Terms of Use

Effective date: 1 November 2026

KeepWise is owned and operated by keepWise LLC, a company registered in the United States (“KeepWise”, “we”, “us”). Contact: support@mykeepwise.com.

Please read these Terms of Use (the "Terms") carefully. They form a legally binding agreement between you and the operator of KeepWise ("KeepWise", "we", "us" or "our") and govern your use of the KeepWise website, installable web app and mobile apps (together, the "Service").

By accessing or using the Service, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service.

1. Eligibility

You must be at least 18 years old, and have the legal capacity to enter into a binding agreement, to use the Service. By using the Service, you confirm that you meet these requirements. We ask for your date of birth when you create an account, and we may close any account that we reasonably believe belongs to a person under 18.

2. The Service

KeepWise is a personal finance tool that helps you organise a budget, track subscriptions and bills, compare cheaper alternatives, store promotional codes, record amounts shared with other people and estimate how much money you will have at the end of a month. The Service runs on your device, and the financial information you enter is stored on your device. If you create an optional account, your profile is stored online. Both are described in our Privacy Policy.

We may add, change, suspend or remove any feature of the Service at any time. Some features may be offered for testing purposes and may not work as intended.

Apps from Google Play and the App Store. If you get KeepWise from Google Play or Apple's App Store, these Terms are between you and us only, not with Google or Apple, and we alone are responsible for the app and its content. Your use of the app must also follow the rules of the store you got it from. Google and Apple have no obligation to provide maintenance or support for KeepWise. If the app fails to meet a warranty that applies by law, you may tell the store, which may refund the price you paid for the app (KeepWise is free to download); to the fullest extent permitted by law, the store has no other warranty obligation for it. Google and Apple are not responsible for any claim relating to the app, including product liability claims, claims that it fails to meet a legal or regulatory requirement, consumer protection or privacy claims, or claims that it infringes someone else's intellectual property; we are responsible for those to the extent these Terms provide. You confirm that you are not located in a country subject to a United States government embargo and are not on any United States government list of prohibited or restricted parties. Apple and its subsidiaries are third-party beneficiaries of these Terms for apps from the App Store, and may enforce them against you.

3. Accounts

You can use the Service without an account. If you create one, you agree that:

the information you provide, including your name, date of birth, email address and any phone number, is accurate, belongs to you and will be kept up to date;
you will create only one account, for yourself, and will not create an account on behalf of anyone else;
you will keep your password confidential and are responsible for all activity under your account;
you will tell us promptly if you believe your account has been used without your permission.

Your account holds your profile only. Your budgets, subscriptions, amounts owed and bank statements are stored on your device and are not part of your account. You may delete your account at any time from the bottom of your profile, or by email as described on our Delete your account page. Our handling of account information is described in our Privacy Policy.

4. Communications

If you create an account, we may send you service messages about your account, security, changes to these Terms or our Privacy Policy, and problems or delays affecting the Service. These messages are part of the Service. We will send you offers, birthday deals and news only if you opt in, and you may opt out at any time using your profile or the unsubscribe link in any marketing email. Any offer we tell you about is provided by the business making it, on that business's terms, and may be withdrawn or changed by that business at any time.

Reminders about your subscriptions are different. They are created by the app on your own device, only if you turn them on, and you can turn them off at any time. A reminder is a prompt to review a subscription. It is not a notice that a payment is due, and you should not rely on it to avoid a charge.

5. Not financial advice

The Service provides general information and estimates only. It does not provide financial, investment, tax, accounting, legal or credit advice, and nothing in the Service is a recommendation to buy, sell, cancel, keep or change any product, service, account or subscription. We are not a bank, financial adviser, broker, credit provider or regulated financial services firm.

If you add a loan, a credit card or another debt, KeepWise may work out an interest rate and a finish date from the numbers you enter. These are estimates based on equal payments. They do not include fees, changes in rate or the terms of your agreement, and your lender's figures always take priority.

The Giving section only records what you tell it you give. KeepWise does not collect, hold or pass on donations, does not recommend or vouch for any organisation, and has no part in anything you give. Balances shown from Split are a record between you and the people you name, and KeepWise does not move money between you.

Projections, totals, savings estimates, spending categories and suggestions are produced automatically from the information available to the Service and may be incomplete or inaccurate. You are solely responsible for your financial decisions. You should verify all information independently and, where appropriate, seek advice from a qualified professional before acting on it.

6. Bank statement import and automated detection

If you import a bank statement, the Service automatically identifies items such as income, pay dates, taxes, bills, loan payments, giving, spending and subscriptions. Statement formats vary between banks, and automated detection may misread, miss, duplicate or misclassify transactions. A scanned statement or a photo is read from the picture, and a letter, a digit or a whole line can be misread, so check every line against your statement. Nothing from a statement is added to your plan until you tick it and choose to add it. Where a statement does not show whether a line was money coming in or going out, the Service asks you and leaves that line out until you answer. Items the Service is less sure about are marked and left unticked. You can leave any line out or move it to a different group. You are responsible for reviewing the results before relying on them.

Outside the optional bank connection in KeepWise Plus, the Service does not connect to your bank. It never initiates payments and does not cancel subscriptions on your behalf. Any cancellation, change or payment is made by you directly with the relevant provider, subject to that provider's own terms, including any notice periods, fees or renewal dates.

You must only import statements for accounts that you own or are authorised to access.

Renewal dates and "Coming up" reminders are based on the dates you enter or the charges found in a statement. Providers can change billing dates at any time, so always check the date with the provider before relying on it. "How to cancel" links open the provider's own help page, or a web search when we do not have one. Those pages belong to the provider and may change.

7. Your information and your responsibilities

You are responsible for the accuracy of the information you enter and for maintaining the security of the device on which you use the Service. Because your financial information is stored only on your device, we cannot access, back up or restore it. You may lose your information if you clear your browser data, uninstall the app, reset or lose your device, or if your device's storage fails. You are responsible for keeping any records you need.

The Service lets you download a backup file and restore it later. You are responsible for keeping backup files safe, because anyone who has a backup file can read the information in it. Restoring a backup replaces the information on your device and cannot be undone. Monthly statements written by the Service are summaries of the numbers in your plan. They are not bank statements, are not records issued by any financial institution and must not be presented as such.

The app lock is a convenience that keeps out someone who picks up your unlocked phone. It is not a substitute for your phone's own screen lock. If you turn on fingerprint or face unlock, your phone performs the check and KeepWise only learns whether it passed. If you forget your passcode, you can reset it by signing in to your KeepWise account with its password, if you have one; otherwise the only way back in is to erase KeepWise on that device, so keep a backup.

If you share an image created by the "Share what you found" feature, you choose what to share and with whom, and you are responsible for that sharing.

KeepWise can write a message for the people in a split, for example to tell them their share. KeepWise does not send it. If you send it, you choose who receives it, and you are responsible for what you send and for having a proper reason to contact that person. The amounts in the message come from what you entered, so check them before you send.

If you add information about other people, such as names and amounts for shared costs, you are responsible for having a lawful basis to record it.

8. Third-party services, prices and promotional codes

The Service may refer to third-party products, services, prices, plans and promotional codes, and may link to third-party websites. We do not control and are not responsible for any third party, its offers or its websites. Prices, availability, plan terms and the validity of promotional codes can change at any time and are not guaranteed. Any transaction you enter into with a third party is solely between you and that third party.

Names of companies, products and services shown in the Service are trademarks of their respective owners and are used only to identify them. Their use does not imply any affiliation with, sponsorship by or endorsement from those owners.

In KeepWise Plus, "today's prices" in Cheaper come from each company's own public website on the date shown in the app. They are provided for information only, may have changed since, may not include taxes or fees, and may depend on conditions such as student status, the number of people on a plan or where you live. Check the price with the company before you switch.

If the Service ever includes links for which we may receive a referral fee, those links will be clearly labelled.

