PLEASE READ THIS AGREEMENT CAREFULLY BEFORE USING THE APP. BY DOWNLOADING, INSTALLING, OR USING THE APP, YOU AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE, DO NOT USE THE APP.
1. About the App
Offin is a personal finance organization tool. It lets you record transactions manually or by voice, import transactions from bank statements and files you provide (such as PDF and CSV files), automatically categorize transactions, and view budgets and insights based on the data stored in the App. Your data is stored on your device and, if you enable it, backed up to your personal iCloud account.
2. License Grant
We grant you a personal, limited, non-exclusive, non-transferable, revocable license to install and use the App on Apple-branded devices that you own or control, for your personal, non-commercial use, as permitted by the App Store Terms of Service. You may not copy, modify, distribute, sell, rent, reverse engineer, or create derivative works of the App, except to the extent permitted by applicable law.
3. Trial and Purchase
The App offers a free trial period, after which continued use requires a one-time in-app purchase. Prices are shown in the App before purchase. Purchases are processed by Apple, and refunds are handled exclusively through Apple in accordance with App Store policies. The trial period is tracked on your device; uninstalling and reinstalling the App does not entitle you to a new trial.
4. Accuracy Disclaimer — Automated Processing May Contain Errors
THE APP USES AUTOMATED PARSING, IMPORTING, AND CATEGORIZATION. THESE PROCESSES ARE IMPERFECT AND MAY PRODUCE ERRORS. You acknowledge and agree that, among other things:
- (a) transactions may be categorized incorrectly;
- (b) imports from statements or files may miss transactions, import them more than once, or import them with incorrect dates, amounts, payees, or other details;
- (c) statement formats vary between banks and change over time, and the App may fail to parse some files entirely or in part;
- (d) voice entry may misinterpret what you say;
- (e) balances, budgets, insights, charts, and totals are derived from the data in the App and will reflect any of the errors above.
You are solely responsible for reviewing and verifying all data in the App against your official bank and card statements. The App is an organizational aid, not a system of record. Your financial institution's records are the authoritative source of your financial information.
5. Not Financial, Tax, or Legal Advice
The App and its outputs (including categorizations, budgets, and insights) are provided for general informational and organizational purposes only. Nothing in the App constitutes financial, investment, tax, accounting, or legal advice, and the App is not a substitute for advice from a qualified professional. You should not make financial decisions based solely on information displayed in the App.
6. Your Responsibilities
You agree that you are responsible for:
- (a) verifying the accuracy and completeness of all imported and entered data;
- (b) maintaining your own copies and records of your financial information, including the original statements and files you import;
- (c) maintaining backups of your data (including, if you choose, enabling iCloud backup) and safeguarding your device and iCloud account credentials;
- (d) only importing files and data that you have the right to use;
- (e) complying with all applicable laws in your use of the App.
7. Your Data, Storage, and Backup
Your financial data is stored locally on your device. If you enable iCloud backup, your data is stored in your personal iCloud account under your Apple account; that storage is provided by Apple, not by us, and is subject to Apple's terms and your iCloud storage limits. We do not have access to your iCloud account. We are not responsible for loss of data resulting from device loss or failure, deletion of the App, failed or incomplete backups, insufficient iCloud storage, or your Apple account being unavailable. Our handling of data is described in our Privacy Policy, which is incorporated into this Agreement by reference.
8. Disclaimer of Warranties
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE", WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND. WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, RELIABILITY, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE APP WILL BE ERROR-FREE OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, OR THAT THE APP'S OUTPUTS (INCLUDING IMPORTS, CATEGORIZATIONS, BALANCES, AND INSIGHTS) WILL BE ACCURATE OR COMPLETE. NO ORAL OR WRITTEN INFORMATION OR ADVICE GIVEN BY US SHALL CREATE A WARRANTY.
Some jurisdictions do not allow the exclusion of implied warranties, so some of the above exclusions may not apply to you.
9. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE DEVELOPER BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE APP. THIS INCLUDES, WITHOUT LIMITATION, ANY DAMAGES OR LOSSES ARISING FROM:
- (a) INACCURATE, INCOMPLETE, MISCATEGORIZED, DUPLICATED, OR MISSING TRANSACTION DATA;
- (b) FINANCIAL, TAX, BUDGETING, OR OTHER DECISIONS MADE IN RELIANCE ON INFORMATION DISPLAYED IN THE APP;
- (c) MISSED PAYMENTS, OVERDRAFTS, FEES, PENALTIES, OR TAX CONSEQUENCES;
- (d) LOSS OF OR DAMAGE TO DATA, INCLUDING FAILED OR INCOMPLETE BACKUPS;
EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, OUR TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THIS AGREEMENT OR THE APP SHALL NOT EXCEED THE GREATER OF (i) THE AMOUNT YOU PAID FOR THE APP, OR (ii) FIFTY U.S. DOLLARS (US $50).
Some jurisdictions do not allow the limitation or exclusion of liability for certain damages, so some of the above limitations may not apply to you. Nothing in this Agreement excludes or limits liability that cannot be excluded or limited under applicable law.
10. Indemnification
To the maximum extent permitted by applicable law, you agree to indemnify and hold harmless the Developer from any claims, damages, liabilities, and expenses (including reasonable attorneys' fees) arising out of your misuse of the App or your violation of this Agreement or applicable law.
11. Intellectual Property
The App, including its design, code, logos, and content (excluding your data), is owned by the Developer and protected by intellectual property laws. This Agreement does not grant you any rights to our trademarks or branding.
12. Updates and Changes
We may update, modify, or discontinue the App or any feature at any time without notice. We may also update this Agreement; material changes will be reflected by an updated "Last updated" date and, where appropriate, presented in the App for re-acceptance. Your continued use of the App after changes take effect constitutes acceptance of the revised Agreement.
13. Termination
This Agreement is effective until terminated. It terminates automatically if you fail to comply with its terms. Upon termination, you must cease all use of the App and delete it. Sections 4, 5, 6, 8, 9, 10, 11, and 15 survive termination.
14. Apple-Specific Terms
This Agreement is between you and the Developer only — not with Apple Inc. ("Apple"), and Apple is not responsible for the App or its content. You acknowledge and agree that:
- (a) the license granted to you is limited to a non-transferable license to use the App on Apple-branded products that you own or control, as permitted by the Usage Rules in the App Store Terms of Service (except that the App may be accessed and used by other accounts associated with you via Family Sharing or volume purchasing);
- (b) the Developer, not Apple, is solely responsible for the App and for any maintenance and support services; Apple has no obligation to furnish any maintenance or support for the App;
- (c) in the event of any failure of the App to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any) to you; to the maximum extent permitted by law, Apple has no other warranty obligation with respect to the App, and any other claims, losses, liabilities, damages, costs, or expenses attributable to any failure to conform to a warranty are the Developer's responsibility;
- (d) the Developer, not Apple, is responsible for addressing any claims by you or any third party relating to the App or your possession and/or use of the App, including (i) product liability claims, (ii) any claim that the App fails to conform to applicable legal or regulatory requirements, and (iii) claims arising under consumer protection, privacy, or similar legislation;
- (e) in the event of any third-party claim that the App or your possession and use of the App infringes that third party's intellectual property rights, the Developer, not Apple, is solely responsible for the investigation, defense, settlement, and discharge of such claim;
- (f) you represent and warrant that (i) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a "terrorist supporting" country, and (ii) you are not listed on any U.S. Government list of prohibited or restricted parties;
- (g) you must comply with applicable third-party terms of agreement when using the App;
- (h) Apple and Apple's subsidiaries are third-party beneficiaries of this Agreement, and upon your acceptance of this Agreement, Apple will have the right (and will be deemed to have accepted the right) to enforce this Agreement against you as a third-party beneficiary.
Questions, complaints, or claims with respect to the App should be directed to: offin.support@radixittech.com.
15. Governing Law and Disputes
This Agreement is governed by the laws of [STATE/COUNTRY, e.g. the State of Texas, USA], without regard to its conflict-of-law principles. Any dispute arising out of or relating to this Agreement shall be brought exclusively in the courts located in [VENUE], and you consent to their jurisdiction, except where applicable law gives you the right to bring claims in your local courts.
16. Severability and Entire Agreement
If any provision of this Agreement is held unenforceable, the remaining provisions remain in full force and effect. This Agreement, together with the Privacy Policy, constitutes the entire agreement between you and the Developer regarding the App.
17. Contact
For questions about this Agreement or the App, contact us at offin.support@radixittech.com.