Terms, refunds, privacy and support

The app

Kiyo Investments is an app for keeping track of your own and your family's money. There is no Kiyosoft account: you do not sign up or sign in to use it.

Pro

Pro adds the features listed on the product page. It is a subscription sold inside the app through Google Play or the App Store, at the price the store shows before you subscribe: ₹499 a month or ₹4,990 a year in India, GST included.

New subscribers get the first 7 days free; cancel before they end and you are not charged. After that the subscription renews by itself at the end of each month or year until you cancel it, which you can do at any time in your Google Play or App Store subscriptions. When it ends, the app goes back to the free version and nothing you entered or drew is lost.

Buying Pro is also subject to the terms of Google Play or the App Store, whichever you bought it through.

Your data

Everything you enter is kept on your device and belongs to you. Because we never receive it, we cannot recover it for you: keep a backup, and keep your recovery code safe. A backup is encrypted, and without your key or its recovery code nobody, including us, can open it.

Not advice

The figures Kiyo Investments shows, including tax estimates, are worked out from what you enter and the rules as we understand them. They are not investment, tax or legal advice. Check anything important with a qualified professional, and against your statements, Form 26AS and the AIS, before you act on it or file.

What we do not promise

We work hard to keep the app right and available, but we cannot promise it is free of mistakes, and our liability is limited to what you paid for Pro in the last twelve months.

Pro is paid to Google Play or Apple, so refunds go through them, under their refund policies. We never see your payment details and cannot refund a store purchase ourselves.

• Google Play: follow Google Play's refund steps: find the Pro purchase in your order history and ask for a refund there.
• App Store: go to reportaproblem.apple.com, sign in with your Apple ID, choose the Pro purchase and ask for a refund.

Cancelling stops the next renewal; it does not by itself refund the period already paid for. Cancel during the 7-day free trial and nothing is charged. Manage or cancel Pro in Google Play subscriptions or App Store subscriptions.

If something in Pro does not work as we said it would, write to info@kiyosoft.com too: we would rather put it right.

What stays on your device

Your holdings, transactions, statements, documents, profile and PAN are kept only on your device: in an encrypted database in the iPhone and Android apps, and in your browser's storage on the web. Statements you import are read on the device and never uploaded. Kiyosoft has no server that receives any of it, and there is no Kiyosoft account.

What leaves your device, and only when you choose

• Backups are encrypted on the device with your key before they are saved, and go where you send them: a file you save, iCloud Drive, or, with Pro, a hidden app folder in your own Google Drive that only Kiyo Investments can open. We never receive them, and they cannot be opened without the key.
• Mutual fund prices, if you switch online prices on, are fetched from a public price service. The request names the funds' scheme codes and nothing about you.
• Diagnostics are a file you can choose to share with us. They hold the app version, device type and record counts, never amounts, names or statements.

Ads

The free iPhone and Android apps show ads from Google AdMob. We ask for ads that are not personalised, and where the law requires it you are asked for consent first. Google may process device information to show and measure the ads, under Google's own privacy policy. Pro and the web app have no ads.

Your backup key and recovery code

The first time it opens, the app makes a random key on your device, and encrypts your backups with it. The phone saves the key to your own Google account (Google's Block Store) or to iCloud Keychain, so that it comes back by itself on a new phone signed in to the same account; Google and Apple keep it under their own terms, and we never receive it. The app also shows the key as a recovery code for you to write down. Anyone with the recovery code can open your backups, so keep it private.

Buying Pro

Pro is bought through Google Play or the App Store, which take the payment under their own privacy policies; we never see your card, UPI or bank details.

We use RevenueCat, a subscription service, to check whether Pro has been bought. RevenueCat receives an anonymous ID worked out from your key (it cannot be turned back into the key or used to open a backup), the purchase as the store reports it (the product, price, dates, trial and renewal status, and the store's transaction numbers), and the app version, the phone's operating system and the store's country, as RevenueCat's software sends them. It never receives your name or anything you enter in the app. RevenueCat processes this for us under its privacy policy.

What reaches us

Nothing about you or your money, unless you write to us. As the seller, we can see the purchase records Google, Apple and RevenueCat show to developers, such as order numbers, dates and amounts, but nothing you enter in the app. If you email or call us, we keep the message and your contact details to answer you.

We do not sell or share your details with anyone, except where the law requires it.

How long we keep it

Messages you send us, for as long as we need them to answer you. Purchase records, for as long as Indian tax law requires and the stores' and RevenueCat's own policies provide; see deleting your data to have RevenueCat's record removed.

Your rights

Ask info@kiyosoft.com to see, correct or delete what we hold about you. Your money records are yours to export or erase in the app at any time.

If we change this policy, we will update this page first.

There is no Kiyosoft account

Kiyo Investments has no Kiyosoft account, so there is no account to delete, and nothing you enter in the app is held by us.

Your money records

They are only on your device, so only you can delete them. In the app, open Settings, then Data management, and erase your data, or uninstall the app. Backups you saved, including the one in your Google Drive, stay where they are until you delete them. Without your key and its recovery code, a backup left anywhere cannot be opened by anyone.

Your subscription and purchase records

1. Cancel Pro first, in Google Play subscriptions or App Store subscriptions. Uninstalling the app does not cancel it.
2. Google and Apple keep their own purchase records under their own policies.
3. To have the purchase record RevenueCat keeps for us deleted, write to info@kiyosoft.com, or call +91 96779-00977, with the subject "Delete my Kiyo Investments purchase data". Include the order number from the store's receipt, since we have no name or email for you to find it by. We reply within seven days and delete it within thirty days of finding it. If the subscription is still active, the app may record it again the next time it checks with the store.

Write to info@kiyosoft.com, or call +91 96779-00977. Tell us what you were doing and what you expected. A person reads every message, in English or Tamil, on working days.

The Help screen in the app also answers the common questions. For a payment or a refund, see Refunds.

Kiyosoft, Coimbatore, Tamil Nadu, India