Effective date: 3 July 2026 · Version 1.0 · Mengira Holdings Sdn Bhd
By downloading, installing, or using the Kira mobile application ("App"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the App.
These Terms constitute a legally binding agreement between you and Mengira Holdings Sdn Bhd ("Company", "we", "us", "our"), the developer of Kira.
Kira is an AI-powered personal finance application that allows users to:
To use Kira, you must:
By using the App, you represent and warrant that you meet all of the above requirements.
You must create an account to use Kira. You agree to provide accurate, current, and complete information during registration and to keep this information updated.
You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately at privacy@mengira.com.my if you suspect any unauthorised access to your account.
Each user may maintain only one account. Creating multiple accounts to circumvent usage limits or bans is prohibited.
You agree to use Kira only for lawful purposes and in accordance with these Terms. You agree not to:
We reserve the right to suspend or terminate accounts that violate these rules without prior notice.
Kira offers a free tier with limited features including up to 10 receipt scans per month and basic expense tracking.
Subscriptions are billed monthly through the Apple App Store or Google Play Store. All billing is handled by the respective app store platform — we do not store your payment card information.
You may cancel your subscription at any time through your App Store or Google Play account settings. Cancellation takes effect at the end of the current billing period. No refunds are provided for partial months.
We reserve the right to change subscription prices. We will give you at least 30 days notice of any price increase. Continued use after the notice period constitutes acceptance of the new price.
You own all data you enter into Kira — your transaction records, receipt images, and spending history belong to you.
By using Kira, you grant us a limited, non-exclusive licence to store, process, and display your data solely for the purpose of providing the Service to you.
We do not sell, rent, or share your individual data with third parties for commercial purposes. See our Privacy Policy for full details of how your data is handled.
You may export or delete your data at any time from within the App. See the Privacy Policy for our data deletion process.
The Kira App, including its design, code, trademarks, logos, and content (excluding your personal data), is owned by Mengira Holdings Sdn Bhd and protected by Malaysian and international intellectual property laws.
You are granted a limited, non-exclusive, non-transferable, revocable licence to use the App for your personal, non-commercial use. You may not copy, modify, distribute, sell, or lease any part of the App or its content.
"Kira" and "Mengira" are trademarks of Mengira Holdings Sdn Bhd. You may not use these marks without our prior written consent.
The App is provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that:
To the maximum extent permitted by Malaysian law, we disclaim all implied warranties including merchantability, fitness for a particular purpose, and non-infringement.
To the fullest extent permitted by applicable law, Mengira Holdings Sdn Bhd shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the App.
Our total liability to you for any claims 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 RM100, whichever is greater.
Nothing in these Terms excludes or limits liability for fraud, death or personal injury caused by negligence, or any other liability that cannot be excluded by Malaysian law.
You may stop using the App and delete your account at any time from Settings → Account → Delete Account.
We may suspend or terminate your access to the App at any time, with or without cause, with or without notice — particularly if we believe you have violated these Terms. Upon termination, your right to use the App ceases immediately.
Sections 7, 8, 9, 10, and 12 survive termination of these Terms.
These Terms are governed by and construed in accordance with the laws of Malaysia. Any disputes arising from these Terms or your use of the App shall be subject to the exclusive jurisdiction of the courts of Malaysia.
We may update these Terms from time to time. We will notify you of material changes by email and in-app notification at least 30 days before the changes take effect.
Continued use of the App after the effective date of the updated Terms constitutes your acceptance of the new Terms. If you do not agree to the updated Terms, you must stop using the App and delete your account.
For questions about these Terms:
Email: privacy@mengira.com.my
Company: Mengira Holdings Sdn Bhd
We aim to respond within 5 business days.