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Terms of Service

Last updated: August 15, 2026

1. Introduction

Welcome to ExpenseMate. These Terms of Service ("Terms") govern your use of our marketing website at expensemate.app (the "Website"), our web app at app.expensemate.app (the "Web App"), and our mobile application (the "App"), together referred to as our "Services."

Please read these Terms carefully before using our Services. By accessing or using our Services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our Services.

2. Who We Are

ExpenseMate is operated by TK MEDIA S.à r.l.-S ("we," "us," or "our"), a Luxembourg simplified limited liability company with its registered office at 13, In Bedigen, L-9283 Diekirch, Luxembourg, registered with the Luxembourg Trade and Companies Register (RCS) under number B306819.

You can reach us at contact@tkmedia.lu. Full company information is available in our Legal Notice.

3. Services Description

ExpenseMate provides tools to help users track, manage, and split expenses with others. Our core features include:

  • Receipt scanning and data extraction
  • Expense itemization
  • Bill splitting among multiple users
  • Expense history and tracking
  • Group expense management

Features vary by platform. Push notifications and Home Screen shortcuts are currently available in the App only. The Web App is a companion to the App rather than a replacement for it. ExpenseMate Premium can be bought either in the App or through our web checkout, as set out in section 4b. We may add, change or remove features on any platform.

4. User Accounts

To use certain features of our Services, you may need to create an account. When you create an account, you agree to:

  • Provide accurate, current, and complete information
  • Maintain and promptly update your account information
  • Keep your password secure and confidential
  • Accept responsibility for all activities that occur under your account
  • Notify us immediately of any unauthorized use of your account

We reserve the right to disable any user account if, in our opinion, you have violated any provision of these Terms.

4a. Deleting Your Account

You can delete your account yourself at any time, without asking us: in the App under Settings, or in the Web App under Settings. For your protection we may ask you to sign in again first. Three things you should know before you do:

  • Data you share with a group is anonymised, not erased. Anything tied only to you is deleted. Expenses, splits and settlements that other members of a shared group depend on remain, with your identity removed, so that their own expense history stays intact and correct. This is explained in section 10 of our Privacy Policy.
  • Deleting your account does not cancel or refund an ExpenseMate Premium subscription. We are not the seller of that subscription — Apple is if you bought it in the App, Stripe is if you bought it on the web — and it keeps renewing until you cancel it where you bought it (see section 4b). Cancel the subscription first, then delete the account. Refunds are requested from Apple or Stripe under their own terms.
  • Deletion is permanent. We cannot restore a deleted account, and creating a new one will not recover the old one's data.

4b. ExpenseMate Premium and Payments

ExpenseMate is free to use. ExpenseMate Premium is an optional subscription that removes the limits of the free plan. It costs €2.99 per month or €24.99 per year, and those prices include VAT. One subscription covers your account wherever you use ExpenseMate: Premium bought on the web works in the App, and Premium bought in the App works in the Web App, as long as you sign in with the same account.

There are two places to buy it, and who you are buying from is not the same in both:

  • In the App (iOS). Apple sells and bills the subscription through the App Store under its own terms, and handles VAT. We never see your payment details.
  • On the web. Our web checkout at app.expensemate.app is operated by Stripe, which sells and bills the subscription as the merchant of record: Stripe is the seller for that purchase, takes the payment, and is responsible for charging and remitting VAT. Its consumer-facing brand is Link, so the charge shows up on your bank or card statement as LINK.COM* rather than as ExpenseMate — that is us, not a duplicate charge. Payment details go to Stripe directly; we never receive or store your card details.

Renewal and cancellation. Both plans renew automatically — every month or every year, depending on the plan you chose — at the price shown to you when you subscribed, until you cancel. You can cancel at any time. Cancelling stops the next renewal; your Premium features stay active until the end of the period you have already paid for, and that period is not refunded pro rata. Where you cancel depends on where you bought it:

  • Bought on the web: manage or cancel it through Stripe/Link at link.com, or from the link in the receipt email Stripe sends you for each payment.
  • Bought in the App: manage or cancel it in Apple's subscription settings (on iOS: Settings → your name → Subscriptions).

Your 14-day right of withdrawal, and why it ends early. As a consumer in the EU you normally have 14 days to withdraw from a contract concluded at a distance. ExpenseMate Premium is a digital service supplied immediately: by subscribing, you expressly request that we begin providing it straight away, and you acknowledge that you lose your right of withdrawal once we have begun (Directive 2011/83/EU, Art. 16(m), as implemented in Luxembourg law). This does not affect your statutory rights if the service is faulty or is not what was described, and it does not affect the mandatory consumer rights set out in section 10a.

If you subscribed by mistake, or something went wrong, write to support@expensemate.app. We look at refund requests on a goodwill basis; for a web purchase Stripe is the seller, so we may have to ask Stripe to issue the refund, and for a purchase in the App the request goes to Apple.

"Unlimited receipt scans" means unlimited normal use. Premium includes unlimited receipt scanning, and we mean it for anyone scanning their own receipts, however many of those there are. What it is not is a bulk document-processing service: automated, scripted or commercial-volume scanning — scanning on behalf of other people, for instance, or feeding receipts in from another system — is not personal use, and we may rate-limit or suspend it to keep the service working for everyone else. Where we can, we will tell you before we limit anything and give you the chance to put it right.

5. Intellectual Property

The Services and their entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by ExpenseMate, its licensors, or other providers of such material and are protected by international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

These Terms permit you to use the Services for your personal, non‑commercial use only. You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Services, except as follows:

  • Your computer may temporarily store copies of such materials in RAM incidental to your accessing and viewing those materials.
  • You may store files that are automatically cached by your Web browser for display enhancement purposes.
  • You may print or download one copy of a reasonable number of pages of the Website for your own personal, non‑commercial use and not for further reproduction, publication, or distribution.
  • If we provide social media features with certain content, you may take such actions as are enabled by such features.

