Terms of Service
These terms set out the agreement between you and Kivvo when you use our savings app. Please read them carefully. By creating an account or using Kivvo, you agree to these terms.
If you don't agree with these terms, please don't use Kivvo.
The short version
Kivvo is a savings app. It helps you set goals and contribute toward them on a schedule.
Kivvo is not a bank, not a financial adviser, and not a financial product provider. See our Financial Services Disclosures for detail.
You must be 16 or older, and a New Zealand resident, to use Kivvo.
You're responsible for your account and for keeping your login details secure.
Contributions are your money. Kivvo doesn't take custody of your funds — they're handled through licensed third-party providers.
You agree to our other policies — Privacy, Cookies, Acceptable Use, Contribution Terms, Kivvo+ Terms, Payouts Policy, Fees & Charges.
Kivvo is a very small New Zealand company — currently two people — building early-stage software.
We can suspend or close your account if you breach these terms.
We can update these terms, and we'll tell you about material changes.
1. Who we are
Kivvo is a small New Zealand company providing a savings application. When these terms say "we", "us", or "Kivvo", they mean the Kivvo entity responsible for providing the service.
Because Kivvo is early-stage and small, some aspects of the service are still evolving. We're honest about that, and we ask you to read these terms with that context.
2. Eligibility
To use Kivvo, you must:
Be 16 years of age or older
Be a New Zealand resident
Be legally capable of entering into a binding contract
Not be subject to sanctions imposed by New Zealand, the United Nations, or any relevant jurisdiction
Not have had a previous Kivvo account closed by us for breach of these terms
If you don't meet all of these requirements, you must not use Kivvo.
We may ask you to verify your eligibility at any time. If we can't verify your eligibility, or if we believe you don't meet these requirements, we may suspend or close your account.
3. Your account
Creating an account
You create a Kivvo account by providing the information we ask for — typically an email address, a display name, and a password. You must provide accurate information.
One account per person
You may only maintain one Kivvo account per person, unless we agree otherwise in writing.
Keeping your account secure
You're responsible for:
Keeping your password and login credentials secure
All activity that happens under your account
Telling us promptly if you believe your account has been compromised
If you believe someone else has access to your account, please submit a support ticket via the Support page immediately.
Accurate information
You agree to keep the information on your account accurate and up to date, including your email address and payment details.
4. What Kivvo does
Kivvo provides a savings application that lets you:
Create savings goals with target amounts and dates
Set up scheduled contributions toward your goals
Make one-off contributions
Track your progress over time
Access Kivvo Payouts (cashback), where eligible
Access Kivvo+ features, if you're a Kivvo+ member
Manage your account, preferences, and data
What Kivvo does not do
Kivvo does not:
Act as a bank or take deposits
Hold your funds on our own balance sheet
Pay interest
Provide financial advice
Offer any financial product
Provide investment, insurance, or lending services
For more detail, see our Financial Services Disclosures.
5. Contributions
Contributions are governed by our Contribution Terms, which form part of this agreement.
In summary:
Contributions are your money, moving toward your chosen goals.
Minimum contribution amounts apply ($50 weekly, $100 bi-weekly, $200 monthly, $10 per day for one-offs).
A contribution fee applies, as set out in our Fees & Charges.
Contributions are processed by our third-party payment provider.
Kivvo doesn't take custody of your funds.
Please read the full Contribution Terms for the complete picture.
6. Kivvo+
Kivvo+ is an optional paid membership with its own terms, which form part of this agreement.
In summary:
Kivvo+ is billed monthly or annually.
Subscriptions renew automatically unless you cancel.
You can cancel at any time; cancellation takes effect at the end of your current paid period.
Kivvo+ unlocks access to cashback (subject to eligibility), plus other features.
Please read the full Kivvo+ Membership Terms for the complete picture.
7. Kivvo Payouts (cashback)
Kivvo Payouts is a cashback feature that is currently limited to users who meet strict eligibility criteria. Its terms are set out in our Payouts Policy, which forms part of this agreement.
In summary:
Kivvo Payouts is limited to Kivvo+ members who also meet a minimum monthly contribution threshold and maintain a 6.5-week streak.
Cashback is credited to your Kivvo account when you qualify.
Cashback is credited from Kivvo's own fee revenue — you're not waiting for Kivvo to release funds that belong to you.
The feature is in a limited rollout and may change.
Please read the full Payouts Policy for the complete picture.
8. Fees
Kivvo charges fees for certain services. These are set out in our Fees & Charges page, which forms part of this agreement.
In summary:
A contribution fee applies to scheduled contributions.
Kivvo+ has its own subscription fees.
Certain things are free — including creating goals, editing goals, and downloading your data.
Fees may change; we'll give you advance notice where a change affects you.
Please read the full Fees & Charges for the complete picture.
9. Your responsibilities
You agree to:
Use Kivvo in accordance with these terms and our Acceptable Use Policy
Provide accurate information and keep it up to date
Keep your account credentials secure
Not use Kivvo for any unlawful purpose
Not interfere with Kivvo or other users' use of Kivvo
Not attempt to circumvent security, rate limits, or eligibility criteria
Comply with any laws that apply to you in relation to your use of Kivvo
10. Payment processing
Payments are processed by our third-party payment provider. By using Kivvo, you agree that:
Your payment information will be handled by our payment provider in accordance with their terms
Kivvo doesn't store your full payment card details
Payment processing is subject to the payment provider's own terms and policies
For more detail, see our Bank Payments & Cards page and Privacy Policy.
