by the Client (in particular in ISO 20022 / camt formats) for reconciliation and accounting automation purposes.

The Client may also link a Revolut Business account to Kokonut Fid or Kokonut Business. This connection is activated on the Client's initiative and works in read-only mode: Kokonut reads the account's transactions in order to match them with entries and open invoices. It relies on an access authorisation issued by Revolut, which the Client may revoke at any time; no banking password is ever disclosed to Kokonut.

Apart from this read-only connection, Kokonut establishes no direct connection to banking systems and stores no banking credentials. In all cases, Kokonut carries out no transaction or payment order: payment files (pain.001) generated by the Platform are submitted to the bank by the Client itself.

9. Prices, invoicing and payment

9.1 Prices and subscriptions

Prices are expressed in Swiss francs (CHF) and are exclusive of VAT; Swiss VAT is invoiced in addition at the applicable rate.

Subscriptions are entered into on a monthly basis and renew tacitly from month to month unless terminated (art. 10).
A 14-day free trial is offered for Kokonut Business only.
Kokonut Capture is free for personal use and for Mandate Clients. The Client is invoiced CHF 1 per equipped Mandate Client per month, exclusive of VAT, in addition to the Kokonut Fid subscription, which must be maintained. A Mandate Client is invoiced from the month in which their phone is linked to the file; unlinking takes effect at the end of the current subscription month, without pro rata refund.
Except where invoiced under art. 9.2, payment is made by card through the provider Stripe; Leev stores no card data. In the event of a failed payment, the terms of art. 9.3 apply.
Leev may adjust its prices for the following contractual period subject to at least 30 days' prior written notice (email or in-app notification). If the Client refuses the change, it may terminate its subscription as of the current expiry date; failing termination, the new price is deemed accepted.

9.2 Subscription on invoice and AI statements

The following are paid on invoice:

Kokonut Fid subscriptions, for all of its Users;
the monthly AI usage statements of Kokonut Business and Kokonut Fid;
the subscriptions of Clients bound to Leev by a contract.

For Clients holding a contract, the pricing terms of the contract are authoritative: the prices, rates, discounts and terms published on the website or in the Platform, including in art. 9.1, do not take precedence over them.

9.3 Payment terms

The following terms apply to every invoice issued by Leev, whether it is paid on invoice (art. 9.2) or relates to a subscription paid by card through Stripe (art. 9.1):

Invoices are payable within 10 days of their issue date.
Failing payment within this period, Leev may suspend access to the service until payment in full, without further notice of default.
The Client already accepts the invoicing of reminder and formal notice fees according to Leev's applicable rates, of statutory default interest as well as, as a last resort, of the costs of debt enforcement proceedings.
Any invoice that is not disputed in writing before the expiry of its payment period is deemed tacitly accepted and constitutes an acknowledgement of the corresponding debt within the meaning of art. 82 DEBA (Federal Act on Debt Enforcement and Bankruptcy, LP/SchKG).
Claims for damages remain reserved.

10. Term, termination and account deletion

10.1 Ordinary termination

The Client may terminate its subscription at any time from its dashboard or in writing. Termination takes effect at the end of the current subscription month; the features remain accessible until that date. Periods already started are not refunded.

The end of the Kokonut Fid subscription ends Kokonut Capture submissions by the Client's Mandate Clients; the documents remaining on their phones stay there. The end of the Kokonut Business subscription renders inoperative the Kokonut MCP tokens attached to it.

10.2 Extraordinary termination and suspension

Either party may terminate the contract with immediate effect for good cause. Leev may further suspend an account, after warning except in urgent cases, in the event of fraud, misuse, non-payment or serious breach of these Terms.

10.3 Archiving and deletion of data

The Client is responsible for archiving its data and documents. It is up to the Client to export, before the end of the contract, the Client Content it needs, by means of the export functions available in the Platform.

Leev guarantees no time frame for the return of data after the end of the contract; a request addressed to support may nevertheless, as a matter of goodwill, result in an export. After the end of the contract or upon an express deletion request, the data is erased, subject to the statutory retention obligations applicable to Leev.

11. Availability and maintenance

Leev aims for an annual availability of 99% of the Platform, without this rate constituting a contractual guarantee in the absence of a separate service level agreement (SLA). Interruptions may occur for maintenance, updates or improvements; planned maintenance is, as far as possible, announced in advance and carried out outside business hours.

