Terms of Use

Effective date: 13 November 2026

These terms apply to your use of Xpensia, published by William Montes, Spain (hello@soluptions.com). Your licence to use the app is granted under Apple’s Licensed Application End User License Agreement; these terms add to it. By using Xpensia you accept both.

1. What Xpensia is

Xpensia is a personal tool to record and understand your own expenses. It is not a bank, an accounting service or a financial adviser, and it does not connect to your bank.

2. No financial, tax or legal advice

Totals, charts, forecasts and AI answers are for information only. They are not financial, investment, tax, accounting or legal advice. Check important figures yourself and consult a qualified professional before making decisions.

3. AI features

AI answers and receipt reading are generated automatically and can be wrong, incomplete or out of date. Always review them before relying on them or saving them. Models you download from Hugging Face are made by third parties and are subject to their own licences, which you are responsible for respecting.

4. Your data and backups

Your data lives on your device and, if you choose, in your own iCloud. You are responsible for keeping backups (for example with iCloud Backup or the export feature). We cannot recover data that is deleted or lost.

5. Acceptable use

Use Xpensia only for lawful purposes and do not try to break, reverse engineer or misuse the app, except where the law allows it.

6. Third-party services

Optional features rely on Apple (iCloud, Apple Intelligence) and Hugging Face. Their terms and availability are outside our control.

7. Availability and changes

We may update, change or discontinue features. We will try to keep your data on your device usable, but we do not guarantee that the app will always be available or free of errors.

8. Liability

Xpensia is provided “as is”. To the extent permitted by law, we are not liable for indirect losses or for decisions you make based on the app. Nothing in these terms limits liability that cannot be limited by law, such as for intent or gross negligence, or your statutory rights as a consumer.

9. Law and disputes

These terms are governed by the laws of Spain. If you are a consumer, you also keep the protection of the mandatory laws of your country of residence and may bring claims there.

10. Contact

Questions about these terms: hello@soluptions.com.