Last updated: 20 May 2026
Please read these Terms of Service (“Terms”) carefully before using KiraKiraLah (“the Service”), operated by Xavier K.(“I”, “me”, or “my”). By creating an account or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.
KiraKiraLah is a personal finance tracking application that lets you record expenses, income, and recurring transactions. It is intended for personal budgeting purposes only.
No financial, tax, or legal advice. The Service is a record-keeping tool. Nothing in the Service — including summaries, categorisations, tax-relief suggestions, or any other output — constitutes financial, investment, tax, accounting, or legal advice. You should consult a qualified professional before making any financial or tax decisions.
Provided “as-is”. The Service is provided on an “as-is” and “as-available” basis without warranties of any kind — express or implied — including fitness for a particular purpose, accuracy of data, or uninterrupted availability. See Section 8 for the full disclaimer.
You agree not to:
Violation of this section may result in immediate account suspension or termination without refund.
The Service offers the following paid plans in addition to a free tier:
Prices are shown in Malaysian Ringgit (MYR). For users billed outside Malaysia via Polar.sh, pricing may be converted to your local currency.
Paid subscriptions are billed monthly on the same calendar day as your initial purchase. Subscriptions renew automatically until cancelled. You authorise me (through Stripe or Polar) to charge your payment method on each renewal date.
Malaysian users are billed via Stripe. All other users are billed via Polar.sh. Payment card data is handled entirely by these processors — I never store your card details. Each processor's own terms of service apply to payment processing.
I may change subscription prices at any time. I will give you at least 30 days' notice by email before a price change affects your existing subscription. Continued use after the price change takes effect constitutes acceptance of the new price.
General rule — no refunds. All subscription charges are non-refundable. This includes partial months; if you cancel mid-cycle you retain access until the end of the paid period but will not receive a refund for unused days.
Exceptions. Refunds may be issued at my sole discretion in cases of significant service unavailability caused solely by me, or where required by applicable consumer protection law.
Malaysian users. If you are a consumer in Malaysia, nothing in these Terms limits any rights you have under the Consumer Protection Act 1999 (Malaysia) or other applicable Malaysian consumer protection legislation that cannot be excluded by contract.
To request a refund (where applicable), email [email protected] within 7 days of the charge with your account email and the reason.
You may cancel your subscription at any time via the customer portal (accessible from Settings). Cancellation stops future renewals; you retain access until the end of your current billing period.
You may request account deletion by contacting me at [email protected]. Upon deletion, all your personal data and financial records will be permanently removed within 30 days. This action is irreversible.
I may suspend or terminate your account at any time, with or without notice, if:
If your account is terminated for breach, no refund will be issued for any remaining subscription period.
Upon termination, your right to access the Service ceases immediately. Sections 7–10 of these Terms survive termination.
My IP. The Service — including its design, code, text, and all associated intellectual property — is owned by me and protected by applicable copyright and other intellectual property laws. You are granted a limited, non-exclusive, non-transferable licence to use the Service solely for your personal, non-commercial use in accordance with these Terms.
Your data. You retain full ownership of all financial data, expense records, and other content you submit to the Service (“User Data”). By using the Service, you grant me a limited licence to store, process, and display your User Data solely to operate and provide the Service to you. I will not sell, share, or use your User Data for any purpose other than operating the Service.
Feedback. If you submit feedback, suggestions, or ideas about the Service, you grant me a perpetual, royalty-free licence to use that feedback without any obligation to you.
To the fullest extent permitted by applicable law:
To the fullest extent permitted by applicable law:
Some jurisdictions do not allow the exclusion or limitation of certain damages. If applicable law in your jurisdiction does not permit these limitations, they apply to the maximum extent permitted.
You agree to indemnify and hold me harmless from any claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising from your use of the Service, your User Data, or your breach of these Terms.
The Service integrates with third-party providers (Stripe, Polar, Google, Sentry, etc.). These providers are governed by their own terms of service and privacy policies. I am not responsible for the acts or omissions of any third-party provider. Links or integrations do not constitute endorsement.
I may update these Terms at any time. For material changes, I will notify you by email or via a prominent notice in the app at least 14 days before the change takes effect. The revised Terms will be posted here with an updated date. Continued use of the Service after the effective date constitutes your acceptance of the new Terms. If you do not agree to the revised Terms, you must stop using the Service.
These Terms are governed by and construed in accordance with the laws of Malaysia, without regard to its conflict-of-law provisions.
Any dispute will first be attempted to be resolved through good-faith negotiation by contacting me at [email protected].
For questions about these Terms, billing disputes, or account matters:
Xavier K. (Independent developer)
Email: [email protected]