Effective Date: 10-07-2026

Welcome to Daily Expense Manager & Budget.

Please read these Terms and Conditions ("Terms", "Agreement") carefully before using the Daily Expense Manager & Budget mobile application ("App", "Service") provided by Salma Techz ("we", "our", or "us").

By downloading, installing, accessing, or using this App, you agree to follow and be bound by these Terms.

If you do not agree with these Terms, please stop using the App.

1. Acceptance of Terms

By using Daily Expense Manager & Budget, you confirm that you have read, understood, and agreed to these Terms and Conditions.

Your continued use of the App means you accept any future updates or modifications to these Terms.

2. Description of Service

Daily Expense Manager & Budget is a personal finance management application created to help users organize and manage their financial information.

The App provides features including but not limited to:

Expense tracking
Income tracking
Transaction management
Budget planning
Spending reports
Financial charts
Savings goals
Subscription tracking
Reminder tools
Personal finance organization

The App is intended for personal informational and organizational purposes only.

3. Free Application and Advertisements

Daily Expense Manager & Budget is provided as a free application.

To support development, maintenance, and improvement of the App, we may display advertisements through third-party advertising services such as Google AdMob.

Advertisements may be personalized or non-personalized depending on your device settings and applicable privacy regulations.

Third-party advertising providers may collect certain information according to their own policies.

We are not responsible for the content, availability, or practices of third-party advertisements.

4. User Responsibilities

You agree to use the App responsibly.

You are responsible for:

Entering accurate information
Reviewing your financial records
Managing your own financial decisions
Maintaining device security
Creating backups when necessary

You agree not to:

Misuse the App
Attempt unauthorized access
Reverse engineer or modify the App
Use the App for illegal purposes
Interfere with App functionality

5. Personal Finance Disclaimer

Daily Expense Manager & Budget is a financial organization tool only.

The App is not:

A bank
A financial institution
An investment advisor
A tax advisor
A legal advisor
A professional financial planning service

Information displayed inside the App should not be considered professional financial advice.

Any financial decisions you make are your own responsibility.

For professional financial guidance, please consult a qualified financial expert.

6. Accuracy of Information and Calculations

Daily Expense Manager & Budget provides calculations, charts, reports, summaries, and insights based on information entered by users.

While we aim to provide a reliable experience, we do not guarantee that:

Calculations are always completely accurate
Reports are error-free
Charts always represent complete financial situations
Predictions or insights are always correct
App functionality will always be uninterrupted

Users should independently verify important financial information.

7. User Data

The App allows users to create and store financial records such as expenses, income, budgets, and goals.

Users remain responsible for their own data.

Depending on available features:

Some information may be stored locally on your device
Some technical information may be processed by third-party services for analytics, advertising, or app improvement

Please review our Privacy Policy for more details about data collection and usage.

8. Data Backup and Data Loss

Users are responsible for protecting and backing up important information.

We are not responsible for:

Deleted records
Lost transactions
Device problems
App uninstall data removal
Failed backups
Corrupted data
Lost financial history

You should regularly backup important information when backup features are available.

9. Third-Party Services

Daily Expense Manager & Budget may use third-party services including:

Google AdMob
Firebase Analytics
Firebase Crashlytics
OneSignal
Google Play Services

These services may operate under their own terms and privacy policies.

We are not responsible for third-party service operations, policies, or content.

10. Notifications and Reminders

The App may provide notifications such as:

Expense reminders
Budget reminders
Subscription reminders
App information

Notifications are provided for convenience only.

We do not guarantee that:

Notifications will always arrive on time
Reminders will always work correctly
Alerts will be error-free

Users remain responsible for managing their own financial activities.

11. App Updates and Changes

We may update, modify, improve, or remove App features at any time.

Updates may include:

New features
Design improvements
Bug fixes
Security updates
Performance improvements

We do not guarantee that all features will remain available permanently.

12. Availability of Service

We aim to provide a reliable user experience.

However, we do not guarantee:

Continuous availability
Error-free operation
Compatibility with every device
No interruptions

The App may occasionally experience technical issues, maintenance, or limitations.

13. Limitation of Liability

To the maximum extent permitted by applicable law:

[Developer Name], its developers, owners, employees, partners, or affiliates shall not be responsible or liable for any direct, indirect, incidental, special, consequential, or financial damages caused by:

Using the App
Inability to use the App
Incorrect calculations
Incorrect user-entered information
Data loss
Device issues
Missed reminders
Software errors
Third-party services
Decisions made based on App information

You use Daily Expense Manager & Budget at your own discretion and risk.

14. No Warranty

The App is provided on an "AS IS" and "AS AVAILABLE" basis.

We make no warranties regarding:

Accuracy
Reliability
Availability
Suitability for specific purposes
Error-free performance

15. Intellectual Property

All App content including:

Design
User interface
Graphics
Logos
Features
Code structure

belongs to the App owner or respective licensors.

Users may not copy, reproduce, distribute, or modify App content without permission.

16. Account Termination

If account-based features are introduced in the future, we reserve the right to restrict access if users violate these Terms.

17. Children's Usage

Daily Expense Manager & Budget is intended for general users.

The App is not specifically designed for children under 13 years old.

Children should use financial applications only with parental guidance.

18. Privacy Policy

Your use of the App is also governed by our Privacy Policy.

Please review our Privacy Policy to understand how information is collected, used, and protected.

19. Changes to Terms

We may update these Terms from time to time.

Updated Terms will be posted with a revised effective date.

Continued use of the App after changes means you accept the updated Terms.

20. Contact Information

If you have questions, feedback, or concerns regarding these Terms, contact us:

App Name: Daily Expense Manager & Budget

Developer: Salma Techz

Email: salmakhan287923@gmail.com

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Terms & Conditions Daily Expense Manager & Budget