1. Acceptance of Terms
Welcome to the SpendQ Buddy application ("Application", "we", "us"). By using the Application, you confirm that you have read, understood, and accepted these Terms of Use ("Terms"). If you do not agree with any part of the Terms, please do not use the Application.
2. Description of Services
The Application provides users with the ability to enter bills and track their expenses in the following ways:
- Manual Entry
- QR Code Scanning (currently only for bills issued in Serbia)
- Taking Pictures of Bills or Importing Images/PDFs for data processing and extraction
The Application also offers additional functionalities, such as item categorization, expense analysis, and insights into spending, in line with its current or future version.
Availability: We reserve the right to modify or suspend any part of the Services temporarily or permanently at any time and for any reason (with or without prior notice), and we are not responsible for any damage or loss of access that may result.
3. User Accounts
3.1. Anonymous Use
The Application allows creating an anonymous account using Firebase anonymous authentication. Anonymous accounts can, upon user request, later be linked to an account using an email address.
3.2. Registration via Email and Password
Users can create an account by providing an email address and password (no need for email verification, unless stated otherwise). You are responsible for keeping your login credentials (email and password) secure. It is recommended to use a strong password to protect your account.
3.3. Account Management
At any time, you can update your account information (unless the application imposes additional restrictions). We reserve the right to suspend or terminate accounts without prior notice in case of violation of the Terms or other unlawful actions.
4. Data Processing
4.1. Entry and Processing of Bills
Bills can be entered manually or by scanning QR codes, photos, and PDF files. The bills themselves and their scans (images, PDFs) are not stored permanently on our servers but are processed temporarily to extract relevant items.
4.2. Third Parties
In certain cases, we forward bill data to third parties, such as OpenAI API and Google Vision (or other OCR/AI services) for processing. These third parties have their own privacy policies and are obliged to protect your data in accordance with applicable regulations and contractual obligations.
4.3. Limitations and Liability
While we strive to ensure the accuracy and timeliness of the processed information, we cannot guarantee that all data (items, amounts, categories) will always be 100% accurate or complete. For more detailed information on how we handle data, please read our Privacy Policy.
5. Privacy
Your privacy is important to us. The way we collect, use, and share your data is detailed in our Privacy Policy. By using the Application, you confirm that you have read and understood the terms of the Privacy Policy and accept its application.
6. Data Deletion
6.1. Deletion Request
Users can request to delete their account and data considered personal or related to a personal account at any time. Deletion is performed asynchronously and may take a few days.
6.2. Consequences of Deletion
After deletion, you may not be able to access previous bills or other data entered through the Application. We reserve the right to retain certain data in accordance with legal obligations or for the purpose of resolving disputes, enforcing the Terms, and preventing abuse, to the extent permitted by applicable regulations.
7. Usage Restrictions
7.1. Permitted Actions
You use the Application in accordance with its intended purpose: tracking personal expenses, generating insights on bills, etc. You are required to provide accurate, complete, and up-to-date information when using the Services.
7.2. Prohibited Actions
You must not misuse the Application for unlawful purposes, nor attempt to bypass or undermine security measures. You must not use the Application for mass transmission or storage of sensitive personal data of other individuals without their consent. You must not perform "reverse engineering" on parts of the code or access tokens.
8. Subscriptions and Payments
8.1. Types of Subscriptions and Purchases
The Application may offer subscriptions (e.g., to remove ads) and one-time purchases (OCR credits, additional categories) available through Google Play Store or Apple App Store. Details on prices, subscription durations, and payment methods are displayed before finalizing the transaction.
8.2. Automatic Renewal and Cancellation
If you choose a periodic subscription, it will automatically renew at the end of the billing period (month), unless you cancel it within the Google Play Store or Apple App Store settings, in accordance with the policies of those platforms. If you cancel the subscription, you will have access to paid functionalities until the end of the already paid period.
8.3. Price and Fee Changes
We reserve the right to periodically update subscription and purchase prices. We will inform you of any significant changes via email or notification within the Application, and your continued use after the new prices take effect will be considered acceptance of them.
8.4. Refund (Money Back)
Our refund policy depends on the rules of Google Play Store and Apple App Store. For more information on refunds, please refer to the official guidelines of the respective app store.
9. Liability and Disclaimer of Warranties
9.1. Use at Your Own Risk
The Application is available "as is". We do not guarantee that it will meet your needs and expectations or that it will always be available and error-free.
9.2. Disclaimer of Liability
To the extent permitted by applicable laws, neither we nor our partners are liable for any direct, indirect, incidental, consequential, or special damages arising from the use or inability to use the Application.
9.3. Financial Advice
All expense analyses or estimates generated by the Application are for informational purposes only. The user is responsible for interpreting and applying this information in their financial planning.
10. Changes to Terms
We reserve the right to periodically update or modify these Terms of Use, in whole or in part. All such modified Terms will be published in the Application and become effective immediately upon publication, unless another date is specified. Your continued use of the Application after such changes means that you accept the new Terms.
11. Contact
If you have any questions or concerns regarding these Terms, please contact us:
Email: [email protected]
12. Governing Law and Jurisdiction
If any dispute or claim arises out of or in connection with these Terms, it will be resolved in accordance with the laws of the competent jurisdiction where our legal entity is located, unless otherwise specified by applicable regulations.
13. Acceptance of Terms and Final Provisions
Acceptance: By using the Application, you confirm that you have read, understood, and accepted these Terms.
Severability: If any provision of the Terms is found to be invalid or unenforceable, the remaining provisions remain in effect and fully applicable.
Transfer of Rights: You may not transfer your rights or obligations under these Terms to others without our prior written consent.
Contact Email: [email protected]