Terms of Service

1. Acceptance of Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you ("you" or "User") and AppsVanta ("we," "our," or "us"), governing your access to and use of the Snap Receipt mobile application, web application, and all related services (collectively, the "Service").

By downloading, installing, accessing, or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree, you must not access or use the Service.

You represent that you are at least 16 years of age (or the applicable age of digital consent in your jurisdiction) and have the legal capacity to enter into these Terms. If you are using the Service on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.

2. Description of the Service

Snap Receipt is an AI-powered expense tracking application that enables users to:

• Upload receipt images via camera, document scanner, or file picker
• Automatically extract and categorize expense data using artificial intelligence
• Track spending across categories with visual dashboards and insights
• Set and monitor budgets with configurable alerts
• Detect and track recurring subscriptions
• Generate AI-powered shopping lists based on purchase history
• Receive monthly spending reports and category analysis
• Share accounts and spending data with other users

The Service is provided on an "as available" basis. We reserve the right to modify, suspend, or discontinue any part of the Service — including any features, content, or functionality — at any time, with or without notice and for any reason. We may also impose limits on certain features or restrict your access to parts or all of the Service without notice or liability. We shall not be liable to you or any third party for any modification, price change, suspension, or discontinuation of the Service.

We do not guarantee any specific level of availability, uptime, or performance. Scheduled and unscheduled maintenance, updates, or outages may occur at any time.

3. Accounts & Registration

3.1 Account Creation

You may begin using the Service anonymously without providing personal identifiers. To access the full features of the Service, you may register an account using your email address or phone number. You may later convert an anonymous account to a registered account.

3.2 Account Security

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to:

• Provide accurate and complete information during registration
• Keep your login credentials secure and confidential
• Notify us immediately of any unauthorized access to or use of your account
• Not share your account or credentials with any third party

We are not liable for any loss or damage arising from your failure to maintain the security of your account.

3.3 Shared Accounts

The Service allows you to create shared accounts and invite other users. As the account owner, you are responsible for managing member access and permissions. You acknowledge that members of a shared account may view receipts, expenses, and other data within that account.

4. Subscriptions & Payments

4.1 Free and Paid Plans

The Service offers both free and paid subscription plans. Free plans provide access to a limited set of features and may include usage limits (e.g., number of receipt scans per month). Paid plans unlock additional features and higher usage limits. We reserve the right to change, limit, or discontinue free plan features at any time without notice. Features currently available on free plans are not guaranteed to remain free.

4.2 Billing

Paid subscriptions are billed through the Apple App Store or Google Play Store (each, a "Store"). All billing, payment processing, and refund handling are managed by the applicable Store. By subscribing to a paid plan, you agree to the pricing and payment terms presented to you at the time of purchase, as well as the applicable Store's terms of service.

4.3 Auto-Renewal

Paid subscriptions automatically renew at the end of each billing period (monthly) unless you cancel before the renewal date. You may cancel your subscription at any time through your Store account settings. Cancellation takes effect at the end of the current billing period — you will retain access to paid features until then.

4.4 Price Changes

We reserve the right to change subscription pricing. Any price changes will be communicated in advance and will take effect at the start of the next billing period after the change. Your continued subscription after a price change constitutes acceptance of the new pricing.

4.5 No Refunds

ALL SUBSCRIPTION FEES ARE NON-REFUNDABLE EXCEPT AS EXPRESSLY REQUIRED BY APPLICABLE LAW. We do not process refunds directly. Refund requests, if any, are handled exclusively by the applicable Store in accordance with their policies, and we have no obligation to issue or facilitate refunds. Dissatisfaction with the Service, AI accuracy, or feature changes does not entitle you to a refund.

5. User Content & Licenses

5.1 Your Content

"User Content" means any content you upload, submit, or transmit through the Service, including but not limited to receipt images, manually entered expense data, budget configurations, shopping list items, account information, and profile data.

You retain all ownership rights in your User Content. We do not claim ownership of any content you submit to the Service.

