Terms of Service
Effective date:
These Terms of Service ("Terms") govern your use of Fokus: Expense & Budget Tracker (the "App") and this website. By using the App, you agree to these Terms.
Acceptance of Terms
By downloading, installing, or using the Fokus app, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, please do not use the App.
Use of the App
You are responsible for your device, credentials, and data. You agree not to interfere with the App, attempt unauthorized access, or reverse engineer any part of it except where permitted by law.
- You must be at least 13 years old to use the App
- You are responsible for maintaining the confidentiality of your account
- You agree to use the App only for lawful purposes
- You may not use the App to store or transmit malicious code
Financial Data and Budgeting
Important: Fokus is a personal finance management tool and should not be used as a substitute for professional financial advice.
- All financial data you enter is stored locally on your device and optionally synced to your cloud account
- We do not have access to your financial information or transaction details
- Budget calculations and financial insights are provided for informational purposes only
- You are responsible for the accuracy of all data you enter into the App
- The App may use exchange rates for currency conversion, but these are not guaranteed to be real-time or accurate
Account Management and Data
- You can create and manage multiple accounts within the App
- Data backup and sync features are provided as-is and may not be available in all regions
- You are responsible for backing up your data regularly
- We are not liable for any data loss, corruption, or synchronization issues
- You may export your data at any time using the App's export features
App Features and Services
- Budget tracking, expense categorization, and financial reporting
- Multi-currency support with exchange rate updates
- Cloud synchronization across devices (where available)
- Data backup and export functionality
- Reminder and notification services
- Premium features including advanced analytics and unlimited categories
We reserve the right to modify, suspend, or discontinue any feature at any time.
Subscriptions and In‑App Purchases
- Premium features are billed by the App Store or Google Play; we use RevenueCat to verify status.
- Prices may vary by region. Subscriptions auto‑renew unless canceled before the renewal date.
- Manage or cancel from your store account settings. Refunds follow store policies.
- Free tier includes basic budgeting features with limited categories
- Premium subscription unlocks unlimited categories, advanced analytics, and priority support
- Subscription prices are subject to change with 30 days notice
Data and Privacy
See our Privacy Policy for how we handle your information.
- Your financial data remains private and is not shared with third parties
- We use analytics to improve the App but do not collect personal financial information
- Cloud sync data is encrypted and stored securely
- You can request deletion of your data at any time
Security and Data Protection
- We implement industry-standard security measures to protect your data
- Local data is encrypted on your device
- Cloud data is encrypted in transit and at rest
- We regularly update security protocols and monitor for threats
- You are responsible for keeping your device secure and updated
Intellectual Property
We and our licensors retain all rights in the App and related content. You receive a limited, non‑exclusive, non‑transferable license to use the App in accordance with these Terms.
- The App design, code, and content are protected by copyright and trademark laws
- You may not copy, modify, or distribute the App without permission
- Your data and content remain your intellectual property
- You grant us a license to use anonymized usage data for App improvement
Third-Party Services
- The App may integrate with third-party services for features like cloud storage
- We are not responsible for third-party service availability or data handling
- Third-party services have their own terms and privacy policies
- Exchange rate data may be provided by third-party financial services
Disclaimer
The App is provided "as is" without warranties of any kind, whether express or implied. We do not warrant uninterrupted or error‑free operation.
- We do not guarantee the accuracy of financial calculations or exchange rates
- The App is not a substitute for professional financial advice
- We do not guarantee that the App will meet your specific requirements
- Service availability may vary by region and device
Limitation of Liability
To the maximum extent permitted by law, we are not liable for indirect, incidental, special, or consequential damages arising from your use of the App.
- We are not liable for any financial losses resulting from App usage
- Our total liability is limited to the amount you paid for the App in the 12 months preceding the claim
- We are not responsible for data loss or corruption
- Some jurisdictions do not allow liability limitations, so these may not apply to you
Termination and Account Deletion
- You may stop using the App at any time
- We may terminate or suspend your access for violations of these Terms
- Upon termination, your right to use the App ceases immediately
- You can request complete deletion of your data and account
- Some data may be retained for legal or security purposes
Changes to Terms
We may update these Terms periodically. Your continued use after changes means you accept the updated Terms.
- We will notify you of significant changes via the App or email
- Material changes will be communicated at least 30 days in advance
- Your continued use constitutes acceptance of updated Terms
- If you disagree with changes, you may stop using the App
Governing Law and Disputes
- These Terms are governed by the laws of [Your Jurisdiction]
- Disputes will be resolved through binding arbitration when possible
- You waive any right to participate in class action lawsuits
- Small claims court cases are exempt from arbitration requirements
Contact and Support
Questions about these Terms or need support? Contact us at info@piefocus.com
- For technical support, use the in-app support feature
- For billing issues, contact your app store directly
- We aim to respond to inquiries within 48 hours
- Premium users receive priority support