Terms & Conditions

1. Acceptance of Terms

By accessing or using Expenso at https://expenso-vault.vercel.app, you agree to be bound by these Terms & Conditions. If you do not agree with any part of these terms, you may not use our service.

2. Description of Service

Expenso is a free personal finance web application that allows users to track income and expenses, manage budgets, categorize transactions, view financial charts, and export data. The service is provided free of charge and is intended for personal, non-commercial use.

3. User Accounts

When you create an account on Expenso, you agree to:

• Provide accurate and complete information during registration
• Keep your password secure and confidential
• Be responsible for all activity that occurs under your account
• Notify us immediately of any unauthorized use of your account
• Not share your account credentials with any third party

We reserve the right to terminate accounts that violate these terms or are found to be engaging in abusive or fraudulent activity.

4. Acceptable Use

You agree not to use Expenso to:

• Violate any applicable laws or regulations
• Upload or transmit malicious code, viruses, or harmful content
• Attempt to gain unauthorized access to our systems or other users' accounts
• Use the service for any commercial purpose without prior written consent
• Scrape, crawl, or extract data from the platform in an automated manner
• Impersonate any person or entity

5. Your Data

You retain full ownership of all financial data you enter into Expenso. We do not claim any rights over your personal or financial information. You can export or delete your data at any time. Please refer to our Privacy Policy for full details on how we handle your data.

6. Financial Disclaimer

Expenso is a personal finance tracking tool and is not a financial advisory service. The information and insights provided by the app are for informational and organizational purposes only. We do not provide financial, investment, tax, or legal advice. Always consult a qualified financial professional before making financial decisions.

7. Availability & Uptime

We strive to keep Expenso available 24/7, but we do not guarantee uninterrupted access to the service. We may occasionally perform maintenance, updates, or experience downtime beyond our control. We are not liable for any losses resulting from service interruptions or outages.

8. Intellectual Property

All content, design, code, logos, and branding on Expenso are the intellectual property of Expenso and are protected by applicable copyright and trademark laws. You may not copy, reproduce, modify, or distribute any part of the service without our prior written permission.

9. Limitation of Liability

To the maximum extent permitted by law, Expenso shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of data, loss of profits, or any other losses arising out of or in connection with your use of the service. Our total liability shall not exceed the amount you paid us in the past 12 months (which for free users is zero).

10. Termination

You may delete your account and stop using Expenso at any time. We reserve the right to suspend or terminate your access to the service at our discretion, without notice, if we believe you have violated these terms or engaged in harmful activity.

11. Changes to Terms

We may update these Terms & Conditions from time to time. We will notify users of significant changes by updating the date at the top of this page. Continued use of the service after any changes constitutes your acceptance of the new terms.

12. Governing Law

These Terms & Conditions shall be governed by and construed in accordance with the laws of India. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the courts of India.