Welcome to kiboapp.com. These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Kibo App Holdings Inc. ("Company," "we," "us," or "our"). By accessing or using our website, mobile application, or any services offered by Kibo App Holdings Inc., you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree with any part of these Terms, you must discontinue use of our services immediately.

1. Company Information

Company Name: Kibo App Holdings Inc.

HQ: 280 2nd St, Los Altos, CA 94022

Phone: (888) 338-4605

Email: support@kiboapp.com

2. Nature of Services

Kibo App Holdings Inc. operates a financial technology platform providing digital tools, resources, and services designed to help individuals and businesses manage their financial activities more effectively. Our offerings may include, but are not limited to, personal finance management tools, budgeting solutions, payment facilitation, account aggregation services, financial literacy content, and related digital financial services.

All services provided through kiboapp.com are intended for informational and facilitation purposes. We act as a technology provider and do not serve as a bank, broker-dealer, investment advisor, or insurance company. Any financial products or services accessed through our platform may be provided by third-party financial institutions, and your relationship with those entities is governed by their respective terms and agreements.

3. Financial Services Disclaimer

The information, tools, and services provided on kiboapp.com are for general informational and educational purposes only and do not constitute financial, investment, tax, or legal advice. Kibo App Holdings Inc. does not provide personalized financial recommendations, and nothing on our platform should be interpreted as a solicitation or offer to buy or sell any financial product, security, or investment vehicle.

You should consult a qualified financial advisor, tax professional, or licensed attorney before making any financial decisions. Kibo App Holdings Inc. makes no representations or warranties regarding the accuracy, completeness, or applicability of any information provided through our platform. Your use of any tools, calculators, or informational content is entirely at your own risk.

Past performance of any financial product, service, or strategy discussed or displayed on our platform is not indicative of future results. All financial decisions carry inherent risk, and you accept full responsibility for the outcomes of any actions you take based on the information available on kiboapp.com.

4. Intellectual Property Rights

All content on kiboapp.com, including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, data compilations, software, and the overall design and arrangement of the website, is the exclusive property of Kibo App Holdings Inc. or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works from, publicly display, publicly perform, republish, download, store, or transmit any material from our platform without the prior written consent of Kibo App Holdings Inc., except as follows: you may temporarily store copies of materials in RAM incidental to accessing and viewing those materials, and you may store files that are automatically cached by your web browser for display enhancement purposes.

The Kibo App Holdings Inc. name, logo, and all related product and service names, design marks, and slogans are trademarks of Kibo App Holdings Inc.. You are not permitted to use these marks without the prior written consent of Kibo App Holdings Inc..

5. SMS Messaging – Promotional Marketing Only

Kibo App Holdings Inc. may offer an SMS messaging program through which subscribers receive promotional text messages, special offers, financial tips, product updates, and marketing communications. By opting in to our SMS program, you consent to receive recurring automated promotional text messages at the mobile number you provided. Consent is not a condition of any purchase.

Message Frequency: Message frequency may vary depending on campaign activity and promotions. Recurring messages will be sent periodically.

Message and Data Rates: Standard message and data rates may apply based on your mobile carrier plan. Contact your wireless provider for details about your messaging plan.

Opt-Out Instructions:

• To stop receiving promotional SMS messages, reply STOP to [INSERT SHORT CODE] at any time. You will receive a one-time confirmation message, and no further promotional messages will be sent unless you re-subscribe.

Help:

• For assistance with our SMS program, reply HELP to [INSERT SHORT CODE] or contact us at support@kiboapp.com or (888) 338-4605.

Supported carriers include: AT&T, T-Mobile, Metro PCS, Verizon Wireless, US Cellular, Google Voice, Cellular One, Cellcom, Cellular South, Interop, Clearsky.

Carriers are not liable for delayed or undelivered messages.

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Privacy:

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All other categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties. Please review our Privacy Policy at kiboapp.com/privacy-policy for additional details on how we handle your information.

6. Disclaimer of Warranties

THE SERVICES AND ALL CONTENT PROVIDED ON KIBOAPP.COM ARE OFFERED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT ANY WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. KIBO APP HOLDINGS INC. EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

Kibo App Holdings Inc. does not warrant that the website or services will be uninterrupted, timely, secure, or error-free, that defects will be corrected, or that the website or the servers that make it available are free of viruses or other harmful components. Kibo App Holdings Inc. does not warrant or make any representations regarding the use or the results of the use of the content on the website in terms of accuracy, reliability, or otherwise.

7. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, KIBO APP HOLDINGS INC. AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, AND LICENSORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE SERVICES, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTE, OR ANY OTHER LEGAL THEORY.

IN NO EVENT SHALL THE TOTAL LIABILITY OF KIBO APP HOLDINGS INC. TO YOU FOR ALL CLAIMS ARISING FROM OR RELATING TO THESE TERMS OR YOUR USE OF THE SERVICES EXCEED THE GREATER OF ONE HUNDRED DOLLARS ($100.00) OR THE AMOUNT YOU HAVE PAID TO KIBO APP HOLDINGS INC. IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

8. Governing Law and Jurisdiction

These Terms and any dispute or claim arising out of or in connection with them shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. You agree to submit to the exclusive jurisdiction of the state and federal courts located in Santa Clara County, California, for the resolution of any disputes arising out of or relating to these Terms or your use of our services.

9. Modifications to These Terms

Kibo App Holdings Inc. reserves the right to revise, amend, or update these Terms at any time and at our sole discretion. When changes are made, we will update the Terms on this page. Your continued use of kiboapp.com and our services following the posting of revised Terms constitutes your acceptance of such changes. We encourage you to review these Terms periodically to stay informed about our terms and conditions.

10. Contact Information

If you have any questions, concerns, or requests regarding these Terms of Service, please do not hesitate to reach out to us through any of the following channels: