Terms of Service
Last updated: 20 June 2026
The short version
- Expense Ledger is a tool to help you record and visualise your own money — it is not a bank, accountant, or financial adviser.
- Your data lives on your device. You are responsible for keeping your own backups (the app can back up to your Google Drive).
- The app is provided “as is”. We are not liable for any data loss, calculation errors, or financial loss arising from using it.
- Use the app lawfully and only for your own personal finance tracking.
These Terms of Service (“Terms”) are a legal agreement between you and Expense Ledger (“we”, “us”, “our”) and govern your use of the Expense Ledger mobile application and related services (collectively, the “App”). Please read them carefully.
1. Acceptance of these Terms
By downloading, installing, or using the App, you confirm that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy. If you do not agree, do not install or use the App.
2. Eligibility
You must be at least 13 years old (or the minimum age of digital consent in your country) to use the App. By using the App, you represent that you meet this requirement and that you have the legal capacity to enter into these Terms.
3. What the App does
Expense Ledger is a personal-finance application that lets you, on your own device:
- record expenses, income and transfers, organised by category and wallet/account;
- view insights and charts of your spending and income;
- search, filter, and import/export your records (e.g. as CSV);
- optionally back up and restore your data to your own Google Drive;
- set an optional daily reminder and protect the app with a biometric/PIN App Lock.
The App is a record-keeping and visualisation tool only. It does not move money, connect to your bank, execute transactions, or provide professional financial, accounting, investment, or tax services.
4. Licence to use the App
Subject to these Terms, we grant you a personal, limited, non-exclusive, non-transferable, revocable licence to use the App on devices you own or control, for your own personal, non-commercial use. We retain all rights not expressly granted.
5. Your responsibilities
- Accurate data. You are solely responsible for the information you enter and for verifying that your records, totals, and calculations are correct before relying on them.
- Backups. Because your data is stored on your device, you are responsible for keeping your own backups. We strongly recommend enabling Google Drive backup. Uninstalling the App, clearing its data, losing or resetting your device, or a device fault may permanently erase data that has not been backed up.
- Device security. You are responsible for securing your device, your screen lock, and your Google account.
- Lawful use. You agree to use the App only for lawful purposes and in compliance with these Terms.
6. Acceptable use
You agree not to: (a) reverse engineer, decompile, or attempt to extract the source code of the App except to the extent permitted by law; (b) copy, modify, distribute, sell, or lease any part of the App; (c) use the App to break any law or infringe anyone’s rights; or (d) interfere with or attempt to disrupt the App or any third-party services it relies on.
7. Third-party services
If you enable cloud backup, the App uses Google Sign-In and Google Drive. Your use of those services is governed by Google’s terms and privacy policy. We are not responsible for third-party services, and their availability or changes to them are outside our control. See our Privacy Policy for what data is involved.
8. Intellectual property
The App, including its name, logo, design, text, and software, is owned by us and protected by intellectual-property laws. The financial data you create remains yours.
9. Not financial advice
The App, including any insights, charts, summaries, or calculations, is provided for your personal information and convenience only and does not constitute financial, investment, accounting, tax, or legal advice. You should not rely on the App as a substitute for professional advice. Always verify figures independently and consult a qualified professional before making financial decisions.
10. Disclaimers & “as is”
THE APP IS PROVIDED “AS IS” AND “AS AVAILABLE”, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE APP WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR THAT ANY CALCULATIONS, TOTALS, OR DATA WILL BE ACCURATE OR PRESERVED.
You expressly acknowledge and agree that you use the App entirely at your own risk, and that we are not responsible or liable for:
- any loss, corruption, or deletion of data, including transactions, backups, or settings, however caused (including device loss/failure, uninstalling or clearing app data, failed backups or restores, or software errors);
- any errors, inaccuracies, or miscalculations in amounts, balances, totals, conversions, charts, or insights;
- any financial loss, missed payment, overspending, or other monetary or consequential damage arising from your use of, or inability to use, the App or your reliance on any information it displays.
11. Limitation of liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL WE (OR OUR CONTRIBUTORS OR SERVICE PROVIDERS) BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF DATA, PROFITS, SAVINGS, OR GOODWILL, ARISING OUT OF OR RELATING TO YOUR USE OF THE APP, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. TO THE EXTENT LIABILITY CANNOT BE EXCLUDED, OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS RELATING TO THE APP WILL NOT EXCEED THE GREATER OF (a) THE AMOUNT YOU PAID US FOR THE APP IN THE 12 MONTHS BEFORE THE CLAIM, OR (b) INR 1,000 (OR EQUIVALENT).
Some jurisdictions do not allow the exclusion of certain warranties or the limitation of certain liabilities, so some of the above may not apply to you. Nothing in these Terms limits any rights you have that cannot be excluded under applicable law.
12. Indemnification
You agree to indemnify and hold us harmless from any claims, damages, or expenses arising from your misuse of the App or your breach of these Terms, to the extent permitted by applicable law.
13. Termination
You may stop using the App at any time by uninstalling it. We may suspend or discontinue the App, or any feature, at any time. These Terms’ disclaimers and limitations of liability survive termination.
14. Changes to the App and these Terms
We may update the App and these Terms from time to time. When we make material changes, we will revise the “Last updated” date above and, where appropriate, provide notice in the App or on our website. Your continued use of the App after changes take effect means you accept the updated Terms.
15. Governing law
These Terms are governed by the laws of India, without regard to its conflict-of-laws rules, and you agree to the exclusive jurisdiction of the competent courts in India, except where applicable consumer-protection law grants you the right to bring proceedings in your country of residence.
16. Contact us
Questions about these Terms? Email info.expledger@gmail.com.