Terms of Service

1. Acceptance of terms

By accessing or using Myexpense at myexpense.org (the "Service"), creating an account, or otherwise indicating your acceptance, you confirm that you have read, understood, and agree to be bound by these Terms of Service ("Terms") and our Privacy Policy, incorporated herein by reference.

If you do not agree to these Terms in their entirety, you must immediately discontinue use of the Service. If you are using the Service on behalf of an organisation, company, or other legal entity, you represent and warrant that you have full legal authority to bind that entity to these Terms, in which case "you" refers to that entity.

These Terms form a legally binding agreement between you and Myexpense. By using the Service you acknowledge that you have had the opportunity to review these Terms and that you understand their content.

2. Description of service

Myexpense is a personal finance management platform accessible at myexpense.org that enables registered users to manually log, track, and organise their income, expenses, budgets, recurring bills, travel costs, and event-related spending through a web-based interface.

The Service is a personal finance tracking and organisation tool only. It does not constitute, and shall not be construed as, financial advice, investment advice, accounting advice, tax advice, legal advice, or any other form of professional advisory service regulated by financial or professional licensing laws in any jurisdiction. Any financial decisions you make based on data entered into or generated by the Service are made entirely at your own risk and judgement.

Myexpense does not connect to, access, or integrate with any bank account, payment provider, financial institution, or credit bureau. All data within the Service is entered manually by you.

3. Free service — no warranties

Myexpense is provided entirely free of charge. There are no subscription fees, no one-time charges, no credit card requirements, no purchase options of any kind, and no hidden charges. All features available within the Service are accessible to all registered users at no monetary cost.

Because the Service is provided free of charge, it is offered strictly on an "as is" and "as available" basis. The absence of a fee does not, and shall not be construed to, create any obligation on our part to provide guaranteed uptime, data retention guarantees, service level agreements, dedicated customer support, feature continuity, or any other commitment of ongoing service quality.

We reserve the right to modify, limit, or discontinue any feature or the Service itself at any time without compensation or liability to you.

4. Eligibility and age requirements

To use the Service, you must satisfy all of the following requirements:

You must be at least 13 years of age. In the European Union, EEA, and United Kingdom, you must be at least 16 years of age unless the law of your member state provides for a lower age (minimum 13). In South Korea, you must be at least 14 years of age. In certain other jurisdictions, higher minimum ages may apply.
You must have the legal capacity to enter into a binding contract in your jurisdiction.
You must provide accurate, current, and complete registration information and maintain it as such.
You must not have a previously suspended or terminated Myexpense account.
Your use of the Service must not violate any applicable law or regulation in your jurisdiction.
If you are a minor under the applicable age threshold in your jurisdiction, you must obtain verified parental or guardian consent before using the Service.

We reserve the right to verify eligibility at any time and to suspend accounts where eligibility cannot be confirmed.

5. Account registration and security

When you register for the Service, you must provide a valid email address and either create a password or authenticate via Google OAuth. You agree to:

• Provide truthful, accurate, and current information during registration and keep it up to date. • Maintain the confidentiality of your account credentials and not share them with any third party. • Notify us immediately at hello@myexpense.org if you suspect any unauthorised access to or use of your account. • Accept full responsibility for all activity conducted through your account, whether or not authorised by you. • Use a strong, unique password not used on other services. • Not create multiple accounts for the same person except with our prior written permission.

We are not liable for any loss or damage arising from your failure to maintain account security. We may require you to update your credentials or verify your identity at any time for security purposes.

6. Acceptable use

You agree to use the Service only for lawful, personal, non-commercial purposes and strictly in accordance with these Terms. You must not:

Use the Service for any unlawful, fraudulent, deceptive, abusive, or malicious purpose
Attempt to gain unauthorised access to any part of the Service, other users' accounts, servers, networks, or infrastructure
Upload, submit, transmit, or distribute malicious code, viruses, Trojan horses, worms, ransomware, spyware, or harmful content of any kind
Reverse-engineer, decompile, disassemble, or otherwise attempt to derive the source code of any part of the Service
Resell, sublicense, lease, rent, transfer, or commercially exploit the Service or any part of it
Use automated scripts, bots, crawlers, scrapers, or similar tools to access, extract, or interact with the Service
Interfere with, disrupt, overburden, or impair the integrity, performance, or security of the Service or its underlying infrastructure
Impersonate any person, entity, or organisation, or misrepresent your identity or affiliation
Use the Service to store, process, or transmit data belonging to third parties without their express informed consent
Circumvent, disable, or otherwise interfere with security features, access controls, or usage monitoring of the Service
Use the Service in any manner that violates applicable export control, sanctions, or trade laws
Harvest or collect email addresses or other personal data of other users
Engage in any conduct that restricts or inhibits any other person's use or enjoyment of the Service

We reserve the right to investigate suspected violations and to suspend or permanently terminate accounts, cooperate with law enforcement authorities, and take any other action we deem appropriate, including without prior notice.

