Terms of Service

Acceptance of Terms

These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and PuppyByte ("we," "us," or "our") governing your use of the Xpenses mobile application ("App") available on Apple's App Store.

By downloading, installing, accessing, or using the App, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, please do not download, install, or use the App.

Description of Service

Xpenses is a personal finance and expense tracking application designed to help you manage your financial information. The App provides the following core functionalities:

Free Tier Features

• Unlimited transaction history tracking
• Monthly views for income and expenses
• Year view with analytics charts
• Intuitive expense and income tracking interface
• Basic categorization of transactions

Premium Features (Subscription or Lifetime Purchase)

• Monthly budgeting with customizable spending limits
• Recurring transactions automation
• Custom categories creation and editing
• iCloud synchronization across devices
• Family sharing functionality via iCloud
• CSV import and export capabilities
• Advanced reporting and analytics

Service Limitations

The App is designed for personal financial tracking and does not:

• Connect to banks or financial institutions
• Provide financial advice or investment guidance
• Process actual financial transactions
• Replace professional financial planning services

Acceptable Use

You agree to use the App only for its intended purpose of personal financial tracking and in compliance with all applicable laws and regulations.

Permitted Uses

You may:

• Track your personal expenses, income, and financial transactions
• Create budgets and financial goals for personal use
• Share data with family members using the family sharing feature
• Export your data for personal backup purposes (Premium feature)
• Use the App on multiple devices associated with your Apple ID

Prohibited Uses

You may not:

• Use the App for any illegal activities or purposes
• Violate any local, state, national, or international laws or regulations
• Remove, alter, or obscure any proprietary notices or labels
• Interfere with or disrupt the App's functionality or security features
• Use the App to harass, abuse, or harm others
• Attempt to gain unauthorized access to any portion of the App or related systems

Data Storage and Your Responsibilities

The App offers multiple data storage options, and you are responsible for choosing the method that best meets your needs.

Storage Options

• Local Storage (Default): Your data is stored exclusively on your iOS device
• iCloud Sync (Premium, Optional): Data stored in your personal iCloud account with end-to-end encryption
• CSV Export/Import (Premium): Manual backup and transfer capabilities

Your Data Responsibilities

You acknowledge and agree that:

• You are solely responsible for the accuracy and completeness of financial data you enter
• You must maintain appropriate backups of your financial information
• You are responsible for securing any exported data files
• The App is a tool for organization and tracking, not a substitute for professional record-keeping
• You should verify the accuracy of your financial records independently

Data Loss Prevention

To prevent data loss, we recommend:

• Regular device backups through iTunes or iCloud device backup
• Using the CSV export feature for additional backups (Premium)
• Maintaining multiple devices with the App if using iCloud sync
• Setting up proper Apple ID recovery methods if using iCloud features

iCloud Integration and Third-Party Services

The App integrates with Apple's iCloud services to provide synchronization and sharing features. By using these features, you acknowledge and agree that:

iCloud Service Dependencies

• iCloud sync requires a valid iCloud account and sufficient storage space
• You are responsible for maintaining your iCloud account in good standing
• iCloud service availability and performance are controlled by Apple, not PuppyByte
• You are subject to Apple's iCloud Terms of Service and Privacy Policy
• Storage limitations are determined by your iCloud account settings and Apple's policies

End-to-End Encryption

• Your data is protected using Apple's CloudKit end-to-end encryption
• Neither Apple nor PuppyByte can access your encrypted financial data
• If you lose access to your iCloud Keychain and recovery methods, your data may be permanently inaccessible
• You are responsible for maintaining proper Apple ID security and recovery options
• Data recovery depends on your iCloud Keychain accessibility and device availability

Service Limitations

PuppyByte is not responsible for:

• iCloud service outages or performance issues
• Data loss due to iCloud account problems or Apple ID issues
• Changes to Apple's iCloud terms, pricing, or availability
• Third-party service interruptions beyond our control

Critical Warning: Due to end-to-end encryption, data recovery is impossible without proper iCloud Keychain access. Ensure you have proper Apple ID recovery methods configured and maintain at least one device with the App installed and synced.

Subscription and Payment Terms

Xpenses offers different pricing tiers to access premium features. All purchases are processed through Apple's App Store.

