The App

Terms of Use

Last updated: August 27, 2026

1. Acceptance of Terms

By downloading, installing, or using this application (“the App”), you agree to be bound by these Terms of Use (“Terms”). If you do not agree to these Terms, do not use the App.

2. Description of Service

The App is a personal expense tracking application that allows you to record and categorise daily expenses, tag expenses with mood indicators, track spending budgets and streaks, view spending reports and analytics, and sync data across Apple devices with a Pro subscription. The App is designed for personal, non-commercial use only.

3. User Eligibility

You must be at least 9 years of age to use the App. By using the App, you represent that you meet this requirement.

4. Account and Data

4.1 No account required

The App does not require account creation. The App uses your device’s local storage and, optionally, your Apple iCloud account for data sync.

4.2 Your data

You retain full ownership of all data you enter into the App. We do not claim any rights to your data. See our Privacy Policy for details on how your data is stored and protected.

4.3 Data accuracy

You are responsible for the accuracy of the data you enter. The App provides tools for tracking and analysis but does not verify the accuracy of your entries.

5. Subscriptions and Payments

5.1 Free tier

The App offers a free tier including unlimited expense tracking and local storage, 10 default expense categories, basic reports covering the last 30 days, the daily spending streak, and basic budget tracking.

5.2 Pro subscription

The Pro subscription is available as an auto-renewable subscription:

5.3 Payment

Payment is charged to your Apple ID account at confirmation of purchase. Prices are in US Dollars and may vary by region based on Apple’s pricing matrix. Prices are subject to change with notice.

5.4 Auto-renewal

Subscriptions automatically renew unless cancelled at least 24 hours before the end of the current period. Your account will be charged for renewal within 24 hours prior to the end of the current period. The renewal price will be the same as the original subscription price unless we notify you of a price change.

5.5 Cancellation

You can cancel at any time through your Apple ID account settings. Cancellation takes effect at the end of the current billing period, and you retain access to Pro features until then. Upon cancellation your data remains on your device — nothing is deleted. No refunds are provided for partial subscription periods.

5.6 Managing subscriptions

  1. Open the Settings app on your iPhone
  2. Tap your Apple ID at the top
  3. Tap Subscriptions
  4. Select the Pro subscription
  5. Tap Cancel Subscription

6. Intellectual Property

The App, including its design, code, graphics, icons and content, is owned by the developer and protected by intellectual property laws. We grant you a limited, non-exclusive, non-transferable, revocable licence to use the App for personal, non-commercial purposes, subject to these Terms.

You may not copy, modify or distribute the App; reverse engineer, decompile or disassemble it; use it for any illegal or unauthorised purpose; or remove any proprietary notices.

7. Disclaimer of Warranties

THE APP IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO FITNESS FOR A PARTICULAR PURPOSE, ACCURACY OF FINANCIAL CALCULATIONS, AND UNINTERRUPTED OR ERROR-FREE OPERATION.

The App is a personal expense tracking tool and does not provide financial advice, tax advice, investment advice, or accounting services. You should consult a qualified financial professional for financial advice.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE DEVELOPER SHALL NOT BE LIABLE FOR any indirect, incidental, special, consequential or punitive damages; loss of data, revenue or profits; interruption of service; or any damages arising from your use of or inability to use the App. Our total liability shall not exceed the amount you paid for the App in the 12 months preceding the claim.

9. Data Loss

While we take reasonable measures to protect your data, we are not responsible for data loss due to device failure or damage, iOS updates or changes, deletion of the App, iCloud storage issues, or circumstances beyond our control. We recommend regularly exporting your data (a Pro feature) for backup purposes.

10. Third-Party Services

The App uses Apple’s services including Core Data for local storage, CloudKit for iCloud Sync (Pro), StoreKit for subscription management, and UserNotifications for reminders. Your use of these services is subject to Apple’s terms and conditions. The App does not integrate with any other third-party services, APIs or SDKs.

11. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of significant changes through an App update. Your continued use of the App after changes constitutes acceptance of the updated Terms.

12. Termination

We reserve the right to terminate or suspend your access to the App if you violate these Terms. Upon termination, your licence to use the App is revoked.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which the developer resides, without regard to conflict of law principles.

14. Contact Us

If you have any questions about these Terms, contact us at appqueries.desk@yahoo.com.

15. Apple-Specific Terms