Terms & Conditions

Last updated: January 2025

1. Service Terms

Welcome to Elnxi (hereinafter "the Platform"). These terms govern your rights and obligations when using our services. By accessing, registering, or using the Platform, you agree to be bound by these terms.

We reserve the right to modify these terms at any time. Modified terms will be posted on the Platform, and continued use constitutes acceptance of the updated terms.

2. User Accounts

2.1 Account Creation

You must be at least 18 years old to create an account. You agree to provide accurate, complete, and current information. You are responsible for all activities in your account and agree to protect your password and account security.

2.2 Account Responsibility

You agree not to share your account credentials with others. If you discover unauthorized account use, notify us immediately. We are not responsible for losses resulting from your negligence or misconduct.

3. Usage Restrictions

You agree not to:

  • Use the Platform for any illegal activities or in violation of applicable laws
  • Harass, threaten, abuse, or bully any other user
  • Upload or transmit viruses, malware, or harmful code
  • Attempt unauthorized access to any part of the Platform
  • Engage in any form of fraud or deceptive activity

4. Intellectual Property

All content on the Platform, including text, graphics, logos, images, audio, and video, is protected by copyright and other intellectual property laws. You may not copy, modify, distribute, or transmit any content without our explicit permission.

5. Disclaimer

The Platform is provided "as is" without any express or implied warranties. We do not guarantee the accuracy, completeness, or timeliness of the Platform.

To the maximum extent permitted by law, we are not liable for any direct, indirect, incidental, special, or consequential damages arising from your use or inability to use the Platform.

6. Limitation of Liability

In no event shall our total liability to you exceed the amount you have paid us in the past 12 months. Some jurisdictions do not allow the exclusion or limitation of certain damages, so these limitations may not apply to you.

7. Termination

We may terminate or suspend your account and access to the Platform at any time for any reason without notice.

You may terminate your use at any time by deleting your account. For information on how to delete your account, visit our delete account page.

8. Governing Law

These terms are governed by the laws of the United States, without regard to its conflict of law principles. You agree to submit to the exclusive jurisdiction of the courts located in the United States.

9. Contact Us

If you have any questions or concerns about these terms, please contact us:

10. Subscription and Billing

If you choose a paid plan, you authorize us to charge your selected payment method for recurring subscription fees and any applicable taxes. Billing cycles are monthly or annually, depending on the plan you select.

  • Auto-Renewal: Subscriptions automatically renew unless you cancel before the renewal date
  • Failed Payments: We may suspend or terminate access if payment fails and is not resolved
  • Price Changes: We may update pricing with prior notice; continued use constitutes acceptance

11. Refunds

Unless required by law, fees are non-refundable. Certain jurisdictions grant statutory cancellation rights; where applicable, refunds will be processed in accordance with local regulations.

12. Changes to Services

We may modify, suspend, or discontinue features to improve performance, security, or user experience. Material changes will be communicated in advance where feasible.

13. Third-Party Services

The Platform may integrate third-party tools and SDKs. Your use of such services is subject to the providers' terms and privacy policies. We are not responsible for third-party content or practices.

Where required, you may need to grant permissions or consent to enable specific features.

14. Dispute Resolution

In case of a dispute, you agree to first attempt an informal resolution by contacting support. If unresolved, disputes shall be resolved through courts located in the governing jurisdiction specified above, unless local law mandates alternative procedures.

15. Sensitive Permissions & Google Play Compliance

We adhere to Google Play0s policies for sensitive permissions and data safety. Permissions are optional and can be revoked at any time.

  • Transparency: Clear disclosure of permission use, purpose, and protection
  • Local Processing: Sensitive data (e.g., SMS, contacts) processed on-device; no upload
  • Control: Grant/revoke permissions via device settings without losing core functionality

16. AI SMS Detection (Optional)

  • Purpose: Automatically detect financial transactions from banking/payment SMS
  • Processing: Performed locally on your device; SMS content never leaves your device
  • Protection: No remote storage; minimal metadata for categorization
  • Control: Toggle on/off in settings; revoke permission anytime

17. Contacts Access for IOU (Optional)

  • Purpose: Match phone numbers to contact names for IOU clarity
  • Processing: Names and numbers only; handled entirely on-device
  • Protection: No upload or remote storage; used solely to label IOUs
  • Control: Grant/revoke permission any time; core features remain available

18. Data Ownership & Local Processing

You retain all rights to your personal financial data. We do not claim ownership of the data you enter or the sensitive information processed locally. Where server-side features exist, we store only what is necessary to provide the service.

By using Elnxi, you confirm that you have read, understood, and agree to be bound by these Terms & Conditions.