SettleSnap Terms of Use

Effective Date: September 22, 2025
Last Updated: September 22, 2025

1. Acceptance of Terms

By downloading, installing, or using SettleSnap ("the App"), you agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, please do not use the App and uninstall it from your device.

These Terms constitute a legally binding agreement between you ("User" or "you") and JaJaS ("Company," "we," "us," or "our") regarding your use of the SettleSnap application.

2. App Description

SettleSnap is a personal finance management application designed to help users track transactions, manage payments, and organize financial records. The App operates as a hybrid system:

Offline Mode (Default)

• Full functionality without internet connection

• All data stored locally on your device

• Complete privacy with no data transmission

Optional Cloud Sync

• Optional Google Sign-In for cloud synchronization

• Cross-device data access through Firebase services

• Enhanced features available with cloud connectivity

3. License Grant

Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to:

• Install and use SettleSnap on your personal devices

• Access and use the App's features for personal, non-commercial purposes

• Use cloud sync features when properly authenticated

License Restrictions

You may NOT:

• Copy, modify, distribute, sell, or lease the App

• Reverse engineer, decompile, or disassemble the App

• Use the App for any commercial or business purposes beyond personal finance management

• Remove or modify any proprietary notices or labels

• Use the App in violation of any applicable laws or regulations

4. User Accounts and Authentication

No Account Required

• The App functions fully without creating an account

• All core features available in offline mode

Optional Google Sign-In

If you choose to use cloud sync features:

• You must have a valid Google account

• You are responsible for maintaining the security of your Google account

• You may sign out and delete cloud data at any time

• We are not responsible for unauthorized access due to compromised Google credentials

5. User Content and Data

Your Data Ownership

• You retain full ownership of all data you enter into the App

• Transaction records, notes, contacts, and settings remain your property

• You are responsible for the accuracy and completeness of your data

Data Responsibility

You are responsible for:

• Accuracy: Ensuring transaction data is correct

• Backups: Creating local backups of important data (when using offline mode)

• Device Security: Protecting your device with appropriate security measures (PIN, biometrics, etc.)

• Data Recovery: Understanding that data loss may occur due to device failure, software issues, or user error

Data Storage Options

Local Storage

• Default storage method on your device

• No automatic cloud backup

• Risk of data loss if device is damaged or lost

Cloud Storage (Optional)

• Requires Google Sign-In and internet connection

• Data encrypted and stored on Google Firebase servers

• Subject to Google's terms of service and privacy policies

• You may export or delete cloud data at any time

6. Sharing and Link Generation

Transaction Links

SettleSnap can generate shareable links containing transaction details:

• Link generation is entirely optional and user-initiated

• Links are shared through your device's standard sharing mechanisms

• You are fully responsible for what you choose to share and with whom

• Recipients can import transaction data using these links

• Shared links may contain sensitive financial information

Sharing Responsibility

When sharing transaction links:

• Verify recipient identity before sharing

• Understand that shared information becomes accessible to recipients

• Consider privacy implications of sharing financial data

• Use secure communication channels when sharing sensitive links

7. Premium Subscription Services

Subscription Features

• Premium subscriptions provide ad-free experience and enhanced features

• Subscriptions are processed through Google Play Store billing

• Subscription terms and pricing are displayed at time of purchase

• Subscriptions automatically renew unless cancelled

Billing and Cancellation

• All billing is handled by Google Play Store

• You may cancel subscriptions through your Google Play account

• Refunds are subject to Google Play Store policies

• Premium features remain active until subscription expires

Changes to Premium Services

• We may modify premium features or pricing with notice

• Existing subscribers will be notified of material changes

• Continued use after changes constitutes acceptance

8. Advertising

Free Version Advertising

• The free version may display advertisements

• Ads are provided through Google AdMob services

• Ad frequency is limited to maintain user experience (maximum once per 5 transactions or 10 days)

• You may opt out of personalized advertising in settings

Ad Consent

• You may control ad personalization through app settings

• Non-personalized ads will be shown if you opt out of personalization

• Premium subscriptions remove all advertising

9. Third-Party Services

Integrated Services

The App integrates with several third-party services:

Google Services

• Google Sign-In for authentication

• Firebase for cloud storage and analytics

• AdMob for advertising

• Google Play Billing for subscriptions

Device Services

• Contact access (with permission) for autofill features

• Notification services for payment reminders

• Device storage for local data

Third-Party Terms

Your use of integrated services is subject to their respective terms:

