Last updated: June 23, 2026 · By using Xpenvo you agree to these terms
These Terms govern your use of Xpenvo, an AI-powered personal finance application available on web, Android, and iOS. Please read them carefully before using the service. These Terms, together with our Privacy Policy, form the complete agreement between you and Xpenvo.
Not Financial Advice: Xpenvo and Zara provide informational tools only. Nothing in this app constitutes professional financial, investment, tax, or legal advice. Always consult a qualified professional before making financial decisions.
These Terms of Service ("Terms") are a legally binding agreement between you ("you" or "User") and Xpenvo ("Xpenvo," "we," "us," or "our"), governing your access to and use of the Xpenvo application available on the web, Google Play Store, and Apple App Store, and all related features and services (collectively, the "Services").
By creating an account, installing the app, or using any part of the Services, you confirm that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated by reference. If you do not agree, you must stop using the Services immediately.
Xpenvo is an independent project operated globally. It has not yet been incorporated as a registered legal entity. These Terms are nonetheless fully enforceable as a contract between you and the operator of Xpenvo.
Xpenvo is an AI-powered personal finance application. The Services include: transaction tracking and categorisation, budget management, savings goals, debt and subscription management, net worth tracking, AI-powered financial coaching through Zara (powered by Anthropic's Claude), receipt scanning via AI vision, voice-enabled data entry, financial health scoring, cash flow forecasting, bill calendar, financial analytics and reports, financial DNA analysis, payday mode, challenges, invoice tracking, multiple wallet management, expense splitting, and financial calculators.
Feature availability depends on your subscription plan. Free users have access to core features with limited AI usage. Beta users have access to all current Pro features. Pro users have full access to all features.
We reserve the right to add, modify, suspend, or discontinue any feature or aspect of the Services at any time. Where changes are material we will provide reasonable advance notice.
Future Features: Xpenvo may introduce additional financial tools and data features over time (such as tax tracking, investment tracking, or additional wallet types). When new features are introduced, they will be covered by these Terms unless we notify you of a specific amendment.
You must be at least 16 years old to use Xpenvo. In the United States, users aged 13–15 may use the Services with verifiable parental or guardian consent in compliance with COPPA. In some EU member states the minimum age may be higher than 16.
By using the Services you represent that you meet the applicable age requirement for your jurisdiction and that you have the legal capacity to enter into a binding agreement.
If you are a parent or guardian providing consent for a minor between 13 and 15 (in permitted jurisdictions), you accept full responsibility for the minor's use of the Services and compliance with these Terms.
We reserve the right to suspend or terminate any account we believe is held by a person below the applicable minimum age.
To access most features you must create an account using a valid email address and password. You agree to provide accurate and current information and to update it promptly if it changes.
One Account Per Person: You may only hold one Xpenvo account. Creating multiple accounts to exploit usage limits, plan benefits, referral schemes, or affiliate commissions is strictly prohibited and will result in termination of all associated accounts.
You are responsible for keeping your password confidential and for all activity that occurs under your account. Notify us immediately at [email protected] if you suspect unauthorised access.
Sessions automatically expire after 30 minutes of inactivity to protect your financial data. You should always sign out on shared devices.
We are not liable for any loss arising from your failure to maintain the security of your account credentials.
Plan Overview: Xpenvo offers three active tiers: Free (core features, 5 AI actions/day, 3 scans/day), Beta (all Pro features, 200 AI actions/day, 25 scans/day — by invitation, at no charge), and Pro (all features, 200 AI actions/day, 50 scans/day — paid). AI action limits reset at midnight UTC. We reserve the right to adjust these limits with reasonable advance notice.
Billing: Paid Pro subscriptions are processed by Dodo Payments. By subscribing you authorise us to charge your chosen payment method on a recurring basis at the start of each billing cycle (monthly or annual, as selected). Current pricing is displayed in the app and on our website. Prices may change with at least 30 days' prior notice by email.
We do not receive, store, or process your payment card details. All payment data is handled exclusively by Dodo Payments under their own PCI-DSS compliant infrastructure.
Auto-Renewal & Cancellation: Subscriptions renew automatically until cancelled. You may cancel at any time through your account settings or by contacting [email protected]. Cancellation takes effect at the end of the current billing period; access to Pro features continues until that date.
Refunds: New subscribers may request a full refund within 7 days of their first paid subscription if they are dissatisfied and have not made significant use of Pro features. Annual subscribers may request a prorated refund within 30 days of purchase or renewal under the same condition. Purchases made through the Apple App Store or Google Play Store are subject to those platforms' refund policies. We are not obligated to issue refunds outside these windows except where required by applicable law.
