Terms of Service — FamArca

These Terms of Service (the "Terms") apply to the FamArca app for Android (the "App"). They are an agreement between you and Aleksandr Limonov, an independent developer who publishes apps under the name Pikiti Development ("we", "us").

By installing or using the App, you agree to these Terms. If you do not agree, please do not use the App.

How we handle your data is described separately in the Privacy Policy.

The App helps you keep track of your personal and family finances. You record income, expenses, budgets, goals and debts by hand, by voice or from a photo of a receipt.

The App does not connect to your bank, does not hold your money and does not make payments. A transfer between accounts or to a family member is only a record in the App. No real money moves.

We are not a bank, a payment service or a financial, tax or legal adviser. Balances, budgets, reports, warnings and AI results are for your information only and depend on the data you enter.

Exchange rates come from third-party sources and may differ from the rates your bank uses.

You are responsible for your financial decisions. Check important figures against your own records.

You sign in with your Google account. You must be at least 13 years old, or older if your country sets a higher minimum age for this kind of service. If you are under the age of majority where you live, you need the permission of a parent or guardian to use the App and to buy anything in it.

The App is for personal and household use. Keep your device and your Google account secure. You are responsible for what happens in your account, unless it happens through no fault of your own.

With Premium you can create or join a family group. The owner of a group invites and removes members, can hand over ownership and can delete the group.

Members see the transactions and budgets shared with the group. Your account balances stay private unless you choose to share them. Invite only people who agree to join, and add only information you are entitled to share with them.

To delete your FamArca account, you first need to leave your family group or, if you are its owner, delete it.

Voice input and receipt scanning use AI. You decide whether to turn them on, and you can turn them off at any time in Settings. When you use them, your recording, receipt text or photo is sent to AI providers, as described in the Privacy Policy.

AI can make mistakes. Check every result before you save it: you are responsible for the records you keep.

Each plan includes a monthly AI allowance, shown in the App. We may limit requests to prevent abuse or overload, and AI features may sometimes be unavailable. We may also change the AI providers and models we use.

The App can be used for free. Premium is a paid subscription, billed monthly or yearly. AI packs are one-time purchases that add to your AI allowance. What each of them includes is shown in the App before you buy.

Prices are shown in Google Play before you confirm a purchase and may vary by country. Google Play takes the payment, and we never see your card details. Google Play purchases are not available in every country.

• Automatic renewal. A subscription renews at the end of each billing period, and you are charged until you cancel.
• Free trial. If a free trial is offered, its length is shown before you subscribe. You are charged when it ends, unless you cancel before then.
• Cancelling. You can cancel at any time in Google Play (how to cancel). You keep Premium until the end of the period you have paid for. Deleting the App or your FamArca account does not cancel a subscription.
• Failed payments. If a renewal payment fails, Premium may stay active for a short grace period and then ends.
• Changes. If we raise the price of a subscription, Google Play tells you in advance, and you can cancel before the new price applies. If we reduce what Premium includes, we will tell you in advance in the App.
• AI packs. Unused requests from a pack carry over to the following months. A pack is linked to your FamArca account, cannot be transferred and cannot be exchanged for money.
• When Premium ends. The App goes back to the free version, and Premium features such as cloud sync and family groups are no longer available. The records on your device stay there.

You can ask for a refund through Google Play, under the Google Play refund policy. You can also write to us at pikiti.dev@gmail.com, and we will review your request.

If you are a consumer, you keep all the rights that the consumer law of your country gives you. Nothing in these Terms takes those rights away. In the European Economic Area and the United Kingdom, they include:

• the right to get digital content and services that work as described. If they do not, you can ask us to fix the problem, and if we cannot, you may be entitled to a price reduction or a refund;
• the right to cancel a purchase within 14 days. For digital content and services that start straight away, this right can end or be limited once they have started, if you agreed to that when you bought them.

To use these rights, write to us at pikiti.dev@gmail.com.

Your records are yours. How we process them is described in the Privacy Policy.

You can export your data to Excel or JSON at any time. We recommend keeping your own backups: we work to protect your data, but we cannot promise that it will never be lost.

We give you a personal, non-exclusive, non-transferable right to install and use the App on your devices.

You agree not to:

• copy, sell, rent or redistribute the App or any part of it;
• reverse engineer the App, except where the law allows it;
• use the App to break the law or to harm, harass or deceive other people;
• get around the limits of the App or its AI features, try to reach other people's data, or interfere with the servers we or our providers use.

The App, including its code, design, sounds, text and name, belongs to us or to our licensors and is protected by law. These Terms do not give you any rights to it beyond those described in them. Some parts of the App are open-source software provided under their own licences.

Many features work offline. Sign-in, sync, family groups, AI features and purchases need an internet connection and services run by others, such as Google, Supabase and AI providers. We cannot control those services.

We work to keep the App reliable, but we cannot promise that it will be free of errors, work on every device or always be available. We may update or change the App, for example to improve it, to fix problems or to follow the law or Google Play's rules. If we plan to close the App or a paid feature, we will tell you in advance where we can, so that you can export your data.

You can stop using the App at any time. To delete your account and the data linked to it, go to Settings, then Profile, then Delete Account. This cannot be undone.

We may suspend or end your access if you seriously or repeatedly break these Terms, or if the law requires it. Where it is reasonable, we will warn you first. If your access to a paid service ends through no fault of your own, you will get the refund the law requires.

Nothing in these Terms limits or excludes our liability for death or personal injury caused by negligence, for fraud, or for anything else for which the law does not allow us to limit liability. Your statutory consumer rights are not affected.

Apart from that, and as far as the law allows:

• the App is provided "as is", without warranties of any kind;
• we are not responsible for your financial decisions, or for mistakes in records, AI results or exchange rates;
• we are not responsible for indirect or consequential loss, or for loss of data;
• our total liability to you is limited to the amount you paid for the App in the 12 months before the event that led to your claim.

We may update these Terms, for example when the App or the law changes. The current version is always on this page, with its date. If a change significantly affects you, we will tell you in advance in the App or on this page.

If you do not agree with a change, you can stop using the App. A change does not take away rights you already have for purchases you have made.

If you have a problem, please write to us first. We will try to solve it.

These Terms are governed by the laws of the Republic of Uzbekistan. If you are a consumer, you also keep the protection of the mandatory rules of the country where you live, and you can bring a claim in the courts of that country.

Developer: Aleksandr Limonov (Pikiti Development)
Email: pikiti.dev@gmail.com

Our postal address and other contact details are shown on the App's page on Google Play.

These Terms are available in English and Russian. If the versions differ, the English version applies, unless the law of your country requires otherwise.