Terms of Service

Expensaw · Last updated: 11 November 2026

These terms are an agreement between you and Abhishek Tanwar, operating as Expensaw ("we", "us"). By creating an account or using Expensaw (the Android app, the web app at app.expensaw.com or this website) you agree to them.

1. What Expensaw is

Expensaw is a personal finance tracking app: you log expenses and income, set budgets and goals, track bills and subscriptions, and get reports and AI-generated insights about your own money. We are not a bank, payment service, broker, lender or licensed financial adviser, and we never hold or move your money. Expensaw gives information, not financial advice.

2. Who can use it

You must be at least the age of digital consent in your country (for example 18 in India, 16 in much of the EU, 13 in the USA and UK). The app asks your year of birth and does not let younger people create an account.

3. Your account

• Keep your sign-in details private; you are responsible for what happens in your account.
• You can delete your account at any time in Profile → Privacy Center → Delete my account. Deletion is permanent and immediate — see our Privacy Policy and account deletion page.
• "Explore with sample data" (the demo) works without an account and saves nothing.

4. Free and Premium

• Free includes unlimited expense tracking and limited use of AI, voice and receipt scanning, budgets, goals and bills.
• Premium removes those limits and adds the features listed in the app.
• Prices: $3.99/month, $29.99/year or $79 once (lifetime); in India ₹149/month, ₹1,299/year or ₹3,999 once — or the price shown at purchase, including any taxes.
• Trial: a new account gets 15 days of Premium free, with no card and no automatic charge.
• Buying: Premium is bought inside the Android app through Google Play. Subscriptions renew automatically until you cancel in your Google Play account at least 24 hours before the renewal date. Refunds follow Google Play's refund policy; your statutory consumer rights are not affected.

5. Acceptable use

Do not: break or probe the app's security, or reverse-engineer it except where the law allows; access it with bots or scrapers; resell or share your account; upload illegal or harmful content; or use Expensaw for fraud, money laundering or any unlawful activity. We may suspend or close accounts that do.

6. AI features

AI answers, categories and reports are generated automatically. They can be wrong or incomplete, are not financial, tax or legal advice, and should be checked before you rely on them for an important decision. The figures Expensaw calculates from your own entries ("show the math") are shown so you can verify them.

7. Investments and other information

The investments tracker shows values that you enter. We do not execute trades, give live quotes, hold money or securities, or give investment advice, and we are not registered with SEBI, RBI or any other financial regulator.

8. Intellectual property and your data

• Expensaw — its code, design, content, name and logo — is owned by Abhishek Tanwar.
• Your data is yours. You allow us to process it only to provide Expensaw to you, as described in the Privacy Policy.
• Expensaw is built with open-source software; licence notices are available on request at contact@expensaw.com.

9. Availability

We work to keep Expensaw available and your data safe, but the service may sometimes be interrupted for maintenance or because a provider is unavailable. Your entries are saved on your device first.

10. Disclaimers and limits of liability

Expensaw is provided "as is". To the extent the law allows, we are not liable for indirect or consequential losses, for decisions you make based on the app's information or AI insights, or for losses caused by events outside our reasonable control. Our total liability for any claim is limited to the amount you paid us for Expensaw in the 12 months before the claim. Nothing in these terms limits liability that cannot be limited by law, or your rights as a consumer where you live.

11. Ending the agreement

You may stop using Expensaw and delete your account at any time. We may suspend or end your access if you seriously or repeatedly break these terms or the law; where reasonable we will tell you first.

12. Changes to these terms

If we change these terms in a way that matters, we will tell you in the app or by email before the change applies. If you do not agree, you can delete your account before then.

13. Law and disputes

These terms are governed by the laws of India, and the courts of Delhi, India have jurisdiction. If you are a consumer living elsewhere, you also keep any rights and the choice of courts that your local consumer law gives you. Please write to contact@expensaw.com first — most problems can be solved quickly.

14. Contact

contact@expensaw.com — Abhishek Tanwar, operating as Expensaw.