Terms of Service

By accessing or using PEXPE, you agree to these Terms of Service and our Privacy Policy.

If you do not agree, do not use the service.

You must be legally capable of entering into a binding agreement and comply with applicable laws.

You are responsible for maintaining accurate account information and safeguarding login credentials.

You are responsible for all activity under your account unless you promptly report unauthorized access.

PEXPE provides personal and household finance tools, including transaction tracking, budgeting, debt planning, reporting, imports, and collaborative household workflows.

Paid plans are billed according to the interval selected at checkout.

Subscriptions renew automatically unless canceled before the next renewal date.

Taxes may apply based on billing location and applicable law.

We may change pricing with advance notice where required by law.

Payment processing is handled by third-party processors; card details are not stored directly by PEXPE.

You retain ownership of the financial data and content you submit.

You grant PEXPE the limited rights necessary to host, process, and display your data to provide the service.

You are responsible for data accuracy, legality of uploaded content, and having rights to submit it.

The PEXPE service, software, interface, brand assets, and related materials are protected by intellectual property laws.

Except for rights expressly granted in these terms, no license or ownership transfer is implied.

Certain features may rely on third-party services such as payment processing, email delivery, or infrastructure providers.

Your use of those components may also be governed by their applicable terms and policies.

We may modify, improve, or discontinue features at any time, including for security, legal, or operational reasons.

We may perform scheduled or emergency maintenance that temporarily affects availability.

We do not guarantee uninterrupted or error-free operation at all times.

We may suspend or terminate access for material breaches, fraud, abuse, or security risks.

You may stop using the service at any time and request account closure.

Termination does not limit rights or obligations that by nature should survive, including payment and legal claims.

PEXPE is provided on an "as is" and "as available" basis, to the maximum extent permitted by law.

We do not provide financial, investment, tax, accounting, or legal advice. Any insights or calculations are informational only.

To the maximum extent permitted by law, PEXPE and its affiliates are not liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for loss of profits, revenue, goodwill, or data.

You agree to indemnify and hold harmless PEXPE from claims, liabilities, losses, and costs arising from your misuse of the service, your content, or your violation of these terms or applicable law.

These terms are governed by applicable laws of the jurisdiction in which PEXPE operates, unless mandatory consumer law provides otherwise.

Disputes will be handled by competent courts as required by applicable law.

We may update these Terms of Service from time to time.

Continued use of PEXPE after changes become effective constitutes acceptance of the updated terms.