Terms of Service

1. Acceptance of Terms

Welcome to Billr AI! These Terms of Service ("Terms") govern your use of the Billr AI mobile application and related services (collectively, the "Service") operated by [Your Company Name] ("we," "us," or "our").

These Terms constitute a legally binding agreement between you and us. Please read them carefully before using our Service.

2. Description of Service

Billr AI is an AI-powered mobile application that helps users track expenses by:

• Capturing photos of bills and receipts using your device's camera
• Extracting text from images using Google ML Kit technology
• Processing extracted text through Google Gemini AI to identify shop names, items, prices, and totals
• Storing structured expense data locally on your device using Hive database
• Providing calendar-based expense tracking and analytics
• Offering data export capabilities for premium users

3. Eligibility and Registration

3.1 Age Requirements

• You must be at least 13 years old to use our Service (16 in the EU)
• Users under 18 must have parental or guardian consent
• We may require age verification at our discretion

3.2 Account Registration

• You must provide accurate and complete registration information
• You are responsible for maintaining the security of your account credentials
• You may not share your account with others
• You must notify us immediately of any unauthorized account access

3.3 Prohibited Users

• Individuals prohibited from receiving services under applicable law
• Users in countries where our Service is not available
• Previously suspended or banned users

3.4 Capacity to Enter Agreement

• You must have the legal capacity to enter into binding agreements
• If you are using the Service on behalf of a business, you must have authority to bind that entity
• You represent that all registration information is accurate and current

4. License and Usage Rights

4.1 License Grant

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to use Billr AI for your personal or business expense tracking purposes.

4.2 Usage Restrictions

You may not:

• Reverse engineer, decompile, or disassemble the application
• Modify, adapt, or create derivative works
• Use the Service for illegal or unauthorized purposes
• Attempt to gain unauthorized access to our systems
• Use automated tools to access the Service
• Remove or alter any proprietary notices
• Resell or redistribute the Service

4.3 Device Requirements

• Compatible iOS or Android device with camera functionality
• Internet connection for AI processing features
• Sufficient storage space for local data
• Current operating system version as specified in app stores

4.4 Updates and Modifications

• We may update the Service periodically to add features or fix issues
• Some updates may be required for continued use
• We may discontinue certain features with reasonable notice

5. Subscriptions and Billing

5.1 Subscription Plans

• Free Plan: Limited features with usage restrictions
• Premium Plan: Full features with unlimited usage ($3.99/month)

5.2 Billing Terms

• Subscriptions are billed monthly in advance
• Payments are processed through app store billing systems
• Prices may vary by region and currency
• All fees are non-refundable except as required by law

5.3 Auto-Renewal and Cancellation

• Subscriptions automatically renew unless cancelled
• You can cancel anytime through your app store account settings
• Cancellation takes effect at the end of the current billing period
• No refunds for partial billing periods

5.4 Price Changes

• We may change subscription prices with 30 days notice
• Price changes apply to subsequent billing cycles
• You may cancel before price changes take effect

6. User Conduct and Responsibilities

6.1 Acceptable Use

You agree to use Billr AI only for legitimate expense tracking purposes. You must:

• Comply with all applicable laws and regulations
• Respect the rights of others
• Provide accurate information
• Use the Service responsibly and ethically

6.2 Prohibited Activities

You may not:

• Upload illegal, harmful, or inappropriate content
• Attempt to circumvent usage limitations
• Interfere with the Service's operation
• Violate any third-party rights
• Use the Service to commit fraud or illegal activities
• Spam or abuse our support systems

6.3 Content Guidelines

• Only scan legitimate bills and receipts you own or are authorized to process
• Do not scan documents containing sensitive personal information of others
• Ensure scanned content complies with privacy laws

6.4 Account Security

• Keep your account credentials secure and confidential
• Use strong passwords and enable available security features
• Notify us immediately of any suspected unauthorized access
• You are responsible for all activities under your account

7. Content and Data Ownership

7.1 Your Content

• You retain ownership of all bills, receipts, and expense data you input
• You grant us a limited license to process your content for Service functionality
• You are responsible for the accuracy and legality of your content
• You can delete your content at any time

7.2 Our Content

• We own all rights to the Billr AI application and Service
• Our trademarks, logos, and brand elements are our property
• AI-generated insights and categorizations are provided as-is

7.3 Data Processing

• Text extracted from your bills may be processed by Google Gemini AI
• We do not claim ownership of processed data
• Processed data is used solely to provide Service functionality

7.4 Backup and Export

• You are responsible for backing up your important data
• Premium users can export data in standard formats
• We may retain data for legal or operational purposes as outlined in our Privacy Policy

8. AI Services and Accuracy

8.1 AI Accuracy

• We aim for high accuracy but cannot guarantee 100% correctness
• You should review and verify all AI-processed data
• We are not liable for errors in AI interpretation
• Accuracy may vary based on image quality and bill format

8.2 Third-Party AI Services

• We use Google ML Kit and Gemini AI for processing
• These services are subject to their respective terms and availability
• We may change AI providers without notice
• AI service interruptions may affect app functionality

8.3 Data Verification

• Always verify extracted amounts and information
• Use original receipts for official record-keeping
• The Service is for tracking purposes, not legal documentation

8.4 AI Training and Improvement

• We may use aggregated, anonymized data to improve AI accuracy
• Personal identifiable information is not used for AI training
• You can opt out of data usage for improvement purposes

9. Privacy and Data Protection

Your privacy is important to us. Our data handling practices are governed by our Privacy Policy, which is incorporated into these Terms by reference.

