Terms of Service

Effective date: 3 October 2026 · Version 1.0

These terms are the agreement between you and Manandai Ltd, the New Zealand company that makes Keep Above. They cover the Keep Above app for iPhone, iPad and Android and the keepabove.com website (together, “Keep Above”), and they are the Terms of Use for the app. If you got the app from the Apple App Store, Apple’s standard licence agreement for App Store apps also applies (section 10).

You accept these terms when you tick the box to agree to them as you create your account, or when you accept them in the app. If you agreed to an earlier version of our terms, that version applies to you until you accept this one. These terms also apply if you use the demo or the website without an account. If you don’t agree, please don’t use Keep Above. How we handle personal information is explained in our Privacy Policy.

1. Who we are

Keep Above is made by Manandai Ltd (“we”, “us”, “our”), a company registered in New Zealand. Our address for service is Suite 1179, Unit A, Level G, 26 Hobson Street, Auckland City 1010, New Zealand, and you can email us at support@keepabove.com.

2. What Keep Above is, and isn’t

2.1Keep Above is a budgeting and planning tool. You enter your balances, income, bills and plans, and it shows the arithmetic: balances on future dates, what is set aside for what, and how a plan would play out if things happen as entered.

2.2It works from what you enter, plus some public reference information, such as exchange rates, price levels, inflation, public holidays and average weather. It doesn’t connect to any bank, card or other financial institution, it can’t see your real accounts, and it can’t move money or make payments.

2.3Every figure in Keep Above is a projection built from your entries, any reference information it uses, and the assumptions shown with it. Real balances, prices, interest rates, exchange rates and dates can turn out differently, and a projection is not a promise about what will happen.

2.4Keep Above doesn’t give financial, investment, credit, tax or legal advice, and nothing in it is a recommendation to buy, sell, borrow, save, invest or pay anything. We are not a bank, a lender or a financial adviser, and we never hold your money. Decisions about your money are yours.

2.5The free calculators on keepabove.com work the same way: they run generic arithmetic on the figures you enter. They are not a quote, an offer or a comparison of any provider’s products.

3. Who can use Keep Above

3.1You must be 18 or older to create an account.

3.2Keep Above is made for personal and household use. If you use it for a business, section 13.6 applies.

3.3You can’t use Keep Above where doing so would break the law that applies to you.

4. Your account

4.1You need an account to use Keep Above, apart from the demo: sample budgets you can look around without an account. The demo is view-only, and nothing you do in it is saved. An account is an email address and a password.

4.2Use an email address you can get into. It’s how you sign in and how we contact you about your account.

4.3Keep your password private. You are responsible for what happens in your account, unless it happens because of something we did wrong. If you think someone else has got into your account, tell us straight away at support@keepabove.com.

4.4An account is for one person. You can’t sell or transfer it.

4.5You can delete your account at any time in the app under Menu → Profile → Delete account. You’ll need your password and an internet connection; if you can’t get to it, email us and we’ll delete it for you. This permanently deletes your account and your budgets, as described in our Privacy Policy. What you added to a budget someone else owns stays in their budget (section 6.4). Deleting your account does not cancel a Premium subscription — see section 5.4.

5. The free plan and Premium

5.1Keep Above has a free plan and a paid subscription called Premium. The app shows what each one includes, such as how many budgets you can have, before you buy. Budgets that other people share with you count towards the free plan’s limit, unless the owner’s Premium covers you; the app says when it does. A trip plan or event plan you’ve archived doesn’t count.

5.2Premium is sold through the Apple App Store or Google Play (“the store”). The store takes the payment, adds any taxes that apply, and shows you the price in your local currency before you confirm. Your purchase is also covered by the store’s own terms. Premium belongs to the Keep Above account you’re signed in to when you buy or restore it.

5.3Premium renews automatically at the end of each subscription period (monthly or yearly) at the price that applies at the time, unless you cancel before it renews — on the App Store, at least 24 hours before the period ends.

5.4You cancel through the store. On an iPhone or iPad: Settings → [your name] → Subscriptions. On Android: Google Play → Payments & subscriptions → Subscriptions. Keep Above has a shortcut under Menu → Settings → Manage subscription. Cancelling stops the next renewal; Premium stays on until the end of the period you’ve paid for. Deleting the app or your Keep Above account does not cancel your subscription. To get Premium back on a new phone or after reinstalling, tap Restore on the Premium screen, or go to Menu → Settings → Restore purchases.

5.5Apple and Google handle refund requests for store purchases under their own refund policies (Apple, Google Play). That doesn’t limit your consumer rights, which are against us (section 13): if something has gone wrong, email us, and if you’re owed a refund that the store doesn’t give you, we’ll pay it ourselves.

