These Terms are a binding agreement between you and us. They include:
If you do not agree to these Terms, do not download, install, or use the App.
Amais: Money Manager (the "App") is a mobile application for Android and iOS that helps you manually track personal accounts and transactions, with optional sign-in, an optional paid subscription, and optional encrypted cloud backup, published by:
Amais Sheikh, an individual developer
Pakistan
Contact: sheikhamais@gmail.com
In these Terms, "we", "us", and "our" mean that party. "You" and "your" mean the person using the App.
These Terms and Conditions (the "Terms") govern your download, installation, access to, and use of the App, all content and features within it, and the web pages we publish for it at https://sheikhamais.github.io/moneymanager/privacy/ and https://sheikhamais.github.io/moneymanager/terms/ (together, the "Service").
Our Privacy Policy, available at https://sheikhamais.github.io/moneymanager/privacy/, is incorporated into these Terms by reference and forms part of them.
By downloading, installing, accessing, or using the App, you confirm that you have read, understood, and agree to be bound by these Terms and the Privacy Policy, that you meet the eligibility requirements in Section 3, and, if agreeing on behalf of a minor for whom you are responsible, that you accept these Terms and responsibility for their use of the App on their behalf.
If you do not agree, your only remedy is to stop using the App and delete it from your device.
3.1 Minimum age. You must be at least 13 years old to use the App, or the higher age of digital consent in your jurisdiction (up to 16 in some EEA/UK member states).
3.2 Minors. If you are under the age of majority, or under the age of digital consent where higher, you may use the App only with the consent and supervision of a parent or legal guardian, who accepts these Terms on your behalf and is responsible for your use of the App and any charges incurred.
3.3 Sanctions and restricted persons. You may not use the App if you are located in, or a national or resident of, any country subject to a comprehensive embargo administered by the United States, the European Union, or the United Kingdom, or if you appear on any restricted-party list maintained by those authorities. See Section 22.
4.1 What we grant. Subject to your compliance with these Terms, we grant you a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable licence to download, install, and use one copy of the App on a device you own or control, for your personal, non-commercial use, as permitted by the applicable Apple Media Services Terms or Google Play Terms of Service.
4.2 What you get. This is a licence, not a sale. You acquire no ownership interest in the App or in any part of the Service. All rights not expressly granted are reserved.
4.3 Updates. We may issue updates, patches, and new versions. Some may be required for the App to keep working. Updates are governed by these Terms unless they come with their own terms.
You agree that you will not, and will not attempt to, and will not permit anyone else to:
We reserve the right to investigate and take appropriate action, including terminating your licence under Section 19, against anyone who breaches this Section.
6.1 What the App does. The App lets you create accounts and log transactions — income, expenses, transfers, payables, receivables, investments, and investment withdrawals — entirely by your own manual entry. The App does not connect to, authenticate with, or exchange data with any bank, card issuer, payment network, or other financial institution. See Section 10.
6.2 Local storage is always the source of truth. Every account, transaction, and setting is stored in a local database on the device you're using. This remains true whether or not you sign in (Section 7), subscribe (Section 8), or enable cloud sync (Section 9) — those are additive features, not replacements for local storage.
6.3 Fair usage limits. To keep the App responsive, it caps the data any single device can hold: 300 accounts, and 100,000 transactions per account. These limits apply identically to free and premium users — they exist purely for performance, not as a monetisation gate — and are not enforced anywhere except on your own device.
6.4 Data loss risks you should understand.
7.1 Optional and identity-only. You can sign in with Google, or (on iOS) with Sign in with Apple. This is entirely optional, does not gate any feature, and does not by itself upload your local accounts or transactions anywhere — it only establishes an identity that Sections 8 and 9 can attach to.
7.2 Local data is not automatically separated per signed-in user. The App keeps one local database on the device, not a separate one per account you might sign in with. If more than one person uses the App on the same device, or you sign into a different account, whoever is using the App can see the same local accounts and transactions that were already there, regardless of who created them.
