These Terms of Use ("Terms") govern your access to and use of Keshio — the mobile application, the website at keshio.app, Pro subscriptions, and related services (together, the "Service"). By creating an account, signing in, or using the Service, you agree to these Terms. If you do not agree, do not use Keshio.
1. Who we are
Keshio is operated for the product available at keshio.app. Contact: [email protected].
2. What Keshio is (and is not)
Keshio is a personal finance tool for individuals in Kenya and elsewhere. It helps you review spending (including from on-device SMS where you grant permission), set budgets and goals, and optionally subscribe to Pro features.
Keshio is not a bank, payment service provider, M-Pesa agent, credit provider, or licensed financial adviser. We do not move money on your behalf, hold deposits, issue cards, or guarantee the accuracy of third-party SMS or bank messages. Information in the app is for personal organisation only and is not investment, tax, legal, or credit advice.
3. Eligibility and accounts
- You must be able to form a binding contract under applicable law (generally 18+ in Kenya).
- App accounts use Google Sign-In via Firebase Authentication. You are responsible for the Google account you use and for keeping that account secure.
- You must provide accurate information when asked (for example, email for billing or support).
- One person should not misuse another's account. We may suspend access that appears abusive, fraudulent, or unlawful.
4. Your data and device permissions
Subject to our Privacy Policy:
- Transaction ledgers, budgets, and related records are primarily stored on your device unless you choose features that sync or back up elsewhere (for example Google Drive backup or Pro entitlement checks).
- SMS reading, if enabled, happens with your permission and is used to help classify mobile-money and bank alerts. You can revoke SMS permission in system settings.
- You remain responsible for the content you import and for complying with any third-party terms that apply to M-Pesa, banks, Google, or other providers.
5. Acceptable use
You agree not to:
- Use the Service for unlawful, harmful, or deceptive purposes
- Attempt to break into, scrape, overload, or reverse-engineer the Service except as allowed by law
- Interfere with other users' use of the Service
- Misrepresent your identity or payment details
- Use automated means to abuse referrals, promotions, or Pro trials
6. Keshio Pro and payments
- Some features require an active Pro subscription. Pricing and duration are shown at checkout on keshio.app.
- Payments are processed by our payment partner (currently Paystack). Card and mobile-money handling is subject to that provider's terms and your bank or wallet provider's rules.
- Subscriptions are tied to your signed-in account (Firebase / Google identity). Restoring Pro on a new device requires signing in with the same account.
- Unless required by law or clearly stated at purchase, fees are non-refundable once payment succeeds. Contact [email protected] for billing issues.
- We may change Pro pricing or features with reasonable notice on the site or in the app. Changes do not affect periods you have already paid for except as required by law.
7. Referrals
Invite rewards (if offered) are promotional. We may limit, delay, or cancel rewards for self-referral, fraud, or abuse. Reward months and caps are described in the app.
8. Intellectual property
Keshio branding, software, and site content are owned by us or our licensors. You receive a limited, personal, non-exclusive licence to use the app and site for their intended purpose. You keep ownership of your own ledger data.
9. Third-party services
The Service depends on third parties such as Google (Sign-In, Firebase, optional Drive), device OS vendors, SMS networks, and Paystack. Their availability and terms are outside our control. Outages or policy changes at those providers may affect Keshio.
10. Disclaimers
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE." TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. We do not warrant that SMS parsing, categorisation, insights, or balances will be complete or error-free.
11. Limitation of liability
To the fullest extent permitted by law, Keshio and its operators will not be liable for indirect, incidental, special, consequential, or punitive damages, or for loss of profits, data, or goodwill, arising from your use of the Service. Our total liability for any claim relating to the Service is limited to the greater of (a) the amount you paid us for Pro in the 12 months before the claim or (b) USD 50 (or equivalent). Some jurisdictions do not allow certain limits; in those cases our liability is limited to the maximum allowed by law.
12. Indemnity
You agree to indemnify and hold harmless Keshio and its operators from claims arising out of your misuse of the Service, your violation of these Terms, or your violation of others' rights — except to the extent caused by our wilful misconduct.
13. Suspension and termination
You may stop using the app and delete local data at any time. We may suspend or terminate access if you breach these Terms, if required by law, or to protect the Service or other users. Provisions that by nature should survive (including ownership, disclaimers, liability limits, and indemnity) survive termination.
14. Changes
We may update these Terms. The "Last updated" date will change when we do. Continued use after changes become effective constitutes acceptance of the updated Terms. Material changes may also be highlighted on keshio.app or in the app.
15. Governing law
These Terms are governed by the laws of Kenya, without regard to conflict-of-law rules. Courts in Kenya have exclusive jurisdiction, subject to any mandatory consumer protections that apply where you live.
16. Contact
Questions about these Terms: [email protected].