Use Kibo for your own money and keep your account safe. You can cancel Premium in your store at any time.
1. Who provides Kibo
Kibo is provided by Saúl Molinero Malvido, Calle Simón Bolívar 14, 36203 Vigo (Pontevedra), Spain. Email: support@ki-bo.com.
These terms apply to the Kibo apps and to ki-bo.com. You accept them when you create an account or start using Kibo as a guest. The privacy policy explains how we handle your data.
2. Your account
- You need to be 14 or older to use Kibo. If you are under 18, you need a parent's or guardian's permission to buy Premium.
- Kibo is for your personal use. One account is for one person.
- Keep your sign-in details to yourself. If you think someone else used your account, write to us.
- A guest account lives on your phone. If you delete the app or change phones before you save it with an email, Apple or Google, your data can be lost.
3. Free plan and Premium
The free plan lets you log a set number of expenses each month. The app always shows your limit and how much of it you have used.
Premium removes that limit and adds the features listed in the app when you buy it. We keep improving Kibo, so features can change. We won't remove a main Premium feature during a period you have already paid for.
4. Subscriptions and payment
- You buy Premium through the App Store or Google Play. The store takes the payment and shows the price, in your currency, before you confirm.
- Premium renews on its own at the end of each period. To stop it, cancel in your App Store or Google Play subscription settings before the renewal date. Deleting the app or your Kibo account does not cancel it.
- If you get a free trial, the store shows how long it lasts and when the first charge happens. Cancel before it ends and you won't be charged.
- Apple and Google handle refunds under their own policies. We can't refund store purchases ourselves, but write to us and we'll help.
- If the price changes, the store tells you in advance and, where the law requires it, asks you to agree.
5. Right of withdrawal (EU)
If you live in the EU, you have 14 days from a purchase to withdraw from it without giving a reason. Premium starts as soon as you buy it, because you ask for it to. If the law treats Premium as digital content and you agreed at checkout to lose this right once it starts, you can no longer withdraw after it starts. Otherwise, if you withdraw, you may have to pay for the days you already had Premium.
To withdraw, ask Apple or Google Play for a refund, or write to support@ki-bo.com and we'll help.
6. AI suggestions
Kibo uses AI to suggest categories, amounts and images, and to read receipts, quick entries and bank statements. Suggestions can be wrong, so check them, and change anything that doesn't fit.
Kibo helps you see your own spending. It is not financial, tax or investment advice.
7. Fair use
Please don't:
- use Kibo to break the law;
- get into someone else's account or data;
- attack, overload or scrape the service, or copy or reverse-engineer the apps, except where the law allows it;
- use invites to send spam;
- resell Kibo or access to it.
8. Your data and our app
What you log is yours. You let us store and process it only to run Kibo for you, as the privacy policy describes. You can export your expenses or delete everything at any time.
The apps, the website, the name Kibo and its images belong to us. We give you a personal, non-transferable licence to use the apps while these terms apply. If you got the app from the App Store, Apple's standard licence terms apply as well.
9. Ending your account
- You can stop using Kibo at any time and delete your account in the app (Profile, then Delete account). Deletion is permanent. Cancel Premium in your store as well.
- We may suspend or close an account that seriously or repeatedly breaks these terms. We tell you why first and give you a chance to reply, unless the law or someone's safety stops us.
- If we ever close Kibo, we'll tell you at least 30 days before and give you time to export your data.
10. Liability
We work to keep Kibo running and your data safe, but we can't promise the service will always be available or free of errors. Export your records if you need a copy of your own.
We are responsible for loss you suffer that was foreseeable and caused by our breach of these terms or our lack of reasonable care. We are not responsible for loss that was not foreseeable or for business losses, because Kibo is for personal use.
Nothing in these terms limits liability that the law doesn't let us limit, including for fraud, gross negligence or wilful misconduct, or for death or personal injury caused by negligence. Nothing here takes away your rights as a consumer.
11. Changes to these terms
If we change these terms, we'll update the date at the top and show the new version in the app. For important changes, we'll tell you at least 30 days before they apply, unless a legal or security reason means they must apply sooner. If you don't agree, you can stop using Kibo, cancel Premium and delete your account.
12. Law and disputes
Spanish law applies to these terms. If you are a consumer, you also keep the protection of the mandatory laws of the country where you live, and you can take a claim to the courts where you live.
If something goes wrong, write to support@ki-bo.com first. We can usually fix things faster that way.