7. Your data and content

You retain full legal ownership of all financial data, records, notes, and content you manually enter into the Service ("User Content"). By using the Service, you grant Myexpense a limited, non-exclusive, worldwide, royalty-free, sublicensable licence to host, store, process, transmit, and display your User Content solely and exclusively for the purpose of providing the Service to you.

This licence is granted only to the extent necessary to operate, maintain, and improve the Service. We do not claim any ownership interest in your User Content and do not use your financial data for advertising, profiling, or any purpose other than delivering the Service.

This licence terminates upon deletion of the specific User Content or your account. Following account deletion, your User Content will be permanently purged within 30 days as described in our Privacy Policy.

You represent and warrant that: (a) you have all necessary rights to submit your User Content; (b) your User Content does not infringe any third-party intellectual property, privacy, or other rights; and (c) your User Content is accurate to the best of your knowledge.

You are solely responsible for the accuracy, completeness, and legality of all User Content you submit to the Service.

8. Data loss — no liability

THE SERVICE IS PROVIDED FREE OF CHARGE ON A BEST-EFFORT BASIS. WHILE WE IMPLEMENT REASONABLE TECHNICAL SAFEGUARDS INCLUDING DATABASE ENCRYPTION, SECURE TRANSMISSION, AND ACCESS CONTROLS, WE DO NOT GUARANTEE AND EXPRESSLY DISCLAIM ANY WARRANTY THAT YOUR DATA WILL BE RETAINED INDEFINITELY, BACKED UP AUTOMATICALLY, RECOVERABLE AFTER LOSS, OR FREE FROM CORRUPTION, ALTERATION, OR ACCIDENTAL DELETION AT ANY TIME FOR ANY REASON.

MYEXPENSE AND ITS OPERATORS, OWNERS, EMPLOYEES, CONTRACTORS, AFFILIATES, AND AGENTS ARE NOT RESPONSIBLE FOR, AND EXPRESSLY DISCLAIM ALL LIABILITY OF ANY KIND ARISING FROM, ANY LOSS, CORRUPTION, UNAVAILABILITY, UNAUTHORISED ALTERATION, OR ACCIDENTAL DELETION OF YOUR DATA, WHETHER CAUSED BY:

• Technical failure, server outage, hardware failure, or database errors • Software bugs, defects, updates, patches, or data migrations • Cyberattacks, hacking, ransomware, malware, or unauthorised access by third parties • Accidental deletion or modification by you or anyone accessing your account • Service suspension, modification, or permanent discontinuation • Force majeure events including but not limited to natural disasters, floods, earthquakes, fire, power outages, internet outages, pandemics, acts of war or terrorism, or acts of government • Actions or omissions of third-party service providers including cloud infrastructure, database, or email providers • Any other cause within or entirely beyond our reasonable control

YOU ACKNOWLEDGE AND AGREE THAT YOU ARE SOLELY AND ENTIRELY RESPONSIBLE FOR MAINTAINING YOUR OWN INDEPENDENT RECORDS, COPIES, OR BACKUPS OF ANY FINANCIAL DATA YOU CONSIDER IMPORTANT OR IRREPLACEABLE. WE STRONGLY RECOMMEND THAT YOU REGULARLY REVIEW, EXPORT, AND INDEPENDENTLY RECORD YOUR FINANCIAL DATA USING THE REPORTING AND REVIEW FEATURES AVAILABLE WITHIN THE SERVICE.

YOUR USE OF THE SERVICE IS ENTIRELY AT YOUR OWN RISK WITH RESPECT TO DATA INTEGRITY, CONTINUITY, AND AVAILABILITY. TO THE FULLEST EXTENT PERMITTED BY LAW, WE SHALL BEAR NO LIABILITY WHATSOEVER FOR DATA LOSS UNDER ANY LEGAL THEORY INCLUDING CONTRACT, TORT, STRICT LIABILITY, OR EQUITY.