5.2 License to Us

By submitting User Content, you grant us a worldwide, non-exclusive, royalty-free, fully sublicensable, transferable license to use, process, store, reproduce, modify, adapt, and display your User Content for the purposes of:

• Operating, providing, and improving the Service
• Processing your receipts through AI to extract expense data
• Generating insights, reports, and recommendations based on your data
• Delivering notifications and alerts you have configured
• Maintaining backups and ensuring data integrity
• Developing, testing, and improving our AI models, algorithms, and features using anonymized or aggregated data derived from your User Content
• Producing anonymized, aggregated analytics and benchmarks that do not identify you

The license for identifiable User Content terminates when you delete your User Content or your account, except to the extent required for backup, legal compliance, or legitimate business purposes (e.g., resolving disputes). The license for anonymized and aggregated data derived from your User Content survives termination and is perpetual and irrevocable.

5.3 Anonymized & Aggregated Data

We may create anonymized, de-identified, or aggregated data from your User Content and usage of the Service ("Aggregated Data"). Aggregated Data is not considered User Content or personal data and may be used by us for any lawful purpose, including product improvement, research, analytics, benchmarking, and marketing, without restriction or obligation to you.

5.4 Your Responsibilities

You represent and warrant that:

• You own or have the necessary rights to submit all User Content
• Your User Content does not infringe any third party's intellectual property, privacy, or other rights
• Your User Content does not contain malicious code, viruses, or harmful material
• Your receipt images are genuine and reflect actual transactions

6. AI-Powered Features

6.1 Nature of AI Processing

The Service uses artificial intelligence to extract data from receipt images, categorize expenses, detect subscriptions, generate spending insights, create shopping lists, and produce monthly reports. These AI-powered features are provided as automated tools to assist you.

6.2 Accuracy Disclaimer

AI-generated results are provided on a "best effort" basis and may contain errors, inaccuracies, or omissions. Specifically:

• Receipt data extraction (merchant names, amounts, items, dates) may be incorrect or incomplete
• Expense categorization is automated and may not reflect your intended classification
• Subscription detection may produce false positives or miss actual subscriptions
• Shopping list suggestions are based on historical patterns and may not match your current needs
• Spending insights and reports are approximations and should not be relied upon as financial advice

6.3 Editing AI Results

You may manually edit, correct, or override any AI-generated data within the app. We encourage you to review extracted receipt details and correct any inaccuracies.

6.4 Assumption of Risk

YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT YOUR USE OF AI-POWERED FEATURES IS AT YOUR SOLE RISK. You assume full responsibility for any decisions, actions, or omissions based on AI-generated data, including but not limited to financial decisions, tax filings, budgeting, and accounting. We shall have no liability whatsoever for any losses, damages, or penalties arising from your reliance on AI-generated content.

6.5 Third-Party AI Processing

Receipt images and associated data are transmitted to third-party AI providers, currently OpenAI and Google AI, for receipt extraction and categorization. To maintain accuracy and quality, we may also use other comparable enterprise AI providers from time to time. These providers process your data solely to perform the extraction and, under their API terms, do not use your data to train their models. We are not responsible for the acts or omissions of these third-party AI providers. Before your first upload, the app obtains your explicit consent for this sharing. Please refer to our Privacy Policy for full details, including links to each provider's terms.

6.6 No Guarantee of AI Availability

AI features depend on third-party services and may be modified, degraded, or discontinued at any time without notice. Changes in AI provider capabilities, pricing, or availability may affect Service functionality. We are not obligated to maintain any specific AI feature or level of accuracy.

7. Acceptable Use

You agree not to use the Service to:

• Violate any applicable law, regulation, or third-party rights
• Upload fraudulent, falsified, or counterfeit receipt images
• Submit content that is illegal, defamatory, obscene, or otherwise objectionable
• Attempt to gain unauthorized access to the Service, other accounts, or our systems
• Reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code of the Service
• Use the Service to develop a competing product or service
• Interfere with or disrupt the Service or servers or networks connected to the Service
• Use automated means (bots, scrapers, crawlers) to access the Service without our express written consent
• Circumvent any usage limits, access controls, or security measures
• Upload content containing malware, viruses, or any harmful code
• Use the Service for money laundering, tax evasion, fraud, or any other illegal financial activity
• Resell, redistribute, or sublicense access to the Service

We reserve the right to suspend or terminate your account if we reasonably believe you have violated these acceptable use terms, with or without prior notice.

