Terms of Service

You must be at least 13 years old, or the minimum age required in your jurisdiction to use online services without parental consent, to create an account or use the Service. By using the Service, you represent that you meet this requirement.

ExTrack automatically classifies transaction related notifications from the apps you choose on your device, such as your Messages app and your banking and payment apps, into a personal expense and income log. With a Pro subscription it can also read a receipt picture or a receipt you share to it, and add it to that log. To do this, the text of each notification is sent to our server and to a third party AI service, as described in our Privacy Policy. The Service is a personal tracking and organization tool. It does not connect to, access, or control your bank accounts, and it does not provide banking, lending, payment processing, investment advisory, or brokerage services of any kind.

You sign in to ExTrack with your Google account. You are responsible for keeping your Google account and your device secure and for all activity that occurs under your ExTrack account. You agree to notify us promptly of any unauthorized use of your account. You may only enable notification access on a device that you own or are authorized to use, and only for notifications that you are entitled to process.

ExTrack offers a free plan with certain usage limits, including a monthly allowance of automatically detected transactions (transactions you add by hand are not limited), and an optional paid Pro subscription that removes those limits and the advertisements shown on the free plan, and unlocks additional features. Pro subscriptions are billed and managed through the Google Play Store, and are subject to the Google Play Terms of Service and billing policies in addition to these Terms.

You may cancel your subscription at any time through your Google Play account settings. Cancellation takes effect at the end of the then current billing period, and you will retain access to Pro features until that time. Subscription fees are generally non-refundable except as required by applicable law or Google Play policy.

If a Pro subscription lapses while your account exceeds free plan limits, you are granted a grace period, currently ten days, to bring your account within those limits. After the grace period, adding new transactions, bank accounts and investments is paused until your account is within the free plan limits or your subscription is renewed. Everything else remains available in read-only form, and no data is deleted as a result of a lapsed subscription.

You agree not to:

• Use the Service for any unlawful purpose or in violation of any applicable law or regulation;
• Attempt to gain unauthorized access to the Service, other users' accounts, or our systems;
• Reverse engineer, decompile, or attempt to extract the source code of the app, except where such restriction is prohibited by applicable law;
• Interfere with or disrupt the integrity or performance of the Service;
• Use the Service to submit false, misleading, or fraudulent transaction data with intent to deceive.

Transaction classification is automated and may occasionally miscategorize, omit, or duplicate a transaction. ExTrack is a convenience tool intended to help you understand your spending, and is not a system of record. You should always verify important financial information against your bank's own statements and records.

Nothing in the Service constitutes financial, investment, tax, or legal advice. Any insights, summaries, or projections shown in the Service are for informational purposes only and should not be relied upon as the sole basis for any financial decision.

The Service, including its software, design, and content (excluding your own data), is owned by Nushirvan Naseer and is protected by applicable intellectual property laws. We grant you a limited, non-exclusive, non-transferable, revocable license to use the Service for your personal, non-commercial use, subject to these Terms.

The Service integrates with third party providers, including Google Sign-In, the Google Gemini API, RevenueCat, and Google AdMob, as described in our Privacy Policy. Your use of features involving these providers may also be subject to their own terms of service.

You may stop using the Service and delete your account at any time, as described in our Privacy Policy. We may suspend or terminate your access to the Service if we reasonably believe you have violated these Terms, engaged in fraudulent or abusive conduct, or where required to comply with applicable law.

The Service is provided "as is" and "as available," without warranties of any kind, whether express, implied, or statutory, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement, to the maximum extent permitted by applicable law.

To the maximum extent permitted by applicable law, Nushirvan Naseer shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, data, or goodwill, arising out of or in connection with your use of the Service, even if advised of the possibility of such damages. Our total liability for any claim arising from these Terms or the Service shall not exceed the amount you paid us, if any, in the twelve months preceding the claim.

Nothing in these Terms limits any liability that cannot be limited under applicable law.

You agree to indemnify and hold harmless Nushirvan Naseer from any claims, damages, liabilities, and expenses, including reasonable legal fees, arising from your use of the Service or your violation of these Terms, except to the extent caused by our own negligence or willful misconduct.

We may update these Terms from time to time. We will post the updated Terms on this page with a revised "Last updated" date, and where changes are material, we will provide additional notice through the app or other reasonable means. Your continued use of the Service after an update constitutes acceptance of the revised Terms.

These Terms are governed by the laws of Pakistan, without regard to its conflict of law principles, unless otherwise required by applicable consumer protection law in your place of residence.

If you have questions about these Terms, please contact us at bhindeedev@gmail.com.