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Terms & Conditions

Use Expense Hunt for your own finances. It helps you track money, but it isn’t financial advice. Keep a backup, check what the AI suggests, and manage any subscription in Google Play.

Effective and last updated: 25 October 2026Version 2026-10-25

1. Agreement & who can use it

These terms are an agreement between you and ThinkerCart for the Expense Hunt: AI Money Tracker app and this website. By installing or using the app you accept these terms and our Privacy Policy. If you do not agree, please do not use the app.

Expense Hunt is suitable for all ages (3 and over). If you are under the age of majority where you live, please use the app with a parent or guardian, who is responsible for these terms on your behalf. Premium subscriptions, AI provider keys and Google accounts must be set up by an adult or with an adult’s permission, and those services have their own age requirements.

2. What Expense Hunt is

Expense Hunt is a personal record-keeping and budgeting tool that stores your data on your phone. It is not a bank, lender, payment service, wallet, broker, investment platform or insurance product. It does not move money, connect to your bank accounts, make payments, give loans or hold funds. Entries such as “UPI”, “card” or “investment” are labels you choose to organise your records.

3. Not financial advice

Please read

Figures, reports, budgets, net-worth values, debt-payoff plans, insights and AI suggestions are tools to help you organise your own information. They are not financial, tax, legal, accounting or investment advice, and we are not a registered investment adviser or tax professional. Check important numbers yourself and speak to a qualified professional before making financial decisions.

4. AI assistant

  • The assistant works with an AI provider you choose, using your own API key. You are responsible for that key, your agreement with the provider, and any charges the provider makes.
  • What you submit (text, a voice transcript, or a receipt photo, plus today’s date and your category and account names) is sent from your phone to that provider, as described in the Privacy Policy. Do not submit information you do not want that provider to receive.
  • AI output can be wrong, incomplete or misread a receipt. The app shows you what will be saved and asks you to confirm. Please check amounts, dates and categories before you confirm.
  • Do not use the assistant to create unlawful, harmful or misleading content. If a reply seems inappropriate, tell us at support@thinkercart.com.

5. Your data & backups

Your data lives on your phone and belongs to you. We cannot see it or restore it for you. You are responsible for keeping backups: use Google Drive backup (Premium) or export a backup file (free). If you lose or reset your phone without a backup, or forget a backup passphrase, the data cannot be recovered by us or anyone else.

6. Premium subscription

Premium is an optional subscription sold through Google Play. Free features remain free.

  • What Premium includes: automatic Google Drive backup, restoring from Drive, full PDF reports, automatically posted recurring payments, and app lock. The list shown in the app at the time you subscribe is the one that applies. We may add features to Premium or the free tier over time.
  • Price and billing: the price, billing period (monthly or yearly), any free trial and taxes are shown in Google Play before you confirm, in your local currency. Payment is taken by Google Play, not by us.
  • Auto-renewal: subscriptions renew automatically at the then-current price until you cancel. To avoid the next charge, cancel at least 24 hours before the renewal date.
  • Free trials: if a trial is offered, its length and the price after it are shown before you start. Unless you cancel before the trial ends, the subscription begins and you will be charged.
  • How to cancel: Google Play → profile icon → Payments & subscriptions → Subscriptions → Expense Hunt → Cancel subscription, or use the link in the app under Settings → Premium. Cancelling stops future renewals; Premium stays active until the end of the period you paid for. Uninstalling the app does not cancel it.
  • Refunds: purchases are handled under Google Play’s refund policy. Nothing in these terms limits any refund or cancellation right you have under law. If you need help, email us with your order ID.
  • Price changes: if the price changes, Google Play notifies you and, where required, asks for your consent before the new price applies.
  • Restoring: use Restore purchases on the Premium screen if you reinstall or change phone with the same Google account.
  • If Premium ends: your data is never held back. Everything you entered stays on your phone and available, you can export it as CSV, and you can restore backup files you saved. Premium-only features simply switch off.

7. Acceptable use

Use the app only for your own lawful, personal purposes. Do not copy, resell, reverse-engineer (except where the law allows), interfere with, or misuse the app, its licensing or Premium checks, or use it to record or facilitate unlawful activity.

8. Ownership & licence

We grant you a personal, non-exclusive, non-transferable, revocable licence to install and use the app on your devices, subject to these terms and Google Play’s terms. The app, its name, logo and design belong to ThinkerCart or its licensors. Your data remains yours. Open-source components are used under their own licences.

9. Third-party services

Google (Drive, Play), your chosen AI provider, RevenueCat and Cloudflare are run by other companies under their own terms and privacy policies. We are not responsible for their availability, accuracy or conduct, but we choose them with care and describe each use in our Privacy Policy.

10. Changes to the app

We may update, add or remove features, and may stop offering the app. If we discontinue Premium features you have paid for, we will give reasonable notice and, where the law or Google Play’s policies require, a refund for the unused period.

11. Disclaimer

Subject to your legal rights, the app is provided “as is” and “as available”. We work to keep it reliable, but we do not promise that it will be uninterrupted, error-free, or that calculations and AI output will be accurate for your situation.

12. Limitation of liability

To the fullest extent the law allows, ThinkerCart is not liable for indirect, incidental or consequential losses, or for losses caused by data you entered, AI output, third-party services, lost phones or lost backups or forgotten passphrases. Our total liability for any claim relating to the app is limited to the amount you paid us for Premium in the 12 months before the claim. Nothing in these terms excludes or limits liability that cannot be excluded by law, or any right you have under consumer-protection law, including the Consumer Protection Act, 2019 (India).

13. Ending use

You can stop using the app at any time by uninstalling it (see Data deletion to erase your data first). We may suspend or end access to Premium if you seriously or repeatedly breach these terms or misuse the licensing system, after notice where reasonable.

14. Governing law & disputes

These terms are governed by the laws of India. Courts in India have jurisdiction, but if you are a consumer you may also bring a claim in the courts of your place of residence where mandatory local law gives you that right. We encourage you to contact us first at support@thinkercart.com so we can try to resolve the issue informally.

15. Changes to these terms

We may update these terms. The new version and date will appear here and in the app. If a change is material, we will tell you in the app before it applies to you. Continuing to use the app after that means you accept the new terms; if you don’t, you can stop using it and cancel any subscription.

16. Contact

ThinkerCart · support@thinkercart.com · thinkercart.com