Terms of Use

These Terms of Use ("Terms") govern your use of Sumra (the "App"). By downloading or using the App, you agree to these Terms.

1. The Service

Sumra is a personal expense-tracking tool that recognizes payment screenshots and voice input on your device, and organizes them into ledgers, budgets, and reports. The App is a record-keeping aid only — it does not provide financial, tax, or investment advice. Recognition results may contain errors; you are responsible for reviewing entries before relying on them.

2. Subscriptions and Purchases

The App offers an auto-renewable yearly subscription ("Pro Yearly") and a one-time lifetime purchase ("Pro Lifetime").

• Payment is charged to your Apple ID at confirmation of purchase.
• Auto-renewal: the yearly subscription renews automatically unless you turn it off at least 24 hours before the end of the current period. Renewal is charged within 24 hours before the period ends at the price then shown by the App Store, subject to Apple's notice and consent rules for price changes.
• Manage / cancel: you can manage or cancel your subscription at any time in your App Store account settings (Settings → your name → Subscriptions). Cancellation normally takes effect at the end of the current billing period. Refund requests are handled by Apple under its policies and applicable law.
• Free tier: basic logging is free forever. Free-tier limits (e.g. monthly auto-recognition quota) may change between versions.
• Pro Lifetime is a one-time, non-consumable purchase that unlocks Pro features permanently for the Apple ID used at purchase. It does not expire and requires no renewal.
• Restore: purchases can be restored on any device signed in with the same Apple ID via "Restore Purchases".

3. Your Data

Your ledger data is stored locally in the App sandbox and App Group container. You are responsible for your own backups. The App provides CSV export and a versioned structured-data JSON backup; the JSON backup does not contain archived evidence images. We have no ledger-recovery server and cannot recover lost data. Files you export remain wherever you choose to save them.

4. Acceptable Use

You agree not to misuse the App, attempt to bypass its purchase mechanisms, or use it for unlawful purposes.

5. Intellectual Property

The App, its design, and its content are the property of the developer. You receive a personal, non-transferable license to use the App on your own devices under these Terms and Apple's App Store Terms of Service.

6. Disclaimer and Limitation of Liability

The App is provided "as is" without warranties of any kind. To the maximum extent permitted by law, the developer is not liable for any indirect, incidental, or consequential damages — including lost data or financial decisions made based on the App's output. Total liability is limited to the amount you paid for the App.

7. Changes

We may update these Terms; the "Last updated" date will change accordingly. Continued use after an update constitutes acceptance.

8. Contact

Questions about these Terms: LuckyCharmcmd@europemail.com