Terms of Use

Terminology

The following terminology applies to these Terms of Use:

• Company, We, Us, or Our refers to MDEVSA (PTY) LTD, registration number 2023/984467/07, located in Gauteng, South Africa.
• Service refers to the Klippa iOS application ("the App") and the website https://myklippa.com ("the Site").
• You and Your refers to you, the person accessing the Service and compliant to the Company's terms and conditions.

Eligibility and Users

You must be at least 13 years of age to use the Service. If you are under 18 years of age, you must have the agreement and permission of your parent or legal guardian to use the Service.

The Service

Klippa is a personal spend tracker for iPhone.

• How it Works: The App records what went out of your accounts by reading Apple Pay and Wallet taps, as well as bank SMS or email alerts already on your device. This relies on Apple Shortcuts, App Intents, and on-device parsing.
• Nature of the Data: Klippa does not show your account balance or a "safe-to-spend" amount. Capture of your spend is incomplete by design, as it relies strictly on taps and available alerts on your device.
• No Bank Connections: Klippa does not connect to, log into, scrape, or aggregate your bank accounts. There is no account to create within the App.
• On-Device AI: The App offers optional conversational features (Ask/Roast) using Apple's on-device models. Your spend history is not sent to Us for AI processing.
• Waitlist: The Site may collect your email address for a waitlist (for TestFlight or launch announcements only). Joining the waitlist is not a paid subscription and does not come with a ship-date guarantee.
• Analytics: We may collect anonymous product events (such as onboarding screens viewed) via PostHog to improve the App. This data does not contain names, emails, transaction amounts, or merchant names.
• Not Financial Advice: Klippa is not a bank, does not provide payment or banking services, and does not provide regulated financial, legal, or investment advice under any jurisdiction or financial authority worldwide.

Subscriptions and Payments

Access to certain features of the App requires a subscription.

• Apple In-App Purchases: Subscriptions are handled via Apple In-App Purchase and will be charged to your Apple account at confirmation of purchase.
• Pricing and Duration: The duration and price of the subscription are those shown by Apple on the paywall and the App Store at the time of your purchase or renewal. We may change subscription plans in the future, but you will only pay what Apple shows you.
• Auto-Renewal: Subscriptions automatically renew unless cancelled at least 24 hours before the end of the current period.
• Cancellations and Refunds: You can cancel your subscription and request refunds exclusively through Apple (go to Settings → Apple Account → Subscriptions on your iPhone). We cannot process cancellations or refunds directly.
• Free Trials: Any unused portion of a free trial period, if offered, will be forfeited when you purchase a subscription.
• Payment Data: We do not collect or store your credit card numbers. We use RevenueCat to receive and manage anonymous purchase and entitlement statuses.

TestFlight and Beta Rewards

During limited TestFlight or other pre-release programmes, We may offer a discretionary promotional reward to a capped number of testers who help test the App. A reward may take the form of a third-party gift voucher or similar credit. The retailer or issuer, the face value or denomination, the currency, the number of rewards available, and any total-value cap are those We state in the programme materials for that programme (in the App, survey, or related notices). Those details may differ between programmes and may change; these Terms do not fix any particular amount.

• Discretionary and limited: Rewards are promotional and discretionary. They are not wages, not a lottery or gambling prize, not payment for a subscription, and not a guaranteed entitlement. We may change the stated value, issuer, volume or total-value cap, pause the programme, or end it at any time. Once a programme's stated caps are reached, further submissions will not receive a voucher.
• Where it appears: Reward prompts and claim paths may appear only in TestFlight or development builds. They are absent from App Store production builds unless We expressly say otherwise.
• Eligibility: A reward may require completing specified testing steps inside the App (for example a real Apple Pay or Wallet payment tap that the App records as proven). Simulated checks, payment-less dry runs, alert-only captures, demos, and hand-typed logs do not qualify unless We say otherwise in the programme materials.
• How you apply: Where offered, you submit testing feedback through an in-app survey. That survey may ask for an email address solely so We can deliver a voucher if your submission is approved. Submitting feedback does not guarantee approval or a reward of any particular value.
• Human review: We review submissions before any voucher is sent. We may decline duplicate, incomplete, abusive, automated, or ineligible submissions. As a default, one reward per person or install for a given programme, within that programme's stated caps; reinstalling the App does not create a right to additional rewards beyond those caps.
• Third-party vouchers: Vouchers are issued by third parties and are subject to that issuer's own terms, expiry, and redemption rules. After We send a valid code to the email you provided for delivery, We are not responsible for the issuer's stock, site outages, or how you redeem the code.
• No cash with Us: Rewards have no cash value with the Company, are not redeemable with Us for money or subscription credit, and are non-transferable except as the voucher issuer allows. The face value shown by the issuer is not a claim against the Company for an equivalent cash amount.
• Abuse: We may withhold or cancel rewards, and restrict access to the Service, if We reasonably believe the programme is being gamed or abused.

Licence and Intellectual Property

We grant you a personal, non-exclusive, non-transferable, and revocable licence to use the App for your personal use worldwide. The Company owns the Klippa name, logo, software, and all related intellectual property rights.

Restrictions

You must not:

• Republish material from the Service.
• Sell, rent, or sub-licence material or software from the Service.
• Reproduce, duplicate, or copy material or code from the Service.
• Redistribute content from Klippa.
• Use the Service in any way that is unlawful, fraudulent, or harmful.
• Game, automate, or otherwise abuse any TestFlight or beta reward programme.

Privacy Policy

Your privacy is extremely important to us. Transaction data stays on your iPhone and is not uploaded to our servers. For detailed information on how we handle your data, waitlist emails, beta reward delivery emails, and anonymous analytics, please read our Privacy Policy at https://myklippa.com/privacy.

Disclaimer of Warranties

The Service is provided on an "AS IS" and "AS AVAILABLE" basis. To the maximum extent permitted by applicable law, the Company excludes all representations, warranties, and conditions relating to our Service and its use. We do not warrant that the Service will be complete, accurate, or error-free. You acknowledge that Klippa's capture of transactions is incomplete by design and is for informational purposes only.

Limitation of Liability

To the maximum extent permitted by applicable law, in no event shall the Company be liable for any indirect, consequential, incidental, special, or punitive damages, including without limitation loss of profits, data, use, or goodwill, arising out of or in connection with your use of the Service. Nothing in this section or these Terms will limit or exclude liability where applicable local law forbids such exclusion or limitation.

Termination

You may terminate these Terms at any time by deleting the App from your device and ceasing to use the Site. We reserve the right to terminate or restrict your access to the Service at any time, without notice or liability, for any reason, including abuse of the Service or a breach of these Terms.

Changes to the Terms

We may update these Terms of Use from time to time. By continuing to access or use our Service after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you must stop using the Service.

Severability and Entire Agreement

If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect. These Terms constitute the entire agreement between us regarding our Service.

Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of South Africa, without regard to its conflict of law provisions. Any legal disputes or claims arising out of these Terms shall be subject to the jurisdiction of the competent courts of South Africa, unless mandatory local consumer protection laws in your home country grant you the right to bring proceedings in your local courts.

Contact Us

If you have any questions about these Terms, please contact us at:

• Email: hello@myklippa.com