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Terms & Conditions

Last Updated: January 26, 2026

Welcome to ExpenseFlow_apps. These Terms and Conditions ("Terms") govern your access to and use of the ExpenseFlow_apps application and website (collectively, the "Service") provided by BUSINESS WEB APPS LTD ("we," "our," or "us"). By accessing or using our Service, you agree to be bound by these Terms.

1. Acceptance of Terms

By creating an account, accessing, or using ExpenseFlow_apps, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not use our Service.

2. Eligibility

You must be at least 18 years of age to use ExpenseFlow_apps. By using our Service, you represent and warrant that you meet this age requirement and have the legal capacity to enter into these Terms.

3. Description of Service

ExpenseFlow_apps is an expense tracking and budget planning application designed to help users:

  • Track and categorize daily expenses
  • Create and manage budgets
  • Visualize spending patterns through charts and statistics
  • Analyze financial data across custom time periods
  • Generate expense reports

The Service is provided for informational and organizational purposes. ExpenseFlow_apps does not provide financial advice, investment recommendations, or professional financial planning services.

4. User Accounts

4.1 Account Creation

To use certain features of ExpenseFlow_apps, you must create an account. You agree to:

  • Provide accurate, current, and complete information during registration
  • Maintain and update your information to keep it accurate and current
  • Maintain the security and confidentiality of your account credentials
  • Notify us immediately of any unauthorized use of your account

4.2 Account Responsibility

You are responsible for all activities that occur under your account. We are not liable for any loss or damage arising from your failure to maintain account security.

5. User Conduct and Prohibited Activities

You agree not to engage in any of the following prohibited activities:

  • Use the Service for any unlawful purpose or in violation of these Terms
  • Attempt to gain unauthorized access to our systems or networks
  • Interfere with or disrupt the Service or servers
  • Upload or transmit viruses, malware, or other malicious code
  • Collect or harvest personal information of other users
  • Use automated systems (bots, scrapers) without our written permission
  • Impersonate any person or entity or misrepresent your affiliation
  • Use the Service to transmit spam or unsolicited communications
  • Reverse engineer, decompile, or disassemble any part of the Service

6. Intellectual Property Rights

6.1 Our Rights

The Service, including its design, features, text, graphics, logos, and software, is owned by BUSINESS WEB APPS LTD and is protected by copyright, trademark, and other intellectual property laws. All rights not expressly granted to you are reserved.

6.2 Your Rights

You retain ownership of the financial data you enter into ExpenseFlow_apps. By using the Service, you grant us a limited license to use, store, and process your data solely for the purpose of providing and improving the Service.

7. Data and Privacy

Your use of the Service is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information. Please review the Privacy Policy carefully.

8. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

  • Warranties of merchantability, fitness for a particular purpose, or non-infringement
  • Warranties that the Service will be uninterrupted, error-free, or secure
  • Warranties regarding the accuracy, reliability, or completeness of any content

ExpenseFlow_apps is a tool for tracking and organizing financial information. We do not guarantee specific financial outcomes or results from using the Service.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, BUSINESS WEB APPS LTD SHALL NOT BE LIABLE FOR:

  • Any indirect, incidental, special, consequential, or punitive damages
  • Loss of profits, revenue, data, or business opportunities
  • Damages arising from your use or inability to use the Service
  • Damages resulting from unauthorized access to your data
  • Financial decisions made based on information provided by the Service

Our total liability to you for all claims arising out of or relating to these Terms or your use of the Service shall not exceed the amount you paid us, if any, in the 12 months preceding the claim.

10. Indemnification

You agree to indemnify, defend, and hold harmless BUSINESS WEB APPS LTD, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorney fees) arising out of or relating to:

  • Your use of the Service
  • Your violation of these Terms
  • Your violation of any rights of another party
  • Your violation of any applicable laws or regulations

11. Modifications to the Service

We reserve the right to modify, suspend, or discontinue any aspect of the Service at any time, with or without notice. We are not liable to you or any third party for any modification, suspension, or discontinuation of the Service.

12. Modifications to Terms

We may update these Terms from time to time. We will notify you of material changes by posting the updated Terms on our website with a new "Last Updated" date. Your continued use of the Service after such changes constitutes acceptance of the updated Terms.

13. Termination

13.1 Termination by You

You may terminate your account at any time by contacting us at garzafred369@gmail.com.

13.2 Termination by Us

We reserve the right to suspend or terminate your account and access to the Service at any time, with or without cause or notice, including if you violate these Terms.

13.3 Effect of Termination

Upon termination, your right to use the Service will immediately cease. We may delete your account and data in accordance with our data retention policies. Sections of these Terms that by their nature should survive termination shall survive.

14. Governing Law and Dispute Resolution

14.1 Governing Law

These Terms are governed by and construed in accordance with the laws of Canada, without regard to its conflict of law provisions.

14.2 Dispute Resolution

Any disputes arising out of or relating to these Terms or your use of the Service shall be resolved through good faith negotiations. If negotiations fail, disputes shall be subject to the exclusive jurisdiction of the courts located in Manitoba, Canada.

15. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect. The invalid or unenforceable provision shall be modified to the minimum extent necessary to make it valid and enforceable.

16. Entire Agreement

These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and BUSINESS WEB APPS LTD regarding your use of the Service and supersede all prior agreements and understandings.

17. No Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver must be in writing and signed by an authorized representative of BUSINESS WEB APPS LTD.

18. Contact Information

If you have questions or concerns about these Terms, please contact us:

BUSINESS WEB APPS LTD

Email: garzafred369@gmail.com

Phone: +1 204 336 7394

Address:
7 Bell Yard, London, England, WC2A 2JR
580 Academy Rd, Winnipeg, MB R3N 0E3, Canada

19. Acknowledgment

By using ExpenseFlow_apps, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.