About Kivvo

• Kivvo is a savings app. It helps you set goals and contribute toward them on a schedule.
• We're a very small New Zealand company — currently two people.
• We're early-stage. Kivvo is under active development, and some features are still in beta.
• Kivvo is not a bank, not a financial adviser, and not a financial product provider. See our Financial Services Disclosures for detail.
• We build for New Zealanders first, and we're honest about our stage and our size.

Most savings advice boils down to: "spend less, save more." It's not wrong — it's just not useful. Real life doesn't work that way. You know you should save. You want to save. But the friction, the busyness, and the way traditional banking is designed all work against you.

Kivvo is our attempt to fix that. Not with another budgeting spreadsheet, and not with more guilt about what you should be doing. Instead, with a simple system that helps you set a goal, contribute on a schedule that fits your life, and see your progress build up over time.

We want to make savings feel concrete, not abstract. And we want to make it work for real people — not just for the kind of person who already finds saving easy.

Kivvo is a savings app. You can:

• Set a savings goal — a trip, a laptop, a car, a deposit, or just a buffer.
• Choose a target amount and a target date — so you know what you're working toward.
• Set up scheduled contributions — weekly, bi-weekly, or monthly — so you don't have to remember to save.
• Make one-off contributions whenever you want to add extra.
• Track your progress — see how close you are, and how fast you're getting there.
• Access Kivvo Payouts (cashback) — where eligible, as a reward for consistent saving.
• Upgrade to Kivvo+ — for additional features, including cashback eligibility.

• We're not a bank. We don't take deposits, don't lend money, and don't pay interest. See our Financial Services Disclosures.
• We're not a financial adviser. We don't give personalised financial advice, and nothing on Kivvo is advice.
• We're not an investment platform. We don't offer investments, KiwiSaver schemes, or any financial product.
• We're not trying to be everything to everyone. Kivvo is a savings app. That's it. We'd rather do one thing well than many things poorly.

These are the principles we try to work by.

We're a small, early-stage company. We're not going to pretend to be bigger or further along than we are. Where our product is imperfect, we'll say so. Where we're working on something, we'll say so. Where we're not sure, we'll say so.

We'd rather have a small number of things that work well than a large number of things that are half-finished. We add features carefully, and we resist the temptation to add more.

Kivvo doesn't take custody of your funds. We don't hold your money, invest it, or use it for anything else. Your money is yours — the app helps you move it toward your goals.

We collect as little as we can, use what we collect only for running Kivvo, and don't sell your data. Ever.

Kivvo is built for New Zealanders. That means NZD, NZ payment rails, NZ regulation, and NZ users in mind. We may expand internationally in time, but we're building for New Zealand first.

Being a two-person company means we can move fast, talk directly to our users, and make decisions without layers of management. It also means we can't do everything. We embrace both.

Kivvo is a software service. We build and operate the app that helps you save.

The movement of your money is handled by licensed third-party providers. Specifically:

• Stripe processes payments and handles card and bank authorisations.
• Supabase stores account data and handles authentication.
• Vercel hosts the web application.
• Render hosts our backend services.

Kivvo does not take custody of your funds at any point. This is an important part of our structure and is described in more detail in our Terms of Service and Financial Services Disclosures.

Kivvo is in active development. That means:

• The core product works. You can create goals, set up contributions, and track your progress.
• Some features are in beta. For example, Kivvo Payouts (cashback) is currently limited to Kivvo+ members who meet additional eligibility criteria. See our Payouts Policy.
• More features are coming. We're exploring price watching for the items you want, better analytics, and other tools to help you save.
• Some things might break. We're a small team, and we're building quickly. When things go wrong, we fix them as fast as we can.

You can check our Status page for current service availability.

We're not going to promise a roadmap we can't deliver. But here's what we're working toward:

• A reliable, useful savings app that New Zealanders actually want to use.
• Kivvo Payouts, properly launched — currently in a limited rollout.
• Price watching, so you know when the thing you want drops in price.
• Continued compliance and transparency as our regulatory obligations evolve.
• Growth in New Zealand before any expansion into other markets.

We'll update this page as our plans evolve.

Submit a support ticket via the Support page. We don't use email for support.

For security vulnerabilities, please see our Vulnerability Disclosure page.

For fraud reports, please see our Report Fraud page.

For roles and hiring, please see our Careers page.

• Terms of Service — the general agreement between you and Kivvo
• Privacy Policy — how we handle your personal information
• Financial Services Disclosures — our regulatory position
• Fees & Charges — what Kivvo charges for
• Payouts Policy — how Kivvo Payouts works
• Kivvo+ Membership Terms — the terms of the Kivvo+ subscription
• Security — how Kivvo approaches security
• Trust & Safety — Kivvo's approach to trust and safety
• Status — current service availability
• Careers — roles at Kivvo

This page was last reviewed in October 2026.