Terms of Service

Kemen is a personal finance dashboard that aggregates financial account data to help you understand your income, expenses, and net worth. The service is provided for personal, non-commercial use only.

You must be at least 18 years old and capable of forming a binding contract to use Kemen. By using the service you represent that you meet these requirements.

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. Notify us immediately if you suspect unauthorized access.

Kemen uses Plaid Technologies, Inc. to connect to your financial institution accounts. By linking a bank account you also agree to Plaid's End User Privacy Policy. Kemen receives read-only access to your financial data; we cannot initiate transactions or move money on your behalf.

Financial data displayed in Kemen is provided for informational purposes only and does not constitute financial, investment, tax, or legal advice.

You agree not to:

• Use the service for any unlawful purpose
• Attempt to gain unauthorized access to any part of the service
• Reverse engineer, decompile, or disassemble the service
• Use automated means to access the service without our permission

The Kemen service, including its design, code, and content (excluding your personal financial data), is owned by us and protected by intellectual property laws. You may not reproduce or redistribute any part of the service without our written permission.

The service is provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that the service will be uninterrupted, error-free, or that financial data will be accurate or complete. Financial data accuracy depends on what Plaid and your financial institution provide.

To the maximum extent permitted by law, Kemen shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the service, including but not limited to reliance on financial data displayed in the app.

You may delete your account at any time from the Profile page. We may suspend or terminate your access for violation of these Terms. Upon termination, all your data will be permanently deleted.

We may update these Terms from time to time. We will notify you of material changes by updating the date at the top of this page. Continued use of Kemen after changes constitutes acceptance of the revised Terms.

These Terms are governed by applicable law. Any disputes shall be resolved in the courts of competent jurisdiction.

For questions about these Terms, contact us at legal@kemenwealth.com.