1. About Xpenso

• Xpenso is a personal finance and expense-tracking platform designed to help users record expenses, manage accounts, and view financial summaries.
• Xpenso does not provide financial, legal, or tax advice.

2. Eligibility

• You must be at least 13 years old to use Xpenso.
• By using the Service, you confirm that you have the legal capacity to enter into these Terms.

3. User Accounts

• You are responsible for maintaining the confidentiality of your account (if applicable).
• You are responsible for all activities that occur under your account.
• You agree to provide accurate and up-to-date information.
• Xpenso is not responsible for losses caused by unauthorized access due to your negligence.

4. Use of the Service

You agree to use Xpenso only for lawful purposes and in accordance with these Terms.

You must not:

• Use the Service for illegal or fraudulent activities
• Attempt to access another user's data
• Reverse-engineer, copy, or misuse the application
• Interfere with the app's security or performance

5. Financial Data Disclaimer

• All financial data entered into Xpenso is user-provided.
• Xpenso does not verify the accuracy of your entries.
• Reports, summaries, and charts are generated based solely on the data you input.
• You are fully responsible for how you interpret and use this information.

6. Data & Privacy

Your use of Xpenso is also governed by our Privacy Policy, which explains how we collect, store, and protect your information.

By using Xpenso, you consent to the data practices described in the Privacy Policy.

7. Service Availability

• We aim to keep Xpenso available and reliable, but we do not guarantee uninterrupted access.
• The Service may be temporarily unavailable due to maintenance, updates, or technical issues.
• Features may change, be updated, or removed without prior notice.

8. Intellectual Property

• All content, branding, logos, designs, and software related to Xpenso are the property of Xpenso unless otherwise stated.
• You may not copy, distribute, or reuse any part of the Service without written permission.

9. Limitation of Liability

To the maximum extent permitted by law:

• Xpenso shall not be liable for any direct, indirect, incidental, or consequential damages
• We are not responsible for financial losses, data loss, or decisions made based on app insights
• Use Xpenso at your own discretion and responsibility.

10. Termination

We reserve the right to suspend or terminate access to Xpenso if:

• These Terms are violated
• The Service is misused
• Required by law or regulation

You may stop using Xpenso at any time.

11. Changes to These Terms

• We may update these Terms from time to time.
• Any changes will be posted on this page with an updated "Last updated" date.
• Continued use of the Service after changes means you accept the updated Terms.

12. Governing Law

These Terms shall be governed by and interpreted in accordance with the laws of Bangladesh, unless otherwise required by applicable regulations.