7.3 The sign-out data choice — read carefully. When you sign out, the App asks whether to keep the local data on the device as-is, or delete it. Choosing Delete Data permanently and immediately erases every account and transaction currently on that device — this is not reversible by us, and we hold no separate copy to restore it from. Choosing Keep Data leaves it in place for whoever uses the App next.
7.4 Your cloud backup is unaffected either way. If you're a premium subscriber with cloud sync enabled, deleting your local data at sign-out does not touch your encrypted cloud backup — that stays available to restore the next time you sign in and re-enter your encryption password, per Section 9.
8.1 What's included. The App is free to download and use for its core functions. A single optional subscription — $5.00 USD per year (or the local-currency equivalent shown at checkout), auto-renewing — removes rewarded ads (Section 6 of the Privacy Policy's advertising section) and unlocks premium cloud sync (Section 9 below). It is currently available through the Apple App Store only; Android/Google Play purchasing is not yet available.
8.2 Apple is the seller of record. All purchases are processed by Apple through the App Store, charged to the Apple Account signed in on your device, and governed by the Apple Media Services Terms and Conditions (https://www.apple.com/legal/internet-services/itunes/) in addition to these Terms. We do not process payments and never see your payment details. We use RevenueCat to verify and track your subscription; RevenueCat does not process payments and never receives your payment card details — see the Privacy Policy, Section 7.
8.3 Auto-renewal. The subscription automatically renews annually at the then-current price unless cancelled at least 24 hours before the end of the current period. Cancellation is managed entirely through your Apple Account (Settings → [your name] → Subscriptions on your device), not within the App — the App does not include its own cancellation control. Price changes take effect only for future renewal periods, and Apple will notify you of any change in accordance with its own policies.
8.4 Refunds. Because Apple is the seller of record, we cannot issue refunds and cannot reverse a transaction. All refund requests must go to Apple, at https://reportaproblem.apple.com or https://support.apple.com. If Apple refunds a purchase, we may revoke the corresponding entitlement.
8.5 EEA/UK right of withdrawal. As a consumer you normally have a 14-day right of withdrawal for distance contracts (Directive 2011/83/EU and, in the UK, the Consumer Contracts Regulations 2013). For digital content/services supplied immediately — which a subscription is, once activated — that right is lost once supply has begun, provided you gave prior express consent to immediate supply and acknowledged the loss of the withdrawal right; confirming your purchase constitutes that consent and acknowledgement. This does not affect your statutory rights where the subscription is faulty or not as described (Section 17).
8.6 Restoring purchases. A "Restore Purchases" control (part of the subscription paywall screen) asks Apple which of our products your signed-in Apple Account has already bought, and re-enables them. It works only for the same Apple Account used to make the original purchase.
9.1 What it is. Premium, signed-in subscribers can turn on an optional backup of their local accounts and transactions to an encrypted cloud store. It is off by default.
9.2 You choose a separate encryption password, and only you hold it. Setting this up requires creating a password used only for this feature — distinct from your sign-in credentials. Your data is encrypted on your device before it is ever sent anywhere; we do not receive, store, or have any way to recover your password, and we cannot decrypt your backup without it. Full technical detail is in the Privacy Policy, Section 8.
9.3 If you forget this password, your backup is permanently unrecoverable.
There is no "forgot password" recovery for cloud sync. If you lose or forget your encryption password and also lose access to every device that has it saved, your encrypted cloud backup cannot be decrypted or recovered by anyone — including us. This is an inherent, unavoidable consequence of end-to-end encryption, not a limitation we can lift on request. The only recourse the App offers is to permanently delete the unreadable backup and start over with a new password (Section 9.4) — which does not restore the lost data, it discards it.
9.4 Starting over. If you can't recover your password, the App's "I don't have this password" option permanently and irreversibly deletes your existing encrypted cloud backup so you can set a new password with a clean slate. Use it only when you have accepted that the old backup is gone.
9.5 Local data is unaffected. None of the above touches the local accounts and transactions on the device you're currently using — only the cloud copy.
