Privacy, Terms & Imprint

Privacy Policy

Last updated: October 17, 2026

quokli is a social money app. You make promises with a price, alone or with friends: wake up at 7, go to the gym three times a week, or a rule you write yourself. You show you kept it, with a photo or with data from your iPhone. Break it and the price goes where you chose, like your own savings or the friend you challenged. Habits are for everyone. Anything with money is for people 18 and older.

This policy says what we collect, why, and who sees it. quokli is still being built, and we update this page as it changes.

What we collect

Account: an ID the app creates when you first open it. If you sign in with Apple, your name and the email address Apple shares with us, which can be a private relay address.
Promises: what you promise, the rules you write, the price, days and deadlines, your time zone, the results, your score, and what you owe or are owed.
Photos: the photos you take in the app to show a promise kept.
Friends: your username, the friends you add, the challenges you share, and the people you report or block. If you look for friends in your contacts, we compare their phone numbers with quokli accounts that allow it. For numbers that match nobody yet, we keep a scrambled code (never the number itself) for up to 180 days, so we can tell you when that person joins; then it is deleted.
Age: whether you are 18 or older, from the age range Apple shares with us or from your own confirmation. We ask only when money is involved.
Device: a notification token for reminders and friend updates, and your device model, iOS version, app version and language.
Usage and errors: which screens and features you use and where you tap, and crash and error reports. To find what is confusing, we also keep screen recordings of some app sessions, with everything you type, every photo and image, and payment and system screens hidden; they are deleted after 30 days.
Messages you send us.

Apple Health, location and Screen Time

We use these only to check your promises, and only for a promise where you turn them on.

Apple Health: we read only what that promise needs, such as workouts, steps, sleep or mindful minutes. Health data is never used for advertising.
Location: we save the place you pick, such as your gym, and check your location when you check in there or arrive and leave, to count the visit.
Screen Time: Apple's Screen Time keeps your app limits on your iPhone. We learn only whether a limit held, never which apps you use or what you do in them.

Photos and AI checks

When you send a photo, we send it with the rule of that promise to an AI provider, which checks whether it shows the promise kept. When you write your own rule, an AI provider reads the rule to suggest what the photo should show. When you talk to quokli or type what you want to change, your iPhone turns your voice into words (on the phone when it can, otherwise with Apple's speech recognition); we keep the words, never the recording, and send them to an AI provider to suggest your promises. Our AI providers handle this only for us and don't use it to train their models. They may keep it for up to 30 days to detect abuse.

A photo is seen by the people in that promise: the friend in a challenge, or your group. You can keep any photo private. Kept photos stay on your profile as your memories until you delete them or your account. Photos that didn't count are deleted within 30 days.

We keep some proof photos from adult users for up to 180 days only to check and improve how accurately quokli reviews photos. They are reviewed by our team and by the AI provider that already reviews every proof photo (which doesn’t train on them), and are never shared with anyone else or shown to other users. Photos of people under 18 are never kept for this.

How we use it

To run quokli: your promises, checks, reminders, friends, challenges and score.
To keep quokli safe: to prevent fraud and abuse, review reports and enforce our terms.
To understand and improve quokli, with usage analytics and error reports.
To tailor quokli to you: the app learns from how people use it which reminders, tips and suggestions help most, and shows you more of what works for people like you. This never changes what you pay or whether a promise counts. For people under 18 we don’t personalize this way.
To tell you about quokli. You can unsubscribe at any time.
To comply with the law.

Your feed

quokli uses what you post and how people react to it to choose what appears in feeds. You can see and control your data: delete a post in the app at any time, or email privacy@quokli.com for a copy of everything we hold about you.

Who sees it

Your friends see what you share with them: your name, username and score, the challenges you share and their results, and the photos you choose to share.

Service providers handle data for us and on our instructions: Supabase (database, sign-in and photo storage), AI providers (photo and rule checks), PostHog (analytics, hosted in the EU), Apple (Sign in with Apple and notifications) and Cloudflare (website and waitlist). When quokli moves money for you, the payment partners involved get what they need, and the app names them first.

