End-user licence agreement

Please read these terms carefullyBy downloading, installing, accessing, or using BillFoldify, you agree to this End-User Licence Agreement. If you do not agree, do not use the application.

1. Who we are and what this agreement covers

This End-User Licence Agreement (the “Agreement”) is between you and Rhombus Technologies Pte. Ltd., Singapore, doing business as BillFoldify (“BillFoldify”, “we”, “us”, or “our”). It governs the BillFoldify mobile application, its updates, and the related services that we provide through it (together, the “App”).

BillFoldify is a personal-finance organisation tool. Depending on the version and features available to you, the App may help you record income and expenses, organise financial accounts and categories, create budgets and savings goals, schedule recurring items, review analytics, manage personal or shared profiles, and process receipts or invoices.

2. Eligibility and acceptance

You may use the App only if you can enter into a legally binding agreement under the laws applicable to you. If you are below the age at which you may form a binding contract, a parent or legal guardian must review and accept this Agreement for you and supervise your use of the App.

You represent that the registration information you provide is accurate and that you will keep it current. You must not create an account for another person without their authority.

3. Personal-finance information only

BillFoldify is not a bank, payment service, lender, broker, investment adviser, tax adviser, accountant, or financial planner. The App does not hold or transfer money and does not provide financial, investment, legal, accounting, or tax advice.

Budgets, forecasts, analytics, categories, extracted document fields, and other outputs are informational tools based on the data available to the App. They may be incomplete, delayed, or inaccurate. You are responsible for reviewing your records and for any financial decision or filing you make. Seek advice from a qualified professional where appropriate.

4. Your account and security

• You are responsible for activity performed through your account and for keeping your credentials and devices secure.
• Do not share passwords, one-time codes, or authentication tokens. Notify us promptly at reachus@billfoldify.com if you believe your account has been compromised.
• We may require identity or ownership verification before processing sensitive account requests.
• You must use only accounts, records, documents, and financial information that you own or are authorised to manage.

5. Licence grant

Subject to this Agreement, we grant you a limited, personal, revocable, non-exclusive, non-transferable, and non-sublicensable licence to install and use the App for lawful personal purposes on devices that you own or control and as permitted by the applicable app store’s usage rules. On Apple platforms, eligible accounts may also use the App through Family Sharing or volume purchasing where Apple’s rules allow it.

The App is licensed, not sold. We and our licensors reserve all rights not expressly granted in this Agreement.

6. Restrictions and acceptable use

You must not:

• copy, modify, translate, distribute, rent, lease, sell, sublicense, or create derivative works from the App, except where applicable law expressly permits it;
• reverse engineer, decompile, disassemble, or attempt to discover the App’s source code, except where applicable law cannot validly restrict that activity;
• bypass security, authentication, access controls, rate limits, or feature restrictions;
• introduce malware, scrape the service, overload our systems, or interfere with another person’s use;
• access another person’s profile, account, document, or financial information without authorisation;
• upload unlawful, fraudulent, infringing, harmful, or misleading content; or
• use the App in violation of applicable law, sanctions, export controls, or third-party agreements.

7. Your content and financial records

You retain ownership of the information and materials that you submit to the App, including transaction details, account labels, notes, receipts, invoices, images, and profile information (“User Content”).

You grant us a limited, worldwide licence to host, process, reproduce, transmit, and display User Content only as reasonably necessary to operate, secure, support, and improve the App, comply with law, and fulfil your requests. This licence ends when the content is deleted from our active systems, except where retention is required by law or continues temporarily in protected backups.

You represent that you have the rights and permissions needed to provide User Content and that doing so does not violate another person’s privacy, confidentiality, contractual, or intellectual-property rights.

8. Receipt and invoice processing

The App may use optical character recognition, machine learning, or other automated processing to extract information from receipts, invoices, bank statements, or related documents. Automated extraction can misread dates, amounts, vendors, taxes, categories, or line items. You must review extracted information before relying on, saving, exporting, or sharing it.

Do not upload documents that you are not authorised to process. Avoid uploading unnecessary identification numbers, passwords, payment-card security codes, or other information that the App does not request.

9. Personal, family, and business profiles

The App may allow multiple profile types and selected sharing or invitation features. Capabilities vary by profile, role, version, and account permissions. Some features may remain available only in a personal profile.

• Invite only people whom you are authorised to include.
• Information added to a shared profile may be visible to other authorised members of that profile.
• Profile owners and members are responsible for granting appropriate access and for reviewing changes in membership or permissions.
• We may restrict a shared operation when the required ownership, permission, or service capability is unavailable.

10. Subscriptions, purchases, cancellations, and refunds

Some features may require a paid subscription or in-app purchase. Price, duration, trial, renewal, tax, and billing details are shown before purchase. Purchases made through Apple’s App Store or Google Play are processed by that store and are also subject to its payment and subscription terms.

You are responsible for managing or cancelling store-billed subscriptions through the applicable store account. Uninstalling the App or deleting your BillFoldify account does not automatically cancel a store subscription. Refund eligibility is determined by applicable law, the relevant store’s rules, and our Cancellation and Refund Policy.

11. Privacy and data protection

Our Privacy Policy explains how we collect, use, disclose, retain, and protect personal information. By using the App, you acknowledge that we will process information as described there and in notices presented within the App.

No security system is completely immune from risk. You are responsible for using a secure device, installing relevant operating-system updates, and protecting access to your email and authentication methods.

12. Third-party services

The App may rely on or link to services operated by third parties, such as app stores, identity providers, cloud hosting, document-processing services, or external websites. Their separate terms and privacy practices apply to your use of their services. You must comply with applicable third-party terms, including your device, network, and app-store agreements.

