Terms of Service

Last Updated: January 28, 2026

Important Notice

Please read these Terms of Service carefully before using ExpenTrace. By accessing or using our service, you agree to be bound by these terms. If you do not agree to these terms, please do not use our service.

1. Acceptance of Terms

By creating an account or using ExpenTrace ("the Service"), you agree to comply with and be bound by these Terms of Service ("Terms"). These Terms constitute a legally binding agreement between you and ExpenTrace ("we," "us," or "our").

2. Description of Service

ExpenTrace is a financial management application that provides:

Expense tracking and categorization
Budget planning and management
Financial insights and analytics
Multi-currency support
Transaction reminders and notifications
Data export capabilities

The Service is available through mobile applications (iOS and Android) and web platforms.

3. Account Registration and Eligibility

3.1 Eligibility

You must be at least 16 years of age to use ExpenTrace. By using the Service, you represent and warrant that you meet this age requirement.

3.2 Account Security

When you create an account, you agree to:

Provide accurate, current, and complete information
Maintain and promptly update your account information
Maintain the security of your password and account
Accept all responsibility for activity that occurs under your account
Notify us immediately of any unauthorized use of your account

3.3 Account Termination

We reserve the right to suspend or terminate your account if:

You violate these Terms
You provide false or misleading information
Your account is used for fraudulent or illegal activities
We are required to do so by law

4. User Responsibilities

4.1 Acceptable Use

You agree to use ExpenTrace only for lawful purposes. You must not:

Use the Service to engage in any illegal activities
Attempt to gain unauthorized access to the Service or other users' accounts
Upload malware, viruses, or any malicious code
Interfere with or disrupt the Service or servers
Reverse engineer, decompile, or disassemble any part of the Service
Use automated systems (bots, scrapers) without our written permission
Impersonate any person or entity

4.2 Data Accuracy

You are solely responsible for the accuracy of the financial data you enter into ExpenTrace. We are not responsible for any financial decisions you make based on the data in your account.

5. Financial Disclaimer

Not Financial Advice

ExpenTrace is a tool for tracking and organizing your financial information. We do not provide financial, investment, tax, or legal advice. The Service is not a substitute for professional financial advice. You should consult with qualified professionals for specific financial guidance.

We make no representations or warranties regarding:

The accuracy of currency conversion rates
The suitability of any budgeting strategies
The financial outcomes from using our Service
Tax implications of your financial activities

6. Intellectual Property Rights

6.1 Our Rights

All content, features, and functionality of ExpenTrace, including but not limited to:

Software code and algorithms
Design, graphics, and user interface
Trademarks, logos, and brand elements
Text, images, and multimedia content

are owned by ExpenTrace and are protected by copyright, trademark, and other intellectual property laws.

6.2 Your Data

You retain all rights to the financial data and content you input into ExpenTrace. By using the Service, you grant us a limited license to use your data solely for the purpose of providing and improving the Service.

7. Payment Terms

7.1 Free and Premium Features

ExpenTrace offers both free and premium subscription tiers. Premium features may include:

Advanced analytics and reports
Unlimited transaction history
Priority customer support
Additional export formats

7.2 Subscription and Billing

Premium subscriptions are billed on a recurring basis (monthly or annually). By subscribing, you authorize us to charge your payment method for the subscription fee plus applicable taxes.

7.3 Cancellation and Refunds

You may cancel your subscription at any time through your account settings. Cancellations take effect at the end of your current billing period. We do not provide refunds for partial subscription periods except as required by law.

8. Service Availability and Modifications

8.1 Service Availability

We strive to maintain 99.9% uptime, but we do not guarantee uninterrupted access to the Service. The Service may be temporarily unavailable due to:

Scheduled maintenance
Technical issues or server failures
Force majeure events
Third-party service disruptions

8.2 Modifications to Service

We reserve the right to modify, suspend, or discontinue any aspect of the Service at any time, with or without notice. We will make reasonable efforts to notify users of significant changes.

9. Data Backup and Loss

While we maintain regular backups of our systems, you are responsible for maintaining your own backup copies of your financial data. We recommend regularly exporting your data using our export features.

Important: We are not liable for any data loss, corruption, or deletion that may occur, regardless of cause. You should regularly export and save copies of your important financial records.

10. Limitation of Liability

To the maximum extent permitted by law:

ExpenTrace is provided "as is" without warranties of any kind
We are not liable for any indirect, incidental, or consequential damages
Our total liability shall not exceed the amount you paid us in the past 12 months
We are not responsible for decisions you make based on data in the Service
We are not liable for any financial losses resulting from use of the Service

11. Indemnification

You agree to indemnify and hold harmless ExpenTrace, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

Your use of the Service
Your violation of these Terms
Your violation of any third-party rights
Any content you submit through the Service

12. Third-Party Services

ExpenTrace may integrate with or link to third-party services (such as app stores, payment processors, or analytics providers). Your use of these third-party services is subject to their respective terms and privacy policies. We are not responsible for the practices of third-party services.

13. Privacy

Your use of ExpenTrace is also governed by our Privacy Policy. Please review our Privacy Policy to understand how we collect, use, and protect your information.

14. Dispute Resolution

14.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of [Your Jurisdiction], without regard to its conflict of law provisions.

14.2 Arbitration

Any disputes arising from these Terms or your use of the Service shall be resolved through binding arbitration, except where prohibited by law. You waive your right to a jury trial or class action lawsuit.

15. Changes to Terms

We may update these Terms from time to time. We will notify you of material changes by:

Posting the new Terms on this page
Updating the "Last Updated" date
Sending an in-app notification or email

Your continued use of the Service after changes take effect constitutes acceptance of the new Terms.

16. Severability

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

17. Contact Information

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

Support: support@expentrace.com

Acknowledgment

By using ExpenTrace, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.