LEGAL · TERMS OF SERVICE

Terms of service.

LAST UPDATED 31 MAY 2026 · MAIMONEY CAPITAL PTY LTD · SYDNEY

01Introduction and Acceptance

These Terms of Service (Terms) form a legally binding agreement between you and Maimoney Capital Pty Ltd ACN 677 407 868, trading as Kleev (Kleev, we, us or our), governing your access to and use of our website at kleev.ai, our web application, and any related products and services we make available from time to time (collectively, the Services).

By creating an account, accessing, or using the Services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, you must not access or use the Services.

These Terms are governed by the laws of New South Wales, Australia.

02About the Services

2.1Description of the Services

Kleev is an AI-native personal finance platform that may provide personal spending analysis, investment property cashflow tracking, AI-generated insights, deal and offer recommendations, and account or dataset aggregation functionality, including through user-uploaded CSV files.

Kleev is a data display and AI insights tool. It is not a bank, broker, lender, financial product issuer, financial adviser, accountant, tax agent, or credit-licence holder. Kleev does not execute transactions on your behalf and does not connect directly to your bank accounts.

We may update, improve, suspend, remove, or change any part of the Services from time to time.

2.2No Financial, Legal or Tax Advice

Kleev is not a licensed financial adviser and does not hold an Australian Financial Services Licence unless expressly stated otherwise.

Nothing on the Services constitutes financial product advice, investment advice, tax advice, credit advice, legal advice, or any other regulated professional advice. Any information, outputs, insights, projections, summaries, recommendations, or analysis generated through the Services are provided for general informational purposes only and may be incomplete, inaccurate, delayed, or unsuitable for your circumstances.

You are responsible for assessing any output before relying on it, and you should obtain advice from appropriately qualified professionals before making any financial, investment, credit, tax, legal, or business decision.

03Eligibility

To use the Services, you must:

  1. be at least 18 years old;
  2. have the legal capacity to enter into a binding agreement under applicable law; and
  3. not be prohibited from accessing or using the Services under any applicable law.

If you access or use the Services on behalf of a business or other entity, you represent that you have authority to bind that entity to these Terms.

04Accounts and Registration

To access some or all of the Services, you may be required to create an account.

You agree to:

  1. provide accurate, current, and complete information during registration and at all other times;
  2. keep your login credentials secure and confidential;
  3. notify us promptly at hello@kleev.ai if you become aware of any suspected or actual unauthorised access to your account; and
  4. remain responsible for all activity that occurs under your account, except to the extent caused by our breach of these Terms or our failure to take reasonable security measures required by law.

We may refuse to register an account, or suspend or require re-verification of an account, where reasonably necessary for security, fraud prevention, legal compliance, or to protect the integrity of the Services.

We offer optional two-factor authentication (TOTP) which you can enable in your account settings. We strongly recommend enabling it, particularly if you store property, loan, or other sensitive financial information in your account.

05Subscriptions, Billing and Payment

5.1Plans

Kleev may offer a free tier and one or more paid subscription plans, including a Pro subscription tier. Features, usage limits, eligibility criteria, and pricing for each plan may change from time to time.

5.2Auto-renewal

Unless otherwise stated at the time of purchase, paid subscriptions renew automatically at the end of each billing period unless cancelled before the renewal date.

5.3Payment processing

Payments are processed by third-party payment providers, including Stripe Payments Australia Pty Ltd. Your use of those payment services may also be subject to the relevant third party's terms and privacy practices.

We are not responsible for the operation of third-party payment platforms, except to the extent liability cannot be excluded by law.

5.4Billing authority

By purchasing a paid subscription, you authorise us and our payment processor to charge the applicable subscription fees, taxes, and any other disclosed charges using your selected payment method.

5.5Failed payments

If a payment is declined, reversed, returned, or remains unpaid, we may suspend or downgrade your access to paid features until the outstanding amount is paid. You remain responsible for any amounts properly due and payable to us, including any fees charged by your payment provider or financial institution.

5.6Cancellation

You may cancel a paid subscription at any time through your account settings or by contacting us at hello@kleev.ai.

If you cancel:

  1. a monthly subscription, the cancellation will take effect at the end of the current monthly billing period; and
  2. an annual subscription, the cancellation will take effect at the end of the current annual billing period,

unless we state otherwise at the time of cancellation.

5.7Refunds

Except as required by the Australian Consumer Law or as otherwise expressly stated in these Terms, subscription fees are non-refundable once a billing period has commenced.

If we terminate a paid subscription for convenience under clause 12.3, we will refund any prepaid fees on a pro-rata basis for the unused portion of the then-current billing period.

5.8Price changes

We may change our pricing from time to time. If we increase the price of a paid subscription, we will give you at least 30 days' prior notice, and the change will take effect from the start of your next renewal period after that notice.

Unless otherwise stated, all fees are in Australian dollars and inclusive of GST if applicable.

06Your Data and Privacy

6.1Ownership of your data

You retain ownership of the data, files, materials, and information you upload, submit, import, or otherwise provide to the Services, including CSV files and other financial information (Your Data).