6. User Content

Our Services may allow you to upload, submit, store, send or receive content, including receipt images, expense data, and user information ("User Content"). You retain ownership of any intellectual property rights that you hold in that User Content.

You grant us a limited, non-exclusive, royalty-free, worldwide licence to host, store, reproduce, transmit, display and process your User Content solely to the extent necessary to operate, secure, maintain and provide the Services to you and to the other users you choose to share it with (for example, the other members of a group you create or join). We also need this licence to carry out technical operations such as backups, replication between data centres, receipt OCR, and compliance with legal obligations.

This licence does not grant us any right to use your User Content for advertising, for training third-party AI models, or to publicly display it outside the Services. It ends when you delete the relevant User Content or your account, subject to the retention and anonymisation rules described in our Privacy Policy, and subject to copies that may remain in backups for a limited period before being overwritten.

7. Prohibited Uses

You may use our Services only for lawful purposes and in accordance with these Terms. You agree not to use our Services:

  • In any way that violates any applicable federal, state, local, or international law or regulation.
  • For the purpose of exploiting, harming, or attempting to exploit or harm minors in any way.
  • To transmit, or procure the sending of, any advertising or promotional material, including any "junk mail," "chain letter," "spam," or any other similar solicitation.
  • To impersonate or attempt to impersonate ExpenseMate, a ExpenseMate employee, another user, or any other person or entity.
  • To engage in any other conduct that restricts or inhibits anyone's use or enjoyment of the Services, or which, as determined by us, may harm ExpenseMate or users of the Services, or expose them to liability.

8. Data Processing

What we process, where it is stored, which providers are involved and the legal basis for each purpose are set out in full in our Privacy Policy. That is the canonical list; we deliberately do not keep a second one here for it to drift out of step with.

Two points belong in these Terms, because they are part of what you are agreeing to:

  • ExpenseMate is a shared tool, and sharing is the point. The expenses, amounts, receipt items and display name you add to a group are visible to the other members of that group by design, as described in section 6. Outside that, we do not sell your personal data and we do not share it for advertising. We do use a limited number of service providers — hosting, authentication, receipt OCR, analytics, error reporting and subscription management — who process data on our behalf and on our instructions; each one is named in our Privacy Policy.
  • Receipt images may be processed by Google Gemini and/or OpenAI for data extraction and analysis. We do not authorise those providers to use your content to train their models.

We process this data because it is necessary for the performance of our contract with you (GDPR Art. 6(1)(b)), and on the other legal bases set out in our Privacy Policy. Where we rely on your consent — analytics, for example — you can withdraw it at any time without losing access to the Services.

9. Disclaimers

YOUR USE OF THE SERVICES IS AT YOUR SOLE RISK. THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. EXPENSEMATE EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

EXPENSEMATE MAKES NO WARRANTY THAT (i) THE SERVICES WILL MEET YOUR REQUIREMENTS, (ii) THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (iii) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICES WILL BE ACCURATE OR RELIABLE, OR (iv) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SERVICES WILL MEET YOUR EXPECTATIONS.

10. Limitation of Liability

IN NO EVENT SHALL EXPENSEMATE, ITS DIRECTORS, EMPLOYEES, PARTNERS, AGENTS, SUPPLIERS, OR AFFILIATES, BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM (i) YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE SERVICES; (ii) ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON THE SERVICES; (iii) ANY CONTENT OBTAINED FROM THE SERVICES; AND (iv) UNAUTHORIZED ACCESS, USE OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE) OR ANY OTHER LEGAL THEORY, WHETHER OR NOT WE HAVE BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE.

10a. EU Consumer Rights (Mandatory Law)

Nothing in sections 9 or 10 shall exclude or limit our liability:

  • for death or personal injury caused by our negligence;
  • for fraud or fraudulent misrepresentation;
  • for gross negligence or wilful misconduct;
  • for the breach of any essential obligation of this agreement;
  • or for any liability that cannot be excluded or limited under the mandatory law applicable to you, including applicable consumer-protection law in Luxembourg and your country of residence in the EU/EEA.

If you use the Services as a consumer, you benefit from the mandatory protections granted to you by the law of the EU Member State in which you habitually reside, and nothing in these Terms deprives you of those rights.

11. Changes to Terms

We may revise and update these Terms from time to time in our sole discretion. All changes are effective immediately when we post them, and apply to all access to and use of the Services thereafter.

Your continued use of the Services following the posting of revised Terms means that you accept and agree to the changes. You are expected to check this page frequently so you are aware of any changes, as they are binding on you.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Luxembourg, without regard to its conflict of law provisions. If you use the Services as a consumer, this does not deprive you of the mandatory protections granted to you by the law of the EU Member State in which you habitually reside.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.

12a. Consumer Dispute Resolution

The European Commission's online dispute resolution (ODR) platform, which used to be available at ec.europa.eu/consumers/odr, was discontinued on 20 July 2025 and can no longer be used to raise a complaint.

If you have a complaint, please contact us first at contact@tkmedia.lu — we would rather resolve it directly. We are not obliged, and are not willing, to participate in dispute-resolution proceedings before a consumer arbitration board. This does not affect your right to bring a claim before the competent courts, or any mandatory consumer-protection remedy available to you in your country of residence.

13. Contact Information

If you have any questions about these Terms, please contact us at:

Email: contact@tkmedia.lu