Terms and Conditions

By accessing and using Expenie ("the Service"), you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use our service.

Expenie is a gamified personal finance management platform that helps users track expenses, manage budgets, earn experience points (XP), complete challenges, and achieve financial goals through an engaging, game-like experience.

Expenie provides the following features and services:

• Expense Tracking: Log and categorize your daily expenses with detailed descriptions and dates.
• Income Management: Track multiple income sources and monitor your cash flow.
• Budget Planning: Create and manage budgets for different expense categories.
• EMI/Loan Tracking: Monitor loan repayments and EMI schedules.
• Gamification Features: Earn XP, level up, maintain streaks, complete challenges, and unlock achievements.
• Financial Analytics: View insights, reports, and financial health scores.

To access Expenie's features, you must create an account. When creating your account, you agree to:

• Provide accurate, current, and complete information during registration.
• Maintain and promptly update your account information.
• Maintain the security and confidentiality of your login credentials.
• Accept responsibility for all activities that occur under your account.
• Notify us immediately of any unauthorized use of your account.

We reserve the right to suspend or terminate accounts that violate these terms or remain inactive for extended periods.

Expenie incorporates gamification elements to enhance user engagement:

• Experience Points (XP): Earned by logging expenses, maintaining streaks, and completing challenges. XP has no monetary value.
• Levels & Titles: Progress through levels from "Novice Saver" to "Financial Titan" based on accumulated XP.
• Streaks: Track consecutive days of expense logging to build healthy financial habits.
• Challenges: Time-limited goals that reward users with bonus XP upon completion.
• Achievements: Badges and milestones celebrating financial accomplishments.

All virtual rewards, XP, levels, and achievements are for entertainment and motivational purposes only. They hold no monetary value and cannot be exchanged, sold, or transferred.

When using Expenie, you agree NOT to:

• Use the service for any illegal or unauthorized purpose.
• Attempt to gain unauthorized access to our systems or other users' accounts.
• Interfere with or disrupt the integrity or performance of the service.
• Attempt to manipulate the gamification system through fraudulent activity.
• Share, sell, or transfer your account to another person.
• Use automated scripts, bots, or tools to interact with the service.

Your privacy is important to us. Our collection and use of personal data is governed by our Privacy Policy.

By using Expenie, you acknowledge that:

• Your financial data (expenses, income, budgets) is stored securely and used only to provide the service.
• We do not sell your personal or financial data to third parties.
• You can export or delete your data at any time through your account settings.
• We employ industry-standard security measures to protect your information.

The service is provided "as is" without warranties of any kind. We do not guarantee:

• Financial advice or recommendations. Any decisions based on data shown in Expenie are your sole responsibility.
• Uninterrupted or error-free service availability.
• Accuracy of calculations or data if user-inputted information is incorrect.

To the maximum extent permitted by law, Expenie shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the service.

We reserve the right to modify these Terms and Conditions at any time. When we make changes:

• We will update the "Last Updated" date at the top of this page.
• For significant changes, we will notify you via email or in-app notification.
• Continued use of the service after changes constitutes acceptance of the new terms.

If you have any questions about these Terms and Conditions, please contact us: