Terms of Service

Last updated: 9 July 2026

These Terms of Service ("Terms") govern your use of TapXpense ("the app", "we", "our", or "us"), a native iOS expense-tracking application. By downloading, installing, or using TapXpense, you agree to be bound by these Terms. If you do not agree, do not use the app.

1. Description of Service

TapXpense is a personal finance tool that helps you record, categorise, and review your expenses. Features include Back Tap quick-logging, on-device AI categorisation, budgets and spending insights, widgets, subscription tracking, optional cloud sync when you sign in with Apple or Google, and an optional integration that syncs your expenses to a Notion database you choose. The app is intended for personal use on compatible iPhones running iOS 17 or later.

2. Eligibility

You must be at least 13 years old to use TapXpense. If you are under 18, you represent that you have permission from a parent or legal guardian. The app is not directed at children under 13.

3. Accounts and Guest Use

You may use TapXpense without creating a named account by choosing "Continue as Guest." Guest use runs entirely on your device — no account is created on our servers and your data is not uploaded. If you sign in with Apple or Google, you authorise us to receive your name and email solely to authenticate you and sync your data across your devices. You are responsible for maintaining the security of your device and any credentials associated with your account, and for keeping your own backups when using the app as a guest.

4. Acceptable Use

You agree to use TapXpense only for lawful personal expense tracking. You must not:

• Attempt to reverse-engineer, decompile, or extract source code from the app except where permitted by law.
• Use the app to store or transmit unlawful, harmful, or fraudulent content.
• Interfere with or disrupt the app's infrastructure, including automated scraping or abuse of backend services.
• Misrepresent your identity or attempt to access another user's data.

5. Your Data

You retain ownership of the expense data you enter into TapXpense. We process your data as described in our Privacy Policy. You are solely responsible for the accuracy and completeness of the information you record. We are not responsible for data loss resulting from device failure, uninstallation, or failure to sync when you use the app offline or as a guest without iCloud Keychain backup.

6. AI Features

TapXpense uses on-device and, where necessary, cloud-based language models to suggest categories and generate reports or chat responses about your spending. AI output may be inaccurate or incomplete. You should verify important financial information independently. AI features analyse only the data and phrases you provide; they do not constitute professional financial, tax, or legal advice.

7. No Financial Advice

TapXpense is a record-keeping and insight tool only. Nothing in the app — including budgets, reports, forecasts, or AI-generated responses — constitutes financial, investment, tax, or legal advice. You should consult qualified professionals before making financial decisions.

8. Intellectual Property

TapXpense, including its design, code, branding, and documentation, is owned by the developer and protected by applicable intellectual-property laws. These Terms grant you a limited, non-exclusive, non-transferable licence to use the app for personal purposes in accordance with Apple's App Store terms.

9. App Store and Third-Party Services

When distributed via the Apple App Store, your use of TapXpense is also subject to Apple's applicable terms and policies. The app relies on third-party services including Supabase, Sign in with Apple, Google Sign-In, OpenRouter, and — if you choose to connect it — Notion, as described in our Privacy Policy. When you connect Notion, you authorise the app to send the expense details you choose to sync to the Notion database you select. We are not responsible for the availability or practices of those third parties.

10. Disclaimer of Warranties

TapXpense is provided "as is" and "as available" without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the app will be uninterrupted, error-free, or free of harmful components.

11. Limitation of Liability

To the maximum extent permitted by applicable law, TapXpense and its developer shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, data, or goodwill, arising from your use of or inability to use the app. Our total liability for any claim relating to the app shall not exceed the amount you paid for the app in the twelve months preceding the claim, or AUD $50 if the app was free.

12. Termination

You may stop using TapXpense at any time by deleting the app and signing out. We may suspend or terminate access to cloud sync services if you violate these Terms or if required to comply with law. Provisions that by their nature should survive termination — including disclaimers, limitations of liability, and intellectual-property terms — will survive.

13. Changes to These Terms

We may update these Terms from time to time. The "Last updated" date at the top of this page will reflect any changes. Material changes will be communicated via an in-app notice or updated listing before they take effect. Continued use of the app after changes constitutes acceptance of the revised Terms.

14. Governing Law

These Terms are governed by the laws of New South Wales, Australia, without regard to conflict-of-law principles. Any dispute arising from these Terms or your use of TapXpense shall be subject to the exclusive jurisdiction of the courts of New South Wales, except where mandatory consumer protection laws in your country require otherwise.

15. Contact

If you have questions about these Terms, please contact us.