Keppli Finance Terms and Conditions

Application Description

Keppli Finance is a personal financial management mobile application that enables users to take control of their finances in a simple and secure manner. The application incorporates intelligent analysis and a financial advisor based on artificial intelligence (AI) to provide users with real-time information on their spending habits, savings, and the status of their budgets, helping them make informed financial decisions. Additionally, Keppli Finance has advanced security measures and a cloud backup system that ensure data protection and continuous availability of the user's financial information.

The comprehensive experience offered by Keppli Finance combines the convenience of modern technology with expert guidance, aiming to improve each user's financial health. By downloading or using Keppli Finance, the user agrees to comply with these Terms and Conditions in their entirety.

Features and Functionalities

Keppli Finance offers a variety of services and tools to facilitate personal financial management. Among the main features and functionalities of the application are:

• Cloud Backup: The application securely stores the user's financial data in the cloud, allowing information recovery in case of device change or loss of local information.
• Intelligent Financial Analysis: Keppli Finance analyzes the user's income, expenses, and financial trends through AI algorithms, providing reports and graphs that help understand and improve their financial habits.
• Weekly Notifications: The user receives weekly summaries and alerts about their financial status, including budget reminders, upcoming bills, or anomalies detected in expenses.
• Subscription Control: The application identifies and tracks the user's subscriptions and recurring payments, helping them manage their contracted services and avoid unexpected charges.
• Financial Goals Management: The user can set savings goals or debt payment goals, and Keppli Finance monitors progress toward these goals with recommendations to achieve them.
• Transaction History: A detailed record of all transactions entered or synchronized in the application is stored, allowing the user to consult their financial history at any time.
• Personalized AI Advising: A virtual assistant powered by artificial intelligence (called "Keppli Assistant") provides personalized suggestions and financial advice tailored to each user's particular situation.

Usage Requirements

The use of Keppli Finance is restricted to adults. By registering and using the application, the user declares and guarantees that they are at least 18 years old and have the legal capacity to accept these Terms and Conditions. There are no geographic restrictions for using Keppli Finance; the application can be accessed and used from any location, as long as the user meets the required age of majority. It is the user's responsibility to ensure that the use of the application complies with local laws that may be applicable in their place of residence.

Registration and User Accounts

To use Keppli Finance, it is necessary to create a user account. During the registration process, the user will be asked to provide their full name, a valid email address, and create a password. This information is collected solely for the purpose of creating and managing the account and is securely managed through encryption techniques to protect the confidentiality of the data. In particular, user account passwords are stored in an encrypted form (using cryptographic hash algorithms) in our systems, so not even the Keppli Finance team can read them in plain text.

It is the user's responsibility to provide truthful, accurate, and up-to-date information during registration and use of the application. Likewise, the user must maintain the confidentiality of their password and access credentials. Keppli Finance will never ask you to reveal your password, and the user agrees not to share it with third parties. In case of suspicion of unauthorized access to the account or a security breach, the user must immediately notify the Keppli Finance support team so that appropriate measures can be taken.

Privacy Policy and Data Handling

Keppli Finance is committed to protecting the privacy of its users and handling their data in a transparent and secure manner. The application stores financial information provided by the user, such as transaction records, account balances, budgets, financial goals, and other data necessary to provide the analysis and advisory functionalities. This data is stored on secure servers and used exclusively to provide and improve the application's services, personalize the user experience, and offer more precise financial recommendations tailored to their needs.

The user's personal and financial information is not shared with third parties or sold for commercial purposes. Only in the case of a valid legal requirement by governmental or judicial authorities might Keppli Finance disclose certain user data, in compliance with applicable laws. In any other scenario, the data remains confidential and accessible only to the user themselves and Keppli Finance's internal systems.

Additionally, the application uses an artificial intelligence platform called "Gemini" to assist in financial analysis and personalized advising. This AI operates without training its models with identifiable user data. In other words, the information that the user enters into Keppli Finance is not used to train "Gemini" or any other external machine learning model. The processing of data by the AI is done securely and temporarily, with the sole objective of generating the recommendations or analyses requested by the user at that moment. Keppli Finance does not retain or reuse the user's personal data in AI systems once the response is delivered, thus ensuring that the privacy of their financial information remains intact.

