Terms of Service

1. Acceptance of Terms

Welcome to Expensia. These Terms of Service ("Terms") govern your use of the Expensia mobile application and related services provided by TechnoDevelopers & Team ("Company," "we," "us," or "our").

By downloading, installing, accessing, or using our app, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our service.

2. Description of Service

Expensia is a personal finance management application that helps users:

• Track daily expenses and income
• Categorize financial transactions
• Set and monitor budgets
• Generate financial reports and analytics
• Export financial data
• Manage personal financial goals

Our service is provided on an "as is" and "as available" basis.

3. User Accounts

3.1 Account Creation

To use certain features of Expensia, you must create an account. You agree to:

• Provide accurate and complete information
• Maintain the security of your account credentials
• Notify us immediately of any unauthorized use
• Be responsible for all activities under your account

3.2 Account Eligibility

You must be at least 13 years old to create an account. Users under 18 must have parental consent to use our service.

3.3 Account Termination

You may delete your account at any time through the app settings. We may suspend or terminate accounts that violate these Terms.

4. Acceptable Use

4.1 Permitted Use

You may use Expensia for personal, non-commercial purposes in accordance with these Terms and applicable laws.

4.2 Prohibited Activities

You agree not to:

• Use the app for any illegal or unauthorized purpose
• Attempt to reverse engineer, decompile, or disassemble the app
• Upload malicious code, viruses, or harmful content
• Interfere with the app's functionality or security features
• Access or attempt to access other users' accounts or data
• Use automated systems to interact with the app
• Violate any applicable laws or regulations
• Infringe on intellectual property rights

5. User Content and Data

5.1 Your Data

You retain ownership of the financial data and content you input into Expensia. By using our service, you grant us a limited license to store, process, and display your data to provide our services.

5.2 Data Accuracy

You are responsible for ensuring the accuracy of the financial information you input. We are not responsible for any financial decisions made based on data in the app.

5.3 Data Backup

While we provide data backup features, you are responsible for maintaining your own backups of important financial information.

6. Intellectual Property

6.1 Our Rights

Expensia and all related intellectual property rights are owned by TechnoDevelopers & Team. This includes:

• App design, functionality, and user interface
• Software code and algorithms
• Trademarks, logos, and branding
• Documentation and content

6.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to use Expensia for personal use in accordance with these Terms.

6.3 Third-Party Content

Our app may include third-party libraries and content. Such content is governed by their respective licenses.

7. Privacy and Security

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

7.1 Data Security

We implement industry-standard security measures to protect your data, but cannot guarantee absolute security. You acknowledge that you use our service at your own risk.

7.2 Data Breach Notification

In the event of a data breach that may affect your personal information, we will notify you as required by applicable laws.

8. Payment and Subscription Terms

8.1 Free Features

Basic features of Expensia are provided free of charge and supported by optional premium features.

8.2 Premium Features

Premium features may be available through in-app purchases or subscriptions. All purchases are subject to the app store's terms and conditions.

8.3 Refund Policy

Refunds for in-app purchases are governed by the respective app store policies (Google Play Store, Apple App Store).

9. Disclaimers and Limitations

9.1 Service Availability

We strive to maintain service availability but cannot guarantee uninterrupted access. The service may be temporarily unavailable for maintenance, updates, or technical issues.

9.2 Financial Advice Disclaimer

Expensia is a tool for tracking and organizing financial information. It does not provide financial advice, investment recommendations, or professional financial planning services.

9.3 Limitation of Liability

To the maximum extent permitted by law, TechnoDevelopers & Team shall not be liable for:

• Any indirect, incidental, or consequential damages
• Financial losses or decisions based on app data
• Data loss due to technical issues or user error
• Third-party integrations or services

10. Indemnification

You agree to indemnify and hold harmless TechnoDevelopers & Team from any claims, damages, or expenses arising from:

• Your use of the app
• Your violation of these Terms
• Your violation of any third-party rights
• Any content you submit or upload

11. Modifications to Terms

We may modify these Terms at any time. Changes will be effective immediately upon posting. We will notify users of significant changes through:

• In-app notifications
• Email notifications to registered users
• Updates on our website

Continued use of the app after changes constitutes acceptance of the modified Terms.

12. Termination

12.1 Termination by You

You may stop using our service and delete your account at any time through the app settings.

12.2 Termination by Us

We may suspend or terminate your access to the service if you violate these Terms or for any reason with reasonable notice.

12.3 Effect of Termination

Upon termination, your access to the service will cease, and we may delete your account data in accordance with our data retention policies.

13. Governing Law and Dispute Resolution

13.1 Governing Law

These Terms are governed by and construed in accordance with the laws of the jurisdiction where TechnoDevelopers & Team is established.

13.2 Dispute Resolution

Any disputes arising from these Terms or your use of the service will be resolved through:

1. Good faith negotiation
2. Mediation if negotiation fails
3. Binding arbitration as a last resort

14. Miscellaneous

14.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and TechnoDevelopers & Team.

14.2 Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.

14.3 Assignment

You may not assign your rights under these Terms. We may assign our rights and obligations to any third party.

15. Contact Information

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