Terms of Service
Legally BindingEffective Date & Last Revision: November 6, 2026
These Terms of Service (“Terms”) constitute a legally binding agreement between you and Bizzra (“Company,” “we,” “us,” or “our”), governing your installation, use, and access to the XPense Manager mobile application and online web services (xmanager.bizzra.com).
Table of Contents
1 Eligibility & Account Creation
By downloading, installing, or registering with XPense Manager, you represent and warrant that you are at least 18 years of age (or the age of legal majority in your country of residence) and possess full contractual capacity. When creating an account, you must provide valid, truthful credentials and keep your email address updated. You are solely responsible for all actions occurring under your authenticated credentials.
2 Subscription Plans, Billing & Tier Downgrade Policy
XPense Manager provides both free baseline features and premium recurring subscription tiers (Gold Plan and Platinum Plan):
- In-App Billing Execution: All subscription purchases, tier upgrades, and automated renewals are processed exclusively via Google Play In-App Billing. We do not directly handle or store your payment card details.
- Automated Renewal: Subscriptions automatically renew at the beginning of each billing period (monthly or annually) unless canceled in your Google Play Store account settings at least 24 hours prior to the cycle cutoff.
- Feature Quotas: Subscription upgrades immediately unlock elevated quotas for created workspaces, joined workspaces, monthly transaction limits, concurrent device seats, and ad-free usage.
- Tier Downgrade Mechanics: Immediate tier downgrades are not possible while a higher-tier subscription is currently active. Users may apply for or switch to a lower tier or Free plan at any time; however, you will remain on your active higher plan with full benefits until the ongoing prepaid billing period ends completely. The new lower tier will automatically activate upon the expiration of the higher tier.
3 Multi-Device Seats & Fair Use
Each account is entitled to a specific number of concurrent active mobile devices according to your assigned subscription tier. Attempting to artificially bypass seat restrictions through hardware spoofing, reverse engineering, or modified application binaries violates these Terms and triggers automated session revocation.
4 Shared Collaborative Workspaces
When participating in shared multiplayer workspaces:
- Administrative Authority: Workspace creators hold administrative privileges to generate 9-digit alphanumeric invite codes (e.g., 9X7B2K14M), manage memberships, accept or kick participants, and govern shared budget milestones.
- Democratic Proposals: Proposal entries (such as budget modifications or goal additions) are subject to member voting rules programmed into the workspace engine.
- Manual Settlement Acknowledgment: All bill split calculations represent informational ledgers between independent individuals. XPense Manager is not a party to debt collection, informal loans, or private financial settlements between workspace participants.
5 User Conduct & Prohibitions
You agree never to participate in any of the following unauthorized behaviors:
6 Account Suspension & Termination
We maintain system oversight to safeguard platform integrity. Accounts found violating these Terms may be flagged for disciplinary action:
- Suspended Status: Temporarily locks synchronization and collaborative features while permitting read-only local access.
- Banned Status: Permanently invalidates JWT sessions and repudiates API authorization tokens.
7 Intellectual Property
All visual interfaces, vector iconography, proprietary delta sync algorithms, database schemas, brand identities, and logos belonging to XPense Manager are the exclusive intellectual property of Bizzra and its licensors. You are granted a limited, personal, non-transferable, revocable license to utilize the application solely for personal and collaborative financial logging.
8 Disclaimer of Warranties & Limitation of Liability
THE APPLICATION IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, BIZZRA SHALL NOT BE HELD LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA CORRUPTION, INCORRECT USER-LOGGED TOTALS, OR SERVER DOWNTIME.
9 Governing Law & Dispute Resolution
These Terms shall be interpreted and governed by the laws of India, without regard to conflict of law provisions. Any dispute, claim, or controversy arising out of or relating to these Terms shall be resolved via binding arbitration or the competent courts having jurisdiction.