5.6If an offer is shown when you subscribe — for example a free trial, an introductory price, or a discount through a partner’s link — the offer’s terms are the ones shown at that time. If you start a free trial and don’t cancel before it ends, your paid subscription starts when the trial ends.

5.7We may change Premium’s price. The store tells you before a new price applies to your subscription, and where the store’s rules or your local law require your agreement, the new price only applies if you agree. You can cancel before a new price takes effect.

5.8If Premium ends, nothing is deleted. The app shows as many budgets as the free plan allows, choosing which, and keeps the rest stored until Premium is active again. Premium tools lock, and what you saved in them stays. If your Premium covered people you share with, that cover ends shortly afterwards (the app shows when), and your budgets then count towards their free plan.

6. Shared budgets

6.1You can share any budget you own — including a trip plan, an event plan, shared bills, occasions, a home loan, loans and payment plans, things you own or a shopping list — with other people who use Keep Above, up to the number of people shown in the app. The person who created the budget is its owner, and ownership can’t be passed to someone else.

6.2An invite code works for 24 hours. A code for a group lets anyone who has it join until the budget is full; a code for one person works once. Each code also sets whether the people who use it can make changes or only see the budget. Only send a code to the people you mean to invite. The owner can cancel or replace a code at any time, and can add someone who is already in another of their shared budgets without a code.

6.3Everyone in a shared budget can see everything in it, including the name each person uses and a list of recent changes, kept for 90 days, that shows who made them. You choose your name when you join; after that, only the owner can change it. Members can change the budget unless the owner sets them to “view only”. Someone who is view only can see the budget but not change it, apart from answering their own shares of costs and, on shared bills, adding their own income figure and recording payments they made or received. Only the owner can delete the budget or change who is in it. A shared budget’s dates follow its owner’s home time zone.

6.4The owner decides who has access: they can change what a member can do, rename them, remove them or stop sharing. A member can leave at any time. When a budget stops being shared with you, you lose access to it, including anything you added to it, because it is part of the owner’s budget. Shares of costs you accepted into your own budgets stay there.

6.5If the owner deletes a shared budget or their account, the budget is deleted for everyone in it. Anything people accepted from it into their own budgets stays there.

6.6Only put information about other people into Keep Above — for example names on a trip plan, shared bills or an event plan, or birthdays and gift ideas in occasions — if you have a good reason to and they would expect you to. Don’t use names, notes or sharing to upset or harass anyone.

6.7Trip plans, shared bills and event plans can work out each person’s share of a cost and who would owe whom. On a trip plan or shared bills, a share sent to you is a request, not a bill: nothing goes into your own budget unless you accept it, and you can decline. Keep Above only records what people enter. It doesn’t collect, pay or move money between people, and it never asks anyone to pay; any settling up happens outside the app.

6.8Something one budget adds to another — such as an occasion’s savings goal, or a share of a cost you accept — can be seen by anyone the other budget is shared with.

7. Your content

7.1Everything you put into Keep Above — your budgets, entries, names, notes and plans — is your content, and you own it.

7.2You give us permission to store, copy, process and display your content only as needed to run Keep Above for you and for the people you share it with, to keep it secure, and to meet our legal obligations. This permission ends when your content is deleted, apart from copies the law requires us to keep and copies that are still being cleared from our providers’ systems as described in our Privacy Policy. What you add to a budget someone else owns stays part of their budget after you leave it or delete your account, and this permission continues for it.

7.3You are responsible for your content, including having the right to add any information about other people.

7.4If you send us ideas, suggestions or feedback, you keep any rights you have in them, and you give us a non-exclusive, permanent, royalty-free licence to use them to improve Keep Above.

8. Using Keep Above fairly

When you use Keep Above, you agree not to:

• break the law, or use Keep Above to harm, harass or deceive anyone;
• get into, or try to get into, someone else’s account, or a budget you haven’t been invited to, or use an invite code that wasn’t meant for you;
• interfere with, overload, probe or attack Keep Above or the systems it runs on, or get around its security or its plan limits;
• copy, sell, rent or redistribute the app, or use it to build a competing product;
• reverse-engineer or decompile the app, except where the law allows you to;
• use bots, scrapers or other automated tools on Keep Above, apart from ordinary search-engine indexing of the website.

Nothing in these terms stops you reviewing Keep Above honestly anywhere, or complaining to us, a regulator or a court.

9. The app licence and our property

9.1We give you a personal, non-exclusive, non-transferable licence to download and use the app on devices you own or control, for your own use, in line with these terms and the store’s usage rules (including Family Sharing where the store offers it). We can end this licence if we end your access under section 11.

9.2Keep Above — the software, its design, text and graphics, and the Keep Above name and logo — belongs to us or the people we license it from. These terms don’t give you ownership of any of it or the right to use our name or logo.

9.3The app includes open-source software, which is used under its own licence terms.