9.1 Data Collection and Use

• We collect only necessary data to provide our Service
• Most data is stored locally on your device
• Limited data is shared with AI processing services
• We do not sell your personal information

9.2 Your Rights

• Access and export your data
• Request data deletion
• Control data sharing preferences
• Opt out of optional data collection

9.3 Data Security

• We implement industry-standard security measures
• Data transmission is encrypted
• Regular security audits and updates
• Prompt notification of any data breaches

9.4 International Data Transfers

• Data may be processed in various countries for AI services
• We ensure adequate protection for international transfers
• Compliance with applicable data protection laws

10. Intellectual Property

10.1 Our Intellectual Property

• Billr AI and all related technology are our property
• Our trademarks, service marks, and logos are protected
• All software, algorithms, and user interfaces are proprietary
• Third-party licenses are acknowledged separately

10.2 Respect for Third-Party Rights

• Do not infringe others' intellectual property rights
• Only scan documents you own or are authorized to process
• Report any suspected IP violations to us

10.3 DMCA Compliance

We respect intellectual property rights and comply with the Digital Millennium Copyright Act. If you believe your copyright has been infringed, please contact us with a proper DMCA notice.

10.4 User-Generated Content

• You retain rights to content you create or upload
• You grant us necessary rights to provide the Service
• We may remove content that violates these Terms

11. Disclaimers and Limitations

11.1 Service Disclaimers

• We do not guarantee continuous, error-free operation
• AI accuracy is not guaranteed
• The Service may not meet all your requirements
• Third-party service availability is not guaranteed

11.2 Financial and Tax Disclaimers

• Billr AI is not financial or tax advice
• Consult professionals for tax and accounting matters
• We are not responsible for tax compliance
• Verify all financial information independently

11.3 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR:

• Indirect, incidental, or consequential damages
• Loss of profits, data, or business opportunities
• Damages exceeding the amount paid for the Service
• Issues caused by third-party services or your device

11.4 Force Majeure

• We are not liable for delays or failures due to circumstances beyond our control
• This includes natural disasters, government actions, or network failures
• We will make reasonable efforts to restore service promptly

12. Indemnification

You agree to indemnify, defend, and hold harmless Billr AI, its officers, directors, employees, and agents from any claims, damages, losses, costs, or expenses arising from:

• Your use or misuse of the Service
• Your violation of these Terms
• Your violation of any third-party rights
• Any content you submit or process through the Service
• Your breach of any applicable laws or regulations

This indemnification obligation survives termination of these Terms and includes reasonable attorney's fees and court costs.

12.1 Defense of Claims

• We may assume exclusive defense of any claim subject to indemnification
• You must cooperate fully in the defense
• You may not settle claims without our prior written consent

13. Termination

13.1 Termination by You

• You may stop using the Service at any time
• Cancel subscriptions through app store settings
• Request account deletion through app settings
• Uninstall the app to remove local data

13.2 Termination by Us

We may suspend or terminate your access if you:

• Violate these Terms
• Engage in prohibited activities
• Fail to pay subscription fees
• Pose a security or legal risk

13.3 Effect of Termination

• Access to the Service will cease immediately
• Local data remains on your device until app deletion
• Cloud data will be deleted according to our Privacy Policy
• No refunds for unused subscription periods

13.4 Survival

• Sections regarding liability, indemnification, and intellectual property survive termination
• Payment obligations for services already provided remain due
• Data retention policies continue to apply

14. Governing Law and Dispute Resolution

14.1 Governing Law

These Terms are governed by the laws of [Your Jurisdiction] without regard to conflict of law principles. Any legal action must be brought in the courts of [Your Jurisdiction].

14.2 Dispute Resolution

• First, contact us to resolve issues informally
• Unresolved disputes may be subject to binding arbitration
• You may opt out of arbitration within 30 days of account creation
• Small claims court remains available for qualifying disputes

14.3 Class Action Waiver

You agree to resolve disputes individually and waive the right to participate in class actions or collective proceedings, except where prohibited by law.

14.4 Limitation Period

• Claims must be brought within one year of when they arise
• This limitation period applies regardless of applicable law
• Failure to bring timely claims results in permanent waiver

15. Changes to Terms

We may update these Terms from time to time to reflect:

• Changes in our Service features
• Legal or regulatory requirements
• Industry best practices
• User feedback and business needs

15.1 Your Options

• Review changes when notified
• Contact us with questions or concerns
• Discontinue use if you disagree with changes
• Cancel subscription before changes take effect

15.2 Material vs. Non-Material Changes

• Material changes require notice and may allow termination
• Non-material changes (like clarifications) may be made without notice
• We will clearly identify material changes in our communications

16. Contact Information

For questions about these Terms of Service or our Service, please contact us:

16.1 Response Times

• General inquiries: Within 48 hours
• Legal matters: Within 5 business days
• Support requests: Within 24 hours
• Emergency security issues: Within 2 hours