Terms of Service

Agreement to Terms

By accessing and using Xpense Tracker ("the Service"), you accept and agree to be bound by the terms and provisions of this agreement. If you do not agree to these terms, please do not use the Service.

Use of Service

Xpense Tracker provides personal finance tracking tools including:

• Income and expense tracking
• Budget management and alerts
• Recurring transaction automation
• Financial reports and analytics
• Calendar-based transaction views

Account Registration

To use the Service, you must:

• Provide accurate and complete information during registration
• Maintain the security of your account credentials
• Notify us immediately of any unauthorized use of your account
• Be at least 13 years old (or legal age in your jurisdiction)
• Use Google OAuth for authentication

You are responsible for all activities that occur under your account.

Prohibited Activities

You agree not to:

• Use the Service for any illegal purpose or in violation of any laws
• Attempt to gain unauthorized access to the Service or other users' accounts
• Upload malicious code, viruses, or any harmful software
• Interfere with or disrupt the Service or servers
• Use the Service to transmit spam or unsolicited messages
• Impersonate another person or entity
• Scrape, crawl, or use automated tools to access the Service
• Reverse engineer or attempt to extract source code

Your Data

You retain all rights to the financial data you enter into the Service. By using the Service, you grant us:

• The right to store and process your data to provide the Service
• The right to create anonymous, aggregated statistics for service improvement

We will never sell your personal financial data to third parties. See our Privacy Policy for more details.

Data Export and Deletion

You can export your data at any time using the export features in the Reports section. You may also request deletion of your account and all associated data by contacting support. Data deletion is permanent and cannot be undone.

Service Availability

We strive to provide reliable service, but we do not guarantee that:

• The Service will be uninterrupted, timely, secure, or error-free
• The results obtained from the Service will be accurate or reliable
• Any errors in the Service will be corrected

We may modify, suspend, or discontinue the Service at any time with or without notice.

Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

Xpense Tracker is a personal finance tracking tool and should not be considered professional financial advice. We are not responsible for any financial decisions you make based on data in the Service. Always consult with qualified financial professionals for important financial decisions.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, XPENSE TRACKER SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES.

Pricing and Payment

Xpense Tracker is currently provided free of charge. We reserve the right to introduce paid features or subscription plans in the future. If we do, we will provide advance notice and you may choose to continue using the Service under the new terms or discontinue use.

Termination

We may terminate or suspend your account and access to the Service immediately, without prior notice, for:

• Violation of these Terms of Service
• Fraudulent, abusive, or illegal activity
• Extended periods of inactivity
• At our sole discretion for any reason

Upon termination, your right to use the Service will immediately cease. We will make reasonable efforts to allow you to export your data before account deletion.

Intellectual Property

The Service, including its original content, features, and functionality, is owned by Xpense Tracker and is protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

Changes to Terms

We reserve the right to modify these terms at any time. We will notify users of any material changes by posting the new terms on this page and updating the "Last Updated" date. Your continued use of the Service after changes constitutes acceptance of the new terms.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which we operate, without regard to its conflict of law provisions.

Contact Information

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

Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these Terms will otherwise remain in full force and effect.