Terms of Service

1. Acceptance of Terms

These Terms of Service (“Terms”) constitute a legally binding agreement between you (“User,” “you,” or “your”) and KeepMore.Money (“we,” “us,” or “our”) governing your use of keepmore.money and all associated Services.

By accessing or using the Site or Services — including creating an account, using the tax calculator, or purchasing a Premium subscription — you confirm that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference.

If you do not agree to these Terms, you must immediately discontinue use of the Services.

You must be at least 18 years old to use this Service. By accepting these Terms, you represent that you meet this requirement.

2. Description of Services

KeepMore.Money provides a global tax comparison tool that generates estimated take-home pay calculations across multiple countries based on inputs you provide. The Services include:

• Tax calculator: estimated gross-to-net calculations for 57+ countries using 2026 tax year data
• Country comparisons, bracket breakdowns, social contribution estimates, and special regime modeling
• Shareable results links and image exports
• Premium features (subscription required): saved comparisons, residency trip tracker, Schengen day counter, residency risk scores and threshold alerts, safety scores, cost-of-living affordability data, AI-powered summaries and suggestions, and special tax regime support

We reserve the right to modify, suspend, or discontinue any feature or the Service as a whole at any time, with or without notice, though we will endeavour to notify Premium subscribers in advance of significant changes.

3. No Tax, Legal, or Financial Advice

The calculations, estimates, risk scores, and all content provided by KeepMore.Money are for informational and planning purposes only. They do not constitute and must not be relied upon as:

• Tax advice or guidance from a certified tax professional
• Legal advice from a licensed attorney
• Accounting, financial planning, or investment advice
• Immigration or visa advice

You are solely responsible for all tax filings, payments, residency decisions, visa compliance, and any consequences arising from your use of or reliance on this Service. Always consult a qualified tax professional, lawyer, or accountant before making financial or residency decisions.

4. Account Registration and Security

To access certain features you must create an account. You agree to:

• Provide accurate, current, and complete information at registration and keep it up to date
• Maintain the confidentiality of your credentials and be responsible for all activity under your account
• Notify us immediately at support@keepmore.money if you suspect unauthorized access or a security breach
• Not share your account with others or create accounts on behalf of others without authorization
• Not create multiple accounts to circumvent free-tier limits or other restrictions

Accounts are authenticated via Supabase Auth. We do not store your password. You are responsible for maintaining access to your email address used for sign-in.

We reserve the right to suspend or terminate accounts that violate these Terms or that we reasonably believe have been compromised.

5. Subscriptions, Billing, and Cancellation

6. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose or in violation of any applicable law or regulation
• Attempt to reverse-engineer, scrape, crawl, or extract data from the Service in bulk without written permission
• Circumvent, disable, or interfere with security features, rate limits, or access controls
• Use automated tools, bots, or scripts to access the Service at rates that degrade performance for other users
• Impersonate any person or entity, or misrepresent your affiliation with a person or entity
• Attempt to gain unauthorized access to any portion of the Service or its underlying infrastructure
• Redistribute, resell, sublicense, or commercially exploit our tax data, calculations, or content without written permission
• Upload or transmit malware, viruses, or any code designed to disrupt or harm systems
• Use the Service to generate advice for third parties in a commercial or professional capacity without appropriate professional licenses in your jurisdiction

Violation of these terms may result in immediate account suspension or termination and, where applicable, legal action.

7. AI Features and Third-Party AI Processing

Some Premium features use OpenAI’s API to generate personalized summaries and suggestions. By using AI-powered features, you acknowledge:

• Certain personal data (including annual income, citizenship, and travel history you have entered) is transmitted to OpenAI for processing. See our Privacy Policy — Section 4 for full details
• AI-generated outputs are probabilistic and may be incorrect, incomplete, or outdated. They are not professional advice of any kind
• AI features are subject to rate limits (typically 5–10 requests per minute per account) to ensure fair access
• We may modify, restrict, or discontinue AI features at any time, including if our agreement with AI providers changes

Your use of AI features is also governed by OpenAI’s usage policies. Do not input information into AI features that you are not authorized to share.

8. Intellectual Property

All content on the Site — including tax data, calculation logic, software code, design, graphics, copy, and compilation — is owned by or licensed to KeepMore.Money and protected by copyright, trade secret, and other intellectual property laws.

We grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the Service for your personal, non-commercial purposes in accordance with these Terms. This licence does not permit you to:

• Copy, reproduce, or republish our tax data or calculation outputs for commercial purposes
• Create derivative works based on our Service or content without written permission
• Remove or alter copyright, trademark, or proprietary notices

Your content: You retain ownership of data you input into the Service (e.g., income figures, trip details, notes). By providing this data, you grant us a limited licence to process it as necessary to deliver the Service. We do not claim ownership of your input data.

