These Terms of Service (“Terms”) govern your use of the XPensas mobile application (“App”) developed by René Ricardo (“Developer”, “we”, “us”, or “our”). By downloading, installing, or using the App, you agree to be bound by these Terms.
If you do not agree to these Terms, do not use the App.
XPensas is a personal budget management application that helps you track expenses, manage budgets, set savings goals, and develop healthy financial habits through gamification features. All financial data is stored locally on your device.
You must be at least 13 years old (or the minimum age required in your jurisdiction) to use the App. By using the App, you represent and warrant that you meet this age requirement.
To use the App, you must create an account using your email address and password, or through Google or Apple sign-in. You are responsible for:
You agree to notify us immediately at hello@renerp.dev if you become aware of any unauthorized use of your account. We are not liable for any loss or damage arising from unauthorized access to your account.
Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to download and use the App on your personal mobile device for your personal, non-commercial use.
You agree not to:
XPensas is a budgeting and expense tracking tool. It does not provide financial advice, investment recommendations, tax guidance, or professional financial services. The information displayed in the App is based solely on data you enter and is intended for personal organizational purposes only.
You are solely responsible for your financial decisions. We recommend consulting a qualified financial professional for financial advice.
The App offers a premium subscription (“XPensas Pro”) that unlocks additional features. Subscriptions are processed through the Apple App Store or Google Play Store.
You can manage or cancel your subscription at any time through:
Cancellation takes effect at the end of the current billing period. No refunds are provided for partial subscription periods.
Refund requests are handled by Apple or Google per their respective refund policies. We do not process payments or refunds directly.
The App, including its design, code, text, and other content, is the property of René Ricardo and is protected by copyright, trademark, and other intellectual property laws.
You retain ownership of all data you enter into the App (transactions, budgets, goals, category names, notes, and images). We do not claim any ownership rights over your content.
All financial data, preferences, gamification data, and notification history are stored exclusively on your device. We do not have access to this data.
Because your financial data is stored locally on your device, you are responsible for maintaining backups of your device. We are not liable for any data loss resulting from:
Your use of the App is also governed by our Privacy Policy, which describes how we collect, use, and protect your information.
The App integrates with the following third-party services:
Your use of these services is subject to their respective terms and privacy policies. We are not responsible for the practices or availability of third-party services.
The App is provided on an “as is” and “as available” basis without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, title, and non-infringement.
We do not warrant that:
The App allows you to set a currency and exchange rate manually. We do not provide real-time exchange rate data. Any exchange rate calculations are based on the rate you configure and may not reflect current market rates.
To the maximum extent permitted by applicable law, in no event shall the Developer be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, data, use, goodwill, or other intangible losses, resulting from:
In no event shall our total liability exceed the amount you paid for the App or subscription in the twelve (12) months preceding the claim.
You agree to indemnify, defend, and hold harmless the Developer from any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorney fees) arising from:
If you downloaded the App from the Apple App Store, the following additional terms apply:
These Terms are between you and René Ricardo, not with Apple Inc. (“Apple”). Apple is not responsible for the App or its content.
The license granted to you is limited to a non-transferable license to use the App on any Apple-branded product that you own or control, as permitted by the App Store Terms of Service.
The Developer, not Apple, is solely responsible for providing maintenance and support services for the App.
In the event of any failure of the App to conform to any applicable warranty, you may notify Apple and Apple will refund the purchase price (if any) for the App. To the maximum extent permitted by applicable law, Apple has no other warranty obligation with respect to the App.
The Developer, not Apple, is responsible for addressing any claims relating to the App or your possession and use of the App, including but not limited to:
In the event of any third-party claim that the App or your use of the App infringes that third party’s intellectual property rights, the Developer, not Apple, will be solely responsible for the investigation, defense, settlement, and discharge of any such claim.
Apple and its subsidiaries are third-party beneficiaries of these Terms. Upon your acceptance of these Terms, Apple will have the right to enforce these Terms against you as a third-party beneficiary.
You represent and warrant that:
You may stop using the App at any time by uninstalling it from your device. To delete your account and associated data, contact us at hello@renerp.dev.
We may suspend or terminate your access to the App at any time, with or without cause, with or without notice. Reasons for termination may include violation of these Terms or any applicable law.
Upon termination:
We may modify these Terms at any time. When we do, we will revise the “Last Updated” date at the top of this page. Your continued use of the App after the effective date of any changes constitutes your acceptance of the updated Terms.
For material changes, we will provide notice through the App or other appropriate means at least 30 days before the changes take effect.
These Terms are governed by and construed in accordance with the laws of the jurisdiction in which the Developer resides, without regard to its conflict of law provisions.
If any provision of these Terms is held to be invalid or unenforceable, that provision will be enforced to the maximum extent permissible, and the remaining provisions will remain in full force and effect.
These Terms, together with our Privacy Policy, constitute the entire agreement between you and the Developer regarding your use of the App and supersede any prior agreements.
If you have any questions about these Terms, please contact us at:
Email: hello@renerp.dev