Terms of Use

1. Agreement

By downloading or using Masarefi ("the app"), you agree to these Terms of Use. If you do not agree, please do not use the app. If you downloaded the app from the Apple App Store, Apple's Licensed Application End User License Agreement also applies; where the two conflict, these terms govern to the extent Apple permits.

2. The Service

Masarefi helps you track your spending by reading bank transaction alerts and entries you add yourself. It is an informational tool. It is not a bank, a payment processor, or a financial advisor, and nothing in the app is financial advice.

3. Free Trial & Subscription

Adding transactions by hand, and everything already stored in the app, is free. Automatic import of bank messages is free for your first 10 messages, then requires a Masarefi Pro auto-renewable subscription, offered monthly or annually at the price shown in the app before you buy. Bank messages that arrive after the free imports are used wait on your device for up to 30 days and are imported if you subscribe. New subscribers get a 14-day free trial through Apple, once per Apple ID. Unless you cancel at least 24 hours before the trial ends, the subscription starts and your Apple ID is charged when the trial ends. If a subscription ends, everything already in the app stays available; only new automatic imports stop.

• Without a free trial, payment is charged to your Apple ID at confirmation of purchase.
• The subscription renews automatically unless cancelled at least 24 hours before the end of the current period. Your account is charged for renewal within 24 hours before the period ends.
• You can manage or cancel anytime in your App Store account settings. Refunds are handled by Apple under its policies.
• "Restore Purchases" in the app recovers an active subscription on any device signed in to the same Apple ID.

4. Accounts

An account is optional; the app works fully without one. If you create one, you are responsible for keeping your sign-in details secure. You can delete your account and its backed-up data at any time from the app.

5. Optional AI Features

If you turn on message understanding, the app sends bank message text with amounts, balances, card and account details, and dates removed to Google Gemini to identify the merchant and category, and - for a CliQ transfer the app could not read itself - which way the money went. That CliQ message includes the name of the other person in the transfer; amounts, balances, account details and dates are never sent. This is off until you allow it and can be turned off at any time. Results may be wrong; you can correct any category in the app. See our Privacy Policy for details.

6. Acceptable Use

You agree not to misuse the app, attempt to reverse-engineer it, interfere with its services, or use it for unlawful purposes.

7. Disclaimers

The app is provided "as is". Amounts, categories, totals, and insights are derived automatically from messages and may contain errors. Always verify against your official bank statements.

8. Limitation of Liability

To the extent permitted by law, Masarefi is not liable for indirect, incidental, or consequential damages arising from your use of the app.

9. Changes to These Terms

We may update these terms. If a change is material, we'll update the effective date above and, where practical, note it inside the app. Continued use after a change means you accept it.

10. Contact Us

Questions about these terms can be sent to support@masarefi.app.