Last updated: April 7, 2026
By downloading, installing, accessing, or using Kaching ("the App"), you acknowledge that you have read, understood, and agree to be bound by these Terms of Service ("Terms") and our Privacy Policy. If you do not agree to these Terms, you must immediately stop using the App and delete it from your device.
Kaching is a personal expense tracking application that captures and categorizes financial transactions from SMS messages, app notifications, and email on your device. The App is provided for personal, non-commercial use only.
You must be at least 13 years old to use the App. By using the App, you represent and warrant that you meet this requirement and have the legal capacity to enter into these Terms.
You are solely responsible for maintaining the confidentiality and security of your device, PIN, passwords, and any cloud sync credentials. You agree to accept full responsibility for all activities that occur under your account. We are not liable for any loss or damage arising from your failure to secure your account or device.
You agree not to:
Purchases are processed through Google Play or Apple App Store. All payments are non-refundable except as required by applicable law or the respective store's refund policy. We reserve the right to change pricing at any time; existing paid subscriptions will be honored at the rate in effect at the time of purchase until the end of the current billing period.
Ultra subscriptions automatically renew at the end of each billing period unless cancelled at least 24 hours before the renewal date. You may cancel at any time through Google Play or the Apple App Store. Upon cancellation, you retain access to Ultra features until the end of your current billing period. No partial refunds are issued for unused portions of a billing period.
Kaching uses pattern-based parsing and AI to extract transaction data. We do not guarantee the accuracy, completeness, or reliability of parsed amounts, merchants, categories, or any other extracted data. The App is an assistive tool only — you are solely responsible for verifying all financial data and should not rely on the App as your sole source of financial records. Any financial decisions made based on data provided by the App are made at your own risk.
When you connect an email account, the App accesses your email solely to scan for transaction-related messages. Kaching requests read-only access — it cannot send, delete, or modify your emails. You may disconnect your email at any time from the App's settings.
Kaching's use and transfer of information received from Google APIs adheres to the Google API Services User Data Policy, including the Limited Use requirements.
Cloud sync is optional and disabled by default. If you enable cloud sync:
The App, including but not limited to its design, source code, graphics, logos, icons, user interface, branding, documentation, and all related intellectual property, is the exclusive property of Kaching and is protected by copyright, trademark, and other intellectual property laws. You are granted a limited, non-exclusive, non-transferable, revocable license to use the App solely for personal use in accordance with these Terms. All rights not expressly granted are reserved.
THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. To the fullest extent permitted by applicable law, we disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not warrant that the App will be uninterrupted, error-free, secure, or free of viruses or other harmful components.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL KACHING, ITS DEVELOPERS, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, including but not limited to damages for loss of profits, revenue, data, goodwill, or other intangible losses, arising out of or in connection with your use of or inability to use the App, even if we have been advised of the possibility of such damages.
Our total aggregate liability for any claims arising under these Terms shall not exceed the amount you paid to us in the twelve (12) months preceding the claim, or US$50.00, whichever is less.
You agree to indemnify, defend, and hold harmless Kaching and its developers, officers, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or in connection with: (a) your use of the App; (b) your violation of these Terms; (c) your violation of any third-party rights; or (d) any financial decisions made based on data provided by the App.
We reserve the right to modify, suspend, or discontinue the App or any part of it (including features, pricing tiers, and cloud services) at any time, with or without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuation of the App. We may also release updates that you are required to install in order to continue using the App.
We may terminate or suspend your access to the App or cloud services immediately, without prior notice, for any reason, including but not limited to breach of these Terms, suspected fraud, or abuse of the service. Upon termination, your license to use the App ceases immediately. Local data stored on your device remains yours. Cloud data may be deleted 30 days after termination unless you request earlier deletion.
These Terms shall be governed by and construed in accordance with the laws of Malaysia, without regard to conflict-of-law principles. Any dispute arising out of or relating to these Terms or the App shall first be attempted to be resolved through good-faith negotiation. If negotiation fails, the dispute shall be submitted to the exclusive jurisdiction of the courts of Malaysia. You waive any objection to the exercise of jurisdiction over you by such courts and to venue in such courts.
You agree that any disputes with Kaching will be resolved on an individual basis only. You waive your right to participate in any class action lawsuit, class-wide arbitration, or any other representative proceeding against Kaching, to the extent permitted by applicable law.
If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.
These Terms, together with the Privacy Policy, constitute the entire agreement between you and Kaching regarding the use of the App and supersede all prior agreements, representations, and understandings.
We reserve the right to update or modify these Terms at any time. Changes take effect immediately upon posting. Your continued use of the App after any changes constitutes acceptance of the revised Terms. We will update the "Last updated" date at the top of this page. It is your responsibility to review these Terms periodically.
For questions about these Terms, contact us at:
feedback@kachingnow.com