9. Acceptable use

You agree not to:

use the Service for any unlawful, fraudulent or harmful purpose;
use the Service to process information that you have no right to access;
provide false information, impersonate any person, or enter another person's email address or phone number without their permission;
interfere with, disrupt or attempt to gain unauthorised access to the Service or the systems that host it;
copy, modify, distribute, sell or lease the Service, or present it as your own, except as permitted by law or by a licence we grant in writing;
remove or alter any copyright, trademark or other proprietary notices;
use the KeepWise name or branding in a way that suggests an endorsement or affiliation that does not exist.

10. Intellectual property

The Service, including its software, design, text, graphics and the KeepWise name and logo, is owned by us or our licensors and is protected by intellectual property laws. Subject to these Terms, we grant you a personal, limited, revocable, non-exclusive and non-transferable licence to use the Service for your own personal, non-commercial purposes.

The source code of the Service is publicly viewable for transparency. Its public availability does not grant any right to copy, modify or distribute it, unless a separate licence published with the source code states otherwise. Components provided by third parties are subject to their own licences.

If you send us suggestions or feedback, you agree that we may use them without restriction or obligation to you.

11. Paid plans

We may offer optional paid features, such as a subscription plan called KeepWise Plus. If you purchase a paid plan, the following terms apply in addition to any terms shown at the time of purchase:

Price. In the United States, Plus costs $9.99 a month or $79 a year and connects up to 2 banks; Plus Ultra costs $19.99 a month or $159 a year and connects up to 5 banks. A “bank” is one bank sign-in with all its accounts. Prices in other countries are lower and are shown in the app. Moving from Plus to Plus Ultra changes your existing subscription and charges the difference for the rest of the current period. When Plus ends, your bank connections are closed; what was already brought in stays on your device. The price, billing period and applicable taxes are always shown to you before you confirm the purchase.
Free week. A first purchase of Plus on the website starts with a 7-day free trial. You add a payment method at checkout, and nothing is charged during the trial. When the trial ends, the plan you chose starts and is charged automatically, unless you cancel before the trial ends. Bank connections are not part of the trial: they start with your first payment, and you can start paying early to use them sooner. KeepWise reminds you in the app 2 days before it ends. One free trial per person; we may decline a trial where we reasonably believe one has already been used.
Your account. Plus is linked to the KeepWise account you are signed in to when you buy, so it works on each device where you sign in. Whether Plus is active is confirmed by our server with Paddle, not stored on your device alone. Attempting to get around payment, the trial or this check is a breach of these Terms.
Renewal. Subscriptions renew automatically at the end of each billing period at the then current price, unless you cancel before the renewal date.
Cancellation. You may cancel at any time. Cancellation takes effect at the end of the current billing period, and you will keep access to paid features until then.
Where Plus is sold. On the website, Plus is sold by our reseller Paddle. In the Android app or the iPhone app, Plus is sold only through Google Play billing or Apple in-app purchase, under the store's terms, and is managed and cancelled in your store account. Plus is not yet sold in the Android app.
Payment providers. Payments are processed by third-party providers, such as Apple, Google or a payment processor, under their own terms. We do not receive or store your full payment card details.
Refunds. Refunds follow our Refund Policy: a full refund on request within 14 days of a first payment or a yearly renewal. Purchases made through an app store follow that store's refund rules.
Introductory prices and codes. Early user prices and KeepWise promotional codes shown in the Service apply only to the plan and period described, are available for a limited time, cannot be exchanged for cash, and may be changed or withdrawn before you purchase. After an introductory period ends, the standard price shown at the time of purchase applies.
Price changes. We will give you reasonable advance notice of any price change, and the new price will apply from your next billing period. If you do not agree to the change, you may cancel before it takes effect.

Nothing in this section limits any right to cancel or obtain a refund that you have under the consumer protection laws that apply to you.