11. Intellectual property
Kivvo and its content — including the app, the website, the design, the code, the brand, and the text — are owned by Kivvo or its licensors and are protected by copyright and other intellectual property laws.
We grant you a limited, non-exclusive, non-transferable, revocable licence to use Kivvo for personal, non-commercial savings purposes, in accordance with these terms.
You must not:
Copy, modify, or distribute Kivvo's content without our permission
Use Kivvo's brand, logo, or name without our permission
Reverse engineer any part of Kivvo except where permitted by law
You retain ownership of any content you create in Kivvo (such as your goals and notes).
12. Availability of the service
We aim to keep Kivvo available and reliable, but we don't guarantee uninterrupted service.
Kivvo may be unavailable due to:
Maintenance or updates
Technical issues
Third-party service outages (for example, if our payment provider or hosting provider has an issue)
Events outside our reasonable control
We're a very small team, so response times to outages may be slower than at larger companies. We'll do our best to keep you informed.
We may modify, suspend, or discontinue parts of Kivvo at any time. Where a change is material, we'll notify you and, where appropriate, give you the option to cancel without penalty.
13. Suspension and termination
By you
You can close your account at any time by submitting a support ticket via the Support page.
When you close your account:
Your scheduled contributions stop.
Any active Kivvo+ subscription is cancelled.
Contributions already made remain allocated (subject to any final disbursement arrangements).
Some information is retained in accordance with our Privacy Policy.
By us
We may suspend or close your account if:
You breach these terms or our Acceptable Use Policy
We're required to by law
We believe your account is being used for fraud or unlawful activity
We're unable to verify your eligibility
We discontinue the service
Where we close your account for breach, we'll give you notice where reasonably possible, and you may be able to appeal.
If we close your account without cause, we'll act reasonably and, where appropriate, give you notice.
14. Disclaimers
Kivvo is provided on an "as is" and "as available" basis. We don't warrant that:
Kivvo will be error-free or uninterrupted
Kivvo will meet your specific requirements
Any information on Kivvo is complete, accurate, or up to date
Any defect in Kivvo will be corrected
Nothing in these terms excludes or limits any rights you have under the Consumer Guarantees Act 1993 or any other New Zealand law that can't be excluded or limited.
15. Limitation of liability
To the maximum extent permitted by law, Kivvo and its directors, officers, employees, and agents are not liable for:
Any indirect, incidental, special, consequential, or punitive damages
Any loss of profit, revenue, data, opportunity, or goodwill
Any loss arising from your use of or inability to use Kivvo
Any loss arising from reliance on information on Kivvo
Any loss arising from third-party services (including payment providers and hosting providers)
Where we are liable, our total liability to you is limited to the greater of:
The amount of fees you've paid to Kivvo in the 12 months before the event giving rise to the liability, or
NZD $100
Nothing in these terms limits liability that can't be limited by law — including under the Consumer Guarantees Act 1993 and the Fair Trading Act 1986.
16. Indemnity
You agree to indemnify Kivvo against any claim, loss, or cost (including reasonable legal fees) arising from:
Your breach of these terms
Your breach of any applicable law
Your use of Kivvo in a way that harms another person
Any content you provide to Kivvo
This indemnity doesn't apply to the extent the claim arises from our own negligence or breach.
17. Complaints and disputes
If you have a complaint, please see our Complaints Policy, which describes how we handle complaints and how to escalate them if you're not satisfied.
For disputes arising from these terms:
We'll try to resolve them with you directly first.
If we can't resolve them, the dispute will be handled in accordance with New Zealand law.
Where external escalation is appropriate, we'll tell you the relevant body.
18. Governing law
These terms are governed by the laws of New Zealand. You and we submit to the non-exclusive jurisdiction of the New Zealand courts.
19. Changes to these terms
We may update these terms from time to time. When we make material changes:
We'll update this page and the "last reviewed" date.
We'll notify you where the change materially affects you.
Where a change requires your consent, we'll ask for it before the change applies.
Continued use of Kivvo after a change takes effect constitutes acceptance of the updated terms.
If you don't agree with a change, you can stop using Kivvo and close your account.
20. Other policies that form part of this agreement
These terms should be read together with the following policies, which form part of your agreement with Kivvo:
Privacy Policy — how we handle your personal information
Cookie Policy — cookies and similar technologies
Acceptable Use Policy — what you can and can't do on Kivvo
Contribution Terms — how contributions work
Kivvo+ Membership Terms — the terms of the Kivvo+ subscription
Payouts Policy — how Kivvo Payouts works
Fees & Charges — what Kivvo charges for
Complaints Policy — how to raise a concern
Financial Services Disclosures — Kivvo's regulatory position
Tax Information — how tax generally applies
Refund & Cancellation Policy — refunds and cancellations
If there's a conflict between these terms and one of the specific policies above, the specific policy takes precedence for the matter it covers.
21. Contact us
For any questions about these terms, or to exercise any right under them, please submit a support ticket via the Support page. We don't use email for support.
If you need to send us formal notice under these terms, please do so via a support ticket and mark it clearly as a formal notice.
22. Miscellaneous
Severability. If any provision of these terms is found to be invalid or unenforceable, the remaining provisions continue in full force.
No waiver. If we don't enforce a right, that doesn't waive the right.
Assignment. You can't assign your rights under these terms without our consent. We may assign our rights to a successor entity (for example, in a merger or sale).
Entire agreement. These terms, together with the policies listed in section 20, form the entire agreement between you and Kivvo.
No partnership or agency. Nothing in these terms creates a partnership, agency, or employment relationship between you and Kivvo.
This page was last reviewed in October 2026.