Taxes: Subscription prices may exclude applicable taxes (VAT, GST, sales tax). Where applicable, taxes are displayed at checkout and collected by Dodo Payments. You are responsible for all taxes arising from your subscription in your jurisdiction.
Zara is Xpenvo's AI financial coach, powered by Anthropic's Claude large language model. When you interact with Zara, your message and a summary of your financial context are transmitted over an encrypted connection to Anthropic's API and a response is generated and stored in your chat history.
Receipt Scanner: When you scan a receipt, the image is encrypted on your device and transmitted to our backend which forwards it to Anthropic's vision API for data extraction. Extracted fields (merchant, amount, date, category) are stored as a transaction. Raw images are not stored on Xpenvo's servers.
AI Usage Limits: AI features are subject to daily usage limits based on your plan (see Section 5). Attempting to circumvent these limits by any means — including creating multiple accounts, script automation, or API manipulation — is a material breach of these Terms and will result in account termination.
AI Availability: AI features depend on the availability of Anthropic's API and our own infrastructure. We do not guarantee uninterrupted AI availability. During outages or maintenance, AI features may be temporarily unavailable without affecting your subscription entitlement.
No Warranty on AI Output: AI responses are generated by a probabilistic model and may contain errors, omissions, or outdated information. You should independently verify any information provided by Zara before acting on it.
IMPORTANT — PLEASE READ: THE SERVICES, INCLUDING ALL AI-GENERATED CONTENT PRODUCED BY ZARA, ARE FOR INFORMATIONAL AND EDUCATIONAL PURPOSES ONLY. NOTHING IN THE SERVICES CONSTITUTES PROFESSIONAL FINANCIAL, INVESTMENT, TAX, LEGAL, ACCOUNTING, OR ANY OTHER REGULATED PROFESSIONAL ADVICE.
Xpenvo is not a licensed financial adviser, investment adviser, broker, bank, or any other regulated financial institution. Zara's insights, reports, health scores, and recommendations are based solely on data you have entered into the app and are generated by an AI model — they do not account for your complete financial situation, risk tolerance, tax obligations, or jurisdiction-specific regulations.
You should always consult a qualified and licensed financial, legal, or tax professional before making any significant financial decision. Xpenvo expressly disclaims all responsibility for financial decisions you make based on or influenced by information provided through the Services.
Beta access is provided by invitation at no charge and gives users access to all current Pro features, including 200 AI actions/day and 25 receipt scans/day. Beta access is provided "as is" for the purpose of testing and feedback and may be revoked at any time at our sole discretion, with or without notice.
Beta users acknowledge that the Services are in active development and may contain bugs, errors, or incomplete features. By using the service during the beta period you accept this risk.
At the conclusion of the beta period, beta access will either be converted to a paid Pro subscription (with advance notice of pricing) or downgraded to the Free plan. We will give beta users at least 14 days' written notice before any such change.
Feedback from beta users may be incorporated into the product at our discretion. Providing feedback does not entitle you to any compensation, continued access, or ownership rights.
These Terms apply in full to beta users. The limitation of liability, disclaimer, and indemnification provisions apply to beta access equally.
Xpenvo operates a SaaS affiliate programme that allows participants to earn commissions by referring new paying subscribers. Participation in the affiliate programme is subject to a separate Affiliate Programme Agreement that governs commission rates, payout terms, and eligible referral methods.
By participating in the affiliate programme you agree not to: use spam, misleading advertising, or black-hat marketing tactics; misrepresent Xpenvo's features, pricing, or capabilities; create fake accounts to generate fraudulent conversions; or violate any applicable advertising or consumer protection law.
Xpenvo reserves the right to withhold or reverse commissions for referrals obtained through fraudulent or prohibited means and to terminate affiliate access at any time for violations.
Affiliate relationships are disclosed in marketing materials in compliance with FTC guidelines (USA), ASA standards (UK), and equivalent regulations in other jurisdictions.
You agree not to use the Services to: violate any applicable law or regulation; infringe any third party's intellectual property or privacy rights; upload harmful, defamatory, harassing, obscene, or fraudulent content; attempt to reverse-engineer, decompile, or extract source code from the app; probe or attack the security of any Xpenvo system or network; use automated bots, scrapers, or scripts to access or abuse the Services; create multiple accounts to exploit limits or programmes; impersonate any person or entity; or interfere with the Services' infrastructure.
We reserve the right to investigate suspected violations and to suspend or terminate accounts without notice where we reasonably believe a serious breach has occurred.
The split expense feature allows you to create shared expense records and generate shareable links. Anyone with a split link can view the split details. You are solely responsible for sharing these links only with intended recipients. Xpenvo is not responsible for unauthorised access resulting from your distribution of split links.