9.6 Turning sync off. Disabling the sync toggle in Settings stops future syncing; it does not delete your existing cloud backup. You can request full deletion of that backup at any time — see the Privacy Policy, Section 8.3.
The App is a personal record-keeping tool. It is not, and must not be relied upon as, financial, investment, tax, accounting, or legal advice.
11.1 Our rights. The App and everything in it — source code, artwork, UI design, the name "Amais: Money Manager", and associated logos — are owned by us or our licensors, protected by copyright, trademark, and other IP law worldwide. This does not extend to your own data (Section 6), which belongs to you.
11.2 No implied rights. Nothing here transfers IP rights to you, or grants any right to use our trademarks or trade dress without prior written permission.
11.3 Your feedback. Feedback, bug reports, or suggestions you send us come with a perpetual, irrevocable, worldwide, royalty-free, sublicensable, transferable licence for us to use, reproduce, modify, and exploit for any purpose, without obligation, attribution, or compensation. This does not affect any privacy right in personal data your message contains.
11.4 Copyright complaints. If you believe content in the App infringes your copyright, write to sheikhamais@gmail.com with the identification, contact details, a good-faith statement, an accuracy/authority statement under penalty of perjury, and your signature, per 17 U.S.C. § 512(c)(3). We will respond promptly and, where appropriate, remove the material.
The App interacts with services we do not control:
We are not responsible for third-party services, their availability, their content, or their terms and policies. Your use of them is governed by their own agreements.
Sign-in (Google on both platforms, Apple on iOS only) works on both Android and iOS. The premium subscription, rewarded ads, and — because it requires premium — cloud sync are currently available on iOS only. If you use the App on Android today, those sections do not yet apply to your use of it; we may extend them to Android in future, and will update these Terms and the Privacy Policy first if we do.
We do not guarantee the App will always be available, uninterrupted, error-free, or compatible with every device or OS version, and may suspend, withdraw, or restrict all or part of it for business or operational reasons, with notice where reasonably practicable.
If we permanently discontinue the App, we will give at least 30 days' notice where reasonably practicable, by in-app notice or at https://sheikhamais.github.io/moneymanager/terms/, and comply with any refund obligations consumer law imposes on the unused portion of an active subscription. Local data is unaffected by discontinuation — it remains on your device for as long as you keep the App installed; a discontinued cloud sync service, however, may no longer be reachable.
You use the App voluntarily and at your own risk, in particular the risks in Section 6.4 (local data loss), Section 7.3 (sign-out data deletion), Section 9.3 (irreversible cloud-backup loss on a forgotten password), and Section 10 (the App is not a substitute for verified financial records or professional advice). You are responsible for your device's security, for the password you choose for cloud sync, and for verifying any figure the App shows before relying on it.
16.1 To the maximum extent permitted by applicable law, the App and the Service are provided "AS IS" and "AS AVAILABLE", with all faults and without warranty of any kind.
16.2 We expressly disclaim all warranties, whether express, implied, statutory, or otherwise, including implied warranties of merchantability, fitness for a particular purpose, title, quiet enjoyment, accuracy, and non-infringement.
16.3 We do not warrant that the App will meet your requirements, be uninterrupted, timely, secure, or error-free, that defects will be corrected, that it is free of harmful components, or that any calculation, balance, or sync operation will be accurate, complete, or successful.
16.4 Consumer carve-out. Some jurisdictions do not allow the exclusion of implied warranties or certain statutory guarantees. EEA and UK consumers retain full statutory rights on the conformity of digital content and services (Directive (EU) 2019/770, Consumer Rights Act 2015). Australian consumers: our goods and services come with guarantees that cannot be excluded under the Australian Consumer Law. Where implied warranties cannot be excluded, they are limited to the minimum duration permitted by law.
17.1 To the maximum extent permitted by applicable law, we will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for loss of profits, revenue, data (including your accounts, transaction history, or an encrypted cloud backup lost through a forgotten password), goodwill, or other intangible losses, arising out of or relating to these Terms or your use of the App — whether based in contract, tort (including negligence), strict liability, or otherwise, even if advised of the possibility of such damages.
17.2 To the maximum extent permitted by applicable law, our total aggregate liability will not exceed the greater of: (a) the total amount you paid us (via Apple, for the subscription) in the twelve (12) months immediately preceding the event giving rise to the claim; or (b) twenty-five US dollars (USD 25.00).
17.3 These limitations apply even if a limited remedy fails of its essential purpose, and form a fundamental basis of the bargain between us.
17.4 What we never exclude: death or personal injury caused by our negligence; fraud or fraudulent misrepresentation; gross negligence or wilful misconduct; and any liability that cannot be excluded under applicable law.
17.5 Consumer carve-out. If you are a consumer, in particular in the EEA or the United Kingdom, these limitations apply only to the extent permitted by the law of your country of residence; where mandatory law makes us liable for foreseeable loss caused by our breach or negligence, that liability is not excluded; and some jurisdictions do not allow exclusion of incidental/consequential damages, so some or all of Sections 17.1-17.2 may not apply to you.
To the extent permitted by applicable law, and except where you are a consumer and mandatory consumer law provides otherwise, you agree to indemnify, defend, and hold harmless us, our officers, employees, contractors, and licensors from any claim, loss, liability, or expense (including reasonable legal fees) arising from your breach of these Terms, your misuse of the App (including anything prohibited by Section 5), your violation of any law or third-party right, or the use of the App by a minor for whom you are responsible. We will notify you of any such claim and may assume its defence at our own expense, with your cooperation.
19.1 By you. Terminate at any time by deleting the App from your devices. Deleting the App erases your local data (Section 6) but not any active subscription (managed through your Apple Account) or an existing cloud backup (Section 9).
19.2 By us. We may suspend or terminate your licence, with or without notice, for a material breach of these Terms — particularly Section 5 — or where required by law, giving notice and an opportunity to remedy where practicable and where you are a consumer.
19.3 Effect. On termination, your licence ends immediately and you must stop using and delete the App. Sections 6, 9, 10, 11, 16, 17, 18, 21, 22, and 25 survive termination.
You represent that you are not located in, or a national or resident of, any country subject to a comprehensive embargo administered by the US Government, the EU, or the UK, and are not on any restricted-party list maintained by those authorities, including the US Treasury's SDN List and the US Commerce Department's Denied Persons and Entity Lists. You agree to comply with applicable export control and sanctions laws.
21.1 Talk to us first. Before starting any formal proceeding, email sheikhamais@gmail.com describing the problem and what you'd like us to do. We will engage in good faith for 30 days. This is encouraged, not a precondition to your statutory rights.
21.2 Governing law. These Terms are governed by the laws of Pakistan, without regard to conflict-of-laws rules, excluding the CISG, subject to Section 21.5.
21.3 United States users — arbitration and class-action waiver.
PLEASE READ THIS SUBSECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS.
If you're a US resident, you and we agree that disputes arising out of or relating to these Terms or the App will be resolved by binding individual arbitration, administered by the American Arbitration Association under its Consumer Arbitration Rules, rather than in court, except: small claims (either party may sue individually in small-claims court if it qualifies); injunctive relief to protect IP rights, which either party may seek in court. You and we each waive any right to a class, collective, consolidated, or representative action, or a jury trial — the arbitrator may only award relief to the individual party seeking it; if this waiver is unenforceable for a particular claim, that claim proceeds in court and the rest stays in arbitration. Arbitration fees follow the AAA Consumer Arbitration Rules, which cap the consumer's share; we pay any portion the rules require. Arbitration is conducted in the county of your residence, or by phone/written submission, at your election. You may opt out within 30 days of first accepting these Terms by emailing sheikhamais@gmail.com with subject "Arbitration Opt-Out" and your name — this doesn't affect the rest of these Terms. Nothing here prevents filing a complaint with a government agency, or waives a non-waivable right.