Feedback: If you submit suggestions or feedback about the Service, you grant us an irrevocable, royalty-free licence to use that feedback for any purpose without compensation to you.

9. Third-Party Services

The Service integrates with third-party providers including Stripe (payments), Supabase (authentication and database), Brevo (email), OpenAI (AI features), and Plausible Analytics (usage analytics). Your use of the Service is also subject to those providers’ terms of service and privacy policies. We are not responsible for the conduct, content, or privacy practices of third-party services.

Links to external websites are provided for convenience only. We do not endorse and are not responsible for the content, accuracy, or practices of linked sites.

10. Disclaimer of Warranties

Read carefully — this section limits our liability

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT
• THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE FROM HARMFUL COMPONENTS
• THAT TAX CALCULATIONS, ESTIMATES, RISK SCORES, OR AI OUTPUTS WILL BE ACCURATE, COMPLETE, CURRENT, OR SUITABLE FOR YOUR SPECIFIC CIRCUMSTANCES
• THAT THE SERVICE WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS

Some jurisdictions do not allow the exclusion of implied warranties. In those jurisdictions, the above exclusions apply to the maximum extent permitted by law.

11. Limitation of Liability

Read carefully — this section limits our liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL KEEPMORE.MONEY, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR:

• ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES
• LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS OPPORTUNITIES
• DAMAGES ARISING FROM YOUR RELIANCE ON TAX CALCULATIONS, RESIDENCY RISK SCORES, AI OUTPUTS, OR ANY OTHER CONTENT PROVIDED BY THE SERVICE
• TAX PENALTIES, INTEREST, FINES, OR LEGAL COSTS INCURRED AS A RESULT OF DECISIONS MADE BASED ON OUR SERVICE
• UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR DATA
• ANY THIRD-PARTY CONDUCT OR CONTENT

IN ALL CASES, OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ANY CLAIM ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE TOTAL FEES YOU PAID TO US IN THE 12 MONTHS PRECEDING THE CLAIM, OR (B) $50 USD.

The limitations in this section apply regardless of the theory of liability (contract, tort, negligence, strict liability, or otherwise), even if we have been advised of the possibility of such damages.

Some jurisdictions (including EU member states under certain consumer protection laws) do not allow limitations on certain types of damages. In those jurisdictions, the above limitations apply to the fullest extent permitted by law.

12. Indemnification

You agree to defend, indemnify, and hold harmless KeepMore.Money and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or related to:

• Your use of or reliance on the Service
• Your violation of these Terms
• Your violation of any applicable law or regulation
• Your infringement of any third party’s intellectual property or other rights
• Any data or content you submit through the Service

13. Termination and Suspension

14. Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of the jurisdiction in which KeepMore.Money is incorporated, without regard to its conflict-of-law provisions.

15. Data Accuracy and Tax Data Sources

Our tax data is sourced from publicly available information including OECD databases, national tax authority publications, and verified third-party compilations. We update data annually and when significant legislative changes occur. However:

• Tax laws change frequently and our data may lag behind recent changes
• Data coverage varies by country; some jurisdictions are more comprehensively modeled than others
• Special regimes, exemptions, and treaty benefits may not be fully modeled
• We do not warrant that our data is free from errors, and we are not liable for inaccuracies

If you identify a data error, please report it via our contact page and we will investigate promptly.

16. Availability and Service Levels

We aim to provide a reliable Service but do not guarantee continuous, uninterrupted, or error-free availability. We reserve the right to:

• Perform scheduled or emergency maintenance that may temporarily interrupt the Service
• Modify or discontinue features, including Premium features, with reasonable notice to affected subscribers
• Implement fair use limits (including API rate limiting) to maintain Service quality for all users

We do not offer a guaranteed uptime Service Level Agreement (SLA). In the event of extended downtime affecting Premium subscribers, we will evaluate remedies (such as billing credits) at our discretion.

17. Changes to These Terms

We may update these Terms to reflect changes in our Services, legal requirements, or business practices. For material changes — such as changes to payment terms, liability provisions, or data handling — we will:

• Provide at least 30 days’ notice by email (for account holders) and a prominent notice on the Site
• Update the “Effective Date” at the top of this page

Your continued use of the Service after the effective date of any change constitutes your acceptance of the updated Terms. If you do not agree, you must stop using the Service before the effective date. Minor clarifications that do not affect your rights may be made without prior notice.

18. General Provisions

19. Contact

For questions about these Terms:

• Legal inquiries: legal@keepmore.money
• General support: support@keepmore.money
• Contact form: keepmore.money/contact

These Terms were last reviewed on March 12, 2026. We recommend consulting qualified legal counsel in your jurisdiction to review these Terms for compliance with any local requirements specific to your circumstances.