Terms and Conditions

Last updated: June 22, 2026

These Terms and Conditions (“Terms”) govern your use of Expense Tracker (the “Service”) at expense-tracker.yjaphzs.xyz. By using the Service — or by creating an account — you agree to these Terms. If you do not agree, please don't use the Service.

1. The Service

Expense Tracker is a free tool that helps you record income and expenses, organize them into wallets and categories, set up recurring transactions, and view simple analytics of your own money. It can be used without an account; creating one simply lets you save your data and sync it across devices.

2. Not financial advice

The Service is a personal bookkeeping tool. Any balances, totals, charts, or summaries it shows are calculated solely from the figures you enter and are provided for your personal reference only. They are not financial, accounting, tax, or investment advice, and may not reflect your actual account balances. You are responsible for the accuracy of the data you enter and for any decision you make based on it. Any file you export or download from the Service (for example a JSON backup or a spreadsheet export) is simply a copy of the data you entered — it is not an official financial statement and is not certified by any bank or authority.

3. Accounts

To create an account you must provide a valid email address (or sign in with Google). You are responsible for keeping your credentials secure and for all activity under your account. Provide accurate information and notify us of any unauthorized use. You must be old enough to form a binding agreement in your jurisdiction, or have a parent or guardian's consent.

4. Your data and content

You retain ownership of the data you enter (transactions, amounts, categories, wallets, recurring items, and profile details). By using the Service with an account, you grant us permission to store, process, and sync that data solely to operate the Service for you, as described in our Privacy Policy. You are responsible for the accuracy of the data you enter.

5. Acceptable use

You agree not to:

• Use the Service for any unlawful purpose.
• Attempt to gain unauthorized access to the Service, other users' data, or our underlying infrastructure.
• Interfere with or disrupt the Service, including probing, scraping, or overloading it.
• Upload malicious content, or images that are unlawful, infringing, or inappropriate, as your profile photo.
• Present any export, backup, or summary generated by the Service as an official financial statement or bank-issued record.
• Reverse engineer or misuse the Service in ways that harm us or other users.

6. Availability and changes

The Service is provided free of charge on an “as is” and “as available” basis. We may modify, suspend, or discontinue any part of it at any time, and we don't guarantee uninterrupted or error-free operation. We may also update features, including how data is stored or synced.

7. Disclaimers and limitation of liability

To the fullest extent permitted by law, the Service is provided without warranties of any kind, whether express or implied, including fitness for a particular purpose and accuracy of results. To the maximum extent permitted by law, we will not be liable for any indirect, incidental, or consequential damages, or for any loss of data, arising from your use of — or inability to use — the Service.

8. Termination

You may stop using the Service and delete your account at any time from the Account → Security page. We may suspend or terminate access if you violate these Terms or misuse the Service.

9. Changes to these Terms

We may revise these Terms from time to time. Material changes will be reflected by updating the “Last updated” date above. Continued use of the Service after changes means you accept the revised Terms.

10. Governing law

These Terms are governed by the laws of the Republic of the Philippines, without regard to its conflict-of-law rules. Any disputes will be subject to the exclusive jurisdiction of the competent courts located in the Philippines.

11. Contact

Questions about these Terms? Email jan@yjaphzs.xyz.