Terms of Service

Last updated: January 6, 2026

Welcome to Voice Spending. By using our mobile application, you agree to these Terms of Service. Please read them carefully.

1. Acceptance of Terms

By downloading, installing, or using Voice Spending, you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, please do not use the app.

2. Description of Service

Voice Spending is a personal finance tracking application that allows you to:

Record income and expenses using voice input or manual entry.
Categorize and organize your financial transactions.
View spending analytics and summaries.
Sync data across devices with a registered account.
Convert amounts between supported currencies (USD, EUR, GBP).

3. User Accounts

To access certain features, you may need to create an account. You are responsible for:

Maintaining the confidentiality of your account credentials.
All activities that occur under your account.
Providing accurate and complete registration information.
Notifying us immediately of any unauthorized use of your account.

4. Acceptable Use

You agree not to:

Use the app for any illegal or unauthorized purpose.
Attempt to gain unauthorized access to our systems or other users' accounts.
Interfere with or disrupt the service or servers.
Reverse engineer, decompile, or disassemble the application.
Use automated systems to access the service without permission.

5. User Content

You retain ownership of all transaction data and content you create in the app. By using our service, you grant us a limited license to store and process your data solely to provide the service to you.

6. Voice Input Feature

When using the voice input feature:

You consent to your voice being recorded and processed by third-party AI services.
Voice data is processed for transcription purposes only.
We do not guarantee 100% accuracy of voice transcription.
You should review and verify all transactions created via voice input.

7. Advertisements

Voice Spending displays advertisements through Google AdMob. By using the app, you agree to:

View advertisements as part of the free service.
AdMob's terms of service and privacy practices.

8. Financial Disclaimer

Voice Spending is a personal tracking tool and does not provide financial, investment, tax, or legal advice. We are not responsible for:

Financial decisions you make based on app data.
Accuracy of currency conversion rates (provided by third parties).
Any financial losses or damages.

Always consult qualified professionals for financial advice.

9. Data and Backups

While we strive to maintain reliable data storage:

We recommend keeping your own records of important transactions.
We are not liable for data loss due to technical issues or account deletion.
Cloud sync requires an active account and internet connection.

10. Service Availability

We strive to provide uninterrupted service but do not guarantee:

The service will be available at all times.
The service will be free from errors or bugs.
Uninterrupted access to cloud features.

We may modify, suspend, or discontinue any part of the service at any time.

11. Limitation of Liability

To the maximum extent permitted by law, Voice Spending and its developers shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the app.

12. Indemnification

You agree to indemnify and hold harmless Voice Spending and its developers from any claims, damages, or expenses arising from your use of the app or violation of these terms.

13. Changes to Terms

We may update these Terms of Service from time to time. Continued use of the app after changes constitutes acceptance of the new terms. We will notify users of significant changes.

14. Termination

We may terminate or suspend your account at any time for violations of these terms. You may delete your account at any time through the app or by contacting us.

15. Governing Law

These terms shall be governed by and construed in accordance with applicable laws, without regard to conflict of law principles.

16. Contact Us

If you have questions about these Terms of Service, please contact us at:

Email: support@voicespending.app