9. No financial, tax, or investment advice

The Service is a personal finance data organisation tool. Nothing within the Service, including but not limited to charts, reports, budget summaries, savings rate calculations, income breakdowns, or any other output, constitutes or should be construed as:

• Financial advice, investment advice, or portfolio recommendations • Tax advice, tax preparation guidance, or accounting services • Legal advice or legal services of any kind • Insurance advice or recommendations • Retirement planning or pension advice • Credit, lending, or debt management advice

The data displayed by the Service reflects only what you have manually entered. We make no representations as to the accuracy, completeness, or fitness for purpose of any financial information displayed. Before making any financial decision — including but not limited to investment decisions, tax filings, loan applications, insurance purchases, or retirement planning — you should consult a qualified, licensed financial, tax, or legal professional in your jurisdiction.

Myexpense shall not be liable for any financial loss, tax liability, investment loss, or other damages arising from your reliance on data presented by the Service.

10. Service availability and modifications

We endeavour to make the Service available at all times but do not guarantee continuous, uninterrupted, or error-free availability. Specifically:

• We do not provide any uptime guarantee or service level agreement. • We may perform scheduled maintenance with advance notice where practicable, or emergency maintenance without notice, during which the Service may be partially or fully unavailable. • We reserve the right to modify, update, enhance, limit, or remove any feature or functionality of the Service at any time, with or without notice. • We reserve the right to suspend or permanently discontinue the Service in whole or in part at any time, with or without notice, and without liability to you. • Where we plan to permanently discontinue the Service, we will make reasonable efforts to notify registered users at least 30 days in advance via email to their registered address, though this is not guaranteed.

We are not liable for any loss, damage, inconvenience, or cost arising from unavailability, modification, suspension, or discontinuation of the Service.

11. Disclaimer of warranties

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW IN YOUR JURISDICTION, THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO:

• Implied warranties of merchantability, satisfactory quality, or fitness for a particular purpose • Implied warranties of title or non-infringement of third-party rights • Warranties that the Service will meet your specific requirements, expectations, or needs • Warranties that the Service will be uninterrupted, timely, secure, or free from errors or defects • Warranties regarding the accuracy, reliability, currentness, or completeness of any data, content, or information displayed by or accessible through the Service • Warranties that defects in the Service will be corrected

SOME JURISDICTIONS DO NOT PERMIT THE EXCLUSION OF IMPLIED WARRANTIES. IF YOU ARE A CONSUMER IN SUCH A JURISDICTION (INCLUDING CONSUMERS IN AUSTRALIA UNDER THE AUSTRALIAN CONSUMER LAW, CONSUMERS IN THE UNITED KINGDOM UNDER THE CONSUMER RIGHTS ACT 2015, OR CONSUMERS IN THE EU UNDER APPLICABLE CONSUMER PROTECTION DIRECTIVES), SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU AND YOU MAY HAVE ADDITIONAL STATUTORY RIGHTS THAT CANNOT BE EXCLUDED OR WAIVED.

12. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL MYEXPENSE, ITS OPERATORS, OWNERS, AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, CONTRACTORS, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY:

• Indirect, incidental, special, consequential, exemplary, or punitive damages of any nature • Loss of profits, revenue, business, contracts, anticipated savings, or business opportunities • Loss, corruption, or unavailability of data or information • Loss of goodwill, reputation, or business relationships • Cost of procuring substitute or replacement services • Damages arising from your use of, or inability to use, the Service • Damages arising from unauthorised access to or alteration of your data • Any other pecuniary or non-pecuniary loss of any nature

THIS LIMITATION APPLIES REGARDLESS OF THE LEGAL THEORY UNDER WHICH DAMAGES ARE SOUGHT (WHETHER IN CONTRACT, TORT INCLUDING NEGLIGENCE, STRICT LIABILITY, STATUTORY LIABILITY, EQUITY, OR OTHERWISE) AND REGARDLESS OF WHETHER MYEXPENSE HAS BEEN ADVISED OF OR WAS AWARE OF THE POSSIBILITY OF SUCH DAMAGES.

BECAUSE MYEXPENSE IS PROVIDED TO YOU FREE OF CHARGE AND AT NO COST, OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE — WHETHER IN CONTRACT, TORT, EQUITY, STATUTE, OR OTHERWISE — SHALL NOT EXCEED THE GREATER OF: (A) THE TOTAL AMOUNT YOU HAVE PAID TO MYEXPENSE IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM (WHICH, FOR FREE USERS, SHALL BE ZERO); OR (B) USD $0.00 (ZERO US DOLLARS).

CONSUMERS IN JURISDICTIONS WHERE LIABILITY CANNOT BE LIMITED TO ZERO BY APPLICABLE LAW (INCLUDING EU MEMBER STATES, THE UNITED KINGDOM, AUSTRALIA, AND NEW ZEALAND) MAY HAVE STATUTORY RIGHTS THAT OVERRIDE PARTS OF THIS LIMITATION. IN SUCH JURISDICTIONS, OUR LIABILITY SHALL BE LIMITED TO THE MINIMUM EXTENT REQUIRED BY APPLICABLE LAW.

