Please read these terms carefully — they govern your use of Kopi Kewangan.
Placeholder MVP copy, not final legal text. Replace it with your reviewed policy before public launch.
By creating an account or using Kopi Kewangan (the "Service"), you agree to these Terms & Conditions. If you do not agree, please do not use the Service.
Kopi Kewangan is a personal budgeting and savings companion built around a 50/30/20 wallet. It helps you track spending, scan receipts, and work towards savings goals. It is not a bank, and stored balances represent top-ups you have funded, not deposits held by a licensed deposit-taking institution.
You sign in with a one-time code sent to your email. You are responsible for keeping access to that email secure and for all activity under your account. Notify us promptly if you believe your account has been compromised.
Top-ups are processed by our payment partner, Stripe. We do not store your full card details. Amounts added to your wallet are reflected once the payment is confirmed by the provider.
You agree not to misuse the Service, attempt to disrupt it, or use it for unlawful purposes. We may suspend accounts that we reasonably believe are being used in breach of these terms.
We may update the Service and these terms from time to time. Material changes will be communicated in-app or by email. You may stop using the Service at any time from your profile.
Questions about these terms can be sent to support@kopikewangan.com.