8. Intellectual Property

8.1 Our Property

The Service, including its design, features, functionality, software, text, graphics, logos, icons, and all related intellectual property, is owned by AppsVanta and is protected by copyright, trademark, and other intellectual property laws. These Terms do not grant you any right, title, or interest in the Service except for the limited license to use it as described herein.

8.2 Limited License

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to download, install, and use the Service on your personal devices for your personal or internal business purposes.

8.3 Feedback

If you provide us with feedback, suggestions, or ideas about the Service ("Feedback"), you grant us an unrestricted, irrevocable, worldwide, royalty-free license to use, modify, and incorporate such Feedback into the Service without any obligation to you.

8.4 Trademarks

"Snap Receipt," the Snap Receipt logo, and all related names, logos, product and service names, designs, and slogans are trademarks of AppsVanta. You may not use such marks without our prior written permission.

9. Disclaimers

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

Without limiting the foregoing, we do not warrant that:

• The Service will be uninterrupted, timely, secure, or error-free
• The results obtained from using the Service (including AI-generated data) will be accurate, reliable, or complete
• The Service will meet your requirements or expectations
• Any errors in the Service will be corrected
• The Service is free of viruses or other harmful components

9.1 Not Financial Advice

The Service is an expense tracking and organizational tool. Nothing in the Service constitutes financial, tax, investment, legal, or accounting advice. The insights, reports, budget suggestions, and categorizations provided by the Service are for informational purposes only. You should consult qualified professionals for financial, tax, or accounting decisions.

9.2 Third-Party Services

The Service may integrate with or rely on third-party services (e.g., app stores, notification delivery, AI processing, cloud infrastructure). We are not responsible for the availability, accuracy, or performance of any third-party services. Any disruption, data loss, or error caused by a third-party service is not our responsibility.

9.3 Data Accuracy

WE MAKE NO REPRESENTATIONS OR WARRANTIES REGARDING THE ACCURACY, COMPLETENESS, OR RELIABILITY OF ANY DATA EXTRACTED, GENERATED, CATEGORIZED, OR DISPLAYED BY THE SERVICE. All expense data, amounts, merchant names, categories, subscription detection, budget calculations, spending insights, and reports are approximate and may contain errors. You are solely responsible for verifying all data and should not rely on the Service as your sole record of financial transactions.

9.4 No Uptime Guarantee

We do not guarantee that the Service will be available at all times. The Service may be subject to interruptions, including maintenance, updates, failures, or circumstances beyond our control. We are not liable for any inability to access the Service or any resulting data loss.

9.5 Beta Features

We may offer features in beta, preview, or experimental status. Such features are provided "as is" with no warranty of any kind. We may modify or remove beta features at any time without notice. Your use of beta features is at your own risk and does not create any obligation for us to release a final version.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL APPSVANTA, ITS DIRECTORS, EMPLOYEES, PARTNERS, AGENTS, SUPPLIERS, AFFILIATES, LICENSORS, OR SERVICE PROVIDERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY DAMAGES FOR LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, REGARDLESS OF THE THEORY OF LIABILITY (CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE), INCLUDING WITHOUT LIMITATION:

• Loss of profits, revenue, data, use, goodwill, or other intangible losses
• Damages resulting from inaccurate, incomplete, or erroneous AI-generated data, expense categorization, subscription detection, or any other automated output
• Damages resulting from unauthorized access to, alteration of, or loss of your transmissions or data
• Damages resulting from any interruption, suspension, or cessation of the Service
• Financial losses, missed savings, overspending, or budgeting errors arising from reliance on information provided by the Service
• Tax penalties, filing errors, audit consequences, or accounting discrepancies arising from use of the Service
• Damages arising from your interactions with other users through shared accounts
• Damages caused by third-party services, including AI providers, cloud infrastructure, app stores, or notification services
• Loss or corruption of receipt images or other User Content
• Cost of procurement of substitute goods or services

THE FOREGOING LIMITATIONS APPLY EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND EVEN IF A REMEDY SET FORTH HEREIN IS FOUND TO HAVE FAILED ITS ESSENTIAL PURPOSE.

