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

Introduction

We intend to provide you with early access to some of our products, features, and functionalities that we are still testing. These products or features are identified as alpha, beta, preview, early access, or evaluation, or words or phrases with similar meaning (“Beta Products”), and are made available to you so that we can get your feedback (the “Purpose”).

By joining the Kibo during Beta and using the Beta Products, you are agreeing to be bound by this agreement. 

Beta Products

You will receive our Beta Products while we are still trying to work out the kinks and before we officially launch features and functionality to the rest of our customer base. As a result and notwithstanding anything to the contrary in this agreement or any other agreement between you and Kibo: (a) you may use or decline to use any Beta Product; (b) Beta Products may not be supported and may be changed at any time without notice to you; (c) Beta Products may not be as reliable or available as other products or services you use; (d) Beta Products have not been subjected to the same security measures and auditing to which other established products or services may have been subjected; and (e) Kibo WILL HAVE NO LIABILITY ARISING OUT OF OR IN CONNECTION WITH ANY BETA PRODUCT—USE AT YOUR OWN RISK. In many cases, based on your use and feedback, we will replace or upgrade the Beta Products with new versions prior to the official launch.

Your use of the Beta Products is also governed by our terms of service and Privacy Policy. In the event, there is a conflict between this agreement and those terms of service and privacy policy (in particular, the terms related to the treatment of Beta Products), the terms of this agreement will govern.

Confidential Information

Confidential Information means any technical or business information disclosed by us to you that is designated as confidential or that reasonably should be understood to be confidential (this includes our Beta Products).

Confidential Information means any technical or business information disclosed by us to you that is designated as confidential or that reasonably should be understood to be confidential (this includes our Beta Products). You may use the Confidential Information only for the Purpose. You must take reasonable measures to protect the Confidential Information. You will not disclose Confidential Information to any third party. You may disclose Confidential Information to the extent required by law or regulation if you give us reasonable advance written notice (to the extent permitted) so that we can seek to prevent or limit the disclosure.

Your confidentiality obligations will not apply to the extent any Confidential Information:

• is generally known or available to the public, through no act or omission of yours;

• was known to you, without restriction, prior to receiving it from us;

• is rightfully acquired from a third party who has the right to disclose it without restriction;

• or is independently developed without access to any Confidential Information.

We will retain all right, title, and interest to the Confidential Information. This agreement does not grant you any intellectual property rights or other rights of ours, except for the limited right to use Confidential Information for the Purpose.

Neither party will use the other party’s name publicly or otherwise publicly refer to Confidential Information or the participation in the Beta Program without the other’s written consent, not to be unreasonably withheld or delayed.

The unauthorized use or disclosure of the Confidential Information would cause us irreparable harm, and accordingly, we may obtain immediate equitable relief to restrict any unauthorized use or disclosure of the Confidential Information, in addition to other rights and remedies we may have.

User Studies and Feedback

You may be invited to participate in online or in-person user studies conducted and recorded by us. We will own any recording of the studies and you grant us permission to use the recording (or other output) of the studies for our internal research and product development purposes.

We appreciate any feedback—such as oral or written comments, suggestions, error reports, and analysis (“Feedback”)—you give us regarding our Confidential Information. You agree to and hereby do assign to us all right, title, and interest in the Feedback and agree to provide us any assistance we require to document and maintain our rights in the Feedback.

Software

Some of our Beta Products allow you to download, access and/or login to software that we are testing as part of the Beta Program (Beta Software), which may update automatically. So long as you comply with this agreement, we give you a limited, nonexclusive, non-transferable, revocable license to use the Beta Software, solely to access the Beta Products. To the extent any component of the Beta Software may be offered under an open source license, we'll make that license available to you and the provisions of that license may expressly override this agreement. Unless the following restrictions are prohibited by law, you agree not to reverse engineer or decompile the Beta Products, attempt to do so, or assist anyone in doing so.

Termination

Either party may terminate this agreement at any time for any reason upon prior written notice (email is acceptable). We may terminate your access to the Beta Products at any time for any reason. Upon written request (email is acceptable) or termination of this agreement, you will immediately cease using the Confidential Information. Obligations with respect to Confidential Information already disclosed will survive for 5 years after disclosure.

ModificatioN

We may revise this agreement from time to time and the most current version will always be posted on our website. If we think a revision is material, we will notify you (for example via email to the email address associated with your account). Other revisions may be posted to our website, so please check it regularly. By continuing to access or use the Beta Products after revisions become effective, you agree to be bound by the revised agreement. If you do not agree to the new terms, please stop using the Beta Products.

Miscellaneous

This agreement is governed by Estonian law except for its conflicts of law principles. All claims arising out of or relating to this agreement must be litigated exclusively in the courts of Estonia. Both parties consent to the venue and personal jurisdiction in those courts. However, some countries have laws that require agreements to be governed by the local laws of the consumer’s country or that give consumers the right to bring disputes in their local courts. This paragraph doesn't override those laws.

This agreement is the complete and exclusive statement regarding its subject matter and supersedes all prior or contemporaneous agreements. Failure to enforce any provision of this agreement is not a waiver. If any provision is unenforceable, the other provisions will remain effective. You may not assign this agreement, in whole or in part, without our prior written consent, and any assignment otherwise is void. This agreement does not create any joint venture or partnership relationship. There are no third party beneficiaries to this agreement.