Terms of Service

Finance Tracker is a personal finance record-keeping tool. It allows users to manually record expenses, income, transfers, accounts, categories, currencies, notes, and related financial activity; view on-device summaries and insights; use optional local notifications; and export or import supported backup files.

The app is intended for personal information management. It is not a bank, broker, lender, payment service, accountant, tax adviser, investment adviser, fiduciary, credit-repair service, or financial planner.

You may use the app only if you can form a binding agreement under applicable law. If you use the app on behalf of another person or organisation, you represent that you have authority to accept these terms for that person or organisation.

If you are below the age at which you may independently consent to these terms in your jurisdiction, use the app only with the permission and supervision of a parent or legal guardian.

You are responsible for the information you enter into the app, the accuracy of that information, and the security of your device.

The app is designed to store its active financial data locally on your device. The current app does not provide a user account, bank connection, cloud synchronisation, or server-hosted backup. You are responsible for maintaining any backup you need and for safely moving data to a new device.

Exports. The app lets you create a SQLite database backup (.db) or a JSON backup (.json) and send it through your device’s sharing sheet. You choose where to send or store the export.

Exported backups can contain sensitive financial information and may not be encrypted by the app. You are solely responsible for the destination you select, protecting the exported file, and complying with any terms or policies of the receiving service or recipient.

Imports. The app can import compatible Wallet Manager by KTW Apps .db, .sqlite, and .sql backup files. Importing data is optional and occurs after you select a file and review the proposed records.

You are responsible for ensuring that you have the right to import the file and that its contents are appropriate, accurate, and lawful. You should review imported records, duplicate warnings, accounts, amounts, currencies, dates, categories, payees, notes, and transfers before relying on the imported data.

Notifications are optional and require your device permission. If enabled, the app may schedule local reminders, weekly and monthly prompts, and a large-expense alert on your device. You can change these options in the app or disable notifications through device settings.

You understand that notification content may be visible to anyone who can view your device’s notification surfaces, subject to your device settings.

The app may offer a 4-digit passcode, biometric unlock, background locking, masking in the app switcher or recents view, and screen-capture prevention. These features are optional and are designed to help protect access to app content.

You remain responsible for choosing a secure device passcode, keeping your device under your control, protecting backups and exports, and using the app’s security controls appropriately. Security features do not guarantee that data cannot be accessed, lost, damaged, or disclosed.

The app presents calculations and summaries based on information you enter or import. The app does not verify account balances, transaction accuracy, exchange rates, tax treatment, investment suitability, or legal compliance.

Any totals, trends, category breakdowns, reminders, alerts, and other outputs are for general informational and organisational purposes only. Do not rely on the app as a substitute for professional financial, tax, legal, investment, or accounting advice. Consult a qualified professional for advice about your circumstances.

You agree not to:

• Use the app in violation of applicable law or another person’s rights.
• Import, export, or share data that you are not authorised to access or disclose.
• Attempt to interfere with, reverse engineer, disrupt, or circumvent the app’s security or licensing controls except where applicable law expressly permits such activity.
• Use the app to create, transmit, or store unlawful material.

The app, including its software, design, text, graphics, trademarks, and other content, is owned by or licensed to Async Coders and is protected by applicable intellectual-property laws.

Subject to these terms, we grant you a limited, personal, non-exclusive, non-transferable, revocable licence to install and use the app on devices you own or control, solely for its intended purpose. These terms do not transfer ownership of the app or its intellectual property to you.

Your financial records remain yours. You grant us no ownership interest in the information you enter into the app.

The app may use operating-system and app-store capabilities, including device notifications, secure storage, biometrics, file selection, and system sharing. Your use of those capabilities may be subject to third-party terms and privacy policies.

If you obtain the app from an app store, the app store’s terms also apply. To the extent required by an app store, that store is not responsible for providing maintenance or support for the app, handling claims related to the app, or enforcing these terms.

We may modify, update, suspend, or discontinue all or part of the app, including features, supported devices, import formats, or security controls. We may also update these terms. The updated terms will be posted on the website with a revised “Last updated” date. Your continued use after the effective date of an update means you accept the updated terms, to the extent permitted by law.

You should export your data before installing major updates, resetting a device, replacing a device, deleting the app, or taking any action that could remove locally stored data.

THE APP IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AVAILABILITY, AND SECURITY.

We do not warrant that the app will be uninterrupted, error-free, compatible with every device, secure in every circumstance, or that it will prevent data loss. You are responsible for checking records and maintaining backups appropriate to your needs.

Some jurisdictions do not allow certain warranty disclaimers, so some of the above may not apply to you.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, Async Coders, ITS AFFILIATES, LICENSORS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS OPPORTUNITY, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE APP.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATED TO THE APP OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO USE THE APP IN THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM OR (B) $100.

Nothing in these terms limits liability that cannot be limited under applicable law.

To the maximum extent permitted by law, you agree to defend, indemnify, and hold harmless Async Coders and its affiliates, licensors, and service providers from claims, liabilities, damages, losses, and expenses arising from your misuse of the app, violation of these terms, or unauthorised handling of another person’s information.

You may stop using the app at any time by deleting it from your device. Before deleting the app, export any data you wish to retain.

We may suspend or terminate your licence to use the app if you materially violate these terms or if required by law. Sections that by their nature should survive termination will survive, including provisions on ownership, disclaimers, limitations of liability, indemnity, and governing law.

These terms are governed by the laws of India, excluding its conflict-of-law rules. Any dispute will be resolved exclusively in the courts located in Vadodara, Gujarat, India, unless applicable consumer-protection law gives you the right to bring a claim elsewhere.

For questions about these terms or the app, contact:

Async Coders
Email: contact@asynccoders.com
Address: Vadodara, Gujarat, India

If any provision of these terms is found unenforceable, the remaining provisions will remain in effect to the extent permitted by law. Our failure to enforce a provision is not a waiver. You may not assign these terms without our prior written consent; we may assign them in connection with a merger, acquisition, corporate reorganisation, or sale of assets, subject to applicable law.