Split links do not require the recipient to have a Xpenvo account. Expense amounts and descriptions included in split records are visible to anyone with the link.
Our IP: All software, algorithms, designs, interfaces, branding, logos, trademarks, and text comprising the Services are owned by or licensed to Xpenvo and protected by applicable intellectual property law. You may not copy, distribute, or create derivative works from any part of the Services without our express written permission.
Your Data: You retain full ownership of all financial data and content you create and enter into the app. You grant Xpenvo a limited, non-exclusive, worldwide, royalty-free licence to access and process your content solely to provide and improve the Services.
AI-Generated Content: Insights, reports, and other content generated by Zara within your account are provided for your personal use within the Services. Xpenvo retains no ownership claim over AI outputs generated specifically for you, but does not warrant their accuracy or fitness for any particular purpose.
Feedback: Any feedback, suggestions, or ideas you provide to us about the Services may be used by us freely without any obligation to you.
THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE FROM HARMFUL COMPONENTS.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, XPENVO AND ITS OPERATORS SHALL NOT BE LIABLE FOR: ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES; ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS; ANY FINANCIAL LOSSES ARISING FROM DECISIONS MADE BASED ON AI-GENERATED CONTENT; ANY UNAUTHORISED ACCESS TO OR ALTERATION OF YOUR DATA; OR ANY OTHER MATTER RELATING TO THE SERVICES — WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY.
OUR TOTAL AGGREGATE LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES IS LIMITED TO THE GREATER OF: (A) THE AMOUNT YOU PAID TO XPENVO IN THE 12 MONTHS PRECEDING THE CLAIM, OR (B) USD $50.
Some jurisdictions do not permit certain liability exclusions for consumers. In those jurisdictions, our liability is limited only to the extent permitted by applicable law and the above limitations may not apply in full.
To the maximum extent permitted by applicable law, you agree to defend, indemnify, and hold harmless Xpenvo and its operators from and against all claims, damages, liabilities, costs, and expenses (including reasonable legal fees) arising from: your use of or inability to use the Services; your breach of these Terms; your violation of any third-party rights; your violation of any applicable law; any content or data you submit to the Services; or any dispute between you and any third party relating to your use of the Services.
By You: You may delete your account at any time through Settings or by contacting [email protected]. Account deletion permanently removes your data within 30 days. Active subscriptions must be separately cancelled to stop future billing.
By Xpenvo: We may suspend or terminate your access immediately if you: breach these Terms; engage in fraudulent or illegal activity; fail to pay subscription fees; or pose a risk to other users or our infrastructure. We will provide notice where legally required or practicable.
On Termination: Your right to use the Services ceases immediately. Data deletion follows our Privacy Policy retention schedule. Provisions that by their nature survive termination (including Sections 7, 12, 13, 14, 16, and 17) continue in force.
These Terms are governed by applicable law, subject to mandatory consumer protection laws of your country of residence that may provide you with additional protections that cannot be waived by contract.
Informal Resolution: Before initiating any formal legal proceeding, you agree to contact us at [email protected] and attempt to resolve the dispute informally within 60 days.
EU Users: If you are an EU consumer you may submit a complaint to the European Online Dispute Resolution platform: ec.europa.eu/consumers/odr. Nothing in these Terms limits your right to bring a dispute before your local courts.
Class Action: Where permitted by applicable law, you agree to bring any claim on an individual basis only. This waiver does not apply where prohibited by law (including in the EU, UK, and Australia).
Where no jurisdiction is specified, disputes shall be resolved in a jurisdiction mutually agreed between the parties or, failing that, a jurisdiction determined by a court of competent authority.
Changes to Terms: We may update these Terms at any time. For material changes we will notify you by email and/or in-app notice at least 14 days before the changes take effect. Continued use of the Services after that date constitutes acceptance.
Force Majeure: We are not liable for delays or failures caused by events beyond our reasonable control, including Anthropic, Supabase, Dodo Payments, or Cloudflare outages, natural disasters, government actions, or internet disruptions.
Severability: If any provision of these Terms is found unenforceable, it will be modified to the minimum extent necessary to make it enforceable; all other provisions remain in full effect.
Entire Agreement: These Terms, together with the Privacy Policy and any separate programme agreements (e.g. Affiliate Programme Agreement), constitute the entire agreement between you and Xpenvo regarding the Services.
No Waiver: Our failure to enforce any right or provision does not constitute a waiver unless explicitly acknowledged in writing.
Contact: For all inquiries — support, legal, privacy, or general — contact us at [email protected]. We aim to respond within 5 business days.
