Terms of Service

1. The agreement

These Terms of Service (“Terms”) form a binding agreement between you and PulseKaki (“Kacha”, “we”, “us”) governing your access to and use of the Kacha mobile application, this website and any related services (together, the “Service”).

By creating an account, or by using the Service, you accept these Terms and our Privacy Policy and Child Safety Standards, which are incorporated by reference. If you do not accept them, do not use the Service.

2. Eligibility and accounts

• You must provide accurate registration information and keep it current.
• You are responsible for all activity under your account and for keeping your credentials confidential. Notify us immediately at kacha@pulsekaki.com if you suspect unauthorised access.
• One person, one account. Do not share, sell or transfer your account.
• If you use the Service on behalf of an organisation, you warrant that you are authorised to bind it, and “you” includes that organisation.

3. What Kacha is — and is not

We do not take custody of, hold, transmit, route or have control over your funds at any time, and we do not integrate with any payment rail. We do not offer credit, cash advances or buy-now-pay-later facilities. Nothing in the Service is an offer, solicitation or recommendation to buy, sell or hold any financial product.

4. AI output and accuracy

Features including receipt and bill extraction, voice transcription, categorisation, itemised split detection, exchange-rate capture, tax-relief flags, Pulse AI coaching and the monthly Pulse Report are produced by automated systems.

• Output may be inaccurate, incomplete, outdated or misleading, particularly on faded, handwritten, damaged or unusual documents.
• Every extracted value is editable. You are responsible for reviewing and correcting entries before relying on them.
• Coaching output is general information generated from the data you logged. It is not a recommendation, and it does not account for your full circumstances.
• Illustrative figures shown in the app or on our marketing pages are examples, not projections or guarantees of any outcome.

To the fullest extent permitted by law, we accept no liability for decisions you make in reliance on AI-generated output.

5. Tax and professional advice

Where you need advice, consult a licensed tax agent, financial planner or accountant as appropriate.

6. Bill splitting and reminders

• Kacha does not process payments. It does not initiate, transmit, route or settle any transfer, and it does not integrate with any payment rail. Members pay each other entirely outside the Service, by whatever method they choose.
• Balances shown in a group are a record of what members have told the app. They are not an independent verification of any debt, and not a statement of account.
• Any debt, loan or obligation between members is strictly between those members. Kacha is not a party to it, does not guarantee it, and will not collect, enforce, mediate or adjudicate it.
• The notify feature sends a reminder to members of your group. It is a convenience, not a demand for payment, and we do not act as a debt-collection agent. Do not use it to harass anyone.
• Marking a balance as settled is a bookkeeping action taken by a user. It is not proof of payment. Verify receipt of funds yourself, in your own bank or wallet app.
• We are not responsible for a payment that is never made, made late, made twice, or made to the wrong person, nor for any dispute about what was owed.

7. Plans, billing and refunds

• The free tier includes core logging, the shared ledger, budgets and goals, basic bill splitting and group reminders. We intend to keep these free, though we reserve the right to change what any tier includes on notice.
• Pro and Max are paid subscriptions. Prices are shown in Malaysian Ringgit and, unless stated otherwise, include applicable taxes.
• Purchases made through the Apple App Store or Google Play are processed by that store. Billing, renewal, cancellation and refunds are governed by that store’s terms, and refund requests must ordinarily be made to the store.
• Subscriptions renew automatically at the then-current price until you cancel. Cancel at least 24 hours before the renewal date through your store account; cancelling stops the next renewal and does not refund the current period.
• Free trials convert to a paid subscription unless cancelled before the trial ends. One trial per user.
• A Max plan is shared by one household or group, up to the stated member limit. It may not be resold or shared beyond that.
• We will give at least 30 days’ notice before a price increase affects an active subscription; you may cancel before it takes effect.
• Except where a refund is required by law (including the Consumer Protection Act 1999 where it applies), fees are non-refundable and there is no refund for partial periods or unused features.
• If a payment fails or is charged back, we may suspend paid modules until the balance is settled.

8. Acceptable use

You agree not to, and not to permit anyone else to:

• Use the Service for any unlawful purpose, including money laundering, terrorism financing, fraud, tax evasion or sanctions evasion.
• Upload content that is unlawful, defamatory, harassing, hateful, obscene, or that infringes anyone’s rights.
• Upload, request or facilitate any child sexual abuse or exploitation material, or any content that sexualises a minor. See our Child Safety Standards — this results in immediate termination and a report to the authorities.
• Impersonate any person or entity, or misrepresent your affiliation.
• Reverse engineer, decompile, scrape, or attempt to derive source code or model weights, except to the extent that restriction is unenforceable by law.
• Probe, attack, overload or circumvent the security or rate limits of the Service, or access another user’s account.
• Resell, sublicense or provide the Service commercially to third parties without our written agreement.
• Use automated means to create accounts, generate load, or abuse AI features beyond fair use for personal purposes.

