Terms of Service

1. Acceptance of Terms

By downloading, installing, or using CashTrack (the "App"), developed and operated by Lean Bytes, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not install or use the App.

2. Description of Service

CashTrack is a personal finance management application available on Android and iOS, built with Compose Multiplatform. The App provides the following features:

• Manual Transaction Tracking: Record income and expense transactions with details including merchant, amount, category, date, and notes through a multi-step entry process.
• Dashboard & Analytics: View your total balance, income/expense breakdowns, spending charts (area charts, bar charts), budget progress tracking, top spending categories, and recent transaction summaries.
• Transaction History: Browse, search, filter (by category, type, or period), and sort your full transaction history. Delete transactions by swiping.
• Analytics & Reports: Access KPI overviews (spent, income, savings), categorical breakdowns with donut charts, 30-day spending trends, and weekly comparison charts.
• Budget Management: Set a monthly budget limit and track spending progress against it, with visual indicators and warnings.
• Category Management: Use built-in expense/income categories or create custom categories with custom icons and colors.
• AI-Powered Smart Input: Add transactions via voice commands (speech-to-text processed by device, then parsed by Google Gemini AI) or receipt scanning (OCR via Google ML Kit, then parsed by Google Gemini AI).
• AI Chat Assistant: An integrated AI assistant powered by Google Gemini that provides personalized financial insights based on your transaction data.
• SMS Auto-Tracking (Android only): Automatically detect and parse bank transaction SMS messages to log transactions.
• Smart Insights: Context-aware financial advice banners on the dashboard based on your spending patterns.
• Notifications: Optional push notifications, weekly spending summaries, and budget alert notifications.
• Security: Optional biometric/device-credential lock (Face ID, fingerprint, or PIN) for app access.
• Customization: Currency selection (multiple supported currencies), theme mode (light, dark, system), and profile editing.
• Cloud Backup: Transactions and settings are synced to Google Cloud Firestore under your anonymous account for backup and recovery.
• Premium Features: Certain advanced features may require a premium subscription (advanced analytics, recurring transactions, budget goals, export reports, AI spending coach, encrypted backup).

The service is provided "as is" and is subject to availability.

3. User Account

CashTrack uses Firebase Anonymous Authentication to create an account for you automatically. No personal login credentials (email, password, or phone number) are required. Your account is identified by an anonymous unique ID tied to your device.

You are responsible for maintaining the security of your device. If you lose access to your device, you may lose access to your cloud-synced data associated with that anonymous account.

4. SMS Auto-Tracking Disclaimer

The SMS Auto-Tracking feature relies on parsing incoming SMS messages from financial institutions using AI-powered text analysis (Google Gemini). Please note:

• We do not guarantee the accuracy or completeness of data extracted from SMS messages.
• Transaction amounts, merchant names, and categories may be incorrectly parsed.
• Users are responsible for verifying and correcting all automatically captured transactions.
• The feature only works when enabled in Settings and the required SMS permissions are granted.
• Raw SMS messages are not stored by CashTrack — only the extracted transaction data is saved.

5. AI Features Disclaimer

CashTrack uses Google Gemini AI to power several features. Please understand the following:

5.1 AI Chat Assistant

• Financial insights and answers provided by the AI assistant are for informational purposes only.
• They do not constitute professional financial, investment, tax, or legal advice.
• Your transaction data (summaries, not raw data) is sent to Google's servers to generate responses.
• Chat conversations are not stored persistently and are cleared on app close.

5.2 Voice Input & Receipt Scanning

• Voice-to-text is processed by your device's native speech recognition engine.
• Receipt text is extracted on-device using Google ML Kit OCR.
• The resulting text is sent to Google Gemini for transaction parsing.
• Results may be inaccurate. Always review AI-suggested transactions before saving.

5.3 Smart Insights

• Dashboard insights are generated locally based on your spending data and budget settings.
• They are general observations, not personalized financial advice.

Lean Bytes is not liable for any financial decisions made based on AI-generated suggestions, insights, or advice.