Pricing Tiers

• Free Tier: Basic expense tracking features at no cost
• Premium Subscription: Monthly or yearly recurring subscription for advanced features
• Premium Lifetime: One-time purchase for permanent access to premium features

Payment Processing

All payments are processed exclusively through Apple's App Store:

• Purchases are subject to Apple's App Store Terms of Service
• Billing and payment collection are handled entirely by Apple
• We do not collect or store your payment information
• Refund requests must be made through Apple's App Store support

Feature Access

Premium features become available immediately upon successful purchase and remain accessible:

• For the duration of an active subscription (subscription model)
• Permanently (lifetime purchase model)
• Until the App is deleted or significant account changes occur

Data Sharing and Family Features

The App provides optional family sharing capabilities that allow you to share financial information with other iCloud users.

Voluntary Sharing

By using the family sharing feature, you acknowledge that:

• All data sharing is voluntary and initiated by you
• You explicitly choose with whom to share your financial information
• You can revoke sharing access at any time through the App
• Shared data maintains the same end-to-end encryption protection
• Only invited iCloud users can access your shared data

Sharing Responsibilities

When sharing data, you agree to:

• Only share information you have the right to share
• Respect the privacy of those with whom you share data
• Use sharing features responsibly and lawfully
• Not share sensitive information that could harm others
• Understand that shared data may be visible to all invited participants

Sharing Limitations

PuppyByte is not responsible for:

• Consequences of your data sharing decisions
• Disputes between family members or shared users
• Misuse of shared data by invited participants
• Privacy breaches resulting from your sharing choices

Intellectual Property Rights

The App and all its components are protected by intellectual property laws.

Our Intellectual Property

PuppyByte owns and retains all rights, title, and interest in:

• The Xpenses application, including all source code, object code, and executable files
• All user interfaces, designs, graphics, and visual elements
• The "Xpenses" name, logo, and branding materials
• All documentation, help files, and instructional materials
• All updates, modifications, and derivative works of the App

Your Data Ownership

You retain ownership of all financial data and personal information you enter into the App. We claim no ownership or intellectual property rights over your data.

Privacy and Data Protection

Your privacy is important to us. The collection, use, and protection of your information is governed by our Privacy Policy, which is incorporated by reference into these Terms.

Key Privacy Principles

• We do not collect or store your personal financial data on our servers
• Your data remains on your device and in your personal iCloud account (if enabled)
• We do not have access to your financial information
• No data is shared with third parties, advertisers, or data brokers

For complete details about how we handle information, please review our Privacy Policy.

Disclaimers and Warranties

Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. PUPPYBYTE SPECIFICALLY DISCLAIMS ALL IMPLIED WARRANTIES, INCLUDING BUT NOT LIMITED TO:

• MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE
• NON-INFRINGEMENT OF THIRD-PARTY RIGHTS
• ACCURACY, COMPLETENESS, OR RELIABILITY OF CONTENT
• UNINTERRUPTED OR ERROR-FREE OPERATION
• SECURITY OR VIRUS-FREE OPERATION

Financial Accuracy Disclaimer

THE APP IS A TOOL FOR ORGANIZING AND TRACKING FINANCIAL INFORMATION. PUPPYBYTE MAKES NO WARRANTIES REGARDING:

• The accuracy of financial calculations or reports
• The completeness of your financial records
• The suitability of the App for specific financial planning needs
• Compliance with tax or accounting requirements

Service Availability

We do not guarantee that:

• All features will function perfectly in all circumstances
• The App will be compatible with all devices or iOS versions
• iCloud sync will always be available or function perfectly

User Responsibility

You acknowledge that:

• You use the App at your own risk and discretion
• You are responsible for verifying the accuracy of your financial data
• The App is not a substitute for professional financial advice

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, PUPPYBYTE SHALL NOT BE LIABLE FOR ANY DAMAGES ARISING FROM OR RELATED TO YOUR USE OF THE APP.

