Terms and Conditions

Last updated: April 23, 2025

These Terms and Conditions ("Terms") govern your access to and use of the services provided by expensy.io (the "Service"). By accessing or using the Service, you agree to be bound by these Terms. If you do not agree with any part of these Terms, do not use the Service.

1. Definitions

• "Operator" means expensy.io (a trading name of a sole trader based in the United Kingdom).
• "Service" means the receipt‑uploading, storage, and management platform offered via the website expensy.io and any associated mobile or desktop applications.
• "User", "you" or "your" means any person or entity accessing or using the Service.
• "Account" means the user account you create to access the Service.
• "Content" means any images, data, text, or other materials you upload, submit or transmit through the Service.

2. Acceptance of Terms

By registering for an Account or by otherwise using the Service, you affirm that you are over the age of 18, have full power and authority to enter into these Terms, and will comply with all applicable laws.

3. Registration and Account Security

1. Account Creation: You must provide accurate, current, and complete information when creating your Account.
2. Credentials: You are responsible for safeguarding your username and password. You agree not to disclose your credentials to any third party and must notify Operator immediately of any unauthorized use.

4. Service Description

The Service allows you to upload images of receipts for remote storage, organisation, and retrieval to facilitate expense tracking and tax management. Operator may modify, suspend, or discontinue the Service (or any part thereof) at any time without notice.

5. Fees and Payment

1. Subscription Plans: The Service is offered on a subscription basis. Details of plan tiers, fees, and billing cycles are published on our website.
2. Payment: You authorise Operator (or its payment processor) to charge your chosen payment method for all fees due.
3. Changes: Operator may modify its fees at any time, with changes taking effect at the start of your next billing cycle after notice.

6. Refund Policy

1. 14‑Day Refund Period: You may request a full refund of your subscription fees if you do so within fourteen (14) days of your initial purchase date, in accordance with Paddle's Buyer Terms.
2. How to Request a Refund: To request a refund, please email us at [email protected] within fourteen (14) days of purchase, providing your Account details and purchase reference.
3. Refund Processing: We will process approved refund requests within ten (10) business days and refund the amount to the original payment method.
4. Cancellations After Refund Period: Cancellations made after the fourteen (14) day period will take effect at the end of the then‑current billing cycle, and no pro‑rated refunds or credits will be issued for unused time.
5. Statutory Rights: Nothing in these Terms affects any statutory rights you may have under applicable law.

7. Use of the Service and Prohibited Conduct

You agree not to:

• Upload unlawful, infringing, or harmful Content.
• Reverse engineer, decompile, or otherwise attempt to derive source code.
• Interfere with the Service's operation or security.
• Use the Service to store or transmit viruses or malicious code.

8. User Content and License

1. Ownership: You retain all intellectual property rights in your Content.
2. License to Operator: By uploading Content, you grant Operator a worldwide, non‑exclusive, royalty‑free licence to host, store, and display your Content for the purpose of providing the Service.

9. Data Protection and Privacy

Operator's collection and use of personal data is governed by our Privacy Policy, available at https://expensy.io/privacy. By using the Service, you consent to such processing and warrant that all data you provide is accurate.

10. Cookie Policy

This website uses cookies to improve your experience. Cookies are small text files stored on your device that help us analyze website traffic, understand user preferences, and provide a more personalized experience.

What types of cookies do we use?

• Essential Cookies: These are necessary for the website to function properly. They enable basic functionalities like page navigation and access to secure areas.
• Analytical Cookies: These help us understand how visitors interact with our website by collecting information anonymously. This allows us to improve our website and services.
• Functional Cookies: These cookies enable the website to remember choices you make (such as your username or language preference) and provide enhanced, more personal features.
• Marketing Cookies: These cookies are used to track visitors across websites. The intention is to display ads that are relevant and engaging for the individual user.

Your Choices

You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. However, this may prevent you from taking full advantage of the website.

By using our website without changing your browser settings, you agree to our use of cookies as described in this policy.

11. Intellectual Property Rights

All rights, title, and interest in the Service (excluding User Content) are and will remain with Operator and its licensors. You may not copy, modify, distribute, or create derivative works based on the Service without express written permission.

12. Disclaimers

The Service is provided on an "as‑is" and "as‑available" basis. Operator disclaims all warranties, express or implied, including merchantability, fitness for a particular purpose, and non‑infringement.

13. Limitation of Liability

To the maximum extent permitted by law, Operator (and its officers, affiliates, and licensors) will not be liable for any indirect, incidental, special, consequential or punitive damages, or loss of profits or revenues, whether incurred directly or indirectly, arising from your access to or use of the Service.

14. Indemnification

You agree to indemnify and hold Operator harmless from any claims, damages, losses or expenses (including legal fees) arising out of your breach of these Terms or your use of the Service.

15. Termination

Operator may suspend or terminate your access to the Service at any time, with or without cause or notice. Upon termination, your right to access Content will cease, and Operator may delete or archive your data.

16. Changes to Terms

Operator may revise these Terms at any time. We will provide notice by posting updated Terms on the website. Continued use of the Service after any changes constitutes acceptance of the new Terms.

17. Governing Law and Jurisdiction

These Terms and any dispute arising out of or relating to them shall be governed by and construed in accordance with the laws of England and Wales. You agree to submit to the exclusive jurisdiction of the courts of England and Wales.

18. Severability

If any provision of these Terms is held to be unenforceable, the remaining provisions will remain in full force and effect.

19. Entire Agreement

These Terms, together with the Privacy Policy, constitute the entire agreement between you and Operator regarding the Service and supersede all prior agreements.

20. Contact Us

If you have any questions about these Terms, please contact us at:

expensy.io Support
[email protected]

End of Terms and Conditions