KIVVO POLICY

Acceptable Use Policy

This policy explains what you can and can't do when you use Kivvo. It sits alongside our general Terms of Service, which continue to apply. If there's any conflict between this policy and the Terms of Service, the Terms of Service take precedence.

The short version

Use Kivvo for its intended purpose — saving toward goals, for yourself.

Don't use Kivvo to break the law, harm others, or commit fraud.

Don't use Kivvo to launder money, evade tax, or fund illegal activity.

Don't try to break, hack, or interfere with Kivvo or our systems.

Don't scrape, resell, or abuse Kivvo's features.

Don't impersonate others or misrepresent who you are.

If you breach this policy, we can suspend or close your account.

We can update this policy and will tell you about material changes.

What Kivvo is for

Kivvo is a savings app for personal use. It helps you set goals and contribute toward them on a schedule. That's what it's designed for, and that's what this policy assumes you're using it for.

You can:

Create savings goals for yourself

Contribute toward your goals

Set up a contribution schedule

Track your progress

Use Kivvo Payouts, if you're eligible

Use Kivvo+ features, if you're a Kivvo+ member

Contact support via a ticket

That's the intended use. Anything else — especially anything that harms others, breaks the law, or interferes with Kivvo — is not allowed.

Prohibited activities

You must not use Kivvo to do any of the following.

1. Break the law

You must not use Kivvo for anything that is illegal in New Zealand, or that would be illegal in the country you're accessing Kivvo from. This includes:

Money laundering

Terrorist financing

Tax evasion

Fraud of any kind

Receiving or transferring the proceeds of crime

Financing illegal activity

If we suspect Kivvo is being used for any of these, we can suspend or close the account and report it to the appropriate authorities.

2. Harm others

You must not use Kivvo to:

Harass, threaten, or abuse another person

Defraud another person

Impersonate another person or entity

Misrepresent your identity or your affiliation with anyone

Interfere with anyone else's use of Kivvo

3. Commit financial crime

You must not use Kivvo to:

Move money you didn't earn legitimately

Disguise the source or destination of funds

Conduct transactions designed to evade reporting or oversight

Use stolen payment methods

Make contributions using funds you aren't authorised to use

Initiate chargebacks or disputes fraudulently

If you make a contribution and later reverse it fraudulently, we may suspend your account and pursue recovery of the amount.

4. Use someone else's identity or account

You must not:

Use someone else's Kivvo account

Create an account using false information

Open an account in someone else's name without their informed consent

Share your login credentials with anyone else

Allow someone else to make contributions from your account without your consent

Your Kivvo account is personal to you.

5. Interfere with Kivvo or our systems

You must not:

Attempt to gain unauthorised access to Kivvo's systems, servers, or data

Probe, scan, or test the vulnerability of Kivvo without our written consent

Attack Kivvo with denial-of-service or similar methods

Introduce viruses, malware, or any code designed to disrupt Kivvo

Bypass or attempt to bypass any security or access control

Reverse engineer any part of Kivvo where we haven't given permission

Use automated tools to interact with Kivvo in ways that damage or overload it

If you find a security vulnerability, please report it through our Vulnerability Disclosure page. Don't exploit it.

6. Scrape, copy, or resell Kivvo

You must not:

Scrape, harvest, or bulk-extract data from Kivvo

Copy Kivvo's content, code, or design for use elsewhere

Resell, sublicense, or commercially exploit Kivvo's features without our written consent

Present Kivvo's content as your own

You're free to use Kivvo for its intended purpose. You're not free to copy it.

7. Abuse Kivvo features

You must not:

Make excessive or automated support tickets designed to overwhelm or manipulate our team

Use Kivvo Payouts eligibility rules to game the system (for example, by arranging contributions to falsely trigger eligibility)

Create multiple accounts to bypass limits, restrictions, or suspensions

Exploit bugs or unintended behaviour in Kivvo for your benefit

Manipulate the contribution allocation logic in unintended ways

If we detect abuse, we can take action up to and including closing your account.