13. Indemnification

You agree to indemnify, defend, and hold harmless Myexpense and its operators, owners, officers, directors, employees, contractors, affiliates, licensors, and agents (collectively, "Indemnified Parties") from and against any and all claims, demands, actions, proceedings, liabilities, damages, losses, penalties, fines, costs, and expenses (including reasonable legal fees and disbursements) arising out of or in connection with:

(a) your access to or use of the Service; (b) your breach or alleged breach of any provision of these Terms; (c) your User Content, including any claim that your User Content infringes or misappropriates any third-party intellectual property, privacy, or other rights; (d) your violation of any applicable law, regulation, or third-party right; (e) any misrepresentation made by you in connection with your use of the Service.

We reserve the right to assume exclusive control of the defence of any matter subject to indemnification by you. You agree to cooperate fully with us in asserting any available defences.

14. Intellectual property

The Service, including all of its design, user interface, source code, software, algorithms, databases, content, features, functionality, documentation, trademarks, service marks, logos, and brand elements ("Myexpense IP"), is and shall remain the exclusive property of Myexpense and its licensors, protected by applicable intellectual property laws including copyright, trademark, patent, and trade secret laws worldwide.

These Terms do not grant you any rights to use any Myexpense IP except the limited right to access and use the Service for your personal, non-commercial purposes in accordance with these Terms. Any other use requires our prior express written permission.

You may not: copy, reproduce, republish, upload, post, transmit, resell, modify, adapt, translate, prepare derivative works from, distribute, display, or exploit any portion of the Service without our prior written consent.

If you believe any content on the Service infringes your intellectual property rights, please contact us at hello@myexpense.org with full details of your claim.

15. Third-party links and services

The Service integrates with or links to certain third-party services, including Google OAuth for authentication. The Service may also contain hyperlinks to external websites or resources not operated or controlled by us.

We are not responsible for and make no representations or warranties regarding: (a) the availability, accuracy, or content of third-party services or websites; (b) the privacy practices, terms, or security of third-party services; or (c) any products, services, or information provided by third parties.

Your access to and use of third-party services is entirely at your own risk and is governed solely by the terms and privacy policies of those third parties. We encourage you to review the terms and privacy policies of all third-party services you use in connection with Myexpense.

We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services.

16. Account termination

You may close your account at any time by using the account deletion feature in Settings within Myexpense, or by sending a deletion request to hello@myexpense.org. Upon confirmed deletion, all your personal data and User Content will be permanently removed from our systems within 30 days.

We reserve the right to suspend, restrict, or permanently terminate your account, with or without notice, at our sole discretion if:

• You violate any provision of these Terms or our Privacy Policy • We reasonably suspect fraudulent, abusive, or harmful activity associated with your account • Your account poses or may pose a security risk to the Service or other users • We are required to do so by applicable law, court order, or regulatory authority • We decide to permanently discontinue the Service

Upon termination of your account for any reason: (a) all rights granted to you under these Terms will immediately cease; (b) you must stop all use of the Service; and (c) your User Content will be permanently deleted within 30 days.

We are not liable for any loss or damage arising from suspension or termination of your account, including any loss of access to your User Content.

17. International users and jurisdictional compliance

Myexpense is accessible globally and we are committed to respecting applicable data protection and privacy laws across all jurisdictions from which the Service is accessed. The following provisions apply to users in specific regions. In the event of conflict between a regional provision and the general Terms, the regional provision shall prevail to the extent required by applicable law in your jurisdiction.

European Union and European Economic Area (EU/EEA) — GDPR

Regulation (EU) 2016/679

If you are located in the EU or EEA, the General Data Protection Regulation (GDPR) applies to our processing of your personal data. Under GDPR you have the following rights, exercisable by contacting hello@myexpense.org: • Right of access (Art. 15): obtain a copy of personal data we hold about you. • Right to rectification (Art. 16): request correction of inaccurate or incomplete data. • Right to erasure / "right to be forgotten" (Art. 17): request deletion of your data where no legitimate basis for continued processing exists. • Right to restriction of processing (Art. 18): request that we limit how we process your data. • Right to data portability (Art. 20): receive your data in a machine-readable format and transmit it to another controller. • Right to object (Art. 21): object to processing based on legitimate interests or for direct marketing. • Right not to be subject to automated decision-making (Art. 22): we do not use automated individual decision-making or profiling that produces legal or similarly significant effects. • Right to lodge a complaint with a supervisory authority: you may complain to the data protection authority in your EU/EEA member state. Our legal bases for processing your personal data include: (a) contract performance — processing necessary to provide the Service; (b) legitimate interests — security, fraud prevention, and product improvement; (c) legal obligation — compliance with applicable law; and (d) consent — for optional communications. We process your data in India; cross-border transfers to India from the EEA are made on the basis of Standard Contractual Clauses or other applicable safeguards where required. Minimum age for EU/EEA users: 16 years (or lower if your member state provides for it, minimum 13).

