Terms of Service

1. Acceptance of Terms

By downloading, installing, or using the Expenvisor mobile application ("App") or accessing our website, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our service.

2. Account Terms

2.1 Age Requirement

You must be at least 18 years old to use our service.

2.2 Accurate Information

You must provide accurate and complete information when creating your account.

2.3 Account Security

You are responsible for maintaining the security of your account and password.

2.4 One Account

You may only create one account per person.

3. Subscription Terms

3.1 Billing

Subscriptions are billed monthly or annually in advance.

3.2 Auto-renewal

Subscriptions automatically renew unless cancelled before the renewal date.

3.3 Cancellation

You may cancel your subscription at any time through your account settings or the app store.

3.4 Refunds

Refunds are handled according to Apple and Google's refund policies. We do not provide direct refunds.

3.5 Price Changes

We will notify you 30 days before any price changes to your subscription.

4. Acceptable Use Policy

4.1 Prohibited Activities

• Using the service for illegal activities
• Attempting to hack or reverse engineer the app
• Abusing AI features or creating spam
• Sharing your account with others
• Violating others' intellectual property rights
• Using automated tools to access the service

4.2 Content Guidelines

You are responsible for all content you input into the app, including transaction descriptions and financial data.

5. AI Disclaimer (Important)

The AI features in our app are designed to provide helpful insights and suggestions based on your spending patterns. However, these recommendations should not be considered as professional financial advice. Always consult with qualified financial professionals for important financial decisions.

6. Intellectual Property

6.1 Our Content

Expenvisor owns all rights to the app, website, and all content we create.

6.2 Your Data

You retain ownership of your financial data. We only use it to provide our service.

6.3 License

We grant you a limited, non-transferable license to use our service.

7. Limitation of Liability

8. Indemnification

You agree to indemnify and hold Expenvisor harmless from any claims, damages, or expenses arising from your use of the service or violation of these Terms.

9. Termination

9.1 By You

You may stop using the service and delete your account at any time.

9.2 By Us

We may terminate your access if you violate these Terms or for other reasons at our discretion.

9.3 Effect of Termination

Upon termination, your right to use the service ceases immediately. We may delete your data after a reasonable period.

10. Governing Law

These Terms are governed by the laws of [Your Jurisdiction]. Any disputes will be resolved in the courts of [Your Jurisdiction].

11. Changes to Terms

We may update these Terms from time to time. We will notify you of significant changes via email or through the app. Continued use of the service after changes constitutes acceptance of the new Terms.

12. Contact Information

If you have any questions about these Terms, please contact us at: