Terms of Service
Last updated: January 2026
What Kivo provides
Kivo provides recommendations, not financial advice.
Actual rewards depend on card issuer rules, merchant classification, and offers.
No guarantees
We aim for accuracy, but:
- Rewards estimates may differ from issuer statements
- Offers may change without notice
- Merchant classification may vary
Use Kivo as guidance, not a guarantee.
Eligibility
You must:
- Be at least 18 years old
- Use the app in compliance with applicable laws
Limitation of liability
Kivo is not responsible for:
- Missed rewards
- Incorrect merchant classifications
- Issuer policy changes
Termination
You may delete your account at any time.
We may suspend accounts that abuse the service.