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LEGAL

Terms of Service

Effective date: [date of publication TBC]

Legal entity: Kaibr is provided by Kaibr Technologies Pty Ltd (ACN 704 097 870, ABN 66 704 097 870).

The short version Draft

  • Kaibr is A$2.99 a week after a 7-day free trial for new subscribers, billed through Apple until you cancel.
  • Cancel in your Apple account at least 24 hours before renewal to avoid the next charge.
  • Kaibr’s insights are general information, not financial advice, and cashback rates are set by merchants and can change.
On this page
  1. 1. Agreement
  2. 2. What Kaibr is
  3. 3. Eligibility and your account
  4. 4. Bank connection through Fiskil
  5. 5. The AI Money Agent
  6. 6. Free trial
  7. 7. Subscription and billing
  8. 8. Cancellation and refunds
  9. 9. Card-linked cashback with PokitPal
  10. 10. Spot
  11. 11. Acceptable use
  12. 12. Intellectual property
  13. 13. Australian Consumer Law and liability
  14. 14. Complaints
  15. 15. Suspension and ending the Service
  16. 16. Changes to these Terms
  17. 17. Governing law
  18. 18. Contact us
  19. Schedule: App Store terms

1. Agreement #

These Terms and Conditions ("Terms") are a contract between you and Kaibr ("Kaibr", "we", "us", "our") for your use of the Kaibr app for iPhone, our website and related services (the "Service"). By creating an account, connecting a bank, starting a free trial or subscribing, you agree to these Terms and our Privacy Policy. If you do not agree, please do not use the Service.

2. What Kaibr is #

Kaibr is an AI Money Agent. It uses the bank data you choose to share through the Consumer Data Right (CDR) to give you insights, briefs, alerts, nudges and budgeting tools. Kaibr also offers optional card-linked cashback with PokitPal (section 9).

Kaibr is available on iPhone only. It is not available on Android, and you cannot subscribe on our website.

3. Eligibility and your account #

You must be at least 18 and an Australian resident [residency requirement TBC]. Please give us accurate details and keep your sign-in details secure. Tell us promptly if you think someone has used your account without permission.

4. Bank connection through Fiskil #

4.1 How it works. Kaibr is not an accredited data recipient. Kaibr is a CDR representative of Fiskil Pty Ltd (ABN 89 646 260 728), an accredited data recipient (accreditation number ADRBNK000246). When you connect a bank account, Fiskil collects your bank data from your bank at our request and discloses it to us so we can provide the Service. Fiskil is not a party to these Terms.

4.2 Read-only access. Our access to your bank data is read-only. We can see the account information you agree to share. We cannot make payments, move money or change your accounts with this access.

4.3 Your consent. You choose which accounts and data to share and for how long (no more than 12 months), and you confirm sharing with your bank. We will never ask for your online banking password.

4.4 Withdrawing consent. You can withdraw consent at any time in the app, through your bank's data sharing dashboard, or by contacting us. When consent ends, bank-based features stop and your CDR data is deleted as described in our Privacy Policy and Fiskil's CDR Policy (https://www.fiskil.com/legal/cdr-policy).

4.5 Separate from your subscription. Withdrawing CDR consent does not cancel your subscription, and cancelling your subscription does not withdraw your CDR consent. Each must be done separately.

4.6 Availability. Bank data depends on your bank's systems, Fiskil's platform and our arrangement with Fiskil. Data can sometimes be delayed, incomplete or unavailable.

5. The AI Money Agent #

5.1 General information only. Kaibr gives general information about your own spending and provides budgeting tools. It is not financial product advice or credit advice. Kaibr does not recommend or arrange any financial product or provider, and it does not give tax or legal advice. It does not consider your objectives, financial situation or needs. For decisions about financial products, tax or debt, consider speaking to a licensed professional.

5.2 How figures are produced. Amounts and totals are calculated by our systems from your bank data. The AI model explains them.