We also share data when the law requires it, to protect people and quokli, or with the parties to a financing, merger or acquisition under confidentiality. We do not sell your personal data, and we do not share it for cross-context behavioral advertising.

Your choices

Turn analytics off in Settings → Analytics. Turn notifications, Apple Health, location and Screen Time off in your iPhone's Settings. Delete a photo in the app. Delete your account in Settings → Delete account. You can also email privacy@quokli.com to turn analytics off or delete your account.

How long we keep it

Kept photos: until you delete them or your account. Other photos: 30 days at most, except photos kept to check our photo reviews: 180 days at most. Health and location records: only as long as needed to check your promises. Everything else: while your account exists.

When you delete your account, we delete your name, email, username and photos right away and disconnect your devices. Your past promises and amounts stay without your name, so your friends' records stay correct. We keep what the law requires us to keep, for as long as it requires.

This website

On quokli.com we count visits and clicks with PostHog (EU), without cookies. When you join the waitlist we keep your email, your phone number if you add it, your IP address, browser and country, and the link that brought you. Cloudflare checks that a person, not a bot, is signing up.

Joining asks for your email and then your phone number. We text you a code to confirm the number, then text you when quokli opens in your country. Reply STOP at any time and we stop. Your email stays on the list even if you stop before the number. Website signups stay until you unsubscribe or ask us to remove them.

Your rights

Depending on where you live, you may have the right to know what personal data we hold about you, to correct or delete it, to receive a copy of it, and not to be treated differently for exercising these rights, for example under the California Consumer Privacy Act and similar state laws. Email privacy@quokli.com; we verify the request and answer within the time the law sets. An authorized agent may act for you where the law allows.

If you are in the EU, the UK or another place with its own data protection law

We process your data to perform our contract with you, for our legitimate interests in operating, securing, improving and marketing our products (you can object at any time), with your consent where required (you can withdraw it at any time), and to meet legal obligations. We use Apple Health data only with your explicit consent, which you give when you turn it on for a promise and can withdraw in your iPhone's Settings. You have the right to access, correct, delete, export or restrict your personal data and to object to processing based on legitimate interests; email privacy@quokli.com. Your data may be processed in the United States and in the EU; where required we use recognised safeguards such as standard contractual clauses. You may lodge a complaint with your local supervisory authority; in Austria that is the Datenschutzbehörde (dsb.gv.at).

Children

quokli is not meant for children under 13, and we don't knowingly collect their data. If we learn that a child under 13 uses quokli, we delete the account. If you are under the age where you can agree to this yourself where you live (for example 14 in Austria or 16 in Germany), use quokli with a parent's permission. Investing is for people 18 or older, or the age of majority where you live. Parents can reach us at privacy@quokli.com.

Terms of Use

Last updated: October 11, 2026

By using the quokli app ("the app") you agree to these terms. If you don't agree, please don't use the app.

What quokli is

quokli is a social money app. You make a promise, alone or with a friend, set when it counts and what breaking it costs, and show you kept it. Keep it and your score goes up. Break it and the price goes where you chose, like your own savings or the friend you challenged. How the money moves is under Money below.

quokli is being built. What it offers, how it works, which features and partners it includes, and where and when it launches are not final. We may change, adapt, replace, pause or end any part of the product, our policies and our approach at any time, and we update these terms when we do.

Your account

You must be 13 or older to use quokli. Promises and challenges with a price are open from 13. Investing needs you to be 18 or older, or the age of majority where you live. Give us accurate information, including your age. Keep your sign-in safe; you are responsible for activity on your account. Don't misuse the app, probe its security or use it unlawfully. We may suspend or end accounts that break these terms. You can delete your account at any time in Settings → Delete account.

Checks

A promise is checked with a photo or with data from your iPhone, such as Apple Health, location or Screen Time. Photos are checked by AI. Checks can be wrong. If a result looks wrong, email hello@quokli.com within 7 days and we look at it. Results count toward your score and what you owe.

