Terms of Service
TERMS OF SERVICE - ALKANSYA.AI
Effective Date: October 18th, 2025
1. SERVICE DESCRIPTION
Alkansya.AI is an AI-powered expense tracking application that helps users categorize expenses, set financial goals, and receive personalized budgeting insights.
2. ACCEPTANCE OF TERMS
By using Alkansya.AI, you agree to these Terms of Service and our Privacy Policy. If you do not agree, please do not use our service.
3. USER ELIGIBILITY
You must be at least 13 years old to use Alkansya.AI. Users under 18 should have parental guidance when making financial decisions. By using our service, you represent that you meet this age requirement.
4. USER OBLIGATIONS
You agree to:
- Provide accurate expense information
- Use the service only for personal, non-commercial purposes
- Not attempt to reverse engineer or compromise our security
- Comply with all applicable laws
- Not share your account credentials
5. SERVICE AVAILABILITY
- Services are provided "as-is" and "as-available"
- We may modify, suspend, or discontinue features with reasonable notice
- We do not guarantee uninterrupted service availability
- We may perform maintenance that temporarily affects service
6. DISCLAIMERS
About Financial Guidance: Alkansya.AI provides personalized insights based on your spending patterns to help you make informed financial decisions.
While our AI is designed to give helpful guidance, always consider your unique situation and consult financial professionals for major decisions.
About AI Accuracy: Our AI continuously learns and improves, but may occasionally miscategorize expenses. You can easily correct any errors, and this helps make our AI smarter for everyone.
Your Financial Success: We're here to empower your financial journey, but your success depends on the actions you take based on our insights and recommendations.
7. LIMITATION OF LIABILITY
While we work hard to provide accurate insights and reliable service, Paradigm Tech Inc.'s liability for any issues arising from your use of Alkansya.AI is limited to the amount you've paid for the service in the past 12 months. This limitation is to the maximum extent permitted by Philippine law.
8. SUBSCRIPTION AND PAYMENTS
- Free trial: 7 days
- Monthly subscription: ₱149/month
- Annual subscription: ₱999/year (Save 44% vs monthly - that's over 5 months FREE!)
- Payments processed through Apple App Store or Google Play Store
- Refunds subject to platform policies and handled by Apple App Store or Google Play Store according to their respective refund policies
9. TERMINATION
- You may terminate your account anytime through our support email team@alkansya.app
- We may terminate accounts for Terms of Service violations
- Upon termination, data will be deleted within 30 days
10. GOVERNING LAW
These Terms are governed by the laws of the Republic of the Philippines. Any disputes will be resolved in Philippine courts.
11. MODIFICATIONS
We may modify these Terms with reasonable notice. Continued use constitutes acceptance of updated Terms.