Terms of Service

1.1. The App is designed to help users track and manage their personal expenses easily and efficiently.

1.2. The App is intended exclusively for personal, non-commercial use and is not meant for commercial exploitation or third-party data collection.

1.3. All data entered by the user is stored locally on the user’s device and is not transferred to, stored by, or processed on remote servers operated by us or any third party.

1.4. The App provides general expense tracking functionality only and does not provide financial, legal, or accounting advice. The App should not be relied upon as a substitute for professional advice.

1.5. The App is owned and operated by Nexus Software Systems L.P., based in Greece.

2.1. You are solely responsible for the accuracy, completeness, and legality of the data you enter into the App.

2.2. You agree to use the App in accordance with all applicable laws and regulations.

2.3. The use of the App for illegal or unauthorized purposes is strictly prohibited, including collecting third-party data without proper consent or manipulating stored data in unauthorized ways.

2.4. You acknowledge that you are solely responsible for managing, maintaining, and securing the data stored within the App.

3.1. All data managed by the App is stored locally on your device. We do not collect, store, access, or process this data on our servers.

3.2. You are responsible for securing and managing your data, including creating backups if desired.

3.3. We are not liable for any loss, corruption, theft, or misuse of your data resulting from device failure, user action, loss of device access, or third-party access.

3.4. Voice Input (Optional): If you use voice input, speech-to-text is performed by your device’s built-in system speech recognition (provided by Apple on iOS and Google on Android), which may send the audio to those providers for processing under their own privacy policies. BillPlex does not record, store, or send your audio to our own servers; only the resulting text is used.

3.5. Local Sync (Optional): If you use local Wi-Fi sync, data transfer occurs directly between your devices on your own network. You are responsible for the security of your network connection.

4.1. The App may be offered for a fee via the Apple App Store or Google Play Store. Your payment grants you a limited, non-exclusive, non-transferable license to use the App for personal purposes in accordance with these terms.

4.2. The fee covers access to the App’s functionality only and does not grant any ownership rights to the App, its source code, or intellectual property.

4.3. Refunds are handled exclusively in accordance with the policies of the applicable app store from which the App was purchased.

4.4. Right of Withdrawal (EU/UK): For digital content, you acknowledge that your right of withdrawal may be waived once the download or performance of the service has begun, in accordance with applicable consumer protection laws.

5.1. The App, including its code, design, content, and functionality, is the intellectual property of Nexus Software Systems L.P. and is protected by applicable copyright and intellectual property laws.

5.2. You may not copy, modify, reverse-engineer, decompile, distribute, or create derivative works from the App without our prior written consent, except where such restrictions are prohibited by law.

6.1. The App is provided on an “as is” and “as available” basis, without warranties of any kind, whether express or implied, including but not limited to fitness for a particular purpose, accuracy, availability, or reliability.

6.2. The App does not guarantee the accuracy, completeness, or reliability of any calculations, summaries, insights, or outputs generated based on user-entered data.

6.3. To the maximum extent permitted by law, we shall not be liable for:

— inaccuracies, errors, or omissions in user-entered data;

— any indirect, incidental, consequential, or special damages arising from the use or inability to use the App;

— data loss, corruption, or inconsistencies resulting from device issues, operating system updates, or user actions.

6.4. Our total liability under these terms shall not exceed the amount paid by you for the App.

7.1. We are not responsible for service interruptions, data loss, or failures caused by factors beyond our reasonable control, including device malfunctions, operating system updates, third-party platform changes, or app store distribution issues.

7.2. We are not responsible for issues arising from the distribution of the App through third-party platforms, including the Apple App Store, Google Play Store, or operating systems on which the App runs.

8.1. The App may provide optional features for exporting data, creating backups, or syncing data between devices.

8.2. You are solely responsible for securing any exported files, backup files, or data transferred between devices using these features.

8.3. We are not liable for unauthorized access, data loss, or misuse resulting from exported files or user-initiated data transfers.

9.1. We may restrict or terminate access to the App if required by law or if continued use poses legal, security, or compliance risks.

9.2. You may stop using the App and delete it from your device at any time, which will terminate your use of the App.

10.1. We reserve the right to modify these terms from time to time to reflect changes in the App, legal requirements, or business practices.

10.2. Updated terms will be made available within the App and will become effective upon publication. Continued use after changes constitutes acceptance.

10.3. These terms are governed by the laws of Greece. Any disputes shall be subject to the jurisdiction of the courts of Athens, Greece, without prejudice to mandatory consumer protection rights applicable in your country of residence.

10.4. Contact: For support or inquiries, contact us at contact@nexussoftdev.com.

11.1. Receipt photos you scan or import are stored only on this device, in the app’s private folder. They are never uploaded to our servers.

11.2. Text recognition (OCR) on receipts runs entirely on-device. On iOS we use Apple’s on-device Vision framework. On Android we use Google ML Kit’s on-device text recognition; ML Kit is a Google SDK and, although the receipt image itself does not leave the device, Google may collect anonymous usage and diagnostic data about ML Kit per Google’s ML Kit Terms.

11.3. Receipt photos are not shared with other household devices by default. You can opt in from Settings, and when you do, photos are sent only over the encrypted local-network PeerSync channel and only to devices you have paired.

11.4. You can remove any receipt photo at any time from the expense screen, and uninstalling the app removes every stored receipt photo from this device.

11.5. Receipt photos are included in the standard device backup (iCloud on iOS, Google Backup on Android) under the operating system’s own encryption.