Terms of Service

1. What this is

These Terms of Service (“Terms”) are the agreement between you (the “user”) and taupi.eu (email info@taupi.eu, the “Provider”, “we”, “us”) when you use the Taupi mobile application and any related websites (together, the “Service”).

By creating an account or using the Service, you accept these Terms. If you do not accept them, do not use the Service.

2. What the Service does

Taupi helps you track income, expenses, goals, and investments on your phone. It offers optional features that use artificial intelligence to:

Extract line items from receipt photographs.
Summarise your spending and suggest patterns.

The Service is provided as an informational tool. It is not a bank, a payment service, a financial advisor, a tax advisor, or a regulated investment platform.

3. Eligibility and your account

You must be at least 16 years old (or the age of digital consent in your country, whichever is higher) to create an account.
You are responsible for the accuracy of the information you enter, for keeping your password secret, and for all activity under your account.
If you sign in with Google, Apple, or Facebook, those providers’ terms also apply to the sign-in process.
One person per account. Do not share login credentials.

If we reasonably believe your account has been compromised, we may temporarily lock it and contact you.

4. Acceptable use

You agree not to:

Use the Service for anything unlawful or to infringe someone else’s rights.
Attempt to reverse-engineer, decompile, or disassemble the app, except to the minimum extent allowed by law.
Probe, scan, or stress-test the Service, or bypass rate limits or authentication.
Upload malware, illegal content, or content that violates a third party’s rights (e.g. receipts that are not yours if they contain personally identifiable information of others).
Use the Service to build a competing product by scraping it.
Circumvent, disable, or interfere with any security feature of the Service.

We can suspend or terminate your account for a material breach of this section. Where practical, we will warn you first.

5. Your content stays yours

Everything you enter or upload — expenses, notes, receipt images, goals — is your content. You own it.

To operate the Service we need a limited, non-exclusive, worldwide, royalty-free licence to:

Store your content on our infrastructure (Supabase, EU).
Transmit it to processors that perform functions you asked for (e.g. send a receipt image to our AI processor to extract line items).
Display it back to you inside the app.

This licence lasts for as long as your account exists and ends when the content is deleted. Deleting your account terminates this licence (subject to the retention schedule in the Privacy Policy).

6. Price and availability

The Service is currently offered free of charge. We may introduce paid features in the future. If we do, we will:

Tell you clearly before charging you anything.
Honour any free tier that existed at the time you signed up, for a reasonable period.
Disclose pricing, billing cadence, and cancellation terms before you enter any payment information.

We do not run ads inside the app and we do not sell your data.

7. AI features — what to expect

When you use receipt scanning or AI insights, the relevant data is sent to an AI provider (currently Anthropic) to process. See the Privacy Policy for the detailed data flow.

Important things to know:

AI output can be wrong. Models can hallucinate amounts, misread receipts, or suggest patterns that are not real. Treat the output as a starting point, not a fact.
AI output is not advice. It is not financial, tax, legal, accounting, or investment advice. Do not make significant financial decisions based solely on it.
Do not upload sensitive data. Do not put ID numbers, medical information, or third-party personal data into free-text fields.
The AI provider may change. We will update the Privacy Policy and post an in-app notice if we change the primary provider.

8. Third-party services

The Service integrates with third-party providers for authentication, push notifications, and AI. Their terms and privacy policies apply when you use those features:

We are not responsible for third-party services beyond our reasonable choice of them as processors.

9. Intellectual property

The name Taupi, the logo, the app design, the source code, and the AI-insight prompt engineering are owned by the Provider and protected by intellectual-property law.

These Terms do not grant you any rights in our trademarks or copyrights beyond the limited, non-exclusive licence to use the app for personal, non-commercial purposes.

Open-source libraries used by the app are listed in Settings → Legal → Open-source Licences. They are provided under their own licences, which we honour.

10. Termination

By you

You can delete your account at any time in Settings → Profile → Delete Account, or by emailing us. Deletion is permanent and covers all your entries, profile, and attached data, subject to the retention schedule in the Privacy Policy.

By us

We can suspend or terminate your account if:

You materially breach these Terms.
We are legally required to stop providing the Service to you.
We discontinue the Service (we will give at least 30 days’ notice and provide a final data export).

After termination, the clauses on intellectual property, disclaimers, limitation of liability, and governing law survive.

11. Disclaimers

The Service is provided “as is” and “as available”. To the maximum extent allowed by law, we disclaim all implied warranties, including fitness for a particular purpose, merchantability, and non-infringement.

We do not warrant that:

The Service will be uninterrupted, bug-free, or always available.
AI output will be accurate, complete, or suitable for any particular decision.
Any financial outcome you experience is caused by, or prevented by, the Service.

Nothing in this section limits any non-excludable rights you have as a consumer under EU or national consumer-protection law.

12. Limitation of liability

To the maximum extent allowed by law:

We are not liable for indirect, incidental, consequential, or punitive damages, or for loss of profit, revenue, data, or goodwill.
Our total aggregate liability to you for any claim arising out of or relating to the Service is limited to the greater of (a) the amount you paid us in the 12 months before the claim, or (b) EUR 50.

Consumer rights carve-out: if you use the Service as a consumer, nothing in these Terms limits or excludes liability for death, personal injury, fraud, gross negligence, wilful misconduct, or any liability that cannot be limited under mandatory law (including the EU’s consumer rights directives).

13. Changes to these Terms

We can change these Terms. When we do, we will:

Bump the version and “Last updated” date at the top.
Show an in-app notice on next launch if the change is material.
For a material change, give you a reasonable chance to stop using the Service before the new Terms take effect. If you keep using the Service after that date, you accept the new Terms.

Superseded versions are kept in our public repository (Git history).

14. Governing law and disputes

These Terms are governed by the laws of the Republic of Latvia, without regard to conflict-of-law rules.
Disputes will be resolved by the competent courts of Latvia.
Nothing here deprives you of the protection of the mandatory consumer-law rules of your country of residence.
EU consumers can also use the European Commission’s Online Dispute Resolution platform.

15. Miscellaneous

Entire agreement. These Terms, together with the Privacy Policy, are the entire agreement between you and us about the Service.
Severability. If a court finds part of these Terms unenforceable, the rest stays in effect.
No waiver. If we do not enforce a right immediately, that does not mean we waive it.
Assignment. You may not transfer these Terms without our written consent. We may transfer them to a successor (e.g. in a merger) on notice to you.
Language. These Terms are written in English.

16. Contact

Email: info@taupi.eu

Thanks for using Taupi.