• Google Terms of Service

• Firebase Terms of Service

• Google Play Terms of Service

• Device manufacturer terms

10. Privacy and Data Collection

Privacy Commitment

• Offline mode: Zero data collection or transmission

• Cloud sync: Minimal data collection for functionality only

• No data selling or sharing with third parties

• Detailed privacy practices described in our Privacy Policy

Analytics

• Anonymous usage analytics to improve app performance

• No personal information collected in analytics

• Crash reporting to identify and fix technical issues

• You may opt out of analytics in app settings

11. Prohibited Uses

You agree NOT to use SettleSnap for:

• Any illegal, fraudulent, or unauthorized purposes

• Money laundering or other financial crimes

• Storing or managing business financial records (personal use only)

• Creating false or misleading transaction records

• Interfering with or disrupting the App's functionality

• Attempting to gain unauthorized access to cloud services

• Violating any applicable laws or regulations

12. No Financial Services

Limited Functionality

SettleSnap is a personal ledger and tracking tool ONLY. We do NOT provide:

• Banking services or accounts

• Payment processing or money transfers

• Loans, credit, or financing services

• Investment advice or portfolio management

• Tax preparation or financial advice

• Currency exchange or conversion services

• Know Your Customer (KYC) verification

No Financial Advice

• The App does not provide financial, investment, tax, or legal advice

• All financial decisions remain your responsibility

• Consult qualified professionals for financial advice

• We are not liable for financial decisions based on App data

13. Data Backup and Recovery

Backup Responsibility

Offline Mode Users

• No automatic backups - you are responsible for creating manual exports

• Export features available within the App for local backups

• Data loss risk due to device failure, damage, or corruption

Cloud Sync Users

• Automatic cloud backup when properly signed in and connected

• Cross-device synchronization for data consistency

• User-initiated export options still available

• Google service dependency - subject to Google's service availability

Data Recovery Limitations

• We cannot recover data lost due to device failure in offline mode

• Cloud data recovery depends on proper authentication and Google service availability

• No guarantee of data recovery in all circumstances

• Users should maintain their own backup strategies for critical data

14. App Updates and Availability

App Updates

• We may update the App to add features, improve performance, or address security issues

• Updates may change functionality, user interface, or terms of service

• Continued use after updates constitutes acceptance of changes

• Some updates may be required for continued functionality

Service Availability

• We strive to maintain App availability but cannot guarantee uninterrupted service

• Cloud sync features depend on Google Firebase service availability

• We may discontinue or modify features with reasonable notice

• Offline functionality should remain available regardless of service status

End of Service

• We may discontinue SettleSnap with 30 days' notice

• Users will have opportunity to export data before service termination

• Cloud sync services may be terminated separately from the App

15. Intellectual Property Rights

App Ownership

• SettleSnap, including all code, designs, and documentation, is owned by JaJaS

• All intellectual property rights are reserved

• The App is protected by copyright, trademark, and other intellectual property laws

User Content

• You retain ownership of data you create within the App

• We do not claim ownership of your personal transaction data

• You grant us limited rights to process your data for App functionality (when using cloud sync)

Trademarks

• SettleSnap and associated logos are trademarks of JaJaS

• You may not use our trademarks without written permission

• Third-party trademarks remain property of their respective owners

16. Disclaimers and Warranties

"As Is" Provision

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

• Merchantability, fitness for a particular purpose, or non-infringement

• Accuracy, reliability, or completeness of information

• Uninterrupted or error-free operation

• Security of data or prevention of unauthorized access

Data Accuracy

• We do not warrant the accuracy of any data you enter or calculations performed

• Currency formatting and mathematical calculations are provided for convenience only

• You are responsible for verifying all financial information and calculations

Third-Party Services

• We do not warrant the availability or functionality of third-party services

• Google services integration is subject to Google's terms and availability

• We are not responsible for third-party service interruptions or changes

17. Limitation of Liability

Liability Limitations

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WE SHALL NOT BE LIABLE FOR ANY:

• Direct, indirect, incidental, special, consequential, or punitive damages

• Loss of profits, revenue, data, or use

• Business interruption or lost opportunities

• Damages resulting from use or inability to use the App

Specific Scenarios

We are not liable for:

• Missed Payment Reminders: Notification system failures or missed alerts

• Data Loss: Due to device failure, software issues, or user error

• Calculation Errors: Mathematical or currency conversion mistakes

• Security Breaches: Unauthorized access due to device or account compromise

• Service Interruptions: Due to maintenance, updates, or third-party service issues

Maximum Liability

In no event shall our total liability exceed the amount paid by you for premium subscriptions in the 12 months preceding the claim.

