Terms of Service

Last updated: 2026-10-07

1. Acceptance of these terms

These Terms of Service (“Terms”) govern your use of Kakeibo (the “Service”), operated by AlphaBlue Thailand (“we”, “us”). By creating an account or otherwise using the Service, you agree to these Terms and to our Privacy Policy. If you do not agree, please do not use the Service.

The Service is available at kakei.io.

2. Eligibility

You must be at least 16 years old to use Kakeibo. If you are between 16 and the age of majority in your jurisdiction, you must have a parent or legal guardian agree to these Terms on your behalf.

3. Your account

  • You sign in using a one-time code or magic link sent to your email.
  • You are responsible for keeping your email account secure. Anything done from a session authenticated with your email address is treated as your activity.
  • We may suspend or close accounts that breach these Terms, repeatedly fail authentication, or are used for abuse, fraud, or unlawful activity.

4. The service

Kakeibo lets you record transactions, attach receipts, organize accounts, and (on supported plans) share data with team members. We do not provide:

  • Banking or financial services. Kakeibo does not move money, hold funds, or replace your bank.
  • Financial, tax, or legal advice. Information shown is for personal recordkeeping only and should not be relied on for decisions where professional advice is required.

We may add, change, or remove features at any time. For material changes that meaningfully reduce a paid feature you depend on, we will give reasonable advance notice and, where appropriate, an option to cancel and receive a pro-rated credit.

5. Plans, payments and sales policy

Merchant: AlphaBlue Thailand. Billing is managed on the Web through Stripe; Mobile links to Web account management. Prices are in USD before tax; applicable taxes and the final total must be disclosed before confirmation. Free remains available without a card. New monthly plans and storage or seat add-ons are not offered.

Solo costs $27.99 per year or $99 for five years. Family costs $44.99 per year or $159 for five years. Annual plans renew automatically unless stopped. Five-year plans charge once and do not renew automatically; they are not lifetime access. Annual prices remain locked while the same subscription continues. The five-year offer may be changed or closed for future purchases without altering accepted trial terms or purchased rights.

One 14-day trial is available per account across all paid offers, with a saved card. Cancel during trial to avoid payment; access continues until the original trial end. Switching offers does not restart the trial and requires acceptance of the final price and renewal terms. A reminder is sent three days before trial end. An uncancelled trial charges the accepted price; the paid one-year or five-year term starts only on successful payment.

Initial payment has a seven-day recovery window after trial expiry, without additional paid-feature grace. Successful recovery starts the paid term at payment. Annual renewal has seven days of access grace and preserves the original anniversary if recovered. If unresolved, paid rights end, data is retained, and Family-owned teams become read-only unless other valid rights apply.

Stopping annual renewal keeps paid access until the original end. Five-year plans need no renewal cancellation. Initial payments may be refunded on request within 14 days of successful payment; annual renewal payments within seven days. Upgrade supplements may be refunded within seven days, covering only the supplement and restoring the original tier and expiry. Base-payment refunds end the associated paid rights. Repeat refund-and-repurchase cycles require manual review. Refunds go back to the original payment method after verification, not as cash or account credit.

Solo to Family upgrades within the same purchase type charge the proportional remaining-time difference shown in a short-lived quote, without extending the paid end. Annual Family to Solo changes take effect at the next anniversary, with no immediate refund or credit. Five-year downgrades do not produce unused-time refunds or credits.

Annual to five-year conversion is support-assisted and limited to the same tier. Verified unused base-payment value is credited only against that conversion; the five-year term starts on successful payment and old annual renewal stops. A conversion reversal requested within 14 days refunds only its supplement and restores the original annual end, with renewal off until fresh consent. Cross-tier/cross-type conversions require review and are not an automatic offer.

Contact [email protected] for refunds and conversion requests. No routine unused-time cash refunds or automatic credits apply outside the stated policies. Mandatory consumer rights remain unaffected. Purchased core access and ordinary maintenance are included; future metered AI, OCR, bank connections or extra capacity are not implicitly unlimited.

6. Acceptable use

You agree not to:

  • Use the Service for unlawful, fraudulent, infringing, or harmful purposes
  • Attempt to access another user's data without permission
  • Reverse-engineer, scrape, or place an unreasonable load on the Service
  • Resell, sublicense, or impersonate the Service
  • Upload malware or content you do not have the right to share

7. Your content

You retain ownership of every transaction, receipt, and other piece of content you put into Kakeibo. You grant us a limited, worldwide, royalty-free license to host, store, display, back up, and process this content solely so we can provide the Service to you and to the team members you have shared it with.