6. Premium Subscriptions

• Certain features may require a Premium subscription, available as Monthly ($4.99/mo) or Yearly ($2.99/mo, billed annually) plans.
• Premium subscriptions include a 7-day free trial and a 30-day money-back guarantee.
• Subscriptions are managed and billed through the respective App Store (Apple) or Google Play Store and are subject to their billing terms and refund policies.
• You can cancel your subscription at any time through the store's subscription management interface.
• Premium features include: Advanced Analytics, Recurring Transactions, Budget Goals, Export Reports (CSV & PDF), Bank-Level Security (encrypted backup), and AI Spending Coach.

7. User Conduct

By using CashTrack, you agree not to:

• Use the App for any illegal, unauthorized, or fraudulent purpose.
• Attempt to reverse-engineer, decompile, disassemble, or extract the source code of the App.
• Interfere with or disrupt the integrity or performance of the App or its backend services.
• Attempt to gain unauthorized access to CashTrack's servers, databases, or third-party services.
• Use automated systems (bots, scrapers) to interact with the App.
• Submit false, misleading, or harmful data through any input method (manual, voice, SMS, or receipt).
• Abuse the AI features by submitting prompts intended to generate harmful, offensive, or inappropriate content.

8. Data & Privacy

Your use of CashTrack is also governed by our Privacy Policy, which describes how we collect, use, and protect your data. Key points include:

• CashTrack uses a local-first architecture — your data is stored primarily on your device.
• Certain data is synced to Google Cloud Firestore for backup under your anonymous account.
• AI features send data to Google's servers for processing.
• Crash reports are collected via Firebase Crashlytics.
• You can delete all local data at any time via Settings or request cloud data deletion by contacting us.

9. Intellectual Property

All content, design, code, graphics, logos, and trademarks associated with CashTrack are the intellectual property of Lean Bytes. You may not reproduce, distribute, modify, or create derivative works from any part of the App without our prior written consent.

10. Third-Party Services

CashTrack relies on third-party services including Google Firebase (Authentication, Firestore, Crashlytics), Google Gemini AI, and Google ML Kit. These services are governed by their own terms of service and privacy policies. We are not responsible for the availability, accuracy, or conduct of these third-party services.

11. Disclaimer of Warranties

CashTrack is provided "AS IS" and "AS AVAILABLE" without warranties of any kind, either express or implied. We do not warrant that:

• The App will be uninterrupted, error-free, or free of viruses or other harmful components.
• AI-generated outputs (transaction parsing, financial insights, chat responses) will be accurate, complete, or reliable.
• SMS parsing will correctly extract all transaction details from every banking SMS format.
• Data synced to the cloud will be preserved indefinitely or be immune to loss.

12. Limitation of Liability

To the maximum extent permitted by applicable law, Lean Bytes and its developers, officers, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages resulting from:

• Your use or inability to use CashTrack.
• Financial losses arising from reliance on AI-generated financial advice, insights, or transaction parsing.
• Inaccurate or missed transactions from SMS auto-tracking, voice input, or receipt scanning.
• Data loss due to device failure, cloud service outages, or account deletion.
• Unauthorized access to your device or account resulting from your failure to secure your device.
• Any actions taken based on information provided by the App's AI features.

13. Indemnification

You agree to indemnify and hold harmless Lean Bytes from any claims, damages, losses, or expenses (including reasonable attorney fees) arising from your use of CashTrack, violation of these Terms, or infringement of any rights of a third party.

14. Termination

We reserve the right to suspend or terminate your access to CashTrack at any time, with or without cause, including but not limited to violation of these Terms. Upon termination, your right to use the App ceases immediately. Local data on your device remains accessible until you uninstall the app.

15. Changes to Terms

We reserve the right to modify these Terms at any time. When we make changes, we will update the "Last Updated" date at the top of this page. Your continued use of CashTrack after changes are posted constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

16. Governing Law

These Terms shall be governed by and construed in accordance with the laws of India, without regard to conflict of law principles. Any disputes arising from or related to these Terms shall be resolved in the courts of competent jurisdiction in India.

17. Contact Information

For any questions, concerns, or legal inquiries regarding these Terms of Service, please contact:

Lean Bytes
Email: leanbytes0@gmail.com