8. Use Kivvo to send or receive prohibited content

You must not use Kivvo to transmit or store content that is illegal, defamatory, obscene, hateful, or otherwise harmful.

9. Use Kivvo on behalf of a sanctioned person or entity

You must not use Kivvo if you're subject to sanctions imposed by New Zealand, the United Nations, or any relevant jurisdiction, or if you're acting on behalf of a sanctioned person or entity.

10. Violate these policies or our Terms of Service

You must not use Kivvo in ways that breach this policy, our Terms of Service, our Privacy Policy, our Payouts Policy, our Contribution Terms, our Kivvo+ Membership Terms, or our Fees & Charges.

Business and commercial use

Kivvo is intended for personal savings. If you want to use Kivvo for business purposes, please contact us first via a support ticket. We may not be able to support every business use case, and additional terms may apply.

You must not use Kivvo to run a money-transmission business, a payment processing service, or any similar commercial operation without our written consent.

Multiple accounts

You may only maintain one Kivvo account per person, unless we agree otherwise in writing.

Creating multiple accounts to:

Evade limits or restrictions

Bypass suspensions

Take unfair advantage of promotions

Otherwise circumvent our rules

...is not allowed. If we detect multiple accounts, we may close the additional accounts.

If you have a legitimate reason to have more than one account (for example, you administer an account on behalf of someone else), please contact us first.

Reporting a breach of this policy

If you believe someone is using Kivvo in breach of this policy, please submit a support ticket via the Support page and select the closest category. Include as much detail as you can.

We take reports seriously. We'll investigate, and where we find a breach, we'll take appropriate action.

If you want to report a security vulnerability in Kivvo, please use our Vulnerability Disclosure page instead. Don't use the support process for security reports, so we can handle them confidentially and appropriately.

If you want to report suspected fraud on your own account, please see our Report Fraud page.

What happens if you breach this policy

If we reasonably believe you've breached this policy, we may take one or more of the following actions, depending on the nature and severity of the breach:

A warning — for minor or first-time breaches, we may contact you to explain the issue and ask you to stop.

Limiting features — we may restrict access to certain features temporarily.

Suspending your account — we may suspend your account while we investigate.

Closing your account — for serious or repeated breaches, we may close your account.

Withholding or reclaiming funds — where contributions or cashback were obtained in breach of this policy, we may reverse or withhold them.

Reporting to authorities — where we're required by law to do so, or where we believe a serious crime has been committed, we may report the matter to the Police or another appropriate authority.

Legal action — we may pursue legal remedies where appropriate.

We'll tell you about the action we're taking and, where possible, give you the opportunity to respond, unless doing so would compromise an investigation or breach a legal obligation.

Appeals

If we've taken action against your account and you believe it was a mistake, you can appeal by submitting a support ticket via the Support page.

Include:

What happened

Why you believe the action was incorrect

Any supporting information

We'll review the appeal fairly. Appeals are handled by someone other than the person who made the original decision, where possible.

If you're not satisfied with the outcome of an appeal, you can raise a formal complaint under our Complaints Policy.

Changes to this policy

We may update this Acceptable Use Policy from time to time. When we make material changes:

We'll update this page.

We'll notify you where the change materially affects you.

Continued use of Kivvo after a change takes effect constitutes acceptance of the updated policy.

If you don't agree with a change, you can stop using Kivvo and close your account.

Where to find more detail

For more information, see:

Contribution Terms — how contributions work

Payouts Policy — how Kivvo Payouts works

Kivvo+ Membership Terms — the terms of the Kivvo+ subscription

Fees & Charges — what Kivvo charges for

Report Fraud — how to report suspected fraud

Vulnerability Disclosure — how to report a security issue

Complaints Policy — how to raise a concern

Financial Services Disclosures — Kivvo's regulatory position

If you have a question about this policy that isn't answered here, please submit a support ticket via the Support page. We don't use email for support.

This page was last reviewed in October 2026.