Use SaySpend carefully, and review what AI suggests.

1. Acceptance

By downloading, installing, accessing, or using SaySpend, you agree to these Terms of Use and EULA. If you do not agree, do not use the app.

If you downloaded SaySpend through the Apple App Store, your use is also subject to Apple's applicable platform terms, including StoreKit billing rules, Apple Media Services Terms and Conditions, and any Apple-mandated end user license terms.

2. License and eligibility

Subject to these Terms, you are granted a limited, personal, non-transferable, non-exclusive, revocable license to use SaySpend for lawful personal or internal business expense tracking purposes.

• You must be legally capable of entering into these Terms, or use the app with appropriate permission from a parent, guardian, or organization.
• You may not copy, resell, rent, sublicense, reverse engineer, or exploit the app except as permitted by applicable law.
• You may not use the app in a way that interferes with the app, the parsing service, or related infrastructure.

3. App features and AI output

SaySpend offers manual entry, voice input, receipt OCR, AI-assisted parsing, records, insights, widgets, notifications, and optional iCloud sync. Some SaySpend Premium features may be gated behind a paid plan.

• Voice input and speech recognition depend on Apple permissions and platform availability.
• Receipt OCR is currently performed on-device. Parsed receipt text and compressed receipt, bill, or payment screenshot images you choose to scan may then be sent to the AI parsing service.
• AI-assisted parsing is intended to save time, not to replace your judgment.

SaySpend is not accounting software, tax software, investment software, legal advice, or financial advice. You should not rely on SaySpend as your sole source of truth for regulated bookkeeping or tax compliance.

4. Your responsibilities

• You are responsible for the content you enter, import, speak, or attach to records.
• You represent that you have the rights needed to use any receipts, screenshots, photos, or other content you add to the app.
• You are responsible for maintaining the security of your device, Apple ID, iCloud account, and access to any synced data.
• You agree not to use the app for unlawful, abusive, infringing, fraudulent, or harmful purposes.
• You agree not to upload or submit content that you do not have the right to process.

5. SaySpend Premium purchases and subscriptions

SaySpend may offer paid SaySpend Premium plans through Apple's in-app purchase system. In the current implementation, available product types may include monthly, yearly, and lifetime options, depending on what is configured and offered in your region or build.

SaySpend Premium Monthly and SaySpend Premium Yearly are auto-renewable subscriptions. SaySpend Premium Lifetime, if offered, is a one-time purchase and does not renew. The exact subscription titles, durations, prices, and included features are shown in the app before purchase and may vary by country, region, currency, taxes, and App Store configuration.

• Payment is charged to your Apple ID at confirmation of purchase.
• Auto-renewable subscriptions renew automatically unless canceled at least 24 hours before the end of the current subscription period.
• Your Apple ID may be charged for renewal within 24 hours before the end of the current subscription period.
• You can manage or cancel subscriptions in your App Store account settings after purchase.
• Billing, renewal, cancellation, restoration, and refunds are handled by Apple under your App Store account terms and applicable law.
• We do not receive your full payment card information.
• Access to SaySpend Premium features may depend on successful purchase verification and active entitlement status.
• If a purchase is pending, canceled, refunded, revoked, or expired, Premium access may be delayed, limited, or removed.

Any free-tier limits, feature caps, or Premium feature availability may change over time as the product evolves.

6. Availability and changes

We may add, remove, suspend, or change app features at any time. The current AI processing pipeline uses a SaySpend-operated Cloudflare Worker and Xiaomi MiMo, and this may change over time. This includes changes to AI providers, widget behavior, notification settings, storage behavior, iCloud support, pricing, product packaging, or free-versus-paid feature boundaries.

We do not guarantee that the app or any feature will always be available, uninterrupted, secure, or error-free. Some features depend on Apple services, network access, third-party providers, or device capabilities.

7. Intellectual property

SaySpend, its app design, text, visual assets, widget layouts, and related software are protected by intellectual property laws. Except for the limited license granted above, no ownership rights are transferred to you.

8. Disclaimers and limitation of liability

To the maximum extent permitted by law, SaySpend is provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied.

• We do not warrant the accuracy of speech recognition, OCR, AI parsing, category assignment, calculations, or synced state.
• We do not warrant that records, attachments, or synced data will never be lost, delayed, duplicated, or corrupted.
• We are not liable for indirect, incidental, consequential, special, exemplary, or punitive damages arising from your use of the app.
• Where the law does not allow certain exclusions, those exclusions apply only to the maximum extent allowed.

9. Termination

These Terms remain in effect until terminated. You may stop using SaySpend at any time by deleting the app. We may suspend or limit access to some or all app functionality if required for legal, security, operational, or abuse-prevention reasons.

10. Contact

For questions about these Terms, please use the developer contact method listed on the App Store page for SaySpend - AI Expense Tracker.