21.4 Users outside the United States. Where Section 21.3 doesn't apply, disputes are subject to the exclusive jurisdiction of the courts of Pakistan, subject to Section 21.5.
21.5 Consumers — mandatory protection. If you are a consumer, nothing in Sections 21.2-21.4 deprives you of the mandatory rules of the law of your country of habitual residence (Article 6, Regulation (EC) No 593/2008, "Rome I"). Consumers resident in the EEA or UK may bring proceedings in, and may only be sued in, the courts of their own country of residence (Regulation (EU) No 1215/2012, "Brussels I recast," and equivalent UK rules), retain all mandatory national consumer protections, and may use an out-of-court ADR/ombudsman scheme where available — we are not currently committed to a specific ADR body but will consider participating in good faith on request.
21.6 Time limit. Except where a longer statutory period applies to consumers, any claim must be brought within one (1) year after it arises, or it's permanently barred.
These Terms are between you and us, not Apple or Google, and we alone are responsible for the App. The following apply to the extent required by the applicable store, in addition to the rest of these Terms, and prevail over conflicting provisions as to your relationship with Apple or Google.
22.1 Apple App Store (iOS).
22.2 Google Play (Android).
Where required by platform or consumer-protection rules for auto-renewing subscriptions: the subscription is $5.00 USD/year, auto-renews unless cancelled at least 24 hours before the current period ends, is managed and cancelled entirely through your Apple Account settings (not within the App), and any price change applies only from your next renewal, with notice from Apple beforehand as required by its own policies. See Section 8 for full detail.
For support, questions, bug reports, or complaints, email sheikhamais@gmail.com. We aim to acknowledge within 5 business days, on a reasonable-efforts basis, in English, without guaranteeing a specific resolution time.
We may amend these Terms to reflect changes to the App, our business, or the law. The "Last updated" date and version above will be revised; the current version is always at https://sheikhamais.github.io/moneymanager/terms/ and from within the App. For material changes — including to the arbitration agreement, liability, pricing, or your rights — we give reasonable advance notice, normally at least 30 days, before they take effect. Continuing to use the App after a change takes effect means you accept it; if not, stop using the App and delete it. Changes to the arbitration agreement (Section 21.3) don't apply retroactively to disputes of which we had actual notice beforehand.
26.1 Entire agreement. These Terms, the Privacy Policy, and the applicable Apple Media Services Terms or Google Play Terms of Service are the entire agreement between you and us about the App, superseding prior understandings. This doesn't limit liability for fraudulent misrepresentation.
26.2 Severability. An invalid or unenforceable provision is modified to the minimum extent necessary to be enforceable, or severed if it cannot be; the rest remains in force.
26.3 No waiver. Our delay or failure to enforce a provision isn't a waiver; a waiver is effective only in writing.
26.4 Assignment. You may not assign these Terms without our prior written consent. We may assign them to an affiliate or in connection with a merger, acquisition, or asset sale, provided your rights aren't materially prejudiced.
26.5 Force majeure. We're not liable for delay or failure caused by events beyond our reasonable control, including natural disasters, war, civil unrest, epidemic, governmental action, power/internet failure, or a third-party service provider's failure (including Apple, Google, Firebase, or RevenueCat).
26.6 No third-party rights. Except for Apple under Section 22.1.9, and our officers, employees, contractors, and licensors under Sections 17-18, no one but you and us may enforce these Terms; the Contracts (Rights of Third Parties) Act 1999 doesn't apply save as stated.
26.7 Relationship. Nothing here creates a partnership, joint venture, agency, or employment relationship.
26.8 Headings are for convenience only.
26.9 Language. These Terms are drafted in English; a translation's English version prevails in conflict, except where mandatory consumer law requires otherwise.
26.10 Notices. We may give notice by in-app message or by posting at https://sheikhamais.github.io/moneymanager/terms/. You may notify us at sheikhamais@gmail.com.
Amais Sheikh
Pakistan
Email: sheikhamais@gmail.com
Related document: Privacy Policy