Terms of Use

Acceptance

These Terms of Use (“Terms”) form a binding agreement between you and Minine Inc (“we,” “us,” or “Minine”) governing Minine Ledger for iOS (the “App”) and related services (together, the “Service”). By downloading, installing, accessing, or using the App, you agree to these Terms and our Privacy Policy. If you do not agree, do not use the App.

Apple’s standard Licensed Application End User License Agreement also applies. Where these Terms provide additional or stricter requirements, these Terms control between you and us to the maximum extent Apple’s rules permit.

You must be at least 13 years old, or the minimum age required in your jurisdiction, to use the Service.

The service

Minine Ledger is a personal bookkeeping tool for iPhone. It lets you manually record transactions, scan receipts, organize income and expenses, set weekly and monthly budgets, review charts, create recurring-entry reminders, export CSV files, and create or restore local backup files.

The free tier includes on-device receipt recognition and may display advertising. Minine Ledger Pro provides optional AI-assisted receipt scanning and removes ads while an eligible subscription is active.

The App does not require or provide a Minine account, bank connection, cloud ledger sync, payment service, investment service, or tax-filing service.

License to use the App

Subject to these Terms, we grant you a personal, limited, non-exclusive, non-transferable, non-sublicensable, revocable license to install and use the App on Apple-branded devices that you own or control, as permitted by the Apple Media Services Terms.

You may not copy, modify, distribute, lease, sell, sublicense, reverse-engineer, decompile, attempt to extract source code, remove proprietary notices, or use the App to build a competing service, except where applicable law expressly permits despite this restriction.

Your content

You retain all rights to the transactions, notes, merchant names, budgets, receipt images, recurring rules, exports, and backups you create or import (“Your Content”). We claim no ownership of Your Content.

When you choose Pro AI scanning, you grant us a limited, worldwide, royalty-free license to transmit and process the selected receipt image and related context solely to provide the scan result. This license ends when processing is complete, subject to transient technical processing and the retention described in the Privacy Policy. We do not use Your Content to train AI models or to create an advertising profile.

You represent that you have the right to capture, import, process, and store Your Content, and that it does not violate law or another person’s rights.

Your financial records and backups

You are responsible for reviewing entries, maintaining accurate records, reconciling them against authoritative sources, and keeping backups. Local data can be lost if your device is lost, damaged, reset, or if the App is deleted. Export complete .minineledger backups regularly and store them securely.

Backup files may contain sensitive financial records and receipt images. The App does not add a password to exported backup files. You are responsible for the destination, access controls, and recipients you choose when sharing or storing an export.

Budget notifications are best-effort local alerts. They may be delayed or omitted by device settings, authorization choices, background restrictions, data entry timing, or operating-system behavior.

Pro subscriptions

Minine Ledger Pro is offered as an auto-renewing subscription purchased through Apple’s App Store using StoreKit. Available products currently include:

• Price: the US prices are $9.99 per month and $39.99 per year. The binding price is shown in the Apple purchase sheet and may vary by country, currency, and tax.
• Payment: Apple charges your Apple ID when you confirm purchase. We do not receive your full payment-card details.
• Auto-renewal: your subscription renews automatically unless canceled at least 24 hours before the current billing period ends.
• Trials: availability depends on Apple eligibility. Unless canceled before the trial ends, the annual subscription begins and Apple charges the displayed price. Any unused trial portion may be forfeited when you purchase.
• Cancellation: manage or cancel in iOS Settings → Apple ID → Subscriptions. Deleting the App does not cancel a subscription.
• Restore: use “Restore Purchases” in the App while signed into the Apple ID that made the purchase.
• Refunds: Apple handles refund requests under its rules. Visit reportaproblem.apple.com. Mandatory consumer rights remain unaffected.

We may change available plans, prices, trial offers, or Pro features. Apple will provide any notice or consent required for a subscription price increase.

AI and OCR receipt scanning

Free receipt recognition uses on-device optical character recognition. Pro AI scanning sends selected receipt images to our AWS backend and Google Gemini as described in the Privacy Policy.

OCR and AI results may be inaccurate, incomplete, duplicated, or misleading. They may misread an amount, currency, date, tax, tip, merchant, category, or transaction type. A confidence score, where shown, is not a guarantee. You must review the result before confirming it and verify important records against the original receipt or account statement.

Cloud processing depends on network access and third-party availability. We may impose reasonable daily limits, currently up to 50 AI scan requests per day, to prevent abuse and keep the Service sustainable. Limits may change and may not reset at the same local time in every region. If AI scanning fails or reaches a limit, the App may use on-device OCR instead.

Do not submit classified material or receipt images containing sensitive personal information unless you understand and accept the cloud transmission described in the Privacy Policy.

Advertising

The free tier may display app-open and native advertising supplied by Google AdMob. Ad availability, format, frequency, and personalization may vary. Pro removes ads while the subscription is active, but purchase and entitlement checks still use Apple services.

Advertising and measurement providers may process device, interaction, purchase-value, and advertising data under their own terms. Your ledger content is not provided to them. Where required, iOS presents App Tracking Transparency choices. Declining tracking does not remove ads; it may make them less personalized.

Prohibited use

You agree not to:

• use the App or Service for an unlawful, fraudulent, deceptive, or harmful purpose;
• submit content you do not have the right to process, or content containing malware or illegal material;
• circumvent subscription verification, advertisements, quotas, rate limits, or technical protections;
• probe, overload, disrupt, scrape, or access our backend other than through the App;
• use automated tools to farm AI capacity or resell access to the Service;
• interfere with another user, provider, network, or system; or
• misrepresent OCR or AI output as verified financial, tax, legal, or accounting information.

