Welcome to Keel. These terms explain the rules for using the app. By using Keel, you agree to them. Please read the section on financial information carefully — it's the most important one.
Who we are
Keel is operated by Ng Qi Heng, an individual developer based in Malaysia ("we", "us", "Keel"). Contact: hello@get-keel.app.
What Keel is
Keel is a personal tool that helps you track and understand your own debts, subscriptions, and financial commitments, and offers an optional AI Coach that gives general, educational guidance about your situation.
Keel is an informational and educational tool — not financial advice. Keel is not a bank, lender, financial institution, financial adviser, or regulated financial-services provider. It does not provide regulated financial advice, investment advice, credit services, or debt-management services. The information and AI guidance Keel provides are for general informational and educational purposes only. They are not a substitute for advice from a qualified, licensed professional who understands your full personal circumstances. Always do your own research and consider seeking professional advice before making financial decisions.
The AI Coach
The AI Coach generates responses using an AI model (Google's Gemini). You should know:
- AI-generated content can be inaccurate, incomplete, or wrong. Use your own judgement before acting on anything it says.
- The Coach gives general educational guidance based on the information you've entered — it does not know your full circumstances and cannot account for everything.
- The Coach is not a licensed financial adviser, and its responses are not professional financial, legal, tax, or accounting advice.
- You are responsible for any decisions you make. We are not liable for outcomes resulting from reliance on the Coach or the app.
If you are in financial difficulty, we encourage you to contact AKPK (Agensi Kaunseling dan Pengurusan Kredit), Malaysia's free government credit-counselling agency, or another qualified professional.
Your responsibilities
- The accuracy of the information in Keel depends on what you enter and keep up to date. Keel cannot see your real accounts and relies entirely on your input.
- You agree to use Keel only for lawful, personal purposes.
- You agree not to misuse, attempt to disrupt, reverse-engineer, or gain unauthorised access to the app or its supporting services.
Subscriptions
- Keel offers an optional auto-renewing premium subscription (monthly or annual), purchased through the Apple App Store or Google Play depending on your device.
- New subscribers may be offered a free trial. If a trial is offered and you start one, you won't be charged during the trial period, and the subscription converts to a paid, auto-renewing subscription at the end of it unless you cancel first. You can cancel at any time during the trial through your Apple ID or Google Play account settings. Trial eligibility is determined by Apple or Google, not by us, and is generally limited to one per subscription group.
- Payment is charged to your Apple ID or Google Play account at confirmation of purchase. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period.
- You can manage or cancel your subscription anytime in your Apple ID or Google Play account settings. Pricing is shown in the app before purchase.
- Refunds are handled by Apple or Google according to their policies; we generally cannot issue refunds directly.
Your data
Your financial data is stored locally on your device. How we handle the limited data that leaves your device — the sanitised AI snapshot, subscription information, anonymous usage events, and any feedback you send — is described in our Privacy Policy.
No warranty
Keel is provided "as is", without warranties of any kind, whether express or implied. We do not guarantee that the app will be uninterrupted, error-free, or that any calculation, score, or suggestion is accurate or suitable for your circumstances.
Limitation of liability
To the fullest extent permitted by law, Keel and its operator will not be liable for any indirect, incidental, or consequential damages, or for any financial loss, arising from your use of (or inability to use) the app or reliance on its content, including the AI Coach. Your use of Keel is at your own discretion and risk.
Changes
We may update these terms from time to time. We'll update the date above, and continued use after changes means you accept the updated terms. We may also update, change, or discontinue features of the app.
Governing law
These terms are governed by the laws of Malaysia. Any disputes will be subject to the jurisdiction of the Malaysian courts.
Contact
Questions about these terms? Email hello@get-keel.app.
Keel — operated by Ng Qi Heng, Malaysia. These terms are provided for transparency and do not constitute legal advice.