TERMS & CONDITIONS

1. Acceptance of Terms

By accessing or using Xpensy, you agree to be bound by these Terms & Conditions. If you do not agree to these terms, please do not use our service.

2. Service Description

Xpensy is an AI-powered expense tracking service that allows users to track their expenses through WhatsApp and a web interface. We provide automated expense categorization, budget management, and financial insights.

3. User Accounts

To use our service, you must:

• Be at least 18 years old
• Provide accurate and complete registration information
• Maintain the security of your account credentials
• Notify us immediately of any unauthorized access
• Be responsible for all activities under your account

4. Acceptable Use

You agree not to:

• Use the service for any illegal purposes
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the service
• Share your account with others
• Use automated systems to access the service without permission
• Violate any applicable laws or regulations

5. WhatsApp Integration

Our service integrates with WhatsApp. You acknowledge that:

• You must have a valid WhatsApp account to use this feature
• WhatsApp's terms of service also apply
• We are not responsible for WhatsApp service interruptions
• Standard data and message rates may apply

6. Data and Privacy

Your use of Xpensy is also governed by our Privacy Policy. By using the service, you consent to our collection and use of your data as described in the Privacy Policy. You retain ownership of your expense data, but grant us a license to process it to provide the service.

7. Subscription and Payment

Xpensy offers both free and premium subscription plans:

• Free plan includes basic expense tracking features
• Premium features require a paid subscription
• Subscription fees are billed in advance
• Refunds are handled on a case-by-case basis
• You may cancel your subscription at any time

8. Intellectual Property

All content, features, and functionality of Xpensy are owned by Xpensy Technologies and are protected by intellectual property laws. You may not copy, modify, distribute, or reverse engineer any part of our service without permission.

9. Service Modifications

We reserve the right to:

• Modify or discontinue the service at any time
• Change pricing with reasonable notice
• Update features and functionality
• Impose usage limits or restrictions

10. Disclaimer of Warranties

The service is provided "as is" without warranties of any kind. We do not guarantee:

• Uninterrupted or error-free service
• Accuracy of AI-generated categorizations
• Complete data security (though we implement reasonable measures)
• Fitness for any particular purpose

11. Limitation of Liability

To the maximum extent permitted by law, Xpensy Technologies shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of data, loss of profits, or business interruption.

12. Termination

We may terminate or suspend your account at any time for violations of these terms or for any other reason. Upon termination, your right to use the service ceases immediately. You may also terminate your account at any time by contacting us.

13. Governing Law

These Terms & Conditions are governed by the laws of India. Any disputes shall be resolved in the courts of India.

14. Changes to Terms

We may update these Terms & Conditions from time to time. We will notify you 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.

15. Contact Information

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