6.2Licence to use your data

You grant us a non-exclusive, worldwide, royalty-free licence to host, copy, store, transmit, process, adapt, and use Your Data only to the extent reasonably necessary to:

  1. provide, maintain, support, secure, and improve the Services;
  2. troubleshoot, prevent fraud, verify compliance with these Terms, and protect the integrity of the Services;
  3. comply with applicable law, lawful requests, or orders of courts or regulators; and
  4. create aggregated or de-identified analytics, provided those analytics do not reasonably identify you.

6.3Accuracy of your data

You are responsible for the accuracy, quality, legality, and reliability of Your Data and for ensuring that you have all rights, consents, and permissions needed to provide Your Data to us and for us to use it as permitted under these Terms.

6.4Privacy

Our collection, use, storage, disclosure, and handling of personal information is described in our Privacy Policy.

6.5Security and retention

We will take steps required by applicable law to protect personal information in our possession or control.

Following termination or closure of your account, we will delete or de-identify personal information within a reasonable period, unless retention is required or permitted by law, needed for legitimate backup, security, fraud prevention, dispute resolution, or enforcement purposes, or otherwise described in our Privacy Policy.

07Acceptable Use

You must use the Services only for lawful purposes and in accordance with these Terms.

You must not, and must not permit any other person to:

  1. access or use the Services in any way that is unlawful, fraudulent, misleading, or deceptive;
  2. upload, store, transmit, or submit any content or data that you do not have the right to use;
  3. infringe the intellectual property, privacy, confidentiality, or other rights of any person;
  4. attempt to gain unauthorised access to any account, system, network, or data connected with the Services;
  5. reverse engineer, decompile, disassemble, copy, or attempt to discover the source code, underlying models, or non-public components of the Services, except to the extent such restriction is not permitted by law;
  6. interfere with or disrupt the integrity, performance, availability, or security of the Services, including by introducing malicious code or by imposing an unreasonable or excessive load on our systems;
  7. probe, scan, test, or assess the vulnerability of the Services or any related system without our prior written approval;
  8. use bots, scrapers, scripts, or automated means to access the Services other than through features or interfaces we expressly make available;
  9. impersonate any person, misrepresent your affiliation with any person or entity, or use the Services for phishing, spoofing, or similar conduct;
  10. harass, abuse, threaten, or stalk any person;
  11. create multiple accounts to avoid restrictions, quotas, plan limits, or enforcement action; or
  12. use the Services in a way that could damage our reputation where that conduct also involves unlawful, misleading, abusive, or materially harmful behaviour.

We may investigate suspected breaches of this clause and take action permitted under these Terms or by law.

08Intellectual Property

8.1Our intellectual property

As between you and us, we own or licence all rights, title, and interest in the Services, including all software, text, graphics, logos, design elements, interfaces, content, compilations, and related intellectual property, excluding Your Data.

These Terms do not transfer any intellectual property rights to you except for the limited right to use the Services in accordance with these Terms.

8.2Limited licence to you

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable right to access and use the Services during your subscription period or permitted use period for your internal personal or business purposes.

8.3Feedback

If you provide us with ideas, feedback, suggestions, or requests relating to the Services, you grant us a perpetual, irrevocable, worldwide, royalty-free, transferable licence to use, modify, commercialise, and exploit that feedback without restriction and without any obligation to you.

09Third-Party Services, Content and Deals

The Services may contain links to, integrations with, or content from third-party websites, applications, service providers, merchants, advertisers, or other external parties.

We may display third-party deals, offers, or promotions and may receive affiliate commissions, referral fees, or other commercial benefits in connection with them.

Unless expressly stated otherwise, third-party content, products, and services are not controlled by us and their availability or inclusion does not mean we endorse them. Your dealings with any third party are solely between you and that third party and may be subject to separate terms and privacy policies.

10Disclaimers

To the maximum extent permitted by law:

  1. the Services are provided on an “as is” and “as available” basis;
  2. we do not warrant that the Services will be uninterrupted, secure, error-free, or free from viruses or harmful code;
  3. we do not warrant that any output, insight, recommendation, analysis, or other content generated through the Services will be accurate, complete, reliable, current, or suitable for your circumstances; and
  4. you use the Services at your own risk.

Nothing in these Terms excludes, restricts, or modifies any consumer guarantee, statutory guarantee, or other right or remedy that cannot lawfully be excluded, restricted, or modified under the Australian Consumer Law or any other applicable law.

11Limitation of Liability

To the maximum extent permitted by law, and subject to clause 10:

  1. neither party is liable to the other for any indirect, incidental, special, exemplary, or consequential loss, or for any loss of profits, revenue, business opportunity, goodwill, anticipated savings, or loss or corruption of data, whether arising in contract, tort, equity, under statute, or otherwise; and
  2. our total aggregate liability arising out of or in connection with the Services or these Terms will not exceed the total fees paid by you to us for the Services in the 12 months immediately preceding the event giving rise to the claim.