Excluded Damages

IN NO EVENT SHALL PUPPYBYTE BE LIABLE FOR:

• INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES
• LOSS OF PROFITS, REVENUE, DATA, OR USE
• BUSINESS INTERRUPTION OR LOSS OF OPPORTUNITIES
• FINANCIAL LOSSES RESULTING FROM INACCURATE DATA OR CALCULATIONS
• DAMAGES RESULTING FROM THIRD-PARTY SERVICES (INCLUDING iCLOUD)
• LOSSES DUE TO DATA CORRUPTION, DEVICE FAILURE, OR USER ERROR

Maximum Liability

TO THE EXTENT LIABILITY CANNOT BE EXCLUDED, PUPPYBYTE'S TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID FOR THE APP IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

Basis of Bargain

The limitations of liability set forth in this section are fundamental elements of the basis of the bargain between PuppyByte and you. The App would not be provided without such limitations.

Jurisdictional Limitations

Some jurisdictions do not allow the exclusion or limitation of certain warranties or damages. In such jurisdictions, the above limitations may not apply to you, but they will be enforced to the maximum extent permitted by law.

Indemnification

You agree to indemnify, defend, and hold harmless PuppyByte, its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or relating to:

• Your use or misuse of the App
• Your violation of these Terms
• Your violation of any third-party rights, including intellectual property rights
• Any data you share or make available through the App
• Your negligent or wrongful conduct

This indemnification obligation will survive termination of these Terms and your use of the App.

Term and Termination

Term

These Terms remain in effect until terminated by either you or PuppyByte in accordance with the provisions set forth below.

Termination by You

You may terminate these Terms at any time by:

• Deleting the App from all your devices
• Discontinuing all use of the App
• Canceling any active subscriptions through your Apple ID account

Termination by PuppyByte

We may terminate or suspend your access to the App immediately, without prior notice, if:

• You breach any provision of these Terms
• You engage in conduct that we reasonably believe violates applicable law
• We decide to discontinue the App (with reasonable notice)
• Required by law or court order

Effect of Termination

Upon termination:

• Your right to use the App immediately ceases
• You must stop using the App and delete it from all devices
• Provisions that by their nature should survive termination will continue to apply
• Your data remains yours and under your control
• Premium subscriptions will be handled according to Apple's policies

Survival

The following sections will survive termination: Intellectual Property Rights, Disclaimers and Warranties, Limitation of Liability, Indemnification, Governing Law, and Dispute Resolution.

Dispute Resolution

Informal Resolution

Before initiating any formal dispute resolution, you agree to first contact us to attempt to resolve any disputes informally. Please send detailed information about your concern to the contact information provided below.

Binding Arbitration

Any disputes arising out of or relating to these Terms or the App that cannot be resolved informally shall be resolved through binding arbitration in accordance with the rules of the applicable arbitration organization in our jurisdiction, rather than in court, except that:

• You may assert claims in small claims court if your claims qualify
• Either party may seek equitable relief in court for infringement or misuse of intellectual property rights

Class Action Waiver

You agree that any arbitration or court proceeding shall be limited to the dispute between you and PuppyByte individually. To the full extent permitted by law, you waive your right to participate in a class action lawsuit or class-wide arbitration.

Jurisdiction and Venue

For any disputes not subject to arbitration, the courts located in our jurisdiction shall have exclusive jurisdiction, and you consent to personal jurisdiction in such courts.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the European Union and the jurisdiction where PuppyByte operates, without regard to conflict of law principles.

International Users

If you are accessing the App from outside our jurisdiction, you are responsible for compliance with local laws. These Terms do not override mandatory consumer protection laws that may apply in your jurisdiction.

Language

These Terms are written in English. Any translations are provided for convenience only, and the English version shall prevail in case of any conflicts or discrepancies.

Changes to These Terms

We may modify these Terms from time to time to reflect changes in our services, legal requirements, or business practices.

Notification of Changes

When we make changes to these Terms:

• We will update the "Last updated" date at the top of this document
• For material changes, we may provide additional notice through the App or App Store
• We may require you to accept the updated Terms before continuing to use the App

Acceptance of Changes

Your continued use of the App after changes are posted constitutes your acceptance of the modified Terms. If you do not agree to the updated Terms, you must stop using the App.

Previous Versions

Previous versions of these Terms may be available upon request for your reference.

Miscellaneous

Entire Agreement

These Terms, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and PuppyByte regarding the App and supersede all prior agreements and understandings.

Severability

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

Waiver

No waiver of any term or condition of these Terms will be deemed a further or continuing waiver of such term or any other term, and our failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.

Contact Information

If you have any questions, concerns, or disputes regarding these Terms and Conditions, please contact us:

Developer Contact

Contact PuppyByte