Terms & Conditions

The short version

• Kise is a record-keeping tool. It is not a bank, does not hold or move your money, and does not give financial advice.
• Your records live on your phone. Keeping the phone secure and keeping a backup is your responsibility.
• Kise is free for your first 5 days of recording. After that, full use needs a paid 6-month access period.
• What Kise reads from bank messages can be wrong. You check each entry before it is saved.

On this page

1. 1. These terms
2. 2. What Kise is
3. 3. Who may use Kise
4. 4. No account: your phone, your responsibility
5. 5. Bank and wallet messages
6. 6. Free period and paid access
7. 7. Acceptable use
8. 8. Ownership
9. 9. Other services
10. 10. Updates and availability
11. 11. No warranty
12. 12. Limit of liability
13. 13. Ending
14. 14. Changes to these terms
15. 15. Governing law
16. 16. Contact

1. These terms

These terms are an agreement between you and Biruk Getaneh, Addis Ababa, Ethiopia ("we", "us"), the publisher of the Kise app (application ID com.kiselabs.kise). By installing or using Kise you agree to them. If you do not agree, do not use the app.

How Kise handles information is described in the Privacy Policy, which forms part of these terms.

2. What Kise is

Kise is a personal money tracker. It records what you earn, spend, move and save across cash, mobile wallets and bank accounts, and shows you where your money goes. It can read the SMS alerts your banks and wallets send you and turn them into entries.

Kise is not a bank, wallet, payment service or financial adviser. It does not hold, send or receive money, and it has no connection to your accounts other than reading the alerts those providers send to your phone. Totals, insights and projections in the app are information to help you; they are not financial, tax or legal advice.

Kise is not affiliated with, endorsed by or operated by Ethio telecom (telebirr), the Commercial Bank of Ethiopia or any other bank or wallet whose messages it can read. Their names are used only to identify their messages.

3. Who may use Kise

You may use Kise if you are an adult able to enter into this agreement under the law where you live, and you use it for your own personal or household finances. You may only give Kise access to SMS on a phone and SIM that are yours or that you are authorised to use.

4. No account: your phone, your responsibility

• Kise has no user accounts. Your records are stored only on your phone, and we cannot see, restore or transfer them.
• You are responsible for keeping your phone and the app locked, and for anyone you let use them.
• You are responsible for making backups. If your phone is lost, damaged or reset and you have no backup, your records are gone.
• A backup is protected by the password you choose. We do not have it. If you forget it, the backup cannot be opened.
• An app lock PIN or password you forget cannot be recovered by us.

5. Bank and wallet messages

• With your permission, Kise reads SMS from the banks and wallets switched on in the app, as described in the Privacy Policy.
• Reading amounts, balances and names from messages is automatic and can be wrong or incomplete, and providers change their message wording without notice. You are responsible for checking each entry before you confirm it, and for comparing your balances with your bank or wallet.
• Your bank's or wallet's own records are always the authority on your account. Kise's figures are your personal notes.
• Some messages may not arrive, may arrive late, or may not be recognised. Kise does not guarantee that every transaction will appear.

6. Free period and paid access

Free period

Kise is free to use in full on the first 5 calendar days on which you record something. After that, the app becomes read-only until access is paid for: you can still open it and see everything you recorded, but you cannot add or change entries.

Paid access

• Paid access is sold in periods of 6 months (180 days).
• The price is shown in the app before you pay. At the date of these terms it is 500 birr for the first 6-month period and 1,000 birr for each later period.
• You pay by a telebirr or Commercial Bank of Ethiopia transfer to the payee shown in the app. The payment is made in your own wallet or bank app; fees charged by your provider are yours to pay.
• Kise confirms your payment by reading the confirmation SMS from telebirr or CBE on the phone where Kise is installed. The transfer must be made from a wallet or account whose confirmation message arrives on that phone, for at least the price, to the payee shown, on the day you activate or the day before.
• A period you buy while a paid period is still running is added to the end of it. A period bought after access has lapsed starts on the payment date.
• Access does not renew automatically and you are never charged without making a transfer yourself. When a period ends, the app becomes read-only until you pay for another.
• Access is for the phone on which the payment message was received. After a reinstall on the same phone, Kise can restore access from the payment messages still on the phone.

Price changes

We may change prices. A change applies to periods bought after it takes effect, never to a period you have already paid for.

Refunds

If the given access is not provided, we will refund the payment within 3 days of the request. Please contact us at the support email to request a refund.

7. Acceptable use

You agree not to:

• get around, disable or tamper with the free-period and access checks, or use altered copies of the app to do so;
• copy, resell or redistribute the app, except as the law allows;
• use Kise to read messages on a phone or SIM you are not authorised to use;
• use Kise for anything unlawful.

8. Ownership

The Kise app, name, logo and content belong to us or our licensors. We give you a personal, non-transferable, non-exclusive licence to install and use the app under these terms. Your records are yours.

9. Other services

Kise works alongside services run by others: your banks and wallets, your mobile network's SMS, Android and Google Play, any storage service you save a backup to, and YouTube for the video guides. Your use of those is governed by their own terms, and we are not responsible for them.

10. Updates and availability

We may update Kise, add or remove features, or stop offering it. If we stop offering it during a period you have paid for, the copy on your phone will keep working as it is, and your records remain on your phone.

11. No warranty

Kise is provided "as is" and "as available". To the fullest extent the law allows, we make no promise that it will be free of errors or interruptions, that it will read every message correctly, or that its figures will match your bank's. Nothing in these terms removes rights that the law says cannot be removed.

12. Limit of liability

To the fullest extent the law allows:

• we are not liable for loss of data, for decisions you make using Kise's figures, for missed or late payments, for charges from your bank, wallet or mobile network, or for any indirect or consequential loss;
• our total liability to you for any claim about Kise is limited to the amount you paid us for access in the 12 months before the claim.

Nothing in these terms limits liability that cannot be limited by law.

13. Ending

• You can stop using Kise at any time by uninstalling it. The Privacy Policy explains what that removes.
• Paid access ends when the period you paid for ends.
• We may end your licence to use Kise if you seriously break these terms, for example by tampering with the access checks.
• Sections 8, 11, 12 and 15 continue to apply after these terms end.

14. Changes to these terms

We may update these terms. The version and date at the top of this page will change, and where a change is significant we will tell you in the app before it takes effect. If you keep using Kise after a change takes effect, you accept the new terms.

15. Governing law

These terms are governed by The laws of the Federal Democratic Republic of Ethiopia. This does not take away any protection that the consumer law of the place where you live gives you and that cannot be set aside by agreement.

16. Contact

Biruk Getaneh
Addis Ababa, Ethiopia
kise.support@gmail.com