Terms of Service

Last updated: May 12, 2026

These Terms of Service (“Terms”) govern your use of the Keipt mobile application (“App”) operated by Nyktora Group, LLC (“we,” “our,” or “us”). By downloading, installing, or using the App, you agree to these Terms.

Eligibility

You must be at least 13 years old to use the App. If you are under 18, you represent that you have your parent or guardian’s permission to use the App. You must have a valid Apple ID or Google account to create a Keipt account.

Your Account

You are responsible for maintaining the security of your account credentials. You may not share your account with others or create multiple accounts. You are responsible for all activity that occurs under your account.

We reserve the right to suspend or terminate accounts that violate these Terms.

Service Description

Keipt provides:

  • Receipt scanning: Cloud-based AI processing (Google Gemini via OpenRouter) to digitize paper receipts. Images are OCR’d in real time and not retained by the AI provider. On Free, images stay on your device; on Pro and Max, images are stored in our cloud (Cloudflare R2) for cross-device access
  • Expense tracking: Automatic categorization, search, and organization of receipt data
  • Spending insights: Visual breakdowns and trends of your spending patterns (paid plans)
  • Tax preparation tools: IRS Schedule C category mapping and exportable reports — including a printable PDF tax report (Max plan)
  • Bookkeeper Pass (Max): Owners can grant a bookkeeper, accountant, or tax preparer read-only access to a single business via secure emailed link. The recipient does not need a Keipt account. Owners can revoke access at any time. See the Privacy Policy for what data is shared and how it’s stored.

Subscription Terms

Plans and Pricing

Keipt offers three tiers:

  • Free: 30 receipt scans per month, AI auto-categorization, 7-day spending insights with a 30-day preview (local-only — data stays on your device)
  • Pro: Everything in Free, plus priority scanning (no monthly rate limit), full spending insights history, cloud sync and backup, smart search, family groups
  • Max: Everything in Pro, plus multiple business entities, IRS Schedule C category mapping, tax-ready CSV and PDF Tax Report exports, Bookkeeper Pass (invite up to 5 bookkeepers per business via secure email link), Annual Wrapped

Current pricing is available at getkeipt.com.

We may introduce, change, or lower usage limits on any tier in future versions of the service. Material changes will be communicated in an update release-notes entry before taking effect.

Billing and Renewal

  • Subscriptions are billed through the Apple App Store or Google Play Store
  • Subscriptions auto-renew unless cancelled at least 24 hours before the end of the current billing period
  • You can manage or cancel your subscription in your device’s subscription settings (not within the App)

Refunds

Refund requests are handled by Apple or Google according to their respective refund policies. We do not process refunds directly.

Price Changes

We may change subscription prices with at least 30 days’ notice. Price changes take effect at the start of the next billing cycle after the notice period.

Acceptable Use

You agree not to:

  • Submit fraudulent, fabricated, or altered receipts
  • Use the App for any illegal purpose
  • Reverse engineer, decompile, or disassemble the App
  • Attempt to access other users’ accounts or data
  • Use automated scripts, bots, or scrapers to interact with the App
  • Circumvent any usage limits or access controls

Violation of these terms may result in immediate account suspension or termination.

Intellectual Property

The App, including its design, code, features, and branding, is owned by Nyktora Group, LLC and protected by intellectual property laws.

Your data belongs to you. You retain full ownership of all receipt data, images, and business information you create within the App. We claim no ownership over your content.

Disclaimers

THE APP IS PROVIDED “AS IS” WITHOUT WARRANTIES OF ANY KIND. Specifically:

  • Keipt is not a financial advisor. Spending insights are informational only and do not constitute financial advice.
  • Keipt is not a tax professional. IRS categories and tax exports are provided as tools to assist your record-keeping. Consult a qualified tax professional for tax advice.
  • OCR accuracy is not guaranteed. Always review scanned data before relying on it for important purposes.
  • We do not guarantee uninterrupted or error-free service.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NYKTORA GROUP, LLC SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF DATA, LOSS OF PROFITS, OR BUSINESS INTERRUPTION, ARISING OUT OF OR RELATED TO YOUR USE OF THE APP.

OUR TOTAL LIABILITY FOR ANY CLAIM ARISING FROM THESE TERMS OR YOUR USE OF THE APP SHALL NOT EXCEED THE AMOUNT YOU PAID US IN THE 12 MONTHS PRECEDING THE CLAIM, OR $50, WHICHEVER IS GREATER.

Termination

  • By you: You may delete your account at any time from Settings → Delete Account. This permanently removes all your data.
  • By us: We may suspend or terminate your account if you violate these Terms, engage in fraudulent activity, or if required by law. We will provide notice when possible.

Upon termination, your right to use the App ceases immediately. Sections that by their nature should survive termination (Disclaimers, Limitation of Liability, Governing Law, Dispute Resolution) will continue to apply.

Governing Law

These Terms are governed by the laws of the State of Texas, without regard to its conflict of laws principles.

Dispute Resolution

Any dispute arising from these Terms or your use of the App shall be resolved through binding arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules. Arbitration shall take place in Texas.

Class Action Waiver: You agree to resolve disputes with us on an individual basis. You waive any right to participate in a class action, class arbitration, or representative proceeding.

Small Claims Exception: Either party may bring an individual action in small claims court for disputes within that court’s jurisdictional limits.

Changes to These Terms

We may update these Terms from time to time. We will notify you of material changes by posting the updated Terms in the App and updating the “Last updated” date. Your continued use of the App after changes constitutes acceptance of the updated Terms.

If you do not agree with the updated Terms, you may delete your account and stop using the App.

Contact Us

If you have questions about these Terms, contact us at:

Nyktora Group, LLC Email: [email protected]