Terms of Service

2. Eligibility

Kashaa is for general audiences. If you are under 18, or under the age of majority where you live, you may use Kashaa only with the permission of a parent or legal guardian, who accepts these Terms for you and is responsible for your use of the App, including any purchase. By using the App, you confirm that you are an adult who can enter into a binding agreement, or that you have that permission. Kashaa is built for users in the Philippines, but it may be available in other countries through the App Store or Google Play.

3. Accounts and Sign-In

You need an account to use Kashaa. You can sign in with Google, with Apple, or with an email address and a password. You are responsible for keeping your sign-in secure: choose a strong password you don't use elsewhere, keep it private, and protect the Google or Apple account and the email inbox linked to Kashaa, since anyone with access to them may be able to reach your Kashaa data. Tell us promptly at support@kashaa.app if you think someone else has accessed your account.

If you forget your password, you can reset it with a 6-digit code we email to you, and you can change it in Settings. Email addresses used for password sign-up are not verified by us. If someone later signs in with Google or Apple using the same email address, verified by Google or Apple, that sign-in takes over the account. The password is removed and every existing session ends, so other phones stop syncing until you sign in on them again. We do not send an email when this happens.

Each account is for one person. Don't share your account or use someone else's without their permission. You can delete your account at any time in the App's Settings (see section 9).

4. Subscription Plans

4.1 Free

Kashaa's free plan includes expense, income, debt and budget tracking, unlimited records, and up to 3 accounts, 3 budgets, 10 categories, 40 subcategories and 5 payees, at no cost. On the free plan, the Expense Breakdown, Budgets and Heatmap show the current month plus the previous two; older months need Kashaa Pro.

4.2 Kashaa Pro

Kashaa Pro is a paid subscription at ₱99 per month or ₱799 per year. It raises the limits to 1,000 accounts, 1,000 budgets, 1,000 categories, 1,000 subcategories and 10,000 payees, removes the three-month history window, and adds voice entry. Prices shown in the App Store or Google Play may vary by country and include any applicable taxes. We may change prices; any change will apply only from a future billing period, with notice as the app stores require.

Voice entry turns what you say into draft entries. Your phone converts your speech to text; that text is sent to our server, which uses a third-party AI service (currently OpenAI) to draft the entries. It can mishear or misfile what you said, so every draft is shown to you before it is saved, and you are responsible for checking drafts. Voice entry needs an internet connection and a phone that can recognise English speech on the device (iOS 17 or later, or Android 12 or later). It is limited to 30 notes in any 24 hours, understands English only, and creates expenses, income and transfers. It does not create debts. Section 2.8 of our Privacy Policy explains exactly what is sent.

4.3 Billing and auto-renewal

• -Payment is charged to your Apple ID or Google Play account when you confirm your purchase. We do not process payments.
• -New subscribers may be offered a free trial. Its length, and the price you will pay after it, are shown before you confirm. You are not charged during the trial, and you can cancel at least 24 hours before it ends to avoid being charged. Otherwise the subscription starts and is charged when the trial ends.
• -Your subscription renews automatically for the same period and price unless you turn off auto-renewal at least 24 hours before the end of the current period.
• -Your account is charged for renewal within 24 hours before the end of the current period.
• -You can manage or cancel your subscription in your App Store or Google Play account settings. We cannot cancel it for you, and deleting your Kashaa account or the App does not cancel it.
• -Refunds are handled by Apple or Google under their own policies, without prejudice to your rights under Philippine consumer protection law.

4.4 Over the free limits

If you are on the free plan with more items than its limits allow - for example, after Pro ends - nothing is deleted. The newest items above each limit are locked, along with any subcategories under a locked category. You can still see locked items, but you can't open, edit or add to them until you subscribe again. The three-month history window applies to the Breakdown, Budgets and Heatmap, and voice entry is unavailable. Everything unlocks when you subscribe.

5. Your Data, Your Content

You own the financial information, notes and other content you enter into Kashaa (“Your Content”). You give us a limited licence to store, process, sync and back up Your Content only to provide the Service to you, as described in our Privacy Policy. If you enter information about other people, such as the people in your Debts tab, you are responsible for having the right to do so.

Kashaa saves your data on your phone first and syncs it to our server each time you open the App and every 10 minutes while it is open. Changes that have not synced yet exist only on that phone, so they are lost if you lose the phone or uninstall the App before they sync. If your session on a phone ends, for example because your password was changed or reset on another phone, that phone keeps your data but stops syncing until you log out and sign in again. The App will not log you out while changes are still waiting to sync: it tells you how many there are, and you stay signed in until they have synced. Open the App while connected from time to time so it stays synced. Kashaa has no separate export or backup feature.

6. Debt Tracking Is a Personal Record, Not a Legal One

The people in your Debts tab (payees) are a personal bookkeeping tool for money you've lent or borrowed. Kashaa is not a party to any loan or arrangement between you and anyone else. We do not verify, mediate, collect or enforce any debt, and we have no relationship with the people you add, who don't need to be Kashaa users. Any dispute about money owed is between you and that person - Kashaa's records are not proof of a legal obligation.

