Terms of Service

Effective date: March 1, 2026

These Terms of Service ("Terms") govern your use of the eXpense application ("the app", "we", "us") for iOS, macOS, and watchOS. By downloading, installing, or using eXpense, you agree to be bound by these Terms. If you do not agree, do not use the app.

1. Description of Service

eXpense is a personal finance app that helps users track and categorise their expenses across iOS, macOS, and Apple Watch. The app stores data locally on your device and does not transmit financial data to external servers.

2. Eligibility

You must be at least 16 years of age to use eXpense. By using the app, you represent that you meet this requirement.

3. User Accounts

eXpense does not require you to create an account. Your expense data is stored locally on your device and synced via iCloud if you have iCloud enabled. No financial data is transmitted to our servers.

4. Free and Premium Tiers

• Free tier — access to basic expense tracking with limited categories.
• Premium subscription — monthly or yearly subscription, or a one-time lifetime purchase. Premium features include unlimited categories, advanced reports, CSV export, widget support, and Apple Watch app.

5. Subscriptions and Payments

• All payments are processed by Apple through the App Store. We do not collect or store any payment information.
• Subscriptions automatically renew at the end of each billing period unless you cancel at least 24 hours before the renewal date.
• You can manage or cancel your subscription at any time through your Apple ID settings: Settings > [Your Name] > Subscriptions.
• Refunds are handled by Apple in accordance with their App Store terms.
• Prices may change. We will provide advance notice of any price changes through the app.

6. Financial Data Disclaimer

eXpense is a personal budgeting tool and does not provide financial, investment, tax, or accounting advice. The app is designed for personal expense tracking only. You are responsible for the accuracy of data you enter. We are not responsible for any financial decisions made based on data tracked in the app.

7. Data Storage and iCloud

• Your expense data is stored locally on your device.
• If iCloud sync is enabled, your data is stored in your personal iCloud account, subject to Apple's iCloud terms and privacy policy.
• We do not have access to your expense data.
• You are responsible for backing up your data. We are not liable for data loss due to device failure, accidental deletion, or iCloud issues.

8. Acceptable Use

You agree not to:

• Reverse-engineer, decompile, or disassemble the app.
• Use the app for any unlawful purpose, including tax evasion or financial fraud.
• Attempt to gain unauthorized access to our servers or infrastructure.

9. Intellectual Property

All content, design, code, and trademarks in eXpense are owned by TechConcepts.Org or our licensors. You are granted a limited, non-exclusive, non-transferable license to use the app for personal, non-commercial purposes.

10. Service Availability

We strive to keep eXpense available at all times but do not guarantee uninterrupted service. We reserve the right to modify, suspend, or discontinue the app at any time, with or without notice.

11. Limitation of Liability

To the maximum extent permitted by applicable law:

• eXpense is provided "as is" without warranties of any kind.
• We shall not be liable for any indirect, incidental, or consequential damages, including any financial loss arising from your use of the app.
• Our total aggregate liability shall not exceed the amount you paid for the app in the 12 months preceding the claim.

12. Third-Party Services

eXpense integrates with RevenueCat (subscription management), Apple StoreKit, and Apple iCloud. Your use of these services is subject to their respective terms and privacy policies.

13. Changes to These Terms

We may update these Terms from time to time. Your continued use of eXpense after changes take effect constitutes acceptance of the revised Terms.

14. Governing Law and Jurisdiction

These Terms are governed by the laws of the Italian Republic and applicable European Union regulations. Any disputes shall be subject to the exclusive jurisdiction of the courts of Milan, Italy. EU consumers also benefit from mandatory provisions of their country of residence.

15. Dispute Resolution

The European Commission provides an online dispute resolution platform at https://ec.europa.eu/consumers/odr. Contact us first at [email protected].

16. Contact

Email: [email protected]