A-Pocket

Terms of Service

Last Updated: July 2026

Please read these Terms of Service carefully before using A-Pocket. By downloading, accessing, or using the Application, you agree to be legally bound by these Terms. If you do not agree, do not use the Application.

1. Acceptance of Terms

By creating an account or using the A-Pocket application, website, or related services (the "Application" or "Service"), you confirm that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy. These Terms constitute a legally binding agreement between you and A-Pocket ("we," "us," or "our"). If you use the Service on behalf of an organization, you represent that you are authorized to accept these Terms on its behalf.

2. Eligibility

• You must be at least 18 years old to create an account or use the Application. The Service is not intended for and may not be used by anyone under 18.
• By using the Application, you represent and warrant that you are at least 18 years of age and have the legal capacity to enter into these Terms.
• You are responsible for ensuring that your use of the Application is lawful in your country and jurisdiction of residence.

3. Description of the Service

A-Pocket is a personal finance tracking tool that lets you manually record, categorize, and monitor your expenses, income, accounts, and financial goals in one place. The Application is provided for informational and organizational purposes only. It is not a bank, financial institution, payment processor, broker, or provider of financial, investment, accounting, tax, or legal advice.

4. Account Registration and Security

• You agree to provide accurate, current, and complete information when creating your account and to keep it up to date.
• You are solely responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account.
• You must notify us immediately at info@anmoas.com of any unauthorized use or suspected security breach of your account.
• We are not liable for any loss or damage arising from your failure to protect your credentials or from unauthorized access resulting from your acts or omissions.

5. Subscriptions, Billing and Payments

Certain features of the Application may be offered as paid subscriptions (for example, "Gold" or "Premium" plans). By purchasing a subscription you agree that:

• Purchases are processed by the applicable app store or platform (such as the Google Play Store), and are subject to that platform's terms and payment policies, not directly by us.
• Subscriptions may automatically renew for successive periods at the then-current price unless cancelled before the renewal date through your app store account.
• Prices, plans, features, and billing cycles may change over time; where required, we or the platform will provide notice of material changes.
• All prices are shown inclusive or exclusive of taxes as indicated at the point of purchase; you are responsible for any applicable taxes.
• You are responsible for managing and cancelling your subscription through your app store account settings.

6. Refunds and Cancellations

You may cancel a subscription at any time; access to paid features continues until the end of the current billing period, after which it will not renew. Except where required by applicable law or by the app store's own policy, all payments are non-refundable and we do not provide refunds or credits for partial periods, unused features, or downgrades. Because purchases are processed by the app store, refund requests are generally handled directly by that store in accordance with its policies.

7. Free and Promotional Access

We may, at our sole discretion, offer free tiers, trials, or promotional access. We may modify, suspend, or withdraw such offers at any time. Free or promotional access is provided "as is" with no guarantee of continued availability.

8. Acceptable Use

You agree to use the Application only for lawful, personal, non-commercial purposes. You must not:

• Use the Application for any illegal, fraudulent, or unauthorized purpose, or in violation of any applicable law or regulation;
• Attempt to access, probe, bypass, disable, or compromise the security or integrity of the Application or its systems;
• Reverse engineer, decompile, copy, modify, or create derivative works of the Application except as permitted by law;
• Transmit viruses, malware, or any harmful or disruptive code;
• Use automated means to scrape, harvest, or overload the Service;
• Use the Application to harass, threaten, defame, or infringe the rights of others;
• Resell, sublicense, or commercially exploit the Application without our written permission.

9. Your Data and Content

• You retain ownership of the financial data and content you enter into the Application.
• You grant us a limited, non-exclusive license to store, process, and display that data solely to operate and provide the Service to you.
• You are solely responsible for the accuracy, legality, and quality of the information you enter, and for ensuring you have the right to use it.
• You are responsible for keeping your own backups of important data. We are not a backup or record-keeping service of last resort.

10. No Financial Advice and Assumption of Risk

The Application is a self-help organizational tool only. Nothing in the Application constitutes financial, investment, tax, accounting, or legal advice, and it should not be relied upon as such.

• All financial decisions you make are your own, and you make them at your own risk;
• We are not responsible for any financial loss, missed payment, penalty, or outcome resulting from your use of, or reliance on, the Application or the information it displays;
• You should consult a qualified professional before making significant financial decisions.

11. Third-Party Services and App Stores

The Application relies on third-party services, including Firebase and Google Cloud (authentication, database, hosting), Google OAuth, Expo/EAS (distribution and updates), and app-store billing (such as the Google Play Store). Your use of those services is governed by their own terms and privacy policies. We do not control and are not responsible for third-party services, and the app stores are not sponsors of the Application. We are not liable for any loss caused by the acts, omissions, outages, or changes of any third party.

12. Intellectual Property

• The Application, including its code, design, graphics, logos, mascot, and content, is owned by A-Pocket and protected by intellectual property laws.
• We grant you a limited, personal, non-transferable, revocable license to use the Application in accordance with these Terms.
• You may not copy, modify, distribute, sell, or create derivative works of any part of the Application without our express written permission.

13. Privacy

Your use of the Application is also governed by our Privacy Policy, which explains how we collect, use, and protect your information. By using the Application, you consent to the practices described there.

14. Disclaimers — "As Is"

To the maximum extent permitted by law, the Application is provided on an "as is" and "as available" basis, without warranties or conditions of any kind, whether express, implied, or statutory. In particular, we do not warrant that:

• The Application will be uninterrupted, timely, secure, or error-free;
• Any data, calculations, or information displayed will be accurate, complete, or reliable;
• Defects will be corrected, or that the Application is free of viruses or harmful components;
• The Application will meet your requirements or be fit for any particular purpose.

15. Limitation of Liability

To the maximum extent permitted by applicable law, in no event will A-Pocket, its owners, or its affiliates be liable for any:

• Indirect, incidental, special, consequential, punitive, or exemplary damages;
• Loss of data, profits, revenue, savings, goodwill, or business opportunity;
• Damage arising from your use of, or inability to use, the Application, or from your reliance on any information in it;
• Damage arising from unauthorized access to your account or data, service interruption, or the acts of third parties.

To the extent liability cannot be excluded but can be limited, our total aggregate liability to you for all claims arising out of or relating to the Application will not exceed the greater of (a) the total amount you paid us for the Service in the twelve (12) months before the event giving rise to the claim, or (b) AUD $50.

16. Indemnification

You agree to indemnify, defend, and hold harmless A-Pocket and its owners from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or connected with your use of the Application, your violation of these Terms, your violation of any law, or your infringement of any third-party right.

17. Availability, Changes and Discontinuation

We may add, change, suspend, or discontinue any part of the Application at any time, with or without notice, and without liability to you. We may impose limits on certain features or restrict access to parts of the Service.

18. Suspension and Termination

We may suspend or terminate your access to the Application, in whole or in part, at any time if:

• You breach these Terms or use the Application unlawfully;
• You engage in fraud, abuse, or conduct that creates risk or legal exposure for us or others;
• We are required to do so by law or by a third-party provider.

You may stop using the Application and delete your account at any time through the Application settings or by contacting us. Sections that by their nature should survive termination (including intellectual property, disclaimers, limitation of liability, and indemnification) will continue to apply.

19. Data Backup and Loss

While we take reasonable measures to safeguard your data, we do not guarantee that data will never be lost, corrupted, or become temporarily unavailable. You are responsible for maintaining your own copies of important information, and we are not liable for any loss of data to the extent permitted by law.

20. Your Consumer Rights

Nothing in these Terms excludes, restricts, or modifies any guarantee, right, or remedy you may have under mandatory consumer protection laws that cannot lawfully be excluded, including the Australian Consumer Law and the Brazilian Consumer Defense Code (Código de Defesa do Consumidor), or equivalent laws in your jurisdiction. Where such laws apply and a right cannot be excluded, our liability is limited, to the extent permitted, to re-supplying the Service or paying the cost of having it re-supplied.

21. Governing Law and Jurisdiction

These Terms are governed by the laws of Australia, without regard to conflict-of-law principles, and subject to any mandatory consumer laws of your country of residence. You agree that any dispute will be subject to the non-exclusive jurisdiction of the competent courts of Australia, while preserving any right you have to bring proceedings in your country of residence where required by law.

22. Changes to These Terms

We may update these Terms from time to time. When we make material changes, we will update the "Last Updated" date above. Your continued use of the Application after changes take effect constitutes acceptance of the revised Terms. We recommend reviewing this page periodically.

23. General

• Severability: If any provision is found unenforceable, the remaining provisions remain in full force.
• Entire agreement: These Terms and the Privacy Policy are the entire agreement between you and us regarding the Application.
• No waiver: Our failure to enforce any right is not a waiver of that right.
• Assignment: You may not assign these Terms; we may assign them in connection with a merger, acquisition, or sale of assets.
• Force majeure: We are not liable for any failure or delay caused by events beyond our reasonable control.

24. Contact

A-Pocket
Email: info@anmoas.com

These Terms of Service are effective as of July 2026.