Nothing in these Terms limits or excludes liability for fraud, wilful misconduct, death or personal injury caused by negligence where liability cannot be excluded by law, or any other liability that cannot lawfully be limited or excluded.

12Suspension, Termination and Effect of Termination

12.1Term

These Terms continue until terminated by you or us in accordance with this clause.

12.2Termination by you

You may stop using the Services at any time. You may close your account through your account settings if available, or by contacting us at hello@kleev.ai.

12.3Termination or suspension by us

We may suspend, restrict, or terminate your access to some or all of the Services immediately if:

  1. you materially breach these Terms and the breach is incapable of remedy, or where capable of remedy, you fail to remedy the breach within a reasonable period after notice from us;
  2. we reasonably believe it is necessary to protect the security, integrity, or lawful operation of the Services;
  3. we reasonably suspect fraud, misuse, unlawful conduct, or unauthorised access in connection with your account; or
  4. we are required to do so by law or by a lawful request of a regulator or authority.

We may also terminate the Services or your access to them for convenience, or where continuing to provide the Services is no longer commercially viable, by giving you at least 30 days' prior notice.

12.4Effect of termination

On termination:

  1. your right to access and use the Services ceases immediately, except to the extent we expressly permit limited access for account closure or data export;
  2. any accrued rights and liabilities up to the date of termination are unaffected; and
  3. clauses that by their nature should continue will survive termination, including clauses relating to intellectual property, disclaimers, liability, indemnity, disputes, and general provisions.

13Indemnity

You indemnify us and our officers, employees, contractors, and agents against any loss, damage, liability, cost, or expense, including reasonable legal costs, arising from any third-party claim to the extent it results from:

  1. Your Data infringing the intellectual property, privacy, confidentiality, or other rights of a third party;
  2. your unlawful use of the Services; or
  3. your material breach of these Terms.

This clause does not apply to the extent a claim was caused or contributed to by our negligence, fraud, wilful misconduct, or breach of law.

14Beta Features

We may make beta, trial, early access, or pre-release features available from time to time (Beta Features). Kleev is currently in active beta, and additional terms applying to beta participation are set out in our Beta Programme Terms.

Unless we expressly state otherwise, Beta Features are provided for testing and evaluation purposes only, may be incomplete or unstable, and may be changed, suspended, or withdrawn at any time without notice.

To the maximum extent permitted by law, Beta Features are provided without any warranty, support commitment, or representation about availability, performance, or suitability.

15Changes to the Services and These Terms

We may modify, update, suspend, or discontinue any part of the Services from time to time.

We may also amend these Terms. If we make a material change to these Terms, we will give you at least 14 days' notice by email, in-app notice, or another prominent notice through the Services before the change takes effect, unless the change is required sooner for legal, regulatory, security, or abuse-prevention reasons.

If you do not agree to an amended version of these Terms, you must stop using the Services before the amended Terms take effect. Your continued use of the Services after the effective date of the amended Terms constitutes acceptance of the amended Terms.

16Dispute Resolution

If a dispute arises out of or in connection with these Terms or the Services, the parties must first try to resolve the dispute in good faith.

Before starting court proceedings, a party should give the other party written notice of the dispute, setting out the nature of the dispute and the outcome sought, and the parties should try to resolve the dispute by discussion for at least 14 days.

If the dispute is not resolved within that period, either party may commence proceedings in a court of competent jurisdiction in New South Wales.

Nothing in this clause prevents either party from seeking urgent interlocutory or equitable relief, or from contacting the ACCC, OAIC, or any other regulator or authority where permitted by law.

17General Provisions

17.1Entire agreement

These Terms, together with any policies or additional terms expressly incorporated by reference, form the entire agreement between you and us in relation to the Services and replace all prior discussions or agreements about their subject matter.

17.2Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable, that provision will be severed to the minimum extent necessary and the remaining provisions will continue in full force and effect.

17.3Assignment

You must not assign, transfer, novate, or otherwise deal with your rights or obligations under these Terms without our prior written consent.

We may assign, transfer, or novate our rights and obligations under these Terms to an affiliate, successor, purchaser of our business, or as part of a corporate restructure or transaction, on notice to you where required by law.

17.4No waiver

A failure or delay by either party to exercise a right under these Terms does not operate as a waiver of that right.

17.5Relationship

These Terms do not create any agency, partnership, joint venture, employment, or fiduciary relationship between you and us.

18Contact Details

Maimoney Capital Pty Ltd (trading as Kleev)

35 Belgrave St, Burwood NSW 2134, Australia

Email: hello@kleev.ai

Phone: +61 2 8880 5874

19What Changed Recently

  • 31 May 2026 — Clarified the description of what Kleev is and is not (clause 2.1); noted that optional two-factor authentication is now available on accounts (clause 4); linked to the Beta Programme Terms (clause 14).

These Terms of Service are governed by the laws of New South Wales, Australia. This document does not constitute legal advice. Maimoney Capital Pty Ltd recommends seeking independent legal advice.