Terms of use

1. Who this is between

This agreement is between you and Carson Rodrigues, an individual developer in India who builds and operates Billfold. "The apps" means ReciDex, TaxPocket, WiseLedger, SnapReceipt, LensExpense, FlowBooks, SyncDext, ForeClaim, FleetLog, EnterpriseX and ZestPOS, on iOS, Android and the web.

You must be 16 or older to hold a Billfold account.

2. Your account

One account works across all eleven apps. Sign-in is passwordless: a one-time code sent to your email, or Apple or Google sign-in. Keep access to that mailbox and that device secure, because anyone who has them can reach your records.

One account is for one person or one business. Do not share credentials with people who should not see your records.

3. What it costs

Every app is free to use within its limits. Those limits are shown in the app and cover ordinary use.

Premium is arranged directly. If you need more than the free limits allow, write to rodriguescarson@gmail.com and we will agree what you need, what it costs, and how you would like to pay. Access is then switched on for your account by hand. It lasts for the period agreed and simply stops at the end of it, because there is nothing set up to renew.

4. Payments in ZestPOS

This has consequences that are worth being clear about:

• You are responsible for the payment details you enter. If you type the wrong UPI ID, the money goes to whoever owns it, and we cannot recover it.
• We cannot confirm that a customer actually paid. ZestPOS records what you or your cashier mark as paid. Check your own bank or UPI app for the truth.
• Refunds, chargebacks and disputes are between you and your customer. We have no ability to reverse a payment we never held.
• Tax on your sales, the legal validity of the bills you issue, and any registration your trade requires are your responsibility. ZestPOS helps you produce records. It does not make you compliant.

5. Your side of it

• Use the apps lawfully, and only for records you are entitled to keep.
• Do not upload anything illegal, or anything containing another person's data that you have no right to hold.
• Do not attempt to reach another user's data, break the rate limits, reverse engineer the service, or resell access to it.
• Check what the apps produce before you rely on it. A total in a tax return is your figure, not ours.
• Keep your own copy of anything you cannot afford to lose. Every app exports.

6. What is not promised

• Text extraction is not perfect. Reading a receipt with a model is a best effort. Faded print, odd formats and bad light all produce mistakes. Always check an extracted amount, and edit it when it is wrong.
• This is not tax, accounting or legal advice. Category suggestions, deduction hints and quarterly estimates are calculations on the data you entered. Ask a qualified professional before filing.
• The apps are provided as they are. To the extent the law allows, there is no warranty that they will be uninterrupted, error free, or fit for a particular purpose.

7. Availability and offline use

Ordinary billing in ZestPOS runs entirely on your device and needs no network, no server and no licence check. A dead connection, a service outage on our side, or an expired premium period cannot stop you from taking an order and billing a customer.

Premium extras in ZestPOS do need the device to reach our server once every 20 days to confirm they are still enabled. If it cannot, those extras switch off until it can. Ordinary billing keeps working regardless.

The receipt apps store a capture on the device immediately and sync when a connection returns. Text extraction needs a connection, so it finishes later if you were offline when you took the photo. Manual entry always works offline.

8. Your content stays yours

Your receipts, records, invoices, menu and sales data belong to you. You give us only the permission needed to run the service for you: to store your files, show them back to you, and pass a receipt image to our text extraction provider when you ask for that. Nothing here gives us the right to publish your content, use it for marketing, or train anything on it. The privacy policy sets out the detail.

9. Ending it

You can stop at any moment by deleting your account, which erases everything across all eleven apps. See deleting your account.

We may suspend or close an account that is being used to break the law, to attack the service, or to hold data the account holder has no right to. Where it is possible and lawful to warn you first, we will, and we will give you a chance to export.

10. Liability

To the fullest extent the law allows, we are not liable for indirect or consequential loss, lost profits, lost sales, or loss of data where you had the means to export and keep your own copy. Where liability cannot be excluded, it is limited to the amount you actually paid us in the 12 months before the claim, which for a free account is nil.

Nothing here limits liability for fraud, or for anything that cannot be limited under the law that applies to you as a consumer.

11. Governing law

These terms are governed by the laws of India, and the courts of Goa, India have jurisdiction. If you use the apps as a consumer somewhere else, this does not take away the protections your local law gives you.

12. Changes to these terms

If these terms change, the date at the top changes with them. A change that materially affects you will be announced in the apps before it takes effect. Continuing to use the apps after that means you accept the new terms. If you do not, delete your account and export your data first.

Questions go to rodriguescarson@gmail.com.