Terms of Service

These Terms of Service ("Terms") govern your access to and use of the Millio mobile application, website, and related services (collectively, the "Service") provided by Millio ("we," "us," or "our").

By downloading, accessing, or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.

You must be at least the age of majority in your jurisdiction, or have permission from a parent or legal guardian, to use the Service. You agree to comply with all applicable laws when using the Service.

Millio is a personal finance and expense-tracking application. The Service helps you manually organize financial activity, including recording transactions, creating and managing categories, setting budgets, viewing spending analytics, comparing categories or items, tracking recurring expenses, and related organizational features.

Depending on your app version and subscription status, the Service may also include Premium features such as advanced comparisons, recurring bill views, import and export tools, advanced chart analytics, and chart default customization.

The Service is designed as a personal organization tool. It is not a bank, lender, payment processor, or financial institution.

Millio is an organizational and expense-tracking tool only. We do not provide financial, investment, tax, accounting, legal, lending, credit, or other professional advice.

The Service is not a financial advisor, investment advisor, bank, lender, accountant, tax advisor, lawyer, or credit counselor. Any information, calculations, charts, summaries, comparisons, budgets, or analytics displayed in the Service are provided for informational and organizational purposes only.

You remain solely responsible for your financial decisions and for verifying any information that is important to you. You should consult qualified professionals before making significant financial, tax, or legal decisions.

You are responsible for the accuracy and completeness of information you enter into the Service, including transaction amounts, dates, categories, budgets, balances, and imported data.

We do not guarantee that calculations, categorization, summaries, analytics, imported data, exported data, or other outputs will always be accurate, complete, or error-free.

You should independently verify important financial information before relying on it.

The Service allows you to sign in with options presented in the app, which may include Apple, Google, or email authentication. Account credentials and session management are handled by our authentication providers.

You are responsible for maintaining the confidentiality of your credentials and for all activity that occurs through your use of the Service.

You must not access or attempt to access the Service through unauthorized means, and you must notify us promptly if you believe your access has been compromised.

You may stop using the Service at any time. Logging out of the app returns you to the welcome screen and ends your authenticated session on that device.

You retain ownership of the information you submit to the Service, including transactions, categories, budgets, notes, labels, and other content ("User Content").

You grant us a limited license to host, store, process, display, and use User Content solely as necessary to operate, maintain, improve, and provide the Service, including generating analytics, comparisons, exports, and backups where applicable.

We do not claim ownership of your User Content. Our use of User Content is limited to providing the Service in accordance with our Privacy Policy.

You agree not to use the Service unlawfully or in a manner that could harm us, other users, or third parties.

Without limitation, you must not: (a) use the Service for fraudulent or illegal activity; (b) attempt unauthorized access to the Service or related systems; (c) interfere with or disrupt the Service or its infrastructure; (d) reverse engineer or attempt to extract source code except where permitted by applicable law; (e) exploit vulnerabilities or circumvent access controls; (f) abuse subscription, billing, or trial mechanisms; or (g) use the Service to store or transmit malicious code.

Certain features may be offered as part of a paid Premium subscription.

As described in the app, Premium may be offered on an annual plan ($12.99 per year) or a monthly plan ($1.99 per month). Pricing, features, and plan availability may change, but any change will not affect a billing period already paid for unless required by applicable law or platform policy.

When in-app purchases are enabled, subscriptions and trials are processed through the Apple App Store, Google Play, or another authorized platform billing system. We do not directly collect or store your full payment card or bank account credentials for those purchases.

Subscriptions may renew automatically unless canceled before the end of the current billing period. You can manage or cancel subscriptions through your Apple or Google account settings, as applicable.

If a subscription ends or is canceled, Premium features may become unavailable at the end of the current paid period or trial period, while your non-Premium access may continue where available.

A "Restore purchase" option may be provided to restore previously purchased subscriptions on a supported device or platform account.

Refunds, where available, are handled according to the billing and refund policies of the platform through which you purchased the subscription (for example, Apple App Store or Google Play). We do not control platform refund decisions.

You can use the app for 3 days without paying. A Premium subscription is optional and is only charged if you choose a plan in the app.

If you subscribe, you will be charged the selected plan price (for example, $12.99 per year or $1.99 per month) through the Apple App Store or Google Play.

You can manage or cancel a paid subscription through your App Store or Google Play subscription settings.

The Service, including its software, design, text, graphics, logos, icons, interfaces, and other content provided by us, is owned by us or our licensors and is protected by applicable intellectual property laws.

Except for the limited rights expressly granted in these Terms, no license or ownership rights are transferred to you. You must not copy, modify, distribute, sell, lease, or create derivative works from the Service except as permitted by law.

The Service may rely on or link to third-party services, libraries, content delivery networks, app store platforms, or device features.

For example, the app may load merchant or brand logos from external websites, use device photo library access for optional category images, and use platform billing services for subscriptions when enabled.

Third-party services are governed by their own terms and privacy policies. We are not responsible for third-party services outside our reasonable control.

We strive to keep the Service available, but we do not guarantee uninterrupted or error-free operation.

The Service may be unavailable during maintenance, updates, outages, or events outside our reasonable control. We may modify, suspend, or discontinue features or parts of the Service at any time.

We may update these Terms from time to time. Material changes will be reflected by updating the "Last updated" date and, where appropriate, providing notice in the app or on this website.

To the maximum extent permitted by applicable law, the Service is provided on an "as is" and "as available" basis without warranties of any kind, whether express, implied, or statutory.

We disclaim implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement, except where such disclaimers cannot legally be excluded.

We do not warrant that the Service will meet your requirements, be uninterrupted, secure, or free from errors, or that any results obtained from the Service will be accurate or reliable.

To the maximum extent permitted by applicable law, neither we nor our affiliates, officers, employees, agents, or licensors will be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, data, goodwill, or other intangible losses, arising out of or related to your use of or inability to use the Service.

To the maximum extent permitted by applicable law, our total liability for any claim arising out of or relating to the Service or these Terms will not exceed the greater of (a) the amount you paid us for the Service in the twelve (12) months before the event giving rise to the claim, or (b) fifty U.S. dollars (USD $50) if you have not paid us.

Some jurisdictions do not allow certain limitations of liability, so some of the above limitations may not apply to you.

To the maximum extent permitted by applicable law, you agree to defend, indemnify, and hold harmless us and our affiliates, officers, employees, agents, and licensors from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or related to your use of the Service, your User Content, or your violation of these Terms or applicable law.

You may stop using the Service at any time.

We may suspend or terminate your access to the Service if we reasonably believe you have violated these Terms, created risk or legal exposure for us, or where required by law.

Upon termination, provisions that by their nature should survive will survive, including intellectual property, disclaimers, limitations of liability, and indemnification.

Before filing a formal legal claim, you agree to contact us and attempt to resolve the dispute informally.

If a dispute cannot be resolved informally, it will be handled under applicable law in a forum permitted by that law, including any mandatory consumer-protection rules that apply to you.

If any provision of these Terms is found invalid or unenforceable, that provision will be enforced to the maximum extent permitted, and the remaining provisions will remain in full force and effect.

These Terms, together with the Privacy Policy and any additional terms presented in the app for specific features, constitute the entire agreement between you and us regarding the Service and supersede prior agreements on that subject.

If you have questions about these Terms, contact us at millio.support@gmail.com.

For privacy-related requests, contact millio.support@gmail.com.