United Kingdom — UK GDPR

UK GDPR + Data Protection Act 2018

If you are located in the United Kingdom, the UK GDPR and the Data Protection Act 2018 apply. Your rights under UK GDPR mirror those under EU GDPR (see above). You may lodge a complaint with the Information Commissioner's Office (ICO) at ico.org.uk. The minimum age for UK users is 13 years. Cross-border data transfers from the UK are made under the UK International Data Transfer Agreement (UK IDTA) or other applicable UK-approved transfer mechanisms.

United States — CCPA / CPRA, COPPA, State Laws

California Consumer Privacy Act / Children's Online Privacy Protection Act

California residents: Under the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA), you have the right to: (1) know what personal information we collect, use, disclose, and sell; (2) request deletion of your personal information; (3) opt out of the "sale" or "sharing" of your personal information (we do not sell or share your personal information); (4) non-discrimination for exercising your privacy rights; and (5) correct inaccurate personal information. To exercise these rights, contact us at hello@myexpense.org. Children's Online Privacy Protection Act (COPPA): The Service is not directed at children under 13 years of age. We do not knowingly collect personal information from children under 13. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately. Other US state privacy laws: Users in Virginia (VCDPA), Colorado (CPA), Connecticut (CTDPA), Texas (TDPSA), Montana (MCDPA), Iowa (ICDPA), Indiana (IDPL), Tennessee (TIPA), and other states with applicable consumer privacy legislation may exercise similar rights as described above by contacting us at hello@myexpense.org. We will respond within the applicable statutory timeframe. The Service is not directed at US residents in sanctioned or embargoed states. See Section 20 (Export Controls and Sanctions).

Canada — PIPEDA / Quebec Law 25

Personal Information Protection and Electronic Documents Act / Quebec Law 25

Canadian residents: The Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy laws govern our processing of your personal information. You have the right to access personal information we hold about you and to request correction of inaccurate information. Quebec residents are additionally protected by Law 25 (Act to modernize legislative provisions as regards the protection of personal information), which grants rights including the right to data portability and the right to erasure. To exercise your rights, contact hello@myexpense.org. We will respond within 30 days. Where we transfer your data outside Canada, we ensure equivalent protections are applied.

Australia and New Zealand

Privacy Act 1988 (Cth) / Australian Privacy Principles / Privacy Act 2020 (NZ)

Australian residents: Our handling of your personal information is governed by the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). You have the right to access and correct personal information we hold about you. You may also complain to the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au if you believe we have interfered with your privacy. Under the Australian Consumer Law (Schedule 2, Competition and Consumer Act 2010), you may have statutory consumer guarantees that cannot be excluded. Our liability for breach of such guarantees is limited to the maximum extent permitted by law, which may include re-supply of the Service or payment of the cost of re-supply. New Zealand residents: Our handling of your personal information is governed by the Privacy Act 2020 (NZ). You may complain to the Office of the Privacy Commissioner (OPC) at privacy.org.nz. Minimum age for Australian and New Zealand users: 13 years.

Brazil — LGPD

Lei Geral de Proteção de Dados (Law 13,709/2018)

Brazilian residents: The Lei Geral de Proteção de Dados (LGPD) governs our processing of your personal data. You have the right to: confirmation of processing; access to your data; correction of incomplete, inaccurate, or outdated data; anonymisation, blocking, or deletion of unnecessary or excessive data; data portability; information about third parties with whom we share your data; information about your right to refuse consent; and revocation of consent. You may also lodge a complaint with the Autoridade Nacional de Proteção de Dados (ANPD). To exercise your rights, contact hello@myexpense.org. The minimum age for Brazilian users is 18 years, or 16 years with parental consent.

