Terms of Service

Last updated: 29 September 2026 · Nederlandse versie

1. Who we are

Dibero (the apps for iOS and Android, the website dibero.app and related services, together "the Service") is provided by SmartID Technologies B.V., Leliegracht 32, 1015 DG Amsterdam, the Netherlands, registered with the Dutch Chamber of Commerce (KvK) under number 74371908 ("we", "us"). Contact: hello@smartidtechnologies.com.

These terms form the agreement between you and us. By creating a family account or using the Service you accept these terms. Our Privacy Policy explains how we handle personal data.

2. What Dibero is

  • Dibero is an educational app that helps children learn about money: saving, spending, budgeting and interest, under the supervision of a parent or guardian.
  • All money in Dibero is pretend money. Balances, jars, transactions and interest in the app have no monetary value and cannot be withdrawn, paid out or exchanged for real money, goods or services. We never hold or move real money and we don't connect to any bank.
  • You can use the pretend money to reflect real pocket money that you keep elsewhere. Keeping the app in line with the real money is up to you. Interest in the app is a learning tool, not a financial product.
  • Lessons are general educational content, not financial advice.

3. Who can use Dibero

  • The family account is created and held by a parent or legal guardian who is at least 18 years old (or of legal age in their country): the account holder. Other parents in the family may use a parent profile.
  • Children use Dibero through a child profile that a parent creates. By creating a child profile you confirm that you are the child's parent or legal guardian, or have their permission.
  • You are responsible for how your children use the Service and for deciding whether it is suitable for them.

4. Your account and security

  • Give correct information when you register, and keep it up to date.
  • The family shares one login. Keep your sign-in details and your parent PIN secret; the parent PIN is what keeps children out of the parent area.
  • Only connect devices you or your family control. Only scan a Dibero sign-in QR code shown on your own child's device: scanning it gives that device access to your family account.
  • Let us know straight away if you think someone has accessed your account without permission.

5. Using Dibero fairly

You and your children may not:

  • present pretend money as real money, or try to exchange it for real money;
  • use the Service for anything unlawful, harmful or offensive;
  • try to get into other families' data, or disrupt, overload or reverse-engineer the Service, except where the law allows this;
  • misuse the invite-a-family programme (see section 9).

6. What you enter in the app

Names, jar names, notes and other things you or your children enter remain yours. You give us permission to store and process them only as far as needed to provide the Service to your family. Please don't enter sensitive personal information in free-text fields.

7. Lessons, AI and voice

  • Lesson content is created with the help of AI (Google Gemini) and reviewed by our team. We do our best to keep it correct and age-appropriate, but let us know if you spot a mistake.
  • The voices of the lesson characters are computer-generated.
  • We plan to offer voice help, where a child can talk to a lesson character that is powered by AI. It will only work after a parent has switched it on, and the child is told they are talking to an AI. See the Privacy Policy for how audio is handled.

8. Free and Ultra

  • Dibero has a free version and a paid subscription, Dibero Ultra, with extra features. The app shows what each includes.
  • Ultra is bought through the Apple App Store or Google Play. The price, billing period and any free trial are shown before you confirm the purchase. The store charges you, and its terms also apply.
  • Subscriptions renew automatically at the end of each period unless you cancel at least 24 hours before it ends. You cancel in your App Store or Google Play account settings; the app links there. Cancelling stops the next renewal, and you keep Ultra until the end of the period you have paid for.
  • Deleting your Dibero family account does not cancel your subscription. Cancel it in the store as well.
  • If we change the price, the store will inform you in advance according to its rules, and you can cancel before the new price applies.
  • A purchase gives you access to Ultra features. It never adds real value to the pretend money in the app.

Right of withdrawal (EU and UK consumers)

As a consumer in the EU or UK you have the right to withdraw from a distance purchase within 14 days without giving a reason. Because Ultra is bought and paid for through Apple or Google, you use this right, and request refunds, through the store where you bought it, following that store's procedure. If you ask for Ultra to start immediately and then withdraw, you may be charged a proportionate amount for the period you used, as the law allows. Your statutory rights are never affected. If the store can't help you, contact us.

