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Terms and Conditions - Expense ManagerSummary of Key Points1. Acceptance of Terms2. Service Description3. User Account and Registration4. Data Collection and Usage5. Third-Party Services6. Privacy and Data Storage7. User Rights and Controls8. Limitations and Disclaimers9. User Responsibilities10. Intellectual Property11. Termination12. Indemnification13. Governing Law14. Changes to Terms15. Contact InformationAdditional Provisions

Terms and Conditions - Expense Manager

Effective Date: August 10, 2024

Version: 1.0.0

Last Updated: August 10, 2024

Summary of Key Points

  • Privacy First: All expense data is stored locally on your device
  • Read-Only Access: We only read your emails, never modify or delete them
  • You Control Your Data: Disconnect accounts and delete data anytime
  • AI Processing: Email snippets are processed by OpenAI for categorization
  • No Financial Advice: This app is for tracking only, not financial guidance

1. Acceptance of Terms

By downloading, installing, or using the Expense Manager application ("App"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, do not use the App.

Age Restrictions

You must be at least 18 years old to use this App. As per Indian regulations for financial applications, users must be legally capable of entering into contracts.

2. Service Description

Expense Manager is an Android application that:

  • Automatically scans Gmail emails for transaction receipts
  • Uses artificial intelligence to categorize expenses
  • Stores expense data locally on your device
  • Provides expense tracking and reporting features
  • Allows data export in CSV format

The App is provided "as is" for personal expense tracking purposes only.

3. User Account and Registration

Google Account Integration

  • You may connect your Google account to enable Gmail scanning
  • Connection is established through Google's official OAuth 2.0 process
  • You grant read-only access to your Gmail messages
  • No Google account passwords are stored by the App

OpenAI API Configuration

  • You may optionally provide your own OpenAI API key
  • This enables AI-powered expense categorization
  • API keys are stored locally on your device
  • You are responsible for any OpenAI API usage costs

4. Data Collection and Usage

What We Access

When you grant permission, the App accesses:

  • Email Headers: Subject, sender, date information
  • Email Body: Full content to identify transactions
  • Email Metadata: Message IDs and thread IDs

What We Extract

From your emails, we extract only:

  • Transaction amounts
  • Merchant/sender information
  • Transaction dates
  • Transaction descriptions
  • Categories (determined by AI)

What We DON'T Do

  • We do NOT store full email content
  • We do NOT modify or delete emails
  • We do NOT send emails on your behalf
  • We do NOT share email data with third parties (except OpenAI for processing)
  • We do NOT store data on external servers

5. Third-Party Services

Google Gmail API

  • Used to access your email data
  • Governed by Google's Terms of Service
  • Requires explicit user authorization
  • Uses secure OAuth 2.0 authentication

OpenAI API

  • Used for intelligent expense categorization
  • Only transaction-relevant text snippets are sent
  • Governed by OpenAI's Terms of Service and Privacy Policy
  • Processing occurs only when you sync emails

Third-Party Liability

We are not responsible for the practices, actions, or policies of these third-party services.

6. Privacy and Data Storage

Local Storage

  • All expense data is stored locally on your Android device
  • Data resides in the App's private storage area
  • Data is included in Android's standard backup if enabled
  • No cloud synchronization or external servers

Data Security

  • Data is protected by Android's security model
  • Access requires device authentication
  • We recommend using device lock screens
  • You are responsible for device security

Data Retention

  • Data remains on device until you delete it
  • Clearing app data removes all stored information
  • Uninstalling the app removes all associated data

7. User Rights and Controls

You have the right to:

  • Access: View all your stored expense data
  • Export: Download your data in CSV format
  • Delete: Remove all data via app settings
  • Disconnect: Revoke Gmail access at any time
  • Portability: Export and transfer your data
  • Opt-out: Use the app without AI features

GDPR Rights (EU Users)

If you're in the EU, you additionally have rights to:

  • Request data rectification
  • Object to processing
  • Lodge complaints with supervisory authorities

CCPA Rights (California Users)

California residents have rights under CCPA including:

  • Right to know what data is collected
  • Right to delete personal information
  • Right to non-discrimination

8. Limitations and Disclaimers

Service Limitations

  • The App provides automated categorization, NOT financial advice
  • Accuracy depends on email formats and AI interpretation
  • Not all transactions may be detected
  • Categorization may occasionally be incorrect
  • Service depends on third-party API availability

Disclaimers

  • No Financial Advice: The App does not provide investment, tax, or financial advice
  • Accuracy: We do not guarantee 100% accuracy in transaction detection or categorization
  • Availability: We do not guarantee uninterrupted service availability
  • Third-Party Services: We are not responsible for Gmail or OpenAI service outages

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES RESULTING FROM YOUR USE OF THE APP.