You can export your content from Settings, and we will send a download link to your email. You can also request account deletion from Settings through the self-service process described below.

8. Teams and shared data

  • Family-plan owners can create teams (currently up to 1 team, up to 5 members) and invite anyone — including Free users — as Owner, Admin, Member, or Viewer.
  • When you share an account with a team, every member of that team you have granted access to can read (and, depending on role, edit) the transactions on that account.
  • Sharing is opt-in per account: accounts you do not share remain private.
  • Quotas — including the Free plan's monthly transaction cap — follow the user who created each transaction. Joining a team does not raise your own limits.
  • If a Family plan is canceled or downgraded, the teams it owns enter read-only mode at the end of the billing period. No data is deleted; transactions cannot be added or edited until the plan is reactivated, or ownership is transferred to another Family member before the period ends.

9. Termination

We may suspend or terminate your account if you breach these Terms, particularly Section 6 (Acceptable use). On termination:

  • We will generally give you a reasonable opportunity to export your data, except where suspension is for abuse, fraud, or legal reasons that require immediate termination.
  • Outstanding fees remain due.
  • Sections that are intended to survive (Sections 7, 10, 11, 12, and 13) continue to apply.

You can terminate your own account at any time from Settings.

Account deletion and retained records

Request account deletion in Settings in the web dashboard or mobile app. Confirm with a dedicated email code. No support ticket, survey, payment or staff approval is required. Exporting your data first is optional.

The default cancellation period is seven days (168 hours). Ordinary account access is disabled when the request is accepted. You can return using email verification to view status, explicitly cancel before the displayed deadline, or choose Skip waiting and start deletion with a second confirmation. Signing in alone does not cancel deletion.

Skipping the wait ends cancellation immediately and queues permanent cleanup; it does not mean your files have already been removed. After the seven-day cancellation period ends, or after you choose Skip waiting, live-system cleanup normally finishes within 24 hours. Data and uploaded files are cleared asynchronously. Delayed requests remain in processing, failures retry automatically, and we email a completion notice when required live-system cleanup has finished.

Before requesting deletion, leave shared households. If you own a household with other members, transfer ownership to an existing member and leave using the actions on the deletion screen. A household you own alone is deleted with your account. Cancelling deletion does not undo transfers or household departures.

Personal bookkeeping records and uploads are deleted. Other members' necessary shared household ledger dates, amounts, currencies and reporting context remain, with your identity replaced by Deleted member. Your private source links, attachments and unnecessary personal text are removed. Other members' own private records are not deleted.

Future Kakeibo billing is stopped through the payment provider from request acceptance. Account deletion does not automatically refund earlier payments; the existing sales and refund policy applies. Cancelling deletion does not automatically restart renewal or restore revoked credentials.

Minimal payment and deletion records may be retained for applicable legal obligations and to prevent deleted data from being reactivated during recovery. Backups do not disappear immediately; restricted backup copies expire under the applicable retention schedule. Before a restored system resumes service, retained deletion facts are reapplied. Ordinary marketing, login and reminder messages are stopped during deletion; deletion-verification and completion messages remain available.

10. Disclaimers

The Service is provided “as is” and “as available” without warranties of any kind, except those that cannot be disclaimed under applicable law. We do not warrant that the Service will be uninterrupted, error-free, or that any data shown is accurate for tax, accounting, or financial-planning purposes.

11. Limitation of liability

To the maximum extent permitted by law:

  • We will not be liable for indirect, incidental, special, consequential, or punitive damages, or for loss of data, profits, revenue, or goodwill.
  • Our total aggregate liability arising out of or relating to the Service in any 12-month period is capped at the greater of (a) the fees you paid us in that period or (b) USD 100.

Nothing in these Terms limits liability that cannot be limited under applicable law, including liability for gross negligence, willful misconduct, or your statutory consumer rights.

12. Governing law and disputes

These Terms are governed by the laws of Thailand, without regard to conflict-of-law rules. Disputes shall be brought before the courts of Bangkok, Thailand, unless mandatory consumer-protection law in your country of residence grants you a different forum.

13. Changes to these terms

We may update these Terms. For material changes, we will give at least 90 days' advance notice by email and/or via an in-app notice. Continued use of the Service after the effective date means you accept the new Terms. If you do not accept them, you can cancel and we will pro-rate any unused paid time.

14. Contact