Terms of Service

1. Acceptance of Terms

By using Money Habit, you agree to be bound by these Terms and our Privacy Policy. We may update these terms occasionally. If we make significant changes, we will notify you through the app. Continued use after changes implies acceptance.

2. Service Description & "Offline First"

2.1 Core Services

Money Habit provides tools for:

• Tracking expenses, income, and transfers
• Budget management and wallet adjustments
• Data visualization (Weekly/Monthly/Yearly reports)
• AI Scanning: Extracting data from receipts and PDF statements (Premium feature)

2.2 Offline First Architecture

Money Habit is designed as an "Offline First" application using a local database (Drift). This means:

• The app functions fully without an internet connection.
• Synchronization: When online, your data syncs to our cloud database (Supabase) to enable multi-device usage.
• Conflict Resolution: If you edit the same data on two devices while offline, the latest sync will generally take precedence. We are not liable for data discrepancies caused by complex offline editing conflicts.

3. User Account

You may use Google Sign-In or Apple Sign-In to create an account. You are responsible for maintaining the security of your device and your account.

4. Subscriptions & Payments

4.1 Free Tier

Money Habit offers a robust free tier including unlimited transactions, unlimited categories, local backup, and basic reports. It is ad-free.

4.2 Premium (Pro) Subscription

For $1.99/month, users access Pro features including:

• AI Receipt/Statement Scanning (Credit limit applies)
• Recurring Transactions
• Unlimited Wallets & Sub-categories
• CSV Export
• Biometric Lock

4.3 Billing via RevenueCat

Payments are processed by the Apple App Store or Google Play Store, managed through our integration with RevenueCat.

• Renewal: Subscriptions automatically renew unless auto-renew is turned off at least 24 hours before the end of the current period.
• Cancellation: You must cancel your subscription through your Apple ID or Google Play Account settings. Deleting the app does not cancel your subscription.
• Refunds: All refund requests must be directed to Apple or Google directly, as we do not process payments or hold your credit card data.

5. AI Features Disclaimer

Our AI Scan feature uses machine learning to extract text and numbers from your uploaded receipts or PDFs.

6. User Data & Backups

6.1 Local Backup (Google Drive)

We provide a feature allowing you to back up your local database to your personal Google Drive. This is a user-initiated process.

• You are responsible for ensuring your Google Drive has sufficient storage.
• Money Habit is not responsible for data loss if you fail to perform backups or if you delete the backup files from your Drive.

6.2 Data Export

You may export your data to CSV (Pro feature) at any time. We strongly recommend doing this periodically.

7. Prohibited Activities

You agree not to:

• Upload illegal, offensive, or malicious content via the receipt scanner.
• Attempt to reverse engineer the app's code.
• Use the app for money laundering or illegal financial tracking.

8. Third-Party Services

Money Habit utilizes the following third-party services:

• Supabase: For cloud database and authentication.
• RevenueCat: For handling subscription infrastructure.
• Google/Apple: For sign-in and payment processing.

9. Limitation of Liability

Money Habit is provided "AS IS". We do not offer financial advice. To the maximum extent permitted by law, Money Habit and its developers shall not be liable for any indirect, incidental, or consequential damages, including loss of data or financial loss resulting from reliance on the app's calculations or AI scanning.

10. Governing Law

These Terms shall be governed by the laws of Indonesia. Any disputes arising from these Terms shall be resolved in the courts located in Semarang, Central Java.