India — DPDP Act

Digital Personal Data Protection Act 2023

Indian residents: The Digital Personal Data Protection Act 2023 (DPDP Act) governs the processing of your digital personal data. As a Data Fiduciary, we process your data lawfully on the basis of your consent and for legitimate uses. You have the right to: (a) access information about your personal data being processed; (b) correction and erasure of your personal data; (c) grievance redressal; and (d) nominate another individual to exercise rights on your behalf in the event of death or incapacity. To exercise your rights or file a grievance, contact our Grievance Officer at hello@myexpense.org. The minimum age for Indian users is 18 years; users under 18 require verifiable parental consent.

Japan — APPI

Act on the Protection of Personal Information (APPI)

Japanese residents: The Act on the Protection of Personal Information (APPI) governs our handling of your personal information. You have the right to request disclosure, correction, addition, deletion, and suspension of use of your personal information. To exercise these rights, contact hello@myexpense.org. When transferring personal information outside Japan, we take steps to ensure adequate protection consistent with APPI requirements.

South Korea — PIPA

Personal Information Protection Act (PIPA)

South Korean residents: The Personal Information Protection Act (PIPA) applies to our processing of your personal information. You have the right to access, correct, delete, and suspend processing of your personal information. The minimum age for South Korean users is 14 years. Users under 14 require verifiable consent from a legal representative. To exercise your rights, contact hello@myexpense.org. You may also file a complaint with the Personal Information Protection Commission (PIPC) or the Korea Internet & Security Agency (KISA).

Singapore — PDPA

Personal Data Protection Act 2012 (PDPA)

Singapore residents: The Personal Data Protection Act 2012 (PDPA) governs our collection, use, and disclosure of your personal data. You have the right to access and correct personal data we hold about you, and to withdraw consent to our processing of your personal data (subject to legal and contractual restrictions). You may lodge a complaint with the Personal Data Protection Commission (PDPC) at pdpc.gov.sg. Contact hello@myexpense.org to exercise your rights.

China — PIPL

Personal Information Protection Law (PIPL, effective Nov 2021)

China residents: The Personal Information Protection Law (PIPL) governs our processing of your personal information. You have the right to: know about and decide on the processing of your personal information; access and copy your personal information; correct inaccurate personal information; request deletion of personal information; and withdraw consent. Cross-border transfers of personal information to China or from China may be subject to additional regulatory requirements under PIPL and related regulations. To exercise your rights, contact hello@myexpense.org.

Thailand — PDPA

Personal Data Protection Act B.E. 2562 (2019)

Thai residents: The Personal Data Protection Act B.E. 2562 (2019) (PDPA) governs our processing of your personal data. You have the right to access, rectify, delete, restrict, and port your personal data, and to object to processing. You may lodge a complaint with the Personal Data Protection Committee (PDPC) of Thailand. Contact hello@myexpense.org to exercise your rights.

Philippines — Data Privacy Act

Republic Act No. 10173 (Data Privacy Act of 2012)

Philippine residents: The Data Privacy Act of 2012 (DPA) and its Implementing Rules and Regulations govern our processing of your personal information. You have the right to be informed, to access, to correct, to erasure or blocking, to file a complaint, to damages, and to data portability. You may lodge a complaint with the National Privacy Commission (NPC) at privacy.gov.ph. Contact hello@myexpense.org to exercise your rights.

Indonesia — PDP Law

Law No. 27 of 2022 on Personal Data Protection

Indonesian residents: The Personal Data Protection Law (UU PDP, Law No. 27 of 2022) governs our processing of your personal data. You have the right to access, correct, update, delete, and withdraw consent for the processing of your personal data. Contact hello@myexpense.org to exercise your rights.

Malaysia — PDPA

Personal Data Protection Act 2010

Malaysian residents: The Personal Data Protection Act 2010 (PDPA) governs our processing of your personal data. You have the right to access and correct your personal data. To exercise your rights, contact hello@myexpense.org.

South Africa — POPIA

Protection of Personal Information Act 4 of 2013

South African residents: The Protection of Personal Information Act 4 of 2013 (POPIA) governs our processing of your personal information. You have the right to: be notified of the collection of your personal information; access your personal information; request correction or deletion of your personal information; object to processing; and lodge a complaint with the Information Regulator (South Africa) at inforegulator.org.za. Contact hello@myexpense.org to exercise your rights.

United Arab Emirates — PDPL

Federal Decree-Law No. 45 of 2021 on Personal Data Protection

UAE residents: The Federal Decree-Law No. 45 of 2021 on Personal Data Protection (PDPL) governs our processing of your personal data. You have the right to access, correct, and request deletion of your personal data. To exercise your rights, contact hello@myexpense.org.