7. Acceptable Use

You agree not to:

• -Use Kashaa for any unlawful purpose, including money laundering or fraud.
• -Reverse-engineer, decompile or tamper with the App, except where the law allows it.
• -Interfere with or disrupt the Service, its servers or networks, or overload it.
• -Bypass subscription limits, rate limits or entitlement checks.
• -Access another person's account, or impersonate anyone.
• -Enter information about other people that you have no right to use.

We may suspend or terminate accounts that break these rules.

8. Third-Party Services

Kashaa relies on third-party services such as Google and Apple sign-in, the App Store and Google Play, and the providers listed in our Privacy Policy. Your use of those services is also governed by their own terms, and we are not responsible for them.

9. Account Deletion and Termination

You can delete your account at any time in the App's Settings. This immediately and permanently deletes your account and all your data on our server, and cannot be undone. Other phones signed in to the account keep their copy until you log out on them. Deleting your account does not cancel an App Store or Google Play subscription - cancel that separately. Our Privacy Policy explains what third parties may keep after deletion.

We may suspend or terminate your access if you materially breach these Terms, if we must by law, or if we stop offering the Service. Sections that by their nature should survive termination - including 5, 6 and 11 to 18 - continue to apply.

10. Changes to the Service

We may change, add or remove features, or discontinue Kashaa. If we discontinue the Service, we will give reasonable notice where possible.

11. Intellectual Property

Kashaa, its name, logo, design and software are owned by Cloyd Abad, doing business as Stewardship Website Application Services, and protected by intellectual property laws. We grant you a limited, non-exclusive, non-transferable, revocable licence to use the App on phones you own or control, for personal, non-commercial use. You may not copy, modify, distribute, sell or lease any part of the App.

12. App Store and Google Play

If you downloaded Kashaa from the Apple App Store, these Terms are between you and us, not Apple. We alone - not Apple - are responsible for the App and its content, and Apple has no obligation to provide maintenance or support for it. If the App fails to conform to any applicable warranty, you may notify Apple, and Apple may refund the purchase price, if any; to the extent the law allows, Apple has no other warranty obligation. Apple is not responsible for any claims by you or anyone else relating to the App, including product liability claims, claims that the App fails to meet legal or regulatory requirements, and consumer protection or privacy claims. If anyone claims that the App infringes their intellectual property rights, we - not Apple - are responsible for dealing with that claim. Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you. You must also follow the App Store's own usage rules.

Your licence to use the App, if you downloaded it from the Apple App Store, is also governed by Apple's Licensed Application End User License Agreement (the “Standard EULA”). These Terms add to the Standard EULA; where they conflict, the Standard EULA applies to your licence of the App.

You confirm that you are not located in a country subject to a U.S. government embargo or designated as a “terrorist supporting” country, and that you are not on any U.S. government list of prohibited or restricted parties.

If you downloaded Kashaa from Google Play, Google Play's terms also apply to your download and any purchase.

13. Disclaimers

Kashaa is provided “as is” and “as available,” without warranties of any kind, express or implied. We do not guarantee that the Service will be uninterrupted, error-free or completely secure, or that data will never be lost. To the fullest extent permitted by law, we disclaim all implied warranties, including merchantability, fitness for a particular purpose and non-infringement.

14. Limitation of Liability

To the fullest extent permitted by law, Cloyd Abad, doing business as Stewardship Website Application Services, will not be liable for any indirect, incidental, special, consequential or punitive damages, or any loss of data, profits or revenue, arising from your use of or inability to use Kashaa - including financial decisions you make based on what the App shows. Our total liability for any claim arising from these Terms or the Service is limited to the amount you paid for Kashaa Pro in the 12 months before the claim arose, or ₱1,000, whichever is greater.

Nothing in these Terms limits liability that cannot be limited under Philippine law.

15. Indemnity

To the extent the law allows, you agree to indemnify us against claims, losses and costs (including reasonable legal fees) arising from your breach of these Terms, your misuse of the Service, or information you enter about other people.

16. Changes to These Terms

We may update these Terms from time to time. We will update the “Last updated” date at the top of this page and, for material changes, notify you by email or in the App where possible. Continuing to use Kashaa after changes take effect means you accept the updated Terms.

17. Governing Law

These Terms are governed by the laws of the Republic of the Philippines, without regard to conflict-of-law rules. Any dispute arising from these Terms or your use of Kashaa is subject to the exclusive jurisdiction of the courts of Dumaguete City, Philippines, without prejudice to any mandatory consumer rights you have where you live.

18. General

• -Entire agreement: these Terms, our Privacy Policy and, if you downloaded Kashaa from the Apple App Store, Apple's Standard EULA described in section 12 are the whole agreement between you and us about Kashaa.
• -Severability: if any part of these Terms is found unenforceable, the rest stays in effect.
• -No waiver: if we don't enforce a right, we don't give it up.
• -Assignment: you may not transfer these Terms to anyone else. We may transfer them to a successor operator of Kashaa, and we will tell you if we do.
• -Force majeure: we are not responsible for delays or failures caused by events beyond our reasonable control, such as natural disasters, power or internet outages, or failures of third-party services.

19. Contact Us

Questions about these Terms can be sent to: