Terms of Service

Welcome to ExpenseTracker. By accessing or using our service, you agree to be bound by these Terms of Service.

1. Acceptance of Terms

By registering for an account and using the ExpenseTracker WhatsApp bot, you acknowledge that you have read, understood, and agree to these terms.

2. User Responsibilities

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree not to use the service for any illegal or unauthorized purpose.

3. Service Availability

While we strive to provide 100% uptime, ExpenseTracker is provided "as is" and "as available". We do not guarantee that the service will be uninterrupted, timely, secure, or error-free.

4. AI Advice Disclaimer

The financial insights and advice provided by our AI are for informational purposes only and do not constitute professional financial advice. Always consult with a certified financial planner for serious financial decisions. External AI queries and voice recognition are processed securely by subprocessors including Groq Inc. and Google Firebase.

5. Account Termination & Deletion

You may terminate your account and request complete deletion of all your stored transactions, budgets, and personal records at any time via our public Account Deletion Page. Upon confirmation, data is permanently erased.

6. Grievance Redressal

For concerns regarding terms of service or data handling under applicable IT laws, contact our designated Grievance Officer at grievance@smart-expense-coach.com (TODO: appoint designated officer).

7. Changes to Terms

We reserve the right to modify these terms at any time. Continued use of the service constitutes acceptance of the new terms.