Terms and Conditions

Last updated: please check the date shown on this page each time you use the service.

These Terms and Conditions ("Terms") govern your use of the Kemivi website and the Kemivi mobile application for personal finance management (together, the "Service"). Please read them carefully before you subscribe or use the Service. By placing an order or using the Service, you agree to be bound by these Terms.

1. Who We Are and How to Contact Us

The Service is provided by Kemivi ("we", "us", "our").

• Company name: Kemivi
• Address: 186 Cheetham Hill Road, Manchester, M38 6JB, United Kingdom
• Email: [email protected]
• Telephone: +44 161 917 5588

You may contact us using any of the details above for questions about these Terms, your order, your account or a complaint. We aim to reply to all enquiries within a reasonable time.

2. Our Service

Kemivi offers a mobile application designed to help people, and in particular pensioners, to organise and understand their personal finances, for example by recording income and outgoings, planning budgets and keeping track of regular payments. The Service is a budgeting and organisational tool. It does not provide regulated financial, investment, tax, legal or pension advice, and nothing in the Service should be treated as such. You remain responsible for your own financial decisions.

3. Eligibility and Your Account

• You must be at least 18 years old and able to enter into a binding contract.
• You must provide accurate and complete information when you register or place an order.
• You are responsible for keeping your login details confidential and for all activity under your account. Please tell us promptly if you suspect unauthorised use.

4. How an Order Is Placed and Confirmed

You may place an order through our website or the application by following the on-screen steps. The process works as follows:

1. You select the plan or option you wish to purchase.
2. You review your order, including the price, before submitting it, and you may correct any input errors at that stage.
3. You submit your order and complete payment where payment is required.
4. We send a confirmation to the email address you provided. The contract between you and Kemivi is formed when we send that confirmation and make the Service available to you.

If we are unable to accept your order, for example because of a pricing error or a problem with payment, we will tell you and will not charge you, or we will refund any amount already taken.

5. Prices, Payment and What Is Included

All prices are shown in pounds sterling (GBP) and, where applicable, include VAT at the prevailing rate. The price payable is the price displayed at the time you place your order.

• Your purchase includes access to the Kemivi application and its features as described on the plan you select, together with reasonable customer support by email and telephone.
• Where a subscription renews automatically, we will make this clear before you order, together with the renewal period and price. We will remind you of upcoming renewals where required.
• Payment must be made using one of the methods offered at checkout. You confirm that you are authorised to use the payment method you choose.
• We may change our prices for future billing periods. We will give you reasonable advance notice, and any change will not affect an order you have already paid for.

6. Your Right to Cancel

Under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, if you are a consumer you generally have the right to cancel a contract for digital content or services within 14 days of the contract being made, without giving a reason.

• To cancel, tell us clearly by email at [email protected], by telephone, or by post to our address above. You may use any clear statement; a specific form is not required.
• If you asked us to begin providing the Service during the 14-day period, you must pay a proportionate amount for the Service supplied up to the point you told us you wished to cancel.
• We will refund any amount due to you without undue delay and within 14 days of receiving your cancellation, using the same payment method you used, unless you agree otherwise.
• After the cancellation period, you may stop a recurring subscription at any time. Cancellation takes effect at the end of the current billing period unless we state otherwise, and you will keep access until then.

Nothing in this section affects your statutory rights under the Consumer Rights Act 2015, including where digital content is not of satisfactory quality, is not fit for purpose or is not as described.

7. Complaints

If you are unhappy with the Service, please let us know so that we can put things right.

1. Contact us at [email protected] or on +44 161 917 5588, giving your name, the email address linked to your account and details of the problem.
2. We will acknowledge your complaint promptly and aim to provide a full response within 14 days. If we need longer, we will tell you why and when to expect an answer.
3. If we cannot resolve the matter, you may consider alternative dispute resolution. We will tell you if we are willing to take part. You also remain free to bring a claim in the courts.

