Terms of Use

Last updated: 3 October 2026

1. Agreeing to these terms

These terms are an agreement between you and Kwarfo Michael Acheampong, an individual in Ghana who runs Kyeremi ("Kyeremi", "we", "us"). By creating an account or using the Kyeremi app or website, you agree to them. If you don't agree, please don't use Kyeremi.

2. What Kyeremi is, and isn't

• Kyeremi helps you keep track of your MoMo, bank and cash, and estimates how much you can spend.
• Kyeremi is not a bank, mobile money provider, lender or payment service. It cannot send, receive, hold or save money, and it does not connect to your accounts.
• Kyeremi does not give financial, investment, tax or legal advice. Safe-to-Spend, insights and tips are general guidance based on the information you provide.

3. Who can use Kyeremi

You must be 18 or older and able to agree to these terms. You confirm this when you create an account. Because Kyeremi never holds money, we don't ask for ID to check age; if we learn that an account belongs to someone under 18, we will delete it. You may use one account for yourself; don't create an account for someone else without their permission.

4. Your account

• Keep access to your account secure, including the phone or Google account you sign in with. We recommend turning on App lock.
• Tell us straight away if you think someone else has used your account.
• The details you give us, such as your name and phone number, must be yours and accurate.

5. Accuracy: what Kyeremi does, and what you do

Safe-to-Spend is calculated exactly from what you enter: your balances, bills, payday, goals and the expenses you log. When that information is accurate and up to date, the figure is accurate. Kyeremi is built not to overstate it:

• Income is only counted once it has arrived and is in a balance you entered. Money you're expecting is never counted in advance.
• Bills due before payday, money set aside for goals and your safety buffer are taken out before you see the figure.

Kyeremi can't see your real accounts, so it can't know about anything you don't enter. Please:

• enter balances as they really are, checked in your MoMo menu (MTN MoMo, Telecel Cash or AT Money) or banking app, and don't round them up;
• log spending, especially cash, the same day;
• correct a balance when it no longer matches your real one.

Check your real balances before important spending decisions. How we handle your information is explained in our Privacy Policy.

6. Using Kyeremi fairly

Kyeremi is for keeping track of your own money. To keep it safe and working for everyone, you agree not to:

• access, or try to access, anyone else's account or data, or let others use your account;
• use Kyeremi to record or plan money for fraud, scams, money laundering or anything else unlawful;
• present Kyeremi's figures or screenshots as official statements, proof of income or proof of funds. They are your own records, not a bank's;
• pretend to be Kyeremi or its staff, or use Kyeremi's name to ask people for PINs, passwords or money. Kyeremi will never ask for these;
• copy, modify, resell or reverse-engineer the app, or build a competing product from it;
• interfere with, overload or test the security of our systems without our written permission (if you find a security problem, please tell us at the contact below);
• sign up others to the waitlist without their permission, or use automated tools to create accounts or submit forms.

If you break these rules, we may suspend or close your account (see section 9).

7. Changes and availability

We're improving Kyeremi all the time, so features may change, be added or be removed. We aim to keep Kyeremi available but can't promise it will always be free of errors or interruptions. Features marked "Coming soon" aren't available yet.

8. Our responsibility to you

Kyeremi is provided "as is". It's a planning tool: it works from the information you enter, and decisions about your money are yours. To the extent the law allows:

• we are not responsible for losses that come from decisions you make about your money, from inaccurate information entered into the app, or from interruptions to the service;
• we are not responsible for indirect or consequential losses, such as lost profits or opportunities; and
• our total liability to you for all claims relating to Kyeremi is limited to GH₵ 1,000.

This limit does not apply where a court of competent jurisdiction finds it unconscionable or unenforceable, or to liability that cannot be limited under Ghanaian law, such as liability for fraud. Nothing in these terms limits rights you have under Ghanaian consumer law that cannot be limited.

9. Ending your use

You can stop using Kyeremi and delete your account at any time from Profile → Settings → Delete account and data (or see Delete my account). We may suspend or close accounts that break these terms; where reasonable, we'll tell you first.

10. Changes to these terms

We may update these terms. We'll change the date above and, for important changes, tell you in the app. Continuing to use Kyeremi after a change means you accept the updated terms.

11. Governing law

These terms are governed by the laws of the Republic of Ghana, and the courts of Ghana will deal with any disputes.

12. Contact

Questions about these terms: our support email.