18. Indemnification

You agree to indemnify, defend, and hold harmless JaJaS, its officers, directors, employees, and agents from any claims, damages, or expenses arising from:

• Your use of the App in violation of these Terms

• Your violation of any applicable laws or regulations

• Your sharing of transaction data or links

• Your data entry errors or financial decisions based on App data

• Your breach of any representation or warranty made herein

19. Governing Law and Dispute Resolution

Governing Law

These Terms shall be governed by and construed in accordance with the laws of India, without regard to conflict of law principles.

Jurisdiction

Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts of India.

Alternative Dispute Resolution

Before initiating court proceedings, parties agree to attempt resolution through:

1. Direct negotiation between the parties

2. Mediation through a mutually agreed mediator

3. Arbitration if mediation is unsuccessful

Class Action Waiver

You agree to resolve disputes individually and waive rights to participate in class action lawsuits or collective arbitration proceedings.

20. International Use

Global Availability

While SettleSnap may be available internationally, these Terms are governed by Indian law.

Local Law Compliance

You are responsible for compliance with local laws in your jurisdiction regarding:

• Privacy and data protection regulations

• Financial record-keeping requirements

• Import/export restrictions on software

• Tax reporting obligations

Restricted Jurisdictions

We may restrict App availability in certain jurisdictions due to legal or regulatory requirements.

21. Compliance with Indian Laws

Information Technology Act, 2000

We comply with India's Information Technology Act and associated rules regarding:

• Data protection and privacy requirements

• Electronic records and digital signatures

• Cyber security practices

• Intermediary liability guidelines

Consumer Protection

We adhere to Indian consumer protection laws and provide:

• Clear terms and conditions

• Transparent pricing for premium services

• Accessible customer support

• Fair dispute resolution processes

22. Accessibility

We strive to make SettleSnap accessible to users with disabilities by:

• Supporting device accessibility features

• Providing multiple language options (including Indian regional languages)

• Implementing responsive design principles

• Following accessibility best practices

If you encounter accessibility barriers, please contact us at info@jajas.in for assistance.

23. Age Requirements

Minimum Age

• 13 years minimum for independent use

• Under 18: Parental supervision recommended

• Parental consent may be required depending on local laws

Parental Responsibility

Parents and guardians are responsible for:

• Monitoring children's use of the App

• Ensuring appropriate data entry and sharing practices

• Understanding financial tracking concepts before allowing use

24. Changes to Terms

Modification Rights

We reserve the right to modify these Terms at any time by:

• Posting updated Terms at jajas.in

• Updating the effective date

• Providing in-app notifications for material changes

Acceptance of Changes

• Continued use of the App constitutes acceptance of modified Terms

• If you disagree with changes, discontinue use and uninstall the App

• Premium subscribers will be notified of changes affecting subscription terms

Version History

• Version 1.0: September 1, 2025 (Original offline-only terms)

• Version 2.0: September 22, 2025 (Added cloud sync and premium features)

25. Severability

If any provision of these Terms is found to be unenforceable or invalid, the remaining provisions will continue in full force and effect. Invalid provisions will be modified to reflect the parties' intentions to the extent possible.

26. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and JaJaS regarding SettleSnap. These Terms supersede all prior or contemporaneous communications and proposals relating to the App.

27. Contact Information

General Inquiries

• Email: info@jajas.in

• Response Time: Within 48 hours for general inquiries

Legal Notices

For legal notices or formal communications:

• Email: info@jajas.in (Subject: "Legal Notice")

• Mail: JaJaS, India

Technical Support

For technical issues or app-related questions:

• Email: info@jajas.in (Subject: "Technical Support")

• Include: Device type, app version, and detailed description of issue

28. Survival

The following sections shall survive termination of these Terms:

• Intellectual Property Rights

• Disclaimers and Warranties

• Limitation of Liability

• Indemnification

• Governing Law and Dispute Resolution

Acknowledgment

By using SettleSnap, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. You also acknowledge that you have read and understood our Privacy Policy, which is incorporated herein by reference.

Developer: JaJaS
Location: India
Email: info@jajas.in
Website: jajas.in

Effective Date: September 22, 2025
Last Updated: September 22, 2025