IN NO EVENT SHALL OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE EXCEED THE LESSER OF: (A) THE AMOUNT YOU HAVE ACTUALLY PAID US IN THE SIX (6) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) FIFTY DOLLARS (USD $50). FOR FREE-TIER USERS, OUR TOTAL AGGREGATE LIABILITY SHALL NOT EXCEED TEN DOLLARS (USD $10).

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IN SUCH JURISDICTIONS, OUR LIABILITY SHALL BE LIMITED TO THE MINIMUM EXTENT PERMITTED BY LAW. NOTHING IN THESE TERMS SHALL EXCLUDE LIABILITY THAT CANNOT BE EXCLUDED UNDER APPLICABLE LAW.

11. Indemnification

You agree to defend, indemnify, and hold harmless AppsVanta, its officers, directors, employees, agents, contractors, licensors, service providers, subcontractors, and suppliers from and against any and all claims, damages, judgments, awards, obligations, losses, liabilities, costs, and expenses (including reasonable attorneys' fees, court costs, and expert witness fees) arising from or relating to:

• Your access to or use of the Service
• Your violation of these Terms or any applicable law or regulation
• Your violation of any third-party rights, including intellectual property, privacy, or publicity rights
• Any User Content you submit, upload, or transmit through the Service
• Any fraudulent, misleading, negligent, or illegal activity conducted through your account
• Any financial decisions, tax filings, or accounting actions taken based on data provided by the Service
• Any dispute between you and another user arising from shared accounts or shared data
• Your failure to maintain the security of your account credentials

This indemnification obligation survives termination of these Terms and your use of the Service. We reserve the right, at your expense, to assume the exclusive defense and control of any matter subject to indemnification by you, and you agree to cooperate with our defense of such claims.

12. Termination

12.1 By You

You may stop using the Service at any time. To delete your account and all associated data, please contact us using the details in Section 16. Account deletion is permanent and cannot be reversed.

12.2 By Us

We may suspend or terminate your account and access to the Service at our sole discretion, without prior notice or liability, for any reason, including but not limited to:

• Breach of these Terms or our acceptable use policy
• Fraudulent or illegal activity
• Non-payment of subscription fees (after reasonable grace period)
• Extended inactivity
• Request by law enforcement or government agency
• Discontinuation of the Service

12.3 Effect of Termination

Upon termination for any reason:

• Your license to use the Service is immediately and automatically revoked
• You must immediately cease all use of the Service and delete all copies of the app
• We may delete your account data at our discretion, and are under no obligation to retain, retrieve, or forward any of your User Content or account data
• You are not entitled to any refund of subscription fees, pro-rated or otherwise, regardless of the reason for termination, including termination by us
• Any outstanding fees or charges owed to us become immediately due and payable
• Sections that by their nature should survive termination shall survive, including but not limited to: User Content licenses (for anonymized/aggregated data), Disclaimers, Limitation of Liability, Indemnification, Dispute Resolution, and this Section

12.4 No Liability for Termination

We shall not be liable to you or any third party for any termination or suspension of your account or access to the Service. You agree that we have no obligation to provide a reason for termination and that our termination decision is final and not subject to review.

13. Dispute Resolution

13.1 Mandatory Informal Resolution

Before filing any formal legal action or initiating arbitration, you must first contact us in writing and attempt to resolve the dispute informally for a period of at least sixty (60) days. During this period, you agree not to commence any arbitration or court proceeding. Failure to comply with this mandatory informal resolution process shall result in dismissal of any claim.

13.2 Binding Arbitration

If we cannot resolve the dispute informally, you and AppsVanta agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall be resolved through binding arbitration, rather than in court, except that either party may seek injunctive or equitable relief in court for intellectual property disputes.

13.3 Class Action Waiver

YOU AND APPSVANTA AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. Unless both parties agree otherwise, the arbitrator may not consolidate more than one person's claims and may not otherwise preside over any form of class or representative proceeding.

