Terms of Use

ExTr is a personal expense-logging app. It records what you type in — expenses, savings goals, recurring-bill reminders, and “money owed to me” notes — and keeps them in a private database on your own device.

Optionally, and only if you turn it on, ExTr can also keep an end-to-end-encrypted backup of your entries so you can restore them on another phone, and let you share a set of expenses with people you invite (“Spaces”). These require signing in with a Google account. How that data is handled is described in the Privacy Policy.

ExTr does not connect to your bank or cards, does not import transactions, and does not move, hold, or manage any money. It is a free app: there are no payments, subscriptions, or in-app purchases. ExTr is intended for people aged 18 and older.

ExTr is a record-keeping tool, not financial, investment, tax, or legal advice. Its goal projections — for example, an estimate that a saving habit could reach a goal sooner — are informational possibilities based only on the numbers you enter, not promises, guarantees, or recommendations.

The app’s coaching text is generated on your device from fixed calculations and pre-written templates; it does not assess your finances or tell you what to do. Decisions about your money are yours.

You are responsible for what you enter and how you use it. Because every figure comes from you, the accuracy and usefulness of what ExTr shows depends entirely on the accuracy of your own entries.

If you turn on backup, ExTr encrypts your data end-to-end — only your devices hold the key, protected by a one-time recovery code shown once at setup. This is genuine privacy, but it puts recovery in your hands: if you lose the recovery code and lose access to your devices, no one — including the publisher — can recover your encrypted backup.Keep the recovery code safe. Independently, your device’s own iCloud or Google backup may also include ExTr’s data (see the Privacy Policy).

ExTr is licensed to you for your own personal, lawful use. You agree not to: use the app for any unlawful purpose; invite people to a Space without their consent or to send them unwanted messages; attempt to reverse-engineer, decompile, or extract its source code except where that restriction is prohibited by law; interfere with the app’s or the backend’s normal operation, or attempt to access data that is not yours; or resell, redistribute, or commercially exploit it.

The app and its design remain the property of the publisher; these Terms transfer no ownership to you.

ExTr is provided “as is” and “as available”, without warranties of any kind, express or implied, including fitness for a particular purpose. The publisher does not warrant that the app or its backup/sync service will be error-free, uninterrupted, or available at all times, or that its calculations or projections will be accurate for your circumstances.

To the fullest extent permitted by law, the publisher will not be liable for any indirect, incidental, or consequential losses, or any loss of data — including a backup made unrecoverable by a lost recovery code — arising from your use of (or inability to use) the app. Nothing in these Terms limits any liability that cannot be excluded under applicable law, including the laws of India.

We may update these Terms from time to time. When we do, we will post the new version on this page and update the “Last updated” date above; continuing to use ExTr after a change means you accept the updated Terms. This version reflects ExTr’s M2 release — optional accounts, encrypted backup, and shared Spaces.

These Terms are governed by the laws of India, and the courts of Jaipur, Rajasthan, India have exclusive jurisdiction over any dispute. ExTr is a personal project published by Nishant Mishra, an individual based in Jaipur, Rajasthan, India. Questions? Email contact@extr.in.