kerlo

Terms of Service

Version 1.0 — last updated 26 September 2026

1. Scope

These terms govern your use of the Kerlo app, published by Maison MV LLC, a limited liability company organized under the laws of the State of Wyoming (United States), registered under number 2026-001942978, with its address at 30 N Gould St, Ste R, Sheridan, WY 82801, United States ("we"). By creating an account you accept them.

2. What Kerlo does, and what it does not

Kerlo reads the health insurance policy you give it, extracts your benefits while citing the page each value came from, lets you estimate what a treatment might cost you, and helps you track reimbursements.

Kerlo is not an insurer, a broker or an insurance intermediary. We sell no policy, compare no insurers and recommend none. We provide neither medical advice nor personalised financial advice.

Automated reading can be wrong or miss a clause. That is why nothing becomes active until you confirm each value, and why every value points back to its page in your document. Checking is your responsibility.

3. Your account

You must be an adult and provide accurate information. You are responsible for access to your account and for the data you enter, including data about household members, for which you confirm you are entitled to act.

You may delete your account at any time from the app.

4. Subscription, trial and payment

Kerlo has no permanent free tier. Full access requires a subscription.

• Trial. Seven days at no charge, if your app store account is eligible. Eligibility is determined by Apple or Google, not by us.
• Plans. Kerlo, for one person, and Kerlo Family, which gives each household member their own section. Current prices are shown in the app, in your currency, before you commit.
• Billing. Payment is taken by the App Store or Google Play. We never see your payment details.
• Renewal. The subscription renews automatically at the end of each period unless cancelled beforehand.
• Cancellation. Cancel in your Apple or Google account settings. It takes effect at the end of the current period.
• Refunds. Refund requests are governed by the terms of the app store that took the payment.
• Price changes. Any change is announced before it applies to you, and you may cancel before then.

5. Right of withdrawal

If you are a consumer, you have fourteen days from subscribing to withdraw, without giving any reason (French Consumer Code, Art. L221-18). By starting your trial or subscription you ask for the service to start immediately: if you withdraw, you pay only for the service provided until then (Art. L221-25).

To withdraw, ask the app store that took the payment (Apple or Google) for a refund, or send us a clear statement at support@kerlo.app, for example using the form below. We answer within fourteen days.

Withdrawal form. To Maison MV LLC, support@kerlo.app: I hereby give notice that I withdraw from my contract for the Kerlo subscription below. Subscribed on: … Name: … Account email: … Date: …

6. What happens if your subscription ends

Your data is never deleted because you stopped paying. You keep read access to your coverage, your care and your documents, as well as export and account deletion. Paid features, such as reading a new policy or running a new estimate, stop being available.

Your care stays on your phone. The treatments, reimbursements, receipts and estimates you save are kept only on your device, to protect your health data: we can neither see nor restore them. Rely on your phone's backup and on the export, available at any time.

7. Acceptable use

You agree to upload only documents you hold or are the addressee of, not to attempt to bypass the technical limits of the service, not to upload unlawful content, and not to use the service through mass automation.

8. Availability and liability

We do our best to keep the service running, without guaranteeing uninterrupted availability. The service may be suspended for maintenance or changes.

An estimate does not bind your insurer: a gap between an estimate and its decision is not, in itself, a failure on our part. We remain liable for failures to meet our obligations as the law provides. If you are a consumer, nothing in these terms limits the rights the law of your country gives you.

Legal guarantee of conformity. If you are a consumer, you benefit from the legal guarantee of conformity for digital content and services for as long as your subscription runs (French Consumer Code, Art. L224-25-12 onwards, and the equivalent rules of your country). If the service does not conform, you are entitled to have it brought into conformity or, failing that, to a price reduction or to end the contract. Write to support@kerlo.app.

9. Intellectual property

The app, its brand and its content belong to us. Your documents and your data remain yours; you grant us only the right to process them in order to provide the service described here.

10. Changes to these terms

We may update these terms to follow changes in the service or the law. Material changes are announced in the app at least thirty days before they take effect. If you do not accept them, you can cancel your subscription and delete your account before that date at no cost; the previous version keeps applying until the end of the paid period.

11. Governing law and disputes

These terms are governed by the laws of the State of Wyoming. If you are a consumer, this choice does not deprive you of the protection of the mandatory rules of the country where you live, and you may bring proceedings in the courts of that country. If something goes wrong, please write to us first at support@kerlo.app.

We commit to replying within 30 days and to looking for an amicable solution with you.

Payment and refund questions are handled by Apple or Google, who collect the subscription: send any refund request directly to the app store where you subscribed.

If no amicable solution is found and you are a consumer, you may bring proceedings in the courts of the country where you live. In all other cases, the courts of the State of Wyoming have jurisdiction.