Terms of Service

Last updated: August 16, 2026

1. About this Website

Costnivo LLC publishes general, informational content about the daily spending journal method: recording everyday purchases, organizing expenses by category, and reviewing spending patterns over time. The Website is provided for informational and educational purposes only.

2. No paid services or financial advice

Costnivo does not sell, broker, or offer any paid products, subscriptions, or services through this Website. Nothing on the Website constitutes financial, investment, tax, accounting, or legal advice, and it should not be relied upon as a substitute for advice from a qualified professional familiar with your individual circumstances.

3. Use of the Website

You may use the Website for lawful, personal, non-commercial purposes. You agree not to:

• Use the Website in any way that violates applicable law or regulation.
• Attempt to gain unauthorized access to the Website, its systems, or related networks.
• Copy, reproduce, or redistribute substantial portions of the content for commercial purposes without prior written permission.
• Interfere with the proper functioning of the Website, including through the introduction of malicious code.

4. Intellectual property

Unless otherwise indicated, the text, layout, graphics, and other content on the Website are owned by or licensed to Costnivo LLC and are protected by applicable intellectual property laws. You may view and share individual pages for personal, non-commercial reference.

5. Accuracy of content

We aim to keep the information on this Website accurate and up to date, but we make no warranties, express or implied, about the completeness, reliability, or accuracy of the content. Spending habits, categorization approaches, and personal finance practices vary widely, and general information may not suit your specific situation.

6. Third-party links

The Website may reference or link to third-party resources for general informational purposes. We do not control and are not responsible for the content, accuracy, or practices of any third-party sites.

7. Limitation of liability

To the fullest extent permitted by applicable law, Costnivo LLC shall not be liable for any indirect, incidental, or consequential damages arising from your use of, or inability to use, the Website or reliance on any content published on it.

8. Disclaimer of warranties

The Website and its content are provided "as is" and "as available," without warranties of any kind, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

9. Changes to these Terms

We may revise these Terms from time to time. Continued use of the Website after changes are posted constitutes acceptance of the revised Terms. Please review this page periodically.

10. Governing law

These Terms are governed by the laws applicable in Mongolia, without regard to conflict-of-law principles, unless otherwise required by mandatory local law applicable to you.

11. Contact us

Questions about these Terms may be directed to:

Costnivo LLC
Mongolia, Ulaanbaatar, Chingeltei District, 4th Khoroo, Enkhtaiwany Avenue 23, Naran Center, 3rd Floor, Office 15
Phone: +976-7011-4455
Email: info@costnivo.com