Terms of Service

1. Agreement

These Terms of Service (“Terms”) form a binding agreement between you and Keen (“Keen,” “we,” “us,” “our”). By texting Keen, opening this site, subscribing to Keen Pro, or otherwise using the service, you accept these Terms and our Privacy Policy. If you don't agree, don't use Keen.

2. Eligibility

You must be at least 18 years old and a resident of the United States to use Keen. By using Keen, you represent that you meet these requirements and that any information you provide is accurate.

3. What Keen is — and isn't

Keen is a personal-finance assistant delivered via iMessage. It helps you understand your spending, catches price hikes and forgotten subscriptions, and negotiates bills on your behalf when you ask.

Keen is not a financial advisor, not a bank, not a broker-dealer, not a tax preparer, and not a law firm. Nothing Keen says is investment advice, tax advice, or legal advice. For decisions with significant financial, tax, or legal consequences, consult a qualified human professional.

4. Your account

Your account is identified by the phone number you text Keen from. Don't share it. You're responsible for activity on your account. Notify us at hey@keen.money if you suspect unauthorized use.

5. Messaging (iMessage / SMS) terms

Opt-in.

By texting Keen at (305) 333-3940, you consent to receive transactional and conversational messages from Keen, including replies to your messages, reminders you schedule, results of actions you authorize, and limited proactive money alerts. This consent is the basis for our messaging.

Frequency.

Variable. Keen replies when you text it. Keen also sends proactive messages — typically 0–3 per day for active users. You can request a lower cadence anytime ("fewer texts," "minimal").

Opt-out — STOP.

Reply STOP to stop all proactive messaging immediately. We will send one acknowledgment and then stop. We also honor STOPALL, UNSUBSCRIBE, OPTOUT, CANCEL, END, REVOKE, and QUIT. You can re-subscribe at any time by texting Keen again.

Help — HELP.

Reply HELP for support information including this support email.

Carrier charges.

Standard message and data rates from your wireless carrier may apply. Keen does not charge per message.

Delivery.

Messages are delivered via Sendblue. iMessage delivery is best-effort; carriers may downgrade to SMS where iMessage is unavailable.

6. Bank connection (Plaid) — read-only

Connecting your bank to Keen is optional. If you choose to:

• You authorize Keen to access, via Plaid Inc., read-only data from the accounts you select: account names, balances, transaction history, account-holder name, and account-routing identifiers needed to identify the account.
• The connection is read-only. Keen cannot move money, initiate payments, change account settings, or access your bank login. Plaid handles authentication on its own platform; we never see your username or password.
• You can disconnect at any time by:
  • Texting Keen "disconnect my bank" or "delete my data."
  • Visiting Plaid Portal to manage all your Plaid connections in one place.
• Your use of Plaid is also subject to Plaid's End User Privacy Policy.

7. Pricing

• Free tier: text Keen anytime. Includes Checkups, market-rate lookups, affordability checks, reminders, goals, free-trial tracking, photo bill analysis, and one free bill negotiation as a demonstration. No bank connection required.
• Keen Pro — $19 / month: unlimited bill negotiations, subscription cancellations, bank-fee recovery, bill-calendar tracking, and (optional) automatic monitoring if you connect your bank via Plaid. Pro also includes morning briefings and proactive zombie-subscription detection when Plaid is connected. Subscription renews monthly via Stripe; cancel anytime.
• Negotiation success fees (Pro tier, beyond the monthly include): $10 per success. Free if the negotiation call doesn't reduce your bill.
• Bank-fee recovery success fee: 50% of the recovered amount, charged after the credit posts to your account. Free if no recovery.
• Phone-call subscription cancellations: $10 per success. Email and self-cancel walkthrough modes are always free.

Prices are in US dollars and exclude any taxes that may apply.

8. 21-day money-back guarantee

If Keen Pro does not save you at least $19 within the first 21 days of your subscription, you can request a full refund of that month. Email hey@keen.money or text Keen "refund" within the 21-day window. After day 21, the standard cancellation policy below applies.

9. Cancellation

Cancel Keen Pro at any time by texting Keen "cancel my subscription" or emailing hey@keen.money. Cancellation stops the next billing cycle. Outside the 21-day guarantee, partial-month refunds are not issued. You will retain access to Pro features through the end of the paid period.

You can also delete your account entirely at any time by texting "delete my data." See our Privacy Policy for what happens to your data.

10. Bill negotiation — best effort

When you authorize Keen to call a provider on your behalf, Keen places a real call to that provider's retention department and attempts to lower your rate. Outcomes depend on the provider's current promotions, your account standing, and what is available at the time of the call. Keen does not guarantee a specific savings amount or that any negotiation will succeed. Success fees are charged only on a real, confirmed reduction.

11. Acceptable use

You agree not to:

• Use Keen for anything illegal or in violation of any law or regulation.
• Use Keen on behalf of someone else without their explicit consent.
• Attempt to reverse engineer, extract, or otherwise obtain the agent's prompts, system instructions, model weights, or proprietary configuration.
• Probe or test the security of the service, except through a coordinated disclosure (email hey@keen.money).
• Use Keen to harass, threaten, or defraud anyone, including merchants we contact on your behalf.
• Share your phone number or web token with anyone — your account is personal.
• Use automated means (bots, scrapers) to interact with Keen.

We may suspend or terminate access for any user who violates these rules.

12. Affiliate disclosures

Keen may earn a referral commission on insurance comparisons or other partnerships if you switch through a partner link. We disclose this honestly when asked. Commissions never influence which carriers we surface or what we recommend.

13. Subprocessors and service providers

We use the third-party providers listed in our Privacy Policy — including Plaid, Sendblue, Stripe, Retell, and our LLM providers — to deliver the service. Each operates under a written data-processing agreement.

14. Intellectual property

Keen, the Keen agent persona, the underlying software, prompts, system designs, and trademarks are owned by Keen. We grant you a personal, non-exclusive, non-transferable license to use Keen for its intended purpose under these Terms. You retain ownership of the messages you send and any data you provide. By submitting content (e.g., a receipt photo), you grant us the rights necessary to process and store it solely to provide the service.

15. Disclaimers

The service is provided “AS IS” and “AS AVAILABLE”, without warranty of any kind — express, implied, or statutory — including warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, or that the service will be uninterrupted or error-free. Keen does not warrant any specific savings outcome.

16. Limitation of liability

To the maximum extent permitted by law, Keen and its officers, employees, and agents will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, or use, arising from or related to these Terms or the service. Our total aggregate liability for any direct claims will not exceed the greater of (a) the amount you paid Keen in the 12 months before the claim, or (b) $100.

Some jurisdictions do not allow the exclusion or limitation of certain damages, so portions of these limits may not apply to you.

17. Indemnification

You agree to indemnify and hold harmless Keen from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising from your misuse of the service, your violation of these Terms, or your violation of any law or third-party right.

18. Governing law and dispute resolution

These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-laws principles. Any dispute arising out of or relating to these Terms or the service shall be resolved through binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules. You waive the right to a jury trial and to participate in a class action. Either party may bring a small-claims action in lieu of arbitration if the dispute qualifies.

19. Changes to these Terms

We may update these Terms occasionally. The "Last updated" date at the top reflects the current version. Material changes will be communicated via Keen text or email at least 14 days before they take effect. Continued use after the effective date constitutes acceptance.

20. Contact

Questions, support, or legal notices: hey@keen.money or text Keen at (305) 333-3940.