Terms of Service

Effective November 13, 2026

These terms apply to your use of My Expense (the “app”), provided by the developer of My Expense (“we”). By installing or using the app you agree to them. If you do not agree, please do not use the app.

What the app is

My Expense is a personal expense tracker. It records expenses you enter and, if you allow it, expenses it detects from bank and e-wallet notifications in the supported countries (Indonesia, Singapore, Malaysia, China and Japan). It does not hold, move, exchange or lend money, and it is not a bank or a financial adviser.

Your licence to use it

We give you a personal, non-exclusive, non-transferable licence to install and use the app on devices you own or control, for your own non-commercial use. You may not copy, sell, rent or redistribute the app, or use it to harm others or break the law. You may not reverse engineer it except where the law gives you that right.

Your data and your responsibility

• Your data is yours. It is stored on your device, and optionally in your own Google Drive, as described in the Privacy Policy.
• You are responsible for keeping backups. If you lose or reset your phone without a backup, we cannot recover your data.
• You are responsible for the notifications you allow the app to read and for keeping your device and Google account secure.

Accuracy

Automatic detection reads the text of notifications, and banks can change that text at any time. The app may miss a payment, record it twice, pick the wrong merchant or category, or misread an amount. Totals, charts and budgets are only as accurate as the data behind them. Check them against your bank statements before relying on them for any decision. Exchange rates are European Central Bank reference rates, may be a day or more old, and are shown for information only: the app does not convert your amounts, and the rates are not suitable for real transactions. Nothing in the app is financial, tax or legal advice.

Third-party services and trademarks

The app can work with Google Drive and Firebase (including Cloud Firestore for exchange rates), which are governed by their own terms. Bank and e-wallet names and logos shown in the app belong to their owners. We are not affiliated with, endorsed by or sponsored by any of them. They appear only to show which source a payment came from.

Availability and changes

We may update, change or stop the app or any feature at any time. We may update these terms too. The latest version is always on this page, and continuing to use the app after a change means you accept it.

No warranty

The app is provided “as is” and “as available”, without warranties of any kind, to the fullest extent the law allows. We do not promise it will be error-free, uninterrupted or fit for a particular purpose.

Limit of liability

To the fullest extent the law allows, we are not liable for indirect or consequential loss, lost data, or lost profit arising from your use of the app. Nothing in these terms limits liability that cannot be limited by law.

Ending your use

You can stop using the app at any time by uninstalling it. We may suspend or end access if you break these terms.

Governing law

These terms are governed by the laws of the Republic of Indonesia, unless your local consumer law requires otherwise.

Contact

Questions about these terms: privacy@example.com