13.4 Exceptions

Nothing in this section shall prevent either party from seeking injunctive or other equitable relief from a court of competent jurisdiction to prevent the actual or threatened infringement of intellectual property rights. Small claims court actions that qualify may also be brought in court.

13.5 Statute of Limitations

YOU AGREE THAT ANY CLAIM ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE MUST BE FILED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION AROSE, OR THE CLAIM IS PERMANENTLY BARRED. This limitation applies regardless of the form of action, whether in contract, tort, or otherwise.

13.6 Governing Law

These Terms shall be governed by and construed in accordance with applicable law, without regard to conflict of law principles. If arbitration is not enforceable in your jurisdiction, you agree to submit to the exclusive jurisdiction of the courts in our principal place of business.

13.7 Attorneys' Fees

In any action or proceeding to enforce these Terms, the prevailing party shall be entitled to recover its reasonable attorneys' fees, costs, and expenses from the non-prevailing party.

14. General Provisions

14.1 Entire Agreement

These Terms, together with our Privacy Policy and any supplemental terms or policies referenced herein, constitute the entire agreement between you and AppsVanta regarding the Service and supersede all prior agreements and understandings.

14.2 Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.

14.3 Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision. Any waiver must be in writing and signed by us to be effective.

14.4 Assignment

You may not assign or transfer these Terms or your rights under them without our prior written consent. We may assign these Terms without restriction, including in connection with a merger, acquisition, or sale of assets.

14.5 Force Majeure

We shall not be liable for any failure or delay in performance resulting from causes beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, cyberattacks, pandemic, epidemic, government action, sanctions, embargoes, labor disputes, power failures, internet or telecommunications disruptions, third-party service outages or failures (including AI providers, cloud services, and app stores), changes in law or regulation, or any other event beyond our reasonable control. Our obligations under these Terms are suspended for the duration of such event.

14.6 Reservation of Rights

All rights not expressly granted to you in these Terms are reserved by AppsVanta. Nothing in these Terms grants you any right to use our trade names, trademarks, service marks, or trade dress, or implies any license or right under any patent, copyright, or other intellectual property right.

14.7 Notices

We may provide notices to you through in-app notifications, email (if provided), or by posting updates within the Service. Notices to us must be sent to the contact information in Section 16.

15. Changes to These Terms

We reserve the right to modify, amend, or replace these Terms at any time and at our sole discretion. We will post updated Terms within the app and update the "Last Updated" date at the top of this page. Where practicable, we will endeavor to provide advance notice of material changes through in-app notifications or email, but we are not obligated to do so.

Your continued use of the Service after updated Terms are posted constitutes your binding acceptance of the revised Terms. If you do not agree to the updated Terms, your sole and exclusive remedy is to stop using the Service and request deletion of your account. It is your responsibility to review these Terms periodically.

16. Contact Us

If you have any questions, concerns, or disputes regarding these Terms, please contact us:

• Email: legal@appsvanta.com
• Developer: AppsVanta
• App: Snap Receipt — AI-Powered Expense Track

We aim to respond to all inquiries within 30 days. For urgent matters related to account security or unauthorized access, please indicate "URGENT" in your subject line.

App Store Terms

Apple App Store

If you downloaded the app from the Apple App Store, you acknowledge and agree that:

• These Terms are between you and AppsVanta only, not Apple. AppsVanta, not Apple, is solely responsible for the Service and its content.
• Apple has no obligation to provide any maintenance or support for the Service.
• In the event of any failure of the Service to conform to any applicable warranty, you may notify Apple and Apple will refund the purchase price (if any). Apple has no other warranty obligation with respect to the Service.
• Apple is not responsible for addressing any claims by you or any third party relating to the Service, including product liability claims, consumer protection claims, or intellectual property claims.
• In the event of any third-party intellectual property claim, AppsVanta, not Apple, shall be solely responsible for the investigation, defense, settlement, and discharge of such claim.
• Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you.
• You must comply with all applicable third-party terms of agreement when using the Service.

Google Play Store

If you downloaded the app from Google Play, these Terms are between you and AppsVanta only, not Google. Google is not responsible for the Service or its content. Google Play's terms of service apply to your use of Google Play.