We do not control third-party services and are not responsible for their availability, content, or independent actions, except to the extent applicable law provides otherwise.

13. Updates, availability, and changes

We may provide updates, security fixes, feature changes, or new versions. Some updates may be required for continued use. Features may differ by platform, country, account type, or App version, and we may modify or discontinue a feature where reasonably necessary.

We do not guarantee uninterrupted or error-free availability. Maintenance, connectivity failures, third-party outages, security events, or circumstances beyond our reasonable control may affect the App.

14. Intellectual property and feedback

The App, branding, software, interface, documentation, and service content—excluding User Content—are owned by or licensed to BillFoldify and are protected by applicable intellectual-property laws.

If you provide suggestions or feedback, you grant us a worldwide, perpetual, irrevocable, royalty-free right to use that feedback without restriction or compensation, provided that this does not give us ownership of your User Content or personal information.

15. Suspension and termination

You may stop using the App at any time. We may suspend or terminate access if you materially breach this Agreement, create a security or legal risk, misuse the service, or if we are required to do so by law. Where reasonably possible and legally permitted, we will provide notice or an opportunity to remedy the issue.

When this Agreement terminates, your licence ends and you must stop using the App. Provisions that by their nature should survive—including intellectual property, disclaimers, liability limitations, dispute terms, and accrued obligations—will continue.

16. Account deletion

You may request deletion as described on the BillFoldify account-deletion page and through any deletion controls made available in the App. The page explains the current verification process, scheduled deletion period, reactivation window, data removed, and limited information that may be retained for legal, security, fraud-prevention, dispute, audit, or backup purposes.

Deleting an account does not cancel an external app-store subscription. Manage an active subscription separately through Apple or Google before deleting your account.

17. Disclaimers

To the fullest extent permitted by applicable law, the App is provided “as is” and “as available”. We disclaim warranties of merchantability, fitness for a particular purpose, accuracy, quiet enjoyment, non-infringement, and uninterrupted or error-free operation, except where a warranty cannot lawfully be excluded.

Nothing in this Agreement excludes statutory rights or warranties that cannot be excluded or limited under applicable consumer law.

18. Limitation of liability

To the fullest extent permitted by applicable law, BillFoldify and its directors, officers, employees, affiliates, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages; loss of profits, opportunity, goodwill, or data; or financial decisions made using the App.

Where liability cannot be excluded, our aggregate liability arising from the App or this Agreement will be limited to the greater of the amount you paid for the App during the twelve months before the event giving rise to the claim or the minimum amount required by applicable law.

Nothing in this Agreement limits liability for fraud, wilful misconduct, death or personal injury caused by negligence, or any other liability that applicable law does not permit us to limit.

19. Indemnity

To the extent permitted by law, you agree to indemnify BillFoldify against third-party claims, losses, and reasonable costs resulting from your unlawful use of the App, your material breach of this Agreement, or User Content that infringes another person’s rights. This obligation does not apply to the extent a claim results from our own breach, negligence, or misconduct.

20. Governing law and disputes

This Agreement is governed by the laws of Singapore, without regard to conflict-of-law rules. Courts of competent jurisdiction in Singapore will have jurisdiction, subject to any mandatory consumer-protection rights or dispute forum available to you under applicable law.

Before starting formal proceedings, you and BillFoldify agree to make a reasonable effort to resolve the dispute by written notice and good-faith discussion. This does not prevent either party from seeking urgent or injunctive relief.

21. Changes to this Agreement

We may update this Agreement to reflect changes in the App, law, security practices, or business operations. We will post the revised Agreement, update its effective date, and provide additional notice where required. If a change materially affects your rights, we may ask you to accept it before continuing to use the App.

22. Apple App Store terms

If you downloaded the App from Apple’s App Store, the following terms also apply:

• This Agreement is between you and Rhombus Technologies Pte. Ltd., not Apple. We, not Apple, are responsible for the App and its content.
• Apple has no obligation to provide maintenance or support for the App.
• If the App fails to conform to an applicable warranty, you may notify Apple and Apple may refund the purchase price paid for the App, if any. To the maximum extent permitted by law, Apple has no other warranty obligation for the App.
• We, not Apple, are responsible for addressing claims relating to the App, including product-liability, legal or regulatory compliance, consumer-protection, and privacy claims.
• We, not Apple, are responsible for the investigation, defence, settlement, and discharge of any third-party intellectual-property claim relating to the App.
• You represent that you are not located in a country subject to a United States Government embargo or designated as supporting terrorism, and that you are not listed on a United States Government prohibited or restricted-party list.
• You must comply with applicable third-party terms when using the App.
• Apple and its subsidiaries are third-party beneficiaries of this Agreement and may enforce these terms against you upon your acceptance.

23. Google Play terms

If you downloaded the App from Google Play, you acknowledge that this Agreement is between you and Rhombus Technologies Pte. Ltd., not Google. Google is not responsible for the App or for providing maintenance, support, or warranties. Your use of Google Play and any Google-processed purchase remains subject to the Google Play terms applicable to your account and location.

24. General terms

• Entire agreement. This Agreement, the Privacy Policy, the Cancellation and Refund Policy, and any additional terms shown for a specific feature form the agreement governing your use of the App.
• Severability. If a provision is held unenforceable, it will be modified to the minimum extent necessary or removed, and the remaining provisions will continue.
• No waiver. A delay in enforcing a right is not a waiver of that right.
• Assignment. You may not assign this Agreement without our consent. We may assign it in connection with a merger, reorganisation, sale of assets, or by operation of law, subject to applicable law.
• Electronic communications. You agree to receive notices electronically through the App, website, or the email associated with your account, where legally permitted.

25. Contact information