Expense Tracker from SMS
Terms & Conditions
Last Updated: July 28, 2026
Welcome to Expense Tracker from SMS.
These Terms and Conditions ("Terms") govern your access to and use of Expense Tracker from SMS.
By downloading, installing, accessing, or using the App, you agree to these Terms. If you do not agree, please do not use the App.
1. About the App
Expense Tracker from SMS is designed to organise supported transaction SMS messages and help users understand their financial activity.
Features may include:
- SMS transaction organisation
- Income tracking
- Expense tracking
- Credit and debit summaries
- Daily spending insights
- Weekly reports
- Monthly reports
- Yearly reports
- Transaction history
- Spending charts
- Dark and light themes
2. Not a Bank or Financial Institution
The App does not control your bank accounts or execute financial transactions on your behalf.
3. Information Accuracy
The App may automatically identify transaction information from supported SMS messages.
Automatic processing may occasionally:
- Misidentify a transaction
- Miss a transaction
- Display an incorrect amount
- Categorise a transaction incorrectly
- Fail to recognise certain SMS formats
You should not rely solely on the App to determine your official bank balance, financial position, tax obligations, accounting records, or payment status.
Always verify important financial information using your official bank or financial institution records.
4. SMS Access
Certain features require access to supported SMS messages.
By granting SMS permission, you authorise the App to access and process SMS information as described in our Privacy Policy.
You may revoke this permission through your device settings. Transaction detection features may stop working if SMS access is disabled.
5. User Responsibilities
You agree not to:
- Misuse the App
- Use the App for fraudulent or illegal activities
- Attempt to gain unauthorised access to related systems
- Interfere with the operation or security of the App
- Attempt to circumvent premium feature restrictions
- Reverse engineer the App except where permitted by applicable law
6. Advertisements
The App may display advertisements provided through third-party advertising services such as Google.
Advertising availability, frequency, placement, and format may change over time.
We are not responsible for products, services, websites, or content offered by third-party advertisers.
7. In-App Purchases
The App may offer premium features, subscriptions, or other in-app purchases.
Purchases made through Google Play are processed by Google and are subject to Google's applicable payment terms.
8. Subscriptions
If the App offers subscriptions, subscriptions may automatically renew unless cancelled according to Google Play's subscription rules.
You can manage or cancel subscriptions through your Google Play account.
9. Refunds
Payments and refund requests for purchases made through Google Play are generally handled according to Google Play's applicable refund policies.
We do not guarantee that any refund request will be approved.
10. Third-Party Services
The App may integrate services including:
- Google Play Services
- Google Mobile Ads
- Google Analytics for Firebase
- Google Play Billing
Your use of these services may also be subject to the terms and policies of their respective providers.
11. Privacy
Our handling of information is described in our Privacy Policy.
By using the App, you acknowledge that you have reviewed the Privacy Policy.
12. Intellectual Property
Unless otherwise stated, the App, its original design, software, graphics, branding, text, and other original materials are owned by or licensed to us and are protected by applicable intellectual property laws.
13. Service Availability
We aim to keep the App available and functional but cannot guarantee uninterrupted or error-free operation.
Features may occasionally be unavailable due to:
- Maintenance
- Technical problems
- Device compatibility
- Operating system changes
- Third-party service interruptions
- Network problems
- Legal or policy requirements
14. Disclaimer
The App and its information are provided on an "as is" and "as available" basis to the extent permitted by applicable law.
Reports, charts, summaries, transaction classifications, and calculations are provided for informational and organisational purposes only.
They should not be considered professional financial, investment, tax, legal, or accounting advice.
15. Limitation of Liability
To the maximum extent permitted by applicable law, we will not be liable for indirect, incidental, special, consequential, or similar damages resulting from your use of or inability to use the App.
This includes losses resulting from reliance on automatically detected, calculated, or categorised transaction information.
16. Termination
You may stop using the App at any time by uninstalling it.
We may restrict access to certain services where reasonably necessary due to misuse, fraud, security concerns, legal requirements, or violations of these Terms.
17. Changes to the App
Updates may:
- Add new features
- Modify or remove existing features
- Improve performance
- Fix bugs
- Improve security
- Change third-party integrations
- Address legal or policy requirements
18. Changes to These Terms
We may update these Terms from time to time.
The "Last Updated" date will be changed whenever these Terms are revised.
19. Governing Law
These Terms are governed by applicable laws and regulations.
Nothing in these Terms limits mandatory consumer rights or protections available to you under applicable law.
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