Connected services in KeepWise Plus. Some Plus features connect to services run by others: Plaid for banks, Stripe and PayPal for business sales, and an email delivery service for split emails. Each of those services has its own terms, which apply to you when you connect it. You are responsible for the keys and logins you create for those services and for removing access there when you no longer want it. KeepWise only reads from your bank, Stripe and PayPal; it cannot move money. Before you save someone's email address and turn on split emails, you confirm that the person is happy to receive emails about splits you share. Bank data can be late, incomplete or wrong, so check anything important with your bank.

12. Availability

We aim to keep the Service available, but we do not guarantee that it will be uninterrupted, timely, secure or free of errors, or that it will be compatible with every device or browser. The Service depends on third-party hosting and infrastructure that we do not control.

13. Disclaimer of warranties

To the fullest extent permitted by law, the Service is provided "as is" and "as available", without warranties of any kind, whether express, implied or statutory, including any implied warranties of merchantability, fitness for a particular purpose, accuracy, title and non-infringement. We do not warrant that any calculation, projection, detection result, price, promotional code or saving shown by the Service is accurate, complete or current.

14. Limitation of liability

To the fullest extent permitted by law, we will not be liable for any indirect, incidental, special, consequential, exemplary or punitive damages, or for any loss of profits, revenue, savings, data or goodwill, arising out of or relating to the Service or these Terms, even if we have been advised of the possibility of such damages. This includes any loss resulting from financial decisions made on the basis of the Service, from missed or incorrect detection of transactions or subscriptions, or from the loss of information stored on your device.

To the fullest extent permitted by law, our total liability for all claims arising out of or relating to the Service or these Terms will not exceed the greater of (a) the total amount you paid us for the Service in the twelve months before the event giving rise to the claim, and (b) fifty US dollars (USD 50).

Some jurisdictions do not allow the exclusion or limitation of certain warranties or liabilities. In those jurisdictions, the exclusions and limitations above apply only to the extent permitted by law. Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot be excluded or limited by law.

15. Indemnity

To the extent permitted by law, you agree to indemnify and hold us harmless from any claims, losses, liabilities and expenses, including reasonable legal fees, arising out of your breach of these Terms or your misuse of the Service.

16. Suspension and termination

You may stop using the Service at any time, delete your account from your profile and delete the information on your device as described in our Privacy Policy. We may suspend or close your account, or end your access to the Service, if you breach these Terms or if we reasonably need to do so to protect the Service, other users or the law. We may also discontinue the Service at any time, in which case we will give reasonable notice where we can. Sections 5, 6, 7, 8, 10 and 13 to 19 survive any termination of these Terms.

17. Changes to these Terms

We may revise these Terms from time to time. The effective date at the top of this page shows when they were last changed. If a revision is material, we will give notice within the Service or by email before it takes effect. Your continued use of the Service after a revision takes effect means that you accept the revised Terms.

18. Disputes and consumer rights

If you have a concern about the Service, please contact us first so that we can try to resolve it informally. You agree to allow thirty days for an informal resolution before starting any formal proceedings.

Nothing in these Terms affects any rights you have as a consumer under the mandatory laws of the country in which you live, including any right to bring proceedings in your local courts.

19. General

Entire agreement. These Terms and the Privacy Policy form the entire agreement between you and us regarding the Service.
Severability. If any provision of these Terms is found to be invalid or unenforceable, that provision will be enforced to the maximum extent permitted, and the remaining provisions will remain in full force and effect.
No waiver. A failure or delay in enforcing any provision is not a waiver of our right to enforce it later.
Assignment. You may not transfer your rights or obligations under these Terms. We may transfer ours in connection with a reorganisation, merger or sale of the Service, provided that your rights are not reduced as a result.
No third-party rights. These Terms do not give any rights to any person other than you and us.
Language. These Terms are written in English. Any translation is provided for convenience only, and the English version prevails.

20. Contact

For questions about these Terms, email legal@mykeepwise.com. For general help, email support@mykeepwise.com, or message us on X at @MyKeepWise or on Instagram at @mykeepwise. Please do not put personal or financial information in a public post. We may need to confirm that a request really comes from you before we act on it. KeepWise will never ask for your password, your passcode or your bank details in a message.