Terms and Conditions

The following terms and conditions govern all use of the Karma App, services, and products available at or through the website and mobile app. Both the website and the mobile app will be jointly referred to as 'The App'. The App is owned and operated by Raymond Moay Zi Xuan. The App is offered subject to your acceptance without modification of all of the terms and conditions contained herein and all other operating rules, policies (including, without limitation, The App's Privacy Policy) and procedures that may be published from time to time on this Site by Karma (collectively, the “Agreement”). By accessing or using any part of The App, you agree to become bound by the terms and conditions of this agreement. If you do not agree to all the terms and conditions of this agreement, then you may not access The App or use any services. If these terms and conditions are considered an offer by Karma, acceptance is expressly limited to these terms. The App is available only to individuals who are at least 4 years old.

Liability. We exist to help you manage your expenses. By using our service, you will not get to hold us accountable for any financial losses you may incur from your own irresponsible spending.

Your Account and Data. We do not store your personal data on our servers. Everything is stored locally on your iPhone, or on your iCloud account.

Payments and Subscriptions. Using Karma is free. If you opt for the premium features, you are required to subscribe to the service through the App Store. Your credit card details will not be handled by us. Instead, they are stored safely with Apple.

General Representation and Warranty. You represent and warrant that (i) your use of The App will be in strict accordance with the Karma's Privacy Policy, with this Agreement and with all applicable laws and regulations (including without limitation any local laws or regulations in your country, state, city, or other governmental area, regarding online conduct and acceptable content, and including all applicable laws regarding the transmission of technical data exported from the United States or the country in which you reside) and (ii) your use of The App will not infringe or misappropriate the intellectual property rights of any third party.

Indemnification.You agree to indemnify and hold harmless Karma, its contractors, and its licensors, and their respective directors, officers, employees and agents from and against any and all claims and expenses, including attorneys' fees, arising out of your use of The App, including but not limited to your violation of this Agreement.

Miscellaneous. This Agreement constitutes the entire agreement between Karma and you concerning the subject matter hereof, and they may only be modified by a written amendment signed by an authorized executive of Karma, or by the posting by Karma of a revised version. If any part of this Agreement is held invalid or unenforceable, that part will be construed to reflect the parties' original intent, and the remaining portions will remain in full force and effect. A waiver by either party of any term or condition of this Agreement or any breach thereof, in any one instance, will not waive such term or condition or any subsequent breach thereof. You may assign your rights under this Agreement to any party that consents to, and agrees to be bound by, its terms and conditions; Karma may assign its rights under this Agreement without condition. This Agreement will be binding upon and will inure to the benefit of the parties, their successors and permitted assigns.