12. Acceptable use and restrictions

The following are prohibited, in particular:

diverting the service from its intended purpose or using it for unlawful purposes;
attempting to access the systems of Leev or of third parties without authorisation;
decompiling, disassembling or analysing the internal components of the Platform, subject to the mandatory exceptions of Swiss law;
impersonating a third party or uploading content to which the Client does not hold the rights;
reselling, sublicensing or making the service available to third parties without Leev's written agreement;
linking to a Kokonut Capture file the phone of a person who is not a Mandate Client of the Client, or sharing the same device code between several Mandate Clients;
placing abusive load on the API or the MCP servers (deliberate overload, circumvention of technical limits, sharing of personal access tokens).

Leev may take the proportionate technical measures necessary to protect the Platform in the event of a breach.

13. Intellectual property

The Kokonut brand, the FYSK brand, the Platform and all of their software, visual and textual elements are the exclusive property of Leev Sàrl or of its licensors. The subscription grants the Client a personal, non-exclusive and non-transferable right of use, limited to the term of the contract.

Client Content remains the property of the Client (art. 7). Suggestions and feedback voluntarily submitted to Leev may be freely used to improve the services.

14. Warranties and liability

To the extent permitted by Swiss law:

the services are provided "as is" and as available; Leev warrants neither the complete absence of errors nor fitness for a particular purpose;
Leev is liable without restriction for damage caused intentionally or through gross negligence (art. 100 CO), as well as for personal injury;
for the remainder, Leev's liability is excluded for slight negligence and, to the extent permitted, limited to direct damage; it is capped, per contractual year, at the amount of the fees paid by the Client during the twelve months preceding the damaging event;
indirect and consequential damage (loss of profit, loss of data not attributable to a fault of Leev, third-party claims, tax penalties, default interest) is excluded to the extent permitted by law;
Leev is not liable for decisions taken on the basis of AI Service results that have not been verified in accordance with art. 5.1, nor for the content and operation of third-party software and services, including Third-party AI Assistants connected through Kokonut MCP (art. 3.2).

15. Force majeure

Neither party is liable for the non-performance of its obligations due to an event of force majeure (natural disaster, major infrastructure or network failure attributable to a third party, armed conflict, decision of an authority, cyberattack of exceptional scale). The obligations concerned are suspended for the duration of the event.

16. Changes to the services and to the Terms

Leev develops the Platform on an ongoing basis and may add, modify or withdraw features, provided that the essential characteristics of the subscribed service are preserved.

These Terms may be updated. Any substantial change is notified at least 30 days before it takes effect (email or in-app notification). A Client who refuses the change may terminate its subscription as of the effective date; use of the service beyond that date constitutes acceptance.

17. Support

17.1 Purpose

Support is intended to help Users get started with and use the Platform. It does not include bookkeeping, accounting, tax or legal advice, or processing the Client's data on the Client's behalf.

For Kokonut Business and for Kokonut Fid subscriptions taken out online, each support request is handled within a limit of 30 minutes. If it requires more time, Leev informs the Client beforehand; the additional assistance is then billed at the applicable hourly rate, with the Client's agreement.

For Clients under contract, support is provided according to the terms set out in the contract, without this limit.

17.2 Kokonut Business

Support is provided by email. Depending on the subscription plan, it is also available by phone.

17.3 Kokonut Fid

Subscription taken out online: a 30-minute onboarding is included when the service is set up. Support is then provided by email or, to handle a specific case, by video call.
Client under contract: support is provided by phone and priority email, and on site if necessary, as set out in the contract.

17.4 Contact

Support requests are sent to support@kokonut.ch.

18. Miscellaneous provisions

Assignment: the Client may not assign the contract without Leev's written agreement; Leev may assign the contract to a company it controls or in the context of a restructuring, which the Client accepts.
Severability: the invalidity of one clause does not affect the validity of the others; the invalid clause is replaced by a valid provision of economically equivalent effect.
Entire agreement: the Terms, the Privacy Policy and any specific terms constitute the entire agreement.
Language: the Terms may be translated; the French version prevails.

19. Governing law and jurisdiction

These Terms are governed by Swiss law.

The exclusive place of jurisdiction is Porrentruy, Switzerland.

20. Contact

Leev Sàrl Route de Rossemaison 100 2800 Delémont, Switzerland Email: info@kokonut.ch