Terms & Conditions

Effective Date: 2024-03-05

By accessing or using Amigo AI, whether through the website or the mobile app, you agree to the terms and conditions outlined here. Please read them carefully before using the service. Amigo AI, developed by Tirupati Balan, is offered as a freemium platform for personal financial management on both web and iOS.

License and Usage

You are granted a limited, non-exclusive license to use the Amigo - AI app solely for personal financial management. You may not copy, modify, reverse-engineer, or attempt to extract the source code of the app. All trademarks, copyrights, and other intellectual property rights remain with Tirupati Balan.

AI Credits and Subscription Tiers

Amigo AI operates on a credit-based system for AI-powered features. Here's how it works:

  • Free Tier: Users on the free plan receive 40 AI credits per month. These credits can be used for basic AI features like transaction categorization (up to 100 transactions/month).
  • Pro Tier: Subscribers receive 200 AI credits per month, which can be used across all AI features including Gmail scanning, advanced categorization, and insights.
  • Pro+ Tier: Subscribers receive 300 AI credits per month with all Pro features plus advanced AI capabilities.
  • Additional Credits: Users can purchase additional credits at any time. These credits never expire and work across all subscription tiers.
  • Lifetime Free Users: Users with lifetime free access retain their basic features permanently but will need to purchase credits or upgrade to a paid tier to access AI-powered features beyond the free tier allocation.

Credit usage varies by feature: AI chat queries (1 credit), Gmail sync (0.5 credits per 10 emails), PDF bank statement processing (2 credits), CSV import (1 credit per 100 rows), and receipt image scanning (1 credit).

Changes to the App

Tirupati Balan reserves the right to modify or discontinue any features or services within the app at any time. Any charges for new features will be clearly communicated within the app before you are billed.

Data Collection and Security

Amigo - AI collects personal data necessary for improving the service and providing personalized insights. We prioritize user privacy and use commercially reasonable measures to secure data. For more information on how we handle and protect personal data, please see our Privacy Policy.

Device Security: You are responsible for maintaining the security of your device. Do not jailbreak or root your device, as this may compromise app security and functionality.

End-to-End Encryption: All data transmitted between your device and our servers is encrypted. However, no data transmission can be guaranteed 100% secure.

Platform-Specific Data Storage and Access

Amigo AI is available as both a mobile application (iOS) and a web application. Please note the following regarding data storage and access:

  • iOS App: All data you enter in the iOS app is stored securely in your personal iCloud account using Apple CloudKit. This data is managed by Apple and is subject to Apple's privacy policy.
  • Web App: All data you enter in the web app is stored securely in Google Firebase, managed by us. This data is subject to Google's privacy policy and our own security practices.
  • Data Sync: Data is not automatically synced between the mobile and web versions. Each platform operates independently.
  • Gmail Sync: With your explicit consent, Amigo AI may access your Gmail account to fetch transaction data for expense tracking. You may also enter transactions manually.

By using Amigo AI, you acknowledge and agree to these platform-specific data storage practices.

International Use

Amigo AI is available worldwide. By using our services, you acknowledge that your data may be processed and stored in the United States, India, or other countries where our service providers operate. We comply with applicable privacy laws, including GDPR, and take reasonable steps to protect your data regardless of where it is processed.

Third-Party Services

The app uses trusted third-party services, which comply with GDPR regulations. These third-party services include:

  • Google Analytics for Firebase – for app usage insights
  • Firebase Crashlytics – for crash reporting
  • One Signal – for push notifications
  • RevenueCat – for managing in-app purchases
  • Countly – for analytics
  • Mixpanel – for user interaction tracking

Amigo - AI is not liable for the privacy practices of these third parties, but we strive to partner only with reputable providers.

User Responsibilities

Internet Access: Some app features require an active internet connection, and Amigo - AI cannot be held responsible for service interruptions caused by network issues.

Device Charging: Ensure your device is adequately charged when using the app, as Tirupati Balan is not responsible for missed functionality due to battery depletion.

Data Costs: If you use the app outside of Wi-Fi coverage, please be aware that mobile data charges from your provider may apply. You are responsible for any charges incurred while using the app.

Liability

While we strive to keep Amigo - AI updated and functional, the app may rely on third-party information, and we cannot guarantee the accuracy of all data at all times. Tirupati Balan assumes no liability for direct or indirect losses resulting from reliance on the app's features.

Updates and Termination

To ensure continued use of the app, you may need to download updates as we improve Amigo - AI. We reserve the right to discontinue the app or terminate services at any time. Upon termination, all rights granted to you under these terms will end, and you must stop using the app and delete it from your device if requested.

Changes to These Terms

We may update our Terms and Conditions periodically. We advise reviewing this page for any changes. Updates will be posted here, and you will be notified of significant changes through the app.

Contact Us

If you have any questions or suggestions regarding our Terms and Conditions, please contact us at hello@amigo.finance.