10. Apple and Google

If you got the app from the Apple App Store, Apple’s Licensed Application End User License Agreement also applies to your use of the app, alongside these terms.

10.1These terms are between you and us, not Apple or Google. We, not Apple or Google, are responsible for the app and its content.

10.2Apple has no obligation to provide maintenance or support for the app. Support comes from us (section 18).

10.3If the app doesn’t meet a warranty that applies to it, you can also tell Apple, and Apple may refund the price you paid for the app, if any. To the maximum extent the law allows, Apple has no other warranty obligation for the app. Any other claims, losses, liabilities, damages, costs or expenses caused by a failure to meet a warranty are our responsibility, not Apple’s. This doesn’t affect your rights against us under section 13.

10.4We, not Apple, are responsible for dealing with any claim by you or anyone else about the app or your having or using it — including product liability claims, claims that the app doesn’t meet a legal or regulatory requirement, and claims under consumer protection, privacy or similar laws.

10.5If anyone claims that the app, or your having or using it, infringes their intellectual property rights, we, not Apple, are responsible for investigating, defending, settling and resolving that claim.

10.6You confirm that you are not in a country that is subject to a United States Government embargo or that the United States Government has designated as a “terrorist supporting” country, and that you are not on any United States Government list of prohibited or restricted parties.

10.7When you use the app, you must follow any third-party terms that apply to you, such as your mobile or internet provider’s.

10.8Apple and Apple’s subsidiaries are third-party beneficiaries of these terms. Once you accept these terms, Apple has the right, and is taken to have accepted the right, to enforce them against you as a third-party beneficiary.

10.9If you got the app from Google Play, Google Play’s terms also apply to your download and any purchase.

11. Suspending or ending

11.1You can stop using Keep Above whenever you like, and delete your account in the app.

11.2We may suspend or close your account only if you seriously or repeatedly break these terms, if you use Keep Above for fraud or another unlawful purpose, if the law requires us to, or if it’s needed to protect other people or Keep Above’s security. Unless the law or the urgency of the situation prevents it, we’ll tell you first, explain why, and give you a reasonable chance to put things right. We won’t close your account because you complained, left a review or disputed a charge.

11.3If we close your account for a reason that isn’t your breach of these terms, we’ll give you at least 30 days’ notice where we reasonably can, send you a copy of your data if you ask for it, and make sure you are refunded for any paid Premium time you lose, through the store where it allows this or directly.

11.4If we ever decide to stop offering Keep Above altogether, we’ll give you at least 30 days’ notice in the app or by email, and 11.3 applies to everyone.

11.5Sections 7.2 (for what stays in other people’s budgets), 7.4, 9.2, 13, 15, 16 and 17 keep applying after your account ends.

12. Availability and changes to Keep Above

12.1We work to keep Keep Above running and your data safe, but we can’t promise that it will always be available or free of errors. Much of the app works offline and catches up when you’re back online. Signing up, signing in, deleting your account, sharing, and buying or restoring Premium need a connection.

12.2We keep improving Keep Above, so features change over time, and we’ll tell you in the app before a change takes something away from Premium. If a change materially reduces what Premium gives you during a period you’ve already paid for, you can cancel, and we’ll make sure you’re refunded for the rest of that period.

12.3We don’t keep separate backups of your budgets, so anything deleted — by you, by someone you share a budget with, or when an account is deleted — can’t be restored. Keep Above isn’t a record-keeping system for tax, accounting or legal purposes; keep your own copies of anything you need for those.

12.4Reminders are notifications on your phone. They depend on your phone and its settings, and can arrive late or not at all. On a shared event plan, a reminder someone sets for everyone shows on every phone the plan is shared with.

13. Your consumer rights and our responsibility

13.1If you are a consumer, you have rights under the laws of your country that can’t be excluded — for example under the Consumer Guarantees Act 1993 and the Fair Trading Act 1986 in New Zealand, the Australian Consumer Law, and the Consumer Rights Act 2015 in the United Kingdom. Nothing in these terms excludes, restricts or changes those rights. If anything in these terms conflicts with them, those rights win.

13.2Apart from rights that can’t be excluded, we don’t promise that Keep Above will suit every need you have, or that any projection will match what actually happens — every figure depends on what you entered (section 2).

13.3If we break these terms or fail to use reasonable care and skill, we are responsible for loss or damage you suffer that was a foreseeable result. Loss is foreseeable if it was obvious it would happen, or if you and we both knew it might happen when you started using Keep Above.

13.4We are not responsible for:

• loss that wasn’t foreseeable;
• loss caused by information you or someone you share a budget with entered being incomplete or wrong, or by changes and events Keep Above can’t know about, where we didn’t break these terms or fail to use reasonable care and skill;
• loss of business, profit, revenue or business opportunity, because Keep Above is made for personal use.

