Terms of Service

The short version

Acceptance

By downloading, installing or using a Figo app, or by using figoapp.net, you agree to these Terms and to the Privacy Policy, which forms part of them. This is a binding agreement between you and Varun Anand, an individual developer trading as Figo.

If you do not agree, stop using the service and delete the app.

What the service is

Figo publishes personal software. Recurrs helps you track subscriptions, free trials, expenses, income, loans and the things you own. Neuron is in development.

Eligibility

You must be at least 13 years old, or 16 in the EEA, and legally able to enter a contract where you live. If you use the service on behalf of an organisation, you confirm you are authorised to bind it.

Accounts

• Give accurate information when you register, and keep it current.
• You are responsible for activity under your account and for keeping your credentials secure.
• Tell us promptly if you suspect unauthorised access.
• One account per person. Do not share credentials or resell access.
• You may delete your account at any time from Settings. Deletion is permanent.

Tiers and limits

Recurrs has a free tier (Water) and a paid tier (Citrus). The exact caps are published on the pricing page and form part of these Terms.

• The free tier is permanent, not a trial.
• AI features carry monthly and daily quotas, enforced server-side, to keep costs sane and prevent abuse.
• We may adjust limits with notice. Changes that reduce what a paying subscriber already has will not apply mid-term.
• Cancelling Citrus does not delete data. Receipts captured while subscribed are retained.

Payments and renewals

• Purchases are processed by Apple on the App Store and Google on Play. They are the merchant of record; we never handle your card.
• Subscriptions renew automatically until cancelled through your store account.
• Cancelling stops the next charge. The period you already paid for runs to its end.
• The annual-paid-monthly plan is a twelve-month commitment billed monthly, and is unavailable in the US and Singapore.
• Refunds are issued by the store under its policy, not by us. We will support a legitimate claim if the fault was ours.
• Prices vary by storefront and may change; existing subscribers are notified by the store before any increase takes effect.

Optional features

Gmail scanning

Opt-in, and revocable at any time. It reads sender addresses and subject lines only. Detection is best-effort: it will miss things and occasionally misread them. Verify what it suggests before you rely on it.

AI features

AI autofill and analysis are generated by a language model from the figures you have entered. Output can be incomplete or wrong. It is informational only and is not financial, tax, legal or investment advice. Decisions you make from it are yours.

Sharing and splits

When you share an item or split a cost, the people you share with can see what you shared. Share deliberately. We are not responsible for what another person does with information you chose to give them.

Acceptable use

You agree not to:

• break any applicable law, or use the service to facilitate fraud or money laundering;
• reverse engineer, decompile or attempt to extract source from the apps, except where law expressly permits;
• probe, scan or interfere with our infrastructure, or bypass rate limits, quotas or row-level security;
• automate access at a scale that degrades service for others;
• upload malware, or content you have no right to upload;
• impersonate anyone, or misuse another person’s data through the sharing features;
• resell, sublicense or white-label the service.

We may suspend or terminate accounts that do these things, with notice where practical.

Your content

Your data stays yours. You grant us only the narrow licence needed to run the service — storing, syncing, backing up and displaying your content back to you, and to anyone you deliberately share it with. That licence ends when you delete the content or the account.

We do not use your content to train AI models, and we do not sell it.

Intellectual property

The apps, this website, and the Figo and Recurrs names, logos and designs belong to us. You get a personal, non-exclusive, non-transferable, revocable licence to use the software as intended. Nothing here transfers ownership.

Third-party brand names and logos shown inside the apps belong to their owners and appear only to identify the service you are tracking.

Third-party services

The service depends on third parties — Apple, Google, our infrastructure provider, and public data APIs. Their terms apply to their part, and an outage or change on their side can affect the apps. We are not liable for third-party failures outside our control.

Disclaimer

The service is provided “as is” and “as available”, without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose and non-infringement, to the fullest extent the law allows.

We do not warrant that the service will be uninterrupted, error-free or perfectly accurate, or that reminders will always arrive on time. Do not rely on a renewal notification as your only defence against a charge.

Limitation of liability

To the fullest extent permitted by law, Figo is not liable for indirect, incidental, special, consequential or punitive damages, nor for lost profits, lost data or missed savings, arising from your use of the service.

Our total aggregate liability for any claim is limited to the greater of the amount you paid us in the twelve months before the claim, or ₹1,000. Some jurisdictions do not allow these limits; where that is the case, they apply only as far as the law permits.

Indemnification

You agree to indemnify Figo against claims, damages and reasonable costs arising from your misuse of the service, your breach of these Terms, or your violation of someone else’s rights.

Termination

You may stop at any time by deleting your account. We may suspend or terminate access for breach of these Terms, for conduct that risks harm to other users or the service, or if we discontinue an app — in which case we will give notice and time to export your data.

Sections on content ownership, intellectual property, disclaimers, liability and governing law survive termination.

Governing law and disputes

These Terms are governed by the laws of India, without regard to conflict-of-law rules. Courts in India have exclusive jurisdiction, except where mandatory consumer law in your country of residence gives you the right to sue locally.

Before filing anything, contact us. Nearly everything gets resolved that way, and faster.

Changes

We may revise these Terms. Material changes get in-app notice and a new effective date above. Continuing to use the service after a revision means you accept it. If a provision is found unenforceable, the rest stays in force.

Contact

Questions about these Terms: figo.productive@gmail.com or the contact form. See also the Privacy Policy and the pricing page, both of which form part of this agreement.