Terms of Service

Last updated: August 2, 2026

These Terms of Service ("Terms") govern your use of the Personal Finance Manager Android app (the "App"). By downloading or using the App, you agree to these Terms. If you don't agree, please don't use the App.

1. What the App is

Personal Finance Manager is a personal budgeting and expense-tracking tool. It helps you record spending, income, transfers, and lending/borrowing between you and people you add, and gives you reports, reminders, and an optional home-screen widget. It is not a bank, a licensed financial institution, or a source of financial, tax, or investment advice — figures shown in the App are based solely on what you (or detection features you enable) enter, and we make no guarantee of their accuracy for any particular purpose.

2. Your account and your data

The App does not require creating an account with us to use its core features. Your entries are stored locally on your device. If you choose to use optional Google Sign-In for cloud backup, that is subject to Google's own terms in addition to these. You are responsible for keeping your device secure and for remembering any backup passphrase you set — we cannot recover an encrypted backup if you lose it.

3. Premium subscription & billing

• The App offers an optional Premium subscription (removes ads). Purchases, renewals, and cancellations are processed entirely by Google Play Billing, subject to Google Play's own terms and refund policies.
• Subscriptions renew automatically until cancelled. You can view, manage, or cancel your subscription at any time from Google Play's subscription settings, or from the link the App provides in its Premium screen.
• We do not process payments ourselves and do not see your card or billing details.

4. Acceptable use

You agree to use the App only for lawful, personal purposes, and not to attempt to reverse engineer, disrupt, or interfere with the App's operation, ad delivery, or subscription mechanisms.

5. Disclaimer of warranties

The App is provided "as is" and "as available," without warranties of any kind, express or implied, including but not limited to accuracy, reliability, or fitness for a particular purpose. Automated features such as notification-based transaction detection, currency conversion, and OCR bill scanning are best-effort and may occasionally be inaccurate or incomplete — always review detected entries before relying on them.

6. Limitation of liability

To the maximum extent permitted by law, we are not liable for any indirect, incidental, or consequential damages arising from your use of the App, including financial decisions made based on information it displays, or loss of data (including backups you're unable to decrypt because a passphrase was lost).

7. Changes to these Terms

We may update these Terms as the App changes. We'll update the "Last updated" date above when we do.

8. Contact us

Questions about these Terms? Email mediamansoftwaresolutions@gmail.com.