Terms of Service

These Terms of Service ("Terms") govern your use of Keepaa's financial services platform ("Service") operated by Keepaa Limited ("we," "us," or "our").

By accessing or using our Service, you agree to be bound by these Terms. If you disagree with any part of these terms, then you may not access the Service.

Keepaa provides a digital platform for group savings, goal management, and financial collaboration. Our services include:

• Digital wallet and payment processing
• Group savings and contribution management
• Goal setting and tracking
• Direct debit and card payment processing
• KYC (Know Your Customer) verification services

To use our Service, you must:

• Be at least 18 years old
• Be a resident of the United Kingdom
• Have a valid UK bank account
• Complete our KYC verification process
• Provide accurate and complete information

We reserve the right to refuse service to anyone for any reason at any time.

Keepaa operates under UK financial regulations. By using our Service, you acknowledge:

• We are authorized by the Financial Conduct Authority (FCA)
• Your funds are protected under the Financial Services Compensation Scheme (FSCS)
• We comply with Anti-Money Laundering (AML) regulations
• We are subject to data protection laws including GDPR

Payment processing is handled by Stripe, our PCI DSS compliant payment processor. You agree to:

• Provide accurate payment information
• Authorize transactions initiated through our platform
• Pay any applicable fees as disclosed
• Not use the Service for illegal or unauthorized purposes

We reserve the right to modify our fee structure with 30 days' notice.

As a regulated financial service, we are required to verify your identity. You agree to:

• Provide accurate personal information
• Submit required identification documents
• Allow us to verify your information with third parties
• Update your information if it changes

Failure to complete KYC verification may result in account suspension or closure.

Your privacy is important to us. Our data collection and use practices are governed by:

• Our Privacy Policy
• General Data Protection Regulation (GDPR)
• UK Data Protection Act 2018
• Financial services data protection requirements

We will only use your personal data for the purposes described in our Privacy Policy and as required by law.

We implement industry-standard security measures to protect your data and funds. You agree to:

• Keep your login credentials secure
• Report suspicious activity immediately
• Not share your account with others
• Use secure devices and networks

We monitor for fraudulent activity and may suspend accounts suspected of fraud.

To the maximum extent permitted by law, Keepaa shall not be liable for:

• Indirect, incidental, or consequential damages
• Loss of profits, data, or business opportunities
• Damages arising from third-party services
• Force majeure events beyond our control

Our total liability shall not exceed the amount of fees paid by you in the 12 months preceding the claim.

Either party may terminate this agreement with written notice. Upon termination:

• Your access to the Service will be suspended
• We will process any pending transactions
• We will return any remaining funds to your registered bank account
• We will retain records as required by law

These Terms are governed by the laws of England and Wales. Any disputes shall be resolved through:

1. Direct negotiation with our customer service team
2. Financial Ombudsman Service (if eligible)
3. Court proceedings in England and Wales

We may update these Terms from time to time. We will notify you of any material changes by:

• Email notification to your registered email address
• In-app notification
• Posting the updated Terms on our website

Continued use of the Service after changes constitutes acceptance of the new Terms.

For questions about these Terms, contact us at: