Terms & Conditions

1. Overview

Welcome to EXPNext.

EXPNext is a personal finance management application ("App") operated by INVOVANE COMPANY ("we," "us," or "our"). EXPNext helps you track personal financial records including expenses, incomes, loans, savings goals, purchases, financial payments, and documents — all in one place.

Website: www.expnext.com

Support: support@expnext.com

These Terms and Conditions ("Terms") govern your access to and use of the EXPNext mobile application. By downloading, installing, or using EXPNext, you agree to be bound by these Terms. Our Privacy Policy is incorporated by reference and forms part of these Terms.

If you do not agree with these Terms, please do not use the App. For assistance, contact us at support@expnext.com. These Terms apply to all users, including registered users and guests.

2. Communications

We may send you service-related communications that are necessary for the operation of your account, including:

• Account notifications (registration confirmation, OTP verification codes)
• Billing reminders and subscription renewal notices
• Security alerts and account activity notifications
• App update notifications
• Payment reminder push notifications for scheduled financial obligations

Marketing communications (newsletters, promotional offers, product announcements) are only sent if you have explicitly opted in. You may opt out of marketing communications at any time by contacting support@expnext.com. Opting out of marketing does not affect service-related communications.

3. Purchases and Payments

EXPNext offers paid subscription plans available for purchase through the Google Play Store. By making a purchase:

• You authorize EXPNext and Google Play to process your payment through your Google Play account.
• You represent that you are the authorized user of the Google Play account used for payment.
• You agree to provide true and complete information for any purchase.

All payments are processed exclusively through Google Play Billing, which is PCI DSS compliant. EXPNext does not collect, store, or process your credit or debit card details. Payment data is handled entirely by Google LLC pursuant to their privacy policy and terms of service.

We reserve the right to refuse or cancel transactions suspected of fraud or unauthorized activity.

Google Ads: EXPNext runs user acquisition advertising through Google Ads. Google may collect advertising interaction data (such as clicks and impressions) for campaign measurement purposes. No financial data from the App is shared with Google Ads. See Google's Privacy Policy at https://policies.google.com/privacy.

4. Subscription Plans

EXPNext offers two subscription tiers: a Free Plan and a Premium Plan. Current plan features, usage limits, and pricing are displayed within the App and on the Google Play Store listing. Plan details may be updated from time to time - always refer to the in-app Pricing screen for the most current information.

Free Plan:

• Available to all users at no cost
• Includes core finance tracking features (expenses, incomes, loans, savings goals, purchases, financial payments)
• Subject to usage limits on certain record types as displayed in the App

Premium Plan:

• A paid plan billed on a monthly or yearly cycle
• Removes Free Plan usage limits
• Unlocks additional features as listed in the App at time of purchase
• Pricing varies by region and is displayed in your local currency on the Google Play Store

New users start on the Free Plan. You may upgrade to Premium at any time through the App.

Auto-Renewal: Premium Plan subscriptions automatically renew at the end of each billing period (monthly or yearly) unless canceled before the renewal date. You will be charged through your Google Play account.

To cancel your subscription:

1. Open the Google Play Store app on your device.
2. Tap your profile icon > Payments & subscriptions > Subscriptions.
3. Select your EXPNext subscription.
4. Tap Cancel subscription and follow the on-screen instructions.

You may also contact us at support@expnext.com for assistance with subscription management.

Upon successful upgrade to the Premium Plan, a confirmation email is sent to your registered email address.

EXPNext reserves the right to modify subscription plans, pricing, or features at any time. For material changes affecting paid subscribers, we will provide reasonable advance notice via in-app notification or email.

Service Limitations and Downgrades:

• Free Plan users who reach usage limits will be prompted to upgrade.
• Downgrading from Premium to Free reinstates Free Plan usage limits. Records exceeding those limits will not be deleted but access may be restricted until resolved.

5. Guest Mode

You may use EXPNext without creating an account by continuing as a guest. In guest mode:

• Your data is stored on our servers linked to an anonymous session ID tied to your device.
• Guest mode provides the same features as the Free Plan.
• If you sign in with Google or register with an email, your guest data is automatically migrated and preserved under your new account.
• If you clear the app's data, uninstall the app, or change devices without signing in, guest data cannot be recovered.

We strongly recommend signing in with Google or creating an account to permanently protect your financial data.

6. Financial Data Disclaimer

EXPNext is a personal finance tracking tool. It is NOT a licensed financial advisor, investment advisor, tax advisor, or legal advisor. Specifically:

• EXPNext does not provide financial advice, investment recommendations, or tax guidance of any kind.
• All financial records within the App reflect only the data you manually enter.
• EXPNext does not verify the accuracy, completeness, or correctness of your financial records.
• Financial calculations (e.g., loan interest estimates, savings projections) are for personal tracking purposes only and may not reflect exact real-world figures.
• You are solely responsible for all financial decisions you make, regardless of information displayed in the App.
• Always consult a qualified licensed professional (financial advisor, accountant, or lawyer) before making financial, tax, or legal decisions.

7. User Accounts and Responsibilities

Account Creation:

• You must be at least 18 years old to create an account and use EXPNext.
• You represent that all information you provide during registration is true, accurate, and complete.
• Incomplete or inaccurate information may result in account suspension or termination.

Google Sign-In:

• By signing in with Google, you authorize EXPNext to access your Google account's basic profile (name, email address, and profile photo) solely for account creation and identification.
• We do not access any other Google account data beyond what is necessary for authentication.
• Your use of Google Sign-In is also subject to Google's Terms of Service and Privacy Policy.

Account Security:

• You are responsible for maintaining the security of your account and device.
• You must notify us immediately at support@expnext.com if you become aware of any unauthorized use of your account.
• EXPNext is not liable for losses arising from unauthorized account access due to your failure to maintain account security.

Password Reset:

• If you forget your password, you may request a one-time OTP code sent to your registered email address.
• OTP codes for password reset are 6 digits, expire after 10 minutes, and are rate-limited to 5 attempts per minute.
• OTP codes are encrypted in local storage while pending verification and deleted immediately after use or expiry.

Prohibited Uses:

You agree not to use EXPNext to:

• Violate any applicable law or regulation.
• Upload or share content that is unlawful, harmful, or infringes on third-party rights.
• Impersonate another person or entity.
• Engage in any activity that could harm, disable, or impair the App or its servers.
• Use automated systems, robots, or scrapers to access the App without our express written permission.
• Attempt to reverse-engineer, decompile, or disassemble the App.
• Introduce viruses, malware, or other harmful code.
• Interfere with or disrupt the integrity or performance of the Service.

8. Google Drive Integration

Premium subscribers may connect EXPNext to their personal Google Drive account to store financial documents (receipts, invoices, bank statements, tax documents, contracts, proof of payment, etc.).

When you connect Google Drive:

• You authorize EXPNext to access only the files it creates within your Drive ("drive.file" scope). EXPNext cannot access, read, or modify any other files in your Google Drive.
• Documents are stored in a dedicated "EXPNext_Documents" folder in your Drive.
• You own and control all documents stored in your Google Drive.
• You are responsible for maintaining sufficient Google Drive storage space.
• You must comply with Google Drive's Terms of Service.

EXPNext is NOT responsible for:

• Google Drive service outages or downtime.
• Loss of documents due to Google Drive or Google account issues.
• Your Google account suspension or termination.
• Documents deleted from your Drive outside the EXPNext app.

Document Deletion:

• Deleting documents within EXPNext also removes them from your Google Drive. This is permanent and cannot be undone by EXPNext.
• Disconnecting Google Drive leaves your documents in your Drive but makes them inaccessible via EXPNext. Document metadata is retained for record-keeping purposes.

You may revoke EXPNext's access to your Google Drive at any time via Google Account settings at myaccount.google.com > Security > Third-party apps with account access.

9. Push Notifications

EXPNext uses Firebase Cloud Messaging (FCM) to send push notifications for:

• Scheduled payment reminders for recurring financial obligations.
• App and service alerts.

We do not send unsolicited marketing push notifications.

To opt out of push notifications, adjust your device's notification settings for EXPNext at any time. Note that disabling notifications will stop payment reminder alerts.

10. Document Management

EXPNext supports uploading financial documents to your Google Drive (Premium plan).

• Supported document types: receipts, invoices, bank statements, tax documents, contracts, proof of payment, quotes
• Supported file formats: JPG, JPEG, PNG, WEBP (images); PDF (documents)
• Maximum file size: 5 MB per file

Privacy Protection - Automatic EXIF Metadata Removal:

EXPNext automatically strips all EXIF metadata from uploaded images before storage, including:

• GPS location coordinates (latitude/longitude)
• Camera make, model, and settings
• Original creation timestamps
• Photographer copyright information embedded in metadata
• Camera serial numbers
• Software used to edit the image

This automatic stripping protects your privacy. You should still manually review images before uploading to ensure no sensitive information is visible within the image content itself (e.g., visible documents, ID cards, addresses, or identifiable people).

You are responsible for ensuring you have the legal right to upload any documents you submit through the App.

11. Intellectual Property

EXPNext and its licensors own all rights, title, and interest in and to the App, including its design, code, features, functionality, and content (excluding data you enter).

You retain full ownership of all financial data and documents you enter or upload into EXPNext. By using the App, you grant EXPNext a limited, non-exclusive, non-transferable license to store, process, and display your data solely to provide the Service to you. We have no other rights to your data.

Without our prior written consent, you may not copy, modify, distribute, or use any part of the App or its content for commercial purposes.

Feedback:

If you provide us with feedback, suggestions, or ideas about EXPNext, you grant us an irrevocable, worldwide, royalty-free license to use such feedback without any obligation or compensation to you.

12. Analytical Services

We may use third-party analytics services (PostHog) to monitor and evaluate how the App is used in order to improve features and user experience. When analytics are enabled:

• We collect anonymous usage events (e.g., feature used, screen viewed, subscription action).
• We collect your email domain (e.g., "@gmail.com" - not your full email address) and subscription plan for cohort analysis.
• No personally identifiable financial data is transmitted to analytics providers.

You may opt out of analytics tracking at any time by contacting us at support@expnext.com.

13. Third-Party Links

The App may contain links to third-party websites or services not affiliated with EXPNext. We are not responsible for the content, privacy practices, or accuracy of any third-party site. We recommend reading the terms and privacy policies of any third-party sites you visit.

14. Warranty Disclaimer

15. Limitation of Liability

Some jurisdictions do not permit the exclusion or limitation of certain damages. In such jurisdictions, our liability is limited to the maximum extent permitted by applicable law.

16. Indemnification

You agree to defend, indemnify, and hold harmless EXPNext, INVOVANE COMPANY, and their officers, directors, employees, and agents from and against any claims, damages, liabilities, and expenses (including reasonable attorneys' fees) arising from:

• Your use of the App in violation of these Terms.
• Your violation of any applicable law or regulation.
• Content or data you upload, submit, or enter through the App.

17. Termination and Account Deletion

We may suspend or terminate your account at any time for violation of these Terms, without prior notice or liability.

You may delete your account at any time:

• You may delete your account directly within the App: go to Profile > Edit Profile > Delete Account. You may also contact us at support@expnext.com for assistance.
• Upon deletion: personal profile data is removed within 30 days; financial records (expenses, incomes, loans, savings, purchases, payments) are deleted within 90 days; document audit logs are retained for 1 year.
• Google Drive files remain in your personal Google Drive after account deletion and must be deleted manually.

After account deletion, all provisions of these Terms that by their nature should survive termination shall continue to apply, including intellectual property provisions, warranty disclaimers, indemnification, and limitation of liability.

18. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Republic of the Philippines, including but not limited to the Data Privacy Act of 2012 (Republic Act No. 10173), the Consumer Act of the Philippines (Republic Act No. 7394), and the Electronic Commerce Act (Republic Act No. 8792). INVOVANE COMPANY is a company registered in the Philippines and subject to Philippine law.

Nothing in these Terms shall deprive you of the protection afforded by mandatory consumer protection laws in your country of residence. If you reside in the European Union, United Kingdom, Australia, Canada, or any jurisdiction with mandatory consumer protection laws, those local laws shall apply to the extent they provide greater protection than Philippine law.

For disputes, you may bring claims in the courts of your country of residence if required by local consumer protection law, or in the courts of Metro Manila, Philippines.

19. Dispute Resolution

In the event of any dispute arising from these Terms, the parties will first attempt to resolve the matter through good-faith negotiation within 30 days. If unresolved, the dispute shall be submitted to binding arbitration under the laws of the Republic of the Philippines, except where prohibited by applicable consumer protection regulations in your jurisdiction.

20. Service Modifications

We reserve the right to modify, suspend, or discontinue the App or any part of it at any time. We will make reasonable efforts to notify users of significant changes in advance. EXPNext shall not be liable to you or any third party for any modification, suspension, or discontinuation of the Service.

21. Modifications to These Terms

We may update these Terms at any time. For material changes, we will provide at least 30 days' advance notice via in-app notification and email before the changes take effect. Continued use of the App after changes take effect constitutes your acceptance of the revised Terms.

22. Severability and Waiver

If any provision of these Terms is found to be unlawful, void, or unenforceable, that provision will be removed or limited to the minimum extent necessary, and the remaining provisions will remain in full force and effect. Our failure to enforce any provision does not constitute a waiver of that right.

23. Acknowledgement

24. Contact Us

For questions, technical support, or feedback:

Email: support@expnext.com

Website: www.expnext.com