Third-party services

The Service relies on Apple, Amazon Web Services, Google Gemini, Google AdMob, and Meta for the functions described in our Privacy Policy. Third-party services are governed by their own terms and privacy policies. We do not control and are not responsible for their independent availability, changes, or conduct, except to the extent applicable law provides otherwise.

Links to third-party sites are provided for convenience and do not imply endorsement.

Intellectual property

The App, website, software, interface, code, design, text, graphics, trademarks, logos, and related intellectual property are owned by Minine Inc or its licensors and are protected by applicable laws. These Terms do not transfer ownership of the App or our marks to you. Your Content remains yours as described in §4.

If you send feedback or suggestions, you grant us a worldwide, perpetual, irrevocable, royalty-free right to use them without obligation or compensation, provided we do not publicly identify you without permission.

Availability and changes

We may update, add, limit, suspend, or discontinue features for operational, security, legal, economic, or technical reasons. Cloud AI and ads depend on third parties and network connectivity. Local ledger features are designed to work offline but may still be affected by iOS changes, device storage, corruption, or software defects.

We may update these Terms. We will update the effective date and provide reasonable notice of material changes where required. If you do not agree to revised Terms, stop using the Service. Continued use after the effective date constitutes acceptance where permitted by law.

Disclaimers

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL EXPRESS, IMPLIED, AND STATUTORY WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, ACCURACY, QUIET ENJOYMENT, AND NON-INFRINGEMENT.

We do not warrant that the Service will be uninterrupted, secure, error-free, or compatible with every device; that records, scans, categories, totals, budgets, alerts, exports, or restores will be accurate or complete; or that data will never be lost or corrupted.

Nothing in these Terms excludes warranties or consumer rights that cannot lawfully be excluded.

Limitation of liability

To the maximum extent permitted by law, Minine Inc and its affiliates, officers, employees, and agents will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages; loss of data, records, profits, revenue, business, or goodwill; missed tax or payment deadlines; budget overruns; or damages arising from OCR, AI, export, restore, notification, or categorization errors, even if advised that such damages were possible.

Our aggregate liability for all claims relating to the Service will not exceed the greater of (a) the amount you paid for the Service during the 12 months before the event giving rise to the claim and (b) US $50.

Some jurisdictions do not permit certain exclusions or limitations. In those jurisdictions, liability is limited only to the extent permitted, and your non-waivable statutory rights remain unaffected.

Termination

You may stop using the App at any time. Uninstalling removes local App data but does not cancel an active Apple subscription.

We may suspend or limit cloud services if you materially breach these Terms, abuse the Service, attempt to bypass controls, or create legal or security risk. Where practical and appropriate, we will provide notice and an opportunity to cure.

Sections 4, 5, 11, 13, 14, 16, 17, 18, and 19 survive termination.

Disputes and governing law

16.1 Governing law

These Terms are governed by California law and, for arbitrability, the U.S. Federal Arbitration Act, without regard to conflict-of-law rules and without limiting mandatory consumer protections in your place of residence.

16.2 Informal resolution

Before formal proceedings, send a written claim notice to Minine Inc at the address in §19 and email [email protected]. The parties will try in good faith to resolve the dispute for 60 days.

16.3 Binding individual arbitration

Except for small-claims matters and requests for injunctive relief concerning intellectual property or unauthorized access, disputes will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules by one arbitrator. The seat is Orange County, California, and proceedings may occur by documents, phone, video, or in person as the rules allow.

16.4 No class proceedings or jury trial

YOU AND MININE INC WAIVE THE RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN A CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE ACTION. CLAIMS MUST PROCEED INDIVIDUALLY.

16.5 Thirty-day opt-out

You may opt out of arbitration and the class-action waiver by emailing [email protected] with the subject “Arbitration opt-out” within 30 days after first accepting these Terms. Include your name, country, and enough information to identify when you accepted these Terms. Opting out does not affect any other provision.

16.6 Consumers outside the United States

If you are a consumer in a jurisdiction where mandatory pre-dispute arbitration or class waivers are unenforceable, those provisions do not apply. You may bring proceedings in the courts available under the mandatory law of your habitual residence.

Apple-specific terms

For Apps downloaded through the Apple App Store:

• These Terms are between you and Minine Inc, not Apple.
• Your license is limited to Apple-branded products you own or control, as permitted by Apple’s Usage Rules, including eligible Family Sharing or volume-purchase accounts where Apple permits.
• 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 for any refund Apple determines is due; to the maximum extent permitted by law, Apple has no other warranty obligation.
• Minine Inc, not Apple, is responsible for addressing claims relating to the App, including product-liability, legal-compliance, and intellectual-property claims.
• You represent that you are not in a U.S.-embargoed country or on a U.S. prohibited or restricted-party list.
• Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you.

General

• Entire agreement: these Terms and the Privacy Policy are the entire agreement concerning the Service.
• Severability: if one provision is unenforceable, the remainder stays effective.
• No waiver: failure to enforce a provision is not a waiver.
• Assignment: you may not assign these Terms. We may assign them in connection with a reorganization, financing, merger, acquisition, or asset sale.
• Headings: headings are for convenience and do not limit the provisions.

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