Terms of Service

Expense Tracker by Velzio

Last updated: April 21, 2026

1. Acceptance of Terms

By downloading, installing, or using Expense Tracker ("the App"), you agree to these Terms of Service. If you do not agree, do not use the App.

2. Description of Service

Expense Tracker is a personal finance tracking app that allows you to manually record income, expenses, and investments. The App stores data locally on your device and offers optional AI-powered insights.

3. User Accounts

The App does not require account creation or sign-in. No personal identification is collected. Firebase Anonymous Authentication may be used for AI features, but this does not create a user-identifiable account.

4. In-App Purchases and Subscriptions

Ad-Free (One-Time Purchase)

Removes all advertisements permanently
Non-refundable except as required by applicable law or Google Play's refund policy
Tied to your Google account and can be restored on any device

Pro Subscription

Provides access to AI insights, unlimited chat, unlimited receipt scanning, and other premium features
Available as monthly or yearly auto-renewing subscription

Auto-renewal: Your subscription automatically renews at the end of each billing period unless you cancel at least 24 hours before the renewal date.

Cancellation: You can cancel anytime from Google Play > Subscriptions. Cancellation takes effect at the end of the current billing period.

Free trial: If offered, you will not be charged during the trial period. If you do not cancel before the trial ends, your subscription will begin and you will be charged.

Price changes: We may change subscription prices with advance notice. You must agree to any price increase before it takes effect.

All billing is handled by Google Play. We do not process or store payment information.

5. AI Features Disclaimer

The App includes AI-powered features (weekly reports, overspend alerts, chat) powered by Google Gemini.

IMPORTANT:

AI-generated insights are for informational purposes only
They do not constitute financial, investment, tax, or legal advice
AI responses are based on the spending data you have entered and may contain errors or inaccuracies
You should not make financial decisions based solely on AI-generated content
Always consult a qualified financial advisor for personal financial advice

When you use AI features, aggregated spending data is sent to Google's servers for processing. See our Privacy Policy for details.

6. User Data and Privacy

Your use of the App is also governed by our Privacy Policy. Key points:

Financial data is stored locally on your device
We do not have servers that store your personal data
AI features send aggregated summaries (not individual transactions) to Google Gemini
Crash reports are collected anonymously via Firebase Crashlytics
Ads are served by Google AdMob (free tier only)

7. Acceptable Use

You agree not to:

Use the App for any unlawful purpose
Attempt to reverse-engineer, decompile, or extract source code from the App
Circumvent any technical measures designed to protect the App or its content
Use the App to process financial data for commercial or business purposes (the App is designed for personal use)

8. Intellectual Property

The App, including its design, code, and content, is owned by Velzio. You are granted a limited, non-exclusive, non-transferable license to use the App for personal purposes.

9. Limitation of Liability

THE APP IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY LAW:

We are not liable for any financial losses resulting from use of or reliance on the App or its AI features
We are not responsible for data loss due to device failure, app uninstallation, or any other cause
Our total liability shall not exceed the amount you paid for the App in the 12 months preceding the claim

10. Termination

We reserve the right to terminate or restrict your access to the App at any time, with or without cause. Upon termination, your license to use the App ends. Locally stored data remains on your device.

11. Changes to Terms

We may update these Terms from time to time. Changes will be reflected by updating the date at the top of this page. Continued use of the App after changes constitutes acceptance.

12. Governing Law

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

13. Contact

If you have questions about these Terms, contact us at velzio.apps@gmail.com.