5.3 AI can make mistakes. AI content can be incomplete or wrong, and categories can be wrong. Please check important information against your bank records. If something looks wrong, tell us and we will review it. You remain responsible for your money decisions.

5.4 Nudges. Kaibr uses automated processes to choose which nudges to show you and when. We send no more than 3 nudges in any 7-day period. A nudge may include a one-tap action. One-tap actions currently use Kaibr features only, such as setting a budget, a goal or a reminder, or recategorising a transaction. They do not make payments or move money. Push notifications use generic wording without amounts or account details. You can turn nudges and notifications off at any time.

6. Free trial #

6.1 Who can get it. New subscribers can get a 7-day free trial, once. Apple decides eligibility: one free trial per Apple ID. If you are not eligible, the paywall tells you before you confirm.

6.2 How it ends. Your trial starts when you confirm the subscription with Apple. Unless you cancel at least 24 hours before the trial ends, Apple charges A$2.99 when the trial ends and then every week until you cancel. Nothing is charged during the trial.

6.3 Reminder. [Kaibr trial-end reminder TBC: "We will remind you by email and in the app at least 3 days before your trial ends."]

7. Subscription and billing #

7.1 Price. The Kaibr subscription costs A$2.99 per week. It renews automatically every week until you cancel.

7.2 Billed by Apple. Subscriptions are sold only through Apple In-App Purchase in the Kaibr iPhone app. Apple charges the payment method on your Apple Account, issues receipts and handles renewals and billing. We do not see your card details for your subscription. We charge no other fees.

7.3 Billing problems. If Apple cannot take a payment, Apple may retry and ask you to update your payment method. Your access may pause until payment is collected. We do not charge late or failed-payment fees.

7.4 Price changes. If we increase the price, we will tell you at least 30 days before it applies, and Apple will also notify you. You can cancel before the new price applies.

8. Cancellation and refunds #

8.1 Cancel any time in your Apple account. To cancel, open the Kaibr app and go to Account, then Manage subscription, or on your iPhone go to Settings, then your name, then Subscriptions, then Kaibr. To avoid being charged for the next week, cancel at least 24 hours before your renewal date (or before your trial ends). We cannot cancel an App Store subscription for you, but we can show you how.

8.2 After you cancel. Your access continues until the end of the trial or the week you have paid for, and no further charges are taken.

8.3 Deleting the app does not cancel. Deleting the app or your Kaibr account does not cancel your subscription. Cancel through Apple.

8.4 Refunds. Refund requests for App Store charges are made to Apple at reportaproblem.apple.com, and Apple decides them. You can also contact us and we will help.

8.5 Your consumer rights. Our services come with guarantees that cannot be excluded under the Australian Consumer Law. For major failures with the service, you are entitled to cancel your service contract with us and to a refund for the unused portion, or to compensation for its reduced value. You are also entitled to be compensated for any other reasonably foreseeable loss or damage. If a failure does not amount to a major failure, you are entitled to have problems with the service rectified in a reasonable time and, if this is not done, to cancel your contract and obtain a refund for the unused portion of the contract. If you are entitled to a remedy from us and Apple does not provide it, we will.

9. Card-linked cashback with PokitPal #

9.1 What it is. Kaibr offers optional card-linked cashback through our partner PokitPal [PokitPal legal entity name and ABN TBC]. You can link one or more of your existing debit or credit cards. You do not need a new card.

9.2 How you earn. When you pay with a linked card at a participating merchant and meet the offer conditions, you may earn cashback. Each offer shows its rate and conditions.

9.3 Merchant-funded. Cashback is funded by participating merchants, not by Kaibr.

9.4 No guarantee. Offers, merchants and rates change and can end at any time. We do not guarantee any rate, offer or amount of cashback. Cashback may not track if a purchase is not matched, for example because of how the merchant processes it, and it can be reversed if a purchase is refunded or cancelled.

9.5 Payment of cashback. [How and when cashback is paid, minimum payout amounts and any expiry: TBC against the PokitPal agreement.]

9.6 Your data. Linking a card shares information with PokitPal as described in our Privacy Policy. We do not share your CDR bank data with PokitPal.

