Terms of Use

These terms apply to Kipi at kipibudget.com and the Kipi app for iPhone, run from California, USA ("Kipi", "we", "us"). By creating an account or using Kipi, you agree to them. If you don't agree, please don't use Kipi.

What Kipi is

Kipi helps you log your income and spending by hand and compare it with targets you set. It is a tracking tool, not a bank, and it does not give financial, tax, investment or legal advice. Any numbers it shows come from what you enter, so decisions about your money are yours.

Your account

• You need to be at least 13 years old to use Kipi.
• Give accurate sign-up details and keep your password safe. You're responsible for activity on your account.
• Tell us at support@kipibudget.com if you think someone else has accessed your account.
• You can try the iPhone app without an account. Until you create an account or sign in, your budget is saved only on that iPhone: if you delete the app or lose the phone, it's gone and we can't recover it.

Kipi Premium

• Free trial. New accounts get a 1-week free trial with everything included. One free trial per person. If you already had a Kipi account before Kipi Premium launched, your free trial starts on the day it launches. If you start in the iPhone app without an account, your free trial starts the first time you open it and carries on in the account you create: one week in total.
• After the trial. Adding new entries needs Kipi Premium. Without it you can still view, edit and delete everything you've entered, your repeating entries keep being added, and you can delete your account at any time.
• Price. Kipi Premium is US$2.99 a month in the US and €2.99 a month in euro countries; elsewhere the App Store shows the price in your currency. The price and any taxes are shown before you confirm. If we change the price, we'll tell you in advance, and you can cancel before it applies.
• Automatic renewal. If you subscribe when your trial ends, or at any time later, your subscription renews every month on the same day of the month you first paid, and you're charged each time it renews until you cancel. In the app, payment is charged to your Apple account; on our website, it's charged by our payment partner Paddle, which is the seller of record.
• Cancelling. Cancel at least 24 hours before your renewal date to avoid the next charge. For App Store subscriptions, cancel on your iPhone in Settings → your name → Subscriptions; for website subscriptions, use the Manage link in Kipi's Settings or the link in your receipt email. You keep Premium until the end of the month you've already paid for, which runs to the same day next month. Deleting the app or your Kipi account doesn't cancel your subscription.
• Refunds. App Store purchases are refunded by Apple under its policies (request one at reportaproblem.apple.com). Website purchases can be refunded in full within 14 days of a payment; see our Refund policy. Nothing in these terms limits refund rights you have under the law where you live.

Your data

What you enter stays yours. You let us store and process it only to run Kipi for you, as described in our Privacy Policy. You can delete your account at any time in Settings.

AI apps and Quick add

You can choose to connect Kipi to an AI app such as Claude, ChatGPT or Gemini, or use Kipi's Quick add link (for example from Apple Pay through the Shortcuts app). When you do, that app can add entries to your budget for you.

• AI apps can misread what you say or what's on a receipt. Please check the entries they add; you can edit or delete them in Kipi at any time.
• Kipi isn't responsible for what an AI app says or does, or for entries it adds by mistake. Each app is run by its own company under its own terms and privacy policy.
• Quick add only fills in a new entry. Nothing is saved until you tap Save.
• Adding entries this way follows the same rules as adding them in Kipi, including needing Kipi Premium after your free trial. You can disconnect an AI app at any time in that app.

Fair use

Please don't misuse Kipi: no breaking the law with it, attempting to access other people's accounts or data, interfering with or overloading the service, or copying or reselling it.

Changes and availability

We may add, change or remove features. If a change takes away something you've paid for, we'll tell you in advance. We aim to keep Kipi running and your data safe, but we can't promise it will always be available or error-free, so keep your own records of anything important.

Ending your use

You can stop using Kipi and delete your account in Settings whenever you like. We may suspend or close accounts that break these terms or put the service or other users at risk.

If you got Kipi from the App Store

These terms are between you and Kipi, not Apple. Apple isn't responsible for the app, its content, maintenance or support, or for any claims about it, including product liability, legal or regulatory claims and claims that it infringes someone's rights; we are, as far as these terms say. If the app doesn't meet a warranty that applies by law, you can tell Apple and Apple will refund the price you paid for it, and Apple has no other warranty obligation. You must also follow the App Store's terms that apply to you. Apple and its subsidiaries can enforce these terms against you as a third party.

Disclaimer and limits

Kipi is provided "as is" and "as available", without warranties of any kind, to the fullest extent the law allows. To the same extent, we aren't liable for indirect or consequential losses, or for decisions you make based on what Kipi shows. Our total liability for any claim about Kipi is limited to the greater of US$50 or what you paid us in the 12 months before the claim. Some places don't allow these limits, so they may not all apply to you.

If something goes wrong

If you have a problem with Kipi or a charge, please email support@kipibudget.com first and tell us what happened. We'll work with you to sort it out, and if we haven't within 30 days, either of us can take it further. Most problems are fixed this way, faster and at no cost to you.

If it can't be settled, either of us can bring a claim in small claims court where you live, if it qualifies. Otherwise, claims go to the state or federal courts in Los Angeles County, California. Nothing here takes away the right you may have, for example as a consumer in the European Union or the UK, to bring a claim in the courts where you live.

Law

These terms are governed by the laws of the State of California, USA, without regard to its conflict-of-laws rules. If you live in the European Union or the UK, you also keep the protection of the consumer laws where you live.

Changes to these terms

If we change these terms, we'll update the date above and, for important changes, let you know in the app or by email. Continuing to use Kipi after that means you accept the new terms.

Contact

Questions: support@kipibudget.com.