Saudi Arabia — PDPL

Personal Data Protection Law (Royal Decree M/19, 2021)

Saudi Arabian residents: The Personal Data Protection Law (PDPL), issued by Royal Decree M/19, governs our processing of your personal data. You have the right to access your personal data, request correction, request deletion, and withdraw consent. To exercise your rights, contact hello@myexpense.org.

Turkey — KVKK

Law No. 6698 on the Protection of Personal Data

Turkish residents: Law No. 6698 on the Protection of Personal Data (KVKK) governs our processing of your personal data. You have the right to: learn whether your personal data is processed; request information about the purpose of processing; know whether data is transferred abroad; request correction, deletion, or destruction; request notification of corrections or deletions to third parties; object to adverse results arising from automated processing; and claim compensation for damages. Contact hello@myexpense.org to exercise your rights or file a complaint with the Personal Data Protection Authority (KVKK) of Turkey.

Mexico — LFPDPPP

Ley Federal de Protección de Datos Personales en Posesión de los Particulares

Mexican residents: The Ley Federal de Protección de Datos Personales en Posesión de los Particulares (LFPDPPP) governs our processing of your personal data. You have ARCO rights: Access, Rectification, Cancellation, and Opposition. To exercise your ARCO rights, contact hello@myexpense.org. You may also file a complaint with the Instituto Nacional de Transparencia, Acceso a la Información y Protección de Datos Personales (INAI).

Brazil, Colombia, Argentina, Chile — Regional Latin America

LGPD (Brazil) / Ley 1581 (Colombia) / LPDP (Argentina) / Law 19,628 (Chile)

In addition to the Brazil-specific LGPD section above: Colombian residents are protected by Ley 1581 de 2012 (Statutory Law on Personal Data Protection) and have the right to know, update, rectify, and delete their personal data, and to revoke authorisation for processing. Argentine residents are protected by the Personal Data Protection Law (PDPA, Law 25,326) and have the right to access, rectify, and delete their personal data. Chilean residents are protected by Law 19,628 on the Protection of Private Life (and the forthcoming Data Protection Law). In all cases, contact hello@myexpense.org to exercise your rights under applicable local law.

Israel — Privacy Protection Law

Privacy Protection Law 5741-1981 and Regulations

Israeli residents: The Privacy Protection Law 5741-1981 and its regulations govern our processing of your personal data. You have the right to access and correct personal data we hold about you. To exercise your rights, contact hello@myexpense.org. You may also file a complaint with the Privacy Protection Authority (PPA) of Israel.

Other jurisdictions

General international data protection principles

For users in jurisdictions not specifically listed above — including but not limited to Kenya (Data Protection Act 2019), Nigeria (Nigeria Data Protection Regulation / NDPR), Ghana (Data Protection Act 2012), Egypt (Personal Data Protection Law No. 151 of 2020), Pakistan (PDPA 2023), Sri Lanka, Bangladesh, Vietnam (PDPD), Taiwan (PDPA), Hong Kong (PDPO), Macau, Switzerland (nFADP), Norway, Iceland, Liechtenstein (EEA-GDPR equivalent), Russia (Federal Law No. 152-FZ), and all other countries — we apply the following baseline principles consistent with internationally recognised data protection standards: • We collect only the minimum personal data necessary to provide the Service. • We process your data lawfully, fairly, and transparently. • We retain your data only as long as necessary. • We implement appropriate security measures to protect your data. • We respect your right to access, correct, and request deletion of your personal data. • We do not sell your personal data to any third party. To exercise any data rights applicable under the law of your jurisdiction, contact hello@myexpense.org.

18. Export controls and sanctions compliance

The Service may be subject to export control laws and regulations, including the Export Administration Regulations (EAR) of the United States and trade sanctions administered by the U.S. Office of Foreign Assets Control (OFAC), the European Union, the United Nations, and other applicable authorities.

You agree that you will not use, export, re-export, or transfer the Service, directly or indirectly, to: (a) any country, territory, or region subject to comprehensive economic sanctions (currently including Cuba, Iran, North Korea, Russia, Syria, and the Crimea, Donetsk, and Luhansk regions of Ukraine, subject to change); (b) any person or entity listed on any applicable government sanctions, denied party, or restricted entity list; or (c) any end-use that is prohibited under applicable export control or sanctions laws.

By using the Service, you represent and warrant that you are not located in a sanctioned country, you are not a sanctioned person or entity, and your use of the Service complies with all applicable export control and sanctions laws.

19. Electronic communications

By registering for and using the Service, you consent to receive communications from us electronically, including by email and through notices posted within the Service. You agree that all agreements, notices, disclosures, and other communications that we provide electronically satisfy any legal requirement that such communications be in writing.

