Terms of Service

Agreement to these terms

These Terms of Service ("Terms") govern your use of kvar., operated by Liam Rothwell, a self-employed sole trader (autónomo) established in Spain, with registered office at C/ Pintor Murillo, nº 1, Local 7, 18002 Granada, Spain, NIF Z3779467C ("kvar.", "we", "us"). By creating an account or using the service, you agree to these Terms. If you don't agree, please don't use kvar.

What kvar. does

kvar. lets you capture receipts, reads their line items automatically, and tracks your spending against budgets you set. The automated reading is a best-effort convenience: it can make mistakes, and the figures it produces are yours to review. kvar. is a budgeting tool. It is not financial, tax, accounting, or legal advice, and you are responsible for verifying any figures you rely on.

Your account

You must give accurate information, keep your login secure, and are responsible for activity under your account. Accounts are for individuals; you must be at least 18 and able to form a binding contract. Tell us promptly at hello@kvar.app if you suspect unauthorised use.

Plans, trials, and billing

• kvar. offers a free plan, a time-limited trial of paid features, and paid subscriptions. Current plans and prices are shown at kvar.app/pricing.
• Paid subscriptions are billed through Stripe and renew automatically each period until you cancel. You can cancel anytime from Settings → Billing; your plan stays active until the end of the paid period.
• Prices are shown including any applicable VAT, which is applied at checkout. Prices may change; we'll give reasonable notice before a change affects you.
• As a consumer you have a 14-day right of withdrawal on a new paid subscription. Where you ask us to begin a paid digital service immediately (for example, by upgrading mid-trial), you acknowledge that the withdrawal right ends once provision has begun with your consent.

Acceptable use

Don't use kvar. for anything unlawful, don't attempt to disrupt or reverse-engineer the service, don't resell it without our permission, and don't upload content you have no right to upload.

Your content

Your receipts and the data you enter remain yours. You grant us only the licence needed to host and process that content in order to provide the service to you (and to any household you choose to share it with). We don't sell it. See our Privacy Policy for how we handle it.

Availability and changes

We work to keep kvar. available and accurate, but we provide it on a best-effort basis and may add, change, or remove features over time. We may suspend access for maintenance or to protect the service.

Disclaimers

kvar. is provided "as is" and "as available". To the fullest extent permitted by law, we disclaim implied warranties. Automated extraction may contain errors, and we don't warrant that the service will be uninterrupted or error-free.

Limitation of liability

To the extent permitted by law, kvar. is not liable for indirect or consequential losses, or for losses arising from figures you did not verify. Nothing in these Terms limits liability that cannot be limited under applicable law, including your statutory rights as a consumer under Spanish law.

Termination

You can stop using kvar. and close your account at any time. We may suspend or terminate access if you breach these Terms or to comply with law. On termination, your right to use the service ends; data handling on closure is described in the Privacy Policy.

Governing law

These Terms are governed by the laws of Spain, without affecting any mandatory consumer-protection rights you have in the country where you live.

Changes to these terms

We may update these Terms from time to time. When we make material changes, we'll update the date above and, where appropriate, notify you. Continuing to use kvar. after a change means you accept the updated Terms.

Contact

Questions about these Terms? Email hello@kvar.app.