9. User Responsibilities

You are responsible for:

  • Account Security: Maintaining secure Google account credentials
  • API Keys: Keeping OpenAI API keys confidential
  • Data Verification: Reviewing and verifying expense categorizations
  • Device Security: Using screen locks and device security features
  • Backups: Maintaining backups of important data
  • Compliance: Using the App in compliance with all applicable laws
  • Accurate Information: Ensuring connected accounts belong to you

Prohibited Uses

You may not:

  • Use the App for illegal purposes
  • Attempt to access other users' data
  • Reverse engineer or modify the App
  • Use the App to process others' emails without consent
  • Exceed reasonable usage limits

10. Intellectual Property

App Ownership

The App, including its design, features, and content, is owned by Primakor and protected by intellectual property laws.

Your Data

You retain ownership of your financial data. By using the App, you grant us limited rights to process this data solely for providing the service.

Feedback

Any feedback or suggestions you provide may be used to improve the App without compensation to you.

11. Termination

Your Right to Terminate

You may stop using the App at any time by:

  • Uninstalling the application
  • Revoking Gmail access
  • Deleting all data through settings

Our Right to Terminate

We may terminate or suspend access if you:

  • Violate these Terms
  • Use the App for prohibited purposes
  • Engage in abusive behavior

Effect of Termination

Upon termination:

  • Your right to use the App ceases
  • Local data remains until manually deleted
  • Gmail access is revoked

12. Indemnification

You agree to indemnify and hold harmless Primakor, its affiliates, and their respective officers, directors, employees, and agents from any claims, damages, losses, liabilities, costs, or expenses arising from:

  • Your use of the App
  • Your violation of these Terms
  • Your violation of any third-party rights

13. Governing Law

These Terms are governed by the laws of India, without regard to conflict of law principles. Any disputes shall be resolved exclusively in the courts of Noida, Uttar Pradesh, India.

Compliance with Indian Laws

This App complies with:

  • Information Technology Act, 2000
  • Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011
  • Consumer Protection Act, 2019
  • Indian Contract Act, 1872

14. Changes to Terms

We may update these Terms from time to time. Changes will be effective upon posting to the App or website. Continued use after changes constitutes acceptance of the modified Terms.

We will notify users of material changes through:

  • In-app notifications
  • Email (if provided)
  • App update descriptions

15. Contact Information

For questions, concerns, or feedback regarding these Terms:

Email: mayank@primakor.com

Reporting Issues

Grievance Officer (India)

As per Information Technology Act requirements: Name: Grievance Officer

Email: mayank@primakor.com

Response Time: Within 48 hours

Additional Provisions

Severability

If any provision of these Terms is found unenforceable, the remaining provisions will continue in effect.

Entire Agreement

These Terms constitute the entire agreement between you and Primakor regarding the App.

No Waiver

Our failure to enforce any right or provision is not a waiver of that right or provision.

Assignment

You may not assign these Terms without our prior written consent. We may assign these Terms without restriction.

Force Majeure

We are not liable for failures due to circumstances beyond our reasonable control.

India-Specific Provisions

RBI Compliance

While this App is not a financial institution, we follow best practices for financial data handling as recommended by the Reserve Bank of India (RBI) for fintech applications.

GST and Tax Disclaimer

The App is for expense tracking only. We do not provide GST calculations, tax advice, or ITR filing services. Users should consult qualified professionals for tax matters.

Indian Financial Year Support

The App supports both calendar year and Indian financial year (April-March) for expense tracking and reporting.

Data Localization

All your data is stored locally on your device within India when you use the App in India, complying with data localization requirements.

By using Expense Manager, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.

Thank you for choosing Expense Manager for your expense tracking needs.