9. Invite-a-family programme

  • Every family gets a personal invitation code in the app. The programme is open to families with a Dibero account.
  • Invited family: if you create a new family account with a valid code, or enter the code in Settings within 14 days of creating your family, you get 30 days of Dibero Ultra for free. A family can use only one code, and only once.
  • Inviting family: an invited family counts once it still has its account after 3 days and has really used Dibero (a transaction made by a person at least 24 hours after sign-up, or a completed lesson). If an invited family doesn't count within 30 days, it no longer counts.
  • Rewards for counted families: 1 family: +1 month of Ultra; 3 families: +2 months; 5 families: +3 months; 10 families: +6 months; 20 families: Ultra for life. Each step is earned once.
  • If you already pay for Ultra, earned time is saved and starts when your paid subscription ends.
  • "Ultra for life" means Ultra for as long as your family account exists and we offer Ultra. If we ever stop offering Ultra, we will tell you in good time.
  • Rewards are free Ultra time only. They have no cash value and can't be transferred or exchanged.
  • Don't create families just to earn rewards, don't use your own code, and don't share codes through spam or paid advertising. If we reasonably suspect misuse, we can refuse or withdraw rewards and exclude a family from the programme. If you disagree, contact us and a person will review it.
  • We can change or end the programme for the future. Rewards you have already earned are kept.

10. Changes to the Service

We keep improving Dibero, so features can change. If a change significantly reduces what you pay for, we will tell you in advance, and you can cancel. Features marked as "beta" or "preview" may change or be removed.

11. Our rights

The Service, including the software, design, lessons, characters, artwork and the Dibero name, belongs to us or our licensors. You may use it for your family's personal, non-commercial use under these terms. You may not copy, sell or distribute it.

12. Warranty and liability

  • We work hard to make Dibero reliable, but it may sometimes be unavailable or contain errors. Your statutory rights as a consumer, including the legal guarantee that digital services must conform to the contract, always apply.
  • Balances, interest and lessons in Dibero are pretend and for education. We are not liable for decisions about real money that are based on them.
  • Except where the law does not allow us to limit liability, we are not liable for indirect or consequential damage, and our total liability to you is limited to the amount you paid us in the 12 months before the claim, or €100 if that is higher.
  • None of this limits our liability for damage caused by our intent or gross negligence, for death or personal injury, or any other liability that cannot legally be limited.

13. Ending the agreement

  • You can stop at any time by deleting your family account in the app (Settings > Account management). This deletes your family's data as described in the Privacy Policy. Remember to cancel any subscription in the store.
  • We may suspend or close an account if you seriously or repeatedly break these terms, if the law requires us to, or to protect other users. Unless urgent, we will warn you first and give reasons.
  • If we stop offering Dibero, we will tell you at least 30 days in advance and, where the law requires it, refund the unused part of any prepaid subscription.

14. Changes to these terms

We may update these terms, for example when the Service or the law changes. We will tell you about important changes in the app or by email at least 30 days before they take effect. If you don't agree, you can stop using Dibero and delete your account before then.

15. Apple and Google

These terms are between you and us, not Apple or Google. Apple and Google are not responsible for the Service, its content, maintenance or support, or for any claims about it. If you downloaded Dibero from the App Store, Apple and its subsidiaries are third-party beneficiaries of these terms and may enforce them against you. If the app fails to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any) for the app; beyond that, and to the extent the law allows, Apple has no other warranty obligation. You confirm that you are not located in a country subject to a US government embargo and are not on any US list of prohibited or restricted parties.

16. Applicable law and disputes

Dutch law applies to these terms. If you are a consumer living in another country, you keep the protection of the mandatory rules of your country of residence. Please contact us first if you have a complaint; we aim to answer within 14 days. If we can't resolve it, you can go to the competent court in the Netherlands or to the courts of the country where you live.

17. Contact

SmartID Technologies B.V.
Leliegracht 32, 1015 DG Amsterdam, the Netherlands
KvK 74371908
hello@smartidtechnologies.com