Transactional emails (account verification, password reset, security alerts, bill reminders) are sent as part of the core Service and cannot be unsubscribed from while your account remains active. Marketing or product update emails are optional and include an unsubscribe link in every email.

20. Force majeure

We shall not be liable for any delay, failure, or non-performance of any obligation under these Terms to the extent caused by circumstances beyond our reasonable control, including but not limited to: acts of God; natural disasters (earthquakes, floods, hurricanes, fires); pandemics or epidemics; acts of war, terrorism, or civil unrest; government actions, sanctions, embargoes, or regulatory changes; strikes or labour disputes; power failures; internet outages or failures of telecommunications infrastructure; failures of third-party service providers; or any other event of force majeure.

In the event of a force majeure event, we will use reasonable efforts to notify you and to resume normal Service operations as soon as practicable. If the force majeure event continues for more than 90 days, either party may terminate the agreement by giving written notice to the other.

21. Changes to terms

We may update, modify, or replace these Terms at any time. When we make changes, we will:

• Update the "Last updated" date at the top of this page. • Post the revised Terms at myexpense.org/terms. • For material changes that significantly affect your rights or obligations, notify you via email to your registered address at least 14 days before the changes take effect (where required by applicable law, a longer notice period may apply).

Your continued use of the Service after the effective date of the revised Terms constitutes your binding acceptance of the changes. If you do not agree to the revised Terms, you must stop using the Service and may request account deletion at hello@myexpense.org.

We encourage you to review these Terms periodically.

22. Governing law and dispute resolution

These Terms and any dispute, claim, or controversy arising out of or in connection with these Terms or the Service (including disputes regarding their existence, validity, or termination) shall be governed by and construed in accordance with the laws of India, without regard to its choice of law principles.

Notwithstanding the foregoing, consumers in the EU, UK, Australia, and other jurisdictions may have mandatory rights under applicable consumer protection or data protection laws that cannot be overridden by contractual choice of law provisions. Nothing in these Terms limits those mandatory rights.

Dispute resolution process: 1. Informal resolution: Before initiating any formal proceeding, you agree to contact us at hello@myexpense.org to attempt to resolve the dispute informally. We will attempt to resolve the dispute within 30 days. 2. Formal proceedings: If the dispute is not resolved informally, it shall be submitted to the courts of competent jurisdiction in India. 3. Class action waiver: To the extent permitted by applicable law, you waive any right to bring or participate in any class action, collective action, or representative action against Myexpense. 4. Jury trial waiver: To the extent permitted by applicable law, you waive any right to a trial by jury.

Users in the EU may also use the European Commission's Online Dispute Resolution platform at ec.europa.eu/consumers/odr. Users in the UK may use the Financial Ombudsman Service or other applicable ADR schemes where relevant.

23. Severability and waiver

If any provision of these Terms is held by a court or arbitrator of competent jurisdiction to be invalid, illegal, unenforceable, or in conflict with any applicable law, that provision shall be modified to the minimum extent necessary to make it enforceable, or severed from these Terms if modification is not possible. The remaining provisions shall continue in full force and effect and shall not be affected by the invalid or severed provision.

Our failure or delay in exercising any right, power, or privilege under these Terms shall not constitute a waiver of that right, power, or privilege. No waiver of any provision of these Terms shall be effective unless it is in writing and signed by an authorised representative of Myexpense.

24. Assignment

You may not assign, transfer, delegate, or sublicense any of your rights or obligations under these Terms without our prior written consent. Any purported assignment in violation of this provision shall be null and void.

We may freely assign our rights and obligations under these Terms in connection with a merger, acquisition, corporate reorganisation, sale of all or substantially all of our assets, or by operation of law, without notice to or consent from you. These Terms shall be binding upon and inure to the benefit of the parties and their respective successors and permitted assigns.

25. Entire agreement

These Terms, together with our Privacy Policy (available at myexpense.org/privacy) and any other legal notices or policies published by us on the Service, constitute the entire and exclusive agreement between you and Myexpense with respect to the Service and supersede all prior or contemporaneous negotiations, representations, warranties, agreements, or understandings, whether written or oral, relating to the subject matter hereof.

Any terms, conditions, or provisions in any purchase order, acknowledgement, or other document you provide that are different from or in addition to these Terms are objected to and shall have no legal effect.

26. Contact and grievance redressal

If you have any questions, concerns, or requests relating to these Terms or the Service, please contact us:

Email: hello@myexpense.org

Website: myexpense.org/contact

Indian users may also contact our Grievance Officer for DPDP Act-related concerns at the same email address. We aim to respond to all enquiries within 2 business days.