What you share

You are responsible for the photos, names and rules you share. Don't share anything sexual, violent, hateful or harassing, anything that shows another person without their permission, or anything unlawful. We do not tolerate this: we remove it and may end the account that shared it. Report a photo or block a person in the app; we review reports within 24 hours. You let us store, check and show your photos to the people you share them with, only to run quokli.

Our content & your feedback

The app, its design, branding, code, and content are owned by quokli and protected by intellectual-property law; these terms give you a personal, non-transferable right to use the app, not any ownership in it. If you send us feedback, ideas, or suggestions, you agree we may use them freely to build and improve our products, without restriction or compensation.

Availability & changes

quokli is a young product and the app is provided "as is" and "as available". We may add, change, or remove features, and we update these terms and our Privacy Policy as the product evolves; where changes are material we make reasonable efforts to notify you. Continued use after a change means you accept the updated terms.

Disclaimers & liability

Some features depend on your iPhone (for example alarms, notifications, Apple Health, location and Screen Time), on AI checks or on third parties, which we do not control and which may not work perfectly every time. To the fullest extent permitted by law, quokli is provided without warranties, and we are not liable for indirect or consequential loss. Nothing in these terms limits any rights you have as a consumer under mandatory law where you live, or our liability for death, personal injury, or anything that cannot be excluded by law.

Governing law

Once the quokli company is formed, these terms will be governed by the laws of the US state where it is formed, and that state will be named here. Until then they are governed by the laws of the place where the operator is resident. Nothing in this section affects any mandatory consumer rights you have where you live, including the right to bring proceedings in your own country.

Money

The price of a promise is your own commitment. The app keeps the record of what you owe yourself or a friend, and today you move that money yourself. A challenge with a friend is an agreement between the two of you: quokli records it and shows who owes what. When quokli moves money for you, the app shows how it works, who is involved and what it costs before any money moves. Any card or bank cost is yours.

Waitlist offer: closed

The waitlist offer closes for new signups on 16 October 2026. Everyone who joined the waitlist before then keeps what it promised: the first three months of any paid quokli subscription free, from the day quokli opens to the public in their country, with the email address that joined.

The terms they joined under

Anyone who joins the waitlist at quokli.com while this offer is running gets the first three months of any paid quokli subscription free. The three months start on the day quokli opens to the public in the joiner's country and the joiner opens an account with the email address that joined. The offer covers the subscription fee only. The price you put on a promise, and any card or bank cost, is yours. After the three free months the subscription continues at the price shown in the app on that day, and you can cancel at any time in the app, before or after that day. We show you the price and ask for your consent before we take any payment. Nothing is charged and no payment details are collected on the waitlist. One offer per person, tied to the email address that joined; it is not transferable and has no cash value.

Waitlist giveaway: official rules

Version of 10 September 2026

NO PURCHASE NECESSARY. A purchase does not increase your chances of winning. Void where prohibited.

1. Sponsor

quokli is an early-stage project operated by Atilla Babacan as an individual (“we”, “us”). No company has been formed yet. A company is intended to be formed in the United States, and these rules will be updated to name it once it exists. Contact: hello@quokli.com. A postal address for prize administration will be published here before the first draw.

2. Who can enter

Legal residents of the United States who are 18 or older at the time of entry. Employees and contractors of quokli and their immediate family members are not eligible.

3. How to enter

Join the waitlist at quokli.com with a valid email address. That is your entry. It is free. One signup per person, regardless of how many email addresses you use; each eligible person (defined below) holds one entry. You stay in every draw for as long as you remain on the waitlist. Entering requires no download, no account and no purchase.

Referral entries. After joining you get a personal link. Each different eligible person who joins the waitlist using your link before a draw adds one further entry for you in that draw and in every later draw, up to 10 additional entries in total. Referral entries raise your own odds only. They are not counted as people when we work out the number of prizes in section 5, and they never create an additional prize. Sharing is free and optional, and no payment by you or by anyone you invite affects entries.

