The agreement between you and Klaro. Plain rules for the desktop app, your connected accounts, AI features, and how the whole system stays yours. Read together with our Privacy Policy.

THE SHORT VERSION

Klaro reads from your accounts; it never moves money on its own.

AI outputs need a human in the loop — Klaro isn’t financial, tax, legal, or investment advice.

You’re responsible for your device, account, and credentials. We’re responsible for the service running and your data being handled the way the Privacy Policy says.

1. Agreement

These Terms are an agreement between you and Klaro Technologies Limited, doing business as Klaro. By accessing or using Klaro, you agree to these Terms and our Privacy Policy. If you use Klaro on behalf of an organization, you represent that you have authority to bind that organization.

If you do not agree to these Terms, do not use Klaro. Some features may also be subject to additional terms presented in the product or by a third-party provider.

2. The Service

Klaro is a local-first desktop agent system for personal finance and account work. Klaro may help you connect financial accounts, inboxes, documents, and other data sources; ask questions; generate views; create plans; monitor changes; and automate selected routines.

Klaro includes local software, hosted services, authentication, connector edges, AI model integrations, release infrastructure, and support tools. The service may change over time as we improve, replace, or discontinue features.

3. Eligibility and Accounts

You must be able to form a legally binding contract and be at least the age required by your jurisdiction to use online services. You must provide accurate account information and keep it up to date.

You are responsible for maintaining control of your account, authentication methods, devices, and local Klaro installation. Notify us promptly if you believe your account or device has been compromised.

4. Connected Accounts and Permissions

You may choose to connect banks, brokerages, inboxes, documents, and other services. By connecting a service, you authorize Klaro and its providers to access, retrieve, process, store, and display information from that service as needed to provide Klaro.

Unless we separately state otherwise in writing, Klaro’s financial account connections are intended to be read-only. Klaro is not a bank, broker-dealer, investment adviser, credit bureau, payments processor, money transmitter, or tax preparer, and Klaro does not initiate transfers, trades, payments, or other money movement for you.

You represent that you have the right to connect each account and provide the requested permissions. Third-party services may revoke access, change APIs, impose limits, or experience outages that affect Klaro.

5. AI Features and Outputs

Klaro may use AI models and agent tooling to generate answers, views, summaries, categories, plans, automations, and other outputs. AI outputs can be incomplete, delayed, inaccurate, or unsuitable for your circumstances. You are responsible for reviewing outputs before relying on them.

Klaro is not financial, investment, tax, legal, accounting, insurance, or credit advice. Do not rely on Klaro as your sole basis for financial decisions, filings, transactions, or professional judgments. Consult a qualified professional where appropriate.

6. Your Content and Data

You retain your rights in data, prompts, messages, files, and other content you provide or connect to Klaro. You grant Klaro a limited, worldwide, non-exclusive license to host, process, transmit, display, copy, modify, and create technical derivatives of that content solely as needed to operate, secure, support, and improve Klaro.

You are responsible for your content, including ensuring that you have rights to provide it and that it does not violate law, contracts, or third-party rights.

7. Acceptable Use

You must not use Klaro to:

violate law, contracts, intellectual property, or privacy rights;
misrepresent your identity or authorization;
access accounts, data, or systems without permission;
upload malware, scrape excessively, disrupt services, or bypass security controls;
use the service to make unlawful credit, employment, insurance, housing, or eligibility decisions;
reverse engineer the service except where law expressly allows it;
resell, sublicense, or provide Klaro as a managed service without our written permission.

8. Third-Party Services

Klaro depends on third-party services, including authentication providers, banks, financial data aggregators, open banking providers, Google services, cloud infrastructure, model providers, analytics tools, and payment processors. Your use of those services may be governed by their own terms and privacy policies.

We are not responsible for third-party services, data accuracy, provider outages, account restrictions, or changes to third-party terms. We may add, remove, or replace providers at any time.

9. Software, Updates, and Local Runtime

Klaro Desktop may install local components, communicate with localhost services, receive updates, store local configuration, and open browser flows for authentication or connected account setup. You are responsible for installing updates and using a supported operating system.

Subject to these Terms, we grant you a limited, revocable, non-exclusive, non-transferable license to install and use Klaro Desktop for your personal or internal business use.

10. Fees

Klaro may offer free, paid, trial, beta, or usage-based plans. If you buy a paid plan, you agree to pay applicable fees, taxes, and charges described at checkout or in an order form. Paid plans may renew automatically if stated at purchase. We may change pricing or plan features prospectively with reasonable notice where required.

11. Beta and Experimental Features

Some Klaro features may be labeled alpha, beta, preview, experimental, or early access. These features may be unstable, incomplete, less secure, or changed without notice. Use them at your own risk and do not rely on them for critical decisions.

12. Intellectual Property and Feedback

Klaro, including software, interfaces, designs, documentation, trademarks, and service technology, is owned by Klaro or its licensors. Except for the limited rights granted in these Terms, we reserve all rights.

If you provide feedback, suggestions, or ideas, you grant us the right to use them without restriction or compensation.

13. Privacy and Security

Our Privacy Policy explains how we collect, use, and share information. You agree not to submit highly sensitive information unless it is necessary for your use of Klaro and supported by the product, such as connected financial or inbox data.

We use reasonable safeguards, but no service is perfectly secure or uninterrupted. You should maintain your own backups of important data and protect your devices and credentials.

14. Disclaimers

Klaro is provided on an “as is” and “as available” basis. To the maximum extent permitted by law, we disclaim all warranties, whether express, implied, statutory, or otherwise, including warranties of merchantability, fitness for a particular purpose, title, non-infringement, availability, accuracy, and reliability.

We do not guarantee that Klaro will be uninterrupted, error-free, secure, accurate, compatible with every provider, or able to recover every account, transaction, message, file, or data point.

15. Limitation of Liability

To the maximum extent permitted by law, Klaro and its affiliates, officers, employees, contractors, licensors, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost revenue, lost data, business interruption, or financial losses arising from or related to Klaro.

To the maximum extent permitted by law, our total liability for any claim related to Klaro will not exceed the greater of the amount you paid to Klaro for the service in the three months before the event giving rise to the claim or 100 USD.

16. Indemnity

You will defend, indemnify, and hold harmless Klaro and its affiliates from claims, damages, liabilities, costs, and expenses, including reasonable legal fees, arising from your content, your connected accounts, your misuse of Klaro, your violation of these Terms, or your violation of law or third-party rights.

17. Suspension and Termination

You may stop using Klaro at any time. We may suspend or terminate access if we believe you violated these Terms, created risk, failed to pay fees, or used Klaro in a way that could harm users, providers, or the service. After termination, provisions that by their nature should survive will survive, including ownership, disclaimers, limits of liability, indemnity, and dispute terms.

18. Changes

We may update these Terms from time to time. If changes are material, we will take reasonable steps to notify you. Continued use of Klaro after updated Terms become effective means you accept the updated Terms.

19. Governing Law and Disputes

These Terms are governed by the laws of England and Wales, excluding conflict of law rules, unless mandatory consumer protection laws give you additional rights. Courts located in England will have exclusive jurisdiction, except where applicable law requires another forum.

Before filing a claim, you agree to contact us and try to resolve the dispute informally. Nothing in these Terms limits either party’s right to seek urgent injunctive relief or to report concerns to a regulator.

20. Contact

Questions about these Terms can be sent to support@klaro.finance. Questions about privacy can be sent to privacy@klaro.finance.

Terms of Service