Terms of Service

Agreement

These terms are an agreement between you and [LEGAL NAME], [ADDRESS/COUNTRY] ("we", "us"), and apply when you use the Keptify website, web app or phone apps (together, "Keptify"). By creating an account you agree to these terms. Our Privacy Policy explains how we handle your data. If you don't agree, don't use Keptify.

You must be at least 18 to use Keptify.

What Keptify does, and doesn't do

Keptify lets you record what you earn, spend and move between your own accounts, set budgets, schedule bills you expect to pay and track savings goals. Every balance and total is calculated from what you enter.

• Keptify never connects to a bank and never holds, sends or moves money.
• Keptify is not a bank, payment service, or financial, tax, legal or investment adviser. Nothing in Keptify is financial advice.
• Totals, estimates and plans (including the payday planner) depend entirely on the information you enter. They are estimates, not guaranteed available money. You are responsible for decisions you make using them.
• Bill reminders appear only inside the app while it is open. Keptify does not send push or email reminders, and you shouldn't rely on it as your only reminder for important payments.

Your account

Keep your sign-in details secure and tell us promptly if you think someone else has accessed your account. You are responsible for activity on your account. Give us an email address you can receive mail at, because we use it for account and service messages.

Your records

The records you enter belong to you. You give us permission to store, process and display them only so we can provide Keptify to you. You can export them (CSV or a JSON backup) and delete them, or your whole account, at any time from Settings.

Keep copies of anything important. We take care to protect your records, but we can't guarantee that data will never be lost.

Acceptable use

Don't misuse Keptify. In particular, don't:

• break the law or use Keptify for fraud or money laundering;
• try to access other people's accounts or data, or get around security or plan limits;
• interfere with, overload or reverse-engineer the service, except where the law allows; or
• store other people's personal data in Keptify without a lawful reason.

Free and Keptify Plus

Tracking, basic budgets, bills, goals, reports, history, CSV import and export, backup and restore, and balance-check basics are free. Keptify Plus is an optional paid plan that adds the payday planner, balance checks, rollover budgets and saved rollover history.

The free tracker will stay free. Prices are shown in US dollars before you buy. Any sales tax or VAT that applies where you live is added and shown at checkout, before you pay.

Free trial

You can start one free 14-day Keptify Plus trial per account. A trial needs no card and never turns into a paid plan on its own; when it ends, your account returns to the free plan unless you choose to subscribe. Erasing your data or creating a new account to get another trial isn't allowed.

Paid subscriptions

• Web: purchases on the web are sold by Paddle.com, our merchant of record, which handles payment, billing, taxes and invoices. Paddle's buyer terms also apply to your purchase. You can manage or cancel from Settings → Plan & billing.
• iPhone and Android: in-app purchases are billed by Apple or Google under their terms. Manage or cancel them in your App Store or Google Play account settings.
• Subscriptions renew automatically at the end of each monthly or yearly period, at the then-current price, until you cancel. We'll tell you before any price change applies to you, and you can cancel before it takes effect.
• Cancelling stops future renewals. You keep Plus until the end of the period you've paid for.
• A web subscription and a phone-store subscription are separate and don't carry over between each other yet.
• Refunds are covered by our Refund Policy.

When Plus ends

If a trial or subscription ends, nothing is deleted. Plans you saved stay readable but are no longer recalculated, and everything in the free plan keeps working.

Availability and changes

We work to keep Keptify available and accurate, but it may sometimes be unavailable, for example for maintenance. Saving changes needs an internet connection. We may change or improve features. If we remove a paid feature you are paying for, we'll tell you in advance and offer a fair remedy, such as a pro-rated refund.

Ending your use of Keptify

You can stop using Keptify and delete your account at any time from Settings → Account. Deleting your account permanently deletes your records and immediately cancels an active web subscription. It doesn't cancel an App Store or Google Play subscription; cancel that with Apple or Google.

We may suspend or close an account that seriously or repeatedly breaks these terms, or where the law requires it. Where reasonable we'll warn you first and give you a chance to export your records.

Disclaimers

Keptify is provided "as is" and "as available". To the extent the law allows, we make no promises that it will be uninterrupted or error-free or that it will meet every need you have. If you are a consumer, this doesn't affect your legal rights, including that digital content and services are as described, of satisfactory quality and provided with reasonable care and skill.

Liability

To the extent the law allows, we aren't liable for indirect or consequential losses, or for financial decisions you make using figures you entered into Keptify. Our total liability to you is limited to the greater of the amount you paid us in the 12 months before the claim and US$100.

Nothing in these terms limits liability that can't be limited by law, such as for death or personal injury caused by negligence, or for fraud. If you are a consumer, nothing in these terms affects your statutory rights.

Apps from the App Store

If you use Keptify on an Apple device: these terms are between you and us, not Apple. Apple has no obligation to provide maintenance or support for the app. If the app fails to meet any applicable warranty, you may notify Apple, which will refund the purchase price; Apple has no other warranty obligation. We, not Apple, are responsible for handling claims about the app, including product liability, legal compliance and intellectual property claims. You confirm you are not in a country subject to a US Government embargo and are not on a US Government list of prohibited or restricted parties. Apple and its subsidiaries are third-party beneficiaries of these terms and may enforce them.

Changes to these terms

We may update these terms. If a change is material, we'll tell you in the app or by email before it takes effect. If you don't agree, you can stop using Keptify and delete your account.

Law and disputes

These terms are governed by the laws of Egypt. If you are a consumer, you also keep the protection of the mandatory laws of the country where you live and may bring a claim there. Please contact us first so we can try to resolve any problem.

Contact

[LEGAL NAME], [ADDRESS/COUNTRY]. Email: [CONTACT EMAIL].