Information Security

The security of our users' information is a priority for Keppli Finance. Therefore, we implement advanced security measures to protect personal and financial data stored in the application. All information transmitted between the application and our servers travels encrypted using security protocols (for example, SSL/TLS) to prevent unauthorized access during communication. Sensitive data, such as user account passwords, are stored in an encrypted manner (using cryptographic hash algorithms) in our systems, which means that not even the Keppli Finance team can read these passwords in plain text.

Likewise, financial transactions and any confidential data stored in the application are encrypted when at rest in our database. This encryption at rest provides an additional layer of protection in case of a security breach of our servers. Despite these measures, the user must also take precautions on their part. It is recommended to use secure and unique passwords, as well as keep their mobile device protected against unauthorized access (for example, through the use of screen lock and updated security software).

Currently, Keppli Finance does not offer the option of two-step authentication (two-factor verification) for login. Therefore, the account security fundamentally depends on the strength of the password and the good practices of the user themselves. The company is evaluating the implementation of two-factor authentication in future updates to provide an additional layer of security to user accounts.

Payment and Transaction Terms

Keppli Finance may offer additional paid services or features, such as premium subscriptions or in-app purchases. All payment transactions made through the application are processed through the Google Pay platform, which allows the user to employ any of the payment methods accepted by Google (for example, credit or debit cards linked to their Google account, among others). Keppli Finance does not impose additional restrictions on payment methods: the user is free to choose any form of payment supported by Google Pay to make their purchases in the application.

Keppli Finance does not access or store the financial information of the user's payment method (such as card numbers), as the entire payment process is securely handled by Google. Any charge, billing, or processing of payment data is governed by the terms and policies of Google Pay, which the user accepts when making a transaction through said platform. In other words, the security and privacy of the user's payment data are guaranteed by the Google Pay infrastructure throughout the entire process.

If any charge for services or subscriptions within Keppli Finance were to apply, the user will be clearly informed of the cost and frequency of such charge before confirming the payment. The user is responsible for ensuring that the data of their payment method is valid and that they have sufficient funds or available credit to cover the applicable amounts. If a payment is rejected or cannot be processed, the application may limit access to the corresponding paid features until the user resolves the issue with their payment method. Any request for refund, subscription cancellation, or dispute of charges must be managed according to Google Pay's refund policies and, if necessary, through Keppli Finance's customer support.

User Responsibilities and Obligations

When using Keppli Finance, the user commits to act responsibly and respect all established rules. The main obligations and expected behaviors of the user are detailed below:

• Truthfulness of Information: The user must provide real, accurate, and up-to-date data when registering and using the application. It is not allowed to provide false, inaccurate information or information that may be misleading.
• Legitimate Use: Keppli Finance must be used only for legitimate purposes and in accordance with its intended purpose. It is prohibited to use the application for any illicit activity, such as financial fraud, money laundering, or operations contrary to law.
• Prohibition of Fraud: The user will not attempt to defraud the platform, other users, or third parties through any functionality of the application. This includes refraining from manipulating the data or results provided by Keppli Finance in order to obtain undue benefits or cause harm.
• Personal and Non-transferable Account: The Keppli Finance account is personal and non-transferable. The user agrees not to share their access credentials (email and password) with any other person or allow third parties to use their account.
• Compliance with Laws and These Terms: The user must comply with all applicable laws and regulations, as well as what is stipulated in these Terms and Conditions, during their use of the application. Failure to comply with these obligations may result in the suspension or cancellation of the user's account and in corresponding legal actions, if the situation warrants it.

Limitations of Liability

Keppli Finance provides the application and its services "as is" and makes reasonable efforts to maintain the platform secure and operational at all times. However, the user acknowledges that events beyond the App's control may occur. To the maximum extent permitted by law, Keppli Finance will not assume responsibility for the following cases:

• Unauthorized Access to the Account: Keppli Finance is not responsible for unauthorized access to the user's account or for any misuse that a third party may make of their credentials. The user is primarily responsible for protecting their login information and device; they must notify the company immediately if they suspect someone has accessed their account without permission.
• Data Loss: The company will not be responsible for the loss, deletion, or corruption of user data stored in the application. While cloud backup mechanisms are implemented to protect the information, there is the possibility of unexpected technical failures that may result in the partial or total loss of data.
• Service Interruptions: Keppli Finance does not guarantee that the service will be available at all times without interruptions or delays. We do not assume responsibility for temporary interruptions or outages of the service, whether due to scheduled maintenance, updates, connectivity issues, server failures, or other technical reasons beyond our control.
• System or Application Failures: The company will not be responsible for software errors, malfunctions, bugs, viruses, or other harmful elements that could affect the use of the application or the accuracy of the financial analyses provided. The use of Keppli Finance is at the user's own risk; the application is provided without warranties of any kind regarding its uninterrupted operation or the accuracy of its results.
• Indirect Damages or Losses: To the extent permitted by law, Keppli Finance is not responsible for indirect, special, incidental, or consequential damages arising from the use or inability to use the application. This includes, but is not limited to, loss of business opportunities, loss of savings or investments, or any financial detriment derived from decisions made by the user based on the information or advice provided by the application.

Intellectual Property

All content included in Keppli Finance —including but not limited to: software, source code, design, interfaces, logos, trademarks, texts, graphics, and other elements of the application and website— is the property of the owners of Keppli Finance or their licensors, and is protected by current intellectual property laws. The user acknowledges that the copyrights and other intellectual property rights over the application and its content belong to Keppli Finance. The use of the application by the user does not imply in any case the transfer of any intellectual property right to the user.

The commercial name "Keppli Finance" reserves all rights over such commercial identifiers to the extent permitted by law.

By accepting these terms, the company grants the user a limited, revocable, non-exclusive, and non-transferable license to use the application for personal and non-commercial purposes, in accordance with the functionalities and guidelines described herein. The user is strictly prohibited from copying, modifying, distributing, transmitting, reproducing, publishing, licensing, creating derivative works, or performing reverse engineering on any part of the application or its contents, unless they have the prior written consent of Keppli Finance. Any unauthorized use of the elements protected by intellectual property may result in the suspension of the user's account and the initiation of corresponding legal actions.

Modifications and Updates

Keppli Finance reserves the right to modify these Terms and Conditions, as well as to introduce changes, improvements, or updates to the application, at any time. When a significant modification to the Terms and Conditions is made or a substantial update of the application is launched, the user will be notified through the registered email and/or by means of a prominent notification within the application. Such communication will inform the user about the nature of the changes and the date from which the new terms or the new version of the application will take effect.

It is the user's responsibility to review the notifications of changes or updates and understand the new conditions or features incorporated. If the user continues to use the application after the effective date of the modifications, it will be understood that they accept the revisions made to the Terms and Conditions. In the event that the user does not agree with the modified conditions, they must stop using Keppli Finance before the date on which the new provisions take effect.

Additionally, the Keppli Finance mobile application may automatically download and install (or through user confirmation) software updates from the corresponding app store. It is recommended to keep the application updated to the latest available version to ensure having the latest features, security improvements, and bug fixes.

Jurisdiction and Applicable Law

These Terms and Conditions are governed by and interpreted in accordance with the general laws of the Republic of Colombia. The relationship between the user and Keppli Finance is subject to current Colombian legislation, without the application of any special regulations of the financial sector, given that the application does not operate as a regulated financial entity.

Any controversy, claim, or dispute that arises in relation to these Terms and Conditions, or with the use of the application, will be submitted to the jurisdiction of the competent courts of Colombia. If the user uses the application from outside Colombia, they agree that Colombian laws and courts will be applicable to resolve any conflict related to Keppli Finance. In any case, no provision of these Terms and Conditions will affect the inalienable rights that the consumer protection laws of the user's country of residence may grant them.

Contact

If the user has questions, comments, or needs assistance regarding the application or these Terms and Conditions, they can contact the Keppli Finance team through the following communication channels:

• Email: Send a message to the official support address: support@kepplifinance.com.
• Social Media: Contact us through our official profiles on social networks (for example, Twitter, Facebook, or LinkedIn), where a representative of Keppli Finance will attend to the inquiry as soon as possible.

The schedule and availability of the customer service may vary, but the company strives to respond to support requests in the shortest possible time. We thank our users for trusting Keppli Finance and we commit to providing them with help or additional information they may require in relation to the application.