Please read these terms and conditions carefully before using this site

Who we are and how to contact us:

www.kibomoney.com is a site operated by Three Peak Ventures OÜ, d/b/a Kibo (“Kibo”, “we”, “us”, or “our”).

Our legal entity is as follows:

Three Peak Ventures OÜ, company number 16640187 with registered office address at Harju maakond, Tallinn, Nõmme linnaosa, Pärnu mnt 388b, 11612. Kibo is a financial technology company, not a bank. Via our regulated partners, Kibo is able to provide financial products and services to its users.

To contact us, please email support@usekibo.com

By using our site you accept these terms

Three Peak Ventures OÜ, d/b/a Kibo (“Kibo Money”, “Kibo”, “we”, “us”, or “our”) is committed to transparency. By accessing and continuing to use our site, you confirm that you accept these terms of use and that you agree to comply with them. If you do not agree to these terms, you must not use our site.

We recommend that you print a copy of these terms for future reference.

There are other terms that may apply to you

These terms of use refer to the following additional terms, which also apply to your use of our site:

• Our Privacy Policy, which explains how we may use your personal information.

• Our Cookie Policy, which sets out information about the cookies on our site.

We may make changes to these terms

We may amend these terms from time to time. Every time you wish to use our site, please check these terms to ensure you understand the terms that apply at that time. These terms were most recently updated on December 1, 2022.

We may make changes to our site

We may update and change our site from time to time to reflect changes to our products, our users' needs and our business priorities. We do not guarantee that our site, or any content on it, will be free from errors or omissions.

We may suspend or withdraw our site

Our site is made available free of charge and provided on an “as is” and “as available” basis.

We do not guarantee that our site, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our site for business and operational reasons at any time without notice.

We are not liable to you if, for any reason, our site is unavailable at any time or for any period.

You are responsible for making the arrangements necessary to access our site. You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms of use and other applicable terms and conditions, and that they comply with them.

You must keep your account details safe

If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.

We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these terms of use.

If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us at support@usekibo.com.

Whilst we are committed to protecting your personal details and our site and services have been designed with your security in mind, you are reminded that the internet is not secure and you should not send any personal information or account information to us using our email and chat services and we will not ask you to do so.

We recommend that you always lock your computer or mobile device when you are not using it, use the latest versions of your chosen browser and you install, use and maintain up-to-date virus protection software.

How you may use material on our site

We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it. All such rights are reserved.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

Our status (and that of any identified contributors) as the authors of content on our site must always be acknowledged.

You must not use any part of the content on our site for commercial purposes without obtaining a license to do so from us or our licensors.

If you print off, copy or download any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

Do not rely on information on this site

The content on our site is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site.

Although we make reasonable efforts to update the information on our site, we make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete or up to date.

We are not responsible for websites we link to

Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval by us of those linked websites or information you may obtain from them. We have no control over the contents of those sites or resources.

User-generated content is not approved by us

This website may include information and materials uploaded by other users of the site, other social networks and review sites. This information and these materials have not been verified or approved by us. The views expressed by other users on our site do not represent our views or values.

If you wish to complain about information and materials uploaded by other users please contact us at support@usekibo.com.

Our responsibility for loss or damage suffered by you

We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation.

Please note that we only provide our site for private use. You agree not to use our site for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.

How we may use your personal information

We will only use your personal information as set out in our Privacy Policy. We are not responsible for viruses and you must not introduce them. We do not guarantee that our site will be secure or free from bugs or viruses.

You are responsible for configuring your information technology, computer programmes and platform to access our site. You should use your own virus protection software.

You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorized access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offense under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will cooperate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.

Which country's laws apply to any disputes?

If you are a consumer, please note that these terms of use, their subject matter and their formation, are governed by Estonian law. You and we both agree that the courts of Estonia will have exclusive jurisdiction.

Changes to this Policy

This Policy describes Kibo's current terms of service. Kibo may change its practices in the future and we may revise this Policy to reflect material changes. This Policy was last revised December 1, 2022, and is effective as of that date.