Terms of Service
1. Non-Custodial Nature
SikaDNA is a personal financial management (PFM) and point-of-sale bookkeeping application. SikaDNA does not hold, custody, transmit, or move user funds, nor does it initiate transactions on your bank or Mobile Money accounts.
2. Accuracy & Advisory Disclaimer
All Safe-to-Spend, Safe-to-Draw, and Sika Advisor insights are informational bookkeeping calculations based on SMS receipts received on your device and manual entries you record. Always verify critical tax, statutory, or investment decisions with a licensed advisor.