13.5Nothing in these terms limits our liability for death or personal injury caused by our negligence, for fraud, or for anything else the law doesn’t allow us to limit.

13.6If you use Keep Above in trade (for a business), you and we agree that the Consumer Guarantees Act 1993 doesn’t apply, as section 43(2) of that Act permits, and that, apart from 13.5, our total liability to you for all claims connected with Keep Above is limited to the greater of the amount you paid for Keep Above in the 12 months before the event the claim is about, and NZ$100.

14. Changes to these terms

14.1We only change these terms for a reason: because Keep Above’s features or plans change, because the law or a regulator’s guidance changes, to protect security, or to correct or clarify them. Changes apply from their effective date and never to anything that happened before it.

14.2If a change materially affects you, we’ll tell you in the app or by email at least 30 days before it takes effect, unless it has to happen sooner for legal or security reasons, and we’ll ask you to accept the new terms in the app. Changes that don’t affect your rights or obligations, such as clearer wording, apply when we publish them.

14.3If you don’t accept a change, you can stop using Keep Above and delete your account, and cancel Premium through the store. If the change takes effect during a period you’ve paid for, we’ll make sure you’re refunded for the rest of that period.

14.4The date and version at the top of this page show which terms apply. Earlier versions are available on request.

15. Law and disputes

15.1If something goes wrong, please tell us first at support@keepabove.com. Most problems can be sorted out quickly.

15.2New Zealand law governs these terms. If you are a consumer and live outside New Zealand, you also keep the protection of the mandatory consumer laws of the country you live in.

15.3The courts of New Zealand, including the Disputes Tribunal, can hear disputes about these terms, but not exclusively: if you are a consumer, you can also bring a claim in the courts or consumer tribunals where you live, and if we ever need to bring a claim against you, we’ll bring it there.

16. Where you live

New Zealand

The Consumer Guarantees Act 1993 and the Fair Trading Act 1986 apply to Keep Above. You can take a claim to the Disputes Tribunal for amounts up to its limit (currently $60,000), and nothing in these terms stops you doing so.

Australia

Our services come with guarantees that cannot be excluded under the Australian Consumer Law. For major failures with the service, you are entitled to cancel your service contract with us, and to a refund for the unused portion or to compensation for its reduced value. You are also entitled to be compensated for any other reasonably foreseeable loss or damage. If the failure does not amount to a major failure, you are entitled to have problems with the service rectified in a reasonable time and, if this is not done, to cancel your contract and obtain a refund for the unused portion of the contract.

United Kingdom

You have legal rights under the Consumer Rights Act 2015, including to have Keep Above provided with reasonable care and skill and as described. Nothing in these terms affects those rights; Citizens Advice explains them. You can cancel your first Premium subscription within 14 days of buying it, through Apple or Google or by telling us. You can bring a claim in the courts of the part of the UK where you live.

European Union and European Economic Area

You keep the protection of the mandatory consumer laws of the country you live in, including your rights if Keep Above doesn’t work as described. You can withdraw from your first Premium subscription within 14 days of buying it, through Apple or Google or by telling us. You can bring a claim in the courts of the country where you live.

United States

Before you subscribe, the app shows Premium’s price, how often you’ll be charged, and that it renews until you cancel. You can cancel at any time in your App Store or Google Play settings (section 5.4).

Apart from the promises in these terms, Keep Above is provided “as is”, and we disclaim the implied warranties of merchantability and fitness for a particular purpose where your state’s law allows us to. Some states, including Maryland, Maine, Vermont and Kansas, and the District of Columbia, don’t allow this disclaimer.

Our total liability to you for all claims connected with Keep Above is limited to the greater of the amount you paid for Keep Above in the 12 months before the event the claim is about, and US$100. This limit doesn’t apply to liability for fraud, wilful misconduct or gross negligence, or for death or personal injury.

California residents: under California Civil Code section 1789.3, you can contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by telephone on (800) 952-5210.

17. General

17.1These terms, together with the terms of any offer shown when you subscribe, are the whole agreement between you and us about Keep Above. Our Privacy Policy explains how we handle personal information.

17.2We may transfer this agreement to another organisation that takes over Keep Above. We’ll tell you if that happens, and it won’t reduce your rights. You can’t transfer your rights under these terms to anyone else.

17.3If a court decides part of these terms can’t be enforced, the rest still applies.

17.4If we don’t enforce something straight away, we can still enforce it later.

17.5Apart from Apple under section 10.8, no one else has rights under these terms.

17.6We are not responsible for delays or failures caused by events outside our reasonable control. If one happens, we’ll tell you and do what we reasonably can to limit its effect.

18. Contact us

Questions, complaints or claims about Keep Above go to:

Manandai Ltd
Suite 1179, Unit A, Level G, 26 Hobson Street
Auckland City 1010, New Zealand
support@keepabove.com