Terms & Conditions

1. Who We Are

Kira is operated by Mikaiyo PLT (LLP0042733-LGN), a limited liability partnership registered in Malaysia. Full registered details are available upon request at kira@mikaiyo.com.

2. Eligibility

You must be at least 18 years old to use Kira. By creating an account, you confirm that you are 18 or older. We do not knowingly allow minors to use Kira. If we become aware that a user is under 18, we will terminate their account and delete their data.

3. What Kira Does

Kira is a receipt-scanning bill-splitting app. It helps you:

• Scan receipts and extract itemised bill data
• Assign items to people in your group
• Calculate each person's share of a bill
• Organise bill splits across groups

Kira shows you who owes what. It does not process, hold, move, or facilitate any payment between users. All payments between users are made independently using your own banking apps or payment methods. Kira is not a payment processor, e-money issuer, or financial institution.

4. Your Account

4.1 Registration

You can sign up with your email address, via Google OAuth, or via Apple Sign-In. You are responsible for keeping your login credentials secure and for all activity under your account.

4.2 Account Deletion

You can delete your account at any time from within the app. You can also request deletion by emailing kira@mikaiyo.com. We will process deletion requests within 14 days.

When your account is deleted, your personal data is removed from our systems. Certain data may be retained where required by law — for example, subscription transaction records required for financial compliance. See our Privacy Policy for full details.

5. Free and Premium Tiers

5.1 Free Tier

The free tier is available to all registered users at no charge. It includes a limited number of receipt scans and groups. Specific limits are shown within the app.

The free tier includes no advertisements. Kira does not serve ads to any user at any tier.

5.2 Premium Tier

Kira Premium pricing varies by country and billing plan (monthly or annual). The price applicable to your region is shown in the App Store or Google Play at the time of purchase. The Premium tier includes higher scan limits, unlimited groups, and any other features listed in the app at the time of subscription.

Features and limits for each tier may be updated from time to time. We will give you reasonable notice of any changes that materially reduce what you receive.

5.3 Scan Limits and Reset

6. Subscriptions and Billing

6.1 How Billing Works

Kira Premium subscriptions are purchased through the Apple App Store or Google Play. All billing, payment processing, and subscription management is handled by Apple or Google under their respective terms. Mikaiyo PLT does not collect, store, or have access to your payment card details.

6.2 Renewal

Subscriptions renew automatically at the end of each billing period unless cancelled. You can manage or cancel your subscription at any time through your App Store or Google Play account settings. Cancellation takes effect at the end of the current billing period — you retain Premium access until then.

Deleting your Kira account does not cancel your subscription. If you delete your account while a subscription is active, billing will continue until you cancel through your App Store or Google Play account settings. Always cancel your subscription through the platform before or after deleting your account to avoid further charges.

6.3 No Free Trial

Kira does not offer a free trial of the Premium tier. You can use the free tier indefinitely before deciding whether to upgrade.

6.4 No Refunds

All purchases are final. Mikaiyo PLT does not offer refunds for any subscription fees paid. If you believe you have been charged in error, contact the App Store or Google Play directly — all payment disputes are handled by the platform through which you purchased.

6.5 Price Changes

We may change the price of Kira Premium in the future. If we do, we will notify you at least 30 days in advance. If you do not agree to the new price, you can cancel your subscription before it renews at the new rate. The current price applicable to your region is always shown in the App Store or Google Play.

7. Acceptable Use

You agree to use Kira only for its intended purpose — splitting bills and managing shared expenses with people you know. You must not:

• Use Kira for any unlawful purpose
• Attempt to access another user's account or data
• Reverse engineer, decompile, or tamper with the app
• Use automated tools to access or scrape the app
• Upload receipt images that contain someone else's personal data without their knowledge
• Use Kira to harass, defraud, or harm any other person

We reserve the right to suspend or terminate accounts that violate these rules.

8. Receipt Images and Bill Data

When you scan a receipt, the image is processed by Google Gemini to extract item and pricing data. The image is not stored permanently. Extracted bill data is stored on our servers and linked to your account.

You are responsible for only scanning receipts that you are entitled to scan. Do not scan documents containing other people's personal information without their consent.

We do not use your receipt data or bill split history to train any AI model.

9. Intellectual Property

Kira and all associated content — including the app, its design, name, logo, and any text or visuals within it — are owned by Mikaiyo PLT or its licensors. Nothing in these Terms gives you any ownership rights in Kira.

You retain ownership of any data you input into the app, such as names you assign to group members. You grant Mikaiyo PLT a limited licence to store and process that data solely to provide the Kira service to you.

10. Privacy

Your use of Kira is also governed by our Privacy Policy, available at kiramyapp.com and within the app. The Privacy Policy explains what data we collect, how we use it, and your rights under applicable law including the Malaysian Personal Data Protection Act 2010 (PDPA), Singapore PDPA 2012, GDPR, and US CCPA.

We do not sell your data. We do not run ads. Revenue comes entirely from Premium subscriptions.

11. Disclaimers

Kira is provided as-is. We do not guarantee that the app will be available at all times, error-free, or that receipt scanning will be accurate in every case. OCR technology has limitations and extracted data should be reviewed before use.

Kira does not verify the identity of group members you add to a split. You are responsible for confirming who you share bill information with.

Kira is not a financial service. Bill split calculations are for reference only. We are not responsible for any financial disputes between users arising from the use of the app.

12. Limitation of Liability

To the maximum extent permitted by applicable law, Mikaiyo PLT will not be liable to you for any indirect, incidental, special, or consequential loss or damage arising from your use of Kira — including but not limited to loss of data, financial disputes between users, or inability to access the app.

Our total liability to you for any claim arising from these Terms or your use of Kira is limited to the amount you paid for your subscription in the 3 months preceding the claim, or RM 50, whichever is greater.

Nothing in these Terms limits our liability for death or personal injury caused by our negligence, fraud, or any other liability that cannot be excluded by law.

13. Third-Party Services

Kira integrates with third-party services including Supabase (database), Clerk (authentication), Google Gemini (receipt processing), RevenueCat (subscription management), and PostHog (product analytics). These services have their own terms and privacy policies. Mikaiyo PLT is not responsible for the terms or practices of these providers.

All payment transactions are processed by Apple App Store or Google Play under their own terms of service.

14. Changes to These Terms

We may update these Terms from time to time. When we do, we will update the effective date at the top of this document and notify you through the app or by email if the changes are material.

Your continued use of Kira after the effective date of any update means you accept the revised Terms. If you do not agree to the updated Terms, stop using Kira and delete your account.

15. Governing Law and Disputes

15.1 Governing Law

These Terms are governed by the laws of Malaysia. Any dispute arising from these Terms or your use of Kira will be subject to the jurisdiction of the Malaysian courts, unless applicable law in your country requires otherwise.

15.2 Consumer Rights

If you are a consumer in a jurisdiction with mandatory consumer protection laws — including but not limited to the European Union, United Kingdom, Australia, or California — those laws apply to you and are not excluded by these Terms. Nothing in these Terms overrides rights you have under your local law that cannot be waived by contract.

15.3 Dispute Resolution

If you have a dispute with us, please contact us first at kira@mikaiyo.com. We will try to resolve it directly. If we cannot reach a resolution, either party may refer the matter to the courts of Malaysia.

16. Termination

You can stop using Kira and delete your account at any time.

We may suspend or terminate your account if you breach these Terms, if we are required to do so by law, or if we discontinue the Kira service. If we terminate your account without cause, we will provide reasonable notice and refund any unused portion of a prepaid subscription period where required by law.