8. Acceptable Use

You agree not to misuse the Service. In particular, you must not attempt to gain unauthorised access to our systems or other users' data, interfere with the operation of the application, copy or reverse engineer it except as the law permits, or use it for any unlawful purpose.

9. Intellectual Property

The application, website, text, graphics, software and all related intellectual property belong to Kemivi or its licensors. We grant you a limited, non-exclusive, non-transferable licence to use the application for your personal, non-commercial use for as long as your contract continues. You keep ownership of the financial information you enter.

10. Personal Data, Cookies and Your Rights

We handle personal data in accordance with the UK General Data Protection Regulation and the Data Protection Act 2018. We act as the data controller for the personal data you provide to us.

Cookies

This site sets only one cookie, described below. We do not run analytics on this site and we do not set any other cookies.

Advertising measurement runs only after you have given consent, and only on the order confirmation page. If you do not consent, it does not run.

Your rights

Under UK data-protection law you have the right to be informed about how your data is used, to access your personal data, to have inaccurate data corrected, to have your data erased in certain circumstances, to restrict or object to certain processing, and to data portability. Where processing relies on your consent, you may withdraw it at any time. To exercise any of these rights, email us at [email protected] and we will respond within one month. If you are not satisfied with our response, you have the right to complain to the Information Commissioner's Office, the UK supervisory authority for data protection.

11. Availability and Changes to the Service

We aim to keep the Service available and working well, but we do not promise uninterrupted or error-free access. We may carry out maintenance, update features or make changes to improve the Service. If we make a significant change that negatively affects you, we will tell you and, where appropriate, you may cancel and receive a refund for the unused part of any period you have paid for.

12. Limitation of Liability

Nothing in these Terms limits or excludes our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot lawfully be limited or excluded, including your statutory rights as a consumer.

Subject to the above:

• We are responsible for foreseeable loss and damage caused by our failure to use reasonable care and skill or by our breach of these Terms. Loss is foreseeable if it was an obvious consequence of our breach or if it was contemplated by you and us when the contract was made.
• We are not responsible for losses that were not foreseeable, nor for losses caused by your own inaccurate information or by decisions you make using the Service, since it is an organisational tool and not financial advice.
• The Service is for personal use only. We are not liable for any loss of profit, business, revenue or opportunity.
• Subject to the points above, our total liability to you in connection with any one order is limited to the amount you paid for that order.

13. Events Outside Our Control

We are not liable for any delay or failure to perform our obligations caused by events beyond our reasonable control, including failures of third-party networks or utilities, severe weather or industrial action. We will tell you as soon as reasonably possible if such an event affects the Service.

14. Ending the Contract

You may stop using the Service at any time, subject to Section 6. We may suspend or end your access if you seriously or repeatedly breach these Terms, and we will explain our reasons. If we end your access other than for your breach, we will refund any amount you have paid for the period after termination.

15. General

• Changes to these Terms: We may update these Terms from time to time. The version in force when you place your order applies to that order, and we will give notice of material changes affecting an ongoing subscription.
• Transfer: We may transfer our rights and obligations to another organisation, and we will tell you if so. This will not affect your rights. You may not transfer your rights without our written agreement.
• Severability: If any part of these Terms is found to be unenforceable, the rest will continue in effect.
• No waiver: If we do not enforce a right straight away, this does not mean we have given it up.
• Entire agreement: These Terms are the whole agreement between you and Kemivi regarding the Service.

16. Governing Law and Jurisdiction

These Terms and any dispute arising from them are governed by the law of England and Wales. If you live in Scotland or Northern Ireland, you may also bring proceedings in the courts of the part of the United Kingdom where you live. Disputes will otherwise be subject to the jurisdiction of the courts of England and Wales.

17. Contact Us

If you have any questions about these Terms, please contact Kemivi at 186 Cheetham Hill Road, Manchester, M38 6JB, by email at [email protected], or by telephone on +44 161 917 5588.