KiraKira
KiraKira Terms of Use
Last updated: 17 August 2026
By downloading, installing or using KiraKira (“the App”), you agree to these terms. If you do not agree, do not use the App. These terms apply to personal and small-business use on devices you control. This is not legal advice.
1. What KiraKira is
KiraKira is a financial planning and tracking tool. It helps you record income, expenses and savings, set goals, and view summaries, forecasts and insights based on the data you enter.
The App is software only. It does not provide banking, payment processing, brokerage, lending, insurance or other regulated financial services.
2. Not financial, tax or investment advice
Content in the App — including Money Momentum, forecasts, what-if scenarios, insights and goal projections — is for general informational and planning purposes only. You are responsible for decisions you make with your money.
3. Free functionality
The free plan includes core tracking for income and expenses, a basic dashboard, one active goal, and a basic monthly report, together with on-device storage and optional app lock. Exact entitlements are shown in the App and may be refined as the product grows.
4. Paid functionality
KiraKira Pro (and any lifetime offer, if made available) unlocks additional features such as unlimited goals, forecasting, cash-flow projection, what-if planning, advanced reports, export, receipt scanning, multiple accounts, and Google Drive backup. The App shows what you are buying before you confirm.
5. Subscriptions, renewal and cancellation
Paid subscriptions are sold and renewed through the Apple App Store or Google Play, not through aS Factor Technologies checkout page. Unless you cancel, a subscription renews at the end of the current period for the then-current price shown by the store.
Cancel through the store account you used to subscribe, before the renewal date, using Apple’s or Google’s subscription settings. Uninstalling the App does not by itself cancel a store subscription.
6. Lifetime purchases
If a lifetime (one-time) purchase is offered, it is billed once through the store and unlocks the paid feature set described at the time of purchase, without a recurring subscription. Availability of a lifetime option can change; it is only sold if it appears as an offer in the App or store listing.
7. Restore purchases
After reinstalling or changing devices, use Restore purchases in the App while signed in to the same Apple or Google account. Purchases are tied to that store account, not to a KiraKira login.
8. Refunds and store billing
Payments are processed by Apple or Google. Refund requests are handled under the store’s policies and applicable consumer law. Unless required by law or stated otherwise at purchase, fees may be non-refundable once charged.
9. Your data
You are responsible for the accuracy of information you enter. By default, data stays on your device. Optional Google Drive backup or file export only share data when you choose those features. Keep your device secure, remember any app-lock PIN, and keep backups if you need them. See theKiraKira Privacy Policy.
10. Acceptable use
You agree to use the App only for lawful purposes and not to:
- Misrepresent income, expenses or savings for fraudulent purposes
- Attempt to reverse engineer, disrupt or abuse the App
- Violate applicable laws or third-party rights
11. 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 licence to use the App for your own personal or internal business purposes.
12. Disclaimers and liability
The App is provided “as is” and “as available,” without warranties of any kind to the maximum extent permitted by law. Calculations depend on the data you provide. Forecasts and scores may be incomplete or unsuitable for your needs.
To the maximum extent permitted by law, S Factor Technologies is not liable for indirect, incidental, special, consequential or punitive damages, or for loss of profits, data or goodwill, arising from use of the App. Where liability cannot be excluded, it is limited to the amount you paid for the App (if any) in the twelve months before the claim, or the minimum amount required by law.
13. Changes and termination
We may update the App and these terms. The “Last updated” date will change when material updates are made. Continued use after an update means you accept the revised terms. You may stop using the App by uninstalling it. Local data is removed according to your device’s uninstall behaviour.
14. 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.