These Terms & Conditions ("Terms") govern your use of the FastSpend mobile application (the "App"), provided by TLTek ("we", "us", "our"). By downloading, installing, or using the App, you agree to these Terms. If you do not agree, do not use the App.
1. The service
FastSpend is a personal expense-tracking application that lets you record transactions, organize them into categories, set budgets, view summaries and history, use a home-screen widget, optionally back up and sync your data to the cloud, and optionally generate spending insights with the AI Assistant. The App is provided for personal, non-commercial use.
2. Eligibility and accounts
- You must be at least 13 years old (or the minimum age required in your jurisdiction) to use the App.
- Optional features — Cloud Backup and the AI Assistant — require you to sign in with a Google account through Google / Firebase Authentication. You are responsible for maintaining the security of your account and for all activity that occurs under it.
3. Your data and content
You retain all rights to the data you enter into the App ("Your Content"). By using the optional Cloud Backup feature, you instruct us to store and sync Your Content using Google Firebase so that it is available across your devices. Our handling of Your Content is described in our Privacy Policy.
4. Premium features and payments
FastSpend offers optional in-app purchases, processed through Google Play Billing. All prices are shown to you at the point of purchase, and every purchase is also subject to Google Play's terms and refund policy.
- Premium is a one-time purchase (not a subscription) that unlocks premium features — currently Cloud Backup and access to the AI Assistant — for your account. There is no recurring charge.
- AI credits are consumable items sold in packs. The AI Assistant consumes one or more credits each time it generates advice. Credits have no cash value, are tied to your account, are not transferable, and cannot be exchanged for money.
Except where a refund is required by Google Play's policy or by applicable law, purchases are non-refundable once delivered, and AI credits are non-refundable once consumed. We may change the features included in Premium, the price of items, or the number of credits a request consumes; any such change applies to future purchases and use, and we will not retroactively remove credits you have already bought. If a purchase cannot be delivered due to an error on our side, we will restore the affected entitlement or credits.
5. Acceptable use
You agree not to:
- Use the App for any unlawful purpose or in violation of these Terms.
- Reverse-engineer, decompile, or attempt to extract source code, except where permitted by law.
- Interfere with, disrupt, or attempt to gain unauthorized access to the App or its supporting infrastructure.
- Resell, sublicense, or commercially exploit the App without our written permission.
6. Intellectual property
The App, including its software, design, and trademarks, is owned by TLTek and its licensors and is protected by applicable intellectual-property laws. Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to use the App for your personal use.
7. Financial disclaimer and the AI Assistant
FastSpend is a tool to help you record and organize your own spending. It does not provide financial, accounting, tax, investment, or legal advice. You are solely responsible for the accuracy of the data you enter and for any decisions you make based on the App's outputs.
The AI Assistant generates general budgeting insights from a summary of your spending using a third-party AI provider. Its output is produced automatically, may be inaccurate, incomplete, or misleading, and is provided for informational purposes only — it is not professional or personalized financial advice. Do not rely on it for financial decisions; verify anything important yourself. We do not guarantee the accuracy, availability, or usefulness of AI-generated content.
8. Third-party services
The App relies on third-party services, including Google Firebase (Authentication, Cloud Firestore, and Cloud Functions), Google Play Billing (for purchases), and OpenAI (which processes an aggregated spending summary to power the AI Assistant). Your use of those services is also governed by the respective third party's terms and privacy policies. We are not responsible for third-party services.
9. Availability and changes
We may modify, suspend, or discontinue the App or any feature at any time, with or without notice. We may also update the App and these Terms from time to time; material changes will be reflected by updating the "Last updated" date above. Continued use after changes take effect constitutes acceptance.
10. Disclaimer of warranties
THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE APP WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT DATA WILL ALWAYS BE PRESERVED OR SYNCED WITHOUT LOSS.
11. Limitation of liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, TLTEK SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, OR FOR ANY LOSS OF DATA, PROFITS, OR GOODWILL, ARISING FROM OR RELATED TO YOUR USE OF THE APP. OUR TOTAL LIABILITY FOR ANY CLAIM SHALL NOT EXCEED THE AMOUNT YOU PAID FOR THE APP IN THE TWELVE MONTHS PRECEDING THE CLAIM, OR, IF YOU PAID NOTHING, A REASONABLE AMOUNT NOT TO EXCEED USD 50.
12. Indemnity
You agree to indemnify and hold harmless TLTek from any claims, damages, or expenses arising out of your misuse of the App or violation of these Terms.
13. Termination
You may stop using the App at any time and uninstall it. We may suspend or terminate your access if you violate these Terms. Sections that by their nature should survive termination (including intellectual property, disclaimers, limitation of liability, and indemnity) will survive.
14. Governing law
These Terms are governed by the laws of the Socialist Republic of Vietnam, without regard to its conflict-of-laws rules. Any disputes shall be subject to the exclusive jurisdiction of the competent courts located in Ho Chi Minh City, Vietnam, unless otherwise required by applicable consumer-protection law.
15. Contact
Questions about these Terms: tl.tek5392@gmail.com.