9.7 Unlinking. You can unlink a card at any time in the app. [Additional PokitPal programme terms and link: TBC.]

10. Spot #

[PLACEHOLDER: show only if Spot is live. "Spot loans are provided by Kaibr Capital Pty Ltd under separate Spot terms."]

11. Acceptable use #

You must not misuse the Service, try to access it without permission, scrape or overload our systems, reverse engineer it except where the law allows, connect bank accounts or cards you are not authorised to use, or use the Service for anything unlawful. We may suspend or end access if you do.

12. Intellectual property #

Kaibr and its licensors own the Service, its software, branding and content. We give you a personal, non-exclusive, non-transferable licence to use the Service under these Terms. You keep your rights in your data and let us use it to provide the Service as described in our Privacy Policy and, for CDR data, only as your consent allows.

13. Australian Consumer Law and liability #

Nothing in these Terms excludes, restricts or changes any right or remedy you have under the Australian Consumer Law or any other law that cannot be excluded. Subject to those rights:

  • we are not liable for indirect or consequential loss, or for loss caused by your bank, Apple, PokitPal or other third-party systems outside our reasonable control, except to the extent caused by our breach or negligence; and
  • our total liability to you under these Terms is limited to the greater of the subscription fees you paid in the 12 months before the claim and A$100.

14. Complaints #

If you are unhappy with Kaibr, please tell us (section 18).

  • We will acknowledge your complaint within 1 business day.
  • We aim to give you our final response within 30 calendar days. If we need longer, we will tell you why and keep you updated.

For complaints about your CDR data you can also contact Fiskil's Complaints Officer at complaints@fiskil.com.au. For privacy complaints you can contact the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au.

[AFCA: show only once membership is confirmed. "If you are not satisfied with our response, you can contact the Australian Financial Complaints Authority (AFCA): www.afca.org.au, 1800 931 678."]

15. Suspension and ending the Service #

We may suspend or end your access if you breach these Terms, if the law or a regulator requires it, for security reasons, or if our arrangement with Fiskil is suspended or ends. If we stop offering the Service, we will give you reasonable notice and stop renewals. You can stop using Kaibr and cancel at any time.

16. Changes to these Terms #

We may update these Terms. The version on our website shows its effective date, and we will tell you about significant changes. Price changes follow section 7.4.

17. Governing law #

These Terms are governed by the laws of New South Wales, Australia.

18. Contact us #

Schedule: App Store terms #

  1. These Terms are between you and Kaibr only, not Apple. Kaibr, not Apple, is responsible for the app and its content.
  2. Your licence to use the app is non-transferable and limited to Apple-branded products you own or control, as permitted by the Usage Rules in the Apple Media Services Terms and Conditions, including Family Sharing where Kaibr enables it.
  3. Kaibr, not Apple, is responsible for maintenance and support of the app.
  4. Kaibr is responsible for any product warranties not effectively disclaimed. If the app fails to conform to a warranty, you may notify Apple, and Apple will refund the purchase price of the app (if any). To the maximum extent permitted by law, Apple has no other warranty obligation for the app.
  5. Kaibr, not Apple, is responsible for addressing claims relating to the app, including product liability claims, claims that the app fails to meet a legal or regulatory requirement, and claims under consumer protection, privacy or similar laws.
  6. Kaibr, not Apple, is responsible for investigating, defending, settling and discharging any third-party claim that the app infringes intellectual property rights.
  7. You confirm that you are not located in a country subject to a United States Government embargo or designated as a "terrorist supporting" country, and that you are not on any United States Government list of prohibited or restricted parties.
  8. You must comply with third-party terms that apply when you use the app, such as your mobile data plan and your bank's data sharing terms.
  9. Questions, complaints or claims about the app: Kaibr Technologies Pty Ltd trading as Kaibr, ACN 704 097 870, ABN 66 704 097 870, [postal address TBC], [telephone TBC], support@kaibr.ai.
  10. Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you.
Questions? Contact us →