Eligible person. A signup counts as an eligible person, both for the number of prizes in section 5 and for the draw itself, only if all of the following are true: it was submitted through quokli.com by a person who passed the automated anti-bot check; it is the only signup from that person, judged on the underlying mailbox rather than the spelling of the address, so that variations using dots or plus-tags count once; and our records do not indicate that it was created by automated means, by a script, through a disposable or reused address, or otherwise other than by a genuine individual acting for themselves. We may also require a person to confirm their email address before the signup is treated as eligible.

We decide eligibility from our own records, acting reasonably and in good faith, and our determination is final. Signups we find to be automated, duplicated or otherwise not genuine are void, do not count toward any total in these rules, do not create a referral entry for anyone, and may lead to disqualification of that person and of anyone who referred them.

4. Promotion period

This promotion begins on 7 September 2026 and runs until we end it. We may end the promotion at any time, for any reason, by posting an end date on this page. We will give at least 7 days' notice of that date, except where we have to end it sooner because of fraud, technical failure, or a legal or regulatory requirement, in which case it ends immediately on posting.

Signups received after the end date are not entered into any draw. Any draw for a calendar quarter that had already finished before the end date still takes place, so nobody loses a prize they had already earned. We may announce a separate promotion afterwards under its own rules.

5. Draws

We draw once per calendar quarter, within 30 days of the quarter ending.

Number of prizes. Each quarter we award one prize for every 1,000 eligible people (section 3) who joined the waitlist during that quarter. People left over after dividing by 1,000, and everyone from a quarter with fewer than 1,000 joiners, carry forward and count toward the next quarter's total. Nobody is counted twice, referral entries are not counted, and signups that are not eligible people are not counted, so automated or duplicated signups never create additional prizes. If no prize is due for a quarter, no draw takes place that quarter.

Who is in the draw. Each draw is made at random from the entries of every eligible person on the waitlist at the end of that quarter, regardless of when they joined. Each person holds one entry plus any referral entries earned under section 3 before the draw. A person can win at most once in the same draw.

6. Prize

Each prize is $100 in quokli credit. Launch means the day quokli opens to the public in the winner’s country. We add the credit to the winner’s quokli account once quokli has launched in the winner’s country and the winner has opened and verified an account there using the email address they entered with. The credit can be invested or spent inside the app under the account terms in force at that time. It is one prize per winner per draw.

The credit is not cash. It is not redeemable for cash, not transferable, and has no value outside a quokli account. There is no cash alternative. If quokli has not launched in the winner’s country within 24 months of the draw, or the winner has not opened and verified an account within 24 months of the draw, the prize lapses. If we cannot provide the credit, we may substitute a prize of equal or greater value. The winner is responsible for any taxes on the prize.

7. Winner notification

We email the winner at the address they entered with, within 7 days of the draw. The winner has 14 days to reply and confirm eligibility. If they do not reply in time, are found ineligible, or decline, we draw another winner from the same pool. We may publish the winner’s first name and city, and the winner may decline this at any time by telling us.

8. Odds

Odds of winning depend on the number of entries in the pool at each draw. Referral entries raise the odds of the person who earned them; they do not change the number of prizes.

9. General

We may suspend or end the giveaway if it is compromised by fraud, technical failure, or anything outside our reasonable control, and we may disqualify anyone who tampers with the entry process. This giveaway is in no way sponsored, endorsed, administered by, or associated with Instagram, TikTok, Meta, Apple, or Google. Entry data is handled as described in the Privacy Policy above and is not sold. A list of winners is available on request by email for 90 days after each draw. Nothing in these rules requires a winner to buy anything, and no purchase or payment increases anyone’s chance of being drawn. These rules are governed by the laws of Austria, without affecting any mandatory consumer protections that apply where you live.

Imprint

Atilla Babacan
Operating as an individual. No company formed.
atilla@quokli.com

Responsible for the content of this site: Atilla Babacan, acting as an individual. quokli is a pre-launch project. Nothing is sold on this site and no payment is taken here. Once a company is formed, it will be named here and will take over as the party responsible.

Some images on this site are placeholders, including stock photography and one image generated with the assistance of artificial intelligence (Art. 50 Regulation (EU) 2024/1689).

Contact

Questions, data requests, anything at all: email hello@quokli.com (privacy matters: privacy@quokli.com). We answer.