VoiceSpend Terms & Conditions.

1 Acceptance of Terms

By downloading, installing, accessing, or using the VoiceSpend mobile application ("App") or accessing the voicespend.ai web services, you agree to be legally bound by these Terms and Conditions ("Terms"). If you do not agree with any provision of these Terms, you must immediately cease accessing or using the App.

These Terms constitute a legally binding contract between you ("User" or "you") and BWJ Tech Solutions Private Limited ("we", "our", or "us").

2 Description of Service

VoiceSpend is an intelligent personal finance and expense tracking platform engineered to streamline financial tracking. The service enables users to:

• Capture and automatically categorize expenses through conversational voice input, smart receipt OCR scanning, and manual entry.
• Establish and monitor monthly category budgets with real-time alert thresholds.
• Synchronize financial logs securely across multiple authorized devices.
• Visualize spending trends through interactive analytics and categorical charts.
• Export ledger history into standardized CSV and PDF formats for personal or accounting use.
• Manage subscriptions for premium feature unlocks (VoiceSpend Pro and Max).

3 Account Registration and Eligibility

• You must provide accurate, current, and complete details when creating an account.
• You are strictly responsible for maintaining the confidentiality and security of your account credentials.
• You must be at least 13 years of age (or 18 years where required under local applicable law) to register and use the App.
• You are solely accountable for all activities, entries, and transactions occurring under your account.
• You agree to notify us immediately at support@bwjts.net if you suspect any unauthorized access or breach of your account.

4 Subscriptions, Billing, and No Refund Policy

4.1 Free Forever Tier

VoiceSpend provides a free tier with core expense logging capabilities and limited monthly AI voice/OCR allowances as specified within the App interface.

4.2 Paid Subscriptions (Pro & Max)

Premium capabilities (including unlimited AI voice entries, camera OCR receipt scanning, cloud sync, and CSV/PDF ledger export) are accessible via monthly or annual subscription plans billed directly through:

• Apple App Store (for iOS users)
• Google Play Store (for Android users)

All subscription purchases are governed by the payment processing agreements and policies of the respective store platform.

4.3 Billing and Auto-Renewal

• Subscriptions automatically renew at the conclusion of each billing period unless cancelled by the user at least 24 hours prior to renewal.
• You authorize Apple or Google Play to charge the applicable subscription fee to your stored payment instrument.
• Regional pricing is shown within the App prior to confirmation and may vary by territory and taxes.

4.4 Strict No Refund Policy

Any refund dispute or exception request must be directed directly to the Apple App Store or Google Play Store under their statutory refund frameworks. BWJ Tech Solutions Private Limited does not possess the technical or financial capability to reverse store-level transactions.

4.5 Cancellation Process

• You may cancel your subscription at any moment via your device's Apple ID Subscriptions (iOS) or Google Play Subscriptions (Android) dashboard.
• Cancellation halts future renewals. You retain full access to all premium features until the end of your current paid billing cycle.

5 Acceptable Use Policy

You agree to use VoiceSpend solely for lawful personal or organizational bookkeeping. You specifically agree NOT to:

• Reverse-engineer, decompile, disassemble, or derive the source code of the mobile application or proprietary AI parsing algorithms.
• Deploy automated scrapers, crawlers, bots, or unauthorized API scripts against our infrastructure.
• Circumvent or tamper with subscription validation checks or feature entitlements.
• Upload malicious files, exploit payloads, or illegal invoice imagery.
• Resell, lease, sublicense, or share your account credentials with unauthorized third parties.

We reserve the right to immediately terminate or suspend access for accounts violating these acceptable use terms without prior notice.

6 Intellectual Property Rights

• The VoiceSpend trademark, brand identity, user interface designs, software code, proprietary AI models, and website content are the exclusive intellectual property of BWJ Tech Solutions Private Limited.
• You are granted a revocable, non-exclusive, non-transferable, limited license to install and run the App on personal mobile devices.
• You retain 100% ownership of your financial data: Any expense logs, receipt photographs, and category entries you input remain your property. You grant us only the limited technical license required to process, store, and display this data back to you.

7 Third-Party Integrations

The service utilizes vetted third-party technologies including Google Firebase (backend infrastructure and push notifications) and RevenueCat (subscription entitlement management). Your use of features reliant on these third parties is subject to their respective terms. We do not assume liability for unexpected third-party provider outages.

8 Data Privacy Compliance

Your use of the App is concurrently governed by our Privacy Policy, which is incorporated into these Terms by reference. We uphold strict adherence to India’s DPDP Act (2023) and global zero-data-monetization standards.

9 Disclaimers and Professional Advice Limitation

• Informational Tool Only: VoiceSpend is a productivity and budgeting application. It does not provide certified financial, investment, legal, or tax advice.
• AI Parsing Accuracy: Voice-to-text recognition and optical character recognition (OCR) operate with advanced machine learning models but are not infallible. You are encouraged to review extracted amounts and merchant names before final confirmation.
• "As Is" Service: The application is delivered on an "as is" and "as available" basis without express or implied warranties regarding uninterrupted uptime or error-free execution.

10 Limitation of Liability

To the maximum extent permissible under applicable Indian law:

• BWJ Tech Solutions Private Limited and its directors, employees, and affiliates shall not be liable for any indirect, incidental, special, exemplary, or consequential damages (including lost profits, tax calculation errors, or data loss) resulting from the use or inability to use VoiceSpend.
• Our aggregate cumulative liability for any and all claims arising out of or relating to these Terms shall not exceed the total amount paid by you to VoiceSpend in the three (3) months preceding the incident.

11 Indemnification

You agree to indemnify, defend, and hold harmless BWJ Tech Solutions Private Limited, its officers, employees, and contractors against any claims, losses, liabilities, damages, and legal costs arising out of your misuse of the App, breach of these Terms, or infringement of third-party rights.

12 Account Termination

12.1 Termination by You

You may terminate your account at any moment through the in-app account deletion setting or by contacting support@bwjts.net. Account termination permanently initiates data deletion within 30 days.

12.2 Termination by Us

We may suspend or terminate your account without prior notice if you breach these Terms, commit fraudulent activity, or if required by court order or law. Account termination due to terms violations does not entitle you to subscription refunds.

13 Modifications to Terms

We reserve the right to revise or modify these Terms as our software evolves. Changes will be posted with an updated "Last Updated" timestamp. Material changes will be communicated via in-app banner or email. Continued use of VoiceSpend following revisions indicates your assent.

14 Governing Law and Dispute Jurisdiction

These Terms shall be interpreted and governed exclusively by the laws of India, without regard to conflicts of law principles. Any legal suit, action, or proceeding arising out of or related to these Terms shall be instituted exclusively in the competent courts located in Hyderabad, Telangana, India.

15 Severability

If any clause of these Terms is deemed unlawful, invalid, or unenforceable by an authoritative court, that specific provision shall be limited or eliminated to the minimum extent necessary, and all remaining provisions shall remain in full force and effect.

16 Entire Agreement

These Terms and Conditions, together with our Privacy Policy, constitute the complete and exclusive agreement between you and BWJ Tech Solutions Private Limited concerning VoiceSpend, superseding all prior oral or written agreements.

17 Contact Information

If you have any questions, legal notices, or feedback regarding these Terms, please contact our legal and support desk:

BWJ Tech Solutions Private Limited
Hyderabad, Telangana, India
Legal Desk: support@bwjts.net
Website: https://voicespend.ai