Question 1

What does k25x actually do?

Accepted Answer

It consolidates every account you have — bank, brokerage, crypto, property — across every currency, and gives you a single financial picture plus a personalized roadmap to financial independence.

Question 2

Do I have to connect my bank?

Accepted Answer

No. You can run the whole app on manual entry or CSV import. Bank connections are a convenience, not a requirement.

Question 3

Does this support Arabic?

Accepted Answer

Yes. The full UI is translated and supports right-to-left (RTL) layout. Toggle from Settings.

Question 4

Which currencies are supported?

Accepted Answer

AED, USD, GBP, EUR, SAR, INR, PKR, and 20+ others natively. FX rates refresh daily.

Question 5

Can I use this outside the UAE?

Accepted Answer

Yes — the engine works globally. UAE- and GCC-specific features (Zakat, Lean bank connections, etc.) are designed for residents but everyone benefits from the core tracking and planning.

Question 6

How is my data protected?

Accepted Answer

Encrypted at rest and in transit. Bank connections are read-only — we can never move money. Two-factor authentication (TOTP) is required on every account — you set it up the first time you sign in. You can revoke connected devices at any time from Settings.

Question 7

Do you sell my data?

Accepted Answer

No. We make money from subscriptions. No ads, no data brokering, no affiliate trails. That’s the whole point.

Question 8

Can I export or delete my data?

Accepted Answer

Yes. Settings → Data → Export (CSV / JSON) or Delete account. Deletion is permanent and completes within 30 days.

Question 9

Where is data stored?

Accepted Answer

On secure cloud infrastructure (Google Cloud / Firebase) with regional options. Local-only mode is available for users who prefer no cloud sync.

Question 10

Can I cancel my subscription?

Accepted Answer

Anytime, in one click from Settings. You keep access through the end of your billing period.

Question 11

Is there a free plan?

Accepted Answer

Yes. Net worth tracking, basic dashboard, CSV statement import for 1 account, and read-only calculators, forever free. (Automated bank feeds via Plaid + Lean ship Q1 ’27.)

Question 12

Is there a refund policy?

Accepted Answer

30 days, no questions asked. Email us and we refund in full.

Question 13

What payment methods do you accept?

Accepted Answer

All major cards via Stripe. Apple Pay and Google Pay supported.

Question 14

Is this financial advice?

Accepted Answer

No. k25x is educational software. It shows you your own numbers, runs calculations, and explains principles (mostly Bogleheads: diversified, low-cost, long-term index investing). For regulated advice specific to your situation, consult a licensed advisor.

Question 15

Are you licensed?

Accepted Answer

k25x is a software product, not a licensed advisory firm. Our Advisor Access tier (coming soon) connects you with independent fee-only advisors who are licensed in their jurisdictions.

Question 16

Why Bogleheads?

Accepted Answer

Because the evidence is overwhelming: broad diversification, low fees, and time in the market beat active management for most investors. It’s boring, honest, and it works.

Question 17

How do I connect my UAE bank?

Accepted Answer

Today: manual entry, CSV import, or SMS/email forwarding works for any bank. Bank-feed integrations via Lean Technologies (UAE-native, CBUAE-regulated; covers most local banks) and Plaid (US/UK/EU + UAE-international) are on our Q1 '27 roadmap. The integrations are scaffolded in the codebase; we are not running them in production until we have validated Lean's UAE coverage end-to-end.

Question 18

Does it handle Zakat?

Accepted Answer

Yes. Automatic Zakat calculation on eligible assets using your selected madhab, with Nisab thresholds updated from live gold/silver prices. Adjustable if you prefer manual control.

Question 19

What about UCITS ETFs?

Accepted Answer

Fully supported. We default non-US persons to UCITS accumulating ETFs to avoid the 15–30% withholding and PFIC headaches of US-domiciled funds.

Question 20

Do you handle tax residency?

Accepted Answer

Yes — expat mode tracks your residency status, flags day-counts where relevant (UK SRT, etc.), and adjusts tax assumptions in projections.

Frequently asked questions

Product

Privacy & Security

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Advice & Regulation

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