S Factor Technologies

KiraKira

KiraKira Terms of Use (EULA)

Last updated: 26 September 2026

Privacy Policy

This is not legal advice.

1. Acceptance of terms

By downloading, installing, or using KiraKira (“the App”), you agree to these Terms of Use. If you do not agree, do not use the App.

These terms apply to personal and small-business use of the App on devices you control.

2. What KiraKira is

KiraKira is a financial planning and tracking tool. It helps you record income, expenses, and savings, set goals, track a side-income project on a paid plan, and view summaries, forecasts, and insights based on the data you enter.

The App is a software tool only. It does not provide banking, payment processing, brokerage, lending, insurance, or regulated financial services.

3. Not financial, tax, or investment advice

Content in the App — including Money Momentum scores, forecasts, what-if scenarios, insights, goal projections, and project profit figures — is for general informational and planning purposes only.

Nothing in the App is financial, investment, tax, accounting, or legal advice. You are solely responsible for decisions you make with your money. Consult a qualified professional for advice specific to your situation.

4. Your account and your data

You are responsible for the accuracy of information you enter (transactions, accounts, goals, and profile details).

By default, your data is stored locally on your device. Optional features such as Google Drive or iCloud backup or CSV export only share data when you choose to use them and authenticate with the relevant service.

You may enable an optional app lock (PIN and device biometrics) to require unlock when opening the App. The App also hides on-screen balances in the system app switcher. Where the operating system allows, KiraKira excludes its local database from automatic device backups.

You are responsible for keeping your device secure, remembering any app lock PIN you set, and for any backups you create. See the KiraKira Privacy Policy.

5. Acceptable use

You agree to use the App only for lawful purposes and in a way that does not:

We may refuse or limit access to paid features if we reasonably believe these terms are being abused.

6. Subscriptions and paid features

Some features require a paid plan. Auto-renewable subscriptions offered in the App Store are:

Payment is charged to your Apple ID at confirmation of purchase. The subscription automatically renews unless you cancel at least 24 hours before the end of the current period. Your account is charged for renewal within 24 hours prior to the end of the current period, at the then-current price. You can manage and cancel in App Store settings. Any unused portion of a free trial, if offered, is forfeited when you purchase a subscription.

KiraKira Lifetime, when offered, is a one-time In-App Purchase and does not auto-renew.

Unless required by law or stated otherwise at purchase, fees are non-refundable once charged.

7. Intellectual property

KiraKira’s name, branding, design, and original App code and content are protected by intellectual property laws. You receive a limited, non-exclusive, non-transferable license to use the App for your own personal or internal business purposes.

You may not copy, modify, distribute, sell, or lease any part of the App except as allowed by these terms or by applicable open-source licenses for third-party components.

8. Open-source components

The App uses third-party open-source libraries. Those components remain subject to their own licenses. You can review them in About → Open-source licenses.

Nothing in these Terms limits your rights under those third-party licenses.

9. Disclaimers

The App is provided “as is” and “as available,” without warranties of any kind, whether express or implied, including merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that the App will be uninterrupted, error-free, or that forecasts or scores will be accurate or suitable for your needs. Calculations depend on the data you provide.

10. Limitation of liability

To the maximum extent permitted by law, S Factor Technologies is not liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, data, goodwill, or other intangible losses, arising from your use of (or inability to use) the App.

Where liability cannot be excluded, it is limited to the amount you paid for the App (if any) in the twelve (12) months before the claim, or the minimum amount required by law.

11. Changes to the App or these terms

We may update the App and these Terms from time to time. Continued use after an update means you accept the revised terms. The “Last updated” date at the top of this document will change when material updates are made.

If you do not agree to updated terms, stop using the App and uninstall it.

12. Termination

You may stop using the App at any time by uninstalling it. Local data is removed according to your device’s uninstall behaviour; export or back up first if you need a copy.

Provisions that by nature should survive (including disclaimers, limitation of liability, and intellectual property) continue after you stop using the App.

13. Governing law

These Terms are governed by the laws of Malaysia, without regard to conflict-of-law rules, unless mandatory consumer protection laws in your country of residence require otherwise.

14. Contact

For questions about these Terms, contact S Factor Technologies at sfactortechnologies@gmail.com.