We may apply reasonable fair-use limits to AI features to keep the Service sustainable, and may throttle or suspend usage that is abusive or materially disproportionate.

9. Your content and our intellectual property

You own your content — your receipts, images, notes and records. You grant us a worldwide, non-exclusive, royalty-free licence to host, store, reproduce, transmit and process that content only as necessary to operate and improve the Service for you, and to share it with the group members you choose. This licence ends when you delete the content or your account, subject to the retention periods in our Privacy Policy.

You warrant that you have the rights to the content you upload and that it does not infringe any third party’s rights.

We own the Service — the software, models, designs, text, graphics and the Kacha name and marks are owned by us or our licensors and are protected by intellectual property law. Subject to these Terms, we grant you a limited, personal, revocable, non-transferable, non-sublicensable licence to use the Service for your own personal, non- commercial purposes. All rights not expressly granted are reserved. Third-party names are the trade marks of their respective owners, referred to descriptively; their use does not imply affiliation, endorsement or partnership.

Feedback you send us may be used freely and without obligation or compensation to you.

10. Third-party services

The Service interoperates with third parties — app stores, AI providers, cloud hosts and exchange-rate sources. We do not control them, do not endorse them, and are not responsible for their availability, accuracy, terms, pricing or acts and omissions. Your use of a third-party service is governed by that party’s own terms. Exchange rates and biller formats may change without notice.

11. Availability, changes and beta features

• We aim for high availability but do not guarantee uninterrupted or error-free operation. Maintenance, updates, outages and third-party failures happen.
• We may add, change, suspend or discontinue features, modules or country packs. Where a change materially reduces a paid subscription’s value, we will give reasonable notice and you may cancel.
• Features labelled beta, preview or experimental are provided as is, may be unstable or withdrawn, and should not be relied on for anything important.
• You are responsible for keeping your own independent copies of records that matter to you — export regularly. We do not guarantee that data will always be recoverable.

12. Disclaimer of warranties

To the fullest extent permitted by applicable law, the Service is provided“as is” and “as available”, without warranty of any kind, whether express, implied or statutory, including any implied warranty of merchantability, fitness for a particular purpose, accuracy, title or non-infringement. We do not warrant that the Service will meet your requirements, be uninterrupted, secure or error-free, that defects will be corrected, or that any output, calculation, categorisation, relief flag, estimate or report will be accurate, complete or suitable for your purposes.

Nothing in these Terms excludes or limits any right or guarantee that cannot lawfully be excluded, including under the Consumer Protection Act 1999 of Malaysia. Where such rights apply, our liability is limited to the maximum extent that law permits.

13. Limitation of liability

To the fullest extent permitted by law:

• We are not liable for indirect, incidental, special, consequential, punitive or exemplary damages, or for loss of profits, revenue, goodwill, data, business opportunity or anticipated savings, however caused and on any theory of liability.
• We are not liable for: tax penalties, additional assessments or disallowed reliefs; a payment made to the wrong person or in the wrong amount; a debt another user fails to repay; a disputed group balance; unauthorised access resulting from your own device or credentials; or any act or omission of a third-party bank, e-wallet, app store or AI provider.
• Neither party is liable for failure caused by events beyond reasonable control, including outages, network failures, acts of government, natural disaster or industrial action.

These limits apply even if a remedy fails of its essential purpose, and reflect a reasonable allocation of risk given that the Service is offered free of charge or at low cost.

14. Indemnity

You agree to indemnify and hold harmless PulseKaki, its directors, employees and agents from any claim, liability, loss, damage, cost or expense (including reasonable legal fees) arising out of your content, your use of the Service, your breach of these Terms or of any law, or your infringement of any third party’s rights — including a claim by another group member or by a person whose data you added to a group.

15. Suspension and termination

You may stop using the Service and delete your account at any time from Settings. We may suspend or terminate your access, with notice where practicable and immediately where not, if you breach these Terms, if we are required to do so by law, if your use creates risk or legal exposure for us or other users, or if we discontinue the Service. Termination for a breach of section 8 or of our Child Safety Standards may be immediate and permanent, without refund.

On termination, your licence ends. Sections 9 (our IP), 12, 13, 14, 16 and any provision that by its nature should survive, survive termination. Export your data before you delete your account.

16. General and contact

• Changes. We may update these Terms. Material changes take effect no less than 14 days after we post them or notify you, and continued use after that date is acceptance. If you do not agree, stop using the Service and cancel any subscription.
• Entire agreement. These Terms, the Privacy Policy and the Child Safety Standards are the entire agreement between us on this subject and supersede prior understandings.
• Severability and waiver. If a provision is unenforceable, the rest stands. A failure to enforce a right is not a waiver of it.
• Assignment. You may not assign these Terms without our consent. We may assign them to an affiliate or successor.
• No third-party rights. Except as stated, no third party may enforce these Terms.
• Notices. We may notify you in-app or by email to the address on your account.

Questions about these Terms, and all support enquiries: kacha@pulsekaki.com.